JP7287934B2 - Information processing device, information processing method, and program - Google Patents

Description

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

An invention of a system is disclosed in which a third party advances the payment of the cost of goods or services before the user receives insurance money or benefits, and the user pays the cost in arrears. For example, in Patent Document 1, when the policyholder receives medical or nursing care services before receiving insurance money or benefits, an external reimbursement institution pays for the service cost through the policyholder's IC card. It is disclosed to be replaced.

JP-A-2002-56096

However, the technology described in Patent Literature 1 is based on the premise that a special agreement regarding replacement payment is concluded between the policyholder and the insurance company in advance, prior to replacement payment. As a result, policyholders will be burdened with procedures, and in particular, users who conclude multiple insurance contracts will be required to conclude riders each time, so it is assumed that the burden will be even greater. . As described above, the conventional technology may not provide sufficient convenience for the user.

SUMMARY OF THE INVENTION The present invention has been made in consideration of such circumstances, and one of the objects thereof is to provide an information processing apparatus, an information processing method, and a program that can improve convenience for users.

An information processing apparatus, which is one aspect of the present invention, includes a claim information acquisition unit that acquires claim information including an expected acquisition amount for a claim for insurance claims or benefits made by a user; a second money amount frame setting unit for setting a second money amount frame separately from the first money amount frame set in advance in the electronic payment service when the user uses the electronic payment service before. be.

According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can improve convenience for users.

1 is a block diagram showing an example of the overall configuration of a system 1 using an information processing device according to an embodiment of the present invention; FIG. 1 is a diagram showing a first scene in which electronic payment is performed; FIG. FIG. 10 is a diagram showing a second scene in which electronic payment is executed; 5 is a diagram showing an exemplary configuration of a user insurance information table 53A stored in a storage unit 53; FIG. 5 is a diagram showing an exemplary configuration of an examination passing rate table 53B stored in a storage unit 53; FIG. 2 is a diagram showing an example of contents of a user payment information table 200A stored in a storage unit 200 and changes thereof. FIG. 3 is a diagram showing an outline of processing realized by cooperation of the terminal device 10, the insurance server 50, and the electronic payment server 100; FIG. 4 is a sequence diagram showing an example of the flow of processing performed by the terminal device 10, the insurance server 50, and the electronic payment server 100 according to the embodiment; FIG. 10 is a sequence diagram showing an example of the flow of processing performed by the terminal device 10, the insurance server 50, and the electronic payment server 100 according to Modification 1. FIG. 3 is a diagram showing an exemplary configuration of an area deferred payment table 200B stored in a storage unit 200; FIG.

<Embodiment>
Hereinafter, an information processing apparatus, an information processing method, and a program according to embodiments of the present invention will be described with reference to the drawings.

[System configuration]
FIG. 1 is a block diagram showing an example of the overall configuration of a system 1 using an information processing apparatus according to an embodiment of the invention. The system 1 includes an insurance server 50 and an electronic payment server 100, for example. The insurance server 50 and the electronic payment server 100 communicate with the terminal device 10 via the network NW. The network NW includes the Internet, a LAN (Local Area Network), a WAN (Wide Area Network), a cellular network, and the like. Electronic payment server 100 includes an information processing device.

The terminal device 10 is, for example, a portable computer device having a communication function such as a smart phone or a tablet terminal. The terminal device 10 is running an electronic payment application that electronically enables the purchase of goods or services. In this embodiment, the electronic payment application is assumed to be a payment application using a QR code, but alternatively, a medium for payment using a credit card or electronic money may be used.

The terminal device 10 includes a communication unit 11, an input/output unit 12, and a control unit 13, for example. The communication unit 11 includes a communication interface such as a wireless communication device. The input/output unit 12 is, for example, a touch panel in which a display and a contact sensor are integrated. The control unit 13 is implemented by a processor such as a CPU (Central Processing Unit) executing an electronic payment application.

The communication unit 11 transmits to the insurance server 50 billing information for insurance claims or benefits billed by a user's operation on a browser or the like. Claim information for insurance money or benefits may be transmitted to the insurance server 50 from a device other than the terminal device 10, or may be communicated to the insurance server 50 by telephone. The communication unit 11 also transmits and receives information necessary for the operation of the electronic payment application to and from the electronic payment server 100 . The input/output unit 12 displays an interface screen for the user to confirm or instruct the operation of the electronic payment application. The control unit 13 executes various processes described below based on information obtained from the electronic payment server 100 via the communication unit 11 and information instructed by the user via the input/output unit 12 .

[Electronic payment service]
Here, an overview of the mechanism of the electronic payment service will be described with reference to FIGS. 2 and 3. FIG. FIG. 2 is a diagram showing a first scene in which electronic payment is performed. As shown in FIG. 2, the input/output unit 12 of the terminal device 10 has a QR code (registered trademark) read by a camera (not shown) of the terminal device 10, a charge balance, a bonus balance, a deferred payment frame, Radio buttons are displayed.

A QR code is a two-dimensional code in which information such as a payment destination for goods or services is encoded when the goods or services are purchased. In FIG. 2, a camera (not shown) of the terminal device 10 reads the QR code installed at the storefront, and the electronic payment application decodes the QR code and recognizes the payee. When the electronic payment application recognizes the payment destination, the user designates the payment amount and payment method through the input/output unit 12 of the terminal device 10 . The payment method includes, for example, a charge balance (default), a bonus balance, and a deferred payment limit. When the user selects one of the payment methods and presses the payment button, the payment is completed. After that, the electronic payment application may withdraw the payment amount from each of the charge balance, the bonus balance, or the deferred payment frame, and display the value after the withdrawal on the input/output unit 12 .

The charge balance is the balance amount that the user has deposited into the electronic payment service through cash, bank, credit card, or other remittance means. Since the charge balance is set as a default payment item, withdrawal is preferentially executed when a product or service is purchased unless the radio button corresponding to the bonus balance or the deferred payment frame is selected.

The bonus balance is the balance amount of benefits given according to the user's usage amount of the electronic payment service. For example, when the user purchases goods or services and the payment amount is withdrawn from the charge balance, 3% of the payment amount is given as a bonus. The given bonus will be preferentially withdrawn by checking the adjacent radio button when purchasing goods or services from the next time onwards. For example, in the setting of FIG. 2, when paying 1000 yen, 600 points corresponding to 600 yen are first deducted from the bonus balance, and then 400 yen is debited from the charge balance.

A deferred payment limit is an amount of money that a user can use to purchase goods or services without pre-paying an electronic payment service. The used amount is settled by, for example, being withdrawn from the charge balance on a predetermined day in the following month. Hereinafter, settlement in this manner will be referred to as "deferred payment". In other words, deferred payment allows users to purchase goods or services without holding cash in the current month and defer the actual payment to the next month. The deferred payment limit is an amount obtained by subtracting the used amount from the deferred payment limit, which indicates the upper limit of the monthly deferred payment permitted. In the present embodiment, the electronic payment service is to be settled on a monthly basis, but the unit period for settlement is not limited to a month. If the user desires deferred payment, the user checks the radio button adjacent to the deferred payment frame, thereby proceeding with deferred payment processing.

Note that deferred payment may be used in combination with withdrawal from the charge balance or bonus balance. For example, in the settings of FIG. 600 yen will be debited from the bonus balance first, and the remaining 400 yen will be deferred payment. Also, when using a medium for settlement using a credit card or electronic money, the use of deferred payment may be specified via a notification sent to a pre-registered smartphone or the like.

The deferred payment frame is calculated based on the user payment information table 200A stored in the storage unit 200 of the electronic payment server 100. FIG. Specifically, the available postpayment limit is calculated by subtracting the postpayment usage amount from the added value of the postpayment setting limit set for each user and the special postpayment limit. The electronic payment server 100 transmits the calculated deferred payment frame to the terminal device 10, and the input/output unit 12 of the terminal device 10 displays it. Details of the user payment information table 200A will be described later with reference to FIG.

The original information of the charge balance, bonus balance, and deferred payment limit is stored in the storage unit 200 of the electronic payment server 100 . The electronic payment application acquires these pieces of information via the communication unit 11 of the terminal device 10, but part or all of the above information may be held at least temporarily by the electronic payment application.

FIG. 3 is a diagram showing a second scene in which electronic payment is performed. In FIG. 3, the payment amount, charge balance, bonus balance, and deferred payment limit are the same as in FIG. On the other hand, regarding the QR code, in the case of FIG. 2, the camera of the terminal device 10 reads the QR code installed at the storefront, whereas in the case of FIG. A QR code is displayed, and a QR code reader installed at the shop reads the QR code to execute settlement.

[Insurance server]
The insurance server 50 is a device that receives claim information for insurance claims or benefits claimed by the user from the terminal device 10 and processes subsequent examination and payment procedures. The insurance server 50 includes, for example, a communication unit 51, a control unit 52, and a storage unit 53. The communication unit 51 includes, for example, a communication interface such as a NIC, and communicates with the terminal device 10 and the electronic payment server 100 .

The control unit 52 is mainly composed of a processor such as a CPU. The control unit 52 uses the communication unit 51 to receive from the terminal device 10 billing information for insurance claims or benefits billed by the user, and stores the received billing information in the storage unit 53. At the same time, the electronic payment server 100 Send to Further, the control unit 52 uses the communication unit 51 to provide the electronic payment server 100 with the information of the user insurance information table 53A and the examination pass rate table 53B stored in the storage unit 53 as necessary. The storage unit 53 is implemented by a storage device such as an HDD, flash memory, or RAM (Random Access Memory).

FIG. 4 is a diagram showing an exemplary configuration of a user insurance information table 53A stored in the storage section 53. As shown in FIG. As shown in FIG. 4, the user insurance information table 53A associates user ID with information such as insurance type, billing date, billing amount, examination status, and payment status.

A user ID is identification information for identifying a user who has claimed insurance money or benefits. The user ID functions as the primary key of the user insurance information table 53A. The insurance type is information indicating the type of insurance or benefit claimed by the user. Any type of insurance such as life insurance, casualty insurance, and medical insurance may be set as the insurance type. The insurance type is an example of "content information". The billing date is the date on which the user billed for insurance or benefits through the terminal device 10 . The claim amount is the amount of insurance or benefits claimed by the user. The examination status is the examination status of the claim by the user. As the review status, one of "under review", "approved", and "not approved" is set. When the insurance server 50 receives claim information from the terminal device 10 and stores it in the user insurance information table 53A, "under examination" is set as an initial value. The payment status is the status of payment of insurance claims or benefits to the user. Either "unpaid" or "paid" is set as the payment status. When the insurance server 50 receives the billing information from the terminal device 10 and stores it in the user insurance information table 53A, "unpaid" is set as an initial value.

FIG. 5 is a diagram showing an exemplary configuration of an examination pass rate table 53B stored in the storage unit 53. As shown in FIG. As shown in FIG. 5, the examination pass rate table 53B is a table in which insurance types and examination pass rates are associated with each other.

The insurance type is information indicating the type of insurance or benefit claimed by the user, and is the same item as the insurance type shown in FIG. The examination pass rate is a value obtained by calculating the number of records with an examination status of "approved" with respect to the number of records with an examination status of "approved" or "not approved" for each insurance type, based on the user insurance information table 53A. . Each time the examination status of each record in the user insurance information table 53A is updated from "under examination" to "approved" or "not approved", the control unit 52 recalculates the examination pass rate for the insurance type of the record. and updates the examination pass rate in the examination pass rate table 53B.

[Electronic payment server]
The electronic payment server 100 is a device that cooperates with the electronic payment application of the terminal device 10 to enable electronic payment for the purchase of goods or services by the user. The electronic settlement server 100 further receives billing information for insurance claims or benefits billed by the user from the insurance server 50, and sets a special deferred payment frame based on the billing information. The electronic payment server 100 includes, for example, a communication unit 110, a charge balance/bonus balance setting unit 120, a payment processing unit 130, a deferred payment processing unit 140, a first amount frame setting unit 150, and a billing information acquisition unit 160. , a credit information acquisition unit 170 , an examination pass rate acquisition unit 180 , a second monetary amount setting unit 190 , and a storage unit 200 . A component that includes at least the billing information acquisition unit 160, the credit information acquisition unit 170, the screening pass rate acquisition unit 180, and the second monetary amount setting unit 190 is an example of an "information processing device."

A charge balance/bonus balance setting unit 120, a payment processing unit 130, a deferred payment processing unit 140, a first monetary amount setting unit 150, a billing information acquisition unit 160, a credit information acquisition unit 170, and an examination passing rate acquisition unit Each of 180 and the second monetary amount setting unit 190 is implemented by a hardware processor such as a CPU (Central Processing Unit) executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed by loading the storage medium into a drive device.

The communication unit 110 includes, for example, a communication interface such as NIC. The communication unit 110 receives from the terminal device 10 information necessary for the operation of the electronic payment service, and also receives from the insurance server 50 claim information for insurance claims or benefits claimed by the user.

The charge balance/bonus balance setting unit 120 adds the payment amount to the charge balance of the user payment information table 200A in accordance with the user's payment to the electronic payment service. Further, the charge balance/bonus balance setting unit 120 adds a bonus corresponding to the payment amount to the bonus balance of the user payment information table 200A when the user purchases goods or services using the charge balance.

FIG. 6 is a diagram showing an example of the contents of the user payment information table 200A stored in the storage unit 200 and changes thereof. As shown in FIG. 6, the user payment information table 200A contains information such as charge balance, bonus balance, credit score, deferred payment setting, deferred payment setting frame, special deferred payment frame, deferred payment limit, deferred payment usage amount, etc. for a user ID. It is associated. The deferred payment setting frame is an example of a "first amount frame", and the special deferred payment frame is an example of a "second amount frame".

A user ID is identification information for identifying a user of the electronic payment service. The user ID functions as the primary key of the user payment information table 200A. The charge balance is the balance amount that the user has deposited into the electronic payment service through cash, bank, credit card, or other remittance means, similar to those shown in FIGS. The bonus balance is the balance amount of benefits given according to the user's usage amount of the electronic payment service. A credit score is information indicating the credit ability of each user. The credit score may be provided by an external credit institution such as the insurance server 50, or the electronic payment server 100 uses the credit data provided by the external credit institution as correct data, and uses it for shopping, auction, search, etc. It may be estimated by using a credibility estimator learned by machine learning as learned data from action history such as queries. Deferred payment setting is flag information indicating whether or not use of deferred payment is permitted for each user. The deferred payment setting may be set through an electronic payment application according to each user's desire, or may be set automatically or according to a user's operation for users whose credit score is equal to or higher than a certain threshold. In the example of FIG. 6, deferred payment is automatically permitted and set for users with a credit score of 50 or higher. The deferred payment setting frame is a set amount of deferred payment that each user can use for each predetermined period (for example, one month). A special postpaid allowance is an additional and possibly temporary postpaid set amount that is authorized to be used in response to a claim or benefit claim by a user. The deferred payment limit is the sum of the deferred payment setting limit and the special deferred payment limit. That is, the deferred payment limit means the maximum amount of deferred payment that the user can use in a predetermined period. The postpaid usage amount is the total postpaid amount used by each user during a predetermined period. The hatched portion in the lower diagram of FIG. 6 is the portion that has changed from the upper diagram as a result of the new setting of the special deferred payment frame. This will be discussed later.

When a user purchases goods or services using an electronic payment application, the payment processing unit 130 cooperates with the electronic payment application to perform various processes necessary for executing payment. For example, specifically, when the user purchases goods or services using the charge balance or bonus balance, the payment processing unit 130 subtracts the payment amount from the charge balance or bonus balance of the user payment information table 200A. do.

The deferred payment processing unit 140 cooperates with the electronic payment application to perform various processes necessary for deferred payment when the user uses the electronic payment application to purchase goods or services by deferred payment. For example, specifically, when the user selects deferred payment and executes settlement, the deferred payment processing unit 140 adds the deferred payment amount to the deferred payment usage amount, and at the same time subtracts the deferred payment usage amount after the addition from the deferred payment limit. Thus, the user's deferred payment frame is obtained. Also, for example, the postpaid processing unit 140 subtracts the postpaid usage amount from the charge balance and resets the postpaid usage amount to 0 for each predetermined period (for example, one month).

The first amount frame setting unit 150 sets the deferred payment setting frame for the user whose deferred payment setting is “Y”, which means that the deferred payment setting has a positive meaning. As shown in FIG. 6, the deferred payment setting frame is set to a higher amount as the credit score is higher, but alternatively, for example, the same amount may be set for users whose credit scores are equal to or higher than the threshold. . Further, the first amount frame setting unit 150 may set the deferred payment setting frame to zero for a user whose deferred payment setting is set to “N” representing a negative meaning.

The billing information obtaining unit 160 obtains billing information of insurance claims or benefits billed by the user from the insurance server 50 . The billing information desirably includes at least information that allows the billing amount to be recognized, and may include other information such as desired billing date.

The credit information acquisition unit 170 acquires the credit score of each user. For example, the credit information acquisition unit 170 acquires a credit score for each user from an external credit institution such as the insurance server 50 . In addition, the credit information acquisition unit 170 uses the credit data provided by the external credit institution as correct data, and the behavior history such as shopping, auction, and search query as learning data. , may estimate the credit score.

The examination pass rate acquisition unit 180 acquires an examination pass rate for claims for insurance or benefits for each user. For example, the examination pass rate acquisition unit 180 acquires a table containing the examination pass rate for each insurance type from the insurance server 50 in advance, and obtains the examination pass rate corresponding to the insurance type included in the user's claim information in the table. , is obtained as the screening pass rate of the user. Alternatively, the examination pass rate acquisition unit 180 may estimate the examination pass rate based on the action history of the user himself/herself.

The second amount frame setting unit 190 sets a special deferred payment according to the user's request for insurance or benefits. When the claim information acquisition unit 160 acquires claim information for insurance or benefits, the second amount frame setting unit 190 always sets the deferred payment setting to “Y” for the user, and Set the amount in the special deferred payment frame. As a result, the postpaid limit is increased by the special postpaid limit. Referring to FIG. 6, user A's deferred payment limit is increased from 30,000 yen to 78,000 yen, and user B's deferred payment limit is increased from 50,000 yen to 62,000 yen. This is because, as shown in FIG. 4, user A requested 48,000 yen as smartphone failure insurance, and user B requested 12,000 yen as accommodation cancellation insurance, and a special deferred payment frame was set. As a result, the user can use the deferred payment amount corresponding to the insurance money or benefits to purchase goods or services without requiring complicated procedures in advance.

In FIG. 6, the credit score is low and the deferred payment setting of user C, which was set to "N", is also changed to "Y", and the special deferred payment frame is set to 70000 yen. This is because even user C, whose credit score is usually low, can be judged to have increased credit ability because of the collateral of insurance money or benefits. In FIG. 6, even for user C with a low credit score, the full amount of the billed amount is set as a special deferred payment frame. You may Thus, based on the user's billing information and credit information, the use of deferred payment can be permitted flexibly and with high safety even to a user who normally has low credit ability and cannot be permitted to use deferred payment.

Furthermore, in FIG. 6, the second amount frame setting unit 190 sets the billing amount of each user as it is as the special deferred payment frame. However, alternatively, the second monetary amount setting unit 190 may set a special deferred payment frame according to the examination pass rate acquired by the examination pass rate acquisition unit 180 . For example, in the examination pass rate table 53B of FIG. 5, the examination pass rate of smartphone failure insurance is calculated as 88%. Therefore, the second amount frame setting unit 190 may set the special deferred payment frame for user A as 48000×0, 88=42240 yen. As a result, it is possible to permit the use of deferred payment with a higher degree of safety by lowering the set amount of the special deferred payment frame for claims for insurance claims or benefits with a low screening pass rate.

FIG. 7 is a diagram showing an outline of processing realized by cooperation of the terminal device 10, the insurance server 50, and the electronic payment server 100. As shown in FIG. First, the user inputs claim information for insurance money or benefits via the input/output unit 12 of the terminal device 10 , and transmits the claim information to the insurance server 50 using the communication unit 11 . When the insurance server 50 receives the claim information via the communication unit 51, the insurance server 50 stores the claim information in the user insurance information table 53A and at the same time transmits it to the electronic payment server 100. FIG. When the electronic payment server 100 receives the billing information via the communication unit 110, it sets the deferred payment setting to "Y" for the user ID corresponding to the billing information in the user payment information table 200A, and sets the special deferred payment. A limit is set for the billing amount included in the billing information, and as a result, the deferred payment limit is increased. The electronic settlement server 100 obtains the user's available deferred payment limit by subtracting the deferred payment usage amount from the deferred payment limit, and notifies the terminal device 10 of the determined deferred payment limit.

Next, details of the processing described with reference to FIG. 7 will be described. FIG. 8 is a sequence diagram showing an example of the processing flow of this embodiment performed by the terminal device 10, the insurance server 50, and the electronic payment server 100. As shown in FIG. First, the terminal device 10 transmits to the insurance server 50 claim information for insurance or benefits input by the user (S1). Next, when the insurance server 50 receives the billing information, it stores the billing information in the user insurance information table 53A and at the same time transmits the billing information to the electronic payment server 100 (S2). When the electronic settlement server 100 receives the billing information, it sets the deferred payment setting to "Y" for the user ID corresponding to the billing information in the user billing information table 200A, and includes the special deferred payment frame in the billing information. The billing amount is set (S3). As a result, the deferred payment limit is increased.

Next, the electronic settlement server 100 obtains the user's available deferred payment limit by subtracting the deferred payment usage amount from the deferred payment limit, and notifies the determined deferred payment limit to the terminal device 10 (S4). When the terminal device 10 receives the deferred payment frame from the electronic payment server 100, the terminal device 10 updates the deferred payment frame of the electronic payment application, and the user makes a payment using deferred payment for purchasing goods or services (S5).

Next, the terminal device 10 notifies the electronic payment server 100 of the deferred payment amount (S6). When the electronic payment server 100 receives the deferred payment amount, it increases the deferred payment usage amount for the user ID corresponding to the billing information in the user payment information table 200A by the payment amount (S7).

Next, the electronic settlement server 100 notifies the terminal device 10 of the available deferred payment limit obtained by subtracting the deferred payment usage amount from the deferred payment limit limit (S8). After that, the user uses the terminal device 10 to charge the electronic payment service with an amount equivalent to the postpaid usage amount of the current month by a predetermined date of the next month, and the deferred payment usage amount is subtracted from the charge balance on the predetermined date. , settle the deferred payment (S9).

With the above processing, the user can use the amount corresponding to the insurance money or benefits to purchase goods or services using deferred payment without requiring complicated procedures in advance. Thus, according to this embodiment, the convenience for the user can be improved.

In the present embodiment, the postpaid settlement is executed by the user charging the electronic payment service with the postpaid usage amount by a predetermined date, and the electronic payment service withdrawing the usage amount on the predetermined date. Alternatively, however, postpaid clearing may be performed between the electronic payment service and the insurance company. For example, in FIG. 4, the examination status of user B who requested 12000 yen is approved. Therefore, if User B's deferred payment usage amount is 12,000 yen or less, the electronic payment service receives from the insurance company an amount equivalent to User B's deferred payment usage amount, and the insurance company receives the balance ("12,000 yen - deferred payment usage amount”) may be paid to the user B. On the other hand, if User B's postpaid usage amount exceeds 12,000 yen, the electronic payment service may receive the full amount billed by User B from the insurance company. In this case, the user charges the electronic payment service with an amount equivalent to "amount of deferred payment - 12,000 yen" to complete the settlement.

<Modification 1>
Next, an electronic payment server 100 according to Modification 1 of the present invention will be described. The electronic settlement server 100 according to Modification 1 not only sets a special deferred payment frame according to claims for insurance or benefits, but also limits the use of deferred payment to specific areas. As a result, it is possible to promote deferred payment of goods or services that are highly relevant to the insurance money or benefit claimed by the user, and reduce the risk of wasteful spending by the user and unauthorized use by a third party.

FIG. 9 is a sequence diagram showing an example of the flow of processing according to the present modification performed by the terminal device 10, the insurance server 50, and the electronic payment server 100 according to the first modification. Since S11 and S12 correspond to S1 and S2 in FIG. 8, description thereof is omitted. When the electronic settlement server 100 receives claim information for insurance claims or benefits, the electronic settlement server 100 selects a deferred payment permitted area where use of deferred payment is permitted and a set amount of deferred payment that the user can use in the deferred payment permitted area based on the claim information. The indicated area special postpay frame is set in the area postpay table 200B stored in the storage unit 200 (S13).

FIG. 10 is a diagram showing an exemplary configuration of an area deferred payment table 200B stored in storage unit 200. As shown in FIG. The area postpayment table 200B stores an area postpayment ID, a user ID, a postpayment permitted area, an area special postpayment frame, an area postpayment usage amount, and an area postpayment bonus. The area postpaid ID is identification information for identifying an area postpaid frame generated in response to receipt of billing information. Since the area postpaid frame corresponds to the billing information rather than the user, when one user transmits a plurality of types of billing information, a plurality of area postpaid frames are set for the user. The area deferred payment ID functions as the primary key of the user payment information table 200A. The user ID is identification information for identifying the user who has claimed the insurance money or benefits, as in FIGS. 4 and 6 . The deferred payment permitted area is an area where deferred payment is permitted. For the sake of convenience, in FIG. 10, the deferred payment permitted area is specified as a store name, but it is not limited to this, and arbitrary position information such as GPS information may be used. The area special deferred payment frame is a set amount of deferred payment available to each user in the deferred payment permitted area. The area deferred payment usage amount is the total deferred payment amount used by each user in the deferred payment permitted area. The area deferred payment bonus is the balance amount of benefits granted in response to the user using deferred payment in the deferred payment permitted area. The granted area deferred payment bonus can be used to purchase goods or services in the same manner as the bonus balance in the user payment information table 200A of FIG. By setting the area deferred payment bonus, it is possible to give the user an incentive to use deferred payment in the area.

The electronic settlement server 100 notifies the terminal device 10 of the set deferred payment permitted area and area special deferred payment frame (S14). When the terminal device 10 receives the deferred payment permitted area and the area special postpaid frame and then the user enters the deferred payment permitted area, the terminal device 10 detects this fact based on GPS information, for example (S15).

Next, the terminal device 10 transmits the user's location information to the electronic payment server 100 (S16). Upon receiving the user's location information, the electronic payment server 100 permits use of area postpay based on the location information and the postpayment permitted area stored in the area postpayment table 200B (S17). Thereafter, the user makes a payment using area deferred payment for purchasing goods or services (S18). The terminal device 10 notifies the electronic settlement server 100 of the area deferred payment settlement amount used in the deferred payment permitted area (S19). The electronic settlement server 100 that has received the notification increases the area postpayment usage amount by the amount of the area postpayment settlement amount, and simultaneously increases the area postpayment bonus (S20). Next, the electronic payment server 100 notifies the terminal device 10 of the available area postpaid frame obtained by subtracting the area postpaid usage amount from the area special postpaid frame (S21).

After that, the user uses the terminal device 10 to charge the electronic payment service with an amount equivalent to the area postpaid usage amount of the current month by a predetermined day of the next month, and the postpaid usage amount is subtracted from the charge balance on the predetermined day. (S22). With the above processing, it is possible to promote deferred payment of goods or services highly related to the insurance money or benefit claimed by the user, and reduce the risk of wasteful spending by the user and unauthorized use by a third party.

<Modification 2>
In the above-described embodiment and modification, the special postpayment frame or the area special postpayment frame is set only once based on the claim information of insurance claims or benefits claimed by the user. However, alternatively, the electronic payment server 100 according to Modification 2 may set the special deferred payment frame by dividing it a plurality of times. For example, some death insurances pay benefits monthly for a certain period of time, in which case a special deferred payment frame may be set every month during that period. As a result, it is possible to fine-tune the use of deferred payment to the user according to the details of the insurance plan without increasing the credit risk.

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

10 terminal device 11 communication unit 12 input/output unit 13 control unit 50 insurance server 51 communication unit 52 control unit 53 storage unit 53A user insurance information table 53B examination pass rate table 100 electronic payment server 110 communication unit 120 charge balance/bonus balance setting unit 130 settlement processing unit 140 deferred payment processing unit 150 first amount frame setting unit 160 billing information acquisition unit 170 credit information acquisition unit 180 examination passing rate acquisition unit 190 second amount frame setting unit 200 storage unit 200A user payment information table 200B area postpayment table

Claims (9)

a claim information acquisition unit that acquires claim information related to claims for insurance claims or benefits made by users;
a second amount frame setting unit that sets a second amount frame separately from the first amount frame preset in the electronic payment service when the billing information is acquired ,
The claim information includes content information of claims for insurance or benefits made by the user,
The second amount frame setting unit sets the second amount frame further based on the content information,
When the content information indicates that the benefit is to be divided and paid over a certain period of time, the second amount frame setting unit sets the second amount frame a plurality of times according to the division of the benefit, at time intervals. set at
Information processing equipment. a claim information acquisition unit that acquires claim information related to claims for insurance claims or benefits made by users;
a second money amount setting unit that sets a second money amount frame separately from the first money amount frame preset in the electronic payment service when the billing information is acquired;
an examination pass rate acquisition unit that acquires an examination pass rate of claims for insurance claims or benefits made by the user;
The second monetary amount setting unit sets the second monetary amount based on at least the screening pass rate,
Information processing equipment. further comprising a credit information acquisition unit that acquires credit information of the user;
The second amount frame setting unit sets the second amount frame based on the billing information and the credit information.
The information processing apparatus according to claim 1 or 2. The second amount frame setting unit sets the second amount frame that can be settled only at a store related to the content information.
The information processing device according to claim 1 . further comprising a benefit granting unit that grants a benefit to the user only when the user makes a payment related to the content information;
The information processing device according to claim 1 . The information processing device
Acquiring claim information related to claims for insurance claims or benefits made by users,
setting a second amount frame separately from the first amount frame preset by the electronic payment service when the billing information is acquired ;
The claim information includes content information of claims for insurance or benefits made by the user,
setting the second amount limit further based on the content information;
When the content information indicates that the benefit is divided and paid over a certain period of time, the second amount frame is set a plurality of times at time intervals according to the division of the benefit.
Information processing methods. to the computer,
Acquire claim information related to claims for insurance claims or benefits made by users,
When the billing information is acquired, setting a second amount frame separately from the first amount frame preset by the electronic payment service;
The claim information includes content information of claims for insurance or benefits made by the user,
setting the second amount frame further based on the content information;
When the content information indicates that the benefit is divided and paid over a certain period of time, the second amount frame is set a plurality of times at time intervals according to the division of the benefit.
program. The information processing device
Acquiring claim information related to claims for insurance claims or benefits made by users,
setting a second amount frame separately from the first amount frame preset by the electronic payment service when the billing information is acquired;
Acquiring an examination pass rate of claims for insurance claims or benefits made by the user;
setting the second monetary amount based at least on the examination pass rate;
Information processing methods. to the computer,
Acquire claim information related to claims for insurance claims or benefits made by users,
setting a second amount frame separately from the first amount frame preset by the electronic payment service when the billing information is acquired;
Acquiring the examination pass rate of claims for insurance claims or benefits made by the user,
setting the second monetary amount based at least on the examination pass rate;
program.

Images