JP2023126109A - Application program, system, information processing method and information processing device - Google Patents

Abstract

To provide an application program capable of managing a payment limit in an electronic settlement service without making a user feel uncomfortable, a system, an information process method and an information processing device.SOLUTION: An application program when causing a user terminal device of a user of an electronic settlement service to display a deferred payment as a candidate of a settlement method in the settlement of a price for the electronic settlement service, determines whether or not a usage balance of the deferred payment is the upper limit or more of the deferred payment, and when it is determined that the usage balance is the usage upper limit or more, causing the user terminal device not to display the deterred payment as the candidate of the payment method.SELECTED DRAWING: Figure 1

Description

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

Conventionally, techniques for managing payment limits in electronic payment services are known. For example, Patent Document 1 discloses a technique for restricting purchase processing related to the purchase amount when the purchase amount in an electronic payment service exceeds a payment limit set by the user.

JP2013-250822A

The technology described in Patent Document 1 restricts the purchase process when the purchase amount exceeds the payment limit after the user proceeds with the purchase procedure. However, restricting the purchase process after the user has proceeded with the purchase process may impede the smoothness of the purchase process and cause discomfort to the user.

The present invention has been made in consideration of such circumstances, and provides an application program, a system, an information processing method, and an information processing method that can manage payment limits in electronic payment services without causing discomfort to users. One of the purposes is to provide an information processing device.

One aspect of the present invention is to display deferred payment as a payment method candidate on a user terminal device of a user of the electronic payment service when making a payment in an electronic payment service. determining whether or not the usage balance is equal to or greater than the usage upper limit, and not displaying the deferred payment on the user terminal device as a candidate for the payment method if it is determined that the usage balance is equal to or higher than the usage upper limit; application program.

According to one aspect of the present invention, it is possible to provide an application program, a system, an information processing method, and an information processing device that can manage a payment limit in an electronic payment service without causing discomfort to a user. can.

1 is a diagram illustrating an example of a configuration for realizing an electronic payment service according to a first embodiment; FIG. It is a diagram illustrating the general flow of electronic payment. FIG. 1 is a configuration diagram of a user terminal device 10 and a payment server 100 according to a first embodiment. 3 is a diagram showing an example of the contents of user information 172. FIG. 3 is a diagram showing an example of the contents of BNPL setting information 176. FIG. 3 is a diagram illustrating an example of a display mode of BNPL payment displayed as a payment method candidate by the display control function 22. FIG. 12 is a diagram illustrating another example of a display mode of BNPL payment displayed as a payment method candidate by the display control function 22. FIG. 12 is a diagram illustrating another example of a display mode of BNPL payment displayed as a payment method candidate by the display control function 22. FIG. 12 is a diagram illustrating another example of a display mode of BNPL payment displayed as a payment method candidate by the display control function 22. FIG. 12 is a diagram illustrating another example of a display mode of BNPL payment displayed as a payment method candidate by the display control function 22. FIG. 12 is a diagram illustrating another example of a display mode of BNPL payment displayed as a payment method candidate by the display control function 22. FIG. 2 is a sequence diagram showing an example of the flow of processing executed by the payment application 20 and the payment server 100. FIG. FIG. 7 is a diagram illustrating an example of a display mode of BNPL payment displayed as a payment method candidate by the display control function 22 according to a modification of the first embodiment. FIG. 7 is a diagram illustrating an example of a configuration for realizing an electronic payment service according to a second embodiment. FIG. 2 is a configuration diagram of a payment server 100 according to a second embodiment. It is a figure which shows an example of the content of BNPL setting information 176B. 3 is a diagram illustrating an example of a display mode of individual BNPL payment and comprehensive BNPL payment displayed as payment method candidates by the display control function 22. FIG. 3 is a diagram illustrating an example of a display mode of individual BNPL payment and comprehensive BNPL payment displayed as payment method candidates by the display control function 22. FIG.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An application program, system, information processing method, and information processing apparatus according to the present invention will be described below with reference to the drawings. Application programs are executed by one or more processors. The application program is installed in a user terminal device of a user who uses the electronic payment service, and executes processing related to the electronic payment service in cooperation with a payment server that provides the electronic payment service. The application program further controls the display regarding the payment method applied when electronic payment is performed. Electronic payment services are services that support payments for purchasing products and services at physical stores or online shopping sites. Hereinafter, in the first embodiment, it is assumed that the electronic payment service is a service that supports payment for purchasing products and services at a physical store, and in the second embodiment, the electronic payment service is a service that supports payment for purchasing products and services at an online shopping site. It is assumed that the service supports payment related to purchases.

[First embodiment]
FIG. 1 is a diagram showing an example of a configuration for realizing the electronic payment service according to the first embodiment. The electronic payment service is realized mainly by the payment server 100. Payment server 100 communicates with each of one or more user terminal devices 10 and one or more store terminal devices 50 via network NW, for example. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, so that the payment application 20 operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 controls the camera, communication device, touch panel, etc. In the following description, the process executed with the user terminal device 10 as the subject can also be read as the process executed with the payment application 20 as the subject.

The store terminal device 50 is installed in a store, for example. The store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize a product price acquisition function and an optical reading function. The store code image 60 is placed in a store, and a code image such as a QR code (registered trademark) is printed on a paper or plastic medium. Note that the store code image 60 may be displayed on a display placed in the store.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the store terminal device 50. The payment server 100 performs electronic payment by, for example, increasing or decreasing the charge balance managed in association with the user ID (in other words, depositing and withdrawing electronic money). Furthermore, when performing electronic payment, the payment server 100 suspends the payment by the user for a predetermined period (for example, one month), and after the predetermined period, the payment server 100 completes the payment by receiving payment from the user. A BNPL (Buy Now Pay Later, hereinafter sometimes referred to as "BNPL payment") function is provided to the user terminal device 10. In this case, the operator of the electronic payment service pays the payment amount in advance to the store where the electronic payment was made, and after a predetermined period of time, the operator of the electronic payment service pays the payment amount in advance to the store where the electronic payment was made, and after a predetermined period, the user Final settlement is carried out by receiving payment of the settlement amount from. Compared to conventional deferred payment payment methods such as credit card payments, BNPL payment has simplified identification and examination procedures for use. For example, unlike credit card payment, which requires a credit check by an external credit institution, in BNPL payment, credit may be provided to the user without conducting a credit check. Furthermore, in BNPL payment, repayment methods can be set more flexibly than conventional deferred payment payment methods. For example, with credit card payments, repayments are made by account transfer on a predetermined day every month, whereas with BNPL payments, in addition to account transfers, repayment methods such as bill payments and charge balance payments are also provided. Ru. Details of these repayment methods will be discussed later.

FIG. 2 is a diagram illustrating the general flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment. In the case of pattern 1, the payment application 20 is first activated on the user terminal device 10 and displays a code image such as a QR code or barcode. The user holds (presents) the display surface of the user terminal device 10 over the store terminal device 50. The store terminal device 50 decodes the code image using an optical reading function and acquires information such as an account ID. Then, the store terminal device 50 generates payment information including an account ID, payment amount, store ID, etc., and transmits it to the payment server 100. Information on the payment amount is obtained in advance by barcode reading, manual input, etc. Based on the received information, the payment server 100 transfers the payment amount from the user's electronic payment account to the store's electronic payment account and completes the payment process.

In the case of pattern 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 using the optical reading function. The store code image 60 includes information such as the store name. The user inputs the payment amount and payment method (for example, charge balance payment or BNPL payment) into the user terminal device 10 on the screen displaying the store name and the like. When the user presses the payment button with the payment amount and payment method entered, the user terminal device 10 generates payment information including the account ID, payment amount, payment method, store ID, etc., and sends the payment information to the payment server. Send to 100. The payment server 100 performs payment processing based on the received information. In this embodiment, it is assumed that electronic payment is performed using at least the method of pattern 2. Further, the "account ID" described in FIG. 2 may be other information (for example, a telephone number) that can be used as user identification information.

[Payment server]
FIG. 3 is a configuration diagram of the user terminal device 10 and the payment server 100 according to the first embodiment. The payment application 20 installed in the user terminal device 10 has a display control function 22 implemented as a program module, a deferred payment determination function 24, and a repayment reception function 26. The payment server 100 includes, for example, a communication section 110, a payment content providing section 120, a payment processing section 122, a BNPL processing section 124, and a storage section 170. The payment content providing unit 120, the payment processing unit 122, and the BNPL processing unit 124 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit parts) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit). (including circuitry), or may be realized by collaboration between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage device such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium), and installed in the storage device by loading the storage medium into a drive device.

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the payment server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, and BNPL setting information 176.

The communication unit 110 is a communication interface for connecting to the network NW. Communication unit 110 is, for example, a network interface card.

The payment content providing unit 120 has, for example, the function of a web server, and provides the user terminal device 10 with information (content) for displaying various screens of the electronic payment service. The payment content providing unit 120 reads necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 receives various inputs from the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. Note that the content based on the payment content information 174 includes content provided in a logged-in state to the electronic payment service and content provided in a non-login state. For content in a non-login state, the payment server 100 provides various guidance information and accepts applications for new registration and change of telephone number.

The payment processing unit 122 performs payment processing based on payment information transmitted from the user terminal device 10 or the store terminal device 50. The payment processing unit 122 performs payment processing while referring to user information 172 and BNPL setting information 176, which will be described below.

FIG. 4 is a diagram showing an example of the contents of the user information 172. The user information 172 includes, for example, the minimum phone number and password necessary for new registration to an electronic payment service, as well as email address, name/address/date of birth, date of registration, charge balance, etc. for the account ID. Information such as bank account, credit card number, presence or absence of identity verification, charge history information, payment history information, chat history information, etc. are associated with each other. Information other than the telephone number, password, registration date, charge balance, charge history information, and payment history information is optionally set information. Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account. Note that the registration date is the date the user registered with the electronic payment service (the date the account was created).

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated business (bank), remittance from a registered bank account, etc. The bank account and credit card number are each information about a bank account or credit card number (account number, card number) that can be used to deposit money into the electronic payment service. Whether or not the user has been verified is information that indicates whether or not the user has verified the user's identity, for example, by uploading an image of an identification document such as a driver's license to an electronic payment service. It is. The charging history information is a history of the user increasing the charging balance by remitting money to the electronic payment service in advance. The payment history information is information that shows details of the payments made by the user (date and time, store ID of the store where the purchase was made, payment amount, etc.) for each payment.

The BNPL processing unit 124 executes various server-side processes necessary to realize BNPL payment in the electronic payment service. For example, the BNPL processing unit 124 performs settings for using BNPL payment in response to a request from the payment application 20, or in response to activation of the payment application 20 (or in response to selection of BNPL payment). Notify the amount available for payment. The BNPL processing unit 124 executes server-side processing related to such BNPL payment while referring to the BNPL setting information 176 described below.

FIG. 5 is a diagram showing an example of the contents of the BNPL setting information 176. The BNPL setting information 176 is, for example, information such as BNPL payment usage settings, usage upper limit, usage balance, repayment settings, repayment history information, etc., associated with an account ID. The usage setting for BNPL payment is information indicating whether or not the use of BNPL payment has been enabled as a result of the user of the electronic payment service applying for use of BNPL payment. In order for a user of an electronic payment service to use BNPL payment, it is required that at least the identity verification stored in the user information 172 is "confirmed".

The usage upper limit is information indicating the upper limit of the usage amount for which the user can use BNPL payment for each predetermined period (for example, one month). The usage balance is information indicating the balance amount (unpaid) used by the user for BNPL payment during a predetermined period. The available amount is information indicating the amount obtained by subtracting the usage balance from the usage upper limit, and means the amount that the user can use for BNPL payment during the current period.

The repayment setting is information indicating how the user repays the usage balance using BNPL payment. Repayment settings include, for example, balance settlement in which the amount of the used balance is debited from the charge balance on a predetermined day of each month (for example, the 27th of every month), and the amount of the used balance is debited from the bank account registered in the user information 172. This includes account transfer, and bill payment in which the amount of the usage balance written on the bill sent to the address registered in the user information 172 is paid at a convenience store, for example. The repayment history information is information indicating whether the user has repaid the usage balance at predetermined intervals (and/or the repayment amount). In addition to this, the repayment history information may also store information to the effect that if the user does not repay the BNPL payment balance for a certain period within the deadline, good.

The display control function 22 executes various controls regarding the display of the payment method on the user terminal device 10 when paying for the electronic payment service. For example, the display control function 22 displays BNPL payment as a candidate payment method on the user terminal device 10 when paying for an electronic payment service.

FIG. 6 is a diagram showing an example of a display mode of BNPL payment displayed as a payment method candidate by the display control function 22. FIG. 6 is based on the premise that electronic payment of pattern 2 shown in FIG. 2 is performed. First, when the user starts the payment application 20, the payment application 20 sends a notification indicating the activation including the user's account ID to the payment server 100. When the BNPL processing unit 124 receives a notification indicating the activation of the payment application 20, the BNPL processing unit 124 refers to the BNPL setting information 176 using the account ID as a key, and records the record corresponding to the user (at least the BNPL payment usage settings and available amount). ). The BNPL processing unit 124 transmits the acquired record to the payment application 20. When the activation of the payment application 20 is completed, the payment application 20 then decodes the store code image 60 using the optical reading function, as shown in the left part of FIG. When the payment application 20 decodes the store code image 60, as shown in the right part of FIG. Area A2 is displayed on the user terminal device 10. At this time, if the BNPL payment usage setting in the BNPL setting information 176 is enabled for the user, the display control function 22 displays selection items for selecting BNPL payment in area A2. As shown in FIG. 6, the display control function 22 may refer to the BNPL setting information 176 to display the available amount for which the user can use BNPL payment during the current period.

When the user selects BNPL payment and presses the payment button B1, the payment application 20 transmits information including the payment amount and payment method to the payment server 100. The payment server 100 receives the information, and if the payment method indicates BNPL payment, the BNPL processing unit 124 executes the BNPL payment. More specifically, the BNPL processing unit 124 transfers the amount equivalent to the payment amount input in the area A1 to the account of the physical store linked to the store code image 60, and at the same time transfers the usage balance in the BNPL setting information 176. , is increased by the payment amount (at the same time, the available amount is subtracted by the payment amount). Thereafter, when a predetermined period of time has elapsed and the date of settlement of the usage balance comes, the BNPL processing unit 124 settles the BNPL payment using the repayment method set in the repayment settings (for example, from the user's charge balance (subtract the payment amount). When the BNPL processing unit 124 succeeds in clearing the BNPL payment, the BNPL processing unit 124 records information to that effect (and/or the repayment amount) in the repayment history information of the BNPL setting information 176.

In this way, by using BNPL payment, the user of the electronic payment service can perform electronic payment even if the charge balance is less than the payment amount. However, as described above, a usage upper limit is set for each predetermined period for BNPL payment, and depending on the user's current available amount, BNPL payment may not be possible. In this case, the user is unaware that the available amount is less than the payment amount, and an error occurs when attempting to execute the BNPL payment, or the user is unable to obtain the goods or services he/she wants to purchase. The first embodiment deals with such a problem.

FIG. 7 is a diagram showing another example of the display mode of BNPL payment displayed as a payment method candidate by the display control function 22. FIG. 7 shows a situation where the user's available amount for BNPL payment is 0 yen, that is, the usage balance has reached the usage upper limit. The deferred payment determination function 24 determines whether the available amount for BNPL payment by the user is 0 yen (that is, whether the usage balance is equal to or greater than the usage upper limit). If it is determined that the available amount is 0 yen, the display control function 22 operates to prevent the user terminal device 10 from displaying BNPL payment as a payment method candidate. Here, "not displaying" includes not only not displaying but also visually displaying that BNPL payment is not possible. In the example of FIG. 7, the display control function 22 displays the selection items for BNPL payment in gray scale to visually indicate to the user that BNPL payment is not possible. This can prevent the user from feeling uncomfortable due to the occurrence of a BNPL payment error.

Furthermore, the display control function 22 controls the display control function 22 so that when the user uses BNPL payment and the available amount becomes 0 yen (that is, when the usage balance reaches the usage upper limit), the usage balance reaches the usage upper limit. Information indicating that the amount has been reached may be displayed on the home screen of the payment application 20, for example. Further, for example, the display control function 22 may notify information indicating that the usage balance has reached the usage upper limit using a function such as a push notification.

FIG. 8 is a diagram showing another example of the display mode of BNPL payment displayed as a payment method candidate by the display control function 22. FIG. 8 shows a situation where the user's available amount for BNPL payment is not 0 yen, but the payment amount input by the user exceeds the available amount. The deferred payment determination function 24 determines whether the payment amount input by the user exceeds the available amount for the user (in other words, whether the sum of the payment amount and the usage balance exceeds the usage upper limit). do. If the deferred payment determination function 24 determines that the payment amount input by the user exceeds the available amount for the user, the display control function 22 displays BNPL payment as a candidate payment method on the user terminal device 10. It works so that it is not displayed as . This can prevent the user from feeling uncomfortable due to the occurrence of a BNPL payment error.

FIG. 9 is a diagram showing another example of the display mode of BNPL payment displayed as a payment method candidate by the display control function 22. Similar to FIG. 7, FIG. 9 shows a situation where the user's available amount for BNPL payment is 0 yen, that is, the usage balance has reached the usage upper limit. As shown in the left part of FIG. 9, the display control function 22 may cause the user terminal device 10 to display a button B2 for accepting repayment of the usage balance when the usage balance reaches the usage upper limit. When the user presses button B2, the user terminal device 10 transitions to a screen for accepting repayment of the usage balance.

In the right part of FIG. 9, symbol A3 indicates an area for the user to select a repayment method for the usage balance, symbol A4 indicates an area for inputting the repayment amount, and symbol B3 indicates the selected repayment method. Shows a button for repaying the usage balance. The usage balance repayment method is, for example, balance repayment where the usage balance amount is debited from the charge balance, account repayment where the usage balance amount is debited from the bank account registered in the user information 172, or account repayment method where the usage balance amount is debited from the bank account registered in the user information 172. This includes, for example, invoice repayment where you pay at a convenience store the amount of the usage balance written on the invoice sent to the specified address. As shown in FIG. 9, the display control function 22 selects the repayment method until the BNPL payment becomes possible again when repayment is executed using the repayment method (in other words, the display control function 22 selects the BNPL payment selection item). The estimated time (until it is redisplayed) may also be displayed.

When the user specifies the repayment method and repayment amount for the balance used and presses the repayment button B3, the repayment reception function 26 accepts the selection and transmits reception information to the payment server 100. When the payment server 100 receives the reception information, the BNPL processing unit 124 executes repayment of the usage balance using the selected repayment method, and updates (that is, increases) the available amount for BNPL payment. The BNPL processing unit 124 sends the updated available amount to the payment application 20, and the display control function 22 controls the usage amount when the available amount is greater than zero (that is, when the usage balance is less than the usage upper limit). The user terminal device 10 redisplays BNPL payment as a payment method candidate. Thereby, it is possible to restore BNPL payment before the repayment date of the usage balance, and it is possible to improve convenience for the user.

The process explained in FIG. 9 is for restoring BNPL payment by the user bringing forward the repayment of the usage balance. That is, for this purpose, the user needs to prepare cash for repayment in advance. However, since users do not always have such financial resources, it is less convenient for users to provide only a means of repayment to restore BNPL payments. Therefore, the process described below provides the user with a means to restore BNPL payment even if the user does not have cash for repayment in advance.

FIG. 10 is a diagram showing another example of the display mode of BNPL payment displayed as a payment method candidate by the display control function 22. In FIG. 10, reference numeral B4 indicates a request button for the user to request a continuous increase in the usage upper limit for BNPL payment. Here, "continuous increase" means that once the usage limit has been raised, it will become permanent thereafter (more specifically, if the provision of electronic payment service ends or if the user (until you unsubscribe from the service). For example, the display control function 22 causes the user terminal device 10 to display the request button B4 when the difference between the usage balance and the usage upper limit is within the threshold value (that is, when the available usage amount is within the threshold value). .

When the user presses the request button B4, the payment application 20 transmits information to the payment server 100 indicating that the user desires a continuous increase in the usage limit. When the BNPL processing unit 124 receives information from the payment application 20 indicating that the user wishes to continuously increase the usage limit, the BNPL processing unit 124 processes the user's credit based on the user's usage history of the electronic payment service. A score is calculated, and if the credit score is equal to or higher than a threshold value, it is determined that the usage limit is to be raised continuously. Here, the usage history includes at least one of payment history information recorded in the user information 172 and repayment history information recorded in the BNPL setting information 176. For example, the BNPL processing unit 124 may calculate a higher credit score as the average monthly payment amount of the user is higher. Further, for example, the BNPL processing unit 124 may calculate a higher credit score the longer the period in which the user has settled the usage balance on time.

FIG. 11 is a diagram showing another example of the display mode of BNPL payment displayed as a payment method candidate by the display control function 22. In FIG. 11, reference numeral B5 indicates a request button for the user to request a temporary increase in the usage upper limit for BNPL payment. Here, "temporary increase" means increasing the usage limit for a limited period of time (for example, several days or one month). For example, the display control function 22 causes the user terminal device 10 to display the request button B5 when the difference between the usage balance and the usage upper limit is within the threshold value (that is, when the available usage amount is within the threshold value). . When the user presses the request button B5, the payment application 20 transmits information to the payment server 100 indicating that the user desires a continuous increase in the usage limit. When the BNPL processing unit 124 receives information from the payment application 20 that the user wishes to continuously increase the usage limit, the BNPL processing unit 124 records the usage history of the electronic payment service by the user, as in the case of FIG. Based on this, the credit score of the user is calculated, and if the credit score is equal to or higher than the threshold value, it is determined that the usage upper limit should be temporarily raised. Furthermore, if the usage limit is temporarily increased, the credit risk assumed by the operator of the electronic payment service will be smaller than if the usage limit is continuously raised. Therefore, the threshold for allowing a temporary increase in the usage limit may be set to a smaller value than the threshold for allowing a continuous increase in the usage upper limit. This makes it possible to provide as many opportunities as possible to return to BNPL payments even for users who do not have high credit scores.

FIG. 12 is a sequence diagram illustrating an example of the flow of processing executed by the payment application 20 and the payment server 100. First, the payment application 20 is activated, for example, in response to a button operation by a user (step S10). When the payment application 20 is activated, it transmits activation information including at least the user's account ID to the payment server 100 (step S12).

When the payment server 100 receives the activation information, it refers to the BNPL setting information 176 using the account ID included in the activation information as a key, and acquires the record corresponding to the account ID (step S14). Next, the payment server 100 transmits the acquired record of the BNPL setting information 176 to the payment application 20 (step S16). As a result, the payment application 20 determines whether or not BNPL payment is enabled for the user, and if BNPL payment is enabled, at least the available amount set for the user. get.

Next, when making a payment at a physical store, the payment application 20 decodes the store code image 60 installed at the physical store and identifies the physical store to which the fee will be paid (step S18). The payment application 20 causes the user terminal device 10 to display an area for inputting the payment amount to be paid to the specified physical store and an area for selecting a payment method (step S20). At this time, if BNPL payment is enabled, the payment application 20 displays BNPL payment and available amount as payment method candidates. The display mode of BNPL payment is as described with reference to FIGS. 6 to 11.

Next, when the payment amount and payment method are input by the user, the payment application 20 transmits payment information including these input information to the payment server 100 (step S22). The payment server 100 executes electronic payment according to the input payment method (step S24). That is, if BNPL payment is specified in the payment information, payment server 100 uses BNPL processing unit 124 to execute BNPL payment. This completes the processing of this sequence diagram.

According to the first embodiment described above, when the payment application determines that the usage balance is equal to or higher than the usage limit, the payment application does not display BNPL payment as a payment method candidate on the user terminal device, and does not display BNPL payment as a payment method candidate. It is possible to prevent the user from feeling uncomfortable due to the occurrence of an error. Further, the payment application provides the user with an opportunity to increase the upper limit of usage if the available amount for BNPL payment is within the threshold. Thereby, the payment limit in the electronic payment service can be managed without causing discomfort to the user.

Note that in the first embodiment described above, the display mode of the BNPL payment by the display control function 22 is shown individually. However, the present invention is not limited to such a configuration, and the display modes described with reference to FIGS. 6 to 11 may be combined with each other. For example, when the usage balance of BNPL payment reaches the usage upper limit, the display control function 22 displays the repayment button B2 shown in FIG. 9 and the request button for continuously increasing the usage upper limit shown in FIG. B4 may also be displayed together. Further, for example, the display control function 22 may also be configured to provide a request button B4 for requesting a continuous increase in the usage limit as shown in FIG. 10, and a request button B4 for requesting a temporary increase in the usage limit as shown in FIG. The button B5 may also be displayed so that the user can decide whether to raise the usage limit continuously or temporarily according to his/her wishes.

Furthermore, in the first embodiment described above, as an example, when the user terminal device 10 decodes the store code image 60 (that is, when performing electronic payment), the display control function 22 This section explains the case where the display of is controlled. However, the present invention is not limited to such a configuration, and for example, when making default payment settings through the settings screen of the payment application 20, the display control function 22 may perform the display control described above. For example, when the user sets BNPL payment as the default payment method, if the usage balance has reached the usage limit, the repayment button B2 shown in Figure 9 or the request button B4 shown in Figure 10 can be pressed. It may also be displayed on the settings screen.

Furthermore, in the first embodiment described above, program modules such as the display control function 22, the deferred payment determination function 24, and the repayment acceptance function 26 included in the payment application 20 cooperate with each other to perform processing related to displaying payment methods. This is achieved by doing. However, the present invention is not limited to such a configuration, and functional units such as the display control function 22, deferred payment determination function 24, and repayment acceptance function 26 function as a display control unit, a deferred payment determination unit, and a repayment acceptance unit, respectively. It may be implemented in the server 100. In that case, the electronic payment service is implemented as a web application, for example, and the payment application 20 accesses the payment server 100 via the web browser to display processing results related to electronic payment and BNPL payment.

<Modified example of the first embodiment>
In the first embodiment described above, the deferred payment determination function 24 determines whether the available amount for BNPL payment by the user is 0 yen (that is, whether the usage balance is equal to or greater than the usage upper limit). If it is determined that the available amount is 0 yen, the display control function 22 operates so as not to display BNPL payment as a payment method candidate on the user terminal device 10. However, in actual payments, the available amount for BNPL payments rarely matches 0 yen, and the available amount decreases to a small amount (for example, 20 yen) to the extent that the number of items that can be purchased decreases. Calmness is common. In that case, in the configuration of the first embodiment, even though there are almost no items that can be purchased, BNPL payment continues to be displayed as a payment method candidate because the available amount is greater than 0 yen. become. That is, such a configuration may impair convenience for users.

With the above-mentioned circumstances as a background, in the modification of the first embodiment, the storage unit 170 holds an additional amount frame for each user that allows the use of BNPL payment only once in excess of the upper limit for use of BNPL payment. do. The additional amount frame is calculated in advance by the BNPL processing unit 124, for example, based on the usage history of the electronic payment service by the user. For example, the additional amount limit is set to a larger value as the monthly payment amount by the user increases.

When the user inputs the payment amount on the payment application 20, the BNPL processing unit 124 receives the input payment amount from the payment application 20, and determines whether the payment amount exceeds the sum of the available amount and the additional amount frame. Determine whether or not. If it is determined that the payment amount does not exceed the sum of the available amount and the additional amount frame, the BNPL processing unit 124 causes the user terminal device 10 to display BNPL payment as a candidate payment method.

FIG. 13 is a diagram showing an example of a display mode of BNPL payment displayed as a payment method candidate by the display control function 22 according to the modification of the first embodiment. In FIG. 13, for example, the available amount for BNPL payment is set to 90 yen, and 300 yen is input as the payment amount. At this time, the BNPL processing unit 124 determines that the payment amount (300 yen) does not exceed the total of the available amount (90 yen) and the additional amount limit (for example, 500 yen), and sends the payment amount to the user terminal device 10. , BNPL payment is displayed as a possible payment method. The use of the additional amount limit is valid only once, so if the user executes BNPL payment in the scene shown in Figure 13, the available amount will be 0 yen, and in subsequent electronic payments, BNPL payment will be used as a candidate payment method. is not displayed as . In this way, by allowing the use of BNPL payment only once when the usage limit for BNPL payment is exceeded, BNPL payment continues to be displayed as a possible payment method even though there are almost no items that can be purchased. The inconvenience can be resolved.

Note that the determination as to whether the payment amount exceeds the total of the available amount and the additional amount frame may be performed on the payment application 20 side. In that case, the payment application 20 receives, for example, the available amount and additional amount frame values from the payment server 100 at the time of startup, and when executing electronic payment, the deferred payment determination function 24 determines that the entered payment amount will be used. It is determined whether the total of the possible amount and the additional amount limit is exceeded.

<Second embodiment>
The first embodiment described above controls the display mode of BNPL payment when the user makes electronic payment at a physical store. On the other hand, the present invention can also be applied when a user makes an electronic payment at an online shopping site, for example. The electronic payment service according to the second embodiment will be described below, with emphasis on the configuration that is different from the first embodiment.

FIG. 14 is a diagram illustrating an example of a configuration for realizing the electronic payment service according to the second embodiment. The electronic payment service according to the second embodiment is realized by the user terminal device 10 and the payment server 100B. In addition to the functions of the payment server 100 according to the first embodiment, the payment server 100B provides the user terminal device 10 with a function for purchasing goods and services at an online shopping site. The user accesses the payment server 100B via the payment application 20 of the user terminal device 10 and purchases goods and services at the online shopping site. Note that a server that provides functions related to the online shopping site may be provided separately from the payment server 100B.

FIG. 15 is a configuration diagram of a payment server 100B according to the second embodiment. Unlike the configuration of the payment server 100 according to the first embodiment, the payment server 100B includes BNPL setting information 176B having a different configuration from the BNPL setting information 176. Specifically, in the second embodiment, the payment server 100B provides the user terminal device 10 with a plurality of different types of BNPL payment functions, and the BNPL setting information 176B includes setting information regarding these plural types of BNPL payments. It is used to store. Note that, since a known configuration can be adopted as the configuration regarding the functions of the online shopping site provided by the payment server 100B, the description of the functional units is omitted in FIG. 15.

FIG. 16 is a diagram showing an example of the contents of the BNPL setting information 176B. The BNPL setting information 176B includes, for example, usage settings for individual BNPL payment, usage upper limit 1, usage balance 1, available amount 1, inclusive BNPL payment usage settings, usage upper limit 2, and usage balance 2 for the account ID, for example. , available amount 2, repayment history information, etc. are associated with each other. The individual BNPL payment is an example of a "first type of deferred payment," and the comprehensive BNPL payment is an example of a "second type of deferred payment." The comprehensive BNPL payment is a payment method similar to the BNPL payment according to the first embodiment, so its explanation will be omitted.

Individual BNPL payment is a deferred payment method that allows deferred payment for each product purchased at an online shopping site. In FIG. 16, the usage setting for individual BNPL payment is information indicating whether or not the use of individual BNPL payment has been enabled as a result of the user of the electronic payment service applying for use of individual BNPL payment. That is, when the use of individual BNPL payment is set to "valid", the user can select individual BNPL payment as the payment method when purchasing a product or service at an online shopping site. When a user selects individual BNPL payment, the BNPL processing unit 124 determines whether or not individual BNPL payment is permitted for the user for each product or service to be purchased. Unlike the comprehensive BNPL payment, the individual BNPL payment does not require identification in order to be valid, so the usage upper limit 1 is set to be lower than the usage upper limit 2.

FIG. 17 is a diagram showing an example of a display mode of individual BNPL payment and comprehensive BNPL payment displayed as payment method candidates by the display control function 22. FIG. 17 shows a scene in which a user accesses an online shopping site using the user terminal device 10 and selects a payment method to purchase a television. In FIG. 17, symbol A5 indicates an item for selecting a balance payment in which an amount corresponding to the price of the product is debited from the charge balance, symbol A6 indicates an item for selecting an individual BNPL payment, and symbol A7 indicates an item for selecting an individual BNPL payment. , indicates an item for selecting comprehensive BNPL payment. Generally, unlike the comprehensive BNPL payment, the display control function 22 does not display the available amount for the individual BNPL payment on the user terminal device 10. Therefore, compared to comprehensive BNPL payment, individual BNPL payment has a problem in that errors are more likely to occur during payment.

Therefore, when the user transitions to the purchase page of the online shopping site, the BNPL processing unit 124 refers to the BNPL setting information 176B and refers to the available amount (i.e., the available amount 1 ) is zero. The display control function 22 operates so as not to display individual BNPL payment as a payment method candidate on the user terminal device 10 when the BNPL processing unit 124 determines that the available amount 1 is zero.

FIG. 18 is a diagram showing another example of the display mode of individual BNPL payment and comprehensive BNPL payment displayed as payment method candidates by the display control function 22. FIG. 18 shows that in response to the BNPL processing unit 124 determining that the amount available for individual BNPL payment by the user is zero, the display control function 22 displays the selection items for individual BNPL payment in gray scale. It represents a scene where there is. Thereby, it is possible to prevent the user from feeling uncomfortable due to the occurrence of an error in individual BNPL payment.

The operations performed by the display control function 22 shown in FIGS. 9 to 11 can be similarly applied to individual BNPL payments. For example, as in the case of FIG. 9, when the usage balance of the individual BNPL payment by the user reaches the usage upper limit, the display control function 22 may provide a button to the user terminal device 10 to accept the repayment of the usage balance. It may be displayed. For example, as in the case of FIGS. 10 and 11, if the available amount for individual BNPL payment by the user is within the threshold (or zero), the display control function 22 may continuously or temporarily change the available amount. A button for pulling up the target may be displayed on the user terminal device 10. In this case as well, the determination as to whether or not to increase the available amount will be made using the credit score calculated based on the user's payment history information and repayment history information.

According to the second embodiment described above, when it is determined that the usage balance of the individual BNP payment is equal to or higher than the usage limit, the payment application displays the individual BNP payment as a candidate payment method on the user terminal device. It is possible to prevent the user from feeling uncomfortable due to the occurrence of an error in individual BNPL payment. Further, the payment application provides the user with an opportunity to increase the usage limit if the available amount for individual BNPL payment is within the threshold. Thereby, the payment limit in the electronic payment service can be managed without causing discomfort to the user.

Although the mode for implementing the present invention has been described above using embodiments, the present invention is not limited to these embodiments in any way, and various modifications and substitutions can be made without departing from the gist of the present invention. can be added.

10 User terminal device 20 Payment application 22 Display control function 24 Deferred payment determination function 26 Repayment reception function 50 Store terminal device 60 Store code image 100, 100B Payment server 110 Communication unit 120 Payment content provision unit 122 Payment processing unit 170 Storage unit 172 Use User information 174 Payment content information 176, 176B BNPL setting information

Claims (13)

In displaying deferred payment as a possible payment method on the user terminal device of the user of the electronic payment service when making a payment in the electronic payment service, the balance used for the deferred payment is equal to or greater than the upper limit for deferred payment. determining whether or not, and if it is determined that the usage balance is equal to or higher than the usage limit, not displaying the deferred payment as a candidate for the payment method on the user terminal device;
application program. When making a payment using an electronic payment service related to a purchase at a physical store, the user terminal device of the user of the electronic payment service reads the identification information of the physical store and links the payment amount to the physical store. When entering,
Determine whether the payment amount exceeds the available amount for deferred payment, which is calculated by subtracting the usage balance for deferred payment from the upper limit amount for deferred payment, and if the payment amount exceeds the available amount, If it is determined, the user terminal device does not display the deferred payment as a payment method candidate;
application program. When making a payment using an electronic payment service related to a purchase at a physical store, the user terminal device of the user of the electronic payment service reads the identification information of the physical store and links the payment amount to the physical store. When entering,
Based on the additional amount limit set for each user, in which the use of the deferred payment is allowed only once in excess of the deferred payment usage limit, the payment amount is reduced from the deferred payment usage limit to the deferred payment usage limit. Determine whether or not the payment amount exceeds the total of the available amount for deferred payment calculated by subtracting the balance and the additional amount limit, and the payment amount exceeds the total of the available amount and the additional amount limit. If it is determined that there is no payment method, displaying the deferred payment as a payment method candidate on the user terminal device;
application program. In displaying deferred payment as a possible payment method on the user terminal device of the user of the electronic payment service when making a payment in an electronic payment service, the difference between the usage balance of the deferred payment and the upper limit of the usage amount of the deferred payment. is within a threshold, displaying on the user terminal device an option indicating whether or not the user wishes to continuously increase the usage limit;
application program. In displaying deferred payment as a possible payment method on the user terminal device of the user of the electronic payment service when making a payment in an electronic payment service, the difference between the usage balance of the deferred payment and the upper limit of the usage amount of the deferred payment. is within a threshold, displaying on the user terminal device an option indicating whether or not the user wishes to temporarily increase the usage limit;
application program. If it is determined that the usage balance is equal to or higher than the usage limit, the user terminal device is notified of information indicating that the deferred payment cannot be used as a payment method;
The application program according to any one of claims 1 to 5. accepting repayment of the deferred payment balance from the user terminal device;
Displaying the deferred payment on the user terminal device as a candidate for the payment method if the usage balance falls below the usage upper limit as a result of accepting the repayment of the usage balance;
The application program according to any one of claims 1 to 6. causing the user terminal device to display an expected period from the repayment to the display;
The application program according to claim 7. causing the user terminal device to display the available amount of deferred payment calculated by subtracting the usage balance from the usage upper limit;
The application program according to any one of claims 1 to 8. The deferred payment includes a first type of deferred payment that allows use for each purchase in the electronic payment service, and a second type that allows use within the upper limit of usage regardless of the number and content of purchases in the electronic payment service. Including 2 types of deferred payment,
causing the user terminal device to display the first type of deferred payment and the second type of deferred payment as candidates for the payment method;
The application program according to any one of claims 1 to 9. The user terminal device equipped with the application program according to claim 4 or 5;
A server device that provides the electronic payment service,
When the server device receives information from the user terminal device indicating that the usage limit is desired to be increased continuously or temporarily, the server device increases the usage amount based on the usage history of the electronic payment service. Determine whether to increase the maximum amount continuously or temporarily;
system. The computer is
In displaying deferred payment as a possible payment method on the user terminal device of the user of the electronic payment service when making a payment in the electronic payment service, the balance used for the deferred payment is equal to or greater than the upper limit for deferred payment. determining whether or not, and if it is determined that the usage balance is equal to or higher than the usage limit, not displaying the deferred payment as a candidate for the payment method on the user terminal device;
Information processing method. a display control unit that displays deferred payment as a candidate payment method on a user terminal device of a user of the electronic payment service when making a payment in the electronic payment service;
a deferred payment determination unit that determines whether the deferred payment usage balance is equal to or greater than the deferred payment usage limit;
The display control unit does not display the deferred payment as a candidate for the payment method on the user terminal device when the deferred payment determination unit determines that the usage balance is equal to or greater than the usage upper limit.
Information processing device.

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