JP2023140330A - Information processing device, information processing method, and information processing program - Google Patents

Abstract

To improve convenience of users.SOLUTION: An information processing device includes: an acquisition part for acquiring invoice information represented by an invoice; a specification part for specifying a payable period based on the invoice information; a setting part for selecting a payment date satisfying a prescribed condition from the specified payable period and setting the selected payment date; and a settlement processing part for performing settlement based on the invoice information on the set payment date.SELECTED DRAWING: Figure 1

Description

Application for application of Article 30, Paragraph 2 of the Patent Act Public information. pdf

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

Conventionally, there is a known technology for providing a service that sends electronic bills (hereinafter referred to as "electronic bills") to users' terminals and allows them to settle the bill amount with electronic money. There is. Furthermore, even if the bill is a paper bill, there is also a known technology for providing a service that reads information such as the billed amount printed on the bill and allows payment with electronic money.

Japanese Patent Application Publication No. 2007-305166

However, the above-mentioned conventional technology is not necessarily convenient for users.

For example, in the above-mentioned conventional technology, the timing to pay the bill is the timing when the user completes the payment procedure, and there is a possibility that the user forgets to pay. Further, with the above-mentioned conventional technology, it is not always possible for the user to make payment at the timing when he or she wants to make payment (for example, after payday).

The present application has been made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that improve user convenience.

The information processing device according to the present application collects bill information indicated by a bill through a user terminal of a user who photographs a predetermined code or a character string used for optical character recognition, or receives data from a predetermined terminal. an acquisition unit that acquires the information, a specification unit that identifies the payable period based on the bill information, and selects a payment date that satisfies a predetermined condition from the identified payable period, and sets the selected payment date. The present invention is characterized by comprising a setting unit and a payment processing unit that performs payment based on the bill information on the set payment date.

The information processing device according to the present application is a payment service that uses a user's user terminal, and provides notification of user identification information that identifies the user, payment destination identification information that identifies the payment destination, and payment amount. Once accepted, electronic money corresponding to the payment amount will be debited from the account corresponding to the user identification information, and the payment amount will be deposited into the account corresponding to the payment destination identification information via an application that provides a payment service. , an acquisition unit that acquires bill information indicated by the bill; a specification unit that specifies a payable period based on the bill information; and a payment date that selects a payment date that satisfies a predetermined condition from the specified payable period. , a setting unit for setting the selected payment date, and electronic money corresponding to the payment amount indicated by the bill information to be debited from the account corresponding to the user, and corresponding to the business identification information indicated by the bill information. The present invention is characterized by comprising a payment processing unit that performs payment based on the bill information on the set payment date by depositing the payment amount indicated by the bill information into an account.

The information processing device according to the present application is a payment service that uses a user's user terminal, and provides notification of user identification information that identifies the user, payment destination identification information that identifies the payment destination, and payment amount. Once accepted, electronic money corresponding to the payment amount will be debited from the account corresponding to the user identification information, and the payment amount will be deposited into the account corresponding to the payment destination identification information via an application that provides a payment service. , an acquisition unit that acquires bill information indicated by the bill; a specification unit that specifies a payable period based on the bill information; and a A setting unit that selects a payment date that satisfies predetermined conditions set in the above and sets the selected payment date, and a payment that performs a payment based on the bill information on the set payment date via the application. A processing section.

According to one aspect of the embodiment, it is possible to improve convenience for users.

FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. FIG. 2 is a diagram illustrating a configuration example of a payment server according to an embodiment. FIG. 3 is a diagram illustrating an example of an account database according to the embodiment. FIG. 4 is a diagram illustrating an example of the bill information database according to the embodiment. FIG. 5 is a diagram illustrating an example of a user information database according to the embodiment. FIG. 6 is a diagram showing a first specific example of a display screen according to the embodiment. FIG. 7 is a diagram showing a second specific example of the display screen according to the embodiment. FIG. 8 is a diagram showing a third specific example of the display screen according to the embodiment. FIG. 9 is a diagram showing a fourth specific example of the display screen according to the embodiment. FIG. 10 is a diagram showing a fifth specific example of the display screen according to the embodiment. FIG. 11 is a diagram showing a specific example 6 of the display screen according to the embodiment. FIG. 12 is a flowchart illustrating an example of an information processing procedure according to the embodiment. FIG. 13 is a hardware configuration diagram showing an example of a computer that implements the functions of a payment server.

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

[1. Information processing system〕
Information processing realized by the information processing apparatus and the like of this embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. In FIG. 1, it is assumed that the information processing and the like according to the embodiment are realized by the payment server 10, which is an example of the information processing apparatus according to the present embodiment.

[1-1. Information processing system configuration]
As shown in FIG. 1, the information processing system 1 according to the embodiment includes a payment server 10 and a user terminal 100. The payment server 10 and the user terminal 100 are connected to be able to communicate with each other by wire or wirelessly via a network N (for example, see FIG. 2). The network N is, for example, a WAN (Wide Area Network) such as the Internet. Note that the information processing system 1 shown in FIG. 1 may include a plurality of payment servers 10 and a plurality of user terminals 100.

The payment server 10 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service regarding electronic payment using the user terminal 100. For example, the payment server 10 manages the accounts of providers (business operators) of transaction objects and users to whom transaction objects are provided, and transfers electronic money between accounts in accordance with payment requests from users. By doing so, various payments can be realized. Note that electronic money may be, for example, points or currency used independently by various companies, or may be currency provided by a country such as Japanese yen or dollars that can be electronically transacted. good.

The user terminal 100 shown in FIG. 1 is an information processing device used by a user U1. The user terminal 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the user terminal 100 displays information distributed by the payment server 10 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smartphone.

Note that when the user terminal 100 receives control information for realizing predetermined information processing from the payment server 10, the user terminal 100 realizes the information processing according to the control information. Here, the control information is, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a mark such as HTML (HyperText Markup Language). It is written in an application language, etc. Note that the predetermined application itself distributed from the payment server 10 may be regarded as the control information.

[1-2. Payment processing using user terminal 100]
Here, prior to information processing performed by the payment server 10, an example of payment (electronic payment) using the user terminal 100 will be described. In the following explanation, the user U1 uses a two-dimensional code (QR code (registered trademark)) placed in a store and indicates store identification information to identify the store. An example in which payment is made using 100 will be described, but the embodiment is not limited to this. An example of a payment described below is applicable even when any user U1 uses any user terminal 100 to make a payment at any store. Further, the store identification information may be not only a QR code (registered trademark) but also a barcode, a predetermined mark, a number, etc.

For example, when the user U1 makes a payment for using or purchasing various products and services to be paid at a store, the user U1 starts a payment application installed in the user terminal 100 in advance. Then, the user U1 photographs the store identification information installed in the store via the application. In such a case, the user terminal 100 displays a screen for inputting the price to be paid, and accepts input of the payment amount from the user U1 or the store clerk. Then, the user terminal 100 sends the payment information indicating the user information that identifies the user U1, the store identification information (or the information indicated by the store identification information, that is, the information indicating the store), and the payment amount. It is transmitted to the server 10.

In such a case, the payment server 10 transfers the amount of electronic money indicated by the payment amount from the account of the user U1 indicated by the user information to the account of the store indicated by the store identification information. The payment server 10 then sends a notification to the user terminal 100 that the payment has been completed. In such a case, the user terminal 100 notifies that the payment has been made using electronic money by displaying a screen or outputting a predetermined sound indicating that the payment has been completed.

Note that payment using the user terminal 100 is not limited to the processing described above. For example, the payment using the user terminal 100 may be made using a store terminal installed in a store. For example, the user terminal 100 displays user identification information for identifying the user U1 on the screen. In such a case, the store terminal installed in the store reads the user identification information displayed on the user terminal 100 and sends payment information indicating the user identification information, the payment amount, and information identifying the store. It is transmitted to the payment server 10. In such a case, the payment server 10 transfers the amount of electronic money indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store, and transfers the amount of electronic money indicated by the payment amount to the store terminal or user terminal 100 of the store. However, it may be possible to notify that the payment has been completed by outputting a screen or a predetermined sound indicating that the payment has been completed.

Furthermore, the payment using the user terminal 100 is not limited to the process of transferring electronic money from the account to which the user U1 has charged electronic money in advance to the store's account; Payment may be made using In such a case, for example, the payment server 10 may remit electronic money for the payment amount to the store's account and request the payment amount from the company that operates the credit card of the user U1.

In addition, the payment using the user terminal 100 is not only a process of transferring electronic money from the account of the user U1 to the account of the store, but also a process of providing a predetermined transaction object from the account of the user U1, for example. It may also be a payment method in which electronic money is transferred to an account of a person (business operator). In such a case, the user U1 uses a camera equipped with the user terminal 100 to capture the barcode included in the payment slip (for example, a transfer slip used in a convenience store collection agency service) sent by the business to the user U1. Read with a device (camera). Then, the user terminal 100 displays the payee and payment amount indicated by the read barcode on the screen, and when receiving an operation from the user U1 to approve the remittance to the payee, the user terminal 100 displays the user identification information and the payment amount. , sends payment information indicating the payment amount and information identifying the payee to the payment server 10. In such a case, the payment server 10 transfers the amount of electronic money indicated by the payment amount from the account of the user U1 to the account of the payee.

[1-3. Processing of information processing system 1]
As described above, conventionally, even if the bill is a paper bill, there is a known technology for reading information such as the billed amount printed on the bill and providing a service that allows payment with electronic money. Furthermore, conventionally known techniques are known for providing a service in which an electronic bill is sent to a user's terminal and the amount charged on the bill can be settled with electronic money. However, with such technology, the timing to pay the bill is the timing when the user completes the payment procedure, and there is a possibility of forgetting to pay, so it is not always convenient for the user. .

Therefore, the payment server 10 executes information processing according to the embodiment. Information processing executed by the payment server 10 will be described below using FIG. 1. In addition, in the following description, an example will be shown in which the user terminal 100 is used by the user U1. Furthermore, in the following description, the user terminal 100 may be equated with the user U1. That is, below, the user U1 can also be read as the user terminal 100.

First, the user U1 uses the user terminal 100 to read bill information from the paper bill B1 (step S1). For example, the user U1 uses the camera function of the user terminal 100 to photograph and import the barcode printed on the paper bill B1. Here, the bill information is information including identification information of a business entity that is a billing source, identification information of a user who is a billing destination, a billing amount, a payment deadline, and the like. In the following explanation, the bill information printed on the bill is explained as a barcode, but the bill information can be not only a barcode but also a two-dimensional code (QR code (registered trademark)) or a predetermined code. It may be a mark, number, etc.

At this time, the user terminal 100 may receive an electronic bill B2 sent from a business terminal (not shown) of the business that is the billing source, instead of the paper bill B1. Here, the electronic bill B2 is a bill that can be paid online using electronic money as described above, and includes bill information.

Next, the payment server 10 acquires bill information from the user terminal 100 (step S2), and specifies a payable period from the bill information (step S3). For example, the payment server 10 identifies the date and time of the payment deadline from the bill information of the paper bill B1, and defines the period from the date and time when the bill information is acquired from the user terminal 100 to the date and time of the payment deadline as the payable period. Specify. Furthermore, when the barcode of the paper bill B1 does not include payment deadline information, the payment server 10 can set a predetermined period from the issue date as the payable period, or use OCR (Optical Character Recognition). Optical character recognition) technology can also be used to identify written payment deadlines.

Subsequently, the payment server 10 selects a payment date and time that satisfies predetermined conditions, and sets the selected payment date and time as the payment date and time of the obtained bill (step S4). For example, the payment server 10 identifies the date and time of the payment deadline from the bill information of the electronic bill B2, and sets the day before the payment deadline as the payment date and time. Further, the payment server 10 can also set an arbitrary date and time as the payment date and time, such as the day of the payment deadline, 48 hours before the payment deadline, or one week before the payment deadline. At this time, if the user U1 has previously specified a desired payment period such as after payday, the payment server 10 sets the payment date and time from the specified period.

The payment server 10 also provides a basic payment method for the above-mentioned payment made by the user U1 at a predetermined date and time, such as the day before the payment deadline, without specifying the payment date and time (as appropriate, "automatic payment"). Although the payment method is set, a setting button that allows switching on and off of the automatic payment setting may be displayed on the screen of the user terminal 100. That is, the payment server 10 displays a settings button with the automatic payment setting turned on as a screen displayed on the user terminal 100, but upon receiving an operation on the settings button by the user U1, the automatic payment setting is changed. You can also turn off automatic payment settings. In addition, the payment server 10 sets the payment date of the basic automatic payment to the day before the payment deadline of each bill, but the payment date can be set at any date and time within the payable period by accepting the designation by the user U1. It can also be changed.

At this time, the payment server 10 can select a payment date/time candidate that satisfies a predetermined condition from the specified payable period, and display candidate information regarding the selected candidate on the user terminal 100. For example, in addition to the above-mentioned automatic payment payment method, the payment server 10 can also perform payment on a payment date and time specified by the user U1 from the presented payment period (appropriately called "payment reservation"), Payments such as instant payments made at the timing of (appropriately referred to as "immediate payment") and payments made at a predetermined date and time based on the payment history (payment history) of user U1 for each invoice (appropriately referred to as "history payment"). The method can also be displayed on the user terminal 100 as candidate information.

To explain an example of a payment reservation, the payment server 10 displays, as candidate information, a calendar on the screen of the user terminal 100 from which the payment date and time can be selected. At this time, the payment server 10 can also display a calendar on the screen of the user terminal 100 in which dates such as those after the payment deadline that cannot be selected are grayed out.

To explain an example of immediate payment, the payment server 10 displays a button with a message such as "Pay now" written on the screen of the user terminal 100 as candidate information. At this time, the payment server 10 can also display a grayed-out button on the screen of the user terminal 100 to indicate that it cannot be selected if the date or time does not allow immediate payment.

To explain an example of historical payments, the payment server 10 displays, as candidate information, buttons on the screen of the user terminal 100 that allow selection and setting of historical payments. For example, the payment server 10 determines the past monthly payment dates (e.g., the 18th for water charges, the 20th for gas charges) from the payment history of user U1 for bills with the same bill ID included in the bill information. ) and displays the specified payment date on the user terminal 100 as the scheduled payment date.

At this time, the user U1 can also use the user terminal 100 to specify the payment method and payment date and time on the displayed content. For example, when the user U1 wants to cancel automatic payment, he taps a setting button displayed on the screen of the user terminal 100 that allows automatic payment to be turned on or off, and selects OFF. In addition, even when using automatic payment, if user U1 wants to change the payment date and time, he must specify the payment date and time as desired (for example, one week before the payment deadline). You can also do it.

In addition, when the user U1 selects a payment reservation, after canceling the automatic payment setting, the user U1 displays a screen for specifying the payment date and time on the screen of the user terminal 100, and can make a selection on the displayed calendar. Specify the payment date and time by tapping and selecting the desired date from the displayed dates. Further, when the user U1 selects immediate payment, the user U1 taps a button displayed on the screen of the user terminal 100 with a message such as "Pay Now". In addition, when the user U1 selects historical payment, after canceling the automatic payment setting, the user U1 taps a button that allows the selection and setting of historical payment displayed on the screen of the user terminal 100 to turn it on. Select and approve the proposed payment date.

Subsequently, the payment server 10 accepts the designation of the payment date and time from the user terminal 100.The payment server 10 accepts the designation of the year, month, day, and time of payment as the payment date and time designated by the user U1. Further, the payment server 10 can also store bill information received from the user terminal 100.

At this time, the payment server 10 can also accept a re-designation of the payment date and time or a change of the payment date and time from the user terminal 100. For example, when the automatic payment setting is canceled and a payment reservation is set, or when a history payment is set, the payment server 10 accepts changes to the specified payment date and time or the set history payment date and time. Further, the payment server 10 can also accept a change in payment method from the user terminal 100. For example, the payment server 10 receives a change in the payment method from the user terminal 100 indicating that the user desires immediate payment for the payment.

Subsequently, the payment server 10 executes payment processing based on the bill information at the payment date and time set by the payment server 10 or specified by the user U1 (step S5). For example, the payment server 10 transfers electronic money corresponding to the billing amount described as bill information from the account of the user U1 to the account of the business entity that is the billing source. The payment server 10 can also execute payment processing based on the stored bill information at the payment date and time specified by the user U1.

At this time, if the balance in the account of the user U1 is insufficient for the billed amount, the payment server 10 transfers electronic money from another account of the user U1 set in advance (automatic charging). You can also perform payment processing. Further, if automatic payment has not been canceled, the payment server 10 may send a push notification such as "Payment will be made today" on the day the payment processing is executed. Further, the payment server 10 may issue a similar push notification when automatic payment is canceled and the user U1 specifies a payment reservation or sets historical payment.

Finally, the payment server 10 notifies the user U1 of information regarding bill payment (step S6). For example, the payment server 10 notifies the user terminal 100 that payment of the bill of the user U1 has been completed.

At this time, when automatic charging is performed during bill payment processing, the payment server 10 may issue a notification to that effect. Further, when processing a bill, if the payment processing cannot be completed due to insufficient balance of electronic money, the payment server 10 notifies the user U1 of this fact and uses a screen to allow the user U1 to select a payment method. The information may be displayed on the user terminal 100. In addition, based on the monthly payment history of the user U1, if there is a possibility that the user U1 has forgotten to pay (for example, there is no payment of the water bill by the end of each month), the payment server 10 , a notification to that effect may also be given.

As described above, the payment server 10 according to the embodiment specifies the payable period of the bill, sets the payment date and time from the specified payable period, makes it possible to make a reservation for payment of the bill, and makes the payment of the bill possible. Forgetting to pay can be prevented. That is, the payment server 10 according to the embodiment can improve convenience for users. Furthermore, the payment server 10 according to the embodiment allows payment based on stored information even if a paper bill is lost, and sends various notifications to prevent forgetting to make a payment or insufficient balance in electronic money. By making this possible, user convenience can be further improved.

[2. Payment server configuration]
Next, the configuration of the payment server 10 will be described using FIG. 2. FIG. 2 is a diagram illustrating a configuration example of a payment server according to an embodiment. As shown in FIG. 2, the payment server 10 includes a communication section 20, a storage section 30, and a control section 40.

[2-1. Communication department 20]
The communication unit 20 is realized by, for example, a NIC (Network Interface Card). The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information between the user terminal 100, the operator terminal 200, and the like.

[2-2. Storage unit 30]
The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 2, the storage unit 30 includes an account database 31, a bill information database 32, and a user information database 33.

(Account database 31)
The account database 31 stores various information regarding accounts owned by users, business operators, etc. in electronic payment services. Here, an example of information stored in the account database 31 will be explained using FIG. 3. FIG. 3 is a diagram illustrating an example of an account database according to the embodiment. In the example of FIG. 3, the account database 31 has items such as "account ID", "owner information", and "account balance".

“Account ID” indicates identification information for identifying an account. "Owner information" indicates information regarding the owner of the account, and stores, for example, identification information for identifying the owner. “Account balance” indicates the balance of the account.

That is, FIG. 3 shows an example in which the information of the holder of the account identified by the account ID "AID #1" is "User #1" and the account balance is "7,800 yen."

(Bill information database 32)
The bill information database 32 stores various types of information indicated by bills created by billing businesses. Here, an example of information stored in the bill information database 32 will be explained using FIG. 4. FIG. 4 is a diagram illustrating an example of the bill information database according to the embodiment. In the example of FIG. 4, the bill information database 32 has items such as "Bill ID", "Business ID", "Billed Amount", and "Payment Deadline".

“Bill ID” indicates identification information for identifying a bill created by a business operator. "Business ID" indicates identification information for identifying the business that created the bill. “Billed amount” indicates the amount charged by the operator to the user. “Payment deadline” indicates the deadline by which the user can pay the billed amount to the business operator.

That is, in FIG. 4, the bill identified by the bill ID "BID #1" is created by the business entity identified by the business ID "MID #1", the bill amount is "Bill amount #1", and the bill is An example where the due date is "Payment deadline #1", the bill identified by bill ID "BID #2" is created by a business entity identified by business ID "MID #2", and the billed amount is " An example in which the billed amount #2 and the payment deadline is "payment deadline #2" are shown.

(User information database 33)
The user information database 33 stores various information regarding users of the electronic payment service provided by the payment server 10. Here, an example of information stored in the user information database 33 will be explained using FIG. 5. FIG. 5 is a diagram illustrating an example of a user information database according to the embodiment. In the example of FIG. 5, the user information database 33 has items such as "user ID", "payment history", "bill ID", and "payment date and time".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using electronic payment services, and stores information such as payment destination and payment amount. “Bill ID” indicates identification information for identifying a bill created by a business operator. “Payment date and time” indicates the date and time (payment reservation date and time) that the user desires to pay the bill within the payable period.

That is, in FIG. 5, the payment history of the user identified by the user ID "UID #1" is "Payment history #1", and the payment reservation date and time of the bill identified by "BID #1" is "Payment date and time". #1" and the scheduled payment date and time of the bill identified by "BID #2" is "Payment date and time #2."

[2-3. Control unit 40]
The control unit 40 is a controller, and for example, various programs stored in the storage device inside the payment server 10 use the RAM as a work area by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), etc. This is achieved through execution. Further, the control unit 40 is a controller, and is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 2, the control unit 40 according to the embodiment includes an acquisition unit 41, a specification unit 42, a setting unit 43, a display unit 44, a reception unit 45, a payment processing unit 46, and a notification unit 47. and realizes or executes the information processing functions and operations described below.

(Acquisition unit 41)
The acquisition unit 41 acquires bill information indicated by the bill. For example, the acquisition unit 41 acquires bill information indicated by a bill photographed by a user's user terminal. That is, the acquisition unit 41 receives a photograph of the barcode of the paper bill B1 using the camera function of the user terminal 100 through the operation of the user U1, and receives bill information read from the barcode. Further, the acquisition unit 41 receives bill information indicated by a bill transmitted to the user terminal of the user. That is, the acquisition unit 41 receives bill information included in the electronic bill B2 transmitted by the business terminal and received by the user terminal 100. Further, the acquisition unit 41 may receive bill information included in the electronic bill B2 selected by the user U1 from among the plurality of electronic bills B2 received by the user terminal 100. Here, the acquisition unit 41 receives a bill ID, a business ID, a bill amount, a payment deadline, etc. as bill information. Note that the acquisition unit 41 stores the acquired bill information in the bill information database 32.

(Specific part 42)
The identification unit 42 identifies the payable period based on the acquired bill information. For example, the identifying unit 42 identifies the date and time of the payment deadline from the bill information of the paper bill B1, and defines the period from the date and time when the bill information is acquired from the user terminal 100 to the date and time of the payment deadline as the payable period. Specify. At this time, if there is a time period during which payment cannot be executed due to server maintenance or the like, the specifying unit 42 can also specify the time period.

(Setting section 43)
The setting unit 43 selects a payment date that satisfies a predetermined condition from the specified payable period, and sets the selected payment date. For example, the setting unit 43 sets the date corresponding to a predetermined time before the payment deadline indicated by the bill information as the payment date. That is, the setting unit 43 can set a date and time corresponding to one day (the day before) the payment deadline, 48 hours before the payment deadline, one week before the payment deadline, etc. as the payment date and time.

(Display section 44)
The display unit 44 selects a candidate payment date that satisfies a predetermined condition from the specified payable period, and displays candidate information regarding the selected candidate. For example, the display unit 44 selects a candidate payment date such as a period after the payday within the payable period, and displays content on the user terminal 100 for selecting a payment method that allows payment to be made on the candidate payment date. indicate. At this time, the display unit 44 selects a candidate payment date based on the user U1's designation and the user U1's payment history, and displays content for selecting the above payment method on the user terminal 100.

To explain an example of displayed content, the display unit 44 displays content from which a payment date can be selected as candidate information regarding payment reservations. For example, the display unit 44 displays a calendar from which a payment date can be selected as content. Furthermore, the display unit 44 displays content from which a designation for immediate payment can be selected as candidate information regarding immediate payment. For example, the display unit 44 displays a button on the screen of the user terminal 100 with a message such as "Pay now" written thereon. Furthermore, the display unit 44 displays, as candidate information regarding history payments, content from which a designation for making payments on a predetermined date based on the user's payment history can be selected. For example, the display unit 44 displays buttons on the screen of the user terminal 100 that allow selection and setting of historical payments.

(Reception Department 45)
The reception unit 45 also accepts the designation of the payment date from the displayed candidate information. For example, the reception unit 45 accepts the designation of the payment date by operating the content to select a payment method such as automatic payment, payment reservation, instant payment, or historical payment. At this time, the accepting unit 45 may further accept the designation of the time at which the payment is to be made.

To explain an example of a designation accepted for each content, the reception unit 45 receives a designation to perform payment on a predetermined date based on the payment deadline by operating the automatic payment content. For example, the reception unit 45 accepts automatic payment settings when the user U1 taps a setting button displayed on the screen of the user terminal 100 that allows automatic payment to be turned on or off. When the user U1 taps a button to approve the scheduled payment date presented on the screen, the specified payment date is accepted.

Further, the accepting unit 45 accepts designation of the selected payment date by operating the content of the payment reservation. For example, the reception unit 45 accepts the payment date specified by the user U1 by tapping the calendar displayed on the screen of the user terminal 100. Further, the accepting unit 45 accepts a designation for immediate payment by operating on the instant payment content. For example, the reception unit 45 accepts the specified payment date and time (immediately) when the user U1 taps a button with a message such as "Pay Now" displayed on the screen of the user terminal 100. accept. Further, the accepting unit 45 accepts a designation for making a payment on a predetermined date based on the payment history of the user U1 by operating the history payment content. For example, the reception unit 45 accepts automatic payment settings when the user U1 taps a button displayed on the screen of the user terminal 100 that allows selection and setting of historical payments, and When the user U1 taps a button to approve the presented scheduled payment date, the specified payment date is accepted.

The reception unit 45 also accepts changes to the payment date and time. For example, the accepting unit 45 accepts changes to the desired payment date, etc. within the payable period regarding bill B1 for which payment has not been completed. Specifically, if automatic payment has not been canceled, the reception unit 45 changes the payment date, etc. in automatic payment, or changes the payment date, etc. based on changing the payment method to payment reservation or historical payment. accept. At this time, when accepting a change in the payment method to immediate payment, the reception unit 45 accepts the change to the designation of immediate payment on the specified payment date, etc.

Note that the reception unit 45 stores the received designation of payment date, etc., and changes in the payment date, etc., in the user information database 33.

(Payment processing unit 46)
The payment processing unit 46 performs payment based on the bill information on the set payment date. At this time, the payment processing unit 46 may perform the payment at the time when the designation is accepted. For example, the payment processing unit 46 performs payment based on bill information indicated by the bill photographed by the user terminal 100 of the user U1. Further, the payment processing unit 46 performs payment based on the bill information indicated by the bill sent to the user terminal 100 of the user U1. Further, the payment processing unit 46 performs payment based on the bill information stored in the storage unit. That is, since the payment processing unit 46 performs the payment using the bill information indicated by the bill photographed by the user terminal 100 of the user U1, even if the user U1 loses the paper bill B1, You can also make payments. Furthermore, when the acceptance unit 45 accepts a change in the payment date or time, the payment processing unit 46 performs the payment based on the bill information on the payment date or time for which the change was accepted. Furthermore, when the acceptance unit 45 accepts a designation for immediate payment, the payment processing unit 46 immediately performs the designated payment.

At this time, the payment processing unit 46 transfers the amount of electronic money indicated by the billed amount from the user's account indicated by the user ID to the business account indicated by the business office ID at the specified payment date and time. . Further, the payment processing unit 46 performs payment based on the bill information on the payment date and time for which the change was accepted. Furthermore, if the electronic money owned by the user is insufficient for the billed amount of the payment based on the bill information, the payment processing unit 46 electronically transfers the insufficient amount from a predetermined account set by the user. Transfer as money and make the relevant payment. In addition, the payment using the user terminal 100 is not limited to the process of transferring electronic money from the account to which the user U1 has charged electronic money in advance to the store A's account. Payment may be made using a card. In such a case, for example, the user terminal 100 may transfer the electronic money of the payment amount to the store A's account and request the payment amount from the company that operates the credit card of the user U1. .

(Notification section 47)
The notification unit 47 notifies the user U1 of information regarding payment. Furthermore, the notification unit 47 notifies the user U1 regarding a payment that may not have been completed based on the past payment history of the user U1. Furthermore, if the electronic money owned by the user U1 is insufficient for the billed amount of the payment, the notification unit 47 notifies the user U1 that the electronic money is insufficient. . Furthermore, if the electronic money possessed by the user U1 is insufficient for the billed amount of payment, the notification unit 47 notifies the user U1 to request electronic money to be deposited.

[3. Specific example of display screen]
Specific examples of display screens displayed by the payment server 10 according to the embodiment will be described using FIGS. 6 to 11. 6 to 11 are diagrams showing specific examples of display screens according to the embodiment. Below, a display screen related to processing of paper bill B1 and a display screen related to processing of electronic bill B2 will be explained in order.

[3-1. Paper bill B1]
A specific example of a display screen related to the processing of paper bill B1, which is displayed by the payment server 10 according to the embodiment, will be explained using FIGS. 6 and 7. Below, the display screen related to the reading process and the display screen of the management list will be explained in this order.

(Display screen related to reading process)
The display screen related to the reading process of the paper bill B1 will be explained using FIG. 6. First, the bill payment top screen (see Figure 6 (1)) is displayed, and by tapping the "Read bill" display, the screen for reading the barcode of paper bill B1 with the camera (Figure 6 (2)) is displayed. )).

Next, the barcode of the paper bill B1 is read with a camera, and if a payment date and time can be specified, a transition is made to a details screen (see FIG. 6 (3)) where immediate payment or payment reservation can be selected. On the other hand, if payment reservation is not possible, the screen transitions to a details screen (see FIG. 6 (4)) where only immediate payment can be selected.

Here, by tapping the "Register automatic payment date" display on the screen in Figure 6 (3), a calendar screen showing the payable period with the dates of the insolvent period grayed out (see Figure 6 (5)) is displayed. At this time, tap the date field on the calendar screen for which you wish to pay (see Figure 6 (6)), tap the "Register" display (see Figure 6 (7)), and if registration is successful, click " The screen changes to a screen displaying a successful registration message such as "Automatic payment date has been registered" (see Figure 6 (13)).

Furthermore, even if a payment reservation is registered as described above, if you wish to make an immediate payment, you can do so by tapping the "Pay now" display (see Figure 6 (14)). It becomes possible. Furthermore, by tapping the "Change" display on the screen shown in FIG. 6 (14), the date and time of the registered payment reservation can be changed.

On the other hand, if the payment reservation registration fails on the screen in Figure 6 (7), a screen will display the registration failure such as "Automatic payment date registration failed" (see Figure 6 (15)) , and a text prompting you to specify the reason for the failure and respecify the payment date and time will be displayed.

In addition, on the calendar screen in Figure 6 (5), if there is a registration of payment reservation for another bill that has already been registered, the number of registrations (Figure 6 (8)) will be displayed. In the example of FIG. 6(8), one payment reservation is registered on January 26th and three payment reservations are registered on January 28th. At this time, by tapping the registered date column, it is possible to confirm the registered contents and reset the payment date and time (see (9) to (12) in FIG. 6).

(Management list display screen)
The display screen of the management list of paper bill B1 will be explained using FIG. 7. First, the bill payment top screen (see Figure 7 (1)) is displayed, and by tapping the "Automatic payment management" display, the paper bill B1 management list display screen (see Figure 7 (2)) is displayed. ). At this time, by tapping the "Add bill" display on the screen of FIG. 7(2), it is possible to additionally register a payment reservation for the paper bill B1 or electronic bill B2.

Next, on the screen of FIG. 7(2), if there is a registrable electronic bill B2, the screen changes to a screen for selecting a registrable electronic bill B2 (see FIG. 7(3)). At this time, by selecting the electronic bill B2 on the screen shown in FIG. 7(3), the screen changes to a screen (see FIG. 7(4)) that displays the completion of additional registration in the payment reservation.

On the other hand, on the screen in Figure 7 (2), if there is no electronic bill B2 that can be registered, but there is a paper bill B1 that can be registered, tap the "Read bill" display to read the paper bill. The screen changes to a screen where the barcode of bill B1 is read with a camera (see FIG. 7 (5)), and the screen changes to a details screen (see FIG. 7 (6)) where immediate payment or payment reservation can be selected. At this time, a screen for selecting automatic payment settings can also be displayed on the screen shown in FIG. 7(6).

[3-2. Electronic bill B2]
A specific example of a display screen related to the processing of electronic bill B2, which is displayed by the payment server 10 according to the embodiment, will be described with reference to FIGS. 8 to 11. Below, the display screen of the payment history list, the display screen of the electronic bill details screen, and the display screen of the management list will be explained in this order.

(Payment history list display screen)
The display screen of the payment history list of the electronic bill B2 will be explained using FIG. 8. First, the bill payment top screen (see Figure 8 (1)) is displayed, and by tapping the display of the bill for which you want to display the payment history list, the display screen for the payment history list of electronic bill B2 (see Figure 8 (1)) is displayed. 2)).

Next, on the screen shown in Figure 8 (2), by turning on the "Automatic Payment" setting button, a screen (Fig. 8 (3) )). For example, by setting the above-mentioned automatic payment, it is possible to automatically make payment on the day before the payment deadline indicated by electronic bill B2 without specifying the payment date and time. Here, the settlement date of the automatic payment described above is not limited to the day before the payment deadline, but can be set any time before the payment deadline, and the setting can also be changed. In addition, the automatic payment setting described above can be canceled and a payment reservation specifying a payment date and time can be selected, or immediate payment can be selected.

In addition, when the above automatic payment settings are completed, settings such as "Automatic payment every month" will be displayed on the bill payment top screen (see Figure 8 (4) to (5)). Is displayed. On the other hand, by tapping "Confirm automatic payment schedule" on the screen shown in FIG. 8(3), the screen transitions to the automatic payment management screen.

(Display screen 1 of electronic bill details screen)
Display screen 1 of the electronic bill details screen of electronic bill B2 will be explained using FIG. 9. First, the bill payment top screen (see Figure 9 (1)) is displayed, and by tapping the display of the bill for which you want to display the electronic bill details screen, you can tap the electronic bill payment top screen (see Figure 9 (1)) for electronic bill B2. (See (2)).

Next, on the screen shown in Figure 9 (2), by turning on the "Automatic Payment" setting button, a screen (Figure 9 (3) )). For example, by setting the above-mentioned automatic payment, it is possible to automatically make payment on the day before the payment deadline indicated by electronic bill B2 without specifying the payment date and time. Here, the settlement date of the automatic payment described above is not limited to the day before the payment deadline, but can be set any time before the payment deadline, and the setting can also be changed. Furthermore, as shown in the example in Figure 9 (4), even if the "Automatic payment" setting button is turned on, the automatic payment setting can be canceled or the "Pay now" display can be turned on. By tapping, you can make an immediate payment or change the payment date and time to a specified payment reservation.

(Display screen 2 of electronic bill details screen)
Display screen 2 of the electronic bill details screen of electronic bill B2 will be explained using FIG. 10. First, the bill payment top screen (see Figure 10 (1)) is displayed, and by tapping the display of the bill for which you want to display the electronic bill details screen, you can tap the electronic bill payment top screen (see Figure 10 (1)) for electronic bill B2. (See (2)).

Next, on the screen shown in Figure 10 (2), if the "Pay" display is tapped and the automatic payment setting is on, immediate payment is executed and the screen transitions to the payment completion screen (see Figure 10 (4)). . On the other hand, in the screen of FIG. 10(2), if the "Pay" display is tapped and the automatic payment setting is off, the screen changes to a screen where automatic payment settings are possible (see FIG. 10(3)). On the screen in Figure 10 (3), by tapping the "Turn on automatic payment for this bill" display, you can complete the automatic payment settings to perform automatic payment before the payment deadline every month (Figure 10). 10(5)). For example, by setting the above-mentioned automatic payment, it is possible to automatically make payment on the day before the payment deadline indicated by electronic bill B2 without specifying the payment date and time.

(Management list display screen)
The display screen of the management list of electronic bill B2 will be explained using FIG. 11. First, the bill payment top screen (see Figure 11 (1)) is displayed, and by tapping the "Automatic payment management" display, the electronic bill B2 management list display screen (see Figure 11 (2)) Transition to. At this time, by tapping the "Add bill" display on the screen shown in FIG. 11(2), it is possible to additionally register a payment reservation for the paper bill B1 or the electronic bill B2.

Next, on the screen of FIG. 11(2), if there is a registrable electronic bill B2, the screen changes to a screen for selecting a registrable electronic bill B2 (see FIG. 11(3)). By selecting electronic bill B2 on the screen shown in FIG. 11(3), the screen changes to a screen (see FIG. 11(4)) that displays completion of additional registration for payment reservation.

On the other hand, on the screen in Figure 11 (2), if there is no electronic bill B2 that can be registered but there is a paper bill B1 that can be registered, you can read the paper bill by tapping the "Read bill" display. The screen changes to a screen where the barcode of bill B1 is read with a camera (see FIG. 11 (5)), and the screen changes to a details screen (see FIG. 11 (6)) where you can select immediate payment or payment reservation. At this time, a screen for selecting automatic payment settings can also be displayed on the screen shown in FIG. 11(6).

[4. Provision process flow]
The information processing procedure of the payment server 10 according to the embodiment will be described using FIG. 12. FIG. 12 is a flowchart illustrating an example of an information processing procedure according to the embodiment. Note that steps S101 to S106 below can also be executed in a different order. Furthermore, some processes may be omitted from steps S101 to S106 below.

First, the acquisition unit 41 of the payment server 10 executes bill information acquisition processing (step S101). For example, the acquisition unit 41 acquires bill information read from a paper bill B1 by the user U1 using the user terminal 100.

Second, the specifying unit 42 of the payment server 10 executes a payable period specifying process (step S102). For example, the specifying unit 42 specifies the date and time of the payment deadline from the bill information, and specifies the period from the date and time when the bill information is acquired from the user terminal 100 to the date and time of the payment deadline as the payable period.

Thirdly, the setting unit 43 of the payment server 10 executes payment date and time setting processing (step S103). For example, the setting unit 43 sets automatic payment to be paid on the day before the payment deadline. At this time, the display unit 44 of the payment server 10 displays content on the screen of the user terminal 100 that allows selection of payment methods such as payment reservation, instant payment, and historical payment, as candidate information for payment methods other than those described above. Good too.

Fourth, the reception unit 45 executes payment date and time reception processing (step S104). For example, the reception unit 45 accepts the payment date and time specified by the user U1 using the user terminal 100.

Fifth, the payment processing unit 46 executes payment processing (step S105). For example, the payment processing unit 46 executes payment processing based on the bill information at the payment date and time specified by the user U1.

Sixthly, the notification unit 47 executes a notification process (step S106), and ends the process. For example, the notification unit 47 notifies the user U1 of information regarding bill payment (eg, insufficient payment amount, completion of automatic charging, etc.).

[5. effect〕
As described above, the payment server 10 according to the embodiment includes the acquisition section 41, the identification section 42, the setting section 43, the display section 44, the reception section 45, the payment processing section 46, and the notification section 47. has.

The acquisition unit 41 acquires bill information indicated by the bill, the identification unit 42 identifies the payable period based on the bill information, and the setting unit 43 determines predetermined conditions from the specified payable period. The payment processing unit 46 selects the payment date and time that satisfies the payment date and time, sets the selected payment date and time, and performs payment based on the bill information on the set payment date and time. Thereby, the payment server 10 according to the embodiment can improve convenience for users.

Further, the acquisition unit 41 acquires bill information indicated by a bill photographed by the user's user terminal. Thereby, the payment server 10 according to the embodiment can improve convenience for users using the bill information indicated by the paper bill B1.

The acquisition unit 41 also acquires bill information indicated by the bill sent to the user terminal of the user. Thereby, the payment server 10 according to the embodiment can improve convenience for users using the bill information indicated by the electronic bill B2.

Further, the setting unit 43 sets a date and time corresponding to a predetermined time before the payment deadline indicated by the bill information as the payment date and time. Thereby, the payment server 10 according to the embodiment can improve convenience for users by automatically executing payment at a predetermined date and time.

Further, the display unit 44 selects a payment date/time candidate that satisfies a predetermined condition from the specified payable period, displays candidate information regarding the selected candidate, and the reception unit 45 selects a payment date and time candidate from the displayed candidate information. Accepts date and time specifications. Thereby, the payment server 10 according to the embodiment can improve convenience for the user by executing payment using content that allows a selectable payment method.

Further, the display unit 44 displays content from which a payment date and time can be selected as candidate information, the reception unit 45 accepts designation of the selected payment date and time by operating the content, and the payment processing unit 46 processes the payment. will be made on the designated payment date and time. Thereby, the payment server 10 according to the embodiment can improve convenience for the user by executing payment using content with a selectable payment date and time.

In addition, the display unit 44 displays, as candidate information, content in which a designation for immediate payment can be selected, the reception unit 45 accepts a designation for immediate payment by an operation on the content, and the payment processing unit 46 , the payment for which the designation is accepted will be made immediately. Thereby, the payment server 10 according to the embodiment can improve convenience for users by executing payment using content that can be paid instantly.

In addition, the display unit 44 displays, as candidate information, content that allows selection of designation for payment at a predetermined date and time based on the user's payment history. The payment processing unit 46 receives a designation to perform the payment at a predetermined date and time based on the user's payment history, and performs the payment at a predetermined date and time based on the user's payment history. Thereby, the payment server 10 according to the embodiment can improve convenience for the user by executing payment using content that allows payment based on the user's action history.

Further, the reception unit 45 further accepts a change in the payment date and time, and the payment processing unit 46 performs the payment at the payment date and time for which the change has been accepted. Thereby, the payment server 10 according to the embodiment can improve convenience for users by enabling changes to payment reservations.

The payment server 10 according to the embodiment further includes a storage unit 30 that stores bill information, and the payment processing unit 46 performs payment based on the bill information stored in the storage unit 30. Thereby, the payment server 10 according to the embodiment can improve convenience for users by allowing payment without storing paper bills.

The notification unit 47 further notifies the user U1 regarding a payment that may not have been completed based on the past payment history of the user U1. Thereby, the payment server 10 according to the embodiment can further prevent forgetting to pay a bill, and can improve convenience for the user.

If the electronic money owned by the user U1 is insufficient for the billed amount of the payment, the payment processing unit 46 transfers the insufficient amount as electronic money from a predetermined account set by the user U1, Make payment. Thereby, the payment server 10 according to the embodiment can prevent inability to pay due to forgetting to charge electronic money, and can improve convenience for users.

If the electronic money owned by the user U1 is insufficient for the billed amount of payment, the notification unit 47 further notifies the user U1 that the electronic money is insufficient. Thereby, the payment server 10 according to the embodiment can recognize forgetting to charge electronic money, and can improve convenience for the user.

If the electronic money possessed by the user U1 is insufficient for the billed amount of payment, the notification unit 47 further notifies the user U1 to request electronic money to be deposited. Thereby, the payment server 10 according to the embodiment can avoid forgetting to charge electronic money, and can improve convenience for the user.

[6. Hardware configuration]
Further, the payment server 10 according to each of the embodiments described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. 13. The payment server 10 will be described below as an example. FIG. 13 is a hardware configuration diagram showing an example of a computer that implements the functions of a payment server. Computer 1000 has CPU 1100, RAM 1200, ROM 1300, HDD 1400, communication interface (I/F) 1500, input/output interface (I/F) 1600, and media interface (I/F) 1700.

CPU 1100 operates based on a program stored in ROM 1300 or HDD 1400, and controls each part. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started, programs depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from other devices via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also sends data generated by CPU 1100 to other devices via communication network 500. Send to device.

The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and mouse via an input/output interface 1600. CPU 1100 obtains data from an input device via input/output interface 1600. Further, CPU 1100 outputs the generated data to an output device via input/output interface 1600.

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1200. CPU 1100 loads this program from recording medium 1800 onto RAM 1200 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the payment server 10, the CPU 1100 of the computer 1000 realizes the functions of the control unit 40 by executing a program loaded onto the RAM 1200. Further, each data in the storage device of the payment server 10 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via a predetermined communication network.

[7. others〕
Although the embodiments of the present application have been described above, the present invention is not limited to the contents of these embodiments. Furthermore, the above-mentioned components include those that can be easily assumed by those skilled in the art, those that are substantially the same, and those that are in a so-called equivalent range. Furthermore, the aforementioned components can be combined as appropriate. Furthermore, various omissions, substitutions, or changes of the constituent elements can be made without departing from the gist of the embodiments described above.

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

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

For example, the above-mentioned payment server 10 may be realized by a plurality of server computers, and depending on the function, it may be realized by calling an external platform etc. using an API (Application Programming Interface), network computing, etc. Can be changed flexibly.

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

Further, the above-mentioned "section, module, unit" can be read as "means", "circuit", etc. For example, the control section can be read as a control means or a control circuit.

1 Information processing system 10 Payment server 20 Communication unit 30 Storage unit 31 Account database 32 Bill information database 33 User information database 40 Control unit 41 Acquisition unit 42 Identification unit 43 Setting unit 44 Display unit 45 Reception unit 46 Payment processing unit 47 Notification Section 100 User terminal

Claims (22)

an acquisition unit that acquires bill information indicated by the bill through a user terminal of a user that photographs a predetermined code or a character string used for optical character recognition or receives data from a predetermined terminal;
a specifying unit that specifies a payable period based on the bill information;
a setting unit that selects a payment date that satisfies a predetermined condition from the specified payable period and sets the selected payment date;
a payment processing unit that performs payment based on the bill information on the set payment date;
An information processing device comprising: In a payment service that uses a user's user terminal, when a notification of user identification information that identifies the user, payment destination identification information that identifies the payment destination, and payment amount is received, the payment amount for the payment amount is received. The invoice information indicated by the invoice is processed through an application that provides a payment service that debits electronic money from the account corresponding to the user identification information and deposits the payment amount into the account corresponding to the payment destination identification information. an acquisition unit that acquires
a specifying unit that specifies a payable period based on the bill information;
a setting unit that selects a payment date that satisfies a predetermined condition from the specified payable period and sets the selected payment date;
Electronic money corresponding to the payment amount indicated by the bill information is debited from the account corresponding to the user, and electronic money corresponding to the payment amount indicated by the bill information is transferred to the account corresponding to the business identification information indicated by the bill information. a payment processing unit that performs payment on the set payment date by making a deposit, based on the bill information;
An information processing device comprising: In a payment service that uses a user's user terminal, when a notification of user identification information that identifies the user, payment destination identification information that identifies the payment destination, and payment amount is received, the payment amount for the payment amount is received. The invoice information indicated by the invoice is processed through an application that provides a payment service that debits electronic money from the account corresponding to the user identification information and deposits the payment amount into the account corresponding to the payment destination identification information. an acquisition unit that acquires
a specifying unit that specifies a payable period based on the bill information;
a setting unit that selects a payment date that satisfies a predetermined condition set in advance by a user via the application from the specified payable period, and sets the selected payment date;
a payment processing unit that performs payment based on the bill information on the set payment date via the application;
An information processing device comprising: The acquisition unit acquires the bill information indicated by the bill photographed by a user terminal of a user.
The information processing device according to any one of claims 1 to 3. The acquisition unit acquires the bill information indicated by the bill transmitted to a user terminal of a user.
The information processing device according to any one of claims 1 to 3. The setting section includes:
setting as the payment date a day corresponding to a predetermined time before the payment deadline indicated by the bill information;
The information processing device according to any one of claims 1 to 5. a display unit that selects a payment date candidate that satisfies a predetermined condition from the specified payable period and displays candidate information regarding the selected candidate;
a reception unit that accepts the designation of the payment date from the displayed candidate information;
The information processing device according to any one of claims 1 to 6, further comprising: The display section is
Displaying content from which the payment date can be selected as the candidate information;
The reception department is
accepting the designation of the selected payment date through an operation on the content;
The payment processing unit is
making the payment on the payment date for which the designation is accepted;
The information processing device according to claim 7, characterized in that: The display section is
displaying as the candidate information content from which a designation for immediately making the payment can be selected;
The reception department is
Accepting a designation to perform the payment immediately by operation on the content,
The payment processing unit is
Immediately perform the payment for which the specification has been accepted;
The information processing device according to claim 7 or 8, characterized in that: The display section is
Displaying, as the candidate information, content in which a designation for making the payment on a predetermined date based on the user's payment history can be selected;
The reception department is
Accepting a designation for making the payment on a predetermined date based on the user's payment history through an operation on the content;
The payment processing unit is
making the payment on a predetermined date based on the payment history of the user;
The information processing device according to any one of claims 7 to 9. The reception department is
further accepting the specification of the time for said payment;
The payment processing unit is
carrying out the payment at the time when the specification is accepted;
The information processing device according to any one of claims 7 to 10. The reception department is
further accepting a change in said payment date;
The payment processing unit is
make the payment on the payment date on which the change is accepted;
The information processing device according to any one of claims 7 to 11. a storage unit that stores the bill information;
Furthermore,
The payment processing unit is
making a payment based on the bill information stored in the storage unit;
The information processing device according to any one of claims 1 to 12. The payment processing unit is
If the electronic money owned by the user is insufficient for the billed amount for the payment, the insufficient amount is transferred as electronic money from a predetermined account set by the user and the payment is performed;
The information processing device according to any one of claims 1 to 13. If the electronic money owned by the user is insufficient for the billed amount of the payment, a notification unit that notifies the user that the electronic money is insufficient;
The information processing apparatus according to any one of claims 1 to 14, further comprising:. The notification section is
If the amount of electronic money owned by the user is insufficient for the billed amount of the payment, further notifying the user to request the user to deposit the electronic money;
The information processing device according to claim 15. An information processing method performed by a computer, the method comprising:
an acquisition step of acquiring bill information indicated by the bill through a user terminal of a user who photographs a predetermined code or a character string used for optical character recognition or receives data from a predetermined terminal;
a specifying step of specifying a payable period based on the bill information;
a setting step of selecting a payment date that satisfies a predetermined condition from the specified payable period and setting the selected payment date;
a payment processing step of performing payment based on the bill information on the set payment date;
An information processing method characterized by comprising: An information processing method performed by a computer, the method comprising:
In a payment service that uses a user's user terminal, when a notification of user identification information that identifies the user, payment destination identification information that identifies the payment destination, and payment amount is received, the payment amount for the payment amount is received. The invoice information indicated by the invoice is processed through an application that provides a payment service that debits electronic money from the account corresponding to the user identification information and deposits the payment amount into the account corresponding to the payment destination identification information. an acquisition step of acquiring
a specifying step of specifying a payable period based on the bill information;
a setting step of selecting a payment date that satisfies a predetermined condition from the specified payable period and setting the selected payment date;
Electronic money corresponding to the payment amount indicated by the bill information is debited from the account corresponding to the user, and electronic money corresponding to the payment amount indicated by the bill information is transferred to the account corresponding to the business identification information indicated by the bill information. a payment processing step of making a payment based on the bill information on the set payment date by making a deposit;
An information processing method characterized by comprising: An information processing method performed by a computer, the method comprising:
In a payment service that uses a user's user terminal, when a notification of user identification information that identifies the user, payment destination identification information that identifies the payment destination, and payment amount is received, the payment amount for the payment amount is received. The invoice information indicated by the invoice is processed through an application that provides a payment service that debits electronic money from the account corresponding to the user identification information and deposits the payment amount into the account corresponding to the payment destination identification information. an acquisition step of acquiring
a specifying step of specifying a payable period based on the bill information;
a setting step of selecting a payment date that satisfies predetermined conditions set in advance by the user from the specified payment period through the application, and setting the selected payment date;
a payment processing step of making a payment based on the bill information on the set payment date via the application;
An information processing method characterized by comprising: an acquisition procedure of acquiring bill information indicated by the bill through a user terminal of a user who photographs a predetermined code or a character string used for optical character recognition or receives data from a predetermined terminal;
a specific step of specifying a payable period based on the bill information;
a setting procedure of selecting a payment date that satisfies a predetermined condition from the specified payable period and setting the selected payment date;
a payment processing procedure for making a payment based on the bill information on the set payment date;
An information processing program that causes a computer to execute. In a payment service that uses a user's user terminal, when a notification of user identification information that identifies the user, payment destination identification information that identifies the payment destination, and payment amount is received, the payment amount for the payment amount is received. The invoice information indicated by the invoice is processed through an application that provides a payment service that debits electronic money from the account corresponding to the user identification information and deposits the payment amount into the account corresponding to the payment destination identification information. The retrieval procedure for retrieving the
a specific step of specifying a payable period based on the bill information;
a setting procedure of selecting a payment date that satisfies a predetermined condition from the specified payable period and setting the selected payment date;
Electronic money corresponding to the payment amount indicated by the bill information is debited from the account corresponding to the user, and electronic money corresponding to the payment amount indicated by the bill information is transferred to the account corresponding to the business identification information indicated by the bill information. A payment processing procedure for making a payment based on the bill information on the set payment date by making a deposit;
An information processing program that causes a computer to execute. In a payment service that uses a user's user terminal, when a notification of user identification information that identifies the user, payment destination identification information that identifies the payment destination, and payment amount is received, the payment amount for the payment amount is received. The invoice information indicated by the invoice is processed through an application that provides a payment service that debits electronic money from the account corresponding to the user identification information and deposits the payment amount into the account corresponding to the payment destination identification information. The retrieval procedure for retrieving the
a specific step of specifying a payable period based on the bill information;
A setting procedure of selecting a payment date that satisfies predetermined conditions set in advance by the user from the specified payment period through the application, and setting the selected payment date;
A payment processing procedure for making a payment based on the bill information on the set payment date via the application;
An information processing program that causes a computer to execute.

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