JP2024067879A - Information processing system and information processing method - Google Patents

Abstract

To provide a mechanism that can improve convenience for a user using an EC site and can prevent problems for an EC site operation side.SOLUTION: The information processing system comprises settlement method acceptance means for accepting the choice of a deferred payment or borrowing as a settlement method when a user makes an online payment, and job offer information notification means for performing notification about job offer information when the settlement method of deferred payment or borrowing is accepted.SELECTED DRAWING: Figure 3

Description

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

As the use of e-commerce sites such as online shopping expands, cashless payment methods are becoming more diverse, and there is a demand for improved safety and convenience (for example, Patent Document 1).

JP 2006-172492 A

However, as in Patent Document 1, a system that is not only safe and convenient for users of EC sites, but also reduces the occurrence of payment problems for businesses operating EC sites, was needed.

One of the objectives of the present invention is to provide a mechanism that improves the convenience of users of EC sites while preventing problems for the operators of the EC sites.

An information processing system according to one embodiment of the present invention includes a payment method receiving means for receiving a selection of deferred payment or borrowing as a payment method when a user makes an online payment, and a job information notification means for notifying a user of job information when a payment method of deferred payment or borrowing is received.

The present invention makes it possible to provide a mechanism that improves the convenience of users of EC sites and prevents problems for the operators of the EC sites.

1 is a diagram showing a configuration of an information processing system 1 according to an embodiment of the present invention. FIG. 2 is a diagram showing a functional configuration of an information processing server 10 according to an embodiment of the present invention. 4 is a flowchart showing a flow of processing by the information processing system 1 according to the embodiment of the present invention. 1 is a diagram illustrating a method for notifying job information by the information processing system 1 according to an embodiment of the present invention.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.
Fig. 1 is a diagram showing a configuration of an information processing system 1 according to the present embodiment. As shown in Fig. 1, the information processing system 1 includes an information processing server 10 and a user terminal 20. The information processing server 10 and the user terminal 20 are connected via a communication network N. The communication network N may be, for example, the Internet, a LAN, a dedicated line, a telephone line, an in-house network, a mobile communication network, Bluetooth (registered trademark), WiFi (Wireless Fidelity), other communication lines, or a combination thereof, and may be either wired or wireless.

The information processing server 10 is a server that provides a cashless payment service to a user. The information processing 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 information processing server 10 comprises a control device (processor) 11 and a storage device 12. The control device 11 comprises, as hardware, 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 or the like. The storage device 12 is a hard disk drive or the like.

Figure 2 is a block diagram showing functional modules that are realized when the CPU of the control device 11 executes a program stored in a ROM or the like. As shown in Figure 2, the functional modules include a payment method acceptance unit (payment method acceptance means) 111, a job information notification unit (job information notification means) 112, a point granting unit (point granting means) 113, a payment unit (payment means) 114, a balance receiving unit (balance receiving means) 115, and a job acceptance unit (job acceptance means) 116.

The storage device 12 stores a payment information management table 121. The payment information management table 121 stores information about the usage status of the cashless payment service for each user. Specifically, for example, information such as the user account, payment method, payment date, amount, and payee is registered in one record. In addition, information on points linked to the user account is stored. Payment methods include lump sum, installment payment, deferred payment, borrowing, etc., and can be selected by the user when making a payment. In addition, if the user selects deferred payment or borrowing, job information is notified as described below. When a user applies for a job, the payment amount is deducted from the remuneration earned from work, so information such as whether or not the remuneration is deducted is also recorded.

The user terminal 20 is a mobile terminal used by a user who utilizes the cashless payment service, and may be any terminal device capable of transmitting and receiving data to and from the information processing server 10 via the communication network N, such as a smartphone, tablet terminal, or notebook PC (Personal Computer). As shown in FIG. 1, the user terminal 20 includes a processor 21, an input device 22 such as various operation buttons or a touch panel, a display device 23 such as a liquid crystal display, a communication interface 24 for connecting to the communication network N, and a storage resource 25 such as a disk drive or semiconductor memory (ROM, RAM, etc.).

FIG. 3 is a flowchart showing a process flow by the information processing system 1.
When a user uses the user terminal 20 to shop, for example, at an online shopping site, the user pays using a cashless payment service (step S101).

When the user makes a payment, the payment method reception unit 111 receives the user's selection of the payment method (step S102). In this case, "deferred payment" is selected as the payment method. If deferred payment is selected, the payment due date (payment date) is set. The information processing server 10 registers a record of the use of the new payment service in the payment information management table 121.

When the payment method for the current use of the settlement service is "deferred payment" or "loan" (not same-day payment) (step S103: YES), the job information notification unit 112 of the information processing server 10 notifies the user terminal 20 of the job information (step S104). The job information may be stored in the storage device 12, or may be obtained from an external database. The notification method may be sending an email containing a link to the job information to the email address of the user terminal 20, or displaying a message M in a pop-up or the like as shown in FIG. 4. The message may also include a statement that the current payment amount will be deducted from the remuneration obtained from the work. The user may also be able to select whether or not to deduct the amount from the remuneration.

The job information notification unit 112 may select the job information to notify based on the payment amount and payment due date. For example, it may extract and notify information on a one-off part-time job in which remuneration equal to or exceeds the amount to be paid by the payment due date.

The timing of notification of job information may be immediately after using the payment service, or may be a certain period of time (e.g., two weeks) before the payment date.

When the user applies for the notified job information (step S105: YES), the point allocation unit 113 of the information processing server 10 allocates points to the user (step S106). Note that points may be allocated only when it is the first time that the user applies for a job information item.

When a user who applied for a job posting works and receives compensation, the settlement unit 114 deducts the planned payment amount from the compensation, and deposits any remaining amount into the user's account (step S107). If the user selects to receive the remaining amount of compensation in points, the remaining amount receiving unit 115 may grant the remaining amount in points. When the user receives the remaining amount in points, the user may be able to receive a premium over the actual amount. For example, if a user works and earns 50,000 yen in compensation and 10,000 yen is deducted as payment, and the remaining amount of 40,000 yen is received in points, 44,000 yen (10% more) in points may be granted.

The job reception unit 116 may receive, for each job posting, from the company or other entity that has posted the job (the employer) whether or not to notify users who have selected deferred payment or borrowing of the job posting. The job posting notification unit 112 can notify users of only the job postings for which notification has been selected.

As described above, according to this embodiment, if a user selects deferred payment or borrowing when using a cashless payment service on an EC site, job information is picked up and notified to the user terminal 20. This improves user convenience and also prevents problems such as non-payment for EC site businesses. It also has the advantage for companies posting jobs that they can expect a high probability of applicants.

In addition, by allowing users to select job information based on the amount they have to pay, it is possible to provide useful information to users and also to increase the likelihood that users will apply for a job.

Job information may also be notified a few days (e.g., one week) before the payment date. This increases the likelihood that users will apply for the job, compared to when there is a long period until the payment date or when the information is notified immediately before the payment date.

In addition, if a user applies for a job that has been notified to them, points that are linked to the user's account are awarded, encouraging users to apply.

In addition, the rewards that users receive from applying for jobs are automatically applied to payments, ensuring that e-commerce site operators can reliably collect their fees.

It may also be possible for a user to receive the remaining amount, after deducting the payment amount from the reward earned by applying for a job, in the form of points. In this case, the user may receive a premium over the actual amount. This not only ensures that payment is made, but also provides the user with the benefit of being able to accumulate points, motivating them to apply for jobs.

In addition, the company or other entity that posted the job may be allowed to choose whether or not to send the job information to users who have selected deferred payment or borrowing. This allows the employer to control how the job information is sent out as necessary.

1... Information processing system 10... Information processing server 11... Control device 12... Storage device 20... User terminal 21... Processor 22... Input device 23... Display device 24... Communication interface 25... Storage resource 111... Payment method acceptance unit 112... Job information notification unit 113... Points assignment unit 114... Payment unit 115... Balance receipt unit 116... Job acceptance unit 121... Payment information management table N... Communication network

Claims (8)

A payment method acceptance means for accepting a selection of "pay later" or "borrow" as a payment method when a user makes an online payment;
The information processing system includes a job information notification means for notifying job information when a payment method of deferred payment or borrowing is accepted. The job information notification means includes:
The information processing system according to claim 1 , wherein job information corresponding to the amount of the payment is notified. The job information notification means includes:
The information processing system according to claim 1 , wherein the timing of notifying the job information is determined based on a payment date of the settlement. The information processing system according to claim 1, further comprising a point granting means for granting points associated with the user's account when the user applies for a job. The information processing system according to claim 1, further comprising a payment means for using the remuneration, when the user applies for a job and receives the remuneration, for a deferred payment or for the payment of a loan. The information processing system according to claim 5, further comprising a remaining amount receiving means for giving the remaining amount, which is obtained by subtracting the payment amount from the reward obtained by the user, in the form of points linked to the user's account. Equipped with a job offer acceptance means for accepting job offer information from job offerers,
The job offer receiving means includes:
2. The information processing system according to claim 1, further comprising: a request for notification of job information to a user who has selected deferred payment or borrowing from the recruiting party. An information processing method comprising: a step of a processor accepting a selection of deferred payment or borrowing as a payment method when making an online payment; and a step of providing job information corresponding to the amount and/or payment due date of the payment when the processor accepts the deferred payment or borrowing payment method.

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