JP7260701B1 - 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) associates a user ID of a user with a first settlement limit amount in a first period for a user corresponding to a first settlement method and an amount for a user corresponding to a second settlement method. A storage unit 12 that stores a second settlement limit amount in a second period in which at least a part of the period overlaps with the first period; Both the payment request receiving unit 132 that receives the payment request including the payment amount corresponding to the user's payment using the payment method or the second payment method, and the user's first payment method and the second payment method Based on the payment terms for paying the settlement amount using and a specifying unit 133 that specifies the and. [Selection drawing] Fig. 2

Description

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

In a deferred payment method such as a credit card, a settlement limit is set, which indicates the amount of money that the user can settle using the payment method within a predetermined period. For example, Patent Literature 1 discloses that the settlement limit amount of the first settlement means and the settlement limit amount of the second settlement means are summed up.

Japanese Patent No. 6355505

Among users, there are users who select a payment method to be used for payment from a plurality of payment methods in consideration of the amounts to be paid with each of the plurality of payment methods. When such a user makes a payment at a store or the like, it is necessary to select a payment method in consideration of the amounts to be paid with the first payment method and the second payment method. was inconvenient.

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

The information processing apparatus according to the first aspect of the present invention sets the upper limit of the amount that the user can pay using the first payment means in the first period in association with user identification information for identifying the user. and a second settlement limit that indicates the upper limit of the amount that the user can settle using a second settlement means in a second period that at least partially overlaps with the first period. a storage unit that stores an amount, and in an overlapping period in which the first period and the second period overlap, the user's payment using the first payment means or the second payment means is supported. based on payment conditions for paying the settlement amount using both the settlement request receiving unit that receives the settlement request including the settlement amount, and the first settlement means and the second settlement means of the user and a specifying unit that specifies a first payment amount that is the payment amount to be paid by the first payment means for the payment, and a second payment amount that is the payment amount to be paid by the second payment means for the payment. .

The specifying unit provides a first settlementable amount that is a remaining amount that the user can settle using the first settlement means in the overlapping period, and a settlement amount that the user can settle using the second settlement means. a second settlement amount that is the remaining amount is specified, and if the settlement amount included in the settlement request is equal to or less than the sum of the first settlement amount and the second settlement amount, Based on the payment terms, specify a first payment amount that is the payment amount to be paid by the first payment means for the payment, and a second payment amount that is the payment amount to be paid by the second payment means. may

The information processing device may further include a setting unit that sets the payment terms by receiving settings of the payment terms from the user.
The storage unit stores the user identification information of the user, a first settlement amount indicating the amount of money settled by the user using the first settlement means, and a settlement amount by the user using the second settlement means. The information processing device stores payment record information associated with a second payment amount indicating the amount paid, and the information processing device stores the total amount of the first payment amount of the user in the first period based on the payment record information. It may further include a setting unit that sets the payment terms based on a ratio between a certain first usage record and a second usage record that is the total amount of the second settlement amount in the second period.

The information processing device may further include a setting unit that sets the payment terms based on a ratio between the first settlement limit amount and the second settlement limit amount corresponding to the user.
The specifying unit is defined by a first payment business operator that provides the first payment means and a second payment business operator that provides the second payment means and is different from the first payment business operator. The first payment amount and the second payment amount may be specified based on the received payment terms.

The specifying unit determines the first payment amount based on the payment conditions when the payment business operator that provides the first payment means and the payment business operator that provides the second payment means are the same. and the second payment amount.
The specifying unit may specify the first payment amount and the second payment amount based on the payment terms determined by the settlement operator.

The information processing device comprises a first settlementable amount, which is the remaining amount that the user can settle using the first settlement means in the overlapping period, and the settlement amount included in the settlement request; the first payment amount specified by the specifying unit and the second 2 payment amount, and a payment processing unit that performs payment corresponding to the payment request.
The payment processing unit may update the first available settlement amount and the second available settlement amount in response to completion of payment corresponding to the payment request.

The information processing device is a fee to be paid by the store corresponding to the payment request to the first payment operator who provides the first payment means based on the first payment amount specified by the specifying unit. calculating a first fee, and calculating a second fee, which is a fee to be paid by the store to a second payment operator who provides the second payment means, based on the second payment amount; It may further have a billing unit for billing the store for the first fee and the second fee.

An information processing method according to a second aspect of the present invention includes a first period, which is a period for aggregating settlement amounts corresponding to settlements using a first settlement means, and a second settlement means, executed by a computer. in the overlapping period in which the first period overlaps with a second period in which at least a part of the period overlaps, in which the first payment means or receiving a payment request including a payment amount corresponding to payment by the user using the second payment means; and using both the first payment means and the second payment means of the user. Based on payment conditions for paying the settlement amount, a first payment amount that is the payment amount to be paid by the first settlement means for the settlement, and a second payment that is the payment amount to be paid by the second settlement means. and specifying an 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. It is a figure which shows an example of limit information. It is a figure which shows an example of settlement performance information. It is a figure which shows an example of payment terms information. 7 is a flowchart showing the flow of processing related to reception of a payment request in an information processing device;

[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 can be settled by a user corresponding to each of a plurality of settlement methods. The information processing device 1 can communicate with a user terminal 2 such as a smartphone or a tablet and a store terminal 3 such as a POS (Point Of Sales) terminal via a communication network such as the Internet or a wireless LAN (Local Area Network). It is connected.

The information processing device 1, as shown in FIG. A first settlement limit indicating the upper limit of the amount that can be settled in a period and a second settlement limit indicating the upper limit of the amount that the user can settle in the second period using the second settlement means are stored.

The first payment means and the second payment means are post-payment payment means, for example, payment means using a predetermined credit card. Also, the first payment method and the second payment method are payment methods that, when either one of them is selected as the payment method used for payment, makes the payment of the settlement amount using these two payment methods. The first period and the second period are periods in which the settlement amounts to be billed by the deferred payment means are aggregated, and are, for example, periods from the closing day of a certain month to the elapse of one month. It is assumed that the second period partially overlaps the first period. Also, the first payment operator that provides the first payment means and the second payment operator that provides the second payment means are assumed to be different operators.

The information processing device 1 identifies, from the user terminal 2 or the store terminal 3, the user ID of the user and the store where the user purchases goods or services in the overlapping period in which the first period and the second period overlap. Receives a payment request including a shop ID for the purchase and a payment amount corresponding to the user's payment using the first payment means or the second payment means ((1) in FIG. 1).

The information processing device 1 pays the payment amount by the first payment means for the payment based on the payment conditions for paying the payment amount using both the first payment means and the second payment means of the user. and the second payment amount, which is the payment amount to be paid by the second settlement means ((2) in FIG. 1).

The information processing device 1 performs settlement corresponding to the received settlement request based on the specified first payment amount and second payment amount ((3) in FIG. 1). By doing so, the information processing device 1 allows the user to select a payment method using either the first payment method or the second payment method for payment, thereby enabling the first payment method and the second payment method to be used. Payment can be made using both payment methods 2 and 2. As a result, the information processing apparatus 1 eliminates the need for the user to select a payment method at the time of payment, thereby improving convenience for the user.

[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 programs that cause the control unit 13 to function as a setting unit 131 , a payment request receiving unit 132 , a specifying unit 133 , a payment processing unit 134 , and a billing unit 135 .

In addition, the storage unit 12 associates the user ID for identifying the user with a settlement limit amount that indicates the upper limit of the amount that the user can settle using the settlement means in a predetermined period, corresponding to each of the plurality of settlement means. Remember. For example, the storage unit 12 associates with the user ID a first settlement limit amount that indicates the upper limit of the amount that the user can settle during a first period using the first settlement method, and a second settlement method. stores a second settlement limit that indicates the upper limit of the amount that the user can settle in a second period that partially overlaps with the first period.

Specifically, the storage unit 12 stores limit information that associates at least a user ID, a settlement means ID for identifying a settlement means, and a settlement limit. FIG. 3 is a diagram showing an example of limit information. As shown in FIG. 3, in the amount limit information, it can be confirmed that the user ID, the payment method ID, the payment limit amount, and the aggregation period in which the payment amounts are aggregated are associated with each other. Note that the payment method ID may be incorporated in the user ID, and the payment method ID may be extracted from the user ID.

The storage unit 12 also stores payment record information in which the user ID of the user, the payment means ID, and the payment amount of the user are associated with each other. For example, the storage unit 12 stores the user ID of the user, the first settlement amount indicating the amount that the user settled using the first settlement method, and the amount that the user settled using the second settlement method. Settlement record information associated with the indicated second settlement amount is stored. FIG. 4 is a diagram showing an example of settlement record information. As shown in FIG. 4, the payment record information is information that associates at least a user ID, a payment method ID, a payment date, and a payment amount. The payment record information is used to calculate the usage record, which is the total amount of payments made by the user during the aggregation period.

The storage unit 12 also stores payment terms information in which the user ID of the user and the payment terms are associated with each other. FIG. 5 is a diagram showing an example of payment terms information. As shown in FIG. 5, the payment terms information is information that associates at least the user ID, the payment method ID of the payment method to be settled by applying the payment terms, and the payment terms. The payment terms are designated by the setting unit 131, which will be described later. For example, the ratio of the first payment method and the second payment method designated by the user, the ratio of the settlement limit amounts of the first payment method and the second settlement method, etc. , or the ratio of the usage records of the first payment method and the second payment method.

The control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 functions as a setting unit 131 , a payment request receiving unit 132 , a specifying unit 133 , a payment processing unit 134 and a billing unit 135 by executing the limit setting program stored in the storage unit 12 . Next, details of the control unit 13 will be described.

[Set Payment Terms]
First, the processing related to the setting of the payment terms for paying the settlement amount using both the first settlement means and the second settlement means corresponding to the user will be described.

The setting unit 131 sets the payment terms by accepting the setting of the payment terms from the user. For example, the setting unit 131 receives a setting request including a user ID from the user's user terminal 2 and requesting setting of payment terms. When the setting request is received, the setting unit 131 causes the user terminal 2 to display a setting screen for setting payment terms, selects the first payment method and the second payment method via the setting screen, and Select and accept payment terms.

The setting unit 131 receives, as the payment terms, selection of whether to apply the first payment terms, the second payment terms, or the third payment terms, for example. The first payment terms are, for example, payment terms in which the user determines the payment ratio to be paid by the first payment means and the second payment means. A second payment term is a payment term in which a payment ratio is determined based on the amounts of the first settlement limit amount and the second settlement limit amount corresponding to the user. A third payment term is a payment term in which a payment ratio is determined based on the magnitude of the amount of money between the actual usage of the first payment method and the actual usage of the second payment method corresponding to the user.

When the setting unit 131 receives from the user a selection to apply the first payment terms, the setting unit 131 receives from the user the payment ratios to be paid by the first payment means and the second payment means. Upon receiving the payment ratio, the setting unit 131 sets the payment ratio as a payment condition, associates the user ID of the user, the payment condition, and the payment method IDs of the first payment method and the second payment method, and sets the payment conditions. Stored in the storage unit 12 as information.

Upon receiving a selection to apply the second payment terms from the user, the setting unit 131 sets the payment terms based on the ratio between the first settlement limit amount corresponding to the user and the second settlement limit amount. In this case, the setting unit 131 sets the settlement limit associated with the user ID included in the setting request and the settlement method ID of the selected first settlement method in the limit information as the first settlement limit. The settlement limit associated with the settlement means ID of the selected second settlement means is specified as the second settlement limit. The setting unit 131 determines the payment ratio to be paid by each of the first payment method and the second payment method based on the size of the specified first payment limit amount and the second payment limit amount, The said payment ratio shall be the payment condition. The setting unit 131 causes the storage unit 12 to store the payment terms, the user ID, and the payment method IDs of the first payment method and the second payment method in association with each other.

When the setting unit 131 receives a selection to apply the third payment terms from the user, the setting unit 131 sets the total amount of the first settlement amount, which is the settlement amount of the first settlement means in the first period, based on the settlement record information. The payment terms are set based on the ratio between the first usage record shown and the second usage record, which is the settlement amount of the second settlement means in the second period. In this case, the setting unit 131 sets the payment condition to calculate the first payment amount and the second payment amount based on the usage record ratio, which is the ratio between the first usage record and the second usage record, and , the user ID and the payment method IDs of the first payment method and the second payment terms are associated with each other and stored in the storage unit 12 .

[Settlement using payment method]
Next, processing related to payment using a plurality of payment methods including the first payment method and the second payment method will be described.
The payment request receiving unit 132 receives a payment request for payment using a plurality of payment methods, including a first payment method and a second payment method, from a user. The settlement request receiving unit 132 sets a first period during which settlement amounts corresponding to settlements using the first settlement means are aggregated, and a second period during which settlement amounts corresponding to settlements using the second settlement means are aggregated. A payment request including a payment amount corresponding to a payment by the user using the first payment means or the second payment means is received in the overlapping period overlapping the second period.

For example, when the payment method is a credit card, the payment request receiving unit 132 receives the user ID, the shop ID for identifying the shop where the user makes the payment, and the payment amount from the shop terminal 3 provided in the shop. , and a payment instrument ID.

Note that the payment request receiving unit 132 may receive a payment request for payment using a plurality of payment methods including the first payment method and the second 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 in response to the user terminal reading the payment code, the user terminal transmits a payment request to the information processing device 1, whereby payment is made. method.

If the payment request received by the payment request receiving unit 132 is a payment request corresponding to the first payment method or the second payment method, the identification unit 133 determines the payment request based on the payment terms set by the setting unit 131. A first payment amount, which is the payment amount to be paid by the first payment means for the payment corresponding to the payment request, and a second payment amount, which is the payment amount to be paid by the second payment means, are specified.

Specifically, first, the specifying unit 133 refers to the payment terms information stored in the storage unit 12, and associates the user ID and the payment method ID included in the payment request received by the payment request receiving unit 132. It is determined whether or not the When the identification unit 133 determines that the user ID and the payment method ID included in the payment request are stored in association with each other, the identification unit 133 determines that the payment method ID of the first payment method set in the payment terms and the payment method ID of the second payment method are stored. to specify the payment method ID of

The identification unit 133 calculates the remaining amount that can be settled by the user using the first payment method indicated by the payment method ID of the identified first payment method in the overlapping period of the first period and the second period. A certain first settlementable amount and a second settlementable amount, which is the remaining amount that can be settled by the user using the second settlement means indicated by the settlement means ID of the specified second settlement means, are specified.

For example, the identification unit 133 refers to the limit information stored in the storage unit 12, and associates the user ID included in the payment request with the payment method ID of the identified first payment method. A settlement limit is specified as a first settlement limit. Further, the identification unit 133 refers to the payment record information stored in the storage unit 12, and associates the user ID included in the payment request with the payment method ID of the identified first payment method. A first usage record, which is the total settlement amount of the first settlement means, is specified by aggregating the settlement amounts corresponding to the first period. The identifying unit 133 identifies the first available settlement amount by subtracting the first usage record from the identified first settlement limit amount.

Further, the identification unit 133 refers to the limit information stored in the storage unit 12, and associates the user ID included in the payment request with the payment method ID of the identified second payment method. A settlement limit amount is specified as a second settlement limit amount. Further, the identification unit 133 refers to the payment performance information stored in the storage unit 12, and associates the user ID included in the payment request with the payment method ID of the identified second payment method. A second usage record, which is the total settlement amount of the second settlement means, is specified by aggregating the settlement amounts corresponding to the second period. The identifying unit 133 identifies the second available settlement amount by subtracting the second usage record from the identified second settlement limit amount.

The identification unit 133 determines the user's first Based on the payment terms for paying the settlement amount using both the settlement means and the second settlement means, the first payment amount that is the payment amount to be paid by the first settlement means for settlement, and the second payment amount A second payment amount, which is the payment amount to be paid by the settlement means, is specified. The identification unit 133 determines the first payment amount and the second payment amount based on the payment terms associated with the user ID included in the received payment request in the payment terms information stored in the storage unit 12. to identify

For example, if the payment terms correspond to the first payment terms or the second payment terms, that is, if the payment amount is calculated based on the payment ratio set by the setting unit 131, The specifying unit 133 specifies the first payment amount and the second payment amount based on the payment amount included in the received payment request and the respective payment ratios of the first payment method and the second payment method. do.

In addition, the payment terms are based on the ratio between the first usage record, which is the total amount of the first payment amount in the first period, and the second usage record, which is the total amount of the second payment amount in the second period If it indicates that the payment amount is to be calculated, the specifying unit 133 calculates the payment amount included in the received payment request based on the ratio of the amount of the first usage record and the second usage record. Identify the first payment amount and the second payment amount.

In addition, although the specific|specification part 133 specified the 1st payment amount and the 2nd payment amount based on the payment conditions set by the setting part 131, it does not restrict to this. The specifying unit 133 is a payment determined by a first payment operator that provides the first payment means and a second payment operator that provides the second payment means and is different from the first payment operator. You may specify a 1st payment amount and a 2nd payment amount based on conditions. For example, the identifying unit 133 determines the payment ratios of the first payment method and the second payment method, which are predetermined between the first payment business operator and the second payment business operator. to identify the first payment amount and the second payment amount. In this case, the specifying unit 133 may notify the user terminal 2 of information indicating the specified first payment amount and second payment amount.

The payment processing unit 134 performs payment processing when the payment request receiving unit 132 receives the payment request. If the settlement amount included in the settlement request is equal to or less than the sum of the first settlement amount and the second settlement amount specified by the specifying unit 133, the settlement processing unit 134 determines the amount specified by the specifying unit 133. Based on the first payment amount and the second payment amount, the payment corresponding to the payment request is made.

Specifically, the payment processing unit 134 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. For example, the payment processing unit 134 causes the payment operator corresponding to the payment method ID included in the payment request to execute the process of depositing the payment amount to the store specified by the store ID included in the payment request. . In addition, the payment processing unit 134 adds the amount obtained by subtracting the fee paid by the store to the payment business operator that provides the payment means and the fee related to the payment service provided by the information processing device 1 from the payment amount to the account of the store. A deposit process may be executed.

Here, the payment processing unit 134 deposits the payment amount to the shop identified by the shop ID included in the payment request, and charges the first payment amount constituting the payment amount to the first payment business operator. , the second payment amount may be billed to the second payment business operator.

The payment processing unit 134 associates the user ID, the payment method ID, the payment amount, and the date and time when the payment request is received, which are included in the payment request, and stores them in the storage unit 12 as payment record information. Specifically, the payment processing unit 134 stores the user ID included in the payment request, the payment method ID of the first payment method, the first payment amount by the identification unit 133, and the date and time when the payment request was received. are associated with each other and stored in the storage unit 12 as settlement record information. Similarly, the settlement processing unit 134 associates the user ID, the settlement method ID of the second settlement method, the second payment amount specified by the specifying unit 133, and the date and time when the settlement request is received, and displays the settlement result. Stored in the storage unit 12 as information.

The billing unit 135, based on the first payment amount specified by the specifying unit 133, charges the first fee, which is the fee to be paid by the store corresponding to the payment request to the first payment operator who provides the first payment method. A second fee, which is a fee to be paid by the store to the second payment operator who provides the second payment means, is calculated based on the second payment amount. For example, the billing unit 135 calculates a predetermined percentage of the first payment amount as the first fee, and calculates a predetermined percentage of the second payment amount as the second fee. Then, the billing unit 135 bills the shop for the calculated first and second commissions. By doing so, the information processing device 1 can allow the store to pay the first fee and the second fee to the first payment business operator and the second payment business operator.

[Request for payment using a payment method]
Next, a description will be given of processing for requesting payment using a plurality of payment methods including the first payment method and the second payment method.

Based on the payment performance information stored in the storage unit 12, the billing unit 135 calculates the amount billed by summing the payment amounts of the payment methods indicated by the payment method ID to the user who used the payment method indicated by the payment method ID. and bill the calculated billing amount. After the end date of the aggregation period corresponding to the payment method has passed, the billing unit 135 refers to the payment record information stored in the storage unit 12, and totals the user's payment amount during the aggregation period of the payment method. , the billing amount corresponding to the payment means is calculated.

For example, as shown in FIG. 3, the collection period for payment method ID "B" is from the 21st day of the current month to the 20th day of the following month. Calculate the billing amount corresponding to the second payment method by referring to the payment record information and totaling the payment amount corresponding to the user's payment method ID "B" in the aggregation period, and billing the calculated billing amount do.

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 135 sends a transfer request request for bank transfer of the billed amount to the financial institution indicated by the financial institution information, thereby obtaining the billed amount. to the user.

[Operation flow]
Next, the processing flow of the information processing device 1 will be described. FIG. 6 is a flow chart showing the flow of processing when the information processing apparatus 1 receives a payment request.
First, the settlement request receiving unit 132 receives a settlement request (S1). The payment request includes a user ID, a store ID, a payment method ID, and a payment amount.

Subsequently, the identification unit 133 refers to the payment terms information stored in the storage unit 12, and identifies the payment terms associated with the user ID and the payment method ID included in the received payment request. (S2). If the identification unit 133 fails to identify the payment terms, the payment processing unit 134 performs payment based on the payment amount, payment method ID, user ID, and shop ID included in the received payment request. .

Subsequently, the identification unit 133 refers to the payment terms information stored in the storage unit 12, and identifies the two payment method IDs associated with the user ID included in the payment request as the first payment method. The payment means ID and the payment means ID of the second payment means are specified (S3).

Subsequently, the specifying unit 133 refers to the limit information and the settlement record information stored in the storage unit 12, and refers to the first settlement available amount, which is the remaining amount that the user can settle using the first settlement method. The amount and the second settlementable amount, which is the remaining amount that the user can settle using the second settlement means, are specified (S4).

Subsequently, the specifying unit 133 determines whether the settlement amount included in the settlement request is equal to or less than the sum of the first settlement amount and the second settlement amount specified in S4 (S5). When the specifying unit 133 determines that the total amount is equal to or greater than the settlement amount (YES in S5), the process proceeds to S6, and specifies the first payment amount and the second payment amount based on the payment conditions specified in S2. (S6). Then, the payment processing unit 134 performs payment based on the specified first payment amount and second payment amount, and the user ID and store ID included in the payment request (S7).

On the other hand, when the specifying unit 133 determines that the total amount is less than the settlement amount (NO in S5), the process proceeds to S8. The settlement processing unit 134 transmits error information indicating that the total amount of the first settlementable amount and the second settlementable amount is less than the settlement amount and the settlement cannot be made to the sender of the settlement request ( S8).

[Modification 1]
In the above-described embodiment, the identification unit 133 refers to the limit information and the settlement record information stored in the storage unit 12, and the remaining amount that the user can settle using the first settlement means. and the second settlement amount, which is the remaining amount that the user can settle using the second settlement means, are specified, but the present invention is not limited to this.

For example, the storage unit 12 may store the payable amount information that associates the user ID, the payment method ID, and the payable amount of the payment method corresponding to the payment method ID. The first available settlement amount and the second available settlement amount may be specified by referring to the available settlement amount information.

In this case, the billing unit 135 refers to the payable amount information in response to the completion of the payment corresponding to the payment request received by the payment request receiving unit 132, and associates it with the user ID included in the payment request. , the first and second settlement amounts stored in the storage unit 12 may be updated. For example, the billing unit 135 subtracts the first payable amount from the first payable amount stored in association with the user ID included in the settlement request received by the settlement request receiving unit 132, and The second payable amount may be subtracted from the second payable amount that is associated and stored. By doing so, the specifying unit 133 can perform the first settlement with a lower load than when specifying the first settlement amount and the second settlement amount by referring to the limit information and the settlement record information. An available amount and a second available amount can be specified.

[Modification 2]
Further, in the above-described embodiment, the first payment operator and the second payment operator are different operators. The business operator may be the same. Then, the identification unit 133 determines the first payment based on the payment conditions on the condition that the payment business operator that provides the first payment method and the payment business operator that provides the second payment method are the same. An amount and a second payment amount may be specified. In this case, the payment terms may be set by the user through the setting unit 131, or may be set by the settlement operator who provides the first settlement means and the second settlement means.

[Effect of information processing device 1]
As described above, when the information processing apparatus 1 according to the present embodiment receives a settlement request including a settlement amount corresponding to a user's settlement using the first settlement means or the second settlement means, the first A first settlementable amount that is the remaining amount that the user can settle using the first settlement method in the overlapping period of the period and the second period, and a settlement amount that the user can settle using the second settlement method A second settlement amount that is the remaining amount is specified, and if the settlement amount included in the settlement request is equal to or less than the sum of the first settlement amount and the second settlement amount, the user's first settlement amount is specified. Based on the payment terms for paying the settlement amount using both the settlement means and the second settlement means, the first payment amount that is the payment amount to be paid by the first settlement means for settlement, and the second payment amount A second payment amount, which is the payment amount to be paid by the settlement means, is specified. 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 3 store terminal 11 communication unit 12 storage unit 13 control unit 131 setting unit 132 payment request reception unit 133 identification unit 134 payment processing unit 135 billing unit

Claims (13)

In association with user identification information for identifying a user, a first settlement limit indicating the upper limit of the amount that the user can settle in a first period using the first settlement means, and a second settlement means. to store a second settlement limit amount indicating the upper limit of the amount that the user can settle in a second period at least partially overlapping with the first period , and the user identification information of the user and a first payment amount indicating the amount settled by the user using the first payment means, and a second payment amount indicating the amount settled by the user using the second payment means. a storage unit that stores payment performance information ;
A first usage record that is the total amount of the first payment amount in the first period of the user, and a second payment amount that is the total amount of the second payment amount in the second period, based on the payment record information Setting for setting payment conditions for paying the settlement amount corresponding to the settlement by the user using both the first settlement means and the second settlement means of the user, based on the ratio with the actual usage record Department and
Receiving a payment request including a payment amount corresponding to payment by the user using the first payment means or the second payment means in an overlap period in which the first period and the second period overlap a payment request receiving unit for
A first payment amount, which is a payment amount to be paid by the first payment means for payment corresponding to the received payment request, and a payment amount to be paid by the second payment means, based on the payment terms of the user. a specifying part that specifies a second payment amount that is
Information processing device having In association with user identification information for identifying a user, a first settlement limit indicating the upper limit of the amount that the user can settle in a first period using the first settlement means, and a second settlement means. a storage unit that stores a second settlement limit amount that indicates the upper limit of the amount that the user can settle in a second period that at least partially overlaps with the first period using a storage unit;
Based on the ratio of the first settlement limit amount and the second settlement limit amount corresponding to the user, using both the first settlement means and the second settlement means of the user a setting unit for setting payment terms for paying the settlement amount corresponding to the settlement;
Receiving a payment request including a payment amount corresponding to payment by the user using the first payment means or the second payment means in an overlap period in which the first period and the second period overlap a payment request receiving unit for
A first payment amount, which is a payment amount to be paid by the first payment means for payment corresponding to the received payment request, and a payment amount to be paid by the second payment means, based on the payment terms of the user. a specifying part that specifies a second payment amount that is
Information processing device having In association with user identification information for identifying a user, a first settlement limit indicating the upper limit of the amount that the user can settle in a first period using the first settlement means, and a second settlement means. a storage unit that stores a second settlement limit amount that indicates the upper limit of the amount that the user can settle in a second period that at least partially overlaps with the first period using a storage unit;
receiving from the user a specification of a ratio between the first payment means and the second payment means, and based on the received ratio, between the first payment means and the second payment means of the user; a setting unit that sets payment terms for paying the settlement amount corresponding to the user's settlement using both;
Receiving a payment request including a payment amount corresponding to payment by the user using the first payment means or the second payment means in an overlap period in which the first period and the second period overlap a payment request receiving unit for
A first payment amount, which is a payment amount to be paid by the first payment means for payment corresponding to the received payment request, and a payment amount to be paid by the second payment means, based on the payment terms of the user. a specifying part that specifies a second payment amount that is
Information processing device having The specifying unit provides a first settlementable amount that is a remaining amount that the user can settle using the first settlement means in the overlapping period, and a settlement amount that the user can settle using the second settlement means. a second settlement amount that is the remaining amount is specified, and if the settlement amount included in the settlement request is equal to or less than the sum of the first settlement amount and the second settlement amount, Based on the payment terms, a first payment amount, which is the payment amount to be paid by the first payment means for the payment, and a second payment amount, which is the payment amount to be paid by the second payment means, are specified. ,
The information processing apparatus according to any one of claims 1 to 3 . The specifying unit is defined by a first payment business operator that provides the first payment means and a second payment business operator that provides the second payment means and is different from the first payment business operator. Identifying the first payment amount and the second payment amount based on the payment terms obtained,
The information processing apparatus according to any one of claims 1 to 3 . The specifying unit determines the first payment amount based on the payment conditions when the payment business operator that provides the first payment means and the payment business operator that provides the second payment means are the same. and the second payment amount;
The information processing apparatus according to any one of claims 1 to 3 . The specifying unit specifies the first payment amount and the second payment amount based on the payment terms determined by the settlement operator.
The information processing device according to claim 6 . The settlement amount included in the settlement request is a combination of a first settlementable amount, which is the remaining amount that the user can settle using the first settlement means, and the second settlement means in the overlapping period. based on the first payment amount specified by the specifying unit and the second payment amount, if the total amount is less than or equal to the second settlement amount, which is the remaining amount that the user can settle using further comprising a payment processing unit that performs payment corresponding to the payment request by
The information processing apparatus according to any one of claims 1 to 3 . The payment processing unit updates the first possible settlement amount and the second possible settlement amount in response to completion of the payment corresponding to the payment request.
The information processing apparatus according to claim 8 . Based on the first payment amount specified by the specifying unit, a first fee, which is a fee to be paid by the store corresponding to the payment request to the first payment operator who provides the first payment means, is calculated. In addition, based on the second payment amount, a second fee, which is a fee to be paid by the store to the second payment operator that provides the second payment method, is calculated, and the calculated first fee and further comprising a billing unit that charges the store for the second fee;
The information processing apparatus according to claim 8 . the computer runs
User identification information for identifying a user, a first settlement amount indicating the amount settled by the user using the first settlement means, and a second settlement amount indicating the amount settled by the user using the second settlement means 2 total amount of the first payment amount in a first period , which is a period for aggregating payment amounts corresponding to payments made by the user using the first payment method, based on payment record information associated with the payment amount; in a second period in which the first usage record and the settlement amount corresponding to the settlement using the second settlement means are totaled, and at least a part of the period overlaps with the first period Based on the ratio of the total amount of the second payment amount to the second usage record, the user's payment is handled using both the first payment means and the second payment means of the user. setting payment terms for paying the settlement amount;
Receiving a settlement request including a settlement amount corresponding to a settlement by the user using the first settlement means or the second settlement means during an overlap period in which the first period and the second period overlap and
A first payment amount, which is a payment amount to be paid by the first payment means for payment corresponding to the received payment request, and a payment amount to be paid by the second payment means, based on the payment terms of the user. identifying a second payment amount that is
An information processing method comprising: the computer runs
A first settlement limit that indicates the upper limit of the amount that a user can settle in a first period using a first settlement means; both the first payment means and the second payment means of the user based on the ratio of the second payment limit amount indicating the upper limit of the amount that can be settled in the second period in which the period of setting payment terms for paying a settlement amount corresponding to the user's settlement using
Receiving a settlement request including a settlement amount corresponding to a settlement by the user using the first settlement means or the second settlement means during an overlap period in which the first period and the second period overlap and
A first payment amount, which is a payment amount to be paid by the first payment means for payment corresponding to the received payment request, and a payment amount to be paid by the second payment means, based on the payment terms of the user. identifying a second payment amount that is
An information processing method comprising: the computer runs
Receiving from the user a specification of a ratio between the first payment means and the second payment means, and based on the received ratio, both the first payment means and the second payment means of the user setting payment terms for paying a settlement amount corresponding to the user's settlement using
A first period, which is a period for aggregating settlement amounts corresponding to settlements using the first settlement means, and a period for aggregating settlement amounts corresponding to settlements using the second settlement means, Settlement amount corresponding to settlement by the user using the first payment method or the second payment method in the overlapping period of the first period and the second period of which at least a part of the period overlaps receiving a payment request comprising
A first payment amount, which is a payment amount to be paid by the first payment means for payment corresponding to the received payment request, and a payment amount to be paid by the second payment means, based on the payment terms of the user. identifying a second payment amount that is
An information processing method comprising:

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