JP7206430B1 - Information processing device, information processing method, and program - Google Patents

Abstract

An object of the present invention is to provide an information processing device, an information processing method, and a program that can improve the convenience of repaying a deferred payment amount. Kind Code: A1 A specification of a deposit amount for repaying at least a part of a deferred payment usage amount generated by execution of deferred payment in an electronic payment service is accepted via a financial institution cooperating with the electronic payment service. a repayment receiving unit, in response to receipt of the designation of the deposit amount, clearing the at least part of the amount, and providing the surplus amount obtained by subtracting the at least part of the amount from the deposit amount to the electronic payment service; and a repayment processing unit that adds to the charge balance that can be used for settlement in the information processing device. [Selection drawing] Fig. 1

Description

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

2. Description of the Related Art Conventionally, techniques for realizing deferred payment in electronic payment services are known. For example, Japanese Patent Laid-Open No. 2002-200000 describes determining the maximum amount of deferred payment based on the usage history of the electronic payment service by the user.

Patent No. 6951602

However, the conventional technology does not improve the convenience of repayment of the deferred payment usage amount generated by the deferred payment settlement.

SUMMARY OF THE INVENTION It is an object of the present invention to provide an information processing apparatus, an information processing method, and a program that can improve the convenience of repaying a deferred payment amount. one.

According to one aspect of the present invention, a financial institution cooperating with the electronic payment service designates a deposit amount for repaying at least a part of the amount of the deferred payment usage amount generated by execution of the deferred payment settlement in the electronic payment service. and a repayment acceptance unit that accepts the payment amount through the payment method, and settles the at least part of the amount in response to receiving the specification of the deposit amount, and the surplus amount obtained by subtracting the at least part of the amount from the deposit amount. and a repayment processing unit that adds a charge balance that can be used for settlement in an electronic settlement service.

ADVANTAGE OF THE INVENTION According to 1 aspect of this invention, the information processing apparatus, information processing method, and program which can improve the convenience regarding repayment of the deferred payment usage amount can be provided.

1 is a diagram showing an example of a configuration for realizing an electronic payment service according to the first embodiment; FIG. 1 is a diagram illustrating a general flow of electronic payment; FIG. 1 is a configuration diagram of a settlement server 100 according to a first embodiment; FIG. 4 is a diagram showing an example of contents of user information 172. FIG. 4 is a diagram showing an example of contents of BNPL setting information 176. FIG. It is a figure which shows an example of the flow which repays the utilization balance of the BNPL payment at ATM. 4 is a diagram showing an example of the flow of processing executed by the settlement server 100; FIG. 4 is a diagram showing another example of the flow of processing executed by the settlement server 100; FIG. It is a figure which shows an example of the information proposed by the repayment reception part 126. FIG.

Hereinafter, an information processing apparatus, an information processing method, and a program according to the present invention will be described with reference to the drawings. An information processing device is realized by one or more processors. The information processing device is a device that provides services such as an electronic payment service, and will be referred to as a "payment server" in the following description. An electronic payment service is a service that supports payment related to purchase of goods and services at a store. A store is, for example, a physical store (actual store) that exists in real space.

FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service according to the first embodiment. An electronic payment service is implemented centering on the payment server 100 . The settlement server 100, for example, communicates with each of one or more user terminal devices 10, one or more shop terminal devices 50, and bank server 70 via the network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smart phone 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 reception function, and a program execution function. In the following description, configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 controls a camera, a communication device, a touch panel, and the like. In the following description, a process executed with the user terminal device 10 as the subject can be read as a process executed with the payment application 20 as the subject.

The store terminal device 50 is installed, for example, in a store. The 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 store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize the product price acquisition function and the optical reading function. The store code image 60 is placed in a store and is a code image such as a QR code (registered trademark) printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed at the store.

The payment server 100 implements electronic payment based on payment information received from the user terminal device 10 or the store terminal device 50 . The settlement server 100 performs electronic settlement, for example, by increasing or decreasing the charge balance managed in association with the user ID (in other words, depositing and withdrawing electronic money). Furthermore, when executing electronic payment, the payment server 100 postpones the payment of the price by the user for a predetermined period (for example, one month), and after the predetermined period, receives the payment of the payment amount from the user, thereby completing the settlement. The user terminal device 10 is provided with a post-payment settlement (BNPL; Buy Now Pay Later, hereinafter sometimes referred to as "BNPL settlement") function. In this case, the operator of the electronic payment service pays the payment amount in advance to the store where the electronic payment was executed, and after a predetermined period, the user is paid by debit from the charge balance, account transfer, bill payment, etc. final settlement by receiving payment of the settlement amount from In addition, for example, the user enters the company number of the operator of the electronic payment service into an ATM (Automatic Teller Machine) of a bank affiliated with the electronic payment service, and transfers the amount corresponding to the used balance to settle the account. can also be done. In this case, the payment server 100 can settle the BNPL payment by receiving the transfer information by the user from the server operated by the bank. The BNPL payment, for example, compared to conventional deferred payment means such as credit card payment, simplifies identity verification and screening procedures for use. For example, unlike credit card payments, which require a credit check by an external credit agency, BNPL payments may provide credit to the user without conducting a credit check. BNPL payment in this embodiment does not require identity verification for use.

FIG. 2 is a diagram illustrating a general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2. In the case of pattern 1, first, the payment application 20 is activated on the user terminal device 10, and a code image such as a QR code or barcode is displayed. The user holds up (presents) the display surface of the user terminal device 10 to the store terminal device 50 . The shop terminal device 50 decodes the code image with an optical reading function and acquires information such as an account ID. The shop terminal device 50 then generates payment information including the account ID, payment amount, shop ID, etc., and transmits the payment information to the payment server 100 . The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. Based on the received information, the settlement server 100 transfers the settlement amount from the user's electronic settlement account to the store's electronic settlement account, thereby completing the settlement process.

In the case of pattern 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function. The store code image 60 includes information such as the store name. The user inputs the payment amount and payment method (for example, charge balance payment or BNPL payment) to the user terminal device 10 on the screen on which the store name and the like are displayed. When the user presses the payment button with the payment amount and payment method entered, the user terminal device 10 generates payment information including an account ID, payment amount, payment method, shop ID, etc., and sends it to the payment server. Send to 100. The payment server 100 performs payment processing based on the received information. In the present embodiment, at least pattern 2 is used for electronic payment. Also, the "account ID" described in FIG. 2 may be other information (such as a telephone number) that can be used as user identification information.

[Settlement server]
FIG. 3 is a configuration diagram of the settlement server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 122, a BNPL processing unit 124, a payment acceptance unit 126, a payment processing unit 128, and a storage unit 170. The payment content providing unit 120, the payment processing unit 122, the BNPL processing unit 124, the repayment receiving unit 126, and the repayment processing unit 128 are implemented by a hardware processor such as a CPU executing a program (software). be done. Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device.

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, BNPL setting information 176, and the like.

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 payment content providing unit 120 has, for example, a function of a web server, and provides the user terminal device 10 with information (contents) for displaying various screens of the electronic payment service. The payment content providing unit 120 appropriately reads necessary content from the payment content information 174 and provides it to the user terminal device 10 . The user terminal device 10 accepts various inputs from the user while the content is being reproduced by the payment application 20 , and transmits the above-described payment information and the like to the payment server 100 . Note that the content based on the payment content information 174 includes content provided while logged into the electronic payment service and content provided while not logged into the electronic payment service. In the content in the non-login state, the settlement server 100 provides various guidance information and accepts new registration and change of telephone number.

The payment processing unit 122 performs payment processing based on the payment information transmitted from the user terminal device 10 or the shop terminal device 50 . The payment processing unit 122 performs payment processing while referring to the user information 172 and the BNPL setting information 176 described below.

FIG. 4 is a diagram showing an example of the contents of the user information 172. As shown in FIG. The user information 172 includes, for example, the minimum required telephone number and password for new registration to the electronic payment service, e-mail address, name, address, date of birth, registration date, and first charge for the account ID. Information such as balance, second charge balance, bank account, credit card number, presence/absence of identity verification, charge history information, settlement history information, etc. are associated with each other. Information other than the telephone number, password, registration date, second charge balance, charge history information, and settlement history information is arbitrary setting information. Hereinafter, a user instance (electronic settlement account) associated with these pieces of information will be referred to as an account. The registration date is the date when the user registers for the electronic payment service (the date when the account is created).

The first charge balance and the second charge balance are information indicating the balance of electronic money set by the user's remittance to the account in advance. The first charge balance is the charge balance that is permitted to be used after the user completes personal authentication in the electronic payment service and registers a bank account. This is the charge balance that is permitted to be used regardless of the completion of authentication. That is, the balance amount charged to the first charge balance can be withdrawn to a bank account at the user's request, while the balance amount charged to the second charge balance is It is used only for settlement. All users are permitted to use the second charge balance when registering for the electronic payment service.

Methods of remittance include remittance from an ATM of a designated trader (bank), remittance from a registered bank account (in the case of the first charge balance), and the like. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can deposit money into the electronic payment service. The presence or absence of identity verification is information indicating whether or not the user has confirmed the identity of the user by, for example, uploading an image of an identity verification document such as a driver's license to an electronic payment service. is. The charge history information is a history of the user's advance remittance to the electronic payment service to increase the first charge balance or the second charge balance. The payment history information is information indicating details of payments made by the user (date and time, shop ID of the shop where the purchase was made, payment amount, etc.) for each payment.

The BNPL processing unit 124 executes various server-side processes necessary for realizing BNPL settlement in electronic settlement services. For example, the BNPL processing unit 124 performs usage settings for BNPL settlement in response to a request from the settlement application 20, or according to activation of the settlement application 20 (or according to selection of BNPL settlement) when the user uses BNPL. It notifies the available amount that can be settled. The BNPL processing unit 124 executes such server-side processing related to BNPL settlement while referring to the BNPL setting information 176 described below.

FIG. 5 is a diagram showing an example of the contents of the BNPL setting information 176. As shown in FIG. The BNPL setting information 176 is, for example, an account ID associated with information such as BNPL payment usage settings, maximum usage amount, balance of use, repayment settings, and repayment history information. The BNPL payment usage setting is information indicating whether or not the use of the BNPL payment has been validated as a result of the user of the electronic payment service applying for the use of the BNPL payment.

The maximum usage amount is information indicating the maximum amount that the user can use for BNPL settlement for each predetermined period (for example, one month). The usage balance is information indicating the postpaid usage amount (unpaid) that the user has used the BNPL settlement during a predetermined period. The available amount is information indicating the amount obtained by subtracting the available balance from the usage limit amount, and means the amount that the user can use for BNPL settlement during the current period.

The repayment setting is information indicating how the user repays the balance using BNPL settlement. Repayment settings include, for example, balance settlement, in which the amount of the used balance is withdrawn from the charge balance on a predetermined day of each month (for example, the 27th day of each month), and withdrawal of the amount of the used balance from the bank account registered in the user information 172. Account transfer, bill payment, etc., in which the balance amount described in the bill sent to the address registered in the user information 172 is paid, for example, at a convenience store. Furthermore, in this embodiment, the user enters the company number of the operator of the electronic payment service at the ATM of the bank affiliated with the electronic payment service, and transfers the amount corresponding to the used balance to settle the account. can also The repayment history information is information indicating whether or not the user has repaid the balance (and/or the repayment amount) for each predetermined period. In addition to this, if the user does not repay the balance of BNPL settlement for a certain period within the deadline, the repayment history information may also store information to the effect that the repayment has not been completed within the deadline. good.

FIG. 6 is a diagram showing an example of the flow of repaying the balance used for BNPL settlement at an ATM. First, in a first step, the user visits an ATM of a bank affiliated with the electronic payment service and inputs information indicating that the transaction (deposit) is to be performed using the smartphone. Next, in a second step, the user activates the payment application 20 and presses the repayment button displayed on the screen of the payment application 20 . Next, in the third step, the user presses a button indicating that the ATM repayment is to be executed on the screen of the payment application 20 that is displayed after pressing the repayment button, and at the same time, selects the repayment amount to be repaid this time. input. The repayment amount input at this time may always be set to the full amount of the balance used for BNPL settlement due to the mechanism of the payment application 20, or the user may enter an arbitrary amount within the range of the balance used. It may be possible. The settlement application 20 links the input refund amount to the account ID and transmits it to the settlement server 100, and the refund reception unit 126 links the received account ID and the refund amount to each other and temporarily stores them. The repayment amount is an example of "at least a partial amount of the deferred payment usage amount".

Next, in a fourth step, the user reads the code image displayed on the ATM with the scanner of the payment application 20. FIG. Next, in the fifth step, the user inputs the company number of the operator of the electronic settlement service on the company number input screen displayed on the ATM. As a result, the user who repays the used balance is linked to the operator of the electronic payment service. Next, in the sixth step, the user deposits the repayment amount input in the third step (more strictly, the amount equal to or greater than the repayment amount) to the ATM. When the repayment amount is deposited into the ATM, the bank notifies the settlement server 100 of information to the effect that the repayment amount has been deposited. It should be noted that due to the structure of general ATMs, the amount deposited is in units of bills (eg, 1000 yen, 5000 yen, 10000 yen). Additionally, the refund amount may include a deposit fee charged to the user by the bank.

The repayment acceptance unit 126 accepts information (including the amount of money deposited; hereinafter sometimes referred to as "deposit information") indicating that the user has deposited money into the ATM via the bank. When the repayment receiving unit 126 receives the information, the repayment processing unit 128 settles (that is, subtracts) the balance generated by the BNPL payment by the amount corresponding to the repayment amount. At the same time, the repayment accepting unit 126 adds the fractional amount obtained by subtracting the repayment amount from the deposited amount to the second charge balance. As described above, all users are permitted to use the second charge balance when registering for the electronic payment service. That is, by the above processing, even if a fraction occurs when repaying the balance used for BNPL settlement, it is possible to use electronic settlement for the amount corresponding to the fraction. As a result, it is possible to enhance convenience related to repayment of the deferred payment usage amount.

As another aspect, when the payment information is accepted by the payment acceptance unit 126, the payment processing unit 128 refers to the user information 172 and asks the user for whom the payment information is accepted to use the first charge balance. is permitted, and for users who are permitted to use the first charge balance, the first charge balance may be added by the amount corresponding to the fraction. This allows users who are permitted to use the first charge balance to withdraw the amount equivalent to the fraction to their bank account, further increasing the convenience of repayment of the deferred payment amount. be able to.

FIG. 7 is a diagram showing an example of the flow of processing executed by the settlement server 100. As shown in FIG. First, the repayment reception unit 126 determines whether or not payment information including the payment amount has been received from the bank with which the electronic payment service cooperates (step S100). When it is determined that the deposit information has been received, the repayment processing unit 128 subtracts the amount corresponding to the repayment amount from the balance of use of the BNPL setting information 176 (step S102). Next, the repayment processing unit 128 adds the fractional amount obtained by subtracting the repayment amount from the deposited amount to the second charge balance (step S104). This completes the processing of this flowchart.

FIG. 8 is a diagram showing another example of the flow of processing executed by the settlement server 100. As shown in FIG. First, the repayment receiving unit 126 determines whether or not payment information including the amount of payment has been received from the bank with which the electronic payment service is associated (step S200). When it is determined that the deposit information has been received, the repayment processing unit 128 subtracts the amount corresponding to the repayment amount from the balance of use of the BNPL setting information 176 (step S202).

Next, the repayment processing unit 128 determines whether or not the user who has made repayment is permitted to use the first charge balance (step S204). If it is determined that the user who made the repayment is permitted to use the first charge balance, the repayment processing unit 128 adds the fractional amount obtained by subtracting the repayment amount from the deposited amount to the first charge balance. (step S206). On the other hand, if it is determined that the user who made the repayment is not permitted to use the first charge balance, the repayment processing unit 128 subtracts the repayment amount from the deposited amount, (step S208) This completes the processing of this flowchart.

By the processing of the flowchart described above, even if a fraction occurs when repaying the balance used for BNPL settlement, it is possible to use electronic settlement for the amount corresponding to the fraction. As a result, it is possible to enhance convenience related to repayment of the deferred payment usage amount.

As described above, when repaying the balance of the BNPL settlement, the user who is permitted to use the first charge balance enjoys greater convenience than the user who is not permitted. Therefore, the repayment acceptance unit 126 may suggest execution of personal authentication and registration of a bank account when a user who is not permitted to use the first charge balance repays the balance of the BNPL settlement at the ATM. .

FIG. 9 is a diagram showing an example of information proposed by the repayment accepting unit 126. As shown in FIG. FIG. 9 represents the situation of the third step shown in FIG. In the second step shown in FIG. 6, when the user presses the repayment button, the repayment accepting unit 126 receives information indicating that the user has pressed the repayment button from the payment application 20, and sends the information to the user. It is determined whether use of the first charge balance is permitted. When the repayment acceptance unit 126 determines that the user is not permitted to use the first charge balance, the payment application 20 displays information recommending execution of personal authentication and registration of a bank account.

As an example, in FIG. 9, message M1 represents proposal information to the effect that fractions can be withdrawn by registering a bank account. At this time, if the user presses the user authentication button B1, the payment application 20 proceeds with normal user authentication procedures. As another aspect, if the user has completed personal authentication and has not registered a bank account, the repayment acceptance unit 126 causes the payment application 20 to display proposal information to the effect that the bank account is registered. Also good.

According to the present embodiment described above, even if a fraction occurs when repaying the balance used for BNPL settlement, it is possible to use electronic settlement for the amount corresponding to the fraction. As a result, it is possible to enhance convenience related to repayment of the deferred payment usage amount.

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

10 User terminal device 20 Payment application 22 Display control function 24 Deferred payment determination function 26 Repayment acceptance function 50 Store terminal device 60 Store code image 100 Payment server 110 Communication unit 120 Payment content providing unit 122 Payment processing unit 124 BNPL processing unit 126 Payment acceptance Unit 128 Repayment processing unit 170 Storage unit 172 User information 174 Payment content information 176 BNPL setting information

Claims (6)

a repayment acceptance unit that accepts, via a financial institution cooperating with the electronic payment service, a designation of a deposit amount for repaying at least part of a deferred payment amount generated by execution of deferred payment in the electronic payment service; ,
In response to receiving the designation of the deposit amount, the at least part of the amount is settled, and the surplus amount obtained by subtracting the at least part of the amount from the deposit amount can be used for settlement in the electronic payment service. and a repayment processing unit that adds to the charge balance,
The charge balance includes a first charge balance that is permitted to be used after personal authentication in the electronic payment service is completed, and a second charge balance that is permitted to be used regardless of the completion of personal authentication in the electronic payment service. ,
The repayment processing unit adds the surplus amount to the second charge balance,
Information processing equipment. a repayment acceptance unit that accepts, via a financial institution cooperating with the electronic payment service, a designation of a deposit amount for repaying at least part of a deferred payment amount generated by execution of deferred payment in the electronic payment service; ,
In response to receiving the designation of the deposit amount, the at least part of the amount is settled, and the surplus amount obtained by subtracting the at least part of the amount from the deposit amount can be used for settlement in the electronic payment service. and a repayment processing unit that adds to the charge balance,
The charge balance includes a first charge balance that is permitted to be used after personal authentication in the electronic payment service is completed,
The repayment processing unit determines whether or not use of the first charge balance is permitted for each user, and for users who are permitted to use the first charge balance, returns the surplus amount to the Add to the first charge balance,
Information processing equipment. the computer
Receiving, via a financial institution cooperating with the electronic payment service, a designation of a deposit amount for repaying at least a portion of a deferred payment amount generated by execution of deferred payment in an electronic payment service,
In response to receiving the designation of the deposit amount, the at least part of the amount is settled, and the surplus amount obtained by subtracting the at least part of the amount from the deposit amount can be used for settlement in the electronic payment service. added to the remaining charge balance,
The charge balance includes a first charge balance that is permitted to be used after personal authentication in the electronic payment service is completed, and a second charge balance that is permitted to be used regardless of the completion of personal authentication in the electronic payment service. ,
adding the surplus amount to the second charge balance;
Information processing methods. to the computer,
Accepting, via a financial institution cooperating with the electronic payment service, the designation of the deposit amount for repaying at least part of the amount of the postpaid usage amount generated by the execution of the postpaid payment in the electronic payment service,
In response to receiving the designation of the deposit amount, the at least part of the amount is settled, and the surplus amount obtained by subtracting the at least part of the amount from the deposit amount can be used for settlement in the electronic payment service. be added to the charge balance,
The charge balance includes a first charge balance that is permitted to be used after personal authentication in the electronic payment service is completed, and a second charge balance that is permitted to be used regardless of the completion of personal authentication in the electronic payment service. ,
adding the surplus amount to the second charge balance;
program. the computer
Receiving, via a financial institution cooperating with the electronic payment service, a designation of a deposit amount for repaying at least a portion of a deferred payment amount generated by execution of deferred payment in an electronic payment service,
In response to receiving the designation of the deposit amount, the at least part of the amount is settled, and the surplus amount obtained by subtracting the at least part of the amount from the deposit amount can be used for settlement in the electronic payment service. added to the remaining charge balance,
The charge balance includes a first charge balance that is permitted to be used after personal authentication in the electronic payment service is completed,
Determining whether or not use of the first charge balance is permitted for each user, and adding the surplus amount to the first charge balance for users who are permitted to use the first charge balance do,
Information processing methods. to the computer,
Accepting, via a financial institution cooperating with the electronic payment service, the designation of the deposit amount for repaying at least part of the amount of the postpaid usage amount generated by the execution of the postpaid payment in the electronic payment service,
In response to receiving the designation of the deposit amount, the at least part of the amount is settled, and the surplus amount obtained by subtracting the at least part of the amount from the deposit amount can be used for settlement in the electronic payment service. be added to the charge balance,
The charge balance includes a first charge balance that is permitted to be used after personal authentication in the electronic payment service is completed,
Determining whether or not use of the first charge balance is permitted for each user, and adding the surplus amount to the first charge balance for users who are permitted to use the first charge balance let
program.

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