JP2024015833A - Information processing device and information processing method - Google Patents

Abstract

The present invention provides an information processing device and method that improves the appeal of a plurality of services. [Solution] An information processing device 1 includes a product identification unit that identifies products purchased by a user using a payment service that uses a user ID to pay for a price or a financing service that provides a loan using the user ID. 131. A storage control unit 132 that associates a product ID for identifying a purchased product purchased by a user with a user ID and stores it in the storage unit; receives a request for cashing out the purchased product and specifies the amount to be redeemed for the purchased product; The identifying unit 133 identifies the user ID associated with the product ID of the purchased product for which the redemption request has been made, and determines the user's debt associated with the identified user ID and corresponding to the financial service used by the user. It has a cash conversion processing unit 134 that subtracts at least a portion of the specified conversion amount from the amount, and a benefit granting unit 135 that provides a benefit to the user on the condition that at least a portion of the conversion amount is subtracted from the debt amount. [Selection diagram] Figure 2

Description

The present invention relates to an information processing device and an information processing method that provide benefits to users.

2. Description of the Related Art Conventionally, users have used electronic commerce services to buy and sell products. For example, Patent Document 1 states that when a user has a debt due to purchasing behavior in an e-commerce service and the user sells a product, the amount redeemed for the product is applied to the debt the user has. At the same time, privileges are given to the user (for example, see Patent Document 1).

JP2021-124860A

In the conventional technology, the revenue earned by the user from the service is simply applied to the user's debt incurred from the service. On the other hand, if the financial service that a user incurs a debt when using is different from the payment service that the user uses when purchasing a product, etc., these services must be linked. Therefore, there was a problem in that the profits earned by users could not be applied to debts.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to improve the appeal of a plurality of services.

The information processing device according to the first aspect of the present invention is configured to purchase a product purchased by the user using a payment service that uses user identification information for identifying the user, or the user identification information. a product identification unit that identifies a product purchased by the user using funds lent to the user by a financing service provided by the user; and product identification information that identifies the purchased product purchased by the user. and the user identification information and stored in the storage unit in association with the user identification information; an amount specifying unit that accepts the request for redemption of the purchased product and specifies the amount to be redeemed for the purchased product; The user identification information associated with the product identification information of the purchased product is identified, and the debt amount of the user's debt corresponding to the financial service used by the user is associated with the identified user identification information. a cash conversion processing unit that subtracts at least a portion of the converted amount specified by the amount specifying unit from and a benefit granting section that grants benefits to.

The cash conversion processing unit subtracts at least a portion of the cash conversion amount specified by the amount specifying unit from the debt amount corresponding to the payment using the credit card associated with the user identification information of the user. Good too.

The product identification unit identifies the purchased product that the user has purchased using the payment service for making payment using the credit card associated with the user identification information, and the cash conversion processing unit , subtracting at least a portion of the exchanged amount specified by the amount identification unit from the debt amount associated with the credit card used for purchasing the purchased product, which is associated with the user identification information of the user; You may.

The cash conversion processing unit calculates the amount from the debt amount that is associated with the user identification information of the user and that is generated when the user uses the loan service in order to purchase the purchased product. At least a portion of the conversion amount specified by the specifying unit may be subtracted.

The cash exchange processing unit calculates the cash exchange amount specified by the amount specifying unit from the debt amount corresponding to the credit card that is associated with the user identification information of the user and that is not used to purchase the product. At least a portion may be subtracted.

The cash conversion processing unit subtracts an amount of the converted amount that is to be applied to the debt from the debt amount, and subtracts an amount that is not applied to the debt from the converted amount and is associated with the user identification information of the user. The money may be deposited into an account at a financial institution used by the user.

When the conversion amount specified by the amount identification unit is larger than the debt amount, the conversion processing unit subtracts an amount corresponding to the debt amount from the conversion amount, and calculates the conversion amount by subtracting the conversion amount from the debt amount. The difference between the debt amount and the debt amount may be deposited into an account at a financial institution used by the user.

The benefit granting unit may grant the user the benefit based on the amount that the redemption processing unit has appropriated to the debt amount out of the redemption amount.
The debt is an interest-bearing debt, and the benefit granting unit may grant a benefit that reduces the interest rate set for the debt.

The cash conversion processing unit receives, from the user, an amount to be allocated to subtracting the debt amount from the conversion amount specified by the amount specifying unit, and the cash conversion processing unit receives from the user an amount to be allocated to subtraction of the debt amount, and uses the money by the user associated with the user identification information of the user. The amount received may be subtracted from the amount owed for financial services owed.

The conversion processing unit may transfer the amount that is not allocated to the debt amount subtraction out of the conversion amount specified by the amount specifying unit to a financial account used by the user associated with the user identification information of the user. You may deposit money into the institution's account.

The conversion processing unit calculates the conversion amount specified by the amount identification unit from the debt amount of the financial service provided by the same business as the payment service or the financing service. At least a portion of the amount may be subtracted.

The storage control unit associates the product identification information of the purchased product purchased by the user, the user identification information, and service identification information that identifies a service used by the user to purchase the purchased product. stored in a storage unit, and the benefit granting unit corresponds to the service identification information that is associated with the product identification information of the purchased product redeemed for cash and the user identification information of the user who redeemed the purchased product for cash. The user may be given a privilege to do so.

The information processing method according to the second aspect of the present invention provides a method for processing a product purchased by the user using a payment service executed by a computer that performs payment using user identification information for identifying the user; identifying a product purchased by the user using funds lent to the user by a loan service that lends funds using the user identification information; and identifying a purchased product that is the product purchased by the user. a step of associating product identification information with the user identification information and storing it in a storage unit; accepting a request for cashing out the purchased product and specifying a cashback amount for the purchased product; identifying the user identification information associated with the product identification information of the purchased product; and determining the debt of the user corresponding to the financial service used by the user, which is associated with the identified user identification information. The present invention includes the steps of subtracting at least a part of the specified conversion amount from the debt amount, and providing a benefit to the user on the condition that at least a part of the conversion amount is subtracted from the debt amount.

According to the present invention, it is possible to improve the appeal of a plurality of services.

FIG. 1 is a diagram showing an overview of an information processing device. 1 is a diagram showing a functional configuration of an information processing device. It is a figure showing an example of purchased product information. It is a figure showing an example of debt management information. 3 is a flowchart showing the flow of processing of the information processing device.

[Overview of information processing device 1]
FIG. 1 is a diagram showing an overview of an information processing device 1. As shown in FIG. The information processing device 1 is a computer that provides benefits to users. The information processing device 1 is communicably connected to a payment server 2, a loan server 3, and a user terminal 4 used by a user via a communication network such as the Internet or a wireless LAN.

The payment server 2 is a server that performs payment corresponding to a predetermined payment service that uses a user ID to make a payment. The predetermined payment service is, for example, a service in which payment is made using a credit card. The user ID is, for example, an ID given to a user by a payment service provider that performs payments related to payment services, and is a credit card number or a management number for identifying the user associated with the card number. The user ID may constitute part of the credit card number. The products purchased by the user are, for example, financial products such as stocks, bonds, and savings products, and real estate, but are not limited thereto, and may be various resellable products.

The loan server 3 is a server used to provide a user with a predetermined loan service that provides a loan for the user to purchase products using a user ID. In this embodiment, it is assumed that the user ID is shared by a predetermined payment service, a predetermined loan service, and a predetermined financial service. In FIG. 1, there may be a plurality of predetermined payment services and a plurality of predetermined loan services, and a plurality of payment servers 2 may be provided corresponding to a plurality of predetermined payment services, or a plurality of payment servers 2 may be provided corresponding to a plurality of predetermined payment services. A plurality of loan servers 3 may be provided corresponding to the loan services.

Furthermore, in this embodiment, a predetermined payment service or a predetermined loan service and a predetermined financial service that manages user debts generated by using the predetermined payment service or predetermined loan service, etc. are the same business. provided by a person, multiple businesses with which they have capital ties, or multiple businesses in a partnership relationship. For example, one business may provide a predetermined payment service, a predetermined loan service, and a predetermined financial service, or a first business may provide a predetermined payment service and the first business Even if a second business operator that has a partnership with the company provides a prescribed financing service, and a third business operator that has a partnership relationship with the first business operator and the second business operator provides the prescribed financial service. good.

The information processing device 1 receives the payment server 2 or the financing server 3, a product ID for identifying the product, and the user's user ID, and then receives the product purchased by the user using a predetermined payment service or a predetermined payment service. A purchased product, which is a product purchased by the user using funds lent to the user using the financing service of , is identified ((1) in FIG. 1).

When the information processing device 1 identifies the purchased product purchased by the user, the information processing device 1 associates the product ID as product identification information for identifying the purchased product with the user ID of the user and stores it in the storage unit ((2 in FIG. 1). )). The information processing device 1 receives a request to redeem the purchased product ((3) in FIG. 1), and specifies the redemption amount of the purchased product corresponding to the redemption request ((4) in FIG. 1).

The information processing device 1 specifies the user ID associated with the product ID of the purchased product for which the redemption request has been made, and when the redemption of the purchased product is completed, the information processing device 1 At least a part of the specified conversion amount is subtracted from the debt amount of the user's debt corresponding to the financial service ((5) in FIG. 1). The information processing device 1 provides a benefit to the user on the condition that at least a part of the specified conversion amount is subtracted from the debt amount ((6) in FIG. 1).

In this way, products purchased using payment services or financing services are converted into cash, and benefits are granted to the user in accordance with the reduction in the financial service debt associated with the user ID for these services. . As a result, the user recognizes that there are benefits to using these services, so the information processing device 1 can improve the appeal of these services.

[Functional configuration of information processing device 1]
Next, details of the configuration of the information processing device 1 will be explained. FIG. 2 is a diagram showing the functional configuration of the information processing device 1. As shown in FIG. The information processing device 1 includes a communication section 11, a storage section 12, and a control section 13.
The communication unit 11 is a communication interface for transmitting and receiving data to and from external devices such as the payment server 2, the loan server 3, and the user terminal 4 via a network such as the Internet.

The storage unit 12 is a storage medium that stores various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores programs executed by the control unit 13. The storage unit 12 stores a program that causes the control unit 13 to function as a product identification unit 131 , a storage control unit 132 , an amount identification unit 133 , a cash exchange processing unit 134 , a benefit granting unit 135 , and a debt management unit 136 .

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the program stored in the storage unit 12, the control unit 13 functions as a product identification unit 131, a storage control unit 132, an amount identification unit 133, a cash conversion processing unit 134, a benefit granting unit 135, and a debt management unit 136. Function.

The product identification unit 131 uses products purchased by a user using a payment service that uses a user ID to make payments, or funds that are lent to a user through a financing service that provides funds using the user ID. The purchased product is the product purchased by the user.

For example, the product identification unit 131 receives from the payment server 2 the product ID of a purchased product purchased by a user using a predetermined payment service that allows payment using a credit card, the user ID of the user, and the payment The purchased product is identified by receiving purchase information including the amount.

For example, the payment server 2 receives the product ID of the product the user purchases using a predetermined payment service, the purchase quantity of the product, and the predetermined payment information from a store terminal (not shown) of a store where the user purchases the product. A payment request including a user ID of the user used in the service, a store ID for identifying the store, and a payment amount for purchasing the product is received.

Upon receiving the payment request, the payment server 2 performs payment corresponding to a predetermined payment service based on the user ID, store ID, and payment amount included in the payment request. For example, the product specifying unit 131 executes a process of depositing the payment amount included in the payment request into the account of the store specified by the store ID included in the payment request. In addition, the payment server 2 stores the user ID, product ID, purchase quantity of the product, and payment information included in the payment request in order to have the information processing device 1 manage the user's debt generated in response to the payment request. Purchase information including the amount and the date and time when the payment request was received is transmitted to the information processing device 1. The product identifying unit 131 receives purchase information from the payment server 2 and identifies the user ID of the user who used a predetermined payment service and the purchased product purchased by the user.

In addition, the product identification unit 131 obtains the user ID of the user who has lent the funds and the information purchased by the user from the loan server 3 that is used to provide a predetermined loan service that lends funds to the user using the user ID. By receiving loan information including a product ID for identifying the product and a loaned amount, the purchased product purchased by the user using a predetermined loan service is identified.

For example, the loan server 3 receives request information from the user terminal 4 that includes a user ID and indicates a request for financing the purchase of a product. When the loan server 3 receives the request information, it refers to the user's credit information associated with the user ID and determines whether it is possible to loan funds to the user. When the loan server 3 determines that it is possible to loan funds to the user, it loans funds to the user. In response to the loan of funds to the user, the loan server 3 provides the information processing device 1 with the user ID of the user who loaned the funds, the product ID for identifying the product purchased by the user, and the purchase of the product. Send loan information including quantity and loan amount (debt amount). The product identifying unit 131 identifies the user ID of the user who used a predetermined loan service and the purchased product purchased by the user by acquiring the loan information.

Although the product identifying unit 131 identifies the purchased product that the user purchased using the loaned funds by receiving loan information from the loan server 3, the present invention is not limited thereto. For example, the product identification unit 131 receives loan information that does not include a product ID, and also receives information from the user terminal 4 indicating that the user has purchased a product using funds loaned to the user through a predetermined loan service. may be received. For example, the product identification unit 131 receives, from the user terminal 4, first certification information that includes the user ID and indicates that funds have been loaned to the user through a predetermined loan service, and first certification information that indicates that the product has been purchased with the funds. By receiving the second certification information, a purchased product purchased by the user using a predetermined financing service may be identified.

The storage control unit 132 causes the storage unit 12 to associate a product ID that identifies a purchased product, which is a product purchased by a user, with the user ID of the user and store the product ID in the storage unit 12 . Specifically, when the product specifying unit 131 identifies a purchased product that a user has purchased based on the purchase information received from the payment server 2 or the loan information received from the loan server 3, the storage control unit 132 stores information about the user of the user. The ID, the product ID of the purchased product, and the purchased quantity of the product are associated and stored in the storage unit 12 as purchased product information. In the purchased product information, if the product ID included in the purchase information received from the payment server 2 or the loan information received from the loan server 3 is associated with the user ID, the storage control unit 132 stores the purchase information or Based on the purchased quantity of the product included in the loan information, the purchased quantity of the product stored in the purchased product information is updated.

FIG. 3 is a diagram showing an example of purchased product information. As shown in FIG. 3, the purchased product information is information that associates at least a user ID, a product ID, and a purchase quantity. The purchased product information is used by the price specifying unit 133 to specify the purchased product owned by the user. Note that in the purchased product information, the user ID and product ID may be associated with a service ID corresponding to the service used to purchase the product.

In addition, the storage control unit 132 aggregates the payment amount included in the purchase information received from the payment server 2 at predetermined intervals, and the user pays the total payment amount in accordance with the use of a predetermined payment service. The debt amount is stored in the storage unit 12 as debt management information in association with the user ID. For example, the storage control unit 132 associates a user ID, a service ID that corresponds to a predetermined payment service and identifies the service, a debt amount, and a payment date of the debt amount, and stores them as debt management information. .

The storage control unit 132 also manages the loan by associating the loan amount included in the loan information received from the loan server 3 with the user ID as the amount of the debt to be paid by the user in response to using a predetermined loan service. The information is stored in the storage unit 12 as information. For example, the storage control unit 132 stores a user ID, a service ID corresponding to a predetermined loan service, a debt amount, and a payment date of the debt amount in association with each other as debt management information.

FIG. 4 is a diagram showing an example of debt management information. As shown in FIG. 4, the debt management information is information that associates at least a user ID, a service ID, a debt amount, and a debt payment date. Debt management information is used to manage the user's debts. For example, the debt management information is used when the cash conversion processing unit 134 subtracts the debt.

The amount specifying unit 133 receives a request for cashing out a purchased product purchased by a user, and specifies the cashing amount of the purchased product. For example, first, the amount specifying unit 133 receives a selection of a purchased product to be redeemed from among the purchased products purchased by the user. Upon receiving a purchase item selection request including a user ID from the user terminal 4, the amount specifying unit 133 refers to the purchase item information stored in the storage unit 12 and selects the purchase item according to the user ID included in the selection request. Identify one or more associated product IDs.

The storage unit 12 stores a product ID and a product name of the product indicated by the product ID in association with each other. The amount specifying unit 133 causes the user terminal 4 to display a selection reception screen that includes the product name associated with the specified product ID and accepts the selection of the purchased product to be redeemed for cash. When the user terminal 4 receives the selection of the purchased product to be redeemed for cash and the quantity of the purchased product to be redeemed from the user via the selection reception screen, the user terminal 4 receives the user ID, the product ID of the selected purchased product, and the purchase item. A request for cashing out the purchased product, including the quantity of the product, is sent to the information processing device 1. The amount specifying unit 133 specifies the amount to be redeemed for the purchased product based on the product ID included in the received redemption request and the quantity of the purchased product.

For example, the amount specifying unit 133 transmits the product ID of the selected purchased product to a product management server (not shown) that manages the price of products such as financial products, and inquires about the price of the purchased product. The amount specifying unit 133 receives price information indicating the price of the purchased product from the management device, multiplies the price of the purchased product indicated by the received price information by the quantity of the purchased product received from the user terminal 4, and determines the purchased product. The amount to be exchanged for the purchased product is determined by calculating the amount to be exchanged for. Here, the exchange amount may be the amount after deducting the fee that is generated by exchanging money using the information processing device 1.

Note that, although the amount specifying unit 133 specifies the exchange amount of the purchased product by receiving price information indicating the price of the purchased product from the management device, the present invention is not limited thereto. The amount specifying unit 133 may specify the amount to be redeemed for the purchased product by accepting the selection of the purchased product to be redeemed for cash from the user via the selection reception screen and accepting the price of the selected purchased product. .

In addition, in response to receiving a user's selection of a purchased product to be redeemed for cash, the amount specifying unit 133 inquires of the price of the purchased product from a management device that manages the price of the product, and specifies the amount to be redeemed for the purchased product. However, it is not limited to this. The amount specifying unit 133 obtains in advance the price of each of one or more product IDs associated with the user in the purchased product information from the management device, and then displays the product name and price of each of the one or more purchased products on the selection reception screen. may be displayed in association with. The amount specifying unit 133 may specify the amount to be exchanged for the purchased product based on the price obtained in advance from the management device for the product ID included in the exchange request received from the user terminal 4.

The cash exchange processing unit 134 identifies the user ID of the user who made the cash exchange request, which is associated with the product ID of the purchased product for which the cash exchange request was made, and the cash exchange processing unit 134 identifies the user ID of the user who made the cash exchange request, which is associated with the product ID of the purchased product for which the cash exchange request was made, and the cash exchange processing unit 134, which is associated with the identified user ID, and which At least a part of the conversion amount specified by the amount specifying unit 133 is subtracted from the debt amount of the user's debt corresponding to the financial service.

First, the redemption processing unit 134 refers to the purchased product information stored in the storage unit 12 and determines the user ID of the user who made the redemption request, which is associated with the product ID of the purchased product for which the redemption request was made. Identify. In addition, the cash exchange processing unit 134 presents to other users that the purchased product to be redeemed for cash will be sold at the specified redemption price, accepts the purchase of the purchased product from the other user, and Receive payment for the exchange amount of purchased products from .

The cash exchange processing unit 134 specifies that the sale of the purchased product has been completed after accepting payment of the redeemed amount for the purchased product from another user. For example, when the product is real estate or a financial product, when receiving a payment corresponding to the purchased product to be redeemed from another user, the cash conversion processing unit 134 sends a cash conversion request in the purchased product information stored in the storage unit 12. The quantity of the purchased item to be exchanged for cash is subtracted from the purchased quantity of the purchased item associated with the user ID of the user who performed the transaction. Further, the cash exchange processing unit 134 stores the product ID of the purchased product to be redeemed for cash, the quantity of the purchased product to be redeemed for cash, and the user ID of another user in association with each other. This completes the sale of the purchased product to be exchanged for cash.

Furthermore, if the product is a variety of resalable products different from financial products, the cash conversion processing unit 134 acquires shipping destination information including addresses, names, etc. of other users, and provides the user with the shipping destination information. The address, name, etc. indicated by is the destination, and the purchased product to be redeemed for cash is requested to be shipped to another user. In this case, the shipping destination information may be stored in advance in the storage unit 12 in association with the user ID.

When the user ships the purchased product to be redeemed for cash to another user based on the shipping destination information, and the purchased product arrives at the other user, the cash conversion processing unit 134 receives the purchased product from the other user. Accept that you have arrived. When the redemption processing unit 134 receives from another user that the purchased product has arrived, the redemption processing unit 134 selects the purchased product associated with the user ID of the user who made the redemption request in the purchased product information stored in the storage unit 12. Subtract the quantity of the purchased product to be redeemed from the purchased quantity. Further, the cash exchange processing unit 134 stores the product ID of the purchased product to be redeemed for cash, the quantity of the purchased product to be redeemed for cash, and the user ID of another user in association with each other. This completes the sale of the purchased product to be exchanged for cash.

When the sale of the purchased product is completed, the cash conversion processing unit 134 receives from the user the selection of the debt whose debt amount is to be reduced. For example, in the debt management information stored in the storage unit 12, the redemption processing unit 134 stores the service ID of one or more debts associated with the user ID of the user who made the identified redemption request, and the debt amount. Identify. When a single service ID is associated with multiple payment dates and debt amounts, the cash exchange processing unit 134 adds up the multiple debt amounts associated with the single service ID to calculate the amount of debt for the service ID. Identify the corresponding debt amount.

The cash conversion processing unit 134 displays the specified service ID and the debt amount on the user terminal 4, and accepts selection of a debt whose debt amount is to be reduced. The cash exchange processing unit 134 identifies the debt amount corresponding to the selected debt as the debt amount of the user's debt corresponding to the financial service used by the user. By doing so, the information processing device 1 can reduce the debt amount that the user desires to reduce.

Although the cash exchange processing unit 134 receives from the user a selection of a debt whose debt amount is to be reduced, the present invention is not limited thereto. The debt amount corresponding to the credit card used to purchase the purchased product, which is associated with the user ID of the user who made the specified redemption request, is assigned to the user who allocates the redemption amount in accordance with the financial service used by the user. It may be specified as the amount owed of the debt. Further, the cash exchange processing unit 134 assigns the debt amount corresponding to the credit card associated with the user ID of the user, which is not used for purchasing the product, to the user who allocates the debt amount corresponding to the financial service used by the user. may be specified as the amount owed.

In addition, the cash conversion processing unit 134 converts the amount of debt associated with the user ID of the user, which is generated by the user from using a predetermined financing service in order to purchase the purchased product, to the financial service used by the user. It may also be specified as the debt amount of the user's debt to which the redemption amount is assigned.

After specifying the debt amount, the conversion processing unit 134 subtracts at least a part of the conversion amount specified by the amount specifying unit 133 from the specified debt amount in the debt management information stored in the storage unit 12. The conversion processing unit 134 subtracts the amount to be applied to the debt out of the conversion amount from the debt amount, and transfers the amount not applied to the debt out of the conversion amount to the account of the financial institution used by the user associated with the user ID of the user. Deposit to.

Here, when the exchanged amount specified by the amount specifying unit 133 is larger than the debt amount, the exchange processing unit 134 subtracts an amount corresponding to the debt amount from the debt amount. Then, the exchange processing unit 134 deposits the difference between the exchange amount and the debt amount into the account of the financial institution used by the user associated with the user ID of the user.

Note that the cash exchange processing unit 134 may receive from the user an amount to be allocated to subtracting the debt amount from among the exchange amounts specified by the amount specifying unit 133. For example, when the conversion processing unit 134 specifies that the sale of the purchased product has been completed and also specifies the debt amount to which the conversion amount is to be applied, the conversion processing unit 134 displays a reception screen for accepting an amount to be allocated to subtract the debt amount from the conversion amount. The terminal 4 displays the amount and receives the amount to be allocated to subtract the debt amount.

The cash conversion processing unit 134 subtracts the received amount from the specified debt amount. Further, the cash conversion processing unit 134 transfers the amount that is not allocated to the debt amount subtraction out of the converted amount specified by the amount specifying unit 133 to the account of the financial institution used by the user associated with the user ID of the user. Make a deposit. By doing so, the information processing device 1 can apply the amount desired by the user to the debt amount.

In response to the reduction of the debt amount, the cash exchange processing unit 134 may notify the user terminal 4 of notification information indicating that the debt amount has been reduced. In this case, the exchange processing unit 134 may notify the user terminal 4 of notification information that further includes at least one of the exchange amount and the reduced debt amount. Furthermore, when a part of the redeemed amount is deposited into the account of the financial institution used by the user, the exchange processing unit 134 sends notification information to the user terminal 4 that further includes at least one of the deposited amount and the balance of the account after the deposit. You may notify. By doing so, the user can confirm the amount of debt after reduction and the amount deposited into his/her account.

The benefit granting unit 135 grants a benefit to the user on the condition that the redemption processing unit 134 has subtracted at least a portion of the redemption amount from the debt amount. The benefits are, for example, points, coupons, or monetary cash back. The benefit granting unit 135 grants the user a benefit based on the amount appropriated to the debt amount by the cash conversion processing unit 134 out of the redeemed amount specified by the amount specifying unit 133. For example, the benefit granting unit 135 grants the user a benefit having a monetary value that is a predetermined percentage of the amount that the cash conversion processing unit 134 appropriates to the debt amount.

Note that the benefits are points, coupons, or monetary cash back, but are not limited to these. If the user's debt is an interest-bearing debt, the benefit granting unit 135 may grant the user a benefit that reduces the interest rate of the debt. In this case, it is assumed that in the debt management information stored in the storage unit 12, interest rate information indicating an interest rate is associated with an interest-bearing debt. For example, if the debt incurred by the user through the use of a predetermined loan service is an interest-bearing debt, the benefit granting unit 135 may notify the user that at least a portion of the conversion amount has been subtracted from the debt amount of the debt. As a condition, by reducing the interest rate of the debt in the debt management information, the user is given the privilege of reducing the interest rate.

Further, the benefit granting unit 135 may grant the user a benefit corresponding to the service that the user used when purchasing the purchased product that was redeemed for cash. For example, the storage unit 12 stores benefit management information in which a service ID, a benefit ID for identifying a benefit, and benefit information indicating the content of the benefit are associated with each other. Here, the benefit information may be determined by a business operator that provides a service corresponding to the service ID. The benefit granting unit 135 specifies the service ID associated with the product ID of the purchased product for which the redemption request was made and the redeemed product and the user ID of the user who redeemed the purchased product. Then, the benefit granting unit 135 grants the user a benefit indicated by the benefit information corresponding to the benefit ID associated with the service ID specified in the benefit management information. By doing so, it is possible to provide the user with different benefits for each service used to purchase the purchased product.

The debt management unit 136 manages debts associated with user IDs in debt management information. For example, the storage unit 12 stores the user ID of the user, financial institution information indicating the financial institution from which the billed amount corresponding to a portion of the debt amount will be debited, and the user's account number at the financial institution in association with each other. . When the payment date of the debt associated with the user ID arrives in the debt management information, the debt management unit 136 determines the debt amount of the debt as the amount to be billed to the user.

The debt management unit 136 requests an account transfer to deposit the determined billing amount from the user's account to the account of the operator of the information processing device 1 based on the financial institution information and account number associated with the user ID. A transfer request request is sent to the financial institution indicated by the financial institution information. The debt management unit 136 reduces the debt amount in response to the billed amount being deposited into the operator's account.

[Operation flow]
Next, the flow of processing of the information processing device 1 will be explained. FIG. 5 is a flowchart showing the flow of processing of the information processing device 1.
First, the product identification unit 131 identifies a product purchased by the user using a predetermined payment service or a purchased product purchased by the user using funds lent to the user by a predetermined loan service (S1). .

Subsequently, the storage control unit 132 associates the product ID of the specified purchased product with the user ID of the user and stores it in the storage unit 12 as purchased product information (S2).
Subsequently, the amount specifying unit 133 receives a request to exchange the purchased product for cash from the user (S3), and specifies the exchange amount for the purchased product (S4).
Subsequently, the cash exchange processing unit 134 identifies the debt amount of the user's debt associated with the user's user ID (S5).

Subsequently, the cash exchange processing unit 134 determines whether an amount to be applied to the user's debt has been received from the user (S6). When the cash conversion processing unit 134 determines that the amount to be applied to the debt has been received (YES in S6), it subtracts the received amount from the debt amount (S7). If the conversion processing unit 134 determines that the amount to be applied to the debt has not been received (NO in S6), it subtracts the specified conversion amount from the debt amount (S8). Note that, when the specified exchanged amount is greater than the debt amount, the exchange processing unit 134 subtracts an amount corresponding to the debt amount from the specified exchange amount from the debt amount.

Subsequently, the conversion processing unit 134 determines whether or not there is an amount of the specified conversion amount that cannot be applied to the debt (S9). If the exchange processing unit 134 determines that there is an amount that cannot be applied to the debt (S9: YES), the exchange processing unit 134 deposits the amount into the user's account (S10). When the cash conversion processing unit 134 determines that there is no amount that cannot be applied to the debt (NO in S9), the process proceeds to S11.

Subsequently, the benefit granting unit 135 grants the user a benefit on the condition that the redemption processing unit 134 subtracts at least a portion of the redemption amount from the debt amount (S11).

[Modified example]
In the embodiment described above, the information processing device 1 identifies the purchased product by receiving the user ID of the user and the product ID of the purchased product purchased by the user from the payment server 2 or the financing server 3. , but not limited to this. For example, the information processing device 1 may have the function related to payment that the payment server 2 has, or the function for lending funds to a user that the loan server 3 has.

Further, although the information processing device 1 stores debt management information that associates the user ID of the user with the debt amount of the user and manages the debt of the user, the present invention is not limited thereto. An external device different from the information processing device 1 may manage the user's debt, and the cash conversion processing unit 134 cooperates with the external device and calculates the cash amount generated by converting purchased products into cash from the external device. The user's debt amount managed by the user may be subtracted.

[Effects of information processing device 1]
As described above, the information processing device 1 according to the present embodiment can process products purchased by a user using a payment service that uses a user ID to pay for a product, or loans that are financed using the user ID. The product ID that the user purchased using the funds loaned to the user by the service is identified, and the product ID for identifying the purchased product that is the product purchased by the user is associated with the user ID and stored in the storage unit 12. let The information processing device 1 accepts a request for redemption of a purchased product, specifies the redemption amount of the purchased product, specifies a user ID associated with the product ID of the purchased product for which the redemption request has been made, and sends a request to the specified user ID. A benefit is granted to the user on the condition that at least a part of the specified redemption amount is subtracted from the debt amount of the user's debt corresponding to the associated financial service used by the user. By doing so, the information processing device 1 can improve the appeal of a plurality of services.

Furthermore, the present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Create a foundation for industry and technological innovation."

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes can be made within the scope of the gist. be. For example, all or part of the device can be functionally or physically distributed and integrated into arbitrary units. In addition, new embodiments created by arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effects of the new embodiment resulting from the combination have the effects of the original embodiment.

1 Information processing device 2 Settlement server 3 Loan server 11 Communication section 12 Storage section 13 Control section 131 Product identification section 132 Storage control section 133 Amount identification section 134 Cash conversion processing section 135 Benefit granting section 136 Debt management section

Claims (14)

Products purchased by the user using a payment service that uses user identification information to identify the user, or funds lent to the user through a financing service that uses the user identification information. a product identification unit that identifies the product purchased by the user using the
a storage control unit that stores product identification information for identifying a purchased product that is a product purchased by the user in association with the user identification information in a storage unit;
an amount specifying unit that accepts a request for exchange of the purchased product and specifies the exchange amount of the purchased product;
Identifying the user identification information associated with the product identification information of the purchased product for which the redemption request has been made, and corresponding to the financial service used by the user that is associated with the identified user identification information. a cash conversion processing unit that subtracts at least a portion of the conversion amount specified by the amount specifying unit from the debt amount of the user's debt;
a benefit granting unit that grants a benefit to the user on the condition that the redemption processing unit subtracts at least a portion of the redemption amount from the debt amount;
An information processing device having: The cash conversion processing unit subtracts at least a portion of the cash conversion amount specified by the amount specifying unit from the debt amount corresponding to the payment using the credit card associated with the user identification information of the user.
The information processing device according to claim 1. The product identification unit identifies the purchased product purchased by the user using the payment service that allows payment using the credit card associated with the user identification information;
The exchange processing unit calculates the exchange amount specified by the amount specifying unit from the debt amount associated with the credit card used to purchase the purchased product, which is associated with the user identification information of the user. subtract at least a portion,
The information processing device according to claim 2. The cash conversion processing unit calculates the amount from the debt amount that is associated with the user identification information of the user and that is generated when the user uses the loan service in order to purchase the purchased product. subtracting at least a portion of the conversion amount specified by the specific department;
The information processing device according to claim 2. The cash exchange processing unit calculates the cash exchange amount specified by the amount specifying unit from the debt amount corresponding to the credit card that is associated with the user identification information of the user and that is not used to purchase the product. subtract at least a portion,
The information processing device according to claim 2. The conversion processing unit subtracts an amount of the conversion amount that is to be applied to the debt from the debt amount, and subtracts an amount of the conversion amount that is not applied to the debt that is associated with the user identification information of the user. depositing money into the financial institution account used by the user;
The information processing device according to claim 1. When the conversion amount specified by the amount identification unit is larger than the debt amount, the conversion processing unit subtracts an amount corresponding to the debt amount from the conversion amount, and calculates the conversion amount by subtracting the conversion amount from the debt amount. depositing the difference between the amount owed and the amount owed into an account at a financial institution used by the user;
The information processing device according to claim 6. The benefit granting unit grants the user the benefit based on the amount that the redemption processing unit has appropriated to the debt amount out of the redemption amount.
The information processing device according to claim 1. The debt is an interest-bearing debt;
The benefit granting unit grants a benefit that reduces the interest rate set for the debt.
The information processing device according to claim 1. The cash conversion processing unit receives, from the user, an amount to be allocated to subtracting the debt amount from the conversion amount specified by the amount specifying unit, and the cash conversion processing unit receives from the user an amount to be allocated to subtraction of the debt amount, and uses the money by the user associated with the user identification information of the user. subtracting the amount received from the amount owed for financial services owed;
The information processing device according to claim 1. The conversion processing unit may transfer the amount that is not allocated to the debt amount subtraction out of the conversion amount specified by the amount specifying unit to a financial account used by the user associated with the user identification information of the user. deposit money into the institution's account;
The information processing device according to claim 8. The conversion processing unit calculates the conversion amount specified by the amount identification unit from the debt amount of the financial service provided by the same business as the payment service or the financing service. subtract at least a portion of an amount;
The information processing device according to claim 1. The storage control unit associates the product identification information of the purchased product purchased by the user, the user identification information, and service identification information that identifies a service used by the user to purchase the purchased product. Store it in the memory unit,
The benefit granting unit provides the user with a benefit corresponding to the service identification information that is associated with the product identification information of the purchased product redeemed for cash and the user identification information of the user who redeemed the purchased product for cash. Give,
The information processing device according to claim 1. computer executes
A product purchased by the user using a payment service that uses user identification information to identify the user, or a loan provided to the user by a financing service that provides funds using the user identification information. identifying a product purchased by the user using the collected funds;
storing product identification information for identifying a purchased product, which is a product purchased by the user, in a storage unit in association with the user identification information;
accepting a request for redemption of the purchased product and specifying the redemption amount of the purchased product;
Identifying the user identification information associated with the product identification information of the purchased product for which the redemption request has been made, and corresponding to the financial service used by the user that is associated with the identified user identification information. subtracting at least a portion of the identified redemption amount from the debt amount of the user's debt;
granting a benefit to the user on the condition that at least a portion of the redemption amount is subtracted from the debt amount;
An information processing method having

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