JP2024061852A - Information processing device, information processing method, and program - Google Patents

Abstract

The present invention provides a method for presenting an appropriate funding amount in a simple manner. The present invention is an information processing device that includes a funding plan presentation unit that displays the required amount that a customer can select based on a preset maximum funding amount and information about the customer. [Selected Figure] FIG.

Description

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

Credit card companies and other such companies set credit limits to avoid the risk of not being able to collect payments from customers, but if the credit limit is set too low, their own profits will also stagnate.

For example, Patent Document 1 describes a method for determining a credit limit based on a customer's usage amount over a specified period of time so as to maximize expected profits.

JP 2015-132880 A

In the method described in Patent Document 1, a usage probability distribution is calculated from the customer's past usage amounts, and the expected profit is calculated using the obtained usage probability distribution, which requires the accumulation of a certain amount of past data and complex calculation processing. For this reason, the method is difficult to apply in cases where funds are to be provided quickly to retail stores, etc.

The present invention was made in consideration of the above-described circumstances, and one of its objectives is to present an appropriate funding amount in a simple manner.

An information processing device according to one embodiment of the present invention is provided with a funding plan presentation unit that displays the required amount that a customer can select based on a preset maximum funding amount and information about the customer.

An information processing method according to one embodiment of the present invention includes a step of displaying the required amount selectable by the customer based on a preset maximum funding amount and information about the customer.

A program according to one embodiment of the present invention causes a computer to function as a funding plan presentation unit that displays the required amount that a customer can select based on a preset maximum funding amount and information about the customer.

The present invention makes it possible to present an appropriate funding amount in a simple manner.

1 is a diagram showing a schematic configuration of a funding system 1 according to an embodiment of the present invention. 1 is a diagram showing the functional configuration of a funding management server 10 in a funding system 1 according to an embodiment of the present invention. 4 is a flowchart showing an example of a process for acquiring customer information in the funding system 1 according to an embodiment of the present invention. 4 is a flowchart showing an example of a funding plan setting process in the funding system 1 according to an embodiment of the present invention. FIG. 2 is a diagram illustrating a funding service screen displayed on a customer terminal 20 in the funding system 1 according to an embodiment of the present invention. 4 is a flowchart showing an example of a process for setting a required amount of money in the funding system 1 according to an embodiment of the present invention. 1 is a diagram illustrating a method of displaying a required amount in the funding system 1 according to an embodiment of the present invention. A flowchart showing an example of a process for setting the deduction rate/withdrawal completion period in the funding system 1 according to an embodiment of the present invention. A diagram illustrating a method of displaying the withdrawal rate/withdrawal completion period in the funding system 1 according to an embodiment of the present invention. 11 is a flowchart showing an example of a process for displaying a withdrawal amount on a funding service screen in the funding system 1 according to an embodiment of the present invention. 1 is a diagram illustrating a method of displaying a withdrawal amount in the funding system 1 according to an embodiment of the present invention. 1 is a flowchart showing an example of a flow of funding to a customer in the funding system 1 according to an embodiment of the present invention. 4 is a flowchart showing an example of the flow of a withdrawal process for a customer who has provided funding in the funding system 1 according to the embodiment of the present invention.

The following describes in detail an embodiment of the present invention with reference to the drawings. Note that identical elements are given the same reference numerals and duplicated descriptions are omitted.

Figure 1 is a diagram showing the configuration of a funding system 1 according to this embodiment. As shown in Figure 1, the funding system 1 includes a funding management server (information processing device) 10, a customer terminal 20, and a payment agency service management server 30. The funding management server 10, the customer terminal 20, and the payment agency service management server 30 are connected via a communication network N. The communication network N may be, for example, the Internet, a LAN, a telephone line, an in-house network, a mobile communication network, Bluetooth (registered trademark), WiFi (Wireless Fidelity), other communication lines, or a combination thereof, whether wired or wireless. In addition, multiple customer terminals 20 may be included.

The funding management server 10 is a server that manages funding services for customers (shops, etc.). The funding management server 10 is a general-purpose computer and may be composed of a single computer, or may be composed of multiple computers distributed over a communication network N. The funding management server 10 is equipped with a control device 11 and a storage device 12. The control device 11 is equipped with hardware such as a CPU, memories such as ROM and RAM, an input interface, an output interface, a communication interface, and buses connecting these. The control device 11 realizes various functions by the CPU executing programs stored in the ROM, etc. The storage device 12 is a hard disk drive, etc.

Figure 2 is a block diagram showing functional modules that are realized by the CPU of the control device 11 executing a program stored in a ROM or the like. As shown in Figure 2, the functional modules include a customer information acquisition unit 111, a funding plan presentation unit 112, and a funding processing unit 113.

The storage device 12 is equipped with a customer information database 121. The customer information database 121 stores information such as customer name (store name), account information (such as the account number to which funds are transferred), and maximum available funds, as well as payment information obtained from the payment agency service management server 30. The maximum funding amount is a funding limit set in advance for each customer, and is an amount calculated taking into account the possibility of collection. For example, it can be determined based on the average monthly payment volume for the past 12 months.

The customer terminal 20 is a terminal through which a customer uses the funding service. The user 20 is a terminal capable of communicating with the funding management server 10 via the communication network N, such as a tablet terminal, smartphone, notebook PC (personal computer), or PC. The customer can use the funding service by operating the customer terminal 20 to access the funding service website or launch a dedicated app and logging in using a previously acquired user ID and passcode.

The payment agency service management server 30 is a server that performs payment agency services for the client's business. Specifically, when a user who has shopped or dined at a client's store pays for the purchase using a credit card, electronic money, QR code (registered trademark), etc., the payment processing is performed via a dedicated card reader, and the sales amount collected from the user is transferred to the client's account at regular intervals (e.g., monthly).

Next, the flow of funding to a customer (here, Restaurant A) using the funding system 1 according to this embodiment will be explained using a flowchart and screen images.

First, the fund provision management server 10 acquires information on the target customer from the payment agency service management server 30. FIG. 3 is a flowchart showing an example of a process for acquiring customer information from the payment agency service management server 30.

First, the customer information acquisition unit 111 acquires past payment information of the target customer (restaurant A) from the payment agency service management server 30 (step S101). The payment information is, for example, information on the payment amount (the amount transferred from the payment agency service management server 30 to the customer) for a recent certain period (for example, one year).

Based on the acquired payment information, the customer information acquisition unit 111 predicts the amount to be transferred from the payment agency service management server 30 to Restaurant A over a certain period of time in the future (e.g., one year) (step S102).

Furthermore, the customer information acquisition unit 111 predicts the probability that Restaurant A will stop using the payment agency service within a certain period of time (e.g., one year) in the future (step S103). The probability prediction may be determined based on past data, such as the trend in payment volume over the past year.

If the probability of stopping use of the service exceeds a predetermined standard (step S104: YES), the customer information acquisition unit 111 decides not to provide funds to Restaurant A (step S105). Even if the probability does not exceed the standard (step S104: NO), if Restaurant A has currently stopped using the payment agency service (step S106: YES), the customer information acquisition unit 111 decides not to provide funds to Restaurant A (step S107).

If the probability does not exceed the threshold and Restaurant A is still using the service (step S106: NO), information about Restaurant A (basic customer information, past payment information, etc.) is obtained (step S108) and registered in the customer information database 121 (step S109).

Next, the funding management server 10 determines the content of the funding plan to be presented to Restaurant A. Figure 4 is a flowchart showing an example of the funding plan setting process.

The funding plan presentation unit 112 obtains information about Restaurant A from the customer information database 121, and calculates the predicted monthly transfer amount (information about the customer) to be made from the payment agency service management server 30 to the customer for a certain period of time in the future (here, 12 months) (step S201).

Next, the funding plan presentation unit 112 determines the content of the funding plan to be presented to Restaurant A based on the calculated predicted transfer amount (step S202). Specifically, it determines the required amount (funding amount) described below, and the deduction rate/withdrawal completion period (repayment plan) according to the required amount.

The funding plan presentation unit 112 displays the content of the determined funding plan on the customer terminal 20 of Restaurant A (step S203). FIG. 5 is a diagram illustrating an example of a funding service screen displayed on the customer terminal 20. The customer can enter into a funding contract by performing a specified operation on the funding service screen.

The customer selects the required amount P1 and the deduction rate/withdrawal completion period P2 on the funding service screen and operates the decision button B1, thereby completing the funding contract with the selected details (step S204).

Figure 6 is a flowchart showing an example of the process for setting the required amount for a funding plan displayed on the funding service screen.

The funding plan presentation unit 112 calculates the predicted transfer amount for each of the first period (here, one month), second period (here, two months), and third period (here, three months) based on Restaurant A's predicted average monthly payment amount (step S301). For example, if the predicted average monthly payment amount is 200,000 yen, the predicted transfer amount for the first period is 200,000 yen, the predicted transfer amount for the second period is 400,000 yen, and the predicted transfer amount for the third period is 600,000 yen.

The funding plan presentation unit 112 obtains the maximum funding amount for Restaurant A from the customer information database 121 and determines whether the predicted transfer amount for the first period (here, 200,000 yen) is equal to or greater than the maximum funding amount (step S302). Here, the maximum funding amount for Restaurant A is assumed to be 1,000,000 yen.

If the predicted transfer amount for the first period is equal to or greater than the maximum funding amount (step S302: YES), the funding plan presentation unit 112 sets Restaurant A's maximum funding amount to the required amount (step S303).

On the other hand, if the predicted transfer amount for the first period is less than the maximum funding amount (step S302: NO), it is determined whether the predicted transfer amount for the second period (here, 400,000 yen) is equal to or greater than the maximum funding amount (step S304).

If the predicted transfer amount for the second period is equal to or greater than the maximum funding amount (step S304: YES), the funding plan presentation unit 112 sets the predicted transfer amount for the first period and the maximum funding amount to the required amount (step S305).

On the other hand, if the predicted transfer amount for the second period is less than the maximum funding amount (step S304: NO), it is determined whether the predicted transfer amount for the third period (here, 600,000 yen) is equal to or greater than the maximum funding amount (step S306).

If the forecasted transfer amount for the third period is equal to or greater than the maximum funding amount (step S306: YES), the funding plan presentation unit 112 sets the forecasted transfer amount for the first period, the forecasted transfer amount for the second period, and the maximum funding amount to the required amount (step S307).

On the other hand, if the predicted transfer amount for the third period is less than the maximum funding amount (step S306: NO), the funding plan presentation unit 112 sets the predicted transfer amount for the first period, the predicted transfer amount for the second period, and the predicted transfer amount for the third period to the required amount (step S308).

As shown in FIG. 5, the funding service screen displays the contents of the funding plan set by the funding management server 10. In FIG. 5, P1 is a display section (slider, etc.) showing options for the required amount. In the example shown in FIG. 5, three options are displayed, which correspond to the pattern in step S308: the predicted transfer amount for the first period (200,000 yen), the predicted transfer amount for the second period (400,000 yen), and the predicted transfer amount for the third period (600,000 yen). Note that when setting the required amount, the predicted transfer amount may be set to a round number as the required amount, or it may be left as the predicted transfer amount.

Figure 7 is a diagram illustrating an example of how to display the four patterns of required amounts described in the flowchart of Figure 6. In the diagram, (a) is the pattern corresponding to step S308 (when the predicted transfer amount for the third period is less than the maximum funding amount), and the predicted transfer amounts for the first period to the third period are displayed as options.

In the figure, (b) shows the pattern corresponding to step S307 (when the predicted transfer amount for the third period is equal to or greater than the maximum funding amount), and the predicted transfer amount for the first period (here, 400,000 yen), the predicted transfer amount for the second period (here, 800,000 yen), and the maximum funding amount (1,000,000 yen) are displayed as options.

In the figure, (c) is the pattern corresponding to step S305 (when the predicted transfer amount for the second period is equal to or greater than the maximum funding amount), and the predicted transfer amount for the first period (here, 500,000 yen) and the maximum funding amount (1,000,000 yen) are displayed as options.

In the figure, (d) is a pattern corresponding to step S303 (when the predicted transfer amount for the first period is equal to or greater than the maximum funding amount), in which only the maximum funding amount (1 million yen) is presented.

Next, the process of setting the deduction rate/completion period for the funding plan will be described using the flowchart in Figure 8. The deduction rate/completion period is the repayment rate (e.g., what percentage of the provided funds will be repaid per month) and the repayment period (e.g., how many months it will take to complete repayment) when the funded customer makes a repayment. In the funding service screen shown in Figure 5, P2 is a display section (slider, etc.) that shows the options for the deduction rate/completion period.

In this embodiment, the specific repayment method is assumed to be that when the monthly payment amount is transferred from the payment agency service management server 30 to Restaurant A, the repayment amount is deducted from the transferred amount.

The funding plan presentation unit 112 calculates the deduction rate/withdrawal completion period corresponding to the predicted transfer amount for the first period, the predicted transfer amount for the second period, and the predicted transfer amount for the third period calculated in step S301 (step S401). Two patterns of deduction rate/withdrawal completion period are calculated for each period: a "more/shorter" plan and a "little by little/longer" plan.

Furthermore, the funding plan presentation unit 112 displays the corresponding deduction rate/withdrawal completion period on the funding service screen based on the required amount selected by the customer on the funding service screen (step S402).

Figure 9 is a diagram illustrating display patterns of the withdrawal rate/withdrawal completion period according to the selected required amount. Figure 9(a) is an example of the display when the required amount for the first period (200,000 yen) is selected on the funding service screen. As shown in the figure, the "More/Shorter" plan presents a "90%" withdrawal rate (90% of the transferred amount is withdrawn and used for repayment) and completion in "one month," while the "Little by Little/Long" plan presents a "20%" withdrawal rate and completion in "five months."

Also, FIG. 9(b) is a display example when the required amount for the second period (400,000 yen) is selected on the funding service screen, and the "more/shorter" plan is presented as being completed in "2 months" with a "90%" withdrawal rate, while the "little by little/longer" plan is presented as being completed in "8 months" with a "25%" withdrawal rate. Similarly, FIG. 9(c) is a display example when the required amount for the third period (600,000 yen) is selected on the funding service screen, and the "more/shorter" plan is presented as being completed in "3 months" with a "90%" withdrawal rate, while the "little by little/longer" plan is presented as being completed in "10 months" with a "30%" withdrawal rate. In this way, two repayment plans are displayed according to the required amount, and the customer can select one of the plans.

When the customer selects the withdrawal rate/withdrawal completion period on the fund provision service screen, the estimated withdrawal completion month (estimated withdrawal completion time) is displayed (step S403), as shown in P3 in Fig. 5. The estimated withdrawal completion month is calculated by adding the number of days for withdrawal calculated by the following formula to the current date.
Withdrawal days = (required amount + service fee) / (projected transfer amount x withdrawal rate)

In the example of Figure 5, "90%/1 month" is selected, and "November 2020" is displayed as the estimated deduction completion month. On the other hand, if "20%/5 months" is selected, a date further in the future (for example, "June 2021") is displayed as the estimated deduction completion month.

Next, the display process of "Withdrawal amount" on the funding service screen will be explained using the flowchart in Figure 10. The Withdrawal amount is the display item shown as P4 in Figure 5, and shows an estimate of the actual deduction amount calculated based on the selected deduction rate/withdrawal completion period.

The funding plan presentation unit 112 calculates the estimated withdrawal amount by multiplying the average monthly transfer amount from the payment agency service management server 30 to the customer predicted in step S201 by the selected withdrawal rate (step S501). For example, if the transfer amount is 200,000 yen and the withdrawal rate/withdrawal completion period of "90%/1 month" is selected, the estimated withdrawal amount is calculated to be 200,000 yen.

Next, the funding plan presentation unit 112 determines whether the estimated withdrawal amount calculated in step S501 is equal to or greater than Restaurant A's maximum funding amount (here, 1 million yen) (step S502). If the estimated withdrawal amount is equal to or greater than the maximum funding amount (step S502: YES), the maximum funding amount plus the service fee is set as the withdrawal amount, and is displayed on the funding service screen (step S503). On the other hand, if the estimated withdrawal amount is less than the maximum funding amount (step S502: NO), the estimated withdrawal amount calculated in step S501 is set as the withdrawal amount, and is displayed on the funding service screen (step S504).

Figure 11 is a diagram showing an example of how to display the withdrawal amount. Figure 11(a) shows a case where the estimated withdrawal amount is less than the maximum funding amount, with the entire bar indicating the monthly transfer amount from the payment agency service management server 30 to the customer (200,000 yen in this example), and 90% of that amount (200,000 yen in this example) being the withdrawal amount. On the other hand, Figure 11(b) shows a case where the estimated withdrawal amount is equal to or greater than the maximum funding amount, with the entire bar indicating the monthly transfer amount from the payment agency service management server 30 to the customer (30 million yen in this example), and the withdrawal amount being 1,030,000 yen, which is the maximum withdrawal amount (1 million yen) plus the service usage fee (30,000 yen in this example).

Next, the flow of providing funds to a customer will be described with reference to the flowchart of FIG.
The funding processing unit 113 of the funding management server 10 obtains account information of the customer (restaurant A) providing funding and information on the contracted required amount from the customer information database 121 (step S601).

Furthermore, the funding processing unit 113 performs a process to deposit the required amount into the customer's registered account (step S602).

Next, we will use the flowchart in Figure 13 to explain the flow of the withdrawal process for a customer who has provided funds.

The funding processing unit 113 of the funding management server 10 obtains the actual transfer amount to the target customer (here, Restaurant A) from the payment agency service management server 30 for the deduction month (step S701). Furthermore, it calculates the current deduction amount by multiplying the transfer amount by the contracted deduction rate (step S702).

Next, the funding processing unit 113 determines whether the sum of the cumulative withdrawal amount up to the previous time and the current withdrawal amount exceeds the sum of the funding amount (contracted required amount) and the service usage fee (step S703).

If the sum of the accumulated withdrawal amount and the current withdrawal amount exceeds the sum of the funding amount and the service usage fee (step S703: YES), the current withdrawal amount is reset to the difference between the sum of the funding amount and the service usage fee and the accumulated withdrawal amount up to the previous time (step S704). Furthermore, the reset withdrawal amount is subtracted from the current transfer amount, and the remaining amount is transferred to the customer's account, and the funding contract is terminated (step S705).

On the other hand, if the total of the cumulative withdrawal amount and the current withdrawal amount is less than or equal to the total of the funding amount and the service usage fee (step S703: NO), the current withdrawal amount calculated in step S702 is subtracted from the current transfer amount, and the remaining amount is transferred to the customer's account (step S706).

As described above, according to this embodiment, the required amount (funding amount) is set based on the actual amount transferred from the payment agency system to the customer, and is presented on the funding service screen of the customer terminal 20. This allows an appropriate funding amount to be set through simple processing and presented to the customer.

In this embodiment, the funding amount is set based on the amount transferred from the payment agent system to the customer, but the funding amount can also be set based on any other information related to the customer, such as the store's annual sales amount, average monthly sales amount, or other store creditworthiness.

In addition, the maximum funding amount calculated taking into consideration the possibility of recovery from the customer is compared with the predicted transfer amount for the first to third periods (first period < second period < third period) calculated based on the actual transfer amount, and if the predicted transfer amount for any period is equal to or greater than the maximum funding amount, the maximum funding amount is included in the options for the required amount. In addition, the predicted transfer amount for a period in which the predicted transfer amount is less than the maximum funding amount is also included in the options for the required amount. Note that if the predicted transfer amount for any period is less than the maximum funding amount, the maximum funding amount is not included in the options, but the predicted transfer amount for each period is included in the options. By designing in this way, it is possible to present options for the required amount appropriate to the customer's actual situation with simple calculation processing.

The system also calculates the deduction rate and deduction completion period according to the required amount, and displays the corresponding deduction rate and deduction completion period on the screen according to the required amount selected by the customer on the screen. This allows the customer to select the required amount and immediately check the corresponding repayment plan. The screen also displays two options: a plan with a high deduction rate for short repayment periods, and a plan with a low deduction rate for long repayment periods. This allows the customer to select a deduction rate that suits their individual circumstances.

In addition, based on the selected required amount, the withdrawal rate, and the predicted monthly transfer amount, the estimated month for the withdrawal to be completed is calculated and displayed on the funding service screen. This allows the customer to check the specific estimated repayment schedule on the screen.

In addition, based on the selected required amount, the withdrawal rate, and the estimated monthly transfer amount, an estimate of the amount to be withdrawn in one transaction is calculated and displayed on the money provision service screen. This allows the customer to check the specific estimated amount to be withdrawn on the screen. If the amount to be withdrawn is more than the customer's maximum funding amount, the maximum funding amount plus the service fee is displayed as the maximum withdrawal amount.

The present invention is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the spirit of the present invention. Therefore, the above-described embodiment is merely illustrative in all respects and should not be interpreted in a restrictive manner. For example, the above-described processing steps can be arbitrarily changed in order or executed in parallel as long as no inconsistencies occur in the processing content.

Reference Signs List 1... Funding system 10... Funding management server 11... Control device 12... Storage device 20... Customer terminal 30... Payment agency service management server 111... Customer information acquisition unit 112... Funding plan presentation unit 113... Funding processing unit 121... Customer information database N... Communication network

Claims (10)

An information processing device,
An information processing device comprising a funding plan presentation unit which displays the required amount selectable by a customer based on a preset maximum funding amount and information about the customer. The information processing device according to claim 1, wherein the information about the customer is a predicted transfer amount calculated based on the amount transferred to the customer by the payment agency service. The funding plan presentation unit includes:
3. The information processing device according to claim 2, wherein when the predicted transfer amount in the first period is equal to or greater than the maximum funding amount, the maximum funding amount is displayed on the customer terminal as the required amount. The funding plan presentation unit includes:
An information processing device as described in claim 2 or 3, wherein when the predicted transfer amount in a first period is less than the maximum funding amount and the predicted transfer amount in a second period longer than the first period is equal to or greater than the maximum funding amount, an amount corresponding to the maximum funding amount and the predicted transfer amount in the first period is displayed on a customer terminal as the required amount. The funding plan presentation unit includes:
An information processing device as described in any one of claims 2 to 4, which compares predicted transfer amounts for multiple periods with the maximum funding amount, and if the predicted transfer amount for the longest period is less than the maximum funding amount, displays an amount corresponding to the predicted transfer amount for each period as the required amount on the customer terminal. The funding plan presentation unit includes:
Calculate the deduction rate and deduction completion period at the time of repayment corresponding to the required amount,
6. The information processing device according to claim 2, further comprising: displaying on the customer terminal a corresponding deduction rate and a deduction completion period in accordance with the selected required amount. The funding plan presentation unit includes:
7. An information processing device according to claim 6, which calculates a time when the withdrawal will be completed based on the required amount selected on the customer terminal, the withdrawal rate, and the predicted transfer amount, and displays the time when the withdrawal will be completed on the customer terminal as an indication of the time. The funding plan presentation unit includes:
7. An information processing device according to claim 6, which calculates a one-time withdrawal amount based on the required amount selected on said customer terminal, said withdrawal rate, and said predicted transfer amount, and displays this on said customer terminal as a guideline for the withdrawal amount. 1. An information processing method, comprising:
An information processing method including a step of displaying a required amount selectable by a customer based on a preset maximum funding amount and information about the customer. Computer,
A program that functions as a funding plan presenting unit that displays the required amount selectable by the customer based on a preset maximum funding amount and information about the customer.

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