JP7353457B1 - Information processing device, information processing method and program - Google Patents

Abstract

An object of the present invention is to increase the credit amount while stimulating the user's desire to purchase a specific product. [Solution] User identification information of a user who makes a payment using a deferred payment service, one or more products purchased by the user, and the actual payment amount paid for purchasing each of the one or more products. a storage unit 12 that stores associated performance information; a reception unit 131 that accepts a payment request including the user identification information of the user requesting payment, the details of the product to be purchased, and the payment amount; If the sum of the payment amount and the actual payment amount exceeds the usage setting amount, the payment amount included in the payment request is a specific product of a predetermined type of product out of the actual payment amount. Information having a determination unit 132 that determines a first condition that the total amount of actual payments made to purchase the item exceeds the total amount, and a payment processing unit 133 that processes the payment if the first condition is not satisfied. This is a processing device 1. [Selection diagram] Figure 2

Description

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

There is a known technology for flexibly managing the payment limit by determining whether or not to permit the transaction based on the content of the product when a transaction exceeding the payment limit is accepted in electronic commerce ( For example, see Patent Document 1).

JP2013-250822A

Although the conventional technology improves convenience for users, there is a problem in that it does not lead to sales of products that businesses want to promote.

The present invention has been made in view of these points, and it is an object of the present invention to enable users to increase their credit amount while stimulating their desire to purchase a specific product.

In the information processing device according to the first aspect of the present invention, user identification information of a user who makes a payment using a deferred payment service, and one or more products purchased by the user using the payment service in a predetermined period, Stores performance information that associates the actual payment amount paid for purchasing each of one or more products, and associates user identification information with the usage setting amount set for the user indicated by the user identification information. a storage unit that stores user information that has been submitted, a reception unit that accepts a payment request that includes user identification information of a user requesting payment, details of the product to be purchased, and a payment amount, and a payment amount that is included in the payment request. and the payment performance amount associated in the performance information with the user identification information included in the payment request, and the usage setting amount associated in the user information with the user identification information included in the payment request. If the amount exceeds the amount, the payment amount included in the payment request is for a predetermined specific type of product among the payment performance amounts associated in the performance information with the user identification information included in the payment request. a determination unit that determines a first condition that the total amount of actual payments made to purchase the product is exceeded; and a determination unit that determines that the payment request indicates that the first condition is not satisfied. and a payment processing unit that processes payments.

The determination unit (1) determines that the sum of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request is included in the payment request. (2) when the usage amount associated with the user identification information in the user information is exceeded, and (2) the product included in the payment request accepted by the reception unit is not the specific product; , the first condition may be determined.

The determination unit further includes a method for purchasing a product other than the specific product from among the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request. and a second condition that the sum of the actual payment amounts paid in the payment request exceeds the usage setting amount associated with the user identification information included in the payment request in the user information, and The processing unit may process the payment indicated by the payment request when the determination unit does not satisfy either the first condition or the second condition.

The first condition is that the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request are for purchasing a product other than the specific product. The total amount of the actual payment amount that has been paid is the amount of payment made to purchase the specific product out of the actual payment amount that is associated in the performance information with the user identification information included in the payment request. The amount may exceed the total amount of actual results.

The determination unit determines not to permit the payment indicated by the payment request if the payment determined to not satisfy the first condition has been processed a predetermined number of times or more for the user indicated by the user identification information included in the payment request. You may judge.

The determination unit may include the performance record in the payment amount included in the payment request and the user identification information included in the payment request when the product included in the payment request received by the reception unit is the specific product. The total amount of payment results associated with the information, including the payment results for purchasing the specific product, exceeds the usage limit set for purchasing the specific product. The payment processing unit may be configured not to process the payment indicated by the payment request when the determination unit determines that the third condition is satisfied.

The determining unit determines that the sum of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request is the user identification information included in the payment request. exceeds the usage setting amount associated with the user information, the payment processing unit determines whether the payment amount included in the payment request received by the reception unit is equal to or greater than a predetermined threshold, and The determination unit may be configured not to process the payment indicated by the payment request if the determination unit determines that the payment amount included in the payment request is equal to or greater than a predetermined threshold.

When the payment processing unit processes the payment indicated by the payment request, the sum of the payment amount included in the payment request and the payment performance amount associated with the user identification information included in the payment request in the performance information. If the total of The information may be notified to the information terminal of the user indicated by the included user identification information.

When the payment processing unit processes the payment indicated by the payment request, the sum of the payment amount included in the payment request and the payment performance amount associated with the user identification information included in the payment request in the performance information. If the total of Information for selecting whether to delay all payment periods may be notified to the information terminal of the user indicated by the user identification information included in the payment request.

The payment processing unit further includes an acquisition unit that acquires information indicating the rank of the user indicated by the user identification information included in the payment request, and the payment processing unit determines that the first condition is not satisfied, and the payment processing unit The payment indicated by the payment request may be processed when the rank of the user indicated by the user identification information included in the request is a predetermined rank.

The specific product may be a product or service provided by a business that provides the predetermined deferred payment payment service or a business that has a predetermined relationship with the business.

In the information processing method of the second aspect of the present invention, the step of accepting a payment request including user identification information of a user requesting payment, details of the product to be purchased, and payment amount, executed by the computer; User identification information of a user who made a payment using a deferred payment service during a predetermined period, one or more products purchased by the user, and the actual amount of payment made to purchase each of the one or more products; (1) in response to the payment request; The sum of the included payment amount and the payment performance amount associated in the performance information with the user identification information included in the payment request is the sum of the payment amount associated with the user identification information included in the payment request in the user information. If the usage amount exceeds the set usage amount, and (2) the product included in the payment request accepted by the reception unit is not a specific product that is a predetermined specific type of product, The payment amount included in the payment request is the total amount of the payment results for purchasing the specific product among the payment results associated with the user identification information included in the payment request in the performance information. The method includes a step of determining whether the amount exceeds the amount, and a step of processing the payment indicated by the payment request when it is determined in the determining step that the amount does not exceed the amount.

The program according to the third aspect of the present invention includes the step of having the computer receive a payment request including user identification information of a user requesting payment, details of the product to be purchased, and payment amount; A track record of associating the user identification information of a user who made a payment using a deferred payment service, one or more products purchased by the user, and the actual payment amount paid to purchase each of the one or more products. (1) the payment amount included in the payment request; and the payment performance amount associated in the performance information with the user identification information included in the payment request, and the usage setting amount associated in the user information with the user identification information included in the payment request. and (2) the product included in the payment request received by the reception unit is not a specific product that is a predetermined specific type of product. out of the actual payment amounts associated in the performance information with the user identification information included in the payment request, exceeds the total amount of actual payment amounts paid for purchasing the specific product. and a step of processing the payment indicated by the payment request if it is determined in the determining step that the payment amount is not exceeded.

In the information processing device according to the fourth aspect of the present invention, user identification information of a user who makes a payment using a deferred payment service, and one or more products purchased by the user using the payment service during a predetermined period, Stores performance information that associates the actual payment amount paid for purchasing each of one or more products, and associates user identification information with the usage setting amount set for the user indicated by the user identification information. a storage unit that stores user information that has been requested; a reception unit that accepts a payment request that includes user identification information of a user requesting payment; details of the product to be purchased; and a payment amount; The sum of the payment amount associated with the user identification information included in the payment request in the performance information and the payment performance amount associated with the user identification information included in the payment request in the user information If the set amount is exceeded, and (2) the product included in the payment request received by the reception unit is not a specific product that is a predetermined specific type of product, the payment The sum of the payment amount included in the request and the payment performance amount associated with the user identification information included in the payment request in the performance information, which was paid for purchasing a product other than the specific product. a determination unit that determines whether the total amount exceeds the usage setting amount associated in the user information with the user identification information included in the payment request, and when the determination unit determines that the total does not exceed and a payment processing unit that processes the payment indicated by the payment request.

According to the present invention, it is possible to increase the credit amount while stimulating the user's desire to purchase a specific product.

FIG. 2 is a diagram illustrating an overview of processing in the information processing device 1 according to the embodiment. 1 is a block diagram showing the configuration of an information processing device 1. FIG. 3 is a diagram showing an example of a data structure of performance information stored in a storage unit 12. FIG. 3 is a diagram showing an example of a data structure of user information stored in a storage unit 12. FIG. FIG. 2 is a diagram illustrating an overview of processing in the information processing device 1 according to the embodiment. FIG. 2 is a diagram illustrating an overview of processing in the information processing device 1 according to the embodiment. 3 is a diagram illustrating an example of information notified by a notification unit 134. FIG. 3 is a flowchart showing the flow of processing in the information processing device 1. FIG.

<First embodiment>
[Overview of information processing device 1]
FIG. 1 is a diagram illustrating an overview of processing in the information processing device 1 according to the embodiment. The information processing device 1 is a device for providing payment services. In the information processing device 1, a predetermined deferred payment payment service is provided. A predetermined deferred payment payment service is a payment service that charges a sum of periodic charges for service usage fees such as communication charges, and the amount used for product sales, content sales, etc. during a predetermined period. It is. As an example, the information processing device 1 is, for example, a server. The information processing device 1 is communicably connected to an information terminal operated by a user via a network.

The information processing device 1 accepts a payment request. The payment request is a message indicating that the user requests payment for the product. The payment request includes a user ID (Identification) indicating the user, the product to be purchased, and the payment amount. The payment request may include the product ID of the product to be purchased and the quantity of the product.

The information processing device 1 refers to performance information associated with the user and obtains the user's payment performance. The performance information includes products purchased by the user and payment performance amounts paid to purchase the products.

The information processing device 1 determines whether the sum of the payment amount included in the payment request and the payment performance amount indicated by the performance information exceeds the user's usage setting amount ((a) in FIG. 1). The usage setting amount is the upper limit amount that can be used for the payment service set for the user. If the sum of the payment amount included in the payment request and the performance amount indicated by the performance information does not exceed the user's usage setting amount, the information processing device 1 processes the payment based on the acquired payment request.

If the sum of the payment amount included in the payment request and the payment performance amount indicated by the performance information exceeds the usage setting amount of the user, the information processing device 1 selects a specific product from the payment performance amount indicated by the performance information. Calculate the total amount of actual payments made for the purchase. The specific product is a product that serves as a standard for the payment amount that allows payments that exceed the usage setting amount. The specific product is, for example, a product or service provided by a business that provides a predetermined deferred payment payment service (hereinafter referred to as a payment business) or a business that has a predetermined relationship with the business. For example, if the payment provider is a communications carrier, the specific product is a communications service. Products other than specified products are products or services provided by entities other than payment service providers, etc., and when a product other than specified products is paid, the payment service provider receives a commission from the business that sells the product. . Note that, since the specified product is a product etc. provided by a payment service provider, etc., the risk that the payment service provider, etc. bears in the event that a debt cannot be collected may be lower than products other than the specified product.

The information processing device 1 determines that the payment amount included in the payment request does not exceed the total amount of payment results for purchasing a specific product among the payment results indicated by the performance information (Figure 1 (b)). If the payment amount included in the payment request does not exceed the total amount of actual payment amounts paid for purchasing a specific product among the actual payment amounts indicated by the performance information, the information processing device 1 performs the payment based on the payment request. process. If the payment amount included in the payment request exceeds the total amount of actual payment amounts paid for purchasing a specific product among the actual payment amounts indicated by the performance information, the information processing device 1 performs the payment based on the payment request. No processing is performed, and an error message is sent to the user's information terminal.

By configuring the information processing device 1 in this way, it is possible to increase the credit amount while stimulating the user's desire to purchase a specific product.

[Configuration of information processing device 1]
FIG. 2 is a block diagram showing the configuration of the information processing device 1. As shown in FIG. The information processing device 1 includes a communication section 11, a storage section 12, and a control section 13. The control unit 13 includes a reception unit 131 , a determination unit 132 , a payment processing unit 133 , a notification unit 134 , and an acquisition unit 135 .

The communication unit 11 is a communication interface for transmitting and receiving data to and from other devices via a network. The storage unit 12 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), an SSD (Solid State Drive), a hard disk drive, and the like. The storage unit 12 stores in advance a program to be executed by the control unit 13.

The storage unit 12 stores user identification information of a user who makes a payment using a deferred payment service, one or more products purchased by the user using the payment service during a predetermined period, and information about the payment information for purchasing each of the one or more products. The payment history information associated with the payment history amount is stored.

FIG. 3 is a diagram showing an example of the data structure of performance information stored in the storage unit 12. In the performance information shown in FIG. 3, "transaction ID", "user ID", "product", "settlement performance amount", and "settlement date" are associated. "Transaction ID" is an ID for identifying a processed payment. "User ID" is a user ID indicating the user who made the payment. “Product” indicates the product purchased by the user in the payment. A "product" is expressed, for example, by a product ID for identifying the product. “Product” may include the quantity of the purchased product. Further, the "product" may have a flag indicating whether it is a specific product or a product other than the specific product. The “actual payment amount” indicates the amount of payment made to purchase the product. “Settlement date” indicates the date or time when the payment was made.

The storage unit 12 stores a product table that associates a product ID with a flag indicating whether the product is a specific product. The storage unit 12 stores user information in which user identification information is associated with a usage setting amount set for the user indicated by the user identification information. FIG. 4 is a diagram showing an example of the data structure of user information stored in the storage unit 12. In the user information shown in FIG. 4, a "user ID" and a "usage setting amount" are associated. “Usage setting amount” indicates the credit amount set for the user.

Note that the track record information and user information may be stored in an external device (not shown). In this case, the acquisition unit 135 acquires the user's performance information and user information included in the payment request, based on the payment request accepted by the reception unit 131.

The control unit 13 is, for example, a processor such as a CPU (Central Processing Unit). The control unit 13 functions as a reception unit 131 , a determination unit 132 , a payment processing unit 133 , a notification unit 134 , and an acquisition unit 135 by executing a program stored in the storage unit 12 .

The reception unit 131 receives a payment request including user identification information of a user requesting payment, details of the product to be purchased, and payment amount. The receiving unit 131 receives a payment request from an information terminal used by a user. The information processing device 1 may receive a payment request from a terminal installed in a store, such as a POS register.

The determining unit 132 determines whether the sum of the payment amount included in the payment request and the payment performance amount associated with the user identification information included in the payment request in the performance information is determined in the user information included in the user identification information included in the payment request. Determine whether the associated usage setting amount is exceeded. The determination unit 132 refers to the performance information stored in the storage unit 12 and calculates the sum of the payment amount included in the payment request and the total amount of the user's payment performance in a predetermined period indicated by the performance information. . The predetermined period is, for example, a period during which the user has not completed payment of the purchase price at the time the payment request is obtained.

If the sum of the payment amount included in the payment request and the actual payment amount exceeds the usage setting amount of the user, the determination unit 132 determines that the payment amount included in the payment request is determined by the user identification included in the payment request. Whether or not the total amount of payment results associated with the information in the performance information exceeds the total amount of payment results for purchasing a specific product that is a predetermined specific type of product (hereinafter referred to as (sometimes referred to as the first condition). Specifically, the determination unit 132 identifies the actual payment amount associated with the specific product from among the actual payment amounts associated with the user in the acquired performance information. As an example, the determination unit 132 refers to the product table stored in the storage unit 12 and identifies the payment performance amount associated with a specific product among the payment performance amounts associated with the user in the performance information. The determination unit 132 calculates the total amount of payment results associated with the identified specific product. The determination unit 132 compares the payment amount included in the payment request and the calculated total amount of payment history associated with the specific product, and determines the first condition.

When the payment processing unit 133 and the determination unit 132 determine that the first condition is not satisfied (does not exceed), the payment indicated by the payment request is processed. Note that the payment processing unit 133 does not process the payment based on the payment request when the determination unit 132 determines that the first condition is satisfied (exceeded). In this case, the notification unit 134 transmits an error message indicating that the payment based on the payment request was not processed to the information terminal of the user who requested the payment.

By configuring the information processing device 1 in this way, it is possible to increase the credit amount while stimulating the user's desire to purchase a specific product.

The information processing device 1 may be configured to determine the first condition when paying for a product other than the specific product when the sum of the payment amount and the actual payment amount exceeds the usage setting amount. By configuring the information processing device 1 in this way, it is possible to motivate payment for a specific product, and to keep the amount that can be paid in excess of the usage setting amount within a certain range, and to You can control the risks you take.

Specifically, the determination unit 132 determines the first condition when the following two conditions are satisfied. The first condition is that the sum of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request is the same as the user identification information included in the payment request. Exceeding the usage threshold associated with the information. The second condition is that the product included in the payment request accepted by the reception unit 131 is not a specific product. As an example, the determination unit 132 refers to the product table stored in the storage unit 12 and determines whether the product included in the payment request is a specific product.

When the first condition is satisfied, the information processing device 1 may be configured to process the payment when the sum of the payment amount and the payment amount for products other than the specific product does not exceed the usage setting amount. By configuring the information processing device 1 in this way, it is possible to motivate the user to purchase a specific product while controlling the risk that the payment provider will take if the debt cannot be collected.

Specifically, the determination unit 132 determines whether the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request are used in order to purchase a product other than the specific product. Determine whether the total amount of the actual payment amount exceeds the usage setting amount associated with the user identification information included in the payment request in the user information (hereinafter referred to as the second condition). do. An overview of the determination process in this case is shown in FIG. The determination unit 132 refers to the product table stored in the storage unit 12, identifies the payment performance amount associated with a product other than the specific product from among the payment performance amount indicated by the performance information, and associates it with the product other than the specific product. The total amount of the actual payment amount is calculated (“Other actual payment amount” in FIG. 5). The determination unit 132 determines the second condition based on the sum of the payment amount included in the payment request and the calculated total amount, and the usage setting amount of the user indicated by the user information. The payment processing unit 133 processes the payment indicated by the payment request when the determination unit 132 does not satisfy (do not exceed) either the first condition or the second condition.

The information processing device 1 may be configured to process a payment that exceeds the usage setting amount when the sum of the payment amount and the payment amount for products other than the specific product does not exceed the actual payment amount for the specific product. With this configuration, the risk of providing payment services can be reduced.

In this case, the first condition is that out of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request, the payment is made to purchase a product other than the specific product. The sum of the total amount of actual payment amounts paid for purchasing a specific product among the actual payment amounts associated in the performance information with the user identification information included in the payment request. is to exceed.

FIG. 6 shows an overview of the processing of the determination unit 132 in this case. The determination unit 132 refers to the product table stored in the storage unit 12, and determines, among the payment performance amounts indicated by the performance information, the payment performance amounts associated with products other than the specific product and the payment performance amounts associated with the specific product. and identify. The determination unit 132 calculates the total amount of payment results associated with products other than the specific product. The determining unit 132 determines whether the sum of the payment amount included in the payment request and the calculated total amount exceeds the total amount of the payment history associated with the specific product. If the sum of the payment amount included in the payment request and the calculated total amount does not exceed the total amount of the actual payment amount associated with the specific product, the payment processing unit 133 processes the payment based on the payment request. .

By configuring the information processing device 1 to limit the number of times payments exceeding the usage setting amount are processed to a predetermined number or less, the risk of bad debt can be controlled.

The determination unit 132 determines that the payment indicated by the payment request is not permitted if the payment determined to not satisfy the first condition has been processed a predetermined number of times or more for the user indicated by the user identification information included in the payment request. . The predetermined number of times is a value set in consideration of user convenience. In this case, the storage unit 12 associates and stores the user ID and the number of times payments exceeding the usage setting amount have been processed in the user information, as an example. When the payment processing unit 133 processes a payment that the determination unit 132 determines does not satisfy the first condition, the payment processing unit 133 determines that the number of times the payment processing unit 133 has processed a payment exceeding the usage setting amount included in the user information stored in the storage unit 12 is: It is determined whether the number of times is greater than or equal to a predetermined number. If the number of times payments exceeding the usage setting amount have been processed is less than a predetermined number, payments based on the payment request are processed, and the number of times payments exceeding the usage amount have been processed is incremented. If the number of times payments exceeding the usage setting amount have been processed is equal to or greater than a predetermined number, the determining unit 132 determines not to process the payment based on the payment request, and the notification unit 134 notifies the user of an error message.

A usage upper limit for purchasing a specific product may be set. By configuring the information processing device 1 in this way, it is possible to control the upper limit of payments that exceed the usage setting amount, and it is possible to suppress the risk taken by the payment provider.

When the following conditions are met, the determination unit 132 determines whether the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request are used to purchase a specific product. It is determined whether the total amount of the actual payment amount exceeds the usage upper limit set for purchasing a specific product (hereinafter referred to as the third condition). The condition is that the product included in the payment request accepted by the reception unit 131 is a specific product. The maximum usage amount set for purchasing a specific product is a value that is set based on the user's creditworthiness and the amount of loss that the payment provider will incur in the event of a default, and is a value that is lower than the usage limit. is set. The payment processing unit 133 does not process the payment indicated by the payment request when the determination unit 132 determines that the third condition is satisfied (exceeded).

By setting a usage upper limit for the payment amount for a specific product, the information processing device 1 is configured so as not to process a high-value payment when the usage setting amount is exceeded, thereby reducing the risk taken by the payment provider. can.

The determining unit 132 determines whether the sum of the payment amount included in the payment request and the payment performance amount associated with the user identification information included in the payment request in the performance information is determined in the user information included in the user identification information included in the payment request. If the associated usage setting amount is exceeded, it is determined whether the payment amount included in the payment request accepted by the receiving unit 131 is equal to or greater than a predetermined threshold. Here, the predetermined threshold value is a value that is set based on the creditworthiness of the user and the magnitude of the loss that the payment provider will incur in the event of a default, and is set to a value that is lower than the usage setting amount. The payment processing unit 133 does not process the payment indicated by the payment request when the determination unit 132 determines that the payment amount included in the payment request is equal to or greater than a predetermined threshold.

When a payment that exceeds the usage setting is processed, a notification is sent to the information terminal used by the user, allowing the user to check the status of the usage amount.

When the payment processing unit 133 processes the payment indicated by the payment request, the sum of the payment amount included in the payment request and the total payment performance amount associated with the user identification information included in the payment request in the performance information exceeds the usage setting amount associated with the user identification information included in the payment request in the user information, the user identification information included in the payment request indicates information indicating that the usage setting amount has been exceeded. It further includes a notification unit 134 that notifies the user's information terminal. FIG. 7 is a diagram showing an example of information notified by the notification unit 134. The notification unit 134 may display the information shown in FIG. 7 on the user's information terminal when the payment processing unit 133 processes a payment that exceeds the usage setting amount. In the information notified by the notification unit 134, a message indicating that the usage setting amount has been exceeded is displayed, as well as a usage amount that has been paid and has not yet been paid. In the information shown in FIG. 7, by pressing the button B01 displayed as "Confirm usage details", the notification unit 134 may display a screen for checking the actual usage amount on the information terminal.

Furthermore, the information processing device 1 may be configured to present the user with the option of delaying payment, such as installment payment, when processing a payment that exceeds the usage setting amount.

When the payment processing unit 133 processes the payment indicated by the payment request, the notification unit 134 reports the sum of the payment amount included in the payment request and the payment performance amount associated with the user identification information included in the payment request in the performance information. If the sum of the amount and exceeds the usage setting amount associated with the user identification information included in the payment request in the user information, select whether to delay the payment timing of part or all of the actual payment amount. information to be sent to the information terminal of the user indicated by the user identification information included in the payment request. In the screen shown in FIG. 7, a button B02 displaying "Pay in installments" is further arranged. When the user operates the information terminal and presses button B02, the notification unit 134 may display a screen for selecting a payment record to be paid in installments.

Note that the payment performance amount for which payment is delayed may be the payment amount for a product for which the specific product indicated by the performance information was purchased. The payment amount for a specific product, which is a product provided by the company or a business with which it has a predetermined relationship, may have a relatively small risk compared to other products, and the information processing device 1 is configured in this way. By doing so, the risks borne by payment providers can be controlled.

By configuring the information processing device 1 to limit payment when the usage amount exceeds the set usage amount to users with high creditworthiness, it is possible to motivate users to purchase specific products while controlling the risk of bad debts. can.

The acquisition unit 135 acquires information indicating the rank of the user indicated by the user identification information included in the payment request. The acquisition unit 135 acquires user rank information from an external device (not shown). Rank information refers to information that classifies users into one of a plurality of categories based on their creditworthiness. Rank information is expressed, for example, as "gold", "silver", "bronze", etc.

The payment processing unit 133 processes the payment indicated by the payment request when it is determined that the first condition is not satisfied and the rank of the user indicated by the user identification information included in the payment request is a predetermined rank. . In the above example, the predetermined rank is that the user's rank is "gold". When determining that the first condition is not satisfied, the determining unit 132 determines whether the rank of the user included in the payment request is a predetermined rank. If the determining unit 132 determines that the user's rank is the predetermined rank, the payment processing unit 133 processes the payment based on the payment request.

[Flow of processing in information processing device 1]
FIG. 8 is a flowchart showing the flow of processing in the information processing device 1. The flowchart in FIG. 8 starts from the time when a payment request is obtained.

The reception unit 131 receives a payment request (S01). The determining unit 132 determines whether the sum of the payment amount included in the payment request and the payment performance amount indicated by the performance information exceeds the user's usage setting amount (S02). If the sum of the payment amount included in the payment request and the payment performance amount indicated by the performance information does not exceed the usage setting amount of the user (NO in S02), the payment processing unit 133 accepts the payment from the reception unit 131. The payment based on the payment request is processed (S06).

If the sum of the payment amount included in the payment request and the payment performance amount indicated by the performance information exceeds the usage setting amount of the user (YES in S02), the determination unit 132 determines whether the product included in the payment request It is determined whether or not it is a specific product (S03). If the product included in the payment request is a specific product (YES in S03), the payment processing unit 133 does not process the payment based on the payment request, but performs error processing (S07). An example of error processing is for the notification unit 134 to notify the information terminal of an error message indicating that the payment based on the payment request cannot be processed.

If the product included in the payment request is not a specific product (NO in S03), the determination unit 132 determines that the payment amount included in the payment request exceeds the payment performance amount for the specific product among the payment performance amounts indicated by the payment performance. It is determined whether or not (S04). If the payment amount included in the payment request exceeds the payment performance amount of the specific product among the payment performance amounts indicated by the payment performance (YES in S04), the payment processing unit 133 does not process the payment based on the payment request, Error processing is performed (S07).

If the payment amount included in the payment request does not exceed the payment performance amount for the specific product among the payment performance amounts indicated by the payment performance (NO in S04), the determination unit 132 determines whether the payment amount included in the payment request and the specific product It is determined whether the sum of the actual payment amount other than the above exceeds the usage setting amount (S05). If the total of the payment amount included in the payment request and the actual payment amount for items other than the specific product exceeds the usage setting amount (YES in S05), the determination unit 133 determines that the payment processing unit 133 Error processing is performed without processing the based payment (S07).

If the sum of the payment amount included in the payment request and the actual payment amount for items other than the specific product does not exceed the usage setting amount (NO in S05), the payment processing unit 133 processes the payment based on the payment request. (S06), the information processing device 1 ends the process.

[Effects of information processing equipment]
By configuring the information processing device 1 in this way, it is possible to increase the credit amount while stimulating the user's desire to purchase a specific product.

<Second embodiment>
In the above embodiment, an example was explained in which the first condition is determined when the sum of the payment amount and the total amount of the actual payment amount exceeds the usage setting amount. If the total amount exceeds the usage setting amount, the total amount of the payment amount and the total amount of the actual payment amount that was paid for purchasing a product other than the specified product. It may be configured to determine whether or not the usage amount exceeds the usage setting amount.

Specifically, when the following two conditions are met, the determination unit 132 selects one of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request. Determine whether the total amount of actual payment amounts paid for purchasing products other than specific products exceeds the usage setting amount associated in the user information with the user identification information included in the payment request. . The first condition in this case is that the sum of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request is the user identification information included in the payment request. Exceeding the usage threshold associated with the information in the user information. The second condition is that the product included in the payment request received by the reception unit 131 is not a specific product that is a predetermined specific type of product.

In other words, when the above two conditions are met, the determination unit 132 performs the determination process shown in FIG. It is determined that the sum of the amount and does not exceed the usage setting amount. If the determination unit 132 determines that the sum of the payment amount and the total amount of payment results associated with products other than the specific product among the payment performance amounts does not exceed the usage setting amount, the payment processing unit 133 processes payments based on payment requests.

By configuring the information processing device 1 as described above, it is possible for the user to easily understand whether or not a payment exceeding the usage setting amount is possible.

Furthermore, the present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Create a foundation for 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 can be made within the scope of the gist. be. For example, all or part of the device can be functionally or physically distributed and integrated into arbitrary units. In addition, new embodiments created by arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effects of the new embodiment resulting from the combination have the effects of the original embodiment.

1 Information processing device 11 Communication unit 12 Storage unit 13 Control unit 131 Reception unit 132 Determination unit 133 Payment processing unit 134 Notification unit 135 Acquisition unit

Claims (14)

User identification information of a user who makes a payment using a deferred payment service, one or more products purchased by the user through the payment service during a predetermined period, and payments made to purchase each of the one or more products. a storage unit that stores performance information in which the performance amount is associated with the performance amount, and stores user information in which the user identification information is associated with the usage setting amount set for the user indicated by the user identification information;
a reception unit that accepts a payment request including user identification information of a user requesting payment, details of the product to be purchased, and payment amount;
The sum of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request is determined in the user identification information included in the payment request in the user information. If the associated usage setting amount is exceeded, the payment amount included in the payment request is a predetermined amount out of the payment performance amount associated in the performance information with the user identification information included in the payment request. a determination unit that determines a first condition that the total amount of actual payments made to purchase a specific product that is a specific type of product is exceeded;
a payment processing unit that processes the payment indicated by the payment request when the determination unit determines that the first condition is not satisfied;
An information processing device having: The determination unit includes:
(1) The sum of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request is If the usage amount exceeds the amount associated with the user information, and
(2) If the product included in the payment request accepted by the reception unit is not the specific product,
determining the first condition;
The information processing device according to claim 1. The determination unit further includes a method for purchasing a product other than the specific product from among the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request. determining a second condition that the total amount of actual payment amounts paid in , exceeds the usage setting amount associated with the user identification information included in the payment request in the user information;
The payment processing unit processes the payment indicated by the payment request when the determination unit does not satisfy either the first condition or the second condition.
The information processing device according to claim 2. The first condition is that the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request are for purchasing a product other than the specific product. The total amount of the actual payment amount that has been paid is the amount of payment made to purchase the specific product out of the actual payment amount that is associated in the performance information with the user identification information included in the payment request. Exceeding the total amount of the actual amount,
The information processing device according to claim 2. The determination unit determines not to permit the payment indicated by the payment request if the payment determined to not satisfy the first condition has been processed a predetermined number of times or more for the user indicated by the user identification information included in the payment request. judge,
The information processing device according to any one of claims 1 to 4. The determination unit determines, when the product included in the payment request received by the reception unit is the specific product,
The sum of the payment amount included in the payment request and the payment performance amount associated with the user identification information included in the payment request in the performance information, which was paid for purchasing the specific product. Determine a third condition that the total of and exceeds the usage limit set for purchasing the specific product,
The payment processing unit does not process the payment indicated by the payment request when the determination unit determines that the third condition is satisfied.
The information processing device according to any one of claims 1 to 4. The determination unit includes:
The sum of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request is determined in the user identification information included in the payment request in the user information. If the associated usage setting amount is exceeded, determining whether the payment amount included in the payment request received by the reception unit is equal to or greater than a predetermined threshold;
The payment processing unit does not process the payment indicated by the payment request if the determination unit determines that the payment amount included in the payment request is greater than or equal to a predetermined threshold.
The information processing device according to any one of claims 1 to 4. When the payment processing unit processes the payment indicated by the payment request, the sum of the payment amount included in the payment request and the payment performance amount associated with the user identification information included in the payment request in the performance information. If the total of Notify the information terminal of the user indicated by the included user identification information;
The information processing device according to any one of claims 1 to 4. When the payment processing unit processes the payment indicated by the payment request, the sum of the payment amount included in the payment request and the payment performance amount associated with the user identification information included in the payment request in the performance information. If the total of Notifying the user's information terminal indicated by the user identification information included in the payment request of information for allowing the user to select whether to delay all payment timings;
The information processing device according to any one of claims 1 to 4. further comprising an acquisition unit that acquires information indicating the rank of the user indicated by the user identification information included in the payment request,
When the payment processing unit determines that the first condition is not satisfied and the rank of the user indicated by the user identification information included in the payment request is a predetermined rank, the payment processing unit processes the payment indicated by the payment request. process,
The information processing device according to any one of claims 1 to 4. The specific product is a product or service provided by a business that provides the deferred payment service or a business that has a predetermined relationship with the business.
The information processing device according to any one of claims 1 to 4. computer executes
accepting a payment request including user identification information of a user requesting payment, details of the product to be purchased, and payment amount;
User identification information of a user who made a payment using a deferred payment service during a predetermined period, one or more products purchased by the user, and the actual amount of payment made to purchase each of the one or more products; with reference to a storage unit that stores performance information that associates the user identification information with the usage setting amount set for the user indicated by the user identification information;
(1) The sum of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request is If the usage amount exceeds the amount associated with the user information, and
(2) If the product included in the payment request accepted in the accepting step is not a specific product that is a predetermined specific type of product,
The payment amount included in the payment request is the total amount of payment results for purchasing the specific product among the payment results associated with the user identification information included in the payment request in the performance information. a step of determining whether the
If it is determined in the determining step that the amount does not exceed the amount, processing the payment indicated by the payment request;
An information processing method having to the computer,
accepting a payment request including user identification information of a user requesting payment, details of the product to be purchased, and payment amount;
User identification information of a user who made a payment using a deferred payment service during a predetermined period, one or more products purchased by the user, and the actual amount of payment made to purchase each of the one or more products; with reference to a storage unit that stores performance information that associates the user identification information with the usage setting amount set for the user indicated by the user identification information;
(1) The sum of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request is If the usage amount exceeds the amount associated with the user information, and
(2) If the product included in the payment request accepted in the accepting step is not a specific product that is a predetermined specific type of product,
The payment amount included in the payment request is the total amount of payment results for purchasing the specific product among the payment results associated with the user identification information included in the payment request in the performance information. a step of determining whether the
If it is determined in the determining step that the amount does not exceed the amount, processing the payment indicated by the payment request;
A program to run. User identification information of a user who makes a payment using a deferred payment service, one or more products purchased by the user through the payment service during a predetermined period, and payments made to purchase each of the one or more products. a storage unit that stores performance information in which the performance amount is associated with the performance amount, and stores user information in which the user identification information is associated with the usage setting amount set for the user indicated by the user identification information;
a reception unit that accepts a payment request including user identification information of a user requesting payment, details of the product to be purchased, and payment amount;
(1) The sum of the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request is If the usage amount exceeds the amount associated with the user information, and
(2) If the product included in the payment request accepted by the reception unit is not a specific product that is a predetermined specific type of product,
Among the payment amount included in the payment request and the payment performance amount associated in the performance information with the user identification information included in the payment request, the payment performance amount paid for purchasing a product other than the specific product. a determination unit that determines whether the total amount of and exceeds the usage setting amount associated in the user information with the user identification information included in the payment request;
a payment processing unit that processes the payment indicated by the payment request when the determination unit determines that the payment does not exceed the amount;
An information processing device having:

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