JP2022158871A - Information processing device, information processing method and information processing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information processing device, information processing method and information processing program capable of determining a usage upper limit appropriate for users using a deferred payment service.

SOLUTION: An information processing device according to an embodiment includes a selection request section and an upper limit determination section. The selection request section causes a user at the time of payment to select an immediate payment of paying from an electronic money charge balance or a deferred payment. The upper limit determination section determines the upper limit of an amount enabling the deferred payment based on at least usage situations of the charge balance.

SELECTED DRAWING: Figure 1

COPYRIGHT: (C)2023,JPO&INPIT

Description

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

Electronic payment services are known in which payments are made using electronic money. 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 addition, when a user desires a post-payment service in an electronic settlement service, the maximum usage amount of the post-payment service for each user is determined, and a plurality of amounts within that range are presented to the user, and the maximum usage amount of the post-payment service is displayed. There is known an information processing apparatus that allows a user to determine

JP 2020-126445 A

However, the maximum amount of usage of the postpaid service determined by the user is not necessarily the maximum amount of usage appropriate for the user.

The present application has been made in view of the above, and an object thereof is to provide an information processing device, an information processing method, and an information processing program capable of determining an appropriate usage upper limit amount for a user using a deferred payment service. and

An information processing apparatus according to an aspect of an embodiment includes a selection request unit and an upper limit determination unit. The selection request unit allows the user to select immediate payment or deferred payment from the charge balance of electronic money at the time of payment. The upper limit determination unit determines an upper limit of the amount of money for which the deferred payment is possible based on at least the usage status of the charge balance.

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 capable of determining an appropriate usage upper limit amount for a user who uses a deferred payment service.

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 diagram illustrating an example of user information according to the embodiment; FIG. 5 is a diagram illustrating an example of a screen displayed by the proposing unit according to the embodiment; FIG. 6 is a diagram illustrating an example of a screen displayed by the proposing unit according to the embodiment; FIG. 7 is a flowchart illustrating an example of settlement processing executed by the information processing device according to the embodiment. FIG. 8 is a flowchart illustrating an example of instant settlement processing executed by the control unit of the information processing device according to the embodiment. FIG. 9 is a flowchart illustrating an example of deferred payment settlement processing executed by the control unit of the information processing device according to the embodiment. 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.

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. For this reason, it is common for deferred payment to have an upper limit (credit) for the amount used.

The upper limit of the usage amount is generally determined by prior examination based on the user's age, occupation, length of service, annual income, and the like. However, even if users have the same age, occupation, length of service, annual income, etc., the repayable amount differs depending on the user.

For this reason, there is a settlement service that allows the user to determine the upper limit of the usage amount, but the upper limit of the usage amount determined by the user is not necessarily the appropriate upper limit of the usage amount for the user. In addition, in the case of a general credit card credit check, the credit check must be passed in order to use the credit card, so the credit card usage history cannot be used for credit check in the first place. For this reason, in the case of a credit card, credit screening must be conducted based on the target user's age, occupation, length of service, annual income, and the like.

On the other hand, since the business operator that provides the electronic payment service according to the embodiment has usage records of users who have already used the electronic payment service, it is possible to use highly reliable usage history information. , it is possible to determine an appropriate deferred payment usage limit. Therefore, the information processing apparatus according to the embodiment determines the appropriate upper limit of deferred payment usage for the user by 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).

When the information processing apparatus 1 receives the payment information, the information processing apparatus 1 determines the upper limit of the amount that can be paid later based on the usage status of the balance of the electronic money charged by the user 11 (step S4). For example, the information processing device 1 estimates the economic state of the user based on the amount of charge per charge, the frequency of use of the charge balance, the amount of use of the charge balance per time, the minimum charge balance, and the affiliated store used. Determine the upper limit of the amount according to the estimation result.

Then, the information processing apparatus 1 displays a payment method selection request screen on the user terminal 12 of the user 11, and allows the user 11 to select immediate payment or deferred payment from the charge balance of the electronic money (step S5).

At this time, the information processing apparatus 1 displays immediate payment and deferred payment as payment method options on the payment method selection request screen, and furthermore, requests the payment method selection request for the charge balance that can be used for immediate payment and the upper limit of deferred payment. display on the screen.

After that, when the payment method is selected by the user 11, the user terminal 12 transmits payment method determination information to the information processing device 1 (step S6). When the information processing apparatus 1 receives the payment method determination information, the information processing apparatus 1 performs settlement processing using the payment method selected by the user 11 (step S7).

When the immediate payment is selected, the information processing device 1 immediately deposits the price from the charged balance to the account of the store. Further, when deferred payment is selected, the information processing apparatus 1 deposits the price into the account of the store on behalf of the user 11, and later withdraws the price from the bank account of the user 11 to collect the price. When the payment processing is completed, the information processing device 1 transmits a payment completion notice to the user terminal 12 (step S8).

In this manner, the information processing apparatus 1 determines the upper limit of the deferred payment based on the usage status of the charge balance, which varies depending on the economic condition of each user 11, thereby setting the appropriate upper limit of the usage amount for the user who uses the deferred payment service. can decide.

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 a 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 and learning models 22 .

(user information)
3 and 4 are diagrams showing an example of user information according to the embodiment. The user 21 information according to the embodiment is information indicating the usage status of the charge balance of electronic money by each user 11 . For example, as shown in FIG. 3, the user information 21 includes, for each user ID, the registration status of deferred payment, the registration status of revolving (hereinafter referred to as "revolving") payment, the date of use of the electronic payment service, and the date of use of the electronic payment service. It includes information in which the store, deposit/withdrawal amount, payment method, and charge balance are associated with each other. Revolving repayment is a payment method in which a deferred payment balance to which a predetermined interest is added is repaid by a fixed amount each month.

The user ID is identification information of each user 11 . The postpaid registration status is information indicating whether or not each user 11 has registered postpaid as a payment method. The registration status of deferred payment also includes information indicating whether or not deferred payment is in arrears.

The registration status of revolving payment is information indicating whether or not each user 11 has registered revolving payment as a payment method. The revolving payment registration status also includes information indicating whether or not there is any delinquency in revolving payment. 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 charge balance also includes a salary charge balance that is managed separately from the normal charge balance when the user 11 sets salary charge using electronic money. In addition, as shown in FIG. 4, the user information 21 includes information indicating changes in monthly deposit/withdrawal amount and charge balance of the user 11 corresponding to each user ID.

(learning model)
The learning model 22 is constructed by, for example, a machine learning technique using a DNN (Deep Neural Network). The learning model 22 machine-learns the usage status of the charge balance by the user 11 who has made revolving payments without delay as correct data, and when the usage status of the charge balance of an arbitrary user 11 is input, the charge balance is calculated. Outputs a score according to the level of reliability of the user who owns it.

For example, the learning model 22 outputs a higher score for the user 11 with fewer deferred payment times, and outputs a lower score for the user 11 with more deferred payment times. The learning model 22 outputs a higher score for the user 11 with fewer delinquent revolving payments, and a lower score for the user 11 with more delinquent revolving payments.

The learning model 22 outputs a higher score for a user 11 with a higher average one-time charge amount, and outputs a lower score for a user 11 with a lower average one-time charge amount. The learning model 22 outputs a higher score for a user 11 with a higher charge balance before charging, and a lower score for a user 11 with a lower charge balance before charging.

The learning model 22 outputs a higher score for a user 11 whose monthly moving average of deposit/withdrawal amount is higher, and outputs a lower score for a user 11 whose monthly moving average of deposit/withdrawal amount is lower. The learning model 22 outputs a higher score for the user 11 whose monthly moving average of the charge balance is higher, and outputs a lower score for the user 11 whose monthly moving average of the charge balance is lower.

Also, the learning model 22 outputs a higher score for the user 11 who uses the electronic payment service more frequently because the user 11 may have a better economic condition, and outputs a lower score for the user 11 who uses the electronic payment service less frequently. In addition, the learning model 22 outputs a higher score for a user 11 with a larger charge balance because the user 11 is likely to be in a better financial condition, and outputs a lower score for a user 11 with a smaller usage amount.

In addition, unlike the regular charge balance, which is irregularly charged, the salary charge balance is reliably charged every month. For this reason, the learning model 22 outputs a higher score for the user 11 who has set the salary charge with electronic money, and outputs a lower score for the user 11 who has not set the salary charge with electronic money. The learning model 22 can also output a higher score for a user 11 with a higher monthly salary charge amount, and output a lower score for a user 11 with a lower monthly salary charge amount.

(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 includes a reception unit 31, an upper limit determination unit 32, a selection request unit 33, a proposal unit 34, and a payment processing unit 35, and has information processing functions described below. achieve or perform any action.

(reception department)
The reception unit 31 receives payment information (see FIG. 1) from the user terminal 12 or the shop terminal 100 . The payment information includes information such as the user ID, the date of use of the electronic payment service, the store used, and the payment amount. The reception unit 31 also receives payment method determination information (see FIG. 1) from the user terminal 12 .

(Upper limit decision part)
When the payment information is received by the reception unit 31, the upper limit determination unit 32 determines the upper limit of the amount of money that can be paid later by the user 11 who transmitted the payment information, based on at least the usage status of the charge balance.

For example, the upper limit determination unit 32 inputs the user information 21 indicating the usage status of the charge balance by the user 11 who transmitted the payment information to the learning model 22, and determines the upper limit according to the score output from the learning model 22. determine the frame. The upper limit determining unit 32 determines a higher upper limit for a user 11 with a higher score, and determines a lower upper limit for a user 11 with a lower score.

Further, the upper limit determining unit 32 can also determine the upper limit of the amount that can be paid later based on information other than the usage status of the charge balance. For example, the upper limit determining unit 32 obtains from the bank server 200 the balance of the bank account held by the user 11 who has transmitted the payment information, determines a higher upper limit for the user 11 with a larger balance, and determines a higher upper limit for the user 11 with a lower balance. A lower cap can also be determined.

In addition, for example, the upper limit determination unit 32 determines a higher upper limit for a user who mainly uses member stores that handle relatively expensive products such as luxury brand products, and determines a higher limit for a user who mainly uses member stores that handle relatively low-priced products such as convenience stores. It is also possible to determine a lower upper limit for a user who mainly uses the store. In this way, the upper limit determining unit 32 can also determine the upper limit of the amount that can be paid later based on any information regarding the settlement of the user 11 that can be obtained through the electronic settlement service.

In addition, the upper limit determining unit 32 determines the amount of money that can be paid in arrears in real time according to changes in the usage status of the charge balance, based on the user information 21 that is updated each time the electronic payment service is used by the user 11. Change the upper limit. Thereby, the upper limit determining unit 32 can determine an appropriate upper limit for the user 11 according to the economic condition of the user 11 at that time.

(Selection request part)
When the upper limit of the amount that can be paid later is determined by the upper limit determining unit 32, the selection requesting unit 33 causes the user terminal 12 to display a payment method selection request screen, and the immediate payment is made from the charge balance of electronic money. , or make the user 11 select deferred payment.

(Proposal Department)
The proposing unit 34 proposes the use of deferred payment to the user 11 whose score output by the learning model 22 is equal to or higher than the threshold and who is not using deferred payment. For example, if the score by the learning model 22 of the user 11 who sent the payment information is equal to or higher than the threshold and the user 11 does not use deferred payment, the proposal unit 34 displays a payment method selection request screen as shown in FIG. Add the message "Would you like to sign up for a postpaid service?"

As a result, if the user 11 selects the deferred payment, the business operator that provides the electronic payment service using the information processing device 1 can increase profits from interest. Further, the user 11 can purchase products and use services even when the charge balance is insufficient.

In addition, the proposal unit 34 proposes the use of revolving payment to a user whose score is equal to or higher than the threshold and who does not use revolving payment. For example, if the score by the learning model 22 of the user 11 who transmitted the payment information is equal to or higher than the threshold and the user 11 does not use revolving payment, the proposal unit 34 issues a payment method selection request as shown in FIG. Add the message "Would you like to revolving payment?" on the screen.

At this time, the proposal unit 34 also displays an icon for revolving payment registration. As a result, if the user 11 selects the revolving payment, the business operator that provides the electronic payment service using the information processing device 1 can earn more profit than the one-time deferred payment, for example. In addition, since the monthly payment amount is fixed, the user 11 can easily manage the income and expenditure.

(Payment processing part)
When the payment method determination information (see FIG. 1) is received by the reception unit 31 , the payment processing unit 35 performs payment processing using the payment method selected by the user 11 . After that, when the payment processing is completed, the payment processing unit 35 transmits a payment completion notice (see FIG. 1) to the user terminal 12 and the store terminal 100 .

[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. FIG. 7 is a flowchart illustrating an example of settlement processing executed by the information processing device according to the embodiment.

As shown in FIG. 7, 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.

When the control unit 30 determines that the settlement process has been received (step S101, Yes), the control unit 30 determines the deferred payment upper limit based on the usage status of the charge balance of the user 11 (step S102). Subsequently, the control unit 30 displays a payment method selection request screen on the user terminal 12 or the store terminal 100 (step S103).

After that, the control unit 30 determines whether or not payment method determination information has been received from the user terminal 12 or the store terminal 100 (step S104). If the control unit 30 determines that the payment method confirmation information is not received (step S104, No), it repeats the determination process of step S103 until the payment method confirmation information is received.

When the control unit 30 determines that the payment method determination information has been received (step S104, Yes), it determines whether the payment method is immediate payment (step S105). If the control unit 30 determines that the payment is immediate payment (step S105, Yes), the control unit 30 executes side settlement processing (step S106), and shifts the processing to step S108. An example of instant settlement processing will be described later with reference to FIG.

If the control unit 30 determines that the payment is not made immediately (step S105, No), the control unit 30 executes deferred payment processing (step S107), and shifts the processing to step S108. An example of the deferred payment processing will be described later with reference to FIG.

When the immediate payment process or the deferred payment process is completed, the control unit 30 transmits a payment completion notification to the user terminal 12 and the shop terminal 100 (step S108), and ends the process. After that, the control unit 30 restarts the process from step S101.

[4. Immediate payment processing]
Next, with reference to FIG. 8, an example of instant settlement processing executed by the control unit of the information processing apparatus according to the embodiment will be described. FIG. 8 is a flowchart illustrating an example of instant settlement processing executed by the control unit of the information processing device according to the embodiment.

As shown in FIG. 8, when the immediate payment process is started, the control unit 30 first determines whether or not the score of the user 11 corresponding to the payment information is equal to or higher than a threshold and the deferred payment is not used (step S201). If the score of the user 11 is less than the threshold value, or if the user 11 has not used deferred payment (step S201, No), the control unit 30 shifts the process to step S204.

Further, when the control unit 30 determines that the score of the user 11 is equal to or higher than the threshold value and the deferred payment is not used (step S201, Yes), the control unit 30 proposes the deferred payment to the user 11 (step S202), and the user 11 requests the deferred payment. It is determined whether or not the application has been rejected (step S203).

If the control unit 30 determines that the user 11 has refused the deferred payment (step S203, Yes), the control unit 30 makes payment from the charge balance to the bank account of the store (step S204), ends the processing, and steps S108 shown in FIG. to process.

If the control unit 30 determines that the user 11 has accepted the deferred payment without refusing it (step S203, No), the control unit 30 executes deferred payment settlement processing (step S107), and advances the processing to step S108 shown in FIG. Transfer.

[5. Deferred payment processing]
Next, an example of deferred payment settlement processing executed by the control unit of the information processing apparatus according to the embodiment will be described with reference to FIG. 9 . FIG. 9 is a flowchart illustrating an example of deferred payment settlement processing executed by the control unit of the information processing device according to the embodiment.

As shown in FIG. 9, when starting the deferred payment settlement process, the control unit 30 first deposits the price into the bank account of the store (step S301), and determines whether or not the score of the user 11 is equal to or higher than the threshold and the revolving payment is not used. is determined (step S302). If the score of the user 11 is less than the threshold value, or if the user 11 has not used revolving credit (step S302, No), the control unit 30 shifts the process to step S305.

Further, when the control unit 30 determines that the score of the user 11 is equal to or higher than the threshold and the revolving payment is not used (step S302, Yes), the control unit 30 proposes the revolving payment to the user 11 (step S303). It is determined whether or not the revolving payment has been rejected (step S304).

When the control unit 30 determines that the user 11 has refused the revolving payment (step S304, Yes), the amount of the payment is debited from the bank account of the user 11 on a predetermined date (step S305), and the process is terminated. , the process proceeds to step S108 shown in .

If the control unit 30 determines that the user 11 has accepted the revolving payment without refusing it (step S304, No), the control unit 30 withdraws a certain amount of money from the bank account of the user 11 on a predetermined date (step S306). , the process proceeds to step S108 shown in .

[6. Modification]
The above-described embodiment is an example, and various modifications and applications are possible.

In the above-described embodiment, the user terminal 12 reads the store code 13 and the user ID displayed on the user terminal 12 is read by the store terminal 100 to perform payment processing. Settlement processing may be performed.

For example, for applicants, a plastic credit card that can be used at member stores of the electronic payment service according to the embodiment and at non-member stores is issued, and the credit card is used to make electronic You can also process payments. In this case, the credit card number should not be displayed on the face of the card, and the number and security code should be confirmed on the app.

Further, 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.

[7. effect]
As described above, the information processing apparatus 1 according to the embodiment has the selection request unit 33 and the upper limit frame determination unit 32 . The selection requesting unit 33 allows the user to select immediate payment or deferred payment from the charge balance of electronic money at the time of payment. The upper limit determining unit 32 determines the upper limit of the amount that can be paid later based on at least the usage status of the charge balance. As a result, the information processing apparatus 1 can determine the upper limit of deferred payment appropriate for the user 11 without being bound by the subjectivity of the user 11 .

The information processing device 1 also has a learning model 22 . The learning model 22 machine-learns the usage status of the charge balance by the user 11 who has made revolving payments without delay as correct data, and when the usage status of the charge balance is input, the usage status of the user 11 who has the charge balance is determined. Output a score according to the degree of reliability. The upper limit determining unit 32 determines an upper limit according to the score of the user 11 output by the learning model 22 . As a result, the information processing apparatus 1 can determine an appropriate deferred payment condition frame for each user based on the deferred payment (revolving payment) payment status of many other users.

The information processing device 1 also has a proposal unit 34 . The proposing unit 34 proposes the use of deferred payment to a user whose score output by the learning model 22 is equal to or greater than a threshold and who is not using deferred payment. Thereby, the information processing apparatus 1 can prompt the user 11 who does not use deferred payment to pay by deferred payment.

In addition, the proposal unit 34 proposes the use of revolving payment to a user whose score is equal to or higher than the threshold and who does not use revolving payment. Thereby, the information processing device 1 can prompt the user 11 who does not use the revolving payment to make the revolving payment.

In addition, the upper limit determination unit 32 changes the upper limit according to changes in the usage status of the charge balance. Thereby, the information processing apparatus 1 can determine an appropriate upper limit for the user 11 according to the economic condition of the user 11 at that time.

[8. 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.

[9. 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 22 learning model 30 control unit 31 reception unit 32 upper limit determination unit 33 selection request unit 34 proposal unit 35 payment processing unit 100 store terminal 200 bank server

Claims (7)

a selection request unit that allows the user to select immediate payment or deferred payment from the charge balance of electronic money at the time of payment;
and an upper limit determination unit that determines an upper limit of the amount of money that can be paid in arrears based on at least the usage status of the charge balance. Machine learning is performed on the usage status of the charge balance by users who have made revolving payments without delay as correct data, and when the usage status of the charge balance is input, the reliability of the user holding the charge balance is evaluated has a learning model that outputs a score according to
The upper limit frame determination unit,
The information processing apparatus according to claim 1, wherein the upper limit frame is determined according to the user's score output by the learning model. 3. The information processing apparatus according to claim 2, further comprising: a proposing unit that proposes use of said deferred payment to a user whose score output by said learning model is equal to or greater than a threshold and who is not using said deferred payment. The proposal department
4. The information processing apparatus according to claim 3, wherein the use of revolving payment is proposed to a user whose score is equal to or higher than the threshold and who is not using revolving payment. The upper limit frame determination unit,
The information processing apparatus according to any one of claims 1 to 4, wherein the upper limit frame is changed according to a change in usage status of the charge balance. A computer-executed information processing method comprising:
a selection request step of allowing the user to select immediate payment or deferred payment from the charge balance of electronic money at the time of payment;
and an upper limit frame determination step of determining an upper limit frame of the amount that allows the deferred payment based on at least the usage status of the charge balance. a selection request procedure for allowing the user to select immediate payment or deferred payment from the charge balance of electronic money at the time of payment;
and an upper limit frame determination procedure for determining an upper limit frame of the amount that allows the deferred payment based on at least the usage status of the charge balance.

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