JP7315772B1 - Application program, information processing device, information processing method, and program - Google Patents

Abstract

An object of the present invention is to appropriately notify a user of the available amount of the maximum amount of deferred payment to enhance convenience for the user. An application program that executes processing related to the electronic payment service in cooperation with a server device that provides the electronic payment service, wherein the server device is installed in a user terminal device of a user of the electronic payment service. An application program for displaying the lesser of the available amount of the managed deferred payment and the available amount of a credit card intervening in the settlement of the deferred payment. [Selection drawing] Fig. 1

Description

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

Conventionally, there has been known a technique for setting an upper limit for deferred payment in electronic settlement. For example, Patent Literature 1 discloses a technique for setting an upper limit amount to be settled by the postpaid service within a predetermined period.

Japanese Patent Application Laid-Open No. 2021-47842

In the technique described in Patent Document 1, a server sets a credit limit according to a user's application, and the user sets the maximum amount of deferred payment within the set credit limit. However, in the conventional technology, there are cases where the available amount of the deferred payment maximum amount cannot be appropriately communicated to the user, resulting in low convenience for the user.

The present invention has been made in view of such circumstances, and one of the objects thereof is to provide an application program, an information processing apparatus, an information processing method, and a program that can appropriately communicate to the user the available amount of the maximum amount of postpaid payment and improve convenience for the user.

One aspect of the present invention is an application program that executes processing related to the electronic payment service in cooperation with a server device that provides the electronic payment service, the application program causing a user terminal device of a user of the electronic payment service to display the available amount of the deferred payment managed by the server device or the available amount of the credit card used in the payment of the deferred payment, whichever is smaller.

According to one aspect of the present invention, it is possible to provide an application program, an information processing device, an information processing method, and a program that can appropriately communicate to the user the available amount of the maximum amount of deferred payment and improve convenience for the user.

1 is a diagram showing an example of a configuration for realizing an electronic payment service; FIG. FIG. 2 is a sequence diagram (part 1) illustrating a rough flow of electronic payment; FIG. 2 is a sequence diagram (part 2) exemplifying a rough flow of electronic payment; 1 is a configuration diagram of an electronic payment 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 member store/store information 176. FIG. FIG. 10 is a diagram showing an example of a top screen IM1 of the settlement application 20 when performing charge balance settlement. FIG. 10 is a diagram showing an example of a top screen IM1 of the payment application 20 when performing deferred payment. FIG. 10 is a diagram showing an example of a payment screen IM2 of the payment application 20 when performing deferred payment. 2 is a sequence diagram showing an example of the flow of processing executed by the payment application 20, the electronic payment server 100, and the credit payment server 200 at the time of deferred payment; FIG. FIG. 10 is a sequence diagram showing another example of the flow of processing executed by the payment application 20, the electronic payment server 100, and the credit payment server 200 at the time of deferred payment; FIG. 10 is a diagram showing an example of a payment screen IM2 of the payment application 20 displaying the lesser of the available amount for postpayment and the available amount for a credit card at the time of deferred payment. FIG. 10 is a diagram showing another example of the screen of the payment application 20 displaying the lesser of the available deferred payment amount and the available credit card amount. It is a figure which shows an example of the information regarding the amount which can be paid in arrears displayed on a settlement completion screen.

Hereinafter, embodiments of an application program, an information processing apparatus, an information processing method, and a program control method of the present invention will be described with reference to the drawings. The application program and payment server cooperate to provide electronic payment services. In the following description, the application program will be called a payment application. An electronic payment service is a service that supports payment related to purchase of goods and services at a store. The store is, for example, a physical store (actual store) that exists in the real space, but may also include a virtual store for electronic commerce. Virtual stores may include those provided by entities other than the operator of the electronic payment service. In that case, the screen is controlled to transition to the interface screen of the electronic payment service at the time of payment for shopping at the virtual store. In the electronic payment service, a store is treated as belonging to, for example, a member store (brand), and processing such as settlement when a purchase is made at the store is mainly performed between the user and the member store. Alternatively, processing such as settlement may be performed between the user and the store.

[Electronic payment service]
FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. An electronic payment service is realized mainly by the electronic payment server 100 . The electronic 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 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 electronic payment server 100 to provide the user with an electronic payment service. The payment application 20 is installed in the user terminal device 10 from an application store, for example, and controls a camera, a communication device, a touch panel, and the like.

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 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 a code image such as a QR code (registered trademark) is printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed in the store (a display of a terminal device such as a smart phone may be used).

The second store terminal device 70 is used by the member store operator. The second store terminal device 70 is a smart phone, a tablet terminal, a personal computer, or the like. A member store interface 72 operates on the second store terminal device 70 . The merchant interface 72 may be a merchant application or a browser. The member store interface 72 accepts coupon settings and the like from the member store operator and transmits them to the electronic payment server 100 . The second store terminal device 70, which is a smartphone, has a function of displaying a code image corresponding to the store code image and reading a code image displayed by the user terminal device 10 by executing an application for member stores.

The electronic payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first shop terminal device 50 . The first store terminal device 50 may include a POS device and a member store server, in which case payment information is transmitted from the POS device to the electronic payment server 100 via the member store server. In the following explanation, it is assumed that the payment information is transmitted from the first store terminal device 50 without distinguishing between them.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two types of 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 shop code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. The store URL is a domain of the electronic payment service to which information that can identify the store is added, and is associated with the member store ID, store ID, etc. in the electronic settlement server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the electronic payment server 100 (S2). The electronic payment server 100 retrieves store information (described later) from the member store ID and store ID corresponding to the store URL, acquires the member store name and store name information (S3), and transmits them to the payment application 20 (S4). The user inputs the settlement amount into the user terminal device 10 on the screen displaying the member store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the electronic payment server 100 (S6). The electronic payment server 100 performs electronic payment based on the received second payment information (S7). Then, the electronic payment server 100 transmits a payment completion notification (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). When the store code image 60 is displayed on a display placed in a store, the store code image 60 may include not only the store URL but also the payment amount information. In this case, the procedure for the user to input the settlement amount is omitted, and the information of the settlement amount is included in the first settlement information and transmitted to the electronic settlement server 100 . Information on the name of the member store and the name of the store may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment application 20 sends a one-time code issuance request to the electronic payment server 100 when the payment application 20 is activated, when a payment operation is performed in the payment application 20, when the automatic update timing (for example, every minute) comes, and at other timings (S11). The electronic payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or barcode generated based on the one-time code (S14). The user holds up (presents) the display surface of the user terminal device 10 to the first shop terminal device 50, and the first shop terminal device 50 decodes the code image by the optical reading function and acquires the one-time code and the like (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, member store ID, store ID, etc., and transmits the payment information to the electronic payment server 100 (S16). The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. The electronic payment server 100 identifies the user corresponding to the one-time code based on the received information, and performs electronic payment (S17). The electronic payment server 100 then transmits a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

It should be noted that electronic payment may be performed using only one of the above patterns. 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. Alternatively, the issuance of the one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In that case, the electronic payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Settlement server]
FIG. 4 is a configuration diagram of the electronic payment server 100 according to the first embodiment. The electronic payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. Components other than communication unit 110 and storage unit 170 are implemented 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 (circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit), or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by mounting the storage medium in the drive device.

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

The payment processing unit 130 performs payment processing based on the payment information transmitted from the user terminal device 10 or the first store terminal device 50 . The payment processing unit 130 performs payment processing while referring to the user information 172 .

FIG. 5 is a diagram showing an example of the contents of the user information 172. As shown in FIG. The user information 172 is an example of user registration information. The user information 172 is associated with, for example, user URL, account ID, telephone number, password, email address, user ID, name/address/date of birth, registration date, charge balance, deferred payment setting, deferred payment limit, deferred payment amount, deferred payment available amount, settlement method setting, bank account, credit card number, charge history information, settlement history information, and the like. The user URL is used for remittance processing between users. When registering for the electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the electronic payment server 100, and the user ID is an ID that can be arbitrarily set by the user (does not need to be set). Likewise, the e-mail address, name, address, and date of birth are information that can be arbitrarily set by the user (they do not have to be set). The registration date is the date when the user registers for the electronic payment service (the date when the account is created). Hereinafter, a user instance (electronic settlement account) associated with these pieces of information will be referred to as an account.

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated trader (bank), remittance from a registered bank account, and the like. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "done" or "not completed". Deferred payment allows the operator of the electronic payment service to act as a creditor, and allows electronic payment up to a certain amount each month without depending on the charge balance. The amount used for the deferred payment is collected for one month and settled on the next month's payment date, for example, by debiting from a bank account. In this case, the settlement processing part 130 performs provisional settlement by adding the settlement amount to the deferred payment available amount and subtracting the same amount from the deferred payment available amount, and performs processing for withdrawing the current month's settlement on the next month's payment date as described above on the closing date. Also, when a credit card number is registered in the user information 172, the settlement processing unit 130 causes the credit settlement server 200, which performs credit card settlement associated with the credit card number, to execute credit settlement. That is, the deferred payment settlement is executed as credit card settlement associated with the registered credit card number. In this case, for settlement of deferred payment, for example, on a prescribed day in the month following execution of the deferred payment settlement, the used amount of the credit card and the used amount of deferred payment are summed up and withdrawn from the bank account registered in the credit card. Hereinafter, in the present embodiment, it is assumed that deferred payment is executed as credit settlement by the credit settlement server 200 .

The deferred payment frame 1 is the maximum amount of deferred payment that can be used for each month, the used deferred payment amount is the deferred payment amount that has already been used in the current month, and the available deferred payment amount is the deferred payment amount that can be used in the current month obtained by subtracting the deferred payment used amount from the deferred payment frame 1. The deferred payment frame 1 is an example of the 'maximum amount for the first period', and the postpaid available amount obtained by subtracting the deferred payment usage amount from the deferred payment frame 1 is an example of the 'first available amount'. The deferred payment limit 2 is the maximum amount of deferred payment that can be used for each day. The deferred payment frame 2 is an example of the 'second period upper limit', and the postpaid available amount obtained by subtracting the postpaid available amount for the day from the deferred payment frame 2 is an example of the 'second available amount'. Further details of postpayment are provided below. The payment method setting is setting information indicating whether the user will make an electronic payment based on the charge balance at that point in time or make a deferred payment. 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 charge history information is a history of the user's advance remittance to the electronic payment service to increase the 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, payment method, etc.) for each payment.

FIG. 6 is a diagram showing an example of the contents of the member store/store information 176. As shown in FIG. The member store/store information 176 includes, for example, a first table 176A in which member store IDs and store IDs are associated with store URLs, a second table 176B in which member store names and sales proceeds (described above) are associated with member store IDs, and a third table 176C in which store IDs are associated with store IDs. The member store/store information 176 may include, in addition to this information, information such as the category of the member store or store, the location of the store, and the payment pattern.

The information management unit 140 manages user information 172 and member store/store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70 . The information management unit 140 adds, edits, and deletes new records for the user information 172 and member store/store information 176 .

[Electronic payment]
When payment information is acquired from the user terminal device 10 or the first shop terminal device 50, the payment processing unit 130 refers to the user information 172 and acquires the user's "settlement method setting." The payment processing unit 130 performs electronic payment as follows for a user whose "payment method setting" is set to "charge balance". The payment processing unit 130 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 proceeds of the member store. The item value of the sales proceeds of the member store is not used as electronic money per se, for example, but the amount corresponding to the item value of the sales proceeds is transferred to the bank account in a cycle according to the agreement between the member store and the electronic payment service.

The payment processing unit 130 performs electronic payment as follows for a user whose "setting information" is set to "pay later". When the deferred payment is executed, the settlement processing unit 130 acquires the credit card number of the user information 172 and the deferred settlement amount, and transmits the acquired credit card number and settlement amount to the credit settlement server 200 . The credit settlement server 200 executes credit settlement for the credit card associated with the received credit card number for the settlement amount. After that, on a predetermined day in the month following execution of the deferred payment settlement, the credit card usage amount and the deferred payment usage amount are summed up and debited from the bank account registered in the credit card.

[Top screen]
FIG. 7 is a diagram showing an example of the top screen IM1 of the settlement application 20 when performing charge balance settlement. A code image CD is displayed on the top screen IM1. The Code Image CD contains, for example, barcodes and QR codes. Along with the code image CD, a text ("pay with balance" in the figure) indicating whether electronic payment is to be made based on the charge balance or postpaid electronic payment is displayed. This text is drawn by the payment application 20 based on information updated by the payment application 20 each time the changeover switch SW is operated (whether it is a charge balance payment or a deferred payment). The top screen IM1 also includes an operation area CA including a changeover switch SW, a transition button TB1, and a transition button TB2. The “switches” and “buttons” are GUIs (Graphical User Interfaces) realized in cooperation with the touch panel. The changeover switch SW receives an operation for switching between electronic payment based on the charge balance and electronic payment based on deferred payment. The change-over switch SW is set by default to perform electronic settlement based on the charge balance, and each time it is operated by a user, the setting is switched between the setting of performing electronic settlement based on the charge balance and the setting of performing electronic settlement by deferred payment. In the figure, the explanation is displayed as "Balance payment", which means that it is set to perform electronic payment based on the charge balance. The operation area CA is provided with buttons for instructing major operations in electronic payment, such as a button for instructing scanning (start of user scanning) and a button for instructing charging. When the transition button TB1 is operated, the screen transitions to the payment screen IM2 that displays the code image used for electronic payment and the available amount. When the transition button TB2 is operated, the screen transitions to a screen that displays the available amount for balance payment or deferred payment. In FIG. 7, electronic payment based on the charge balance is set, so when the transition button TB2 is operated, the available amount for the balance payment is displayed.

When the changeover switch SW is operated to switch to the setting of electronic payment by deferred payment, the display colors of the operation area CA and the transition button TB1 are changed. FIG. 8 is a diagram showing an example of the top screen IM1 of the payment application 20 when performing deferred payment. Also on the top screen IM1 of the settlement application 20 for deferred payment, a text indicating whether to perform electronic settlement based on the charge balance or electronic settlement by deferred payment ("pay by deferred payment" in the figure) is displayed together with the code image CD.

[Payment screen]
When the transition button TB1 is operated in the state shown in FIG. 8, the screen transitions to the payment screen IM2 for deferred payment. FIG. 9 is a diagram showing an example of the payment screen IM2 of the payment application 20 when performing deferred payment. As shown, the payment screen IM2 for deferred payment includes an area A2 in which the code image CD, available deferred payment amount, and the like are displayed. Here, the displayed postpaid available amount is, for example, the postpaid available amount acquired from the user information 172 shown in FIG. That is, when the transition button TB1 is operated in the state shown in FIG. 8, the payment application 20 requests the electronic payment server 100 for information on the available postpayment amount, and displays the available postpayment amount received from the electronic payment server 100.

[Display available postpaid amount]
In this way, when the deferred payment is made, the available deferred payment amount is displayed on the payment screen IM2 of FIG. 9, and the user tries to execute the deferred payment settlement within the range of the displayed deferred payment available amount. However, as described above, when the deferred payment is executed as a credit settlement by the credit settlement server 200, the credit settlement server 200 holds the credit card available amount (for example, the monthly available amount) separately from the deferred payment available amount held by the electronic settlement server 100 for each user. In that case, when the deferred payment is executed, the settlement amount falls below the available postpaid amount held by the electronic settlement server 100, but exceeds the available amount of the credit card held by the credit settlement server 200, and the deferred payment may fail. That is, unconditionally displaying the available amount for postpayment held by the electronic payment server 100 on the payment screen IM2 of FIG. 9 may impair the convenience for the user.

Against the background of the above circumstances, the settlement processing part 130 requests the available amount of the credit card to the credit settlement server 200 and acquires the available amount of the credit card from the credit settlement server 200 when the settlement application 20 requests the information on the available amount for the deferred payment. The payment processing unit 130 next identifies the smaller amount of the acquired credit card available amount and the available deferred payment amount, and transmits the specified amount to the payment application 20 . The payment application 20 receives the specified smaller amount from the electronic payment server 100 and displays it as the postpaid available amount on the payment screen IM2 of FIG. As a result, the user can accurately grasp the postpaid available amount, thereby enhancing convenience for the user.

FIG. 10 is a sequence diagram showing an example of the flow of processing executed by the payment application 20, the electronic payment server 100, and the credit payment server 200 at the time of deferred payment. The processing shown in FIG. 10 is executed, for example, each time the user operates the transition button TB1 in the state shown in FIG.

First, the payment application 20 transmits request information for the postpaid available amount together with the account ID of the user to the electronic payment server 100 (S21). Next, when the electronic payment server 100 receives the request information of the account ID and the postpaid available amount from the payment application 20, it refers to the user information 172 using the account ID as a key, and extracts the credit card number corresponding to the user (S22). Next, the electronic payment server 100 transmits the credit card number and request information of the available amount of the credit card corresponding to the credit card number (S23).

When the credit card settlement server 200 receives the request information of the credit card number and the available credit card amount from the electronic settlement server 100, the credit card settlement server 200 extracts the credit card available amount corresponding to the credit card number and transmits it to the electronic settlement server 100 (S24). The electronic payment server 100 identifies the lesser of the postpaid available amount stored in the user information 172 and the received credit card available amount (S25). The electronic payment server 100 transmits the specified amount to the payment application 20 (S26), and causes the payment application 20 to display the received amount as the postpaid available amount. As a result, the processing of this sequence diagram ends.

FIG. 11 is a sequence diagram showing another example of the flow of processing executed by the payment application 20, the electronic payment server 100, and the credit payment server 200 at the time of deferred payment. As in FIG. 10, the process shown in FIG. 11 is executed, for example, each time the user operates the transition button TB1 in the state shown in FIG. Since the processing from step S31 to step S34 is the same as the processing from step S21 to step S24 shown in FIG. 10, description thereof is omitted.

After the processing of step S34, the electronic payment server 100 transmits the postpaid available amount stored in the user information 172 and the received available credit card amount to the payment application 20 (S35). When the settlement application 20 receives the available deferred payment amount and the available credit card amount, it specifies the smaller one of the available deferred payment amount and the available credit card amount (S36). Next, the payment application 20 displays the specified amount (S37). As a result, the processing of this sequence diagram ends.

In steps S21 and S31 of FIGS. 10 and 11, the payment application 20 requests the electronic payment server 100 for the postpaid available amount. However, the present invention is not limited to such a configuration, and the payment application 20 may request both the postpaid available amount and the credit card available amount from the beginning to the electronic payment server 100 .

FIG. 12 is a diagram showing an example of a payment screen IM2 of the payment application 20 displaying the lesser of the available amount for postpaid and the available amount for credit card at the time of deferred payment. FIG. 12 shows, for example, a scene in which the payment application 20 requests the electronic payment server 100 for the available amount for postpayment for the user with the account ID 001 . Upon receiving the request, the electronic settlement server 100 inquires of the credit settlement server 200 about the available amount of the credit card corresponding to the user, and receives from the credit settlement server 200 a numerical value indicating, for example, “100,000”. The electronic payment server 100 identifies “100,000” which is the smaller of the numerical value “180,000” and the numerical value “100,000” stored in the user information 172 , and transmits numerical information “100,000” to the payment application 20 . The payment application 20 displays the received "100,000" yen on the payment screen IM2. As a result, the user can accurately grasp the postpaid available amount, thereby enhancing convenience for the user.

FIG. 13 is a diagram showing another example of the screen of the settlement application 20 displaying the lesser of the available amount for postpayment and the available amount for the credit card. FIG. 13 shows a screen displayed when the transition button TB2 is operated on the top screen IM1 shown in FIG. When the transition button TB2 is operated on the top screen IM1 shown in FIG. 8, the payment application 20 requests the electronic payment server 100 for the available amount for deferred payment, and the electronic payment server 100 requests the available amount for the credit card from the credit payment server 200, specifies the smaller amount of the available amount for the credit card and the available amount for the deferred payment, and the payment application 20 displays the specified smaller amount. As a result, even in a situation where deferred payment is not executed, the user can accurately grasp the available deferred payment amount, thereby enhancing the user's convenience. As another aspect, the top screen IM1 of the settlement application 20 may display an icon for calling a mini-app having a function for checking the available amount for postpayment, and when the user taps the icon, the mini-app may communicate with the electronic payment server 100 to acquire and display the smaller amount of the available credit card amount and the available amount for postpayment.

In the above description, the electronic payment server 100 calculates the available postpaid amount by subtracting the available postpaid amount from the deferred payment frame 1, and causes the payment application 20 to display the smaller of the available postpaid amount and the available amount of the credit card. Alternatively, the electronic settlement server 100 may cause the settlement application 20 to display the smallest amount among the available deferred payment amount obtained by subtracting the deferred payment amount from the deferred payment frame 1, the deferred payment available amount obtained by subtracting the total payment amount for the day from the deferred payment frame 2, and the available credit card amount. In other words, the payment application 20 may cause the payment application 20 to display the smallest amount among the plurality of available amounts based on the plurality of periods set for the deferred payment. As a result, the user can more accurately grasp the postpaid available amount, and the user's convenience can be enhanced.

Further, as an example, the payment processing unit 130 may display information regarding the post-payment available amount on the payment completion screen after execution of the deferred payment. FIG. 14 is a diagram showing an example of information on the postpaid amount displayed on the settlement completion screen. FIG. 14 shows, as an example, a situation in which deferred payment for 4500 yen is completed in the situation shown in FIG. As shown in FIG. 14, when the deferred payment settlement is completed, the settlement processing unit 130 causes the settlement application 20 to display the amount obtained by subtracting the deferred payment settlement amount from the deferred payment available amount before execution of the deferred payment settlement as the remaining deferred payment available amount.

At this time, if the remaining possible deferred payment amount is equal to or less than a threshold value (for example, 100,000 yen), the payment processing unit 130 may cause the payment application 20 to display information indicating that the remaining possible deferred payment amount is small. In the case of FIG. 14, the remaining postpayable amount is 950,000 yen, which is the same as the credit card available amount. Therefore, the settlement processing unit 130 may display information indicating that the credit card available amount is small and provide the user with an access link to the credit card information site via the transition button TB3. In this way, by providing information to the user when the remaining amount that can be paid in arrears becomes small, convenience for the user can be further enhanced.

Furthermore, as an example, when a credit card that is not linked to the electronic settlement server 100 (more precisely, a credit card managed by the credit settlement server 200 that does not share the deferred payment amount with the electronic settlement server 100) is registered in the user information 172, the electronic settlement server 100 may propose to the user terminal device 10 of the user to use the credit card that is linked to the electronic settlement server 100. For example, the payment processing unit 130 may cause the payment application 20 to display proposal information to the effect that the deferred payment function can be used more conveniently by using a credit card linked with the electronic payment server 100 .

According to the present embodiment described above, when executing deferred payment in the electronic payment service, the payment application displays the smaller amount of the possible deferred payment amount stored by the electronic payment server and the available credit card amount stored by the credit card payment server. As a result, it is possible to appropriately notify the user of the available amount of the maximum deferred payment amount, thereby enhancing convenience for the user.

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 in any way, and various modifications and replacements can be made without departing from the gist of the present invention.

10 User terminal device 20 Settlement application 50 First store terminal device 60 Store code image 70 Second store terminal device 72 Member store interface 100 Electronic settlement server 110 Communication unit 120 Settlement content providing unit 130 Settlement processing unit 140 Information management unit 170 Storage unit 172 User information 174 Settlement content information 176 Member store/store information 200 Credit settlement server

Claims (4)

An application program that executes processing related to the electronic payment service in cooperation with a server device that provides the electronic payment service,
The application program acquires from the server device the available deferred payment amount based on the upper limit amount for the first period and the available deferred payment amount based on the upper limit amount for the second period, identifies the smaller amount of the available deferred payment amount based on the upper limit amount for the first period and the available deferred payment amount based on the upper limit amount for the second period, and displays it on the user terminal device of the user of the electronic payment service.
application program. a reception unit that receives an inquiry from a user terminal device of a user of the electronic payment service regarding the available amount of deferred payment in the electronic payment service;
a specifying unit that, in response to the inquiry, specifies the smaller amount of the available deferred payment amount based on the maximum amount for a first period and the available amount for deferred payment based on the maximum amount for a second period different from the first period;
A display control unit that causes the user terminal device to display the specified amount of money,
Information processing equipment. the computer
Receiving an inquiry from a user terminal device of a user of an electronic payment service regarding the available amount of deferred payment in the electronic payment service,
In response to the inquiry, specifying the smaller amount of the available deferred payment amount based on the maximum amount for the first period and the available amount for deferred payment based on the maximum amount for the second period different from the first period,
causing the specified amount to be displayed on the user terminal device;
Information processing methods. to the computer,
Receive an inquiry from the user terminal device of the user of the electronic payment service regarding the available amount of deferred payment in the electronic payment service,
In response to the inquiry, specify the smaller amount of the available deferred payment amount based on the maximum amount for the first period and the available amount for deferred payment based on the maximum amount for the second period different from the first period,
causing the specified amount to be displayed on the user terminal device;
program.

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