JP6785646B2 - Withdrawal processing device - Google Patents

Description

The present invention relates to a withdrawal processing device.

With the spread of the Internet in the near future, service providers are widely providing services using the Internet. For example, financial services such as deposit management and asset management, as represented by net banks, have come to be provided to customers via the Internet. In particular, financial service providers are trying to develop their own services in order to differentiate themselves from their competitors.

For example, Patent Document 1 describes a payment system in which when a customer having a foreign currency account pays foreign currency using a credit card in a foreign country, the amount of the credit card used is deducted from the foreign currency account instead of the account in the home currency. Is described. If the amount of credit card usage in a foreign country is deducted from the account in the home currency, the customer will bear the conversion cost incurred between the foreign currency and the home currency. On the other hand, the payment system is beneficial to the customer in that the cost paid by the customer can be reduced.

However, in the above payment system, when the deposit balance of the foreign currency account is insufficient for the credit card usage amount, the credit card usage amount is treated as unsettled. As a result, for example, late payment fees may be incurred, and the customer may be forced to bear the burden due to insufficient balance of the deposit account in the currency to be settled. Therefore, Patent Document 2 describes a withdrawal processing method for compensating for the shortage of the deposit balance of the foreign currency account from the deposit account of the home currency in order to suppress the possibility of imposing a burden on the customer due to the insufficient balance of the deposit account of the currency to be settled. Is disclosed.

Japanese Unexamined Patent Publication No. 2001-229247 JP-A-2009-238104

However, since the time when the credit card is used and the time when the payment is made for the usage amount are different, the exchange rate may fluctuate from the time when the credit card is used to the time when the payment is made. Therefore, when a credit card is used, if part or all of the usage amount is converted according to the exchange rate between multiple types of currencies, the risk due to fluctuations in the exchange rate (hereinafter, also simply referred to as "exchange risk"). .) May be given to the customer.

Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to suppress the possibility of imposing a burden on the customer while suppressing the foreign exchange risk given to the customer. The purpose is to provide a new and improved withdrawal processing device.

In order to solve the above problem, according to a certain viewpoint of the present invention, the communication unit that receives the withdrawal request including the first withdrawal amount according to the price in the predetermined withdrawal currency of the product transmitted at the time of the product purchase request. And, the balance of the deposit account of the compensation currency is insufficient for the compensation amount of the predetermined compensation currency converted by the rate at the time of receiving the withdrawal request as a part or all of the first withdrawal amount as the conversion target amount. If the compensation judgment unit that determines whether or not the payment is made and the balance of the deposit account of the compensation currency is insufficient for the compensation amount, the amount equivalent to the shortage of the deposit account balance of the compensation currency for the compensation amount The loan amount by automatic financing is applied to the deposit account balance of the compensation currency, the compensation amount is supplemented to the deposit account balance of the withdrawal currency from the deposit account balance of the compensation currency after allocation, and the withdrawal currency after compensation is applied. A withdrawal processing unit that performs withdrawal processing from the deposit account balance, and a notification unit that notifies a product purchase completion notification indicating that the purchase of the product has been completed in response to the product purchase request after the withdrawal processing by the withdrawal processing unit. , A withdrawal processing apparatus is provided.

In the withdrawal processing device, the withdrawal request includes a second withdrawal amount in a predetermined reference currency, and the withdrawal processing unit, if the deposit account of the withdrawal currency has been opened, said after the compensation. When the withdrawal process is performed from the deposit account balance of the withdrawal currency and the deposit account of the withdrawal currency is not opened, the second withdrawal amount may be subtracted from the deposit account balance of the reference currency.

When the communication unit receives a balance adjustment request including a surplus settlement amount of the first withdrawal amount with respect to the actual sales amount of the product, the withdrawal processing device sets the surplus settlement amount as the deposit in the withdrawal currency. A balance adjustment unit for refunding to the account balance may be provided, and the notification unit may notify the surplus settlement amount refund notification indicating that the surplus settlement amount has been refunded to the deposit account balance of the withdrawal currency.

When the communication unit receives a balance adjustment request including the insufficient settlement amount of the first withdrawal amount with respect to the actual sales amount of the product, the compensation determination unit converts a part or all of the insufficient settlement amount. It is determined whether or not the deposit account balance of the compensation currency is insufficient with respect to the compensation amount of the predetermined compensation currency converted as the target amount, and the withdrawal processing device determines that the deposit account balance of the compensation currency is the said. If there is a shortage with respect to the compensation amount, the loan amount by automatic financing corresponding to the shortage of the deposit account balance of the compensation currency with respect to the compensation amount is applied to the deposit account balance of the compensation currency, and the compensation after allocation is applied. A balance adjustment unit is provided for supplementing the compensation amount from the deposit account balance of the currency to the deposit account balance of the withdrawal currency and performing a withdrawal process from the deposit account balance of the withdrawal currency after the compensation, and the notification unit is automatically described. You may notify the automatic loan execution completion notice indicating that the loan execution is completed.

As described above, according to the withdrawal processing apparatus according to the present invention, it is possible to suppress the foreign exchange risk given to the customer while suppressing the possibility of imposing a burden on the customer.

It is explanatory drawing which showed the flow of payment by a debit card. It is a block diagram which showed the hardware configuration of a bank server. It is a functional block diagram which showed the structure of the bank server which concerns on embodiment of this invention. It is explanatory drawing which showed the structural example of the customer information DB and the yen deposit information DB. It is explanatory drawing which showed the structural example of the foreign currency deposit information DB and the card loan information DB. It is explanatory drawing which showed the specific example of the settlement processing performed by the settlement processing unit and the compensation judgment unit. It is explanatory drawing which showed the specific example of the settlement processing performed by the settlement processing unit and the compensation judgment unit. It is explanatory drawing which showed the specific example of the settlement processing performed by the settlement processing unit and the compensation judgment unit. It is explanatory drawing which showed the specific example of the settlement processing performed by the settlement processing unit and the compensation judgment unit. It is explanatory drawing which showed the specific example of the settlement processing performed by the settlement processing unit and the compensation judgment unit. It is explanatory drawing which showed the specific example of the settlement processing performed by the settlement processing unit and the compensation judgment unit. It is a figure which shows the structural example of the settlement request. It is a figure which shows the structural example of the balance adjustment request. It is a flowchart which showed the flow of the settlement process of the bank server which concerns on embodiment of this invention. It is a flowchart which showed the flow of the settlement process of the bank server which concerns on embodiment of this invention. It is a flowchart which showed the flow of the settlement process of the bank server which concerns on embodiment of this invention. It is a flowchart which showed the flow of the balance adjustment processing of the bank server which concerns on embodiment of this invention. It is a flowchart which showed the flow of the balance adjustment processing of the bank server which concerns on embodiment of this invention.

Preferred embodiments of the present invention will be described in detail below with reference to the accompanying drawings. In the present specification and the drawings, components having substantially the same functional configuration are designated by the same reference numerals, so that duplicate description will be omitted.

In addition, the "best mode for carrying out the invention" will be described in accordance with the order of items shown below.
[0] Background [1] Outline of payment by credit card [2] Bank server according to the embodiment of the present invention [2-1] Hardware configuration of the bank server according to the embodiment of the present invention [2-2] Functions of a bank server according to an embodiment of the present invention [2-3] Operation of a bank server according to an embodiment of the present invention [3] Summary

[0] Background Recently, with the spread of the Internet, service providers are widely providing services using the Internet. For example, financial services such as deposit management and asset management, as represented by net banks, have come to be provided to customers via the Internet. In particular, financial service providers are trying to develop their own services in order to differentiate themselves from their competitors.

For example, Japanese Patent Application Laid-Open No. 2001-229247 states that when a customer who has a foreign currency account pays foreign currency using a credit card in a foreign country, the amount of the credit card used is not the account of the home currency but the foreign currency account. It describes the payment system to be debited from. If the amount of credit card usage in a foreign country is deducted from the account in the home currency, the customer will bear the conversion cost incurred between the foreign currency and the home currency. On the other hand, the payment system is beneficial to the customer in that the cost paid by the customer can be reduced.

However, in the above payment system, when the deposit balance of the foreign currency account is insufficient for the credit card usage amount, the credit card usage amount is treated as unsettled. As a result, for example, late payment fees may be incurred, and the customer may be forced to bear the burden due to insufficient balance of the deposit account in the currency to be settled. Therefore, Japanese Patent Application Laid-Open No. 2009-238104 states that the shortage of the deposit balance of the foreign currency account is compensated from the deposit account of the home currency in order to suppress the possibility of imposing a burden on the customer due to the insufficient balance of the deposit account of the currency to be settled. The withdrawal processing method to be done is disclosed.

However, since the time when the credit card is used and the time when the payment is made for the usage amount are different, the exchange rate may fluctuate from the time when the credit card is used to the time when the payment is made. Therefore, when a credit card is used, if part or all of the usage amount is converted according to the exchange rate between a plurality of types of currencies, there is a possibility that exchange risk is given to the customer.

Therefore, in view of the circumstances existing in such a background technique, in the embodiment of the present invention, a technique capable of suppressing the foreign exchange risk given to the customer while suppressing the possibility of imposing a burden on the customer will be mainly described. .. Specifically, a case of using a debit card having immediacy from the time of using the card to the time of payment will be described, not a case of using a credit card in which a time lag occurs from the time of using the card to the time of payment.

[1] Outline of payment by debit card First, with reference to FIG. 1, payment by debit card will be outlined.

FIG. 1 is an explanatory diagram showing a flow of payment by a debit card. More specifically, FIG. 1 shows the flow of payment by a customer, a debit card company, a member store of the card company, and a financial institution that manages the customer's deposit account.

(Step S1)
First, the customer deposits money into the account managed by the financial institution as needed, considering that the usage amount will be deducted from the account when using the debit card. Here, when a withdrawal occurs in a foreign currency, the customer may purchase a foreign currency with a part of the yen deposit in the yen deposit account and apply the purchased foreign currency to the balance of the foreign currency account. In this case, the customer usually purchases foreign currency at an exchange rate including the exchange cost incurred by buying and selling at a financial institution such as a bank.

(Step S2)
The customer then requests the merchandise or service from the merchant and pays for the merchandise or service with a debit card. The customer may go directly to the member store and pay the price by the debit card, or may pay the price by the debit card via the Internet. In addition, member stores are, for example, product distributors who sell products, travel agents who provide reservation services for accommodation and transportation, education providers who provide educational services, and content distribution which provides content distribution services such as music and video. It may be a trader, or a guard trader who provides security services in case of an abnormal situation.

(Steps S3 and S4)
Next, the member store transfers the information recorded on the debit card used by the customer to the card company via the debit card inquiry network. The card company confirms the validity of the debit card and inquires about the customer's card credit balance based on the information received from the member store. Then, if there is no problem with the debit card, the card company allows the payment by the debit card at the member store.

After that, the member store inputs the information regarding the payment by the debit card from the debit card terminal and sends it to the card company. In addition, the card company deposits the debit card usage amount minus the card company's fee into the bank account designated by the member store.

(Step S5)
Then, the card company requests the financial institution to transfer the debit card usage amount (withdrawal processing, settlement processing) from the customer's account to the account designated by the card company. The financial institution transfers the debit card usage amount in response to the request from the card company. Details of such transfer processing will be described in "[2] Bank server according to the embodiment of the present invention".

(Step S6)
After that, when the transfer processing of the debit card usage amount is completed, the financial institution notifies the customer and the card company that the transfer processing is completed. The debit card payment is completed by the series of steps from step S1 to step S6 described above. When a debit card is used, the processes from step S3 to step S6 are performed immediately as compared with the case where a credit card is used.

[2] Bank server according to an embodiment of the present invention Next, with reference to FIGS. 2 to 18, the present invention is an example of a withdrawal processing device provided in a financial institution to execute the transfer processing (settlement processing). The bank server 20 according to the embodiment will be described.

[2-1] Hardware Configuration of Bank Server According to the Embodiment of the Present Invention FIG. 2 is a block diagram showing a hardware configuration of the bank server 20. The bank server 20 includes a CPU (Central Processing Unit) 201, a ROM (Read Only Memory) 202, a RAM (Random Access Memory) 203, a host bus 204, a bridge 205, an external bus 206, an interface 207, and the like. It includes an input device 208, an output device 210, a storage device (HDD) 211, a drive 212, and a communication device 215.

The CPU 201 functions as an arithmetic processing unit and a control device, and controls the overall operation in the bank server 20 according to various programs. Further, the CPU 201 may be a microprocessor. The ROM 202 stores programs, calculation parameters, and the like used by the CPU 201. The RAM 203 primarily stores a program used in the execution of the CPU 201, parameters that change appropriately in the execution, and the like. These are connected to each other by a host bus 204 composed of a CPU bus or the like.

The host bus 204 is connected to an external bus 206 such as a PCI (Peripheral Component Interconnect / Interface) bus via a bridge 205. It is not always necessary to separately configure the host bus 204, the bridge 205, and the external bus 206, and these functions may be implemented on one bus.

The input device 208 inputs based on an input means for the administrator of the bank server 20 to input information such as a mouse, a keyboard, a touch panel, a button, a microphone, a switch, and a lever, and an input by the administrator of the bank server 20. It is composed of an input control circuit that generates a signal and outputs it to the CPU 201. By operating the input device 208, the administrator of the bank server 20 can input various data to the bank server 20 and instruct the processing operation.

The output device 210 includes, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Display) device, a display device such as a lamp, and an audio output device such as a speaker and headphones. To. The output device 210 outputs, for example, the reproduced content. Specifically, the display device displays various information such as reproduced video data as text or an image. On the other hand, the voice output device converts the reproduced voice data or the like into voice and outputs it.

The storage device 211 is a data storage device configured as an example of the storage unit of the bank server 20 according to the present embodiment. The storage device 211 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, a deleting device that deletes the data recorded on the storage medium, and the like. The storage device 211 is composed of, for example, an HDD (Hard Disk Drive). The storage device 211 drives a hard disk and stores programs and various data executed by the CPU 201. Further, in the storage device 211, for example, a customer information DB, a yen deposit information DB, and the like, which will be described later, are recorded.

The drive 212 is a reader / writer for a storage medium, and is built in or externally attached to the bank server 20. The drive 212 reads the information recorded in the removable storage medium 24 such as the mounted magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs the information to the RAM 203.

The communication device 215 is, for example, a communication interface composed of a communication device or the like for connecting to the communication network 12. Further, the communication network 12 is a wired or wireless transmission path for information transmitted from a device connected to the communication network 12. For example, the communication network 12 includes public network such as the Internet, telephone network, satellite communication network, various LANs (Local Area Network) including Ethernet (registered trademark), WAN (Wide Area Network), and IP-VPN ( It may include a dedicated network such as Internet Protocol-Virtual Private Network). The communication device 215 transmits and receives various data to and from the customer terminal 10 and the card company device 30 via such a communication network 12.

[2-2] Functions of Bank Server According to the Embodiment of the Present Invention The hardware configuration of the bank server 20 according to the present embodiment has been described above with reference to FIG. Subsequently, the function of the bank server 20 according to the present embodiment will be described with reference to FIGS. 3 to 13.

FIG. 3 is a functional block diagram showing the configuration of the bank server 20 according to the present embodiment. As shown in FIG. 3, the bank server 20 according to the present embodiment includes a communication unit 216, a table management unit 220, a storage unit 230, a balance adjustment unit 240, a payment judgment unit 250, and a payment processing unit 260. A compensation determination unit 270 and a notification unit 280 are provided.

The communication unit 216 is connected to the customer terminal 10 and the card company device 30 provided in the card company via the communication network 12, and has functions as a receiving unit and a transmitting unit. Further, the communication unit 216 also has a function of receiving the withdrawal request amount from the customer account (hereinafter, also simply referred to as “invoice amount”) from the card company device 30. Further, the communication unit 216 also has a function of acquiring a reference rate at predetermined intervals from an information providing server that provides a reference rate (exchange rate).

In FIG. 3, a PC (Personal Computer) is shown as an example of the customer terminal 10, and the customer terminal 10 includes a mobile phone, a PHS (Personal Handyphone System), a portable music playback device, a portable video processing device, and a PDA. (Personal Digital Assistants), home-use game equipment, portable game equipment, home-use equipment, and other information processing devices.

The table management unit 220 manages each DB stored in the storage unit 230. For example, the table management unit 220 creates a customer table for a new customer and registers it in the customer information DB, updates the contents of the customer table, and deletes it as necessary.

(Structure of each DB)
The storage unit 230 stores arbitrary data such as a customer information DB, a yen deposit information DB, a foreign currency deposit information DB, and a card loan information DB. Hereinafter, the customer information DB and the yen deposit information DB will be described with reference to FIG. 4, and the foreign currency deposit information DB and the card loan information DB will be described with reference to FIG.

FIG. 4 is an explanatory diagram showing a configuration example of a customer information DB and a yen deposit information DB. Further, FIG. 5 is an explanatory diagram showing a configuration example of a foreign currency deposit information DB and a card loan information DB. As shown in FIGS. 4 and 5, the customer information DB includes a customer table for each customer, the yen deposit information DB includes a yen deposit table for each customer, and the foreign currency deposit information DB includes a foreign currency deposit table for each customer. , The card loan information DB includes a card loan table for each customer.

In addition, the customer table contains identification information, customer information, and historical information. The identification information is information for identifying a customer registered in the bank server 20, and corresponds to, for example, an account number. The customer information is information about the customer, and may include information such as the customer's name, age, date of birth, address, telephone number, home PC email address, occupation, family structure, annual income, and password. In addition, the customer information includes information indicating whether or not the customer has a foreign currency credit card. The historical information includes the information before the update and the information after the update of the customer table. For example, in the history information, the password before the change is recorded when the password is changed, and the address before the change is recorded when the customer's address is changed.

The yen deposit table also includes identification information, yen ordinary deposit information, yen time deposit information, and history information. The identification information is information for identifying a customer, and the bank server 20 can search the yen deposit table of the target customer by referring to the identification information. Yen savings information includes current savings balance information. In addition, the yen time deposit information includes information on yen time deposits for each contracted period such as one-year period of 1 million yen, maturity date, and interest rate. The historical information shows the contents of transactions and actions previously performed by the customer, and includes, for example, information on the deposit / withdrawal amount and the date and time for the yen savings deposit and the yen time deposit.

The foreign currency deposit table also includes identification information, foreign currency savings information, foreign currency time deposit information, and history information. The identification information is information that identifies the customer, and the bank server 20 can search the foreign currency deposit table of the target customer by referring to the identification information. Foreign currency savings information includes current savings balance information. In addition, foreign currency time deposit information includes information on foreign currency time deposits. The historical information indicates the contents of transactions and actions previously performed by the customer, and includes, for example, information on the deposit / withdrawal amount and the date and time for foreign currency ordinary deposits and foreign currency time deposits.

The card loan table also includes identification information, card loan account information, usage restriction information, borrowable limit information, loan amount, repayment amount, automatic loan setting information, and history information. The identification information is information that identifies the customer, and the bank server 20 can search the card loan table of the target customer by referring to the identification information. Card loan account information is information that identifies the account used to borrow and repay a card loan. The usage restriction information includes information indicating whether or not there is a usage restriction of the card loan. The borrowable limit information is information indicating the amount of money that can be borrowed from a card loan. The loan amount indicates the loan amount of the card loan, and the repayment amount indicates the amount to be repaid corresponding to the loan amount of the card loan. The automatic loan setting information is information indicating whether or not to execute automatic loan, and can be set based on the operation of the customer. Historical information includes information about borrowings prior to the completion of repayment (eg, loan amount, borrowing date and time, repayment amount, repayment date and time, etc.).

When a customer sells a foreign currency and purchases yen, the table management unit 220 searches a yen deposit table and a foreign currency deposit table including identification information indicating the customer. Then, the table management unit 220 subtracts the amount indicated by the foreign currency ordinary deposit information included in the foreign currency deposit table, converts the subtracted amount into yen at the current exchange rate, and includes the converted yen amount in the yen deposit table. Add to the amount indicated by the Yen Savings Deposit information. Further, the table management unit 220 records information such as the date and time and the increase / decrease in the amount in the history information included in both the yen deposit table and the foreign currency deposit table.

In the foreign currency ordinary deposit information and foreign currency time deposit information in the foreign currency deposit table, data is recorded for each currency such as dollar and euro. Therefore, the foreign currency savings deposit information and the foreign currency time deposit information include identifiers of each country's currency (for example, 1 for US dollars and 2 for euros), and the bank server 20 performs processing related to a specific currency based on such identifiers. be able to.

Further, the storage unit 230 in which such various DBs are recorded is a non-volatile memory such as an EEPROM (Electrically Erasable Read-Only Memory), an EPROM (Erasable Programmable Read Only Memory), a hard disk, or a hard disk. Magnetic discs, CD-R (Compact Disc Record) / RW (Rewritable), DVD-R (Digital Versaille Disc Recordable) / RW / + R / + RW / RAM (Ramdam Access Memory) It may be an optical disk such as a trademark))-R / BD-RE or a storage medium such as an MO (Magnet Optical) disc.

(Payment processing)
Here, the description will be continued by returning to the description of the configuration of the bank server 20 with reference to FIG. In the following, it is assumed that a customer makes a purchase in a foreign currency using a debit card in a foreign country. The member store uses the currency of the country in which the member store is located as the withdrawal currency, and transmits the price in the withdrawal currency to the card company device 30. After receiving the payment, the card company device 30 includes a withdrawal request (hereinafter, "settlement request") including a first withdrawal amount (hereinafter, also referred to as "withdrawal amount in the withdrawal currency") according to the payment in the withdrawal currency. Also called) is immediately transmitted to the bank server 20. For example, the withdrawal amount in the withdrawal currency may be the price itself in the withdrawal currency.

Here, a configuration example of the settlement request will be described. FIG. 12 is a diagram showing a configuration example of a settlement request. As shown in FIG. 12, the settlement request has a card number, a currency used (withdrawal amount in the withdrawal currency), a currency used (withdrawal currency), a reference currency amount, a reference currency, a reference currency conversion rate and a transaction number. The card number may be included in the customer table of the customer information DB in a format associated with the account number. The transaction number is information that identifies the transaction. The base currency may be the currency of the card issuing country. The base currency conversion rate is the conversion rate from the currency used to the base currency.

The explanation will be continued by returning to FIG. The communication unit 216 receives such a payment request. The settlement processing unit (withdrawal processing unit) 260 extracts the withdrawal amount in the withdrawal currency from the settlement request, and sets a part or all of the withdrawal amount in the withdrawal currency as the conversion target amount at a predetermined rate (for example, an exchange rate). Convert to the amount of compensation in the compensation currency. Then, the settlement processing unit 260 compensates the amount of compensation in the compensation currency to the deposit account balance of the withdrawal currency, and performs the withdrawal processing from the deposit account balance of the withdrawal currency after the compensation.

According to such a configuration, since the time from the use of the debit card to the time of payment for the usage amount is immediate, the possibility that the exchange rate fluctuates from the time of using the debit card to the time of payment is reduced. Therefore, when a debit card is used, even if a part or all of the usage amount is converted according to the exchange rate between a plurality of types of currencies, the possibility that the exchange risk is given to the customer is suppressed. Since the amount of compensation in the compensation currency is automatically compensated, the possibility of imposing a burden on the customer is suppressed. In addition, since the payment request is sent immediately, the processing speed related to the payment can be improved.

More specifically, when using a credit card, since the time has passed from the purchase request date to the withdrawal date, the rate on the withdrawal date may be an unexpected rate, and the exchange risk is large. On the other hand, according to the present embodiment, since the withdrawal amount is determined based on the rate transmitted at the time of purchase request by using the debit card, the exchange risk is reduced.

Further, the notification unit 280 notifies the customer terminal 10 via the communication unit 216 of a product purchase completion notification indicating that the product purchase has been completed in response to the product purchase request after the withdrawal process by the payment processing unit 260. May be good. Then, since the product purchase completion is notified to the product purchase request indicating that the product purchase is completed, the customer can know that the purchase (settlement) has been completed at the time of the product purchase request.

The deposit account balance of the supplementary currency should be controlled so that it does not become negative. That is, the compensation determination unit 270 determines whether or not the deposit account balance of the compensation currency is insufficient with respect to the compensation amount. Then, when the deposit account balance of the compensation currency is not insufficient with respect to the compensation amount, the settlement processing unit 260 may supplement the compensation amount from the deposit account balance of the compensation currency to the deposit account balance of the withdrawal currency.

On the other hand, the settlement processing unit 260 may assume that the deposit account balance of the compensation currency is insufficient for the compensation amount. In such a case, the settlement processing unit 260 borrows the loan amount equivalent to the shortage of the deposit account balance of the compensation currency for the compensation amount by automatic card loan, and applies this loan amount to the deposit account balance of the compensation currency. You can. Then, the settlement processing unit 260 may supplement the compensation amount from the deposit account balance of the compensation currency after the allocation to the deposit account balance of the withdrawal currency, and perform the withdrawal processing from the deposit account balance of the withdrawal currency after the compensation.

According to such a configuration, the loan amount borrowed by the automatic loan of the card loan is applied to the deposit account balance of the supplementary currency, and the compensation amount is supplemented to the deposit account balance of the withdrawal currency from the deposit account balance of the compensation currency after the allocation. Withdrawal processing is performed from the deposit account balance of the withdrawal currency after compensation. Therefore, for example, even if the total of the deposit account balance of the withdrawal currency and the deposit account balance of the supplementary currency is less than the price of the product, if the borrowing is made by the automatic loan of the card loan, the customer can purchase the product more. It will be possible to purchase reliably.

The notification unit 280 may notify the customer terminal 10 via the communication unit 216 of the automatic loan execution completion notification indicating that the execution of the automatic loan has been completed. Then, the completion of the automatic loan execution indicating that the execution of the automatic loan is completed at the time of purchasing the product is notified, so that the customer can know that the execution of the automatic loan has been completed at the time of purchasing the product. For example, a customer can take measures such as depositing a repayment amount in a card loan account by knowing that the automatic loan has been executed.

At this time, the settlement processing unit 260 may determine whether or not the borrowing is possible by the automatic loan of the card loan, depending on whether or not the conditions necessary for the automatic loan are satisfied. For example, the settlement processing unit 260 determines whether or not borrowing is possible depending on whether or not the automatic loan setting information in the card loan table includes the automatic loan setting <information indicating that the automatic loan is executed>. You can do it. In addition, the settlement processing unit 260 may determine whether or not borrowing is possible depending on whether or not "with usage restrictions" is set in the usage restriction information of the card loan table.

In addition, the settlement processing unit 260 can borrow depending on whether or not the available amount of the card loan indicated by the borrowable limit information of the card loan table is equal to or greater than the shortage of the deposit account balance of the compensation currency with respect to the compensation amount. You may judge whether or not it is. The loan amount borrowed by the automatic loan of the card loan and the repayment amount corresponding to the loan amount are registered in the card loan table. Then, when the predetermined repayment time arrives, the repayment amount is repaid from the account indicated by the card loan account information in the card loan table.

Interest is also accrued on borrowings for appropriation of the balance of the deposit account of the supplementary currency (hereinafter, also referred to simply as "borrowings for appropriation"). For example, the interest accrued on a loan for appropriation may be the same as or different from the interest accrued on a loan not for appropriation (hereinafter, also simply referred to as "ordinary borrowing"). You may. For example, the interest accrued on a loan for appropriation may be lower than the interest accrued on a regular loan. If the interest on a loan for appropriation is lower than the interest on a regular loan, it is expected that the customer's willingness to purchase goods in the withdrawal currency will be promoted.

Here, the method for determining the supplementary currency is not particularly limited, but for example, the following method can be adopted. For example, as the first method, a method of manually or automatically determining the supplementary currency is assumed. In addition, as the second method, a method of referring to a table in which the priority for each currency is defined is assumed. In such a method, it is necessary to refer to the account balance from the currency with the highest priority and determine the currency whose account balance is not insufficient for the compensation amount as the compensation currency. In addition, as the third method, a method of determining the base currency included in the settlement request as the supplementary currency is assumed.

The conditions for compensation in the compensation currency may not be particularly provided or may be provided. For example, as mainly described in the present specification, compensation may be made in the compensation currency only when the deposit account balance in the withdrawal currency is insufficient for the withdrawal amount in the withdrawal currency. That is, the settlement determination unit 250 determines the shortage of the deposit account balance of the withdrawal currency with respect to the withdrawal amount of the withdrawal currency, and the settlement processing unit 260 compensates the shortfall with the compensation currency at a predetermined rate (for example, an exchange rate). You can convert it to a forehead.

Also, the customer does not always have a deposit account in the withdrawal currency. Therefore, it is better to be able to flexibly deal with the situation where the customer has not opened a deposit account in the withdrawal currency. Specifically, the card company device 30 calculates a second withdrawal amount in a predetermined base currency (hereinafter, also referred to as "withdrawal amount in the base currency"), and makes a settlement request including the withdrawal amount in the base currency. Send to the bank server 20. When the communication unit 216 receives the settlement request and the deposit account of the withdrawal currency has been opened, the settlement processing unit 260 may perform the withdrawal processing from the deposit account balance of the withdrawal currency after the compensation.

On the other hand, when the deposit account in the withdrawal currency has not been opened, the settlement processing unit 260 may subtract the withdrawal amount in the reference currency from the deposit account balance in the reference currency. However, in calculating the withdrawal amount in the reference currency in the card company apparatus 30, there is a conversion cost from the withdrawal currency to the reference currency by the card company. That is, if the withdrawal currency deposit account has not been opened, the customer must bear the conversion cost, so that the effect of promoting the opening of the withdrawal currency deposit account can be enjoyed. In addition, since debit cards have the advantage of being able to purchase products more like a wallet, it is important to be able to immediately confirm whether or not payment is possible and to be able to make payments immediately. Therefore, by building a mechanism that allows customers to make payments in the standard currency even if they have not opened a payment account in this way, it is possible to make payment decisions and make actual payments while taking advantage of this advantage. become.

It may be determined in any way whether or not a deposit account in the withdrawal currency has been opened. For example, if the customer information is provided with a flag indicating the presence or absence of an account for each currency, it may be determined whether or not a deposit account in the withdrawal currency has been opened by referring to the flag. .. Alternatively, it may be determined whether or not a deposit account in the withdrawal currency has been opened by referring to the data for each currency included in the foreign currency ordinary deposit information.

In the example described above, the currency of the country where the member store is located is used as the withdrawal currency, and the currency of the customer's own country is used as the base currency. However, the withdrawal currency and the base currency may be determined in any way. .. For example, the settlement determination unit (withdrawal determination unit) 250 may specify the withdrawal currency based on the information for identifying the withdrawal currency pre-input and recorded by the customer. The customer will then be able to specify a deposit account whose balance may be changed by the withdrawal process. Alternatively, the settlement determination unit 250 may specify the withdrawal currency based on the currency unit included in the withdrawal amount by the withdrawal currency.

Similarly, the settlement determination unit 250 may specify the base currency based on the information for identifying the base currency pre-input and recorded by the customer. Then, the customer can specify a deposit account whose balance may be changed by the compensation process. Alternatively, the settlement determination unit 250 may specify the base currency based on the currency unit included in the withdrawal amount in the base currency.

The functions of the settlement determination unit 250, the settlement processing unit 260, and the compensation determination unit 270 have been described above. Subsequently, with reference to FIGS. 6 to 11, the settlement processing performed by the settlement determination unit 250, the settlement processing unit 260, and the compensation determination unit 270 will be specifically described. Unless otherwise specified, the case where the home currency (base currency) is yen, the foreign currency (withdrawal currency) of 1 is the US dollar, and the other foreign currency is the euro will be explained, but the home currency (base currency), 1 Foreign currency (withdrawal currency) and other foreign currencies are not limited to these.

6 to 11 are explanatory views showing specific examples of payment processing performed by the payment processing unit 260 and the compensation determination unit 270. In the description of FIGS. 6 to 11, for convenience of explanation, it is assumed that 1 US dollar corresponds to 100 yen and no exchange cost is incurred.

Figure 6 shows the settlement when a customer with a yen deposit of 1,000,000 yen and a US dollar deposit of 10,000 US dollars is requested to transfer 1,000 US dollars to the designated account of the card company. An example is shown. In this case, the settlement determination unit 250 determines that the US dollar deposit balance is within the range of the US dollar billed amount.

Therefore, the settlement processing unit 260 updates the US dollar deposit balance to US $ 9,000 obtained by subtracting US $ 1,000 from US $ 10,000. In addition, the deducted amount will be transferred to the designated account of the card company. For example, the bank server 20 makes a deposit request to the designated account of the designated bank, receives a notification that the deposit request is completed, and completes the transfer. The designated account of the credit card company may be an account of the same bank as the customer or an account of a different bank. In addition, when the payment process is completed, the customer and the credit card company are notified that the payment has been completed. In addition, the above-mentioned usage request from a card company regarding US dollars occurs when a customer pays US dollars using a dollar debit card in the United States.

Figure 7 shows the settlement when a customer with a yen deposit of 1,000,000 yen and a US dollar deposit of 10,000 US dollars is requested to transfer US $ 15,000 to the designated account of the card company. An example is shown. In this case, the settlement determination unit 250 determines that the US dollar deposit balance is outside the range of the US dollar billed amount.

Therefore, the compensation determination unit 270 determines whether or not the US dollar deposit balance of 5,000 US dollars, which is the shortfall of the US dollar deposit balance with respect to the US dollar billing amount, can be compensated from the yen deposit. Since the yen deposit balance is within the shortfall of 5,000 US dollars, the compensation determination unit 270 determines that compensation is possible. Therefore, the settlement processing unit 260 compensates the US dollar deposit with 500,000 yen corresponding to the shortfall of 5,000 US dollars, and after the compensation, the settlement processing of the US dollar billed amount is performed with 15,000 US dollars. As a result, the yen deposit balance will be 500,000 yen.

Figure 8 shows a designated account of a card company with US $ 25,000 for a customer with a Yen deposit of 1,000,000 yen, a US dollar deposit of 10,000 US dollars, and a card loan available amount of 1,000,000 yen. An example of payment when there is a request to transfer to is shown. In this case, the settlement determination unit 250 determines that the US dollar deposit balance is outside the range of the US dollar billed amount.

Therefore, the compensation determination unit 270 determines whether or not the US dollar deposit balance of 15,000 US dollars, which is the shortfall amount (first shortfall amount) for the US dollar billed amount, can be covered from the yen deposit. Since the yen deposit balance is outside the range of the shortfall (first shortfall) of US $ 15,000, the compensation judgment unit 270 determines the shortfall (first shortfall) of the yen deposit balance with respect to the shortfall (first shortfall). It is determined whether or not 500,000 yen, which is the shortfall amount of 2), can be applied from the available amount of the card loan.

Since the available amount of the card loan is within the range of the shortage amount of the yen deposit balance (second shortage amount) of 500,000 yen, the compensation judgment unit 270 determines that it can be applied. Therefore, the settlement processing unit 260 allocates 500,000 yen, which is the shortfall (second shortfall), to the yen deposit balance, and the 1,500,000 yen after the allocation is compensated to the US dollar deposit. After that, the US dollar bill will be settled for 25,000 US dollars. As a result, the amount of card loan borrowed will be 500,000 yen.

Figure 9 shows a transfer of US $ 1,000 to a designated account of a card company for a customer who has a yen deposit of 1,000,000 yen and a US dollar deposit of 10,000 US dollars preset as the settlement currency (withdrawal currency). An example of payment when there is a request to do so is shown. In this case, the settlement determination unit 250 determines that the yen deposit of 1,000,000 yen preset as the settlement currency is within the range of 100,000 yen corresponding to the US dollar billing amount of 1,000 US dollars. ..

Therefore, the settlement processing unit 260 performs settlement processing of 100,000 yen corresponding to the US dollar billing amount of 1,000 US dollars from the 1,000,000 yen yen deposit preset as the settlement currency (withdrawal currency). .. As a result, the yen deposit balance will be 900,000 yen.

Figure 10 shows a customer with a JPY 500,000 deposit, a US $ 10,000 US dollar deposit, and a customer with a pre-set Euro deposit of € 20,000 as a supplementary currency, with US $ 25,000 as the card company's designated account. An example of payment when there is a request to transfer to is shown. In this case, the settlement determination unit 250 determines that the US dollar deposit balance is outside the range of the US dollar billed amount.

Therefore, the compensation determination unit 270 determines whether or not the shortfall of the US dollar deposit balance with respect to the US dollar bill can be compensated from the euro deposit preset as the compensation currency. Since the euro deposit balance is within the shortfall of US $ 15,000, the compensation determination unit 270 determines that compensation is possible. Therefore, the settlement processing unit 260 compensates the US dollar deposit with 15,000 euros corresponding to the shortfall of 15,000 US dollars, and after the compensation, the settlement processing of the US dollar billed amount is performed with 25,000 US dollars. As a result, the balance of euro deposits will be 5,000 euros.

FIG. 11 shows a settlement when a customer who has a yen deposit of 2,000,000 yen and does not have a US dollar deposit account is requested to transfer US $ 15,000 to a designated account of a credit card company. An example is shown. In this case, the settlement determination unit 250 determines that it does not have a US dollar deposit account. Therefore, the settlement processing unit 260 acquires the billed amount of the yen currency, which is the reference currency, from the settlement request. Here, it is assumed that the billed amount of the yen currency, which is the base currency, is 1,500,000 yen.

At that time, the settlement processing unit 260 determines that the amount billed in yen currency of 1,500,000 yen is within the range of the yen deposit balance of 2,000,000 yen. Therefore, the settlement processing unit 260 performs settlement processing of 1,500,000 yen corresponding to the US dollar billing amount of 15,000 US dollars with the yen deposit balance of 2,000,000 yen. As a result, the yen deposit balance will be 500,000 yen.

The settlement processing performed by the settlement determination unit 250, the settlement processing unit 260, and the compensation determination unit 270 has been specifically described above.

(Balance adjustment process)
Here, the description will be continued by returning to the description of the configuration of the bank server 20 with reference to FIG. By the way, even if the settlement is performed in this way, there may be a discrepancy between the settlement amount and the actual sales amount. For example, if the settlement amount is larger than the actual sales amount, the amount obtained by subtracting the actual sales amount from the settlement amount (hereinafter, also referred to as "surplus settlement amount") is settled in the account (settlement currency). Need to refund to your deposit account balance). On the other hand, if the settlement amount is less than the actual sales amount, it is necessary to deduct the amount obtained by subtracting the settlement amount from the actual sales amount (hereinafter, also referred to as "insufficient settlement amount") from the deposit account balance of the settlement currency. There is.

Hereinafter, the adjustment process (balance adjustment process) of the deposit account balance of the settlement currency that occurs after the settlement is performed in this way will be described. Here, as in the case of the payment processing described above, it is assumed that the customer makes a purchase in a foreign currency using a debit card in a foreign country. Then, it is assumed that the settlement has already been made by the bank server 20. First, the member store transmits the sales data to the card company device 30 at the timing of transmitting the sales data. For example, the transmission timing of the sales data may be agreed between the member store and the card company device 30.

For example, the sales data includes the sales amount for each transaction. When the card company device 30 receives the sales data, it compares the sales amount included in the sales data with the settlement amount in the transaction. When there is a discrepancy between the sales amount and the settlement amount, the card company device 30 includes the difference between the sales amount and the settlement amount as the balance adjustment amount, and the information for identifying the account in the settlement currency ( A balance adjustment request including the settlement currency identification information and the settlement currency account card number) is transmitted to the bank server 20.

Here, a configuration example of the balance adjustment request will be described. FIG. 13 is a diagram showing a configuration example of the balance adjustment request. As shown in FIG. 13, the balance adjustment request has a card number, a balance adjustment amount, a settlement currency, and a transaction number. The types of the balance adjustment amount may include a surplus settlement amount in which the settlement amount is larger than the actual sales amount and a shortage settlement amount in which the settlement amount is smaller than the actual sales amount. It may be expressed in any way whether the balance adjustment amount indicates a surplus settlement amount or a shortage settlement amount. For example, whether the balance adjustment amount is a surplus settlement amount or a shortage settlement amount may be expressed by the positive or negative of the balance adjustment amount.

The explanation will be continued by returning to FIG. The communication unit 216 receives the balance adjustment request. The balance adjustment unit 240 extracts the balance adjustment amount in the settlement currency from the balance adjustment request, and determines whether the balance adjustment amount indicates a surplus settlement amount or a shortage settlement amount. When the balance adjustment amount indicates the surplus settlement amount, the balance adjustment unit 240 refunds the surplus settlement amount to the deposit account balance of the settlement currency. At this time, the notification unit 280 may notify the customer terminal 10 via the communication unit 216 of the surplus settlement amount refund notification indicating that the surplus settlement amount has been refunded to the deposit account balance of the settlement currency.

According to such a configuration, since the surplus settlement amount refund indicating that the surplus settlement amount has been refunded is notified, it is possible to know that the surplus settlement amount has been refunded. If the surplus settlement amount is refunded to the card loan account balance (for example, when the surplus settlement amount includes the loan amount borrowed by automatic loan), the surplus settlement amount refunded to the card loan account balance is automatically applied. It is desirable because the repayment will be made in a targeted manner. Here, in most cases, the currency of the card loan account is the currency of the customer's own country.

Therefore, if the settlement currency is the currency of the customer's own country as well as the currency of the card loan account, it is considered that the surplus settlement amount will be refunded to the balance of the card loan account in the same currency as the settlement currency. .. On the other hand, when the settlement currency is a foreign currency, the surplus settlement amount may be refunded to the deposit account balance in a foreign currency different from the card loan account, and the repayment may be delayed. Therefore, especially when the settlement currency is a foreign currency, it is considered that there is a high merit that the surplus settlement amount refund notification is given.

On the other hand, when the balance adjustment amount indicates an insufficient settlement amount, the balance adjustment unit 240 uses a predetermined compensation currency at a predetermined rate (for example, an exchange rate) with a part or all of the insufficient settlement amount in the settlement currency as the conversion target amount. Convert to compensation amount. Then, the balance adjustment unit 240 compensates the compensation amount in the compensation currency to the deposit account balance of the settlement currency, and deducts the insufficient settlement amount from the deposit account balance of the settlement currency after the compensation. According to such a configuration, since the compensation amount in the compensation currency is compensated to the deposit account balance in the settlement currency, the balance adjustment can be performed more reliably.

As in the case of settlement processing, the deposit account balance of the supplementary currency should be controlled so as not to be negative. That is, the compensation determination unit 270 determines whether or not the deposit account balance of the compensation currency is insufficient with respect to the compensation amount. Then, when the balance of the deposit account of the compensation currency is not insufficient with respect to the compensation amount, the balance adjustment unit 240 may supplement the compensation amount from the deposit account balance of the compensation currency to the deposit account balance of the settlement currency.

On the other hand, it is assumed that the deposit account balance of the compensation currency is insufficient for the compensation amount. In such a case, the balance adjustment unit 240 borrows a loan amount equivalent to the shortage of the deposit account balance of the compensation currency for the compensation amount by automatic card loan, and applies this loan amount to the deposit account balance of the compensation currency. You can. Then, the balance adjustment unit 240 compensates the deposit account balance of the settlement currency with the compensation amount from the deposit account balance of the compensation currency after the allocation, and deducts the insufficient settlement amount from the deposit account balance of the settlement currency after the compensation. Good.

According to such a configuration, the loan amount borrowed by the automatic loan of the card loan is applied to the deposit account balance of the supplementary currency, and the compensation amount is supplemented to the deposit account balance of the settlement currency from the deposit account balance of the supplementary currency after the allocation. The shortfall settlement amount is deducted from the deposit account balance of the settlement currency after compensation. Therefore, for example, even if the total of the deposit account balance of the withdrawal currency and the deposit account balance of the supplementary currency is less than the insufficient settlement amount, the balance adjustment is more reliable if the loan is made by the automatic loan of the card loan. Can be done in.

The notification unit 280 may notify the customer terminal 10 via the communication unit 216 of the automatic loan execution completion notification indicating that the execution of the automatic loan has been completed. Then, the completion of the automatic loan execution indicating that the execution of the automatic loan has been completed at the time of the balance adjustment is notified, so that the customer can know that the execution of the automatic loan has been completed at the time of the balance adjustment. For example, a customer can take measures such as depositing a repayment amount in a card loan account by knowing that the automatic loan has been executed.

At this time, as in the case of settlement processing, the settlement processing unit 260 determines whether or not it is possible to borrow by the automatic loan of the card loan, depending on whether or not the conditions necessary for the automatic loan are satisfied. You can. In addition, as in the case of settlement processing, the interest accrued on the borrowing for appropriation of the deposit account balance of the supplementary currency is the same as the interest accrued on the borrowing not for appropriation (normal borrowing). It may be different. The method of determining the supplementary currency is not limited as in the case of settlement processing. The conditions for compensation in the compensation currency may not be provided as in the case of settlement processing, or may be provided.

[2-3] Operation of Bank Server According to the Embodiment of the Present Invention The functions of the bank server 20 according to the embodiment have been described above with reference to FIGS. 3 to 13. Subsequently, the operation of the bank server 20 according to the present embodiment will be described with reference to FIGS. 14 to 18.

14 to 16 are flowcharts showing a flow of payment processing of the bank server 20 according to the present embodiment. As shown in FIG. 14, first, the communication unit 216 receives a payment request from the card company device 30 (S800). The settlement determination unit 250 determines whether or not the currency used (withdrawal currency) specified by the settlement request is the handling currency (S801). When the settlement determination unit 250 determines that the currency used (withdrawal currency) is not the handling currency, the operation shifts to S804. On the other hand, when it is determined that the currency used (withdrawal currency) is the handling currency, it is determined whether or not an account with the currency used (withdrawal currency) has been opened (S802).

Subsequently, when the settlement determination unit 250 determines that the account of the currency used (withdrawal currency) has not been opened, the operation shifts to S804. On the other hand, when the settlement judgment unit 250 determines that an account in the currency used (withdrawal currency) has been opened, is the account balance in the currency used (withdrawal currency) greater than or equal to the amount used (the amount withdrawn in the withdrawal currency)? It is determined whether or not (S803). When the settlement processing unit 260 determines that the account balance of the currency used (withdrawal currency) is equal to or greater than the usage amount (withdrawal amount in the withdrawal currency) specified by the settlement request, the settlement processing unit 260 setstles from the account balance of the currency used. Process (S806). On the other hand, when it is determined that the account balance of the currency used (withdrawal currency) is not equal to or greater than the amount used (the amount withdrawn in the withdrawal currency), the settlement processing unit 260 shifts the operation to S811 (FIG. 15).

When the operation is transferred to S812, the compensation judgment unit 270 calculates the shortage amount (first shortage amount) of the account balance of the usage currency with respect to the usage amount (S811), and converts the first shortage amount into the compensation currency. Then (S812), the shortage amount after conversion is acquired as the conversion amount. Then, the compensation determination unit 270 determines whether or not the account balance of the compensation currency is equal to or greater than the conversion amount (S813), and the settlement processing unit 260 determines that the account balance of the compensation currency is equal to or greater than the conversion amount. In that case, the amount equivalent to the conversion amount is applied from the account of the supplementary currency to the balance of the account of the currency used (deposit account of the withdrawal currency) (S814), and the settlement process is executed from the account balance of the currency used (S806). On the other hand, the settlement processing unit 260 shifts the operation to S901 (FIG. 16) when the account balance of the supplementary currency is not equal to or more than the conversion amount.

Subsequently, the settlement processing unit 260 determines whether or not there is an automatic loan setting (S901). If the settlement processing unit 260 determines that there is no automatic loan setting, the settlement processing unit 260 does not execute the settlement processing. On the other hand, when the settlement processing unit 260 determines that there is an automatic loan setting, it determines whether or not there is a card loan usage restriction (S902). The payment processing unit 260 does not execute the payment processing when it is determined that there are restrictions on the use of the card loan. On the other hand, when it is determined that there is no restriction on the use of the card loan, the settlement processing unit 260 calculates the shortage amount (second shortage amount) of the account balance of the compensation currency with respect to the conversion amount (S903).

Here, the settlement processing unit 260 determines whether or not the available amount of the card loan is equal to or greater than the second shortage amount (S904). The settlement processing unit 260 does not execute the settlement processing when it is determined that the available amount of the card loan is not equal to or more than the second shortage amount (S905). On the other hand, when it is determined that the available amount of the card loan is equal to or greater than the second shortage amount, the settlement processing unit 260 borrows the loan amount equivalent to the second shortage amount by the automatic loan of the card loan, and the borrowed loan. The amount is applied to the account balance of the supplementary currency (S906).

Subsequently, the settlement processing unit 260 allocates the amount equivalent to the conversion amount from the account balance of the supplementary currency to the account balance of the currency used (S907). Then, the settlement processing unit 260 performs settlement processing from the account balance of the currency used (S908). Subsequently, the notification unit 280 notifies the customer terminal 10 via the communication unit 216 of the automatic loan execution completion notification indicating that the execution of the automatic loan has been completed. For example, the notification unit 280 notifies the customer terminal 10 via the communication unit 216 by e-mail of the automatic loan execution completion notification indicating that the execution of the automatic loan has been completed (S909).

Returning to FIG. 14, when the operation is shifted to S804, the settlement determination unit 250 determines whether or not an account in the base currency has been opened (S804). If the settlement processing unit 260 determines that the base currency account has not been opened, the settlement processing unit 260 does not execute the settlement (S807). On the other hand, when the settlement judgment unit 250 determines that an account in the base currency has been opened, it determines whether or not the account balance in the base currency is equal to or greater than the usage amount (withdrawal amount in the base currency) converted to the base currency. Judgment (S805). When it is determined that the account balance of the base currency is equal to or greater than the usage amount (withdrawal amount in the base currency) of the base currency, the settlement processing unit 260 executes the settlement processing (S806) and the account balance of the base currency. If it is determined that is not more than the usage amount converted to the base currency (the amount withdrawn in the base currency), the settlement is not executed (S807).

17 and 18 are flowcharts showing the flow of the balance adjustment process of the bank server 20 according to the present embodiment. As shown in FIG. 17, first, the communication unit 216 receives the balance adjustment request from the card company apparatus 30 (S600). The balance adjustment unit 240 determines whether the balance adjustment amount specified by the balance adjustment request indicates a surplus settlement amount or a shortage settlement amount, and determines whether the settlement amount is larger or smaller than the actual sales amount. Judgment (S601).

When the balance adjustment unit 240 determines that the settlement amount is larger than the actual sales amount, the balance adjustment unit 240 adds (refunds) the surplus settlement amount to the account balance of the settlement currency specified by the balance adjustment request (S621). The notification unit 280 notifies the customer terminal 10 via the communication unit 216 of the surplus settlement amount refund notification indicating that the surplus settlement amount has been refunded to the deposit account balance of the settlement currency. At this time, the notification unit 280 notifies the customer terminal 10 via the communication unit 216 by e-mail of the surplus payment amount refund notification indicating that the surplus payment amount has been refunded to the deposit account balance of the payment currency.

On the other hand, when it is determined that the settlement amount is less than the actual sales amount, the balance adjustment unit 240 determines whether or not the account balance of the settlement currency is equal to or more than the insufficient settlement amount (S603). When it is determined that the account balance of the settlement currency is equal to or greater than the insufficient settlement amount, the balance adjustment unit 240 performs the settlement processing of the insufficient settlement amount from the account balance of the settlement currency (S606). On the other hand, when it is determined that the account balance of the settlement currency is not equal to or more than the insufficient settlement amount, the balance adjustment unit 240 shifts the operation to S611.

When the operation is transferred to S611, the compensation judgment unit 270 calculates the shortage amount (third shortage amount) of the account balance of the settlement currency for the shortage settlement amount (S611), and uses the third shortage amount as the compensation currency. It is converted (S612), and the shortage amount after conversion is acquired as the conversion amount. Then, the compensation determination unit 270 determines whether or not the account balance of the compensation currency is equal to or greater than the conversion amount (S613), and the balance adjustment unit 240 determines that the account balance of the compensation currency is equal to or greater than the conversion amount. In this case, the amount equivalent to the conversion amount from the account balance of the supplementary currency is applied to the account balance of the settlement currency (S614), and the settlement processing of the insufficient settlement amount is executed from the account balance of the settlement currency (S606). On the other hand, the balance adjustment unit 240 shifts the operation to S701 (FIG. 18) when the account balance of the supplementary currency is not equal to or more than the conversion amount.

Subsequently, the balance adjustment unit 240 determines whether or not there is an automatic loan setting (S701). If the balance adjustment unit 240 determines that there is no automatic loan setting, the balance adjustment unit 240 does not execute the balance adjustment. On the other hand, when the balance adjustment unit 240 determines that there is an automatic loan setting, it determines whether or not there is a card loan usage restriction (S702). The balance adjustment unit 240 does not execute the balance adjustment when it is determined that there is a card loan usage restriction. On the other hand, when it is determined that there is no restriction on the use of the card loan, the balance adjustment unit 240 calculates the shortage amount (fourth shortage amount) of the account balance of the compensation currency with respect to the conversion amount (S703).

Here, the balance adjustment unit 240 determines whether or not the available amount of the card loan is equal to or greater than the fourth shortfall amount (S704). The balance adjustment unit 240 does not execute the balance adjustment when it is determined that the available amount of the card loan is not equal to or more than the fourth shortage amount (S705). On the other hand, when the balance adjustment unit 240 determines that the available amount of the card loan is equal to or greater than the fourth shortage amount, the balance adjustment unit 240 borrows the loan amount equivalent to the fourth shortage amount by the automatic loan of the card loan, and the borrowed loan. The amount is applied to the account balance of the supplementary currency (S706).

Subsequently, the balance adjustment unit 240 allocates the amount equivalent to the conversion amount from the account balance of the supplementary currency to the account balance of the settlement currency (S707). Then, the balance adjustment unit 240 deducts the insufficient settlement amount from the account balance of the settlement currency (S708). Subsequently, the notification unit 280 notifies the customer terminal 10 via the communication unit 216 of the automatic loan execution completion notification indicating that the execution of the automatic loan has been completed. For example, the notification unit 280 notifies the customer terminal 10 via the communication unit 216 by e-mail of the automatic loan execution completion notification indicating that the execution of the automatic loan has been completed (S709).

[3] Summary According to the embodiment of the present invention, when the card company apparatus 30 receives the payment in the predetermined withdrawal currency and then immediately sends the withdrawal request including the first withdrawal amount according to the payment. The communication unit 216 that receives the settlement request and a part or all of the first withdrawal amount are converted into the conversion target amount at a predetermined rate, and the compensation amount in the predetermined compensation currency is compensated to the deposit account balance of the withdrawal currency. A bank server 20 is provided, which includes a settlement processing unit 260 that performs settlement processing from the deposit account balance of the withdrawal currency after compensation.

According to such a configuration, since the time from the use of the debit card to the time of payment for the usage amount is immediate, the possibility that the exchange rate fluctuates from the time of using the debit card to the time of payment is reduced. Therefore, when a debit card is used, even if a part or all of the usage amount is converted according to the exchange rate between a plurality of types of currencies, the possibility that the exchange risk is given to the customer is suppressed. Since the amount of compensation in the compensation currency is automatically compensated, the possibility of imposing a burden on the customer is suppressed. In addition, since the payment request is sent immediately, the processing speed related to the payment can be improved.

In addition, the compensation determination unit 270 determines whether or not the deposit account balance of the compensation currency is insufficient with respect to the compensation amount in the compensation currency. Then, when the deposit account balance of the compensation currency is insufficient for the compensation amount, the settlement processing unit 260 uses the loan amount of the compensation currency as the amount equivalent to the shortage of the deposit account balance of the compensation currency for the compensation amount. Allocate to the deposit account balance. The settlement processing unit 260 compensates the deposit account balance of the withdrawal currency with the compensation amount from the deposit account balance of the compensation currency after the allocation, and performs the withdrawal processing from the deposit account balance of the withdrawal currency after the compensation.

According to such a configuration, the loan amount borrowed by the automatic loan of the card loan is applied to the deposit account balance of the supplementary currency, and the compensation amount is supplemented to the deposit account balance of the withdrawal currency from the deposit account balance of the compensation currency after the allocation. Withdrawal processing is performed from the deposit account balance of the withdrawal currency after compensation. Therefore, for example, even if the total of the deposit account balance of the withdrawal currency and the deposit account balance of the supplementary currency is less than the price of the product, if the borrowing is made by the automatic loan of the card loan, the customer can purchase the product more. It will be possible to purchase reliably.

Although preferred embodiments of the present invention have been described above with reference to the accompanying drawings, it goes without saying that the present invention is not limited to such examples. It is clear that a person skilled in the art can come up with various modifications or modifications within the scope of the claims, which naturally belong to the technical scope of the present invention. Understood.

For example, each step in the processing of the bank server 20 of the present specification does not necessarily have to be processed in chronological order in the order described as a flowchart. For example, each step in the processing of the bank server 20 may include processing executed in parallel or individually (for example, parallel processing or processing by an object).

Further, it is possible to create a computer program for making the hardware such as the CPU 201, ROM 202 and RAM 203 built in the bank server 20 exhibit the same functions as the above-described configurations of the bank server 20. A storage medium for storing the computer program is also provided. Further, by configuring each functional block shown in the functional block diagram of FIG. 3 with hardware, a series of processes can be realized by hardware.

Further, in the above-described embodiment, a card has been used as an example of the medium used by the customer. However, the medium used by the customer is not limited to the card. For example, when a customer holds a mobile terminal over a card reader installed in a store after recording the card information on a mobile terminal such as a smartphone, the card information recorded on the mobile terminal is transmitted to the card reader by non-contact communication. You can. In that case, the payment process may be executed based on the card information received by the card reader.

10 Customer terminal 20 Bank server 30 Card company equipment 216 Communication unit 220 Table management unit 230 Storage unit 240 Balance adjustment unit 250 Payment judgment unit 260 Payment processing unit 270 Compensation judgment unit 280 Notification unit

Claims (3)

A withdrawal processing device that immediately processes a withdrawal request that occurs immediately when a product purchase request is made.
A communication unit that receives a withdrawal request that includes a first withdrawal amount in accordance with the price by a predetermined withdrawal currency of the commodity transmitted at the purchase request,
The balance of the deposit account of the supplementary currency is insufficient for the compensation amount of the predetermined compensation currency converted by the rate at the time of receiving the withdrawal request as a part or all of the first withdrawal amount as the conversion target amount. The compensation judgment unit that judges whether or not it is
When the deposit account balance of the compensation currency is insufficient with respect to the compensation amount, the loan amount by automatic financing corresponding to the shortage of the deposit account balance of the compensation currency with respect to the compensation amount is the deposit account balance of the compensation currency. appropriated to, the compensation amount to compensate the bank account balance of the debit currency from the bank account balance of the compensation currency after the appropriation, have line the withdrawal process from the bank account balance of the debit currency after the compensation, the loan Withdrawal processing unit that stores the amount and the repayment amount corresponding to the loan amount in the loan table ,
After the withdrawal process by the withdrawal processing unit, a notification unit for notifying a product purchase completion notification indicating that the purchase of the product has been completed in response to the product purchase request, and a notification unit.
Balance adjustment department and
Equipped with a,
When the communication unit receives a balance adjustment request including the insufficient settlement amount of the first withdrawal amount with respect to the actual sales amount of the product, the compensation determination unit converts a part or all of the insufficient settlement amount. It is determined whether or not the deposit account balance of the supplementary currency is insufficient for the compensation amount of the predetermined compensation currency converted at the predetermined rate as the target amount.
When the balance of the deposit account of the compensation currency is insufficient with respect to the compensation amount, the balance adjustment unit obtains the loan amount by automatic financing corresponding to the shortage of the deposit account balance of the compensation currency with respect to the compensation amount. Allocate to the deposit account balance of the compensation currency, supplement the compensation amount to the deposit account balance of the withdrawal currency from the deposit account balance of the compensation currency after allocation, and withdraw from the deposit account balance of the withdrawal currency after compensation. And the loan amount and the repayment amount corresponding to the loan amount are stored in the loan table.
The notification unit notifies the automatic loan execution completion notification indicating that the execution of the automatic loan has been completed.
A withdrawal processing device in which when a predetermined repayment time arrives, the repayment amount registered in the loan table is repaid from the account indicated by the loan account information registered in the loan table . The withdrawal request includes a second withdrawal amount in a given base currency.
When the deposit account of the withdrawal currency has been opened, the withdrawal processing unit performs the withdrawal process from the deposit account balance of the withdrawal currency after the compensation, and the deposit account of the withdrawal currency has not been opened. In some cases, the second withdrawal amount is subtracted from the deposit account balance of the base currency.
The withdrawal processing device according to claim 1. When the balance adjustment unit receives a balance adjustment request including a surplus settlement amount of the first withdrawal amount with respect to the actual sales amount of the product by the communication unit, the balance adjustment unit sets the surplus settlement amount as the deposit in the withdrawal currency. Refund to your account balance,
The notification unit notifies the surplus settlement amount refund notification indicating that the surplus settlement amount has been refunded to the deposit account balance of the withdrawal currency.
The withdrawal processing device according to claim 1.

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