JP2020129250A - Program, information processing method, and information processing device - Google Patents

Abstract

To improve convenience of a user in a post payment system.SOLUTION: A program causes an information processing device to execute a process including: receiving a user's first operation to select a post payment process for a settlement process; performing control to display a calendar on a screen; and setting, as a payment date of the post payment process, a date selected according to a user's second operation performed on an arbitrary date of the calendar.SELECTED DRAWING: Figure 1

Description

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

Conventionally, in an Internet banking system, a user can use various services such as transfer and transfer using a terminal. For example, in Patent Document 1, a corporate customer terminal extracts transfer designated date information and the like associated with imaging data, and an Internet banking system generates transfer data using the extracted transfer designated date information and the like. Is disclosed.

Japanese Patent No. 6307641

Here, when the user pays for the product or service, the payment can be deferred. In this case, the payment date is often specified in advance, and even if the above-mentioned Patent Document 1 is taken into consideration, the payment date must be entered on a paper and imaged by the camera. There was room for improvement in terms.

Therefore, it is an object of the present disclosure to provide a program, an information processing method, and an information processing device that can improve the convenience of the user in a post-payment system.

A program according to an embodiment of the present disclosure receives, in an information processing device, a first operation of a user who selects a post-payment process for a payment process, displays a calendar on a screen, and controls the calendar of the user for an arbitrary date of the calendar. The date selected according to the second operation is set to the payment date of the post-payment process, and the process is executed.

It is a figure for explaining a system outline concerning one embodiment of this indication. It is a figure which shows the structure of the processing system 1 for implementing effectively the information processing method which concerns on one Embodiment of this indication. FIG. 3 is a diagram showing an example of a hardware configuration of an information processing device 200 according to an embodiment of the present disclosure. It is a figure showing an example of a block diagram showing a functional composition of server 110 concerning one embodiment of this indication. It is a figure showing an example of a user management DB concerning one embodiment of this indication. It is a figure showing an example of settlement management DB concerning one embodiment of this indication. It is a figure showing an example of payment management DB concerning one embodiment of this indication. It is a figure showing an example of functional composition of terminal 120 concerning one embodiment of this indication. It is a figure showing an example of the sequence of the processing procedure about post-payment which processing system 1 concerning one embodiment of this indication performs. FIG. 9 is a diagram showing a transition example on a payment selection screen of the terminal 120 according to an embodiment of the present disclosure. It is a figure showing an example of a payment screen of terminal 120 concerning one embodiment of this indication.

<Legal compliance>
The disclosures described herein, when implemented, are performed in compliance with the laws of each country in which the disclosure is implemented. In addition, the disclosure described herein is implemented with all changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art, in order to comply with the laws of each country.

Modes for carrying out a program, an information processing apparatus, and an information processing method according to the present disclosure will be described with reference to the drawings.

<System overview>
FIG. 1 is a diagram for explaining a system outline according to an embodiment of the present disclosure. In the example shown in FIG. 1, when the user makes a payment at the time of purchasing a product or enjoying a service, he/she designates postpay or installment payment collectively for one month. In the following, postpaid payments such as monthly postpaid payments and installment payments are simply referred to as “postpaid”. In this embodiment, the user can freely set the postpaid payment date while looking at the calendar.

For example, it is assumed that the user UA uses the terminal 120 to purchase a product put up on the electronic commerce platform. At this time, if the user UA specifies post-payment at the time of payment, the terminal 120 displays a calendar on the screen and accepts the selection of the payment date. The user UA performs an operation of selecting a date while looking at the calendar, so that the terminal 120 sets the date selected by the user to the payment date and transmits post-payment setting information including the payment date to the server 110. .. Note that in the case of postpaid payment in installments, the user UA performs an operation of selecting dates on the calendar by the specified number of installments, and the terminal 120 sets a plurality of set dates to the payment dates. The setting information including the payment date of is sent to the server 110.

According to the above-described mechanism for setting post-payment, the user can set the payment date for post-payment at his or her own convenience, and can set the payment date based on, for example, the date on which the salary or part-time job fee is transferred. Further, according to this mechanism, since the payment date can be selected on the calendar, it is possible to provide a user interface in which the payment date can be easily selected from the viewpoint of affinity between the date and the calendar. As a result, the disclosed processing system can provide a post-payment system with improved convenience for the user. The processing system described above will be described below in the order of system configuration, hardware configuration, functional configuration, operation processing, and user interface of the terminal.

<System configuration>
FIG. 2 is a diagram showing a configuration of the processing system 1 for effectively implementing the information processing method according to the embodiment of the present disclosure. As disclosed in FIG. 2, in the processing system 1, the servers 110A and 110B are connected to the terminals 120A, 120B, and 120C via the network 130.

In the present disclosure, if 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, if it is not necessary to distinguish the terminal 120A, the terminal 120B, and the terminal 120C from each other, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively. Further, when it is not necessary to distinguish the terminals 120B1, 120B2, 120B3 from each other, they may be expressed as the terminal 120B. 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 is not limited.

The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, a payment service, a financial service, an electronic commerce service, an SNS (Social Networking Service) typified by instant messenger, and a content providing service such as music/video/book. 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.

In the present disclosure, the settlement service means a service that allows one or more users to exchange money or money equivalents. By way of example and not limitation, one-dimensional code (bar code, etc.), two-dimensional code (QR code (registered trademark), etc.) (hereinafter, one-dimensional code and two-dimensional code are collectively referred to as “two-dimensional code, etc.” ), near field communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.) including. In addition, the fact that the terminal 120 of the user (payer) who pays the price reads the two-dimensional code or the like to perform payment is referred to as “user-readable code payment” or “MPM (Merchant Presented Mode)”, and payment is performed. The terminal 120 of the user who performs the operation displays the two-dimensional code or the like, and the displayed two-dimensional code or the like is read by the terminal 120 of the user (seller, invoicer) on the store side or the like who bills for the payment. This is referred to as “store-reading code settlement” or “CPM (Consumer Presented Mode)”. The MPM and CPM may be dynamic or static.

If necessary, the terminal used by the user X is expressed as a terminal 120X, and the user information in a predetermined service associated with the user X or the terminal 120X is expressed as a user information X. Note that the user information is user information associated with an account used by the user in a predetermined service. The user information is, for example and without limitation, the user's name, the user's icon image, the user's age, the user's gender, the user's address, the user's hobby, which is input by the user or given by a predetermined service. Information such as tastes, user identifiers, and other information associated with the user, electronic value (electronic money) balance information associated with the user, and credit card information (credit card number, etc.) associated with the user. Any one of them or a combination thereof may be used.

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

One or more portions of network 130 may be wired or wireless networks. The network 130 is, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless. LAN (Wireless LAN: WLAN), wide area network (Wide Area Network: WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (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 (Bluetooth (registered trademark)), satellite Communication, etc., or a combination of two or more of these may be included. Networks 130 may include one or more networks 130.

The information processing device 200 may be any information processing device as long as it can realize the functions and/or methods described in the present disclosure.

The information processing apparatus 200 includes, by way of example and not limitation, a smartphone, a mobile phone (feature phone), a computer (for example, without limitation, a desktop, laptop, tablet, etc.), a server device, a media computer platform (for example, but not limitation). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computer devices (such as, but not limited to, PDAs (Personal Digital Assistants), email clients, etc.), wearable terminals (such as, but not limited to, eyeglass devices, Including clock-type devices), other types of computers, or communication platforms.

<Hardware (HW:HardWare) configuration>
The HW configuration of the information processing device 200 included in the processing system 1 will be described with reference to FIG. FIG. 3 is a diagram illustrating an example of a hardware configuration of the information processing device 200 according to an embodiment of the present disclosure.

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 connected to each other via the bus B as an example and not a limitation.

The information processing apparatus 200 realizes the functions and/or methods described in the present disclosure by the cooperation of the processor 201, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205. To 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 is, by way of example and not limitation, a central processing unit (CPU), MPU (Micro Processing Unit), GPU (Graphics processing Unit), microprocessor (microprocessor), processor core (processor core), multiprocessor (multiprocessor). , ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or the like, Each process 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 shown in each embodiment may be realized by a single integrated circuit. Further, the LSI may be referred to as VLSI, super LSI, 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 to the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 executes the program. The memory 202 includes, for example and without limitation, a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

The storage 203 stores the program. The storage 203 includes, for example and without limitation, a HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

The communication I/F 205 transmits 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 performing 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 device and transfers the data to the processor 201.

The input/output I/F 204 includes an input device that inputs various operations on 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, the input device and the output device may be integrated, or the input device and the output device may be separated.

The input device is realized by any of all types of devices capable of receiving an input from a user and transmitting information related to the input to the processor 201, or a combination thereof. The input device includes, by way of example and not limitation, a touch panel, a touch display, a hardware key such as 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 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 may be any one or all of the devices capable of displaying the display data according to the display data written in the frame buffer. It is realized by combination. The output device is, for example, without limitation, a touch panel, a touch display, a monitor (as an example without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HDM: Head Mounted Display), projection mapping, a hologram. , A device capable of displaying an image, text information and the like in the air (may be a vacuum), a speaker (voice output), a printer, and the like. Note that these output devices may be capable of displaying the display data in 3D.

The program of the embodiment of the present disclosure may be provided in a state of being stored in a computer-readable storage medium. The storage medium can store the program in a “non-transitory tangible medium”. 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, field programmable gate arrays (FPGAs), application specific ICs (ASICs), 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 any suitable combination of two or more thereof. Storage media 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 the information processing device 200 via any transmission medium (communication network, broadcast wave, or the like) capable of transmitting the program.

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.

It should be noted that the program of the present disclosure is implemented using a script language such as JavaScript (registered trademark) or Python, a C language, a Go language, a programming language such as Swift, Kotlin, or Java (registered trademark) by way of example and not limitation. To be done.

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 configured to be performed by another information processing device.

<Other>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. You may.

This disclosure includes all changes, substitutions, variations, alterations, and modifications to the embodiments and/or examples of the present disclosure that can be made by those skilled in the art. Similarly, where appropriate, the appended claims cover all changes, substitutions, variations, alterations, and modifications to the embodiments and/or examples of this disclosure that can be made by those skilled in the art. Include. Further, the disclosure is one or more features of the embodiments and/or examples in this disclosure and one of the other embodiments and/or examples in this disclosure that can be made by those skilled in the art. Includes any combination of one or more features.

Unless otherwise specified, the present disclosure may obtain consent from a user before or immediately before implementing any of the embodiments or examples. Further, the consent to be acquired may be comprehensive or may be acquired each time.

Hereinafter, an embodiment 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, the example of the present disclosure can be variously modified and implemented without departing from the spirit thereof. Further, in the following description of the drawings, the same or similar reference numerals are given to the same or similar portions, and the drawings are schematic and do not necessarily match actual dimensions and ratios. Furthermore, the drawings may include portions having different dimensional relationships and ratios.

<Embodiment>
The present embodiment is an embodiment in which the user selects the payment date on the calendar when the user specifies the post-payment at the time of payment in the processing system 1.

<Effects of the embodiment>
According to this embodiment, it is possible to improve the convenience of the user in the post-payment system. For example, the user can set the payment date for post-payment at his/her own convenience, and specifically, can set the payment date based on the date on which the salary or part-time job fee is transferred. Further, according to this embodiment, it is possible to provide a user interface in which the payment date can be easily selected from the viewpoint of the affinity between the date and the calendar. Note that the payment date for post-payment is generally determined in advance by the payment operator, unlike transfer or the like. However, the present embodiment is different from general post-payment in that the payment date for post-payment can be determined by the convenience of the user.

<Functional configuration of the embodiment>
The functional configuration of the server 110 will be described with reference to FIG. Each functional unit disclosed in FIG. 4 is realized by the cooperation of the processor 201, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205 included in the information processing apparatus 200.

(1) Functional Configuration of Server 110 FIG. 4 is a diagram showing an example of a block diagram showing a functional configuration of the server 110 according to an embodiment of the present disclosure. The server 110 has, for example, an input/output unit 311, a transmission/reception unit 312, a display control unit 313, a payment management unit 314, a payment management unit 315, and a storage unit 320. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) within a feasible range.

The input/output unit 311 can be realized by the processor 201 via the input/output I/F 204, for example. Further, the transmission/reception unit 312 can be realized by the processor 201 via the communication I/F 205, for example. The display control unit 313, the payment management unit 314, and the payment management unit 315 can be realized by the processor 201 reading and executing a program stored in the storage unit 320. The storage unit 320 can be realized using the memory 202 and/or the storage 203.

The storage unit 320 stores programs executed by the server 110 according to the embodiment, a user management DB that manages users who are members of the electronic commerce platform, a payment management DB that manages electronic payments, and payments generated by electronic payments. A payment management DB to be managed is stored. 5 to 7 are diagrams showing an example of each management DB.

FIG. 5 is a diagram showing an example of a user management DB according to an embodiment of the present disclosure. The user management DB manages information about each member user created by a person who operates and manages the electronic commerce platform. The “user ID” includes user identification information (user ID: Identifier) for the server 110 to uniquely identify the user. The “user information” includes personal information of the user such as “name”, “address”, “phone number”, “balance”, and the like. “Balance” represents a balance of electronic value held by a user, and includes at least one of charged electronic value, points earned, funds transferred from a bank, and sales proceeds from an electronic commerce platform.

FIG. 6 is a diagram showing an example of a payment management DB according to an embodiment of the present disclosure. The "user ID" includes user identification information of a user who purchased a product or service (hereinafter simply referred to as "product") using the electronic payment service. The "payee" includes the name of the user who sold the product using the electronic payment service. The “amount” is the amount used for electronic payment, and includes, for example, the amount of the product including the consumption tax.

FIG. 7 is a diagram illustrating an example of the payment management DB according to the embodiment of the present disclosure. The "payment ID" includes the identification information for identifying the above-mentioned postpayment. The "user ID" includes the user ID of the user who has selected postpay. The “payment amount” includes a sum of monthly electronic payment processing and a postpaid amount. The “payment method” includes the payment method selected by the user. For example, the payment method includes at least one of payment at a convenience store (hereinafter, also simply referred to as “convenience store”), transfer from a bank account, use of points, and the like.

The “target month” includes the year and month for which payment is collectively made on a monthly basis. The "payment date" includes a postpaid payment date. For example, the payment date includes the payment date set on the calendar by the user, and in the case of installment payment, a plurality of payment dates are included. The "paid" includes information indicating whether or not the user has paid the postpaid payment. For example, “completed” indicates that the user's payment has been completed, and “not yet” indicates that the user has not completed payment. In addition, when there are a plurality of payment dates, information indicating whether payment has been completed is set for each payment date.

In addition, the storage unit 320 may store the account information such as the electronic value and points owned by the user in a separate account management DB in association with the user ID.

Returning to FIG. 4, the input/output unit 311 has a function of performing processing of accepting input of various data via the input/output I/F 204 and processing of outputting various data via the input/output I/F 204.

The transmission/reception unit 312 has a function as a reception unit that receives various data from each terminal 120 via the communication I/F 205 and a transmission unit that transmits various data to each terminal 120 using the communication I/F 205.

The various data received include, for example, payment information from the terminal 120 or the store terminal, post-payment setting information from the terminal 120, and the like. Further, the post-payment setting information may be included in the payment information, or may include change information for changing the post-payment setting. The various data to be transmitted include, for example, interest information for post-payment setting, payment amount information, and the like.

The display control unit 313 controls to transmit screen information of a screen related to electronic payment processing to the terminal 120 via the transmission/reception unit 312, if necessary. For example, the display control unit 313 may transmit screen information regarding a screen regarding post-payment, which is set at the time of electronic payment, to the terminal 120 via the transmission/reception unit 312.

The payment management unit 314 has a function of executing various processes for executing electronic payment. For example, the payment management unit 314 performs payment processing based on the payment information received from the terminal 120 of the user or the terminal of the store. The payment process includes a process of subtracting the amount of money included in the payment information from the balance of the account of the user to be paid, and adding the payment amount to the balance of the account of the payee specified by the payment information.

In addition, when the user has set postpayment, the settlement management unit 314 specifies the repayment period based on the payment date selected by the user, and calculates the interest according to the repayment period. The payment management unit 314 transmits payment amount information including the calculated interest to the terminal 120. A publicly known technique may be used to calculate the interest.

In addition, the payment management unit 314 calculates the interest according to the payment period each time the payment date information is acquired from the terminal 120, and transmits the payment amount information including the calculated interest to the terminal 120. As a result, the user can grasp the amount of payment including interest when the payment date is changed.

In addition, when acquiring a plurality of payment dates by installment payment from the terminal 120, the payment management unit 314 specifies a payment period from the final payment date and calculates interest according to the payment period. The payment management unit 314 basically divides the amount of payment including interest by the number of divisions to calculate the amount of payment per payment.

The payment management unit 315 executes the payment process after the payment request from the terminal 120 is received. The payment process depends on the payment method. For example, when the payment method is bank transfer, the payment management unit 315 executes a payment amount transfer process from the connected bank, and when the payment method is convenience store payment, the payment management unit 315 makes the payment at the convenience store. The reception number and the confirmation number are issued so as to be possible, and each issued number is notified to the terminal 120 via the transmitting/receiving unit 312. Further, in the case of convenience store payment, the payment management unit 315 may generate a two-dimensional code including the payment amount and the payee, and notify the terminal 120 via the transmission/reception unit 312.

In addition, when the payment management unit 315 confirms the payment by the above-described payment process, the payment management unit 315 executes a subtraction process between the payment amount and the interest. Each information indicating the interest and the payment amount after the subtraction process is transmitted to the terminal 120.

(2) Functional configuration of terminal FIG. 8 is a diagram showing an example of a functional configuration of the terminal 120 according to an embodiment of the present disclosure. The functional unit disclosed in FIG. 8 is realized by cooperation of the processor 201 included in the information processing apparatus 200, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205.

As illustrated in FIG. 8, the terminal 120 includes, for example, an input/output unit 411, a transmission/reception unit 412, a display control unit 413, a payment processing unit 414, a payment processing unit 415, and a storage unit 420. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) as far as possible.

The input/output unit 411 can be realized by the processor 201 via the input/output I/F 204, for example. Further, the transmission/reception unit 412 can be realized by the processor 201 via the communication I/F 205, for example. The display control unit 413, the payment processing unit 414, and the payment processing unit 415 can be realized by the processor 201 reading and executing the program stored in the storage unit 420. The storage unit 420 can be realized using the memory 202 and/or the storage 203.

The storage unit 420 stores a program executed by the terminal 120 according to the embodiment, and stores, for example, a program related to processing related to electronic payment, processing related to postpayment, and processing related to payment. The program that executes each process may be another program.

The input/output unit 411 has a function of receiving input of various data via the input/output I/F 204 and a process of outputting various data via the input/output I/F 204. For example, the input/output unit 411 receives a user operation on the touch panel or the like.

The transmission/reception unit 412 has a function as a reception unit that receives various data from the server 110 via the communication I/F 205 and a transmission unit that transmits various data to the server 110 using the communication I/F 205.

The various data to be transmitted include, for example, payment information and post-payment setting information. Further, the post-payment setting information may be included in the payment information, or may include change information for changing the post-payment setting. The various data received include, for example, interest information for the post-payment setting, payment amount information, and the like.

The display control unit 413 controls the display of a payment screen or a post-payment setting screen on a display device (for example, a touch panel) based on the received screen information. The display control unit 413 controls the display of the calendar on the display screen after the user selects postpay. The display control unit 413 also controls the display of the interest information and/or the payment amount information received by the transmitting/receiving unit 412.

When the input/output unit 411 receives the user's first operation of selecting the post-payment process for the payment process, the display control unit 413 controls the display of the calendar on the screen.

The payment processing unit 414 selects a date according to the user's second operation for an arbitrary date on the calendar displayed on the screen, and sets the selected date to the payment date of the post-payment process. For example, the payment processing unit 414 sets a date freely set by the user as a payment date for post-payment. As a result, the convenience of the user in the post-payment system can be improved.

When the input/output unit 411 receives the user's third operation for selecting the number of divisions for post-payment processing, the payment processing unit 414 determines the number of divisions according to the user's second operation for selecting the date on the calendar. You may just select the date on the calendar. For example, when the user sets the number of postpaid divisions to 3, the payment processing unit 414 accepts selection of dates for 3 days and sets these dates to the payment date. With this, even in the case of installment payment, the user can decide the payment date for his/her convenience and can select the payment date on the calendar, so that the convenience of the post-payment system is improved.

The transmitting/receiving unit 412 also receives, from the server 110, payment amount information including interest information corresponding to a payment period based on the date selected by the user. The payment management unit 314 acquires this payment amount information and outputs it to the display control unit 313 for display on the screen.

The display control unit 313 may control the display by associating the payment amount information including the interest information with the payment date of the calendar displayed on the screen. Displaying the payment amount information in association with each other on the payment date means, for example, displaying the payment amount information in the display frame of the payment date, or displaying the payment amount information via the connection unit from the payment date display area. , Including displaying payment amount information in the screen displayed by selecting the payment date. This allows the user to easily understand how much to pay on the payment date after selecting the payment date on the calendar. Further, the payment date includes interest, so that the user can grasp the amount of money that should be repaid. Note that the display control unit 313 may display the interest separately from the payment amount.

Further, the payment date selected by the user can be changed. For example, the user can change the payment date on the calendar many times until the payment condition is determined once. At this time, the transmitting/receiving unit 412 receives the payment amount information including the interest information corresponding to the payment period based on the date selected by the user from the server 110 each time the user changes the date. The payment management unit 314 acquires the payment amount information each time the user changes the date, and outputs the payment amount information to the display control unit 313 for displaying the payment amount information on the screen.

Each time the user changes the date, the display control unit 313 may control the display by associating the payment date including the interest information with the payment date of the calendar displayed on the screen. Thereby, the user can grasp the change of the payment amount based on the interest while changing the payment date. In addition, the processing system 1 can provide a user interface for changing the payment amount in real time as the payment date is changed.

Further, when the calendar displayed on the screen includes a plurality of payment dates by installment payment, the input/output unit 411 receives the user's fourth operation for changing the payment amount information associated with each payment date. In response to the user's fourth operation, the payment processing unit 414 transmits the changed payment amount information to the server 110 via the transmission/reception unit 412. For example, the payment processing unit 414 acquires the changed payment amount information by increasing or decreasing the payment amount information determined by the server 110 or inputting the payment amount information by a user operation. As a result, the user can change the payment amount according to his/her own convenience, and thus the convenience of the post-payment system can be further improved. At this time, the server 110 may recalculate the interest as the payment amount increases or decreases.

Further, it is assumed that the user presses the decision button displayed on the screen with the payment date selected. The payment condition is determined in response to the pressing of the determination button, and the payment condition information indicating the payment condition is transmitted to the server 110.

After that, it is assumed that the user presses a condition change button or the like included in the calendar displayed on the screen. At this time, the payment processing unit 414 may determine whether or not to permit the change of the determined payment condition based on the credit line of the user. The credit line is set by, for example, an electronic commerce platform.

For example, the payment processing unit 414 transmits the payment condition information indicating the changed payment condition (at least one of the payment date and the payment amount) to the server 110 via the transmission/reception unit 412. The server 110 refers to the credit line of this user, determines whether or not the payment condition is changed within the credit line, and transmits the determination result to the terminal 120. If the determination result is OK, the payment condition is changed, and if the determination result is NG, the message of NG is displayed on the screen. As a result, it is possible to prevent the payment condition once determined from being unconditionally changed, reduce communication due to unnecessary change of the payment condition, and use the communication band efficiently.

Specifically, the payment amount is changed according to the change of the payment date, and the payment management unit 314 of the server 110 determines whether the changed payment amount is within the credit line. The transmitter/receiver 412 of the terminal 120 receives this determination result. Further, when the credit line of the user is transmitted to the terminal 120, it is possible for the terminal 120 side to determine whether or not the changed payment condition is within the credit line.

<Operation Processing of Processing System in Embodiment>
FIG. 9 is a diagram illustrating an example of a sequence of a processing procedure regarding post-payment performed by the processing system 1 according to an embodiment of the present disclosure. In the example shown in FIG. 9, it is assumed that the user selects post-payment at the time of payment and that a calendar for selecting the payment date is displayed on the display screen of the terminal 120.

In step S102, the input/output unit 411 of the terminal 120 accepts a user operation for selecting a calendar payment date, and the transmission/reception unit 412 provides post-payment setting information including the usage amount of electronic payment and the selected payment date to the server 110. Send to.

In step S104, the transmission/reception unit 312 of the server 110 receives the post-payment setting information, and the payment management unit 314 calculates a predetermined interest according to the usage amount included in the post-payment setting information and the payment date. As a method of calculating interest, a publicly known calculation formula may be used. The payment management unit 314 specifies the payment period according to the payment date.

In step S106, the transmission/reception unit 312 of the server 110 transmits the payment amount information including the interest information on each payment date to the terminal 120.

In step S108, the display control unit 413 of the terminal 120 controls the display of each payment amount information in association with each payment date.

In step S110, when the user finally determines the payment condition for postpaid payment, for example, when the determination button displayed on the screen is pressed, the payment processing unit 414 of the terminal 120 causes the payment processing unit 414 to notify that the payment condition has been determined. Is transmitted to the server 110 via the transmission/reception unit 412.

In step S112, the payment management unit 315 of the server 110 performs a debt collection process (payment process) based on the determined payment conditions. For example, the payment management unit 315 performs processing such as withdrawal of the payment amount from the bank account on the payment date, generation of a two-dimensional code in the case of payment at a convenience store, and transmission of the two-dimensional code to the terminal 120.

In step S114, the payment management unit 315 of the server 110 executes the subtraction processing of the payment amount and the interest when the payment processing is executed on each payment date.

In step S116, the transmitting/receiving unit 312 of the server 110 transmits the payment amount information including the updated interest information to the terminal 120.

In step S118, the display control unit 413 of the terminal 120 controls the display of each updated payment amount information in association with each payment date. The payment date when the payment is completed may be displayed separately from the payment date when the payment is not completed.

According to the above processing, the user can set the payment date for postpay at his or her own convenience, and can set the payment date based on the date on which the salary or the part-time job fee is transferred, for example. Further, according to this process, since the payment date can be selected on the calendar, it is possible to provide a user interface in which the payment date can be easily selected from the viewpoint of affinity between the date and the calendar. As a result, according to the disclosed process, it is possible to provide a post-payment system with improved convenience for the user.

<Display Mode of Embodiment>
A display mode on the display screen of the terminal 120 according to the embodiment will be described with reference to FIGS. FIG. 10 is a diagram showing a transition example on the payment selection screen of the terminal 120 according to an embodiment of the present disclosure. The screen D10 illustrated in FIG. 10 is an example of a screen on which a calendar for selecting a payment date for postpay is displayed. The user can use this calendar to select an arbitrary date and set the payment date.

For example, the calendar may be selectable up to the longest repayable date within the personal credit line. In the example shown in FIG. 10, February 28 is the longest payment date (repayment date), and the date after March 1 cannot be selected by the user. To do this, the payment processing unit 414 of the terminal 120 may acquire the credit line of the user, calculate the longest payment date within the range of the credit line, and reflect it in the calendar. In the credit line, for example, the maximum debt and the maximum payment period for the user are set.

When the user sets bank withdrawal as the payment method, it is preferable that only the bank business day can be selected as the payment date. Further, in the example shown in FIG. 10, the number of divisions is three, and the number of divisions is described on the date selected by the user so that the user can easily understand how many payment dates have been selected. To do.

In the screen D10 shown in FIG. 10, when the confirmation button B10 is operated by the user, the confirmation screen D12 is displayed on the display screen of the terminal 120. The confirmation screen D12 displays the balance of payment, the number of divisions C10, the payment schedule, the payment method C12, and the like. The payment schedule displays the payment amount on each payment date, and the payment amount includes interest.

If the user increases the number of divisions, increases the payment amount on the payment date, or changes the payment date, the payment amount changes according to the change. The user can select a payment method such as convenience store payment, withdrawal from a bank account, payment from electronic value, payment from sales proceeds on an electronic commerce platform, and the like.

FIG. 11 is a diagram showing an example of a payment screen of the terminal 120 according to an embodiment of the present disclosure. In the example shown in FIG. 11, the user has a sales amount of 2580 yen on the electronic commerce platform, and can specify and pay the amount.

<Modification>
Various modifications may be applied to the above-described embodiment. For example, as for the maximum payment period based on the credit line, the default payment period may be changed according to the creditworthiness of the user. In addition, the payment management unit 314 or the payment processing unit 414 may suggest the number of divisions to the user according to the payment amount of postpayment. Further, when the fee is changed due to the change of the payment method, the fee may be included in the payment amount and displayed on the screen. For example, in the case of convenience store payment, a separate fee will be charged, but this fee may be included in the payment amount.

Also, if you can stamp a payday or extra income on the calendar displayed on the screen, or if the product is sold on the e-commerce platform and sales are paid, the amount and a predetermined mark will be displayed on the calendar The terminal 120 may have a function such as being performed. Further, in the above-described embodiment, an example in which a calendar is displayed has been described, but the display control unit 413 of the terminal 120 does not necessarily have to display the calendar, and a payment date for selecting a year, month, or day by a pull-down method. You may make it display a selection screen. Even when the payment date selection screen that is not a calendar is displayed, the user can flexibly select the payment date, so that the post-payment system with improved convenience for the user can be used.

1... Processing system, 110... Server, 120... Terminal, 120A... Terminal, 120B... Terminal, 120C... Terminal, 200... Information processing device, 201... Processor, 202... Memory, 203... Storage, 204... Input/output interface (input Output I/F), 205... Communication interface (communication I/F), 311... Input/output unit, 312... Transceiver unit, 313... Display control unit, 314... Payment management unit, 315... Payment management unit, 320... Storage unit 411... I/O unit, 412... Transceiver unit, 413... Display control unit, 414... Payment processing unit, 415... Payment processing unit, 420... Storage unit

Claims (8)

In the information processing device,
Accept the user's first operation to select post-payment processing for payment processing,
Display control of the calendar on the screen,
A program for executing a process of setting a date selected according to a second operation of the user with respect to an arbitrary date of the calendar to a payment date of the post-payment process. Causing the information processing apparatus to further execute a process of accepting the third operation of the user for selecting the number of divisions for the post-payment process,
Setting the payment date is
The program according to claim 1, further comprising selecting dates of the calendar by the number of times of division according to a second operation of the user. Acquiring payment amount information including interest information according to a payment period based on the date selected by the user,
The program according to claim 1 or 2, further causing the information processing apparatus to execute a process of displaying and controlling the payment amount information including the interest information in association with the payment date of the calendar. The payment date selected by the user can be changed,
Getting the interest is
Obtaining payment amount information including interest information updated according to the repayment period based on the changed payment date,
The display control in association with the payment amount information is
The program according to claim 3, further comprising: controlling the display by associating the payment amount information including the updated interest information with the changed payment date of the calendar. If the calendar includes multiple payment dates in installments,
The program according to claim 3 or 4, further causing the information processing apparatus to execute a process of changing the payment amount information associated with the payment date in accordance with the fourth operation of the user. The program according to any one of claims 1 to 5, further causing the information processing apparatus to execute a process of determining whether or not to permit the change of the determined payment condition based on the credit line of the user. The information processing device
Accept the user's first operation to select post-payment processing for payment processing,
Display control of the calendar on the screen,
An information processing method for executing a process of setting a date selected according to a second operation of the user with respect to an arbitrary date of the calendar to a payment date of the post-payment process. An input unit that receives a first operation of a user who selects post-payment processing for payment processing;
A display control unit that controls the display of the calendar on the screen,
A payment processing unit that sets a date selected according to the second operation of the user with respect to an arbitrary date of the calendar to a payment date of the post-payment process;
An information processing apparatus including.