JP6982208B1 - Information processing equipment, information processing methods, and information processing programs - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information processing device, an information processing method, and an information processing program capable of eliminating the need for a user to select a payment method. An information processing apparatus according to an embodiment has a selection unit. When paying the price, the selection unit selects the payment method of the price from the immediate payment and the postpayment, which are paid from the charge balance of the electronic money, according to the user's situation. The selection unit selects a payment method according to the payment amount. The selection unit selects a payment method according to the type of member store to which the payment is made. [Selection diagram] Fig. 1

Description

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

Conventionally, an electronic payment service that pays a price using electronic money such as electronic money or virtual currency is known. For example, as a kind of electronic payment service, a method of making a payment by displaying or reading a two-dimensional code or the like using a terminal device carried by a user (for example, smartphone payment) is known.

In the electronic payment service, it is common to let the user select the payment method of the price from immediate payment and postpay at the time of payment.

Japanese Patent No. 6513861

However, it is troublesome for the user to select the payment method every time the electronic payment service is used.

One embodiment of the embodiment is made in view of the above, and provides an information processing device, an information processing method, and an information processing program that can save the user the trouble of selecting a payment method. The purpose.

The information processing apparatus according to one embodiment has a selection unit. At the time of payment of the price, the selection unit selects the payment method of the price from the immediate payment and the postpayment, which are paid from the charge balance of the electronic money, according to the situation of the user.

According to one aspect of the embodiment, it is possible to provide an information processing device, an information processing method, and an information processing program that can eliminate the need for a user to select a payment method.

FIG. 1 is a diagram showing an outline of an information processing method according to an embodiment. FIG. 2 is a diagram showing a configuration example of the information processing apparatus according to the embodiment. FIG. 3 is a diagram showing an example of user information according to the embodiment. FIG. 4 is a flowchart showing an example of payment processing executed by the control unit of the information processing apparatus according to the embodiment. FIG. 5 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing apparatus according to the embodiment. FIG. 6 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing apparatus according to the embodiment. FIG. 7 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing apparatus according to the embodiment. FIG. 8 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing apparatus according to the embodiment. FIG. 9 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing apparatus according to the embodiment. FIG. 10 is a flowchart showing an example of payment method selection processing executed by the control unit of the information processing apparatus according to the embodiment. FIG. 11 is a flowchart showing an example of payment method selection settlement processing executed by the control unit of the information processing apparatus according to the embodiment. FIG. 12 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing apparatus according to the embodiment.

Hereinafter, an information processing apparatus, an information processing method, and an embodiment for implementing an information processing program (hereinafter, referred to as “embodiments”) according to the present application will be described in detail with reference to the drawings. Note that this embodiment does not limit the information processing apparatus, information processing method, and information processing program according to the present application. Further, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate description will be omitted.

[1. Information processing method overview]
FIG. 1 is a diagram showing an outline of an information processing method according to an embodiment. The information processing device according to the embodiment is, for example, a device that provides an electronic payment service in which the price of a product purchased by a user or a service used is paid by an immediate payment or a postpaid payment method.

Immediate payment is a payment method in which payment is made on the spot from the charge balance of electronic money pre-charged by the user. The deferred payment is a payment method in which the operator of the electronic payment service pays the price and then withdraws the price from the bank account of the user registered in advance to collect the price.

After-payment is convenient for users because interest is added to the payment amount, but it is possible to purchase products and use services even if you do not have cash or your charge balance is insufficient. It is a payment method.

On the other hand, for a business operator that provides an electronic payment service, while it is possible to obtain a profit from interest, there is also a risk that the payment cannot be collected due to the delinquency of the payment amount. In the electronic payment service, it is common to let the user select the payment method of the price from immediate payment and postpay at the time of payment.

However, it is troublesome for the user to select the payment method every time the electronic payment service is used. Therefore, the information processing apparatus according to the embodiment eliminates the need for the user to select a payment method by the information processing method shown in FIG.

Specifically, when the user 11 uses or purchases a payment target such as various products or services, the payment is pre-installed on his / her mobile terminal device (hereinafter referred to as "user terminal 12"). Start the application (application program).

Then, as shown in FIG. 1, the user 11 uses the payment application to read the store code (for example, QR code (registered trademark)) 13 for electronic payment installed in the store by the user terminal 12 (step). S1), input the price (step S2).

The store code 13 includes identification information that identifies the store. The store code 13 is not limited to the QR code, but may be a barcode, a predetermined mark, a number, or the like (that is, a predetermined code). After that, the user terminal 12 transmits the payment information including the store identification information and the payment amount information to the information processing device 1 (step S3).

Upon receiving the payment information, the information processing apparatus 1 selects a payment method from immediate payment and postpay according to the situation of the user 11 at that time (step S4). For example, the information processing apparatus 1 selects a payment method according to the situation of the user 11, such as the price paid by the user 11, the member store using the electronic payment service, the postpaid balance, the charge balance of electronic money, and the balance of the bank account. do.

At this time, when the received payment information includes the payment method designation information or the payment method change information, the information processing apparatus 1 selects the payment method according to the designated information or the change information. When the received payment information does not include the payment method designation information or the payment method change information, the information processing apparatus 1 automatically selects the payment method according to the situation of the user 11. As a result, the information processing apparatus 1 can select the payment method without making the user 11 aware of the selection of the payment method.

Then, the information processing apparatus 1 performs payment processing by the selected payment method (step S5), and when the payment processing is completed, sends a payment completion notification to the user terminal 12. (Step S6). In this way, when the information processing device 1 receives the payment information from the user terminal 12, the information processing device 1 automatically selects the payment method according to the situation of the user 11 and performs the payment process. Therefore, the user selects the payment method. Can be eliminated.

The payment process performed by the information processing device 1 is not limited to the above-mentioned process. For example, the payment process performed by the information processing device 1 may be performed by using a store terminal installed in the store. In this case, the user terminal 12 of the user 11 displays the user ID for identifying the user 11 on the screen. The store owner terminal installed in the store reads the user ID displayed on the user terminal 12, and transmits the user ID, the payment amount, and the payment information indicating the store identification information to the information processing device 1. The information processing device 1 deposits the price from the charge balance of the user 11 indicated by the user ID or the bank account to the silver account of the store, and sends the store terminal or the user terminal 12 a screen indicating that the payment is completed or a predetermined screen. By outputting the voice, it notifies that the payment has been made.

Further, the payment using the user terminal 12 of the user 11 is not limited to the payment to the actual store, and may be, for example, the payment to the transaction target in the electronic commerce service (that is, the online payment). In this case, for example, the user terminal 12 transmits the user ID that identifies the user 11, the store identification information, and the payment information indicating the price (settlement amount) of the transaction target to the information processing device 1. The information processing device 1 deposits the payment amount from the bank account of the user 11 indicated by the user ID to the bank account of the store indicated by the store identification information, and displays a screen indicating that the payment has been completed to the user terminal 12 or a predetermined value. By outputting the voice, it is notified that the payment has been made.

[2. Information processing device configuration]
Next, a configuration example of the information processing apparatus 1 will be described with reference to FIG. FIG. 2 is a diagram showing a configuration example of the information processing apparatus according to the embodiment. The information processing apparatus 1 according to the embodiment is connected to the user terminal 12, the store terminal 100, and the bank server 200 via the communication network N so as to be able to communicate with each other by wire or wirelessly.

The communication network N is, for example, a WAN (Wide Area Network) such as the Internet. Although not shown here, the information processing apparatus 1 is connected to a plurality of user terminals 12, a plurality of store terminals 100, and a plurality of bank servers 200.

The user terminal 12 is a device used by the user 11. The user terminal 12 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. The user terminal 12 displays the information distributed by the information processing device 1 by a web browser or an application.

Further, when the user terminal 12 receives the control information for realizing the predetermined information processing from the information processing apparatus 1, the user terminal 12 realizes the information processing according to the control information. Here, the control information is, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a mark such as HTML (HyperText Markup Language). It is described in an up language or the like. The predetermined application itself distributed from the information processing device 1 may be regarded as control information.

The store terminal 100 is a terminal device installed in a member store of the electronic payment service according to the embodiment. The store terminal 100 is, for example, a device that reads a user ID when a user 11 who has purchased a product or used a service at a store displays his / her own user ID on the user terminal 12 and presents the user ID. The store terminal 100 transmits payment information including the read user ID and the amount of the price of the product or service to the information processing device 1.

The bank server 200 is a device belonging to a bank that manages the bank account of the user 11. The bank server 200 is realized by a server device, a cloud system, or the like. For example, the bank server 200 may use information on the withdrawal from the bank account by each card company or various service providers (such as the amount of withdrawal and the date and time of withdrawal) and the current account information (withdrawal amount, date and time, etc.) as the usage history of the bank account. Account balance, etc.) is managed in association with the user 11.

The information processing device 1 is realized by a server device, a cloud system, or the like. For example, the information processing apparatus 1 provides an electronic payment service related to electronic payment performed by displaying or reading a predetermined code using the user terminal 12 of the user 11. For example, the information processing device 1 manages the charge balance of the electronic money owned by the user 11, and transfers the electronic money from the charge balance to the bank account of the user store according to the payment information from the user 11. , Realize various payments for immediate payment. Further, the information processing device 1 pays the price to the bank account of the user store according to the payment information from the user 11, and then withdraws the price from the user's bank account or charge balance on the predetermined withdrawal date to realize the postpaid payment. ..

The electronic money may be, for example, points or currencies independently used by various companies, or may be money provided by the state such as Japanese yen or dollars that can be electronically traded. good. The information processing device 1 has a communication unit 10, a storage unit 20, and a control unit 30.

(Communication department)
The communication unit 10 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 10 transmits / receives information by wire or wirelessly to / from the user terminal 12, the store terminal 100, the bank server 200, etc. via the communication network N.

(Memory)
The storage unit 20 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. The storage unit 20 stores the user information 21.

(User information)
FIG. 3 is a diagram showing an example of user information according to the embodiment. As shown in FIG. 3, the user information 21 is, for example, for each user ID, a pay date, a use date of an electronic payment service, a store used, a deposit / withdrawal amount, a payment method, a charge balance, a cashback rate, and a cumulative postpayment. Includes information associated with balances, bank account balances, and postpay limits.

The user ID is the identification information of each user 11. The payday is the day when the salary of each user 11 is transferred. The usage date is the date on which each user 11 uses the electronic payment service to charge or pay the price of electronic money. The user store is a member store in which each user 11 uses an electronic payment service to purchase a product or use a service, or a bank used by each user to charge electronic money or pay a price. The payment method is information indicating whether each user 11 has made a payment by immediate payment or a payment by postpay.

The charge balance is the balance of electronic money at the time when each user 11 uses the electronic payment service. The cashback rate is the ratio of electronic money cashed back to the user 11 to the amount of the payment price. The postpaid cumulative balance is the cumulative amount of the postpaid amount that has not been deducted from the user 11's bank account or charge balance. The bank account is the balance of the bank account pre-registered by the user 11 for withdrawal of payment or charging of electronic money. The deferred payment upper limit is the upper limit of the cumulative balance that allows the user 11 to make a deferred payment.

(Control unit)
The control unit 30 is a controller, and for example, various programs stored in a storage device inside the information processing device 1 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like have a RAM as a work area. It is realized by executing as. Further, the control unit 30 may be realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 30 according to the embodiment has an acquisition unit 31, a selection unit 32, and a settlement processing unit 33, and realizes or executes the functions and operations of information processing described below.

(Acquisition department)
The acquisition unit 31 receives and acquires payment information (see FIG. 1) from the user terminal 12 or the store terminal 100. The payment information includes information such as a user ID, a date of use of the electronic payment service, a store used, a payment amount, and a cashback rate. The acquisition unit 31 stores the acquired payment information in the storage unit 20 and updates the user information 21.

Further, when the acquisition unit 31 acquires the payment information from the user terminal 12 of the user 11, the acquisition unit 31 acquires the balance of the bank account of the user 11 from the bank server 200, stores it in the storage unit 20, and updates the user information 21.

(Selection section)
When the payment information is acquired by the acquisition unit 31, the selection unit 32 charges the payment method with electronic money according to the situation of the user 11 at the time of payment based on the user information 21 of the user who transmitted the payment information. Choose between immediate payment and postpay from your balance.

For example, the selection unit 32 selects a payment method according to the price. The selection unit 32 selects postpay if the price is equal to or greater than the predetermined amount, and selects immediate payment if the price is less than the predetermined amount. The predetermined amount here may be set to a uniform amount for all users 11, may be set in advance by the user 11, or may be set for each user 11.

Further, for example, the selection unit 32 selects a payment method according to the type of member store to which the price is paid. The selection unit 32 selects postpay if it is a member store (luxury store) that handles relatively high-priced products such as luxury brand products. The selection unit 32 selects immediate payment if it is a member store (other than a high-end store) that handles relatively low-priced products such as convenience stores. The selection unit 32 may determine the type according to the category of the member store. In this case, the selection unit 32 selects postpay for, for example, an electric appliance store, an apparel shop, etc., and selects immediate payment for a convenience store, a restaurant, or the like.

Further, for example, the selection unit 32 selects a payment method according to the customer unit price. In this case, the selection unit 32 selects postpay if the customer unit price is a predetermined amount (for example, 10,000 yen) or more, and immediately pays if the customer unit price is less than the predetermined amount (for example, 10,000 yen). select. Further, for example, the selection unit 32 selects postpay for a member store in which the ratio of the user 11 who uses the postpay is higher than the ratio of the user 11 who uses the immediate payment, and the ratio of the user 11 who uses the immediate payment is , You can also choose postpay for merchants that are higher than the percentage of users 11 who use postpay.

Further, for example, the selection unit 32 selects a payment method according to the cumulative postpaid balance of the user 11. The selection unit 32 selects postpay if the cumulative postpaid balance has not reached the upper limit of postpay, and selects immediate payment if the cumulative balance of postpay has reached the upper limit of postpay. The upper limit frame here may be set, for example, a uniform amount for all users 11, may be set in advance by the user 11, or may be set for each user 11.

Further, for example, the selection unit 32 selects a payment method according to the charge balance of the electronic money. The selection unit 32 selects postpay if the price is higher than the charge balance, and selects immediate payment if the price is less than or equal to the charge balance.

Further, for example, the selection unit 32 selects a payment method according to the balance of the bank account for depositing electronic money into the charge account of the user 11. The selection unit 32 selects postpay if the balance of the bank account is equal to or less than the predetermined amount, and selects immediate payment if the balance of the bank account is greater than the predetermined amount. The predetermined amount here may be set to a uniform amount for all users 11, may be set in advance by the user 11, or may be set for each user 11.

Further, for example, the selection unit 32 selects a payment method according to the privilege given to the user for payment. The selection unit 32 selects postpay if the postpay has more benefits than the immediate payment, and selects immediate payment if the postpay has more benefits than the immediate payment. For example, the selection unit 32 selects postpay if the postpay has a higher cashback rate than the immediate payment, and selects immediate payment if the postpay has a higher cashback rate than the immediate payment.

Further, for example, the selection unit 32 selects a payment method according to the number of days from the time of payment of money to the payday of the user 11. The selection unit 32 selects postpay if the number of days until the payday is less than or equal to the predetermined number of days, and selects immediate payment if the number of days until the payday is greater than the predetermined number of days.

(Payment processing department)
The payment processing unit 33 performs payment processing by the payment method determined by the selection unit 32. After that, when the payment processing is completed, the payment processing unit 33 transmits a payment completion notification to the user terminal 12 and the store terminal 100.

[3. Payment processing]
Next, with reference to FIG. 4, an example of the settlement process executed by the control unit 30 of the information processing apparatus 1 according to the embodiment will be described. FIG. 4 is a flowchart showing an example of payment processing executed by the information processing apparatus according to the embodiment.

As shown in FIG. 4, the control unit 30 first determines whether or not payment information has been received from the user terminal 12 or the store terminal 100 (step S101). When the control unit 30 determines that the payment information is not received (steps S101, No), the control unit 30 repeats the determination process of step S101 until the payment process is received.

Then, when the control unit 30 determines that the payment information has been received (step S101, Yes), the payment method selects the payment method from the charge balance of the electronic money from the immediate payment and the postpayment according to the user's situation. The method selection process is executed (step S102). A specific example of the payment method selection process will be described later with reference to FIGS. 5 to 11.

After that, the control unit 30 performs a payment process using the payment method selected by the payment method selection process (step S103), and when the payment process is completed, sends a payment completion notification to the user terminal 12 and the store terminal 100 (step S104). , End the process. After that, the control unit 30 restarts the process from step S101.

[4. Payment method selection process]
Next, the payment method selection process executed by the control unit of the information processing apparatus according to the embodiment will be described with reference to FIGS. 4 to 11. 4 to 11 are flowcharts showing an example of payment method selection processing executed by the control unit of the information processing apparatus according to the embodiment.

When the control unit 30 receives the payment information, the control unit 30 executes any one of the payment method selection payment processes shown in FIGS. 4 to 11. For example, as shown in FIG. 5, the control unit 30 determines whether or not the price is equal to or greater than a predetermined amount (step S201).

Then, when the control unit 30 determines that the price is equal to or greater than the predetermined amount (step S201, Yes), the control unit 30 selects postpay (step S202) and shifts the process to step S103 shown in FIG. Further, when the control unit 30 determines that the price is not equal to or more than the predetermined amount (step S201, No), the control unit 30 selects immediate payment (step S203), and shifts the process to step S103 shown in FIG.

Further, for example, as shown in FIG. 6, the control unit 30 determines whether or not the store used is a high-end store (step S301). Then, when the control unit 30 determines that the store used is a high-class store (step S301, Yes), the control unit 30 selects postpay (step S302) and shifts the process to step S103 shown in FIG. Further, when the control unit 30 determines that the store used is not a high-end store (step S301, No), the control unit 30 selects immediate payment (step S303), and shifts the process to step S103 shown in FIG.

Further, for example, as shown in FIG. 7, the control unit 30 determines whether or not the cumulative balance of postpaid is less than the upper limit frame (step S401). Then, when the control unit 30 determines that the cumulative balance of the postpaid is less than the upper limit frame (step S401, Yes), the control unit 30 selects the postpaid (step S402) and shifts the process to step S103 shown in FIG. Further, when the control unit 30 determines that the cumulative balance of the postpaid is not less than the upper limit, that is, the cumulative balance of the postpaid has reached the upper limit (step S401, No), the control unit 30 selects immediate payment (step S403). The process is transferred to step S103 shown in FIG.

Further, for example, as shown in FIG. 8, the control unit 30 determines whether or not the price is larger than the charge balance of the electronic money (step S501). Then, when the control unit 30 determines that the price is higher than the charge balance of the electronic money (steps S501 and Yes), the control unit 30 selects postpay (step S502) and shifts the process to step S103 shown in FIG. Further, when the control unit 30 determines that the price is equal to or less than the charge balance of the electronic money (steps S501 and No), it selects immediate payment (step S503) and shifts the process to step S103 shown in FIG.

Further, for example, as shown in FIG. 9, the control unit 30 determines whether or not the bank account balance of the user 11 is equal to or less than a predetermined amount (step S601). Then, when the control unit 30 determines that the bank account balance of the user 11 is equal to or less than a predetermined amount (steps S601 and Yes), the control unit 30 selects postpay (step S602) and shifts the process to step S103 shown in FIG. Further, when the control unit 30 determines that the bank account balance of the user 11 is not equal to or less than a predetermined amount (steps S601 and No), the control unit 30 selects immediate payment (step S603) and shifts the process to step S103 shown in FIG.

Further, for example, as shown in FIG. 10, the control unit 30 determines whether or not the postpay is more privileged to the user 11 (step S701). Then, when the control unit 30 determines that the postpay is more privileged to the user 11 (steps S701 and Yes), the control unit 30 selects the postpay (step S702) and shifts the process to step S103 shown in FIG. .. Further, when the control unit 30 determines that the postpay is not given more benefits to the user 11 (steps S701 and No), the control unit 30 selects immediate payment (step S703) and processes the process in step S103 shown in FIG. Move to.

Further, for example, as shown in FIG. 11, the control unit 30 determines whether or not the number of days until the payday of the user 11 is equal to or less than a predetermined number of days (step S801). Then, when the control unit 30 determines that the number of days until the payday is equal to or less than the predetermined number of days (steps S801 and Yes), the control unit 30 selects postpay (step S802) and shifts the process to step S103 shown in FIG. Further, when the control unit 30 determines that the number of days until the payday is not less than or equal to the predetermined number of days (steps S801 and No), it selects immediate payment (step S803) and shifts the process to step S103 shown in FIG.

[5. Modification example]
The above embodiment is an example, and various modifications and applications are possible. For example, among the processes described in the above embodiment, all or part of the processes described as being automatically performed can be manually performed, and conversely, the processes described as being manually performed. It is also possible to automatically perform all or part of the above by a known method. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown in the figure.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of them may be functionally or physically distributed / physically in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

[6. effect]
As described above, the information processing apparatus 1 according to the embodiment has a selection unit 32. At the time of payment of the price, the selection unit 32 selects the payment method of the price from the immediate payment and the postpayment, which are paid from the charge balance of the electronic money, according to the situation of the user 11. As a result, the information processing apparatus 1 can eliminate the need for the user 11 to select a payment method.

The selection unit 32 selects a payment method according to the price. As a result, the selection unit 32 can eliminate the need for the user 11 to select a payment method by automatically selecting postpay, for example, when the price is relatively high and immediate payment is difficult. Further, the selection unit 32 can eliminate the need for the user 11 to select a payment method by automatically selecting immediate payment, for example, when the price is relatively low and postpayment is unnecessary.

Further, the selection unit 32 selects a payment method according to the type of the member store to which the price is paid. As a result, the selection unit 32 eliminates the need for the user 11 to select a payment method by automatically selecting post-payment when, for example, the store used is a high-end store and immediate payment of the price is difficult. be able to. Further, the selection unit 32 automatically selects the immediate payment when the store used is a convenience store or the like and the immediate payment of the price is possible, thereby eliminating the need for the user 11 to select the payment method. be able to.

Further, the selection unit 32 selects a payment method according to the cumulative balance of postpaid payments by the user. As a result, the selection unit 32 automatically selects immediate payment when, for example, the cumulative balance of postpayment reaches the upper limit and postpayment is impossible, thereby eliminating the need for the user 11 to select a payment method. be able to. Further, the selection unit 32 can eliminate the need for the user 11 to select the payment method by automatically selecting the postpayment when the cumulative postpayment balance has not reached the upper limit and the postpayment is possible. ..

Further, the selection unit 32 selects a payment method according to the charge balance. As a result, the selection unit 32 can eliminate the need for the user 11 to select a payment method by automatically selecting postpay, for example, when the charge balance is insufficient and immediate payment is not possible. .. Further, for example, when the charge balance is not insufficient and the immediate payment is possible, the selection unit 32 automatically selects the immediate payment, thereby eliminating the need for the user 11 to select the payment method. can.

Further, the selection unit 32 selects a payment method according to the balance of the bank account for depositing electronic money into the charge account of the user 11. As a result, the selection unit 32 can eliminate the need for the user 11 to select a payment method by automatically selecting postpay, for example, when the balance of the bank account is small and there is no financial margin. .. Further, the selection unit 32 can eliminate the need for the user 11 to select a payment method by automatically selecting immediate payment when the balance of the bank account is large and there is an economic margin.

Further, the selection unit 32 selects a payment method according to the privilege given to the user 11 for payment. Thereby, the selection unit 32 can automatically select, for example, the payment method to which the user 11 is given more benefits.

Further, the selection unit 32 selects a payment method according to the number of days from the time of payment of the price to the payday of the user. As a result, the selection unit 32 can eliminate the need for the user 11 to select the payment method by automatically selecting the postpayment, for example, when there is no financial margin before the payday. Further, the selection unit 32 can eliminate the need for the user 11 to select a payment method by automatically selecting immediate payment, for example, when there is an economical margin after the payday.

[7. Hardware configuration]
Further, the information processing apparatus 1 according to the above-described embodiment is realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the information processing apparatus 1 will be described as an example. FIG. 10 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing apparatus according to the embodiment. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400, and controls each part. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the communication network N of the embodiment) and sends the data to the CPU 1100, and also receives data generated by the CPU 1100 via the communication network 500. Send to the device of.

The CPU 1100 controls an output device such as a display or a printer, and an input device such as a keyboard or a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1200. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1200 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable Disk), a magneto-optical recording medium such as MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

For example, when the computer 1000 functions as the information processing apparatus 1, the CPU 1100 of the computer 1000 realizes the function of the control unit 30 by executing a program loaded on the RAM 1200. Further, the HDD 1400 stores each data in the storage device of the information processing device 1. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via a predetermined communication network.

[8. others]
Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to carry out the present invention in other modified forms.

Further, the configuration of the above-mentioned information processing device 1 can be flexibly changed, such as by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function.

Further, the "part" described in the claims can be read as "means" or "circuit". For example, the reception unit can be read as a reception means or a reception circuit.

1 Information processing device 10 Communication unit 11 User 12 User terminal 13 Store code 20 Storage unit 21 User information 30 Control unit 31 Acquisition unit 32 Selection unit 33 Payment processing unit 100 Store terminal 200 Bank server

Claims (6)

At the time of payment of the price, the payment method of the price have a selection unit for selecting from the immediate payment to pay from the charge balance of the electronic money and the deferred payment in accordance with the situation of the user,
The selection unit is
An information processing device characterized in that the payment method is selected according to the balance of a bank account for depositing electronic money into the user's charge account. At the time of payment of the price, the payment method of the price have a selection unit for selecting from the immediate payment to pay from the charge balance of the electronic money and the deferred payment in accordance with the situation of the user,
The selection unit is
An information processing apparatus characterized in that the payment method is selected according to the number of days from the time of payment of the price to the payday of the user. It is an information processing method executed by a computer.
At the time of payment of the price, the payment method of the price only contains a selection step of selecting from an immediate payment to pay from the charge balance of the electronic money and the deferred payment in accordance with the situation of the user,
The selection step is
An information processing method comprising selecting the payment method according to the balance of a bank account for depositing electronic money into the user's charge account. It is an information processing method executed by a computer.
At the time of payment of the price, the payment method of the price only contains a selection step of selecting from an immediate payment to pay from the charge balance of the electronic money and the deferred payment in accordance with the situation of the user,
The selection step is
An information processing method comprising selecting the payment method according to the number of days from the time of payment of the price to the payday of the user. At the time of payment, let the computer execute the selection procedure of selecting the payment method from the electronic money charge balance, immediate payment or postpay, according to the user's situation.
The selection procedure is
An information processing program characterized in that the payment method is selected according to the balance of a bank account for depositing electronic money into the user's charge account. At the time of payment, let the computer execute the selection procedure of selecting the payment method from the electronic money charge balance, immediate payment or postpay, according to the user's situation.
The selection procedure is
An information processing program characterized in that the payment method is selected according to the number of days from the time of payment of the price to the payday of the user.

Images