JP2024004827A - Information processing apparatus and information processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce a period in which an amount payable for settlement is low.

SOLUTION: An information processing apparatus 1 includes: a settlement request receiving unit 132 which receives a settlement request including an amount to be settled corresponding to a settlement of a user using second settlement means for which a part of a second period overlaps a first period, the first period being an aggregation period corresponding to first settlement means and the second period being an aggregation period for aggregating the amount to be settled corresponding to a settlement; and a settlement processing unit 133 which identifies the amount payable, which is a remaining amount payable through the first settlement means in the first period, and performs, on receipt of the settlement request in a period in which the first period overlaps the second period, a settlement corresponding to at least a part of the amount to be settled included in the settlement request through the first settlement means, on a condition that at least a part of the amount to be settled included in the settlement request can be settled through the first settlement means on the basis of the amount payable.

SELECTED DRAWING: Figure 2

COPYRIGHT: (C)2024,JPO&INPIT

Description

The present invention relates to an information processing device and an information processing method that perform payment using a predetermined payment means.

In a deferred payment method such as a credit card, a payment limit is set that indicates the amount that a user can pay within a predetermined period using the payment method. For example, Patent Document 1 discloses that the payment limit of a first payment method and the payment limit of a second payment method are the sum of their respective payment limits.

Patent No. 6355505

In conventional technology, when a payment request corresponding to a first payment method is received, payment is made as the payment amount corresponding to the first payment method, and a payment request corresponding to a second payment method is accepted. In this case, the payment was made using the payment amount corresponding to the first payment method.

Therefore, if the aggregation target period for aggregating the payment amount corresponding to the first payment method and the aggregation target period for aggregating the payment amount corresponding to the second payment method overlap at least in part, the aggregation target period If a relatively large amount of the payment amount is allocated to a payment method whose period end date is later, the payment of the payment amount will be delayed, and as a result, the user will not be able to make a payment using the first payment method and the second payment method. A problem arises in that the period during which the remaining amount that can be settled, that is, the amount that can be settled, is small becomes longer.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to shorten the period during which the amount that can be settled is small.

The information processing device according to the first aspect of the present invention includes a first payment period, which is an aggregation target period, in which payment amounts corresponding to payments using a first payment method are totaled in association with user identification information for identifying a user. a first payment limit indicating the upper limit of the amount that the user can pay using the first payment means in a period 1, and a calculation target period in which the payment amount corresponding to the second payment method is totaled; The user uses a second payment method in a second period in which a part of the period overlaps with the first period, and the end time of the aggregation target period is later than the end time of the first period. a storage unit that stores a second payment limit indicating an upper limit of the amount that can be paid using the second payment means; and a payment request receiving unit that receives a payment request that includes a payment amount corresponding to the user's payment using the second payment method. and a payable amount that is the remaining amount payable using the first payment means in the first period, and in a period in which the first period and the second period overlap. When the payment request receiving unit receives the payment request, it determines that at least a part of the payment amount included in the payment request can be settled using the first payment means, based on the payable amount. As a condition, the payment processing section includes a payment processing unit that uses the first payment means to make a payment corresponding to at least a part of the payment amount included in the payment request.

The information processing device further includes a reception unit that receives a designation from the user to give priority to the first payment method over the second payment method, and the payment processing unit accepts the designation, using the first payment means, provided that at least a part of the payment amount included in the payment request can be paid using the first payment means. A payment corresponding to at least a part of the payment amount included in the payment request may be made.

The payment processing unit performs a payment corresponding to the payment amount included in the payment request using the first payment means, on the condition that the payment amount included in the payment request is less than or equal to the payable amount. You may go.

When the payment amount included in the payment request is larger than the payable amount, the payment processing unit sends the first payment means an amount equal to the payable amount of the payment amount included in the payment request. The difference between the payable amount and the payable amount may be paid using the second payment means.

The payment processing unit may process the payment processing unit on the condition that a first payment provider that provides the first payment method and a second payment provider that provides the second payment method are the same. The payment method may be used to make a payment corresponding to at least a part of the payment amount included in the payment request.

The information processing device uses the first payment means in response to the payment processing unit paying at least a part of the payment amount included in the payment request using the first payment means. The mobile phone may further include a billing unit that charges the user a first fee that is a fee paid by the user.

The billing unit calculates the first fee based on the amount paid by the first payment means out of the payment amount included in the payment request, and charges the user the calculated first fee. You can.

The information processing device determines whether the store corresponding to the payment is a first payment method that provides the first payment method, based on the payment amount included in the payment request that is paid by the first payment method. It may further include a billing unit that calculates a second fee, which is a fee to be paid to a payment provider, and bills the store for the calculated second fee.

The information processing device may be configured to determine whether a first payment provider that provides the first payment method is responsible for the second payment method based on the amount of payment that has been paid by the first payment method among the payment amount included in the payment request. The payment method may further include a billing unit that calculates a third fee that is a fee to be paid to a second payment provider that provides a payment method, and charges the first payment provider for the calculated third fee. .

The payment request includes store identification information for identifying the store where the payment is made and user identification information for identifying the user, and the payment processing unit is configured to include the store identification information included in the payment request. It is determined whether the store indicated by the information is a store where payment can be made using each of the first payment means and the second payment means corresponding to the user identification information, If it is determined that the store allows payment using each of the payment means and the second payment method, the first payment method is used to make a payment corresponding to at least a part of the payment amount included in the payment request. You may do so.

The information processing method according to the second aspect of the present invention is performed by a computer, and a part of the second period, which is the aggregation target period for aggregating the payment amount corresponding to the payment, corresponds to the first payment method. a step of receiving a payment request including a payment amount corresponding to a payment by a user using a second payment means that overlaps with a first period that is an aggregation target period; When the payment request is received in a period in which the first period and the second period overlap, the payment amount is determined based on the payment amount. At least a portion of the payment amount included in the payment request can be settled using the first payment means, provided that at least a part of the payment amount included in the payment request can be settled using the first payment means. and a step of making a payment corresponding to the part.

According to the present invention, it is possible to shorten the period during which the payable amount is small.

FIG. 1 is a diagram showing an overview of an information processing device. 1 is a diagram showing a functional configuration of an information processing device. It is a figure showing an example of limit amount information. It is a figure which shows an example of payment performance information. 2 is a flowchart showing the flow of processing when receiving a payment request in the information processing device.

[Overview of information processing device 1]
FIG. 1 is a diagram showing an overview of an information processing device 1. As shown in FIG. The information processing device 1 is a computer that performs payment in response to receiving a payment request from a user terminal 2 owned by the user or a store terminal 3 used by the store when the user purchases a product or service at a store. be. The information processing device 1 can communicate with a user terminal 2 such as a smartphone or a tablet, and a store terminal 3 such as a POS (Point Of Sales) terminal via a communication network such as the Internet or a wireless LAN (Local Area Network). It is connected.

As shown in FIG. 1, the information processing device 1 allows the user to make a first payment using a first payment method in association with a user ID (Identification) as user identification information for identifying the user of the user terminal 2. A first payment limit indicating the upper limit of the amount that can be settled in the period and a second settlement limit indicating the upper limit of the amount that the user can settle in the second period using the second payment means are stored.

The first payment means and the second payment means are payment methods using a deferred payment method, for example, payment methods using a predetermined credit card. The first period and the second period are the aggregation target periods in which the payment amount to be billed by the deferred payment payment method is aggregated. For example, the first period and the second period are the periods from the closing date of a certain month until one month has passed. be. It is assumed that the first period and the second period partially overlap, and the end time of the second period is later than the end time of the first period.

The information processing device 1 identifies the user ID of the user and the store where the user purchases the product or service from the user terminal 2 or the store terminal 3 during the period when the first period and the second period overlap. A payment request including the store ID of , and the payment amount corresponding to the user's payment using the second payment method is received ((1) in FIG. 1).

Upon receiving the payment request corresponding to the second payment method, the information processing device 1 specifies the payable amount, which is the remaining amount that can be paid using the first payment method in the first period (Fig. 1 (2)). Based on the payable amount, the information processing device 1 uses the first payment method on the condition that at least a part of the payment amount included in the payment request can be paid using the first payment method. Then, a payment corresponding to at least a part of the payment amount included in the payment request is made ((3) in FIG. 1).

By doing so, the information processing device 1 selects the payment method whose end date of the aggregation target period is earlier among the two payment methods in which at least a portion of the first period and the second period overlap. It is possible to allocate at least a portion of the payment amount, thereby shortening the period during which the amount available for payment is small.

[Functional configuration of information processing device 1]
Next, details of the configuration of the information processing device 1 will be explained. FIG. 2 is a diagram showing the functional configuration of the information processing device 1. As shown in FIG. The information processing device 1 includes a communication section 11, a storage section 12, and a control section 13.
The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2 via a network such as the Internet.

The storage unit 12 is a storage medium that stores various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores programs executed by the control unit 13. The storage unit 12 stores a program that causes the control unit 13 to function as a reception unit 131 , a payment request reception unit 132 , a payment processing unit 133 , and a billing unit 134 .

Furthermore, the storage unit 12 stores a payment limit indicating the upper limit of the amount that the user can pay in a predetermined period using a payment method corresponding to each of the plurality of payment methods, in association with the user ID for identifying the user. do. For example, the storage unit 12 stores, in association with the user ID, a first payment limit that indicates the upper limit of the amount that can be paid by the user using the first payment method in the first period, and a first period and a part. a second payment limit indicating the upper limit of the amount that the user can pay using the second payment method in a second period in which the periods overlap and the end time of the period is later than the end time of the first period; Memorize the amount.

Specifically, the storage unit 12 stores limit amount information that associates at least a user ID, a payment method ID for identifying a payment method, and a payment limit amount. FIG. 3 is a diagram showing an example of limit amount information. As shown in FIG. 3, in the limit amount information, it can be confirmed that the user ID, payment method ID, payment limit amount, and aggregation target period in which the payment amount is totaled are associated. Note that the payment method ID may be embedded in the user ID, and the payment method ID may be extractable from the user ID.

For example, the aggregation period for the payment method with payment method ID "A" is from the 15th of the current month to the 14th of the next month, and the aggregation period for the payment method with payment method ID "B" is from the 21st of the current month to the 20th of the next month. be. If the current date is between the 21st and the end of the month, or from the beginning of the month to the 14th, the end date of the aggregation period for the payment method with payment method ID "A" is the 14th, and the payment method with payment method ID "B" The end date of the aggregation period for the payment method with payment method ID "B" is later than the end date of the aggregation period for the payment method with payment method ID "A". Become. Therefore, if the current date is between the 21st and the end of the month, or from the beginning of the month to the 14th, the payment method with payment method ID "A" is the first payment method, and the payment method with payment method ID "B" is the first payment method. This is the second payment method.

On the other hand, if the current date is between the 15th and the 20th, the end date of the aggregation target period for the payment method with payment method ID "A" is the 14th, and the aggregation target period for the payment method with payment method ID "B" The end date of the period is the 20th, and the end date of the aggregation target period of the payment method with the payment method ID "A" is later than the end date of the aggregation target period of the payment method with the payment method ID "B". Therefore, if the current date is between the 15th and the 20th, the payment method with payment method ID "A" is the second payment method, and the payment method with payment method ID "B" is the first payment method. becomes.

The storage unit 12 also stores payment performance information that associates the user ID of the user, the payment method ID, and the payment amount of the user. FIG. 4 is a diagram illustrating an example of payment performance information. As shown in FIG. 4, the payment performance information is information that associates at least a user ID, a payment method ID, a payment date, which is the date on which the payment was made, and a payment amount. The payment record information is used to calculate the usage record, which is the total amount of payments made by the user during the aggregation target period.

The control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 functions as a reception unit 131 , a payment request reception unit 132 , a payment processing unit 133 , and a billing unit 134 by executing a payment program stored in the storage unit 12 . Next, details of the control section 13 will be explained.

[Designation of preferred payment method for payment]
First, processing related to designation of a payment method to be given priority in payment will be explained.
When receiving a payment request corresponding to the second payment method, the reception unit 131 receives a designation from the user to give priority to the first payment method over the second payment method.

For example, the reception unit 131 receives designation information from the user terminal 2 of the user, including the user ID of the user, and indicating that the first payment method is to be given priority over the second payment method at the time of payment. Receive. Upon receiving the specified information, the reception unit 131 refers to the limit amount information stored in the storage unit 12 and selects at least one of the aggregation target periods for which the payment amount is to be aggregated for the user ID included in the specified information. It is determined whether the payment method IDs of a plurality of payment methods having duplicate parts are associated with each other.

If the receiving unit 131 determines that the user ID included in the specified information is associated with payment method IDs of multiple payment methods in which at least a portion of the aggregation target period overlaps, the reception unit 131 selects a second payment method at the time of payment. Accepts a designation to give priority to the first payment method over the payment method.

The storage unit 12 stores a user ID in association with a designation flag indicating whether or not the designation is accepted. For example, when the value of the designation flag is 0, it indicates that the designation is not accepted, and when the value of the designation flag is 1, it is shown that the designation is accepted. For example, the initial value of the designation flag may be set to 0. The reception unit 131 updates the value of the designation flag associated with the user ID included in the designation information to 1 when receiving a payment request corresponding to the second payment means including the user ID.

Note that the user ID included in the specified information may be associated with the payment method IDs of three or more payment methods in which at least a portion of the aggregation target period for which the payment amount is totaled overlaps. In this case, the receiving unit 131 receives the selection of two payment methods to be linked among three or more payment methods, and stores the designation flag and the payment method ID of the selected payment method in association with each other in the storage unit 12. You may also do so.

[Processing when payment request is received]
Next, the processing when a payment request is received will be explained.
The payment request receiving unit 132 receives a payment request for payment using a plurality of payment methods, including a first payment method and a second payment method, from a user who uses the payment method. The payment request receiving unit 132 receives a payment request including a payment amount corresponding to the user's payment using the second payment method.

For example, when the payment method is a credit card, the payment request receiving unit 132 receives the user ID, the store ID for identifying the store where the user makes the payment, and the payment amount from the store terminal 3 installed at the store. , and a payment method ID.

Note that the payment request receiving unit 132 may receive a payment request for payment using a plurality of payment methods including a first payment method and a second payment method using a payment method using a code. Payment methods using codes include a CPM (Consumer Presented Mode) payment method and an MPM (Merchant Presented Mode) payment method. In the CPM method, a payment code such as a two-dimensional barcode is displayed on a user terminal, and when the payment code is read at the store, a payment request is sent from the store to the information processing device 1. This is a method in which payments are made by In the MPM method, a payment code is presented at a store, and in response to the payment code being read by the user terminal, a payment request is sent from the user terminal to the information processing device 1, thereby making the payment. It is a method.

When the payment request receiving unit 132 receives the payment request, the payment processing unit 133 performs payment based on the user ID, store ID, payment amount, and payment method ID included in the payment request. For example, the payment processing unit 133 performs a first process of depositing the payment amount included in the payment request into the account of the store specified by the store ID included in the payment request, as processing related to the payment corresponding to the payment request. and a second process of associating the user ID, payment amount, payment method ID, and date and time of receipt of the payment request included in the payment request and storing them in the storage unit 12 as payment performance information. .

The payment processing unit 133 generates a first payment amount, which is the remaining amount that can be paid using the first payment method in the first period, based on the first payment limit and the payment record of the first payment method. Determine the amount that can be settled. The payment processing unit 133 determines whether the first period and the second period overlap when the reception unit 131 receives from the user a designation to perform payment by giving priority to the first payment method over the second payment method. When the payment request receiving unit 132 receives a payment request during the period, at least a part of the payment amount included in the payment request can be settled using the first payment method based on the specified first payable amount. Under certain conditions, the first payment means is used to make a payment corresponding to at least a part of the payment amount included in the payment request.

Specifically, first, if the designation flag associated with the user ID included in the received payment request is "1", the payment processing unit 133 gives priority to the first payment method over the second payment method. It is determined that the reception unit 131 has accepted the designation to make the payment. The payment processing unit 133 refers to the limit amount information stored in the storage unit 12 and calculates the aggregation target period associated with the plurality of payment method IDs associated with the user ID included in the received payment request. Identify. The payment processing unit 133 determines that the payment method indicated by the payment method ID included in the payment request is the second payment method, based on the relationship between the aggregation target period associated with the plurality of payment method IDs and the current date and time. Determine if there is.

For example, in the example shown in FIG. 3, if the user ID included in the received payment request is "U0001" and the payment method ID included in the received payment request is "B", the payment processing unit 133 With reference to the amount information, the payment means IDs "A" and "B" associated with the user ID "U0001" are specified. The end date of the aggregation target period for the payment method ID "A" is the 14th, and the end date of the aggregation target period for the payment method ID "B" is the 20th. For example, if the current date is the 1st, the end date of the aggregation target period for payment method ID "B" is later than the end date of the aggregation target period for payment method ID "A". The payment method with ID "B" is the second payment method.

Therefore, the payment processing unit 133 determines that the payment method corresponding to the payment method ID "B" included in the received payment request is the second payment method. Note that the payment request may include a payment date and time indicating the date and time when the payment request was sent, that is, the date and time when the payment is to be made. In this case, the payment processing unit 133 may determine whether the payment method indicated by the payment method ID included in the payment request is the second payment method based on the payment date and time included in the payment request.

When the payment processing unit 133 determines that the payment method corresponding to the received payment request is the second payment method, the payment processing unit 133 uses the first payment method whose payment method ID is "A" in the first period. A first payable amount, which is the remaining payable amount, is specified. For example, the payment processing unit 133 refers to the payment performance information stored in the storage unit 12, and the payment processing unit 133 refers to the payment history information stored in the storage unit 12, and the payment processing unit 133 refers to the payment record information stored in the storage unit 12, and the By totaling the payment amount corresponding to the first period, the first usage record, which is the total payment amount of the first payment method, is specified. The payment processing unit 133 specifies the first payable amount by subtracting the first usage record from the payment limit of the first payment method.

Similarly, the payment processing unit 133 specifies the second payable amount, which is the remaining amount payable using the second payment method whose payment method ID is "B", in the second period. If the payment processing unit 133 determines that the total amount of the specified first payable amount and second payable amount is greater than or equal to the payment amount included in the payment request, the payment processing unit 133 determines that payment is possible. On the other hand, if the payment processing unit 133 determines that the total amount of the specified first payable amount and second payable amount is less than the payment amount included in the payment request, it performs the payment corresponding to the payment request. Sends error information indicating that payment cannot be made to the sender of the payment request.

Subsequently, the payment processing unit 133 provides that at least a portion of the payment amount included in the payment request can be settled using the first payment method based on the specified first payable amount. A payment corresponding to at least a portion of the payment amount included in the payment request is made using the first payment means.

Here, the payment processing unit 133 uses the first payment method to make a payment corresponding to the payment amount included in the payment request, on the condition that the payment amount included in the payment request is less than or equal to the first payment amount. Alternatively, the payment corresponding to the payment amount may not be made using the second payment means. In this case, as a second process, the payment processing unit 133 associates the user ID included in the payment request, the payment amount, the payment method ID of the first payment method, and the date and time when the payment request was received. It is stored in the storage unit 12 as payment performance information.

Further, if the payment amount included in the payment request is larger than the first payable amount, the payment processing unit 133 uses the first payment method to transfer the payable amount of the payment amount included in the payment request to the first payment method. Then, the difference between the first payable amount and the payment amount is paid using the second payment means. In this case, as a second process, the payment processing unit 133 sends the user ID included in the payment request, the amount of the first payable amount, the payment method ID of the first payment method, and the payment request. It is stored in the storage unit 12 as payment performance information in association with the date and time of reception. In addition, as a second process, the payment processing unit 133 calculates the user ID, the difference between the first payable amount and the payment amount, the payment method ID of the second payment method included in the payment request, and the payment request. is stored in the storage unit 12 as payment performance information in association with the date and time of receipt. By doing so, the information processing device 1 can suppress a decrease in the payable amount of the second payment method whose aggregation target period ends later than that of the first payment method.

The payment processing unit 133 also processes the first payment provider on the condition that the first payment provider that provides the first payment method and the second payment provider that provides the second payment method are the same. The payment method may be used to make a payment corresponding to at least a part of the payment amount included in the payment request. For example, a payment method ID of a payment method and a company ID for identifying a payment company that provides the payment method are stored in the storage unit 12 in association with each other. The payment processing unit 133 stores the business ID associated with the payment method ID of the identified first payment method and the payment method ID (payment method ID of the second payment method) included in the payment request. A payment corresponding to at least a part of the payment amount included in the payment request is made using the first payment means, on the condition that the business ID is the same as that of the business operator ID.

If the payment provider for the first payment method and the payment provider for the second payment method are different, the income of the provider will change due to the change in the payment method used for payment, so the fees between the payment providers will be etc. adjustments will be required. On the other hand, the information processing device 1 provides that the first payment provider that provides the first payment method and the second payment provider that provides the second payment method are the same. Since the payment is made using the first payment method, there is no need to adjust fees, etc. between payment providers.

The payment processing unit 133 also determines that the store indicated by the store ID included in the received payment request is a first payment means and a second payment means corresponding to the user indicated by the user ID included in the received payment request. If it is determined that the store is a store that allows payment using each of the first payment method and the second payment method, the first payment method may be used to make a payment corresponding to at least a part of the payment amount included in the payment request.

For example, the payment processing unit 133 may cause the store indicated by the store ID included in the received payment request to become affiliated with the first payment means and second payment means corresponding to the user indicated by the user ID included in the received payment request. Determine whether it is a store. Here, the affiliated store is a store that can make payments using payment methods. For example, member store subscription information in which a payment method ID corresponding to a payment method is associated with a store ID that is a member store of the payment method is stored in the storage unit 12. The payment processing unit 133 refers to the member store subscription information and associates the store ID included in the received payment request with each of the two payment method IDs associated with the user ID included in the received payment request. In this case, it is determined that the store indicated by the store ID included in the received payment request is a member store of the first payment method and the second payment method corresponding to the user indicated by the user ID included in the received payment request. Then, the first payment means is used to make a payment corresponding to at least a part of the payment amount included in the payment request.

The billing unit 134 charges the user a fee, which is a fee for using the payment method used for the payment, in response to the payment processing unit 133 paying the payment amount included in the payment request. For example, in response to the payment processing unit 133 paying at least a portion of the payment amount included in the payment request using the first payment method, the billing unit 134 makes the payment using the first payment method. The user is charged a first fee, which is the fee paid. The billing unit 134 calculates a first fee based on the amount paid by the first payment means among the payment amounts included in the payment request. For example, the billing unit 134 calculates, as the first fee, a first percentage of the amount paid by the first payment means among the payment amount included in the payment request. The billing unit 134 then bills the user for the calculated first fee.

The storage unit 12 stores the user ID of the user, financial institution information indicating the financial institution from which the billed amount is to be debited, and the user's account number at the financial institution in association with each other. The billing unit 134 sends a transfer request request to the financial institution indicated by the financial institution information to transfer the billed amount based on the financial institution information and account number associated with the user ID. Charge users a fee. Note that the billing unit 134 may total the first fees calculated in the first period or the second period. Then, the first fee collected during the first period or the second period may be billed to the user all at once. In addition, in response to the payment processing unit 133 having determined that at least a portion of the payment amount included in the payment request has been paid using the second payment method, the billing unit 134 makes the payment using the second payment method. The fee may be charged to the user.

In addition, the billing unit 134 determines whether the store corresponding to the payment has received the first payment method based on the amount paid by the first payment method among the payment amount included in the payment request corresponding to the second payment method. A second fee, which is a fee to be paid to the first payment service provider, may be calculated, and the calculated second fee may be charged to the store. For example, the billing unit 134 calculates, as the second fee, a second percentage of the amount paid by the first payment method among the payment amount included in the payment request corresponding to the second payment method. The billing unit 134 bills the store indicated by the store ID included in the payment request for the second fee. In this case, the billing unit 134 may remit the second fee collected from the store to the first payment provider.

Although the billing unit 134 bills the second fee to the store indicated by the store ID corresponding to the payment request, the present invention is not limited thereto. For example, the payment processing unit 133 subtracts the second fee from the payment amount included in the payment request and deposits it into the store's account, and also transfers the second fee to the first payment method that provides the first payment method. The payment may be made to be deposited into the account of the payment provider. By doing so, the information processing device 1 can secure the second fee without having to charge the store for the second fee, thereby preventing the second fee from becoming uncollectible.

In addition, the billing unit 134 determines whether the first payment provider that provides the first payment method is the second payment method based on the amount of payment that has been paid by the first payment method out of the payment amount included in the payment request. A third fee may be calculated, which is a fee to be paid to the second payment provider that provides the payment service. For example, the billing unit 134 calculates, as the third fee, a third percentage of the amount paid by the first payment method among the payment amount included in the payment request corresponding to the second payment method. The billing unit 134 bills the first payment provider for the third fee. In this case, the billing unit 134 may remit the third fee collected from the first payment provider to the second payment provider, or may send the third fee collected from the first payment provider to the second payment provider. You may also instruct remittances to a person. The second payment provider that provides the second payment method suffers a disadvantage due to a decrease in the payment amount settled by the second payment method, but the first payment provider At least part of the disadvantage can be eliminated by paying the third fee to the business operator.

[Request for payment using payment method]
Next, processing related to payment requests using a plurality of payment methods including the first payment method and the second payment method will be described.

The billing unit 134 calculates, based on the payment history information stored in the storage unit 12, the billing amount for the user who used the payment method indicated by the payment method ID, which is the sum of the payment amounts of payments made using the payment method. and bill the calculated billing amount. When the end date of the aggregation target period corresponding to the payment method has passed, the billing unit 134 refers to the payment performance information stored in the storage unit 12 and totals the user's payment amount for the aggregation target period of the payment method. By doing so, the billing amount corresponding to the payment method is calculated.

For example, since the aggregation target period for payment method ID "B" is from the 21st of the current month to the 20th of the following month as shown in FIG. The billing amount corresponding to the second payment method is calculated by referring to the payment history information in the calculation target period and summing the payment amount corresponding to the user's payment method ID "B" in the relevant aggregation period, and the calculated billing amount charge.

For example, the billing unit 134 refers to the storage unit 12, and based on the financial institution information and account number associated with the user ID, sends a transfer request request to the bank indicated by the financial institution information to request a transfer of the billed amount. Bill the billed amount to the user by sending it to the institution.

[Operation flow]
Next, the flow of processing of the information processing device 1 will be explained. FIG. 5 is a flowchart showing the flow of processing when the information processing device 1 receives a payment request. Here, the flow of processing when a payment request corresponding to the second payment method is received will be explained. Note that in the limit amount information stored in the storage unit 12, the payment method ID of the first payment method and the payment method ID of the second payment method are associated with the user ID included in the payment request. It is assumed that

First, the payment request receiving unit 132 receives a payment request corresponding to the second payment means (S1). The payment request includes a user ID, a store ID, a payment method ID corresponding to the second payment method, and a payment amount.

Subsequently, the payment processing unit 133 refers to the limit amount information and payment record information stored in the storage unit 12, and selects the first payment associated with the user ID included in the received payment request. A first payable amount of the means and a second payable amount of the second payment means are specified (S2).

Subsequently, the payment processing unit 133 determines whether the payment amount included in the payment request is less than or equal to the total amount of the first payable amount and the second payable amount (S3). If the payment processing unit 133 determines that the payment amount included in the payment request exceeds the total payable amount (NO in S3), the payment processing unit 133 moves the process to S4 and determines that the payment corresponding to the payment request cannot be made. Error information indicating this is sent to the payment request sender (S4).

When the payment processing unit 133 determines that the payment amount included in the payment request is less than or equal to the total amount of the payable amount (YES in S3), the payment processing unit 133 moves the process to S5, and the payment processing unit 133 moves the process to S5 so that the payment amount included in the payment request is less than or equal to the total payment amount (YES in S3). It is determined whether the amount is less than or equal to the payable amount (S5). When the payment processing unit 133 determines that the payment amount included in the payment request is less than or equal to the first payable amount (YES in S5), the payment processing unit 133 moves the process to S6 and performs payment using the first payment method. (S6).

When the payment processing unit 133 determines that the payment amount included in the payment request exceeds the first payment amount (NO in S5), the payment processing unit 133 moves the process to S7 and selects the first payment method and the second payment method. Payment is made using the payment method (S7).

[Effects of information processing device 1]
As described above, the information processing device 1 according to the present embodiment is configured such that a part of the second period, which is the aggregation target period for aggregating the payment amount corresponding to the payment, is the aggregation period corresponding to the first payment method. A payment request including a payment amount corresponding to a payment by a user using a second payment method that overlaps with a first period that is a target period is received. The information processing device 1 specifies the payable amount, which is the remaining amount payable using the first payment means in the first period, and specifies the payable amount, which is the remaining amount payable using the first payment method, and the Upon receiving the payment request, at least a part of the payment amount included in the payment request based on the payable amount may be paid using the first payment method, provided that payment is possible using the first payment method. Make a payment corresponding to at least a portion of the payment amount included in the payment request. By doing so, the information processing device 1 can shorten the period during which the payable amount is small.

Furthermore, the present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Create a foundation for industry and technological innovation."

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes can be made within the scope of the gist. be. For example, all or part of the device can be functionally or physically distributed and integrated into arbitrary units. In addition, new embodiments created by arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effects of the new embodiment resulting from the combination have the effects of the original embodiment.

1 Information processing device 2 User terminal 3 Store terminal 11 Communication section 12 Storage section 13 Control section 131 Reception section 132 Payment request reception section 133 Payment processing section 134 Billing section

Claims (11)

The user uses the first payment method in a first period, which is an aggregation target period, in which payment amounts corresponding to payments using the first payment method are totaled in association with user identification information for identifying the user. A first payment limit indicating the upper limit of the amount that can be paid using a second payment method, and a calculation target period for calculating the payment amount corresponding to a second payment method, and a part of the period overlaps with the first period, a second payment limit indicating the upper limit of the amount that the user can pay using a second payment method in a second period in which the end time of the aggregation target period is later than the end time of the first period; a storage unit that stores
a payment request receiving unit that receives a payment request including a payment amount corresponding to the user's payment using the second payment means;
Specify the payable amount that is the remaining amount that can be paid using the first payment means in the first period, and make the payment request in a period in which the first period and the second period overlap. When the receiving unit receives the payment request, based on the payable amount, at least a part of the payment amount included in the payment request can be paid using the first payment means, a payment processing unit that uses the first payment means to perform payment corresponding to at least a portion of the payment amount included in the payment request;
An information processing device having: further comprising a reception unit that receives a designation from the user to give priority to the first payment method over the second payment method,
The payment processing section provides that when the reception section accepts the designation, at least a portion of the payment amount included in the payment request can be paid using the first payment means, performing a payment corresponding to at least a portion of the payment amount included in the payment request using the first payment means;
The information processing device according to claim 1. The payment processing unit performs a payment corresponding to the payment amount included in the payment request using the first payment means, on the condition that the payment amount included in the payment request is less than or equal to the payable amount. conduct,
The information processing device according to claim 1 or 2. When the payment amount included in the payment request is larger than the payable amount, the payment processing unit sends the first payment means an amount equal to the payable amount of the payment amount included in the payment request. the difference between the payable amount and the payment amount using the second payment method;
The information processing device according to claim 1 or 2. The payment processing unit may process the payment processing unit on the condition that a first payment provider that provides the first payment method and a second payment provider that provides the second payment method are the same. making a payment corresponding to at least a part of the payment amount included in the payment request using the payment method of 1;
The information processing device according to claim 1 or 2. The fee is a fee paid using the first payment means in response to the payment processing unit paying at least a part of the payment amount included in the payment request using the first payment means. further comprising a billing unit that charges the user a first fee;
The information processing device according to claim 1 or 2. The billing unit calculates the first fee based on the amount paid by the first payment means out of the payment amount included in the payment request, and charges the user the calculated first fee. ,
The information processing device according to claim 6. A fee paid by the store corresponding to the payment to the first payment operator that provides the first payment method, based on the amount settled by the first payment method among the payment amount included in the payment request. further comprising a billing unit that calculates a second fee that is and charges the store the calculated second fee;
The information processing device according to claim 1 or 2. A first payment provider that provides the first payment method provides the second payment method based on the amount of payment included in the payment request that is paid by the first payment method. further comprising a billing unit that calculates a third fee, which is a fee to be paid to a second payment provider, and charges the first payment provider for the calculated third fee;
The information processing device according to claim 1 or 2. The payment request includes store identification information for identifying the store where the payment is made and user identification information for identifying the user,
The payment processing unit is configured to determine whether the store indicated by the store identification information included in the payment request is a store where payment can be made using each of the first payment means and the second payment means corresponding to the user identification information. and if it is determined that the store is a store where payment can be made using each of the first payment means and the second payment means, the first payment means can be used to make the payment. make a payment corresponding to at least a portion of the payment amount included in the payment request;
The information processing device according to claim 1 or 2. computer executes
Using a second payment method in which a part of the second period, which is the aggregation target period for aggregating the payment amount corresponding to the payment, overlaps with the first period, which is the aggregation target period corresponding to the first payment method. receiving a payment request including a payment amount corresponding to the payment of the user who has made the payment;
Specify the payable amount, which is the remaining amount payable using the first payment means, in the first period, and make the payment request in a period in which the first period and the second period overlap. upon receiving the payment, the first payment means can be used to settle at least a part of the payment amount included in the payment request based on the payable amount. using the method to make a payment corresponding to at least a part of the payment amount included in the payment request;
An information processing method having

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