JP2022157747A - Information processing device, information processing method, and information processing program - Google Patents

Abstract

To provide an information processing device, an information processing method, and an information processing program capable of eliminating the need for performing the selection work on a payment method by a user.SOLUTION: An information processing device according to an embodiment include a selection part. When payment is paid, the selection part selects a price payment method from the immediate payment and the post-payment to be paid from the charge balance of electronic money according to a situation of the user. The selection part selects a payment method according to the payment amount. The selection part selects the payment method according to the type of an affiliated store in which the payment is made.SELECTED DRAWING: Figure 1

Description

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

Conventionally, electronic payment services are known in which payments are made using electronic money such as electronic money and virtual currency. For example, as one type of electronic payment service, there is known a method of payment by displaying or reading a two-dimensional code or the like using a terminal device carried by the user (for example, smartphone payment).

In electronic payment services, it is common for users to select a payment method from immediate payment and deferred payment at the time of payment.

Japanese Patent No. 6513861

However, it is troublesome for users to select a payment method each time they use an electronic payment service.

One aspect of the embodiments has been made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can save the user the trouble of having the user select a payment method. aim.

An information processing device according to an aspect of an embodiment has a selection unit. The selection unit selects a payment method of the price from immediate payment or deferred payment from the charge balance of the electronic money according to the user's situation at the time of payment.

According to one aspect of the embodiments, it is possible to provide an information processing device, an information processing method, and an information processing program that can eliminate the need for a user to select a payment method.

FIG. 1 is a diagram showing an overview of an information processing method according to an embodiment. FIG. 2 is a diagram illustrating a configuration example of an information processing apparatus according to the embodiment; FIG. 3 is a diagram illustrating an example of user information according to the embodiment; FIG. 4 is a flowchart illustrating an example of settlement processing executed by the control unit of the information processing apparatus according to the embodiment; FIG. 5 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing device according to the embodiment. FIG. 6 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing device according to the embodiment. FIG. 7 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing device according to the embodiment. FIG. 8 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing device according to the embodiment. FIG. 9 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing device according to the embodiment. FIG. 10 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing device according to the embodiment. FIG. 11 is a flowchart illustrating an example of payment method selection settlement processing executed by the control unit of the information processing device according to the embodiment. FIG. 12 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing apparatus according to the embodiment.

Embodiments for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. The information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Further, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. Outline of information processing method]
FIG. 1 is a diagram showing an overview of an information processing method according to an embodiment. An information processing apparatus according to an embodiment is, for example, an apparatus that provides an electronic payment service in which a user pays for a product purchased or a service used by an immediate payment method or a deferred payment method.

Immediate payment is a payment method that pays on the spot from the balance of electronic money charged in advance by the user. Deferred payment is a payment method in which an operator of an electronic payment service makes a payment and collects the payment by deducting the payment from a pre-registered user's bank account at a later date.

With deferred payment, interest is added to the payment amount, but it is convenient for the user because it is possible to purchase products and use services even if there is no cash on hand or the charge balance is insufficient. Payment method.

On the other hand, business operators who provide electronic payment services can obtain profit from interest, but there is also a risk that they will not be able to collect the payment due to non-payment of the payment amount. In electronic payment services, it is common for users to select a payment method from immediate payment and deferred payment at the time of payment.

However, it is troublesome for users to select a payment method each time they use an electronic payment service. Therefore, the information processing apparatus according to the embodiment eliminates the need for the user to select a payment method by using the information processing method shown in FIG.

Specifically, for example, when the user 11 uses or purchases a payment target such as various products or services, the user 11 uses a payment device installed in advance in his/her mobile terminal device (hereinafter referred to as “user terminal 12”). Launch an app (application program).

Then, as shown in FIG. 1, the user 11 uses a payment application to read a shop code (for example, QR code (registered trademark)) 13 for electronic payment installed in the shop with the user terminal 12 (step S1), input the price (step S2).

The store code 13 includes identification information for identifying the store. Note that the store code 13 is not limited to the QR code, and may be a bar code, a predetermined mark, a number, or the like (that is, a predetermined code). After that, the user terminal 12 transmits payment information including identification information of the store and information indicating the payment amount to the information processing device 1 (step S3).

Upon receiving the payment information, the information processing device 1 selects a payment method from immediate payment and deferred payment according to the situation of the user 11 at that time (step S4). For example, the information processing apparatus 1 selects a payment method according to the situation of the user 11, such as the price paid by the user 11, the affiliated store using the electronic payment service, the balance of the deferred payment, the balance of the electronic money charge, the balance of the bank account, and the like. do.

At this time, if the received payment information includes payment method designation information or payment method change information, the information processing apparatus 1 selects a payment method according to the designation information or change information. The information processing apparatus 1 automatically selects a payment method according to the situation of the user 11 when the payment information received does not include the payment method designation information or the payment method change information. Thereby, the information processing device 1 can select the payment method without making the user 11 aware of the selection of the payment method.

Then, the information processing device 1 performs settlement processing using the selected payment method (step S5), and upon completion of the settlement processing, transmits a settlement completion notice to the user terminal 12. FIG. (Step S6). As described above, when the information processing apparatus 1 receives payment information from the user terminal 12, the information processing apparatus 1 automatically selects a payment method according to the situation of the user 11 and performs payment processing. can be made unnecessary.

Note that the settlement processing performed by the information processing device 1 is not limited to the processing described above. For example, the payment processing performed by the information processing device 1 may be performed using a store terminal installed in the store. In this case, the user terminal 12 of the user 11 displays the user ID for identifying the user 11 on the screen. The store terminal installed in the store reads the user ID displayed on the user terminal 12 and transmits payment information indicating the user ID, the amount of payment, and the identification information of the store to the information processing device 1 . The information processing device 1 deposits the payment from the charge balance or bank account of the user 11 indicated by the user ID to the bank account of the store, and displays a screen to the effect that the payment is completed or a predetermined By outputting a sound, it is notified that the payment has been made.

Moreover, the settlement using the user terminal 12 of the user 11 is not limited to the actual store, but may be, for example, the settlement for the transaction target in the electronic commerce service (that is, the online settlement). In this case, for example, the user terminal 12 transmits, to the information processing apparatus 1, the user ID that identifies the user 11, the identification information of the shop, and the payment information indicating the price (settlement amount) of the transaction object. The information processing device 1 deposits the payment amount from the bank account of the user 11 indicated by the user ID to the bank account of the store indicated by the identification information of the store, and displays a screen to the effect that the payment is completed or a predetermined message on the user terminal 12. By outputting a sound, it is notified that the payment has been made.

[2. Configuration of information processing device]
Next, a configuration example of the information processing apparatus 1 will be described with reference to FIG. FIG. 2 is a diagram illustrating a configuration example of an information processing apparatus according to the embodiment; The information processing device 1 according to the embodiment is connected to the user terminal 12, the store terminal 100, and the bank server 200 via the communication network N so as to be able to communicate with each other by wire or wirelessly.

The communication network N is, for example, a WAN (Wide Area Network) such as the Internet. Although not shown here, the information processing device 1 is connected to multiple user terminals 12 , multiple store terminals 100 , and multiple bank servers 200 .

A user terminal 12 is a device used by the user 11 . The user terminal 12 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. The user terminal 12 displays information distributed by the information processing device 1 using a web browser or an application.

Further, when the user terminal 12 receives control information for realizing predetermined information processing from the information processing apparatus 1, the user terminal 12 realizes information processing according to the control information. Here, the control information includes, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Note that the predetermined application itself distributed from the information processing device 1 may be regarded as the control information.

The store terminal 100 is a terminal device installed at a member store of the electronic payment service according to the embodiment. The store terminal 100 is, for example, a device that reads a user ID when a user 11 who has purchased a product or used a service at a store displays and presents his or her user ID on the user terminal 12 . The store terminal 100 transmits payment information including the read user ID and the price of the product or service to the information processing device 1 .

The bank server 200 is a device belonging to a bank that manages the bank account of the user 11 . Bank server 200 is implemented by a server device, a cloud system, or the like. For example, the bank server 200 stores, as bank account usage histories, information on withdrawals from bank accounts by credit card companies and various service providers (amounts withdrawn, dates and times of withdrawals, etc.), current account information ( account balance, etc.) are associated with the user 11 and managed.

The information processing device 1 is implemented by a server device, a cloud system, or the like. For example, the information processing device 1 provides an electronic payment service related to electronic payment performed by displaying or reading a predetermined code using the user terminal 12 of the user 11 . For example, the information processing apparatus 1 manages the charge balance of electronic money owned by the user 11, and transfers the electronic money from the charge balance to the bank account of the shop in use according to the settlement information from the user 11. , realize various settlements of immediate payment. In addition, the information processing device 1 pays the price to the bank account of the store used according to the payment information from the user 11, and then withdraws the price from the user's bank account or the charge balance on a predetermined withdrawal date to realize deferred payment. .

Electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state, such as the Japanese yen or dollar. good. The information processing device 1 has a communication section 10 , a storage section 20 and a control section 30 .

(communication department)
The communication unit 10 is implemented by, for example, a NIC (Network Interface Card) or the like. The communication unit 10 transmits/receives information to/from the user terminal 12, the store terminal 100, the bank server 200, and the like via the communication network N by wire or wirelessly.

(storage unit)
The storage unit 20 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 20 stores user information 21 .

(user information)
FIG. 3 is a diagram illustrating an example of user information according to the embodiment; As shown in FIG. 3, for each user ID, the user information 21 includes, for example, payday, date of use of electronic payment service, store used, deposit/withdrawal amount, payment method, charge balance, cashback rate, cumulative total of deferred payments, etc. Contains information associated with balance, bank account balance, and deferred payment ceiling.

The user ID is identification information of each user 11 . The payday is the day on which the salary of each user 11 is transferred. The date of use is the date when each user 11 used the electronic payment service to charge electronic money or make a payment. The store used is a member store where each user 11 uses the electronic payment service for purchasing products or using services, or a bank used by each user for charging electronic money or making payments. The payment method is information indicating whether each user 11 made an immediate payment or a deferred payment.

The charge balance is the balance of electronic money when each user 11 uses the electronic payment service. The cashback rate is the ratio of electronic money cashed back to the user 11 with respect to the amount of payment. The deferred payment accumulated balance is the sum of the deferred payment amounts that have not been withdrawn from the bank account or charge balance of the user 11 . The bank account is the balance of the bank account registered in advance by the user 11 for withdrawal of payment or charge of electronic money. The deferred payment upper limit is the upper limit of the cumulative balance that allows deferred payment by the user 11 .

(control part)
The control unit 30 is a controller, and various programs stored in a storage device inside the information processing apparatus 1 are controlled by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, and the RAM is used as a work area. It is realized by executing as Also, the control unit 30 may be implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 30 according to the embodiment has an acquisition unit 31, a selection unit 32, and a payment processing unit 33, and implements or executes information processing functions and actions described below.

(acquisition part)
The acquisition unit 31 receives and acquires payment information (see FIG. 1) from the user terminal 12 or the store terminal 100 . The payment information includes information such as the user ID, the date of use of the electronic payment service, the store used, the payment amount, and the cashback rate. The acquisition unit 31 stores the acquired payment information in the storage unit 20 and updates the user information 21 .

Further, when obtaining payment information from the user terminal 12 of the user 11 , the obtaining unit 31 obtains the balance of the bank account of the user 11 from the bank server 200 , stores it in the storage unit 20 , and updates the user information 21 .

(Selection part)
When the payment information is acquired by the acquisition unit 31, the selection unit 32 selects the method of payment by charging electronic money according to the situation of the user 11 at the time of payment based on the user information 21 of the user who transmitted the payment information. Choose from immediate payment or deferred payment to pay from the balance.

For example, the selection unit 32 selects the payment method according to the price. The selection unit 32 selects deferred payment if the price is equal to or greater than a predetermined amount, and selects immediate payment if the price is less than the predetermined amount. The predetermined amount of money here may be, for example, a uniform amount set for all users 11 , may be set in advance by the user 11 , or may be set for each user 11 .

Also, for example, the selection unit 32 selects a payment method according to the type of member store to which the payment is made. The selection unit 32 selects deferred payment if the member store (luxury store) handles relatively expensive products such as luxury brand products. The selection unit 32 selects immediate payment in the case of a member store (other than a high-end store) that handles relatively low-priced products such as a convenience store. Note that the selection unit 32 may determine the type based on the category of the member store. In this case, for example, the selection unit 32 selects deferred payment in the case of an electrical appliance store, an apparel shop, or the like, and selects immediate payment in the case of a convenience store, a restaurant, or the like.

Further, for example, the selection unit 32 selects a payment method according to the customer unit price. In this case, the selection unit 32 selects deferred payment if the unit price per customer is equal to or greater than a predetermined amount (eg, 10,000 yen), and selects immediate payment if the unit price per customer is less than the predetermined amount (eg, 10,000 yen). select. Further, for example, the selection unit 32 selects deferred payment for affiliated stores where the ratio of users 11 who use deferred payment is higher than the ratio of users 11 who use immediate payment, and the ratio of users 11 who use immediate payment is , it is also possible to select deferred payment for member stores with a higher ratio of users 11 using deferred payment.

In addition, for example, the selection unit 32 selects a payment method according to the user's 11 cumulative deferred payment balance. The selection unit 32 selects deferred payment if the cumulative deferred payment balance has not reached the deferred payment upper limit frame, and selects immediate payment if the deferred payment cumulative balance has reached the deferred payment upper limit frame. As for the upper limit here, for example, a uniform amount of money may be set for all the users 11 , may be set by the user 11 in advance, or may be set for each user 11 .

Also, for example, the selection unit 32 selects a payment method according to the electronic money charge balance. The selection unit 32 selects deferred payment if the price is higher than the charge balance, and selects immediate payment if the price is equal to or less than the charge balance.

Also, for example, the selection unit 32 selects a payment method according to the balance of the bank account in which electronic money is deposited into the charging account of the user 11 . The selection unit 32 selects deferred payment if the balance in the bank account is less than or equal to a predetermined amount, and selects immediate payment if the balance in the bank account is greater than the predetermined amount. The predetermined amount of money here may be, for example, a uniform amount set for all users 11 , may be set in advance by the user 11 , or may be set for each user 11 .

Also, for example, the selection unit 32 selects a payment method according to a privilege given to the user for payment. A selection unit 32 selects the deferred payment if the deferred payment has more privileges than the immediate payment, and selects the immediate payment if the deferred payment does not have more privileges than the immediate payment. For example, the selection unit 32 selects deferred payment if the cashback rate of deferred payment is higher than that of immediate payment, and selects immediate payment if deferred payment has a higher cashback rate than immediate payment.

Also, for example, the selection unit 32 selects a payment method according to the number of days from the payment of money to the payday of the user 11 . The selection unit 32 selects deferred payment if the number of days until payday is equal to or less than a predetermined number of days, and selects immediate payment if the number of days until payday is greater than the predetermined number of days.

(Payment processing part)
The payment processing unit 33 performs payment processing using the payment method determined by the selection unit 32 . After that, the payment processing unit 33 transmits a payment completion notification to the user terminal 12 and the shop terminal 100 when the payment processing is completed.

[3. Payment processing]
Next, an example of settlement processing executed by the control unit 30 of the information processing device 1 according to the embodiment will be described with reference to FIG. 4 . FIG. 4 is a flowchart illustrating an example of settlement processing executed by the information processing device according to the embodiment.

As shown in FIG. 4, the control unit 30 first determines whether payment information has been received from the user terminal 12 or the store terminal 100 (step S101). If the control unit 30 determines that payment information has not been received (step S101, No), it repeats the determination process of step S101 until payment processing is received.

Then, if the control unit 30 determines that the payment information has been received (step S101, Yes), the control unit 30 selects a payment method from immediate payment or deferred payment based on the charge balance of the electronic money according to the user's situation. A method selection process is executed (step S102). A specific example of the payment method selection process will be described later with reference to FIGS. 5 to 11. FIG.

Thereafter, the control unit 30 performs settlement processing using the payment method selected in the payment method selection processing (step S103), and upon completion of the settlement processing, transmits a settlement completion notice to the user terminal 12 and the store terminal 100 (step S104). , terminate the process. After that, the control unit 30 restarts the process from step S101.

[4. Payment method selection process]
Next, payment method selection processing executed by the control unit of the information processing apparatus according to the embodiment will be described with reference to FIGS. 4 to 11. FIG. 4 to 11 are flowcharts showing an example of payment method selection processing executed by the control unit of the information processing device according to the embodiment.

When receiving payment information, the control unit 30 executes any one of the payment method selection and payment processing shown in FIGS. 4 to 11. FIG. For example, as shown in FIG. 5, the control unit 30 determines whether or not the price is equal to or greater than a predetermined amount (step S201).

Then, when the control unit 30 determines that the price is equal to or greater than the predetermined amount (step S201, Yes), it selects deferred payment (step S202), and moves the process to step S103 shown in FIG. If the control unit 30 determines that the price is less than the predetermined amount (step S201, No), the control unit 30 selects immediate payment (step S203), and shifts the process to step S103 shown in FIG.

Also, for example, as shown in FIG. 6, the control unit 30 determines whether or not the shop is a luxury shop (step S301). Then, when the control unit 30 determines that the store to be used is a high-end store (step S301, Yes), it selects deferred payment (step S302), and moves the process to step S103 shown in FIG. If the control unit 30 determines that the shop is not a high-end shop (step S301, No), it selects immediate payment (step S303), and moves the process to step S103 shown in FIG.

Further, for example, as shown in FIG. 7, the control unit 30 determines whether or not the cumulative balance of deferred payment is less than the upper limit (step S401). When the control unit 30 determines that the cumulative balance of deferred payment is less than the upper limit (step S401, Yes), it selects deferred payment (step S402), and moves the process to step S103 shown in FIG. If the control unit 30 determines that the cumulative balance of deferred payment is not less than the upper limit, that is, that the cumulative balance of deferred payment has reached the upper limit (step S401, No), it selects immediate payment (step S403), The process moves to step S103 shown in FIG.

Also, for example, as shown in FIG. 8, the control unit 30 determines whether or not the charge is greater than the charge balance of electronic money (step S501). If the control unit 30 determines that the price is higher than the charge balance of the electronic money (step S501, Yes), the control unit 30 selects deferred payment (step S502), and shifts the process to step S103 shown in FIG. If the control unit 30 determines that the charge is equal to or less than the charge balance of the electronic money (step S501, No), the control unit 30 selects immediate payment (step S503), and shifts the process to step S103 shown in FIG.

Also, for example, as shown in FIG. 9, the control unit 30 determines whether or not the bank account balance of the user 11 is equal to or less than a predetermined amount (step S601). When the control unit 30 determines that the bank account balance of the user 11 is equal to or less than the predetermined amount (step S601, Yes), the control unit 30 selects deferred payment (step S602), and shifts the processing to step S103 shown in FIG. If the control unit 30 determines that the bank account balance of the user 11 is not equal to or less than the predetermined amount (step S601, No), the control unit 30 selects immediate payment (step S603), and shifts the processing to step S103 shown in FIG.

Further, for example, as shown in FIG. 10, the control unit 30 determines whether or not there are more privileges given to the user 11 in the deferred payment (step S701). When the control unit 30 determines that there are more benefits given to the user 11 with the deferred payment (step S701, Yes), the control unit 30 selects the deferred payment (step S702), and shifts the processing to step S103 shown in FIG. . Further, when the control unit 30 determines that there are not many benefits given to the user 11 with the deferred payment (step S701, No), the control unit 30 selects the immediate payment (step S703), and the processing is performed at step S103 shown in FIG. move to

Further, for example, as shown in FIG. 11, the control unit 30 determines whether or not the number of days until the payday of the user 11 is equal to or less than a predetermined number of days (step S801). When the control unit 30 determines that the number of days until payday is equal to or less than the predetermined number of days (step S801, Yes), the control unit 30 selects deferred payment (step S802), and shifts the processing to step S103 shown in FIG. If the control unit 30 determines that the number of days until payday is not equal to or less than the predetermined number of days (step S801, No), the control unit 30 selects immediate payment (step S803), and moves the process to step S103 shown in FIG.

[5. Modification]
The above-described embodiment is an example, and various modifications and applications are possible. For example, among the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, and conversely, the processes described as being performed manually can be performed manually. can also be performed automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

[6. effect]
As described above, the information processing device 1 according to the embodiment has the selection unit 32 . The selection unit 32 selects the payment method of the price from the immediate payment or the deferred payment from the charge balance of the electronic money according to the situation of the user 11 at the time of payment. As a result, the information processing device 1 can eliminate the need for the user 11 to select a payment method.

The selection unit 32 selects a payment method according to the price. As a result, the selection unit 32 can eliminate the need for the user 11 to select a payment method by automatically selecting deferred payment when, for example, the price is relatively high and immediate payment is difficult. Further, the selection unit 32 can eliminate the need for the user 11 to select a payment method by automatically selecting immediate payment when the price is relatively low and deferred payment is not required, for example.

Also, the selection unit 32 selects a payment method according to the type of member store to which the payment is made. As a result, the selection unit 32 automatically selects deferred payment when, for example, the store used is a luxury store and immediate payment is difficult, thereby eliminating the need for the user 11 to select a payment method. be able to. Further, for example, when the store used is a convenience store or the like and immediate payment is possible, the selection unit 32 automatically selects immediate payment, thereby eliminating the need for the user 11 to select a payment method. be able to.

Moreover, the selection unit 32 selects a payment method according to the user's cumulative deferred payment balance. As a result, the selection unit 32 automatically selects immediate payment when, for example, the cumulative deferred payment balance reaches the upper limit and deferred payment is not possible, thereby eliminating the need for the user 11 to select a payment method. be able to. In addition, the selection unit 32 automatically selects the deferred payment when the accumulated balance of the deferred payment does not reach the upper limit and the deferred payment is possible, thereby making it unnecessary for the user 11 to select the payment method. .

Moreover, the selection unit 32 selects a payment method according to the charge balance. As a result, the selection unit 32 automatically selects deferred payment when, for example, the charge balance is insufficient and immediate payment is not possible, thereby eliminating the need for the user 11 to select a payment method. . In addition, for example, when the charge balance is not insufficient and immediate payment is possible, the selection unit 32 automatically selects immediate payment, thereby eliminating the need for the user 11 to select a payment method. can.

Also, the selection unit 32 selects a payment method according to the balance of the bank account for depositing electronic money into the charge account of the user 11 . As a result, the selection unit 32 automatically selects deferred payment when, for example, the balance of the bank account is small and there is no economic margin, thereby eliminating the need for the user 11 to select a payment method. . In addition, the selection unit 32 automatically selects immediate payment when the balance of the bank account is large and there is a financial margin, thereby eliminating the need for the user 11 to select a payment method.

Moreover, the selection unit 32 selects a payment method according to a privilege given to the user 11 for the payment. Thereby, the selection part 32 can automatically select the payment method which gives more benefits to the user 11, for example.

Further, the selection unit 32 selects a payment method according to the number of days from the payment of the price to the payday of the user. As a result, the selection unit 32 can eliminate the need for the user 11 to select a payment method by automatically selecting deferred payment when, for example, it is before payday and there is no financial leeway. In addition, the selection unit 32 can eliminate the need for the user 11 to select a payment method by automatically selecting immediate payment when, for example, there is financial leeway after the payday.

[7. Hardware configuration]
Also, the information processing apparatus 1 according to the above-described embodiments is implemented by, for example, a computer 1000 configured as shown in FIG. The information processing apparatus 1 will be described below as an example. FIG. 10 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing apparatus according to the embodiment. Computer 1000 has CPU 1100 , RAM 1200 , ROM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1300 or HDD 1400 and controls each section. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

HDD 1400 stores programs executed by CPU 1100 and data used by these programs. Communication interface 1500 receives data from another device via communication network 500 (corresponding to communication network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1200 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1200 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when computer 1000 functions as information processing apparatus 1 , CPU 1100 of computer 1000 implements the functions of control unit 30 by executing a program loaded onto RAM 1200 . Further, each data in the storage device of the information processing apparatus 1 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[8. others]
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the information processing apparatus 1 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the reception unit can be read as reception means or a reception circuit.

1 information processing device 10 communication unit 11 user 12 user terminal 13 store code 20 storage unit 21 user information 30 control unit 31 acquisition unit 32 selection unit 33 payment processing unit 100 store terminal 200 bank server

Claims (10)

1. An information processing apparatus, comprising: a selection unit that selects a payment method of said price from immediate payment or deferred payment, in which said payment method is paid from the charge balance of electronic money at the time of payment according to the situation of the user. The selection unit
The information processing apparatus according to claim 1, wherein the payment method is selected according to the price. The selection unit
2. The information processing apparatus according to claim 1, wherein said payment method is selected according to the type of member store to which said price is paid. The selection unit
The information processing apparatus according to claim 1, wherein said payment method is selected according to said user's accumulated deferred payment balance. The selection unit
The information processing apparatus according to claim 1, wherein the payment method is selected according to the charge balance. The selection unit
2. The information processing apparatus according to claim 1, wherein said payment method is selected according to the balance of a bank account in which electronic money is deposited into said charge account of said user. The selection unit
The information processing apparatus according to claim 1, wherein the payment method is selected according to a privilege given to the user for payment. The selection unit
2. The information processing apparatus according to claim 1, wherein said payment method is selected according to the number of days from said time of payment until said user's payday. A computer-executed information processing method comprising:
1. An information processing method, comprising: a selection step of selecting a payment method of said price from immediate payment or deferred payment in which said payment method is paid from the charge balance of electronic money at the time of payment according to the user's situation. 1. An information processing program for causing a computer to execute a selection procedure for selecting a payment method for said price from immediate payment or deferred payment in accordance with the situation of the user at the time of payment.

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