JP7323899B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

An information processing device, an information processing method, and an information processing program are provided that allow a user to delay payment. Kind Code: A1 An information processing device includes: a first reception unit that receives application information related to a payment proxy application from a first user; and a payment unit that pays a second user based on the application information received by the first reception unit. and a second reception unit that receives payment from the first user using a credit card according to the amount of payment to the second user when a predetermined period has elapsed since the payment was made by the payment unit. [Selection drawing] Fig. 1

Description

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

2. Description of the Related Art Conventionally, there is a device (settlement server) that bills a user for a fee corresponding to the use of a service by the user (see Patent Document 1). When the user pays the billed fee, the user activates the application installed in the terminal device used by the user and selects the payment content when paying the fee. When the payment server receives notification from the terminal device of the payment of the charge using the selected payment content, the payment server transfers the amount of electronic money corresponding to the payment charge from the account of the user to the account of the requestor.

JP 2022-057722 A

By the way, for example, in transactions between companies, a company that pays a fee (paying company) may wish to delay the payment of the fee for various reasons. However, delaying the payment of fees may require an examination and may damage the credibility of the paying company.
The device described in Patent Literature 1 cannot delay payment of charges.

The present disclosure provides an information processing device, an information processing method, and an information processing program that allow a user to delay payment.

An information processing device according to one aspect includes a first reception unit that receives application information related to a payment proxy application from a first user; a payment unit that pays a second user based on the application information received by the first reception unit; a second reception unit that receives payment from the first user using a credit card according to the amount of payment to the second user when a predetermined period of time has elapsed since the payment was made by the payment unit.

According to one aspect, payment is made to the second user based on the application information from the first user, and if a predetermined period of time has elapsed since the payment was made, the credit card according to the payment amount to the second user Since payment using is accepted from the first user, the time for the first user to pay the fee can be delayed.

1 is a diagram for explaining an information processing device according to an embodiment; FIG. 1 is a block diagram for explaining an information processing device according to an embodiment; FIG. FIG. 4 is a diagram illustrating an example of time-series processing of each unit that configures the information processing apparatus; 4 is a flowchart for explaining an information processing method according to one embodiment;

An embodiment will be described below.

[Overview of information processing device 300]
First, an outline of an information processing device 300 according to an embodiment will be described.
FIG. 1 is a diagram for explaining an information processing device 300 according to one embodiment.

The information processing device 300 may be configured as, for example, a proxy payment device that pays charges on behalf of others. Further, the information processing device 300 serves as a payment receiving device or the like that accepts payment of an amount corresponding to the proxy payment amount using a credit card from a user (for example, the first user or the like) after paying the charges on behalf of the user. may be configured. The information processing device 300 is not limited to the example device described above, and may constitute various devices.
The information processing device 300 may be, for example, a computer such as a server, desktop, laptop, tablet, and smart phone.

The information processing device 300 may be used by, for example, a first user and a second user. The first user may use a user terminal (first user terminal 100) when using the information processing device 300, for example. Also, the second user may use a user terminal (second user terminal 200) when using the information processing device 300, for example. User terminals (eg, first user terminal 100 and second user terminal 200, etc.) may be, for example, desktops, laptops, tablets, smartphones, and the like. The information processing device 300 may be capable of communicating with each of a plurality of user terminals (eg, first user terminal 100, second user terminal 200, etc.).

When the first user pays the second user, the information processing device 300 may be a device or the like that pays the fee to the second user on behalf of the first user in response to an application. That is, the information processing apparatus 300 receives, for example, a request (proxy payment application (application information)) from the first user (for example, the first user terminal 100 or the like) to pay the fee on behalf of the user. The information processing device 300 pays the charge to the second user on behalf of the user based on the application information.
The information processing apparatus 300 accepts from the first user an amount corresponding to the amount of the proxy payment when a predetermined period of time has elapsed since the proxy payment of the fee. In this case, the information processing device 300 may accept payment using a credit card from the first user, for example.
This allows the first user to delay the payment of the fee.

[Details of information processing device 300]
Next, the information processing device 300 according to one embodiment will be described in detail.
FIG. 2 is a block diagram for explaining the information processing device 300 according to one embodiment.

The information processing device 300 includes, for example, a communication unit 321, a storage unit 322, a display unit 323, a control unit 311, and the like. The communication unit 321, storage unit 322 and display unit 323 may be an embodiment of the output unit. The control unit 311 includes, for example, a first reception unit 312, a second reception unit 313, a third reception unit 314, a registration unit 315, a billing unit 316, a determination unit 317, a payment unit 318, an output control unit 319, and the like. The control unit 311 may be configured by, for example, an arithmetic processing device of the information processing device 300 . The control unit 311 (for example, an arithmetic processing unit or the like) reads and executes various programs stored in the storage unit 322 or the like as appropriate, so that each unit (for example, the first reception unit 312 and the second reception unit 313 , third reception unit 314, registration unit 315, billing unit 316, determination unit 317, payment unit 318, output control unit 319, etc.).

First, with reference to FIG. 2, functional blocks included in the information processing apparatus 300 will be described.

The communication unit 321 is, for example, a communication interface capable of transmitting and receiving various information to and from a device (external device) outside the information processing device 300 .

The storage unit 322 may store various information and programs, for example. Examples of the storage unit 322 may be memory, solid state drives, hard disk drives, and the like. Note that the storage unit 322 may be, for example, a storage area on the cloud, a server, or the like.

The display unit 323 is, for example, a display capable of displaying various characters, symbols, images, and the like.

The first reception unit 312 receives application information regarding a payment proxy application from the first user.
For example, when the first user requests payment of the price from the second user and wishes to pay the price on behalf of the second user, the first user transmits application information to the information processing device 300 using the first user terminal 100 . The first reception unit 312 receives application information from the first user terminal 100 via the communication unit 321, for example.

Note that, for example, when the second user requests payment from the first user, the second user terminal 200 is used to transmit billing information regarding the request to the information processing apparatus 300 . The information processing apparatus 300 receives the billing information by the third receiving unit 314 described later, and requests the first user (first user terminal 100) for payment according to the billing information by the billing unit 316 described later. Therefore, the first reception unit 312 may receive application information corresponding to a payment request made by the billing unit 316, for example.

The second accepting unit 313 accepts payment from the first user using a credit card according to the amount of payment to the second user when a predetermined period of time has elapsed since the payment was made by the paying unit 318 .
As will be described later, the information processing apparatus 300 makes a proxy payment to the second user instead of the first user based on the application information. For example, the information processing apparatus 300 makes payment on behalf of the first user, thereby making it possible for the first user to delay the payment of the price charged by the second user. It should be noted that the first user needs to remit to the information processing device 300 the money that the information processing device 300 has made the payment on behalf of, after the predetermined period of time has elapsed. In this case, the first user can remit the payment to the information processing device 300 using a credit card. The second reception unit 313 of the information processing device 300 receives the payment from the first user (first user terminal 100) via the communication unit 321. FIG.

The third reception unit 314 receives billing information regarding billing from the second user to the first user. As described above, for example, when the second user requests payment from the first user, the second user terminal 200 is used to transmit billing information regarding the request to the information processing apparatus 300 . The third reception unit 314 receives billing information from the second user terminal 200 via the communication unit 321, for example.

The registration unit 315 registers billing information received by the third receiving unit 314, including information on the first user to be billed and the billing amount. The registration unit 315 may register billing information in the storage unit 322, for example. As a specific example, the registration unit 315 registers, in the storage unit 322, the information of the first user to whom the payment is billed, the information of the amount billed to the first user, and the like, which are recorded in the billing information. may In this case, the registration unit 315 may register, for example, billing information including information on the first user and billing amount in a predetermined format for each first user.

When the billing information is received by the third receiving part 314, the billing unit 316 bills the first user for payment based on the billing information. That is, for example, when the billing information is registered by the registration unit 315, the billing unit 316 may bill the first user for the fee based on the registered billing information.

Note that, after billing the first user as described above, the billing unit 316 receives the application information by the first receiving unit 312, and the amount billed from the second user to the first user is paid by proxy. The first user may be billed for the total amount plus the handling fee. That is, the billing unit 316 may bill the first user for the sum of the billing amount included in the billing information registered by the registration unit 315 and the fee for the proxy payment.

Judgment unit 317 makes proxy payment from the first user to the second user based on the application information including the information of the first user received by first reception unit 312 and the billing information registered by registration unit 315. determine whether or not For example, the determination unit 317 determines the billing information based on the information of the first user and billing amount registered based on the billing information, and the information of the first user and billing amount based on the application information. and application information are associated with each other, and it is determined whether or not payment can be made to the second user instead of the first user.

The payment unit 318 makes payment to the second user based on the application information received by the first reception unit 312 . That is, for example, when the payment unit 318 accepts an application for proxy payment of the price by the first user based on the application information, the payment unit 318 makes the payment to the second user on behalf of the first user.

In this case, the payment unit 318 may make payment to the second user when the determination unit 317 determines that the proxy payment is possible. In other words, the payment unit 318 may make a proxy payment to the second user when the determination unit 317 determines that the proxy payment is possible. On the other hand, if the determining unit 317 determines that the proxy payment is not possible, the payment unit 318 does not have to make the proxy payment to the second user.

The output control unit 319 may, for example, control the output unit to output the processing result of each unit of the information processing device. As an example, the output control unit 319 may control the output unit to output the determination result of the determination unit. Here, the output unit may be, for example, the communication unit 321, the storage unit 322, the display unit 323, and the like.
That is, the output control unit 319 may control the communication unit 321 so as to transmit information on the processing result of each unit of the information processing device (for example, the determination result of the determination unit, etc.) to the external device. The external device may be, for example, a server (not shown), the first user terminal 100, the second user terminal 200, and a financial institution (payment system) 400 (see FIG. 3) described later.
In addition, the output control unit 319 may control the storage unit 322 to store information on the processing result of each unit of the information processing device (for example, the determination result of the determination unit, etc.).
Also, the output control unit 319 may control the display unit 323 to display the processing results of each unit of the information processing apparatus (for example, the determination result of the determination unit, etc.).

Next, with reference to FIGS. 2 and 3, an example of time-series processing of each unit (each functional block) described above will be described.
FIG. 3 is a diagram illustrating an example of time-series processing of each unit that configures the information processing apparatus 300 .

The second user terminal 200, for example, transmits billing information to the information processing device 300 based on the operation of the second user (step ST101).
The second user charges the first user, for example, when the first user purchases a product or when the first user receives a service. The second user terminal 200 generates billing information for billing the first user.
The billing information may include, for example, information on the first user to be billed and the billing amount. The information of the first user includes, for example, billing number, customer (billing destination) code, customer name (billing destination name), billing department name, address, address, telephone number, e-mail address, credit card information, bank account, etc. Information or the like that can identify the first customer (first user) may also be used.

The third reception unit 314 of the information processing device 300 receives billing information.

The registration unit 315 of the information processing device 300 registers the billing information received by the third reception unit 314 .

The billing unit 316 of the information processing device 300 bills the first user for payment based on the billing information (step ST102).
In this case, the billing unit 316 may bill the first user each time billing information is received. Alternatively, the billing unit 316 aggregates the billing information for the same first user for each predetermined period, and after the predetermined period has passed (predetermined timing), collects the bills based on the plurality of billing information into one. It may be performed for the first user.

The first user terminal 100, for example, based on the operation of the first user, transmits to the information processing apparatus 300 application information indicating that the second user wishes to make a proxy payment (step ST103).
The application information may include, for example, information about the first user, and may include information about the billed amount. The information of the first user may be, for example, information that can identify the first user and the billing content. The first user's information may include, for example, the first user's information included in the billing information. As a specific example, the information of the first user includes payment timing (payment timing), billing number, customer (billing destination) code, customer name (billing destination name), billing department name, address, address, It may include information such as phone numbers, email addresses, credit card information, bank accounts, and the like.

The first reception unit 312 of the information processing device 300 receives application information related to a payment proxy application from the first user.

The determination unit 317 of the information processing device 300 determines whether or not the proxy payment to the second user is possible based on the application information received by the first reception unit 312 and the billing information registered by the registration unit 315 .

The determination unit 317 identifies a request for which proxy payment is determined based on, for example, the request number recorded in the application information and the request number recorded in the request information. Further, for example, if the first user has used the information processing apparatus 300 in the past, the determination unit 317 refers to the credit information based on the payment status of the price by the first user at that time, etc., and sends the information to the second user. It may be determined whether or not the proxy payment is possible. Credit information when the first user used the information processing device 300 in the past is, for example, information processing device 300 (for example, stored 322, etc.) and information on reconciliation of the claim. Further, for example, when the credit information of the first user to whom the payment is to be billed is transmitted from the second user terminal 200, the determination unit 317 refers to the credit information and determines whether or not the proxy payment to the second user is possible. You can judge.

Further, the determination unit 317 may determine the timing of payment from the first user to the information processing apparatus 300 according to the payment timing recorded in the application information and the credit of the first user, for example. The timing of payment may be, for example, the above-described “predetermined period” when the second reception unit 313 receives payment from the first user. In this case, if the credit of the first user is relatively high, the determination unit 317 may relatively lengthen the timing (period until payment) of the payment from the first user to the information processing apparatus 300 . On the other hand, if the credit of the first user is relatively low, the determination unit 317 may relatively shorten the timing (period until payment) of the payment from the first user to the information processing apparatus 300 .

For example, the determination unit 317 determines the timing of payment from the first user to the information processing device 300 by cooperating with the payment system 400 owned by a credit company or the like, thereby determining the timing of credit (authorization) and the timing of actual payment processing. By delaying , the cycle may exceed the general credit card payment cycle.

Payment unit 318 of information processing apparatus 300 makes a proxy payment to the second user instead of the first user based on the application information (step ST104). The payment unit 318 may make payment to the second user when the determination unit 317 determines that the proxy payment is possible.
Here, the payment unit 318 may make a proxy payment to the second user via the financial institution 400 . At this time, the payment unit 318 may, for example, remit the amount requested in the billing information from the bank account of the company that owns the information processing device 300 to the bank account of the second user.

The billing unit 316 of the information processing device 300 bills the first user, for example, the sum of the amount billed in the billing information (billing amount) in step ST101 and the fee for the proxy payment in step ST104 (step ST105).
In this case, the billing unit 316, for example, the payment period recorded in the application information, or a predetermined When the period has passed, the first user may be billed for the sum of the billed amount and the fee. In this case, billing section 316 may use credit card settlement based on the first user's credit card information recorded in the application information (step ST106). That is, the billing unit 316 may receive payment of the total amount from the first user using the payment system 400 of the credit card owned by the first user.

The second accepting unit 313 of the information processing device 300 accepts payment using a credit card from the first user. That is, for example, when the payment is made by the payment system 400 of the credit card owned by the first user, the second reception unit 313 may receive a notification that the payment has been made from the payment system 400. .

It should be noted that the financial institution for the proxy payment in step ST104 and the financial institution (credit card company) owning the credit card settlement system for the payment in step ST106 may be the same or different. good.

[Information processing method]
Next, an information processing method according to one embodiment will be described.
FIG. 4 is a flowchart for explaining an information processing method according to one embodiment.

In step ST201, the third reception unit 314 receives billing information for the first user from the second user (eg, the second user terminal 200, etc.). The registration unit 315 registers billing information received by the third receiving unit 314, including information on the first user to be billed and the billing amount.

In step ST202, billing section 316 bills the first user (eg, first user terminal 100, etc.) for payment based on the billing information received in step ST201.

In step ST203, the first reception unit 312 receives application information from the first user (eg, the first user terminal 100, etc.). That is, the first reception unit 312 may receive application information from the first user (eg, the first user terminal 100 or the like) in response to the request for payment in step ST202.

In step ST204, the determination section 317 determines whether or not the first user can make a payment on behalf of the second user based on the application information received in step ST203 and the billing information registered in step ST201. For example, the determination unit 317 may determine whether the proxy payment is possible based on various types of information including credit information of the first user. Further, the determination unit 317 determines the timing (predetermined period) of payment from the first user to the information processing device 300 according to the payment timing recorded in the application information and the credit of the first user, for example. may

In step ST205, the payment unit 318 makes payment to the second user instead of the first user based on the application information received in step ST203 (proxy payment). In this case, the payment section 318 may pay the second user, for example, if it is determined in step ST204 that proxy payment is possible.

In step ST206, billing unit 316 adds the fee for proxy payment to the billing amount included in the billing information registered in step ST201 (the amount of proxy payment in step ST205), Bill the first user. The predetermined period may be, for example, the payment timing recorded in the application information, or the period during which the first user pays the information processing device 300 (the timing determined by the determination unit 317).
In this case, the billing unit 316 may use credit card settlement based on credit card information (credit card information) owned by the first user. That is, the billing unit 316 may receive payment of the total amount from the first user using the payment system 400 of the credit card owned by the first user.
Here, the second receiving unit 313 may receive from the first user a payment using a credit card corresponding to the amount of payment to the second user in response to the billing of the first user by the billing unit 316. good.

Each unit of the information processing apparatus 300 described above may be implemented as a function of an arithmetic processing unit of a computer. That is, the first reception unit 312, the second reception unit 313, the third reception unit 314, the registration unit 315, the billing unit 316, the determination unit 317, the payment unit 318, and the output control unit 319 (control unit 311) of the information processing device 300 may be implemented as a first reception function, a second reception function, a third reception function, a registration function, a billing function, a determination function, a payment function, and an output control function (control function) by an arithmetic processing unit of a computer, etc. .
The information processing program can cause the computer to implement each function described above. The information processing program may be recorded in a non-temporary computer-readable recording medium such as a memory, solid state drive, hard disk drive, or optical disk. A recording medium may also be called a non-transitory computer-readable medium, for example.
Further, as described above, each part of the information processing device 300 may be realized by an arithmetic processing device of a computer or the like. The arithmetic processing unit or the like is configured by an integrated circuit or the like, for example. Therefore, each part of the information processing device 300 may be implemented as a circuit that constitutes an arithmetic processing device or the like. That is, the first reception unit 312, the second reception unit 313, the third reception unit 314, the registration unit 315, the billing unit 316, the determination unit 317, the payment unit 318, and the output control unit 319 (control unit 311) of the information processing device 300 may be realized as a first reception circuit, second reception circuit, third reception circuit, registration circuit, billing circuit, determination circuit, payment circuit, and output control circuit (control circuit) that constitute an arithmetic processing unit of a computer, etc. good.
Also, the communication unit 321, the storage unit 322, and the display unit 323 (output unit) of the information processing device 300 may be implemented as, for example, a communication function including functions of an arithmetic processing unit, a storage function, and a display function (output function). good. Further, the communication unit 321, the storage unit 322, and the display unit 323 (output unit) of the information processing device 300 are realized as a communication circuit, a storage circuit, and a display circuit (output circuit) by being configured by an integrated circuit or the like, for example. may Further, the communication unit 321, the storage unit 322, and the display unit 323 (output unit) of the information processing device 300 are configured as a communication device, a storage device, and a display device (output device) by being configured by a plurality of devices, for example. may

The information processing apparatus 300 can combine one or any of the plurality of units described above.
Although the term "information" is used in this disclosure, the term "information" can be interchanged with "data" and the term "data" can be interchanged with "information."

[Aspects and effects of the present embodiment]
Next, one aspect of the present embodiment and effects produced by each aspect will be described. In addition, each aspect described below is an example at the time of filing, and this embodiment is not limited to the aspect described below. That is, the present embodiment is not limited to each aspect described below, and may be realized by appropriately combining the respective units described above. In addition, any of the higher-level aspects may refer to any of the lower-level aspects.
Also, the effects described below are merely examples, and the effects of each aspect are not limited to those described below. Moreover, each aspect may have at least one effect described below, for example.

(Aspect 1)
An information processing device according to one aspect includes a first reception unit that receives application information related to a payment proxy application from a first user; a payment unit that pays a second user based on the application information received by the first reception unit; a second reception unit that receives payment from the first user using a credit card according to the amount of payment to the second user when a predetermined period of time has elapsed since the payment was made by the payment unit.
As a result, the information processing apparatus first makes a payment to the second user on behalf of the first user and then receives the payment from the first user, so that the timing of the payment by the first user can be delayed. can be done.

In addition, the information processing device has a click flow within the proxy payment system of the present embodiment, and by using the proxy payment system, it becomes possible to link payment and lending models. payment can be expedited.
In addition, since the information processing device can be provided, for example, as a cloud service, it is possible to complete the processing of the proxy payment with a generally available terminal such as a smartphone, and the payment can be made at flexible timing. You can improve your cash flow.
In addition, since the information processing device digitizes the payment, it is possible to hold the statement in the proxy payment system, and it can also have the aspect of DX (Digital Transformation), which makes settlement processing and accounting processing smoother. .
In addition, the information processing device performs offsetting of bonds and liabilities (for example, factoring, ) and offsetting any bonds, you can control the actual cash out.

(Aspect 2)
An information processing apparatus according to one aspect includes: a third reception unit that receives billing information relating to a billing request for payment from a second user to a first user; a billing unit for the first user, and the first reception unit may receive application information in response to a payment request made by the billing unit.
Accordingly, the information processing device can allow the first user to determine whether or not he/she wishes to make the payment on behalf of the first user based on the billing for the first user.

(Aspect 3)
An information processing apparatus according to one aspect includes a registration unit that registers billing information including information on a first user to be billed and a billing amount received by a third reception unit; and the billing information registered by the registration unit, the determination unit determining whether or not the first user can make a payment on behalf of the second user. If it is determined that the proxy payment is possible in , the payment may be made to the second user.
By comparing the billing information and the application information, the information processing device can identify the bill for which the proxy payment is to be made, and can determine whether or not the proxy payment is possible.
That is, the information processing device can determine the possibility of delay in payment, credit risk, and the like before performing card payment processing for the first user, and can determine whether proxy payment can be used.

In addition, in the information processing apparatus, the amount of information regarding the billing to the first user and the amount of information regarding the clearing based on the first user's payment in response to the billing increases relatively. The information processing device (for example, a control unit such as a determination unit) can, for example, collect billing information for each billing user (for example, a company), so AI (Artificial Intelligence) (for example, machine learning and By using deep learning, etc.), it is possible to analyze by industry, unit price, company size, etc., and instantly determine risk.
In addition, the information processing device (for example, the control unit such as the determination unit), for example, relatively increases the accuracy of the analysis using the above-mentioned AI, so that the company owning the information processing device (company making proxy payment) is relatively reduced, and the advance payment amount (agency payment amount) may be determined according to the degree of risk. In this case, the information processing device can issue a payment instruction to the bank via an API (Application Programming Interface) and make immediate payment. In addition, the information processing device (for example, the control unit such as the determination unit) sets the proxy payment to the second user or the payment by the first user to payment in installments or the like, for example, according to the AI analysis result. good too.
In addition, the information processing device (for example, a control unit such as a determination unit) acquires a plurality of pieces of information (for example, the first user's credit information, etc.) provided by an external research company, and accumulates them in time series. By doing so, it becomes possible to analyze other than the user's (target company's) invoice.
In addition, the information processing device (for example, the control unit such as the determination unit) uses, for example, information related to payment in the settlement business, trouble information, etc. may be determined.

(Aspect 4)
In one aspect of the information processing device, the billing unit may bill the first user for the sum of the billing amount included in the billing information registered by the registration unit and the commission for the proxy payment.
Thereby, the information processing device can charge the first user for an appropriate fee when paying on behalf of the user.

(Aspect 5)
In one aspect of the information processing method, the computer performs a first receiving step of receiving application information related to a payment proxy application from a first user, and a payment of making a payment to a second user based on the application information received by the first receiving step. and a second receiving step of receiving payment using a credit card from the first user according to the amount of payment to the second user when a predetermined period has passed since the payment was made in the payment step.
Accordingly, the information processing method can achieve the same effect as the information processing apparatus of one aspect described above.

(Aspect 6)
An information processing program according to one aspect provides a computer with a first reception function for receiving application information related to a payment proxy application from a first user, and a payment for making a payment to a second user based on the application information received by the first reception function. A function and a second reception function for accepting payment using a credit card from the first user according to the amount of payment to the second user when a predetermined period has elapsed after payment is made by the payment function.
Accordingly, the information processing program can achieve the same effect as the information processing apparatus of one aspect described above.

100 First user terminal 200 Second user terminal 300 Information processing device 311 Control unit 312 First reception unit 313 Second reception unit 314 Third reception unit 315 Registration unit 316 Billing unit 317 Judgment unit 318 Payment unit 319 Output control unit 321 Communication Unit 322 Storage unit 323 Display unit 400 Financial institution (payment system)

Claims (6)

a first reception unit that receives application information related to a payment proxy application from a first user;
A payment unit that pays the second user based on the application information received by the first reception unit;
a second reception unit that receives payment from the first user using a credit card according to the amount of payment to the second user when a predetermined period has elapsed since the payment was made by the payment unit;
a third reception unit that receives billing information regarding billing from the second user to the first user;
a registration unit for registering billing information including information on the first user to be billed and the billing amount received by the third reception unit;
The information processing device acquires the credit information of the first user in chronological order, and based on the application information including the information of the first user received by the first reception unit and the billing information registered by the registration unit , and a determination unit that determines whether or not to allow proxy payment from the first user to the second user,
The determination unit refers to the credit information by the first user based on at least the payment status of the price, and when the first user's credit is relatively high, compared to when the first user's credit is relatively low and an information processing device that lengthens the predetermined period. a billing unit that bills the first user for payment based on the billing information when the billing information is received by the third reception unit;
The information processing apparatus according to claim 1, wherein the first reception unit receives application information in response to a payment request made by the billing unit. 3. The information processing apparatus according to claim 2, wherein the payment unit makes payment to the second user when the determination unit determines that the payment on behalf of the user is permitted. 4. The information processing apparatus according to claim 3, wherein the billing unit bills the first user for the sum of the billing amount included in the billing information registered by the registration unit and a proxy payment fee. the computer
a first receiving step of receiving billing information regarding billing from the second user to the first user;
a registration step of registering billing information including information on the first user to be billed and the billing amount received by the first receiving step;
a second receiving step of receiving application information related to a payment proxy application from a first user;
The information processing device acquires the credit information of the first user in chronological order, and based on the application information including the information of the first user received by the second receiving step and the billing information registered by the registering step , a determination step of determining whether or not the proxy payment from the first user to the second user is possible;
a payment step of paying the second user based on the application information received by the second receiving step;
a third receiving step of receiving payment from the first user using a credit card according to the amount of payment to the second user when a predetermined period of time has elapsed since the payment was made in the payment step;
The determination step refers to the credit information by the first user based on at least the payment status of the price, and when the first user's credit is relatively high, compared to when the first user's credit is relatively low and an information processing method for lengthening the predetermined period. to the computer,
a first reception function for receiving application information related to a payment proxy application from a first user;
a payment function for paying a second user based on the application information received by the first reception function;
a second reception function for accepting payment from the first user using a credit card in accordance with the amount of payment to the second user when a predetermined period of time has elapsed since the payment was made using the payment function;
a third reception function for receiving billing information regarding billing for payment from the second user to the first user;
a registration function for registering billing information including information on the first user to be billed and the billing amount received by the third reception function;
The information processing device acquires the credit information of the first user in chronological order, and based on the application information including the information of the first user received by the first reception function and the billing information registered by the registration function , and a judgment function for judging whether or not the first user can make a payment on behalf of the second user,
The determination function refers to the credit information by the first user based on at least the payment status of the price, and when the first user's credit is relatively high, compared to when the first user's credit is relatively low and an information processing program for lengthening the predetermined period.

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