JP2022066739A - Information processing equipment, information processing method, and program - Google Patents

Abstract

To provide information processing equipment, an information processing method and a program capable of enhancing convenience of users in payments between users and insurance companies.SOLUTION: In a system, an electronic payment server 100 as information processing equipment includes: a billing information acquisition unit 160 for acquiring billing information including a planned acquisition amount due to a claim for insurance payments or benefits made by the user; and a second amount frame setting unit 190 for setting a second amount frame in addition to a first amount frame set in advance in an electronic payment service when the user uses the electronic payment service before the planned acquisition amount is paid to the user.SELECTED DRAWING: Figure 1

Description

The present invention relates to an information processing apparatus, an information processing method, and a program.

The invention of a system is disclosed in which a third party reimburses the payment of goods or services before the user receives insurance or benefits, and the user pays the costs in arrears. For example, in Patent Document 1, when a policyholder receives medical or long-term care services before receiving insurance claims or benefits, an external advance payment institution pays the service costs through the policyholder's IC card. It is disclosed that it will be replaced.

Japanese Unexamined Patent Publication No. 2002-56096

However, the technique described in Patent Document 1 is premised on concluding a special contract regarding advance payment between the policyholder and the insurance company prior to the advance payment. As a result, policyholders are burdened with procedures, and in particular, users who conclude multiple insurance contracts need to conclude special contracts each time, so it is expected that the burden will be even greater. .. As described above, the conventional technique may not be sufficiently convenient for the user.

The present invention has been made in consideration of such circumstances, and one of the objects of the present invention is to provide an information processing apparatus, an information processing method, and a program that can enhance convenience for a user.

In the information processing device according to one aspect of the present invention, a billing information acquisition unit for acquiring billing information including a billing amount including an amount scheduled to be acquired by a claim for insurance claims or benefits made by the user, and the scheduled acquisition amount are paid to the user. When the user uses the electronic payment service before, the user is provided with a second amount frame setting unit for setting a second amount frame in addition to the first amount frame preset in the electronic payment service. be.

According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can enhance convenience for a user.

It is a block diagram which shows the example of the whole structure of the system 1 using the information processing apparatus which concerns on embodiment of this invention. It is a figure which shows the 1st scene which the electronic payment is executed. It is a figure which shows the 2nd scene where an electronic payment is executed. It is a figure which shows the exemplary structure of the user insurance information table 53A stored in the storage part 53. It is a figure which shows the exemplary structure of the examination passing rate table 53B stored in the storage part 53. It is a figure which shows an example of the content of the user payment information table 200A stored in the storage unit 200, and the change thereof. It is a figure which shows the outline of the processing realized by the cooperation of the terminal apparatus 10, the insurance server 50, and the electronic payment server 100. It is a sequence diagram which shows an example of the flow of the process performed by the terminal apparatus 10, the insurance server 50, and the electronic payment server 100 which concerns on embodiment. It is a sequence diagram which shows an example of the flow of the process performed by the terminal apparatus 10, the insurance server 50, and the electronic payment server 100 which concerns on modification 1. FIG. It is a figure which shows the exemplary structure of the area deferred payment table 200B stored in the storage part 200.

<Embodiment>
Hereinafter, the information processing apparatus, the information processing method, and the program according to the embodiment of the present invention will be described with reference to the drawings.

[System configuration]
FIG. 1 is a block diagram showing an example of the overall configuration of the system 1 using the information processing apparatus according to the embodiment of the present invention. The system 1 includes, for example, an insurance server 50 and an electronic payment server 100. The insurance server 50 and the electronic payment server 100 communicate with the terminal device 10 via the network NW. The network NW includes the Internet, LAN (Local Area Network), WAN (Wide Area Network), cellular network and the like. The electronic payment server 100 includes an information processing device.

The terminal device 10 is, for example, a portable computer device having a communication function such as a smartphone or a tablet terminal. The terminal device 10 operates an electronic payment application that enables the purchase of goods or services electronically. In the present embodiment, the electronic payment application is assumed to be a payment application using a QR code, but instead, a medium for making a payment using a credit card or electronic money may be used.

The terminal device 10 includes, for example, a communication unit 11, an input / output unit 12, and a control unit 13. The communication unit 11 includes a communication interface such as a wireless communication device. The input / output unit 12 is, for example, a touch panel in which a display and a contact sensor are integrated. The control unit 13 is realized by a processor such as a CPU (Central Processing Unit) executing an electronic payment application.

The communication unit 11 transmits to the insurance server 50 the insurance claim or benefit claim information claimed by the user by operating the browser or the like. The insurance claim or benefit claim information may be transmitted to the insurance server 50 from a device other than the terminal device 10, or may be transmitted to the insurance server 50 by telephone. Further, the communication unit 11 transmits / receives information necessary for the operation of the electronic payment application to / from the electronic payment server 100. The input / output unit 12 displays an interface screen for the user to confirm or instruct the operation of the electronic payment application. The control unit 13 executes various processes described below based on the information obtained from the electronic payment server 100 via the communication unit 11 and the information instructed by the user via the input / output unit 12.

[Electronic payment service]
Here, with reference to FIGS. 2 and 3, an outline of the mechanism of the electronic payment service will be described. FIG. 2 is a diagram showing a first scene in which electronic payment is executed. As shown in FIG. 2, the input / output unit 12 of the terminal device 10 has a QR code (registered trademark) read by a camera (not shown) of the terminal device 10, a charge balance, a bonus balance, and a postpaid frame. A radio button is displayed.

The QR code is a two-dimensional code in which information such as the payee of the goods or services is encoded when purchasing the goods or services. In FIG. 2, a camera (not shown) of the terminal device 10 reads the QR code installed in the store, so that the electronic payment application decodes the QR code and recognizes the payment destination. When the electronic payment application recognizes the payment destination, the user specifies the payment amount and the payment method through the input / output unit 12 of the terminal device 10. Payment methods include, for example, a charge balance (default), a bonus balance, and a postpaid allowance. When the user selects one of the payment methods and presses the payment button, the payment is completed. After that, the electronic payment application may withdraw the payment amount from each of the charge balance, the bonus balance, or the postpayable frame, and display the value after the withdrawal in the input / output unit 12.

The charge balance is the balance amount that the user has deposited into the electronic payment service through cash, a bank, a credit card, or other remittance means. Since the charge balance is set as the default payment item, when purchasing goods or services, the withdrawal is preferentially executed unless the radio button corresponding to the bonus balance or the postpaid allowance is selected.

The bonus balance is the balance amount of the privilege given according to the usage amount of the electronic payment service by the user. For example, if the payment amount is deducted from the charge balance when the user purchases the goods or services, 3% of the payment amount is given as a bonus. The granted bonus will be preferentially withdrawn by checking the adjacent radio button at the next purchase of goods or services. For example, in the setting of FIG. 2, when paying 1000 yen, 600 points corresponding to 600 yen are first deducted from the bonus balance, and then 400 yen is deducted from the charge balance.

A postpaid allowance is an amount that a user can use to purchase an article or service without having to pre-pay for the electronic payment service. The amount used is settled, for example, by being deducted from the charge balance on the specified day of the following month. Hereinafter, payment in such an manner will be referred to as "deferred payment". That is, the user can use postpay to purchase goods or services in the current month without holding cash and delay the actual payment to the next month. The postpaid allowance limit is the amount frame obtained by subtracting the used amount from the postpaid limit amount indicating the monthly upper limit amount for which postpayment is permitted. In the present embodiment, the electronic payment service performs settlement on a monthly basis, but the unit period of settlement is not limited to the month. If the user wishes to pay later, the process related to the postpay can be advanced by checking the radio button adjacent to the postpayable frame.

The deferred payment may be used in combination with the withdrawal from the charge balance or the bonus balance. For example, in the setting shown in FIG. 2, when purchasing an item of 1000 yen, the two radio buttons corresponding to the bonus balance and the deferred payment limit are available. By checking both, 600 yen will be deducted from the bonus balance first, and the remaining 400 yen will be subject to deferred payment. Further, when using a medium for making a payment using a credit card or electronic money, the use of postpay may be specified via a notification sent to a pre-registered smartphone or the like.

The postpayable limit is calculated based on the user payment information table 200A stored in the storage unit 200 of the electronic payment server 100. Specifically, the postpaid possible limit is calculated by subtracting the postpaid usage amount from the added value of the postpaid setting frame and the special postpaid frame set for each user. The electronic payment server 100 transmits the calculated postpayable frame to the terminal device 10, and the input / output unit 12 of the terminal device 10 displays this. Details of the user payment information table 200A will be described later with reference to FIG.

The original information of the charge balance, the bonus balance, and the postpayable frame is stored in the storage unit 200 of the electronic payment server 100. The electronic payment application acquires this information via the communication unit 11 of the terminal device 10, but a part or all of the above information may be held by the electronic payment application at least temporarily.

FIG. 3 is a diagram showing a second scene in which electronic payment is executed. In FIG. 3, the composition of the payment amount, the charge balance, the bonus balance, and the postpayable allowance is the same as in FIG. On the other hand, regarding the QR code, in the case of FIG. 2, the camera of the terminal device 10 reads the QR code installed in the store, whereas in the case of FIG. 3, the electronic payment application independently makes a payment. The QR code is displayed, and the QR code reader installed at the store executes the payment by reading the QR code.

[Insurance server]
The insurance server 50 is a device that receives claim information of insurance claims or benefits claimed by the user from the terminal device 10 and processes subsequent examination and payment procedures. The insurance server 50 includes, for example, a communication unit 51, a control unit 52, and a storage unit 53. The communication unit 51 includes, for example, a communication interface such as a NIC, and communicates with the terminal device 10 and the electronic payment server 100.

The control unit 52 is mainly composed of a processor such as a CPU. The control unit 52 uses the communication unit 51 to receive the insurance claim or benefit claim information claimed by the user from the terminal device 10, stores the received claim information in the storage unit 53, and at the same time, the electronic payment server 100. Send to. Further, the control unit 52 uses the communication unit 51 to provide the information of the user insurance information table 53A and the examination pass rate table 53B stored in the storage unit 53 to the electronic payment server 100 as needed. The storage unit 53 is realized by a storage device such as an HDD, a flash memory, or a RAM (Random Access Memory).

FIG. 4 is a diagram showing an exemplary configuration of the user insurance information table 53A stored in the storage unit 53. As shown in FIG. 4, in the user insurance information table 53A, information such as insurance type, billing date, billing amount, examination status, and payment status is associated with the user ID.

The user ID is identification information for identifying a user who has requested insurance claims or benefits. The user ID functions as a primary key of the user insurance information table 53A. The insurance type is information indicating the type of insurance money or benefit claimed by the user. As the insurance type, any insurance such as life insurance, non-life insurance, and medical insurance may be set. The insurance type is an example of "content information". The billing date is the date on which the user claims insurance or benefits through the terminal device 10. The billed amount is the amount of insurance money or benefit claimed by the user. The examination status is the examination status of the request by the user. As the examination status, one of "under examination", "approved", and "disapproved" is set. When the insurance server 50 receives the billing information from the terminal device 10 and stores it in the user insurance information table 53A, "under examination" is set as the initial value. The payment status is the payment status of insurance claims or benefits to the user. As the payment status, either "paid" or "paid" is set. When the insurance server 50 receives the billing information from the terminal device 10 and stores it in the user insurance information table 53A, "not paid" is set as the initial value.

FIG. 5 is a diagram showing an exemplary configuration of the examination pass rate table 53B stored in the storage unit 53. As shown in FIG. 5, in the examination pass rate table 53B, the insurance type and the examination pass rate are associated with each other.

The insurance type is information indicating the type of insurance money or benefit claimed by the user, and is the same item as the insurance type shown in FIG. The examination pass rate is a value obtained by calculating the number of records whose examination status is "approved" with respect to the number of records whose examination status is "approved" or "disapproved" for each insurance type based on the user insurance information table 53A. .. The control unit 52 recalculates the examination pass rate for each record of the user insurance information table 53A for the insurance type of the record each time the examination status is updated from "under examination" to "approved" or "disapproved". Then, the examination pass rate of the examination pass rate table 53B is updated.

[Electronic payment server]
The electronic payment server 100 is a device that enables a user to make an electronic payment related to the purchase of goods or services in cooperation with the electronic payment application of the terminal device 10. The electronic payment server 100 further receives claim information of insurance claims or benefits claimed by the user from the insurance server 50, and sets a special deferred payment limit based on the claim information. The electronic payment server 100 includes, for example, a communication unit 110, a charge balance / bonus balance setting unit 120, a payment processing unit 130, a postpay processing unit 140, a first amount frame setting unit 150, and a billing information acquisition unit 160. , A credit information acquisition unit 170, an examination pass rate acquisition unit 180, a second amount frame setting unit 190, and a storage unit 200. A component including at least a billing information acquisition unit 160, a credit information acquisition unit 170, an examination passing rate acquisition unit 180, and a second amount frame setting unit 190 is an example of an “information processing device”.

Charge balance / bonus balance setting unit 120, settlement processing unit 130, postpay processing unit 140, first amount frame setting unit 150, billing information acquisition unit 160, credit information acquisition unit 170, and examination pass rate acquisition unit. Each of 180 and the second amount frame setting unit 190 is realized by, for example, a hardware processor such as a CPU (Central Processing Unit) executing a program (software). Some or all of these components are hardware (circuit parts) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit). It may be realized by (including circuits), or it may be realized by the cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device including a non-transient storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or a removable storage such as a DVD or a CD-ROM. It is stored in a medium (non-transient storage medium) and may be installed by mounting the storage medium in a drive device.

The communication unit 110 includes, for example, a communication interface such as a NIC. The communication unit 110 receives information necessary for operating the electronic payment service from the terminal device 10, and also receives insurance claim or benefit claim information claimed by the user from the insurance server 50.

The charge balance / bonus balance setting unit 120 adds the deposit amount to the charge balance of the user payment information table 200A according to the payment to the electronic payment service by the user. The charge balance / bonus balance setting unit 120 further adds a bonus according to the payment amount to the bonus balance of the user payment information table 200A when the user purchases goods or services using the charge balance.

FIG. 6 is a diagram showing an example of the contents of the user payment information table 200A stored in the storage unit 200 and its changes. As shown in FIG. 6, the user payment information table 200A provides information such as charge balance, bonus balance, credit score, postpaid setting, postpaid setting frame, special postpaid frame, postpaid limit frame, and postpaid usage amount for the user ID. It is associated. The deferred payment setting frame is an example of the "first amount frame", and the special deferred payment frame is an example of the "second amount frame".

The user ID is identification information for identifying a user of the electronic payment service. The user ID functions as a primary key of the user payment information table 200A. The charge balance is the balance amount that the user has deposited into the electronic payment service through cash, a bank, a credit card, or other remittance means, similar to those shown in FIGS. 2 and 3. The bonus balance is the balance amount of the privilege given according to the usage amount of the electronic payment service by the user. The credit score is information indicating the credit ability of each user. The credit score may be provided by an external credit institution such as the insurance server 50, or the electronic payment server 100 may use the credit data provided by the external credit institution as correct answer data for shopping, auction, and search. The behavior history such as a query may be estimated as learning data using a credit rating estimator learned by machine learning. The postpay setting is flag information indicating whether or not the use of postpay is permitted for each user. The deferred payment setting may be set through the electronic payment application according to the wishes of each user, or may be set automatically or according to the user's operation for the user whose credit score is equal to or higher than a certain threshold value. In the example of FIG. 6, it is assumed that postpayment is automatically permitted and set for a user having a credit score of 50 or more. The postpaid setting frame is a postpaid setting amount that can be used by each user every predetermined period (for example, one month). A special postpaid allowance is an additional and possibly temporary postpaid set amount that is permitted to be used in response to a user's claim for insurance or benefits. The deferred payment limit is the sum of the deferred payment setting frame and the special deferred payment frame. That is, the deferred payment limit means the maximum amount of deferred payment that can be used by the user in a predetermined period. The postpaid usage amount is the total amount of postpaid used by each user during a predetermined period. The hatched portion in the lower figure in FIG. 6 is a portion changed from the upper figure as a result of newly setting a special deferred payment frame. This will be described later.

When a user purchases an article or service using an electronic payment application, the payment processing unit 130 cooperates with the electronic payment application to perform various processes necessary for executing payment. For example, specifically, the payment processing unit 130 subtracts the payment amount from the charge balance or bonus balance of the user payment information table 200A when the user purchases an article or service using the charge balance or bonus balance. do.

When a user purchases an article or service by postpay using an electronic payment application, the postpay processing unit 140 performs various processes necessary for executing the postpay in cooperation with the electronic payment application. For example, specifically, when the user selects the postpay and executes the payment, the postpaid processing unit 140 adds the postpaid amount to the postpaid usage amount and at the same time subtracts the postpaid usage amount after the addition from the postpaid limit frame. By doing so, the user's postpaid allowance is obtained. Further, for example, the deferred payment processing unit 140 deducts the deferred payment usage amount from the charge balance every predetermined period (for example, one month), and at the same time, resets the deferred payment usage amount to 0.

The first amount frame setting unit 150 sets the deferred payment setting frame for the user of "Y" whose deferred payment setting has a positive meaning. As shown in FIG. 6, the deferred payment setting frame is set to a higher amount as the credit score is higher, but instead, for example, the same amount may be set for a user whose credit score is equal to or higher than the threshold value. .. Further, the first amount frame setting unit 150 may set the deferred payment setting frame to zero for the user whose deferred payment setting is set to "N" indicating a negative meaning.

The claim information acquisition unit 160 acquires claim information for insurance claims or benefits claimed by the user from the insurance server 50. The billing information preferably includes at least information that can recognize the billing amount, and may include other information, such as information such as a desired billing date.

The credit information acquisition unit 170 acquires the credit score of each user. For example, the credit information acquisition unit 170 acquires a credit score for each user from an external credit institution such as an insurance server 50. Further, the credit information acquisition unit 170 uses a credit rating estimator learned by machine learning using credit data provided by an external credit institution as correct answer data and behavior history such as shopping, auction, and search query as learning data. , The credit score may be estimated.

The examination passing rate acquisition unit 180 acquires the examination passing rate related to the claim of insurance money or benefit for each user. For example, the examination passing rate acquisition unit 180 acquires a table including the examination passing rate for each insurance type in advance from the insurance server 50, and obtains the examination passing rate corresponding to the insurance type included in the user's billing information in the table. , Acquired as the screening pass rate of the user. Instead of this, the examination passing rate acquisition unit 180 may estimate the examination passing rate based on the user's own behavior history.

The second amount frame setting unit 190 sets a special deferred payment in response to a user's claim for insurance or benefits. When the billing information acquisition unit 160 acquires the insurance claim or benefit claim information, the second amount frame setting unit 190 always sets the deferred payment setting to "Y" for the corresponding user, and the claim included in the claim information. Set the amount in the special deferred payment limit. As a result, the deferred payment limit is increased by the amount of the special deferred payment limit. Referring to FIG. 6, the postpaid limit of user A is increased from 30,000 yen to 78,000 yen, and the postpaid limit of user B is increased from 50,000 yen to 62,000 yen. This is because, as shown in FIG. 4, the user A claims 48,000 yen as the smartphone failure insurance, and the user B claims 12,000 yen as the accommodation cancellation insurance, so that a special deferred payment limit is set. As a result, the user can use the amount of the postpaid amount corresponding to the insurance money or the benefit for the purchase of the goods or services without requiring complicated procedures in advance.

In FIG. 6, the deferred payment setting of the user C, whose credit score is low and the deferred payment setting is "N", is also changed to "Y", and the special deferred payment limit is set to 70,000 yen. This is because even User C, who normally has a low credit score, can judge that the credit capacity has increased because there is collateral such as insurance money or benefits. In FIG. 6, even for user C having a low credit score, the entire amount billed is set as a special deferred payment limit, but instead, for a user with a low credit score, the set amount of the special deferred payment limit is discounted. You may. As a result, based on the user's billing information and credit information, even a user who usually has a low credit ability and cannot permit the use of the postpaid can be flexibly and highly securely permitted to use the postpaid.

Further, in FIG. 6, the second amount frame setting unit 190 sets the billing amount of each user as it is as a special deferred payment frame. However, as an alternative, the second amount frame setting unit 190 may set a special deferred payment frame according to the examination pass rate acquired by the examination pass rate acquisition unit 180. For example, in the examination pass rate table 53B of FIG. 5, the examination pass rate of smartphone failure insurance is calculated to be 88%. Therefore, the second amount frame setting unit 190 may set the special deferred payment frame of the user A to 48000 × 0, 88 = 42240 yen. As a result, for claims for insurance claims or benefits with a low screening pass rate, the use of postpayment can be permitted with higher security by lowering the set amount of the special postpayment limit.

FIG. 7 is a diagram showing an outline of processing realized by the cooperation of the terminal device 10, the insurance server 50, and the electronic payment server 100. First, the user inputs insurance claim or benefit claim information via the input / output unit 12 of the terminal device 10, and transmits the claim information to the insurance server 50 using the communication unit 11. When the insurance server 50 receives the billing information via the communication unit 51, the insurance server 50 stores the billing information in the user insurance information table 53A and at the same time transmits the billing information to the electronic payment server 100. When the electronic payment server 100 receives the billing information via the communication unit 110, the electronic payment server 100 sets the deferred payment setting to "Y" for the user ID corresponding to the billing information in the user payment information table 200A, and also sets the deferred payment to "Y". The limit is set for the billing amount included in the billing information, and as a result, the postpaid limit limit is increased. The electronic payment server 100 obtains the user's postpaid allowance by subtracting the postpaid usage amount from the postpaid limit, and notifies the terminal device 10 of the obtained postpaid allowance.

Next, the details of the process described with reference to FIG. 7 will be described. FIG. 8 is a sequence diagram showing an example of the processing flow of the present embodiment performed by the terminal device 10, the insurance server 50, and the electronic payment server 100. First, the terminal device 10 transmits the insurance claim or benefit claim information input by the user to the insurance server 50 (S1). Next, when the insurance server 50 receives the billing information, the insurance server 50 stores the billing information in the user insurance information table 53A and at the same time transmits the billing information to the electronic payment server 100 (S2). When the electronic payment server 100 receives the billing information, the deferred payment setting is set to "Y" for the user ID corresponding to the billing information in the user payment information table 200A, and the special deferred payment frame is included in the billing information. Set for the amount billed (S3). As a result, the deferred payment limit increases.

Next, the electronic payment server 100 obtains the user's postpaid limit by subtracting the postpaid usage amount from the postpaid limit, and notifies the terminal device 10 of the obtained postpaid limit (S4). When the terminal device 10 receives the postpaid allowance from the electronic payment server 100, the terminal device 10 updates the postpaid allowance of the electronic payment application, and the user makes a payment using the postpaid for the purchase of goods or services (S5).

Next, the terminal device 10 notifies the electronic payment server 100 of the postpaid payment amount (S6). When the electronic payment server 100 receives the postpaid payment amount, the postpaid usage amount of the user ID corresponding to the billing information in the user payment information table 200A is increased by the payment amount (S7).

Next, the electronic payment server 100 notifies the terminal device 10 of the postpaid possible limit obtained by subtracting the postpaid usage amount from the postpaid limit frame (S8). After that, the user charges the electronic payment service with the amount corresponding to the postpaid usage amount of the current month using the terminal device 10 by the predetermined day of the next month, and the postpaid usage amount is subtracted from the charge balance on the predetermined day. , Settle the deferred payment (S9).

By the above processing, the user can use the amount equivalent to the insurance money or the benefit for the purchase of goods or services by using postpay without requiring complicated procedures in advance. As described above, according to the present embodiment, the convenience for the user can be improved.

In the present embodiment, the settlement of the postpaid payment is executed by the user charging the postpaid usage amount to the electronic payment service by a predetermined date and the electronic payment service withdrawing the usage amount on the predetermined day. However, instead, the postpaid settlement may be performed between the electronic payment service and the insurance company. For example, in FIG. 4, the examination status of the user B who has requested 12000 yen is approved. Therefore, if the user B's postpaid usage amount is 12000 yen or less, the electronic payment service receives an amount equivalent to the user B's postpaid usage amount from the insurance company, and the insurance company receives the balance ("12000 yen-deferred payment"). The usage amount ") may be paid to the user B. On the other hand, if the postpaid usage amount of the user B exceeds 12000 yen, the electronic payment service may receive the entire amount billed by the user B from the insurance company. In that case, the user charges the electronic payment service with an amount equivalent to "deferred payment usage amount-12000 yen" to execute the settlement.

<Modification 1>
Next, the electronic payment server 100 according to the first modification of the present invention will be described. The electronic payment server 100 according to the first modification not only sets a special deferred payment limit according to a claim for insurance claims or benefits, but also limits the use of deferred payment to a specific area. This can facilitate postpayment of goods or services that are closely related to the insurance claims or benefits claimed by the user and reduce the risk of wasted money by the user and unauthorized use by a third party.

FIG. 9 is a sequence diagram showing an example of the processing flow of this modification performed by the terminal device 10, the insurance server 50, and the electronic payment server 100 according to the modification 1. Since S11 and S12 correspond to S1 and S2 in FIG. 8, the description thereof will be omitted. When the electronic payment server 100 receives the claim information of insurance claims or benefits, the electronic payment server 100 determines the postpaid permission area where the use of postpayment is permitted and the set amount of postpayment that can be used by the user in the postpayment permission area based on the claim information. The indicated area special deferred payment frame is set in the area deferred payment table 200B stored in the storage unit 200 (S13).

FIG. 10 is a diagram showing an exemplary configuration of an area postpaid table 200B stored in the storage unit 200. The area postpaid table 200B stores an area postpaid ID, a user ID, a postpaid permission area, an area special postpaid frame, an area postpaid usage amount, and an area postpaid bonus. The area deferred payment ID is identification information for identifying the area deferred payment frame generated in response to the reception of the billing information. Since the area deferred payment frame corresponds to the billing information, not the user, when one user transmits a plurality of types of billing information, a plurality of area deferred payment frames are set for the user. The area postpaid ID functions as the primary key of the user payment information table 200A. The user ID is identification information for identifying a user who has requested an insurance claim or a benefit, as in FIGS. 4 and 6. The postpaid permission area is an area where the use of postpay is permitted. For convenience, the postpaid permission area is designated as the store name in FIG. 10, but it is not limited to this, and arbitrary location information such as GPS information may be used. The area special deferred payment limit is a set amount of deferred payment that can be used by each user in the deferred payment permitted area. The area postpaid usage amount is the total amount of postpaid used by each user in the postpaid permitted area. The area deferred payment bonus is the balance amount of the privilege given in response to the user using the deferred payment in the deferred payment permitted area. The granted area deferred payment bonus can be used for purchasing goods or services in the same manner as the bonus balance of the user payment information table 200A of FIG. By setting the area postpay bonus, the user can be given an incentive to use the postpay in the area.

The electronic payment server 100 notifies the terminal device 10 of the set postpaid permission area and the area special postpaid frame (S14). When the terminal device 10 receives the deferred payment permission area and the area special deferred payment frame, and then the user enters the deferred payment permission area, the terminal device 10 detects the fact based on, for example, GPS information (S15).

Next, the terminal device 10 transmits the user's location information to the electronic payment server 100 (S16). Upon receiving the user's location information, the electronic payment server 100 permits the use of area postpayment based on the location information and the postpayment permission area stored in the area postpayment table 200B (S17). After that, the user makes a payment using area postpay for the purchase of goods or services (S18). The terminal device 10 notifies the electronic payment server 100 of the payment amount of the area postpaid used in the postpaid permission area (S19). Upon receiving the notification, the electronic payment server 100 increases the area postpaid usage amount by the amount of the area postpaid payment amount, and at the same time increases the area postpaid bonus (S20). Next, the electronic payment server 100 notifies the terminal device 10 of the area deferred payment possible frame obtained by subtracting the area deferred payment usage amount from the area special deferred payment frame (S21).

After that, the user uses the terminal device 10 to charge the electronic payment service with the amount equivalent to the area postpaid usage amount of the current month by the predetermined day of the next month, and the postpaid usage amount is deducted from the charge balance on the predetermined day. To settle the deferred payment (S22). Through the above processing, it is possible to promote postpayment of goods or services closely related to the insurance money or benefit claimed by the user, and reduce the risk of wasteful use by the user and unauthorized use by a third party.

<Modification 2>
In the above-described embodiment and modification, the special deferred payment limit or the area special deferred payment limit is set only once based on the claim information of the insurance claim or the benefit claimed by the user. However, as an alternative, the electronic payment server 100 according to the second modification may divide the setting of the special deferred payment frame into a plurality of times. For example, in some death insurance, benefits are paid monthly for a certain period, and in that case, a special deferred payment limit may be set every month during the period. As a result, it is possible to provide the user with the use of postpay in detail according to the details of the insurance plan without increasing the credit risk.

Although the embodiments for carrying out the present invention have been described above using the embodiments, the present invention is not limited to these embodiments, and various modifications and substitutions are made without departing from the gist of the present invention. Can be added.

10 Terminal device 11 Communication unit 12 Input / output unit 13 Control unit 50 Insurance server 51 Communication unit 52 Control unit 53 Storage unit 53A User insurance information table 53B Examination pass rate table 100 Electronic payment server 110 Communication unit 120 Charge balance / bonus balance setting unit 130 Settlement processing unit 140 Deferred payment processing unit 150 1st amount frame setting unit 160 Billing information acquisition unit 170 Credit information acquisition unit 180 Examination pass rate acquisition unit 190 2nd amount frame setting unit 200 Storage unit 200A User payment information table 200B Area deferred payment table

Claims (9)

The billing information acquisition department that acquires billing information including the amount to be acquired by claiming insurance claims or benefits made by the user,
When the user uses the electronic payment service before the planned acquisition amount is paid to the user, a second amount frame is set in addition to the first amount frame preset in the electronic payment service. Equipped with a monetary frame setting unit,
Information processing equipment. Further equipped with a credit information acquisition unit for acquiring the credit information of the user,
The second amount frame setting unit sets the second amount frame based on the billing information and the credit information.
The information processing apparatus according to claim 1. Further equipped with an examination passing rate acquisition unit for acquiring the examination passing rate of the insurance claim or benefit claim made by the user.
When the user uses the electronic payment service before the examination of the insurance claim or the benefit claim, the second amount frame setting unit sets the second amount frame based on the examination passing rate.
The information processing apparatus according to claim 1 or 2. The claim information includes information on the content of the insurance claim or benefit claim made by the user.
The second amount frame setting unit sets the second amount frame based on the content information.
The information processing apparatus according to any one of claims 1 to 3. The second amount frame setting unit sets the second amount frame only when the user makes a payment related to the content information.
The information processing apparatus according to claim 4. Further provided with a privilege granting unit that grants a privilege to the user only when the user makes a payment related to the content information.
The information processing apparatus according to claim 4. When the content information indicates that the benefit is to be divided over a certain period of time, the second amount frame setting unit sets the second amount frame a plurality of times in accordance with the division of the benefit. Set in
The information processing apparatus according to any one of claims 4 to 6. Information processing equipment
Acquire information on the amount of money to be acquired related to the claim for insurance claims or benefits made by the user,
When the user uses the electronic payment service before the acquisition of the planned acquisition amount, a second amount frame is set in addition to the first amount frame preset by the electronic payment service.
Information processing method. On the computer
Have the user acquire information on the amount of money to be acquired related to the claim for insurance claims or benefits made by the user.
When the user uses the electronic payment service before the acquisition of the planned acquisition amount, a second amount frame is set in addition to the first amount frame preset by the electronic payment service.
program.

Images