JP7263604B1 - Information processing system, program and information processing method - Google Patents

Abstract

An object of the present invention is to provide a technology capable of providing a more convenient service by combining a plurality of payment methods. Kind Code: A1 According to one aspect of the present invention, an information processing system is provided. This information processing system has a control unit. The control unit acquires a first virtual balance, which is a virtually set balance, based on the wallet balance, which is the amount charged in advance, and the deferred payment usage amount, which is the amount to be paid later. . Display information about the first virtual balance. [Selection drawing] Fig. 1

Description

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

BACKGROUND ART In the prior art, an electronic payment system is known that includes a mobile phone capable of holding multiple types of electronic money and an electronic payment terminal capable of making payments using electronic money (Patent Document 1).

JP 2009-181224 A

By the way, in recent years, there is still room for improvement in providing more convenient services by combining multiple payment methods.

In view of the circumstances described above, the present invention provides a technology that enables the provision of more convenient services by combining a plurality of payment methods.

According to one aspect of the invention, an information processing system is provided. This information processing system has a control unit. The control unit acquires a first virtual balance, which is a virtually set balance, based on the wallet balance, which is the amount charged in advance, and the deferred payment usage amount, which is the amount to be paid later. . Display information about the first virtual balance.

According to the present disclosure, it is possible to provide a technology capable of providing a more convenient service by combining a plurality of payment methods.

1 is a diagram showing an example of a system configuration of an information processing system 1; FIG. 3 is a diagram illustrating an example of a hardware configuration of a server device 2; FIG. 3 is a diagram illustrating an example of a hardware configuration of a client device 3; FIG. 4 is a diagram showing an example of an activity showing the flow of information processing executed by the information processing system 1; FIG. 4 is a diagram showing an example of a function providing screen 4; FIG. FIG. 10 is a diagram showing an example of a postpay use application screen 5; FIG. It is a diagram showing an example of a deterministic finite automaton that constitutes a virtual balance. FIG. 8 is a diagram showing an example of state transition using a deterministic finite automaton forming the virtual balance shown in FIG. 7; 6 is a diagram showing an example of a function providing screen 6; FIG. FIG. 11 is a diagram showing an example of a usable amount display area 70 of a modified example;

[Embodiment]
Embodiments of the present invention will be described below with reference to the drawings. Various features shown in the embodiments shown below can be combined with each other.

By the way, the program for realizing the software appearing in this embodiment may be provided as a non-transitory computer-readable medium (Non-Transitory Computer-Readable Medium), or may be downloaded from an external server. It may be provided as possible, or may be provided so that the program is activated by an external computer and the function is realized by the client device (so-called cloud computing).

Further, in the present embodiment, the term “unit” may include, for example, a combination of hardware resources implemented by circuits in a broad sense and software information processing that can be specifically realized by these hardware resources. . In addition, various information is handled in the present embodiment, and these information are, for example, physical values of signal values representing voltage and current, and signal values as binary bit aggregates composed of 0 or 1. It is represented by high and low, or quantum superposition (so-called quantum bit), and communication and operation can be performed on a circuit in a broad sense.

A circuit in a broad sense is a circuit implemented by appropriately combining at least circuits, circuits, processors, memories, and the like. Application Specific Integrated Circuits (ASICs), programmable logic devices (e.g., Simple Programmable Logic Devices (SPLDs), Complex Programmable Logic Devices (CPLDs), and field It includes a programmable gate array (Field Programmable Gate Array: FPGA).

1. System Configuration of Information Processing System 1 First, the system configuration of the information processing system 1 of the present embodiment will be described with reference to FIG.

FIG. 1 is a diagram showing an example of the system configuration of an information processing system 1. As shown in FIG. As shown in FIG. 1, the information processing system 1 includes a server device 2, a client device 3, and a network N. As shown in FIG. The server device 2 is configured to communicate with the client device 3 via the network N. FIG. As a result, the server device 2 and the client device 3 can mutually transmit or receive various information. Note that the server device 2 and the client device 3 are examples of information processing devices, and are not limited to the present embodiment. The client device 3 may be a PC (Personal Computer), a tablet computer, a smart phone, or the like. Note that there may be a plurality of server devices 2 and client devices 3 . Here, the system exemplified by the information processing system 1 consists of one or more devices or components. Therefore, even the server device 2 alone or the client device 3 alone is included in the system exemplified as the information processing system 1 .

2. Hardware Configuration Next, hardware configurations of the server device 2 and the client device 3 according to the present embodiment will be described with reference to FIG.

2.1. Hardware Configuration of Server Apparatus 2 FIG. 2 is a diagram showing an example of the hardware configuration of the server apparatus 2 . As shown in FIG. 2, the server device 2 includes a control unit 21, a storage unit 22, and a communication unit 23. These components are electrically connected inside the server device 2 via a communication bus. It is The server device 2 executes processing according to the embodiment.

The control unit 21 processes and controls overall operations related to the server device 2 . The control unit 21 is, for example, a central processing unit (CPU). By the control unit 21 reading out a predetermined program stored in the storage unit 22 and executing processing based on the program, various functions related to the server device 2, such as processing shown in FIGS. is realized. Note that the control unit 21 is not limited to a single unit, and a plurality of control units 21 may be provided for each function. A combination thereof may also be used.

The storage unit 22 stores various information defined by the above description. For example, as a storage device such as a solid state drive (SSD) that stores various programs related to the server device 2 executed by the control unit 21, a temporary necessary storage device related to the calculation of the program is used. It may be implemented as a memory such as a Random Access Memory (RAM) for storing information (arguments, arrays, etc.). The storage unit 22 stores various programs related to the server device 2 executed by the control unit 21, variables, data used when the control unit 21 executes processing based on the programs, and the like. The storage unit 22 also stores a database that stores employee information. The storage unit 22 is an example of a storage medium.

The communication unit 23 preferably uses wired communication means such as USB, IEEE1394, Thunderbolt (registered trademark), wired LAN network communication, etc., but wireless LAN network communication, mobile communication such as LTE/3G/4G/5G, BLUETOOTH (registered trademark), etc. Trademark) communications, etc. may be included as appropriate. That is, it is more preferable to implement as a set of these communication means. That is, the server device 2 may communicate various information from the outside via the communication unit 23 .

2.2. Hardware Configuration of Client Apparatus 3 FIG. 3 is a diagram showing an example of the hardware configuration of the client apparatus 3 . As shown in FIG. 3, the client device 3 has a control unit 31, a storage unit 32, a communication unit 33, an input unit 34, and an output unit 35, and these components are the client device 3. are electrically connected via a communication bus inside. The client device 3 executes processing according to the embodiment. For the control unit 31 , storage unit 32 and communication unit 33 of the client device 3 , refer to the control unit 21 , storage unit 22 and communication unit 23 of the server device 2 .

The input unit 34 may be included in the housing of the client device 3 or may be externally attached. For example, the input unit 34 may be integrated with the output unit 35 and implemented as a touch panel. A touch panel allows the user to input a tap operation, a swipe operation, or the like. Of course, a switch button, a mouse, a QWERTY keyboard, or the like may be employed instead of the touch panel. That is, the input unit 34 receives input based on the operation performed by the user. The input is transferred as a command signal to the control section 31 via the communication bus, and the control section 31 can execute predetermined control or calculation as necessary.

The output unit 35 can function as a display unit of the client device 3 . For example, the output unit 35 may be included in the housing of the client device 3 or may be externally attached. The output unit 35 displays a screen of a graphical user interface (GUI) that can be operated by the user. For example, it is preferable to use a display device such as a CRT display, a liquid crystal display, an organic EL display, and a plasma display according to the type of the client device 3 .

3. Flow of Operation of Information Processing System 1 An example of preferable information processing executed by the information processing system 1 of the present embodiment will be described. In this embodiment,
By operating the client device 3, the user pays using wallet payment and deferred payment. According to one aspect, the user is a postpaid user.

“Wallet payment” is a payment method in which payment is made from the precharged amount. Wallet payments are sometimes referred to as prepaid or instant payments. Wallet payment may also include the concept of prepaid. In addition, "wallet balance" refers to the amount charged in advance in a usable manner by wallet payment.

“Deferred payment” is a payment method in which payment is made after a predetermined period of time has elapsed. Deferred payment may include payment methods such as monthly deferred payment, installment payment and revolving payment. The “postpaid usage limit” is the upper limit of the postpaid usage amount that can be used by a certain user. The postpaid usage amount is set to a different amount depending on the user. “Deferred payment usage amount” means the amount of money that is used for deferred payment.

The postpaid usage amount includes an undetermined postpaid usage amount, a determined postpaid usage amount before withdrawal, and a determined postpaid usage amount after withdrawal. The “undetermined postpaid usage amount” is the deferred payment usage amount that has not yet been determined to be paid. In other words, the undetermined deferred payment usage amount fluctuates depending on charges to the wallet balance, further deferred payment usage, and the like. The “determined postpaid usage amount before withdrawal” is the deferred payment usage amount that has been confirmed to be paid and has not yet been debited from the user's withdrawal account. The “determined deferred payment usage amount after withdrawal” is the deferred payment usage amount debited from the user's withdrawal account.

In addition, in this embodiment, when there is no wallet balance or when the balance is insufficient, a process of paying in arrears is performed. Also, if the wallet balance is charged while there is a postpaid usage amount, processing such as canceling the postpaid usage amount will be performed. In those cases, it is necessary to distinguish between the pending postpaid usage amount and the determined postpaid usage amount prior to debit. Specifically, when there is a deferred payment usage amount, when the month changes, the payment amount due to using deferred payment is confirmed, and then the deferred payment amount confirmed on the 20th is withdrawn from the debit account. be Until this withdrawal is made, an undetermined postpaid usage amount and a determined postpaid usage amount before debiting occur, and it is necessary to identify them. In this embodiment, while the wallet balance and the postpaid usage amount are related to each other, in order to distinguish between the undetermined postpaid usage amount and the determined postpaid usage amount before withdrawal, the first virtual balance b1 and A second virtual balance b2 is defined.

The "first virtual balance b1" is a virtual balance defined by the wallet balance and the postpaid usage amount. For example, the first virtual balance b1 is the amount obtained by subtracting the undetermined postpaid usage amount and the determined postpaid usage amount before withdrawal from the wallet balance. In calculating the first virtual balance b1, the postpaid usage amount is simply used without distinguishing between the fixed postpaid usage amount before withdrawal and the unfixed postpaid usage amount.

"Second virtual balance b2" is a virtual balance that defines a fixed deferred payment usage amount before withdrawal by combining with first virtual balance b1. For example, the second virtual balance b2 is obtained by adding the determined deferred payment usage amount before withdrawal to the first virtual balance b1. That is, since the second virtual balance b2 is compared with the first virtual balance b1 and the fixed postpaid usage amount before withdrawal is added, the fixed postpayment usage amount before withdrawal can be defined. .

In this specification, various information transmitted and received via the network N, the communication section 23 and the communication section 33 are stored in the storage section 22 and the storage section 32, respectively.

Information processing related to the network N, the communication unit 23, the communication unit 33, and the input unit 34 may be omitted in this specification. For example, the control unit 31 receiving a predetermined input through the user's operation on the input unit 34 may simply be described as the control unit 31 receiving a predetermined input from the user. In addition, the control unit 21 simply transmits information to the client device 3 by transmitting information to and receiving information from the client device 3 via the communication unit 23, the network N, and the communication unit 33, or In some cases, it is simply described that the control unit 21 receives information from the client device 3 . The same applies to the case where the control unit 31 transmits and receives information to and from the server device 2 via the communication unit 33, the network N, and the communication unit .

In this specification, the information processing for displaying information on the output unit 35 is simply assumed to be information displayed by the control unit 31 on the output unit 35, and indirectly by displaying information by the control unit 21 on the output unit 35. may be abbreviated as what is displayed in the In that case, for example, information processing as described below is executed. For example, the control unit 31 receives an instruction from the user to change the state of the screen. Control unit 31 generates display information based on the instruction. The control unit 31 controls display on the output unit 35 based on the generated display information. As another example, the control unit 31 receives an instruction from the user to display information on the screen. Control unit 31 transmits the instruction to server device 2 . The control unit 21 receives the instruction from the client device 3 . Control unit 21 generates display information based on the instruction. The control unit 21 transmits the generated display information to the client device 3 . The control unit 31 receives the generated display information from the server device 2 . The control unit 31 controls display on the output unit 35 based on the generated display information. Here, the display information is a concept that includes not only information itself generated in a user-visible manner such as screens, images, icons, texts, etc., but also rendering information for display.

3.1 Outline of Information Processing In this section, an information processing method by the information processing system 1 described above will be described. FIG. 4 is a diagram showing an example of an activity showing the flow of information processing executed by the information processing system 1. As shown in FIG. In FIG. 4, in order to use the payment service, the user logs in (activity A1), applies for deferred payment (activities A2 to A9), is authorized to deferred payment (activity A10), and pays or The flow of information processing up to the execution of charging (activities A11 to A18) will be described.

First, the information processing system 1 executes a login process (activity A1). For example, the control unit 31 receives an input of login information (ID and password) and a login instruction from the user, and transmits the received login information to the server device 2 . After that, the control unit 21 receives login information from the client device 3 . The control unit 21 determines whether or not the received login information matches the user's login information stored in the storage unit 22 . If the login information matches, the control unit 21 causes the output unit 35 to display a function providing screen 4 (described later with reference to FIG. 5) to provide various functions.

Subsequently, the control unit 31 accepts pressing of a use application button 430 (described later with reference to FIG. 5) included in the function providing screen 4 from the user (activity A2). Next, in response to receiving the pressing of the usage application button 430, the control unit 31 transmits a request for application for postpayment usage to the server device 2 (activity A3).

Subsequently, the control unit 21 receives a request for a postpaid usage application from the client device 3 (activity A4). Next, in response to receiving an instruction to apply for use of postpay from the client device 3, the control unit 21 transmits a request for information necessary for starting use of postpay to the client device 3 (activity A5).

Subsequently, the control unit 31 receives from the server device 2 a request for information necessary to start using postpaid (activity A6). Next, the control unit 31 causes the output unit 35 to display a screen for inputting information necessary for starting use of postpayment, such as a postpayment use application screen 5 (described later with reference to FIG. 6). The control unit 31 receives input of information necessary for starting use of postpayment from the user on the postpayment use application screen 5 (activity A7). Next, the control unit 31 transmits to the server device 2 information necessary to start using postpaid (activity A8).

Subsequently, the control unit 21 receives from the client device 3 the information necessary to start using postpaid (activity A9). Next, the control unit 21 authorizes postpayment and determines a postpayment usage limit (activity A10). At this time, the control unit 21 sets the available limit for postpayment according to the transition of the user's deposit balance, the user's desired amount, and the like. It should be noted that the postpaid usage limit may be set by examination by the service provider. In this case, the information processing device used by the service provider transmits to the server device 2 the examination result of the postpaid usage limit. Next, the control unit 21 transmits to the client device 3 display information that can identify that the user has the authority to pay later (activity A11).

Subsequently, the control unit 31 receives from the server device 2 display information that can identify that the user has the authority to pay later (activity A12). When the user has logged out of the service when executing the process of A12, the information processing system 1 may prompt the user to log in again. Next, the control unit 31 receives a payment instruction from the user (activity A13). The payment instruction includes an instruction to charge the wallet balance or an instruction to make a payment. Next, the control unit 31 transmits a settlement instruction to the server device 2 (activity A14).

Subsequently, the control unit 21 receives a settlement instruction from the client device 3 (activity A15). Next, the control unit 21 executes processing based on the payment instruction (activity A16). At this time, the control unit 21 acquires the wallet balance, which is the amount charged in advance, and the deferred payment usage amount, which is the amount to be paid in deferred payment. The control unit 21 obtains a first virtual balance b1, which is a virtually set balance, by subtracting the postpaid usage amount from the wallet balance. Next, the control unit 21 transmits display information after payment or charging to the client device 3 (activity A17). The display information after payment or charging includes information on the first virtual balance b1.

Finally, the control unit 31 receives display information after payment or charging from the server device 2 (activity A18). The control unit 31 causes the output unit 35 to display information about the first virtual balance b1 based on the display information after settlement. The information on the first virtual balance b1 displayed here is the total amount of money that the user can use for payment. From a certain point of view, the information on the first virtual balance b1 may be information on the amount calculated from the first virtual balance b1. Further, from a certain point of view, the control unit 21 causes the output unit 35 to display a function providing screen 6 (described later using FIG. 9).

According to the present embodiment, it is possible to provide a technology capable of providing a more convenient service by combining a plurality of payment methods. Also, since the first virtual balance b1 is set, the user can easily recognize the amount of money that the user can use. Furthermore, since complex information processing is not required for processing combining a plurality of payment methods, cache memory usage of the server device 2 and the client device 3 can be reduced. In addition, as a result of being able to reduce the use of cache memory, a large-scale device or computer is not required, so information processing can be performed at low cost.

3.2 Details of Information Processing Next, details of the information processing outlined above will be described with reference to FIGS. First, with reference to FIG. 5, the details of the function providing screen 4 that is displayed when accepting a request for use of postpaid usage in activity A2 of FIG. 4 will be described.

FIG. 5 is a diagram showing an example of the function providing screen 4. As shown in FIG. The function providing screen 4 is a screen for providing various functions to the user. The function providing screen 4 of FIG. 5 includes at least a wallet balance display area 41 , a deferred payment application area 43 , an advertisement area 44 , and a deposit/withdrawal history display area 45 .

The wallet balance display area 41 is an area where information about the wallet balance is displayed. Wallet balance display area 41 includes wallet balance information 410 and point balance information 411 . The wallet balance information 410 is information on the current wallet balance. For example, the wallet balance information 410 is information such as "1,500 yen". The point balance information 411 is information about the current point balance. For example, the point balance information 411 is information such as "5 points". Here, points can be used for payment as 1 yen per point. Points are granted by new registration to a predetermined service, payment by using wallet balance, payment by using deferred payment, and the like.

The deferred payment application area 43 is an area in which information relating to the deferred payment application is displayed. Deferred payment application area 43 includes use application button 430 . The use application button 430 is a button for applying for deferred payment. Control unit 21 causes output unit 35 to display deferred payment use application screen 5 shown in FIG.

The advertisement area 44 is an area in which advertisements regarding predetermined services are displayed. The advertisement area 44 may display information on benefits obtained by using a predetermined service.

The deposit/withdrawal history display area 45 is an area in which information regarding deposits or withdrawals is displayed. The deposit/withdrawal history display area 45 includes deposit information 450 and withdrawal information 451 . The deposit information 450 is information including the date and time of deposit by the user and the amount of deposit. For example, the deposit information 450 is information indicating that "2,000 yen" was deposited at "10:00 on January 1, 2022". The withdrawal information 451 includes the date and time when the user withdrew money, transaction content information, the withdrawal amount, and a wallet mark 451a. The transaction details information is information for specifying the payee. The wallet mark 451a is information for indicating that payment has been made with the wallet balance. For example, the withdrawal information 451 is information indicating that "500 yen" was withdrawn at "12:00 on January 2, 2022" at "Money Coffee" by using the wallet balance. be.

Next, with reference to FIG. 6, the details of the post-payment use application screen 5 displayed when accepting the input of the information required for the post-payment use application in activity A7 of FIG. 4 will be described.

FIG. 6 is a diagram showing an example of the deferred payment use application screen 5. As shown in FIG. A deferred payment use application screen 5 is a screen displayed when applying for deferred payment use. The deferred payment usage application screen 5 includes a desired usage limit input area 50 , a withdrawal account selection area 51 , and a content application button 52 . The desired usage limit input area 50 is an area configured so that the user can input an amount of money as a usage limit for post-payment that the user desires. The withdrawal account selection area 51 is an area for selecting a withdrawal account. The debit account is an account from which the fixed deferred payment usage amount before debit is debited at a specific timing. The specific timing is the timing at which the determined postpaid usage amount before withdrawal becomes the determined postpaid usage amount after withdrawal. The specific timing is, for example, the 20th of every month. The withdrawal account selection area 51 is configured so that a predetermined bank account can be selected in a pull-down format. Here, the predetermined bank account may be a corporate or individual bank account that is linked with another service. For example, when using the deferred payment service with Money Forward Pay for Business, the withdrawal account selection area 51 allows the user to select a linked bank account to acquire accounting information using account aggregation in the Money Forward cloud. may be configured. The content application button 52 is a button for applying for deferred payment based on the information entered in the desired usage limit input area 50 and the withdrawal account selection area 51 . The control unit 21 grants the deferred payment authority to the user's account in response to the content application button 52 being pressed.

Next, the details of the execution of the processing based on the payment instruction of activity A16 in FIG. 4 will be described with reference to FIGS. 7 and 8. FIG. In FIG. 7 described above, the state set Q and the input set Σ will be described.

FIG. 7 is a diagram showing an example of a deterministic finite automaton that constitutes a virtual balance. The state set Q of the deterministic finite automaton in FIG. 7 defines a first state S1, a second state S2, and a third state S3 as follows. Each of the first state S1, the second state S2 and the third state S3 is an accepting state in the deterministic finite automaton.

数３に示す通り、第２状態Ｓ２では、第１仮想残高ｂ１が０未満であり、第２仮想残高ｂ２が０以上である。

数４に示す通り、第３状態Ｓ３では、第１仮想残高ｂ１及び第２仮想残高ｂ２が０未満である。

The first state S1, the second state S2 and the third state S3 can be expressed as follows using the first virtual balance b1 and the second virtual balance b2. As shown in Equation 2, in the first state S1, the first virtual balance b1 and the second virtual balance b2 are 0 or more.

As shown in Equation 3, in the second state S2, the first virtual balance b1 is less than 0 and the second virtual balance b2 is 0 or more.

As shown in Equation 4, the first virtual balance b1 and the second virtual balance b2 are less than 0 in the third state S3.

利用可能額を増やす入金の集合Ｆ１は、入力ｓ、ｔ、ｕを用いて、以下のように定義される。

利用可能額を減らす出金の集合Ｆ２は、入力ｐ、ｑ、ｒを用いて、以下のように定義される。

Next, the set Σ of inputs will be explained. A set Σ of inputs in the deterministic finite automaton of FIG. 7 is defined as follows using inputs p, q, r, s, t, and u.

The set of available-increasing deposits F1 is defined as follows, using inputs s, t, and u.

The set of available reducing withdrawals F2 is defined using inputs p, q, r as follows.

出金される金額ｘが第１仮想残高ｂ１よりも大きく、第２仮想残高ｂ２以下である場合を、入力ｑとする。

出金される金額ｘが第１仮想残高ｂ１以下である場合を、入力ｒとする。

入金される金額ｘが第１仮想残高ｂ１に－１を乗じた値よりも大きい場合を、入力ｓとする。

入金される金額ｘが第２仮想残高ｂ２に－１を乗じた値よりも大きく、第１仮想残高ｂ１に－１を乗じた値以下である場合を、入力ｔとする。

入金される金額ｘが第２仮想残高ｂ２に－１を乗じた値以下である場合を、入力ｕとする。

Assuming that the amount of money to be deposited or withdrawn is x, each input p, q, r, s, t, and u shall satisfy the following conditions. A case where the amount x to be withdrawn is larger than the second virtual balance b2 is assumed to be an input p.

Input q is the case where the amount x to be withdrawn is greater than the first virtual balance b1 and equal to or less than the second virtual balance b2.

A case where the amount x to be withdrawn is equal to or less than the first virtual balance b1 is assumed to be an input r.

The case where the amount x to be deposited is greater than the value obtained by multiplying the first imaginary balance b1 by -1 is defined as an input s.

Input t is the case where the amount x to be deposited is greater than the value obtained by multiplying the second virtual balance b2 by -1 and is equal to or less than the value obtained by multiplying the first virtual balance b1 by -1.

Input u is the case where the amount x to be deposited is equal to or less than the value obtained by multiplying the second virtual balance b2 by -1.

Output 0 in FIG. 7 indicates that no deferred payment details are issued. Output 1 in FIG. 7 indicates issuing a deferred payment statement. Here, the deferred payment details are details indicating that the deferred payment is made. The deferred payment details include at least one or more of information regarding amounts such as postpaid usage amounts and information regarding dates such as deferred payment usage dates and times.

２つ目の拘束条件は、数１５に示す通り、入金又は出金される金額ｘは、０以上であることである。

拘束条件を満たさないため、状態Ｓ２において、ｒ、ｕは入力されない。 There are two constraints. The first constraint condition is that the value of the second virtual balance b2 is greater than or equal to the value of the first virtual balance b1, as shown in Equation 14.

The second constraint is that the amount x to be deposited or withdrawn is 0 or more, as shown in Equation 15.

Since the constraint is not satisfied, r and u are not input in state S2.

Next, referring to FIG. 8, the wallet balance defined so far, the fixed postpayment usage amount before withdrawal, the unfixed postpayment usage amount, the first virtual balance b1, and the second virtual balance b2 , states S1, S2, and S3, and respective inputs p, q, r, s, t, and u.

FIG. 8 is a diagram showing an example of state transition using a deterministic finite automaton forming the virtual balance shown in FIG. Assume that the initial state is (b1, b2)=(0, 0). The initial state is the first state S1 because the first virtual balance b1 and the second virtual balance b2 are equal to or greater than 0 and the condition of Equation 2 is satisfied. In the example shown in FIG. 8, the undetermined deferred payment usage amount becomes the determined deferred payment usage amount before withdrawal at the timing of the change of the month. The timing of month switching is an example of predetermined timing. The fixed deferred payment usage amount before withdrawal is withdrawn from a preset withdrawal account on the 20th of each month. The 20th of every month is an example of specific timing.

[Processing on January 1]
A case where an amount of 2,000 yen is charged to the wallet balance on January 1 will be described.
The control unit 21 changes the wallet balance from 0 to 2,000 yen.
The control unit 21 leaves the undetermined deferred payment usage amount at zero.
The control unit 21 keeps the fixed postpaid usage amount before withdrawal as 0. - 特許庁
The control unit 21 changes the first virtual balance b1 from 0 to 2,000 yen.
The control unit 21 changes the second virtual balance b2 from 0 to 2,000 yen.
The value obtained by multiplying the first virtual balance b1 by -1 is 0, and 2,000 yen, which is larger than 0, has been deposited. At this time, since the first virtual balance b1 and the second virtual balance b2 remain 0 or more and satisfy the condition of Expression 2, the control unit 21 remains in the first state S1.

[Processing on January 2nd]
A case where an amount of 500 yen is paid from the wallet balance on January 2 will be explained.
The control unit 21 changes the wallet balance from 2,000 yen to 1,500 yen.
The control unit 21 leaves the undetermined deferred payment usage amount at zero.
The control unit 21 keeps the fixed postpaid usage amount before withdrawal as 0. - 特許庁
The control unit 21 changes the first virtual balance b1 from 2,000 yen to 1,500 yen.
The control unit 21 changes the second virtual balance b2 from 2,000 yen to 1,500 yen.
With the first virtual balance b1 of 2,000 yen, 500 yen, which is smaller than the first virtual balance b1, has been withdrawn. At this time, since the first virtual balance b1 and the second virtual balance b2 remain 0 or more and satisfy the condition of Expression 2, the control unit 21 remains in the first state S1.

[Processing on January 3]
A case where an amount of 2,500 yen is paid from the wallet balance on January 3 will be explained.
The control unit 21 changes the wallet balance from 1,500 yen to 0.
The control unit 21 sets the undetermined deferred payment usage amount to 0 to 1,000 yen.
The control unit 21 keeps the fixed postpaid usage amount before withdrawal as 0. - 特許庁
The control unit 21 sets the first virtual balance b1 from 1,500 yen to -1,000 yen. That is, when the payment of the amount (2,500 yen) exceeding the wallet balance (1,500 yen) is made, the control unit 21 consumes all of the wallet balance (1,500 yen) and is insufficient. The payment amount (1,000 yen) is paid in arrears, and from the first virtual balance b1 (1,500 yen), the amount of the consumed wallet balance (1,500 yen) and the amount paid in arrears ( 1,000 yen) to obtain the first virtual balance b1 after payment (-1,000 yen).
The control unit 21 sets the second virtual balance b2 from 1,500 yen to -1,000 yen.
With the second virtual balance b2 of 1,000 yen, 2,500 yen, which is larger than the second virtual balance b2, will be withdrawn. . At this time, since the first virtual balance b1 and the second virtual balance b2 are less than 0 and the condition of Equation 4 is satisfied, the control unit 21 transitions from the first state S1 to the third state S3.
Since the second virtual balance has decreased from 1,500 yen to -1,000 yen and is less than 0, the control unit 21 issues a deferred payment statement. The fact that the second virtual balance b2 is less than 0 is an example of the fact that the second virtual balance b2 exceeds a predetermined threshold.

[Processing on February 1]
A case where the claim is finalized on February 1 will be explained.
The control unit 21 leaves the wallet balance at zero.
The control unit 21 changes the undetermined deferred payment usage amount from 1,000 yen to 0.
The control unit 21 sets the fixed deferred payment usage amount before withdrawal from 0 to 1000 yen.
The control unit 21 leaves the first virtual balance b1 at -1,000 yen. The first virtual balance b1 is the amount obtained by subtracting the fixed postpaid usage amount before withdrawal and the unfixed postpaid usage amount and amount from the wallet balance.
The control unit 21 changes the second virtual balance b2 from -1,000 yen to 0. The control unit 21 manages the second virtual balance b2 that defines the fixed deferred payment usage amount (1,000 yen) before withdrawal at the timing of the month change to February.
Since the first virtual balance b1 remains less than 0 and the second virtual balance b2 becomes 0 or more and satisfies the condition of Expression 3, the control unit 21 transitions from the third state S3 to the second state S2.

[Processing on February 2nd]
A case where an amount of 3,000 yen is paid later on February 2 will be explained.
The control unit 21 leaves the wallet balance at zero.
The control unit 21 sets the undetermined deferred payment usage amount from 0 to 3,000 yen.
The control unit 21 keeps the fixed deferred payment usage amount before withdrawal at 1000 yen.
The control unit 21 changes the first virtual balance b1 from -1,000 yen to -4,000 yen.
The control unit 21 changes the second virtual balance b2 from 0 to -3,000 yen.
With the second virtual balance b2 of 0 yen, 3,000 yen, which is larger than the second virtual balance b2, has been withdrawn. At this time, since the first virtual balance b1 and the second virtual balance b2 are less than 0 and the condition of Expression 4 is satisfied, the control unit 21 transitions from the second state S2 to the third state S3.
Since the second virtual balance has changed from 0 to -3,000 yen and is less than 0, the control unit 21 issues a deferred payment statement.

[Processing on February 3]
A case where 3,500 yen is charged on February 3 will be described.
The control unit 21 changes the wallet balance from 0 to 500 yen.
The control unit 21 changes the undetermined deferred payment usage amount from 1,000 yen to 0. That is, when the balance of the wallet is charged while there is an undetermined postpayment amount (1,000 yen), the control unit 21 offsets the postpayment amount.
The control unit 21 leaves the fixed deferred payment usage amount before withdrawal at 1,000 yen.
The control unit 21 changes the first virtual balance b1 from -4,000 yen to -500 yen.
The control unit 21 changes the second virtual balance b2 from -3,000 yen to 500 yen.
When the first virtual balance b1 is -4,000 yen and the second virtual balance b2 is -3,000 yen, it is larger than the value obtained by multiplying the second virtual balance b2 by -1, and the first virtual balance Since 3,500 yen, which is less than the value obtained by multiplying b1 by -1, has been received, the control unit 21 processes the input t according to Equation 12. At this time, the first virtual balance b1 remains less than 0 and the second virtual balance b2 becomes 0 or more, satisfying the condition of Expression 3, so the control unit 21 transitions from the third state S3 to the second state S2. .
The control unit 21 issues a deferred payment statement because the undetermined deferred payment usage amount (1,000 yen) has been offset by the charge to the wallet balance.

[Processing on February 4]
A case where an amount of 200 yen is paid from the wallet balance on February 4 will be explained.
The control unit 21 changes the wallet balance from 500 yen to 300 yen.
The control unit 21 leaves the undetermined deferred payment usage amount at zero.
The control unit 21 keeps the fixed deferred payment usage amount before withdrawal at 1000 yen.
The control unit 21 changes the first virtual balance b1 from -500 yen to -700 yen.
The control unit 21 changes the second virtual balance b2 from 500 yen to 300 yen.
Withdrawal of 200 yen, which is larger than the first virtual balance b1 and smaller than the second virtual balance b2, in a state where the first virtual balance b1 is -500 yen and the second virtual balance b2 is 500 yen. Therefore, according to Expression 9, the control unit 21 processes the input q. At this time, the first imaginary balance b1 remains less than 0 and the second imaginary balance b2 remains equal to or greater than 0, which satisfies the condition of Expression 3, so the control unit 21 remains in the second state S2.

[Processing on February 5]
A case where an amount of 1,000 yen is paid on February 5 from the wallet balance and the deferred payment will be explained.
The control unit 21 changes the wallet balance from 300 yen to 0.
The control unit 21 changes the undetermined deferred payment usage amount from 0 to 700 yen.
The control unit 21 leaves the fixed deferred payment usage amount before withdrawal at 1,000 yen.
The control unit 21 changes the first virtual balance b1 from -700 yen to -1,700 yen. That is, when the payment of the amount (1,000 yen) exceeding the wallet balance (300 yen) is made, the control unit 21 consumes the entire wallet balance (300 yen) and the insufficient payment amount (700 yen). yen) by deferred payment, and subtracting the consumed wallet balance amount (300 yen) and the deferred payment amount (700 yen) from the first virtual balance b1 (-700 yen), Obtain the first virtual balance b1 (-1,700 yen) after payment.
The control unit 21 changes the second virtual balance b2 from 300 yen to -700 yen.
With the first virtual balance b1 of -700 yen and the second virtual balance b2 of 300 yen, 1,000 yen, which is larger than the second virtual balance b2, has been withdrawn. The part 21 processes the input p. At this time, since the first virtual balance b1 and the second virtual balance b2 are less than 0 and the condition of Expression 4 is satisfied, the control unit 21 transitions from the second state S2 to the third state S3.
Since the second virtual balance has decreased from 300 yen to -700 yen and is less than 0, the control unit 21 issues a deferred payment statement.

[Processing on February 20]
A case where the claim is finalized on February 20 will be described.
The control unit 21 keeps the wallet balance at 0 yen.
The control unit 21 leaves the undetermined deferred payment usage amount at 700 yen.
The control unit 21 changes the fixed deferred payment usage amount before withdrawal from 1000 yen to 0. - 特許庁
The control unit 21 changes the first virtual balance b1 from -1,700 yen to -700 yen.
The control unit 21 keeps the second virtual balance b2 at -700 yen.
Since the first virtual balance b1 and the second virtual balance b2 remain less than 0, the control unit 21 remains in the third state S3 according to the condition of Equation 4.

[Processing on February 21]
A case where an amount of 300 yen is paid after payment on February 21 will be described.
The control unit 21 leaves the wallet balance at zero.
The control unit 21 changes the undetermined deferred payment usage amount from 700 yen to 1000 yen.
The control unit 21 keeps the fixed postpaid usage amount before withdrawal as 0. - 特許庁
The control unit 21 changes the first virtual balance b1 from -700 yen to -1,000 yen.
The control unit 21 changes the second virtual balance b2 from -700 yen to -1,000 yen.
Since 300 yen, which is larger than the second virtual balance b2, has been withdrawn, the control unit 21 processes the input p according to Equation 8. At this time, since the first virtual balance b1 and the second virtual balance b2 remain less than 0, the control unit 21 remains in the third state S3 according to the condition of Equation 4.
Since the second virtual balance has changed from -700 yen to -1,000 yen and is less than 0, the control unit 21 issues a deferred payment statement. From another point of view, the control unit 21 issues a deferred payment statement when deferred payment is used in a state in which an undetermined deferred payment usage amount exists.

[Processing on March 1]
A case where the claim is finalized on March 1 will be explained.
The control unit 21 leaves the wallet balance at zero.
The control unit 21 changes the undetermined deferred payment usage amount from 1,000 yen to 0.
The control unit 21 sets the fixed deferred payment usage amount before withdrawal from 0 to 1000 yen.
The control unit 21 leaves the first virtual balance b1 at -1,000 yen.
The control unit 21 changes the second virtual balance b2 from -1,000 yen to 0. The control unit 21 manages the second virtual balance b2 that defines the fixed deferred payment usage amount (1,000 yen) before withdrawal at the timing of the month change to March.
Since the first virtual balance b1 remains less than 0 and the second virtual balance b2 becomes 0 or more and satisfies the condition of Expression 3, the control unit 21 transitions from the third state S3 to the second state S2.

[Processing on March 2nd]
A case where the wallet balance is charged with an amount of 2,000 yen on March 2 will be described.
The control unit 21 changes the wallet balance from 0 to 2,000 yen.
The control unit 21 leaves the undetermined deferred payment usage amount at zero. In other words, if the balance of the wallet is charged while there is a determined postpayment amount (1,000 yen) before withdrawal, the control unit 21 does not offset the postpayment amount.
The control unit 21 keeps the fixed deferred payment usage amount before withdrawal at 1000 yen.
The control unit 21 changes the first virtual balance b1 from -1,000 yen to 1,000 yen.
The control unit 21 changes the second virtual balance b2 from 0 to 2,000 yen.
Since the first virtual balance b1 is -1,000 yen, 2,000 yen, which is larger than -b1, has been deposited. At this time, since the first virtual balance b1 and the second virtual balance b2 become 0 or more and satisfy the condition of Expression 2, the control unit 21 changes the state from the second state S2 to the first state S1.

[Processing on March 3]
A case where 1,200 yen is paid from the wallet balance on March 3 will be explained.
The control unit 21 changes the wallet balance from 2,000 yen to 800 yen.
The control unit 21 leaves the undetermined deferred payment usage amount at zero.
The control unit 21 leaves the fixed deferred payment usage amount before withdrawal at 1,000 yen.
The control unit 21 changes the first virtual balance b1 from 1,000 yen to -200 yen.
The control unit 21 changes the second virtual balance b2 from 2,000 yen to 800 yen.
When the first virtual balance b1 is 1,000 yen and the second virtual balance b2 is 2,000 yen, 1200 yen, which is larger than the first virtual balance b1 and smaller than the second virtual balance b2, is withdrawn. Therefore, the control unit 21 processes the input q according to Equation 9. At this time, the first imaginary balance b1 becomes less than 0 and the second imaginary balance b2 remains equal to or greater than 0. Therefore, the condition of Expression 3 is satisfied, so the control unit 21 shifts from the first state S1 to the second state S2. Transition state.

[Processing on March 4]
A case where an amount of 100 yen is charged on March 4 will be described.
The control unit 21 changes the wallet balance from 800 yen to 900 yen.
The control unit 21 leaves the undetermined deferred payment usage amount at zero.
The control unit 21 keeps the fixed deferred payment usage amount before withdrawal at 1000 yen.
The control unit 21 changes the first virtual balance b1 from -200 yen to -100 yen.
The control unit 21 changes the second virtual balance b2 from 800 yen to 900 yen.
When the first virtual balance b1 is -200 yen and the second virtual balance b2 is 800 yen, it is larger than the value obtained by multiplying the second virtual balance b2 by -1, and -1 is added to the first virtual balance b1. Since 100 yen, which is smaller than the multiplied value, has been received, the control unit 21 processes the input t according to Equation 12. At this time, since the first virtual balance b1 remains less than 0 and the second virtual balance b2 remains 0 or more, the control unit 21 remains in the second state S2 according to the condition of Expression 3.

[Processing on March 5]
A case where an amount of 1,100 yen is paid on March 5 from the wallet balance and the deferred payment will be explained.
The control unit 21 changes the wallet balance from 900 yen to 0.
The control unit 21 changes the undetermined deferred payment usage amount from 0 to 200 yen.
The control unit 21 leaves the fixed deferred payment usage amount before withdrawal at 1,000 yen.
The control unit 21 changes the first virtual balance b1 from -100 yen to -1,200 yen. That is, when the payment of the amount (1,100 yen) exceeding the wallet balance (900 yen) is made, the control unit 21 consumes the entire wallet balance (900 yen) and the insufficient payment amount (200 yen). yen) by deferred payment, and subtracting the consumed wallet balance amount (900 yen) and the deferred payment amount (200 yen) from the first virtual balance b1 (-100 yen), Obtain the first virtual balance b1 (-1,200 yen) after payment.
The control unit 21 changes the second virtual balance b2 from 900 yen to -200 yen.
With the second virtual balance b2 of 900 yen, 1,100 yen, which is larger than the second virtual balance b2, has been withdrawn. At this time, since the first virtual balance b1 and the second virtual balance b2 are less than 0, the condition of Equation 4 is satisfied, so the control unit 21 transitions from the second state S2 to the third state S3.
Since the second virtual balance has decreased from 900 yen to -200 yen and is less than 0, the control unit 21 issues a deferred payment statement.

[Processing on March 6]
A case where the wallet balance is charged with an amount of 1,700 yen on March 6 will be described.
The control unit 21 changes the wallet balance from 0 to 1,500 yen.
The control unit 21 changes the undetermined deferred payment usage amount from 200 yen to 0.
The control unit 21 leaves the fixed deferred payment usage amount before withdrawal at 1,000 yen.
The control unit 21 changes the first virtual balance b1 from -1,200 yen to 500 yen.
The control unit 21 changes the second virtual balance b2 from -200 yen to 1,500 yen.
Since the first virtual balance b1 is -1,200 yen, 2,000 yen, which is larger than -b1 of 1,200 yen, has been deposited. process. At this time, since the first virtual balance b1 and the second virtual balance b2 are equal to or greater than 0, the condition of Equation 2 is satisfied, so the control unit 21 transitions from the third state S3 to the first state S1.
The control unit 21 issues a deferred payment statement because the undetermined deferred payment usage amount (200 yen) has been offset by the charge to the wallet balance.

[Processing on March 20]
A case where the claim is finalized on March 20 will be described.
The control unit 21 leaves the wallet balance at 1,500 yen.
The control unit 21 leaves the undetermined deferred payment usage amount at 0 yen.
The control unit 21 changes the fixed deferred payment usage amount before withdrawal from 1000 yen to 0. - 特許庁
The control unit 21 changes the first virtual balance b1 from 500 yen to 1,500 yen.
The control unit 21 leaves the second virtual balance b2 at 1500 yen.
Since the first virtual balance b1 and the second virtual balance b2 are 0 or more and satisfy the condition of Expression 2, the control unit 21 remains in the first state S1.

Next, the details of the function providing screen 6 displayed in the activity A18 of FIG. 4 will be described with reference to FIG.

FIG. 9 is a diagram showing an example of the function providing screen 6. As shown in FIG. The function providing screen 6 is a screen for providing various functions to the user. The function providing screen 6 is a screen related to the information processing of A2 in FIG. 9 includes at least an available amount display area 60, a wallet balance display area 61, a postpaid usage amount display area 62, an advertisement area 64, and a deposit/withdrawal history display area 65. .

The available amount display area 60 is an area where information regarding the available amount is displayed. The available amount display area 60 includes available amount information 600 , postpaid usage limit information 601 , wallet balance information 602 , and postpaid usage amount information 603 . The available amount information 600 is the total amount of money that the user can use for payment. More specifically, the available amount information 600 includes the fixed postpayment amount before withdrawal and the unfixed postpayment amount from the amount obtained by adding the wallet balance to the postpayment usage limit set for the user. It is the amount after subtracting the usage amount. From a certain point of view, at the timing when the fixed postpaid usage amount before withdrawal becomes the fixed postpaid usage amount after withdrawal, the available amount information 600 shows that the fixed postpaid usage amount before withdrawal is subtracted. become information. From a certain point of view, the control unit 21 uses the balance, which is the virtual set balance, based on the wallet balance, which is the amount charged in advance, and the postpaid usage amount, which is the amount to be paid later. The available amount information 600 is acquired. The control unit 21 causes the output unit 35 to display the available amount information 600 . Here, the available amount information 600 is an example of information regarding the first virtual balance b1. This makes it easier for the user to recognize the amount that the user can use based on the postpaid usage amount, the wallet balance, and the postpaid usage limit.

The postpaid usage limit information 601 is information about the postpaid usage limit. Here, the deferred payment usage limit is an amount that can be used for deferred payment. Also, the deferred payment usage limit is a fixed value that does not change depending on the use of the wallet balance, the use of deferred payment, and the like. The wallet balance information 602 is information about the wallet balance. Wallet balance is synonymous with prepaid balance. The deferred payment usage amount information 603 is information regarding the total amount of deferred payment. From a certain point of view, if there is no undetermined postpaid usage amount, the postpaid usage amount information 603 is "0". Further, according to a certain point of view, the postpaid usage amount information 603 becomes "0" at the timing when the determined postpaid usage amount before withdrawal becomes the determined postpaid usage amount after debiting. Also, from a certain point of view, the control unit 21 causes the output unit 35 to display the postpayment usage limit information 601, the wallet balance information 602, and the postpayment usage amount information 603 in a listable state. This makes it easier for the user to recognize the wallet balance, the postpayment usage amount, and the postpayment usage limit, thereby improving convenience.

Refer to the wallet balance display area 41 for the wallet balance display area 61 . The wallet balance information 610 in FIG. 9 is "500 yen". The point balance information 611 in FIG. 9 is "60 points".

The postpaid usage amount display area 62 is an area in which information regarding the postpaid usage amount is displayed. The postpaid usage amount display area 62 includes fixed postpayment information 620 and unfixed postpayment information 621 . The fixed deferred payment information 620 is information regarding the deferred payment that has been decided. Fixed deferred payment information 620 may include information regarding the period during which deferred payment was used, such as "January 2022". The fixed deferred payment information 620 may include information on the date of withdrawal, such as "February 20th withdrawal". The fixed postpayment information 620 may include information for identifying the fixed postpayment usage amount before withdrawal or the fixed postpayment usage amount after withdrawal, such as “fixed”. The fixed postpayment information 620 may include information on a fixed postpayment usage amount before debiting such as “1,000 yen” or a fixed postpayment usage amount after debiting. When it is time to change months when the second virtual balance b2 is less than 0, the control unit 21 multiplies the fixed deferred payment information 620 by -1 to the second virtual balance b2 that is less than 0. It is the fixed deferred payment amount before withdrawal. In addition, when the timing of the month change comes when the second virtual balance b2 is 0 or more, the control unit 21 sets "0 yen" as the fixed deferred payment usage amount before withdrawal.

The unconfirmed postpayment information 621 is information regarding unconfirmed postpayment. The unconfirmed postpayment information 621 may include information related to the period in which postpayment was used, such as "February 2022". The unconfirmed deferred payment information 621 may include information on the date of withdrawal, such as "withdrawal on March 20th". The undetermined postpayment information 621 may include information for identifying an undetermined deferred payment usage amount such as “undetermined”. The undetermined deferred payment information 621 may include information on an undetermined deferred payment usage amount such as “0 yen”.

For advertising area 64, refer to advertising area 44. FIG.

The deposit/withdrawal history display area 65 is an area in which information regarding deposits or withdrawals is displayed. The deposit/withdrawal history display area 65 includes deposit information 650 and 654 and withdrawal information 651 , 652 and 653 . Refer to the deposit information 450 for the deposit information 650 . The deposit information 654 is information including the date and time of deposit by the user and the amount of deposit. For example, the deposit information 654 is information indicating that "3,500 yen" was deposited at "15:11 on February 3, 2022".

Refer to the payment information 451 for the payment information 651 . The withdrawal information 651 includes a wallet mark 651a. The withdrawal information 652 includes the date and time of withdrawal by the user, transaction content information, withdrawal amount, wallet mark 652a and deferred payment mark 652b. For example, the withdrawal information 652 indicates that "2,500 yen" was withdrawn at "10:52 on January 3, 2022" at "forward bookstore" by using the wallet balance and deferred payment. This information indicates that The withdrawal information 653 includes the date and time when the user withdrew money, transaction content information, the withdrawal amount, and a deferred payment mark 653b. For example, the withdrawal information 653 indicates that "3,000 yen" was withdrawn at "February 2, 2022, 11:30" by using postpay on "pay stationery". Information. Here, the wallet marks 651a and 652a are information for indicating that payment has been made with the wallet balance. The deferred payment marks 652b and 653b are information for indicating that payment was made in deferred payment.

From a certain point of view, the control unit 21 causes the output unit 35 to display the wallet mark 651a together with the transaction information when the wallet balance is used in the transaction. In addition, when the deferred payment is used in the transaction, the control unit 21 causes the output unit 35 to display the deferred payment mark 653b together with the transaction information. The control unit 21 causes the output unit 35 to display both the wallet mark 652a and the deferred payment mark 652b together with the transaction information when both the wallet and deferred payment are used in the transaction. Here, the wallet marks 651a and 652a are examples of notations corresponding to wallets. Deferred payment marks 652b and 653b are examples of notation corresponding to deferred payment. In addition, the transaction information includes at least one of the date and time when the user withdraws money, transaction content information, and the amount of money withdrawn. This allows the user to identify whether the payment was made using the wallet balance or using the deferred payment.

As described above, according to the present disclosure, it is possible to provide a technology capable of providing a more convenient service by combining a plurality of payment methods. In addition, by defining the first virtual balance b1 and the second virtual balance b2, while the wallet balance and the amount of postpayment are related to each other, the withdrawal of the deferred payment amount determined before withdrawal can be executed without problems. It becomes possible to

[Modification]
Next, a modification of this embodiment will be described with reference to FIG. FIG. 10 is a diagram showing an example of the available amount display area 70 of the modified example. The available amount display area 70 in FIG. 10 is an area where information regarding the available amount is displayed. The available amount display area 70 may be displayed against a background of any information in the form of a modal window. The available amount display area 70 includes available amount information 700 , postpaid usage limit information 701 , wallet balance information 702 , and postpaid usage amount information 703 . The available amount information 700, the postpayment usage limit information 701, the wallet balance information 702, and the postpayment usage amount information 703 are the available amount information 600, the postpayment usage limit information 601, and the wallet balance information 602. , and the postpaid usage amount information 603 .

The control unit 21 displays the available amount information 700 on the output unit 35 as a display unit. Here, the available amount information 700 is an example of information regarding the first virtual balance b1. This makes it easier for the user to recognize the amount that the user can use based on the postpaid usage amount, the wallet balance, and the postpaid usage limit.

Further, the control unit 21 causes the output unit 35 as a display unit to display the postpayment usage limit information 701, the wallet balance information 702, and the postpayment usage amount information 703 in a listable state. This makes it easier for the user to recognize the wallet balance, the postpayment usage amount, and the postpayment usage limit, thereby improving the convenience of the service.

In this embodiment, the control unit 21 causes the output unit 35 as a display unit to display information regarding the first virtual balance b1, and the available amount information 700 is an example of information regarding the first virtual balance b1. described as being. In a modified example, the control unit 21 may display the first virtual balance b1 itself on the output unit 35 as a display unit.

Further, in the present embodiment, the timing at which the undetermined postpaid usage amount becomes the fixed postpaid usage amount before withdrawal is described as the timing of the change of the month. good too. For example, the predetermined timing may be set to an arbitrary date such as the 15th, may be set at an arbitrary interval such as once every three months, or may be set by recognizing Saturdays, Sundays, and holidays and weekdays. may

Further, in the present embodiment, the specific timing at which the fixed deferred payment amount before withdrawal is withdrawn from the preset withdrawal account has been described as being the 20th of each month. It can be timing.

In addition, in the present embodiment, when the wallet balance is used, it is explained that a symbol is displayed as a notation corresponding to the wallet payment. good. The same applies to notations corresponding to postpayment.

Also, "pressing a button" in the present embodiment is an example of "manipulating an object", and may be any aspect as long as it can accept an instruction from a user.

[others]
Regarding the information processing system 1 according to the above-described embodiment, it may be a program that causes a computer to function as the control unit 31 of the information processing system 1 . Alternatively, it may be an information processing method executed by the information processing system 1 .

Furthermore, it may be provided in each aspect described below.

(1) An information processing system having a control unit, the control unit based on a wallet balance, which is the amount of money deposited in advance by charging, and a deferred payment usage amount, which is an amount to be paid in arrears 1. An information processing system for acquiring a first virtual balance, which is a virtually set balance, and displaying information on the first virtual balance.

According to such a configuration, since a plurality of payment methods are combined, a more convenient service can be provided. Moreover, according to such a configuration, the first virtual balance is set, so that the user can easily recognize the amount of money that the user can use.

(2) In the information processing system described in (1) above, the first virtual balance is the amount obtained by subtracting the fixed deferred payment amount before withdrawal and the undetermined deferred payment amount from the wallet balance. and the control unit consumes all of the wallet balance and pays the shortfall payment in arrears when the amount exceeding the wallet balance is paid, and the first virtual balance is an information processing system that obtains a first virtual balance after payment by subtracting the amount of the wallet balance that has been consumed and the amount that will be paid in arrears.

According to such a configuration, even if the balance of the wallet is insufficient due to the payment of the amount exceeding the balance of the wallet, it can be covered by postpayment. Further, according to such a configuration, the first virtual balance is set based on the wallet balance and the postpaid usage amount, so the user can easily recognize the amount of money that the user can use.

(3) In the information processing system described in (1) or (2) above, the information related to the first virtual balance is an amount obtained by adding the wallet balance to the deferred payment usage limit. The information processing system, wherein the amount obtained by subtracting the usage amount and the undetermined postpaid usage amount, wherein the postpaid usage limit is an amount set for the user as a postpaid usage limit.

According to such a configuration, the user can recognize the amount that the user can use based on the deferred payment usage limit, the wallet balance, the fixed deferred payment usage amount before withdrawal, and the undetermined deferred payment usage amount. easier to do.

(4) In the information processing system described in (3) above, the control unit adds an amount obtained by adding the wallet balance, the fixed deferred payment amount before withdrawal, and the undetermined deferred payment amount, An information processing system that displays the postpaid usage limit in a listable state.

According to such a configuration, the user can easily recognize the sum of the wallet balance, the fixed deferred payment amount before withdrawal and the undetermined deferred payment amount, and the deferred payment usage limit. convenience is improved.

(5) In the information processing system according to any one of (1) to (4) above, the control unit manages a second virtual balance, wherein the second virtual balance is , an information processing system that defines a fixed deferred payment amount prior to debit.

According to such a configuration, since the second virtual balance is managed, it is possible to manage the fixed deferred payment amount before withdrawal.

(6) In the information processing system described in (5) above, when the wallet balance is charged while there is an undetermined deferred payment amount, the control unit offsets the deferred payment amount. system.

According to such a configuration, by defining the second virtual balance, it is possible to distinguish between the determined deferred payment usage amount and the undetermined deferred payment usage amount and make payment. Moreover, according to such a configuration, the postpaid usage amount that has not been determined can be offset.

(7) In the information processing system described in (6) above, the control unit controls, when the second virtual balance exceeds a predetermined threshold due to deferred payment, or when the undetermined deferred payment usage amount exceeds the An information processing system that issues a deferred payment statement when offset by a charge to a wallet balance, wherein the deferred payment statement is a statement relating to a deferred payment.

According to such a configuration, it is possible to issue a deferred payment statement indicating that deferred payment has occurred or has been offset.

(8) In the information processing system according to any one of (1) to (7) above, when the wallet balance is used in a transaction, the control unit changes notation corresponding to wallet payment to the transaction. display together with the information, when the deferred payment is used in the transaction, display the notation corresponding to the deferred payment together with the transaction information, and when both the wallet balance and the deferred payment are used in the transaction, the An information processing system that displays both the wallet balance and the deferred payment along with transaction information.

According to such a configuration, it is possible for the user to recognize which payment method has been used for payment.

(9) An information processing system, comprising a control unit, wherein the control unit displays an available amount, and the available amount is based on a postpaid usage limit set for a user. The information processing system, which is the amount obtained by subtracting the fixed postpaid usage amount before withdrawal and the unfixed postpaid usage amount from the amount shown plus the wallet balance, which is the amount deposited in advance by charging. .

(10) A program for causing a computer to function as the control section of the information processing system according to any one of (1) to (9) above.

(11) An information processing method executed by an information processing system, comprising each process executed by the control unit of the information processing system according to any one of (1) to (9) above. .
Of course, this is not the only case.

Finally, while various embodiments of the invention have been described, these have been presented by way of example and are not intended to limit the scope of the invention. The novel embodiment can be embodied in various other forms, and various omissions, replacements, and modifications can be made without departing from the scope of the invention. The embodiment and its modifications are included in the scope and gist of the invention, and are included in the scope of the invention described in the claims and its equivalents.

1: information processing system 2: server device 21: control unit 22: storage unit 23: communication unit 3: client device 31: control unit 32: storage unit 33: communication unit 34: input unit 35: output unit 4: function providing screen 41 : wallet balance display area 410 : wallet balance information 411 : point balance information 43 : payment application area 430 : use application button 44 : advertisement area 45 : deposit/withdrawal history display area 450 : deposit information 451 : withdrawal information 451a : wallet mark 5: Payment usage application screen 50: Desired usage limit input area 51: Withdrawal account selection area 52: Details application button 6: Function providing screen 60: Available amount display area 600: Available amount information 601: Payment usage limit information 602: Wallet balance information 603 : Payment amount information 61 : Wallet balance display area 610 : Wallet balance information 611 : Point balance information 62 : Payment amount display area 620 : Payment information 621 : Payment information 64 : Advertising area 65 : Deposit/withdrawal history display Area 650: Deposit information 651: Withdrawal information 651a: Wallet mark 652: Withdrawal information 652a: Wallet mark 652b: Payment mark 653: Withdrawal information 653b: Payment mark 654: Deposit information 70: Available amount display area 700: Use Available amount information 701: Payment limit information 702: Wallet balance information 703: Payment amount information N: Network S1: First state S2: Second state S3: Third state b1: First virtual balance b2: Second virtual balance

Claims (9)

An information processing system,
having a control unit,
The control unit
The first definition process and the second definition process can be repeatedly executed, where:
The first definition process is a process of defining the deferred payment usage amount from the occurrence of deferred payment settlement to the first first timing as an undetermined deferred payment usage amount,
The second definition process is a process of defining the undetermined postpaid usage amount as a determined postpaid usage amount before withdrawal,
In the second definition process, after the first timing has passed and the first second timing after the first timing has passed, the deferred payment usage amount is determined before the withdrawal. It is a process defined as a payment usage amount,
Acquiring the available amount and displaying the available amount, where:
The available amount is the amount obtained by adding the balance of the wallet, which is the amount that has been charged in advance, to the amount that indicates the usage limit for postpayment set for the user, and the fixed postpayment usage amount before the withdrawal. and the undetermined postpaid usage amount, and the undetermined postpaid usage amount is the amount at the time of acquiring the available amount.
Information processing system. In the information processing system according to claim 1,
The control unit
When payment of an amount exceeding the wallet balance is made, the wallet balance is completely consumed and the shortfall payment is paid in arrears,
Obtaining the available amount after payment by subtracting the consumed amount of the wallet balance and the amount to be paid in arrears from the available amount ;
Information processing system. In the information processing system according to claim 1 ,
The control unit
displaying the balance of the wallet, the amount obtained by adding the fixed postpayment usage amount before the withdrawal and the unfixed postpayment usage amount, and the postpayment usage limit in a listable state;
Information processing system. In the information processing system according to claim 1,
The control unit
Manage the second amount information ,
Here, the second amount information defines, at a predetermined timing, the fixed deferred payment usage amount prior to withdrawal.
Information processing system. In the information processing system according to claim 1 ,
The control unit
If the wallet balance is charged while there is an undetermined deferred payment amount, the deferred payment amount is offset;
Information processing system. In the information processing system according to claim 4 ,
The control unit
when the second amount information exceeds a predetermined threshold due to the deferred payment, or when the undetermined deferred payment usage amount is offset by charging the wallet balance, issuing deferred payment details;
Here, the deferred payment details are details related to deferred payment,
Information processing system. In the information processing system according to claim 1,
The control unit
In a transaction, when the wallet balance is used, a notation corresponding to the wallet payment is displayed together with the transaction information,
In a transaction, when the deferred payment is used, display the notation corresponding to the deferred payment together with the transaction information,
displaying both the wallet balance and the deferred payment together with the transaction information when both the wallet balance and the deferred payment are used in the transaction;
Information processing system. a program,
A program for causing a computer to function as the control unit of the information processing system according to any one of claims 1 to 7 . An information processing method executed by an information processing system,
Each process executed by the control unit of the information processing system according to any one of claims 1 to 7 ,
Information processing methods.

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