JP2024018927A - Information processing system, program and information processing method - Google Patents

Abstract

To provide a technique capable of providing a further convenient service by combining a plurality of payment methods.SOLUTION: An information processing system is provided. The information processing system includes a control part. The control part acquires a first virtual balance, the virtually-set balance, on the basis of a wallet balance, the amount of money deposited in advance by charge and a deferred payment use amount, the amount of money to be paid by the deferred payment. Information relating to the first virtual balance is displayed.SELECTED DRAWING: Figure 1

Description

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

BACKGROUND ART In the prior art, an electronic payment system is known that includes a mobile phone that can hold multiple types of electronic money and an electronic payment terminal that can perform payments using electronic money (Patent Document 1).

JP2009-181224A

However, in recent years, there is still room for improvement in providing more convenient services by combining multiple payment methods.

In view of the above circumstances, the present invention provides a technology that can combine multiple payment methods to provide more convenient services.

According to one aspect of the present invention, an information processing system is provided. This information processing system includes a control section. The control unit obtains a first virtual balance, which is a virtually set balance, based on the wallet balance, which is the amount deposited in advance by charging, and the deferred payment usage amount, which is the amount paid by deferred payment. . Information regarding the first virtual balance is displayed.

According to the present disclosure, it is possible to provide a technology that can combine multiple payment methods to provide more convenient services.

1 is a diagram showing an example of a system configuration of an information processing system 1. FIG. 2 is a diagram showing an example of a hardware configuration of a server device 2. FIG. 3 is a diagram illustrating an example of a hardware configuration of a client device 3. FIG. 2 is a diagram illustrating an example of an activity showing the flow of information processing executed by the information processing system 1. FIG. 4 is a diagram showing an example of a function providing screen 4. FIG. It is a figure which shows an example of the deferred payment usage application screen 5. It is a diagram showing an example of a deterministic finite automaton that constitutes a virtual balance. FIG. 8 is a diagram showing an example of state transition using a deterministic finite automaton forming the virtual balance shown in FIG. 7; 6 is a diagram showing an example of a function providing screen 6. FIG. It is a figure which shows an example of the available amount display area 70 of a modification.

[Embodiment]
Embodiments of the present invention will be described below with reference to the drawings. Various features shown in the embodiments described below can be combined with each other.

By the way, the program for implementing the software appearing in this embodiment may be provided as a non-transitory computer-readable recording medium, or may be downloaded from an external server. The program may be provided in a manner that allows the program to be started on an external computer and the function thereof is realized on the client device (so-called cloud computing).

Furthermore, in this embodiment, the term "unit" may include, for example, a combination of hardware resources implemented by circuits in a broad sense and software information processing that can be concretely implemented by these hardware resources. . In addition, various types of information are handled in this embodiment, and these information include, for example, the physical value of a signal value representing voltage and current, and the signal value as a binary bit collection consisting of 0 or 1. It is expressed by high and low levels or quantum superposition (so-called quantum bits), and communication and calculations can be performed on circuits in a broad sense.

Further, a circuit in a broad sense is a circuit realized by at least appropriately combining a circuit, a circuit, a processor, a memory, and the like. That is, Application Specific Integrated Circuit (ASIC), programmable logic device (for example, Simple Programmable Logic Device (SPLD)), Complex Programmable Logic Device (Complex Pr) ogrammable Logic Device: CPLD), and field This includes a field programmable gate array (FPGA) and the like.

1. System Configuration of Information Processing System 1 First, the system configuration of the information processing system 1 of this embodiment will be described with reference to FIG.

FIG. 1 is a diagram showing an example of a system configuration of an information processing system 1. As shown in FIG. As shown in FIG. 1, the information processing system 1 includes a server device 2, a client device 3, and a network N. The server device 2 is configured to be able to communicate with the client device 3 via the network N. Thereby, the server device 2 and the client device 3 can mutually transmit or receive various information. Note that the server device 2 and the client device 3 are examples of information processing devices, and are not limited to this embodiment. The client device 3 may be a PC (Personal Computer), a tablet computer, a smartphone, or the like. Note that there may be a plurality of server devices 2 and client devices 3. Here, the system exemplified by the information processing system 1 is composed of one or more devices or components. Therefore, even the server device 2 alone or the client device 3 alone is included in the system exemplified by the information processing system 1.

2. Hardware Configuration Next, the hardware configuration of the server device 2 and client device 3 of this embodiment will be described with reference to FIG.

2.1. Hardware Configuration of Server Device 2 FIG. 2 is a diagram showing an example of the hardware configuration of the server device 2. As shown in FIG. As shown in FIG. 2, the server device 2 includes a control section 21, a storage section 22, and a communication section 23, and these components are electrically connected via a communication bus inside the server device 2. has been done. The server device 2 executes processing according to the embodiment.

The control unit 21 processes and controls the overall operation related to the server device 2 . The control unit 21 is, for example, a central processing unit (CPU). The control unit 21 reads a predetermined program stored in the storage unit 22 and executes processing based on the program, thereby controlling various functions related to the server device 2, such as the processing shown in FIGS. 4 to 10 described later. is realized. Note that the control section 21 is not limited to a single control section, and may be implemented so as to have a plurality of control sections 21 for each function. Alternatively, a combination thereof may be used.

The storage unit 22 stores various information defined by the above description. This is, for example, a storage device such as a solid state drive (SSD) that stores various programs related to the server device 2 executed by the control unit 21, and is used as a temporary storage device related to program calculations. It can be implemented as a memory such as a random access memory (RAM) that stores information (arguments, arrays, etc.). The storage unit 22 stores various programs and variables related to the server device 2 executed by the control unit 21, and data used when the control unit 21 executes processing based on the programs. The storage unit 22 also stores a database that stores employee information. The storage unit 22 is an example of a storage medium.

The communication unit 23 is preferably a wired communication means such as USB, IEEE1394, Thunderbolt (registered trademark), wired LAN network communication, etc. Trademark) communications, etc. may be included as necessary. That is, it is more preferable to implement it as a set of these plurality of communication means. That is, the server device 2 may communicate various information from the outside via the communication unit 23.

2.2. Hardware Configuration of Client Device 3 FIG. 3 is a diagram showing an example of the hardware configuration of the client device 3. As shown in FIG. As shown in FIG. 3, the client device 3 includes a control section 31, a storage section 32, a communication section 33, an input section 34, and an output section 35, and these components are connected to the client device 3. are electrically connected via a communication bus within the . The client device 3 executes processing according to the embodiment. Regarding the control unit 31, storage unit 32, and communication unit 33 of the client device 3, refer to the control unit 21, storage unit 22, and communication unit 23 of the server device 2.

The input unit 34 may be included in the housing of the client device 3 or may be attached externally. For example, the input section 34 may be integrated with the output section 35 and implemented as a touch panel. With a touch panel, the user can input tap operations, swipe operations, and the like. Of course, a switch button, a mouse, a QWERTY keyboard, etc. may be used instead of the touch panel. That is, the input unit 34 receives input based on an operation performed by the user. The input is transferred as a command signal to the control unit 31 via the communication bus, and the control unit 31 can execute predetermined control or calculation as necessary.

The output unit 35 can function as a display unit of the client device 3. The output unit 35 may be included in the housing of the client device 3, or may be externally attached, for example. The output unit 35 displays a graphical user interface (GUI) screen that can be operated by the user. This is preferably implemented by using display devices such as a CRT display, a liquid crystal display, an organic EL display, and a plasma display depending on the type of client device 3, for example.

3. Flow of Operation of Information Processing System 1 An example of preferable information processing executed by the information processing system 1 of this embodiment will be described. In this embodiment,
By operating the client device 3, the user makes a payment using wallet payment and deferred payment. According to one aspect, the user is a pay later customer.

“Wallet payment” is a payment method in which payment is made from the amount charged in advance. Wallet payments are sometimes referred to as upfront or instant payments. Moreover, wallet payment may include the concept of prepaid. Furthermore, "wallet balance" refers to the amount charged in advance in a usable manner by wallet payment.

“Deferred payment” is a payment method in which payment is made after a predetermined period of time has passed. The deferred payment may include payment methods such as a monthly deferred payment, installment payment, and revolving payment. The “post-payment usage limit” is the upper limit of the deferred-payment usage amount that can be used by a certain user. The deferred payment usage amount is set to a different amount depending on the user, for example, depending on the user's ability to pay, desired amount, etc. “Deferred payment usage amount” refers to the amount used for deferred payment.

The deferred payment usage amount includes an undetermined deferred payment usage amount, a deferred payment usage amount that has been determined before being debited, and a deferred payment usage amount that has been determined after the withdrawal. "Undetermined deferred payment usage amount" refers to the deferred payment usage amount that has not yet been determined to be paid. In other words, the undetermined deferred payment usage amount fluctuates depending on charges to the wallet balance, further deferred payment usage, etc. The "determined deferred payment usage amount before withdrawal" is the deferred payment usage amount that has been confirmed to be paid and has not yet been debited from the user's withdrawal account. The "determined deferred payment usage amount after withdrawal" is the deferred payment usage amount that has been debited from the user's debit account.

Furthermore, in this embodiment, if there is no or insufficient wallet balance, processing is performed to pay later. Additionally, if the wallet balance is charged while there is a deferred payment amount, processing will be performed to cancel the deferred payment amount. In these cases, it is necessary to distinguish between the undetermined deferred payment usage amount and the final deferred payment usage amount before debiting. Specifically, if there is a deferred payment amount and the month changes, the payment amount due to using deferred payment will be determined, and then the deferred payment amount determined on the 20th will be deducted from the withdrawal account. It will be done. Until this debit is made, an undetermined deferred payment usage amount and a deferred payment usage amount that has been determined before the withdrawal occur, and it is necessary to identify these. In this embodiment, while the wallet balance and the deferred payment usage amount are mutually related, in order to distinguish between the undetermined deferred payment usage amount and the determined deferred payment usage amount before withdrawal, the first virtual balance b1 and A second virtual balance b2 is defined.

The "first virtual balance b1" is a virtual balance defined by the wallet balance and the deferred payment usage amount. For example, the first virtual balance b1 is the amount obtained by subtracting the undetermined deferred payment amount and the determined deferred payment amount before withdrawal from the wallet balance. In calculating the first virtual balance b1, the deferred payment usage amount is simply used without distinguishing between the deferred payment usage amount that has been determined before the withdrawal or the undetermined deferred payment usage amount.

The "second virtual balance b2" is a virtual balance that, in combination with the first virtual balance b1, defines the fixed deferred payment usage amount before withdrawal. For example, the second virtual balance b2 is the sum of the confirmed deferred payment usage amount before withdrawal to the first virtual balance b1. In other words, since the second virtual balance b2 is compared with the first virtual balance b1 by adding the fixed deferred payment usage amount before the withdrawal, it is possible to define the fixed deferred payment usage amount before the withdrawal. .

In this specification, it is assumed that various information transmitted and received via the network N, the communication section 23, and the communication section 33 are stored in the storage section 22 and the storage section 32.

In this specification, information processing related to the network N, communication unit 23, communication unit 33, and input unit 34 may be omitted from description. For example, the fact that the control unit 31 receives a predetermined input through a user's operation on the input unit 34 may be simply described as the control unit 31 receiving a predetermined input from the user. In addition, the control unit 21 may simply transmit information to the client device 3 via the communication unit 23, the network N, and the communication unit 33, or It may be omitted to simply state that the control unit 21 receives information from the client device 3. The same applies to the case where the control unit 31 transmits and receives information to and from the server device 2 via the communication unit 33, the network N, and the communication unit 23.

In this specification, information processing for displaying information on the output unit 35 will be referred to as simply displaying information from the control unit 31 on the output unit 35, and indirectly, information processing for displaying information from the control unit 21 on the output unit 35. It may be omitted and explained as something that is displayed in . In this case, for example, information processing as described below is executed. For example, the control unit 31 receives an instruction from the user to change the state of the screen. The control unit 31 generates display information based on the instruction. The control unit 31 controls the display on the output unit 35 based on the generated display information. Further, as another example, the control unit 31 receives an instruction from the user to display information on the screen. The control unit 31 transmits the instruction to the server device 2. The control unit 21 receives the instruction from the client device 3. The control unit 21 generates display information based on the instruction. The control unit 21 transmits the generated display information to the client device 3. The control unit 31 receives the generated display information from the server device 2. The control unit 31 controls the display on the output unit 35 based on the generated display information. Here, the display information is a concept that includes not only information itself generated in a form that is visible to the user, such as a screen, image, icon, text, etc., but also rendering information for display.

3.1 Overview of Information Processing In this section, an information processing method using the information processing system 1 described above will be explained. FIG. 4 is a diagram illustrating an example of an activity showing the flow of information processing executed by the information processing system 1. In Figure 4, when a user uses a payment service, he or she logs in (activity A1), applies for deferred payment (activities A2 to A9), is granted deferred payment authority (activity A10), and makes payment or The flow of information processing up to the execution of charging (activities A11 to A18) will be explained.

First, the information processing system 1 executes a login process (activity A1). For example, the control unit 31 receives input of login information (ID and password) and a login instruction from the user, and transmits the received login information to the server device 2 . Thereafter, the control unit 21 receives login information from the client device 3. The control unit 21 determines whether the received login information matches the user's login information stored in the storage unit 22. If the login information matches, the control unit 21 causes the output unit 35 to display a function providing screen 4 (described later with reference to FIG. 5) for providing various functions.

Subsequently, the control unit 31 receives a press of a usage application button 430 (described later with reference to FIG. 5) included in the function provision screen 4 from the user (activity A2). Next, in response to receiving the press of the usage application button 430, the control unit 31 transmits a request for a deferred payment usage application to the server device 2 (activity A3).

Subsequently, the control unit 21 receives a request for a deferred payment usage application from the client device 3 (activity A4). Next, in response to receiving an instruction to apply for deferred payment from the client device 3, the control unit 21 transmits a request for information necessary to start using deferred payment to the client device 3 (activity A5).

Subsequently, the control unit 31 receives a request for information necessary to start using deferred payment from the server device 2 (activity A6). Next, the control unit 31 causes the output unit 35 to display a screen for inputting information necessary to start using deferred payment, such as a deferred payment usage application screen 5 (described later with reference to FIG. 6). The control unit 31 receives input of information necessary to start using deferred payment from the user on the deferred payment usage application screen 5 or the like (activity A7). Next, the control unit 31 transmits information necessary to start using deferred payment to the server device 2 (activity A8).

Subsequently, the control unit 21 receives information necessary to start using deferred payment from the client device 3 (activity A9). Next, the control unit 21 grants the authority for deferred payment and determines the usable quota for deferred payment (activity A10). At this time, the control unit 21 sets the available limit for deferred payment according to the change in the user's deposit balance, the user's desired amount, and the like. Note that the available limit for deferred payment may be set based on a review by the service provider. In that case, the information processing device used by the service provider transmits the examination result of the available quota for deferred payment to the server device 2. Next, the control unit 21 transmits to the client device 3 display information that can identify that the user is authorized to pay later (activity A11).

Subsequently, the control unit 31 receives from the server device 2 display information that can identify that the user is authorized to pay later (activity A12). When executing the process of A12, if the user has logged out of the service, the information processing system 1 may prompt the user to log in again. Next, the control unit 31 receives a payment instruction from the user (activity A13). The payment instructions include instructions to charge the wallet balance or instructions to make a payment. Next, the control unit 31 transmits a payment instruction to the server device 2 (activity A14).

Subsequently, the control unit 21 receives a payment instruction from the client device 3 (activity A15). Next, the control unit 21 executes processing based on the payment instruction (activity A16). At this time, the control unit 21 acquires the wallet balance, which is the amount deposited in advance by charging, and the deferred payment usage amount, which is the amount to be paid by deferred payment. The control unit 21 obtains a first virtual balance b1, which is a virtually set balance, by subtracting the deferred payment usage amount from the wallet balance. Next, the control unit 21 transmits the display information after payment or charging to the client device 3 (activity A17). The display information after payment or charging includes information regarding the first virtual balance b1.

Finally, the control unit 31 receives the display information after payment or charging from the server device 2 (activity A18). The control unit 31 causes the output unit 35 to display information regarding the first virtual balance b1 based on the display information after payment. The information regarding the first virtual balance b1 displayed here is the total amount of money that the user can use for payment. According to a certain point of view, the information regarding the first virtual balance b1 may be information on an amount calculated from the first virtual balance b1. Furthermore, from a certain point of view, the control unit 21 causes the output unit 35 to display a function providing screen 6 (described later with reference to FIG. 9).

According to the present embodiment, it is possible to provide a technology that can combine multiple payment methods to provide more convenient services. Furthermore, since the first virtual balance b1 is set, it becomes easier for the user to recognize the amount of money that the user can use. Furthermore, since complex information processing is not required when processing a combination of multiple payment methods, the use of cache memory in the server device 2 and client device 3 can also be reduced. Further, as a result of being able to reduce the use of cache memory, there is no need for large-scale equipment or computers, so information processing can be performed at low cost.

3.2 Details of Information Processing Next, details of the information processing outlined above will be explained using FIGS. 5 to 9. First, using FIG. 5, details of the function providing screen 4 that is displayed when accepting a request for a deferred payment usage application for activity A2 in FIG. 4 will be explained.

FIG. 5 is a diagram showing an example of the function providing screen 4. As shown in FIG. The function providing screen 4 is a screen for providing various functions to the user. The function providing screen 4 in FIG. 5 includes at least a wallet balance display area 41, a deferred payment application area 43, an advertisement area 44, and a deposit/withdrawal history display area 45.

The wallet balance display area 41 is an area where information regarding the wallet balance is displayed. The wallet balance display area 41 includes wallet balance information 410 and point balance information 411. Wallet balance information 410 is information about the current wallet balance. For example, the wallet balance information 410 is information such as "1,500 yen". Point balance information 411 is information regarding the current point balance. For example, the point balance information 411 is information such as "5 points". Here, points can be used for payment at a rate of 1 yen per point. Points are awarded upon new registration for a predetermined service, payment using wallet balance, payment using deferred payment, etc.

The deferred payment application area 43 is an area where information regarding a deferred payment application is displayed. The deferred payment application area 43 includes a usage application button 430. The usage application button 430 is a button for applying for deferred payment. The control unit 21 causes the output unit 35 to display the deferred payment usage application screen 5 shown in FIG. 6 by accepting the press of the usage application button 430 and the subsequent predetermined operation.

The advertisement area 44 is an area where advertisements regarding predetermined services are displayed. Information about benefits obtained by using a predetermined service may be displayed in the advertising area 44.

The deposit/withdrawal history display area 45 is an area where information regarding deposits or withdrawals is displayed. The deposit/withdrawal history display area 45 includes deposit information 450 and withdrawal information 451. The deposit information 450 is information including the date and time when the user deposited money, and the deposited amount. For example, the deposit information 450 is information indicating that "2,000 yen" was deposited on "January 1, 2022, 10:00." Withdrawal information 451 includes the date and time of withdrawal by the user, transaction details information, withdrawal amount, and wallet mark 451a. Transaction details information is information for specifying the payment destination. The wallet mark 451a is information indicating that the payment was made using the wallet balance. For example, the withdrawal information 451 is information indicating that "500 yen" was withdrawn at "Money Coffee" on "January 2, 2022, 12:00" by using the wallet balance. be.

Next, using FIG. 6, details of the deferred payment usage application screen 5 that is displayed when accepting the input of information necessary for the deferred payment usage application in activity A7 of FIG. 4 will be explained.

FIG. 6 is a diagram showing an example of the deferred payment usage application screen 5. The deferred payment application screen 5 is a screen displayed when applying for deferred payment. The deferred payment usage application screen 5 includes a desired usage quota input area 50, a debit account selection area 51, and a content application button 52. The desired usage quota input area 50 is an area configured to allow the user to input the amount of money as the deferred payment usage quota desired by the user. The withdrawal account selection area 51 is an area for selecting a withdrawal account. A withdrawal account is an account from which a fixed deferred payment usage amount is withdrawn at a specific timing. The specific timing is the timing when the fixed deferred payment usage amount before the withdrawal becomes the fixed deferred payment usage amount after the withdrawal. The specific timing is, for example, the 20th of every month. The withdrawal account selection area 51 is configured such that a predetermined bank account can be selected in a pull-down format. Here, the predetermined bank account may be a bank account of a corporation or an individual that cooperates with other services. For example, when using a deferred payment service with Money Forward Pay for Business, the withdrawal account selection area 51 allows you to select a bank account that is linked to obtain accounting information using account aggregation in the Money Forward cloud. may be configured. The content application button 52 is a button for applying for deferred payment based on the information input in the desired usage quota input area 50 and the debit account selection area 51. The control unit 21 grants deferred payment authority to the user's account in response to the content application button 52 being pressed.

Next, details of the execution of the process based on the payment instruction in activity A16 in FIG. 4 will be described with reference to FIGS. 7 and 8. In FIG. 7, which will be described first, the state set Q and the input set Σ will be described.

FIG. 7 is a diagram showing an example of a deterministic finite automaton that constitutes a virtual balance. The state set Q of the deterministic finite automaton in FIG. 7 defines a first state S1, a second state S2, and a third state S3 as follows. Each of the first state S1, the second state S2, and the third state S3 is an acceptance state in the deterministic finite automaton.

The first state S1, the second state S2, and the third state S3 can be expressed as follows using the first virtual balance b1 and the second virtual balance b2. As shown in Equation 2, in the first state S1, the first virtual balance b1 and the second virtual balance b2 are 0 or more.
As shown in Equation 3, in the second state S2, the first virtual balance b1 is less than 0, and the second virtual balance b2 is greater than or equal to 0.
As shown in Equation 4, in the third state S3, the first virtual balance b1 and the second virtual balance b2 are less than 0.

Next, the input set Σ will be explained. The set Σ of inputs in the deterministic finite automaton in FIG. 7 is defined as follows using inputs p, q, r, s, t, and u.
A set F1 of deposits that increases the available amount is defined as follows using inputs s, t, and u.
The set F2 of withdrawals that reduce the available amount is defined as follows using inputs p, q, and r.

Here, if the amount to be deposited or withdrawn is x, each input p, q, r, s, t, and u shall satisfy the following conditions. A case where the amount x to be withdrawn is larger than the second virtual balance b2 is defined as input p.
A case where the amount x to be withdrawn is greater than the first virtual balance b1 and less than or equal to the second virtual balance b2 is defined as input q.
A case where the amount x to be withdrawn is less than or equal to the first virtual balance b1 is set as input r.
A case where the amount x to be deposited is larger than the value obtained by multiplying the first virtual balance b1 by -1 is defined as input s.
A case where the amount x to be deposited is greater than the second virtual balance b2 multiplied by -1 and less than or equal to the first virtual balance b1 multiplied by -1 is defined as input t.
A case where the amount x to be deposited is less than or equal to the value obtained by multiplying the second virtual balance b2 by -1 is assumed to be input u.

Further, the output 0 in FIG. 7 indicates that no deferred payment details are issued. Output 1 in FIG. 7 indicates that a deferred payment statement will be issued. Here, the deferred payment details are details indicating that the payment is made in deferred payment. The deferred payment details include at least one of information regarding the amount, such as the deferred payment usage amount, and information regarding the date, such as the date and time of deferred payment.

Note that there are two constraint conditions. The first constraint is that the value of the second virtual balance b2 is greater than or equal to the value of the first virtual balance b1, as shown in Equation 14.
The second constraint is that the amount x to be deposited or withdrawn is 0 or more, as shown in Equation 15.
Since the constraint condition is not satisfied, r and u are not input in state S2.

Next, while showing FIG. 8, the wallet balance defined so far, the confirmed deferred payment usage amount before withdrawal, the undetermined deferred payment usage amount, the first virtual balance b1, and the second virtual balance b2 A specific example of the relationship between each state S1, S2, and S3 and each input p, q, r, s, t, and u will be explained.

FIG. 8 is a diagram showing an example of state transition using a deterministic finite automaton that constitutes the virtual balance shown in FIG. 7. Here, it is assumed that the initial state is (b1, b2)=(0,0). The initial state is the first state S1 because the first virtual balance b1 and the second virtual balance b2 are 0 or more and satisfy the condition of Equation 2. Furthermore, in the example shown in FIG. 8, the undetermined deferred payment usage amount becomes the final deferred payment usage amount before the withdrawal at the timing of the month change. The timing of the change of months is an example of the predetermined timing. The deferred payment usage amount that has been determined before being debited is debited from a preset debit account on the 20th of every month. The 20th of every month is an example of a specific timing.

[Processing on January 1st]
A case will be explained in which an amount of 2,000 yen is charged to the wallet balance on January 1st.
The control unit 21 changes the wallet balance from 0 to 2,000 yen.
The control unit 21 leaves the undetermined deferred payment usage amount as 0.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 0.
The control unit 21 changes the first virtual balance b1 from 0 to 2,000 yen.
The control unit 21 changes the second virtual balance b2 from 0 to 2,000 yen.
Since the value obtained by multiplying the first virtual balance b1 by -1 is 0, which means that 2,000 yen, which is larger than 0, has been deposited, the control unit 21 processes the input s according to Equation 11. At this time, since the first virtual balance b1 and the second virtual balance b2 remain 0 or more and satisfy the condition of Equation 2, the control unit 21 remains in the first state S1.

[Processing on January 2nd]
We will explain the case where the amount of 500 yen is paid from the wallet balance on January 2nd.
The control unit 21 changes the wallet balance from 2,000 yen to 1,500 yen.
The control unit 21 leaves the undetermined deferred payment usage amount as 0.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 0.
The control unit 21 changes the first virtual balance b1 from 2,000 yen to 1,500 yen.
The control unit 21 changes the second virtual balance b2 from 2,000 yen to 1,500 yen.
Since the first virtual balance b1 is 2,000 yen and 500 yen, which is smaller than the first virtual balance b1, has been withdrawn, the control unit 21 processes the input r according to Equation 10. At this time, since the first virtual balance b1 and the second virtual balance b2 remain 0 or more and satisfy the condition of Equation 2, the control unit 21 remains in the first state S1.

[Processing on January 3rd]
A case will be explained in which the amount of 2,500 yen is paid from the wallet balance on January 3rd.
The control unit 21 changes the wallet balance from 1,500 yen to 0.
The control unit 21 sets the undetermined deferred payment usage amount from 0 to 1,000 yen.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 0.
The control unit 21 sets the first virtual balance b1 from 1,500 yen to -1,000 yen. In other words, if the payment amount (2,500 yen) exceeds the wallet balance (1,500 yen), the control unit 21 determines that the entire wallet balance (1,500 yen) has been consumed and that the amount is insufficient. The payment amount (1,000 yen) is paid by deferred payment, and from the first virtual balance b1 (1,500 yen), the amount of the consumed wallet balance (1,500 yen) and the amount paid by deferred payment ( 1,000 yen) to obtain the first virtual balance b1 (-1,000 yen) after payment.
The control unit 21 sets the second virtual balance b2 from 1,500 yen to -1,000 yen.
Since the second virtual balance b2 is 1,000 yen and 2,500 yen, which is larger than the second virtual balance b2, will be withdrawn, the control unit 21 processes the input p according to Equation 8. . At this time, since the first virtual balance b1 and the second virtual balance b2 are less than 0 and satisfy the condition of Equation 4, the control unit 21 transitions the state from the first state S1 to the third state S3.
Since the second virtual balance changes from 1,500 yen to -1,000 yen, which is less than 0, the control unit 21 issues a deferred payment statement. The second virtual balance b2 being less than 0 is an example of the second virtual balance b2 exceeding a predetermined threshold.

[Processing on February 1st]
We will explain the case where the claim is finalized on February 1st.
The control unit 21 leaves the wallet balance at 0.
The control unit 21 changes the undetermined deferred payment usage amount from 1,000 yen to 0.
The control unit 21 changes the confirmed deferred payment usage amount before the withdrawal from 0 to 1000 yen.
The control unit 21 leaves the first virtual balance b1 at −1,000 yen. The first virtual balance b1 is the amount obtained by subtracting the confirmed deferred payment usage amount before withdrawal and the undetermined deferred payment usage amount from the wallet balance.
The control unit 21 changes the second virtual balance b2 from -1,000 yen to 0. The control unit 21 manages a second virtual balance b2 that defines the usage amount (1,000 yen) for deferred payment that is determined before withdrawal at the timing of the month change to February.
Since the first virtual balance b1 remains less than 0 and the second virtual balance b2 becomes 0 or more and satisfies the condition of Equation 3, the control unit 21 transitions the state from the third state S3 to the second state S2.

[Processing on February 2nd]
We will explain the case where an amount of 3,000 yen is paid in arrears on February 2nd.
The control unit 21 leaves the wallet balance at 0.
The control unit 21 changes the undetermined deferred payment usage amount from 0 to 3,000 yen.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 1000 yen.
The control unit 21 changes the first virtual balance b1 from -1,000 yen to -4,000 yen.
The control unit 21 changes the second virtual balance b2 from 0 to -3,000 yen.
Since the second virtual balance b2 is 0 yen and 3,000 yen, which is larger than the second virtual balance b2, has been withdrawn, the control unit 21 processes the input p according to Equation 8. At this time, since the first virtual balance b1 and the second virtual balance b2 are less than 0 and satisfy the condition of Equation 4, the control unit 21 transitions the state from the second state S2 to the third state S3.
Since the second virtual balance changes from 0 to -3,000 yen and is less than 0, the control unit 21 issues a deferred payment statement.

[Processing on February 3rd]
A case where an amount of 3,500 yen is charged on February 3rd will be explained.
The control unit 21 changes the wallet balance from 0 to 500 yen.
The control unit 21 changes the undetermined deferred payment usage amount from 1,000 yen to 0. That is, when the control unit 21 charges the wallet balance with an undetermined deferred payment usage amount (1,000 yen), the control unit 21 offsets the deferred payment usage amount.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 1,000 yen.
The control unit 21 changes the first virtual balance b1 from -4,000 yen to -500 yen.
The control unit 21 changes the second virtual balance b2 from -3,000 yen to 500 yen.
When the first virtual balance b1 is -4,000 yen and the second virtual balance b2 is -3,000 yen, the value is greater than the value obtained by multiplying the second virtual balance b2 by -1, and the first virtual balance Since 3,500 yen, which is smaller than the value b1 multiplied by -1, has been deposited, the control unit 21 processes the input t according to Equation 12. At this time, since the first virtual balance b1 remains less than 0 and the second virtual balance b2 becomes 0 or more and satisfies the condition of Equation 3, the control unit 21 transitions from the third state S3 to the second state S2. .
The control unit 21 issues a deferred payment statement because the undetermined deferred payment usage amount (1,000 yen) has been offset by charging to the wallet balance.

[Processing on February 4th]
A case will be explained in which the amount of 200 yen is paid from the wallet balance on February 4th.
The control unit 21 changes the wallet balance from 500 yen to 300 yen.
The control unit 21 leaves the undetermined deferred payment usage amount as 0.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 1000 yen.
The control unit 21 changes the first virtual balance b1 from -500 yen to -700 yen.
The control unit 21 changes the second virtual balance b2 from 500 yen to 300 yen.
When the first virtual balance b1 is -500 yen and the second virtual balance b2 is 500 yen, 200 yen is withdrawn which is larger than the first virtual balance b1 and smaller than the second virtual balance b2. Therefore, the control unit 21 processes the input q according to Equation 9. At this time, since the first virtual balance b1 remains less than 0 and the second virtual balance b2 remains 0 or more, satisfying the condition of Equation 3, the control unit 21 remains in the second state S2.

[Processing on February 5th]
We will explain the case where a total of 1,000 yen was paid from the wallet balance and deferred payment on February 5th.
The control unit 21 changes the wallet balance from 300 yen to 0.
The control unit 21 changes the undetermined deferred payment usage amount from 0 to 700 yen.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 1,000 yen.
The control unit 21 changes the first virtual balance b1 from -700 yen to -1,700 yen. That is, when a payment is made for an amount (1,000 yen) that exceeds the wallet balance (300 yen), the control unit 21 consumes the entire wallet balance (300 yen) and makes a payment for the insufficient payment amount (700 yen). yen) by deferred payment, and by subtracting the consumed wallet balance amount (300 yen) and the amount paid by deferred payment (700 yen) from the first virtual balance b1 (-700 yen), Obtain the first virtual balance b1 (-1,700 yen) after payment.
The control unit 21 changes the second virtual balance b2 from 300 yen to -700 yen.
When the first virtual balance b1 is -700 yen and the second virtual balance b2 is 300 yen, it means that 1,000 yen, which is larger than the second virtual balance b2, has been withdrawn, so according to Equation 8, the control The unit 21 processes the input p. At this time, since the first virtual balance b1 and the second virtual balance b2 are less than 0 and satisfy the condition of Equation 4, the control unit 21 transitions the state from the second state S2 to the third state S3.
Since the second virtual balance changes from 300 yen to -700 yen, which is less than 0, the control unit 21 issues a deferred payment statement.

[Processing on February 20th]
We will explain the case where the claim is finalized on February 20th.
The control unit 21 leaves the wallet balance at 0 yen.
The control unit 21 leaves the undetermined deferred payment usage amount unchanged at 700 yen.
The control unit 21 changes the confirmed deferred payment usage amount before the withdrawal from 1000 yen to 0.
The control unit 21 changes the first virtual balance b1 from -1,700 yen to -700 yen.
The control unit 21 leaves the second virtual balance b2 at −700 yen.
Since the first virtual balance b1 and the second virtual balance b2 remain less than 0, the control unit 21 remains in the third state S3 according to the condition of Equation 4.

[Processing on February 21st]
We will explain the case where an amount of 300 yen was paid as a deferred payment on February 21st.
The control unit 21 leaves the wallet balance at 0.
The control unit 21 changes the undetermined deferred payment usage amount from 700 yen to 1000 yen.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 0.
The control unit 21 changes the first virtual balance b1 from -700 yen to -1,000 yen.
The control unit 21 changes the second virtual balance b2 from -700 yen to -1,000 yen.
Since 300 yen, which is larger than the second virtual balance b2, has been withdrawn, the control unit 21 processes the input p according to Equation 8. At this time, since the first virtual balance b1 and the second virtual balance b2 remain less than 0, the control unit 21 remains in the third state S3 according to the condition of Equation 4.
Since the second virtual balance changes from -700 yen to -1,000 yen, which is less than 0, the control unit 21 issues a deferred payment statement. According to another viewpoint, the control unit 21 issues a deferred payment statement when deferred payment is used in a state where there is an undetermined deferred payment usage amount.

[Processing on March 1st]
We will explain the case where the claim is finalized on March 1st.
The control unit 21 leaves the wallet balance at 0.
The control unit 21 changes the undetermined deferred payment usage amount from 1,000 yen to 0.
The control unit 21 changes the confirmed deferred payment usage amount before the withdrawal from 0 to 1000 yen.
The control unit 21 leaves the first virtual balance b1 at −1,000 yen.
The control unit 21 changes the second virtual balance b2 from -1,000 yen to 0. The control unit 21 manages a second virtual balance b2 that defines the usage amount (1,000 yen) for deferred payment that is determined before withdrawal at the timing of the month change to March.
Since the first virtual balance b1 remains less than 0 and the second virtual balance b2 becomes 0 or more and satisfies the condition of Equation 3, the control unit 21 transitions the state from the third state S3 to the second state S2.

[Processing on March 2nd]
We will explain the case where an amount of 2,000 yen is charged to the wallet balance on March 2nd.
The control unit 21 changes the wallet balance from 0 to 2,000 yen.
The control unit 21 leaves the undetermined deferred payment usage amount as 0. That is, if the control unit 21 charges the wallet balance with a fixed deferred payment usage amount (1,000 yen) before the withdrawal, the control unit 21 does not offset the deferred payment usage amount.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 1000 yen.
The control unit 21 changes the first virtual balance b1 from -1,000 yen to 1,000 yen.
The control unit 21 changes the second virtual balance b2 from 0 to 2,000 yen.
Since the first virtual balance b1 is -1,000 yen, this means that 2,000 yen, which is larger than -b1, has been deposited, so the control unit 21 processes the input s according to Equation 11. At this time, since the first virtual balance b1 and the second virtual balance b2 become 0 or more and satisfy the condition of Equation 2, the control unit 21 transitions the state from the second state S2 to the first state S1.

[Processing on March 3rd]
We will explain the case where 1,200 yen was paid from the wallet balance on March 3rd.
The control unit 21 changes the wallet balance from 2,000 yen to 800 yen.
The control unit 21 leaves the undetermined deferred payment usage amount as 0.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 1,000 yen.
The control unit 21 changes the first virtual balance b1 from 1,000 yen to -200 yen.
The control unit 21 changes the second virtual balance b2 from 2,000 yen to 800 yen.
When the first virtual balance b1 is 1,000 yen and the second virtual balance b2 is 2,000 yen, 1,200 yen is withdrawn which is larger than the first virtual balance b1 and smaller than the second virtual balance b2. Therefore, the control unit 21 processes the input q according to Equation 9. At this time, since the first virtual balance b1 becomes less than 0 and the second virtual balance b2 remains 0 or more, the condition of Equation 3 is satisfied, so the control unit 21 changes from the first state S1 to the second state S2. Transition states.

[Processing on March 4th]
The case where an amount of 100 yen is charged on March 4th will be explained.
The control unit 21 changes the wallet balance from 800 yen to 900 yen.
The control unit 21 leaves the undetermined deferred payment usage amount as 0.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 1000 yen.
The control unit 21 changes the first virtual balance b1 from -200 yen to -100 yen.
The control unit 21 changes the second virtual balance b2 from 800 yen to 900 yen.
If the first virtual balance b1 is -200 yen and the second virtual balance b2 is 800 yen, the value is greater than the second virtual balance b2 multiplied by -1, and the first virtual balance b1 is -1. Since 100 yen, which is smaller than the multiplied value, has been deposited, the control unit 21 processes the input t according to Equation 12. At this time, since the first virtual balance b1 remains less than 0 and the second virtual balance b2 remains greater than or equal to 0, the control unit 21 maintains the second state S2 according to the condition of Equation 3.

[Processing on March 5th]
We will explain the case where a total of 1,100 yen was paid from the wallet balance and deferred payment on March 5th.
The control unit 21 changes the wallet balance from 900 yen to 0.
The control unit 21 changes the undetermined deferred payment usage amount from 0 to 200 yen.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 1,000 yen.
The control unit 21 changes the first virtual balance b1 from -100 yen to -1,200 yen. That is, when a payment is made for an amount (1,100 yen) that exceeds the wallet balance (900 yen), the control unit 21 consumes the entire wallet balance (900 yen) and makes a payment for the insufficient payment amount (200 yen). yen) by deferred payment, and by subtracting the consumed wallet balance amount (900 yen) and the amount paid by deferred payment (200 yen) from the first virtual balance b1 (-100 yen), Obtain the first virtual balance b1 (-1,200 yen) after payment.
The control unit 21 changes the second virtual balance b2 from 900 yen to -200 yen.
Since the second virtual balance b2 is 900 yen, 1,100 yen, which is larger than the second virtual balance b2, has been withdrawn, the control unit 21 processes the input p according to Equation 8. At this time, since the first virtual balance b1 and the second virtual balance b2 are less than 0, the condition of Equation 4 is satisfied, so the control unit 21 transitions the state from the second state S2 to the third state S3.
Since the second virtual balance changes from 900 yen to -200 yen, which is less than 0, the control unit 21 issues a deferred payment statement.

[Processing on March 6th]
We will explain the case where an amount of 1,700 yen was charged to the wallet balance on March 6th.
The control unit 21 changes the wallet balance from 0 to 1,500 yen.
The control unit 21 changes the undetermined deferred payment usage amount from 200 yen to 0.
The control unit 21 leaves the confirmed deferred payment usage amount before the withdrawal as 1,000 yen.
The control unit 21 changes the first virtual balance b1 from -1,200 yen to 500 yen.
The control unit 21 changes the second virtual balance b2 from -200 yen to 1,500 yen.
Since the first virtual balance b1 is -1,200 yen, this means that 2,000 yen, which is larger than -b1 of 1,200 yen, has been deposited. Process. At this time, since the first virtual balance b1 and the second virtual balance b2 are 0 or more, the condition of Equation 2 is satisfied, so the control unit 21 transitions the state from the third state S3 to the first state S1.
The control unit 21 issues a deferred payment statement because the undetermined deferred payment usage amount (200 yen) has been offset by charging to the wallet balance.

[Processing on March 20th]
We will explain the case where the claim is finalized on March 20th.
The control unit 21 leaves the wallet balance at 1,500 yen.
The control unit 21 leaves the undetermined deferred payment usage amount as 0 yen.
The control unit 21 changes the confirmed deferred payment usage amount before the withdrawal from 1000 yen to 0.
The control unit 21 changes the first virtual balance b1 from 500 yen to 1,500 yen.
The control unit 21 leaves the second virtual balance b2 at 1500 yen.
Since the first virtual balance b1 and the second virtual balance b2 are 0 or more and satisfy the condition of Equation 2, the control unit 21 remains in the first state S1.

Next, details of the function providing screen 6 displayed in activity A18 of FIG. 4 will be described using FIG. 9.

FIG. 9 is a diagram showing an example of the function providing screen 6. As shown in FIG. The function providing screen 6 is a screen for providing various functions to the user. The function providing screen 6 is a screen related to the information processing of A2 in FIG. The function providing screen 6 in FIG. 9 includes at least an available amount display area 60, a wallet balance display area 61, a deferred payment usage amount display area 62, an advertising area 64, and a deposit/withdrawal history display area 65. .

The available amount display area 60 is an area where information regarding the available amount is displayed. The available amount display area 60 includes available amount information 600, deferred payment usage limit information 601, wallet balance information 602, and deferred payment usage amount information 603. The available amount information 600 is the total amount that the user can use for payment. More specifically, the available amount information 600 includes the amount of the deferred payment amount set for the user plus the wallet balance, the confirmed deferred payment amount before the withdrawal, and the undetermined deferred payment amount. This is the amount after deducting the usage amount. According to one perspective, at the timing when the fixed deferred payment usage amount before the debit becomes the fixed deferred payment usage amount after the debit, the available amount information 600 indicates that the deferred payment usage amount determined before the withdrawal has been deducted. It becomes information. According to one aspect, the control unit 21 controls the usage amount, which is a virtually set balance, based on the wallet balance, which is the amount deposited in advance by charging, and the deferred payment usage amount, which is the amount paid by deferred payment. Possible amount information 600 is acquired. The control unit 21 causes the output unit 35 to display the available amount information 600. Here, the available amount information 600 is an example of information regarding the first virtual balance b1. This makes it easier for the user to recognize the amount of money available to the user based on the deferred payment usage amount, wallet balance, and deferred payment usage limit.

The deferred payment usage limit information 601 is information regarding the deferred payment usage limit. Here, the deferred payment usage limit is the amount of money that can be used for deferred payment. Furthermore, the deferred payment usage limit is a fixed value that does not change depending on the use of the wallet balance, the use of deferred payment, etc. Wallet balance information 602 is information regarding wallet balance. Wallet balance is synonymous with prepaid balance. The deferred payment usage amount information 603 is information regarding the total amount of deferred payment. According to a certain viewpoint, if there is no undetermined deferred payment usage amount, the deferred payment usage amount information 603 becomes "0". Further, from a certain point of view, the deferred payment usage amount information 603 becomes "0" at the timing when the deferred payment usage amount determined before the withdrawal becomes the deferred payment usage amount determined after the withdrawal. Further, from a certain point of view, the control unit 21 causes the output unit 35 to display the deferred payment usage limit information 601, the wallet balance information 602, and the deferred payment usage amount information 603 in a list form. This makes it easier for the user to recognize the wallet balance, the deferred payment usage amount, and the deferred payment usage limit, thereby improving convenience.

For the wallet balance display area 61, please refer to the wallet balance display area 41. The wallet balance information 610 in FIG. 9 is "500 yen". The point balance information 611 in FIG. 9 is "60 points."

The deferred payment usage amount display area 62 is an area where information regarding the deferred payment usage amount is displayed. The deferred payment usage amount display area 62 includes confirmed deferred payment information 620 and unconfirmed deferred payment information 621. The confirmed deferred payment information 620 is information regarding the confirmed deferred payment. The confirmed deferred payment information 620 may include information regarding the period in which deferred payment is used, such as "for January 2022." The confirmed deferred payment information 620 may include information on the date on which the payment will be debited, such as "Debit on February 20th." The confirmed deferred payment information 620 may include information such as "confirmed" for identifying the deferred payment usage amount that has been determined before being debited or the deferred payment usage amount that has been determined after being debited. The confirmed deferred payment information 620 may include information on the final deferred payment usage amount before the debit, such as "1,000 yen", or the final deferred payment usage amount after the withdrawal. When it is time for the month to change while the second virtual balance b2 is less than 0, the control unit 21 adds the value obtained by multiplying the second virtual balance b2 less than 0 by -1 to the confirmed deferred payment information 620. The deferred payment usage amount will be determined before the withdrawal. Further, when the second virtual balance b2 is 0 or more and it is time to change the month, the control unit 21 sets "0 yen" as the confirmed deferred payment usage amount before the withdrawal.

Unconfirmed deferred payment information 621 is information regarding unconfirmed deferred payment. The unconfirmed deferred payment information 621 may include information regarding the period in which deferred payment is used, such as "for February 2022." The unconfirmed deferred payment information 621 may include information on the date on which the debit will be made, such as "debit on March 20th." The undetermined deferred payment information 621 may include information such as "undetermined" for identifying that the deferred payment usage amount is undetermined. The undetermined deferred payment information 621 may include information on an undetermined deferred payment usage amount, such as "0 yen."

For the advertising area 64, refer to the advertising area 44.

The deposit/withdrawal history display area 65 is an area where information regarding deposits or withdrawals is displayed. The deposit/withdrawal history display area 65 includes deposit information 650, 654 and withdrawal information 651, 652, 653. For deposit information 650, please refer to deposit information 450. The deposit information 654 is information including the date and time when the user deposited money, and the deposit amount. For example, the deposit information 654 is information indicating that "3,500 yen" was deposited on "February 3, 2022, 15:11."

For the withdrawal information 651, please refer to the withdrawal information 451. Note that the withdrawal information 651 includes a wallet mark 651a. Withdrawal information 652 includes the date and time of withdrawal by the user, transaction details information, withdrawal amount, wallet mark 652a, and deferred payment mark 652b. For example, the withdrawal information 652 indicates that "2,500 yen" was withdrawn at "Forward Bookstore" on "January 3, 2022, 10:52" by using the wallet balance and deferred payment. This is information indicating that. Withdrawal information 653 includes the date and time of withdrawal by the user, transaction details information, withdrawal amount, and deferred payment mark 653b. For example, the withdrawal information 653 indicates that "3,000 yen" was withdrawn at "Pay Stationery" on "February 2, 2022, 11:30" by using deferred payment. It is information. Here, the wallet marks 651a and 652a are information indicating that the payment was made using the wallet balance. The deferred payment marks 652b and 653b are information indicating that the payment was made by deferred payment.

According to one aspect, when the wallet balance is used in a transaction, the control unit 21 causes the output unit 35 to display the wallet mark 651a together with transaction information. Furthermore, when deferred payment is used in a transaction, the control unit 21 causes the output unit 35 to display the deferred payment mark 653b together with the transaction information. When both a wallet and a deferred payment are used in a transaction, the control unit 21 causes the output unit 35 to display both the wallet mark 652a and the deferred payment mark 652b together with transaction information. Here, the wallet marks 651a and 652a are examples of notations corresponding to wallets. The deferred payment marks 652b and 653b are examples of notation corresponding to deferred payment. Further, the transaction information includes at least one of the date and time of withdrawal by the user, transaction details information, and withdrawal amount. This allows the user to identify whether the payment was made using the wallet balance or using deferred payment.

As described above, according to the present disclosure, it is possible to provide a technology that can combine multiple payment methods to provide more convenient services. In addition, by defining the first virtual balance b1 and the second virtual balance b2, while the wallet balance and the deferred payment usage amount are interrelated, the debit of the deferred payment usage amount that has been confirmed before the withdrawal can be performed without problems. It becomes possible to do so.

[Modified example]
Next, a modification of this embodiment will be described using FIG. 10. FIG. 10 is a diagram showing an example of the available amount display area 70 in a modified example. The available amount display area 70 in FIG. 10 is an area where information regarding the available amount is displayed. The available amount display area 70 may be displayed in the form of a modal window with arbitrary information in the background. The available amount display area 70 includes available amount information 700, deferred payment usage limit information 701, wallet balance information 702, and deferred payment usage amount information 703. Regarding the available amount information 700, deferred payment usage limit information 701, wallet balance information 702, and deferred payment usage amount information 703, available amount information 600, deferred payment usage limit information 601, and wallet balance information 602 and deferred payment usage amount information 603.

The control unit 21 causes the available amount information 700 to be displayed on the output unit 35 serving as a display unit. Here, the available amount information 700 is an example of information regarding the first virtual balance b1. This makes it easier for the user to recognize the amount of money available to the user based on the deferred payment usage amount, wallet balance, and deferred payment usage limit.

Further, the control unit 21 causes the output unit 35 serving as a display unit to display the deferred payment usage limit information 701, the wallet balance information 702, and the deferred payment usage amount information 703 in a list form. This makes it easier for the user to recognize the wallet balance, the deferred payment usage amount, and the deferred payment usage limit, thereby improving the convenience of the service.

Further, in the present embodiment, the control unit 21 causes the output unit 35 serving as a display unit to display information regarding the first virtual balance b1, and the available amount information 700 is an example of information regarding the first virtual balance b1. It was described as something. In a modification, the control unit 21 may display the first virtual balance b1 itself on the output unit 35 serving as a display unit.

Furthermore, in the present embodiment, the timing at which the undetermined deferred payment usage amount becomes the final deferred payment usage amount before the withdrawal is described as the timing at which the month changes; Good too. For example, the predetermined timing may be set to any date such as the 15th, or may be set at any interval such as once every three months, or may be set by recognizing weekends, holidays, and weekdays. You can.

Furthermore, in this embodiment, the specific timing at which the deferred payment usage amount determined before the withdrawal is debited from the preset debit account is described as being on the 20th of every month. It may be timing.

Furthermore, in this embodiment, when the wallet balance is used, a symbol is displayed as a notation corresponding to the wallet payment, but in a modified example, a symbol other than the symbol may be used, and it may also be displayed by text, image, etc. good. The same applies to the notation corresponding to deferred payment.

Further, "pressing a button" in this embodiment is an example of "operating an object", and any mode may be used as long as it can accept instructions from the user.

[others]
Regarding the information processing system 1 according to the embodiment described above, the program may be a program that causes a computer to function as the control unit 31 of the information processing system 1. Alternatively, the information processing method may be executed by the information processing system 1.

Furthermore, each aspect described below may be provided.

(1) An information processing system, which includes a control unit, and the control unit is configured to perform processing based on a wallet balance, which is an amount deposited in advance by charging, and a deferred payment usage amount, which is an amount to be paid by deferred payment. , an information processing system that acquires a first virtual balance that is a virtually set balance and displays information regarding the first virtual balance.

According to such a configuration, since a plurality of payment methods are combined, a more convenient service can be provided. Further, according to such a configuration, since the first virtual balance is set, it becomes easier for the user to recognize the amount of money that the user can use.

(2) In the information processing system described in (1) above, the first virtual balance is the amount obtained by subtracting the confirmed deferred payment usage amount before withdrawal and the undetermined deferred payment usage amount from the wallet balance. When the payment exceeds the wallet balance, the control unit consumes the entire wallet balance and pays the insufficient amount by deferred payment, An information processing system that obtains a first virtual balance after payment by subtracting the consumed amount of the wallet balance and the amount to be paid by deferred payment from .

According to such a configuration, even if there is a shortage in the wallet balance due to payment of an amount exceeding the wallet balance, it can be covered by deferred payment. Moreover, according to such a configuration, since the first virtual balance is set based on the wallet balance and the deferred payment amount, it becomes easier for the user to recognize the amount of money that the user can use.

(3) In the information processing system described in (1) or (2) above, the information regarding the first virtual balance is determined from the amount of the deferred payment usage limit plus the wallet balance, which is determined as the deferred payment before the withdrawal. The information processing system is an amount obtained by subtracting a usage amount and an undetermined deferred payment usage amount, where the deferred payment usage limit is an amount set as a deferred payment usage limit for a user.

According to such a configuration, the user can recognize the amount of money that the user can use based on the deferred payment usage limit, the wallet balance, the confirmed deferred payment usage amount before withdrawal, and the undetermined deferred payment usage amount. It becomes easier.

(4) In the information processing system according to (3) above, the control unit adds the wallet balance, the confirmed deferred payment usage amount before the withdrawal, and the undetermined deferred payment usage amount; An information processing system that displays the deferred payment usage limit in a list form.

With this configuration, the user can easily recognize the sum of the wallet balance, the confirmed deferred payment usage amount before withdrawal, the unconfirmed deferred payment usage amount, and the deferred payment usage limit, so that the service convenience will be improved.

(5) In the information processing system according to any one of (1) to (4) above, the control unit manages a second virtual balance, wherein the second virtual balance is set at a predetermined timing. , an information processing system that defines the usage amount of deferred payment that is confirmed before being debited.

According to such a configuration, since the second virtual balance is managed, it is possible to manage the usage amount for deferred payment that is determined before being debited.

(6) In the information processing system according to (5) above, when the wallet balance is charged with an undetermined deferred payment usage amount, the control unit performs information processing that offsets the deferred payment usage amount. system.

According to such a configuration, by defining the second virtual balance, it is possible to distinguish between the determined deferred payment usage amount and the undetermined deferred payment usage amount and make the payment. Further, according to such a configuration, the undetermined deferred payment usage amount can be set off.

(7) In the information processing system according to (6) above, if the second virtual balance exceeds a predetermined threshold due to deferred payment, or if the undetermined deferred payment amount is When the wallet balance is offset by charging, an information processing system issues a deferred payment statement, wherein the deferred payment statement is a statement regarding the deferred payment.

According to such a configuration, it is possible to issue a deferred payment statement indicating that deferred payment has occurred or has been offset.

(8) In the information processing system according to any one of (1) to (7) above, when the wallet balance is used in a transaction, the control unit adds an expression corresponding to wallet payment to the transaction. When the deferred payment is used in a transaction, the notation corresponding to the deferred payment is displayed together with the transaction information, and when both the wallet balance and the deferred payment are used in the transaction, the deferred payment is displayed. An information processing system that displays both the wallet balance and the deferred payment together with transaction information.

According to such a configuration, the user can be made aware of which payment method was used to make the payment.

(9) An information processing system, comprising a control unit, the control unit displaying an available amount, and the available amount is a deferred payment usage limit set for a user. The information processing system is the amount obtained by subtracting the confirmed deferred payment usage amount before withdrawal and the undetermined deferred payment usage amount from the amount shown plus the wallet balance, which is the amount deposited in advance by charging. .

(10) A program for causing a computer to function as the control unit of the information processing system according to any one of (1) to (9) above.

(11) An information processing method executed by an information processing system, comprising each process executed by the control unit of the information processing system according to any one of (1) to (9) above. .
Of course, this is not the case.

Finally, although various embodiments according to the present invention have been described, these are presented as examples and are not intended to limit the scope of the invention. The new embodiment can be implemented in various other forms, and various omissions, substitutions, and changes can be made without departing from the gist of the invention. The embodiment and its modifications are included within the scope and gist of the invention, and are included within the scope of the invention described in the claims and its equivalents.

1: Information processing system 2: Server device 21: Control unit 22: Storage unit 23: Communication unit 3: Client device 31: Control unit 32: Storage unit 33: Communication unit 34: Input unit 35: Output unit 4: Function providing screen 41: Wallet balance display area 410: Wallet balance information 411: Point balance information 43: Payment application area 430: Usage application button 44: Advertising area 45: Deposit/withdrawal history display area 450: Deposit information 451: Withdrawal information 451a: Wallet mark 5: Payment usage application screen 50: Desired usage quota input area 51: Debit account selection area 52: Content application button 6: Function provision screen 60: Available amount display area 600: Available amount information 601: Payment usage quota information 602: Wallet balance information 603: Payment amount information 61: Wallet balance display area 610: Wallet balance information 611: Point balance information 62: Payment amount display area 620: Payment information 621: Payment information 64: Advertising area 65: Deposit/withdrawal history display Area 650: Deposit information 651: Withdrawal information 651a: Wallet mark 652: Withdrawal information 652a: Wallet mark 652b: Payment mark 653: Withdrawal information 653b: Payment mark 654: Deposit information 70: Available amount display area 700: Usage Possible amount information 701: Payment usage limit information 702: Wallet balance information 703: Payment usage amount information N: Network S1: First state S2: Second state S3: Third state b1: First virtual balance b2: Second virtual balance

Claims (11)

An information processing system,
has a control section,
The control unit includes:
Obtain a first virtual balance, which is a virtually set balance, based on the wallet balance, which is the amount deposited in advance by charging, and the deferred payment usage amount, which is the amount to be paid by deferred payment,
displaying information regarding the first virtual balance;
Information processing system. The information processing system according to claim 1,
The first virtual balance is the amount obtained by subtracting the confirmed deferred payment usage amount before withdrawal and the undetermined deferred payment usage amount from the wallet balance,
The control unit includes:
If a payment is made that exceeds the wallet balance, all the wallet balance is consumed and the missing payment amount is paid later,
obtaining a post-payment first virtual balance by subtracting the consumed amount of the wallet balance and the amount paid by deferred payment from the first virtual balance;
Information processing system. The information processing system according to claim 1,
The information regarding the first virtual balance is the amount obtained by subtracting the confirmed deferred payment amount before withdrawal and the undetermined deferred payment amount from the sum of the deferred payment usage limit and the wallet balance;
Here, the deferred payment usage limit is an amount set as a deferred payment usage limit for the user,
Information processing system. The information processing system according to claim 3,
The control unit includes:
Displaying the wallet balance, the sum of the confirmed deferred payment usage amount before the withdrawal, the undetermined deferred payment usage amount, and the deferred payment usage limit in a list form;
Information processing system. The information processing system according to claim 1,
The control unit includes:
manage a second virtual balance;
Here, the second virtual balance defines, at a predetermined timing, the usage amount of the deferred payment that is determined before the withdrawal;
Information processing system. The information processing system according to claim 5,
The control unit includes:
If you charge the wallet balance with an undetermined deferred payment amount, the deferred payment amount will be offset;
Information processing system. The information processing system according to claim 6,
The control unit includes:
If the second virtual balance exceeds a predetermined threshold due to deferred payment, or if the undetermined deferred payment usage amount is offset by charging to the wallet balance, issue a deferred payment statement;
Here, the deferred payment details are details regarding deferred payment,
Information processing system. The information processing system according to claim 1,
The control unit includes:
In a transaction, when the wallet balance is used, an expression corresponding to wallet payment is displayed together with the transaction information,
In a transaction, when the deferred payment is used, a notation corresponding to the deferred payment is displayed together with the transaction information,
When both the wallet balance and the deferred payment are used in a transaction, displaying both the wallet balance and the deferred payment together with transaction information;
Information processing system. An information processing system,
has a control section,
The control unit includes:
It displays the available amount,
The available amount is the sum of the amount indicating the deferred payment usage limit set for the user plus the wallet balance, which is the amount deposited in advance, to the confirmed deferred payment usage amount before withdrawal, and The amount after deducting the undetermined deferred payment amount,
Information processing system. A program,
A program for causing a computer to function as the control unit of the information processing system according to claim 1. An information processing method executed by an information processing system, the method comprising:
comprising each process executed by the control unit of the information processing system according to any one of claims 1 to 9,
Information processing method.