JP2022116627A - Information processing device, information processing method, and program - Google Patents

Abstract

To provide an information processing device and an information processing method for presenting an appropriate funding amount with a simple method, and a program for making them function.SOLUTION: In a funding system in which a funding management server, a customer terminal and a settlement proxy service management server are connected over a communication network, a control device 11 of the funding management server 10 being an information processing device is provided with a funding plan presentation part 112 for displaying a necessary amount that can be selected by a customer on the basis of a preset maximum funding amount and information on the customer such as a predicted transfer amount calculated on the basis of a transfer amount to the customer by a settlement proxy service.SELECTED DRAWING: Figure 2

Description

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

Credit card companies and the like set a credit limit in order to avoid the risk of not being able to collect the amount used by the customer.

For example, Patent Literature 1 describes a method of determining a usage limit based on a customer's usage amount for a predetermined period so as to maximize the expected profit.

JP 2015-132880 A

In the method described in Patent Document 1, the usage probability distribution is obtained from the customer's past usage amount, and the expected profit is calculated using the obtained usage probability distribution. Needed treatment. For this reason, it was a method that was difficult to apply when providing funds to retail stores and the like quickly.

The present invention has been made in view of the circumstances described above, and one of the objects thereof is to present an appropriate funding amount by a simple method.

An information processing apparatus according to an embodiment of the present invention includes a funding plan presentation unit that displays a required amount that can be selected by a customer based on a preset maximum funding amount and information on the customer. is.

An information processing method according to an embodiment of the present invention includes the step of displaying a required amount that can be selected by the customer based on a preset maximum funding amount and information about the customer.

A program according to an embodiment of the present invention functions as a funding plan presentation unit that displays a required amount that can be selected by the customer based on a preset maximum funding amount and information about the customer. It is something that makes

ADVANTAGE OF THE INVENTION According to this invention, an appropriate funding amount can be presented by a simple method.

1 is a diagram showing a schematic configuration of a funding system 1 according to an embodiment of the present invention; FIG. The figure which shows the functional structure of the fund provision management server 10 in the fund provision system 1 which concerns on embodiment of this invention. 4 is a flowchart showing an example of processing for acquiring customer information in the fund providing system 1 according to the embodiment of the present invention; 4 is a flowchart showing an example of processing for setting a funding plan in the funding system 1 according to the embodiment of the present invention; FIG. 4 is a view exemplifying a fund provision service screen displayed on a customer terminal 20 in the fund provision system 1 according to the embodiment of the present invention; 4 is a flow chart showing an example of a required amount setting process in the funding system 1 according to the embodiment of the present invention. The figure which illustrates the display method of the required amount in the funding system 1 which concerns on embodiment of this invention. 4 is a flow chart showing an example of a withdrawal rate/withdrawal completion period setting process in the fund providing system 1 according to the embodiment of the present invention. FIG. 4 is a diagram illustrating a display method of withdrawal rate/withdrawal completion period in the fund providing system 1 according to the embodiment of the present invention; 4 is a flow chart showing an example of processing for displaying a withdrawal amount on a fund providing service screen in the fund providing system 1 according to the embodiment of the present invention. FIG. 4 is a diagram illustrating a method of displaying a withdrawal amount in the fund providing system 1 according to the embodiment of the present invention; 4 is a flow chart showing an example of the flow of funding to customers in the funding system 1 according to the embodiment of the present invention. 4 is a flow chart showing an example of the flow of withdrawal processing for a customer who has provided funds in the fund provision system 1 according to the embodiment of the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The same reference numerals are given to the same elements, and overlapping explanations are omitted.

FIG. 1 is a diagram showing the configuration of a funding system 1 according to this embodiment. As shown in FIG. 1, the fund provision system 1 includes a fund provision management server (information processing device) 10, a customer terminal 20, and a settlement agent service management server 30. FIG. The fund provision management server 10, the customer terminal 20, and the settlement agent service management server 30 are connected via a communication network N. The communication network N is, for example, the Internet, LAN, telephone line, corporate network, mobile communication network, Bluetooth (registered trademark), WiFi (Wireless Fidelity), other communication lines, combinations thereof, etc. Often, whether wired or wireless. Also, a plurality of customer terminals 20 may be included.

The funding management server 10 is a server that manages funding services for customers (stores, etc.). The funding management server 10 is a general-purpose computer, and may be composed of one computer, or may be composed of a plurality of computers distributed over the communication network N. FIG. The funding management server 10 has a control device 11 and a storage device 12 . The control device 11 includes, as hardware, a CPU, memories such as ROM and RAM, an input interface, an output interface, a communication interface, and a bus connecting these. The control device 11 implements various functions by executing a program stored in a ROM or the like by the CPU. The storage device 12 is a hard disk drive or the like.

FIG. 2 is a block diagram showing functional modules realized by the CPU of the control device 11 executing a program stored in a ROM or the like. As shown in FIG. 2 , the functional modules include a customer information acquisition unit 111 , a funding plan presenting unit 112 and a funding processing unit 113 .

A customer information database 121 is installed in the storage device 12 . In the customer information database 121, information such as customer name (store name), account information (account number of the transfer destination when providing funds, etc.), maximum available amount, etc., and information obtained from the settlement agent service management server 30 Settlement information and the like are stored. The maximum funding amount is a pre-set funding limit for each customer and is an amount calculated in consideration of collectibility. For example, it can be determined based on the average monthly payment volume over the past 12 months.

The customer terminal 20 is a terminal for a customer to use the funding service. The user 20 is a terminal capable of communicating with the funding management server 10 via the communication network N, such as a tablet terminal, a smart phone, a notebook PC (personal computer), and a PC. The customer can use the funding service by operating the customer terminal 20 to access the funding service site or by activating the dedicated application and logging in using the user ID and passcode obtained in advance. .

The settlement agent service management server 30 is a server that performs a settlement agent service in a customer's business. Specifically, when a user who has shopped or eaten at a customer's store pays with a credit card, electronic money, QR code (registered trademark), etc., the payment is processed through a dedicated card reader and used. Provide a service to transfer the sales amount collected from the customer to the account of the customer at regular intervals (for example, every month).

Next, the flow of providing funds to a customer (restaurant A in this case) by the funding system 1 according to this embodiment will be described with reference to flowcharts and screen diagrams.

First, the funding management server 10 acquires information on the target customer from the payment agency service management server 30 . FIG. 3 is a flowchart showing an example of processing for acquiring customer information from the payment agency service management server 30. As shown in FIG.

First, the customer information acquisition unit 111 acquires the past payment information of the target customer (restaurant A) from the payment agency service management server 30 (step S101). The payment information is, for example, information on the amount of payments (amount transferred from the payment agency service management server 30 to the customer) for the most recent fixed period (for example, one year).

Based on the acquired payment information, the customer information acquisition unit 111 predicts the amount of money to be transferred from the payment agency service management server 30 to the restaurant A for a certain period of time (for example, one year) (step S102).

Furthermore, the customer information acquiring unit 111 predicts the probability that the restaurant A will stop using the payment agency service for a certain period of time (for example, one year) (step S103). The prediction of the probability may be determined based on past data such as, for example, changes in settlement amount in the most recent year.

When the probability of stopping the use of the service exceeds a predetermined criterion (step S104: YES), the customer information acquisition unit 111 decides not to provide funds to the restaurant A (step S105). Even if the probability does not exceed the standard (step S104: NO), if the restaurant A has stopped using the payment agency service at the present time (step S106: YES), funds will be provided to the restaurant A. It is determined that there is no (step S107).

If the probability does not exceed the standard and the restaurant A is still using the service (step S106: NO), the information of the restaurant A (customer's basic information, past payment information, etc.) is acquired ( Step S108) and registration in the customer information database 121 (step S109).

Next, the funding management server 10 determines the contents of the funding plan to be presented to the restaurant A. FIG. 4 is a flow chart showing an example of processing for setting a funding plan.

The funding plan presenting unit 112 acquires the information of the restaurant A from the customer information database 121, and predicts the amount to be transferred from the payment agency service management server 30 to the customer for each month for a certain period of time (here, 12 months). (Information about the customer) is calculated (step S201).

Next, the funding plan presenting unit 112 determines the content of the funding plan to be presented to the restaurant A based on the calculated estimated transfer amount (step S202). Specifically, the required amount (financing amount), which will be described later, and the withdrawal rate/withdrawal completion period (repayment plan) according to the required amount are determined.

The funding plan presenting unit 112 displays the content of the determined funding plan on the customer terminal 20 of the restaurant A (step S203). FIG. 5 is a diagram illustrating a fund providing service screen displayed on the customer terminal 20. As shown in FIG. A customer can make a contract for funding by performing a predetermined operation on the funding service screen.

The customer selects the required amount P1 and withdrawal rate/withdrawal completion period P2 on the fund providing service screen, and operates the decision button B1 to complete the fund providing contract with the selected contents (step S204).

FIG. 6 is a flow chart showing an example of processing for setting the required amount of the funding plan displayed on the funding service screen.

Based on the predicted average monthly payment amount of restaurant A, the funding plan presentation unit 112 sets a first period (here, one month), a second period (here, two months), and a second period (here, two months). 3 (three months in this case) is calculated (step S301). For example, if the expected average monthly payment amount is 200,000 yen, the expected transfer amount for the first period is 200,000 yen, the expected transfer amount for the second period is 400,000 yen, and the expected transfer amount for the third period is 600,000 yen.

The funding plan presentation unit 112 acquires the maximum funding amount of the restaurant A from the customer information database 121, and the predicted transfer amount (here, 200,000 yen) for the first period is equal to or greater than the maximum funding amount. (step S302). Here, the maximum amount of funding provided by restaurant A is assumed to be 1,000,000 yen.

If the estimated transfer amount for the first period is equal to or greater than the maximum fund provision amount (step S302: YES), the fund provision plan presentation unit 112 sets the maximum fund provision amount of restaurant A to the required amount (step S303).

On the other hand, if the predicted transfer amount for the first period is less than the maximum funded amount (step S302: NO), the predicted transfer amount for the second period (here, 400,000 yen) is less than the maximum funded amount. It is determined whether or not the above is satisfied (step S304).

If the estimated transfer amount for the second period is greater than or equal to the maximum funding amount (step S304: YES), the funding plan presentation unit 112 requires the estimated transfer amount for the first period and the maximum funding amount. The amount is set (step S305).

On the other hand, if the predicted transfer amount for the second period is less than the maximum funded amount (step S304: NO), the predicted transfer amount for the third period (here, 600,000 yen) is less than the maximum funded amount. It is determined whether or not the above is satisfied (step S306).

If the estimated transfer amount for the third period is equal to or greater than the maximum funding amount (step S306: YES), the funding plan presentation unit 112 generates the estimated transfer amount for the first period and the forecast for the second period. The transfer amount and the maximum funding amount are set to the required amount (step S307).

On the other hand, if the predicted transfer amount for the third period is less than the maximum fund provision amount (step S306: NO), the funding plan presentation unit 112 sets the predicted transfer amount for the first period and the and the estimated transfer amount for the third period are set as required amounts (step S308).

As shown in FIG. 5, the content of the funding plan set by the funding management server 10 is displayed on the funding service screen. In FIG. 5, P1 is a display section (slider or the like) showing options for the required amount. In the example shown in FIG. 5, the pattern corresponding to step S308 is the predicted transfer amount for the first period (200,000 yen), the predicted transfer amount for the second period (400,000 yen), and the predicted transfer amount for the third period. Three options for the transfer amount (600,000 yen) are displayed. When setting the required amount, the expected transfer amount may be set to a good number and set as the required amount, or the expected transfer amount may be used as it is.

FIG. 7 is a diagram illustrating how to display corresponding to the four required amount patterns described in the flowchart of FIG. In the figure, (a) is a pattern corresponding to step S308 (when the estimated transfer amount for the third period is less than the maximum funding amount), and the estimated transfer amount for the first period to the third period is an option. is displayed as

(b) in the figure is a pattern corresponding to step S307 (when the estimated transfer amount for the third period is equal to or greater than the maximum funding amount), and the estimated transfer amount for the first period (here, 400,000 yen). , the expected transfer amount for the second period (here, 800,000 yen) and the maximum funding amount (1,000,000 yen) are displayed as options.

(c) in the figure is a pattern corresponding to step S305 (when the estimated transfer amount in the second period is equal to or greater than the maximum funding amount), and the estimated transfer amount in the first period (here, 500,000 yen). and the maximum funding amount (1 million yen) are displayed as options.

(d) in the figure is a pattern corresponding to step S303 (when the predicted transfer amount in the first period is equal to or greater than the maximum amount of funding), and only the maximum amount of funding (1,000,000 yen) is presented.

Next, the processing for setting the withdrawal rate/withdrawal completion period in the fund provision plan will be described with reference to the flowchart of FIG. Withdrawal rate/withdrawal completion period is determined by the repayment rate (e.g., what percentage of the provided funds will be repaid per month) and the repayment period (e.g., how many months will it take to repay) ). In the fund providing service screen shown in FIG. 5, P2 is a display section (such as a slider) that shows options for withdrawal rate/withdrawal completion period.

In this embodiment, as a specific repayment method, when the monthly payment amount is transferred from the payment service management server 30 to the restaurant A, the repayment amount is deducted from the transfer amount. I assume.

The fund provision plan presentation unit 112 calculates the withdrawal rate/withdrawal completion corresponding to each of the estimated transfer amount for the first period, the estimated transfer amount for the second period, and the estimated transfer amount for the third period calculated in step S301. A period is calculated (step S401). For the withdrawal rate/withdrawal completion period, two patterns are calculated for each period: a plan of "more/shorter" and a plan of "little by little/longer".

Further, the funding plan presentation unit 112 displays the corresponding withdrawal rate/withdrawal completion period on the funding service screen based on the required amount selected by the customer (step S402).

FIG. 9 is a diagram exemplifying a display pattern of the withdrawal rate/withdrawal completion period corresponding to the selected required amount. FIG. 9A is a display example when the required amount of money (200,000 yen) for the first period is selected on the fund providing service screen. As shown in the figure, the “more/shorter” plan is presented to be completed in “1 month” with a withdrawal rate of “90%” (90% of the transfer amount will be withdrawn and used for repayment). The 'slightly/longer' plan suggests completion in '5 months' with a '20%' withdrawal rate.

FIG. 9(b) is a display example when the required amount for the second period (400,000 yen) is selected on the funding service screen. Withdrawal rate of 20% is proposed to be completed in "2 months", and "Slightly/Long" plan is proposed to be completed in "8 months" with a withdrawal rate of "25%" . Similarly, FIG. 9(c) is a display example when the required amount for the third period (600,000 yen) is selected on the funding service screen. ” is proposed to be completed in “3 months” with a withdrawal rate of ”, and the “little by little / long” plan is presented to be completed in “10 months” with a withdrawal rate of “30%”. there is In this manner, two repayment plans are displayed according to the required amount, and the customer can select either plan.

When the customer selects the withdrawal rate/withdrawal completion period on the fund providing service screen, as indicated by P3 in FIG. 5, an indication of the withdrawal completion month (an indication of withdrawal completion time) is displayed (step S403). Estimated withdrawal completion month is calculated by adding the number of withdrawal days calculated by the following formula to the current date.
Number of days withdrawn = (required amount + service fee) / (estimated transfer amount x withdrawal rate)

In the example of FIG. 5, "90%/month" is selected, and "November 2020" is displayed as the withdrawal completion month (reference). On the other hand, when "20%/5 months" is selected, a later date (for example, "June 2021") is displayed as the withdrawal completion month (reference).

Next, the processing for displaying the "withdrawal amount" on the fund providing service screen will be described with reference to the flowchart of FIG. The withdrawal amount is a display item indicated by P4 in FIG. 5, and indicates the actual withdrawal amount calculated based on the selected withdrawal rate/withdrawal completion period.

The funding plan presentation unit 112 multiplies the monthly average amount of money transferred from the settlement agency service management server 30 to the customer predicted in step S201 by the selected withdrawal rate to calculate a standard withdrawal amount (step S501). For example, if the transfer amount is 200,000 yen and the withdrawal rate/withdrawal completion period "90%/1 month" is selected, the estimated withdrawal amount is calculated as 200,000 yen.

Next, the funding plan presentation unit 112 determines whether or not the standard withdrawal amount calculated in step S501 is equal to or greater than the maximum funding amount (here, 1,000,000 yen) of restaurant A (step S502). . If the standard withdrawal amount is equal to or greater than the maximum fund provision amount (step S502: YES), the amount obtained by adding the service usage fee to the maximum fund provision amount is set as the withdrawal amount, and is displayed on the fund provision service screen (step S502: YES). S503). On the other hand, if the estimated withdrawal amount is less than the maximum funding amount (step S502: NO), the estimated withdrawal amount calculated in step S501 is set as the withdrawal amount and displayed on the fund providing service screen (step S504). .

FIG. 11 is a diagram illustrating a method of displaying the withdrawal amount. FIG. 11(a) shows a case in which the standard withdrawal amount is less than the maximum fund provision amount, and the entire bar indicates the monthly transfer amount (here, 200,000 yen) from the settlement agent service management server 30 to the customer. It shows that 90% of the amount (200,000 yen in the example in the figure) is the withdrawal amount. On the other hand, FIG. 11(b) shows a case where the standard withdrawal amount is equal to or greater than the maximum fund provision amount, and the entire bar is the monthly transfer amount (here, 30 million yen) from the settlement agency service management server 30 to the customer. , indicating that the withdrawal amount is 1,030,000 yen, which is the maximum withdrawal amount (1,000,000 yen) plus the service charge (here, 30,000 yen).

Next, the flow of providing funds to customers will be described with reference to the flowchart of FIG.
The funding processing unit 113 of the funding management server 10 acquires the account information of the customer (Restaurant A) to whom the funding is provided and the required contracted amount information from the customer information database 121 (step S601).

Further, the funding processing unit 113 performs processing for depositing the required amount into the customer's registered account (step S602).

Next, with reference to the flowchart of FIG. 13, the flow of withdrawal processing for a customer who has provided funds will be described.

The fund provision processing unit 113 of the fund provision management server 10 acquires the actual transfer amount to the target customer (here, the restaurant A) from the payment agency service management server 30 in the withdrawal month (step S701). Further, the current withdrawal amount is calculated by multiplying the transfer amount by the contracted withdrawal rate (step S702).

Next, the funding processing unit 113 determines whether or not the amount obtained by adding the cumulative withdrawal amount up to the previous time and the current withdrawal amount exceeds the amount obtained by adding the funding amount (required contracted amount) and the service usage fee. It judges (step S703).

If the sum of the accumulated withdrawal amount and the current withdrawal amount exceeds the sum of the fund provision amount and the service usage fee (step S703: YES), the sum of the fund provision amount and the service usage fee, The difference between the accumulated withdrawal amount up to the previous time is reset to the current withdrawal amount (step S704). Further, the reset amount is subtracted from the current transfer amount, and the remaining amount is transferred to the customer's account, and the fund provision contract is terminated (step S705).

On the other hand, if the sum of the cumulative withdrawal amount and the current withdrawal amount is equal to or less than the sum of the fund provision amount and the service usage fee (step S703: NO), the current transfer amount calculated in step S702 from the current transfer amount is subtracted, and the remaining amount is transferred to the customer's account (step S706).

As described above, according to the present embodiment, the required amount (funding amount) is set based on the actual transfer amount from the payment agency system to the customer, and is presented on the funding service screen of the customer terminal 20. did. As a result, it is possible to set an appropriate funding amount through simple processing and present it to the customer.

In this embodiment, the amount of funding is set based on the amount transferred from the payment agency system to the customer. Funding amounts can be set based on any information about the customer, including creditworthiness.

In addition, the maximum fund provision amount calculated considering the collectability from the customer and the estimated transfer amount in the first to third periods calculated based on the actual transfer amount (first period < second period < the third period), and if the predicted transfer amount in any period is greater than or equal to the maximum amount of funds provided, the maximum amount of funds provided is included in the options for the required amount. In addition, the expected transfer amount for the period when the expected transfer amount is less than the maximum funding amount is also included in the options for the required amount. If the estimated transfer amount in any period is less than the maximum fund provision amount, the maximum fund provision amount is not included in the options, and the predicted transfer amount for each period is included in the options. By designing in this way, it is possible to present options for the appropriate amount of money that the customer needs in line with the customer's actual situation with a simple calculation process.

Also, the withdrawal rate and withdrawal completion period are calculated according to the required amount, and the corresponding withdrawal rate and withdrawal completion period are displayed on the screen according to the required amount selected by the customer on the screen. As a result, the customer can immediately check the repayment plan according to the required amount while selecting the required amount. In addition, two types of plans, a plan for repayment in a short period with a high withdrawal rate and a plan for repayment in a long period with a low withdrawal rate, are displayed as options on the screen. As a result, the withdrawal rate can be selected according to the circumstances of each customer.

In addition, based on the selected required amount, the withdrawal rate, and the estimated monthly transfer amount, a guideline for the month in which the withdrawal will be completed is calculated and presented on the fund providing service screen. As a result, the customer can confirm the specific repayment schedule on the screen.

In addition, based on the selected required amount, the withdrawal rate, and the estimated monthly transfer amount, a rough estimate of the amount to be withdrawn once is calculated and presented on the money providing service screen. As a result, the customer can confirm a specific guideline for the withdrawal amount on the screen. If the withdrawal amount is equal to or greater than the customer's maximum amount of funds provided, the sum of the maximum amount of funds provided and the service usage fee is presented as the maximum withdrawal amount.

It should be noted that the present invention is not limited to the embodiments described above, and can be implemented in various other forms without departing from the gist of the present invention. Therefore, the above-described embodiment is merely an example in all respects, and should not be construed as limiting. For example, the processing steps described above can be arbitrarily changed in order or executed in parallel as long as there is no contradiction in the processing content.

Reference Signs List 1 Funding system 10 Funding management server 11 Control device 12 Storage device 20 Customer terminal 30 Settlement agent service management server 111 Customer information acquisition unit 112 Funding plan presentation unit 113 Funding processing unit 121 … Customer information database N … Communication network

Claims (10)

An information processing device,
An information processing apparatus comprising a funding plan presenting unit that displays a required amount that can be selected by a customer based on a preset maximum funding amount and information on the customer. 2. The information processing apparatus according to claim 1, wherein said information about said customer is a predicted transfer amount calculated based on an amount transferred to said customer by a payment agency service. The funding plan presentation unit
3. The information processing apparatus according to claim 2, wherein, when the predicted transfer amount in the first period is equal to or greater than said maximum fund provision amount, said maximum fund provision amount is displayed on the customer terminal as said required amount. The funding plan presentation unit
If the expected transfer amount in the first period is less than the maximum funding amount and the expected transfer amount in the second period longer than the first period is equal to or greater than the maximum funding amount, the maximum funding amount 4. The information processing apparatus according to claim 2, wherein an amount corresponding to the amount to be provided and the estimated transfer amount in the first period is displayed on the customer terminal as the required amount. The funding plan presentation unit
Comparing the estimated transfer amount for multiple periods with the maximum funding amount, and if the estimated transfer amount for the longest period is less than the maximum funding amount, the amount corresponding to the estimated transfer amount for each period, 5. The information processing apparatus according to any one of claims 2 to 4, wherein the required amount is displayed on a customer terminal. The funding plan presentation unit
Calculate the withdrawal rate and withdrawal completion period at the time of repayment corresponding to the required amount,
6. The information processing apparatus according to any one of claims 2 to 5, wherein the corresponding withdrawal rate and withdrawal completion period are displayed on the customer terminal according to the selected required amount. The funding plan presentation unit
7. The method according to claim 6, wherein a withdrawal completion time is calculated based on the required amount selected on the customer terminal, the withdrawal rate, and the estimated transfer amount, and is displayed on the customer terminal as an indication of the withdrawal completion timing. information processing equipment. The funding plan presentation unit
7. The method according to claim 6, wherein a one-time withdrawal amount is calculated based on the required amount selected on the customer terminal, the withdrawal rate, and the estimated transfer amount, and is displayed on the customer terminal as an indication of the withdrawal amount. The information processing device described. An information processing method,
An information processing method comprising the step of displaying a required amount that can be selected by the customer based on a preset maximum funding amount and information about the customer. the computer,
A program that functions as a funding plan presentation unit that displays a required amount that can be selected by the customer based on a preset maximum funding amount and information on the customer.

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