JP2020024495A - Information processing method, information processing device, and information processing program - Google Patents

Abstract

To provide an information processing method and the like that can enhance profitability regarding a remittance of electronic money and user convenience.SOLUTION: An information processing method comprises: storing the balance in a first accounting account associated with a user; when a prescribed condition is satisfied, proposing to the user a remittance to the first accounting account; calculating a proposed remittance to the first accounting account to exceed an amount corresponding to a break-even point regarding processing of a remittance to the first accounting account, and presenting the proposed remittance to the user; and remitting the proposed remittance to the first accounting account on the basis of acceptance by the user.SELECTED DRAWING: Figure 5

Description

  The present disclosure relates to an information processing method, an information processing device, and an information processing program.

  2. Description of the Related Art In recent years, settlement services that allow payment using so-called electronic money during commercial transactions for purchasing goods and services have become widespread. In the settlement service, the user deposits (charges) a desired amount of electronic money in advance into an electronic value such as a dedicated or general-purpose electronic money card or an electronic money account associated with the user, and sets the amount of the deposit. To the limit, payment at the time of purchase of goods or services in commercial transactions can be settled by electronic money.

  As a method of depositing electronic value, a user can pay a desired amount of cash to a predetermined deposit machine installed in a store or the like, or online from a withdrawal account such as a financial institution or a credit card company to an electronic value. There is a method of depositing. Also, recently, there has been known a method of automatically depositing electronic value so that when the electronic value balance falls below a predetermined threshold value, the balance becomes a preset target amount. According to this method (Patent Document 1), the user does not need to perform a deposit operation.

JP 2012-14260 A

(Issue 1)
However, for example, when it is desired to temporarily increase or decrease the balance of the electronic value due to the convenience of the user, after all, the user needs to check the balance and perform a deposit / withdrawal operation. In this case, the balance confirmation and the depositing / dispensing operation are troublesome, and are felt very troublesome for the user. Therefore, the smooth depositing process and eventually the user's commercial transaction are hindered. In addition, as a result, there have been problems in that the convenience of the user is impaired, the user's willingness to use electronic value is reduced, and the user is unable to carry out commercial transactions quickly and smoothly. Furthermore, when depositing money into electronic value from a withdrawal source, a commission is usually arranged between the withdrawal source and the receiving side (electronic value operator). Therefore, depending on the commission and the deposit amount, the deposit amount may be lower than the commission, and the profitability in operating the settlement service may be deteriorated.

  In view of the foregoing, the present disclosure has been made in view of the above circumstances, and has been made in view of the above circumstances. It is an object of the present invention to provide an information processing method, an information processing apparatus, and an information processing program which can enhance the information processing.

(Issue 2)
Further, if the balance of the withdrawal source associated with the user is insufficient, for example, with respect to the payment amount (purchase amount) in the commercial transaction, even if the balance of the withdrawal source is deposited in the electronic value, the payment is made. Can not be settled. In addition, in this case, it is necessary to perform a deposit process from the withdrawal source to the electronic value once the deposit has been made to the withdrawal source, which is troublesome and very troublesome for the user. As a result, the business transactions of the user are hindered. As a result, the user's convenience has been impaired, the user's willingness to use electronic value has been reduced, and the user has been unable to carry out commercial transactions quickly and smoothly.

  In view of the foregoing, the present disclosure has been made in view of the above circumstances, and enables payment even if the balance of the user's withdrawal source account is insufficient. It is an object of the present invention to provide an information processing method, an information processing apparatus, and an information processing program that can improve the information.

(Issue 3)
In addition, when the user decides the deposit amount and deposits, it is assumed that the user deposits an amount that is far from the amount usually paid on average, so that the user's money is appropriately managed. May not be possible. Further, in this case, it is necessary to perform a troublesome operation such as inputting the determined amount after considering the amount of deposit each time the deposit is made, which is very troublesome for the user, and therefore, the smooth deposit processing and eventually the user's business transaction are performed. It will be hindered. As a result, the user's convenience has been impaired, the user's willingness to use electronic value has been reduced, and the user has been unable to carry out commercial transactions quickly and smoothly.

  Therefore, the present disclosure has been made in view of such circumstances in one aspect, and it is possible to deposit an appropriate amount for a user by a simple operation, and thereby, the user's money can be appropriately adjusted. An object of the present invention is to provide an information processing method, an information processing apparatus, and an information processing program that can manage and improve user convenience.

(Issue 4)
In addition, for the user, the operation of inputting the deposit amount to the electronic value as a numerical value is troublesome, and in particular, inputting a detailed numerical value of the deposit amount (for example, a numerical value in units of 1 yen or 10 yen) is not necessary and very difficult. Therefore, the smooth payment processing and the business transaction of the user are hindered. As a result, the user's convenience has been impaired, the user's willingness to use electronic value has been reduced, and the user has been unable to carry out commercial transactions quickly and smoothly.

  Thus, the present disclosure has been made in view of such circumstances in one aspect, and has an information processing program, an information processing method, and an information processing method capable of realizing a deposit process by a simple operation and improving user convenience. It is an object to provide an information processing device.

(Means 1)
An information processing method according to an embodiment of the present disclosure includes a step of storing a balance of a first account account associated with a user, and depositing the first account account for the user when a predetermined condition is satisfied. And calculating a deposit proposal amount to the first account account so as to exceed an amount corresponding to a breakeven point relating to a deposit process to the first account account, and Presenting a proposed amount; depositing the proposed deposit amount into the first account account based on the user's consent; Updating the balance in the account.

  Note that “commerce” includes purchase, lending, and use of tangible or intangible goods or services (services) in a real store and a virtual store, and is an act in which payment is made by a user who has performed a business transaction. Examples of the “service” include, but are not limited to, products and services that are sold (transferred) or provided by an electronic transaction service, a content sales service, a subscription-type service, a financial service, and the like.

(Means 2)
An information processing method according to an embodiment of the present disclosure includes: storing a balance of a first account account associated with a user; Proposing a deposit to the first account account to the user; selecting the specific user having a predetermined relationship with the user by the user when the deposit is proposed; and Accepting a deposit request and a deposit request amount for; a step of depositing the deposit request amount into the first account account based on the consent of the specific user; and a step of depositing the deposit request amount into the first account account. Updating the balance of the first account account.

(Means 3)
An information processing method according to an embodiment of the present disclosure stores a balance of a first account account associated with a user, and stores transaction information in a commercial transaction by the user and payment information to the first account account. Calculating a deposit proposal amount to the first account account based on at least one of the transaction information and the deposit information; Presenting the proposed deposit amount to the user; and depositing the proposed deposit amount, or a designated designated amount determined based on the proposed deposit amount by the user, into the first account account, Updating the balance of the first account account according to the deposit amount in the first account account.

(Means 4)
An information processing program according to an embodiment of the present disclosure includes a step of displaying, on an information processing apparatus, a first display area associated with a first account account associated with a user, and a second display area associated with the user. Displaying a second display area associated with the account account; and specifying a deposit amount from the second account account to the first account in response to the user operating the second display area. And execute.

FIG. 1 illustrates a configuration of a communication system according to an aspect of the embodiment. FIG. 2 illustrates an example of a hardware configuration of the information processing apparatus according to the present disclosure. FIG. 3 is a schematic diagram schematically showing the outline of the configuration of the first embodiment. FIG. 4 is an example of a block diagram illustrating a functional configuration of the information processing apparatus according to the first embodiment. FIG. 5 shows an example of a sequence diagram of processing between the server and the terminal according to the first embodiment. FIG. 6 shows an example of a sequence diagram of processing between the server and the terminal according to the first example of the first embodiment. FIG. 7 is a schematic diagram schematically showing the outline of the configuration of the second embodiment. FIG. 8 shows an example of a sequence diagram of processing between a server and a terminal according to the second embodiment. FIG. 9 illustrates an example of a sequence diagram of a process between a server and a terminal according to the third example of the second embodiment. FIG. 10 shows an example of a sequence diagram of processing between a server and a terminal according to the third embodiment. FIGS. 11A to 11D show an example of a display screen on a terminal according to a second example of the third embodiment. FIG. 12 shows an example of a sequence diagram of processing between a server and a terminal according to the fourth embodiment. FIGS. 13A to 13D show an example of transition of a display screen in a terminal according to the fourth embodiment. FIGS. 14A and 14B show an example of transition of a display screen in a terminal according to the fourth embodiment. FIG. 15 illustrates an example of a sequence diagram of a process between a server and a terminal according to the third example of the fourth embodiment.

<Legal compliance>
The disclosure set forth herein, if implemented, will be implemented in compliance with the laws of the countries where the disclosure is implemented. In addition, the disclosure described in this specification is implemented with all the changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art necessary to comply with the laws and regulations of each country.

  An embodiment of an information processing method, an information processing apparatus, and an information processing program according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 illustrates a configuration of a communication system 1 for effectively executing an information processing method according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, the server 110A, the server 110B, the terminal 120A, the terminal 120B, the terminal 120C, and a server different from the server 110A, the server 110B, for example, another business via the network 130. System (e.g., a financial institution, a credit card company) or a server operated by another business unit is connected.

  In the present disclosure, when it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

  In the present disclosure, when it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively.

  In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be expressed as the information processing device 200, respectively. The number of information processing devices 200 connected to the network 130 and the number of external systems 140 are not limited.

  The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. Examples of the predetermined service include, but are not limited to, a settlement service, a commercial transaction service, an SNS (Social Networking Service) represented by an instant messenger, and a content providing service such as music, videos, and books. When the user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120.

  If necessary, a terminal used by the user X is expressed as a terminal 120X, and user information in a predetermined service associated with the user X or the terminal 120X is expressed as user information X. The user information is information of a user associated with an account used by the user in a predetermined service. The user information is, by way of example and not limitation, a user's name, a user's icon image, a user's age, a user's gender, a user's address, and a user's hobby that are input by the user or given by a predetermined service. The information includes information associated with the user, such as the preference and the user identifier, and any one or a combination of these may be used.

  The network 130 has a role of connecting two or more information processing apparatuses 200. The network 130 refers to a communication network that provides a connection path so that data can be transmitted and received after the terminal 120 connects to the server 110.

  One or more portions of network 130 may be a wired or wireless network. The network 130 may be, for example and without limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), LAN (Wireless LAN: WLAN), wide area network (Wide Area Network: WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (MAN), part of the Internet, public switched telephone network (Public) Switched Telephone Network: part of PSTN, mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (registered trademark), satellite Communication etc., or It may include two or more combinations of these. Network 130 may include one or more networks 130.

  The information processing device 200 may be any information processing device that can implement the functions and / or methods described in the present disclosure. The information processing apparatus 200 includes, but is not limited to, a smartphone, a mobile phone (feature phone), a computer (for example, but not limited to, a desktop, a laptop, and a tablet), a server device, and a media computer platform (for example, but not limited to). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computer devices (eg, but not limited to, PDA (Personal Digital Assistant), e-mail clients, etc.), wearable terminals (eg, but not limited to, glasses-type devices, Clock devices, etc.), other types of computers, or communication platforms.

<Hardware (HW) configuration>
The HW configuration of the information processing device 200 included in the communication system 1 will be described with reference to FIG.

  The information processing device 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. The components of the HW of the information processing device 200 are interconnected via a bus B, for example, but not limited to.

  The information processing device 200 realizes the functions and / or methods described in the present disclosure by cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205. I do.

  The processor 201 executes a function and / or a method realized by a code or an instruction included in a program stored in the storage 203. The processor 201 includes, for example and without limitation, a central processing unit (CPU), an MPU (Micro Processing Unit), a GPU (Graphics s Processing Unit), a microprocessor (microprocessor), a processor core, and a multiprocessor. ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and logic circuits (hardware) formed on integrated circuits (IC (Integrated Circuit) chips, LSI (Large Scale Integration)), etc. Each processing disclosed in each embodiment may be realized by a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and the plurality of processes described in each embodiment may be realized by one integrated circuit. Further, the LSI may be referred to as a VLSI, a super LSI, an ultra LSI, or the like, depending on the degree of integration.

  The memory 202 temporarily stores the program loaded from the storage 203 and provides a work area for the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 is executing the program. The memory 202 includes, for example, without limitation, a random access memory (RAM) and a read only memory (ROM).

  The storage 203 stores a program. The storage 203 includes, for example, without limitation, a hard disk drive (HDD), a solid state drive (SSD), and a flash memory.

  The communication I / F 205 sends and receives various data via the network 130. The communication may be performed by wire or wireless, and any communication protocol may be used as long as mutual communication can be performed. The communication I / F 205 has a function of executing communication with another information processing device via the network 130. The communication I / F 205 transmits various data to another information processing device according to an instruction from the processor 201. Further, the communication I / F 205 receives various data transmitted from another information processing apparatus and transmits the data to the processor 201.

  The input / output I / F 204 includes an input device that inputs various operations to the information processing device 200 and an output device that outputs a processing result processed by the information processing device 200. In the input / output I / F 204, an input device and an output device may be integrated, or may be separated into an input device and an output device.

  The input device is realized by any one of all types of devices capable of receiving input from a user and transmitting information related to the input to the processor 201, or a combination thereof. The input device includes, for example and without limitation, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input through an image), and a microphone (operation input by voice).

  The output device is realized by any one of all types of devices capable of outputting the processing result processed by the processor 201 or a combination thereof. When outputting the processing result as a video and / or a moving image, the output device is any one of all types of devices capable of displaying the display data according to the display data written to the frame buffer or It is realized by the combination. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (for example, but not limited to, a liquid crystal display, an OELD (Organic Electroluminescence Display)), a head mounted display (HDM), a projection mapping, and a hologram. And a device capable of displaying an image or text information in the air or the like (may be a vacuum), a speaker (audio output), a printer, and the like. Note that these output devices may be capable of displaying display data in 3D.

  The program according to each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium is capable of storing the program on a “temporary tangible medium”. The programs include, by way of example and not limitation, software programs and computer programs.

  The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs), such as, but not limited to, a field programmable gate array (FPGA), an application specific IC (ASIC), etc. ), Hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic It may include tape, solid state drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or a suitable combination of two or more thereof. A storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

  Further, the program of the present disclosure may be provided to information processing device 200 via any transmission medium (such as a communication network or broadcast wave) capable of transmitting the program. Further, each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave, in which a program is embodied by electronic transmission.

  Note that the program of the present disclosure includes, for example and without limitation, script languages such as ActionScript and Javascript (registered trademark), object-oriented programming languages such as Objective-C and Java (registered trademark), and markup languages such as HTML5. Implemented using

  At least a part of the processing in the information processing device 200 may be realized by cloud computing including one or more computers.

  At least part of the processing in the information processing device 200 may be performed by another information processing device. In this case, at least a part of the processing of each functional unit realized by the processor 201 may be performed by another information processing device.

<Others>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and a predetermined process is performed when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. May be.

  In this disclosure, “or” has the inclusive, rather than exclusive, meaning unless otherwise stated or indicated by context. Thus, in this disclosure, "A or B" means "A, B, or both," unless stated otherwise or indicated by context. Further, unless otherwise specified or indicated by context, "and" is intended to mean both joint and severe. Thus, as used herein, unless otherwise specified or indicated by context, “A and B” means “A and B, jointly or severally”. Further, unless otherwise specified or indicated by context, "a," "an," or "the" shall mean "one or more." Thus, as used herein, unless otherwise indicated or indicated by context, “an A” or “the A” means “one or more A”.

  The present disclosure encompasses all changes, substitutions, variations, alterations, and modifications that may occur to those skilled in the art, to the embodiments and / or examples of the present disclosure. Similarly, where appropriate, the appended claims cover all changes, substitutions, variations, alterations, and modifications that may occur to those skilled in the art for the embodiments and / or examples of the present disclosure. Include. Further, the present disclosure is intended to enable one of ordinary skill in the art to make one or more features of the embodiments and / or examples of the present disclosure and one or more of the other embodiments and / or examples of the present disclosure. And any combination with one or more features.

  Additionally, a device or system or a component of a device or system that is adapted, arranged, capable, configured, usable, operable, or operable to perform a particular function. Reference is made in the appended claims to the device, system, or component so adapted, arranged, capable, configured, enabled, enabled. As long as the device, system or component or its specific features are activated, turned on or unlocked, as long as the device, system or component is activated or operable.

  Hereinafter, embodiments according to an example of the present disclosure will be described with reference to the drawings. However, the embodiments described below are merely examples, and are not intended to exclude various modifications and application of techniques not explicitly described below. That is, an example of the present disclosure can be variously modified and implemented without departing from the spirit thereof. In the following description of the drawings, the same or similar parts are denoted by the same or similar reference numerals, and the drawings are schematic and do not always correspond to actual dimensions and ratios. Further, the drawings may include portions having different dimensional relationships and ratios between drawings.

<First embodiment>
The first embodiment is an embodiment showing an application example to a settlement service in which a user can settle payment in a commercial transaction by electronic money by online processing via a network 130 using a terminal 120.

  FIG. 3 is a schematic diagram schematically showing the outline of the configuration of the first embodiment. In the payment service, for example, a payment system 610 is configured by the information processing device 200 (the server 110 and the terminal 120). When the user selects payment by electronic money of the electronic value AC1 in the commercial transaction, the payment request (payment request) is transmitted from the user's terminal 120 to the server 110, and if the payment amount is within the balance of the electronic value AC1. Then, the settlement request is approved, and the payment processing and the update processing of the balance of the electronic value AC1 are performed. Further, in the first embodiment, when a predetermined condition is satisfied, the server 110 presents the user with a payment proposal to the electronic value AC1 and a payment proposal amount through the terminal 120. Then, when the user accepts the deposit proposal and the deposit proposal amount, the deposit proposal amount is withdrawn from the withdrawal account AC2 owned by the user based on the acceptance, and is deposited as electronic money into the electronic value AC1. .

  Here, examples of the electronic value AC1 include, but are not limited to, a dedicated or general-purpose electronic money card, an electronic money account associated with a user, and the like. The electronic money account is provided in the server 110, for example. Alternatively, it may be provided in the external system 140. The withdrawal account AC2 includes, for example, but is not limited to, an account for holding and managing funds (an account that is not directly used for electronic payment) and an external system 140 provided in the server 110 separately from the electronic value AC1. Examples include various accounts provided in a server to be operated. Examples of the various accounts include, but are not limited to, an account for holding and managing sales in a specific business transaction, an account for holding and managing points (money equivalent) usable in a specific service, and a cashing slot of a credit card (loan). (A possible amount of money), a financial institution such as a bank or a securities company, or a financial account that holds and manages, for example, deposits, operational funds, and assets held on virtual currency exchanges. As described above, the electronic value AC1 corresponds to an example of a “first account account” in the present disclosure, and the withdrawal account AC2 corresponds to an example of a “second account account” in the present disclosure.

  In the first embodiment, the proposed deposit amount is calculated so as to exceed an amount corresponding to a break-even point relating to a payment process from the withdrawal account AC2 to the electronic value AC1, and is presented to the user. As described above, usually, in the settlement service, a commission determined between the withdrawal source and the depositing side (operator of the electronic value AC1) occurs, and this commission is not particularly limited. , Or as a variable amount according to the service usage amount or the number of users. Further, even one user may use a plurality of withdrawal accounts AC2. Further, this fee may be different depending on the withdrawal source, even for the same depositing side. Therefore, for example, based on the commission set in this way, or the cost of adding the other expenses as needed, and the expected total number of payment processing executed by the payment service, the payment can be performed. A break-even point per transaction (per transaction from a deposit instruction or a deposit request to the completion of a deposit) can be estimated.

<Effect of First Embodiment>
According to the first embodiment, when the predetermined condition is satisfied, the user is proposed to pay the electronic value AC1 and the proposed amount of money is presented at that time. There is no need to check the balance at any time, and it is not necessary for the user to determine the deposit amount after studying by himself. Therefore, the user's operation and labor can be reduced, so that the convenience for the user can be improved. Further, as a result, smooth payment processing and commercial transactions can be realized. In addition, at this time, the amount of money exceeding the amount corresponding to the break-even point for the processing of deposit from the withdrawal account AC2 to the electronic value AC1 is calculated as the deposit proposal amount. In other words, since the deposit amount definitely exceeds the cost due to the commission, the profitability in operating the settlement service using the electronic value AC1 can be improved.

<Functional Configuration of First Embodiment>
The functional configuration of the server 110 and / or the terminal 120 will be described with reference to FIG. FIG. 4 is an example of a block diagram illustrating a functional configuration of the information processing apparatus according to the first embodiment, and is an overall schematic of a payment system 610 configured by the information processing apparatus 200 (the server 110 and the terminal 120). It is also a figure which shows a structure. The functional unit disclosed in FIG. 4 is realized by cooperation of a processor 201, a memory 202, a storage 203, an input / output I / F 204, and a communication I / F 205 included in the information processing apparatus 200. That is, the processor 201 of the information processing apparatus 200 illustrated in FIG. 2 loads various programs (control programs, arithmetic programs, and the like) stored in the storage 203 into the memory 202 (for example, RAM). Then, the processor 201 interprets and executes various programs developed in the memory 202 and controls each hardware component, so that a functional configuration described below is realized.

  Each function realized by the information processing apparatus 200 may be realized by a processor 201 such as a general-purpose CPU, or a part or all of the functions may be realized by one or more dedicated processors 201. Is also good. Furthermore, the functional configuration realized by the information processing device 200 may be omitted, replaced, or added as appropriate according to the embodiment or the example.

(1) Functional Configuration of Server The server 110 includes an input / output I / F 311, a communication I / F 312, a control unit 313, and a storage unit 314. The input / output I / F 311 corresponds to the input / output I / F 204 in FIG. 2, and the communication I / F 312 corresponds to the communication I / F 205 in FIG. The control unit 313 includes a settlement management unit 315, an account management unit 316, a deposit / withdrawal management unit 317, and a display management unit 318.

  In the server 110, the payment system program stored in the storage unit 314 is executed by the processor 201, whereby a payment system 610 for settingtle payment in a commercial transaction with electronic money is constructed. Further, the storage unit 314 stores information on the electronic value AC1 (first account account information J1), information J2 on the withdrawal account AC2 (second account account information), and various other information J3 for each user (user (Associated with information X).

  Here, the information relating to the electronic value AC1 (the first account account information J1) includes, but is not limited to, the current balance of electronic money and the deposit / withdrawal history (payment / withdrawal information such as deposit / withdrawal / location information). , And the expected amount of payment in the payment preparation stage. In addition, information J2 (second account account information) relating to the withdrawal account AC2 includes, for example and without limitation, various balances (spare funds, sales, points, credit card cashing allowances, deposits, operating funds, owned assets, and the like). ), Deposit / withdrawal history (payment / withdrawal information such as deposit amount, withdrawal amount, position information), scheduled withdrawal amount in the withdrawal preparation stage, and the like.

  Further, the various information J3 includes, for example and without limitation, transaction information in a commercial transaction (settlement information including store information, transaction time, payment amount, location information, environmental information, etc.), registration items by the user (user ID, contact information) Etc.), information on a specific user having a predetermined relationship with the user, information on a specific withdrawal account AC3 (electronic value, various accounts, etc.) described below held by the specific user, and various information necessary for processing executed by the settlement system 610. The information includes setting parameters, calculation parameters, operation logs in the settlement system 610, and the like. When the withdrawal account AC2 and a specific withdrawal account AC3, which will be described later, are provided in a server that operates the external system 140, for example, the server 110 transmits the withdrawal account from the external system 140 via the network 130. Information about AC2 and the specific withdrawal account AC3 can be acquired and stored in the storage unit 314.

  The settlement management unit 315 of the control unit 313 in the server 110 has a function of accepting a settlement request by a user, accepting settlement information related to payment in a commercial transaction by a user, processing related to settlement of a payment in a commercial transaction, and managing these. . The account management unit 316 also associates the electronic value AC1, the withdrawal account AC2, their account account information J1, J2, and the specific user with the user information X, notifies the associated information data to the user, It has a function of confirming the information J1, J2 and various information J3, processing of updating the balance of the electronic value AC1, the withdrawal account AC2, and the specific withdrawal account AC3, and has a function of managing them.

  Further, the deposit / withdrawal management unit 317 detects or determines a predetermined condition that is a trigger for proposing a deposit to the electronic value AC1 to the user, proposes a deposit to the user, and calculates a proposed deposit at that time. And presentation to the user, acceptance of a deposit request to the electronic value AC1, deposit to the electronic value AC1, withdrawal from the electronic value AC1 (at the time of payment settlement), withdrawal from the withdrawal account AC2, and the like. In addition, it has a function of managing them. The display management unit 318 performs processing related to creation of image data for displaying a user interface (UI) related to various processing by the payment system 610 on the input / output I / F 321 (output device) of the terminal 120, and management thereof. It has the function of performing The UI includes, for example and without limitation, first account account information J1, second account account information J2, an operation state of the user on the screen of terminal 120, and the like.

  As described above, the storage unit 314 corresponds to an example of the “balance storage unit” and the “information storage unit” in the present disclosure. Further, the payment management unit 315 corresponds to an example of the “specific user reception unit” in the present disclosure. Further, the account management unit 316 corresponds to an example of a “balance updating unit” in the present disclosure. The deposit / withdrawal management unit 317 corresponds to an example of a “payment suggestion unit”, a “calculation / presentation unit”, and a “payment / withdrawal processing unit” in the present disclosure. The display management unit 318 and the display processing unit 328 in the terminal 120 described below correspond to an example of a “first display unit” and a “second display unit”. The deposit / withdrawal management unit 317 and the instruction processing unit 327 in the terminal 120 described below correspond to an example of a “payment amount instruction unit” in the present disclosure.

(2) Functional Configuration of Terminal The terminal 120 includes an input / output I / F 321, a communication I / F 322, a control unit 323, and a storage unit 324. The input / output I / F 321 corresponds to the input / output I / F 204 in FIG. 2, and the communication I / F 322 corresponds to the communication I / F 205 in FIG. Further, the control unit 323 has a transaction management unit 325, an order processing unit 326, an instruction processing unit 327, and a display processing unit 328.

  In the terminal 120, the payment system application (program) stored in the storage unit 324 is executed by the processor 201, so that the user can access the payment system 610 and use the service.

  The transaction management unit 325 of the control unit 323 in the terminal 120 controls user input parameters necessary for various processes executed in the commercial transaction system and the settlement system 610, controls various setting processes and various arithmetic processes in the terminal 120, and the like. And a function of detecting or determining a predetermined condition serving as a trigger for proposing payment to the electronic value AC1 to the user. In addition, the order processing unit 326 has a function of performing a process related to an order in a commercial transaction by a user and transmitted to the server 110, and a process related to settlement such as a settlement request for a payment amount. Further, the instruction processing unit 327 has a function of performing a process related to an instruction by a user other than the purchase order and the settlement request to be transmitted to the server 110 (for example, an instruction to deposit the electronic value AC1). Further, the display processing unit 328 has a function of displaying a UI image in various settings and various processes of the payment system on the input / output I / F 321 (output device) of the terminal 120 based on the image data transmitted from the server 110. .

<Operation Processing of First Embodiment>
With reference to FIG. 5, processing of the settlement system 610 according to the present embodiment will be described. FIG. 5 illustrates an example of a sequence diagram of processing between the server 110 and the terminal 120 according to the present embodiment, and also illustrates an example of a processing procedure in the information processing method according to the present disclosure. Note that the processing procedure described below is merely an example, and each processing may be changed as much as possible within the scope of the technical idea of the present disclosure, and steps may be omitted, replaced, and added as appropriate. is there.

(Step S120)
First, in step S120, when the user activates the terminal 120 and executes a payment system application (program), a login screen to the payment system is displayed on the input / output I / F 321 of the terminal 120. In step S120, when the user inputs his / her login information from the input / output I / F 321 (input device), the instruction processing unit 327 transmits the information to the server 110. When the login information is correct, the settlement management unit 315 of the server 110 permits the user to log in, and transmits the image data of the initial screen generated by the display management unit 318 to the terminal 120. The display processing unit 328 of the terminal 120 displays an initial screen on the input / output I / F 321 (output device) based on the image data.

  Examples of the initial screen include, but are not limited to, specific screens prepared as defaults, various setting screens, portal site screens of commercial transaction systems and e-commerce, individual site screens thereof, information screens of electronic value AC1, An information screen of the withdrawal account AC2, a menu selection screen, a screen displayed by the user at the time of the last login, a custom screen by the user, and a screen combining these are exemplified. In addition, the user can perform a desired commercial transaction using an appropriate commercial transaction site or the like from the initial screen and subsequently settle the payment amount, or use an appropriate commercial transaction site. At the stage of payment settlement in a desired commercial transaction, a payment system application (program) may be executed to perform payment settlement.

(Steps S111, S121)
When the payment system application is executed on terminal 120, at least one of server 110 and terminal 120 determines whether a predetermined condition (trigger condition) for urging the user to deposit electronic value AC1 has occurred. Is detected or determined. For example, in step S111, the deposit / withdrawal management unit 317 of the server 110 detects the predetermined condition, and in step S121, the transaction management unit 325 of the terminal 120 detects the predetermined condition. When the transaction management unit 325 of the terminal 120 detects the predetermined condition, the control unit 323 of the terminal 120 transmits the detection signal to the server 110 (indicated by a broken arrow in FIG. 5). Further, an example of the “predetermined condition” will be described in detail in the first to fourth embodiments described later.

(Step S112)
When the occurrence of the predetermined condition is detected in at least one of steps S111 and S121, in step S112, the deposit / withdrawal management unit 317 of the server 110 simultaneously presents the suggestion to the user when depositing the electronic value AC1. The amount of the proposed deposit is calculated. Here, the proposed payment amount is calculated so as to exceed the amount corresponding to the breakeven point for the payment processing from the withdrawal account AC2 to the electronic value AC1.

  Normally, the payment processing to the electronic value AC1 used for the settlement service is performed between the withdrawal source (operator of the external system 140 holding the withdrawal account AC2) and the receiving side (operator of the electronic value AC1). Extreme fees are incurred. This fee is not particularly limited, but may be determined, for example, as a fixed amount for the service in a lump or as a variable amount depending on the amount of use of the service or the number of users. Therefore, for example, the electronic value AC1 is calculated based on a set fee, or a cost obtained by adding other costs to a fixed amount as necessary, and the expected total number of payment processing executed in the settlement service. Estimates the break-even point (per transaction from payment instruction or payment request to payment completion) for each payment process of, and calculates any amount exceeding the amount corresponding to the break-even point as the proposed payment amount it can. Note that the number of proposed payments to be calculated is not limited to one, and a plurality of proposed payments may be calculated.

(Step S113)
Next, in step S113, the deposit / withdrawal management unit 317 and the display management unit 318 of the server 110 present a calculated deposit proposal amount to propose a deposit to the electronic value AC1 to the user, and The user generates image data of a screen for instructing payment by accepting the payment proposal amount, and transmits the screen image data to the terminal 120. The display processing unit 328 of the terminal 120 displays a payment proposal screen on the input / output I / F 321 (output device) based on the image data. At this time, when there are a plurality of payment proposal amounts, a payment proposal screen can be displayed on which the user can select a desired payment proposal amount.

(Steps S122, S123)
In step S122, the user checks the payment proposal screen displayed on the terminal 120, and accepts (or selects and accepts) the payment proposal amount. In step S123, the instruction processing unit 327 of the terminal 120 accepts the payment proposal amount. A payment instruction is sent to the server 110 to pay out the proposed payment amount from the withdrawal account AC2 and to deposit it as electronic money into the electronic value AC1.

(Steps S114 and S115)
In step S114, the deposit / withdrawal management unit 317 of the server 110 withdraws the deposit proposal amount accepted by the user from the withdrawal account AC2 and deposits it into the electronic value AC1 based on the deposit instruction from the user. The account management unit 316 of the server 110 updates the balances of the electronic value AC1 and the withdrawal account AC2, and the storage unit 314 stores the updated balances in the first account information J1 and the second account information J2. To be stored. Then, in step S115, the account management unit 316 and the display management unit 318 of the server 110 notify the user of the completion of deposit / withdrawal and the updated balance of the electronic value AC1 and the withdrawal account AC2 to the user. The data is generated and transmitted to the terminal 120. The display processing unit 328 of the terminal 120 displays a balance notification screen on the input / output I / F 321 (output device) based on the image data, and ends the payment processing to the electronic value AC1.

  As described above, prior to the initial screen display in step S120 and in step S114, the process in which the storage unit 314 of the server 110 stores the first account account information J1 corresponds to the “step of storing the balance” in the present disclosure. This corresponds to an example. Further, the processing in steps S112 and S113 corresponds to an example of the "step of proposing a deposit" and the "step of calculating and presenting a proposed deposit amount" in the present disclosure. Further, the processing in step S114 corresponds to an example of the “step of depositing money into the first account account” and the “step of updating the balance” in the present disclosure.

<< 1st Example >>
The first example of the first embodiment is to detect or determine whether or not the condition (a1) has occurred as a predetermined condition (trigger condition) when proposing payment to the electronic value AC1 to the user. This is a working example. The condition (a1) may be, for example, but not limited to, whether or not the balance of the electronic value AC1 is equal to or less than a certain amount.

<< Effect of First Embodiment >>
According to the present embodiment, when the condition (a1) is satisfied as the predetermined condition, the user is proposed to deposit into the electronic value AC1 and the proposed deposit amount is presented at that time. As in the embodiment, the convenience of the user can be improved, and the profitability in operating the settlement service using the electronic value AC1 can be improved. Further, for example, by setting the condition (a1) that the balance of the electronic value AC1 is equal to or less than a certain amount, it is possible to prevent a shortage of the balance of the electronic value AC1 due to a shortage during a commercial transaction from being settled. This is a simple condition that can be easily prevented and easily confirmed by the user, so that the convenience for the user can be further improved.

<< Operation Processing of First Embodiment >>
FIG. 6 illustrates an example of a sequence diagram of processing between the server 110 and the terminal 120 according to the embodiment, and also illustrates an example of a processing procedure in the information processing method according to the present disclosure. As shown in FIG. 6, this embodiment uses the same apparatus configuration as that of the first embodiment except that the condition (a1) is detected or determined in steps S111 and S112, and the processing procedure shown in FIG. It can be executed by a procedure equivalent to.

  As described above, for example, assuming that the balance of the electronic value AC1 is equal to or less than a certain amount as the condition (a1), the certain amount may be an arbitrary amount set by the user, or may be a commercial transaction by the user. , And / or past payment information (payment amount) to the electronic value AC1. In the latter case, the fixed amount may be, for example, but not limited to, a minimum value, a central value, or a total amount of payments or deposits in the entire past period or a predetermined period (for example, the latest period, not limitation). The average value, the maximum value, or a value obtained by multiplying the average value or the maximum value by a constant coefficient, and the like are given.

<< 2nd Example >>
The second example of the first embodiment detects or determines whether or not a condition (a2) has occurred as a predetermined condition (trigger condition) for urging the user to deposit into the electronic value AC1. This is an example. The condition (a2) can be, for example, but not limited to, whether or not the payment amount in the commercial transaction exceeds a predetermined amount.

<< Effect of Second Embodiment >>
According to the present embodiment, when the condition (a2) is satisfied as the predetermined condition, the user is proposed to pay the electronic value AC1 and the proposed amount of payment is presented at that time. As in the embodiment, the convenience of the user can be improved, and the profitability in operating the settlement service using the electronic value AC1 can be improved. Further, for example, by setting the condition (a2) on the condition that the payment amount in the commercial transaction exceeds a predetermined amount, it is easy to prevent a situation in which the balance of the electronic value AC1 is insufficient at the time of the commercial transaction and the settlement cannot be performed. Therefore, the convenience for the user can be further improved.

<< Operation Process of Second Embodiment >>
As shown in FIG. 6, in the present embodiment, prior to steps S111 and S112, in step S124, the order processing unit 326 of the terminal 120 performs settlement of payment in a commercial transaction by the user with electronic money of the electronic value AC1. The first embodiment except that the request and the transaction information (payment information including the payment amount) are transmitted to the server 110, and that the condition (a2) is detected or determined in steps S111 and S112. It can be executed by using the same device configuration as that of FIG. 5 and by the same procedure as the processing procedure shown in FIG.

  As described above, as the condition (a2), for example, when the payment amount in the commercial transaction exceeds a predetermined amount, the predetermined amount may be an arbitrary amount set by the user, or may be the current amount. The balance of the electronic value AC1 may be used, or an amount obtained by multiplying the current balance of the electronic value AC1 by a predetermined coefficient may be used.

  Further, in the present embodiment, when the condition (a2) is detected, in step S112, the amount exceeds the amount corresponding to the breakeven point relating to the payment processing to the electronic value AC1, and for example, the electronic value AC1 after the payment is received. The proposed payment amount is calculated so that the balance exceeds the payment amount in the transaction information transmitted in step S124.

<<< 3rd Example >>>
The third example of the first embodiment detects or determines whether or not a condition (a3) has occurred as a predetermined condition (trigger condition) for urging the user to deposit into the electronic value AC1. This is an example. The condition (a3) can be, for example, but not limited to, whether or not a predetermined period has elapsed since the last payment to the electronic value AC1 or whether or not a predetermined event has occurred.

<< Effect of Third Embodiment >>
According to the present embodiment, when the condition (a3) is satisfied as the predetermined condition, the user is proposed to pay in the electronic value AC1 and the proposed amount of payment is presented at that time. As in the embodiment, the convenience of the user can be improved, and the profitability in operating the settlement service using the electronic value AC1 can be improved. Further, for example, by setting a condition (a3) that a predetermined period has elapsed since the last payment to the electronic value AC1 or that a predetermined event has occurred, the balance of the electronic value AC1 becomes insufficient at the time of commercial transaction. This makes it easier to prevent the payment from being made impossible, and the burden on the user to deposit can be averaged over time, so that the convenience for the user can be further improved.

<< Operation Process of Third Embodiment >>
As shown in FIG. 6, this embodiment uses the same apparatus configuration as the first embodiment except that the condition (a3) is detected or determined in steps S111 and S112, and the processing procedure shown in FIG. It can be executed by a procedure equivalent to.

  As described above, for example, when the predetermined period has elapsed since the previous deposit into the electronic value AC1 or when the predetermined event has occurred, as the condition (a3), the predetermined period or the predetermined event is used. Examples include, but are not limited to, a designated date of each month by a user, a salary or bonus payment date of the user, a time of starting an application for a payment system, and the like.

<< 4th Example >>
The fourth example of the first embodiment is an example in which the proposed payment amount to the electronic value AC1 presented to the user is calculated so as to be equal to or more than the amount required by the user.

<< Effect of Fourth Embodiment >>
According to the present embodiment, when the predetermined condition is satisfied, the user is proposed to pay in the electronic value AC1, and at that time, the proposed payment amount is presented. Therefore, the convenience of the user can be improved, and the profitability in operating the settlement service using the electronic value AC1 can be improved. In addition, by presenting a payment presentation amount equal to or greater than the amount required by the user, it becomes easier to respond to the user's needs, so that the user's convenience can be further improved.

<< Operation Processing of Fourth Embodiment >>
The present embodiment is different from the embodiment in that in step S112, the proposed deposit amount is calculated so as to exceed the amount corresponding to the break-even point for the processing of depositing the electronic value AC1 and to exceed the amount required by the user. Can be executed by using the same apparatus configuration as that of the first embodiment, and by the same procedure as the processing procedure shown in FIGS.

  Here, the amount required by the user is not limited, but may be, for example, an amount equal to or more than the shortage of the balance of the electronic value AC1 with respect to the payment amount at the time of executing the commercial transaction. It can be determined based on at least one of past transaction information (payment information including a payment amount, etc.) in a commercial transaction by a user and past payment information (payment amount) to the electronic value AC1. In this case, as an example and not by way of limitation, the minimum, center, average, maximum, or fixed value of the amount of payment or deposit per one time during the entire past period or a predetermined period (the latest period). A value multiplied by a coefficient or the like can be used as the amount required by the user.

<Second embodiment>
The second embodiment is an embodiment showing an application example to a payment service in which a user can settle payment in a commercial transaction by electronic money by online processing via a network 130 using a terminal 120.

  FIG. 7 is a schematic diagram schematically showing the outline of the configuration of the second embodiment. In the payment service, for example, a payment system 610 is configured by the information processing device 200 (the server 110 and the terminal 120). When the user selects payment by electronic money of the electronic value AC1 in the commercial transaction, the payment request (payment request) is transmitted from the user's terminal 120 to the server 110, and if the payment amount is within the balance of the electronic value AC1. Then, the settlement request is approved, and the payment processing and the update processing of the balance of the electronic value AC1 are performed.

  Further, in the second embodiment, when the balance of the electronic value AC1 is insufficient for the payment amount in the commercial transaction, the server 110 proposes (prompts) the user to deposit the electronic value AC1 through the terminal 120 through the terminal 120. . At this time, if the balance of the withdrawal account AC2 of the user is insufficient for the payment amount, the user can select a specific user having a predetermined relationship and request a deposit to his / her electronic value AC1. . Then, when the specified specific user approves the payment request and the payment request amount, the payment request amount is withdrawn from the specific withdrawal account AC3 owned by the specific user based on the approval, and sent to the electronic value AC1. Deposited as electronic money.

  Here, examples of the electronic value AC1 include, but are not limited to, a dedicated or general-purpose electronic money card, an electronic money account associated with a user, and the like. The electronic money account is provided in the server 110, for example. Alternatively, it may be provided in the external system 140. In addition, the specific withdrawal account AC3 is not limited and includes, for example, an electronic value of a specific user, various accounts held by the specific user, and the like. Examples of the various accounts include, but are not limited to, an account for holding and managing sales in a specific business transaction, an account for holding and managing points (money equivalent) usable in a specific service, and a cashing slot of a credit card (loan). (A possible amount of money), a financial institution such as a bank or a securities company, or a financial account that holds and manages, for example, deposits, operational funds, and assets held on virtual currency exchanges. As described above, the electronic value AC1 corresponds to an example of a “first account account” in the present disclosure, and the specific withdrawal account AC3 corresponds to an example of a “third account account” in the present disclosure.

  The “predetermined relationship” means that the server 110 stores a predetermined relationship between two or more users. By way of example and not limitation, the predetermined relationship may be a relationship that has mutually approved a relationship building, a relationship that has at least one applied for a relationship building, a relationship that is built based on user information, a relationship that is built based on user behavior, a predetermined condition. May be included in a state where the relationship has been established by satisfying. The relationship constructed based on the user information may include a relationship in which users having one or more pieces of the same or similar user information are related to each other, and the relationship constructed based on the user behavior may be one or more. May include a relationship in which users having the same or similar user behavior are associated with each other. Further, the user having a predetermined relationship with the user is not limited, and may be, for example, all users having a predetermined relationship with the user, a predetermined number of users, or a user having a predetermined degree of intimacy. May be a user of a degree or more.

<Effect of Second Embodiment>
According to the second embodiment, even when the balance of the withdrawal account AC2, which is the account of the withdrawal source to the electronic value AC1 of the user, is insufficient for the amount of payment in the commercial transaction, the user does not A specific user having a predetermined relationship with the user can be selected, and the specific user can be requested to deposit a payment request amount equal to or more than the shortfall with respect to the payment amount. Then, when the specific user accepts the payment request and the payment request amount, the shortage of the payment amount is paid to the user's electronic value AC1. As described above, the payment to the electronic value AC1 for the shortage of the payment amount can be performed by the specific user on behalf of the user, so that the user does not need to perform an operation of depositing the money in the withdrawal account AC2. As a result, the payment amount can be settled in a timely and prompt manner, so that the convenience of the user can be improved and smooth payment processing and commercial transactions can be realized. In addition, since a user having a predetermined relationship with the user is selected as the specific user, there is an advantage that the user can easily request a payment agency. As a result, a specific user can be selected in a short time, and a commercial transaction can be performed quickly and smoothly.

<Functional Configuration of Second Embodiment>
(1) Functional Configuration of Server The functional configuration of the server 110 according to the second embodiment is the same as the functional configuration of the server 110 according to the first embodiment, and a detailed description thereof will be omitted.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the second embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and a detailed description thereof will be omitted.

<Operation Processing of Second Embodiment>
With reference to FIG. 8, the processing of the settlement system 610 according to the present embodiment will be described. FIG. 8 illustrates an example of a sequence diagram of processing between the server 110 and the terminal 120 (the user terminal 120A and the specific user terminal 120B) according to the present embodiment, and illustrates a processing procedure in the information processing method according to the present disclosure. It is also a figure showing an example. Note that the processing procedure described below is merely an example, and each processing may be changed as much as possible within the scope of the technical idea of the present disclosure, and steps may be omitted, replaced, and added as appropriate. is there.

(Step S220)
First, a user executes a payment system application (program). Note that the processing in step S220 is the same as the processing in step S120 described with reference to FIG. 5 in the first embodiment, and a detailed description thereof will not be repeated.

(Step S221)
In step S221, when the user instructs the payment for performing the payment in the desired commercial transaction using the electronic money of the electronic value AC1, the order processing unit 326 of the terminal 120A transmits the payment request for the payment and the transaction information (the payment amount and the like). Is transmitted to the server 110.

(Step S210, Step S211)
In step S210, the payment management unit 315 and the account management unit 316 of the server 110 that has received the payment request confirm the balance of the electronic value AC1 and compare the balance with the payment amount. When the balance of the electronic value AC1 is insufficient for the payment amount, in step S211, the settlement management unit 315, the deposit / withdrawal management unit 317, and the display management unit 318 of the server 110 approve the settlement request by the user. The user is notified of the inability to do so (rejection notification), and a screen for proposing payment to the user for the electronic value AC1 and image data of a payment input screen are generated and transmitted to the terminal 120A. The display processing unit 328 of the terminal 120A displays, on the input / output I / F 321 (output device), a rejection notification, a payment proposal, and a payment input setting screen based on the image data.

(Steps S222, S223)
Next, in step S222, when the user inputs and sets a desired deposit amount by, for example, comparing the balance of the electronic value AC1 and the payment amount, and instructs the deposit from the withdrawal account AC2 to the electronic value AC1, in step S223, The instruction processing unit 327 of the terminal 120A transmits the payment request to the server 110.

(Steps S212 and S213)
In step S212, the account management unit 316 of the server 110 that has received the payment request checks the balance of the payment account AC2, and compares the balance with the payment request amount. If the balance of the withdrawal account AC2 is insufficient for the deposit request amount, in step S213, the deposit / withdrawal management unit 317 and the display management unit 318 of the server 110 notify the user that the deposit request by the user cannot be accepted. (Rejection notification), and generates image data of a screen for selecting a specific user who requests payment on behalf of the electronic value AC1 (lending of the requested payment amount to the user), and transmits the screen image data to the terminal 120A. Based on the image data, the display processing unit 328 of the terminal 120A notifies the input / output I / F 321 (output device) of rejection, and displays a specific user having a predetermined relationship with the user, such as a candidate list display and a specific user selection screen. Is displayed.

(Step S224)
Next, in step S224, when the user selects a specific user who requests payment transfer to the electronic value AC1 and instructs a payment request to the user's electronic value AC1 from the specific withdrawal account AC3 of the specific user, step S225 is performed. In, the instruction processing unit 327 of the terminal 120A transmits the payment request to the server 110. Note that the specific user may be automatically or randomly (randomly) automatically selected by the control unit 313 of the server 110 or the control unit 323 of the terminal 120. Only one specific user may be selected. It may be a person.

(Step S214)
Then, in step S214, the account management unit 316, the deposit / withdrawal management unit 317, and the display management unit 318 of the server 110 that has received the deposit request are for presenting the deposit request from the user and the deposit request amount to the specific user. And the image data of a screen on which the specific user accepts the deposit request and the deposit request amount and instructs the deposit, and transmits the image data to the terminal 120B. The display processing unit 328 of the terminal 120B displays a payment request screen on the input / output I / F 321 (output device) based on the image data.

(Steps S230, S231)
In step S230, the specific user checks the deposit request screen displayed on the terminal 120B, and accepts the deposit request amount. In step S231, the instruction processing unit 327 of the terminal 120B sets the deposit request and the deposit request amount from the user. Is notified by the specific user (acceptance notification), and a payment instruction is sent to the server 110 to withdraw the accepted payment request amount from the specific withdrawal account AC3 and deposit it into the electronic value AC1 as electronic money. .

(Steps S215 and S216)
In step S215, the deposit and withdrawal management unit 317 of the server 110 withdraws the deposit request amount accepted by the specific user from the specific withdrawal account AC3 and deposits it into the electronic value AC1 based on a deposit instruction from the specific user. The account management unit 316 of the server 110 updates the balances of the electronic value AC1 and the specific withdrawal account AC3, and the storage unit 314 stores the updated balances as first account account information J1 and various information J3. I do. Then, in step S216, the account management unit 316 and the display management unit 318 of the server 110 notify the user and the specific user of the completion of the deposit and withdrawal and the updated balances of the electronic value AC1 and the specific withdrawal account AC3, respectively. It generates image data of a screen to be performed and transmits the generated image data to the terminals 120A and 120B. Each of the display processing units 328 of the terminals 120A and 120B displays a balance notification screen on the input / output I / F 321 (output device) based on the image data, and ends the payment processing to the electronic value AC1. After that, the process of step S210 is executed again, and the settlement request of the payment amount from the user and the transaction information (payment information including the payment amount) are transmitted to the server 110, and the approval procedure can be continued. .

  As described above, prior to the initial screen display in step S220 and in step S215, the process in which the storage unit 314 of the server 110 stores the first account account information J1 corresponds to the “step of storing the balance” in the present disclosure. This corresponds to an example. Further, the processing in step S211 corresponds to an example of the “step of proposing payment” in the present disclosure. Further, the processing in steps S224 and S225 corresponds to an example of “a step of receiving a deposit request and a deposit request amount” in the present disclosure. Further, the processing in step S215 corresponds to an example of a “step of depositing money into the first account account” and a “step of updating the balance” in the present disclosure. In addition, the user can repay the deposit borrowed from the specific user from the balance of the appropriate account account associated with the user to, for example, the specific withdrawal account of the specific user.

<< 1st Example >>
The first example of the second embodiment is an example in which the predetermined relationship between the user and the specific user is a family relationship with the user or a friendship with the user, that is, the user is a payment agent for the electronic value AC1. In this example, the specific user who can request the user is limited to the user's family, the user's friend, or the user who has lent and borrowed before. Examples of the user's friend include, but are not limited to, a friend user in the SNS described above, a friend user registered in a contact book or a phone book stored in the user's terminal 120, and the like.

<< Effect of First Embodiment >>
According to the present embodiment, since a specific user can be selected from the user's family, the user's friends, or the user who has already lent and borrowed before, the user can make a request for a payment agent (that is, an offer for borrowing). Further, it becomes easier to select the specific user in a short time, and it is possible to increase the possibility of obtaining the acceptance of the payment request. As a result, payment to the electronic value AC1 and commercial transactions can be performed more quickly, and the convenience for the user can be further improved.

<< Operation Processing of First Embodiment >>
In the present embodiment, in step S213, the deposit / withdrawal management unit 317 and the display management unit 318 of the server 110 display, for example, a family of the user, a user, Generating image data of a screen including a list of users who previously borrowed and borrowed the same, and transmitting the generated image data to the terminal 120A. In step S224, the user can select a specific user from the user list. Other than the above, an apparatus configuration similar to that of the first embodiment can be used, and the processing can be executed by a procedure equivalent to the processing procedure shown in FIG.

<< 2nd Example >>
In the second example of the second embodiment, when the user selects a specific user having a family relationship with the user, information on the specific withdrawal account AC3 including the balance of the specific withdrawal account AC3 of the specific user Is displayed on the terminal 120A so that the user can browse. More specifically, there is a mode in which the user and the specific user are in a parent-child relationship, and the parent user can browse the balance of the specific withdrawal account AC3 associated with the child account as the specific user. Can be

<< Effect of Second Embodiment >>
According to the present embodiment, since the family of the user is selected as the specific user, the user has a high tolerance or degree of freedom when browsing the account information including the balance of the specific withdrawal account AC3 of the specific user, and the user has the specific withdrawal. There is an advantage that it is easy to browse the balance of the account AC3. Therefore, since it is possible to make a payment request after confirming that the balance of the specific withdrawal account AC3 exceeds the required amount, payment to the electronic value AC1 can be executed reliably and more quickly, Thereby, the commercial transaction can be performed surely and more quickly, and the convenience for the user can be further improved.

<< Operation Process of Second Embodiment >>
In the present embodiment, in step S213, the deposit / withdrawal management unit 317 and the display management unit 318 of the server 110 display a screen as a screen for selecting a specific user who requests payment on behalf of the electronic value AC1 as a user who is a family of the user. Generating image data of the screen including the list and transmitting the image data to the terminal 120A; and in step S224, the user can select a specific user from the user list, and the balance of the specific withdrawal account AC3 of the specific user. Except for a configuration that allows browsing, etc., it is possible to use the same apparatus configuration as that of the first embodiment and execute the same procedure as the processing procedure shown in FIG. In this case, in step S213, the account management unit 316 of the server 110 extracts information on the specific withdrawal account AC3 of the specific user from the various information J3 stored in the storage unit 314, and The display management unit 318 can be configured to generate image data of a screen for displaying the balance of the specific withdrawal account AC3 based on the extracted information and transmit the image data to the terminal 120A.

<<< 3rd Example >>>
In the first embodiment shown in FIG. 8 and the first and second examples, the user presents a deposit request and a deposit request amount to a specific user, and deposits from the specific withdrawal account AC3 to the electronic value AC1. For each process, the specific user has received the payment request and the consent of the payment request amount. On the other hand, in the third example of the second embodiment, prior to the payment processing based on the user's request for payment and the presentation of the payment request amount to the specific user, the specific user inputs the payment request and the payment request amount by the user. This is an embodiment in which prior consent has been obtained in advance, that is, comprehensive consent has been obtained in advance. Accordingly, when a user makes a payment request to a specific user, the payment processing from the specific withdrawal account AC3 to the electronic value AC1 is automatically performed without obtaining the consent of the specific user for each payment request. Done.

<< Effect of Third Embodiment >>
According to the present embodiment, the specific user is given a consent to the user's request for a deposit from the specific withdrawal account AC3 to the electronic value AC1 and the amount of the deposit request (whether there is a limit or not, and an upper limit when there is a limit). By acquiring the information in advance, it is possible to quickly perform a deposit process from the specific withdrawal account AC3 to the electronic value AC1 without obtaining the consent of the specific user each time a deposit request from the user occurs. As a result, the processing time required for the deposit processing can be shortened, and the commercial transaction can be performed more smoothly, so that the stress of the user and the specific user can be reduced, and the desired transaction can be performed more timely by the user. And the convenience of the user can be further improved. In this case, the operation of the user can be further simplified, and as a result, the load on the information processing terminal can be reduced.

<< Operation Process of Third Embodiment >>
FIG. 9 illustrates an example of a sequence diagram of processing between the server 110 and the terminal 120 according to the embodiment, and also illustrates an example of a processing procedure in the information processing method according to the present disclosure. As shown in FIG. 9, in the present embodiment, steps S226, S217, S232, and S233 are executed at an appropriate timing before settlement of payment in a commercial transaction by a user, and steps S214, S230, and S231 are executed. Except for not doing so, an apparatus configuration similar to that of the first embodiment can be used and executed by a procedure equivalent to the processing procedure shown in FIG.

  Here, first, for example, when an account management setting menu is selected from various setting menus on the initial screen after the application for the settlement system is activated in step S220, the account management unit 316 and the display management unit 318 of the server 110 are selected. Generates the image data of the account management setting menu and transmits it to the user terminal 120A. Based on the image data, the display processing unit 328 of the terminal 120A provides a comprehensive selection of a specific user, a specific user's specific payment account AC3 to the user's electronic value AC1 to an input / output I / F 321 (output device). An account management setting screen is displayed for inputting an instruction for a request for an advance payment request and an acceptance request for a payment request amount (upper limit or unlimited).

  Then, in step S226, when the user selects a specific user on the account management setting screen and inputs a deposit request to the specific user and a prior approval request of the deposit request amount, the instruction processing unit 327 of the terminal 120A performs A pre-consent request is sent to server 110. Subsequently, in step S217, the deposit / withdrawal management unit 317 and the display management unit 318 of the server 110 that have received those requests make a deposit request from the specific withdrawal account AC3 to the user's electronic value AC1 and a prior consent of the deposit request amount. Is generated and transmitted to the terminal 120B of the selected specific user. The display processing unit 328 of the terminal 120B displays an input screen for approval / disapproval of prior consent on the input / output I / F 321 (output device) based on the image data. In this case, more specifically, the screen display can include a text such as "Do you accept automatically when a friend (user ID or user name) makes a payment request?" .

  Next, in step S232, the specific user confirms the input screen of permission / prohibition of permission displayed on the terminal 120B, and if the user accepts the prior permission, in step S233, the instruction processing unit 327 of the terminal 120B issues a payment request from the user. And a notice that the specific user has previously accepted the deposit request amount (acceptance notice).

  In a case where the initial setting for which the prior approval of the payment processing has been made is registered, in step S215 shown in FIG. 9, the payment management unit 317 of the server 110 determines the payment related to the payment processing from the user terminal 120A in step S225. Each time the request is made, the requested payment amount from the user is output from the specified withdrawal account AC3 without obtaining the payment request and the consent of the requested payment amount to the specific user (that is, without executing steps S214, S230, and S231). Make money and deposit it into the electronic value AC1.

<< 4th Example >>
In the fourth example of the second embodiment, the specific users that can be selected by the user are limited to those specific to the user who are located close to the user at the time of the selection, and the users who can accept the deposit request by the specific user are limited. This is an embodiment in which, at the time of the consent, only users who are in the vicinity of the specific user are limited.

<< Effect of Fourth Embodiment >>
According to the present embodiment, since the user and the selected specific user are close to each other in position, there is an advantage that the user and the specific user can easily communicate directly with each other. Through the communication, it becomes easy for the user to attach the prior consent of the payment processing to the specific user. As a result, it is possible to smoothly execute the payment processing and eventually the commercial transaction, and it is possible to further improve the convenience for the user.

<< Operation Processing of Fourth Embodiment >>
In the present embodiment, in step S213, the deposit / withdrawal management unit 317 and the display management unit 318 of the server 110 display a screen for selecting a specific user who requests payment on behalf of the electronic value AC1. Generating image data of a screen including a user list in the vicinity of the user and transmitting the image data to the terminal 120A; configuring in step S224 such that the user can select a specific user from the user list; When the user makes a deposit request, the step S214 is executed and the deposit request is transmitted to the target specific user only when the user is located near the target specific user at that time. Except for this configuration, the same apparatus configuration as that of the first embodiment is used, and the processing procedure shown in FIGS. It can be performed by the procedure. Note that the positional relationship between the user and the specific user can be obtained based on the position information of the terminals 120A and 120B and information by short-range wireless communication.

<<< 5th Example >>>
The fifth example of the second embodiment limits specific users that can be selected by the user to specific users having a certain degree of intimacy with the user, and designates users who can accept the payment request as specific users. This is an example in which the user is limited to users having a certain degree of intimacy.

Here, the “intimacy” between the user and the specific user is not limited, and may be, for example, at least one of the following (b1) to (b6).
(B1) Message transmission / reception amount in a predetermined period (b2) Elapsed period since a predetermined relationship was established (b3) Temporal and spatial relationship (b4) Number of common friends (b5) Degree of communication with common friends (B6) Similarity degree of attribute

  That is, the “intimacy” may be a predetermined period (a fixed period such as one month or two months, or a period from when a predetermined relationship is established to the present), as described in (b1) above. May be determined so that the degree of intimacy increases in the descending order of the amount of transmission / reception of messages transmitted / received to / from the user. Alternatively, the degree may be determined so that the degree of intimacy increases in descending order of the number of transactions (including purchase and sale of goods, exchange of assets, exchange of money, and the like) performed between users within a predetermined period. The message transmission / reception amount or the number of transactions may be an absolute value or a relative value among one or more users having a predetermined relationship with the user.

  The “intimacy” may be a degree determined such that the intimacy increases as the length of the period from the establishment of the predetermined relationship to the current time increases, as in (b2) above. . The length of the period from the establishment of the predetermined relationship to the present may be an absolute value or a relative value among one or more users having a predetermined relationship with the user.

  Further, “intimacy” refers to, as described in (b3) above, for a plurality of other users having a predetermined relationship with the user, the longer the length of time during which the other user is within a predetermined range from the position of the user, Alternatively, the degree may be determined so that intimacy is increased. Intimacy refers to a relationship estimated for a plurality of users having a predetermined relationship with a user based on a period from when the predetermined relationship is established to the present and the position information of each user (for example, a family relationship). The degree of intimacy may be determined so that the higher the degree of intimacy, the higher the degree of intimacy.

  Further, the “intimacy” means that, as described in (b4) above, for a plurality of other users having a predetermined relationship with the user, the intimacy increases as the number of users common to the user (the number of common friends) increases. The degree may be determined to be higher. The number of friends may be, for example, the number of friends on the SNS, the number registered in the contact book, or the like, without limitation. The number of friends may be an absolute value or a relative value among one or more users having a predetermined relationship with the user.

  Further, the “intimacy” refers to the larger the number of users who have a predetermined relationship with the user itself among the users who have established a predetermined relationship with the user who is communicating with the user, as described in (b5) above. The degree may be determined so as to increase the intimacy.

  Further, the “intimacy” means that the higher the degree of similarity between the user's own attribute and each attribute of a plurality of users having a predetermined relationship with the user, the higher the intimacy, as in (b6) above. May be determined as described above. The attribute of the user may be, for example, but not limited to, a hobby, interest, or interest registered or set in SNS or the like.

<< Effect of Fifth Embodiment >>
According to the present embodiment, it is possible to select a specific user who has high intimacy with the user, so that it becomes easier for the user to make a request for a depositing agent, thereby making it possible to select a specific user in a short time. In addition, it is possible to increase the possibility of obtaining acceptance of the deposit request. As a result, payment and commercial transactions to the electronic value AC1 can be performed more quickly and smoothly, and the convenience for the user can be further improved.

<< Operation Process of Fifth Embodiment >>
In the present embodiment, in step S213, the deposit / withdrawal management unit 317 and the display management unit 318 of the server 110 display a screen for selecting a specific user who requests payment on behalf of the electronic value AC1 with the user and a certain parent or higher. The first embodiment except that the image data of the screen including the user list having the density is generated and transmitted to the terminal 120A, and that the user is allowed to select a specific user from the user list in step S224. The apparatus can be executed by using the same device configuration as that of FIG.

<Third embodiment>
The third embodiment is an embodiment showing an application example to a payment service in which a user can settle payment in a commercial transaction by electronic money using a terminal 120 and online processing via a network 130. In the third embodiment, as in the first embodiment (see FIG. 3), for example, a payment system 610 is constructed by the information processing device 200 (the server 110 and the terminal 120). When the user selects payment by electronic money of the electronic value AC1 in the commercial transaction, the payment request (payment request) is transmitted from the user's terminal 120 to the server 110, and if the payment amount is within the balance of the electronic value AC1. Then, the settlement request is approved, and the payment processing and the update processing of the balance of the electronic value AC1 are performed.

  Further, in the third embodiment, for example, when the balance of the electronic value AC1 is insufficient for the payment amount in the commercial transaction by the user, the server 110 supplies the user with a payment proposal to the electronic value AC1 through the terminal 120 and receives the payment. A suggested amount is presented. Then, when the user accepts the deposit proposal and the deposit proposal amount, the deposit proposal amount is withdrawn from the withdrawal account AC2 owned by the user based on the acceptance, and is deposited as electronic money into the electronic value AC1. . Alternatively, the user can appropriately adjust the presented deposit proposal amount. When the adjusted amount is determined as the designated deposit amount, the designated deposit amount is withdrawn from the withdrawal account AC2 owned by the user. Then, the electronic value AC1 is deposited as electronic money.

  In the third embodiment, the proposed deposit amount is based on at least one of a history of past transaction information (payment information including a payment amount or the like) in a commercial transaction by the user and a history of past deposit information to the electronic value AC1. Calculated and presented to the user. In this case, for example, an appropriate amount within the range of the past payment amount or the range of the past payment amount can be determined as the payment proposal amount.

<Effect of Third Embodiment>
According to the third embodiment, since the user is proposed to pay the electronic value AC1 and the proposed amount of payment is presented at that time, the user does not need to check the balance of the electronic value at any time. By accepting the proposed deposit amount, it is not necessary for the user to determine the deposit amount after studying by himself. Therefore, the user's labor can be reduced and a simple deposit operation can be performed, so that the user's convenience can be improved. In addition, even when the user decides the designated deposit amount, the user merely performs an operation of adjusting the proposed deposit amount based on the presented proposed deposit amount, so the user examines and decides the deposited amount from the beginning. This makes it possible to realize a simple deposit operation with reduced labor compared to the case of performing the operation. Therefore, even in this case, the convenience for the user can be improved. As a result, smooth payment processing and commercial transactions can be realized. In addition, since the payment proposal amount presented to the user is calculated based on at least one of past transaction information in the commercial transaction by the user and past payment information to the electronic value AC1, an appropriate payment amount for the user is calculated. A suggestion can be made and deposited in the electronic value AC1.

<Functional Configuration of Third Embodiment>
(1) Functional Configuration of Server The functional configuration of the server 110 according to the third embodiment is equivalent to the functional configuration of the server 110 according to the first embodiment, and a detailed description thereof will be omitted.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the third embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and a detailed description thereof will be omitted.

<Operation Processing of Third Embodiment>
With reference to FIG. 10, the processing of the settlement system 610 according to the present embodiment will be described. FIG. 10 illustrates an example of a sequence diagram of processing between the server 110 and the terminal 120 according to the present embodiment, and also illustrates an example of a processing procedure in the information processing method according to the present disclosure. Note that the processing procedure described below is merely an example, and each processing may be changed as much as possible within the scope of the technical idea of the present disclosure, and steps may be omitted, replaced, and added as appropriate. is there.

(Step S320)
First, a user executes a payment system application (program). Note that the processing in step S320 is the same as the processing in step S120 described with reference to FIG. 5 in the first embodiment, and a detailed description thereof will not be repeated.

(Steps S321 and S310)
In step S221, the transaction management unit 325 of the terminal 120 transmits transaction information (settlement information including store information, transaction time, payment amount, location information, environmental information, etc.) to the server 110 for each commercial transaction. Each transaction information is stored as a part of the various information J3 in the storage unit 314 of the server 110 in step S310 in association with the user ID. In step S310, for each deposit to the electronic value AC1, the deposit information (deposit amount, position information, etc.) is stored in the storage unit 314 of the server 110 in a part of the first account account information J1 in association with the user ID. It is stored as.

(Step S322)
On the other hand, in step S322, when the user instructs the payment for performing the desired commercial transaction with the electronic money of the electronic value AC1, the order processing unit 326 of the terminal 120 transmits the payment request for the payment and the transaction information (the payment amount). (Settlement information including such information) is transmitted to the server 110.

(Steps S311 and S312)
In step S311, the payment management unit 315 and the account management unit 316 of the server 110 that has received the payment request confirm the balance of the electronic value AC1, and compare the balance with the payment amount. When the balance of the electronic value AC1 is insufficient for the payment amount, in step S312, the deposit / withdrawal management unit 317 of the server 110 simultaneously presents the suggestion to the user with the electronic value AC1. The amount of the proposed deposit is calculated.

  Here, the deposit proposal amount is calculated based on at least one of past transaction information (payment amount) in commercial transactions by the user and past deposit information (payment amount) to the electronic value AC1. More specifically, the proposed deposit amount is not limited, and may be, for example, a minimum value, a central value, or an average value per payment amount or a deposit amount during the entire past period or a predetermined period (the latest period). , A weighted average value, a maximum value, or a value obtained by multiplying them by a certain coefficient. Note that the number of proposed payments to be calculated is not limited to one, and a plurality of proposed payments may be calculated. As a matter of course, the proposed payment amount calculated by the above-described first embodiment or the second embodiment may be applied to the proposed payment amount of the third embodiment.

(Step S313)
Next, in step S313, the deposit / withdrawal management unit 317 and the display management unit 318 of the server 110 present the calculated deposit proposal amount to propose a deposit to the electronic value AC1 to the user, and The user generates image data of a screen for instructing payment by accepting the payment proposal amount, and transmits the screen image data to the terminal 120. The display processing unit 328 of the terminal 120 displays a payment proposal screen on the input / output I / F 321 (output device) based on the image data. At this time, when there are a plurality of payment proposal amounts, a payment proposal screen can be displayed on which the user can select a desired payment proposal amount.

(Steps S323 and S324)
In step S323, the user checks the payment proposal screen displayed on the terminal 120, and accepts (or selects and accepts) the payment proposal amount, or appropriately adjusts the presented payment proposal amount, and adjusts the adjusted payment amount. Is determined as the designated deposit amount, in step S324, the instruction processing unit 327 of the terminal 120 withdraws the accepted proposed deposit amount or the determined designated designated amount from the withdrawal account AC2 and sends the electronic money to the electronic value AC1. Is transmitted to the server 110.

(Steps S314 and S315)
In step S314, the deposit / withdrawal management unit 317 of the server 110 withdraws the deposit proposal amount accepted by the user or the designated deposit amount determined by the user from the deposit account AC2 based on the deposit instruction from the user, and outputs the electronic value. Deposit to AC1. The account management unit 316 of the server 110 updates the balances of the electronic value AC1 and the withdrawal account AC2, and the storage unit 314 stores the updated balances in the first account information J1 and the second account information J2. To be stored. Then, in step S315, the account management unit 316 and the display management unit 318 of the server 110 notify the user of the completion of the deposit and withdrawal and the updated balance of the electronic value AC1 and the withdrawal account AC2 to the user. The data is generated and transmitted to the terminal 120. The display processing unit 328 of the terminal 120 displays a balance notification screen on the input / output I / F 321 (output device) based on the image data, and ends the payment processing to the electronic value AC1.

  As described above, prior to the initial screen display in step S320, and in step S314, the process in which the storage unit 314 of the server 110 stores the first account account information J1 corresponds to the “step of storing the balance” in the present disclosure. This corresponds to an example. Further, the processing in step S310 corresponds to an example of “step of storing transaction information and payment information” in the present disclosure. Further, the processing in steps S312 and S313 corresponds to an example of the “step of proposing a deposit” and the “step of calculating and presenting a proposed deposit amount” in the present disclosure. Further, the processing in step S314 corresponds to an example of the “step of depositing money into the first account account” and the “step of updating the balance” in the present disclosure.

<< 1st Example >>
In the first example of the third embodiment, the transaction information is stored in association with the store used by the user, and when the user performs a commercial transaction at the store, or when the user is located within a predetermined range of the store. In this case, the present embodiment is an example in which, using past transaction information (payment amount) at the store, a proposed payment amount associated with the store is calculated and presented to the user. In this case, for example, from the transaction information transmitted from the user's terminal 120, the store where the user is conducting a business transaction can be specified, or based on the current location information of the user's terminal 120, It may be determined that the user is in the store or approached the store, or may be determined that a commercial transaction is being performed or is scheduled to be performed by a notification or designation from the user.

<< Effect of First Embodiment >>
According to the present embodiment, the proposed payment amount associated with the store is calculated based on past transaction information in the store, so that the amount required for commercial transactions in the store can be calculated with high accuracy. By accepting the proposed payment amount and depositing the electronic value AC1, the business transaction at the store can be performed more smoothly, and the convenience for the user can be improved.

<< Operation Processing of First Embodiment >>
In the present embodiment, in step S310, each transaction information is stored as a part of the various information J3 in the storage unit 314 of the server 110 in association with the store. The minimum, median, average, weighted average, maximum, or multiplied by a certain coefficient of the payment amount per payment during the period or a predetermined period (the latest period) is used as the proposed payment amount. Except for calculating, and identifying the store from the transaction information transmitted in step S321, and presenting the proposed deposit amount associated with the store, using the same device configuration as in the first embodiment, It can be executed by a procedure equivalent to the processing procedure shown in FIG.

<< 2nd Example >>
The second example of the third embodiment is an example in which the user determines the amount specified by the user by increasing or decreasing the suggested amount of payment presented. Further, in the present embodiment, a predetermined operation object is displayed on the screen of the user terminal 120 as a UI image for the user to increase or decrease the payment proposal amount, and the user operates the operation object to make a payment proposal. The amount can be increased or decreased as desired.

<< Effect of Second Embodiment >>
According to the present embodiment, the user can easily perform the process of increasing / decreasing the deposit proposal amount by operating the operation object based on the presented deposit proposal amount. The operation can be easily performed, and the operation can be visually and intuitively confirmed. This can reduce the burden of the user's operation of determining the designated deposit amount, so that the convenience for the user can be improved and the commercial transaction can be more smoothly performed.

<< Operation Process of Second Embodiment >>
In the present embodiment, in the processing procedure described in the first embodiment, in step S323, the user adjusts the deposit proposal amount to determine the designated deposit amount, and in step S324, issues a deposit instruction for the designated deposit amount. Is transmitted, and can be executed by using the same device configuration as that of the first embodiment and by the same procedure as the processing procedure shown in FIG. Here, with reference to FIGS. 11 (A) to 11 (D), an operation in which the user operates the terminal 120 to increase / decrease the proposed deposit amount to adjust the amount and thereby determine the designated designated amount will be described. FIGS. 11A to 11D show an example of a display screen on the terminal 120 according to the second example of the third embodiment. In this embodiment, in step S323, any one of the screens shown in FIGS. 11A to 11D is displayed on the terminal 120 as the payment proposal screen.

  In the example of the screen of FIG. 11A, the display processing unit 328 of the terminal 120 selects the text T30 indicating the proposed deposit amount, the proposed proposed amount or the adjustment amount thereof in order from the top to the bottom of the screen. Buttons B31 and B32 for increasing / decreasing the amount of payment, a button B33 for determining (fixing) the adjustment amount based on the proposed payment amount as the designated payment amount and transmitting the payment instruction to the server 110, and a proposed payment amount And a numeric keypad K34 for inputting an amount to be increased or decreased with respect to the adjustment amount.

  In this screen example, “10000 yen” of the proposed deposit amount is clearly indicated as “charge proposed amount”, and the user taps the numeric keypad of the ten-key K34 to tap “10,000 yen” of the proposed deposit amount. You can enter the amount you want to increase or decrease (increase or decrease). Then, when the user taps one of the buttons B31 and B32, an adjustment amount obtained by adding or subtracting the amount of increase or decrease to "10000 yen" is calculated, and the payment proposal amount in the text T35 is rewritten to the adjustment amount. The user can further adjust the adjustment amount by operating the ten-key K34 and the buttons B31 and B32 in the same manner. When the user accepts the adjustment amount and taps button B33, the adjustment amount is determined (confirmed) as the designated payment amount, and the payment instruction is transmitted to server 110.

  For example, by inputting “2000” using the numeric keypad K34 and tapping the button B31, “2000 yen” is added to the proposed deposit amount, and the proposed deposit amount in the text T30 is rewritten as “12000 yen” as an adjustment amount. . Further, by inputting “1000” using the numeric keypad K34 and tapping the button B32, “1000 yen” is subtracted from the adjustment amount, and the adjustment amount in the text T30 is further rewritten to “11000 yen”. The input increase / decrease amount can be displayed at an arbitrary position on the screen (not shown).

  In the example of the screen of FIG. 11B, the display processing unit 328 of the terminal 120 displays a text T30 indicating the proposed deposit amount in the upper part of the screen, and displays the text T30 indicating the proposed deposit amount or the adjustment amount thereof in the lower part. Buttons B31 and B32 for increasing or decreasing the amount selected by the user, a button B33 for determining (fixing) the adjustment amount based on the proposed payment amount as the designated payment amount and transmitting the payment instruction to the server 110, and a proposal for payment. A text button T35 for inputting the amount and the amount to be increased or decreased with respect to the adjustment amount in predetermined fixed amount units (here, “100” yen, “1000” yen, and “10000” yen units) is displayed.

  In this screen example as well, the proposed payment amount “10000 yen” is clearly indicated as “charge proposed amount”, and the user selects a desired unit amount in the text button T35 and taps the text portion to display the proposed payment amount. The amount (increase / decrease amount) to be increased / decreased for “10000 yen” can be designated in the selected fixed amount unit. Then, when the user taps one of the buttons B31 and B32, an adjustment amount obtained by adding or subtracting the amount of increase or decrease to "10000 yen" is calculated, and the payment proposal amount in the text T35 is rewritten to the adjustment amount. Further, the user can further adjust the adjustment amount by operating the text button T35 and the buttons B31 and B32 in the same manner. When the user accepts the adjustment amount and taps button B33, the adjustment amount is determined (confirmed) as the designated payment amount, and the payment instruction is transmitted to server 110.

  For example, by tapping the text portion of “1000” twice and tapping button B31, “2000 yen” is added to the proposed deposit amount, and the proposed deposit amount in text T30 is adjusted to “12000 yen”. Rewritten. Further, by tapping the text portion of “1000” once and tapping button B32, “1000 yen” is subtracted from the adjustment amount, and the adjustment amount in text T30 is further rewritten to “11000 yen”. The input increase / decrease amount can be displayed at an arbitrary position on the screen (not shown).

  In the example of the screen in FIG. 11C, the display processing unit 328 of the terminal 120 sequentially adds the text T30 indicating the deposit proposal amount, the deposit proposal amount, and the adjustment amount thereof to the lower part of the screen from the top to the bottom. Is specified in predetermined fixed amount units (again, in units of “100” yen, “1000” yen, and “10000” yen) and added to the proposed deposit amount, and a text button T35 based on the proposed deposit amount. A button B33 for determining (fixing) the adjustment amount as the designated payment amount and transmitting the payment instruction to the server 110 is displayed. As described above, the screen example of FIG. 11B shows an example of a mode in which the proposed deposit amount is increased or decreased, while the screen example of FIG. 11C shows a mode in which the proposed deposit amount is increased and adjusted. An example is shown.

  In this screen example as well, the proposed payment amount “10000 yen” is clearly indicated as “charge proposed amount”, and the user selects a desired unit amount in the text button T35 and taps the text portion to display the proposed payment amount. The designated amount can be increased for "10000 yen". Thereby, the adjustment amount obtained by adding the designated amount to “10000 yen” is calculated, and the proposed payment amount in the text T35 is rewritten to the adjustment amount. The user can further adjust the adjustment amount by operating the text button T35 in the same manner. When the user accepts the adjustment amount and taps button B33, the adjustment amount is determined (confirmed) as the designated payment amount, and the payment instruction is transmitted to server 110.

  For example, by tapping the text portion of “1000” twice, “1000 yen” is added to the deposit proposal amount at each tap, and the deposit proposal amount in the text T30 is sequentially adjusted as “11000 yen” and “11000 yen”. 12000 yen ". Further, by tapping the text portion "10000" once, "10000 yen" is added to the adjustment amount, and the adjustment amount in text T30 is further rewritten to "22,000 yen".

  In the example of the screen of FIG. 11D, the display processing unit 328 of the terminal 120 sequentially increases and decreases the text T30 indicating the proposed payment amount, the proposed payment amount, and the adjustment amount thereof from the top to the bottom of the screen. In order to increase / decrease the proposed payment amount by designating infinitely, and determine (confirm) the adjustment amount based on the proposed payment amount as the designated payment amount and transmit the payment instruction to the server 110. Button B33 is displayed.

  Also in this screen example, the proposed deposit amount “10000 yen” is clearly indicated as the “charge proposed amount”, and the user slides the pointer of the slider S36 right and left from the center of the slider S36 to thereby change the proposed deposit amount to “10000 yen”. The designated amount can be increased or decreased for "yen". As a result, the adjustment amount obtained by adding or subtracting the designated amount to “10000 yen” is calculated, and the deposit proposal amount in the text T35 is rewritten to the adjustment amount following the movement of the pointer of the slider S36. In addition, the user can further adjust the adjustment amount by operating the slider S36 in the same manner. When the user accepts the adjustment amount and taps button B33, the adjustment amount is determined (confirmed) as the designated payment amount, and the payment instruction is transmitted to server 110.

  For example, by sliding the pointer of the slider D36 rightward from the center toward the screen, the proposed deposit amount in the text T30 changes to the gradually increased adjustment amount. When the finger is released from the slider S36, the pointer Returns to the center portion and is rewritten to the adjustment amount at that time (for example, “20,000 yen”). Further, by sliding the pointer of the slider D36 to the left from the center toward the screen, the adjustment amount in the text T30 gradually changes to the adjustment amount that is gradually reduced. When the finger is released from the slider S36, the pointer changes. Returns to the center portion and is rewritten to the adjustment amount at that time (for example, “15000 yen”).

<<< 3rd Example >>>
The third example of the third embodiment is an example in which the proposed deposit amount is calculated so as to exceed the amount corresponding to the breakeven point relating to the deposit processing from the withdrawal account AC2 to the electronic value AC1 and presented to the user. It is. As described above, usually, in the settlement service, a commission determined between the withdrawal source and the depositing side (operator of the electronic value AC1) occurs, and this commission is not particularly limited. , Or as a variable amount according to the service usage amount or the number of users. Therefore, for example, based on the commission set in this way, or the cost obtained by adding other expenses to the required amount, and the expected total number of payment processing performed by the payment service, the payment can be performed. The break-even point for each process (per transaction from a payment instruction or a payment request to the completion of payment) can be estimated and determined.

<< Effect of Third Embodiment >>
According to the present embodiment, an amount exceeding the amount corresponding to the break-even point for the deposit processing from the withdrawal account AC2 to the electronic value AC1 is calculated as the deposit proposal amount. Is impaired, in other words, the deposit amount definitely exceeds the cost due to the commission, so that the profitability in operating the settlement service using the electronic value AC1 can be improved.

<< Operation Process of Third Embodiment >>
In the present embodiment, in step S312, a proposed payment amount is calculated based on at least one of past transaction information (payment amount) and past payment information (payment amount) to the electronic value AC1 in a commercial transaction by the user. In addition, a processing procedure shown in FIG. 10 is used by using the same device configuration as that of the first embodiment except that the proposed deposit amount is calculated so as to exceed the amount corresponding to the break-even point relating to the deposit processing to the electronic value AC1. It can be executed by a procedure equivalent to. In addition, when adjusting the deposit proposal amount using the operation objects shown in FIGS. 11A to 11D, the adjustment amount of the deposit proposal amount and the determined designated payment amount are the break-even points related to the deposit processing. Can be configured so as not to be less than the amount corresponding to.

<Fourth embodiment>
The fourth embodiment is an embodiment showing an application example to a payment service in which a user can settle payment in a commercial transaction by electronic money by using a terminal 120 and performing online processing via a network 130. In the fourth embodiment, as in the first embodiment (see FIG. 3), for example, a payment system 610 is configured by the information processing device 200 (the server 110 and the terminal 120). When the user selects payment by electronic money of the electronic value AC1 in the commercial transaction, the payment request (payment request) is transmitted from the user's terminal 120 to the server 110, and if the payment amount is within the balance of the electronic value AC1. Then, the settlement request is approved, and the payment processing and the update processing of the balance of the electronic value AC1 are performed.

  In the fourth embodiment, when the balance of the electronic value AC1 is insufficient for the payment amount in the commercial transaction, the server 110 proposes (prompts) the user to deposit the electronic value AC1 through the terminal 120 through the terminal 120. The user sets a deposit amount and transmits a deposit instruction to the server 110, whereby the set designated deposit amount is withdrawn from the withdrawal account AC2 and deposited into the electronic value AC1.

  Furthermore, in the fourth embodiment, when the user sets the deposit amount, the first display area is associated with the electronic value AC1 associated with the user on the screen display of the terminal 120 of the user, and the first display area is assigned to the first display area. The first account account information J1 as information relating to the electronic value AC1 is displayed. At this time, on the screen display of the user terminal 120, the second display area is associated with the withdrawal account AC2 associated with the user, and the second account as information on the withdrawal account AC2 is associated with the second display area. The account information J2 is displayed. Then, in response to a user operation of selecting at least a part of the first display area and moving it to the second display area, at least one of the first account account information J1 and the second account account information J2. Is updated and displayed on the screen.

<Effect of Fourth Embodiment>
According to the fourth embodiment, the first account area information J1 and the second account area information J2 are respectively associated with the first display area and the second display area which are different from each other on the screen display of the terminal 120. The account account information is updated on the screen in response to the user's operation on the display area. Therefore, for example, when the operation is an operation related to a payment process from the withdrawal account AC2 to the electronic value AC1, the process can be performed easily. As a result, for example, the determination of the deposit instruction amount can be performed extremely easily as compared with the case of inputting numerical values and the like, and the deposit process by a simple operation can be realized. Moreover, since the operation is performed on the screen, it is easy to visually and intuitively confirm the operation. Thus, the burden on the user for operation can be reduced, so that the convenience for the user can be improved, and furthermore, the commercial transaction can be smoothly performed.

<Functional Configuration of Fourth Embodiment>
(1) Functional Configuration of Server The functional configuration of the server 110 according to the fourth embodiment is the same as the functional configuration of the server 110 according to the first embodiment, and a detailed description thereof will be omitted.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the fourth embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and a detailed description thereof will be omitted.

<Operation Processing of Fourth Embodiment>
With reference to FIG. 12, the processing of the settlement system 610 according to the present embodiment will be described. FIG. 12 illustrates an example of a sequence diagram of processing between the server 110 and the terminal 120 according to the present embodiment, and also illustrates an example of a processing procedure in the information processing method according to the present disclosure. Note that the processing procedure described below is merely an example, and each processing may be changed as much as possible within the scope of the technical idea of the present disclosure, and steps may be omitted, replaced, and added as appropriate. is there.

(Step S420)
First, a user executes a payment system application (program). Note that the processing in step S420 is the same as the processing in step S120 described with reference to FIG. 5 in the first embodiment, and a detailed description thereof will not be repeated.

(Step S421)
In step S221, when the user instructs the payment for performing the payment in the desired commercial transaction using the electronic money of the electronic value AC1, the order processing unit 326 of the terminal 120 requests the payment request for the payment and the transaction information (the payment amount and the like). Is transmitted to the server 110.

(Step S410, Step S411)
In step S410, the payment management unit 315 and the account management unit 316 of the server 110 that has received the payment request confirm the balance of the electronic value AC1, and compare the balance with the payment amount. If the balance of the electronic value AC1 is insufficient for the payment amount, in step S411, the settlement management unit 315, the deposit / withdrawal management unit 317, and the display management unit 318 of the server 110 approve the settlement request by the user. The user is notified of the inability to do so (repudiation notification), and a screen for proposing payment to the user for the electronic value AC1 and image data of a payment amount setting input screen are generated and transmitted to the terminal 120. The display processing unit 328 of the terminal 120 displays a rejection notification, a payment proposal, and a payment input setting screen on the input / output I / F 321 (output device) based on the image data.

(Steps S422 and S423)
Next, in step S422, the user sets a desired deposit amount by weighing, for example, the balance of the electronic value AC1 and the payment amount, determines the designated deposit amount, and instructs the deposit account AC2 to deposit the electronic value AC1. Then, in step S423, the instruction processing unit 327 of the terminal 120 transmits the payment request to the server 110.

(Steps S412 and S413)
In step S412, the deposit / withdrawal management unit 317 of the server 110 withdraws the designated deposit amount determined by the user from the withdrawal account AC2 and deposits it into the electronic value AC1 based on the deposit instruction from the user. The account management unit 316 of the server 110 updates the balances of the electronic value AC1 and the withdrawal account AC2, and the storage unit 314 stores the updated balances in the first account information J1 and the second account information J2. To be stored. Then, in step S413, the account management unit 316 and the display management unit 318 of the server 110 notify the user of the completion of deposit / withdrawal and the updated balance of the electronic value AC1 and the withdrawal account AC2 to the user. The data is generated and transmitted to the terminal 120. The display processing unit 328 of the terminal 120 displays a balance notification screen on the input / output I / F 321 (output device) based on the image data, and ends the payment processing to the electronic value AC1.

  Here, with reference to FIGS. 13A to 13D and FIGS. 14A and 14B, an operation in which the user operates the terminal 120 to set the deposit amount and determine the designated deposit amount will be described. FIGS. 13A to 13D and FIGS. 14A and 14B show an example of a transition of a display screen in the terminal 120 according to the fourth embodiment. In the fourth embodiment, the screens of FIGS. 13A to 13D and FIGS. 14A and 14B are sequentially displayed on the terminal 120 as a deposit input screen in step S422.

  In step S411 shown in FIG. 12, when the user is notified of the rejection of the settlement request, the display processing unit 328 of the terminal 120 first displays a deposit amount setting input screen shown in FIG. In the screen example of FIG. 13A, a first display area R41 associated with the electronic value AC1 and a second display area R42 associated with the withdrawal account AC2 are respectively provided at the middle and lower parts of the screen. Is displayed. When there are a plurality of withdrawal accounts AC2, a plurality of second display regions R42 associated with the plurality of withdrawal accounts AC2 may be displayed.

  As described above, the first display area R41 is associated with the electronic value AC1, and as the first account account information J1 relating to the electronic value AC1, a payment schedule in a payment preparation stage (a stage in which the user adjusts the deposit amount). The amount is displayed. In the first display area R41 or in the vicinity thereof, for example, a text T41 indicating a “charge amount calculation area” and a scheduled payment amount at that time are displayed.

  The second display area R42 is associated with the withdrawal account AC2, and is used as the second account account information J2 regarding the withdrawal account AC2 in the withdrawal preparation stage (the stage in which the user adjusts the withdrawal amount). The expected withdrawal amount is displayed. In the second display area R42 or in the vicinity thereof, for example, “Charge source account A” (withdrawal account AC2) and the balance (for example, “1 million yen”) of the withdrawal account AC2 at that time are displayed. The displayed text T42 is displayed.

  In the screen of FIG. 13A, when the user traces the second display area R42 with the finger F43, for example, rightward toward the screen (the operation schematically indicated by the arrow Y44), the user changes the distance according to the distance moved by the finger F43. , A part of the second display area is selected, and the display processing unit 328 of the terminal 120 can distinguish the selected area R45 from the other areas of the second display area as shown in the screen of FIG. (Eg, with different background colors). On the screen of FIG. 13B, the ratio (for example, “30%”) of the length or size (area) of the selection region R45 to the length or size (area) of the second display region R42 is displayed in the selection region R45. ) Is displayed. At this point, for example, “300,000 yen”, which is “30%” of “1 million yen” of the balance of the withdrawal account AC2, is the estimated withdrawal amount from the withdrawal account AC2, that is, the electronic value AC1 The estimated payment amount is set as the estimated payment amount, and the estimated payment amount to the electronic value AC1 in the text T41 displayed in the first display region R41 is rewritten to “300,000 yen”. As described above, the selection region R45 corresponds to an example of the “third display region” associated with the expected payment amount.

  Then, when the user moves the selection region R45 to the first display region R41 (swipe in a tapped state; an operation schematically shown by an arrow Y46), the user moves the selection region R45 to the second display region R42 as shown in FIG. The balance of the withdrawal account AC2 in the displayed text T42 is rewritten to “700,000 yen”. Further, the display processing unit 328 of the terminal 120 determines (determines) the estimated payment amount displayed in the first display area R41 on the screen shown in FIG. A button B47 for transmitting the deposit instruction to 110 is displayed.

  When the user taps button B47 on the screen shown in FIG. 13C, steps S422, S423, S412, and S413 shown in FIG. 12 are executed, and a deposit instruction from dispensing account AC2 to electronic value AC1 is issued. Transmitted from the terminal 120 to the server 110, the designated deposit amount is withdrawn from the withdrawal account AC2 and deposited into the electronic value AC1, and the balances of the electronic value AC1 and the withdrawal account AC2 are updated. The user is notified by the screen shown in FIG.

  Further, as shown in the screen of FIG. 13C, once the estimated deposit amount from the withdrawal account AC2 to the electronic value AC1 is input, and before the deposit instruction is performed by tapping the button B47, the estimated deposit amount is determined. Can be further adjusted (increased). That is, from the screen shown in FIG. 13C, as shown in FIG. 14A, the second display area R42 is traced again with the finger F43, and a part of the second display area R42 (for example, “10%”). Is selected, and the selected area is moved to the first display area R41 (operation schematically shown by an arrow Y46), whereby the expected deposit amount and the withdrawal account in the texts T41 and T42 shown in FIG. The balance of AC2 is rewritten to “370,000 yen” and “630,000 yen”, respectively. Then, in this state, when a deposit instruction is performed with the button B46, the completion of deposit and withdrawal is notified as shown in FIG. 14B, as in FIG. 13D.

  It should be noted that once the estimated deposit amount from the withdrawal account AC2 to the electronic value AC1 is input, and before the deposit instruction is performed by tapping the button B47, the estimated deposit amount can be further adjusted (reduced). By tracing the first display area R41 with the finger F43 to select a part (for example, “10%”) of the first display area R41 and moving the selected area to the second display area R42, the text T41, The expected deposit amount and the balance of the withdrawal account AC2 displayed at T42 are rewritten to “270,000 yen” and “730,000 yen”, respectively.

  As described above, the processing corresponding to FIG. 13A in step S422 includes the steps of “displaying the first display area”, “step of displaying the second display area”, and “displaying first account account information” in the present disclosure. Step of performing "and" Step of displaying second account account information ". Further, the processing corresponding to FIGS. 13B and 13C in step S422 corresponds to an example of “the step of displaying the third display area” in the present disclosure. Further, the processing in steps S422 and S423 corresponds to an example of the “step of designating a deposit amount” in the present disclosure. Further, the processing in step S412 corresponds to an example of “a step of displaying updated first account account information and second account account information” in the present disclosure.

<< 1st Example >>
In the processing shown in FIGS. 13A to 13C in the fourth embodiment, the user directly traces at least a part of the second display region R42 to specify the length or size of the second display region R42. A selection region R45 is set as at least a part of R42. In the first example of the fourth embodiment, instead of performing a direct operation on the second display region R42, for example, on the screen illustrated in FIG. In this embodiment, at least a part of the second display area R42 is selected.

<< Effect of First Embodiment >>
According to the present embodiment, it is possible to select at least a part of the second display area R42 without directly operating the second display area R42, so that the estimated deposit amount from the withdrawal account AC2 to the electronic value AC1 can be determined. The versatility at the time of designation can be enhanced, and thereby the convenience of the user can be further improved, and a smoother payment process can be realized.

<< Operation Processing of First Embodiment >>
In the present embodiment, in the screen shown in FIG. 13A in step S422, for example, the user can set a predetermined position such as a circle, a square, a line segment, or the like on an arbitrary portion other than the first display region R41 and the second display region R42. An area is formed (drawn) with the finger F43. Then, according to the ratio of the length or size (area) of the predetermined region to the length or size (area) of the second display region R42, a part of the second display region R42 is selected and the ratio is indicated. The text T46 can be displayed as shown in FIG.

<< 2nd Example >>
In the second example of the fourth embodiment, for example, in the step of displaying updated account account information as shown in FIGS. 13B and 13C in the first embodiment, the payment to the electronic value AC1 is scheduled. This is an example of displaying an amount obtained by performing a rounding process with an appropriate number of digits and an appropriate unit quantity as the amount and the balance of the withdrawal account AC2.

<< Effect of Second Embodiment >>
According to the present embodiment, when the ratio of the length or the size of the selected second display region R42 to the length or the size of the second display region R42 has, for example, a fraction below the decimal point, Since the numerical value obtained by performing the fraction processing with an appropriate number of digits is displayed, the user can easily check the expected payment amount and the balance, thereby further improving the user's convenience in the payment processing.

<< Operation Process of Second Embodiment >>
In the present embodiment, even if the ratio of the length or size of a part of the second display region R42 selected by the user in FIG. 13B is strictly, for example, “28.917%”, The ratio may be set to “29%” by rounding off the fractional part to the decimal point, and the numerical value may be set to “30%” by rounding to a sharp numerical value such as 5% or 10%. Even if the estimated deposit amount corresponding to the calculated ratio is strictly, for example, “314,000 yen”, it may be set to “310,000 yen” by rounding off less than 10,000 yen. The numerical value may be set to “300,000 yen” by performing a rounding process to a sharp numerical value such as 50,000 yen or 100,000 yen. As the fraction processing, rounding up or down to a predetermined digit or unit numerical value may be performed.

<<< 3rd Example >>>
A third example of the fourth embodiment is:
Triggered by the case where a predetermined condition is satisfied, the user is offered to pay for the electronic value AC1, the step of displaying account account information in the first embodiment, the step of displaying operation status, and the step of updating 9 is an embodiment for executing the step of displaying account information. The predetermined condition includes, for example, at least one of the following (c1) to (c4).

(C1) When the balance of the first account account falls below a certain amount (c2) When the payment amount in the commercial transaction exceeds a predetermined amount (c3) Every predetermined period or at a predetermined event (c4) When the payment amount in the commercial transaction When the balance of the first account account is insufficient

<< Effect of Third Embodiment >>
According to the present embodiment, when at least one of the conditions (c1) to (c4) is satisfied as the predetermined condition, the user is proposed to pay the electronic value AC1. For the same reason as in the first to third embodiments and the second embodiment, user convenience can be improved.

<< Operation Process of Third Embodiment >>
FIG. 15 illustrates an example of a sequence diagram of processing between the server 110 and the terminal 120 according to the embodiment, and also illustrates an example of a processing procedure in the information processing method according to the present disclosure. As shown in FIG. 15, in the present embodiment, steps S421 and S420 are not performed (not used as trigger conditions), and steps S121 and S111 similar to those in the first embodiment (see FIG. 5) are performed at appropriate timing. Is executed, and in step S411, the same procedure as the processing procedure shown in FIG. 12 is performed using the same apparatus configuration as that of the fourth embodiment except that the user is proposed to pay the electronic value AC1 to the user. it can. Steps S121 and S111 are the same as the processing in the first embodiment shown in FIG. 5, and the conditions (c1) to (c3), which are the predetermined conditions, are the same as those in Examples 1 to 3 of the first embodiment. Are the same as the conditions (a1) to (c3), and the condition (c4), which is the predetermined condition, is the same as the precondition in the second embodiment, and a detailed description thereof will be omitted.

  As described above, each embodiment and each example as an example of the present disclosure have been described in detail. However, the above description merely shows an example of the present disclosure in every respect, and various descriptions are provided without departing from the scope of the present disclosure. Needless to say, improvements and modifications can be made, and the above-described embodiment and each of the above-described examples may be partially replaced or may be appropriately combined and configured. Modifications as appropriately mentioned in the embodiment and each example are possible.

(Supplementary Note 1-1)
An information processing method in an information processing device,
Storing a balance of a first account account associated with the user;
Proposing a payment to the first account account to the user when a predetermined condition is satisfied;
Calculating a proposed deposit amount to the first account account so as to exceed an amount corresponding to a break-even point relating to a deposit process to the first account account, and presenting the proposed deposit amount to the user; When,
Depositing the proposed deposit amount into the first account account based on the user's consent;
Updating the balance in the first account account according to the deposit amount in the first account account.

  The information processing method according to supplementary note 1-1, wherein the depositing step further includes a step of withdrawing the proposed deposit amount from a second account account associated with the user.

(Appendix 1-3)
The predetermined conditions are as follows (a1) to (a3);
(A1) When the balance of the first account account falls below a certain amount (a2) When the payment amount in the commercial transaction exceeds a predetermined amount (a3) At least one of every predetermined period or at the time of a predetermined event The information processing method according to 1-1 or 1-2.

(Appendix 1-4)
The fixed amount in (a1) is at least one of an amount set by the user, past transaction information of the product or service by the user, and past deposit information to the first account account. The information processing method according to Supplementary Note 1-3, wherein the information processing method is determined based on:

(Appendix 1-5)
The additional statement 1-3, wherein the predetermined amount in (a2) is an amount set by the user, a balance of the first account account, or an amount obtained by multiplying a balance of the first account account by a predetermined coefficient. The information processing method described.

(Supplementary Note 1-6)
The method according to any one of supplementary notes 1-1 to 1-5, wherein in the step of calculating and presenting the proposed deposit amount, the proposed deposit amount is further calculated to be equal to or more than the amount required by the user. Information processing method.

(Supplementary Note 1-7)
The amount required by the user is equal to or greater than the shortage of the balance of the first account account with respect to the payment amount at the time of executing a commercial transaction, and other than at the time of executing the commercial transaction, past transaction information in the commercial transaction, and 7. The information processing method according to Supplementary Note 1-6, wherein the information processing method is determined based on at least one of past payment information to the first account account.

(Supplementary Note 1-8)
A balance storage unit for storing a balance of a first account account associated with the user;
A payment proposal unit that proposes to the user a payment to the first account account when a predetermined condition is satisfied;
Calculating a proposed deposit amount to the first account account so as to exceed an amount corresponding to a break-even point relating to a deposit process to the first account account, and presenting the proposed deposit amount to the user; A presentation unit;
A deposit / withdrawal processing unit that deposits the deposit proposal amount into the first account account based on the user's consent;
An information processing apparatus comprising: a balance updating unit configured to update a balance in the first account account according to a deposit amount in the first account account.

(Supplementary Note 1-8)
For information processing equipment,
Storing a balance of a first account account associated with the user;
Proposing a payment to the first account account to the user when a predetermined condition is satisfied;
Calculating a proposed deposit amount to the first account account so as to exceed an amount corresponding to a break-even point relating to a deposit process to the first account account, and presenting the proposed deposit amount to the user; When,
Depositing the proposed deposit amount into the first account account based on the user's consent;
Updating the balance in the first account account according to the deposit amount in the first account account.

(Appendix 2-1)
An information processing method in an information processing device,
Storing a balance of a first account account associated with the user;
Proposing to the user a deposit in the first account account when the balance of the first account account is insufficient for a payment amount in a commercial transaction;
When there is a proposal of the deposit, by the user, selection of a specific user having a predetermined relationship with the user, and receiving a deposit request and a deposit request amount for the specific user,
Depositing the deposit request amount into the first account account based on the specific user's consent;
Updating the balance of the first account account according to the deposit amount in the first account account.

(Appendix 2-2)
The information processing method according to claim 1, wherein the depositing step further includes a step of withdrawing the deposit request amount from a third account associated with the specific user.

(Supplementary Note 2-3)
The information processing method according to attachment 2-1 or 2-2, wherein the predetermined relationship is a family relationship with the user, a friendship relationship with the user, or a relationship having a loan with the user.

(Appendix 2-4)
When a user having a family relationship with the user is selected as the specific user, information regarding the third account account including the balance of the third account account is displayed so that the user can view the additional user. 4. The information processing method according to any one of 1 to 2-3.

(Appendix 2-5)
The method according to any one of Supplementary notes 2-1 to 2-4, wherein in the depositing step, the consent of the specific user is confirmed for each depositing process to the first account account, and the deposit is made to the first account account. Information processing method.

(Appendix 2-6)
In the step of depositing, any of the supplementary notes 2-1 to 2-4, wherein the deposit is made to the first account account based on the consent of the specific user confirmed in advance before the deposit process to the first account account. Or the information processing method according to

(Supplementary Note 2-7)
Supplementary note 2-1 in which the specific user that can be selected by the user and the user that can be accepted by the specific user are limited to users who are within a predetermined range of the user or users having a certain degree of closeness to each other 6. The information processing method according to any one of items 2 to 5, wherein

(Appendix 2-8)
The intimacy is determined from the following (b1) to (b6);
(B1) Message transmission / reception amount in a predetermined period (b2) Elapsed period since the predetermined relationship was established (b3) Temporal and spatial relationship (b3) Number of common friends (b4) Degree of communication with common friends (B5) The information processing method according to any one of supplementary notes 2-1 to 2-7, wherein the information processing method is set based on at least one of the degrees of similarity of the attributes.

(Supplementary Note 2-9)
A balance storage unit for storing a balance of a first account account associated with the user;
A payment proposing unit for proposing a payment to the first account account to the user when a balance of the first account account is insufficient for a payment amount in a commercial transaction;
When there is a proposal of the payment, by the user, selection of a specific user having a predetermined relationship with the user, and a specific user receiving unit that receives a payment request and a payment request amount for the specific user,
A deposit and withdrawal processing unit that deposits the deposit request amount into the first account account based on the consent of the specific user;
An information processing apparatus, comprising: a balance updating unit that updates a balance of the first account account according to a deposit amount in the first account account.

(Supplementary Note 2-10)
For information processing equipment,
Storing a balance of a first account account associated with the user;
Proposing to the user a deposit in the first account account when the balance of the first account account is insufficient for a payment amount in a commercial transaction;
When there is a proposal of the deposit, by the user, selection of a specific user having a predetermined relationship with the user, and receiving a deposit request and a deposit request amount for the specific user,
Depositing the deposit request amount into the first account account based on the specific user's consent;
Updating the balance of the first account account according to the deposit amount in the first account account.

(Appendix 3-1)
An information processing method in an information processing device,
Storing a balance of a first account account associated with the user;
Storing transaction information in the commercial transaction by the user and payment information to the first account account;
Proposing a deposit to the first account account for the user;
Based on at least one of the transaction information and the payment information, calculating a payment proposal amount to the first account account, presenting the payment proposal amount to the user,
Depositing the deposit proposal amount, or a designated deposit amount determined by the user based on the deposit proposal amount, into the first account account;
Updating the balance of the first account account according to the deposit amount in the first account account.

(Appendix 3-2)
The information processing method according to Additional Statement 1-1, wherein the step of depositing further includes a step of withdrawing the proposed deposit amount or the designated designated amount from a second account account associated with the user.

(Appendix 3-3)
In the step of storing the transaction information and payment information, storing the transaction information in association with the store used by the user,
In the step of calculating and presenting the deposit proposal amount, based on the transaction information in the store, when the user performs a business transaction in the store, or when the user is located within a predetermined range of the store. The information processing method according to Supplementary note 3-1 or 3-2, wherein the payment proposal amount associated with the store is calculated and presented to the user.

(Appendix 3-4)
The information processing method according to any one of Supplementary Notes 3-1 to 3-3, wherein in the step of depositing, the user designates an adjustment amount obtained by increasing or decreasing the deposit proposal amount as the designated deposit amount.

(Appendix 3-5)
The information processing method according to any one of Supplementary Notes 3-1 to 3-4, further comprising a step of displaying an operation object for the user to increase or decrease the deposit proposal amount to determine the deposit designation amount.

(Appendix 3-6)
In the step of displaying the operation object, the user displays an operation object for arbitrarily increasing or decreasing the deposit proposal amount, and displays an amount according to the operation of the operation object by the user. Supplementary note 3-5. An information processing method according to claim 1.

(Appendix 3-7)
In the step of displaying the operation object, the user displays an operation object for increasing / decreasing the deposit proposal amount in a predetermined fixed amount unit, and displays an amount according to the operation of the operation object by the user. An information processing method according to supplementary note 3-5.

(Appendix 3-8)
The information processing method according to any one of supplementary notes 3-5 to 3-7, wherein the operation object includes at least one of a button, a numeric keypad, a text, and a slider.

(Appendix 3-9)
In the step of calculating and presenting the proposed deposit amount, the proposed deposit amount is calculated so as to exceed an amount corresponding to a break-even point relating to a deposit process to the first account account. -8. The information processing method according to any one of -8.

(Appendix 3-10)
A balance storage unit for storing a balance of a first account account associated with the user;
An information storage unit that stores past transaction information in commercial transactions by the user and past payment information to the first account account;
A payment proposal unit for proposing payment to the first account account for the user;
A calculation / presentation unit that calculates a proposed payment amount to the first account account based on at least one of the transaction information and the received payment information, and presents the proposed payment amount to the user;
A deposit / withdrawal processing unit that deposits the deposit proposal amount, or a designated deposit amount determined by the user based on the deposit proposal amount, into the first account account;
An information processing apparatus, comprising: a balance updating unit that updates a balance of the first account account according to a deposit amount in the first account account.

(Supplementary Note 3-11)
For information processing equipment,
Storing a balance of a first account account associated with the user;
Storing past transaction information in a commercial transaction by the user and past deposit information to the first account account;
Proposing a deposit to the first account account for the user;
Based on at least one of the transaction information and the payment information, calculating a payment proposal amount to the first account account, presenting the payment proposal amount to the user,
Depositing the deposit proposal amount, or a designated deposit amount determined by the user based on the deposit proposal amount, into the first account account;
Updating the balance of the first account account according to the deposit amount in the first account account.

(Supplementary Note 4-1)
The information processing program according to claim 1, wherein the user's operation on the second display area includes an operation of increasing or decreasing at least a part of the area of the second display area.

(Supplementary Note 4-2)
The information processing program according to supplementary note 4-1, wherein the operation of the user on the second display area includes an operation of increasing or decreasing the area of at least a part of the second display area.

(Appendix 4-3)
In response to the user's operation on the second display area, further executing the step of displaying the third display area associated with the deposit amount in such a manner that the third display area is at least partially superimposed on the second display area. The information processing program according to Supplementary Note 4-1 or 4-2.

(Appendix 4-4)
The information processing according to any one of supplementary notes 4-1 to 4-3, wherein the operation of the user on the second display area includes an operation of moving at least a part of the second display area to the first display area. program.

(Appendix 4-5)
In response to the user's operation on the first display area, the operation of increasing or decreasing at least a part of the area in the first display area, entering the first account account from the second account account. The information processing program according to any one of supplementary notes 4-1 to 4-4, further causing a step of specifying an amount to be executed.

(Appendix 4-6)
The information according to any one of supplementary notes 4-1 to 4-5, wherein the operation of the user on the first display area includes an operation of moving at least a part of the first display area to the second display area. Processing program.

(Appendix 4-7)
The information processing program according to any one of supplementary notes 4-1 to 4-6, wherein the user's operation on the second display area is a plurality of operations by the user.

(Appendix 4-8)
Any of supplementary notes 4-1 to 4-7, further comprising a step of displaying the first account account information in a mode of being superimposed on the first display area or a mode of displaying the first account account information in the vicinity of the first display area. The information processing program described.

(Supplementary Note 4-9)
Any of supplementary notes 4-1 to 4-8, further comprising a step of displaying the second account account information in a mode of being superimposed on the second display area or a mode of displaying the second account account information in the vicinity of the first display area. The information processing program described.

(Supplementary Note 4-10)
The information processing program according to any one of Supplementary Notes 4-1 to 4-9, wherein a rounding process is performed on the deposit amount.

(Supplementary Note 4-11)
Additional terms 4-1 to 4-10, wherein one of at least a part of the area of the first display area or at least a part of the area of the second display area is subjected to a fractional process. An information processing program according to any one of the above.

(Supplementary Note 4-12)
And displaying the updated first account account information and the updated second account account information when the payment from the second account account to the first account account is completed. The information processing program according to any one of 4-1 to 4-11.

(Supplementary Note 4-13)
When the deposit amount is equal to or less than the amount corresponding to the break-even point related to the deposit processing to the first account account, the deposit amount is adjusted so as to exceed the amount corresponding to the break-even point. The information processing program according to any one of 1 to 4-12.

(Supplementary Note 4-14)
An information processing method in an information processing device,
Displaying a first display area associated with a first account account associated with the user;
Displaying a second display area associated with a second account account associated with the user;
A step of designating a deposit amount from the second account to the first account in response to an operation on the second display area by the user.

(Supplementary Note 4-15)
A first display unit that displays a first display area associated with a first account account associated with the user;
A second display unit that displays a second display area associated with a second account account associated with the user;
An information processing apparatus comprising: a deposit specifying unit configured to specify a deposit from the second account to the first account in response to an operation performed on the second display area by the user.

  DESCRIPTION OF SYMBOLS 1 ... Communication system, 110, 110A, 110B ... Server, 120, 120A, 120B, 120C, 120X ... Terminal, 130 ... Network, 140 ... External system, 200 ... Information processing apparatus, 201 ... Processor, 202 ... Memory, 203 ... Storage, 204: input / output interface (input / output I / F), 205: communication interface (communication I / F), 313: control unit, 314: storage unit, 315: settlement management unit, 316: account management unit, 317 ... Deposit / withdrawal management unit, 318: display management unit, 323: control unit, 324: storage unit, 325: transaction management unit, 326: order processing unit, 327: instruction processing unit, 328: display processing unit, 610: settlement system, AC1: electronic value, AC2: withdrawal account, AC3: specific withdrawal account, B: bus, B31 to B33, B46, B 47, B50 to B54, B160 to B164 button, D36 slider, F43 finger, J1 first account account information, J2 second account account information, J3 various information, K34 numeric keypad, R41 first display Area, R42: second display area, R45: selection area, S36: slider, S40 to S48, S111 to S115, S120 to S124, S140, S150 to S157, S190, S200, S210 to S217, S220 to S226, S230 to S233, S310 to S315, S320 to S324, S410 to S413, S420 to S423 ... step, T30 ... text, T35 ... text button, T41, T42, T46 ... text, Y44, Y46 ... arrows.

Claims (9)

An information processing method in an information processing device,
Storing a balance of a first account account associated with the user;
Proposing a payment to the first account account to the user when a predetermined condition is satisfied;
Calculating a proposed deposit amount to the first account account so as to exceed an amount corresponding to a break-even point relating to a deposit process to the first account account, and presenting the proposed deposit amount to the user; When,
Depositing the proposed deposit amount into the first account account based on the user's consent;
Updating the balance in the first account account according to the deposit amount in the first account account.   The information processing method according to claim 1, wherein the depositing step further includes a step of withdrawing the deposit proposal amount from a second account account associated with the user. The predetermined conditions are as follows (a1) to (a3);
(A1) When the balance of the first account account falls below a certain amount (a2) When the payment amount in the commercial transaction exceeds a predetermined amount (a3) At least one of every predetermined period or at the time of a predetermined event Item 3. The information processing method according to item 1 or 2.   The fixed amount in (a1) is at least one of an amount set by the user, past transaction information of the product or service by the user, and past payment information to the first account account. The information processing method according to claim 3, wherein the information processing method is determined based on:   The said predetermined amount of money in the said (a2) is the amount set by the said user, the balance of the said 1st account account, or the amount which multiplied the predetermined coefficient to the balance of the said 1st account account, The claim 3 characterized by the above-mentioned. Information processing method.   The information according to any one of claims 1 to 5, wherein in the step of calculating and presenting the deposit proposal amount, the deposit proposal amount is further calculated to be equal to or more than the amount required by the user. Processing method.   The amount required by the user is equal to or greater than the shortage of the balance of the first account account with respect to the payment amount at the time of executing a commercial transaction, and other than at the time of executing the commercial transaction, past transaction information in the commercial transaction, and The information processing method according to claim 6, wherein the information is determined based on at least one of past payment information to the first account account. A balance storage unit for storing a balance of a first account account associated with the user;
A payment proposal unit that proposes to the user a payment to the first account account when a predetermined condition is satisfied;
Calculating a proposed deposit amount to the first account account so as to exceed an amount corresponding to a break-even point relating to a deposit process to the first account account, and presenting the proposed deposit amount to the user; A presentation unit;
A deposit / withdrawal processing unit that deposits the deposit proposal amount into the first account account based on the user's consent;
An information processing apparatus comprising: a balance updating unit configured to update a balance in the first account account according to a deposit amount in the first account account. For information processing equipment,
Storing a balance of a first account account associated with the user;
Proposing a payment to the first account account to the user when a predetermined condition is satisfied;
Calculating a proposed deposit amount to the first account account so as to exceed an amount corresponding to a break-even point relating to a deposit process to the first account account, and presenting the proposed deposit amount to the user; When,
Depositing the proposed deposit amount into the first account account based on the user's consent;
Updating the balance in the first account account according to the deposit amount in the first account account.