JP7204974B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

An object of the present invention is to improve user convenience. An information processing apparatus according to the present application includes an acquisition unit that acquires invoice information indicated by an invoice, a specification unit that specifies a payment period based on the invoice information, and a predetermined payment period based on the specified payment period. a display unit that selects a payment date candidate that satisfies the conditions of (1) and displays candidate information about the selected candidate. [Selection drawing] Fig. 1

Description

Article 30, Paragraph 2 of the Patent Act applied March 1, 2020, released on the website of PayPay Co., Ltd.

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

Conventionally, there has been known a technology for providing a service that transmits electronic invoices (or "electronic invoices" as appropriate) to a user's terminal and allows payment of the amount charged on the invoice with electronic money. there is There is also known a technique for providing a service that reads information such as the billing amount printed on the bill, even if it is a paper bill, and enables settlement with electronic money.

JP 2007-305166 A

However, the conventional technology described above is not always convenient for the user.

For example, in the conventional technology described above, the timing at which the bill is paid is the timing at which the user completes the payment procedure, and there is a possibility of forgetting to pay. In addition, with the conventional technology described above, it is not always possible to make payment at the timing when the user wants to make payment (for example, after payday).

The present application has been made in view of the above, and an object thereof is to provide an information processing apparatus, an information processing method, and an information processing program that improve convenience for users.

An information processing apparatus according to the present application includes an acquisition unit that acquires bill information indicated by a bill, a specification unit that specifies a payment period based on the invoice information, and a predetermined condition based on the specified payment period. a display unit that selects a payment date candidate that satisfies the above and displays candidate information about the selected candidate.

According to one aspect of the embodiment, there is an effect that convenience for the user can be improved.

FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. FIG. 2 is a diagram illustrating a configuration example of a settlement server according to the embodiment; FIG. 3 is a diagram showing an example of an account database according to the embodiment. FIG. 4 is a diagram showing an example of an invoice information database according to the embodiment. FIG. 5 is a diagram illustrating an example of a user information database according to the embodiment; FIG. 6 is a diagram showing a specific example 1 of the display screen according to the embodiment. FIG. 7 is a diagram showing a specific example 2 of the display screen according to the embodiment. FIG. 8 is a diagram showing a specific example 3 of the display screen according to the embodiment. FIG. 9 is a diagram showing a specific example 4 of the display screen according to the embodiment. FIG. 10 is a diagram showing a specific example 5 of the display screen according to the embodiment. FIG. 11 is a diagram showing a specific example 6 of the display screen according to the embodiment. FIG. 12 is a flowchart illustrating an example of an information processing procedure according to the embodiment; FIG. 13 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server.

Embodiments for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. The information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. Information processing system]
Information processing realized by the information processing apparatus and the like according to the present embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. In FIG. 1, the information processing and the like according to the embodiment are assumed to be realized by the settlement server 10, which is an example of the information processing apparatus according to the present embodiment.

[1-1. Configuration of information processing system]
As shown in FIG. 1, an information processing system 1 according to the embodiment includes a payment server 10 and a user terminal 100. The payment server 10 and the user terminal 100 are communicably connected to each other by wire or wirelessly via a network N (see FIG. 2, for example). The network N is, for example, a WAN (Wide Area Network) such as the Internet. Note that the information processing system 1 shown in FIG. 1 may include a plurality of settlement servers 10 and a plurality of user terminals 100 .

A settlement server 10 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the user terminal 100 . For example, the settlement server 10 manages the account of the provider (operator) of the transaction object and the account of the user to whom the transaction object is provided, and transfers electronic money between accounts according to the payment request from the user. By doing so, various settlements are realized. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

A user terminal 100 shown in FIG. 1 is an information processing device used by a user U1. The user terminal 100 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 100 displays information distributed by the settlement server 10 using a web browser or application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smart phone.

When the user terminal 100 receives control information for implementing predetermined information processing from the settlement server 10, the user terminal 100 implements the information processing according to the control information. Here, the control information includes, 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 markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Note that the predetermined application itself distributed from the settlement server 10 may be regarded as the control information.

[1-2. Payment processing using user terminal 100]
Here, prior to information processing executed by the payment server 10, an example of payment (electronic payment) using the user terminal 100 will be described. In the following description, the user U1 uses a two-dimensional code (QR code (registered trademark)) placed in a store, which is a two-dimensional code that indicates store identification information for identifying a store, so that the user U1 can access the user terminal. Although an example of making a payment using 100 will be described, embodiments are not limited to this. An example of settlement described below is also applicable when any user U1 uses any user terminal 100 to make a payment at any store. The store identification information may be not only a QR code (registered trademark) but also a bar code, a predetermined mark, a number, or the like.

For example, when the user U1 makes a payment for using or purchasing a payment target such as various products and services at a store, the user U1 activates a payment application pre-installed in the user terminal 100 . Then, the user U1 photographs the shop identification information installed in the shop via the application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U1 or the store clerk. Then, the user terminal 100 settles payment information indicating user information identifying user U1, shop identification information (or information indicated by the shop identification information, that is, information indicating the shop), and payment amount. Send to server 10 .

In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of user U1 indicated by the user information to the account of the store indicated by the store identification information. Then, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100 . In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice.

Note that the settlement using the user terminal 100 is not limited to the processing described above. For example, settlement using the user terminal 100 may be made using a store terminal installed in a store. For example, the user terminal 100 displays user identification information for identifying user U1 on the screen. In such a case, the store terminal installed in the store reads the user identification information displayed on the user terminal 100, and generates payment information indicating the user identification information, the payment amount, and the information identifying the store. Send to the settlement server 10 . In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U1 indicated by the user identification information to the account of the store, and the store terminal of the store or the user terminal 100 In response, the fact that the payment has been made may be notified by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, the settlement using the user terminal 100 is not only the process of transferring electronic money from the account charged with electronic money in advance by the user U1 to the store account, but also the credit card pre-registered by the user U1. may be used for settlement. In such a case, for example, the payment server 10 may remit electronic money for the payment amount to the account of the store, and may request the payment amount from the operating company of user U1's credit card.

In addition, settlement using the user terminal 100 is not only a process of transferring electronic money from the account of the user U1 to the account of the store, but also provides a predetermined transaction object from the account of the user U1, for example. It may also be a payment that transfers electronic money to an account of a person (operator). In such a case, the user U1 captures the barcode included in the payment slip (for example, the transfer slip used in the convenience store receipt agency service) sent by the business operator to the user U1. Read with a device (camera). Then, the user terminal 100 displays the payee and payment amount indicated by the read barcode on the screen, and when receiving an operation to approve the remittance to the payee from the user U1, user identification information and , to the payment server 10, payment information indicating the payment amount and information identifying the payee. In such a case, the settlement server 10 transfers the amount of electronic money indicated by the payment amount from the account of user U1 to the account of the payee.

[1-3. Processing of information processing system 1]
As described above, conventionally, even if the bill is a paper bill, there is known a technique for providing a service that reads information such as the billing amount printed on the bill and enables settlement with electronic money. Conventionally, there is also known a technique for providing a service that transmits an electronic bill to a user's terminal and allows payment of the amount billed on the bill with electronic money. However, with such technology, the timing of executing the payment to the bill is the timing when the user completes the payment procedure, and there is a possibility that the payment may be forgotten, which is not always convenient for the user. .

Therefore, the settlement server 10 executes information processing according to the embodiment. Information processing executed by the settlement server 10 will be described below with reference to FIG. Note that the following description shows an example in which the user terminal 100 is used by the user U1. Also, in the following description, the user terminal 100 may be identified with the user U1. That is, the user U1 can be read as the user terminal 100 below.

First, user U1 uses user terminal 100 to read bill information from paper bill B1 (step S1). For example, the user U1 uses the camera function of the user terminal 100 to photograph and capture the barcode printed on the paper invoice B1. Here, the billing information is information including identification information of the business operator who is the billing source, identification information of the user who is the billing destination, the amount billed, the deadline for payment, and the like. In the following explanation, the invoice information printed on the invoice is explained as a bar code, but the invoice information can be not only a bar code but also a two-dimensional code (QR code (registered trademark)) or a predetermined mark, number, or the like.

At this time, the user terminal 100 may receive an electronic invoice B2 transmitted from a business operator terminal (not shown) of the business operator who is the billing party instead of the paper invoice B1. Here, the electronic bill B2 is a bill that can be settled online using electronic money as described above, and includes bill information.

Next, the settlement server 10 acquires bill information from the user terminal 100 (step S2), and identifies the payment period from the bill information (step S3). For example, the settlement server 10 identifies the date and time of the payment deadline from the bill information of the paper invoice B1, and determines the period from the date and time when the bill information is acquired from the user terminal 100 to the date and time of the payment deadline as the payable period. and specify. In addition, the settlement server 10 can set a predetermined period from the date of issue as the payment period when the bar code of the paper invoice B1 does not include information on the payment deadline, and can also use OCR (Optical Character Recognition: (Optical Character Recognition) technology can also be used to identify a written payment due date.

Subsequently, the settlement server 10 selects a payment date and time candidate that satisfies a predetermined condition from the identified payable period, and displays candidate information about the selected candidate on the user terminal 100 (step S4). For example, the settlement server 10 selects a candidate payment date, such as a period after a payday, from among the payable periods, and displays on the user terminal 100 a payment method that allows settlement on the candidate payment date. Specifically, the settlement server 10 executes settlement on the payment date and time specified by the user U1 from the presented payable period (as appropriate, "payment reservation"), or immediate settlement executed by the user U1 at any timing. (as appropriate, "immediate payment"), payment made by user U1 at a set date and time such as the day before the payment deadline without specifying the payment date and time (as appropriate, "automatic payment"), and usage for each invoice The user terminal 100 displays, as candidate information, a payment method such as a payment (appropriately, "history payment") to be made at a predetermined date and time based on the payment history (payment history) of the person U1.

To explain an example of payment reservation, the payment server 10 displays on the screen of the user terminal 100, as candidate information, a calendar C1 in which designation of payment date and time can be selected. At this time, the settlement server 10 can also display a calendar C1 on the screen of the user terminal 100 in which dates such as after the payment deadline cannot be selected are grayed out.

To explain an example of immediate payment, the payment server 10 displays, on the screen of the user terminal 100, a button with a message such as "pay now" as candidate information. At this time, the settlement server 10 can display a grayed-out button on the screen of the user terminal 100 so as to indicate that the selection is not possible on a date or time period in which immediate payment is not possible.

To explain an example of automatic payment, the payment server 10 displays on the screen of the user terminal 100, as candidate information, a setting button capable of switching automatic payment on and off. At this time, the settlement server 10 may set the automatic payment as a preferential payment method when the bill information is obtained from the paper bill B1 or the electronic bill B2 by the user U1. In addition, the settlement server 10, for example, sets the settlement date for automatic payment to the day before the payment deadline for each invoice, but accepts the designation by the user U1 and changes the settlement date to any date and time within the payable period. You can also

To explain an example of history payment, the settlement server 10 displays on the screen of the user terminal 100 buttons that enable selection and setting of history payment as candidate information. For example, the payment server 10 determines the past monthly payment date (eg, water bill on the 18th, gas bill on the 20th, etc.) based on the payment history of user U1 for bills with the same bill ID included in the bill information. ) is specified, and the specified payment date is displayed on the user terminal 100 as the scheduled payment date.

The user U1 uses the user terminal 100 to specify the payment method and payment date on the displayed content (step S5). For example, when user U1 selects a payment reservation, user U1 displays a screen for specifying payment date and time on the screen of user terminal 100, and selects the date displayed in a selectable state on displayed calendar C1. The payment date and time is specified by tapping and selecting the desired date. When user U1 selects immediate payment, user U1 taps a button with a message such as "pay now" displayed on the screen of user terminal 100 to select. In addition, when user U1 selects automatic payment, user U1 taps a setting button that allows switching between on and off of automatic payment displayed on the screen of user terminal 100, selects on, and is presented with Approve the estimated payment date. In addition, when user U1 selects payment history, user U1 taps a button that allows selection and setting of history payment displayed on the screen of user terminal 100 to select ON, and selects the presented payment schedule. approve the date.

Subsequently, the settlement server 10 receives designation of payment date and time from the user terminal 100 (step S6). For example, the settlement server 10 accepts designation of the date and time of payment as the payment date and time designated by the user U1. The settlement server 10 can also store bill information received from the user terminal 100 .

At this time, the settlement server 10 can also accept re-designation of the payment date and time and change of the payment date from the user terminal 100 . For example, when a payment reservation is set, or when automatic payment or history payment is set, the settlement server 10 accepts a change in the designated payment date and time or the set date and time of automatic payment or history payment. The settlement server 10 can also receive a change in payment method from the user terminal 100 . For example, the payment server 10 receives from the user terminal 100 a change in the payment method indicating that immediate payment is desired for the payment.

Subsequently, the settlement server 10 executes settlement processing based on the invoice information at the payment date and time designated by the user U1 or at the payment date and time set by the settlement server 10 (step S7). For example, the settlement server 10 transfers the amount of electronic money billed as invoice information from the account of the user U1 to the account of the billing business operator. The settlement server 10 can also execute settlement processing based on the stored invoice information at the payment date and time specified by the user U1.

At this time, if the balance of the account of user U1 is insufficient for the billed amount, the settlement server 10 transfers (automatically charges) electronic money from another account of user U1 set in advance. and can perform payment processing. In addition, when the user U1 designates a payment reservation or sets automatic payment or history payment, the settlement server 10 sends a push notification such as "I will settle today." you can go

Finally, the settlement server 10 notifies the information regarding the settlement of the bill of the user U1 (step S8). For example, the settlement server 10 notifies the user terminal 100 that the settlement of the invoice for the user U1 has been completed.

At this time, the settlement server 10 may perform notification to that effect if automatic charging is performed during the bill settlement process. In addition, when settlement processing for an invoice cannot be completed due to insufficient balance of electronic money, the settlement server 10 notifies the fact and uses a screen for prompting the user U1 to select a payment method. may be displayed on the user terminal 100. Moreover, if there is a possibility that the user U1 has forgotten to pay based on the monthly payment history of the user U1 (for example, the water bill has not been paid by the end of each month), the payment server 10 can also be notified to that effect.

As described above, the settlement server 10 according to the embodiment specifies the payment period of the bill, presents the user with payment method candidates including the payment date and time from the specified payment period, and In addition, it is possible to reserve payment of bills based on the settings in advance, and prevent forgetting to pay bills. That is, the settlement server 10 according to the embodiment can improve user convenience. Furthermore, the settlement server 10 according to the embodiment enables payment based on the stored information even if the paper bill is lost, and sends various notifications to prevent forgetting to pay or insufficient balance of electronic money. By making it possible, the user's convenience can be further improved.

[2. Configuration of payment server]
Next, the configuration of the settlement server 10 will be described using FIG. FIG. 2 is a diagram illustrating a configuration example of a settlement server according to the embodiment; As shown in FIG. 2, the settlement server 10 has a communication unit 20, a storage unit 30, and a control unit 40.

[2-1. communication unit 20]
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the operator terminal 200, and the like.

[2-2. Storage unit 30]
The storage unit 30 is implemented by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 2, the storage unit 30 has an account database 31, an invoice information database 32, and a user information database 33.

(Account database 31)
The account database 31 stores various types of information about accounts owned by users, business operators, etc. in the electronic payment service. An example of information stored in the account database 31 will now be described with reference to FIG. FIG. 3 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 3, the account database 31 has items such as "account ID", "owner information", and "account balance".

"Account ID" indicates identification information for identifying an account. "Owner information" indicates information about the owner who owns the account, and stores, for example, identification information for identifying the owner. "Account balance" indicates the balance of the account.

That is, FIG. 3 shows an example in which the information of the holder of the account identified by the account ID "AID #1" is "user #1" and the account balance is "7,800 yen".

(Invoice information database 32)
The invoice information database 32 stores various types of information indicated by the invoices prepared by the businesses that are the invoicing parties. An example of information stored in the invoice information database 32 will now be described with reference to FIG. FIG. 4 is a diagram showing an example of an invoice information database according to the embodiment. In the example of FIG. 4, the bill information database 32 has items such as "bill ID", "enterprise ID", "billing amount", and "payment deadline".

"Invoice ID" indicates identification information for identifying the invoice created by the business. "Business ID" indicates identification information for identifying the business that created the invoice. "Billing amount" indicates the amount billed to the user by the business operator. “Payment deadline” indicates the deadline by which the user can pay the amount billed to the business operator.

That is, in FIG. 4, the bill identified by the bill ID "BID#1" is created by the business operator identified by the business operator ID "MID#1", the billed amount is "billed amount #1", and the payment An example in which the due date is "payment due date #1" and an invoice identified by the invoice ID "BID#2" is created by the business operator identified by the business ID "MID#2", and the billed amount is " Billed amount #2”, and the payment term is “payment term #2”.

(User information database 33)
The user information database 33 stores various information about users of electronic payment services provided by the payment server 10 . An example of information stored in the user information database 33 will now be described with reference to FIG. FIG. 5 is a diagram illustrating an example of a user information database according to the embodiment; In the example of FIG. 5, the user information database 33 has items such as "user ID", "settlement history", "invoice ID", and "payment date and time".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using the electronic payment service, and stores information such as payment destinations and payment amounts, for example. "Invoice ID" indicates identification information for identifying the invoice created by the business. The "payment date" indicates the date and time (payment reservation date and time) at which the user wishes to pay the invoice within the payable period.

That is, in FIG. 5, the payment history of the user identified by the user ID "UID#1" is "settlement history #1", and the scheduled payment date and time of the bill identified by "BID#1" is "payment date and time". #1" and the scheduled payment date and time of the bill identified by "BID#2" is "payment date and time #2".

[2-3. control unit 40]
The control unit 40 is a controller, and various programs stored in a storage device inside the payment server 10 are executed by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, using the RAM as a work area. It is realized by being executed. Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 40 according to the embodiment, as shown in FIG. It implements or executes the information processing functions and actions described below.

(Acquisition unit 41)
The acquisition unit 41 acquires invoice information indicated by the invoice. For example, the acquisition unit 41 acquires invoice information indicated by an invoice photographed by the user's user terminal. That is, the acquisition unit 41 receives the invoice information read from the barcode of the paper invoice B1 photographed by the user U1 using the camera function of the user terminal 100 . The acquisition unit 41 also receives bill information indicated by the bill transmitted to the user terminal of the user. That is, the acquisition unit 41 receives bill information included in the electronic bill B2 transmitted by the business operator terminal and received by the user terminal 100 . Further, the obtaining unit 41 may receive bill information included in the electronic bill B2 selected by the user U1 from among the plurality of electronic bills B2 received by the user terminal 100. FIG. Here, the acquisition unit 41 receives bill ID, business operator ID, billing amount, payment deadline, etc. as bill information. Note that the acquisition unit 41 stores the acquired invoice information in the invoice information database 32 .

(Specifying unit 42)
The identifying unit 42 identifies the payable period based on the bill information obtained. For example, the identification unit 42 identifies the date and time of the payment deadline from the bill information of the paper bill B1, and determines the period from the date and time when the bill information is acquired from the user terminal 100 to the date and time of the payment deadline as the payable period. and specify. At this time, if there is a time slot during which payment cannot be executed due to server maintenance or the like, the specifying unit 42 can also specify the time slot.

(Display unit 43)
The display unit 43 selects a payment date candidate that satisfies a predetermined condition from the identified payment period, and displays candidate information about the selected candidate. For example, the display unit 43 selects a candidate payment date such as a period after a payday in the payable period, and displays content for selecting a payment method that allows settlement on the candidate payment date to the user terminal 100. indicate. At this time, the display unit 43 selects a candidate payment date based on the specification of the user U1 and the payment history of the user U1, and displays the content for selecting the payment method on the user terminal 100. FIG.

To explain an example of the content to be displayed, the display unit 43 displays content whose payment date is selectable as candidate information related to payment reservation. For example, the display unit 43 displays, as content, a calendar C1 from which payment dates and times can be selected. In addition, the display unit 43 displays, as candidate information related to immediate payment, contents for which designation of immediate payment can be selected. For example, the display unit 43 displays a button with a message such as “pay now” on the screen of the user terminal 100 . In addition, the display unit 43 displays, as candidate information related to automatic payment, content for which designation of payment on a predetermined date based on the payment deadline can be selected. For example, the display unit 43 displays on the screen of the user terminal 100 a setting button that enables switching between automatic payment ON and OFF. In addition, the display unit 43 displays, as candidate information related to history payment, contents for which payment can be selected on a predetermined date based on the user's payment history. For example, the display unit 43 displays on the screen of the user terminal 100 a button that enables selection and setting of history payment.

(Reception unit 44)
Further, the receiving unit 44 receives designation of the payment date from the displayed candidate information. For example, the accepting unit 44 accepts designation of a payment date through an operation on content for selecting a payment method such as payment reservation, immediate payment, automatic payment, or history payment. At this time, the receiving unit 44 may further receive a designation of the time for settlement.

Describing an example of specification accepted for each content, the acceptance unit 44 accepts specification of the payment date selected by the operation for the content of the payment reservation. For example, the accepting unit 44 accepts the payment date and time specified by the user U1 tapping the calendar C1 displayed on the screen of the user terminal 100 . Further, the accepting unit 44 accepts a specification for immediate payment by an operation on the immediate payment content. For example, the reception unit 44 receives the specified payment date and time (immediately) when the user U1 taps a button with a message such as "pay now" displayed on the screen of the user terminal 100. accept. Further, the accepting unit 44 accepts an instruction to perform payment on a predetermined date based on the payment deadline by an operation on the content of automatic payment. For example, the accepting unit 44 accepts the setting of automatic payment when the user U1 taps a setting button displayed on the screen of the user terminal 100 that enables switching between on and off of the automatic payment. The payment date specified by the user U1 tapping a button for approving the scheduled payment date presented on the screen of . Further, the accepting unit 44 accepts a designation to make a payment on a predetermined date based on the payment history of the user U1 through an operation on the history payment content. For example, the accepting unit 44 accepts the setting of automatic payment when the user U1 taps a button displayed on the screen of the user terminal 100 that enables selection and setting of history payment, and the screen of the user terminal 100 The designated payment date is accepted by the user U1 tapping a button for approving the presented scheduled payment date.

In addition, the receiving unit 44 receives changes in the payment date and time. For example, the accepting unit 44 accepts a change in the desired payment date, etc. within the payment period for invoice B1 for which settlement has not been completed. Specifically, the reception unit 44 changes the payment date, etc., based on the change to another payment method, with respect to an invoice for which the payment method is reservation payment, automatic payment, or history payment, and for which settlement has not been completed. Receive changes in the desired payment date and time within the payment period within the same payment method. At this time, when accepting the change of the payment method to immediate payment, the accepting unit 44 accepts the change to the specification of immediate payment on the designated payment date.

The receiving unit 44 stores the received designation of the payment date and the like and the change of the payment date and the like in the user information database 33 .

(Payment processing unit 45)
The settlement processing unit 45 performs settlement based on the invoice information on the payment date for which the designation is accepted. Moreover, the payment processing unit 45 performs the payment at the time when the designation is accepted. For example, the settlement processing unit 45 performs settlement based on bill information indicated by the bill photographed by the user terminal 100 of the user U1. Also, the settlement processing unit 45 performs settlement based on the invoice information indicated by the invoice transmitted to the user terminal 100 of the user U1. Also, the settlement processing unit 45 performs settlement based on the invoice information stored in the storage unit. That is, since the settlement processing unit 45 performs settlement using the bill information indicated by the bill photographed by the user terminal 100 of the user U1, even if the user U1 loses the paper bill B1, payment can be made. Further, when the accepting unit 44 accepts a change of the payment date or time, the settlement processing unit 45 performs settlement based on the invoice information on the changed payment date or time. Further, when the accepting unit 44 accepts a specification for immediate payment, the payment processing unit 45 immediately carries out the payment for which the specification has been accepted.

At this time, the settlement processing unit 45 transfers the amount of electronic money indicated by the billing amount from the account of the user indicated by the user ID to the account of the business indicated by the establishment ID at the designated payment date and time. . In addition, the settlement processing unit 45 performs settlement based on the invoice information at the payment date and time for which the change is received. Furthermore, if the electronic money owned by the user is insufficient for the billed amount for settlement based on the invoice information, the settlement processing unit 45 electronically transfers the deficient amount from the predetermined account set by the user. Transfer as money and make the relevant settlement. In addition, settlement using the user terminal 100 is not only a process of transferring electronic money from an account charged with electronic money in advance by the user U1 to an account of the store A, but also a credit card pre-registered by the user U1. Payment may be made using a card. In such a case, for example, the user terminal 100 may transfer electronic money for the settlement amount to the account of the store A, and may request the settlement amount from the credit card operating company of the user U1. .

(Notification unit 46)
The notification unit 46 notifies the user U1 of information regarding payment. In addition, the notification unit 46 notifies the user U1 of a payment that may not have been completed based on the past payment history of the user U1. In addition, when the electronic money owned by the user U1 is insufficient for the billed amount of settlement, the notification unit 46 notifies the user U1 that the electronic money is insufficient. . Furthermore, if the amount of electronic money possessed by the user U1 is insufficient for the amount charged for settlement, the notification unit 46 notifies the user U1 of prompting the payment of electronic money.

[3-1. Paper invoice B1]
Specific examples of display screens related to the processing of the paper bill B1 displayed by the settlement server 10 according to the embodiment will be described with reference to FIGS. 6 and 7. FIG. In the following, the display screen related to reading processing and the display screen of the management list will be described in this order.

(Display screen for reading processing)
A display screen relating to the reading process of the paper invoice B1 will be described with reference to FIG. First, the bill payment top screen (see Fig. 6 (1)) is displayed, and by tapping the "Read bill" display, the screen (Fig. 6 (2) ) see).

Next, the barcode of the paper invoice B1 is read by the camera, and if the payment date and time can be designated, the screen changes to a detailed screen (see FIG. 6 (3)) in which immediate payment or payment reservation can be selected. On the other hand, if payment reservation is not possible, the screen changes to a detailed screen (see FIG. 6(4)) where only immediate payment can be selected.

Here, on the screen of FIG. 6 (3), by tapping the display of "Register automatic payment date", the date of the insolvency period is grayed out on the calendar screen showing the payment period (see FIG. 6 (5)). is displayed. At this time, tap the desired date column (see FIG. 6 (6)) on the calendar screen, tap the "Register" display (see FIG. 6 (7)), and if the registration is successful, click " The automatic payment date has been registered.” or the like (see (13) in FIG. 6) displaying the success of the registration.

Furthermore, even if the payment reservation is registered as described above, if immediate payment is desired, immediate payment can be made by tapping the "pay now" display (see FIG. 6 (14)). It becomes possible. Also, by tapping the "Change" display on the screen of FIG. 6 (14), the date and time of the registered payment reservation can be changed.

On the other hand, in the screen of FIG. 6 (7), if the registration of the payment reservation fails, a screen displaying a registration failure such as "Failed to register automatic payment date" (see FIG. 6 (15)). , and a message prompting you to specify the reason for the failure and to re-specify the payment date and time is displayed.

In addition, on the calendar screen of FIG. 6 (5), if there is a payment reservation registration for another invoice that has already been registered, the number of registrations ( (8)) is displayed. In the example of FIG. 6(8), one payment reservation is registered on January 26th and three payment reservations are registered on January 28th. At this time, by tapping the registered date column, it is possible to confirm the registered contents and reset the payment date (see (9) to (12) in FIG. 6).

(Management list display screen)
The display screen of the management list of the paper invoice B1 will be described with reference to FIG. First, the bill payment top screen (see Fig. 7 (1)) is displayed, and by tapping the "automatic payment management" display, the management list display screen for paper bill B1 (see Fig. 7 (2)) is displayed. ). At this time, by tapping the "Add Bill" display on the screen of FIG. 7(2), it is possible to additionally register a payment reservation for the paper bill B1 or the electronic bill B2.

Next, in the screen of FIG. 7(2), if there is an electronic bill B2 that can be registered, the screen changes to a screen for selecting the electronic bill B2 that can be registered (see FIG. 7(3)). At this time, by selecting the electronic invoice B2 on the screen of FIG. 7(3), the screen transitions to the screen (see FIG. 7(4)) displaying the completion of additional registration in the payment reservation.

On the other hand, in the screen of FIG. 7(2), if there is no registerable electronic bill B2 but there is a registerable paper bill B1, tapping the "read bill" display will read the paper bill. The screen changes to a screen (see FIG. 7(5)) for reading the barcode of the invoice B1 with a camera, and changes to a detailed screen (see FIG. 7(6)) in which immediate payment or payment reservation can be selected. At this time, in the screen of FIG. 7(6), a screen for selecting the automatic payment setting can also be displayed.

[3-2. Electronic invoice B2]
Specific examples of display screens related to the processing of the electronic invoice B2 displayed by the settlement server 10 according to the embodiment will be described with reference to FIGS. 8 to 11. FIG. In the following, the display screen of the payment history list, the display screen of the electronic invoice details screen, and the display screen of the management list will be described in this order.

(Display screen of payment history list)
The display screen of the payment history list of the electronic invoice B2 will be described with reference to FIG. First, the bill payment top screen (see Fig. 8 (1)) is displayed. By tapping the display of the bill for which you want to display the payment history list, the payment history list display screen for electronic bill B2 (Fig. 8 ( 2) See).

Next, on the screen of FIG. 8 (2), by turning on the "automatic payment" setting button, a screen displaying the completion of the setting of the automatic payment that executes the settlement before the payment deadline every month (FIG. 8 (3 ) see). For example, by setting the above automatic payment, it is possible to automatically settle the payment on the day before the payment deadline indicated by the electronic invoice B2 without specifying the payment date and time. Here, the settlement date of the automatic payment is not limited to the day before the payment deadline, and can be set to any time before the payment deadline, and the setting can be changed. In addition, it is possible to cancel the automatic payment setting and select a payment reservation specifying a payment date and time, or to select an immediate payment.

In addition, when the above automatic payment setting is completed, the setting completion such as "automatic payment every month" (see (4) to (5) in Fig. 8) will be displayed on the set invoice on the bill payment top screen. Is displayed. On the other hand, on the screen of FIG. 8 (3), by tapping "Confirm automatic payment schedule", the screen changes to the automatic payment management screen.

(Display screen 1 of electronic invoice detail screen)
The display screen 1 of the electronic invoice detail screen of the electronic invoice B2 will be described with reference to FIG. First, the bill payment top screen (see Fig. 9 (1)) is displayed, and by tapping the display of the bill whose electronic bill details screen you want to display, the electronic bill B2 electronic bill details screen (Fig. 9) is displayed. (2)).

Next, on the screen of FIG. 9 (2), by turning on the "automatic payment" setting button, a screen displaying the completion of the setting of the automatic payment that executes settlement before the payment deadline every month (FIG. 9 (3 ) see). For example, by setting the above automatic payment, it is possible to automatically settle the payment on the day before the payment deadline indicated by the electronic invoice B2 without specifying the payment date and time. Here, the settlement date of the automatic payment is not limited to the day before the payment deadline, and can be set to any time before the payment deadline, and the setting can be changed. In addition, as shown in the example of FIG. 9(4), even if the "automatic payment" setting button is turned on, the automatic payment setting can be canceled and the "pay now" display can be displayed. By tapping, it is possible to execute immediate payment, or to change to a payment reservation specifying the date and time of payment.

(Display screen 2 of the electronic invoice details screen)
The display screen 2 of the electronic invoice detail screen of the electronic invoice B2 will be described with reference to FIG. First, the bill payment top screen (see Fig. 10 (1)) is displayed, and by tapping the display of the bill for which you want to display the electronic bill details screen, the electronic bill B2 electronic bill details screen (Fig. 10) is displayed. (2)).

Next, on the screen of FIG. 10(2), if the "Pay" display is tapped and the automatic payment setting is ON, immediate payment is executed and the screen transitions to the payment completion screen (see FIG. 10(4)). . On the other hand, in the screen of FIG. 10(2), when the "pay" display is tapped and the automatic payment setting is turned off, the screen transitions to a screen where automatic payment can be set (see FIG. 10(3)). By tapping the "Turn on automatic payment for this bill" display on the screen of Fig. 10 (3), a screen (Fig. 10 (5)). For example, by setting the above automatic payment, it is possible to automatically settle the payment on the day before the payment deadline indicated by the electronic invoice B2 without specifying the payment date and time.

(Management list display screen)
The display screen of the electronic invoice B2 management list will be described with reference to FIG. First, the bill payment top screen (see Fig. 11 (1)) is displayed, and by tapping the "Automatic payment management" display, the electronic bill B2 management list display screen (see Fig. 11 (2)) is displayed. transition to At this time, by tapping the "Add Bill" display on the screen of FIG. 11(2), it is possible to additionally register a payment reservation for the paper bill B1 or the electronic bill B2.

Next, in the screen of FIG. 11(2), if there is an electronic bill B2 that can be registered, the screen changes to a screen for selecting the electronic bill B2 that can be registered (see FIG. 11(3)). By selecting the electronic invoice B2 on the screen of FIG. 11(3), the screen transitions to the screen displaying the completion of additional registration in the payment reservation (see FIG. 11(4)).

On the other hand, in the screen of FIG. 11 (2), if there is no registerable electronic bill B2 but there is a registerable paper bill B1, tapping the "read bill" display will read the paper bill. 11 (5) to read the barcode of bill B1 with a camera, and then to a detailed screen (see FIG. 11 (6)) in which immediate payment or payment reservation can be selected. At this time, a screen for selecting automatic payment settings can also be displayed on the screen of FIG. 11 (6).

[4. Provision processing flow]
An information processing procedure of the settlement server 10 according to the embodiment will be described with reference to FIG. 12 . FIG. 12 is a flowchart illustrating an example of an information processing procedure according to the embodiment; Note that steps S101 to S106 below can also be performed in a different order. Also, some of steps S101 to S106 below may be omitted.

First, the acquisition unit 41 of the settlement server 10 executes bill information acquisition processing (step S101). For example, the acquisition unit 41 acquires invoice information read from the paper invoice B1 by the user U1 using the user terminal 100 .

Second, the identification unit 42 of the settlement server 10 executes payment period identification processing (step S102). For example, the specifying unit 42 specifies the date and time of the payment deadline from the bill information, and specifies the period from the date and time when the bill information is acquired from the user terminal 100 to the date and time of the payment deadline as the payable period.

Third, the display unit 43 of the settlement server 10 executes candidate information display processing (step S103). For example, the display unit 43 displays on the screen of the user terminal 100, as candidate information, content that allows selection of payment methods such as payment reservation, immediate payment, automatic payment, and history payment.

Fourthly, the reception unit 44 executes payment date and time reception processing (step S104). For example, the accepting unit 44 accepts the payment date specified by the user U1 using the user terminal 100 .

Fifth, the payment processing unit 45 executes payment processing (step S105). For example, the settlement processing unit 45 executes settlement processing based on the invoice information at the payment date and time specified by the user U1.

Sixthly, the notification unit 46 executes notification processing (step S106), and terminates the processing. For example, the notification unit 46 notifies information regarding settlement of bills of user U1 (eg, insufficient settlement amount, completion of automatic charging, etc.).

[5. effect〕
As described above, the payment server 10 according to the embodiment has the acquisition unit 41 , the identification unit 42 , the display unit 43 , the reception unit 44 , the payment processing unit 45 and the notification unit 46 .

The acquiring unit 41 acquires bill information indicated by the invoice, the identifying unit 42 identifies the payable period based on the bill information, and the display unit 43 satisfies a predetermined condition from the identified payable period. A payment date and time candidate is selected, and candidate information about the selected candidate is displayed. Thereby, the settlement server 10 according to the embodiment can improve user convenience.

In addition, the acquisition unit 41 acquires invoice information indicated by the invoice photographed by the user terminal of the user. As a result, the settlement server 10 according to the embodiment can improve user convenience by using the invoice information indicated by the paper invoice B1.

Also, the acquisition unit 41 acquires invoice information indicated by the invoice transmitted to the user terminal of the user. As a result, the settlement server 10 according to the embodiment can improve user convenience by using the invoice information indicated by the electronic invoice B2.

Further, the receiving unit 44 receives the designation of the payment date and time from the displayed candidate information, and the settlement processing unit 45 performs settlement based on the bill information at the payment date and time when the designation is received. As a result, the settlement server 10 according to the embodiment can improve user convenience by executing settlement using bill information.

Further, the display unit 43 displays, as candidate information, content for which the payment date and time can be selected, the reception unit 44 accepts designation of the selected payment date and time by operating the content, and the payment processing unit 45 processes the payment. is performed at the payment date and time when the designation is accepted. As a result, the payment server 10 according to the embodiment can improve the convenience of the user by executing the payment using the content whose payment date and time can be selected.

In addition, the display unit 43 displays, as candidate information, content for which designation for immediate payment can be selected, the reception unit 44 receives designation for immediate payment by operating the content, and the payment processing unit 45 , the payment for which the designation is accepted is immediately made. As a result, the payment server 10 according to the embodiment can improve convenience for the user by executing payment using content that allows immediate payment.

In addition, the display unit 43 displays, as candidate information, content for which payment can be specified at a predetermined date and time based on the payment deadline. The payment processing unit 45 accepts the designation to perform the payment, and performs the payment at a date and time corresponding to a predetermined time before the payment deadline. As a result, the payment server 10 according to the embodiment can improve convenience for the user by executing payment using content that allows automatic payment at a predetermined date and time.

In addition, the display unit 43 displays, as candidate information, content that allows selection of designation of settlement at a predetermined date and time based on the user's payment history, and the reception unit 44 displays the user's payment history through an operation on the content. The payment processing unit 45 accepts the designation to perform the payment at a predetermined date and time based on the user's payment history, and performs the payment at the predetermined date and time based on the user's payment history. As a result, the payment server 10 according to the embodiment can improve convenience for the user by executing payment using content that can be settled based on the action history of the user.

In addition, the reception unit 44 further receives a change of the payment date and time, and the settlement processing unit 45 performs settlement at the payment date and time for which the change is received. As a result, the payment server 10 according to the embodiment can improve convenience for the user by enabling the payment reservation to be changed.

The settlement server 10 according to the embodiment further includes a storage unit 30 that stores bill information, and the settlement processing unit 45 performs settlement based on the bill information stored in the storage unit 30 . As a result, the settlement server 10 according to the embodiment can improve user convenience by enabling payment without storing paper bills.

The notification unit 46 further notifies the user U1 of a payment that may not have been completed based on the past payment history of the user U1. As a result, the settlement server 10 according to the embodiment can further prevent forgetting to pay bills, thereby improving user convenience.

When the electronic money owned by the user U1 is insufficient for the amount billed for payment, the payment processing unit 45 transfers the insufficient amount as electronic money from a predetermined account set by the user U1, make the payment. As a result, the settlement server 10 according to the embodiment can prevent insolvency due to forgetting to charge electronic money, thereby improving user convenience.

If the amount of electronic money owned by the user U1 is insufficient for the amount billed for settlement, the notification unit 46 further notifies the user U1 that the amount of electronic money is insufficient. As a result, the settlement server 10 according to the embodiment can recognize that the electronic money has been forgotten to be charged, thereby improving convenience for the user.

If the amount of electronic money possessed by the user U1 is insufficient for the amount billed for settlement, the notification unit 46 further notifies the user U1 of prompting the user U1 to deposit electronic money. As a result, the settlement server 10 according to the embodiment can avoid forgetting to charge electronic money, and can improve user convenience.

[6. Hardware configuration]
Also, the settlement server 10 according to each of the embodiments described above is implemented by, for example, a computer 1000 configured as shown in FIG. The settlement server 10 will be described below as an example. FIG. 13 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server. Computer 1000 has CPU 1100 , RAM 1200 , ROM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

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

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from another device via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1200 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1200 via 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 a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the settlement server 10 , the CPU 1100 of the computer 1000 implements the functions of the control unit 40 by executing programs loaded on the RAM 1200 . Further, each data in the storage device of the settlement server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[7. others〕
Although the embodiments of the present application have been described above, the present invention is not limited by the contents of these embodiments. In addition, the components described above include those that can be easily assumed by those skilled in the art, those that are substantially the same, and those within the so-called equivalent range. Furthermore, the components described above can be combined as appropriate. Furthermore, various omissions, replacements, or modifications of components can be made without departing from the gist of the above-described embodiments.

Further, among the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, or the processes described as being performed manually can be performed manually. All or part of this can also be done automatically by known methods. 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 drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the illustrated one, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

For example, the above-described payment server 10 may be implemented by a plurality of server computers, and depending on the function, an external platform may be called using an API (Application Programming Interface) or network computing. Flexible to change.

Also, the above-described embodiments and modifications can be appropriately combined within a range that does not contradict the processing content.

Also, the above-mentioned "section, module, unit" can be read as "means" or "circuit". For example, the control unit can be read as control means or a control circuit.

1 information processing system 10 payment server 20 communication unit 30 storage unit 31 account database 32 bill information database 33 user information database 40 control unit 41 acquisition unit 42 identification unit 43 display unit 44 reception unit 45 payment processing unit 46 notification unit 100 use terminal

Claims (17)

an acquisition unit that acquires invoice information indicated by the invoice;
a specifying unit that specifies a payable period based on the bill information;
a display unit that selects a candidate for a payment date before the payment due date that satisfies a predetermined condition from the specified payment period and displays candidate information about the selected candidate;
a reception unit that receives the designation of the payment date for the invoice;
An information processing device comprising: The acquisition unit acquires the invoice information indicated by the invoice photographed by the user terminal of the user.
The information processing apparatus according to claim 1, characterized by: The acquisition unit acquires the invoice information indicated by the invoice transmitted to the user terminal of the user.
The information processing apparatus according to claim 1, characterized by: a reception unit that receives designation of the payment date from the displayed candidate information;
a payment processing unit that performs payment based on the invoice information on the payment date for which the designation is accepted;
4. The information processing apparatus according to any one of claims 1 to 3, further comprising: The display unit
displaying, as the candidate information, content for which the payment date is selectable;
The reception unit
Receiving designation of the payment date selected by an operation on the content;
The payment processing unit
perform the payment on the payment date for which the designation is received;
5. The information processing apparatus according to claim 4, characterized by: The display unit
Displaying, as the candidate information, content in which the designation of immediate payment can be selected;
The reception unit
Receiving a designation to immediately make the payment by an operation on the content,
The payment processing unit
Immediately perform the payment for which the designation is accepted,
6. The information processing apparatus according to claim 4, wherein: The display unit
displaying, as the candidate information, content that can be selected to specify that the payment will be made on a predetermined date based on the payment deadline;
The reception unit
Receiving a designation to make the payment on a predetermined date based on the payment deadline by an operation on the content;
The payment processing unit
make the payment on a day corresponding to a predetermined time before the payment due date;
7. The information processing apparatus according to any one of claims 4 to 6, characterized by: The display unit
Displaying, as the candidate information, content that allows selection of designation for performing the payment on a predetermined date based on the payment history of the user;
The reception unit
Receiving a designation to make the payment on a predetermined date based on the payment history of the user by operating the content;
The payment processing unit
making the payment on a predetermined day based on the payment history of the user;
8. The information processing apparatus according to any one of claims 4 to 7, characterized by: The reception unit
Further accepting the designation of the time to make the payment,
The payment processing unit
perform the payment at the time when the designation is accepted;
9. The information processing apparatus according to any one of claims 4 to 8, characterized by: The reception unit
further accepting a change in said payment date;
The payment processing unit
making the payment on the payment date for which the change was accepted;
10. The information processing apparatus according to any one of claims 4 to 9, characterized by: a storage unit that stores the invoice information;
further comprising
The payment processing unit
perform settlement based on the invoice information stored in the storage unit;
11. The information processing apparatus according to any one of claims 4 to 10, characterized by: The payment processing unit
When the electronic money owned by the user is insufficient for the amount billed for the payment, the insufficient amount is transferred as electronic money from a predetermined account set by the user, and the payment is performed.
12. The information processing apparatus according to any one of claims 4 to 11, characterized by: A notification unit that notifies the user of payments that may not have been completed based on the user's past payment history;
13. The information processing apparatus according to any one of claims 1 to 12, further comprising: The notification unit
If the electronic money owned by the user is insufficient for the amount billed for the payment, further notifying the user that the electronic money is insufficient;
14. The information processing apparatus according to claim 13, characterized by: The notification unit
If the electronic money owned by the user is insufficient for the amount billed for the payment, further notify the user to prompt the user to deposit the electronic money;
15. The information processing apparatus according to claim 13 or 14, characterized in that: A computer-executed information processing method comprising:
an acquisition step of acquiring invoice information indicated by the invoice;
an identifying step of identifying a payable period based on the bill information;
a display step of selecting a candidate for a payment date before the payment due date that satisfies a predetermined condition from the specified payment period and displaying candidate information about the selected candidate;
An information processing method comprising: an acquisition procedure for acquiring invoice information indicated by the invoice;
an identifying step of identifying a payable period based on the invoice information;
a display procedure for selecting a candidate for a payment date before the payment deadline that satisfies a predetermined condition from the specified payment period and displaying candidate information about the selected candidate;
An information processing program characterized by causing a computer to execute

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