JP7256318B1 - Information processing device and information processing method - Google Patents

Abstract

Kind Code: A1 A periodic payment is completed. An information processing apparatus (1) associates a user ID for identifying a user with a settlement limit amount indicating the upper limit of the amount that a user can settle using a predetermined settlement means in a predetermined period, and a predetermined settlement amount. A storage unit 12 that stores the scheduled payment date of a predetermined product, which is a product to be settled using a means, and a timing prior to the timing of payment of the predetermined product based on the scheduled payment date included in the predetermined period. a specifying unit 131 that specifies a settlement amount for a predetermined product in a predetermined period and specifies a settlementable amount that is an amount that a user can settle in a predetermined period using a predetermined settlement means; and a settlementable amount specified by the specifying unit. is less than the settlement amount of the predetermined product, a limit amount setting unit 132 for increasing the settlement limit amount. [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 credit limit is set to indicate the amount that the user can settle within a predetermined period using the payment method (see, for example, Patent Document 1).

JP 2014-235567 A

Regular payments are made by using a subscription service that enables continuous use after each time the user pays the consideration, or by paying for utilities, etc. using a deferred payment method. . If the user frequently uses the deferred payment method within a predetermined period of time, the available amount calculated by subtracting the total amount of payments within the predetermined period from the settlement limit amount for the settlement amount of regular payments The shortfall creates the problem of not being able to complete regular payments.

Accordingly, the present invention has been made in view of these points, and an object of the present invention is to complete regular payments.

The information processing apparatus according to the first aspect of the present invention provides a settlement limit indicating the upper limit of the amount that the user can settle during a predetermined period using a predetermined settlement method, in association with user identification information for identifying the user. a storage unit for storing an amount and a scheduled settlement date of a predetermined product, which is a product to be settled using the predetermined settlement means; At a timing prior to the timing of execution, the payment amount of the predetermined product in the predetermined period is specified, and the settlementable amount, which is the amount that can be settled in the predetermined period by the user using the predetermined payment means, is specified. and a limit amount setting unit for increasing the settlement limit amount when the possible settlement amount specified by the specifying unit is less than the settlement amount of the predetermined product.

When the possible settlement amount is less than the settlement amount of the predetermined product, the limit amount setting unit is another settlement method different from the predetermined settlement method corresponding to the period including the scheduled settlement date of the predetermined product. may be decreased, and the settlement limit corresponding to the predetermined settlement means may be increased.

The limit amount setting unit reduces the settlement limit amount corresponding to the predetermined settlement means of another user different from the user when the possible settlement amount is less than the settlement amount of the predetermined product, and may increase the settlement limit amount corresponding to the predetermined settlement means of.

The limit amount setting unit increases the settlement limit amount corresponding to the predetermined period, and controls not to increase the settlement limit amount corresponding to a period different from the predetermined period when the settlement limit amount is increased. may
The limit setting unit may increase the settlement limit so that an amount obtained by subtracting the settlement amount of the predetermined product from the increased settlement limit is 0 or more.

The storage unit stores payment record information that associates the user identification information of the user with the payment record corresponding to the predetermined payment method of the user, and the limit setting unit stores the user's payment record. The settlement limit amount may be increased when the payment record associated with the identification information satisfies a predetermined condition.

The storage unit stores the user identification information of the user and the payment record information that associates the payment record of the predetermined product using the predetermined payment means of the user, and the limit setting unit The settlement limit amount may be increased when the payment record of the predetermined product associated with the user identification information of the user satisfies the predetermined condition.

The storage unit may store, in association with the user identification information, a scheduled payment date of the predetermined product, which is a product for which payment is periodically made using the predetermined payment means.

An information processing apparatus according to a second aspect of the present invention relates to user identification information for identifying a user, and provides a settlement limit that indicates the upper limit of the amount that the user can settle using a predetermined settlement means in a predetermined period. a storage unit that stores an amount and a scheduled settlement date of a predetermined product, which is a product that is periodically settled using the predetermined settlement means; and a timing at which the predetermined product is settled based on the scheduled settlement date. A specifying unit that specifies the settlement amount of the predetermined product in the predetermined period at a timing earlier than the above, and specifies the settlementable amount that is the amount that the user can settle in the predetermined period using the predetermined settlement means. and notifying the user of notification information indicating that the possible settlement amount is less than the settlement amount of the predetermined commodity when the settlement amount specified by the specifying unit is less than the settlement amount of the predetermined commodity. and a notification unit.

The notification unit may notify the user of the notification information before the scheduled payment date included in the predetermined period.
The storage unit stores notification propriety information indicating whether to notify the user of the notification information in association with the user identification information, and the notification unit stores the settlement amount specified by the specifying unit. The notification information may be notified to the user on condition that the notification availability information indicates that the notification information is to be notified to the user when the amount is less than the settlement amount of the predetermined product.

An information processing method according to a third aspect of the present invention is executed by a computer, in association with user identification information for identifying a user, and using a predetermined settlement means to determine the amount of money that the user can settle in a predetermined period. By referring to the storage unit that stores the settlement limit amount indicating the upper limit and the scheduled settlement date of the predetermined product, which is the product to be settled using the predetermined settlement means, based on the scheduled settlement date included in the predetermined period at a timing prior to the timing at which the payment for the prescribed product is performed, the payment amount for the prescribed product for the prescribed period is specified, and the amount that the user can settle for the prescribed period using the prescribed payment means. and increasing the settlement limit if the specified settlement amount is less than the settlement amount of the predetermined product.

ADVANTAGE OF THE INVENTION According to this invention, there exists an effect that a periodical payment can be completed.

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. It is a figure which shows an example of limit information. It is a figure which shows an example of settlement schedule 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 settlement limit amount indicating the upper limit of the amount that a user can settle using a predetermined settlement means.

As shown in FIG. 1, the information processing apparatus 1 is associated with a user ID (Identification) serving as user identification information for identifying a user, and indicates the amount of money that the user can pay for a given period of time using a given payment means. Stores the amount that can be settled that indicates the upper limit. The predetermined payment method is a payment method of a deferred payment method, for example, a payment method using a predetermined credit card. The predetermined period is a period during which the settlement amount to be billed by the deferred payment means is aggregated, and is, for example, a period from the closing date of a certain month to the elapse of one month.

In addition, the information processing device 1 stores, in association with the user ID, the scheduled settlement date of the product or service to be settled using a predetermined settlement method. A product or service that is periodically settled using a predetermined payment method is a product or service that is periodically settled. It is an updated subscription service.

In addition, for products or services that are settled using a predetermined payment method, each time the user pays the payment amount for the past or future use of the service by the user, immediately after payment or after a certain period of time has passed since payment may include, for example, a service that provides music and videos to a user's terminal, and a service that provides various infrastructures such as communication, gas, water, and electricity. In the following description, products or services that are periodically settled using a predetermined payment method are collectively referred to as predetermined products.

The information processing device 1 specifies the payment amount for the predetermined product in the predetermined period at a timing prior to the timing at which the payment for the predetermined product is performed based on the scheduled payment date included in the predetermined period, and the user performs the predetermined payment. A settlementable amount, which is an amount that can be settled in a predetermined period, is specified using means ((1) in FIG. 1).

The information processing device 1 determines whether the identified possible settlement amount is less than the settlement amount for the predetermined product ((2) in FIG. 1). When the information processing device 1 determines that the identified possible settlement amount is less than the settlement amount for the predetermined product, the information processing apparatus 1 increases the settlement limit amount ((3) in FIG. 1). When the settlement limit amount is increased, the information processing device 1 notifies the user of the notification information by transmitting notification information indicating that the settlement limit amount has been increased to the user terminal 2 such as a smartphone used by the user ( (4) in FIG. 1). In this way, the information processing device 1 prevents the payment of the prescribed product from becoming impossible due to the possible payment amount being less than the payment amount of the prescribed product, and completes the regular payment of the prescribed product. be able to.

[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 user terminal 2 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 payment program that causes the control unit 13 to function as the specifying unit 131 , the limit setting unit 132 and the notification unit 133 .

In addition, the storage unit 12 associates the user ID for identifying the user with a settlement limit amount indicating the upper limit of the amount that the user can settle during a predetermined period using a predetermined settlement method, and a predetermined settlement method. and a scheduled payment date of a predetermined product, which is a product that is regularly paid for in the store.

Specifically, the storage unit 12 stores a user ID, a settlement limit, and limit information that associates a period during which the settlement limit is applied, a user ID, and a product for identifying a predetermined product. Settlement schedule information that associates an ID with a scheduled settlement date of a predetermined product that is periodically settled is stored. FIG. 3 is a diagram showing an example of limit information. As shown in FIG. 3, in the limit information, it can be confirmed that the user ID, the settlement limit, and the period during which the settlement limit is applied are associated with each other. FIG. 4 is a diagram showing an example of payment schedule information. As shown in FIG. 4, in the settlement schedule information, it can be confirmed that the user ID, the product ID of the predetermined product, and the scheduled settlement date are associated with each other. In addition, when the price of the predetermined product paid by the user in the predetermined period is a fixed amount, the price of the predetermined product may be associated with the user ID in the settlement schedule information.

The control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 functions as a specifying unit 131 , a limit setting unit 132 , and a notification unit 133 by executing the limit setting program stored in the storage unit 12 .

The identifying unit 131 identifies the payment amount for the predetermined product during the predetermined period at a timing prior to the timing at which the payment for the predetermined product is performed based on the scheduled payment date included in the predetermined period, and the user selects a predetermined payment method. is used to identify the settlementable amount, which is the amount that can be settled in a predetermined period.

The timing before the timing of payment for the predetermined product is, for example, the day included in the predetermined period and the day before the scheduled payment date included in the predetermined period. In the settlement schedule information stored in the storage unit 12, when the price of the predetermined product is associated with the user ID, the specifying unit 131 sets the price of the predetermined product associated with the user ID as the payment amount of the predetermined product. Identify. Further, when the predetermined product is a service that provides various infrastructures such as communication, gas, water, electricity, etc., the specifying unit 131 accesses an external device that manages the payment amount for the service, and associates it with the user ID. You may specify the payment amount of the predetermined product that is stored.

Further, the identifying unit 131 identifies the payable amount corresponding to the user by acquiring the payable amount stored in association with the user ID in the external device. Note that the available settlement amount may be stored in the storage unit 12 in association with the user ID. In this case, the specifying unit 131 may specify the payable amount by referring to the storage unit 12 and acquiring the payable amount associated with the user ID.

In addition, the storage unit 12 may store payment history information that associates a payment amount for a product or service paid by a predetermined payment method with a payment date. The specifying unit 131 calculates the total settlement amount by totaling the settlement amounts of the products or services settled in a predetermined period, and calculates the settlementable amount by subtracting the total settlement amount from the settlement limit amount. good.

The limit setting unit 132 increases the settlement limit when the possible settlement amount specified by the specifying unit 131 is less than the settlement amount of the predetermined product. The limit amount setting unit 132 increases the settlement limit amount so that the amount obtained by subtracting the settlement amount for the predetermined product from the increased settlement limit amount becomes 0 or more. For example, the limit amount setting unit 132 increases the settlement limit amount at a timing prior to the timing at which a predetermined product is settled based on the scheduled settlement date included in the predetermined period.

Specifically, first, when the available settlement amount specified by the specifying unit 131 is less than the settlement amount for the predetermined product, the limit setting unit 132 subtracts the settlement amount from the payment amount for the predetermined product, thereby obtaining a predetermined amount. Calculate the required amount required to settle the product. The storage unit 12 stores a reference unit amount that is a unit amount used for increasing the settlement limit amount. The limit amount setting unit 132 determines the smallest amount that is equal to or greater than the required amount among the amounts corresponding to the multiples of the reference unit amount as the increase amount of the settlement limit amount.

For example, if the possible settlement amount is 10,000 yen and the settlement amount for the predetermined product is 25,000 yen, the limit setting unit 132 calculates the necessary amount for settlement of the predetermined product as 15,000 yen. If the standard unit amount is 10,000 yen, the smallest amount that is equal to or greater than the required amount among the multiples of the standard unit amount is 20,000 yen. Therefore, the limit amount setting unit 132 sets the increase amount of the settlement limit amount to 20000 yen. In addition, although the limit amount setting unit 132 sets the increase amount to the smallest amount that is equal to or more than the required amount among the amounts corresponding to the multiples of the reference unit amount, it is not limited to this. The limit setting unit 132 may set the required amount as the increased amount.

The limit amount setting unit 132 reduces the settlement limit amount corresponding to another settlement method different from the predetermined settlement method corresponding to the period including the scheduled settlement date of the predetermined product by the determined increase amount, and reduces the settlement limit amount corresponding to the predetermined settlement method. The settlement limit corresponding to is increased by the determined increase amount.

Another payment method different from the predetermined payment method is the user's payment method associated with the user ID. Other payment methods include, for example, post-paid payment methods provided by telecommunications carriers that can be paid together with usage fees for mobile communication lines, or other credit cards different from the prescribed credit cards possessed by users. payment method used. In this case, the limit setting unit 132 sets the settlement limit amount of the other payment method to an external device (not shown) that manages the user ID and the settlement limit amount of the other payment method in association with the determined increase. By transmitting the reduction request information to decrease the amount by the amount, the settlement limit amount of other settlement means is reduced.

In addition, the limit setting unit 132 receives completion information indicating that the reduction of the settlement limit of other settlement means has been completed from the external device. In response to receiving the completion information, the limit setting unit 132 adds the determined increase to the settlement limit of the predetermined settlement method associated with the user ID in the limit information stored in the storage unit 12. By adding the amount, the settlement limit of the predetermined settlement means is increased.

Here, the limit amount setting unit 132 increases the settlement limit amount corresponding to the predetermined period associated with the user ID in the limit information, and increases the settlement amount corresponding to the period different from the predetermined period when the settlement limit amount is increased. Control not to increase the limit amount. For example, if the predetermined period is June 2022, the limit setting unit 132 increases the settlement limit corresponding to June 2022 associated with the user ID in the limit information, and Control not to increase the limit amount. By doing so, the information processing device 1 can prevent the user's settlement limit from being constantly increased.

Note that the limit amount setting unit 132 may determine whether or not to increase the settlement limit amount corresponding to the predetermined payment means when the user's available settlement amount is less than the settlement amount of the predetermined product. . For example, the storage unit 12 may store payment record information in which the user ID of the user and the payment record corresponding to the user's predetermined payment method are associated with each other. Then, the limit amount setting unit 132 may increase the settlement limit amount when the payment record associated with the user ID of the user satisfies a predetermined condition.

In this case, the payment record is, for example, the payment record for the predetermined product, and may be information indicating at least one of the number of times the payment for the predetermined product was not delayed and the number of times the payment was delayed. If the user's available payment amount is less than the payment amount for the predetermined product, the limit amount setting unit 132 refers to the payment record information and identifies the payment record associated with the user ID of the user. Then, the limit amount setting unit 132 may increase the settlement limit amount when the payment record of the predetermined product associated with the user ID of the user satisfies a predetermined condition.

For example, the limit amount setting unit 132 determines that the number of times the payment for the predetermined product indicated by the payment history for the predetermined product associated with the user ID of the user has not been delayed is equal to or greater than the first number of times, and The settlement limit may be increased if the number of times the payment of is delayed is less than a second number of times. By doing so, the information processing apparatus 1 can increase the settlement limit amount only for users who have no problem with the increase in the settlement limit amount.

In addition, the limit setting unit 132 reduces the settlement limit of other settlement methods associated with the user ID, and increases the settlement limit corresponding to the predetermined settlement method by the specified increase amount. Not limited. If the available settlement amount is less than the settlement amount of the predetermined product, the limit amount setting unit 132 reduces the settlement limit amount corresponding to the predetermined settlement method of the user different from the user, Corresponding payment limits may be increased.

In this case, for example, the user ID of the user and user information, which is information about the user, are stored in association with each other in the storage unit 12 . The user information is, for example, user's personal information such as the user's name, place of residence, and age. 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, the user information is 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. may

The limit setting unit 132 identifies other users who have a predetermined relationship with the user. Here, the predetermined relationship is that the user and another user have a family relationship or a cohabiting relationship. For example, the limit setting unit 132 identifies other users who have a predetermined relationship with the user by identifying the user IDs of other users who have the same place of residence as the user.

Then, the limit amount setting unit 132, on the condition that the settlement limit amount is stored in association with the user ID of the specified other user in the limit information, corresponds to the predetermined settlement means of the other user. The settlement limit amount is reduced and the settlement limit amount corresponding to the user's predetermined settlement means is increased. In this case, the amount limit setting unit 132 may receive approval from other users to decrease the settlement amount limit and to increase the settlement amount limit of the user. By doing so, the information processing apparatus 1 can make the other user recognize that a part of the settlement frame of the other user will be transferred to the user, and transfer the settlement frame after convincing the other user. .

In addition, the limit amount setting unit 132 reduces the settlement limit amount corresponding to the other settlement method different from the predetermined settlement method corresponding to the period including the scheduled settlement date of the predetermined product, and reduces the settlement limit amount corresponding to the predetermined settlement method. Although it was decided to increase the settlement limit amount, it is not limited to this. The limit amount setting unit 132 reduces the settlement limit amount corresponding to the other settlement method different from the predetermined settlement method corresponding to the period including the day on which the settlement limit amount is increased, and performs the settlement corresponding to the predetermined settlement method. You can increase the limit.

In a case where the user's available payment amount is less than the payment amount for the predetermined product, the notification unit 133 notifies the user terminal 2 of the user that the available payment amount is increased when the payment limit setting unit 132 increases the payment amount. Send notification information indicating that For example, the notification unit 133 notifies the user of the notification information before the scheduled payment date included in the predetermined period.

For example, when an application capable of viewing information related to a predetermined payment method is installed in the user terminal 2, the notification unit 133 may push notification information to the application. Also, the user ID and the user's mail address are stored in association with each other in the storage unit 12, and the notification unit 133 sends a mail including notification information to the mail address associated with the user's user ID. You may notify a user of notification information by transmitting.

The notification unit 133 reduces the settlement limit amount corresponding to another settlement method different from the predetermined settlement method in order to increase the settlement amount of the predetermined settlement method. Information indicating that the settlement limit amount has been reduced may be included in the notification information. In addition, when the settlement limit amount corresponding to the predetermined payment method of another user is reduced in order to increase the possible settlement amount of the predetermined payment method, the notification unit 133 The notification information may include information indicating that the settlement limit amount corresponding to has been reduced. By doing so, the user can recognize that the other payment method or the other user's payable amount has been reduced with respect to the increase in the payable amount.

[Operation flow]
Next, the processing flow of the information processing device 1 will be described. FIG. 5 is a flowchart showing the processing flow of the information processing device 1. As shown in FIG. It should be noted that the flowchart shown in FIG. 5 is performed at a timing prior to the timing at which payment for the predetermined product is performed.

First, the specifying unit 131 specifies the settlement amount of a predetermined product in a predetermined period and also specifies the settlementable amount, which is the amount that the user can settle in a predetermined period using a predetermined settlement means (S1).

Subsequently, the limit amount setting unit 132 determines whether or not the possible settlement amount specified by the specifying unit 131 is less than the settlement amount for the predetermined product (S2). When the limit setting unit 132 determines that the available settlement amount is less than the settlement amount of the predetermined product (YES in S2), the process proceeds to S3. NO), the process according to this flowchart is terminated.

Subsequently, the limit amount setting unit 132 determines an increase amount of the settlement limit amount based on the settlement amount and the settlement amount of the predetermined product (S3).
Subsequently, the limit setting unit 132 reduces the settlement limit of the user's other settlement means by the increased amount determined in S3 (S4).

Subsequently, the limit setting unit 132 increases the settlement limit of the predetermined settlement method by the increase amount determined in S3 (S5).
Subsequently, the notification unit 133 notifies the user that the settlement limit has been increased (S6).

[Modification 1]
In the above embodiment, the notification unit 133 notifies the user that the settlement limit has been increased in response to the settlement limit setting unit 132 increasing the settlement limit, but the present invention is not limited to this. . When the available settlement amount specified by the specifying unit 131 is less than the settlement amount for the predetermined product, the notification unit 133 sends notification information indicating that the settlement amount is less than the settlement amount for the predetermined product to the user terminal 2 of the user. may notify you.

In this case, the notification unit 133 includes notification information indicating that the settlement amount is less than the settlement amount of the predetermined product, regardless of whether the settlement amount limit setting unit 132 has increased the settlement amount limit. The user may be notified prior to the scheduled payment date for the predetermined product. In addition, the information processing device 1 may not have the amount limit setting unit 132, and when the notification unit 133 determines that the possible settlement amount specified by the specifying unit 131 is less than the settlement amount of the predetermined product, Then, the user may be notified of notification information indicating that the possible settlement amount is less than the settlement amount of the predetermined product. By doing so, the user can understand that the settlement amount is less than the settlement amount of the predetermined product, and request a temporary increase in the settlement limit to the support center or the like that accepts the increase in the settlement limit. Periodic payments for certain products can be completed.

In addition, the notification unit 133 may receive a setting as to whether or not to notify the user of the notification information before notifying the user of the notification information. In this case, the notification unit 133 causes the storage unit 12 to store the user ID and notification availability information indicating whether or not to notify the user of the notification information in association with each other based on the received settings. Then, the notification unit 133 indicates that the notification information associated with the user ID notifies the user of the notification information when the possible settlement amount specified by the specifying unit 131 is less than the settlement amount of the predetermined product. The notification information is notified to the user on condition that the user is present. By doing so, it is possible to notify the user of the notification information when the user wishes to be notified that the settlement amount is less than the settlement amount of the predetermined product.

[Modification 2]
In the above-described embodiment, the predetermined product is a product or service that is periodically settled using a predetermined payment method, but is not limited to this. Predetermined products are products or services in which settlement amounts are generated irregularly according to the temporary use of services by users, and settlement amounts generated on scheduled settlement dates included in a predetermined period are settled. good.

[Effect of information processing device 1]
As described above, the information processing apparatus 1 according to the present embodiment associates a user ID with a settlement limit amount that indicates the upper limit of the amount that a user can settle using a predetermined settlement means in a predetermined period, and a predetermined and a scheduled settlement date of a predetermined product, which is a product to be settled using the settlement means of (1). The information processing device 1 specifies the payment amount for the predetermined product in the predetermined period at a timing prior to the timing at which the payment for the predetermined product is performed based on the scheduled payment date included in the predetermined period, and the user selects a predetermined payment method. is used to identify the amount that can be settled in a predetermined period, and if the identified amount that can be settled is less than the amount that can be settled for the predetermined product, the settlement limit amount is increased. By doing so, the information processing apparatus 1 can complete the periodic payment corresponding to the payment for the user's predetermined product.

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 specifying unit 132 limit setting unit 133 notification unit

Claims (13)

Settlement is made using a settlement limit amount indicating the upper limit of the amount that the user can settle in a predetermined period using a predetermined settlement means, in association with user identification information for identifying the user, and the predetermined settlement means. a storage unit that stores a scheduled payment date for a predetermined product that is a product;
At a timing prior to the timing at which the payment for the prescribed product is made based on the scheduled payment date included in the prescribed period, the payment amount for the prescribed product for the prescribed period is specified, and the user performs the prescribed payment. a specifying unit that specifies an amount that can be settled in the predetermined period using means;
when the available settlement amount specified by the specifying unit is less than the settlement amount of the predetermined product , reducing the settlement limit amount corresponding to the predetermined settlement method of another user different from the user, a limit amount setting unit for increasing the settlement limit amount corresponding to the predetermined settlement means ;
Information processing device having Settlement is made using a settlement limit amount indicating the upper limit of the amount that the user can settle in a predetermined period using a predetermined settlement means, in association with user identification information for identifying the user, and the predetermined settlement means. a storage unit that stores a scheduled payment date for a predetermined product that is a product;
At a timing prior to the timing at which the payment for the prescribed product is made based on the scheduled payment date included in the prescribed period, the payment amount for the prescribed product for the prescribed period is specified, and the user performs the prescribed payment. a specifying unit that specifies an amount that can be settled in the predetermined period using means;
when the possible settlement amount specified by the specifying unit is less than the settlement amount of the predetermined product, the settlement limit amount corresponding to the predetermined period is increased, and when the settlement limit amount is increased, the predetermined period and a limit setting unit that controls not to increase the settlement limits corresponding to different periods ;
Information processing device having Settlement is made using a settlement limit amount indicating the upper limit of the amount that the user can settle in a predetermined period using a predetermined settlement means, in association with user identification information for identifying the user, and the predetermined settlement means. a storage unit that stores a scheduled payment date for a predetermined product that is a product;
At a timing prior to the timing at which the payment for the prescribed product is made based on the scheduled payment date included in the prescribed period, the payment amount for the prescribed product for the prescribed period is specified, and the user performs the prescribed payment. a specifying unit that specifies an amount that can be settled in the predetermined period using means;
The settlement limit is set so that, when the available settlement amount specified by the specifying unit is less than the settlement amount of the predetermined product, the amount obtained by subtracting the settlement amount of the predetermined product from the increased settlement limit amount is 0 or more. a limit setting unit for increasing the amount;
Information processing device having Settlement is made using a settlement limit amount indicating the upper limit of the amount that the user can settle in a predetermined period using a predetermined settlement means, in association with user identification information for identifying the user, and the predetermined settlement means. a storage unit that stores a payment schedule date of a predetermined product that is a product, and stores payment record information that associates the user identification information of the user with the payment record corresponding to the predetermined payment method of the user; ,
At a timing prior to the timing at which the payment for the prescribed product is made based on the scheduled payment date included in the prescribed period, the payment amount for the prescribed product for the prescribed period is specified, and the user performs the prescribed payment. a specifying unit that specifies an amount that can be settled in the predetermined period using means;
In the case where the possible settlement amount specified by the specifying unit is less than the settlement amount of the predetermined product, when the payment record associated with the user identification information of the user satisfies a predetermined condition, the settlement limit amount a limit setting unit that increases the
Information processing device having The storage unit stores the payment record information that associates the user identification information of the user with a payment record of the predetermined product using the predetermined payment means of the user,
The limit amount setting unit increases the settlement limit amount when the payment record of the predetermined product associated with the user identification information of the user satisfies the predetermined condition.
The information processing apparatus according to claim 4 . The storage unit stores, in association with the user identification information, the scheduled payment date of the predetermined product, which is a product that is periodically settled using the predetermined payment method, in association with the user identification information.
The information processing apparatus according to any one of claims 1 to 5 . When the possible settlement amount is less than the settlement amount of the predetermined product, the limit amount setting unit is another settlement method different from the predetermined settlement method corresponding to the period including the scheduled settlement date of the predetermined product. reducing the settlement limit amount corresponding to and increasing the settlement limit amount corresponding to the predetermined settlement means;
The information processing apparatus according to any one of claims 2 to 5 . In association with user identification information for identifying a user, a settlement limit amount indicating the upper limit of the amount that the user can settle using a predetermined settlement method in a predetermined period, and periodically using the predetermined settlement method a storage unit that stores a scheduled payment date for a predetermined product that is a product to be settled;
At a timing prior to the timing at which the payment for the prescribed product is made based on the scheduled payment date, the payment amount for the prescribed product for the prescribed period is specified, and the user uses the prescribed payment means to determine the prescribed payment amount. a specifying unit that specifies a settlementable amount that is the amount that can be settled in a period;
When the available settlement amount specified by the specifying unit is less than the settlement amount of the predetermined product, the settlement amount is less than the settlement amount of the predetermined product before the scheduled settlement date included in the predetermined period. a notification unit that notifies the user of notification information indicating that
Information processing device having In association with user identification information for identifying a user, a settlement limit amount indicating the upper limit of the amount that the user can settle using a predetermined settlement method in a predetermined period, and periodically using the predetermined settlement method It is an amount that can be settled by the user during the predetermined period using the predetermined payment means, in association with the user identification information of the user, and the scheduled payment date of the predetermined product that is the product to be settled. a storage unit that stores notification propriety information indicating whether or not to notify the user of notification information indicating that the settlement amount is less than the settlement amount of the predetermined product;
a specifying unit that specifies the payment amount of the predetermined product in the predetermined period and the user 's available amount of payment at a timing prior to the timing at which the payment of the predetermined product is performed based on the scheduled payment date; ,
The notification information on the condition that the notification propriety information indicates that the notification information is notified to the user when the settlement amount specified by the specifying unit is less than the settlement amount of the predetermined product. a notification unit that notifies the user of
Information processing device having the computer runs
Settlement is made using a settlement limit amount indicating the upper limit of the amount that the user can settle in a predetermined period using a predetermined settlement means, in association with user identification information for identifying the user, and the predetermined settlement means. With reference to a storage unit that stores the scheduled settlement date of a predetermined product that is a product, the predetermined a step of specifying the settlement amount of the predetermined product during the period and specifying the settlementable amount, which is the amount that the user can settle in the predetermined period using the predetermined settlement means;
When the specified possible settlement amount is less than the settlement amount of the predetermined product, the settlement limit amount corresponding to the predetermined settlement method of another user different from the user is reduced, and the predetermined settlement of the user is performed. increasing the settlement limit corresponding to the instrument ;
An information processing method comprising: the computer runs
Settlement is made using a settlement limit amount indicating the upper limit of the amount that the user can settle in a predetermined period using a predetermined settlement means, in association with user identification information for identifying the user, and the predetermined settlement means. With reference to a storage unit that stores the scheduled settlement date of a predetermined product that is a product, the predetermined a step of specifying the settlement amount of the predetermined product during the period and specifying the settlementable amount, which is the amount that the user can settle in the predetermined period using the predetermined settlement means;
When the identified possible settlement amount is less than the settlement amount of the predetermined product, the settlement limit amount corresponding to the predetermined period is increased, and when the settlement limit amount is increased, a period different from the predetermined period is handled. a step of controlling not to increase the settlement limit amount to be
An information processing method comprising: the computer runs
Settlement is made using a settlement limit amount indicating the upper limit of the amount that the user can settle in a predetermined period using a predetermined settlement means, in association with user identification information for identifying the user, and the predetermined settlement means. With reference to a storage unit that stores the scheduled settlement date of a predetermined product that is a product, the predetermined a step of specifying the settlement amount of the predetermined product during the period and specifying the settlementable amount, which is the amount that the user can settle in the predetermined period using the predetermined settlement means;
When the identified possible settlement amount is less than the settlement amount of the predetermined product, the settlement limit is increased so that the amount obtained by subtracting the settlement amount of the predetermined product from the increased settlement limit amount becomes 0 or more. a step;
An information processing method comprising: the computer runs
Settlement is made using a settlement limit amount indicating the upper limit of the amount that the user can settle in a predetermined period using a predetermined settlement means, in association with user identification information for identifying the user, and the predetermined settlement means. a storage unit that stores a payment schedule date for a predetermined product that is a product, and stores payment record information that associates the user identification information of the user with the payment record corresponding to the predetermined payment method of the user; With reference to the above, at a timing prior to the timing at which the payment for the predetermined product is made based on the scheduled payment date included in the predetermined period, the payment amount for the predetermined product for the predetermined period is specified, and the user determines the a step of specifying a settlementable amount, which is an amount that can be settled in the predetermined period using a predetermined payment method;
When the specified possible settlement amount is less than the settlement amount of the predetermined product, and the payment performance associated with the user identification information of the user satisfies a predetermined condition, the step of increasing the settlement limit amount. and,
An information processing method comprising:

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