JP7217827B1 - Information processing device and information processing method - Google Patents

Abstract

An object of the present invention is to improve user convenience. An information processing device (1) includes a storage unit (12) that stores a usage limit indicating an amount that a user can settle in association with a user ID for identifying the user, and a first a receiving unit 131 that receives a request from the user terminal 2 or the second user terminal 3 used by the second user to transfer at least part of the first user's available credit limit to the second user; When the transfer request is received, the available credit limit associated with the user ID of the first user is decreased in the storage unit 12, and the available credit limit associated with the user ID of the second user is increased in the storage unit 12. and a setting unit 132 for setting. [Selection drawing] Fig. 2

Description

The present invention relates to an information processing apparatus and an information processing method for setting a usage limit for a predetermined payment method.

In a deferred payment method such as a credit card, a usage limit is set to indicate the amount of money that the user can settle within a predetermined period using the payment method (see Patent Document 1, for example).

JP 2014-235567 A

The usage limit is based on information such as annual income and age entered by the user at the time of application for use of the service related to the payment method of the deferred payment method, and the user's service usage record at other companies accumulated by the service provider, etc. and then updated according to usage history. For users who have applied for the service for the first time and users who are young, the usage limit is set low, which is inconvenient for these users.

Accordingly, the present invention has been made in view of these points, and an object of the present invention is to improve user convenience.

An information processing apparatus according to a first aspect of the present invention includes a storage unit that stores a usage limit indicating an amount that can be settled by the user in association with user identification information for identifying the user; Alternatively, a receiving unit that receives a request from a terminal used by a second user to transfer at least part of the available credit limit of the first user to the second user, and the receiving unit receives the transfer request. and reducing the usage limit associated with the user identification information of the first user in the storage unit, and the usage limit associated with the user identification information of the second user in the storage unit and a setting unit for increasing the available frame.

When receiving the transfer request from the second user, the reception unit receives approval for transfer of the available credit limit corresponding to the transfer request from the first user, and the setting unit Upon receiving the approval, the usage limit corresponding to the first user may be decreased and the usage limit corresponding to the second user may be increased.

The accepting unit accepts selection of a user who does not require the approval from the first user, and the setting unit, when the second user who has made the transfer request is a user who does not require the approval, The usage limit corresponding to the first user may be reduced, and the usage limit corresponding to the second user may be increased by omitting the approval by the reception unit.

The information processing device receives privilege information indicating a privilege given to the first user from the second user in response to the increase in the usage limit corresponding to the second user, and accepts the privilege information. It may further include a privilege granting unit that grants a privilege indicated by the privilege information to the first user.

The storage unit stores the user identification information, the available credit limit, information indicating whether or not the credit limit has been transferred, and information indicating whether the credit limit can be reassigned. The reception unit stores, from the terminal used by the user, the untransferable usage limit and the retransferable usage amount among the usage limits associated with the user identification information of the user. may accept a transfer request for at least a portion of

The receiving unit receives the transfer request and product identification information for identifying a product purchasable in the transfer limit, which is the available limit transferred from the first user to the second user, When the accepting unit accepts the transfer request and the product identification information, the setting unit associates the transfer quota with the user identification information of the second user in the storage unit, so that the second user's The available credit limit may be increased, and the transfer credit limit may be stored in association with the received product identification information.

The storage unit associates and stores the user identification information of the user and user information that associates information about the user, and the reception unit stores the first user and a predetermined user information based on the user information. The second user having a relationship may be specified, and the transfer request may be received from the first user or the specified second user.

The setting unit sets the scheduled payment date of the settlement amount corresponding to the usage quota transferred to the second user to the scheduled payment date of the usage quota previously associated with the first user. good too.
The setting unit sets the scheduled payment date of the settlement amount corresponding to the credit limit transferred to the second user to the scheduled payment date of the credit limit pre-associated with the second user. good too.

On the condition that the scheduled payment date corresponding to the usage limit corresponding to the first user is after the scheduled payment date corresponding to the usage limit corresponding to the second user , the transfer request may be received.

When a predetermined period elapses after the usage limit associated with the user identification information of the second user is increased, the setting unit stores the user information of the first user in the storage unit. The usage limit associated with the identification information may be increased, and the usage limit associated with the user identification information of the second user may be decreased in the storage unit.

When a settlement amount is allocated to a part of the usage limit of the first user, the reception unit selects at least part of the usage limit to which the settlement amount is not allocated, the second may accept a transfer request to another user.

The storage unit stores the available credit limit corresponding to a predetermined payment method in association with the user identification information, and the setting unit stores, when the reception unit receives the transfer request, the storage unit reducing the available limit corresponding to the predetermined payment method associated with the user identification information of one user, and reducing the predetermined limit associated with the user identification information of the second user in the storage unit; may be increased.

The storage unit stores the usage limit for a unit period in association with the user identification information, and the setting unit stores the first user's limit in the storage unit when the reception unit receives the transfer request. reducing the available credit limit for the unit period associated with the user identification information, and increasing the available credit limit for the unit period associated with the user identification information of the second user in the storage unit You may

The information processing apparatus bills the second user for a billed amount, which is the total amount settled by the second user, and the second user completes payment of the billed amount by the payment date. If not, the method may further include a billing unit for billing the first user for the billed amount.

The billing unit may bill the first user for a billing amount indicating the usage limit when the billing amount exceeds the usage limit transferred to the second user.

The storage unit stores payment record information in which the user identification information of the user and the payment record of the amount settled by the user are associated, and the reception unit stores the user identification information of the second user. A transfer request to the second user may be accepted when the associated payment record satisfies a predetermined condition.

An information processing method according to a second aspect of the present invention is executed by a computer, from a terminal used by a first user or a second user, a usage limit indicating an amount that can be settled by the first user. receiving a transfer request to at least a portion of said second user; and upon receiving said transfer request, storing said usage limit corresponding to said user in association with user identification information for identifying the user. reducing the available credit limit associated with the user identification information of the first user in the storage unit, and reducing the available credit limit associated with the user identification information of the second user in the storage unit and increasing the amount.

ADVANTAGE OF THE INVENTION According to this invention, it is effective in the ability to improve a user's convenience.

It is a figure which shows the outline|summary of an information processing apparatus. It is a figure which shows the functional structure of an information processing apparatus. FIG. 10 is a diagram showing an example of available credit limit information; It is a figure which shows an example of user information. It is a figure which shows an example of payment information. FIG. 5 is a diagram showing an example of billing amount information; 4 is a flow chart showing the flow of processing of the information processing apparatus;

[Overview of information processing device 1]
FIG. 1 is a diagram showing an outline of an information processing device 1. As shown in FIG. The information processing device 1 is a computer that adjusts a usage limit that indicates the amount of money that a user can settle using a predetermined settlement means. The predetermined payment method is a payment method of a deferred payment method, for example, a payment method using a predetermined credit card.

As shown in FIG. 1, the information processing apparatus 1 is associated with a user ID (Identification) as user identification information for identifying a user, and indicates the amount of money that the user can settle in a unit period using a predetermined settlement method. Stores the available frame that indicates the size. The unit period is a period during which the settlement amounts to be billed by the deferred payment means are aggregated, and is, for example, a period from the closing date of a certain month to the elapse of one month. A user ID is, for example, an ID given to a user by a payment business operator who performs payment according to a predetermined payment method. If the predetermined payment method is a payment method using a credit card, the user ID may be a card number.

The information processing apparatus 1 includes a first user terminal 2 used by a first user who is the user to whom the usage limit is transferred and a second user terminal 3 which is used by the second user who is the user to whom the usage limit is transferred. and are communicably connected via a communication network such as the Internet or a wireless LAN (Local Area Network). The information processing device 1 receives a request from the first user terminal 2 or the second user terminal 3 to transfer at least part of the first user's available credit limit to the second user.

Upon receiving the transfer request, the information processing device 1 decreases the usage limit associated with the first user's user ID and increases the usage limit associated with the second user's user ID. By doing so, even if the second user is a user who has applied for a service related to a predetermined payment method for the first time or is a young user, it is possible to increase the usage limit of the second user. The convenience for the second user can be improved.

[Functional Configuration of Information Processing Apparatus 1]
Next, the details of the configuration of the information processing device 1 will be described. FIG. 2 is a diagram showing a functional configuration of the information processing device 1. As shown in FIG. The information processing device 1 has a communication section 11 , a storage section 12 and a control section 13 .
The communication unit 11 is a communication interface for transmitting and receiving data to and from the first user terminal 2 and the second user terminal 3 via a network such as the Internet.

The storage unit 12 is a storage medium that stores various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores programs executed by the control unit 13 . The storage unit 12 stores a program that causes the control unit 13 to function as a reception unit 131 , a setting unit 132 , a privilege provision unit 133 , a payment request reception unit 134 , a payment processing unit 135 and a billing unit 136 .

In addition, the storage unit 12 stores a usage limit indicating the amount of money that the user can pay in a unit period using a predetermined payment method, in association with the user ID for identifying the user. Specifically, the storage unit 12 stores usage limit information that associates at least a user ID with a usage limit for a unit period.

FIG. 3 is a diagram showing an example of available quota information. As shown in FIG. 3, the available credit limit information includes a user ID, a credit limit ID for identifying a credit limit for a unit period corresponding to a predetermined payment method, an amount indicating the credit limit, and a transfer flag. , a transferability flag, a transferee user ID, a transferor user ID, a product ID of a purchasable product, a transfer deadline, and a scheduled payment date.

The transfer flag is information indicating whether the available frame has been transferred, has been transferred, or has been originally assigned to the user and has not been transferred. In the example shown in FIG. 3, when the value of the transfer flag is "0", it indicates that the usage quota was originally assigned to the user, and when it is "1", the usage quota has been transferred. If it is "2", it indicates that the usage limit has been transferred.

The transfer destination user ID indicates the user ID of the user to whom the usage limit is transferred, and the transfer source user ID indicates the user ID of the user to whom the usage limit is transferred. In the example shown in FIG. 3, the usage limit "-100000" associated with the user ID "U0001" and the usage limit "100000" associated with the user ID "U0002" 100000 Yen of the settlement limit of the user has been transferred to the user with the user ID "U0002".

The product ID of the purchasable product indicates the product ID of the product that can be purchased according to the associated usage limit. If the product ID of the purchasable product is not specified, it indicates that the purchasable product is not limited by the usage limit. In the usage limit information shown in FIG. 3, the product ID of the product that can be purchased is associated with the usage limit, but the product ID may not be associated with the usage limit. Also, category information indicating categories of purchasable products may be stored in association with the available limit.

The transfer deadline indicates the deadline for transferring the usage limit. When the transfer deadline associated with the usage limit has passed, the usage limit is returned to the transferor. For example, "June 2022" is associated as the transfer deadline with the usage limit "100000" associated with the user ID "U0002". Therefore, when June 2022 expires, the usage limit will be returned to the user with the user ID "U0001" who is the transfer source user. The scheduled payment date is the scheduled date on which the total settlement amount, which is the total settlement amount settled corresponding to the usage limit, will be paid from the user's bank account to the settlement operator.

The storage unit 12 also stores user information in which the user ID of the user and information about the user are associated with each other. FIG. 4 is a diagram showing an example of user information. As shown in FIG. 4, the user information is information in which a user ID is associated with user's personal information such as the user's name, address, age, and occupation as information about the user. The user information is used, for example, to identify other users who have a family relationship or a cohabiting relationship as a predetermined relationship with the user.

The user information may be information on a contract with a user who uses a given service managed by an operator who provides the given service. For example, user information includes the user's personal information included in the contract information concluded with the user when a telecommunications carrier that provides the user with a mobile phone communication service using a mobile communication line makes a contract with the user. You can stay.

The storage unit 12 also stores payment information that associates the user's user ID with the user's payment amount. FIG. 5 is a diagram showing an example of payment information. As shown in FIG. 5, the payment information is information that associates at least the user ID, the payment date, which is the date when the payment was made, the payment amount, and the frame ID of the usage limit to which the payment amount is allocated. is. The payment information is used to calculate the amount billed to the user.

The storage unit 12 also stores billing amount information in which the user ID of the user is associated with the billing amount, which is the total billing amount in the unit period for which the user's billing amount is aggregated. FIG. 6 is a diagram showing an example of billing amount information. As shown in FIG. 6, in the billing amount information, it can be confirmed that the billing amount is associated with the user ID. The billing amount information is used to bill the user for the billing amount.

The control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 functions as a reception unit 131, a setting unit 132, a privilege provision unit 133, a payment request reception unit 134, a payment processing unit 135, and a billing unit 136 by executing programs stored in the storage unit 12. .

The reception unit 131 transmits from the first user terminal 2 used by the first user or the second user terminal 3 used by the second user to the second user at least a part of the first user's available quota. accept requests for transfer of

For example, the reception unit 131 identifies a second user having a predetermined relationship with the first user based on user information stored in the storage unit 12 . A predetermined relationship is, for example, that the first user and the second user have a family relationship or a cohabiting relationship. The reception unit 131 refers to the user information stored in the storage unit 12 and identifies a second user having a predetermined relationship with the first user.

The receiving unit 131 receives from the first user terminal 2 of the first user a request to display a transfer receiving screen for transferring the available credit limit to the second user. Upon receiving the display request, the receiving unit 131 includes information indicating one or more second users identified as having a predetermined relationship with the first user as candidates for the transferee of the available credit limit, and the second user and displays on the first user terminal 2 a transfer acceptance screen for accepting the amount of the available credit limit to be transferred to the second user. Here, the information indicating the user is, for example, the user ID of the user or the name of the user included in the user information. The accepting unit 131 accepts the selection of the second user, who is the transfer destination user, via the transfer acceptance screen displayed on the first user terminal 2, and determines the amount of the available credit limit to be transferred to the second user. By accepting, a transfer request for the available credit limit is accepted from the first user.

Further, the reception unit 131 receives a request from the second user terminal 3 of the second user to display a transfer reception reception screen for having the available credit limit transferred from the first user. When receiving a request to display the transferee reception screen, the reception unit 131 includes information indicating one or more first users identified as having a predetermined relationship with the second user as candidates for the transfer source of the available credit limit, The second user terminal 3 is caused to display a transferee acceptance screen for accepting the first user's selection. The accepting unit 131 accepts the selection of the first user, who is the transfer source user, via the transferee acceptance screen displayed on the second user terminal 3, and also accepts the usage limit for requesting the first user to transfer. By accepting the amount of , a transfer request for the available credit limit is accepted from the second user. By doing so, the information processing apparatus 1 can transfer the available credit limit only when the first user and the second user are on a trustworthy relationship.

Here, when the payment amount is allocated to a part of the usage limit of the first user, the reception unit 131 selects at least a part of the usage limit to which no payment amount is allocated to the second user. may accept requests for transfer to For example, the reception unit 131 refers to the payment information stored in the storage unit 12, and totals the payment amount associated with the user ID of the first user in the aggregation target period for which the payment amount is aggregated. By doing so, it is identified as the amount of money allocated to the first user's usage limit. The aggregation target period is a unit period corresponding to a predetermined settlement method, and is a period from the day following the previous closing date to the current closing date.

Then, the reception unit 131 subtracts the total payment amount from the first user's available credit limit, and the settlementable balance, which is the remaining amount that the first user can settle using a predetermined payment method during the aggregation target period. Calculate The accepting unit 131 accepts the amount of the available credit limit to be transferred, with the calculated settlementable balance as the upper limit. By doing so, the information processing apparatus 1 can calculate the settlement amount to be allocated to the first user's usage limit after transfer of the usage limit and the usage limit transferred by the first user to the second user. It is possible to prevent the total amount with the payment amount allocated to the first user from exceeding the usage limit of the first user before the transfer.

In addition, the reception unit 131 receives from the first user terminal 2 or the second user terminal 3, among the usage slots associated with the user ID of the first user, the usage slots that have not been assigned and the slots that can be reassigned. A transfer request for at least part of the usage amount may be accepted. In this case, the receiving unit 131 makes a transfer request to the second user for at least a portion of the available credit limit whose transfer flag value is “0” and the credit limit whose transferability flag value is “1”. accept. By doing so, the information processing device 1 can prevent the reassignment of the available credit limit, which is not permitted to be reassigned.

In addition, the transferred usage limit is not reassigned, but reassignment of the transferred usage limit to another user may be permitted according to the instruction of the first user. In this case, the reception unit 131 may receive permission from the first user to reassign the available credit limit to be transferred to the second user on the transfer acceptance screen.

In addition, the reception unit 131 receives a usage limit transfer request and one or more product IDs for identifying products that can be purchased in the transfer limit, which is the usage limit transferred from the first user to the second user. Or you may accept the category of goods. By doing so, the information processing apparatus 1 can prevent the transfer frame from being allocated a payment related to the purchase of a product that the first user does not want.

Further, upon receiving a transfer request from the second user, the receiving unit 131 may receive approval of transfer of the available credit limit corresponding to the transfer request from the first user. For example, when receiving a transfer request from the second user, the receiving unit 131 stores information indicating that the transfer request for the available credit limit has been received from the second user in the first user terminal 2 of the first user. Display the approval acceptance screen for accepting approval of the request. The reception unit 131 receives approval for transfer of the available credit limit from the first user via the approval reception screen.

Here, when receiving a transfer request from the second user, the receiving unit 131 receives approval of the transfer of the available credit limit from the first user, but the present invention is not limited to this. If a transfer request is received from a second user for which approval is not required by the first user, approval for transfer of the available credit limit may not be received from the first user.

In this case, the reception unit 131 receives selection of a user who does not require approval of the available usage limit from the first user. For example, the reception unit 131 causes the first user terminal 2 to display information indicating one or more second users who have a predetermined relationship with the first user, and receives approval of the usage limit from the first user. Accept the selection of the second user who does not need it. The reception unit 131 causes the storage unit 12 to store non-approval setting information in which the user ID of the first user and the selected user ID of the second user are associated with each other. The receiving unit 131 refers to the non-approval setting information, and the second user who has made the transfer request is the second user selected by the first user as a second user who does not require approval of the usage quota. If it is determined that there is, control is performed so as not to accept the approval of the available limit. Further, when the receiving unit 131 determines that the second user who has made the transfer request is the second user for whom the first user needs to approve the usage limit, the reception unit 131 receives the usage limit from the first user. Accept approval. By doing so, the approval of the available limit is accepted only for the second user who required the approval of the first user, so the burden on the first user can be reduced.

In addition, the storage unit 12 may store payment history information in which the user ID of the user and the payment history of the amount settled by the user are associated with each other. Then, the accepting unit 131 may accept a transfer request to the second user when the payment record associated with the user ID of the second user satisfies a predetermined condition.

In this case, the payment record may be information indicating at least one of the number of times the payment of the second user's predetermined payment means was not delayed and the number of times the payment was delayed. The reception unit 131 identifies the payment record associated with the user ID of the second user. For example, if the number of times payment was not delayed indicated by the payment history associated with the user ID of the user is equal to or greater than the first number of times and the number of times payment was delayed is less than the second number of times Alternatively, a transfer request to the second user may be accepted. In this way, the information processing apparatus 1 can accept transfer requests only from users who are likely to have no problem paying even if the usage limit is increased, and increase the usage limit.

In addition, the receiving unit 131 accepts the transfer on the condition that the scheduled payment date corresponding to the usage limit corresponding to the first user is after the scheduled payment date corresponding to the usage limit corresponding to the second user. May accept requests. For example, when the first user cancels a service related to a predetermined payment method, the first user's usage limit expires when the scheduled payment date corresponding to the usage limit corresponding to the first user passes. , the usage limit transferred to the second user also disappears. On the other hand, by accepting the transfer request on the condition that the scheduled payment date corresponding to the usage limit of the first user is after the scheduled payment date corresponding to the usage limit of the second user, It is possible to prevent the usage limit transferred to the second user from disappearing.

When the accepting unit 131 accepts the transfer request, the setting unit 132 reduces the usage quota for the unit period associated with the user ID of the first user in the usage quota information stored in the storage unit 12, The usage limit for the unit period associated with the user ID of the second user in the usage limit information is increased.

Specifically, when the accepting unit 131 accepts the transfer request, the setting unit 132 reduces the usage limit for the user ID of the first user in the usage limit information stored in the storage unit 12. By associating and storing information indicating that, the usage limit corresponding to the first user is reduced. In the example shown in FIG. 3, the information indicating that the available credit limit has been reduced is information indicating the credit limit for which the transfer flag associated with the user ID "U0001" is "1". In this case, the setting unit 132 associates the user ID of the user to whom the available credit limit is transferred with the information indicating the available credit limit whose transfer flag is “1” and stores the associated information.

Further, when the accepting unit 131 accepts the transfer request, the setting unit 132 indicates that the usage limit has been increased for the user ID of the second user in the usage limit information stored in the storage unit 12. By associating and storing the information, the usage limit corresponding to the second user is increased. In the example shown in FIG. 3, the information indicating that the available credit limit has been increased is information indicating the credit limit for which the transfer flag associated with the user ID "U0002" is "2". In this case, the setting unit 132 associates the user ID of the user who transferred the available credit limit with the information indicating the available credit limit whose transfer flag is “2” and stores the associated information.

Further, when the accepting unit 131 accepts approval from the first user for transfer of the available credit limit corresponding to the transfer request, the setting unit 132 associates with the first user when the accepting unit 131 accepts the approval. The usage limit corresponding to the predetermined payment method associated with the second user is decreased, and the usage limit corresponding to the predetermined payment method associated with the second user is increased. Further, when the second user who has made the transfer request is a user who does not require approval, the setting unit 132 omits approval by the reception unit 131, reduces the usage limit corresponding to the first user, and 2 increase the usage limit corresponding to user 2.

Further, when the receiving unit 131 receives a transfer request for the available credit limit and the product ID or product category of each of one or more products that can be purchased with the available credit limit, the setting unit 132 stores the second By newly associating the usable limit with the user ID of the user, the usable limit of the second user is increased, and the usable limit is associated with the accepted product ID or product category and stored.

Further, when the accepting unit 131 accepts permission to reassign the usage quota from the first user, the setting unit 132 associates the usage quota with the usage quota newly associated with the user ID of the second user in the storage unit 12. The transferability flag is set to "1". Further, when the accepting unit 131 does not accept permission to reassign the usage quota from the first user, the setting unit 132 associates the usage quota with the usage quota newly associated with the user ID of the second user in the storage unit 12 . The assigned transferability flag is set to "0".

In addition, the setting unit 132 associates the scheduled payment date of the total payment amount corresponding to the credit limit transferred from the first user to the second user with the credit limit pre-associated with the second user. Set to the scheduled payment date for the total settlement amount. Specifically, the setting unit 132 sets the scheduled payment date associated with the credit limit transferred from the first user to the second user in the credit limit information stored in the storage unit 12. It is set to the scheduled payment date corresponding to the usage limit with the transfer flag of "0", which is pre-associated with the second user. By doing so, the payment corresponding to the transferred credit limit and the payment corresponding to the credit limit previously associated with the second user are made on the same day. It becomes easier for the user to manage the payment corresponding to the predetermined payment means.

Note that the setting unit 132 sets the scheduled payment date corresponding to the credit limit transferred from the first user to the second user as the scheduled payment date corresponding to the credit limit pre-associated with the second user. , but it is not limited to this. The setting unit 132 sets the scheduled payment date of the credit limit transferred from the first user to the second user to the scheduled payment date of the total settlement amount corresponding to the credit limit associated with the first user. May be set.

Further, when a predetermined period has elapsed since the usage limit associated with the user ID of the second user was increased, the setting unit 132 increases the usage limit associated with the user ID of the first user in the storage unit 12. The available limit associated with the user ID of the second user in the storage unit 12 is decreased.

For example, the setting unit 132 deletes, from the available credit limit information stored in the storage unit 12, information indicating a credit limit whose transfer deadline is earlier than the current date and time, so that the first user's user The usage limit associated with the ID is increased, and the usage limit associated with the user ID of the second user in the storage unit 12 is decreased.

Note that the available credit limit information may store credit limit flag information indicating whether or not the credit limit is valid. In the usage quota information stored in the storage unit 12, the setting unit 132 sets the usage quota validity flag information corresponding to the usage quota whose transfer deadline is earlier than the current date and time to indicate that the usage quota is valid. is changed to information indicating that the usage limit is invalid, the usage limit for the first user may be increased and the usage limit for the second user may be decreased. By doing so, the increase in the usage limit of the second user is temporary, and the total payment amount of the second user is constantly larger than the usage limit allocated in advance to the user. can be prevented from becoming

When the usage limit of the first user is increased and the usage limit of the second user is decreased, the setting unit 132 sends notification information indicating that the usage limit has been transferred to the first user's usage limit. The first user terminal 2 and the second user terminal 3 of the second user are notified. The notification information may include information indicating the amount of the transferred credit limit and information indicating the deadline for transfer of the credit limit.

The privilege granting unit 133 receives privilege information indicating a privilege to be granted from the second user to the first user in response to the increase in the usage limit corresponding to the second user. The privilege granting unit 133 grants the privilege indicated by the received privilege information to the first user.

For example, the privilege granting unit 133 receives privilege information indicating a privilege to be granted from the second user to the first user on the transfer acceptance screen. The privilege is, for example, at least part of electronic money or a coupon held by the second user. The privilege providing unit 133 provides privilege information received from the second user in response to the usage limit corresponding to the second user being increased and the usage limit corresponding to the first user being decreased. to the first user. By doing so, the first user can obtain a profit by transferring the usage limit to the second user.

The payment request receiving unit 134 receives payment requests for payments using predetermined payment methods corresponding to users using predetermined payment methods, including the first user and the second user. If the predetermined payment method is a credit card, the payment request receiving unit 134 receives the user ID and the shop ID for identifying the shop where the user makes payment from a shop terminal (not shown) provided at the shop. , receives a payment request including the payment amount and the product ID of the product purchased by the user.

Note that the payment request receiving unit 134 may receive a payment request for payment using a predetermined payment method according to a payment method using a code. Payment methods using codes include a CPM (Consumer Presented Mode) payment method and an MPM (Merchant Presented Mode) payment method. In the CPM method, a payment code such as a two-dimensional bar code is displayed on a user terminal, and a payment request is sent from the shop to the information processing device 1 in response to the payment code being read by the shop. In this method, payment is made by In the MPM method, a payment code is presented at a store, and payment is made by transmitting a payment request from the user terminal to the information processing device 1 in response to the payment code being read by the user terminal. method.

The payment processing unit 135 performs payment processing when the payment request receiving unit 134 receives the payment request. Specifically, the payment processing unit 135 executes a process of depositing the payment amount included in the payment request into the account of the store identified by the store ID included in the payment request. The payment processing unit 135 associates the user ID, the payment amount, the product ID, the payment ID of the usage limit to which the payment amount is allocated, and the date and time when the payment request is received, which are included in the payment request, into the payment information. is stored in the storage unit 12 as.

Here, in the payment quota information, when a plurality of usage quotas are associated with the user ID, the payment processing unit 135 determines that the usage quota that is assigned in advance to the user, that is, the transfer flag is set to “0”. Allocate the settlement amount with priority from the possible limit. In addition, the settlement processing unit 135 allocates the settlement amount for the usage quota to the usage quota not associated with the product ID, and allows the settlement amount only for the usage quota associated with the product ID. In this case, if the product ID included in the payment request is not included for one or more product IDs associated with the usage limit, the payment corresponding to the payment request will not be performed. , the error information may be transmitted to the store terminal.

In addition, when the product ID included in the payment request matches the product ID associated with the usage limit, the payment processing unit 135 gives priority to the usage limit associated with the product ID. The settlement amount may be assigned by

The billing unit 136 calculates the amount billed to the user who used the predetermined payment method, and bills the user for the billed amount. For example, the billing unit 136 refers to the billing information and calculates the billed amount corresponding to each frame ID by totaling the settlement amounts for each of the one or more users in the unit period for each frame ID. The billing unit 136 bills the user having the user ID associated with the frame ID for the billing amount corresponding to each calculated frame ID.

For example, the storage unit 12 stores the user ID of the user, financial institution information indicating the financial institution from which the billed amount is withdrawn, and the account number of the user at the financial institution in association with each other. Based on the financial institution information and the account number associated with the user ID, the billing unit 136 transmits a transfer request request for account transfer of the billed amount to the financial institution indicated by the financial institution information.

The billing unit 136 bills the second user for the amount billed, which is the total amount settled by the second user. Bill the first user for the billed amount. In this case, if the billed amount for which payment has not been completed exceeds the usage limit transferred from the first user to the second user, the billing unit 136 pays the billed amount corresponding to the usage limit to the first user. users. In this way, if the second user fails to pay the billed amount, the bill can be billed to the first user, thereby reducing the risk that the settlement company will not be able to collect the billed amount. be able to.

[Operation flow]
Next, the processing flow of the information processing device 1 will be described. FIG. 7 is a flowchart showing the processing flow of the information processing apparatus 1. As shown in FIG.
First, the accepting unit 131 acquires a request to display a transfer accepting screen or a transferee accepting screen from the first user terminal 2 of the first user or the second user terminal 3 of the second user (S1).

Subsequently, the accepting unit 131 determines whether a request to display the transfer acceptance screen or a request to display the transferee acceptance screen has been acquired (S2). When the reception unit 131 determines that the display request for the transfer reception screen has been obtained (YES in S2), the process proceeds to S3, where the second user to whom the available credit limit is transferred is selected, and the available credit limit to be transferred is selected. By accepting the amount of money, the transfer request for the available credit limit is accepted (S3).

When the reception unit 131 determines that the display request for the transfer reception reception screen has been acquired (NO in S2), the processing proceeds to S4, where the first user who requests the transfer is selected and the amount of the available credit limit to be transferred. is accepted (S4). Subsequently, the reception unit 131 displays, on the first user terminal 2 of the first user, an approval reception screen for accepting approval of the transfer request, including information that the transfer request for the available quota has been received from the second user. and receive approval for transfer of the available credit limit from the first user (S5).

Subsequently, the setting unit 132 reduces the usage quota for the unit period associated with the user ID of the first user in the usage quota information stored in the storage unit 12, and reduces the usage quota in the usage quota information to the second The first user transfers the usage limit to the second user by increasing the usage limit for the unit period associated with the user ID of the user (S6).

Subsequently, the setting unit 132 increases the usage limit of the first user and decreases the usage limit of the second user, and sends notification information indicating that the usage limit has been transferred to the first user. The first user terminal 2 of the user and the second user terminal 3 of the second user are notified (S7).

[Modification]
In the above-described embodiment, the receiving unit 131 identifies the second user having a predetermined relationship with the first user, and receives a transfer request from the first user or the second user having the predetermined relationship. However, it is not limited to this.

Upon receiving a request from the first user terminal 2 to display a transfer acceptance screen for transferring the available credit limit to the second user, the accepting unit 131 accepts the user ID of the second user, thereby obtaining the second It may be specified by the user. Further, upon receiving a request from the second user terminal 3 to display a transferee reception screen for having the available credit limit transferred from the first user, the reception unit 131 receives the user ID of the first user. may accept the designation of the first user. In this case, the first user and the second user may not have a predetermined relationship such as a family relationship or a cohabiting relationship. By doing so, the information processing apparatus 1 can transfer the usage limit even if the first user and the second user do not have a predetermined relationship.

[Effect of information processing device 1]
As described above, the information processing apparatus 1 according to the present embodiment stores, in association with the user ID, the usage limit indicating the amount of money that the user can settle, and the first user terminal used by the first user. 2 or from a second user terminal 3 used by a second user, a request for transferring at least part of the first user's available credit limit to the second user is accepted. Upon receiving the transfer request, the information processing device 1 decreases the usage limit associated with the first user's user ID and increases the usage limit associated with the second user's user ID. By doing so, the information processing apparatus 1 can improve user convenience.

The present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Industry and technological innovation."

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist thereof. be. For example, all or part of the device can be functionally or physically distributed and integrated in arbitrary units. In addition, new embodiments resulting from arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

1 information processing device 2 user terminal 11 communication unit 12 storage unit 13 control unit 131 reception unit 132 setting unit 133 privilege provision unit 134 payment request reception unit 135 payment processing unit 136 billing unit

Claims (19)

a storage unit that stores a usage limit indicating an amount that can be settled by the user in association with user identification information for identifying the user;
a receiving unit that receives a request from a terminal used by a first user or a second user to transfer at least part of the available credit limit of the first user to the second user;
When the accepting unit accepts the transfer request, the storage unit reduces the usage limit associated with the user identification information of the first user, and stores the user ID of the second user in the storage unit. a setting unit that increases the usage limit associated with identification information;
Receiving privilege information indicating a privilege to be granted from the second user to the first user in response to the increase in the available credit limit corresponding to the second user, and indicating the received privilege information a benefit granting unit that grants a benefit to the first user;
Information processing device having a storage unit that stores a usage limit indicating an amount that can be settled by the user in association with user identification information for identifying the user;
The first user or a receiving unit that receives a request from the terminal used by the second user to transfer at least part of the available credit limit of the first user to the second user;
When the accepting unit accepts the transfer request, the storage unit reduces the usage limit associated with the user identification information of the first user, and stores the user ID of the second user in the storage unit. a setting unit that increases the usage limit associated with identification information;
Information processing device having a storage unit that stores a usage limit indicating an amount that can be settled by the user in association with user identification information for identifying the user;
a receiving unit that receives a request from a terminal used by a first user or a second user to transfer at least part of the available credit limit of the first user to the second user;
When the accepting unit accepts the transfer request, the storage unit reduces the usage limit associated with the user identification information of the first user, and stores the user ID of the second user in the storage unit. When the usage limit associated with the identification information is increased and a predetermined period elapses after the usage limit associated with the user identification information of the second user is increased, the storage increase the usage limit associated with the user identification information of the first user in the storage unit, and decrease the usage limit associated with the user identification information of the second user in the storage unit a setting unit for
Information processing device having When receiving the transfer request from the second user, the receiving unit receives approval from the first user for transfer of the available credit limit corresponding to the transfer request,
When the receiving unit receives the approval, the setting unit decreases the usage limit corresponding to the first user and increases the usage limit corresponding to the second user.
The information processing apparatus according to any one of claims 1 to 3 . The reception unit receives a selection of a user who does not require the approval from the first user,
When the second user who has made the transfer request is a user who does not require the approval, the setting unit reduces the usage limit corresponding to the first user by omitting the approval by the reception unit. and increasing the usage limit corresponding to the second user;
The information processing apparatus according to claim 4 . The storage unit stores the user identification information, the available credit limit, information indicating whether or not the credit limit has been transferred, and information indicating whether the credit limit can be reassigned. stored in association with
The reception unit receives, from the terminal used by the user, at least part of the untransferable usage limit and the retransferable usage amount among the usage limits associated with the user identification information of the user. accept transfer requests,
The information processing apparatus according to any one of claims 1 to 3 . The receiving unit receives the transfer request and product identification information for identifying a product purchasable in the transfer limit, which is the available limit transferred from the first user to the second user,
When the accepting unit accepts the transfer request and the product identification information, the setting unit associates the transfer quota with the user identification information of the second user in the storage unit, so that the second user's increasing the usable limit and storing the received product identification information in association with the transferable limit;
The information processing apparatus according to any one of claims 1 to 3 . the storage unit associates and stores the user identification information of the user and user information that associates information about the user;
The reception unit identifies the second user having a predetermined relationship with the first user based on the user information, and receives the transfer request from the first user or the identified second user. ,
The information processing apparatus according to any one of claims 1 to 3 . The setting unit sets the scheduled payment date of the settlement amount corresponding to the usage quota transferred to the second user to the scheduled payment date of the usage quota previously associated with the first user.
The information processing apparatus according to any one of claims 1 to 3 . The setting unit sets the scheduled payment date of the settlement amount corresponding to the usage quota transferred to the second user to the scheduled payment date of the usage quota pre-associated with the second user.
The information processing apparatus according to any one of claims 1 to 3 . When a settlement amount is allocated to a part of the usage limit of the first user, the reception unit selects at least part of the usage limit to which the settlement amount is not allocated, the second accept requests for transfer to users of
The information processing apparatus according to any one of claims 1 to 3 . the storage unit stores the available credit limit corresponding to a predetermined payment method in association with the user identification information;
When the accepting unit accepts the transfer request, the setting unit reduces the usage limit corresponding to the predetermined payment method associated with the user identification information of the first user in the storage unit. , increasing the usage limit corresponding to the predetermined payment method associated with the user identification information of the second user in the storage unit;
The information processing apparatus according to any one of claims 1 to 3 . The storage unit stores the usage limit for a unit period in association with the user identification information,
When the accepting unit accepts the transfer request, the setting unit reduces the usage limit for the unit period associated with the user identification information of the first user in the storage unit, and increasing the usage limit in the unit period associated with the user identification information of the second user in
The information processing apparatus according to any one of claims 1 to 3 . If the billing amount, which is the total amount of the settlement amount of the second user, is billed to the second user, and the payment of the billing amount is not completed by the payment date, the second user further comprising a billing unit that bills one user for the billed amount;
The information processing apparatus according to any one of claims 1 to 3 . The billing unit bills the first user for a billing amount indicating the usage limit when the billing amount exceeds the usage limit transferred to the second user.
The information processing apparatus according to claim 14 . The storage unit stores payment record information that associates the user identification information of the user with a payment record of the amount settled by the user,
The accepting unit accepts a transfer request to the second user when the payment record associated with the user identification information of the second user satisfies a predetermined condition.
The information processing apparatus according to any one of claims 1 to 3 . the computer runs
receiving, from a terminal used by a first user or a second user, a transfer request to the second user for at least a portion of the credit limit indicating the amount that the first user can settle;
When the transfer request is accepted, a storage unit that stores the usage limit corresponding to the user in association with user identification information for identifying the user is associated with the user identification information of the first user. decreasing the usage limit and increasing the usage limit associated with the user identification information of the second user in the storage unit;
Receiving privilege information indicating a privilege to be granted from the second user to the first user in response to the increase in the available credit limit corresponding to the second user, and indicating the received privilege information granting a privilege to the first user;
An information processing method comprising: the computer runs
The scheduled payment date corresponding to the first user's credit limit indicating the amount that the first user can settle is later than the scheduled payment date corresponding to the credit limit corresponding to the second user. As a condition, a request from the terminal used by the first user or the second user to transfer to the second user at least a part of the credit limit indicating the amount that the first user can settle a step of receiving;
When the transfer request is accepted, a storage unit that stores the usage limit corresponding to the user in association with user identification information for identifying the user is associated with the user identification information of the first user. decreasing the usage limit and increasing the usage limit associated with the user identification information of the second user in the storage unit;
An information processing method comprising: the computer runs
receiving, from a terminal used by a first user or a second user, a transfer request to the second user for at least a portion of the credit limit indicating the amount that the first user can settle;
When the transfer request is accepted, a storage unit that stores the usage limit corresponding to the user in association with user identification information for identifying the user is associated with the user identification information of the first user. decreasing the usage limit and increasing the usage limit associated with the user identification information of the second user in the storage unit;
When a predetermined period elapses after the usage limit associated with the user identification information of the second user is increased, increasing the usage limit stored in the storage unit and decreasing the usage limit associated with the user identification information of the second user in the storage unit;
An information processing method comprising:

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