Patent ID: 8694430

Claim:
An information processing device, comprising: a server, the server comprising: a debit requesting module, implemented on a processor, which requests that a bank debit a bill amount of an item of transactions of a credit card from a payment account of the credit card; a balance determination module which determines whether or not a balance of the payment account is insufficient for the bill amount of the item of transactions of the credit card based on a notification of a result of the debit from the bank; and a change module which changes, when it is determined that the balance of the payment account is insufficient, a payment method for the bill amount of at least one item of the transactions which uses a variable payment method, which is a method of making a payment with a payment unit that varies for each item of transactions depending on an amount of the item of transactions of the credit card, to a fixed payment method, which is a method of paying a predetermined fixed amount of money as a unit.