JP7483787B2 - SERVICE PROVIDING APPARATUS, APPLICATION PROGRAM, SERVICE PROVIDING SYSTEM, SERVICE PROVIDING METHOD, AND PROGRAM - Google Patents

Description

Article 30, Paragraph 2 of the Patent Act applies Publication date Survey period: January 11, 2022 to January 12, 2022 Publication method Internet survey

The present invention relates to a service providing device, an application program, a service providing system, a service providing method, and a program.

Conventionally, an information processing method has been disclosed that suggests the amount to deposit into an account (see, for example, Patent Document 1). With this information processing method, when a user deposits the suggested amount, the user taps the text portion of the suggested deposit amount to adjust the deposit amount, and then operates a button to confirm the deposit amount, and the deposit is made.

JP 2020-24495 A

However, the above information processing method may not provide sufficient convenience for users.

The present invention has been made in consideration of these circumstances, and one of its objectives is to provide a service providing device, an application program, a service providing system, a service providing method, and a program that can further improve user convenience.

One aspect of the present invention is a service providing device that provides a payment service by electronic payment, the service providing device comprising: a payment processing unit that settles a payment made by a user of the payment service using a charge balance of electronic money charged to the account of the user of the payment service; an acquisition unit that acquires a proposed amount, which is an electronic money charge amount proposed to the user and is determined based on payment history information of the user's payment or electronic money charge history information; and a display control unit that transmits information to a terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area that accepts charging of the proposed amount to the account.

According to one aspect of the present invention, it is possible to provide a service providing device, a service providing system, an application program, a service providing method, and a program that can further improve user convenience.

FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. FIG. 11 is a sequence diagram illustrating an example of a general flow of electronic payment in pattern 1. FIG. 11 is a sequence diagram illustrating an example of a general flow of electronic payment in pattern 2. FIG. 2 is a configuration diagram of a payment server 100. FIG. 11 is a diagram showing an example of the contents of user information 172. FIG. 13 is a diagram showing an example of the contents of affiliated store/store information 176. FIG. 13 is a diagram showing an example of a home screen IM. FIG. 13 is a diagram showing an example of a charge screen IM2. 10 is a sequence diagram showing an example of a flow of processes executed by a payment application 20 and a payment server 100. FIG. FIG. 13 is a diagram showing an interface screen IM3. FIG. 13 is a diagram showing an interface screen IM4. FIG. 13 shows interface screens IM5 and IM6. FIG. 13 is a diagram for explaining a specific example (part 4). FIG. 13 is a diagram for explaining an outlier. FIG. 13 is a diagram for explaining an interface screen of a specific example (part 5). FIG. 13 is a diagram showing an example of an interface screen including a suggested amount charge button that displays a suggested amount that takes into account the user's current charge balance and payment history information. FIG. 13 is a diagram showing an example of an interface screen that does not include a charge button for a specified amount less than the proposed amount. FIG. 13 is a diagram showing an example of an interface screen including a charge button for a charge amount different from a proposed amount determined based on the proposed amount. FIG. 11 is a sequence diagram showing an example of a flow of processes executed by a payment application 20 and a payment server 100 in the first modified example. FIG. 11 is a sequence diagram showing an example of a flow of processes executed by a payment application 20 and a payment server 100 in Modification 2.

The service providing device, application program, service providing system, service providing method, and program of the present invention will be described below with reference to the drawings. The service providing device is realized by one or more processors. The service providing device provides a payment service by electronic payment. The service providing device includes a payment processing unit that settles a payment of the user of the payment service by using a charge balance of electronic money charged to the account of the user of the payment service, an acquisition unit that acquires a proposed amount, which is an electronic money charge amount proposed to the user, determined based on payment history information of the user's payment or electronic money charge history information, and a display control unit that transmits information to the terminal device for displaying on the display unit of the terminal device an interface screen including a first reception area that accepts charging of the proposed amount to the account.

[Electronic payment service]
1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, and one or more second store terminal devices 70 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, the components for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a payment app 20 is executed by a processor such as a CPU, and the user terminal device 10 operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 controls the camera, communication device, touch panel, etc.

The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store, and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, etc. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like made by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image equivalent to a store code image and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

The payment server 100 realizes electronic payment based on the payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a member store server, in which case the payment information is sent from the POS device to the payment server 100 via the member store server. In the following description, this will not be distinguished and payment information is sent from the first store terminal device 50. The payment server 100 performs electronic payment, for example, by decreasing the charge balance managed in association with the user ID and increasing the item value of the sales of the member store. The item value of the sales of the member store is not used as electronic money itself, for example, but an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the member store and the electronic payment service. Electronic payment may include a method that allows a purchase of a larger amount than the charge balance at the time of purchase by using a method such as revolving payment or credit payment.

Figures 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: pattern 1 and pattern 2.

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which information capable of identifying the store is added, and is associated with the affiliated store ID, store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 completes the electronic payment as described above based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the procedure for the user to input the payment amount is omitted. For example, the payment application 20 displays the screen on which the payment amount is input on the display unit, so that the above S5 is omitted. When the user checks the amount and performs a predetermined operation, the second payment information including the payment amount is transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment app 20 is started, when a payment operation is performed in the payment app 20, and when the automatic update timing occurs, the payment app 20 sends a request to issue a one-time code (corresponding to user identification information) to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50, and the first store terminal device 50 decodes the code image using an optical reading function and obtains the one-time code (S15). Then, the first store terminal device 50 generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is obtained in advance by barcode reading, manual input, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and completes the electronic payment as described above (S17). The payment server 100 then sends a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

Note that electronic payment may be made using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuance of a one-time code may be omitted in the store scan, and the payment app 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Payment server]
4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a login status management unit 120, a determination unit 121, a payment content providing unit 122, a payment processing unit 124, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transient storage medium) such as a hard disk drive (HDD) or a flash memory, or may be stored in a removable storage medium (a non-transient storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium in a drive device. The determination unit 121 is an example of an "acquisition unit", and the payment content providing unit 122 is an example of a "display control unit".

The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, and affiliated store/shop information 176.

The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

The login status management unit 120 manages the login status of each user. For example, the login status management unit 120 permits login based on the phone number and password entered by the user, and transitions the status from the login status to the logout status based on the user's logout operation.

The determination unit 121 determines the amount of electronic money to be charged to the user based on the user's payment settlement history information or electronic money charge history information in the user information 172. Details of this process will be described later.

The payment content providing unit 122 has, for example, a web server function, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The payment content providing unit 122 reads out necessary content from the payment content information 174 as appropriate, and provides it to the user terminal device 10. For example, the payment content providing unit 122 generates content including a reception area for accepting charging the proposed amount to an account, and transmits information to the user terminal device 10 for displaying the generated content on the display unit of the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the content is being played by the payment app 20, and transmits the aforementioned payment information and the like to the payment server 100.

The payment processing unit 124 refers to the user information 172 and performs charging based on the user's operation, the auto-charge function, etc. The payment processing unit 124 performs charging in cooperation with, for example, a server device of a bank designated by the user or a server device of a credit card company.

The payment processing unit 124 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 124 performs payment processing while referring to the user information 172.

5 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, and other information associated with the user URL, an account ID, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a bank account, a credit card number, other service linkage information, radio wave authentication settings, carrier payment settings, a chat friend list, charge history information, payment history information, and chat history information. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (or does not have to be set). Other information other than the user URL, account ID, telephone number, password, registration date, charge balance, charge history information, and payment history information is information that can be set by the user at will. Hereinafter, the instance (electronic payment account) of the user associated with these pieces of information is referred to as an account. The user URL is used for remittance processing between users. The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created).

The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to the account in advance. Methods of transfer include transfer from an ATM (Automatic Teller Machine) of a designated business (bank) and transfer from a registered bank account. The bank account and credit card number are information (account number, card number) of a bank account or credit card number that can be used to deposit money into the electronic payment service. The other service link information is the login ID of another service that links with the electronic payment service (for example, operated by an operator belonging to the same business group). The radio wave authentication setting is setting information when authentication is performed by communication with a specific communication carrier. The carrier payment setting is setting information for transferring at least a portion of the payment made using the electronic payment service to a payment to the communication carrier. The chat friend list is a list of other users who can be chat partners in the chat function provided by the electronic payment service.

Charge history information is a history of when a user transfers money to an electronic payment service to increase the charge balance, and is information that associates the charge amount with the date and time of the charge. Charge history information is history information of charges made to an account by an amount specified by the user. Payment history information is information that shows the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, etc.), and is information that associates the payment amount with the date the payment was made. Chat history information is a history of the content of chats made by the user.

Figure 6 is a diagram showing an example of the contents of affiliated store/store information 176. Store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store ID is associated with a store name. In addition to this information, affiliated store/store information 176 may also include information such as the affiliated store or store category, the store's location, and payment patterns.

[Summary of charge amount proposal]
The payment content providing unit 122 displays an interface screen including a reception area for receiving a charge of the proposed amount to an account on the display unit of the user terminal device 10. When the user performs an operation to start the payment application 20, the payment content providing unit 122 cooperates with the payment application to display a home screen on the display unit of the user terminal device 10. Cooperating with the payment application means, for example, that the payment server 100 and the payment application 20 communicate with each other to provide a service such as content to the user and transmit and receive information.

Figure 7 is a diagram showing an example of a home screen IM. The home screen IM1 includes QR codes (registered trademark) and barcodes used in electronic payments, and information about various electronic payment-related services. When the charge button B1 on the home screen IM1 is operated, the payment content providing unit 122 works with the payment app to display the charge screen IM2 of Figure 8 on the display unit of the user terminal device 10. Note that the charge screen IM2 may also be displayed on the display unit when an operation other than the charge button B1 is performed.

Figure 8 is a diagram showing an example of the charge screen IM2. The charge screen IM2 includes an area AR1. The area AR1 includes one or more charge buttons for specifying the amount to be charged. The right side of Figure 8 shows an enlarged view of the area AR1.

As in pattern A, the payment content providing unit 122 may display one or more charge buttons of predefined amounts in area AR1, independent of the user. The charge button is a button for determining the amount to be charged. In this case, when the charge button is operated and the confirm button is also operated, the amount corresponding to the charge button operated is charged to the user's account. The charge button may also be a button for confirming the amount to be charged. In this case, the operation of the confirm button is omitted, and the amount corresponding to the charge button operated is charged to the account.

As in pattern B, the payment content providing unit 122 may display in area AR1 a charge button ("+7000" in FIG. 8) for an amount determined based on the user's payment settlement history information or electronic money recharge history information. Area AR1 includes, for example, a charge button for an amount determined based on the user's payment settlement history information or electronic money recharge history information (an example of a first reception area) and a charge button for a specified recharge amount (an example of a second reception area). When the charge button for the amount determined based on the history information is operated, the amount determined based on the history information is charged to the user's account, and when the charge button for the specified recharge amount is operated, the specified recharge amount is charged to the user's account.

In this embodiment, pattern B will be described. Note that the user may decide whether to adopt pattern A or pattern B by operating the payment app 20.

In the following explanation, the specified amount may be referred to as the "specified amount", the charge button for the specified amount may be referred to as the "specified amount charge button", the amount determined based on historical information may be referred to as the "suggested amount", and the charge button for the suggested amount may be referred to as the "suggested amount charge button".

[flowchart]
9 is a sequence diagram showing an example of the flow of processing executed by the payment application 20 and the payment server 100. When a user performs an operation to display a charge screen on the display unit of the user terminal device 10, the payment application 20 transmits information indicating that the above operation has been performed to the payment server 100 (S100). Next, the determination unit 121 of the payment server 100 acquires the user's payment history information (S102) and determines the proposed amount based on the acquired payment history information (step S104).

Next, the payment content providing unit 122 of the payment server 100 generates content based on the proposed amount (S106) and transmits the generated content to the payment application 20 (S108). The payment content providing unit 122 generates content including a proposed amount charge button (content corresponding to the charge screen).

Next, the payment application 20 acquires the transmitted content and displays the acquired content on the display unit of the user terminal device 10 (S110). When the user operates the suggested amount charge button of the content, the payment application 20 transmits information based on the operation (information indicating that the suggested amount charge button has been operated) to the payment server 100 (S112). Next, the payment processing unit 124 charges the proposed amount associated with the suggested amount charge button to the user's account (S114). For example, the payment processing unit 124 performs charging in cooperation with a server device according to the charge method specified by the user. When charging is completed, the payment content providing unit 122 transmits a notification indicating that charging is completed to the payment application 20 (S116). This allows the user to recognize that charging is complete.

Note that some of the processes performed by the payment server 100 may be performed by the payment app 20. For example, the payment app 20 may acquire payment history information from the payment server 100 and determine the proposed amount based on the acquired payment history information (see Figures 19 and 20 described below). The payment app 20 may also acquire the proposed amount from the payment server 100 and generate content including a proposed amount charge button based on the acquired proposed amount.

[Specific example (part 1)]
The payment content providing unit 122 includes information indicating the reason for proposing the proposed amount in a setting area different from the proposed amount charge button (or a setting area within the proposed amount charge button), and displays an interface screen IM3 including the setting area on the display unit of the user terminal device 10.

Figure 10 is a diagram showing interface screen IM3. The determination unit 121 determines the proposed amount based on the payment amount for period T in the payment history information. The payment content providing unit 122 causes the display unit of the user terminal device 10 to display interface screen IM3 including a proposed amount charge button that includes the proposed amount "7,000". The reason for proposing the proposed amount is displayed on interface screen IM3. The reason is, for example, "the user has spent 7,000 yen in period T (e.g. last month)."

For example, when a user charges, the user may not be able to determine the appropriate amount to charge. For example, charging a large amount may not be ideal from the perspective of managing household finances, while charging a small amount may result in an increased number of charge operations. For this reason, as described above, by providing the user with a suggested amount determined based on payment history information, the user can recognize an approximate amount to charge and can more easily decide the amount to charge. In this way, convenience for the user is improved.

Furthermore, as mentioned above, by providing the user with reasons including the basis on which the proposed amount was calculated, the user feels more satisfied and the convenience for the user is further improved.

This may also be advantageous for the service provider. For example, when a server device that manages a bank account works in conjunction with the payment server 100 to charge an account on the payment server 100 from the balance of the bank account, the service provider may pay a fee to the bank. For example, if an agreement is made that a certain fee must be paid for each transaction, the fee to be paid increases with each transaction. When a suggested amount is not provided to the user as described above, the user may not charge the specified amount all at once, but may charge the specified amount in several installments. For example, a user may have this tendency if they are not sure of the amount they will use in a specified period of time.

In this embodiment, as described above, the proposed amount and the reasons are provided to the user, so that it is expected that the user will be able to charge the specified amount all at once, rather than charging the specified amount in several installments, thereby reducing the fees paid by the service provider. In this way, the above-described process can improve the convenience of the user and reduce the burden on the service provider.

[Specific example (part 2)]
In the above specific example (1), a proposed amount is provided based on the payment amount in the period T. In the specific example (2), in addition to (or instead of) this, a proposed amount is provided based on the payment amount in a period T1 that is different from the period T.

Figure 11 is a diagram showing interface screen IM4. The determination unit 121 determines the proposed amount based on the payment amount in period T1 (e.g., a period shorter than period T) in the payment history information. The payment content providing unit 122 causes the display unit of the user terminal device 10 to display interface screen IM4 including a proposed amount charge button that includes the proposed amount "3,500". The reason for proposing the proposed amount is displayed on interface screen IM4. The reason is, for example, "the user spent 3,500 yen in period T1."

For example, one user may consider the amount to charge or use based on time period T, while another user may consider the amount to charge or use based on time period T1. By providing suggested amounts and reasons for different periods as described above, it is possible to provide options that suit the user's preferences.

[Specific example (part 3)]
The payment content providing unit 122 may display a period designation button (period designation reception area) that accepts an operation to designate a period on the display unit of the user terminal device 10. FIG. 12 is a diagram showing interface screens IM5 and IM6. The payment content providing unit 122 displays period designation buttons "Period T1", "Period T2", and "Period T3" for changing the period for determining the proposed amount on the display unit of the user terminal device 10. The interface screen IM5 includes a proposed amount charge button corresponding to the period T. When the period designation button "Period T1" on the interface screen IM5 is operated, the payment content providing unit 122 displays the interface screen IM6 on the display unit of the user terminal device 10 instead of the interface screen IM5.

Interface screen IM6 includes a proposed amount charge button corresponding to period T1 instead of (or in addition to) the proposed amount charge button corresponding to period T. Interface screen IM6 includes a proposed amount charge button for "3,500" instead of the proposed amount charge button for "7,000" on interface screen IM5.

As described above, users can change the period for which the proposed amount is determined according to their preferences, further improving user convenience.

The payment server 100 or the payment app 20 may also determine the period to be used when automatically determining the proposed amount. For example, the payment server 100 may determine the above period based on past charge history (e.g., frequency). For example, the period for a user who charges monthly is one month, and the period for a user who charges weekly is one week. This allows a proposed amount to be suggested that matches the user's charge behavior, improving user convenience.

[Specific example (No. 4)]
The payment content providing unit 122 may include the timing information in a setting area different from the suggested amount charge button (or a setting area within the suggested amount charge button) and display an interface screen including the setting area on the display unit of the user terminal device 10. The timing information is information that indicates the time when the charge balance is predicted to fall below a threshold based on the user's past payment history information, assuming that the suggested amount is charged.

For example, the determination unit 121 may determine the proposed amount to be "5,000" based on the payment history information for the period T. In this case, the payment content providing unit 122 may display on the display unit of the user terminal device 10 content including information such as "Referring to past history, it is expected that the amount will be less than 500 yen in one week" or "It is predicted that charging will be necessary in one week" along with a proposed amount charge button for the proposed amount of "5,000".

This allows users to anticipate how often they will need to charge, and charge in a way that suits their circumstances and preferences, improving convenience for users.

[Specific example (No. 4)]
If the proposed amount determined based on the payment history information of the user's payment is less than the threshold, the payment content providing unit 122 causes the display unit of the user terminal device 10 to display an interface screen including a specified amount charge button that accepts charging a preset specified amount equal to or greater than the threshold to the account instead of the proposed amount. If the proposed amount determined based on the payment history information of the user's payment is greater than or equal to the threshold, the payment content providing unit 122 causes the display unit of the user terminal device 10 to display an interface screen including a proposed amount charge button that accepts charging the proposed amount to the account.

Figure 13 is a diagram for explaining a specific example (part 4). If the proposed amount (SC) based on the payment amount in period T is equal to or greater than the threshold Th, a proposed amount charge button is included on the interface screen, and if the proposed amount (SC) based on the payment amount in period T is less than the threshold Th, a specified amount charge button (e.g., a charge button for 5000) is included on the interface screen instead of (or in addition to) the proposed amount charge button.

For example, excessively small amounts are prevented from being proposed as the proposed amount. This reduces the number of times a charge is processed, which is advantageous for the service provider.

In the example of FIG. 13, if the proposed amount (SC) based on the payment amount in period T is less than the threshold value Th, the specified amount charge button displayed in place of the proposed amount charge button may not be displayed. If the proposed amount determined based on the payment history information of the user's payment is less than the threshold value, the payment content providing unit 122 may display an interface screen on the display unit of the user terminal device 10 that does not include the proposed amount charge button and the specified amount charge button displayed in place of the proposed amount charge button (for example, an interface screen that does not include "+5000" in the example of FIG. 13). This reduces unnecessary suggestions, improving convenience for the user.

[Specific example (No. 5)]
The determination unit 121 may determine the proposed amount based on payment history information of the user's payments, excluding outliers. The payment content providing unit 122 may display, on the display unit of the user terminal device 10, an interface screen including a proposed amount charge button for the proposed amount determined based on the payment history information excluding outliers.

Figure 14 is a diagram for explaining outliers. For example, when the basis is a day, a day with a payment amount greater than the threshold Th1 is an outlier. When the basis is a single payment, a payment amount greater than the threshold Th1 is an outlier. As described above, outliers may be based on any object, such as a day, a specified period, or a single payment amount. In this case, the proposed amount is determined based on the results of statistical processing of the payment amount excluding the outliers for the period T, or the payment amount with the outliers replaced with a specified value. Outliers may be determined using known methods, such as a determination method using standard deviation, a determination method using the Smirnoff-Grubbs test, or a determination method using quartiles.

For example, if a user who normally makes less than 2,000 yen in one transaction during a period T makes a transaction of 300,000 yen at an electronics store one day, the 30,0000 yen is treated as an outlier. In this case, the outlier transaction amount is replaced with a predetermined value to calculate the proposed amount. The predetermined value is, for example, the transaction amount excluding the outliers, or a value obtained by statistically processing this transaction amount. The predetermined value is, for example, the average transaction amount excluding the outliers during the period T, the median, or an amount obtained by multiplying the outlier by a coefficient that makes the outlier less than the threshold value Th1. As described above, outliers on the larger transaction amount side are subject to exclusion or replacement, and outliers on the smaller transaction amount side may be used as is, or the outliers on the smaller transaction amount side may also be subject to exclusion or replacement.

Figure 15 is a diagram for explaining the interface screen of specific example (part 5). For example, consider a user who normally charges several thousand yen at a time and makes payments of around 3,000 yen in period T. For example, if the user happens to make a payment at an electronics store as described above, if outliers are not excluded from the calculation of the proposed amount, the proposed amount may be one that the user would not normally charge, as shown in the upper diagram of Figure 15, and may not be suitable for the user.

Therefore, in the specific example (No. 5), the outlier is replaced with a predetermined value or excluded as described above to calculate the proposed amount. For example, the determination unit 121 replaces the outlier with a predetermined value and determines the proposed amount to be "6,000". The payment content providing unit 122 displays a proposed amount charge button of "6,000" on the display unit of the user terminal device 10, as shown in the lower diagram of Figure 15.

Furthermore, the payment content providing unit 122 displays the reason for proposing "6,000" on the display unit. The reason at this time may be, for example, that "6,000" was calculated excluding outliers (for example, excluding a payment of xx yen on xx month and xx day), or that the outliers were replaced with a predetermined value.

As described above, the determination unit 121 determines the proposed amount taking into account outliers, which prevents an exceptional proposed amount from being proposed to the user, and allows an appropriate proposed amount to be proposed to the user. This improves user convenience.

[Utilizing charge history information (part 1)]
In the embodiment including each of the above specific examples, the determination unit 121 has been described as determining the proposed amount using the payment history information, but instead of this, the proposed amount may be determined using the charge history information. For example, the determination unit 121 may determine the proposed amount based on the result of statistical processing of the charge amount. For example, the proposed amount may be determined based on the average value or median value of the charge amount. In this case, for example, information indicating that the proposed amount based on the result of statistical processing of the charge amount in a predetermined period is proposed is provided to the user. Note that, as shown in FIG. 12 above, the predetermined period may be changed by the user. Also, even when the proposed amount is determined using the charge history information, outliers regarding the charge amount may be taken into account. In the [Specific Example (7)] or [Specific Example (8)] described later, the proposed amount may also be determined using the charge history information instead of the payment history information.

[Specific example (No. 6)]
The determination unit 121 may determine the proposed amount based on the user's current charge balance and the user's payment history information. The payment content providing unit 122 causes the display unit of the user terminal device 10 to display an interface screen including a proposed amount charge button for the proposed amount taking into account the user's current charge balance and the payment history information.

Figure 16 is a diagram showing an example of an interface screen including a proposed amount charge button that indicates a proposed amount that takes into account the user's current charge balance and payment history information. For example, if it is estimated based on the payment history information that the user will make a payment of "9,000" yen on a specified due date, the determination unit 121 determines the proposed amount to be an amount that will result in a charge balance of "9,000" yen. For example, if the current balance is "2,000", the determination unit 121 determines "7,000" as the proposed amount. The specified due date may be a predetermined period, or a period based on the user's charge frequency (for example, if the charge frequency is weekly, the period is one week).

In addition, for example, the determination unit 121 may determine the proposed amount based on the charge history information indicating that the user tends to charge on a specific day (for example, the first day of each month) and the remaining charge balance at that time. For example, the determination unit 121 determines the proposed amount based on the payment history information so that the balance is the amount predicted to be used for payments within one month (a specified period). For example, if it is predicted that "9,000" will be paid in one month and the balance is "2,000", the proposed amount is "7,000".

Furthermore, the payment content providing unit 122 causes the display unit to display the reason for proposing "7,000." The reasons at this time may be, for example, that if "7,000" is charged, the balance will become "9,000," that the current balance is "2,000," that the average monthly payment is "9,000" yen, that the previous month's payment was "9,000" yen, etc.

As described above, the determination unit 121 determines the proposed amount based on the user's current charge balance and the user's payment history information, thereby improving user convenience.

[Specific example (No. 7)]
The payment content providing unit 122 displays an interface screen on the display unit of the user terminal device 10, including a suggested amount charge button for a suggested amount determined based on the user's payment history information, and a charge button for a charge amount different from the suggested amount. The charge amount different from the suggested amount may be determined based on the suggested amount. The above interface screen does not include a specified amount charge button that accepts charging an amount less than the suggested amount.

Figure 17 is a diagram showing an example of an interface screen that does not include a specified amount charge button that is less than the proposed amount. As shown in the upper diagram of Figure 17, for example, when the proposed amount is "5,000", the payment content providing unit 122 sets a specified amount charge button for a proposed amount that exceeds "5,000". As shown in the lower diagram of Figure 17, for example, when the proposed amount is "13,000", the payment content providing unit 122 sets a specified amount charge button for a proposed amount that exceeds "13,000".

As described above, the payment content providing unit 122 can improve user convenience by setting a specified amount charge button for a specified amount that exceeds the proposed amount. In addition, since the user can be prompted to charge an amount equal to or greater than the proposed amount, the number of charge processes is reduced, which is advantageous for the service provider.

[Specific example (No. 8)]
The payment content providing unit 122 displays an interface screen on the display unit of the user terminal device 10, the interface screen including a proposed amount charge button for a proposed amount determined based on the user's payment history information, and a charge button for a charge amount different from the proposed amount determined based on the proposed amount.

Figure 18 is a diagram showing an example of an interface screen including a charge button for a charge amount different from the proposed amount determined based on the proposed amount. For example, if the proposed amount is "20,000", the payment content providing unit 122 sets the specified amount based on "20,000". For example, the payment content providing unit 122 sets the specified amount charge button to an amount obtained by subtracting or adding a specified amount from the standard.

As described above, the payment content providing unit 122 sets the specified amount based on the proposed amount, allowing the user to easily select a charge amount that takes into account their payment tendencies. This improves user convenience.

The above-described embodiments may be implemented in appropriate combinations. For example, a process for changing the period of specific example (3) or a process related to outliers of specific example (5) may be applied to a desired specific example. In addition, any specific examples may be implemented in combination.

(Variation 1)
A first modification of the above-described embodiment will be described below. In the first modification, part of the processing performed by the payment server 100 is performed by the payment application 20. For example, the payment application 20 acquires payment history information from the payment server 100, determines a proposed amount based on the acquired payment history information, and further generates content based on the determined proposed amount. Note that the processing described in each specific example of the above-described embodiment may also be applied to the first modification.

[flowchart]
19 is a sequence diagram showing an example of the flow of processing executed by the payment application 20 and the payment server 100 in the first modified example. When a user performs an operation to display a charge screen on the display unit of the user terminal device 10, the payment application 20 transmits information indicating that the above operation has been performed to the payment server 100 (S200). Next, the decision unit 121 of the payment server 100 acquires the user's payment history information (S202) and transmits the acquired payment history information to the payment application 20 (S204).

Next, the payment application 20 acquires the transmitted payment history information and determines the proposed amount based on the acquired payment history information (step S206). Next, the payment application 20 generates content based on the proposed amount (S208) and displays the generated content on the display unit of the user terminal device 10 (S210). When the user operates the proposed amount charge button of the content, the payment application 20 transmits information based on the operation (information indicating that the proposed amount charge button has been operated) to the payment server 100 (S212). Next, the payment processing unit 124 charges the proposed amount associated with the proposed amount charge button to the user's account (S214). When the charge is completed, the payment content providing unit 122 transmits a notification indicating that the charge is completed to the payment application 20 (S216). This allows the user to recognize the completion of the charge.

As described above, the payment app 20 can improve user convenience by determining the proposed amount based on the payment history information of the user's payment.

(Variation 2)
The following describes a second modification of the embodiment described above. In the second modification, payment application 20 holds payment history information, determines a proposed amount based on the held payment history information, and generates content based on the determined proposed amount. Note that the processes described in the specific examples of the embodiment described above may also be applied to the second modification.

[flowchart]
20 is a sequence diagram showing an example of the flow of processing executed by the payment application 20 and the payment server 100 in the modified example 2. When a user performs an operation to display a charge screen on the display unit of the user terminal device 10, the payment application 20 refers to the user's payment history information stored in the storage device of the user terminal device 10 (S300) and determines the proposed amount (step S302).

Next, the payment app 20 generates content based on the proposed amount (S304) and displays the generated content on the display unit of the user terminal device 10 (S306). When the user operates the proposed amount charge button of the content, the payment app 20 transmits information based on the operation (information indicating that the proposed amount charge button has been operated) to the payment server 100 (S308). Next, the payment processing unit 124 charges the proposed amount associated with the proposed amount charge button to the user's account (S310). When the charge is complete, the payment content providing unit 122 transmits a notification indicating that the charge is complete to the payment app 20 (S312). This allows the user to recognize that the charge is complete.

As described above, the payment app 20 can improve user convenience by determining the proposed amount based on the payment history information of the user's payment.

In Patent Document 1, JP 2020-24495 A, the proposed charge amount is only displayed on the display unit, and the first reception area (proposed amount charge button) that accepts charging the proposed amount to the account is not displayed on the display unit as in the present embodiment. Similarly, Patent Document 1 does not "display on the display unit of the terminal device the first reception area and a second reception area (prescribed amount charge button) that is different from the first reception area and accepts charging the account with a prescribed charge amount different from the proposed amount." In Cited Document 1, the proposed charge amount is simply displayed on the display unit, and various operations are required when the user selects the charge amount. In contrast, in the present embodiment, the charge amount can be easily determined, which is highly convenient for the user.

The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made without departing from the spirit of the present invention.

REFERENCE SIGNS LIST 10 User terminal device 20 Payment application 50 First store terminal device 60 Store code image 70 Second store terminal device 100 Payment server 121 Decision unit 122 Payment content providing unit 124 Payment processing unit 170 Storage unit 172 User information 174 Payment content information

Claims (24)

A service providing device for providing a payment service by electronic payment,
a payment processing unit that settles a payment made by a user of the payment service by using a charge balance of electronic money charged to the user's account;
an acquisition unit that acquires a proposed amount, which is an amount of charge of electronic money proposed to the user, determined by statistically processing the payment amount of history information, which is a history of payment amounts using the payment service during a predetermined period, or the charge amount of history information, which is a history of charge amounts of electronic money during a predetermined period ;
a display control unit that transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for receiving an instruction to charge the account with the proposed amount;
the display control unit transmits information to the terminal device for displaying, on a display unit of the terminal device, the first reception area and a second reception area different from the first reception area and accepting a charge to the account of a specified charge amount different from the proposed amount;
Service providing device. The payment processing unit,
When information indicating that the first reception area has been tapped by a user is acquired from the terminal device, the proposed amount is charged to an account of the user;
When information indicating that the second reception area has been tapped by a user is acquired from the terminal device, the specified charge amount is charged to the account of the user.
The service providing device according to claim 1 . the display control unit transmits information to the terminal device for causing the interface screen including information indicating a reason for proposing the proposed amount in a setting area different from the first reception area or in a setting area within the first reception area to be displayed on a display unit of the terminal device, the setting area being included in the interface screen.
The service providing device according to claim 1 or 2. A service providing device for providing a payment service by electronic payment,
a payment processing unit that settles a payment made by a user of the payment service by using a charge balance of electronic money charged to the user's account;
an acquisition unit that acquires a proposed amount, which is an amount of charge of electronic money proposed to the user, determined by statistically processing the payment amount of history information, which is a history of payment amounts using the payment service during a predetermined period, or the charge amount of history information, which is a history of charge amounts of electronic money during a predetermined period ;
a display control unit that transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for receiving an instruction to charge the account with the proposed amount;
The display control unit is
transmitting information to the terminal device for causing the interface screen including time information to be displayed on a display unit of the terminal device, the interface screen including the setting area being different from the first reception area or in a setting area within the first reception area;
The timing information is information indicating a time when the charge balance is predicted to be equal to or less than a threshold based on the payment history information, assuming that the proposed amount is charged.
Service providing device. the proposed amount is a proposed amount determined based on the history information for a period designated by the user,
the display control unit transmits to the terminal device information for causing a period designation reception area for receiving an operation for designating the period to be displayed on a display unit of the terminal device;
The service providing device according to claim 1 or 2 . A service providing device for providing a payment service by electronic payment,
a payment processing unit that settles a payment made by a user of the payment service by using a charge balance of electronic money charged to the user's account;
an acquisition unit that acquires a proposed amount, which is an amount of charge of electronic money proposed to the user, determined by statistically processing the payment amount of history information, which is a history of payment amounts using the payment service during a predetermined period, or the charge amount of history information, which is a history of charge amounts of electronic money during a predetermined period ;
a display control unit that transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for receiving an instruction to charge the account with the proposed amount;
If the proposed amount is less than a threshold,
the display control unit transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for receiving a request to charge the account with a pre-set charge amount equal to or greater than the threshold amount instead of the proposed amount;
Service providing device. A service providing device for providing a payment service by electronic payment,
a payment processing unit that settles a payment made by a user of the payment service by using a charge balance of electronic money charged to the user's account;
an acquisition unit that acquires a proposed amount, which is an amount of charge of electronic money proposed to the user, determined by statistically processing the payment amount of history information, which is a history of payment amounts using the payment service during a predetermined period, or the charge amount of history information, which is a history of charge amounts of electronic money during a predetermined period ;
a display control unit that transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for receiving an instruction to charge the account with the proposed amount;
If the proposed amount is less than a threshold,
the display control unit transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen that does not include a first reception area for accepting charging the proposed amount to the account;
Service providing device. A service providing device for providing a payment service by electronic payment,
a payment processing unit that settles a payment made by a user of the payment service by using a charge balance of electronic money charged to the user's account;
an acquisition unit that acquires a proposed amount, which is an amount of charge of electronic money proposed to the user, determined by statistically processing the payment amount of history information, which is a history of payment amounts using the payment service during a predetermined period, or the charge amount of history information, which is a history of charge amounts of electronic money during a predetermined period ;
a display control unit that transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for receiving an instruction to charge the account with the proposed amount;
The proposed amount is determined based on history information of the user's payment settlement or electronic money charge history information, excluding outliers in the settlement amount or charge amount;
the display control unit transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for accepting charging to the account the proposed amount determined based on the history information excluding the outlier or the history information in which the outlier has been changed to a predetermined value;
Service providing device. The proposed amount is determined based on the current charge balance of the user and payment settlement history information of the user or electronic money charge history information;
the display control unit transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for accepting a charge to the account of the proposed amount taking into account the current charge balance of the user and the history information;
The service providing device according to claim 1 or 2 . A service providing device for providing a payment service by electronic payment,
a payment processing unit that settles a payment made by a user of the payment service by using a charge balance of electronic money charged to the user's account;
an acquisition unit that acquires a proposed amount, which is an amount of charge of electronic money proposed to the user, determined by statistically processing the payment amount of history information, which is a history of payment amounts using the payment service during a predetermined period, or the charge amount of history information, which is a history of charge amounts of electronic money during a predetermined period ;
a display control unit that transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for receiving an instruction to charge the account with the proposed amount;
the display control unit transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for accepting an instruction to charge the account with the proposed amount and a second reception area for accepting an instruction to charge the account with a preset charge amount different from the proposed amount;
the interface screen does not include a reception area for accepting a recharge of an amount less than the suggested amount;
Service providing device. the display control unit transmits information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for accepting a request to charge the proposed amount to the account, and a second reception area for accepting a request to charge the account with a charge amount different from the proposed amount determined based on the proposed amount;
The service providing device according to claim 1 or 2 . An application program for providing an electronic payment service,
On the computer,
Executing a control for settling a payment made by a user of the payment service using a charge balance of electronic money charged to the user's account;
obtain a proposed amount, which is an amount of electronic money to be charged to the user, determined by statistically processing the payment amounts in history information, which is a history of payment amounts using the payment service during a specified period, or the charge amounts in history information, which is a history of electronic money charge amounts during a specified period ;
displaying an interface screen including a first reception area for receiving an instruction to charge the proposed amount to the account on a display unit of the terminal device;
displaying an interface screen on a display unit of the terminal device, the interface screen including the first reception area and a second reception area different from the first reception area, the second reception area accepting a charge to the account of a specified charge amount different from the proposed amount;
An application program for executing a process. displaying the interface screen including information indicating a reason for proposing the proposed amount in a setting area different from the first reception area or in a setting area within the first reception area on a display unit of the terminal device;
13. The application program according to claim 12. An application program for providing an electronic payment service,
On the computer,
Executing a control for settling a payment made by a user of the payment service using a charge balance of electronic money charged to the user's account;
obtain a proposed amount, which is an amount of electronic money to be charged to the user, determined by statistically processing the payment amounts in history information, which is a history of payment amounts using the payment service during a specified period, or the charge amounts in history information, which is a history of electronic money charge amounts during a specified period ;
displaying an interface screen including a first reception area for receiving the proposed amount of money to be charged to the account on a display unit of the terminal device;
An application program for executing a process,
including time information in a setting area different from the first reception area or in a setting area within the first reception area, and displaying the interface screen including the setting area on a display unit of the terminal device;
The timing information is information indicating a time when the charge balance is predicted to be equal to or less than a threshold based on the payment history information, assuming that the proposed amount is charged.
Application program. the proposed amount is a proposed amount determined based on the history information for a period designated by the user,
displaying a period designation reception area for receiving an operation for designating the period on a display unit of the terminal device;
13. The application program according to claim 12 . An application program for providing an electronic payment service,
On the computer,
Executing a control for settling a payment made by a user of the payment service using a charge balance of electronic money charged to the user's account;
obtain a proposed amount, which is an amount of electronic money to be charged to the user, determined by statistically processing the payment amounts in history information, which is a history of payment amounts using the payment service during a specified period, or the charge amounts in history information, which is a history of electronic money charge amounts during a specified period ;
displaying an interface screen including a first reception area for receiving an instruction to charge the proposed amount to the account on a display unit of the terminal device;
If the proposed amount is less than a threshold,
displaying an interface screen on a display unit of the terminal device, the interface screen including a first reception area for receiving a request to charge the account with a pre-set charge amount equal to or greater than the threshold amount instead of the proposed amount;
An application program for executing a process. An application program for providing an electronic payment service,
On the computer,
Executing a control for settling a payment made by a user of the payment service using a charge balance of electronic money charged to the user's account;
obtain a proposed amount, which is an amount of electronic money to be charged to the user, determined by statistically processing the payment amounts in history information, which is a history of payment amounts using the payment service during a specified period, or the charge amounts in history information, which is a history of electronic money charge amounts during a specified period ;
displaying an interface screen including a first reception area for receiving an instruction to charge the proposed amount to the account on a display unit of the terminal device;
If the proposed amount is less than a threshold,
displaying, on a display unit of a terminal device, an interface screen that does not include a first reception area for receiving an instruction to charge the proposed amount to the account;
An application program for executing a process. An application program for providing an electronic payment service,
On the computer,
Executing a control for settling a payment made by a user of the payment service using a charge balance of electronic money charged to the user's account;
obtain a proposed amount, which is an amount of electronic money to be charged to the user, determined by statistically processing the payment amounts in history information, which is a history of payment amounts using the payment service during a specified period, or the charge amounts in history information, which is a history of electronic money charge amounts during a specified period ;
displaying an interface screen including a first reception area for receiving the proposed amount of money to be charged to the account on a display unit of the terminal device;
An application program for executing a process,
The proposed amount is determined based on history information of the user's payment settlement or electronic money charge history information, excluding outliers in the settlement amount or charge amount;
displaying, on a display unit of a terminal device, an interface screen including a first reception area for receiving a request to charge the account with the proposed amount determined based on the history information excluding the outlier or the history information in which the outlier has been changed to a predetermined value;
Application program. The proposed amount is determined based on the current charge balance of the user and payment settlement history information of the user or electronic money charge history information;
displaying, on a display unit of a terminal device, an interface screen including a first reception area for receiving a request to charge the account with the proposed amount that takes into account the current charge balance of the user and the history information;
13. The application program according to claim 12. An application program for providing an electronic payment service,
On the computer,
Executing a control for settling a payment made by a user of the payment service using a charge balance of electronic money charged to the user's account;
obtain a proposed amount, which is an amount of electronic money to be charged to the user, determined by statistically processing the payment amounts in history information, which is a history of payment amounts using the payment service during a specified period, or the charge amounts in history information, which is a history of electronic money charge amounts during a specified period ;
displaying an interface screen including a first reception area for receiving the proposed amount of money to be charged to the account on a display unit of the terminal device;
An application program for executing a process,
displaying an interface screen on a display unit of a terminal device, the interface screen including a first reception area for receiving an instruction to charge the account with the proposed amount and a second reception area for receiving an instruction to charge the account with a preset charge amount different from the proposed amount;
the interface screen does not include a reception area for accepting a recharge of an amount less than the suggested amount;
Application program. displaying an interface screen on a display unit of a terminal device, the interface screen including a first reception area for receiving a request to charge the proposed amount to the account, and a second reception area for receiving a request to charge the account with a charge amount different from the proposed amount determined based on the proposed amount;
13. The application program according to claim 12 . An application program according to claim 12 ;
a service providing device that provides a service to the user in cooperation with the application program,
The service providing device includes:
a payment processing unit that cooperates with the application program to settle payments made by the user;
a determination unit that determines a proposed amount, which is an amount of charge of electronic money to be proposed to the user, based on payment settlement history information of the user or electronic money charge history information;
a display control unit that cooperates with the application program to transmit information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for accepting the proposed amount of charge to the account;
Service delivery system. A computer of a service providing device that provides a payment service by electronic payment,
Settle the payment of the user by using the charge balance of electronic money charged to the account of the user of the payment service;
obtain a proposed amount, which is an amount of electronic money to be charged to the user, determined by statistically processing the payment amounts in history information, which is a history of payment amounts using the payment service during a specified period, or the charge amounts in history information, which is a history of electronic money charge amounts during a specified period ;
transmitting information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including a first reception area for receiving an instruction to charge the account with the proposed amount;
transmit information to the terminal device for displaying, on a display unit of the terminal device, an interface screen including the first reception area and a second reception area different from the first reception area, the second reception area accepting a charge to the account of a specified charge amount different from the proposed amount;
How we provide services. A computer of a service providing device that provides a payment service by electronic payment,
A process of settling a payment made by a user of the payment service using a charge balance of electronic money charged to the user's account;
a process of acquiring a proposed amount, which is an amount of charge of electronic money proposed to the user, determined by statistically processing the payment amount of history information, which is a history of payment amounts using the payment service during a specified period, or the charge amount of history information, which is a history of charge amounts of electronic money during a specified period ;
a process of transmitting information to the terminal device for displaying on a display unit of the terminal device an interface screen including a first reception area for accepting a charge of the proposed amount to the account, and transmitting information to the terminal device for displaying on a display unit of the terminal device an interface screen including the first reception area and a second reception area different from the first reception area for accepting a charge of a specified charge amount different from the proposed amount to the account ;
A program that executes the following.

Images