WO2023037509A1 - Serveur de traitement d'informations, procédé de traitement d'informations et programme - Google Patents

Serveur de traitement d'informations, procédé de traitement d'informations et programme Download PDF

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Publication number
WO2023037509A1
WO2023037509A1 PCT/JP2021/033375 JP2021033375W WO2023037509A1 WO 2023037509 A1 WO2023037509 A1 WO 2023037509A1 JP 2021033375 W JP2021033375 W JP 2021033375W WO 2023037509 A1 WO2023037509 A1 WO 2023037509A1
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WIPO (PCT)
Prior art keywords
points
user
payment
amount
predetermined
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PCT/JP2021/033375
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English (en)
Japanese (ja)
Inventor
穂高 向原
小笛 能勢
晃平 野口
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本田技研工業株式会社
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Application filed by 本田技研工業株式会社 filed Critical 本田技研工業株式会社
Priority to PCT/JP2021/033375 priority Critical patent/WO2023037509A1/fr
Priority to JP2023546681A priority patent/JPWO2023037509A1/ja
Publication of WO2023037509A1 publication Critical patent/WO2023037509A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Definitions

  • the present invention relates to an information processing server, an information processing method, and a program.
  • Patent Documents 1 and 2 there is known a technology that allows users to use points that they have received and accumulated to pay for products purchased by the user or services used by the user.
  • the points given are only used for specific payments, so the range in which the points can be used by the user is limited (that is, the convenience is not high). ).
  • the service providers that give points the more points they give to users, the more they discount the payment for services and products, which may reduce their profits.
  • Patent Document 3 the amount (surplus) paid in excess of the predetermined repayment amount is accumulated, and when the accumulated surplus is used for early repayment, the final repayment date is deleted.
  • a technique has been proposed that can reduce the repayment amount per payment. Also in this technique, the accumulated surplus money is only used for later repayments, and the range of utilization of the surplus money is limited. The user can only use the money previously paid for repayment later for the same purpose of repayment, and it is difficult for the user to feel that the surplus money can be used for another purpose.
  • the present invention has been made in view of the above-mentioned problems, and its object is to improve the convenience of the points given to the user for the service, and to reduce the substantial discount by giving the points to the service provider who provides the points. It is to provide the technology that makes it possible.
  • An information processing server that manages payment of usage fees for services by users, Acquisition means for acquiring payment information indicating the amount paid by the user for the service and the use of points; Accumulable first points given to the user according to the amount paid by the user for the service exceeding a predetermined reference amount, and the amount of usage fee paid by the user for the service point control means for controlling respective increases and decreases with the second points that can be accumulated to be awarded to the user in response; storage means for storing the cumulative value of the first points and the second points;
  • the point control means allows the user to set the number of the second points according to the number of the first points to be used.
  • An information processing server is provided that subtracts from the accumulated value of the second points held.
  • the purpose is to develop a technology that makes it possible to provide service users with high convenience of points and, for the service provider side that provides points, to reduce the substantial discount due to the provision of points. become available.
  • FIG. 2 is a block diagram showing an example of the software configuration of the information processing server according to this embodiment; A diagram for explaining an example of data in a user table according to this embodiment. A diagram for explaining an example of data in a payment information table according to the present embodiment A diagram for explaining an example of point table data according to the present embodiment.
  • Diagram 2 is a diagram showing a configuration example of a communication device according to this embodiment; A diagram for explaining advance points, earned points, and liabilities according to the present embodiment.
  • Diagram (1) for explaining an example of awarding advance points when there is no debt according to the present embodiment
  • Diagram (2) for explaining an example of awarding advance points when there is no debt according to the present embodiment
  • Diagram (1) for explaining an example of addition of debt (delinquency amount) when there is a debt according to the present embodiment A diagram for explaining an example of addition of debt (debt amount) when there is debt, according to the present embodiment.
  • Diagram (2) for explaining an example of addition of debt (delinquency amount) when there is a debt according to the present embodiment Flowchart (1) showing a series of operations of point award processing based on payment amount according to the present embodiment
  • FIG. 1 is a diagram showing a configuration example of an information processing system according to this embodiment.
  • An information processing system 10 includes, for example, an information processing server 100, communication devices 103, and communication devices 105.
  • FIG. Information processing system 10 may further include vehicle 101 .
  • the information processing server 100 is managed by a service provider that provides goods leasing services, for example, leasing goods such as the vehicle 101, providing maintenance services for the vehicle 101, and selling parts for the vehicle 101. It is an information processing device that
  • the vehicle 101 is lent (leased) to the user 102 by the goods leasing service.
  • the user 102 drives the vehicle 101 to provide a taxi service, and pays the service provider a lease fee for the vehicle 101 based on the sales of the taxi service.
  • the article leased by the article leasing service is the two-wheeled vehicle 101 will be described as an example, but the article may be a four-wheeled vehicle.
  • An article may be a part mounted on a vehicle, and an object leased by the article leasing service may be software executed on the vehicle.
  • the vehicle 101 may be able to communicate with the information processing server 100 .
  • data such as acceleration (also referred to as traveling data) collected by the sensors of the vehicle 101 is transmitted to the information processing server at any time or at a predetermined timing.
  • the information processing server 100 may use the acquired travel data to calculate the creditworthiness of the driver.
  • the information processing server 100 can determine whether the vehicle 101 is traveling in compliance with safety standards. For example, when the information processing server 100 determines that the vehicle 101 is traveling in compliance with the safety standards, the information processing server 100 may give the user 102 who is the driver predetermined creditworthiness.
  • the user 102 has a communication device 103, and uses the communication device 103 to access the information processing server 100 to perform necessary payment processing such as a lease fee to the service provider.
  • the information processing server 100 is a server used for the product leasing service, and manages the payment of usage fees for the leasing service by the user 102 .
  • the information processing server 100 pays not only the lease fee when leasing the vehicle, but also the maintenance fee paid by the user 102 for the vehicle 101 and the payment of the purchase cost of the parts purchased by the user 102. A part may be managed as payment of usage fee.
  • the information processing server 100 gives several points according to the payment status of the user 102. Both points are issued by the goods leasing service provider. A point is a unit of transaction that can be used for a given payment and can be converted into the currency of the country in which the service is provided, but not the currency. In this embodiment, an example will be described in which two points, advanced points (first points) and acquired points (second points), are used. Acquired points are given to the user according to the usage fee paid by the user 102 . Further, advance points are given to the user according to the amount paid by the user 102 for the service exceeding a predetermined reference amount (determined according to the amount of obligation to pay and the amount of debt, which will be described later).
  • a predetermined reference amount determined according to the amount of obligation to pay and the amount of debt, which will be described later.
  • the acquired points are points equivalent to 3,000 currency (in the example of this embodiment, 3000pt) is given.
  • the user pays the lease usage fee corresponding to the vehicle price of the vehicle 101
  • the acquired points corresponding to the vehicle price of the vehicle 101 are obtained.
  • the user 102 can pay the acquired points and apply them to the purchase cost of the vehicle 101 leased by the user 102 . By doing so, if the acquired points for the amount paid as the usage fee can be acquired and the acquired points can be applied to the purchase of the vehicle, the user will be highly motivated to pay the usage fee.
  • Acquired points can be used not only for purchasing the vehicle 101 , but also for maintenance costs for the vehicle 101 and purchase costs for parts to be attached to the vehicle 101 . In this way, by using earned points, the user can have the opportunity to substantially purchase the vehicle that he or she is being rented by paying a usage fee on a regular basis.
  • the advance points are used when the user 102 pays an amount exceeding the predetermined payment amount.
  • the number of points corresponding to the excess amount is awarded. For example, if user 102 is owed currency 400 at time t and user 102 pays currency 1000, then user 102 may be awarded 600 advance points.
  • the timing of payment of the usage fee at a certain time t can be postponed to a future timing from the timing of payment at time t. This procrastination can be done without penalizing the user 102, such as incurring debt.
  • Deferring payment using such advance points is beneficial for users whose income is not stable. For example, consider a case where the user 102 pays the service provider a lease fee for the vehicle 101 based on the sales of the taxi service every day (of course, it may be every certain day). In such cases, the user 102 may earn more than the applicable payment obligation on average, but the income may be erratic depending on the season, weather, disasters, etc. Income at a given time may not be able to pay the amount due. If payment cannot be deferred at some point, the amount owed usually becomes a liability and can lead to deterioration of the user's creditworthiness. However, by using the advance points, the user 102 can continue to pay the usage fee without incurring debt or damaging creditworthiness even if payment becomes difficult. Accordingly, user 102 may be motivated to make payments in excess of the amount owed in order to obtain such advance points.
  • the information processing server 100 subtracts the number of acquired points corresponding to the number of advanced points used from the cumulative value of acquired points owned by the user. In this way, the more advanced points are issued by the goods leasing service provider and the more the points are used, the more the service usage fee and purchase cost are effectively discounted, which can be reduced or eliminated. can.
  • the communication device 103 is a communication terminal used by the user 102 to make payment for the goods leasing service, and is configured to be able to communicate with the information processing server 100 .
  • the communication device 103 transmits to the information processing server 100, based on the operation of the user 102, payment information indicating the amount to be paid by the user 102 for the service and information regarding the use of points.
  • the amount that user 102 pays for the service can be specified by user 102 .
  • the amount to be paid for the service may be specified as an amount payable or an amount in excess of the amount payable to obtain Advance Points. Alternatively, it may be set to an amount less than the payment obligation amount. Information regarding the use of points will be provided later.
  • the communication device 105 is an information processing terminal for management used by the administrator 104 of the service provider.
  • a service provider administrator 104 changes the settings of the information processing server 100 via the communication device 105 .
  • the administrator 104 can give any number of advance points to the user via the communication device 105 .
  • the administrator 104 may give the user 102 a predetermined number of advance points.
  • a predetermined number of advance points may be given to the user.
  • a predetermined number of advance points are given to the user. good too.
  • a predetermined number of advance points may be given to the user.
  • the information processing server 100 additionally adds advance points in accordance with the instructions or conditions. may be given to the user at
  • FIG. 2 is a block diagram showing a configuration example of the information processing server 100.
  • the control unit 200 includes one or more CPU (Central Processing Unit) 201 , ROM (Read Only Memory) 202 , and RAM (Random Access Memory) 203 .
  • the CPU 201 reads and executes a program (computer program) stored in the ROM 202 or storage 206 to control various processes described below.
  • ROM 202 is, for example, a semiconductor memory.
  • the ROM 202 includes a nonvolatile storage area and stores programs corresponding to various processes.
  • a RAM 203 includes a volatile storage area and is used as a work memory, for example.
  • the control unit 200 may include a GPU (Graphics Processing Unit), an ASIC (Application Specific Integrated Circuit), or a dedicated circuit.
  • the power supply unit 204 is a part that supplies power to the information processing server 100 from the outside.
  • the communication unit 205 is a part for communicating with the vehicle 101, the communication device 105, and the like via a communication network, and the communication method, communication protocol, and the like are not particularly limited.
  • the storage 206 includes, for example, a non-volatile storage medium such as a HDD (Hard Disk Drive) or an SSD (Solid State Drive), and includes programs executed by the control unit 200, an operating system, and data in the user information DB 313, which will be described later. can store at least one of
  • FIG. 3 is a diagram showing an example of the software configuration of the information processing server 100 according to this embodiment.
  • each processing unit is implemented by the CPU 201 reading and executing a computer program stored in the ROM 202, the storage 206, or the like.
  • each DB database
  • each software configuration shows only configuration examples necessary for implementing the present embodiment, and each software configuration such as firmware, OS, middleware, and web service modules is omitted.
  • the user information providing unit 301 provides user information indicating the user's payment status to the communication device 103 in response to a request from the communication device 103 .
  • the user information indicating the user's payment status includes the total payment amount that the user has paid so far for the leased object, the user's payment obligation, the current number of acquired points, the current number of advanced points, and at least one of liabilities (delinquent amount and debt amount).
  • the amount in arrears is, for example, the amount that the user 102 is in arrears in payment of the amount due.
  • the amount of debt is, for example, the amount of purchase costs for predetermined parts and maintenance costs that have not yet been paid.
  • the payment information acquisition unit 302 acquires payment information transmitted from the communication device 103.
  • the payment information acquisition unit 302 acquires the amount paid by the user 102 for the service and information on the use of points by the user 102 from the payment information.
  • the payment information acquisition unit 302 determines, from the payment information, whether or not the user uses points, whether the user uses acquired points or advanced points, and for what purpose the points are used. (allocation to lease fee, maintenance cost, or part purchase cost) and how many points are to be used.
  • the point control unit 303 controls the increase or decrease of the points owned by the user 102, including the granting of points to the user 102, according to the content of the user's 102 payment information. For example, the point control unit 303 calculates an increase or decrease in the number of advanced points and the number of acquired points, and updates the point table 312 (of the user information DB 313) based on the calculated points. The point control unit 303 converts the amount paid by the user 102 into the number of acquired points, and gives the converted number of points to the user 102 . Further, the point control unit 303 converts the amount to be paid in excess of the payment obligation amount into the number of advance points, and gives the converted number of points to the user 102 . The point control unit 303 stores the awarded points in the point table 312 (of the user information DB 313) for each user.
  • virtual currency issued and managed by a product leasing service provider may be used for earned points and advanced points.
  • the user 102 may settle the rental fee and maintenance fee with the provided virtual currency.
  • the virtual currency may be, for example, one whose value is not linked to the currency used for normal transactions.
  • general-purpose virtual currency other than the virtual currency provided by the goods leasing service provider may be used for the points.
  • the points are not limited to the above example, and may be points that can be converted into money at a predetermined ratio with the currency used for normal transactions.
  • the payment processing unit 304 performs payment processing for the user 102 according to the content of the payment information.
  • the payment process may be, for example, a process of withdrawing the payment amount from an account held by the user 102, or a process of making a payment using virtual currency. If the driver wishes to use the given points to pay the rental fee or maintenance fee, the payment processing unit 304 performs payment processing by reflecting the points in the payment.
  • User information DB 313 stores information about users, and includes user table 311 , payment information table 312 and point table 313 . User information, payment information, and point information are stored in order in these tables. Each piece of information will be described below.
  • the user table 310 stores user information.
  • User information includes, for example, the information shown in FIG.
  • User information includes, for example, user ID 401 , user attribute 402 , belonging group 403 , and creditworthiness 404 .
  • a user ID 401 is a user identifier.
  • User attributes 402 include information unique to the user, such as the user's date of birth, contact phone number, address, and the like.
  • the group 403 to which the user belongs indicates, for example, a group of 3 or 5 people to which the user belongs.
  • Trustworthiness 404 may include, for example, a degree of trust in an individual and a degree of trust in a group.
  • the creditworthiness of an individual is calculated, for example, based on travel data transmitted from the vehicle 101 driven by the user 102 to the information processing server 100 according to the number of times and days of travel that meet safety standards.
  • an individual's creditworthiness may be set so as to increase when the amount of repayment obligation is paid more than a predetermined number of times without delinquency, or when the accumulation of advance points reaches a certain level or more.
  • the calculated degree of creditworthiness may be converted into points, for example.
  • the payment information table 311 stores payment information.
  • the payment information includes, for example, the information shown in FIG.
  • Payment information includes information on individual leases provided in the goods leasing service.
  • payment information includes lease ID 501 , lease information 502 , repayment information 503 , debt information 504 and target user 505 .
  • Lease ID 501 is an identifier that identifies the provided lease.
  • the lease information 502 includes a lease start date, a scheduled repayment end date, a lease amount indicating the total lease amount, and the like.
  • the repayment information 503 includes the payment amount that has been paid so far, the final payment date that indicates the most recent payment date, and the like.
  • the debt information 504 includes the amount of arrears and the amount of debt.
  • the amount in arrears is, for example, the amount that user 102 is behind in paying the amount due.
  • the amount of debt is, for example, the amount of purchase costs for predetermined parts and maintenance costs that have not yet been paid.
  • a target user 505 represents a user who uses the lease.
  • Point information includes, for example, the information shown in FIG.
  • the point information includes, for example, a user ID 601 and awarded points 602 .
  • the user ID is the same information as the user ID 401 and is a user identifier.
  • the awarded points 602 include the number of acquired points described above and the number of advance points described above.
  • a configuration example of the communication device 103 will be described with reference to FIG.
  • a smartphone is used as an example of a communication device, but the communication device 103 may be another electronic device such as a personal computer or a tablet terminal.
  • the functional blocks described with reference to the subsequent drawings may be integrated or separated, and the functions described may be realized by separate blocks. Also, what is described as hardware may be implemented in software, and vice versa.
  • the communication unit 701 includes, for example, a communication circuit and the like, and connects to the Internet via mobile communication such as LTE and 5G, or connects to a network via wireless LAN communication, and communicates with the information processing server 100. communication.
  • the control unit 702 includes a CPU 710 , a ROM 711 and a RAM 712 , and controls the operation of each unit in the communication device 103 by the CPU 710 executing computer programs recorded in the ROM 711 or the storage 707 , for example.
  • the operation unit 703 includes buttons and a touch panel provided in the communication device 103, and the user 102 can operate GUIs for various operations displayed on the display unit 706.
  • a power supply unit 704 includes, for example, a battery, and provides power to each unit of the communication device 103 .
  • the imaging device 705 is, for example, a camera mechanism including an imaging device, and performs imaging according to instructions from the control unit 702 .
  • the display unit 706 includes a display device such as LCD or OLED.
  • the display unit 706 displays user information received from the information processing server 100 according to an instruction from the control unit 702 .
  • the display unit 706 displays the total payment amount that the user 102 has paid so far for the leased object, the payment obligation of the user 102, the current number of acquired points held, the current number of advanced points held, and , and/or debt (amount in arrears and amount owed).
  • the display unit 706 may changeably display the amount that the user 102 pays for the service and the points that the user 102 uses, which are set by the user 102 .
  • the storage 707 includes a non-volatile memory such as a semiconductor memory, for example, and holds computer programs executed by the control unit 702 and setting values.
  • Computer programs held in the storage 707 include an operating system and various applications for realizing various functions of the communication device 103 .
  • the voice input device 708 includes, for example, a microphone, and inputs voice uttered by the user 102 using the communication device 103 .
  • the voice input device 708 may have the function of not only inputting the voice uttered by the user 102, but also recognizing the voice uttered by the user 102 and inputting input information to the application. For example, user 102 may use voice to enter the amount to pay for a service or the number of points to use.
  • the configuration of communication device 105 may be substantially similar to that of communication device 103 .
  • the CPU 710 of the communication device 105 controls the operation of each unit in the communication device 105 by executing a computer program recorded in the storage 707 of the communication device 105, for example.
  • Stage 800a shows a case where the user 102 has made payments of 3000 currency multiple times, and has been given 3000 points (points) for the payments. At this stage, user 102 has not been awarded advance points and user 102 has no debt. The daily payment obligation that the user 102 must pay for the lease is set at 400 currency.
  • the total payment amount would be 4000 currency, as shown at step 800b.
  • the earned points of the user 102 are 4000pt. Since the due amount for the day is 400, the user 102 has paid 600 currency over the due amount. For this reason, the user 102 is awarded 600pt of advance points.
  • Step 800c shows the user 102 having paid 400pt of Advance Points after step 800b. The number of Advance Points has been reduced by 400 points to 200 points. At this time, when the payment of the payment obligation is postponed, the number of acquired points is not subtracted.
  • the granted advance points can be applied to payment of maintenance fees for maintenance provided in the goods leasing service, in addition to the use of being able to postpone the payment of the payment obligation. For example, in step 800c, if a maintenance fee of 400 currency was paid with advance points, then step 800d would occur. At step 800d, the advance points run out and become zero. In addition, since the amount of advance points held was not enough for the maintenance cost of 400 currency, the liability was added by 200 currency. If Advance Points are used to pay maintenance fees for maintenance provided in the goods leasing service, earned points will be subtracted by the amount of Advance Points consumed.
  • the payment of the payment obligation is postponed (due to the payment of advance points), although the payment of the lease fee by the user 102 is delayed, the debt does not increase. less risk of delinquency in payments.
  • the advance points are used up when the payment of the payment obligation is postponed, it does not mean that the service provider is providing any service at a discount.
  • the maintenance fee may be discounted by the amount of the advanced points given. For this reason, in the present embodiment, the amount of advance points used by the user for maintenance costs is subtracted from the acquired points. By doing so, it is possible for the service provider side that provides points to avoid a substantial discount due to the provision of advance points.
  • the advance points can be used to postpone the repayment of the lease or to pay maintenance costs, so the points are more convenient.
  • control unit 200 of the information processing server 100 controls the increase/decrease in points, the payment amount, and the liability to be described.
  • FIG. 8B shows an example in which advance points are given according to the user's payment amount.
  • the payment amount 801 for this day due to good sales on the day
  • the user exceeds the payment obligation.
  • the user has no debt, and the payment obligation is the same as the daily lease payment 802 . Therefore, the user is given advance points 804 for the excess 803 of the payment amount 801 .
  • Fig. 8C shows an example of a method of allocating advance points already held.
  • This example shows an example where the user uses the advance points to pay the amount due.
  • the user on day t, the user has advance points 804 because he paid the payment 801 such that he has a surplus 803 .
  • the payment amount 805 does not reach the payment obligation amount, for example, because the sales on that day were poor.
  • the user can apply the advance points so that the payment amount becomes the payment obligation amount. If advance points are used to apply the payment obligation, the user's advance points are reduced by the number of advanced points applied, such as advance points 806 .
  • Fig. 8D shows an example where the payment amount decreases on the next day, the t+2nd day.
  • arrears 809 that is, debt
  • the user has liabilities 810 that include delinquent amounts and debt amounts.
  • part of the debt 810 is added as the repayment obligation amount 811 to the payment obligation amount. That is, the repayment obligation amount is set higher than the lease payment.
  • the repayment obligation amount is set higher than the lease payment.
  • the user on day t, the user has paid more than the amount owed. This payment amount is greater than the sum of the lease payment and the liability 810 .
  • the user has paid off all the debts he originally had (debt repayments 813 ) and has a surplus 812 .
  • the amount of surplus 812 is given to the user as advance points.
  • FIG. 8F shows a case where the payment amount on the tth day is lower than the example shown in FIG. 8E under the same preconditions as shown in FIG. 8E.
  • the payment amount shown in FIG. 8F is enough to pay the lease fee, but not enough to pay off the full amount of the debt.
  • the information processing server 100 first applies the payment amount of the user to the payment of the debt amount, and then applies it to the payment of the delinquency amount.
  • the delinquent amount will extend the period of full payment of the lease fee, but even if this is done, the effect on the profit rate will be negligible.
  • the risk is increased by the goods leasing service provider, as the debt will be leasing in addition to leasing the vehicle.
  • the debt processing is controlled so that the debt amount is preferentially repaid over the delinquent amount.
  • the lease payment and the debt are repaid with the payment amount on the tth day, and the remaining arrears amount 815 that cannot be repaid with the payment amount becomes the new debt amount.
  • FIG. 8G shows a case where the payment amount on the tth day is even lower than the example shown in FIG. 8F under the same preconditions as in FIGS. 8E and 8F.
  • the debt repayment amount 813 that can be repaid is even smaller.
  • the information processing server 100 calculates the remaining debt 816 that could not be paid with the payment amount as the next day's debt.
  • the user fails to pay more than the repayment obligation amount (newly calculated by adding a portion of the liability 810), the user is awarded points representing a penalty count. For example, when the penalty points have been counted up to a predetermined value, the information processing server 100 may determine that the user's creditworthiness is gone and terminate the continuation of the lease.
  • FIG. 8H shows a case where the payment amount on the tth day is even lower than the example shown in FIG. 8G under the same preconditions as in FIGS. 8E to 8G.
  • the payment amount is lower than the lease payment.
  • the information processing server 100 gives the unpaid lease fee to the liability 816 as an additional delinquency amount.
  • the control unit 200 In S402, the control unit 200 generates user information indicating the current payment status, and transmits the generated user information to the communication device 103 of the user.
  • the user information indicating the payment status includes, as described above, the total payment amount that the user has paid so far for the leased object, the user's payment obligation, the number of points currently acquired, and the number of advanced points currently held. At least one of the number of points and debt (amount of delinquency and amount of debt) may be included.
  • the control unit 200 acquires from the communication device 103 the information indicating the amount of payment transmitted to the server and the advance points to be used.
  • the payment amount corresponds to, for example, the lease payment shown in FIG. 8A, the payment amount 801 shown in FIG. 8B, or the payment amount 805 shown in FIG. 8C.
  • the payment amount is the amount that the user has determined and entered into the communication device 103 as the amount to be paid for the payment obligation for that day.
  • the advance points correspond to, for example, the advance points shown in FIG. 8A, the advance points 804 shown in FIG. 8C, or the advance points 806 shown in FIG. 8D.
  • the number of advance points is the number of points that the user has determined and input to the communication device 103 as the number of points to be used on that day. If the user does not use the advance points, the advance points to be used should be set to 0 in the communication device 103 .
  • control unit 200 determines whether the acquired payment amount is greater than or equal to the payment obligation amount. If the payment amount is equal to or greater than the payment obligation amount, the process proceeds to S408; otherwise, the process proceeds to S420.
  • the control unit 200 determines whether the user has any debt. For example, the control unit 200 refers to the payment information table 311 of the user information DB 313 and determines that the user has a debt when the user's debt is greater than zero. If the control unit 200 determines that the user has a debt, the process proceeds to S410; otherwise, the process proceeds to S416.
  • the control unit 200 determines whether or not the amount of debt acquired at S404 can be paid in full. For example, the control unit 200 subtracts the repayment amount from the payment amount acquired in S404, and if the remaining amount is larger than the user's 102 debt amount, determines that the debt amount can be paid off. If the debt amount can be paid off, it corresponds to, for example, the state of the tth day shown in FIG. 8E. If the control unit 200 determines that the amount of debt can be paid in full, the process proceeds to S414; otherwise, the process proceeds to S412.
  • the control unit 200 reduces the debt amount prior to the delinquency amount, and updates the debt amount.
  • the state in which the payment amount obtained in S404 cannot pay off the debt amount corresponds to the state in FIGS. 8F and 8G described above.
  • the control unit 200 gives priority to repayment of the debt amount over repayment of the delinquent amount.
  • the control unit 200 updates the payment information table 311 of the user information DB 313 according to the new user's payment amount and debt amount.
  • control unit 200 updates the debt amount to 0. That is, the control unit 200 updates the payment information table 311 of the user information DB 313 according to the new user's payment amount and debt amount.
  • the control unit 200 updates the advance points and acquired points. For example, the control unit 200 calculates new advance points according to the payment amount, advance points, and debt amount acquired in S404 and updates the point table 312 of the user information DB 313 . For example, when there is an amount to be paid (that is, a surplus amount) that exceeds the payment obligation amount, the control unit 200 gives advance points to the user according to the excess amount. Also, the control unit 200 calculates the acquired points according to the payment amount acquired in S404 and updates the point table 312 of the user information DB 313 . In addition, in the explanation of FIG.
  • control unit 200 subtracts the number of acquired points according to the number of used advance points. The control unit 200 then ends this process.
  • the control unit 200 determines whether the user has a debt. For example, the control unit 200 refers to the payment information table 311 of the user information DB 313 and determines that the user has a debt when the user's debt is greater than zero. If the control unit 200 determines that the user has a debt, the process proceeds to S424; otherwise, the process proceeds to S422.
  • the control unit 200 determines whether the amount due can be paid using the advanced points held. For example, the control unit 200 determines whether the sum of the payment amount and the held advance points is equal to or greater than the payment obligation amount. If the sum of the payment amount and the held advance points is equal to or greater than the payment obligation amount, the control unit 200 advances the process to S426; otherwise, the process advances to S424.
  • control unit 200 sets the difference between the payment amount and the payment obligation amount as the delinquency amount, and updates the payment information table 311 of the user information DB 313 (for example, corresponding to the state shown in FIG. 8D).
  • the control unit 200 updates at least one of the advance points and the earned points. For example, the control unit 200 calculates new advance points according to the payment amount, advance points, and debt amount acquired in S404 and updates the point table 312 of the user information DB 313 . Also, the control unit 200 calculates the acquired points according to the payment amount acquired in S404 and updates the point table 312 of the user information DB 313 . The control unit 200 then ends this series of processes.
  • the information processing server 100 that manages the user's payment of the usage fee for the service acquires from the communication device 103 the payment information indicating the user's payment amount and use of points.
  • the information processing server 100 provides accumulative advance points given to the user according to the amount the user has paid for the service exceeding a predetermined reference amount (the amount of payment and the amount of the liability), It controls the respective increases and decreases with the accumulative earned points given to the user according to the amount of the usage fee paid.
  • the information processing server 100 sets the number of acquired points corresponding to the number of advanced points used to the number of acquired points owned by the user. Changed to subtract from cumulative value.
  • the advance points can be used to pay maintenance costs in addition to repaying the lease, so the points are more convenient.
  • the information processing server 100 uses a predetermined amount of advance points so that the timing of payment is set later than the current day, for example. I tried to procrastinate to the timing of In this case, the control unit 200 does not subtract the number of acquired points corresponding to the number of advanced points used from the accumulated acquired points owned by the user.
  • the user can use the advance points acquired by the advance payment to postpone the payment timing of the payment obligation (such as the lease fee). That is, the user can fulfill the payment obligation without paying money (using points).
  • the payment timing of the payment obligation such as the lease fee
  • the user's payment is delayed for, for example, about one day, and the service is not discounted, so it is possible to provide the user with a low-risk incentive to use points. .
  • the information processing server (for example, 100) of the above embodiment is an information processing server that manages payment of usage fees for services by users, Acquisition means (e.g., 302) for acquiring payment information indicating the amount paid by the user for the service and the use of points; accumulative first points (advance points) awarded to the user according to the amount paid by the user for the service in excess of a predetermined threshold; and usage paid by the user for the service
  • Point control means for example, 303 for controlling the increase and decrease of second points (acquired points) that can be accumulated to the user according to the amount of fees; storage means (e.g., 312) for storing the cumulative value of the first point and the second point;
  • the point control means allows the user to set the number of the second points according to the number of the first points to be used.
  • An information processing server characterized by subtracting from the accumulated value of the second points held for example, steps 800
  • the advance points can be used to postpone the repayment of the lease or to pay maintenance costs, so the points are more convenient.
  • the payment includes a payment in which the user is obliged to pay a predetermined usage fee at each predetermined payment timing,
  • the point control means adjusts the predetermined payment timing to the predetermined amount by using a predetermined amount of the first points.
  • the payment timing is postponed to a future timing, and the number of the second points corresponding to the number of the first points used is not subtracted from the accumulated value of the second points.
  • the advance points acquired by the user through prepayment can be used to postpone the payment timing of the payment obligation (such as the lease fee).
  • the user can fulfill the payment obligation using points that do not require monetary payment.
  • the product leasing service provider the user's payment is delayed for, for example, about one day, and the service is not discounted, so it is possible to provide the user with a low-risk incentive to use points. .
  • the point control means controls the amount exceeding the predetermined usage fee.
  • the number of points of the first points corresponding to the number of points is given to the user.
  • the user is more motivated to pay an amount that exceeds the payment obligation (usage fee) considering the benefits of being awarded points.
  • usage fee the payment obligation
  • the payment of the usage fee is promoted, so the risk of non-payment and bad debt is reduced.
  • the point control means responds to an instruction from an administrator of the information processing server or according to satisfaction of a condition set by an administrator of the information processing server, according to the instruction or according to the condition A first point number of points can also be awarded to the user.
  • incentives can be given to the user by the goods leasing service provider when the user performs some kind of good deed. Also, if advance points are given, the service provider does not take money out. Even if the user uses the advance points, the number of acquired points according to the use is subtracted from the accumulated value of acquired points, so that the user can be given an incentive without taking money out of the service provider side.
  • the predetermined use is payment of a maintenance fee for a predetermined article different from the usage fee for the service
  • the point control means reduces the number of used first points to the maintenance cost of the predetermined goods. Appropriate for payment.
  • advance points can be used for services other than payment of usage fees, such as vehicle maintenance services, thereby improving convenience for the user.
  • the point control means controls that the sum of the payment amount for the predetermined usage fee to be paid at the predetermined payment timing in the payment information and the number of the first points allocated by the user is equal to the predetermined payment timing. is smaller than the predetermined usage fee, the storage means further stores the shortfall.
  • the point control means adds at least part of the deficit to the predetermined usage fee to calculate the amount to be paid at the future timing.
  • the lease service provider can more reliably collect the usage fee from the user.
  • At least part of the shortfall amount can be set to be less than a predetermined upper limit amount.
  • the debt can be divided and repaid little by little, so the user's motivation for payment is improved.
  • the point control means applies the amount to be paid by the user at the future timing to the payment of the predetermined usage fee and then to the payment of the deficit.
  • the payment of the usage fee is preferentially executed, so the payment amount is compared. Even users with a small number of users can easily continue to pay the usage fee.
  • the deficit includes a first deficit as a delinquent usage fee and a second deficit as a debt due to the use of services or the purchase of goods,
  • the point control means applies the amount paid by the user to the payment of the second shortfall before the first Appropriate to pay the shortfall.
  • delinquency only delays the payment period, so the impact on the profit margin of the leasing service provider is suppressed.
  • Debt increases the risk for the leasing service provider, as it lends money on top of leasing the vehicle.
  • the loan risk can be reduced by prioritizing debt repayment over delinquency.
  • the user's creditworthiness can be appropriately evaluated.
  • the second points can be applied to the purchase cost of a predetermined article.
  • acquired points for example, having a value equal to the amount paid
  • the information processing method in the above embodiment is an information processing method executed by an information processing server that manages payment of usage fees for services by users, obtaining payment information indicating the amount the user pays for the service and the use of points; accumulative first points (advance points) awarded to the user according to the amount paid by the user for the service in excess of a predetermined threshold; and usage paid by the user for the service controlling the respective increases and decreases with accumulative second points (acquired points) given to the user according to the amount of the charge; storing the cumulative value of the first point and the second point; Controlling the increase/decrease of each of the first points and the second points means that if the payment information indicates that the first points will be used for a predetermined purpose, the number of the first points used will be The corresponding number of second points is subtracted from the cumulative value of the second points held by the user.
  • the advance points can be used to postpone the repayment of the lease or to pay maintenance costs, so the points are more convenient.
  • the computer program in the above-described embodiment is a computer program for causing a computer to function as each means of an information processing server that manages payment of usage fees for services by users, wherein the information processing server: means for obtaining payment information indicating the amount the user pays for the service and the use of points; accumulative first points (advance points) awarded to the user according to the amount paid by the user for the service in excess of a predetermined threshold; and usage paid by the user for the service means for controlling increase or decrease of second points (acquired points) that can be accumulated to the user according to the amount of charge; means for storing the cumulative value of the first points and the second points; The means for controlling the increase and decrease of the first points and the second points, when the payment information indicates that the first points are to be used for a predetermined purpose, determines the number of the first points to be used. a computer program for subtracting the number of second points according to the second points from the cumulative value of the second points owned by the user.
  • the advance points can be used to postpone the repayment of the lease or to pay maintenance costs, so the points are more convenient.
  • 100 information processing server 103 communication device, 105 communication device, 301 user information providing unit, 302 payment information acquisition unit, 303 point control unit, 304 payment processing unit, 310 user table, 311 payment information table, 312 point table

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Abstract

La présente invention concerne un serveur de traitement d'informations qui gère le paiement d'un tarif de service par un utilisateur et comprend : un moyen d'acquisition qui acquiert des informations de paiement indiquant le montant à payer pour le service par l'utilisateur et l'utilisation de points pour celui-ci; un moyen de commande de point qui commande l'augmentation/la diminution de chacun d'un premier point qui peut être accumulé et qui est donné à l'utilisateur en fonction du montant à payer dépassant une quantité de référence prédéterminée pour le service par l'utilisateur et d'un second point qui peut être accumulé et qui est donné à l'utilisateur en fonction du montant de frais d'utilisation payés par l'utilisateur pour le service; et un moyen de stockage qui stocke les valeurs accumulées du premier point et du second point. Lorsque les informations de paiement indiquent l'utilisation du premier point pour un usage spécifique, le moyen de commande de point soustrait, de la valeur accumulée du second point conservé par l'utilisateur, la valeur de point du second point qui dépend de la valeur de point utilisée du premier point.
PCT/JP2021/033375 2021-09-10 2021-09-10 Serveur de traitement d'informations, procédé de traitement d'informations et programme WO2023037509A1 (fr)

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PCT/JP2021/033375 WO2023037509A1 (fr) 2021-09-10 2021-09-10 Serveur de traitement d'informations, procédé de traitement d'informations et programme
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Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002163458A (ja) * 2000-11-27 2002-06-07 Ogaki Kyoritsu Bank Ltd 口座振替管理方法及び同管理装置
JP2003271826A (ja) * 2002-03-15 2003-09-26 Toshiba Corp 自動引落処理システム、コンピュータ、コンピュータプログラム、自動引落処理方法
JP2004164074A (ja) * 2002-11-11 2004-06-10 Sega Corp 決済システム、釣り銭預金システム、決済処理方法及びプログラム
JP2012203598A (ja) * 2011-03-25 2012-10-22 Toshiba Tec Corp 商品販売データ登録処理装置
JP2016177574A (ja) * 2015-03-20 2016-10-06 株式会社日立システムズ 保証契約処理装置、保証契約処理方法、及びプログラム
JP2017182833A (ja) * 2017-06-07 2017-10-05 株式会社 ディー・エヌ・エー ユーザの信用情報を管理するシステム、方法、及びプログラム
JP2020129264A (ja) * 2019-02-08 2020-08-27 株式会社オーバルギア 情報処理装置、情報処理方法、およびプログラム

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002163458A (ja) * 2000-11-27 2002-06-07 Ogaki Kyoritsu Bank Ltd 口座振替管理方法及び同管理装置
JP2003271826A (ja) * 2002-03-15 2003-09-26 Toshiba Corp 自動引落処理システム、コンピュータ、コンピュータプログラム、自動引落処理方法
JP2004164074A (ja) * 2002-11-11 2004-06-10 Sega Corp 決済システム、釣り銭預金システム、決済処理方法及びプログラム
JP2012203598A (ja) * 2011-03-25 2012-10-22 Toshiba Tec Corp 商品販売データ登録処理装置
JP2016177574A (ja) * 2015-03-20 2016-10-06 株式会社日立システムズ 保証契約処理装置、保証契約処理方法、及びプログラム
JP2017182833A (ja) * 2017-06-07 2017-10-05 株式会社 ディー・エヌ・エー ユーザの信用情報を管理するシステム、方法、及びプログラム
JP2020129264A (ja) * 2019-02-08 2020-08-27 株式会社オーバルギア 情報処理装置、情報処理方法、およびプログラム

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