JP7414207B1 - Information processing device, information processing method, and information processing program - Google Patents

Abstract

[Problem] To improve the usability of deferred payment type cashless payments. An information processing device according to the present application includes an acquisition section and a provision section. When the acquisition unit receives a request from the user to display the first screen of the payment application provided to the user of the electronic payment service for using the code payment, which corresponds to the deferred payment method. , the source of the display request from another device managed by a business that operates a payment service that provides deferred payment methods to users through the electronic payment service, which is another service that cooperates with the electronic payment service. Obtain billing status information indicating the billing status of deferred payment charges corresponding to the target user. The providing unit provides the target user with screen information for displaying a first screen that reflects the billing status corresponding to the target user, based on the billing status information acquired by the acquiring unit. [Selection diagram] Figure 6

Description

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

Conventionally, cashless payment methods have been widely recognized by consumers, mainly for commercial transactions between businesses and individuals, but due to their convenience, they are becoming increasingly popular online using user terminals such as smartphones owned by individuals. Electronic payment services have become widespread among consumers.

In addition, for example, technologies have been proposed that can provide a system that makes it easier for users to pay for so-called deferred payment type cashless payments such as credit cards, and can both improve customer satisfaction and collection rates. There is.

JP2011-108221A

However, with the above-mentioned conventional technology, there is room for improvement in improving usability in deferred payment type cashless payments.

The present application has been made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can improve usability in deferred payment type cashless payments.

The information processing device according to the present application is an information processing device that executes processing related to an electronic payment service that allows a deferred payment method to be selected as a payment method for the price of the transaction when code payment using predetermined code information is used. It has an acquisition section and a provision section. When the acquisition unit receives a request from the user to display the first screen of the payment application provided to the user of the electronic payment service for using the code payment, which corresponds to the deferred payment method. , the source of the display request from another device managed by a business that operates a payment service that provides deferred payment methods to users through the electronic payment service, which is another service that cooperates with the electronic payment service. Obtain billing status information indicating the billing status of deferred payment charges corresponding to the target user. The providing unit provides the target user with screen information for displaying a first screen that reflects the billing status corresponding to the target user, based on the billing status information acquired by the acquiring unit.

According to one aspect of the embodiment, it is possible to improve usability in deferred payment type cashless payment.

FIG. 1 is a diagram for explaining an overview of information processing (part 1) according to the embodiment. FIG. 2 is a diagram illustrating an example of an application screen for performing a deposit promise procedure according to the embodiment. FIG. 3 is a diagram for explaining an overview of information processing (part 2) according to the embodiment. FIG. 4 is a diagram illustrating an example of an application screen corresponding to a function of accepting changes to the payment method for deferred usage fees, etc. according to the embodiment. FIG. 5 is a diagram conceptually illustrating an example of reference information indicating the correspondence between billing status and payment method according to the embodiment. FIG. 6 is a diagram illustrating a configuration example of a payment server according to an embodiment. FIG. 7 is a diagram illustrating an example of user information stored in the user information storage unit according to the embodiment. FIG. 8 is a flowchart illustrating an example of the processing procedure of information processing (part 1) executed by the payment server according to the embodiment. FIG. 9 is a flowchart illustrating an example of the processing procedure of information processing (part 2) executed by the payment server according to the embodiment. FIG. 10 is a hardware configuration diagram illustrating an example of a computer that implements the functions of a payment server that constitutes an information processing system according to an embodiment or a modified example.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing system, an information processing apparatus, an information processing method, and an embodiment of an information processing program (hereinafter referred to as "embodiments") according to the present application will be described in detail below with reference to the drawings. Note that the information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Further, in each of the embodiments below, the same parts are given the same reference numerals, and redundant explanations will be omitted.

[1. Embodiment]
(1-1. System configuration)
Information processing according to the embodiment will be specifically described below. First, prior to explaining the information processing according to the embodiment, an example of the configuration of the information processing system SYS will be explained with reference to FIG.

As shown in FIG. 1, the information processing system SYS according to the embodiment includes a user terminal 10, a payment server 100, and a credit card server 200. The user terminal 10, the payment server 100, and the credit card server 200 are connected to a network N (see FIG. 2, for example) by wire or wirelessly. The user terminal 10, the payment server 100, and the credit card server 200 can communicate with other devices via the network N. The network N is, for example, a WAN (Wide Area Network) such as the Internet.

The user terminal 10 shown in FIG. 1 is an information processing terminal used by a service user UA who is a user of an electronic payment service provided by a business that operates and manages the payment server 100. The user terminal 10 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the user terminal 10 displays information distributed by the payment server 100 using a web browser or an application. Note that FIG. 1 illustrates a case where the user terminal 10 is a smartphone.

The user terminal 10 also has an application program (hereinafter referred to as "smartphone payment") for users to use code payment (also referred to as "smartphone payment") provided to service users UA as one of the cashless payment methods. , appropriately referred to as a "payment application") is installed. When the user terminal 10 receives control information for implementing predetermined information processing through the payment application from the payment server 100, it implements the information processing according to the control information. Here, the control information may be a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a language such as HTML (HyperText Markup Language). It is written in markup language etc. Note that the predetermined application itself distributed from the payment server 100 may be regarded as the control information.

The payment server 100 shown in FIG. 1 is an information processing device operated and managed by an electronic payment service provider UB (hereinafter referred to as "service provider UB") that provides electronic payment services. Payment server 100 may be realized by a mainframe, a workstation, or the like. In addition, when the payment server 100 is composed of a server device, it may be realized by a single server device, or may be realized by a cloud system in which multiple server devices and multiple storage devices work together. good.

Electronic payment services are provided to each service user through the above-mentioned payment app. For example, a payment application has various functions related to payment by code payment and additional functions related to electronic payment services. Additional functions include the ability to check transaction history, search for nearby stores, and manage user accounts. An electronic payment service can also be said to be a service that provides a predetermined transaction method that controls the exchange of electronic money through code payments.

Further, the payment server 100 works in conjunction with a payment application running on the user terminal 10 to execute various processes related to electronic payment services provided through a dedicated online system, for example. For example, the payment server 100 distributes a payment application to those who wish to use the electronic payment service, and provides the electronic payment service on the condition that a predetermined procedure in the payment application is completed. In addition, when the payment server 100 receives a transaction request from a payment application via an interface dedicated to the payment application (for example, various operation screens displayed on the user terminal 10 by the function of the payment supplement), the payment server 100 handles the transaction. In accordance with requests, information processing including electronic money transfer processing between accounts is executed. The payment application transmits transaction information including information such as a payment destination, a payment source, and a payment amount to the payment server 100. In addition to the above-mentioned information, transaction information includes information such as a transaction code to identify each transaction and date and time information (i.e., timestamp) to identify the date and time the transaction was performed. It may be

In addition, electronic payment services have multiple payment methods that each service user can choose from, such as "balance payment," "deferred payment," and "credit card payment" when using code payment. Payment methods are available. “Deferred payment” and “credit card payment” correspond to deferred payment payment methods that can be selected when the service user UA of the electronic payment service uses code payment to pay for a transaction. In addition, in the following explanation, "postpayment" and "postpayment" are synonymous, and are merely paraphrased for convenience of explanation.

For example, if "balance payment" is selected by the service user UA, the payment server 100 calculates an amount equivalent to the transaction price from the money balance, which is the balance of electronic money held by the service user UA. Immediately settle the price of the transaction by transferring the money to the account of the settlement destination.

In addition, the service provider UB is a credit card service provider UC (hereinafter referred to as "service provider UC"), which will be described later, is the operating company of the credit card that the service user UA has registered for use in the payment application. In this case, in cooperation with the service provider UC, payment processing is realized when "credit card payment" is selected by the service user UA. That is, the credit card service provided by the service provider UC to the service user UA is an example of another service that cooperates with the electronic payment service provided by the service provider UB to the service user UA. During business collaboration, service provider UB and service provider UC link information regarding each other's customers through ID linkage and the like. The information regarding each other's customers includes identification information given to each service user in each service, bank account information used for settling various fees, and the like. For example, service provider UB and service provider UC may manage common identification information between the providers as information for identifying the same customer. Further, identification information that is uniquely assigned to a customer in either the service provider UB or the service provider UC may be managed by the other provider. For example, the service provider UC may manage user IDs that are individually assigned to service users UA in an electronic payment service in association with the same customer. Note that the payment server 100 or the credit card server 200 may use a method such as eKYC (electronic know your customer) to perform an identity verification procedure when authenticating the identity of the customer.

For example, if "credit card payment" is selected by the service user UA, the payment server 100 transfers electronic money equivalent to the transaction price to the account of the payment destination. Further, the service provider UB charges the service provider UC a payment amount corresponding to the price of the transaction object. The service provider UC pays the billed amount in response to the request from the service provider UB. The credit card server 200 also collects the credit card usage fee by debiting it on a predetermined date from the bank account registered by the service user UA as an account for debiting the credit card usage fee.

Further, for example, if the service user UA selects "later payment", the payment server 100 pays the transaction amount in advance and settles the transaction at a later date. For example, if "pay later" is selected by the service user UA, the payment server 100 transfers electronic money equivalent to the amount of the transaction from the advance account to the electronic money account held by the store that is the payment destination. (an account where electronic money balances are managed) or electronically transfer cash equivalent to the amount of the transaction to the bank account held by the store that will be the payment destination. The payment will be made in advance. In addition, the payment server 100 debits the "pay later" usage fee on a predetermined date from the bank account that the service user UA has registered in the payment application as the account for debiting the "pay later" usage fee. Recover by doing so.

The credit card server 200 shown in FIG. 2 is an information processing device operated and managed by a service provider UC that provides deferred payment cashless payment services using credit cards to customers including service users UA. be. The service provider UC issues credit cards to users of the cashless payment service, and manages credit card information in association with user information registered by the users. For example, the credit card server 200 manages billing status information indicating the billing status of deferred payment charges to the service user UA. Credit card server 200 may be realized by a mainframe, a workstation, or the like. In addition, when the credit card server 200 is composed of a server device, it may be realized by a single server device, or it may be realized by a cloud system in which multiple server devices and multiple storage devices work together. Good too.

For example, when the credit card server 200 receives billing information related to "credit card payment" from the payment server 100, it executes a payment process to pay the billed amount to the service provider UB. Furthermore, when registering to use "credit card payment" in an electronic payment service, the credit card server 200 manages the service user UA who registers to use a credit card issued by the service provider UC as a means of payment in a state that allows identification of the service user UA. . For example, the credit card server 200 manages the user ID corresponding to the service user UA in association with customer information of a cashless payment service operated by the service provider UC. Then, the credit card server 200 instructs the service user UA who has used "credit card payment" in the electronic payment service to use "credit card payment" in the electronic payment service based on the request received from the payment server 100. Request payment. The credit card server 200 also collects the credit card usage fee by debiting it on a predetermined date from the bank account registered by the service user UA as an account for debiting the credit card usage fee.

Further, the credit card server 200 may execute a process of collectively debiting the usage fee for "pay later" in the electronic payment service together with the usage fee for "credit card payment" in response to a request from the payment server 100. . In this case, the credit card server 200 acquires billing information regarding the "pay later" usage fee from the payment server 100. The credit card server 200 then debits the "pay later" usage fee together with the "credit card payment" usage fee based on the "pay later" usage fee included in the acquired billing information.

(1-2. Regarding payment using user terminal 10)
Here, an example of code payment using the user terminal 10 will be explained. In the following explanation, for example, a two-dimensional code (QR code (registered trademark)) placed at a predetermined store and indicating store identification information for identifying the predetermined store will be used to identify the predetermined store. An example will be described in which a service user UA, who receives a transaction object from a service provider, makes a payment using the user terminal 10. Note that an example of code payment described below can be applied to a case where any user makes a payment at any store using any user terminal 10. Further, the two-dimensional code indicating store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, etc. Further, the two-dimensional code is not limited to the example of being physically configured by printed matter printed on a medium such as paper, but may be configured by image information displayed on an arbitrary terminal.

For example, when a service user UA makes a payment for purchasing or using a transaction object such as various products or services at a predetermined store, the service user UA starts a payment application preinstalled on the user terminal 10. do. The service user UA then photographs the two-dimensional code installed at a predetermined store via the payment application. In such a case, the user terminal 10 displays a screen for inputting the price of the transaction object, and accepts input of the payment amount from the service user UA or a clerk at a predetermined store. Then, the user terminal 10 stores user identification information that identifies the service user UA and store identification information (or information indicated by the store identification information, that is, information indicating a predetermined store (for example, store ID)). , and the payment amount, to the payment server 100.

When the payment server 100 receives transaction information from the user terminal 10, the payment server 100 transfers the amount equivalent to the payment amount from the account of the service user UA indicated by the user identification information to the account of the predetermined store indicated by the store identification information. Transfer electronic money. At this time, the payment server 100 may deduct a predetermined fee charged to a predetermined store from the electronic money equivalent to the payment amount, and then transfer the electronic money to the account of the predetermined store. The payment server 100 then sends a notification to the user terminal 10 that the transaction has been completed. In such a case, the user terminal 10 notifies the service user UA that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. Alternatively, the payment server 100 withdraws electronic money equivalent to the payment amount from the account of the service user UA indicated by the user identification information, manages it as sales information of a predetermined store, and collects electronic money equivalent to the sales at a predetermined timing. The amount of cash may be transferred to a bank account held by a predetermined store. In this case, the payment server 100 may notify the service user UA that the electronic money transaction has been completed at the timing when the electronic money equivalent to the payment amount is withdrawn from the service user UA's account.

Note that payment using the user terminal 10 is not limited to the processing described above. For example, the payment using the user terminal 10 may be made using a terminal device installed at a predetermined store (hereinafter referred to as a "store terminal"). Specifically, first, the user terminal 10 displays on the screen code information indicating user identification information for identifying the service user UA. In such a case, the store terminal reads the user identification information from the code information displayed on the user terminal 10, and stores the read user identification information (or the information indicated by the user identification information, that is, the service user UA). (for example, a user ID)), a payment amount, and information identifying a predetermined store, the transaction information is transmitted to the payment server 100.

Upon receiving the transaction information from the store terminal, the payment server 100 transfers electronic money equivalent to the payment amount from the account of the service user UA indicated by the user identification information to the account of a predetermined store. The payment server 100 then sends a notification to the store terminal or user terminal 10 that the transaction has been completed. The store terminal or user terminal 10 notifies the service user UA that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. In addition, the payment server 100 withdraws electronic money equivalent to the payment amount from the account of the service user UA indicated by the user identification information, manages it as sales information of a predetermined store, and collects electronic money equivalent to the sales at a predetermined timing. The amount of cash may be transferred to a bank account held by a predetermined store. In this case, the payment server 100 may notify the clerk or the service user UA that the electronic money transaction has been completed at the timing when the electronic money corresponding to the payment amount is withdrawn from the service user UA's account. good.

In addition, payment using the user terminal 10 is not limited to the process of transferring electronic money from an account in which the service user UA has previously charged electronic money to an account at a predetermined store. Payment may be made using a registered credit card. In such a case, for example, the user terminal 10 transfers the amount of electronic money indicated by the payment amount to a predetermined store account, and also informs the service user UA's credit card management company that the payment amount is You may request the amount indicated.

In addition, the payment using the user terminal 10 is not limited to the process of transferring electronic money from the account of the service user UA to the account of a predetermined store, but also the process of transferring electronic money from the account of the service user UA to the account of another user. It may also be a payment that transfers electronic money to (i.e., remittance between users). For example, the user terminal 10 used by the service user UA who is the remittance source uses user identification information that identifies the remittance destination user (for example, user identification information displayed on the terminal device used by the remittance destination user). ), receives input of the remittance amount from the service user UA, and transmits information indicating the read identification information, the remittance amount, and user identification information identifying the service user UA to the payment server 100. In such a case, the payment server 100 transfers the amount of electronic money indicated by the remittance amount from the account of the service user UA to the account of the remittee user, and the electronic money is transferred to the user terminal 10 or the remittee user's account. The notification that the remittance has been made may be notified by causing the terminal device to output a screen or a predetermined voice indicating that the remittance has been completed.

Note that remittance using the user terminal 10 is not limited to the above-described processing. For example, remittance using the user terminal 10 may be performed by inputting into the user terminal 10 the telephone number of the user to whom the remittance is to be made or information indicating the user to whom the remittance is to be made (e.g., user ID). . To give a specific example, the user terminal 10 receives the input of the telephone number or user ID of the user to whom the remittance is to be made and the remittance amount from the service user UA, and inputs the input telephone number or user ID and the remittance amount. , transmits the remittance amount and user identification information for identifying the service user UA to the payment server 100. Then, the payment server 100 transfers the amount of electronic money indicated by the remittance amount from the service user UA's account to the user's account linked to the transmitted telephone number or user ID.

Here, the telephone number and user ID of the user who is the remittance destination may be registered in advance in the payment application in association with information regarding the user. In this case, the user terminal 10 receives from the service user UA the designation of the user (remittance destination) registered in the payment application and the input of the remittance amount to the user, and the The telephone number or user ID, the remittance amount, and user identification information for identifying the service user UA are transmitted to the payment server 100.

Further, for example, remittance using the user terminal 10 may be performed by providing link information for receiving the remittance amount to the remittance user. To give a specific example, the user terminal 10 receives an input of the remittance amount from the service user UA, generates link information for receiving the remittance amount, sends an e-mail containing the link information, or sends an e-mail containing the link information. By posting posted information including the information on SNS (Social Networking Service), link information is provided to the terminal device used by the user of the remittance destination. Then, when the remittance destination user selects the link information and performs a receiving operation, the payment server 100 transfers electronic money in the amount indicated by the remittance amount from the service user UA's account to the remittance destination user's account. to migrate.

Note that the payment means and payment services described above are not limited to those for providing consideration for purchasing products or providing services (settlement of debts). For example, as described above, the payment means or payment service may have a function related to remittance between accounts owned by multiple users. That is, the above-mentioned payment means and payment service may be any service that controls the transmission and reception of electronic money between the accounts of arbitrary owners linked to the owner of electronic money, such as users and stores. In other words, the payment means and payment services according to the embodiments include various controls for realizing electronic money exchange (not only various inter-account remittance controls via electronic money, but also control regarding exchanges between electronic money accounts and bank accounts). Transaction methods and transaction services that carry out various types of debt processing such as control, processing related to splits and bonus payments, and various other controls related to the exchange of assets, including electronic money, may be provided in any format. Good too. Further, the various controls realized by such transaction means and transaction services may include both payment-related control and remittance-related control, or only one of them may be included. That is, the term "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other types of processing. That is, the payment server 100 may be an information processing device that implements a transaction means that controls the exchange of electronic money between arbitrary owners.

(1-3. Information processing according to embodiment)
(1-3-1. Overview of information processing (part 1) according to the embodiment)
Hereinafter, an overview of information processing according to the embodiment will be described using FIG. 1. FIG. 1 is a diagram for explaining an overview of information processing (part 1) according to the embodiment. In addition, in the following explanation, an example of information processing in the case where the credit card server 200 collects all charges for code payments performed by the service user UA using "deferred payment" or "credit card payment" It shows. Note that in the following description, there are cases where the service user UA and the user terminal 10 can be equated. That is, the service user UA can be read as the user terminal 10.

As shown in FIG. 1, the user terminal 10 transmits to the payment server 100 a request to display an application screen corresponding to the "pay later" function installed in the payment application in accordance with the operation of the service user UA (step S01). The display request includes a user ID (for example, U#001) for uniquely identifying the service user UA in the electronic payment service.

When the payment server 100 receives a request to display an application screen corresponding to the "pay later" function from the user terminal 10, the payment server 100 sends a request to obtain billing status information indicating the billing status of the deferred payment fee corresponding to the target user to the credit card. It is transmitted to the server 200 (step S02). For example, the acquisition request includes the user ID included in the display request received from the user terminal 10, that is, the user ID for uniquely identifying the service user UA who is the target user (for example, "U#001 ”) is enclosed.

Upon receiving the billing status information acquisition request from the payment server 100, the credit card server 200 acquires the billing status information associated with the user ID included in the acquisition request, and sends the acquired billing status information to the payment server 100. A response is made (step S03).

Upon receiving the billing status information from the credit card server 200, the payment server 100 transmits screen information to the user terminal 10 for displaying an application screen that reflects the billing status of the target user based on the received billing status information. (Step S04).

For example, the payment server 100 may provide the service user UA with screen information including image information indicating the billing status of the deferred payment fee corresponding to the service user UA. Specifically, the payment server 100 can provide screen information including image information indicating "provisionally confirmed," "confirmed," "confirming payment," "deposited," or "unpaid" as the billing status.

When the user terminal 10 receives the screen information from the payment server 100, it displays an application screen G-1 corresponding to the "pay later" function based on the received screen information. Each of display examples EX-1 to EX-5 shown in FIG. 1 shows an example of the application screen G-1 corresponding to the "pay later" function displayed on the user terminal 10.

For example, the application screen G-1 shown in the display example EX-1 includes image information OB-1 indicating that the amount to be billed to the service user UA is in a tentative state. Further, for example, the application screen G-1 shown in the display example EX-2 includes image information OB-2 indicating that the amount billed to the service user UA has been determined. Further, for example, the application screen G-1 shown in display example EX-3 is image information OB indicating that the application screen G-1 is in a state where payment is being confirmed to confirm whether or not the deferred payment usage fee from the service user UA has been deposited. -3 is included. Further, for example, the application screen G-1 shown in display example EX-4 includes image information OB-4 indicating that the payment of the deferred payment usage fee has been confirmed by the service user UA. There is. Further, for example, the application screen G-1 shown in the display example EX-5 includes image information OB-5 indicating that the deferred usage fee is unpaid by the service user UA.

In addition, each of the application screens G-1 shown in display examples EX-1 to EX-5 shown in FIG. Contains link information LK for displaying an application screen G-3 (for example, see FIG. 4) on the user terminal 10 in response to an operation from the service user UA, which can accept changes to the payment method for deferred payment usage fees. I'm here.

Furthermore, among the application screens G-1 shown in display examples EX-1 to EX-5 shown in FIG. The button BT-1 is used to accept a "deposit promise" from the service user UA, which is a predetermined procedure for promising to repay the deferred payment usage fee. FIG. 2 is a diagram illustrating an example of an application screen for performing a deposit promise procedure according to the embodiment. A display example EX-6 shown in FIG. 2 shows an example of an application screen G-2 corresponding to the "deposit promise" function displayed on the user terminal 10.

The application screen G-2 shown in FIG. 2 includes information indicating the billing amount. In addition, the application screen G-2 shown in Figure 2 includes an area where the service user UA presents a list of payment methods that can be selected when repaying the deferred payment usage fee, and an area where the service user UA Contains an area for accepting settings for the scheduled payment date, which is the scheduled date. By operating the application screen G-2, the service user UA can select a payment method for repaying the deferred usage fee and set a scheduled payment date. Further, the user terminal 10 can transmit information on the payment method and scheduled payment date set by the service user UA to the payment server 100 according to the operation of the service user UA.

As shown in Figure 2, the payment methods that can be selected by the service user UA when repaying the deferred payment usage fee include balance payment, in which payment is made from the balance of electronic money held by the service user UA in the electronic payment service. , re-transfer to pay by re-debiting from the payment account that is the bank account set as the debit account for deferred payment usage fees, convenience store payment at convenience stores using electronic forms, etc. It is envisaged that payments will be made by bank transfer or in a lump sum payment together with next month's usage charges. For example, if the service user selects a payment method that assumes immediate payment, such as a balance payment, or a payment method that has a predetermined payment date, such as a lump sum payment, the payment server 100 determines the scheduled payment date. The area to be set may be controlled so that it is not displayed automatically. In this case, the payment server 100 may transmit control information for causing the user terminal 10 to execute such control to the user terminal 10 together with screen information.

In addition, in the example shown in FIG. 2, the payment server 100 selects the "balance payment" item displayed on the application screen G-2 as a payment method that can be selected when the service user UA repays the deferred payment usage fee. In association with this, the money balance held by the service user UA is displayed as the available amount. The payment server 100 displays the money balance by including the balance information in the screen information and transmitting it to the user terminal 10. In addition, when displaying the money balance, the payment server 100 displays the money balance depending on whether the money balance is insufficient for the billed amount. The display format may be changed, such as highlighting the balance information so that it stands out. In this case, the payment server 100 may transmit control information for causing the user terminal 10 to execute such control to the user terminal 10 together with screen information.

In addition, in the example shown in FIG. 2, the payment server 100 selects "Re-debit from the payment account" displayed on the application screen G-2 as a payment method that the service user UA can select when repaying the deferred payment usage fee. '', the balance of the bank account that the service user UA has set as a debit account may be displayed. In this case, the payment server 100 assumes that the bank account held by the service user UA is an account lent by the service user UA from a bank that cooperates with the service provider UB, and that the bank It is assumed that the environment is such that balance information can be obtained. Further, in this case, the payment server 100 may transmit control information for causing the user terminal 10 to execute such control to the user terminal 10 together with the screen information.

Furthermore, in the example shown in FIG. 2, the payment server 100 is unable to use any of the payment methods included in the list of payment methods that the service user UA can select when repaying the deferred payment usage fee due to insufficient balance or the like. Change the standard so that payment methods are displayed below the available payment methods, hide payment methods that are unavailable, or display frequently used payment methods higher up. It may be controlled as follows. In this case, the payment server 100 may transmit control information for causing the user terminal 10 to execute such control to the user terminal 10 together with screen information.

In addition, in the example shown in FIG. 2, if there is no registration for balance payment or re-debit from the payment account as a payment method, the payment server 100 displays a button on the application screen G- to guide the target user to the registration screen. It may be displayed in 2. For example, if balance payment is registered as a payment method for deferred payment usage fees, but debit from a bank account is not registered, the payment server 100 may be configured to set debit from a bank account as a payment method. You may be guided to the operation. For example, if the payment server 100 has registered debit from a bank account as a payment method for deferred payment usage fees, but balance payment has not been registered, the payment server 100 may perform an operation to set balance payment as the payment method. You may be guided to

In addition, in the example shown in FIG. 2, when the payment server 100 receives information on the scheduled payment date set by the service user UA on the application screen G-2, the payment server 100 will not be able to pay the deferred payment usage fee until the scheduled payment date has elapsed. Execution of a predetermined action for urging a service user UA who is in an unpaid state to repay (for example, calling to request payment, etc.) may be temporarily stopped.

In addition, in the example shown in FIG. 2, when convenience store payment is selected as the payment method on the app screen G-2, the payment server 100 sets the scheduled payment date set on the app screen G-2 to the electronic device used for convenience store payment. It can be set as the expiration date of the barcode provided on the form.

Further, for example, when displaying the application screen G-1 shown in the display example EX-1 and display example EX-2 described above, the payment server 100 displays the money balance and the bank that has set the automatic charge of electronic money. The account balances may be provided to the service user UA by displaying them on the application screen G-1. For example, the payment server 100 uses an API that can access the bank system provided by the bank that manages the bank account set by the service user UA as a source for charging the money balance. Information on the balance of the UA's bank account is obtained, and the obtained balance information is displayed on the application screen G-1. In addition, if the money balance or the sum of the money balance and the bank account balance is less than the confirmed billing amount, the payment server 100 displays the money balance or bank account balance on the application screen G-1. It may be highlighted. Further, the payment server 100 may perform the above-mentioned display only when "money balance" is set as a selectable payment method when repaying the deferred payment usage fee.

As described above, in the information processing system SYS according to the embodiment, the payment server 100 collects the usage fee of the code payment made by selecting the deferred payment method of "pay later" or "pay by credit card". The service user UA can be made aware of the payment status of the deferred payment usage fee. Thereby, in the information processing system SYS according to the embodiment, the payment server 100 can improve usability in deferred payment type cashless payments.

(1-3-2. Overview of information processing (part 2) according to the embodiment)
An overview of the information processing (part 2) according to the embodiment will be described below using FIG. 3. FIG. 3 is a diagram for explaining an overview of information processing (part 2) according to the embodiment.

As shown in FIG. 3, the user terminal 10 transmits to the payment server 100 a request to display an application screen corresponding to a function for accepting changes to the payment method for deferred payment usage fees, etc., in accordance with the operation of the service user UA (step S11). ). The display request includes a user ID (for example, U#001) for uniquely identifying the service user UA in the electronic payment service.

When the payment server 100 receives a request from the user terminal 10 to display an application screen corresponding to a function for accepting changes to payment methods for deferred payment usage fees, the payment server 100 displays billing status information indicating the billing status of deferred payment usage fees corresponding to the target user. An acquisition request is sent to the credit card server 200 (step S12). For example, the acquisition request includes the user ID included in the display request received from the user terminal 10, that is, the user ID for uniquely identifying the service user UA who is the target user (for example, "U#001 ”) is enclosed.

Upon receiving the billing status information acquisition request from the payment server 100, the credit card server 200 acquires the billing status information associated with the user ID included in the acquisition request, and sends the acquired billing status information to the payment server 100. A response is made (step S13).

Upon receiving the billing status information from the credit card server 200, the payment server 100 selects a payment method according to the billing status for the target user based on the received billing status information (step S14). Further, the payment server 100 transmits screen information to the user terminal 10 for displaying an application screen that presents payment methods and the like according to the billing status for the target user (step S15).

When the user terminal 10 receives the screen information from the payment server 100, it displays an application screen corresponding to a function for accepting changes to the payment method for deferred payment usage fees, etc., based on the received screen information. FIG. 4 is a diagram illustrating an example of an application screen corresponding to a function of accepting changes to the payment method for deferred usage fees, etc. according to the embodiment. The display example EX-7 shown in FIG. 4 shows an example of the application screen G-3 corresponding to the function of accepting changes to the payment method of the deferred payment fee, etc., displayed on the user terminal 10.

The application screen G-3 shown in FIG. 4 is displayed on the user terminal 10, for example, when the service user UA operates the link information LK shown in FIG. Note that the trigger for displaying the application screen G-4 is not particularly limited to the detection of the operation of the service user UA on the link information LK shown in FIG. 1. For example, the application screen G-3 is displayed when the user detects an operation by the service user UA on the menu field provided on the top screen of the payment application or on a link pasted in an e-mail addressed to the target user. It may also be displayed on the terminal 10. As shown in FIG. 4, the application screen G-3 shows the payment method selected by the payment server 100 according to the billing status of the deferred payment usage fee to the service user UA, who is the target user, as the payment method for the deferred payment usage fee. Contains a list of information. Note that the list of information indicating payment methods may include "Deposit Promise," which is a predetermined procedure for promising to repay the deferred payment usage fee. In this case, the app screen G shown in Figure 2 described above may be included. A button, link, etc. for transitioning to -2 may be provided. FIG. 5 is a diagram conceptually illustrating an example of reference information indicating the correspondence between billing status and payment method according to the embodiment.

Based on the reference information M-2 shown in FIG. -2", "ST3-1", or "ST3-2", the payment methods that the service user UA can select are "Payment method P1," "Payment method P2," and "Payment method P3." , "Payment method P4," "Payment method P5," "Payment method P6," and "Payment method P7."

For example, if the billing status for the service user UA is "ST1-1", it is assumed that the billed amount is undetermined. Further, for example, when the billing status for the service user UA is "ST1-2", it is assumed that the billing amount has been provisionally determined. Further, for example, when the billing status for the service user UA is "ST1-3", it is assumed that the billing amount has been determined.

Also, for example, the billing status for the service user UA is "ST2-1", "ST2-2", "ST2-3", "ST3-1", "ST3-2", or "ST3-3". In this case, it is assumed that the amount corresponding to the billed amount is confirmed to have been paid.

Furthermore, based on the reference information M-2 shown in FIG. If applicable, the service user UA can select "Payment Method 1," "Payment Method 2," "Payment Method 3," and "Payment Method 4" as selectable payment methods.

Furthermore, based on the reference information M-2 shown in FIG. The user UA can select "payment method P8," "payment method P9," and "payment method P10" as selectable payment methods. Further, as shown in FIG. 5, if the billing status of the service user UA who is the target user corresponds to "ST4-1" or "ST4-2", the payment server 100 selects "Deposit Promise". be able to.

Payment methods that service users UA can select include, for example, revolving payment, cash advance, installment payment, deferral, balance payment if deferred payment is unpaid, and barcode payment available at convenience stores. It may also include re-transfer payments to bank accounts, deferrals, etc. The payment server 100 selects payment methods that can be selected by the service user UA, depending on the billing situation.

In the information processing system SYS according to the embodiment, the payment server 100 collects the deferred payment usage fee, which is the usage fee of the code payment, which is made by selecting the deferred payment method of ``deferred payment'' or ``credit card payment.'' The service user UA can be made aware of the payment status. Thereby, in the information processing system SYS according to the embodiment, the payment server 100 can improve usability in deferred payment type cashless payments.

Further, in the information processing (part 2) according to the embodiment, when displaying the application screen corresponding to the "pay later" function, the payment server 100 determines that the billing status of the postpaid usage fee corresponding to the service user UA is " If the payment has been made, the payment method used when paying the deferred payment usage fee (for example, balance payment, account transfer, etc.) may be displayed.

Furthermore, in the information processing (part 2) according to the embodiment, when displaying the application screen corresponding to the "pay later" function, the payment server 100 may also display details of the charge for use later paid.

[2. Device configuration〕
Hereinafter, an example of the functional configuration of the payment server 100 included in the information processing system SYS according to the embodiment will be described with reference to FIG. 6. FIG. 6 is a diagram illustrating a configuration example of the payment server 100 according to the embodiment. As shown in FIG. 6, payment server 100 includes a communication section 110, a storage section 120, and a control section 130.

(About communication department 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from other devices such as the user terminal 10 and the credit card server 200.

(About storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 6, the storage unit 120 includes a user information storage unit 121 and a payment method selection information storage unit 122.

(About user information storage unit 121)
The user information storage unit 121 stores user information regarding service users who use electronic payment services. FIG. 7 is a diagram illustrating an example of user information stored in the user information storage unit 121 according to the embodiment.

As shown in FIG. 7, the user information storage unit 121 stores multiple user information such as "user ID", "balance payment transaction history", "deferred payment transaction history", etc. It has the following items. These items included in the user information are associated with each other.

The "User ID" item includes a unique ID that is individually assigned to each service user in order to uniquely identify the service user who uses the electronic payment service (for example, the service user UA shown in Figure 1). A user ID, which is identification information of the user, is stored.

The "balance payment transaction history" item stores the history of transactions performed by selecting "balance payment" among transactions by code payment. The transaction history may include information such as payment date and time, payment destination, payment amount, etc. for each transaction.

In the item "Deferred payment transaction history", the history of transactions performed by selecting "Deferred payment" among transactions by code payment is stored. The transaction history may include information such as payment date and time, payment destination, payment amount, etc. for each transaction.

(Regarding payment method selection information storage unit 122)
The payment method selection information storage unit 122 selects a payment method according to the billing status of the deferred payment usage fee corresponding to the target user who requests a change in the payment method etc. of the usage fee of the deferred payment usage fee. Reference information (for example, reference information M-2 shown in FIG. 5) is stored.

(About the control unit 130)
The control unit 130 is a controller, and for example, various programs stored in the storage device inside the payment server 100 use the RAM as a work area by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). This is achieved through execution. Further, the control unit 130 may be realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 4, the control unit 130 includes an acquisition unit 131 and a provision unit 132, and these units realize or execute information processing functions and operations described below. Note that a new functional unit different from each unit shown in FIG. 6 may be introduced into the control unit 130 depending on expansion of various processes executed by the payment server 100.

(About the acquisition unit 131)
The acquisition unit 131 is a screen of a payment application provided to a service user UA who is a user of an electronic payment service in order to use code payment. If a service user UA receives a request to display a "first screen for deferred payment" (an example of "the first screen for deferred payment"), the service user UA accepts a request to display a credit card payment ("deferred payment method") through another service that cooperates with the electronic payment service. A credit card server 200 (an example of "another device") managed by a service provider UC that operates a payment service that provides a payment service (an example) to a service user UA (an example) sends a display request to a service user UA ( Obtain billing status information indicating the billing status of the deferred payment fee corresponding to the "target user" (an example of the "target user").

(About the providing unit 132)
Based on the billing status information acquired by the acquiring unit 131, the providing unit 132 provides screen information for displaying the application screen G-1 that reflects the billing status corresponding to the target user (for example, service user UA). , and is provided to the target user by transmitting it to the user terminal 10 through the communication unit 110.

Further, the providing unit 132 may provide the target user with screen information including image information indicating the billing status by transmitting the screen information to the user terminal 10.

In addition, the providing unit 132 transmits to the user terminal 10 screen information including image information indicating that the deferred payment usage fee is tentatively determined, finalized, payment is being confirmed, payment has been completed, or unpaid, as the billing status. may be provided to

In addition, the providing unit 132 presents the target user with payment methods for deferred payment charges that the target user can select according to the billing status, and displays an application screen G-3 (“second screen”) on which a change in the payment method can be accepted. ”) may be provided to the target user by transmitting screen information for displaying it to the user terminal 10.

Further, if the billing status is unpaid, the providing unit 132 displays an application screen G-2 (an example of a "third screen") on which the payment method and scheduled date of payment for the deferred payment usage fee can be accepted from the target user. The screen information may be provided to the target user by transmitting it to the user terminal 10.

In addition, when displaying the application screen G shown in the display example EX-1 and display example EX-2 described above, the providing unit 132 displays the money balance and the balance of the bank account that is set to auto-charge electronic money. It may also be provided to the service user UA by displaying it on the application screen G. For example, the providing unit 132 uses an API that can access the bank system provided by the bank that manages the bank account set by the service user UA as a source for charging the money balance. Information on the balance of the UA's bank account is obtained, and the obtained balance information is displayed on the application screen G. Further, if the money balance or the sum of the money balance and the bank account balance is less than the confirmed billing amount, the providing unit 132 highlights the money balance or the bank account balance on the application screen G. You may let them. Further, the providing unit 132 may perform the above-mentioned display only when "money balance" is set as a selectable payment method when repaying the deferred payment usage fee.

[3. Processing procedure example]
(3-1. Information processing by payment server 100 (Part 1))
The flow of information processing executed by the payment server 100 according to the embodiment will be described below. First, an example of the processing procedure of information processing (part 1) executed by the payment server 100 according to the embodiment will be described using FIG. 8. FIG. 8 is a flowchart illustrating an example of the processing procedure of information processing (Part 1) executed by the payment server 100 according to the embodiment. Note that the processing procedure shown in FIG. 8 is executed by the control unit 130 included in the payment server 100. The control unit 130 repeatedly executes the processing procedure shown in FIG. 8 while the payment server 100 is in operation.

As shown in FIG. 8, the acquisition unit 131 receives a request to display an application screen corresponding to the “pay later” function from a user of the electronic payment service through the communication unit 110 (step S101).

The acquisition unit 131 transmits a request to acquire the billing status information of the target user who is the source of the application screen display request to the credit card server 200 through the communication unit 110 (step S102).

The acquisition unit 131 acquires the billing status information of the target user transmitted from the credit card server 200 through the communication unit 110 (step S103).

The providing unit 132 provides the target user with an application screen that reflects the billing status of the deferred payment fee corresponding to the target user based on the billing status information acquired by the acquiring unit 131 (step S104), and the process shown in FIG. The processing procedure shown ends.

(3-2. Information processing by payment server 100 (Part 2))
An example of the processing procedure of the information processing (Part 2) executed by the payment server 100 according to the embodiment will be described below with reference to FIG. FIG. 9 is a flowchart illustrating an example of the processing procedure of information processing (Part 2) executed by the payment server 100 according to the embodiment. Note that the processing procedure shown in FIG. 9 is executed by the control unit 130 included in the payment server 100. The control unit 130 repeatedly executes the processing procedure shown in FIG. 9 while the payment server 100 is in operation.

As shown in FIG. 9, the acquisition unit 131 receives, through the communication unit 110, a request from a user of the e-payment service to display an application screen corresponding to a change acceptance function for accepting changes to the payment method of deferred payment usage fees, etc. (Step S201).

The acquisition unit 131 transmits a request to acquire billing status information of the target user who is the source of the application screen display request to the credit card server 200 through the communication unit 110 (step S202).

The acquisition unit 131 acquires the billing status information of the target user transmitted from the credit card server 200 through the communication unit 110 (step S203).

Based on the billing status information acquired by the acquisition unit 131, the providing unit 132 selects a payment method selectable by the target user according to the billing status of the deferred payment usage fee corresponding to the target user (step S204).

The providing unit 132 provides the target user with an application screen that presents payment methods and the like according to the billing status of the deferred payment fee corresponding to the target user (step S205), and ends the processing procedure shown in FIG. 9.

[4. Modified example]
In the embodiments described above, the information processing system SYS according to the embodiments has been described as an example configured to include the payment server 100 and the credit card server 200, but there is no need to be particularly limited to such an example. . For example, payment server 100 and credit card server 200 may be a single server that is functionally or physically integrated. Further, a part of the processing functions of the control unit 130 of the payment server 100 may be distributed to the credit card server 200.

Further, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, and conversely, the processes described as being performed automatically can be performed manually. All or part of the processing can also be performed automatically using known methods. In addition, information including the processing procedures, specific names, and various data and parameters shown in the above documents and drawings may be changed arbitrarily, unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Further, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

Furthermore, the embodiments described above can be combined as appropriate within a range that does not conflict with the processing contents.

[5. effect〕
As described above, when using code payment using predetermined code information, the payment server 100 included in the information processing system SYS according to the embodiment can select the deferred payment method as the payment method for the price of the transaction. The information processing apparatus executes processing related to electronic payment services, and includes an acquisition section 131 and a provision section 132. The acquisition unit 131 is a screen of a payment application provided to a service user UA who is a user of an electronic payment service in order to use code payment. If a service user UA receives a request to display a "first screen for deferred payment" (an example of "the first screen for deferred payment"), the service user UA accepts a request to display a credit card payment ("deferred payment method") through another service that cooperates with the electronic payment service. A credit card server 200 (an example of "another device") managed by a service provider UC that operates a payment service that provides a payment service (an example) to a service user UA sends a request to the service user UA ( Obtain billing status information indicating the billing status of the deferred payment fee corresponding to the "target user" (an example of the "target user"). Based on the billing status information acquired by the acquiring unit 131, the providing unit 132 provides screen information for displaying an application screen G-1 that reflects the billing status corresponding to the target user (for example, service user UA). , and is provided to the target user by transmitting it to the user terminal 10 through the communication unit 110.

In this way, the payment server 100 of the information processing system SYS according to the embodiment uses the usage fee of the code payment made by selecting the payment method of deferred payment method, ``pay later'' or ``credit card payment.'' The service user UA can be made aware of the payment status of a certain deferred payment usage fee. Thereby, in the information processing system SYS according to the embodiment, the payment server 100 can improve usability in deferred payment type cashless payments.

Further, the providing unit 132 may provide screen information including image information indicating the billing status. Thereby, the payment server 100 can easily make the target user recognize the payment status of the deferred payment usage fee.

Further, the providing unit 132 may provide screen information including image information indicating that the deferred payment usage fee is tentatively determined, finalized, payment is being confirmed, payment has been made, or unpaid as the billing status. Thereby, the payment server 100 can easily make the target user recognize the payment status of the deferred payment usage fee for each stage.

In addition, the providing unit 132 presents the target user with payment methods for deferred payment charges that the target user can select according to the billing status, and displays an application screen G-3 (“second screen”) on which a change in the payment method can be accepted. You may provide the target user with screen information for displaying (an example of ")". Thereby, the payment server 100 can easily allow the target user to confirm and change the payment methods that can be selected according to the billing status of the deferred payment usage fee, thereby improving usability.

Further, when the billing status is unpaid, the providing unit 132 displays an application screen G-2 (an example of a "third screen") on which the payment method and scheduled date of payment for the deferred payment usage fee can be accepted from the target user. screen information may be provided to the target user. Thereby, the payment server 100 can smoothly execute the procedure for repaying the deferred usage fee of the target user, and can improve usability.

[6. Hardware configuration]
Further, the payment server 100 according to the embodiment or modification described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. 10. FIG. 10 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server 100 that constitutes the information processing system according to the embodiment or modification.

The computer 1000 is connected to an output device 1010 and an input device 1020, and has an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 connected by a bus 1090. has.

The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, and performs various processes. The primary storage device 1040 is a memory device such as a RAM that temporarily stores data used by the arithmetic device 1030 for various calculations. Further, the secondary storage device 1050 is a storage device in which data used by the arithmetic unit 1030 in various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), an HDD, a flash memory, or the like.

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various information such as a monitor or a printer. This is realized using a connector compliant with standards such as HDMI (registered trademark) (High Definition Multimedia Interface). Further, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, and a scanner, and is realized by, for example, a USB.

Note that the input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like. Furthermore, the input device 1020 may be an external storage medium such as a USB memory.

Network IF 1080 receives data from other devices via network N and sends it to computing device 1030, and also sends data generated by computing device 1030 to other devices via network N.

Arithmetic device 1030 controls output device 1010 and input device 1020 via output IF 1060 and input IF 1070. For example, the arithmetic device 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040, and executes the loaded program.

For example, when the computer 1000 functions as the payment server 100 according to the embodiment or modification, the arithmetic unit 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040. , realizes the same functions as the control unit 130. That is, the arithmetic device 1030 realizes the processing by the payment server 100 according to the embodiment or the modified example in cooperation with a program (for example, an information processing program) loaded onto the primary storage device 1040.

[7. others〕
Some of the embodiments of the present application have been described above in detail based on the drawings, but these are merely examples, and various modifications and variations may be made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure section of the invention. It is possible to carry out the invention in other forms with modifications.

Furthermore, the configurations of the payment server 100 and credit card server 200 described above can be changed flexibly, such as implementing some functions by calling an external platform using an API (Application Programming Interface), network computing, or the like.

Further, the "unit" described in the claims can be read as "means", "circuit", etc. For example, the control section can be read as a control means or a control circuit.

SYS Information processing system 10 User terminal 100 Payment server 110 Communication unit 120 Storage unit 121 User information storage unit 122 Payment method selection information storage unit 130 Control unit 131 Acquisition unit 132 Providing unit 200 Credit card server

Claims (11)

An information processing device that executes processing related to an electronic payment service that allows a deferred payment method to be selected as a payment method for a transaction price, the information processing device comprising:
If a request is received from the user to display a first screen of a payment application provided to the user of the electronic payment service that corresponds to the payment method of the deferred payment method, the system may cooperate with the electronic payment service. The target user who is the source of the display request from another device managed by a business that operates a payment service that provides the user with the deferred payment method through the electronic payment service. an acquisition unit that acquires billing status information indicating whether the deferred payment usage fee is tentatively determined, finalized, payment is being confirmed, payment has been made, or unpaid as the billing status of the deferred payment usage fee corresponding to the deferred payment usage fee ;
Based on the billing status information acquired by the acquisition unit, the billing status corresponding to the target user reflects any of the deferred payment usage fee being tentatively determined, finalized, payment being confirmed, deposited, or unpaid. and a providing unit that provides screen information for displaying the first screen to the target user. The provision department is
The information processing device according to claim 1, wherein the information processing device provides the screen information including image information indicating the billing status. The provision department is
According to claim 2, the billing status is provided with the screen information including the image information indicating whether the deferred payment usage fee is tentatively determined, finalized, payment is being confirmed, payment has been made, or unpaid. information processing equipment. The provision department is
The target user may select a payment method for the deferred payment usage fee that the target user can select depending on whether the billing status corresponds to whether the deferred payment usage fee is provisionally determined, finalized, payment is being confirmed, payment has been made, or unpaid. and provide screen information for displaying a second screen on which a change in the payment method can be accepted.
The information processing device according to claim 1 , characterized in that : The provision department is
Screen information for displaying, on the second screen, payment methods for the deferred payment usage fee that are selectable by the target user, based on reference information indicating a correspondence relationship between the billing status and the payment method for the deferred payment usage fee. I will provide a
The information processing device according to claim 4, characterized in that: The provision department is
If the billing status corresponds to payment completed, screen information for displaying the second screen that displays the payment method used when paying the deferred payment usage fee is provided.
The information processing device according to claim 4, characterized in that: The provision department is
If electronic money is included in the payment method for the deferred payment usage fee that can be selected by the target user, screen information for displaying information on the money balance linked to the target user on the second screen is provided.
The information processing device according to claim 4, characterized in that: The provision department is
Provide screen information for displaying the balance of the bank account that is set to auto-charge the electronic money.
The information processing device according to claim 7, characterized in that: The provision department is
If the billing status is unpaid, screen information is provided for displaying a third screen on which a payment method and scheduled date of payment for the deferred payment usage fee can be accepted from the target user. Device. An information processing method executed by a computer that executes processing related to an electronic payment service that allows a deferred payment method to be selected as a payment method for a transaction price, the method comprising:
If a request is received from the user to display a first screen of a payment application provided to the user of the electronic payment service that corresponds to the payment method of the deferred payment method, the system may cooperate with the electronic payment service. The target user who is the source of the display request from another device managed by a business that operates a payment service that provides the user with the deferred payment method through the electronic payment service. an acquisition step of acquiring billing status information indicating whether the deferred payment usage fee is tentatively determined, finalized, payment is being confirmed, deposited, or unpaid as the billing status of the deferred payment usage fee corresponding to the deferred payment usage fee;
Based on the billing status information acquired in the acquisition step, the billing status corresponding to the target user reflects any of the deferred payment usage fee being tentatively determined, finalized, payment being confirmed, deposited, or unpaid. and providing screen information for displaying the first screen to the target user. A computer that executes processing related to an electronic payment service that allows you to select a deferred payment method as a payment method for the transaction price .
If a request is received from the user to display a first screen of a payment application provided to the user of the electronic payment service that corresponds to the payment method of the deferred payment method, the system may cooperate with the electronic payment service. The target user who is the source of the display request from another device managed by a business that operates a payment service that provides the user with the deferred payment method through the electronic payment service. an acquisition procedure for acquiring billing status information indicating whether the deferred payment usage fee is tentatively determined, finalized, payment is being confirmed, deposited, or unpaid as the billing status of the deferred payment usage fee corresponding to the deferred payment usage fee;
Based on the billing status information acquired by the acquisition procedure, the billing status corresponding to the target user reflects any of the deferred payment usage fee being tentatively determined, finalized, payment being confirmed, deposited, or unpaid. and providing screen information for displaying the first screen to the target user.

Images