JP7174176B1 - Application program, system, information processing method, and information processing apparatus - Google Patents

Abstract

An application program, a system, an information processing method, and an information processing apparatus capable of managing a payment limit in an electronic payment service without making a user feel uncomfortable. At the time of settlement of charges in an electronic payment service, when deferred payment is displayed as a settlement method candidate on a user terminal device of a user of said electronic settlement service, said deferred payment usage balance is equal to said deferred payment usage upper limit. an application program for determining whether or not the balance is equal to or greater than the maximum amount of use, and not displaying the deferred payment as a settlement method candidate on the user terminal device when it is determined that the balance is equal to or greater than the upper limit of use. [Selection drawing] Fig. 1

Description

The present invention relates to application programs, systems, information processing methods, and information processing apparatuses.

Conventionally, techniques for managing payment limits in electronic payment services are known. For example, Patent Literature 1 discloses a technique for restricting purchase processing related to a purchase amount when the purchase amount in an electronic payment service exceeds a payment limit set by a user.

JP 2013-250822 A

The technology described in Patent Literature 1 restricts the purchase process when the purchase amount exceeds the payment limit after the user proceeds with the purchase procedure. However, restricting the purchase process after the user has proceeded with the purchase procedure hinders the smoothness of the purchase procedure and may make the user feel uncomfortable.

The present invention has been made in consideration of such circumstances, and provides an application program, a system, an information processing method, capable of managing the payment limit in an electronic payment service without causing discomfort to the user. and to provide an information processing apparatus.

According to one aspect of the present invention, when a user terminal device of a user of the electronic payment service displays deferred payment as a payment method candidate at the time of payment for the electronic payment service, the balance of the deferred payment is equal to the deferred payment and if it is determined that the balance is equal to or greater than the upper limit of use, the user terminal device does not display the deferred payment as a payment method candidate, application program.

According to one aspect of the present invention, it is possible to provide an application program, a system, an information processing method, and an information processing apparatus capable of managing a payment limit amount in an electronic payment service without causing discomfort to the user. can.

1 is a diagram showing an example of a configuration for realizing an electronic payment service according to the first embodiment; FIG. 1 is a diagram illustrating a general flow of electronic payment; FIG. 1 is a configuration diagram of a user terminal device 10 and a settlement server 100 according to the first embodiment; FIG. 4 is a diagram showing an example of contents of user information 172. FIG. 4 is a diagram showing an example of contents of BNPL setting information 176. FIG. 4 is a diagram showing an example of a display mode of BNPL payment displayed as a payment method candidate by the display control function 22. FIG. FIG. 10 is a diagram showing another example of a display mode of BNPL settlement displayed as a settlement method candidate by the display control function 22; FIG. 10 is a diagram showing another example of a display mode of BNPL settlement displayed as a settlement method candidate by the display control function 22; FIG. 10 is a diagram showing another example of a display mode of BNPL settlement displayed as a settlement method candidate by the display control function 22; FIG. 10 is a diagram showing another example of a display mode of BNPL settlement displayed as a settlement method candidate by the display control function 22; FIG. 10 is a diagram showing another example of a display mode of BNPL settlement displayed as a settlement method candidate by the display control function 22; 4 is a sequence diagram showing an example of the flow of processing executed by the payment application 20 and the payment server 100; FIG. FIG. 11 is a diagram showing an example of a display mode of BNPL payment displayed as payment method candidates by the display control function 22 according to the modification of the first embodiment. FIG. 10 is a diagram showing an example of a configuration for realizing an electronic payment service according to the second embodiment; FIG. 3 is a configuration diagram of a settlement server 100 according to a second embodiment; FIG. FIG. 13 is a diagram showing an example of the contents of BNPL setting information 176B; FIG. 4 is a diagram showing an example of a display mode of an individual BNPL payment and a comprehensive BNPL payment displayed as payment method candidates by the display control function 22. FIG. FIG. 4 is a diagram showing an example of a display mode of an individual BNPL payment and a comprehensive BNPL payment displayed as payment method candidates by the display control function 22. FIG.

An application program, a system, an information processing method, and an information processing apparatus according to the present invention will be described below with reference to the drawings. Application programs are executed by one or more processors. The application program is installed in the user terminal device of the user who uses the electronic payment service, and cooperates with the payment server that provides the electronic payment service to execute processing related to the electronic payment service. The application program also controls the display of payment methods applied when electronic payments are made. An electronic payment service is a service that supports payment for purchases of goods and services at physical stores or online shopping sites. Hereinafter, in the first embodiment, it is assumed that the electronic payment service is a service that supports payment related to the purchase of goods and services at physical stores, and in the second embodiment, the electronic payment service is a service that supports the payment of goods and services at an online shopping site. It shall be a service that supports the settlement of purchases.

[First embodiment]
FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service according to the first embodiment. An electronic payment service is implemented centering on the payment server 100 . The settlement server 100 communicates with each of one or more user terminal devices 10 and one or more shop terminal devices 50 via the network NW, for example. The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smart phone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 controls a camera, a communication device, a touch panel, and the like. In the following description, a process executed with the user terminal device 10 as the subject can be read as a process executed with the payment application 20 as the subject.

The store terminal device 50 is installed, for example, in a store. The store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize the product price acquisition function and the optical reading function. The store code image 60 is placed in a store and is a code image such as a QR code (registered trademark) printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed at the store.

The payment server 100 implements electronic payment based on payment information received from the user terminal device 10 or the store terminal device 50 . The settlement server 100 performs electronic settlement, for example, by increasing or decreasing the charge balance managed in association with the user ID (in other words, depositing and withdrawing electronic money). Furthermore, when executing electronic payment, the payment server 100 postpones the payment of the price by the user for a predetermined period (for example, one month), and after the predetermined period, receives the payment of the payment amount from the user, thereby completing the settlement. The user terminal device 10 is provided with a post-payment settlement (BNPL; Buy Now Pay Later, hereinafter sometimes referred to as "BNPL settlement") function. In this case, the operator of the electronic payment service pays the payment amount in advance to the store where the electronic payment was executed, and after a predetermined period, the user is paid by debit from the charge balance, account transfer, bill payment, etc. final settlement by receiving payment of the settlement amount from The BNPL payment, for example, compared to conventional deferred payment means such as credit card payment, simplifies identity verification and screening procedures for use. For example, unlike credit card payments, which require a credit check by an external credit agency, BNPL payments may provide credit to the user without conducting a credit check. In addition, BNPL settlement allows flexible setting of repayment methods compared to conventional deferred payment settlement methods. For example, in credit card payments, repayment is performed by account transfer on a predetermined day of every month, whereas in BNPL payments, in addition to account transfer, payment methods such as bill payment and charge balance payment are also provided. be. The details of these repayment means will be described later.

FIG. 2 is a diagram illustrating a general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2. In the case of pattern 1, first, the payment application 20 is activated on the user terminal device 10, and a code image such as a QR code or barcode is displayed. The user holds up (presents) the display surface of the user terminal device 10 to the shop terminal device 50 . The shop terminal device 50 decodes the code image with an optical reading function and acquires information such as an account ID. The shop terminal device 50 then generates payment information including the account ID, payment amount, shop ID, etc., and transmits the payment information to the payment server 100 . The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. Based on the received information, the settlement server 100 transfers the settlement amount from the user's electronic settlement account to the store's electronic settlement account, thereby completing the settlement process.

In the case of pattern 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function. The store code image 60 includes information such as the store name. The user inputs the payment amount and payment method (for example, charge balance payment or BNPL payment) to the user terminal device 10 on the screen on which the store name and the like are displayed. When the user presses the payment button with the payment amount and payment method entered, the user terminal device 10 generates payment information including an account ID, payment amount, payment method, shop ID, etc., and sends it to the payment server. Send to 100. The payment server 100 performs payment processing based on the received information. In the present embodiment, at least pattern 2 is used for electronic payment. Also, the "account ID" described in FIG. 2 may be other information (such as a telephone number) that can be used as user identification information.

[Settlement server]
FIG. 3 is a configuration diagram of the user terminal device 10 and the settlement server 100 according to the first embodiment. The payment application 20 installed in the user terminal device 10 has a display control function 22 implemented as a program module, a deferred payment determination function 24, and a repayment acceptance function 26. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 122, a BNPL processing unit 124, and a storage unit 170. The payment content providing unit 120, the payment processing unit 122, and the BNPL processing unit 124 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device.

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, BNPL setting information 176, and the like.

The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

The payment content providing unit 120 has, for example, a function of a web server, and provides the user terminal device 10 with information (contents) for displaying various screens of the electronic payment service. The payment content providing unit 120 appropriately reads necessary content from the payment content information 174 and provides it to the user terminal device 10 . The user terminal device 10 accepts various inputs from the user while the content is being reproduced by the payment application 20 , and transmits the above-described payment information and the like to the payment server 100 . Note that the content based on the payment content information 174 includes content provided while logged into the electronic payment service and content provided while not logged into the electronic payment service. In the content in the non-login state, the settlement server 100 provides various guidance information and accepts new registration and change of telephone number.

The payment processing unit 122 performs payment processing based on the payment information transmitted from the user terminal device 10 or the shop terminal device 50 . The payment processing unit 122 performs payment processing while referring to the user information 172 and the BNPL setting information 176 described below.

FIG. 4 is a diagram showing an example of the contents of the user information 172. As shown in FIG. The user information 172 includes, for example, the minimum required telephone number and password for new registration to the electronic payment service, e-mail address, name, address, date of birth, registration date, charge balance, Information such as bank account, credit card number, presence/absence of identity verification, charge history information, settlement history information, chat history information, etc. are associated with each other. Information other than the telephone number, password, registration date, charge balance, charge history information, and settlement history information is arbitrary setting information. Hereinafter, a user instance (electronic settlement account) associated with these pieces of information will be referred to as an account. The registration date is the date when the user registers for the electronic payment service (the date when the account is created).

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated trader (bank), remittance from a registered bank account, and the like. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can deposit money into the electronic payment service. The presence or absence of identity verification is information indicating whether or not the user has confirmed the identity of the user by, for example, uploading an image of an identity verification document such as a driver's license to an electronic payment service. is. The charge history information is a history of the user's advance remittance to the electronic payment service to increase the charge balance. The payment history information is information indicating details of payments made by the user (date and time, shop ID of the shop where the purchase was made, payment amount, etc.) for each payment.

The BNPL processing unit 124 executes various server-side processes necessary for realizing BNPL settlement in electronic settlement services. For example, the BNPL processing unit 124 performs usage settings for BNPL settlement in response to a request from the settlement application 20, or according to activation of the settlement application 20 (or according to selection of BNPL settlement) when the user uses BNPL. It notifies the available amount that can be settled. The BNPL processing unit 124 executes such server-side processing related to BNPL settlement while referring to the BNPL setting information 176 described below.

FIG. 5 is a diagram showing an example of the contents of the BNPL setting information 176. As shown in FIG. The BNPL setting information 176 is, for example, an account ID associated with information such as BNPL payment usage settings, maximum usage amount, balance of use, repayment settings, and repayment history information. The BNPL payment usage setting is information indicating whether or not the use of the BNPL payment has been validated as a result of the user of the electronic payment service applying for the use of the BNPL payment. In order for the user of the electronic payment service to use the BNPL payment, at least the presence or absence of identity verification stored in the user information 172 is required to be "confirmed".

The maximum usage amount is information indicating the maximum amount that the user can use for BNPL settlement for each predetermined period (for example, one month). The used balance is information indicating the balance amount (unpaid) that the user has used BNPL payment during a predetermined period. The available amount is information indicating the amount obtained by subtracting the available balance from the usage limit amount, and means the amount that the user can use for BNPL settlement during the current period.

The repayment setting is information indicating how the user repays the balance using BNPL settlement. Repayment settings include, for example, balance settlement, in which the amount of the used balance is withdrawn from the charge balance on a predetermined day of each month (for example, the 27th day of each month), and withdrawal of the amount of the used balance from the bank account registered in the user information 172. Account transfer, bill payment, etc., in which the balance amount described in the bill sent to the address registered in the user information 172 is paid, for example, at a convenience store. The repayment history information is information indicating whether or not the user has repaid the balance (and/or the repayment amount) for each predetermined period. In addition to this, if the user does not repay the balance of BNPL settlement for a certain period within the deadline, the repayment history information may also store information to the effect that the repayment has not been made within the deadline. good.

The display control function 22 executes various controls related to the display of the payment method on the user terminal device 10 at the time of payment for the electronic payment service. For example, the display control function 22 displays BNPL payment as a payment method candidate on the user terminal device 10 at the time of payment for the electronic payment service.

FIG. 6 is a diagram showing an example of a display mode of BNPL settlement displayed as a settlement method candidate by the display control function 22. In FIG. FIG. 6 is based on the premise that the electronic payment of pattern 2 shown in FIG. 2 is performed. First, when the user activates the payment application 20, the payment application 20 transmits a notification indicating activation to the payment server 100, including the user's account ID. When the BNPL processing unit 124 receives the notification indicating the activation of the payment application 20, the BNPL processing unit 124 refers to the BNPL setting information 176 using the account ID as a key, and obtains the record corresponding to the user (at least the BNPL payment usage setting and available amount). ). The BNPL processing unit 124 transmits the acquired record to the payment application 20 . When the activation of the payment application 20 is completed, next, the payment application 20 decodes the store code image 60 using the optical reading function, as shown in the left part of FIG. When the payment application 20 decodes the store code image 60, as shown in the right part of FIG. The area A2 is displayed on the user terminal device 10. FIG. At this time, if the usage setting for BNPL payment in the BNPL setting information 176 is enabled for the user, the display control function 22 displays selection items for selecting BNPL payment in the area A2. As shown in FIG. 6, the display control function 22 may also refer to the BNPL setting information 176 to display the available amount that the user can use for BNPL settlement during the current period.

When the user selects the BNPL payment and presses the payment button B1, the payment application 20 transmits information including the payment amount and payment method to the payment server 100. FIG. The payment server 100 receives the information, and if the payment method indicates the BNPL payment, the BNPL processing unit 124 executes the BNPL payment. More specifically, the BNPL processing unit 124 transfers the amount equivalent to the settlement amount entered in the area A1 to the account of the physical store linked to the store code image 60, and at the same time, the balance of use in the BNPL setting information 176 is transferred. , is increased by the payment amount (at the same time, the available amount is subtracted by the payment amount). After that, when a predetermined period of time elapses and the balance is settled, the BNPL processing unit 124 uses the repayment method set in the repayment settings to settle the BNPL payment (for example, from the user's charge balance subtract the settlement amount). When the settlement of the BNPL settlement is successful, the BNPL processing unit 124 records information to that effect (and/or the repayment amount) in the repayment history information of the BNPL setting information 176 .

In this way, a user of an electronic payment service can execute electronic payment by using BNPL payment even if the charge balance is less than the payment amount. However, as described above, the maximum usage amount is set for each predetermined period of time for the BNPL payment, and depending on the user's current available amount, the BNPL payment may not be executed. In this case, the user is unaware that the available amount is less than the settlement amount, and an error occurs when attempting to execute the BNPL settlement, or the product or service that the user wants to purchase cannot be obtained. 1st Embodiment copes with such a subject.

FIG. 7 is a diagram showing another example of the display mode of the BNPL payment displayed as a payment method candidate by the display control function 22 . FIG. 7 shows a situation where the user's available amount for BNPL settlement is 0 yen, that is, the balance has reached the upper limit of use. The deferred payment determination function 24 determines whether or not the available amount for BNPL settlement by the user is 0 yen (that is, whether or not the balance is equal to or greater than the upper limit of use). When it is determined that the available amount is 0 yen, the display control function 22 operates so as not to display the BNPL payment as a payment method candidate on the user terminal device 10 . Here, "not to display" includes not only hiding but also visibly displaying that BNPL settlement is not possible. In the example of FIG. 7, the display control function 22 visually displays to the user that the BNPL payment is not possible by displaying the selection item of the BNPL payment in grayscale. As a result, it is possible to prevent the user from feeling uncomfortable due to the occurrence of a BNPL payment error.

Furthermore, the display control function 22, when the available amount becomes 0 yen by the user using the BNPL payment (that is, when the balance reaches the upper limit of use), the balance of use reaches the upper limit of use For example, the home screen of the payment application 20 may display information indicating that the limit has been reached. Further, for example, the display control function 22 may notify information indicating that the balance of use has reached the maximum amount of use by a function such as a push notification.

FIG. 8 is a diagram showing another example of the display mode of the BNPL payment displayed as a payment method candidate by the display control function 22. In FIG. FIG. 8 shows a situation where the user's available amount for BNPL settlement is not 0 yen, but the settlement amount entered by the user exceeds the available amount. The deferred payment determination function 24 determines whether or not the settlement amount entered by the user exceeds the available amount of the user (in other words, whether or not the sum of the settlement amount and the balance of use exceeds the upper limit of use). do. When the deferred payment determination function 24 determines that the payment amount input by the user exceeds the available amount of the user, the display control function 22 displays the BNPL payment as a payment method candidate in the user terminal device 10. It works so that it is not displayed as As a result, it is possible to prevent the user from feeling uncomfortable due to the occurrence of a BNPL payment error.

FIG. 9 is a diagram showing another example of the display mode of the BNPL payment displayed as a payment method candidate by the display control function 22 . Similar to FIG. 7, FIG. 9 shows a situation where the user's available amount for BNPL settlement is 0 yen, that is, the balance has reached the upper limit of use. As shown in the left part of FIG. 9, the display control function 22 may cause the user terminal device 10 to display a button B2 for accepting repayment of the balance when the balance has reached the upper limit of the balance. When the user presses the button B2, the user terminal device 10 transitions to a screen for accepting repayment of the used balance.

In the right part of FIG. 9, symbol A3 indicates an area for the user to select a repayment method for the outstanding balance, symbol A4 indicates an area for inputting the repayment amount, and symbol B3 indicates the selected repayment method. button for executing repayment of the used balance by The method of repaying the used balance may be, for example, a balance repayment in which the amount of the used balance is withdrawn from the charge balance, an account repayment in which the amount of the used balance is withdrawn from the bank account registered in the user information 172, or a payment method registered in the user information 172. This includes repayment of bills, for example, at a convenience store, for the amount of the balance of use stated in the bill sent to the specified address. As shown in FIG. 9, the display control function 22, together with the repayment method, until the BNPL payment becomes possible again when the repayment by the repayment method is executed (that is, the display control function 22 selects the BNPL payment selection item (until it is displayed again) may be displayed.

When the user designates the repayment method and the repayment amount of the used balance and presses the repayment button B3, the repayment acceptance function 26 accepts the selection and transmits the acceptance information to the settlement server 100. FIG. When the settlement server 100 receives the acceptance information, the BNPL processing unit 124 executes the repayment of the used balance by the selected repayment method, and updates (that is, increases) the available amount for BNPL settlement. The BNPL processing unit 124 transmits the updated available amount to the payment application 20, and the display control function 22, if the available amount is greater than zero (that is, if the available balance is less than the maximum available amount), BNPL settlement is redisplayed as a settlement method candidate on the user terminal device 10.例文帳に追加As a result, the BNPL settlement can be resumed before the repayment date of the used balance, and the user's convenience can be enhanced.

The processing described in FIG. 9 restores the BNPL settlement by the user bringing forward the repayment of the balance of use. That is, for this purpose, the user needs to prepare cash for repayment in advance. However, since users do not always have such financial leeway, providing a means of repayment only for the return of BNPL settlement would be less convenient for users. Therefore, the process described below provides the user with the means to restore the BNPL payment even if the user has not prepared cash for the repayment in advance.

FIG. 10 is a diagram showing another example of the display mode of the BNPL payment displayed as a payment method candidate by the display control function 22 . In FIG. 10, reference B4 indicates a request button for the user to request continuous increase of the upper limit of BNPL payment. Here, “continuous increase” means that once the usage limit is raised, it will be permanently (more specifically, the provision of the electronic payment service will be terminated, or the user will be able to pay electronically maintained (until you unsubscribe from the service). For example, the display control function 22 causes the user terminal device 10 to display a request button B4 when the difference between the balance of use and the upper limit of use is within the threshold (that is, when the available amount is within the threshold). .

When the user presses the request button B4, the settlement application 20 transmits to the settlement server 100 information indicating that the user wishes to continuously raise the upper limit of usage. When the BNPL processing unit 124 receives information from the payment application 20 indicating that the user wishes to continuously increase the usage limit, the BNPL processing unit 124 adjusts the credit of the user based on the usage history of the electronic payment service by the user. A score is calculated, and when the credit score is equal to or higher than the threshold, it is determined that the maximum amount of use is to be continuously increased. Here, the usage history includes at least one of payment history information recorded in the user information 172 and repayment history information recorded in the BNPL setting information 176 . For example, the BNPL processing unit 124 may calculate a higher credit score as the monthly average payment amount of the user is higher. Also, for example, the BNPL processing unit 124 may calculate a higher credit score the longer the period in which the user settled the balance on time, the higher the credit score.

FIG. 11 is a diagram showing another example of the display mode of the BNPL payment displayed as a payment method candidate by the display control function 22 . In FIG. 11, reference B5 indicates a request button for the user to request a temporary increase in the upper limit of BNPL payment. Here, "temporary increase" means that the upper limit of usage is increased for a limited period of time (for example, several days or one month). For example, the display control function 22 causes the user terminal device 10 to display a request button B5 when the difference between the balance of use and the maximum amount of use is within the threshold (that is, when the available amount is within the threshold). . When the user presses the request button B5, the settlement application 20 transmits to the settlement server 100 information indicating that the user wishes to continuously increase the upper limit of usage. When the BNPL processing unit 124 receives information from the payment application 20 indicating that the user wishes to continuously raise the upper limit of usage, as in the case of FIG. Based on this, the credit score of the user is calculated, and if the credit score is equal to or higher than the threshold, it is determined that the maximum amount of use is to be temporarily raised. It should be noted that a temporary increase in the maximum amount of usage reduces the credit risk that the operator of the electronic payment service undertakes, compared to a continuous increase in the maximum amount of usage. Therefore, the threshold for permitting a temporary increase in the maximum usage amount may be set to a smaller value than the threshold for permitting a continuous increase in the maximum usage amount. As a result, even users who do not have a high credit score can be provided with the opportunity to return to BNPL settlement as much as possible.

FIG. 12 is a sequence diagram showing an example of the flow of processing executed by the payment application 20 and the payment server 100. As shown in FIG. First, the payment application 20 is activated, for example, in response to button operation by the user (step S10). When the settlement application 20 is activated, it transmits activation information including at least the user's account ID to the settlement server 100 (step S12).

When receiving the activation information, the settlement server 100 refers to the BNPL setting information 176 using the account ID included in the activation information as a key, and acquires the record corresponding to the account ID (step S14). Next, the payment server 100 transmits the acquired record of the BNPL setting information 176 to the payment application 20 (step S16). Thereby, the payment application 20 determines whether or not the BNPL payment is activated for the user, and if the BNPL payment is activated, at least the available amount set for the user. get.

Next, the payment application 20 decodes the store code image 60 installed at the actual store at the time of settlement at the actual store, and identifies the actual store to which the fee is to be paid (step S18). The payment application 20 causes the user terminal device 10 to display an area for inputting the payment amount to be paid to the identified actual shop and an area for selecting a payment method (step S20). At this time, if the BNPL payment is enabled, the payment application 20 displays the BNPL payment and the available amount as payment method candidates. The display mode of the BNPL payment is as described with reference to FIGS. 6 to 11. FIG.

Next, when the payment amount and payment method are input by the user, the payment application 20 transmits payment information including these input information to the payment server 100 (step S22). The payment server 100 executes electronic payment according to the input payment method (step S24). That is, when the payment information specifies BNPL payment, the payment server 100 uses the BNPL processing unit 124 to execute the BNPL payment. Thus, the processing of this sequence diagram ends.

According to the first embodiment described above, when the payment application determines that the balance of use is equal to or greater than the maximum amount of use, the payment application does not display BNPL payment as a payment method candidate on the user terminal device, and does not display BNPL payment as a payment method candidate. It is possible to prevent the user from feeling uncomfortable due to the occurrence of an error. In addition, the payment app provides the user with an opportunity to increase the usage limit if the available amount of BNPL payment is within the threshold. As a result, it is possible to manage the payment limit in the electronic payment service without causing discomfort to the user.

In addition, in the first embodiment described above, the display mode of the BNPL settlement by the display control function 22 is individually shown. However, the present invention is not limited to such a configuration, and the display modes described with reference to FIGS. 6 to 11 may be combined with each other. For example, when the balance of BNPL settlement reaches the upper limit of use, the display control function 22 displays a refund button B2 shown in FIG. 9 and a request button for continuously increasing the upper limit of use shown in FIG. B4 may be displayed together. Further, for example, the display control function 22 has a request button B4 for requesting a continuous increase in the maximum usage amount shown in FIG. A button B5 may also be displayed so that the user can decide whether to raise the upper limit of usage continuously or temporarily according to his or her wishes.

Furthermore, in the first embodiment described above, as an example, when the user terminal device 10 decodes the shop code image 60 (that is, when electronic payment is executed), the display control function 22 is controlled. However, the present invention is not limited to such a configuration, and for example, the display control function 22 may perform the display control described above when performing default payment settings through the setting screen of the payment application 20 . For example, when the user sets the BNPL settlement as the default settlement method, if the balance of use has reached the maximum amount of use, the repayment button B2 shown in FIG. 9 or the request button B4 shown in FIG. It may be displayed on the setting screen.

Furthermore, in the first embodiment described above, the processing related to the display of the payment method is performed by the program modules such as the display control function 22, the deferred payment determination function 24, and the repayment reception function 26 included in the payment application 20. It is realized by doing However, the present invention is not limited to such a configuration, and the functional units such as the display control function 22, the deferred payment determination function 24, and the repayment acceptance function 26 serve as the display control unit, the deferred payment determination unit, and the repayment acceptance unit, respectively. It may be implemented in the server 100 . In that case, the electronic payment service is implemented as, for example, a web application, and the payment application 20 accesses the payment server 100 via the web browser and displays the processing results related to electronic payment and BNPL payment.

<Modified Example of First Embodiment>
In the first embodiment described above, the deferred payment determination function 24 determines whether or not the available amount for BNPL settlement by the user is 0 yen (that is, whether or not the balance is equal to or greater than the upper limit of use). When it is determined that the available amount is 0 yen, the display control function 22 operates so as not to display the BNPL settlement as a settlement method candidate on the user terminal device 10 . However, in actual settlement, the available amount of BNPL settlement rarely matches 0 yen, and the available amount is small enough to reduce the number of items that can be purchased (for example, 20 yen). Calmness is common. In that case, in the configuration of the first embodiment, BNPL payment continues to be displayed as a payment method candidate because the available amount is greater than 0 yen even though there are almost no items that can be purchased. become. That is, such a configuration may impair convenience for the user.

Against the background of the above circumstances, in the modified example of the first embodiment, the storage unit 170 holds an additional amount frame that allows the use of BNPL payment only once for each user exceeding the upper limit of use of BNPL payment. do. The additional amount frame is calculated in advance by the BNPL processing unit 124, for example, based on the usage history of the electronic payment service by the user. For example, the additional amount limit is set to a larger value as the monthly payment amount by the user increases.

When the user inputs the settlement amount on the settlement application 20, the BNPL processing unit 124 receives the settlement amount input from the settlement application 20, and determines whether the settlement amount exceeds the sum of the available amount and the additional amount limit. determine whether or not When it is determined that the payment amount does not exceed the sum of the available amount and the additional amount limit, the BNPL processing unit 124 causes the user terminal device 10 to display the BNPL payment as a payment method candidate.

FIG. 13 is a diagram showing an example of a display mode of BNPL payment displayed as payment method candidates by the display control function 22 according to the modification of the first embodiment. In FIG. 13, for example, the available amount for BNPL settlement is set to 90 yen, and 300 yen is entered as the settlement amount. At this time, the BNPL processing unit 124 determines that the payment amount (300 yen) does not exceed the sum of the available amount (90 yen) and the additional amount limit (for example, 500 yen), and sends the user terminal device 10 , BNPL payment is displayed as a payment method candidate. Since the use of the additional amount limit is valid only once, when the user executes the BNPL payment in the scene of FIG. not displayed as In this way, by allowing the use of BNPL payment only once beyond the maximum amount of BNPL payment, BNPL payment continues to be displayed as a payment method candidate even though there are almost no purchasable goods. inconvenience can be eliminated.

Note that the payment application 20 side may determine whether or not the payment amount exceeds the sum of the available amount and the additional amount limit. In this case, for example, the payment application 20 receives the available amount and the additional amount frame from the payment server 100 when the payment application 20 is activated, and the deferred payment determination function 24 uses the input payment amount when executing the electronic payment. It is determined whether or not the sum of the available amount and the additional amount limit is exceeded.

<Second embodiment>
The first embodiment described above controls the display mode of the BNPL payment when the user makes an electronic payment at a physical store. On the other hand, the present invention can also be applied, for example, when a user makes an electronic payment at an online shopping site. The electronic payment service according to the second embodiment will be described below with emphasis on the configuration different from that of the first embodiment.

FIG. 14 is a diagram showing an example of a configuration for realizing an electronic payment service according to the second embodiment. The electronic payment service according to the second embodiment is realized by the user terminal device 10 and the payment server 100B. The payment server 100B provides the user terminal device 10 with a function for purchasing goods and services on the online shopping site, in addition to the functions of the payment server 100 according to the first embodiment. A user accesses the payment server 100B via the payment application 20 of the user terminal device 10 and purchases goods or services at the online shopping site. A server that provides functions related to the online shopping site may be provided separately from the settlement server 100B.

FIG. 15 is a configuration diagram of a payment server 100B according to the second embodiment. Unlike the configuration of the payment server 100 according to the first embodiment, the payment server 100B includes BNPL setting information 176B having a different configuration from the BNPL setting information 176. FIG. Specifically, in the second embodiment, the payment server 100B provides a plurality of different types of BNPL payment functions to the user terminal device 10, and the BNPL setting information 176B is setting information regarding these types of BNPL payments. is stored. It should be noted that since a known configuration can be adopted for the functions of the online shopping site provided by the payment server 100B, the description of that functional section is omitted in FIG.

FIG. 16 is a diagram showing an example of the contents of the BNPL setting information 176B. The BNPL setting information 176B is, for example, for an account ID, individual BNPL payment usage settings, usage limit amount 1, available balance 1, available amount 1, comprehensive BNPL payment usage settings, usage limit amount 2, usage balance 2 , available amount 2, and repayment history information are associated with each other. The individual BNPL settlement is an example of the "first type of deferred payment", and the comprehensive BNPL settlement is an example of the "second type of deferred payment". Comprehensive BNPL settlement is a settlement method of the same format as the BNPL settlement according to the first embodiment, so description thereof will be omitted.

Individual BNPL payment is a deferred payment method that allows deferred payment for each product purchased on an online shopping site. In FIG. 16, the individual BNPL payment use setting is information indicating whether or not the use of individual BNPL payment has been validated as a result of the user of the electronic payment service applying for the use of individual BNPL payment. That is, when the use of individual BNPL payment is set to "valid", the user can select individual BNPL payment as a payment method when purchasing products or services on the online shopping site. When the user selects individual BNPL payment, the BNPL processing unit 124 determines whether individual BNPL payment is permitted for the user for each product or service purchased. Unlike the comprehensive BNPL payment, the use upper limit 1 is set to a lower amount than the use upper limit 2 because personal identification is not required to validate the use of the individual BNPL payment.

FIG. 17 is a diagram showing an example of a display mode of individual BNPL payment and comprehensive BNPL payment displayed as payment method candidates by the display control function 22 . FIG. 17 shows a scene where a user accesses an online shopping site using the user terminal device 10 and selects a payment method for purchasing a television. In FIG. 17, symbol A5 indicates an item for selecting the balance settlement that deducts the amount equivalent to the product price from the charge balance, symbol A6 indicates an item for selecting individual BNPL settlement, and symbol A7 indicates , indicates an item for selecting an inclusive BNPL settlement. Generally, unlike comprehensive BNPL payment, the display control function 22 does not cause the user terminal device 10 to display the available amount for individual BNPL payment. Therefore, compared to comprehensive BNPL payments, individual BNPL payments tend to cause more frequent errors during payments.

Therefore, when the user transitions to the purchase page of the online shopping site, the BNPL processing unit 124 refers to the BNPL setting information 176B and refers to the available amount for individual BNPL payment by the user (that is, available amount 1 ) is zero. When the BNPL processing unit 124 determines that the available amount 1 is zero, the display control function 22 operates so as not to display the individual BNPL payment as a payment method candidate on the user terminal device 10 .

FIG. 18 is a diagram showing another example of the display mode of the individual BNPL payment and the comprehensive BNPL payment displayed as payment method candidates by the display control function 22 . In FIG. 18, in response to the BNPL processing unit 124 determining that the amount available for individual BNPL payment by the user is zero, the display control function 22 displays the selection items for individual BNPL payment in grayscale. It represents a scene where As a result, it is possible to prevent the user from feeling uncomfortable due to the occurrence of an error in the individual BNPL payment.

The operations by the display control function 22 shown in FIGS. 9 to 11 can be similarly applied to individual BNPL payments. For example, as in the case of FIG. 9, the display control function 22 displays a button for accepting repayment of the balance on the user terminal device 10 when the balance of the individual BNPL payment by the user reaches the maximum usage limit. may be displayed. 10 and 11, the display control function 22, if the available amount for individual BNPL payment by the user is within the threshold (or zero), continuously or temporarily A button for pulling up the target may be displayed on the user terminal device 10 . In this case as well, the determination of whether to increase the available amount is made using the credit score calculated based on the user's payment history information and repayment history information.

According to the second embodiment described above, the payment application displays the individual BNP payment as a payment method candidate on the user terminal device when it is determined that the balance used for the individual BNP payment is equal to or greater than the maximum usage limit. It is possible to prevent the user from feeling uncomfortable due to the occurrence of an error in individual BNPL settlement. In addition, the payment app will provide the user with an opportunity to increase the usage limit if the available amount for individual BNPL payments is within the threshold. As a result, it is possible to manage the payment limit in the electronic payment service without causing discomfort to the user.

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

10 User terminal device 20 Settlement application 22 Display control function 24 Deferred payment determination function 26 Refund acceptance function 50 Store terminal device 60 Store code image 100, 100B Settlement server 110 Communication unit 120 Settlement content providing unit 122 Settlement processing unit 170 Storage unit 172 Usage Party information 174 Payment content information 176, 176B BNPL setting information

Claims (13)

At the time of payment for the electronic payment service, the user terminal device of the user of the electronic payment service is paid afterward, and the charge balance payment is performed by subtracting the payment amount related to the payment from the charge balance charged in advance by the user. is displayed as a payment method candidate, it is determined whether or not the deferred payment usage balance is equal to or greater than the deferred payment usage limit amount, and if it is determined that the usage balance is equal to or greater than the deferred payment usage limit amount, causing the user terminal device not to selectably display the deferred payment as a settlement method candidate, but to selectably display only the charge balance settlement;
application program. When the user terminal device of the user of the electronic payment service reads the identification information of the physical store, the payment amount is linked to the physical store at the time of payment for the electronic payment service related to the purchase at the physical store. When entering
Determining whether or not the settlement amount exceeds the available amount of postpayment calculated by subtracting the balance of the postpayment usage from the upper limit of the usage amount of postpayment, and determining whether or not the settlement amount exceeds the available amount When the determination is made , charging balance settlement for subtracting the settlement amount related to the settlement from the charge balance charged in advance by the user without displaying the deferred payment as a selectable settlement method candidate on the user terminal device. display only selectable,
application program. When the user terminal device of the user of the electronic payment service reads the identification information of the physical store, the payment amount is linked to the physical store at the time of payment for the electronic payment service related to the purchase at the physical store. When entering
Based on the additional amount limit, which is set for each user and allows the use of the deferred payment only once beyond the maximum amount of the deferred payment, the settlement amount is reduced from the upper limit of the deferred payment to the use of the deferred payment. Determining whether or not the sum of the available amount for deferred payment calculated by subtracting the balance and the additional amount limit is exceeded, and determining whether the settlement amount exceeds the sum of the available amount and the additional amount limit If it is determined that there is no option, display the deferred payment as a settlement method candidate on the user terminal device, and if it is determined that the settlement amount exceeds the sum of the available amount and the additional amount frame, The user terminal device does not selectably display the deferred payment as a settlement method candidate, and only the charge balance settlement in which the settlement amount related to the settlement is subtracted from the charge balance charged in advance by the user can be selected. to display
application program. The difference between the balance of deferred payment and the upper limit of deferred payment when displaying deferred payment as a settlement method candidate on the user terminal device of the user of the electronic payment service at the time of payment in the electronic payment service. is greater than zero and within a threshold, causing the user terminal device to display an option indicating whether the user wishes to continuously increase the maximum amount of use;
application program. The difference between the balance of deferred payment and the upper limit of deferred payment when displaying deferred payment as a settlement method candidate on the user terminal device of the user of the electronic payment service at the time of payment in the electronic payment service. is greater than zero and within a threshold, causing the user terminal device to display an option indicating whether the user wishes to temporarily increase the maximum amount of use;
application program. When it is determined that the balance of use is equal to or greater than the upper limit of use, notifying the user terminal device of information indicating that the deferred payment cannot be used as a settlement method;
An application program according to any one of claims 1 to 5. Receiving repayment of the deferred payment balance from the user terminal device,
displaying the deferred payment as a payment method candidate on the user terminal device when the balance is less than the upper limit amount as a result of acceptance of repayment of the balance;
An application program according to any one of claims 1 to 6. causing the user terminal device to display an expected period from the repayment to the display;
The application program according to claim 7. causing the user terminal device to display the postpaid available amount calculated by subtracting the available balance from the maximum usage amount;
An application program according to any one of claims 1 to 8. The deferred payment includes a first type deferred payment that permits use for each purchase in the electronic payment service, and a second type that permits use within the upper limit regardless of the number and content of purchases in the electronic payment service. including two types of deferred payment,
causing the user terminal device to display the first type of deferred payment and the second type of deferred payment as candidates for the payment method;
Application program according to any one of claims 1 to 9. The user terminal device on which the application program according to claim 4 or 5 is installed;
a server device that provides the electronic payment service;
When the server device receives from the user terminal device information indicating that the upper limit of usage is desired to be increased continuously or temporarily, based on the usage history of the electronic payment service, the server device determine whether to continuously or temporarily increase the maximum amount;
system. the computer
At the time of payment for the electronic payment service, the user terminal device of the user of the electronic payment service is paid afterward, and the charge balance payment is performed by subtracting the payment amount related to the payment from the charge balance charged in advance by the user. is displayed as a payment method candidate, it is determined whether or not the deferred payment usage balance is equal to or greater than the deferred payment usage limit amount, and if it is determined that the usage balance is equal to or greater than the deferred payment usage limit amount, causing the user terminal device not to selectably display the deferred payment as a settlement method candidate, but to selectably display only the charge balance settlement;
Information processing methods. At the time of payment for the electronic payment service, the user terminal device of the user of the electronic payment service is paid afterward, and the charge balance payment is performed by subtracting the payment amount related to the payment from the charge balance charged in advance by the user. as a payment method candidate;
a deferred payment determination unit that determines whether the deferred payment usage balance is equal to or greater than the deferred payment usage limit,
The display control unit causes the user terminal device to selectably display the deferred payment as a settlement method candidate when the deferred payment determination unit determines that the balance is equal to or greater than the upper limit of use. first, display only the charge balance settlement in a selectable manner,
Information processing equipment.

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