JP7295996B1 - Information processing device and information processing method - Google Patents

Abstract

An object of the present invention is to improve user convenience. An information processing apparatus (1) includes a storage unit (12) that stores a settlement limit that indicates the upper limit of the amount that a user can settle using a predetermined settlement means in a predetermined period in association with a user's user ID; A payment request receiving unit 131 that receives a payment request including a payment amount corresponding to a payment made by the user using a predetermined payment method within a period of time; a benefit specifying unit 132 that specifies the content of the benefit scheduled to be received, the settlement limit associated with the user ID, the content of the benefit, and the total amount of the user's settlement amount using a predetermined settlement method in a predetermined period; A settlementable amount specifying unit 133 that specifies a settlementable amount that is the remaining amount that can be settled using a predetermined settlement means in a predetermined period based on, and a settlement amount that includes the specified settlementable amount in a settlement request and a settlement processing unit 134 for performing settlement corresponding to the settlement request in the above cases. [Selection drawing] Fig. 2

Description

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

In a post-payment method such as a credit card, a credit limit is set to indicate the amount of money that a user can pay using the payment method within a predetermined period. For example, Patent Literature 1 discloses that the usage limit of a deferred payment method is determined in consideration of points owned by a user (see Patent Literature 1, for example).

Japanese Patent No. 6355505

The settlement amount that the user can settle in a predetermined period is determined based on the usage limit and the total amount of the user's settlement amount using a predetermined settlement method during the predetermined period. By purchasing products and acquiring benefits such as points, the user can newly acquire the ability to pay for the benefits. There was a problem that the amount that can be settled was not determined by For this reason, in the conventional technology, the user may not be able to purchase the product because the payment ability corresponding to the benefit to be obtained is not taken into consideration when determining the amount that can be settled. there were.

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

The information processing apparatus according to the first aspect of the present invention provides a settlement limit indicating the upper limit of the amount that the user can settle during a predetermined period using a predetermined settlement method, in association with user identification information for identifying the user. a storage unit for storing an amount; a payment request receiving unit for receiving a payment request including a payment amount corresponding to payment by the user using the predetermined payment method within the predetermined period; and receiving the payment request, a benefit specifying unit that specifies the content of benefits to be granted to the user after receiving the payment request; and the payment limit stored in the storage unit in association with the user identification information; Using the predetermined payment method during the predetermined period based on the content of the benefit identified by the benefit identification unit and the total amount of the payment by the user using the predetermined payment method during the predetermined period a specifying unit for specifying a settlementable amount that is the remaining amount that can be settled by the settlement request; and a payment processor.

The benefit specifying unit may specify the content of the benefit scheduled to be given to the user by the payment deadline of the settlement amount included in the settlement request.
The benefit specifying unit may specify an expiration date of the benefit, and specify contents of the benefit whose expiration date is later than the payment deadline.

The storage unit associates and stores the user identification information and payment record information indicating a payment record corresponding to a service used by the user who makes a payment using the predetermined payment method, and the benefit specifying unit and determining the benefit given to the user corresponding to the use of the service based on the payment record.

The benefit is a point given to the user in response to the completion of payment corresponding to the payment request, and the specifying unit includes the payment limit associated with the user identification information of the user, and and the amount that can be settled based on points given to the user in response to the completion of the payment corresponding to the payment request and the total amount of the payment amount.

The benefit specifying unit specifies, as benefits scheduled to be given to the user, points to be given to the user in response to completion of payment corresponding to the payment request received by the payment request receiving unit, The given points, which are the points given to the user when the payment request is received, are specified as the benefits given to the user, and the specifying unit is configured to specify the points associated with the user identification information. The possible settlement amount may be specified based on a settlement limit amount, points granted to the user based on the settlement request, and the granted points.

The specifying unit receives points used for specifying the settlement amount from the user, and determines the settlement amount based on the settlement limit associated with the user identification information of the user and the received points. may be specified.
The specifying unit may increase the settlement limit amount in exchange for consumption of the points.

The specifying unit receives an instruction from the user to specify the settlementable amount using the benefit, and when receiving the instruction, uses the benefit specified by the benefit specifying unit to use the settlementable amount. may be specified, and the settlementable amount may be specified without using the content of the benefit when the instruction is not accepted.

The benefit is a point given to the user in response to the completion of the payment corresponding to the payment request, and the information processing device receives payments made during the predetermined period using the predetermined payment means. A billing unit that bills the user for the total amount as a billing amount, and a point management unit that applies the points of the user to the billing amount if the payment of the billing amount by the user is not completed by the payment date. and .

The benefit is a point given to the user based on the payment request, and the information processing device uses the predetermined payment means to set the total payment amount settled in the predetermined period as the billed amount. a billing unit that bills the user, and if the payment of the billed amount by the user is not completed by the payment date, points scheduled to be given after receiving the payment request are not given to the user; Alternatively, it may further include a point management unit that cancels the points given to the user after receiving the payment request.

The benefit is a point given to the user based on the payment request, and the information processing device uses the predetermined payment means to set the total payment amount settled in the predetermined period as the billed amount. A billing unit that bills the user, and if the payment of the billed amount by the user is not completed by the payment date, restricts the use of the points granted to the user until the payment of the billed amount is completed. You may further have a point management part.

When the settlement amount is less than the settlement amount included in the settlement request, purchasing a product, subscribing to a service, or receiving the benefits that can resolve the situation in which the settlement amount is greater than the settlement amount It may further include a notification unit that notifies the terminal of the user of information prompting use.

An information processing method according to a second aspect of the present invention comprises the steps of: receiving a payment request including a payment amount corresponding to a payment made by a user using a predetermined payment method within a predetermined period; upon receiving a request, identifying the content of benefits to be granted to the user after receiving the payment request; a settlement limit indicating the upper limit of the amount that the user can settle during the predetermined period using the settlement means, details of the specified benefit, and the user's payment using the predetermined settlement means during the predetermined period; determining a settlementable amount, which is a remaining amount that can be settled using the predetermined settlement means in the predetermined period, based on the total settlement amount and the settlement request; and performing payment corresponding to the payment request if the payment amount is equal to or greater than the payment amount included in the payment request.

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

It is a figure which shows the outline of a payment system. It is a figure which shows the functional structure of an information processing apparatus. It is a figure which shows an example of settlement limit information. It is a figure which shows an example of point management information. It is a figure which shows an example of payment information. FIG. 5 is a diagram showing an example of billing amount information; 4 is a flow chart showing the flow of processing of the information processing apparatus;

[Overview of payment system S]
FIG. 1 is a diagram showing an outline of a settlement system S. As shown in FIG. The payment system S is a system that performs payment upon receiving a payment request from the user terminal 2 owned by the user or the shop terminal 3 used by the shop when the user purchases a product or service at the shop.

The payment system S includes an information processing device 1 , a user terminal 2 and a store terminal 3 . The information processing device 1 is a server that performs payment corresponding to a predetermined payment method. The predetermined payment method is a payment method of a deferred payment method, for example, a payment method using a predetermined credit card. The user terminal 2 is an information terminal used by a user, such as a smart phone, tablet, or personal computer. The store terminal 3 is, for example, a POS terminal. The information processing device 1 is communicably connected to the user terminal 2 and the store terminal 3 via a communication network such as the Internet or a wireless LAN (Local Area Network).

As shown in FIG. 1, the information processing apparatus 1 is associated with a user ID (Identification) serving as user identification information for identifying a user, and indicates the amount of money that the user can pay for a given period of time using a given payment means. A settlement limit amount indicating the upper limit is stored. The predetermined period is a unit period in which the settlement amount to be billed by the predetermined settlement means is totaled when the user performs the purchasing activity. is. A user ID is, for example, an ID given to a user by a payment business operator who performs payment according to a predetermined payment method. If the predetermined payment method is a payment method using a credit card, the user ID may be a card number.

Hereinafter, the flow until settlement is performed will be described with reference to FIG. In the following description, products or services are collectively referred to as products.
A user purchases a product at a store. The information processing device 1 receives from at least one of the user terminal 2 and the store terminal 3 a predetermined amount including the user ID of the user, the store ID of the store, and the payment amount corresponding to the purchase of the product at the user's store. A payment request corresponding to the payment method is received ((1) in FIG. 1).

When the information processing device 1 receives the payment request, it identifies the content of the benefit that is scheduled to be given to the user after the payment request is received ((2) in FIG. 1). The benefits are, for example, points given to the user in response to the completion of the payment corresponding to the payment request, benefits for subscribing to a predetermined service scheduled in the future, and user rank for determining the payment limit.

Information processing device 1 determines a predetermined payment amount based on the payment limit associated with the user ID of the user, the details of the specified benefit, and the total payment amount of the user using a predetermined payment method during a predetermined period. A settlementable amount, which is the remaining amount that can be settled using a predetermined settlement means in a period, is specified ((3) in FIG. 1). The information processing device 1 determines whether the specified possible settlement amount is greater than or equal to the settlement amount included in the settlement request ((4) in FIG. 1). The information processing device 1 performs payment processing corresponding to the payment request when the specified possible payment amount is equal to or greater than the payment amount included in the payment request ((5) in FIG. 1).

By doing so, the information processing apparatus 1 subtracts the remaining amount that can be settled using a predetermined payment method for a predetermined period from the payment limit corresponding to the user at the time of receiving the payment request, and the payment amount is calculated as the payment amount. Even if the amount is less than , the settlement process can be performed on the condition that the settlementable amount specified in consideration of the payment ability corresponding to the benefit expected to be obtained by the user exceeds the settlement amount. As a result, the user can purchase the product using a predetermined payment method, so that the information processing apparatus 1 can improve convenience for the user.

Next, the details of the configuration of the information processing device 1 will be described. In the following description, it is assumed that the benefit is a point given to the user in response to the completion of payment corresponding to the payment request. In the following explanation, for the sake of simplicity, the unit of money is Yen, and 1 point has a monetary value of 1 Yen. may be converted to

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

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

In addition, the storage unit 12 stores a settlement limit that indicates the upper limit of the amount that the user can settle in a predetermined period using a predetermined settlement method, in association with the user ID for identifying the user. Specifically, the storage unit 12 stores settlement limit information that associates at least a user ID with a settlement limit for a unit period. FIG. 3 is a diagram showing an example of settlement limit information. As shown in FIG. 3, the settlement limit information is information that associates a user ID, a settlement limit in a unit period corresponding to a predetermined settlement method, a closing date, and a scheduled payment date. The scheduled payment date is the scheduled date on which the total settlement amount, which is the total settlement amount settled using a predetermined settlement method, will be paid from the user's bank account to the settlement operator.

In addition, the storage unit 12 stores point management information that associates the user ID of the user with the given points, which are the points given to the user. FIG. 4 is a diagram showing an example of point management information. As shown in FIG. 4, it can be confirmed that the user ID is associated with the given points.

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

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

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the programs stored in the storage unit 12, the control unit 13 controls a payment request reception unit 131, a benefit identification unit 132, a settlement amount identification unit 133, a payment processing unit 134, a privilege management unit 135, and a billing unit. 136.

The settlement request receiving unit 131 receives a settlement request including a settlement amount corresponding to a user's settlement using a predetermined settlement method within a predetermined period. When the predetermined means of payment is a credit card, the payment request receiving unit 131 identifies the user ID read from the credit card by the shop terminal 3 and the shop where the user makes the payment, from the shop terminal 3 provided in the shop. Receives a payment request including a shop ID for making a payment and a payment amount.

Note that the payment request receiving unit 131 may receive a payment request for payment using a predetermined payment method according to a payment method using a code. Payment methods using codes include a CPM (Consumer Presented Mode) payment method and an MPM (Merchant Presented Mode) payment method. In the CPM method, a payment code such as a two-dimensional bar code is displayed on a user terminal, and a payment request is sent from the shop to the information processing device 1 in response to the payment code being read by the shop. In this method, payment is made by In the MPM method, a payment code is presented at a store, and payment is made by transmitting a payment request from the user terminal to the information processing device 1 in response to the payment code being read by the user terminal. method.

When the payment request receiving unit 131 receives the payment request, the benefit specifying unit 132 specifies the benefits to be given to the user corresponding to the user ID included in the payment request after the payment request is received. identify. For example, the benefit specifying unit 132 determines points to be given to the user based on the payment amount included in the payment request and a predetermined point award rate, which are scheduled to be given after the payment request is received. Identify as the content of the benefit. In the following description, the benefits scheduled to be granted after receiving the settlement request are also referred to as scheduled benefits.

Here, the benefit scheduled to be given may be a point given to the user in response to the completion of the payment corresponding to the payment request that the payment request receiving unit 131 is scheduled to receive in the future. The payment request to be received by the payment request receiving unit 131 in the future corresponds to, for example, a subscription service used by the user or a service that requires periodic payment of a usage fee, such as a public utility payment service. This is a payment request to

In this case, the user ID of the user and the payment performance information indicating the payment performance corresponding to the service used by the user who settles the payment using the predetermined payment method are stored in the storage unit 12 in association with each other. The payment record includes, for example, the payment date and the payment amount. The benefit specifying unit 132 determines points that will be given to the user in the future for using the service, based on the settlement date and settlement amount included in the payment record indicated by the payment record information stored in the storage unit 12. It is specified as the content of the benefit to be granted.

Further, the benefit specifying unit 132 may specify, as the content of the benefits scheduled to be granted, the points scheduled to be granted to the user by the payment deadline for the settlement amount included in the settlement request received by the settlement request receiving unit 131. . For example, the benefit specifying unit 132 refers to the settlement limit information stored in the storage unit 12, and determines whether the scheduled payment date associated with the user ID included in the received settlement request is included in the settlement request. Identifies the payment due date for the settlement amount.

The benefit identification unit 132 refers to the payment record information, and identifies a payment request scheduled to occur between the current date and time and the specified payment deadline, and a payment amount included in the payment request. The benefit identification unit 132 identifies points scheduled to be awarded to the user by the deadline for payment of the payment amount as content of benefits scheduled to be provided, based on the identified payment amount and point award rate. By doing so, the information processing apparatus 1 can be given to the user in response to the completion of the payment corresponding to not only the payment request received by the payment request receiving unit 131 but also the payment request that will occur in the future. Points can also be specified as the content of benefits to be granted.

Here, the benefit specifying unit 132 specifies the expiration date of the benefit, and the points whose expiration date is later than the payment deadline of the payment amount included in the payment request received by the payment request receiving unit 131 are added to the scheduled benefits. May be specified as content. If at least some of the points given to the user have expiration dates, the benefit identification unit 132 identifies the expiration dates of the points. The benefit specifying unit 132 then specifies, as scheduled benefits, points whose specified expiration date is later than the payment deadline of the payment amount included in the received payment request.

In addition, the benefit specifying unit 132 determines the user rank for determining the settlement limit amount to be changed in response to the completion of the settlement corresponding to the received settlement request, and the privilege of increasing the settlement limit amount. may be specified as the content of

When the user rank is determined by the total amount of payments made in a predetermined period, the benefit identification unit 132 refers to the payment information stored in the storage unit 12 and calculates the total amount of payments made in the predetermined period. Then, the payment amount included in the received payment request is added to the total amount, and the total amount is calculated by adding the payment amount included in the received payment request. The benefit identification unit 132 identifies the user rank based on the calculated total amount as the content of the benefits scheduled to be provided. Further, when the payment request receiving unit 131 receives a payment request together with a privilege ID for identifying a privilege used by the user, the benefit specifying unit 132 determines that the privilege indicated by the privilege ID has an increased payment limit. Determine if it is a privilege. When the benefit specifying unit 132 determines that the benefit is a benefit that increases the settlement limit amount, the benefit specifying unit 132 specifies the benefit as the benefit to be provided.

In addition, the benefit specifying unit 132 specifies, as benefits scheduled to be given, points to be given to the user in response to the completion of the payment corresponding to the payment request received by the payment request receiving unit 131, and at the time of receiving the payment request. Granted points, which are points granted to the user, may be identified as benefits (granted benefits) granted to the user. For example, the benefit specifying unit 132 refers to the point management information stored in the storage unit 12 and refers to the given points that are given to the user when the payment request received by the payment request receiving unit 131 is received. is identified as the benefit granted. By doing so, the information processing apparatus 1 can also treat the awarded points given to the user as the user's ability to pay, and calculate the amount that can be settled.

Further, in the point management information, the user ID, the plurality of awarded points, and the expiration date of each of the plurality of awarded points may be associated with each other. Then, the benefit specifying unit 132 refers to the point management information stored in the storage unit 12, and determines whether the granted points whose expiration date is later than the payment deadline of the payment amount included in the received payment request have been granted. May be identified as a benefit. By doing so, the information processing device 1 can specify only the points that can be used as collateral for the payment amount corresponding to the payment request received by the payment request receiving unit 131 as the provided benefits.

The available settlement amount specifying unit 133 sends a payment to the user according to the settlement limit amount stored in the storage unit 12 in association with the user ID and the completion of the settlement corresponding to the settlement request specified by the benefit specifying unit 132. Settlement possible, which is the remaining amount that can be settled using a predetermined payment method during a predetermined period based on the content of the benefit to be granted and the total amount of payment by the user using the predetermined payment method during the predetermined period Identify the amount.

First, the available settlement amount specifying unit 133 refers to the settlement limit information stored in the storage unit 12, and determines the settlement limit associated with the user ID included in the settlement request received by the settlement request receiving unit 131. Identify the amount. If the benefit specified by the benefit specifying unit 132 includes a privilege for increasing the settlement limit amount such as user rank, the specified settlement limit amount is changed based on the contents of the privilege. For example, if the specified user rank doubles the settlement limit amount, the settlement limit specifying unit 133 doubles the settlement limit amount associated with the user ID, Adjust payment limits.

Also, the payable amount identifying unit 133 refers to the payment information stored in the storage unit 12, and corresponds to a predetermined period associated with the user ID included in the payment request received by the payment request receiving unit 131. By summing up the settlement amounts for a predetermined period, the total amount of settlement amounts for the user using the predetermined settlement means is calculated. If the benefit specified by the benefit specifying unit 132 includes points to be given to the user in response to the completion of the payment corresponding to the received payment request, the payable amount specifying unit 133 determines the adjusted settlement amount. The amount that can be settled is specified by subtracting the calculated total amount of the settlement amount from the total amount of the limit amount and the monetary value corresponding to the points specified by the benefit specifying unit 132 .

If the benefit specified by the benefit specifying unit 132 includes a given point, the payable amount specifying unit 133 gives the user based on the settlement limit associated with the user ID and the settlement request. The amount that can be settled may be specified based on the points, the given points, and the total amount of the user's payment amount using a predetermined payment method during a predetermined period.

In addition, the payable amount identification unit 133 may receive from the user an instruction to specify the payable amount using points as benefits, or may receive points used to identify the payable amount from the user. For example, the available settlement amount specifying unit 133 determines that the settlement amount included in the settlement request received by the settlement request receiving unit 131 is the amount obtained by subtracting the total settlement amount from the user's settlement limit amount (the settlement amount without considering benefits). ), an instruction is received from the user as to whether or not to specify the settlementable amount using points, and among the points specified by the benefit specifying unit 132, the points used to specify the settlementable amount are The user terminal 2 is caused to display an acceptance screen for acceptance.

When the payable amount identification unit 133 receives an instruction to specify the payable amount using points from the user via the reception screen, the payable amount identification unit 133 receives the points used to increase the payable amount from the user via the reception screen. accept. Then, the payable amount specifying unit 133 determines the total amount of the settlement amount associated with the user ID of the user, the points received from the user, and the user's settlement amount using a predetermined settlement method in a predetermined period. Based on this, determine the amount that can be settled.

On the other hand, if the payable amount specifying unit 133 does not receive an instruction from the user to specify the payable amount using points, the payable amount identifying unit 133 does not use points and sets the settlement limit associated with the user ID of the user, The amount that can be settled is specified based on the total amount of payments made by the user using a predetermined payment method during a predetermined period. In this way, the information processing device 1 can specify the payable amount using points only when the user wishes to use points to specify the payable amount.

In addition, the payable amount specifying unit 133 sets the settlement limit in exchange for consumption of points to be granted or already granted points, which are points to be granted to the user in response to the completion of the settlement corresponding to the received settlement request. may be increased. For example, the payable amount specifying unit 133 receives from the user terminal 2 the amount of points to be given or already given points to be used for increasing the settlement limit. The payable amount specifying unit 133 increases the settlement limit amount stored in the storage unit 12 based on the received scheduled grant points or the amount of granted points, and determines the scheduled grant points used for specifying the payable amount. Or extinguish the given points. Here, when the settlement limit amount is increased based on the points, the period during which the settlement limit amount is increased may be limited.

In addition, when the settlement limit amount is increased in exchange for the consumption of the given points, and when the settlement limit amount is increased by using points to be granted, the settlement amount identification unit 133 determines that the settlement corresponding to the settlement request has been completed. In response, the privilege management unit 135 is controlled to give points (planned points to be given) corresponding to the settlement amount, and then extinguish the points to be given which are used for specifying the settlementable amount. In this case, the payable amount identification unit 133 may perform control so as not to give to the user the amount of planned grant points used to identify the payable amount among the points corresponding to the settlement amount. By doing so, the user can use the points to increase the settlement limit amount.

In addition, the settlementable amount specifying unit 133 functions as a notification unit, and when the specified settlementable amount is less than the settlement amount included in the settlement request received by the settlement request receiving unit 131, the settlement amount can be settled. The user terminal 2 may be notified of information that encourages the user to purchase a product or to subscribe to or use a service that provides benefits that can eliminate the situation of exceeding the amount.

For example, the storage unit 12 associates and stores the content of the benefit with information for identifying the product or service to which the benefit is given to the user. Here, the benefit includes not only points but also a privilege to raise the current settlement amount limit. The payable amount identifying unit 133 refers to the storage unit 12 and selects a product or service for which the content of the benefits given to the user by purchase exceeds the payment shortfall amount, which is the amount obtained by subtracting the payable amount from the payment amount. Identify. Then, the payable amount specifying unit 133 notifies the user terminal 2 of information prompting purchase of the specified product or subscription or use of the service.

When the user purchases a product or subscribes to or uses a service based on the notified information, the payment request received by the payment request receiving unit 131 is temporarily canceled. Then, the payment request receiving unit 131 receives a new payment request including the sum of the purchase price of the product corresponding to the payment request and the purchase price of the product or the usage price of the service corresponding to the notified information. . Then, the benefit specifying unit 132 re-specifies the content of the benefits to be given to the user after the payment request is received, and the payable amount specifying unit 133 again specifies the payable amount. exceeds the settlement amount included in the settlement request newly received by the settlement request receiving unit 131 . By doing so, the user can purchase the product corresponding to the initial payment request.

In addition, if the specified available settlement amount is less than the settlement amount included in the settlement request received by the settlement request receiving section 131, the settlement available amount specifying unit 133 determines the benefit to be obtained in the future as the available settlement amount. A selection of whether or not to use for increasing may be accepted. By doing so, the information processing apparatus 1 can confirm with the user in advance whether or not to use future benefits to increase the settlementable amount. Further, when the user purchases a product or subscribes to or uses a service based on the notified information, the payment request received by the payment request receiving unit 131 is temporarily canceled. do not have. For example, the payment request does not need to be canceled if the subscription to the service does not incur costs, such as subscription to a credit card with no annual fee. In this case, the benefit identifying unit 132 may again identify the content of the benefit to be given to the user after the procedure for subscribing to the service is completed.

The settlement processing unit 134 performs settlement corresponding to the settlement request when the settlement amount specified by the settlement request amount specifying unit 133 is greater than or equal to the settlement amount included in the settlement request received by the settlement request receiving unit 131. . For example, the settlement processing unit 134 deposits the settlement amount included in the settlement request into the account of the store identified by the store ID included in the settlement request as processing related to settlement corresponding to the settlement request. and a second process of associating the user ID included in the payment request, the payment amount, and the date and time when the payment request was received and storing it in the storage unit 12 as payment information.

In addition, if the available settlement amount specified by the available settlement amount specifying section 133 is less than the settlement amount included in the settlement request received by the settlement request receiving section 131, the settlement processing section 134 performs the settlement corresponding to the settlement request. error information is sent to the sender of the payment request.

When the payment processing unit 134 executes the first processing and the second processing related to payment and the payment corresponding to the payment request received by the payment request receiving unit 131 is completed, the privilege management unit 135 sends the user information included in the payment request. A benefit is given to the user corresponding to the ID.

For example, the privilege management unit 135 functions as a point management unit, and gives points to the user when the payment corresponding to the payment request received by the payment request receiving unit 131 is completed. The privilege management unit 135 multiplies the settlement amount included in the settlement request received by the settlement request receiving unit 131 by a predetermined point grant rate, thereby calculating points to be granted to the user. Give the user the points. The privilege management unit 135 adds the calculated points to the points associated with the user ID included in the payment request received by the payment request reception unit 131 in the point management information stored in the storage unit 12. , gives the calculated points to the user.

The billing unit 136 bills the user for the sum of the settlement amounts settled in a predetermined period using a predetermined settlement method as the billed amount. For example, the billing unit 136 refers to the billing information and totals the settlement amount for each of the plurality of user IDs, thereby calculating the billed amount for each of the plurality of users. The billing unit 136 bills the user of the user ID for the billing amount calculated corresponding to the user ID.

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

If the payment of the billed amount by the user is not completed by the payment date, the privilege management unit 135 appropriates the points of the user to the billed amount. For example, the privilege management unit 135 identifies the user ID of the user whose payment of the billed amount has not been completed by the due date. The privilege management unit 135 identifies the remaining billed amount that the user could not pay out of the billed amount billed to the user. The privilege management unit 135 refers to the point management information, applies an amount of points corresponding to the specified remaining billed amount to the remaining billed amount, Subtract an amount of points corresponding to the amount charged. By doing so, the settlement business operator can apply the points remaining as the payment capacity to the remaining billed amount and recover at least part of the remaining billed amount.

In addition, if the payment of the billed amount by the user is not completed by the payment deadline, the privilege management unit 135 prevents the user from receiving points that are scheduled to be given after receiving the payment request, or cancels the points. You can In this case, even if the number of points scheduled to be granted after receiving the payment request is greater than the remaining billed amount that the user could not pay, the privilege management unit 135 , or may be extinguished.

In addition, if the payment of the billed amount by the user is not completed by the payment deadline, the privilege management unit 135 may restrict the use of the granted points given to the user until the payment of the billed amount is completed. . For example, if the payment of the billed amount by the user is not completed by the payment deadline, the privilege management unit 135 may reduce the amount of points granted to the user that can be used at one time until the payment of the billed amount is completed. Limits may be set. Also, the privilege management unit 135 may prohibit the use of the already-given points given to the user. By doing so, the user tries to complete the payment of the billed amount without restricting the use of the points, so that the probability of completing the payment of the billed amount can be increased.

[Operation flow]
Next, the processing flow of the information processing device 1 will be described. FIG. 7 is a flow chart showing the flow of processing when the information processing apparatus 1 performs settlement.
First, the payment request receiving unit 131 receives a payment request including the user ID of the user who used a predetermined payment method, the store ID, and the payment amount corresponding to the payment by the user (S1).

Subsequently, the benefit identification unit 132 identifies the content of the benefit that is scheduled to be given to the user after receiving the payment request (S2). Here, the benefit identification unit 132 may identify a given point as a benefit given to the user together with the planned benefit to be given to the user.

Subsequently, the payable amount specifying unit 133 determines the settlement limit stored in the storage unit 12 in association with the user ID included in the settlement request received in S1, the content of the benefits specified in S2, and the predetermined amount. Based on the total amount of the user's settlement amount using the predetermined settlement method during the period, the settlementable amount, which is the remaining amount that can be settled using the predetermined settlement method during the predetermined period, is specified (S3).

Subsequently, the payment processing unit 134 determines whether or not the possible payment amount specified in S3 is greater than or equal to the payment amount included in the payment request (S4). When the settlement processing unit 134 determines that the available settlement amount is equal to or greater than the settlement amount included in the settlement request (YES in S4), the processing proceeds to S5, and the user ID, store ID, and settlement amount included in the settlement request are , and executes payment processing corresponding to the payment request. Subsequently, the privilege management unit 135 gives benefits to the user based on the payment amount included in the payment request (S6).

On the other hand, when the settlement processing unit 134 determines that the available settlement amount is less than the settlement amount included in the settlement request (NO in S4), the processing proceeds to S7, and the settlement corresponding to the settlement request cannot be made. Send the error information shown to the sender of the payment request.

[Modification]
Note that, in the above-described embodiment, the available settlement amount identifying unit 133 can resolve the insufficient settlement amount when the specified available settlement amount is less than the settlement amount included in the received settlement request. Although the user terminal 2 is notified of information prompting purchase of a product that can be obtained, or subscription to or use of a service, the present invention is not limited to this. The available settlement amount specifying unit 133 may specify the available settlement amount again after the settlement corresponding to the received settlement request is completed. Then, if the re-specified possible settlement amount falls below a predetermined amount, the settlementable amount specifying unit 133 sends information to the user terminal 2 to encourage the user to purchase a beneficial product or to subscribe to or use a service. may be notified to

In addition, if the payable amount identifying unit 133 does not receive an instruction from the user to specify the payable amount using points, the payable amount specifying unit 133 does not use the points and sets the settlement limit associated with the user ID of the user, The amount that can be settled is identified based on the total amount of payments made by the user using a predetermined payment method during a predetermined period. In this case, the payable amount identification unit 133 may specify the payable amount again after the payment corresponding to the received payment request is completed. Then, if the re-specified payable amount falls below the predetermined amount, the payable amount specifying unit 133 asks the user again whether or not to specify the payable amount using the given points. It may be received from the user. In this case, the payable amount specifying unit 133 asks the user again whether or not to specify the payable amount using points that are not given to the user at present and are scheduled to be given in the future. You may accept it.

[Effect of information processing device 1]
As described above, when the information processing apparatus 1 according to the present embodiment receives a settlement request including a settlement amount corresponding to a settlement by a user using a predetermined settlement method within a predetermined period, the information processing apparatus 1 receives the settlement request. The total amount of the payment limit corresponding to the user, the details of the specified benefit, and the user's payment amount using a prescribed payment method in a prescribed period Based on the above, a settlementable amount, which is the remaining amount that can be settled using a predetermined settlement means in a predetermined period, is specified. Then, the information processing device 1 performs the payment corresponding to the payment request when the specified possible payment amount is equal to or greater than the payment amount included in the received payment request. By doing so, the information processing apparatus 1 can improve user convenience.

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

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

1 information processing device 2 user terminal 3 store terminal 11 communication unit 12 storage unit 13 control unit 131 payment request reception unit 132 benefit identification unit 133 settlementable amount identification unit 134 payment processing unit 135 point management unit 136 billing unit S payment system

Claims (13)

a storage unit that stores a settlement limit amount that indicates the upper limit of the amount that the user can settle in a predetermined period using a predetermined settlement means, in association with user identification information for identifying the user;
a payment request receiving unit that receives a payment request including the payment amount corresponding to the user's payment using the predetermined payment method within the predetermined period and the user identification information of the user ;
A benefit identification unit that, upon receiving the payment request, identifies the content of the benefit to be given to the user in response to the completion of the payment corresponding to the payment request, based on the payment amount included in the payment request. and,
The settlement limit stored in the storage unit in association with the user identification information included in the received settlement request , the content of the benefit specified by the benefit specifying unit, and the a specifying unit that specifies a settlementable amount, which is the remaining amount that can be settled using the predetermined payment method in the predetermined period, based on the total amount of the payment amount of the user using the predetermined payment method; ,
a settlement processing unit that performs settlement corresponding to the settlement request when the specified settlement amount is equal to or greater than the settlement amount included in the settlement request;
Information processing device having The benefit specifying unit specifies the content of the benefit scheduled to be given to the user by the payment deadline of the settlement amount included in the settlement request.
The information processing device according to claim 1 . The benefit specifying unit specifies the expiration date of the benefit, and specifies the content of the benefit whose expiration date is later than the payment deadline.
The information processing apparatus according to claim 2. The benefit is a point given to the user in response to completion of payment corresponding to the payment request,
The specifying unit determines the settlement amount limit associated with the user identification information of the user, points given to the user in response to completion of settlement corresponding to the settlement request, and the settlement amount. Identifying the settlementable amount based on the total amount and
The information processing device according to claim 1 . The benefit specifying unit specifies, as benefits scheduled to be given to the user, points to be given to the user in response to completion of payment corresponding to the payment request received by the payment request receiving unit, Identifying a given point, which is a point given to the user when the payment request is received, as a benefit given to the user;
The specifying unit specifies the settlementable amount based on the settlement limit associated with the user identification information, points granted to the user based on the settlement request, and the granted points. do,
The information processing apparatus according to claim 4 . The specifying unit receives points used for specifying the settlement amount from the user, and determines the settlement amount based on the settlement limit associated with the user identification information of the user and the received points. identify the
The information processing apparatus according to claim 4 or 5 . The specifying unit increases the settlement limit amount in exchange for consumption of the points.
The information processing apparatus according to claim 4 . The specifying unit receives an instruction from the user to specify the settlementable amount using the benefit, and when receiving the instruction, uses the benefit specified by the benefit specifying unit to use the settlementable amount. and if the instruction is not accepted, the settlement amount is specified without using the content of the benefit,
The information processing apparatus according to claim 1 or 2. The benefit is a point given to the user in response to completion of payment corresponding to the payment request,
a billing unit that bills the user for the sum of the settlement amounts settled in the predetermined period using the predetermined settlement means as a billing amount;
a point management unit for allocating the user's points to the billed amount when the payment of the billed amount by the user is not completed by the payment date;
further having
The information processing apparatus according to claim 1 or 2. The benefits are points given to the user based on the payment request,
a billing unit that bills the user for the sum of the settlement amounts settled in the predetermined period using the predetermined settlement means as a billing amount;
If the payment of the billed amount by the user is not completed by the payment deadline, points scheduled to be awarded after receiving the payment request are not given to the user, or after receiving the payment request a point management unit for extinguishing the points given to the user later;
further having
The information processing apparatus according to claim 1 or 2. The benefits are points given to the user based on the payment request,
a billing unit that bills the user for the sum of the settlement amounts settled in the predetermined period using the predetermined settlement means as a billing amount;
a point management unit that, if the payment of the billed amount by the user is not completed by the payment deadline, restricts the use of the points given to the user until the payment of the billed amount is completed;
further having
The information processing apparatus according to claim 1 or 2. When the settlement amount is less than the settlement amount included in the settlement request, purchasing a product, subscribing to a service, or receiving the benefits that can resolve the situation in which the settlement amount is greater than the settlement amount further comprising a notification unit that notifies the terminal of the user of information prompting use;
The information processing apparatus according to claim 1 or 2. the computer runs
receiving a payment request including a payment amount corresponding to a user's payment using a predetermined payment method within a predetermined period and user identification information for identifying the user ;
When the payment request is received, identifying the content of the benefits to be given to the user upon completion of the payment corresponding to the payment request, based on the payment amount included in the payment request;
a payment limit indicating the upper limit of the amount that the user can pay using the predetermined payment method during the predetermined period, which is associated with the user identification information included in the received payment request; The remaining amount that can be settled using the predetermined payment method during the predetermined period based on the content of the benefit received and the total amount of the payment amount of the user using the predetermined payment method during the predetermined period identifying a payable amount, which is an amount;
a step of making a payment corresponding to the payment request when the identified possible payment amount is equal to or greater than the payment amount included in the payment request;
An information processing method comprising:

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