JP2023130814A - Information processing device, information processing method, and program - Google Patents

Abstract

To provide an information processing device, an information processing method and a program which are capable of enhancing the convenience of repaying a postpaid expense.SOLUTION: An information processing device comprises: a repayment acceptance unit which accepts, via a financial institution linked to an electronic settlement service, designation of a deposit amount for repaying at least a portion of a postpaid expense generated by execution of postpaid settlement in the electronic settlement service; and a repayment processing unit which, in response to accepting the designation of the deposit amount, pays off the at least a portion of the amount and adds a surplus amount left over after subtracting the at least a portion of the amount from the deposit amount, to a charge balance available for settlement in the electronic settlement service.SELECTED DRAWING: Figure 1

Description

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

Conventionally, techniques for realizing deferred payment in electronic payment services are known. For example, Patent Document 1 describes that a limit amount for deferred payment is determined based on a user's usage history of an electronic payment service.

Patent No. 6951602

However, the conventional technology does not improve the convenience of repaying the deferred payment amount generated by deferred payment.

The present invention has been made in consideration of such circumstances, and one of the objects is to provide an information processing device, an information processing method, and a program that can improve the convenience of repaying deferred payment usage amounts. Let's do one.

One aspect of the present invention allows a financial institution that cooperates with the electronic payment service to specify a deposit amount for repaying at least a part of the deferred payment amount generated by executing the deferred payment payment in the electronic payment service. In response to receiving the designation of the deposited amount, the repayment acceptance unit accepts the payment through the deposited amount, and in response to receiving the designation of the deposited amount, the at least part of the amount is settled, and the surplus amount obtained by subtracting the at least part of the amount from the deposited amount is An information processing device comprising: a repayment processing unit that adds to a charge balance available for payment in an electronic payment service.

According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can improve the convenience of repaying deferred payment usage amounts.

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 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. It is a figure which shows an example of the flow of repaying the usage balance of BNPL payment at ATM. 3 is a diagram showing an example of the flow of processing executed by the payment server 100. FIG. 3 is a diagram showing another example of the flow of processing executed by the payment server 100. FIG. 5 is a diagram illustrating an example of information proposed by the repayment acceptance unit 126. FIG.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing apparatus, an information processing method, and a program according to the present invention will be described below with reference to the drawings. An information processing device is realized by one or more processors. The information processing device is a device that provides services such as electronic payment services, and will be referred to as a "payment server" in the following description. An electronic payment service is a service that supports payments for purchases of products and services at stores. A store is, for example, a physical store (actual store) that exists in real space.

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, one or more store terminal devices 50, and bank server 70 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. Additionally, for example, the user may enter the company number of the operator of the electronic payment service at an ATM (Automatic Teller Machine) of a bank affiliated with the electronic payment service, and complete the payment by transferring the amount equivalent to the balance used. You can also do this. In this case, the payment server 100 can settle the BNPL payment by receiving transfer information from the user from a server operated by the bank. Compared to conventional deferred payment payment methods such as credit card payments, BNPL payment has simplified identification and screening procedures for use. For example, unlike credit card payments, which require a credit check by an external credit institution, in BNPL payments, credit may be provided to the user without conducting a credit check. It is assumed that the BNPL payment in this embodiment does not require identity verification for use.

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 the 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 moves 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 payment server 100 according to the first embodiment. 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, a repayment acceptance section 126, a repayment processing section 128, and a storage section 170. The payment content providing section 120, the payment processing section 122, the BNPL processing section 124, the repayment acceptance section 126, and the repayment processing section 128 are realized by, for example, a hardware processor such as a CPU executing a program (software). be done. 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, registration date, and first charge for the account ID. Information such as balance, second charge balance, bank account, credit card number, identity verification, charge history information, payment history information, etc. are associated with each other. Information other than the telephone number, password, registration date, second charge balance, charge history information, and payment history information is optional setting 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 first charge balance and the second charge balance are information indicating the balance of electronic money set by the user transferring money to the account in advance. The first charge balance is the charge balance that is permitted to be used after the user completes personal authentication and registers a bank account in the electronic payment service, and the second charge balance is the charge balance that the user is allowed to use when the user completes personal authentication and registers a bank account in the electronic payment service. This is the charge balance that is permitted to be used regardless of the completion of authentication. In other words, the balance amount charged to the first charge balance can be withdrawn to a bank account according to the user's wishes, while the balance amount charged to the second charge balance can be withdrawn from the electronic payment service. It is used only for payment. The second charge balance is allowed to be used by all users at the time of registration with the electronic payment service.

Methods of remittance include remittance from an ATM of a designated business (bank), remittance from a registered bank account (in the case of the first charge balance), 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 first charging balance or the second 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.

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 amount of deferred payment (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. Furthermore, in this embodiment, the user enters the company number of the operator of the electronic payment service at an ATM of a bank affiliated with the electronic payment service, and performs payment by transferring the amount equivalent to the usage balance. You can also do it. 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.

FIG. 6 is a diagram showing an example of the flow of repaying the balance used for BNPL payment at an ATM. First, in the first step, the user visits an ATM of a bank affiliated with the electronic payment service and inputs information indicating that the transaction (deposit) will be made using a smartphone. Next, in the second step, the user starts the payment application 20 and presses the repayment button displayed on the screen of the payment application 20. Next, in the third step, the user presses a button indicating that an ATM repayment will be made on the screen of the payment application 20 that transitions after pressing the repayment button, and at the same time inputs the repayment amount to be repaid this time. input. Due to the structure of the payment application 20, the repayment amount entered at this time may always be set to the full amount of the BNPL payment balance, or the user may input any amount within the range of the usage balance. It may be possible. The payment application 20 associates the input repayment amount with the account ID and transmits it to the payment server 100, and the repayment reception unit 126 temporarily stores the received account ID and repayment amount in association with each other. The repayment amount is an example of "at least a portion of the deferred payment usage amount."

Next, in the fourth step, the user reads the code image displayed on the ATM using the scanner of the payment application 20. Next, in the fifth step, the user inputs the company number of the operator of the electronic payment service on the company number input screen displayed on the ATM. This creates a link between the user who repays the balance and the operator of the electronic payment service. Next, in the sixth step, the user deposits the repayment amount input in the third step (more precisely, the amount equal to or greater than the repayment amount) into the ATM. When the repayment amount is deposited into the ATM, the bank notifies the payment server 100 of information that the repayment amount has been deposited. Note that due to the structure of a general ATM, the amount deposited is in banknotes (for example, 1000 yen, 5000 yen, 10000 yen). Furthermore, the repayment amount may include a deposit fee charged by the bank to the user.

The repayment receiving unit 126 receives information indicating that the user has deposited money into an ATM (including the deposited amount; hereinafter, may be referred to as "deposit information") via the bank. When the information is received by the repayment receiving unit 126, the repayment processing unit 128 settles (that is, subtracts) the usage balance generated by the BNPL payment by an amount corresponding to the repayment amount. At the same time, the repayment accepting unit 126 adds the fractional amount obtained by subtracting the repayment amount from the deposited amount to the second charge balance. As described above, the second charge balance is allowed to be used by all users at the time of registration with the electronic payment service. That is, with the above processing, even if a fraction occurs when repaying the balance used for BNPL payment, it is possible to use electronic payment for the amount corresponding to the fraction. Thereby, it is possible to improve the convenience of repaying the deferred payment usage amount.

In addition, as another aspect, when the payment information is received by the payment acceptance unit 126, the repayment processing unit 128 refers to the user information 172 and allows the user for whom the payment information has been received to use the first charge balance. For users who are permitted to use the first charge balance, an amount corresponding to a fraction may be added to the first charge balance. As a result, users who are permitted to use their first charge balance will be able to withdraw the fractional amount to their bank account, further increasing the convenience of repaying deferred payment amounts. be able to.

FIG. 7 is a diagram illustrating an example of the flow of processing executed by the payment server 100. First, the repayment reception unit 126 determines whether or not deposit information including the deposit amount has been received from a bank with which the electronic payment service cooperates (step S100). If it is determined that the deposit information has been received, the repayment processing unit 128 subtracts the usage balance of the BNPL setting information 176 by an amount corresponding to the repayment amount (step S102). Next, the repayment processing unit 128 adds the fractional amount obtained by subtracting the repayment amount from the deposited amount to the second charge balance (step S104). This completes the processing of this flowchart.

FIG. 8 is a diagram showing another example of the flow of processing executed by the payment server 100. First, the repayment reception unit 126 determines whether or not deposit information including the deposit amount has been received from a bank with which the electronic payment service cooperates (step S200). If it is determined that the deposit information has been received, the repayment processing unit 128 subtracts the usage balance of the BNPL setting information 176 by an amount corresponding to the repayment amount (step S202).

Next, the repayment processing unit 128 determines whether the user who made the repayment is permitted to use the first charge balance (step S204). If it is determined that the user who made the repayment is permitted to use the first charge balance, the repayment processing unit 128 adds the fractional amount obtained by subtracting the repayment amount from the deposited amount to the first charge balance. (Step S206). On the other hand, if it is determined that the user who has made the repayment is not permitted to use the first charge balance, the repayment processing unit 128 subtracts the repayment amount from the deposited amount and adds the fractional amount to the second charge balance. (Step S208) This completes the processing of this flowchart.

By the process of the flowchart explained above, even if a fraction occurs when repaying the balance used for BNPL payment, it is possible to use electronic payment for the amount corresponding to the fraction. Thereby, it is possible to improve the convenience of repaying the deferred payment usage amount.

As described above, when repaying the balance used for BNPL payment, users who are permitted to use the first charge balance will enjoy greater convenience than users who are not permitted. Therefore, the repayment reception unit 126 may suggest that a user who is not permitted to use the first charge balance perform personal authentication and register a bank account when repaying the balance used for BNPL payment at an ATM. .

FIG. 9 is a diagram showing an example of information proposed by the repayment accepting unit 126. FIG. 9 represents the situation of the third step shown in FIG. When the user presses the repayment button in the second step shown in FIG. It is determined whether the use of the first charge balance is permitted. If the repayment acceptance unit 126 determines that the user is not permitted to use the first charge balance, it causes the payment application 20 to display information recommending execution of personal authentication and bank account registration.

As an example, in FIG. 9, message M1 represents proposal information to the effect that a fractional amount can be withdrawn by registering a bank account. At this time, if the user presses the identity authentication button B1, the payment application 20 proceeds with the normal identity authentication procedure. In addition, as another aspect, if the user has completed identity authentication and has not registered a bank account, the repayment reception unit 126 causes the payment application 20 to display suggestion information to register a bank account. Also good.

According to the embodiment described above, even if a fraction occurs when repaying the balance used for BNPL payment, it is possible to use electronic payment for the amount corresponding to the fraction. Thereby, it is possible to improve the convenience of repaying the deferred payment usage amount.

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 Payment server 110 Communication section 120 Payment content provision section 122 Payment processing section 124 BNPL processing section 126 Repayment reception Section 128 Repayment processing section 170 Storage section 172 User information 174 Payment content information 176 BNPL setting information

Claims (6)

a repayment acceptance unit that accepts, via a financial institution that cooperates with the electronic payment service, a designation of a deposit amount for repaying at least a part of the deferred payment usage amount generated by executing a deferred payment payment in the electronic payment service; ,
In response to receiving the designation of the deposited amount, at least part of the amount is settled, and the surplus amount obtained by subtracting the at least part of the amount from the deposited amount can be used for payment in the electronic payment service. a repayment processing unit that adds to the charge balance;
Information processing device. The charge balance includes a first charge balance that is permitted to be used after completion of personal authentication in the electronic payment service, and a second charge balance that is permitted to be used regardless of completion of personal authentication in the electronic payment service. ,
The repayment processing unit adds the surplus amount to the second charge balance,
The information processing device according to claim 1. The repayment processing unit determines whether or not the use of the first charge balance is permitted for each user, and for the user who is permitted to use the first charge balance, the surplus amount is transferred to the Add to the first charge balance,
The information processing device according to claim 2. If the repayment acceptance unit determines that the user's identity authentication has not been completed when the user uses the user terminal device to repay at least a portion of the amount, the repayment acceptance unit causing the device to display proposal information suggesting execution of the personal authentication;
The information processing device according to any one of claims 1 to 3. The computer is
Accept, through a financial institution that cooperates with the electronic payment service, the designation of a deposit amount to repay at least a portion of the deferred payment amount generated by the execution of a deferred payment payment in the electronic payment service; In response to receiving the designation, at least a portion of the amount will be settled, and the surplus amount obtained by subtracting the at least a portion of the amount from the deposited amount will be added to the charge balance that can be used for payment in the electronic payment service. to add,
Information processing method. to the computer,
Accepting, through a financial institution that cooperates with the electronic payment service, the specification of a deposit amount for repaying at least a portion of the deferred payment amount generated by executing the deferred payment payment in the electronic payment service;
In response to receiving the designation of the deposited amount, at least part of the amount is settled, and the surplus amount obtained by subtracting the at least part of the amount from the deposited amount can be used for payment in the electronic payment service. be added to the charge balance,
program.

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