JP7212195B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

An object of the present invention is to improve the usability of prepaid electronic payment. An information processing device according to the present application has a charge processing section and an issuing section. When the charge processing unit receives a request for use of a service that charges electronic money by deferred payment of the charge source, the charge processing unit sends the charge request specified in the use request to the wallet linked to the user who is the source of the charge request. Charge electronic money equivalent to the amount. The issuing unit provides an online content configured as content having a function to execute the repayment procedure of the charge source on an application for electronic payment provided to the user for using the electronic payment service using electronic money. issue an invoice. [Selection drawing] Fig. 6

Description

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

Conventionally, there have been proposed techniques for paying fees via various networks such as the Internet. As an example of such a technology, a technology has been proposed in which, when information related to account transfer is obtained, account transfer data is generated for executing account transfer according to the obtained information, and the generated account transfer data is sent to the bank system. It is

JP 2016-126720 A

However, the conventional technology has room for improving the usability of prepaid electronic settlement, in which payment for transaction objects such as goods and services is made after charging electronic money in advance. For example, there are credit card payment and deferred payment services such as BNPL (Buy Now Pay Later). Introduction is being considered.

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 capable of improving the usability of prepaid electronic settlement.

An information processing apparatus according to the present application includes a charge processing section and an issuing section. When the charge processing unit receives a request for use of a service that charges electronic money by deferred payment of the charge source, the charge processing unit sends the charge request specified in the use request to the wallet linked to the user who is the source of the use request. Charge electronic money equivalent to the amount. The issuing unit provides an online content configured as content having a function to execute the repayment procedure of the charge source on the electronic payment application provided to the user for using the electronic payment service using electronic money. issue an invoice.

According to one aspect of the embodiment, it is possible to improve the usability of prepaid electronic settlement.

FIG. 1 is a diagram illustrating an example of information processing (Part 1) according to the embodiment. FIG. 2 is a diagram showing an example of content displayed by an electronic payment application. FIG. 3 is a diagram illustrating an overview of information processing (Part 2) according to the embodiment. FIG. 4 is a diagram illustrating a configuration example of a terminal device according to the embodiment; FIG. 5 is a diagram illustrating a configuration example of a second application according to the embodiment; FIG. 6 is a diagram showing a configuration example of a payment server according to the embodiment. FIG. 7 is a diagram showing an example of an account database according to the embodiment. FIG. 8 is a diagram illustrating an example of a billing information database according to the embodiment; FIG. 9 is a flowchart illustrating an example of the procedure of settlement processing according to the embodiment. FIG. 10 is a flow chart showing an example of the procedure of the deferred payment charge process according to the embodiment. FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

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. embodiment]
(1-1. Regarding information processing (part 1) according to the embodiment)
Information processing (part 1) according to the embodiment will be described. FIG. 1 shows an example of information processing (part 1) according to the embodiment. In the following, as information processing (1) according to the embodiment, payment processing realized by the payment program and the like of the embodiment will be described. Note that in FIG. 1, the settlement processing by the settlement program according to the embodiment is performed by the terminal device 100 shown in FIG. That is, the terminal device 100 executes the payment processing according to the embodiment under the control of the payment program according to the embodiment.

As shown in FIG. 1, the payment system SYS-1 according to the embodiment includes a payment server 10, a terminal device 100, and a business operator server 200. The settlement server 10, the terminal device 100, and the business operator server 200 are connected by wire or wirelessly via a network N (see FIG. 2, for example) so that they can communicate with each other. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The payment system SYS-1 shown in FIG. 1 may include a plurality of payment servers 10, a plurality of terminal devices 100, and a plurality of operator servers 200. FIG.

The settlement server 10 shown in FIG. 1 is an information processing device that provides electronic settlement services related to electronic settlement using the terminal device 100 and performs various settlements, and is realized by, for example, a server device or a cloud system. For example, the settlement server 10 manages the account of the provider (business 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 terminal device 100 shown in FIG. 1 is an information processing device used by a user. The terminal device 100 is implemented 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 terminal device 100 displays information delivered by the payment server 10 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the terminal device 100 is a smart phone.

A business server 200 shown in FIG. 1 is an information processing device used by each business, and is realized by a server, a cloud system, or the like, for example. For example, the provider server 200 manages billing information regarding billing according to the use of the service by the user, as information about the services provided by each provider.

Here, an example of payment (electronic payment) using the terminal device 100 will be described prior to payment processing executed by the terminal device 100. FIG. In the following description, the user U uses the terminal device 100 using a two-dimensional code (QR code (registered trademark)) placed in the store and indicating store identification information for identifying the store. will be described, but the embodiment is not limited to this. An example of the settlement described below can also be applied when any user U uses any terminal device 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 U uses or purchases a payment target such as various products or services at a store, the user U activates a payment application pre-installed in the terminal device 100 . Then, the user U photographs the store identification information installed in the store via the application. In such a case, the terminal device 100 displays a screen for inputting the price to be settled, and receives the input of the payment amount from the user U or the store clerk. Then, the terminal device 100 sends payment information indicating user information identifying the user U, shop identification information (or information indicated by the shop identification information, that is, information indicating the shop), and payment amount to the payment server. Send to 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 U indicated by the user information to the account of the shop indicated by the shop identification information. The payment server 10 then transmits a notification to the effect that the payment has been completed to the terminal device 100 . In such a case, the terminal device 100 notifies that the payment has been made with electronic money by outputting a screen or a predetermined sound indicating that the payment has been completed.

Note that the settlement using the terminal device 100 is not limited to the processing described above. For example, settlement using the terminal device 100 may be made using a store terminal installed in a store. For example, the terminal device 100 displays user identification information for identifying the user U on the screen. In such a case, the store terminal installed in the store reads the user identification information displayed on the terminal device 100, and sets settlement information indicating the user identification information, the settlement amount, and the information identifying the store. 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 the user U indicated by the user identification information to the account of the store, and sends it to the store terminal or terminal device 100 of the store. On the other hand, 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, settlement using the terminal device 100 is not only a process of transferring electronic money from an account charged with electronic money in advance by the user U to an account of a store, but also, for example, using a credit card registered in advance by the user U. Payment may be made using 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 the user U's credit card.

In addition, the settlement using the terminal device 100 is not only the process of transferring electronic money from the account of the user U to the account of the store, It may also be a payment that transfers electronic money to a (business operator's) account. In such a case, the user U sends 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 U. (camera) to read. Then, the terminal device 100 displays the payee and the 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 U, the user identification information, Payment information indicating the payment amount and information identifying the payee is transmitted to the payment server 10 . In such a case, the settlement server 10 transfers the amount of electronic money indicated by the payment amount from the account of the user U to the account of the payee.

Here, conventionally, as a technique for paying fees via various networks, there is known a technique for generating account transfer data for executing account transfer when information on account transfer is obtained, and transmitting the data to a bank system. ing. However, when remittance is performed using such technology, there is a possibility that account transfer will be performed at a timing not intended by the user who is the remittance source, and usability may not be good.

Therefore, the terminal device 100 executes settlement processing according to the embodiment. The settlement processing executed by the terminal device 100 will be described below with reference to FIG. Note that an example in which the terminal device 100 is used by the user U is shown in the following description. Also, in the following description, the terminal device 100 may be identified with the user U. That is, hereinafter, the user U can also be read as the terminal device 100 .

Further, in the following description, the settlement system SYS-1 includes business operators servers 201 and 202 (hereinafter referred to as "business (hereinafter collectively referred to as “user server 200”). Note that the payment system SYS-1 may include any number of terminal devices 100 and operator servers 200. FIG.

First, the provider server 200 transmits to the settlement server 10 billing information regarding the billing of fees according to the use of each user's service (step S1). For example, the business server 200 determines a charge to be charged to each user according to the use of water, electricity, gas, etc., and transmits billing information regarding billing of the determined charge to the settlement server 10 . To give a specific example, the provider server 200 stores information indicating the user (billing destination) who has charged the fee, information indicating the provider (billing party) who charges the user, and the billing amount (billing amount), the transaction subject to be billed, the due date for payment, etc., is sent to the settlement server 10.

Subsequently, the settlement server 10 distributes the billing information to the terminal device 100 (step S2). For example, the settlement server 10, together with billing information corresponding to the user U, provides content corresponding to the billing information, which is content for the user U to pay the amount billed corresponding to the billing information. Contents are distributed to the terminal device 100 . To give a specific example, the payment server 10 sends billing information and payment content displayed on an application for electronic payment pre-installed on the terminal device 100 (an application provided by the payment server 10) to the terminal device 100. To deliver.

Subsequently, the terminal device 100 notifies that new billing information has been delivered (step S3). For example, when a pre-installed application for electronic payment (an application provided by the payment server 10; hereinafter sometimes referred to as an “electronic payment application”) is started, the terminal device 100 performs a new operation on the application. notifies that the billing information has been delivered. Also, for example, the terminal device 100 displays a push notification to the effect that new billing information has been delivered.

Subsequently, the user U selects billing information to be paid, and performs an operation for making payment corresponding to the billing information (step S4). For example, the user U performs a selection operation for payment content displayed on the terminal device 100 by an electronic payment application as an operation for making payment.

Subsequently, the terminal device 100 notifies the payment server 10 of the billing information to be paid (step S5). For example, the terminal device 100 notifies the payment server 10 of billing information distributed together with the payment content selected by the user U.

Here, various contents displayed on the terminal device 100 by the electronic payment application in the payment processing according to the embodiment will be described with reference to FIG. FIG. 2 is a diagram showing an example of content displayed by an electronic payment application.

As shown in FIG. 2, the terminal device 100 displays content C1 as an initial display when the electronic payment application is activated. For example, the terminal device 100 displays various contents related to electronic payment described above. Here, when the selection operation on the button B1 is accepted, the terminal device 100 displays the content C2 regarding billing of various charges from the business operator.

In the example of FIG. 2, the terminal device 100 displays the content C2 including the notification content NC1 for notifying that there is an unpaid bill among the bills corresponding to the billing information distributed from the settlement server 10. do. For example, when receiving a selection operation on the lower part of the content C2 (the area where the character string "read bill" is displayed), the terminal device 100 performs processing related to payment using the above-described payment slip. Further, when the selection operation for the notification content NC1 is received, the terminal device 100 displays the content C3 regarding the payment details for the bill corresponding to the billing information.

In the example of FIG. 2, the terminal device 100 receives information indicating the history of payments made by the user U using electronic payment in response to billing corresponding to billing information distributed from the payment server 10, and new billing information. Content C3 including notification content NC2 for notifying that information has been distributed is displayed. Here, when the selection operation for the notification content NC2 is received, the terminal device 100 displays the content C4 indicating billing information corresponding to the notification content NC2.

In the example of FIG. 2, the terminal device 100 displays content C4 including billing information and payment content PC1. Here, when the selection operation for the payment content PC1 is accepted, the terminal device 100 notifies the payment server 10 of the billing information indicated by the content C4. Then, the terminal device 100 displays content C5 indicating that the payment server 10 has been notified of the billing information.

Note that the terminal device 100 may notify that new billing information has been distributed in the content C1 or the content C2. Further, the terminal device 100 may arrange and display a push notification corresponding to the distributed billing information on the login screen. Then, the terminal device 100 displays the content C4 by accepting the user's selection operation for the push notification.

Returning to FIG. 1, the description is continued. The settlement server 10 performs remittance between accounts according to the notified billing information (step S6). For example, the settlement server 10 remits electronic money for the billing amount from the account of the user U to the billing account corresponding to the notified billing information.

As described above, the terminal device 100 according to the embodiment receives delivery of payment content together with billing information, and when receiving a selection operation for the payment content, notifies the payment server 10 of the billing information (in other words, billing amount). of the remittance request). As a result, the terminal device 100 according to the embodiment, after the billing information is distributed, can be used at the timing when the user performs a selection operation for the corresponding payment content, in other words, when the billing information is indicated by the user at any timing. Bills can be paid (remitted). That is, the terminal device 100 according to the embodiment can improve the usability of various remittances.

Further, conventionally, there is known a technique of distributing data (so-called electronic invoice), which is electronic data of an invoice (payment slip) prepared by a business operator, to a user. However, when a user pays using an electronic invoice, the code included in the electronic invoice is displayed on the user's terminal device, and the code is read by the terminal installed at the store that provides the collection agent service. necessary and usability may not be good. On the other hand, the terminal device 100 according to the embodiment can pay the bill indicated by the billing information only by accepting the selection operation for the payment content distributed together with the billing information. can be improved.

(1-2. Regarding information processing (part 2) according to the embodiment)
Information processing (Part 2) according to the embodiment will be described below. Information processing (part 2) according to the embodiment is a prepaid electronic payment method in which electronic money is charged in advance, and then payment is made for transaction objects such as goods and services. is an example of information processing. FIG. 3 shows an overview of information processing (part 2) according to the embodiment. In addition, the information processing described below (information processing in the case of deferred payment of electronic money charge) is not limited to the payment of the above-mentioned utility bills, but also settlement of transaction objects such as goods and services, various remittances, etc. It can be applied to various settlements and remittances such as charging electronic money for use.

As shown in FIG. 3, the settlement system SYS-2 according to the embodiment includes a settlement server 10, a terminal device 100, and a data server 300. The settlement server 10, the terminal device 100, and the data server 300 are communicably connected to each other by wire or wirelessly via a network N (see FIGS. 4 and 6, for example). Network N is, for example, a WAN (Wide Area Network) such as the Internet.

The settlement server 10 and the terminal device 100 shown in FIG. 3 respectively correspond to the settlement server 10 and the terminal device 100 shown in FIG. The data server 300 performs data linkage with servers that provide various online services, and acquires and manages usage histories of various online services for each user of the electronic payment service. Usage histories of various online services include, for example, purchase histories of transaction targets on EC (Electronic Commerce) sites.

In FIG. 3, the user U performs an operation for requesting use of a service for charging electronic money by deferred payment of the charging funds (hereinafter referred to as "deferred payment charging") (step S11). A service for executing deferred payment charging is provided as part of the electronic payment service on the condition that the source of the electronic money charged to the wallet associated with the user U is repaid after the fact. For example, the user U operates the terminal device 100 to activate the above-described electronic payment application, and performs an operation for requesting the payment server 10 to use the deferred payment charge through the electronic payment application.

The electronic payment application operating on the terminal device 100 transmits a usage request for postpaid charge to the payment server 10 in response to an operation by the user U (step S12).

When the payment server 10 receives a request for using the postpaid charge from the user U, it determines whether or not to permit the user U to use the postpaid charge based on predetermined conditions (step S13).

For example, if there is a vacancy in the predetermined usage limit, the payment server 10 permits postpaid charging to the user U who is the source of the charging request. For example, as a method of managing user quotas, it is assumed that the quotas are sequentially consumed on a first-come, first-served basis and reset (returns to the original number of quotas) at regular intervals. Further, the information indicating the user quota may include additional conditions for selecting service users whose payment ability exceeds a certain level before granting the user quota. That is, it may be operated so as to allocate user quotas on a first-come, first-served basis to service users who can expect to collect the charge corresponding to the electronic money charged by deferred payment. For example, the additional conditions can be defined in advance based on the service user's usage history of the online service obtained from the data server 300 . As a specific example, the additional condition may be the condition that the number of purchases or the amount of payment in the EC site during a predetermined period exceeds a predetermined threshold.

Further, for example, the settlement server 10 permits charging according to the charging request when the usage purpose included in the charging request satisfies a predetermined usage condition. Pre-defined usage conditions include payment (settlement) at member stores (stores) operated by businesses that introduce electronic payment services, and remittances to other users of electronic payment services. This applies to cases, etc.

If the settlement server 10 determines that the user U is permitted to use the postpaid charge, the settlement server 10 executes the postpaid charge (step S14). For example, the settlement server 10 notifies the user U that the use of the postpaid charge is permitted, and transfers electronic money corresponding to the requested charge amount specified in the usage request to the wallet linked to the user U. to charge.

In addition, when the payment server 10 performs deferred charging in the above-described step S14, the charge amount corresponding to the charge request amount included in the charge request is within the range of the upper limit amount predetermined according to the usage purpose included in the charge request. You can charge electronic money.

After confirming that the electronic money has been charged on the electronic payment application running on the terminal device 100, the user U performs electronic payment using the terminal device 100 (step S15). For example, the user U can use an electronic payment application to read a two-dimensional code C installed at an offline member store to make a payment (user payment) by the user U, or use the screen of the electronic payment application. By displaying the user identification information and presenting it to the store clerk R1 of the offline member store, the store clerk R1 makes a payment (store payment).

In addition, the settlement server 10 issues an online invoice corresponding to the deferred charge to the user U after a predetermined period of time has passed since the execution of the deferred charge to the user U, and transmits it to the terminal device 100 (step S16). An online bill is an electronic payment slip containing information such as bills corresponding to postpaid charges and payment methods for the charges. Also, the online invoice may be configured as content having a function that enables the electronic payment application to execute the repayment procedure for electronic money charged by deferred payment, for example.

Upon receiving the online bill issued by the settlement server 10, the terminal device 100 notifies the user U of the receipt of the online bill (step S17). For example, the terminal device 100 can notify the user U of receipt of the online invoice by push notification when the electronic payment application permits the push notification.

After confirming receipt of the online bill, the user U selects a payment method for paying the billing information of the online bill (step S18). For example, the user U selects a charge method for charging electronic money equivalent to the billed amount to his wallet. Charge methods include arbitrary methods such as credit card, bank transfer, and convenience store payment.

The terminal device 100 executes payment for the billing information of the online bill by the payment method selected by the user U (step S19). For example, the terminal device 100 uses the payment method selected by the user U to charge his/her own wallet with electronic money equivalent to the amount charged on the online invoice.

When the payment server 10 confirms payment of the online bill by the user U, for example, the payment server 10 transfers electronic money from the user U's wallet (electronic money account) to the payment server 10 wallet. send money.

Further, when the payment server 10 determines in step S13 that the deferred payment charge for the user U cannot be permitted, the payment server 10 may further execute electronic identity verification processing that can be completed on the electronic payment application. For example, the payment server 10 can adopt arbitrary techniques such as "Digital KYC" and "Polarify eKYC" when authenticating the face image of the user U in the identity verification process. The settlement server 10 permits deferred payment charging when user U succeeds in identity verification as a result of identity verification processing. On the other hand, the settlement server 10 notifies the user U that the deferred payment charge cannot be permitted when the user U fails in the identity verification as a result of the identity verification process.

In addition, the settlement server 10, for the online bill issued in step S16 described above, pays the fee for the repayment procedure by the online bill performed through the electronic payment application, and the repayment procedure that the user U can select other than the online bill. may include information listing the corresponding fees in a comparable manner. For example, the payment server 10 may compare and publish the fees for repayment procedures using online invoices through an electronic payment application and the fees for repayment procedures using paper invoices.

[2. Configuration of terminal device]
The terminal device 100 for realizing the payment processing and information processing described above will be described below with reference to FIG. FIG. 4 shows a configuration example of a terminal device according to the embodiment. As shown in FIG. 4 , the terminal device 100 has a communication section 110 , a storage section 120 , a camera 130 , a touch panel 140 and a control section 150 .

(Regarding communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the payment server 10 that distributes applications for electronic payment, the business operator server 200, and the like.

(Regarding storage unit 120)
The storage unit 120 is realized 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. The storage unit 120 also stores images captured by the camera 130 .

(Regarding camera 130)
The camera 130 is an imaging device for capturing an image (moving image or still image). The camera 130 is configured by, for example, an imaging device such as a CCD (Charged-coupled devices) sensor or a CMOS (Complementary metal-oxide-semiconductor) sensor.

(Regarding touch panel 140)
The touch panel 140 is an input device that is realized by a liquid crystal display or the like, displays various information, and receives various operations from the user with the user's finger or a dedicated pen.

(Regarding the control unit 150)
The control unit 150 is a controller, and various programs stored in a storage device inside the terminal device 100 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 150 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).

Here, the control unit 150 implements various functions related to the terminal device 100 by executing a plurality of applications. For example, in the example shown in FIG. 5, the control unit 150 is executing a first application 151 and a second application 152 . In addition to the applications shown in FIG. 5, the control unit 150 may execute any number of applications for exhibiting any function.

The first application 151 is an OS (Operating System) of the terminal device 100 . The second application 152 corresponds to the above-described electronic payment application or the like, and causes the terminal device 100 to execute the above-described payment processing. An example of the functional configuration of the second application 152 will be described below with reference to FIG. FIG. 5 shows a configuration example of the second application according to the embodiment. As shown in FIG. 5, the second application 152 according to the embodiment has a reception unit 1521, a notification unit 1522, a provision unit 1523, a payment processing unit 1524, and a display control unit 1525, and will be described below. implement or perform information processing functions or operations that

(Regarding reception unit 1521)
Accepting unit 1521 accepts billing information and payment content indicating payment. For example, in the example of FIG. 1, the receiving unit 1521 receives the billing information corresponding to the user U and the content corresponding to the billing information, and the user U pays the billing amount corresponding to the billing information. The payment content, which is the content for the payment, is received from the payment server 10.例文帳に追加

In addition, the reception unit 1521 receives online invoice information from the payment server 10 through the communication unit 110 .

(Regarding notification unit 1522)
When the billing information is received, the notification unit 1522 notifies that the billing information has been received. For example, in the example of FIG. 1, the notification unit 1522 notifies that new billing information has been distributed on the application when the electronic payment application is started. To give a specific example, in the example of FIG. 2, the notification unit 1522 notifies that new billing information has been distributed in any of the contents C1 to C3. In addition, for example, the terminal device 100 notifies by arranging a push notification corresponding to the distributed billing information on the login screen.

Further, when the online invoice is obtained through the communication unit 110, the notification unit 1522 notifies the user U of the receipt of the online invoice.

(Regarding the providing unit 1523)
The providing unit 1523 provides the billing information to the user when the billing information indicating the details of billing to the user is received. For example, in the example of FIG. 1, the providing unit 1523 provides billing information to the user U on the electronic payment application.

The providing unit 1523 may also provide billing information when the user selects notification. For example, in the example of FIG. 2, the providing unit 1523 displays content C4 indicating billing information corresponding to the notification content NC2 when receiving a selection operation for the notification content NC2 that notifies that new billing information has been distributed. do.

In addition, the providing unit 1523 may provide payment content indicating payment to the user together with the billing information. For example, in the example of FIG. 1, the provision unit 1523 provides billing information corresponding to the user U, content corresponding to the billing information, and the user U to pay the billing amount corresponding to the billing information. provide payment content (payment content PC1 in the example of FIG. 2) that is content for

Here, it is desired to improve convenience by not only providing the billing information when the billing information is received from the settlement server 10, but also providing the user with various information related to the billing from each business operator. Such requests can be considered. Therefore, the providing unit 1523 may provide a plurality of items of billing information to the user. For example, the providing unit 1523 provides the user with a plurality of pieces of billing information newly distributed from the settlement server 10, or billing information that has already been distributed and for which the corresponding billing amount has not yet been paid. do. As a specific example, the providing unit 1523 further provides (displays) a plurality of notification contents corresponding to each of the plurality of billing information in the content C3 shown in FIG.

In addition, the providing unit 1523 may further provide a history of billing information indicating details of bills paid by the user. For example, in the example of FIG. 2, the providing unit 1523 provides content including information indicating the history of payments made by the user U using electronic payment in response to billing corresponding to billing information distributed from the payment server 10. Provide C3.

Further, the providing unit 1523 may provide information indicating the billed amount as the billing information. For example, in the example of FIG. 2, the providing unit 1523 provides the content C4 including the billing amount corresponding to the notification content NC2 when receiving the selection operation for the notification content NC2.

In addition, the providing unit 1523 may provide, as billing information, information indicating a transaction subject to be billed. For example, in the example of FIG. 2, when the providing unit 1523 receives a selection operation for the notification content NC2, the providing unit 1523 further adds content including information indicating a transaction target (for example, water supply, electricity, gas, etc.) corresponding to the notification content NC2. Provide C4.

Further, when billing information regarding payment of public utility charges is received, the providing unit 1523 may provide the billing information to the user. For example, the providing unit 1523 provides billing information regarding the payment of public utility charges charged to the user by a business operator (public utility) that supplies the user U with water, electricity, gas, and the like.

Further, the providing unit 1523 may display a plurality of pieces of target information indicating transaction targets to be billed, and display billing information related to the transaction targets corresponding to the target information selected by the user. For example, in the example of FIG. 2, the providing unit 1523 provides the target information "AAA electricity" indicating the transaction target "electricity" and "AAA gas" corresponding to the transaction target "gas". When the user U selects the target information “AAA electricity”, the billing information distributed from the settlement server 10 regarding the transaction object “electricity”, the notification corresponding to the billing information, the payment content, and the transaction object “electricity” (hereinafter sometimes referred to as “target content”) including information indicating the history of payments made by the user U using electronic payment in response to the bill corresponding to .

Further, the providing unit 1523 may provide billing information including at least one of information indicating the billing amount, information indicating the billing party, and information indicating the transaction subject to be billed. Note that the providing unit 1523 may combine a plurality of the above processes to provide billing information. For example, the providing unit 1523 may provide information indicating the billing amount and information indicating the billing party as the billing information.

Here, it is conceivable that there is a desire to improve the convenience of the user by automatically executing settlement processing when a charge is made. Therefore, the providing unit 1523 may provide billing information about the target information and the corresponding transaction target selected by the user, and automatic content indicating that the billing for the target information and the corresponding transaction target is automatically performed. . For example, the providing unit 1523 provides the user with automatic content for instructing automatic payment of the billed amount related to the transaction object, including the automatic content in the target content.

In addition, the providing unit 1523 provides the user U with the online invoice acquired from the settlement server 10 through the communication unit 110 . For example, an online bill is configured as content having a function that allows the electronic payment application to execute repayment procedures for electronic money charged by deferred payment.

(Regarding the payment processing unit 1524)
The payment processing unit 1524 executes payment processing for paying the bill indicated by the billing information when the user performs an operation for payment. For example, the payment processing unit 1524 executes payment processing using the electronic payment service provided by the payment server 10 when the user performs an operation for payment.

In addition, when the user selects the payment content, the payment processing unit 1524 may execute payment processing for paying the bill indicated by the billing information provided together with the payment content. For example, the payment processing unit 1524 uses the electronic payment service provided by the payment server 10 to execute payment (payment processing) for the bill indicated by the billing information provided together with the payment content selected by the user.

In addition, when the user performs an operation after selecting any of the billing information, the settlement processing unit 1524 executes settlement processing for paying the bill indicated by the selected billing information. good too. For example, when the user selects one of the plurality of billing information provided by the providing unit 1523 and then performs an operation for payment, the payment processing unit 1524 determines whether the content indicated by the selected billing information is displayed. Settlement processing for paying bills is executed using the electronic settlement service provided by the settlement server 10 .

The settlement processing unit 1524 may also execute settlement processing for paying utility bills. For example, the payment processing unit 1524 executes payment processing for paying utility charges charged to the user by a business operator that provides services (public utilities) that supply water, electricity, gas, and the like to the user.

In addition, the settlement processing unit 1524 may notify the content of the bill indicated by the billing information to an external server device that implements remittance between accounts. For example, in the example of FIG. 1, the payment processing unit 1524 notifies the payment server 10 of the billing information distributed together with the payment content selected by the user U.

In addition, when the user selects automatic content, the settlement processing unit 1524 executes settlement processing for automatically making payment when a request for the transaction object corresponding to the target information selected by the user occurs. You may For example, if the user selects automatic content included in the target content corresponding to the transaction object "electricity", the payment processing unit 1524, when billing information on the transaction object "electricity" is distributed from the payment server 10, , execute settlement processing for automatically paying the billed amount by the due date indicated by the billing information. To give a specific example, the payment processing unit 1524 performs an operation for the user to make a payment after the payment server 10 distributes the billing information regarding the transaction object “electricity” to the payment date. Settlement processing is executed according to the operation, and if the user does not perform an operation for making payment by the payment date, settlement processing for making payment is automatically executed.

Note that the settlement processing unit 1524 may execute settlement processing using a payment slip sent by the business to the user. For example, the camera 130 reads a barcode included in a payment form via an electronic payment application according to user's operation. Then, the settlement processing unit 1524 executes settlement processing based on the billing party, billing amount, etc. indicated by the read barcode.

Note that the payment processing unit 1524 may execute payment processing using electronic payment at the store. For example, the payment processing unit 1524 indicates user information for identifying the user, information indicating store identification information captured by the camera 130, and the payment amount input to the terminal device 100 by the user or store clerk. Send payment information to the payment server 10 .

In addition, the payment processing unit 1524 charges electronic money corresponding to the billed amount described in the online invoice to its own wallet by the payment method selected by the user U in the online invoice.

In addition, the electronic payment application operating on the terminal device 100 transmits a request for use of the deferred payment service to the payment server 10 through the communication unit 110 according to the user's operation. For example, the usage request may include the requested charge amount and information indicating the purpose of use.

(Regarding the display control unit 1525)
The display control unit 1525 controls the display of the screen (touch panel 140) of the terminal device according to the operation of the user, the payment processing executed by the payment processing unit 1524, and the like.

When the user makes a payment using a payment form, the display control unit 1525 displays a screen for capturing a barcode or a screen indicating that the payment process has been executed according to the user's operation. You may let In addition, when the user makes payment using electronic payment at a store, the display control unit 1525 may control the display of the screen regarding electronic payment in accordance with the user's operation. For example, the display control unit 1526 controls a screen for photographing an image of store identification information for identifying a store, a screen for receiving an input of a payment amount from the user U or a store clerk, and a screen for sending payment information to the payment server 10. Display a screen or the like indicating that the message has been sent.

Also, when charging electronic money equivalent to the amount billed on the online bill, the display control unit 1525 displays various screens for repaying the amount billed on the online bill. .

[3. Configuration of payment server]
Next, the configuration of the settlement server 10 according to the embodiment will be described. FIG. 6 shows a configuration example of the settlement server 10 according to the embodiment. As shown in FIG. 6, the settlement server 10 has a communication unit 20, a storage unit 30, and a control unit 40.

(Regarding communication unit 20)
The communication unit 20 is implemented by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the terminal device 100, the provider server 200, the data server 300, and the like.

(Regarding storage unit 30)
The storage unit 30 is realized by, for example, a RAM (Random Access Memory), a semiconductor memory device such as a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 6, the storage unit 30 has an account database 31, a billing information database 32, a usage limit information storage unit 33, and a usage condition storage unit . Note that the storage unit 30 is not limited to the example shown in FIG. 6, and may have a storage unit that stores other information in addition to the storage unit described above.

(Regarding account database 31)
The account database 31 stores various types of information about accounts of users and businesses. FIG. 7 shows an example of an account database according to the embodiment. In the example of FIG. 7, the account database 31 has a plurality of items such as an "account ID" item, an "owner information" item, and an "account balance" item, and these items are associated with each other. It is

"Account ID" indicates identification information for identifying an account. "Owner information" indicates information about the owner (user or business operator) who owns the account, and stores, for example, identification information (identifier) for identifying the owner. "Account balance" indicates the balance of an account owned by a user or business.

That is, FIG. 7 shows an example in which the information of the owner of the account identified by the account ID "AID#1" is "user #1" and the account balance is "7800".

(Regarding billing information database 32)
The billing information database 32 stores billing information transmitted from the business server 200 . FIG. 8 shows an example of the billing information database according to the embodiment. In the example of FIG. 8, the billing information database 32 includes items of "billing information ID", items of "enterprise information", items of "user information", items of "billing object", and items of "billing amount". , and these items are associated with each other.

“Billing information ID” indicates identification information for identifying billing information. The "enterprise information" indicates information about the invoicing enterprise, and stores, for example, identification information for identifying the enterprise. "User information" indicates information about the user who is the billing destination, and stores, for example, identification information for identifying the user. "Billing object" indicates the transaction object to be billed. "Billing amount" indicates the amount to be billed to the billing destination.

That is, in FIG. 8, the billing information identified by the billing information ID "AID #1" includes the business operator information "business operator #1", the user information "user #1", the billing target "water supply", the billing amount An example including information such as "5200" is shown.

(Regarding the usage limit information storage unit 33)
The usage limit information storage unit 33 stores information indicating a predetermined user limit for limiting the number of service users permitted to use the postpaid charge to a predetermined number. For example, as a method of managing user quotas, it is assumed that the quotas are sequentially consumed on a first-come, first-served basis and reset (returns to the original number of quotas) at regular intervals. Further, the information indicating the user quota may include additional conditions for selecting service users whose payment ability exceeds a certain level before granting the user quota. That is, it may be operated so as to allocate user quotas on a first-come, first-served basis to service users who can expect to collect the charge corresponding to the electronic money charged by deferred payment. For example, the additional conditions can be defined in advance based on the service user's usage history of the online service obtained from the data server 300 . As a specific example, the additional condition may be the condition that the number of purchases or the amount of payment in the EC site during a predetermined period exceeds a predetermined threshold.

(Regarding the application condition storage unit 34)
The usage condition storage unit 34 stores information on usage conditions for narrowing down the service users of the electronic payment service to users who can use postpaid charging. For example, as usage conditions, if the usage of electronic money charged using postpaid charging is payment (settlement) at a member store operated by a business operator that introduces electronic payment services, or if the electronic payment service For example, the case of remittance to another user of If these conditions are met, the user is determined to be a user who can use postpaid charging.

(Regarding the control unit 40)
The control unit 40 is a controller, for example, a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executes various programs stored in a storage device inside the payment server 10 using the RAM as a work area. It is realized by being executed. Also, the control unit 40 can be implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 6, the control unit 40 includes a reception unit 41, a provision unit 42, a payment processing unit 43, a determination unit 44, a charge processing unit 45, and an issuing unit 46. implements or executes the information processing functions and actions described below.

(Regarding the reception unit 41)
The reception unit 41 receives billing information. For example, in the example of FIG. 1, the reception unit 41 includes information indicating the user who has charged the fee, information indicating the business operator who charges the user, the amount charged, and the transaction subject to be charged. Billing information is received from the provider server 200 .

Further, the receiving unit 41 may receive notification of billing information to be paid. For example, in the example of FIG. 1, the reception unit 41 receives notification of billing information corresponding to the payment content selected by the user U.

Further, the reception unit 41 receives a request for use of deferred payment charge from the terminal device 100 through the communication unit 20 .

(About the providing unit 42)
The providing unit 42 distributes (provides) billing information. For example, in the example of FIG. 1, the providing unit 42 provides billing information corresponding to the user U, content corresponding to the billing information, and the user U to pay the billing amount corresponding to the billing information. To the terminal device 100, the payment content that is the content for the purpose is distributed.

(Regarding the payment processing unit 43)
The payment processing unit 43 executes payment processing according to the billing information corresponding to the notification received by the reception unit 41 . For example, in the example of FIG. 1, the settlement processing unit 43 remits the billed amount of electronic money from the account of the user U to the billing account corresponding to the notified billing information.

(Regarding the determination unit 44)
The determination unit 44 determines whether or not to permit the service user, who is the source of the request for use of the deferred charge, to use the deferred charge, based on predetermined conditions. For example, the determination unit 44 permits the service user to use the deferred payment charge when there is a vacancy in the predetermined user limit. Further, for example, if the use of electronic money included in the request for use of the deferred charge satisfies a predetermined usage condition, the determination unit 44 uses deferred payment to the service user who is the source of the request for use of the deferred charge. Permit use of electronic money charge. When determining that the service user is permitted to use the postpaid charge, the determination unit 44 notifies the service user that the use of the postpaid charge is permitted. For example, the determination unit 44 can notify that the use of deferred payment charge is permitted by using a push notification or the like through an electronic payment application.

In addition, when the determination unit 44 derives a determination result that the service user is not permitted to use the deferred payment charge, the determination unit 44 may request the service user to verify the identity of the service user. The determination unit 44 can employ arbitrary techniques such as "Digital KYC" and "Polarify eKYC" when authenticating the face image of the service user in the identity verification process. The determination unit 44 can use, for example, a push notification through an electronic payment application to notify the service user that identity verification is required when using deferred payment charging. Then, the determination unit 44 executes identity verification processing in response to a request from the service user, and if the service user succeeds in identity verification, notifies the service user that the use of deferred payment charge is permitted. do. On the other hand, if the service user fails in identity verification, the determination unit 44 notifies the service user that the use of the deferred payment charge cannot be permitted. The determination unit 44 transfers the determination result to the charge processing unit 45 .

(Regarding the charge processing unit 45)
When the charge processing unit 45 receives a request for use of a service that charges electronic money by deferred payment of the charge source, the charge processing unit 45 sends the wallet specified in the use request to the wallet associated with the service user who is the source of the use request. The electronic money equivalent to the charge request amount is charged.

Also, the charge processing unit 45 may charge electronic money equivalent to the charge request amount within the range of the upper limit amount that is defined in advance for each use of the electronic money included in the usage request. For example, if the electronic money is used for payment of household goods and the requested charge amount does not exceed the upper limit amount corresponding to the payment of household goods, the charge processing unit 45 charges electronic money equivalent to the requested charge amount. . On the other hand, if the purpose of the electronic money is to settle household goods and the requested charge amount exceeds the upper limit amount corresponding to the settlement of household goods, the charge processing unit 45 charges electronic money corresponding to the upper limit amount. to charge.

(Regarding the issuing unit 46)
The issuing unit 46 issues an online invoice configured as content having a function that enables the repayment procedure of the charge source for the postpaid charge to be executed on the electronic payment application. For example, the issuing unit 46 issues an online bill after a predetermined period of time has passed since the charge processing unit 45 has charged. In addition, before issuing the online bill, the issuing unit 46 may send a message to the effect that the online bill will be issued in the near future or on a predetermined date through the electronic payment application. In addition, the issuing unit 46 may indicate that the online invoice has been issued before the service user makes the payment (for example, when the online invoice is issued and the content prompting the user to repay is included). ) may be notified.

In addition, the issuing unit 46 publishes information in which the fee for the repayment procedure by the online invoice performed through the electronic payment application and the fee corresponding to the repayment procedure that the user U can select other than the online invoice can be compared. may be included. For example, the issuing unit 46 may include, in the online bill, information that compares the fees for the repayment procedure with an online invoice through an electronic payment application and the fees for the repayment procedure with a paper invoice. good. The online invoice may also include information listing some or all of the payment fees, user fees, and late fees. Note that the issuing unit 46 may provide the service user with the information to compare and publish the fees for each repayment procedure through a push notification or the like by an electronic payment application, in addition to the online invoice.

[4. Processing procedure example]
(4-1. Payment processing flow)
A procedure of settlement processing of the terminal device 100 according to the embodiment will be described below. FIG. 9 shows an example of the procedure of payment processing according to the embodiment.

As shown in FIG. 9, the terminal device 100 determines whether billing information has been received (step S101). If billing information has not been received (step S101; No), the terminal device 100 waits until billing information is received. On the other hand, if billing information has been received (step S101; Yes), the terminal device 100 notifies the user that new billing information has been received (step S102).

Subsequently, the terminal device 100 determines whether or not the user has performed an operation for selecting billing information and making a payment (step S103). If the operation has not been performed (step S103; No), the terminal device 100 waits until the operation is performed. On the other hand, if the operation has been performed (step S103; Yes), the terminal device 100 executes settlement processing for making payment for the bill indicated by the selected billing information (step S104), as shown in FIG. Terminate the procedure.

(4-2. Deferred payment charge processing flow)
A procedure of the deferred payment charge process by the settlement server 10 according to the embodiment will be described below. FIG. 10 shows an example of the procedure of the deferred payment charge process according to the embodiment. The processing procedure shown in FIG. 10 is executed by the control unit 40 of the settlement server 10 . Further, the processing procedure shown in FIG. 10 is repeatedly executed while the payment server 10 is in operation.

As shown in FIG. 10, the accepting unit 41 accepts a postpaid charge utilization request from a service user (for example, user U shown in FIG. 3) (step S201).

Further, the determination unit 44 determines whether or not the service user is permitted to use the deferred payment charge based on a predetermined condition (step S202).

When determining that the service user is permitted to use the postpaid charge (step S202; Yes), the determination unit 44 notifies the service user that the use of the postpaid charge is permitted (step S203).

In addition, the charge processing unit 45 executes postpaid charge to charge the wallet linked to the service user with electronic money equivalent to the requested charge amount specified in the use request for postpaid charge (step S204).

Further, the issuing unit 46 issues an online invoice corresponding to the deferred payment charge to the service user after a predetermined period of time has elapsed since the charge processing unit 45 executed the deferred payment charge, and sends the issued online invoice to the service user. It is provided to the user (step S205), and the processing procedure shown in FIG. 10 ends.

In step S202 described above, when the determination unit 44 determines that the service user is not permitted to use the postpaid charge (step S202; No), the service user identity verification process is performed (step S206). Note that the processing procedure of step S206 may be executed according to the wishes of the service user.

As a result of the identity verification process, if the service user has succeeded in identity verification (step S206; Yes), the determination unit 44 proceeds to the above-described processing procedure of step S203.

On the other hand, if the service user fails in identity verification as a result of the identity verification process (step S206; No), the determination unit 44 notifies the service user that the use of postpaid charges cannot be permitted (step S207). , the processing procedure shown in FIG. 10 is terminated.

[5. Modification]
Embodiments of the information processing apparatus, information processing method, and information processing program according to the present application are not limited to the above examples, and various modifications and applications are possible. Modifications in which various changes and applications are made to the above-described embodiment will be described below.

(5-1. Contents indicated by billing information)
In the above-described embodiment, the content of the bill indicated by the billing information is related to the payment of the public utility charges charged to the user according to the use of water, electricity, gas, etc., but the billing information is as follows. The payment is not limited to such an example, and may be related to payment of a fee with a due date set, or payment of a fee charged to the user for each predetermined period. For example, the contents of the bill indicated by the billing information may be the price of the product purchased in the shopping service, the fee, the rent, the tuition fee, etc. generated in various services (for example, subscription service).

(5-2. Provision of automatic content)
In the above-described embodiment, the provision unit 1523 provides automatic content in the target content corresponding to the target information selected by the user, but the function of the provision unit 1523 is not limited to such an example. For example, when the payment processing unit 1524 executes payment processing using a payment slip, the providing unit 1523 may provide automatic content on a screen indicating that the payment processing has been executed. As a specific example, when the payment processing unit 1524 executes payment processing for the transaction object “electricity” using the payment form, the provision unit 1523 automatically pays the billed amount for the transaction object “electricity”. Automatic content for instructing to that effect is provided on the screen showing that the payment processing has been executed.

(5-3. Electronic money charged by deferred payment charge)
In the above-described embodiment, the payment server 10 may set usage restrictions on the electronic money charged by the deferred charge so that the electronic money charged by the deferred charge can be used only at a specific member store. good. In addition, the settlement server 10 may impose restrictions so that the electronic money charged by deferred payment cannot be withdrawn as cash.

(5-4. Repayment by online invoice)
In the above-described embodiment, the settlement server 10 prioritizes the money balance that cannot be withdrawn as cash when settlement is made from the money balance associated with the service user who used the deferred payment charge based on the billing information of the online bill. You may make it to pay for it.

[6. effect〕
As described above, the settlement server 10 according to the embodiment has the charge processing section 45 and the issuing section 46 . When the charge processing unit 45 receives a request for use of a service that charges electronic money by deferred payment of the charge source, the charge processing unit 45 sends the wallet specified in the use request to the wallet associated with the service user who is the source of the use request. The electronic money corresponding to the charge request amount is charged. The issuing unit 46 configures the repayment procedure of the charge source as content having a function that can be executed on an electronic payment application provided to the service user to use the electronic payment service using electronic money. issue an online invoice.

The settlement server 10 further includes a determination unit 44 that determines whether or not the service user is permitted to charge the electronic money by deferred payment based on predetermined conditions. The charge processing unit 45 charges electronic money corresponding to the charge request amount when the determination unit 44 permits charging of electronic money by deferred payment.

Further, if there is a vacancy in the predetermined user limit, the determination unit 44 permits the service user to charge the electronic money by deferred payment.

Further, if the use of the electronic money included in the use request satisfies a predetermined use condition, the determination unit 44 permits the service user to charge the electronic money by deferred payment.

In addition, the charge processing unit 45 charges electronic money equivalent to the charge request amount within the range of the upper limit amount that is defined in advance for each use of the electronic money included in the usage request.

Further, the issuing unit 46 issues an online invoice after a predetermined period of time has elapsed after the charge processing unit 45 has performed charging.

In addition, the issuing unit 46 includes in the online bill information in which the fee for the repayment procedure by the online bill and the fee corresponding to the repayment procedure that can be selected by the user other than the online bill can be compared.

In this way, the payment server 10 according to the embodiment can improve the usability of prepaid electronic payment through the processing executed by the above-described units or any combination of the units.

[6. Hardware configuration]
Also, the settlement server 10 according to the above-described embodiments is implemented by, for example, a computer 1000 configured as shown in FIG. FIG. 11 shows an example of a computer that implements the functions of the settlement server 10 according to the embodiment.

As shown in FIG. 11, a computer 1000 is connected to an output device 1010 and an input device 1020, and has an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080. It has a form connected by a bus 1090 .

Arithmetic device 1030 operates based on programs stored in primary storage device 1040 and secondary storage device 1050, programs read from input device 1020, and the like, and executes various types of processing. The primary storage device 1040 is a memory device such as a RAM that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used for various calculations by the arithmetic device 1030 and various databases are registered, and is implemented by a ROM (Read Only Memory), HDD, flash memory, or the like.

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various types of information such as a monitor and a printer. It is realized by a connector conforming to a standard such as HDMI (registered trademark) (High Definition Multimedia Interface). Also, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, scanner, etc., and is implemented by, for example, USB.

Note that the input device 1020 includes, for example, optical recording media such as CDs (Compact Discs), DVDs (Digital Versatile Discs), PDs (Phase change rewritable discs), magneto-optical recording media such as MOs (Magneto-Optical discs), and tapes. It may be a device that reads information from a medium, a magnetic recording medium, or a semiconductor memory. Also, the input device 1020 may be an external storage medium such as a USB memory.

Network IF 1080 receives data from other devices via network N and sends the data to arithmetic device 1030, and also transmits data generated by arithmetic device 1030 via network N to other devices.

The arithmetic device 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070 . For example, arithmetic device 1030 loads a program from input device 1020 or secondary storage device 1050 onto primary storage device 1040 and executes the loaded program.

For example, when the computer 1000 functions as the payment server 10, which is an example of the information processing device according to the embodiment, the computing device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040. By executing it, a function similar to that of the control unit 40 is realized. That is, the computing device 1030 realizes processing by the payment server 10 according to the embodiment in cooperation with a program (for example, an information processing program) loaded on the primary storage device 1040 .

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications. Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

Further, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can also be performed manually. All or part of the processing can also be performed 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 one shown in the figure, 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 determination unit 44, charge processing unit 45, and issuing unit 46 included in the control unit 40 of the settlement server 10 according to the embodiment may be functionally integrated.

In addition, the configuration of the settlement server 10 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the controller can be read as control means or a control circuit.

10 settlement server 20 communication unit 30 storage unit 31 account database 32 billing information database 34 user limit information storage unit 35 usage condition storage unit 40 control unit 41 reception unit 42 provision unit 43 payment processing unit 44 determination unit 45 charge processing unit 46 issue Unit 100 Terminal device 110 Communication unit 120 Storage unit 130 Camera 140 Touch panel 150 Control unit 151 First application 152 Second application 1521 Receiving unit 1522 Notification unit 1523 Providing unit 1524 Payment processing unit 1525 Display control unit

Claims (9)

When a request for use of a service that charges electronic money by deferred payment of charge funds is received, the wallet associated with the user who sent the use request is equivalent to the requested charge amount specified in the use request. a charge processing unit that charges electronic money to
Online billing configured as content having a function that allows the repayment procedure of the charge source to be executed on an electronic payment application provided to the user in order to use the electronic payment service using the electronic money. An information processing apparatus comprising: an issuing unit that issues a document; a determination unit that determines whether or not the user is permitted to charge the electronic money by deferred payment based on predetermined conditions,
The charge processing unit is
2. The information processing apparatus according to claim 1, wherein, when the determination unit permits the electronic money charge by the deferred payment, the electronic money equivalent to the charge request amount is charged. The determination unit is
3. The information processing apparatus according to claim 2, wherein if there is a vacancy in a predetermined user limit, the user is permitted to charge the electronic money by the deferred payment. The determination unit is
3. The method according to claim 2, wherein if the use of the electronic money included in the use request satisfies a predetermined use condition, the user is permitted to use the charge of the electronic money by deferred payment. Information processing equipment. The charge processing unit is
2. The information processing apparatus according to claim 1, wherein the electronic money equivalent to the charge request amount is charged within a range of an upper limit amount previously defined for each use of the electronic money included in the usage request. . The issuing unit
2. The information processing apparatus according to claim 1, wherein the online invoice is issued after a predetermined period of time has passed since the charging by the charging processing unit. The issuing unit
The online bill includes information in which the charge for the repayment procedure by the online bill and the charge corresponding to the repayment procedure that can be selected by the user other than the online bill are listed in a comparable state. The information processing apparatus according to claim 1, wherein: A computer-executed information processing method comprising:
When a request for use of a service that charges electronic money by deferred payment of charge funds is received, the wallet associated with the user who sent the use request is equivalent to the requested charge amount specified in the use request. a charge processing step of charging electronic money to
Online billing configured as content having a function that allows the repayment procedure of the charge source to be executed on an electronic payment application provided to the user in order to use the electronic payment service using the electronic money. An information processing method characterized by comprising: an issuing step of issuing a document; to the computer,
When a request for use of a service that charges electronic money by deferred payment of charge funds is received, the wallet associated with the user who sent the use request is equivalent to the requested charge amount specified in the use request. a charge processing procedure for charging electronic money to be used;
Online billing configured as content having a function that allows the repayment procedure of the charge source to be executed on an electronic payment application provided to the user in order to use the electronic payment service using the electronic money. An information processing program characterized by executing: an issuing procedure for issuing a document;

Images