JP6921294B1 - Notification device, notification method and notification program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To promote the use of electronic payment. A notification device according to the present application is based on a reception unit that receives payment information related to payment by a predetermined payment means performed using a payment account associated with a user, and payment information received by the reception unit. A judgment unit that determines whether or not to make a deposit to the user's payment account, and when the judgment unit determines that payment is to be made, a predetermined amount is deposited in the payment account and payment processing is executed based on the payment information. It is characterized by having a processing unit for processing and a notification unit for notifying the user of information regarding payment processing by the processing unit. [Selection diagram] Fig. 1

Description

The present invention relates to a notification device, a notification method and a notification program.

Conventionally, there are known techniques for providing various services for managing the balance of an account used for electronic payment. As an example of such technology, the value balance acquired from the IC chip of the mobile terminal when a predetermined time has passed since the previous confirmation of the value balance is compared with the balance standard amount, and the value balance is equal to or less than the balance standard amount. In this case, a technique for executing charging for the amount of auto-charging has been proposed. Further, as an example of such a technology, when the balance of electronic money recorded on the electronic money recording medium owned by the user is less than the predetermined set amount, the predetermined charge amount is deducted from the user's account and the charge amount is charged. Has been proposed as a technique for adding to the balance of electronic money.

Japanese Unexamined Patent Publication No. 2012-178105 Japanese Unexamined Patent Publication No. 2020-071842

However, it may not be possible to say that the above-mentioned prior art can promote the use of electronic payment.

For example, in the above-mentioned conventional technique, when the value balance is equal to or less than the balance reference amount, the charge corresponding to the auto charge amount is only executed. Further, in the above-mentioned conventional technique, when the balance of the electronic money is less than the predetermined set amount, the predetermined charge amount is merely added to the balance of the electronic money. Therefore, in the above-mentioned conventional technology, the amount of electronic money required for the user to make an electronic payment is not always charged, and it cannot be said that the use of the electronic payment can be promoted.

The present application has been made in view of the above, and an object of the present application is to provide a notification device, a notification method, and a notification program capable of promoting the use of electronic payment.

The notification device according to the present application is a reception unit that receives payment information related to payment by a predetermined payment means performed using a payment account associated with the user, and the user based on the payment information received by the reception unit. A determination unit that determines whether or not to make a deposit to the settlement account of It is characterized by having a processing unit to be executed and a notification unit for notifying the user of information regarding payment processing by the processing unit.

According to one aspect of the embodiment, there is an effect that the use of electronic payment can be promoted.

FIG. 1 is a diagram showing an example of notification processing according to an embodiment. FIG. 2 is a diagram (1) showing an example of a screen of a user terminal according to an embodiment. FIG. 3 is a diagram (2) showing an example of the screen of the user terminal according to the embodiment. FIG. 4 is a diagram showing a configuration example of a payment server according to the embodiment. FIG. 5 is a diagram showing an example of an account database according to the embodiment. FIG. 6 is a diagram showing an example of a user information database according to the embodiment. FIG. 7 is a flowchart showing an example of the notification processing procedure according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that realizes the function of the payment server.

Hereinafter, a notification device, a notification method, and a mode for implementing the notification program according to the present application (hereinafter, referred to as “the embodiment”) will be described in detail with reference to the drawings. Note that this embodiment does not limit the notification device, notification method, and notification program according to the present application. Further, in each of the following embodiments, the same parts will be designated by the same reference numerals, and duplicate description will be omitted.

[1. Embodiment]
The notification process realized by the notification device and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of notification processing according to an embodiment. In FIG. 1, it is assumed that the payment server 10 which is an example of the notification device according to the present embodiment realizes the notification processing and the like according to the embodiment.

As shown in FIG. 1, the notification system 1 according to the embodiment includes a payment server 10, a user terminal 100, a business terminal 200, and an external server 300. The payment server 10, the user terminal 100, the business terminal 200, and the external server 300 are connected to each other via a network N (see, for example, FIG. 4) so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The notification system 1 shown in FIG. 1 may include a plurality of payment servers 10, a plurality of user terminals 100, a plurality of business terminals 200, and a plurality of external servers 300.

The payment server 10 shown in FIG. 1 is an information processing device that executes notification processing according to an 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 related to electronic payment using the user terminal 100. For example, the payment server 10 manages the accounts of the provider (business operator) of the transaction target and the user to whom the transaction target is provided, and transfers electronic money between the accounts according to the payment request from the user. By doing so, various payments are realized. The electronic money may be, for example, points or currencies independently used by various companies, or may be money provided by the state such as Japanese yen or dollars that can be electronically traded. good.

The user terminal 100 shown in FIG. 1 is an information processing device used by the user. 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. In addition, the user terminal 100 displays the information distributed by the payment server 10 by a web browser or an application. In the example shown in FIG. 1, a case where the user terminal 100 is a smartphone is shown.

When the user terminal 100 receives the control information for realizing the 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 includes, 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), and a mark such as HTML (HyperText Markup Language). Written in up language, etc. The predetermined application itself distributed from the payment server 10 may be regarded as control information.

The business terminal 200 shown in FIG. 1 is an information processing device used by a business that provides a transaction target to a user. The business terminal 200 is realized by, for example, a POS (Point of Sales) terminal, a smartphone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the business terminal 200 displays the information distributed by the payment server 10 by a web browser or an application. In the example shown in FIG. 1, the case where the business operator terminal 200 is a POS terminal is shown.

The external server 300 shown in FIG. 1 is an information processing device that manages information about payment means that can be used by the user, and is realized by a server device, a cloud system, or the like. For example, the external server 300 is a server device belonging to each card company that manages and operates the user's credit card. Specifically, the external server 300 receives information indicating the usage details of the credit card issued to the user, executes payment processing to the payee based on the received information, and sends the user a predetermined date. Execute billing processing (processing to withdraw the payment amount by payment processing from the user's bank account). In addition, the external server 300 uses the payment amount by using the card, the payment target (purchased product, etc.), the payee (store where the product was purchased, etc.), the transaction date and time, etc. as the credit card usage history (usage statement). It is managed in association with the person.

Further, for example, the external server 300 is a server device belonging to a bank. For example, the external server 300 uses the bank account usage history as information on the withdrawal from the bank account by each card company or the provider of various services (the amount of withdrawal, the date and time of withdrawal, etc.) and the current account information (the amount of withdrawal, the date and time of withdrawal, etc.). Account balance, etc.) is managed in association with the user.

[1-1. About payment using user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the notification processing executed by the payment server 10. In the following description, the user U1 uses a two-dimensional code (QR code (registered trademark)) arranged in the store A and indicates the store identification information C1 that identifies the store A. An example of performing payment using the user terminal 100 will be described, but the embodiment is not limited to this. An example of payment described below can be applied even when an arbitrary user makes a payment at an arbitrary store using an arbitrary user terminal 100. Further, the store identification information C1 may be not only a QR code but also a barcode, a predetermined mark, a number, or the like.

For example, when the user U1 uses or purchases a payment target (transaction target) such as various products or services at the store A, the user U1 uses a payment application pre-installed on the user terminal 100. to start. Then, the user U1 photographs the store identification information C1 installed in the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the user U1 or the clerk of the store A. Then, the user terminal 100 includes the user identification information for identifying the user U1 and the store identification information C1 (or the information indicated by the store identification information C1, that is, the information indicating the store A (for example, the store ID)). , The payment information indicating the payment amount is transmitted to the payment server 10.

In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store A indicated by the store identification information C1. Then, the payment server 10 transmits 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 by electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice.

The payment using the user terminal 100 is not limited to the above-mentioned processing. For example, the payment using the user terminal 100 may be made using the business terminal 200 installed in the store A. For example, the user terminal 100 causes the user identification information for identifying the user U1 to be displayed on the screen. In such a case, the business terminal 200 installed in the store A reads the user identification information displayed on the user terminal 100, and the user identification information (or the information indicated by the user identification information, that is, use. Information indicating the person U1 (for example, user ID)), the payment amount, and the payment information indicating the information identifying the store A are transmitted to the payment server 10. In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store A, and the business terminal 200 of the store A or the business terminal 200 or The user terminal 100 may be notified that the payment has been made by outputting a screen indicating that the payment has been completed or a predetermined voice.

Further, the payment using the user terminal 100 is not only a process of transferring the electronic money from the account charged with the electronic money in advance by the user U1 to the account of the store A, but also, for example, the credit registered in advance by the user U1. Payment may be made using a card. In such a case, for example, the user terminal 100 transfers the electronic money of the settlement amount to the account of the store A, and charges the credit card management company (card company) of the user U1 for the settlement amount. You may.

Further, the payment using the user terminal 100 is not limited to the payment to the actual store, and may be, for example, the payment to the transaction target in the electronic commerce service (that is, the online payment). In such a case, for example, the user terminal 100 has the user identification information for identifying the user U1, the provider identification information for identifying the provider who provides the transaction target, and the transaction target. The payment information indicating the price (settlement amount) is transmitted to the payment server 10. Then, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the provider indicated by the provider identification information, and transfers the electronic money of the amount indicated by the payment amount to the user terminal 100. On the other hand, by outputting a screen indicating that the payment has been completed and a predetermined voice, the notification that the payment has been made is notified.

[1-2. About the outline of the embodiment]
Here, conventionally, as a technology for providing various services for managing the balance of an account used for electronic payment, a technology for executing a charge for the auto-charge amount when the value balance is equal to or less than the balance standard amount, or a user-owned technology. A technique has been proposed in which a predetermined charge amount is added to the balance of electronic money when the balance of electronic money recorded on the electronic money recording medium is less than a predetermined set amount. However, with such a technology, the amount of electronic money required for the user to make an electronic payment is not always charged, and it may not be possible to say that the use of the electronic payment can be promoted.

Further, conventionally, in a member store where the value of the balance of the user's electronic money cannot be obtained, when the balance is insufficient at the time of the user's electronic payment, the electronic payment automatically fails because the balance is insufficient. Since the member store can only notify or notify the user of the payment failure from the error display indicating that the electronic payment has failed due to the insufficient balance, and cannot grasp how much the balance remains, the balance of the shortage I can't urge you to charge. As a result, there is a problem that the user makes a payment by a payment method other than the electronic payment, and the user leaves the electronic payment service.

Therefore, the payment server 10 executes the notification process according to the embodiment. Hereinafter, the notification process executed by the payment server 10 will be described with reference to FIG. In the following description, an example in which the user terminal 100 is used by the user U1 will be shown. Further, in the following description, the user terminal 100 may be equated with the user U1. That is, in the following, the user U1 can be read as the user terminal 100.

First, the user terminal 100 receives the setting of the auto charge function of the payment application described above from the user U1 (step S1). For example, the user terminal 100 activates a payment application in response to an operation of the user U1 and has an auto-charge function for an account in the electronic payment of the user U1 (hereinafter, may be referred to as a "payment account"). Display the setting screen for setting. Then, the user terminal 100 transmits the information regarding the setting of the auto charge function input to the setting screen to the payment server 10.

Here, an example of a setting screen displayed by the user terminal 100 will be described with reference to FIG. FIG. 2 is a diagram (1) showing an example of a screen of a user terminal according to an embodiment.

As shown in FIG. 2, the user terminal 100 displays the screen SC11 which is the setting screen of the auto charge function. For example, the user terminal 100 may describe a button (toggle) B11 for setting ON / OFF of the auto charge function and a minimum amount to be charged by one auto charge (hereinafter, "charge amount"). ) Is displayed, and the screen SC11 including the area AR12 for designating the withdrawal source (bank account, credit card, etc.) of the charge amount is displayed.

Here, when the area AR11 is pressed, the user terminal 100 shifts the screen SC11 to the screen SC12 for setting the charge amount. For example, the user terminal 100 displays a screen SC12 including an area AR13 for selecting a charge amount and a button B12 for instructing the end of setting the charge amount. To give a specific example, the user terminal 100 displays a plurality of charge amounts in the area AR13, and receives a selection operation for any of them from the user U1. When the button B12 is pressed, the user terminal 100 finishes setting the charge amount, transitions to the screen SC11, and displays the charge amount selected in the area AR13 in the area AR11.

Further, when the area AR12 is pressed, the user terminal 100 shifts the screen SC11 to the screen SC13 for setting the withdrawal source of the charge amount. For example, the user terminal 100 has an area AR14 for selecting a withdrawal source, a button B13 for instructing the end of setting of the withdrawal source, and a button B14 for instructing the registration of a new withdrawal source. The screen SC12 including and is displayed. To give a specific example, the user terminal 100 displays information indicating a withdrawal source registered in advance in the payment application by the user U1 in the area AR14, and the user U1 performs a selection operation for any of the withdrawal sources. Accept from. When the button B13 is pressed, the user terminal 100 ends the setting of the withdrawal source, transitions to the screen SC11, and displays the withdrawal source selected in the area AR14 in the area AR12. When the button B14 is pressed, the user terminal 100 transitions to a screen for registering a new withdrawal source.

Returning to FIG. 1, the explanation will be continued. In the example of FIG. 1, the user U1 turns on the auto charge function, selects the charge amount as "10,000 yen" and the withdrawal source as "AAA bank", and relates to the setting of these auto charge functions. It is assumed that the user terminal 100 has transmitted the information to the payment server 10.

Subsequently, the user U1 who wishes to make a payment using the payment application to the store A reads the store identification information C1 installed in the store A using the payment application of the user terminal 100 (step S2). ). Subsequently, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the user U1 (step S3). Subsequently, the payment server 10 receives payment information from the user terminal 100 (step S4). For example, the payment server 10 receives the user identification information that identifies the user U1, the payment amount that the user U1 has input to the user terminal 100, and the payment information that indicates the store identification information C1.

Subsequently, the payment server 10 determines whether or not to automatically charge the payment account of the user U1 based on the payment information (step S5). For example, the payment server 10 determines that auto-charging is performed when the payment amount indicated by the payment information is higher than the balance of the payment account of the user U1 indicated by the user identification information, and the payment amount is equal to or less than the balance of the payment account. If, it is determined that auto-charging is not performed.

Here, in the example of FIG. 1, it is assumed that the payment server 10 determines to perform auto-charging. In this case, the payment server 10 distributes the content for the user U1 to instruct the auto charge to the user terminal 100 and displays it on the screen (step S6).

Here, an example of the content displayed by the user terminal 100 will be described with reference to FIG. FIG. 3 is a diagram (2) showing an example of the screen of the user terminal according to the embodiment.

As shown in FIG. 3, the user terminal 100 displays content for instructing auto-charging on the screen SC21 for inputting payment information regarding payment to the store A. For example, the user terminal 100 has an area AR21 for displaying the payment amount input by the user U1 and the store A as a screen for accepting the input of the payment amount after reading the store identification information C1 in step S2. The screen SC21 including the button B21 for instructing the settlement for the payment amount and the area AR22 for performing the settlement amount input operation is displayed. Then, when the input operation of the payment amount is performed, the user terminal 100 inputs the user identification information for identifying the user U1, the input payment amount, and the payment information indicating the store identification information C1 to the payment server. Send to 10. Here, as shown in the example of FIG. 1, when it is determined that the payment server 10 performs auto-charging based on the payment information, the user terminal 100 delivers the content PC 21 for instructing the auto-charging to the payment server 10. Is accepted from and displayed on the screen SC21. Then, when the content PC 21 is pressed, the user terminal 100 sends a notification to the payment server 10 that the content PC 21 is auto-charged and the store A is settled.

The user terminal 100 may display the content PC 21 on the screen SC21 instead of the button B21.

Further, when the button B21 is pressed, the user terminal 100 may display a screen for charging the settlement account and accept the input of the charge amount from the user U1. For example, the user terminal 100 displays a screen including information that the balance of the payment account is insufficient for the payment amount entered on the screen SC21 and information indicating the insufficient amount, and the screen is displayed. Accepts the input of the amount to be charged to the payment balance, and transmits the information indicating the amount to the payment server 10.

Further, as described above, when the business terminal 200 installed in the store A makes a payment to the store A by reading the user identification information displayed on the user terminal 100, the user terminal 100 is used. On the screen for displaying the person identification information, the information that the auto charge is performed may be displayed. For example, the user terminal 100 has an area AR23 for displaying the user identification information of the user U1 and a pop-up PU21 indicating that auto-charging is executed when the balance of the settlement account is insufficient for the settlement amount. The screen SC22 including the screen is displayed.

Further, as described above, when the online payment is performed using the user terminal 100, the user terminal 100 may display the content for instructing the auto charge on the screen for performing the online payment. .. For example, in the electronic commerce service, when the purchase operation of the transaction target put into the virtual cart by the user U1 is performed, the user terminal 100 uses the user identification information for identifying the user U1 and the transaction put into the virtual cart. The target price (that is, the settlement amount) is transmitted to the settlement server 10. Then, when the payment server 10 determines that the payment account of the user U1 is to be auto-charged based on the payment amount, the user terminal 100 accepts the distribution of the content PC 22 for instructing the auto-charge from the payment server 10. , Display the screen SC23 including the area AR24 for displaying information regarding the payment amount and the content PC 22. When the content PC 22 is pressed, the user terminal 100 sends a notification to the payment server 10 that the content PC 22 is auto-charged and the transaction target is settled.

The explanation will be continued by returning to FIG. In the example of FIG. 1, it is assumed that the user terminal 100 sends a notification to the payment server 10 that the user terminal 100 performs auto-charging and makes a payment to the store A. In this case, the payment server 10 notifies the external server 300 belonging to the withdrawal source "AAA Bank" of the auto charge set by the user U1 of the amount to be auto-charged (step S7). For example, when the settlement amount for the store A is higher than the balance of the settlement account and is equal to or less than the total amount of the balance and the charge amount "10,000 yen", the settlement server 10 sets the charge amount "10,000 yen". Will be notified as the amount to be auto-charged. Further, when the settlement amount for the store A is higher than the total amount of the balance of the settlement account and the charge amount "10,000 yen", the settlement server 10 automatically charges the amount of the shortage of the balance with respect to the settlement amount. Notify as an amount.

In the example of FIG. 1, it is assumed that the settlement server 10 sets the amount to be auto-charged to the charge amount "10,000 yen" and notifies the external server 300.

Subsequently, the payment server 10 receives a payment completion notification regarding the charge amount from the external server 300 (step S8). For example, the payment server 10 receives a notification sent from the external server 300 when the process of charging the user U1 for the charge amount "10,000 yen" is completed.

Subsequently, after receiving the notification from the external server 300, the payment server 10 automatically charges the payment account of the user U1 and executes the payment process based on the payment information (step S9). For example, the payment server 10 performs a process of depositing electronic money for the charge amount of "10,000 yen" into the payment account, and then transfers the electronic money for the payment amount indicated by the payment information from the payment account to the account of store A. Execute the process to be migrated.

Subsequently, the payment server 10 notifies the information indicating the auto-charged amount and the payment amount (step S10). For example, the payment server 10 is a screen indicating that the payment has been completed, and delivers a screen SC1 indicating that the charge amount "10,000 yen" has been automatically charged and the payment amount to the user terminal 100. To display.

As described above, the payment server 10 according to the embodiment can immediately perform auto-charging and execute payment processing when the balance is insufficient when the user makes electronic payment. As a result, the payment server 10 according to the embodiment can prevent the user from giving up the use of electronic payment due to insufficient balance and making a payment using another payment means. That is, the payment server 10 according to the embodiment can promote the use of electronic payment.

Further, the payment server 10 according to the embodiment does not need to display an error at the time of payment and prompt the user to perform a payment action such as charging, and can avoid a situation in which a payment failure occurs due to insufficient balance. Therefore, the payment server 10 according to the embodiment can prevent the user from leaving the electronic payment service and increase the number of payments for the payment failure in the conventional technique.

[2. Payment server configuration]
Next, the configuration of the payment server 10 will be described with reference to FIG. FIG. 4 is a diagram showing a configuration example of a payment server according to the embodiment. As shown in FIG. 4, the payment server 10 includes a communication unit 20, a storage unit 30, and a control unit 40.

(About communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 20 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the user terminal 100, the business terminal 200, the external server 300, and the like.

(About 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 (Flash Memory), or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 30 has an account database 31 and a user information database 32.

(About account database 31)
The account database 31 stores various information about an account (payment account) owned by a user, a business operator, or the like in an electronic payment service. Here, an example of the information stored in the account database 31 will be described with reference to FIG. FIG. 5 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 5, the account database 31 has items such as "account ID", "owner information", "account balance", and "withdrawal source information".

"Account ID" indicates identification information for identifying an account. "Owner information" indicates information about the owner who owns the account, and for example, identification information for identifying the owner is stored. "Account balance" indicates the balance of the account. "Withdrawal source information" indicates information on the withdrawal source of the amount to be charged to the account, for example, information on the user's credit card (for example, credit card number, expiration date, security code, etc.), and the user. Includes information such as information about a bank account (eg, financial institution name, branch name, account number, account name, etc.).

That is, in FIG. 5, the information of the account holder identified by the account ID "AID # 1" is "user # 1", the account balance is "7,800 yen", and the withdrawal source information is "withdrawal". An example of "money source information # 1" is shown.

(About user information database 32)
The user information database 32 stores various information about users of the service provided by the payment server 10. Here, an example of the information stored in the user information database 32 will be described with reference to FIG. FIG. 6 is a diagram showing an example of a user information database according to the embodiment. In the example of FIG. 6, the user information database 32 has items such as "user ID", "payment history", "maximum usage amount", and "setting information".

The "user ID" indicates identification information for identifying the user. The "payment history" shows the history of payments made using an electronic payment service, and stores information such as a payment destination and a payment amount. The "maximum usage amount" indicates an amount set by the user as an amount that can be used within a predetermined period (for example, one day, one month). The "setting information" indicates information related to the setting of the auto charge function in the electronic payment service, and has items such as "auto charge setting", "charge amount", and "withdrawal source". The "auto-charge setting" stores information such as "yes" indicating that the user has the auto-charge function turned on, or "no" indicating that the auto-charge function is turned off. "Charge amount" indicates the amount to be auto-charged. The "withdrawal source" indicates the withdrawal source of the "charge amount" set by the user.

That is, in FIG. 6, the payment history of the user identified by the user ID "UID # 1" is "payment history # 1," the maximum usage amount is "50,000 yen," the auto charge setting is "yes," and the charge is charged. An example is shown in which the amount is "10,000 yen" and the withdrawal source is "withdrawal source # 1".

(About control unit 40)
The control unit 40 is a controller, and for example, various programs stored in a storage device inside the payment server 10 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use the RAM as a work area. It is realized by being executed. 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. 4, the control unit 40 according to the embodiment includes a reception unit 41, a determination unit 42, a display control unit 43, a processing unit 44, and a notification unit 45, and information described below. Realize or execute the function or action of processing.

(About reception desk 41)
The reception unit 41 receives payment information related to payment by a predetermined payment means performed using a payment account associated with the user. For example, in the example of FIG. 1, the reception unit 41 inputs the user identification information for identifying the user U1, the payment amount input by the user U1 to the user terminal 100, and the payment information indicating the store identification information C1. Accept from user terminal 100.

The reception unit 41 may accept payment information regarding payment for a transaction target in the electronic commerce service. For example, the reception unit 41 uses the user identification information that identifies the user, the provider identification information that identifies the provider that provides the transaction target, and the payment information that indicates the price (settlement amount) of the transaction target. Accept from terminal 100.

In addition, the reception unit 41 may receive payment information from the business terminal 200 installed in the store. For example, the reception unit 41 is the user identification information read by the business terminal 200, and is the payment information indicating the user identification information displayed on the user terminal 100, the payment amount, and the information for identifying the store. Accept.

(About the judgment unit 42)
The determination unit 42 determines whether or not to make a deposit to the user's settlement account based on the settlement information received by the reception unit 41. For example, the determination unit 42 refers to the account database 31 and makes a deposit to the user's payment account based on the payment amount indicated by the payment information and the balance of the payment account corresponding to the user identification information indicated by the payment information. Determine whether to do it.

Further, the determination unit 42 may determine that the payment is made to the settlement account when the settlement amount indicated by the settlement information is higher than the balance of the settlement account. For example, in the example of FIG. 1, the determination unit 42 determines that the auto charge is performed when the settlement amount indicated by the settlement information is higher than the balance of the settlement account of the user U1 indicated by the user identification information, and the settlement amount is determined. If is less than or equal to the balance of the settlement account, it is determined that auto-charging is not performed.

(About display control unit 43)
The display control unit 43 displays the content for instructing the payment to the settlement account on the user terminal used by the user. For example, in the example of FIG. 1, the display control unit 43 distributes the content for the user U1 to instruct the auto charge to the user terminal 100 and displays it on the screen.

Further, the display control unit 43 may display the content on the screen for making a payment using a predetermined payment means in the electronic commerce. For example, as shown in FIG. 3, when online payment is performed using the user terminal 100, the display control unit 43 displays the content PC 22 for instructing auto-charging on the screen SC23 for performing online payment. Let me.

Further, the display control unit 43 may display the content on the screen for making a payment by the payment means performed by reading the information associated with the store where the user terminal makes the payment. For example, as shown in FIG. 3, the display control unit 43 distributes the content PC 21 for instructing auto-charging to the user terminal 100 and displays it on the screen SC21.

Further, the display control unit 43 may display the content when the determination unit 42 determines that the payment is to be made. For example, in the example of FIG. 3, when the determination unit 42 determines that the auto charge is performed based on the payment information, the display control unit 43 causes the content PC 21 to be displayed on the screen SC21.

(About processing unit 44)
When the determination unit 42 determines that the payment is to be made, the processing unit 44 deposits a predetermined amount into the settlement account and executes the settlement process based on the settlement information. For example, the processing unit 44 refers to the user information database 32, auto-charges the user's payment account based on the setting information, and executes the payment processing based on the payment information.

Further, when the content is selected, the processing unit 44 may deposit a predetermined amount into the settlement account and execute the settlement process. For example, in the example of FIG. 3, when the content PC 21 is pressed, the processing unit 44 performs auto-charging and executes payment processing for the store A.

Further, the processing unit 44 may deposit an amount based on the set amount set by the user into the settlement account. For example, the processing unit 44 automatically charges the settlement account with an amount that is in units of the set amount and is equal to or greater than the shortage of the balance of the settlement account with respect to the settlement amount. To give a specific example, the processing unit 44 sets "5,000 yen" when the set amount is "5,000 yen" and the shortage of the balance of the settlement account with respect to the settlement amount is "2,000 yen". "Yen" is auto-charged. Further, when the set amount of money is "5,000 yen" and the shortage of the balance is "6,000 yen", the processing unit 44 charges "10,000 yen" for two times based on the set amount of money. Is auto-charged. In other words, the processing unit 44 automatically charges the amount of the charge N times (N is an arbitrary natural number) based on the set amount, which is the amount equal to or more than the shortage of the balance.

Further, when the settlement amount indicated by the settlement information is higher than the balance of the settlement account and is equal to or less than the total amount of the balance and the set amount, the processing unit 44 may deposit the set amount into the settlement account. For example, in the example of FIG. 1, when the settlement amount for the store A is higher than the balance of the settlement account and is equal to or less than the total amount of the balance and the charge amount "10,000 yen", the processing unit 44 sets the charge amount. Execute the process of auto-charging "10,000 yen".

Further, when the settlement amount indicated by the settlement information is higher than the total amount of the balance of the settlement account and the set amount, the processing unit 44 deposits the amount of the shortage of the balance with respect to the settlement amount into the settlement account. May be good. For example, in the example of FIG. 1, when the settlement amount for the store A is higher than the total amount of the balance of the settlement account and the charge amount "10,000 yen", the processing unit 44 performs the shortage of the balance with respect to the settlement amount. Executes the process of auto-charging the amount of money.

Further, the processing unit 44 may deposit a predetermined amount of money from the account linked to the settlement account to the settlement account, which is an account used for the settlement means different from the predetermined settlement means. For example, in the example of FIG. 1, the processing unit 44 notifies the external server 300 belonging to the withdrawal source "AAA Bank" of the auto charge set by the user U1 of the amount to be auto-charged, and the settlement account of the user U1. Auto-charge to.

Further, the processing unit 44 may deposit a predetermined amount of money into the settlement account and charge the credit card associated with the settlement account with the predetermined amount of money. For example, the processing unit 44 notifies the external server 300 belonging to each card company that manages and operates the credit card set as the withdrawal source by the user, and notifies the user's settlement account of the amount to be automatically charged. Perform auto charge.

Here, in addition to auto-charging from a bank account or credit card, for example, there may be a request for auto-charging using a post-payment function in the electronic payment service provided by the payment server 10. Therefore, the processing unit 44 may deposit a predetermined amount into the settlement account and set the predetermined amount as the amount to be paid by the user after the predetermined period has elapsed. For example, when the post-payment function in the electronic payment service is selected as the payment method of the amount to be auto-charged by the user, the processing unit 44 automatically charges the user's payment account with a predetermined amount. Then, after the predetermined period has elapsed, the processing unit 44 performs the clearing process by the method selected by the user as the postpaid clearing method. To give a specific example, the processing unit 44 performs a process of deducting the auto-charged amount from the bank account linked to the settlement account. In addition, the processing unit 44 performs a process of charging the auto-charged amount to the credit card associated with the settlement account. In addition, the processing unit 44 performs a process of deducting the auto-charged amount from the settlement account.

Furthermore, there may be a desire to give the user a sense of security by performing an auto charge that is equal to or less than the upper limit of usage set by the user as the amount that can be used within a predetermined period. Therefore, the processing unit 44 may deposit an amount equal to or more than the set amount and not more than the upper limit amount that can be used by the user in the settlement means into the settlement account. For example, the processing unit 44 is an amount equal to or more than the charge amount set by the user, and is equal to or less than the balance obtained by subtracting the total amount of payments made by the user using the electronic payment service within a predetermined period from the usage upper limit amount. Auto-charge the amount of money.

In addition, the display control unit 43 may display on each screen shown in FIG. 3 that the amount of money that is equal to or greater than the charge amount set by the user and is equal to or less than the upper limit of usage amount is to be auto-charged.

Furthermore, if the balance of the payment account falls below a predetermined threshold after auto-charging and executing the payment process, the electronic payment service can be provided by further performing auto-charging to maintain the balance of the payment account above the predetermined threshold. There may be a request to encourage users to continue using the service. Therefore, if the balance of the settlement account becomes equal to or less than a predetermined threshold value after executing the settlement process, the processing unit 44 may deposit a predetermined amount into the settlement account. For example, when the amount of the shortage of the balance of the settlement account with respect to the settlement amount is automatically charged and the settlement process is performed (that is, when the balance of the settlement account becomes "0 yen"), the processing unit 44 sets the predetermined amount. (For example, the charge amount set by the user) is automatically charged.

(About notification unit 45)
The notification unit 45 notifies the user of information regarding the payment processing by the processing unit 44. For example, in the example of FIG. 1, the notification unit 45 distributes the screen SC1 indicating that the payment has been completed to the user terminal 100, and notifies the user U1 of the information regarding the payment processing on the screen.

In addition, the notification unit 45 may notify information indicating the amount of money deposited in the settlement account and the settlement amount by the settlement process. For example, in the example of FIG. 1, the notification unit 45 distributes the screen SC1 indicating that the charge amount "10,000 yen" has been auto-charged and the settlement amount to the user terminal 100 and displays it on the screen.

[3. Notification processing flow]
The procedure of the notification processing of the payment server 10 according to the embodiment will be described with reference to FIG. 7. FIG. 7 is a flowchart showing an example of the notification processing procedure according to the embodiment.

As shown in FIG. 7, the payment server 10 receives payment information related to payment by a predetermined payment means performed using a payment account associated with the user (step S101). Subsequently, the payment server 10 determines whether or not to make a deposit to the payment account based on the payment information (step S102). When it is determined that the payment to the settlement account is not performed (step S102; No), the settlement server 10 executes the settlement process based on the settlement information (step S103), and ends the process.

On the other hand, when it is determined to make a deposit to the settlement account (step S102; Yes), the settlement server 10 deposits a predetermined amount into the settlement account and executes the settlement process (step S104). Subsequently, the settlement server 10 notifies the information indicating the amount deposited in the settlement account and the settlement amount by the settlement process (step S105), and ends the process.

[4. Modification example]
The above-described embodiment shows an example, and various modifications and applications are possible.

[4-1. About auto charge]
In the above-described embodiment, the processing unit 44 has shown an example in which the charge amount set by the user and the amount of the shortage of the balance of the settlement account with respect to the settlement amount are automatically charged and the settlement process is executed. The function of 44 is not limited to such an example. For example, the processing unit 44 may automatically charge the settlement account with the amount of the settlement amount and execute the settlement process.

[4-2. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be performed manually, and conversely, all the processes described as being performed manually. Alternatively, a part thereof can be automatically performed by a known method. In addition, the processing procedure, specific name, and information including various data and parameters shown in the above document and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of the device is functionally or physically dispersed / physically distributed in any unit according to various loads and usage conditions. Can be integrated and configured.

In addition, the above-described embodiments can be appropriately combined as long as the processing contents do not contradict each other.

[5. effect〕
As described above, the payment server 10 according to the embodiment includes a reception unit 41, a determination unit 42, a display control unit 43, a processing unit 44, and a notification unit 45. The reception unit 41 receives payment information related to payment by a predetermined payment means performed using a payment account associated with the user. The determination unit 42 determines whether or not to make a deposit to the user's settlement account based on the settlement information received by the reception unit 41. Further, the determination unit 42 determines that the payment is made to the settlement account when the settlement amount indicated by the settlement information is higher than the balance of the settlement account. The display control unit 43 displays the content for instructing the payment to the settlement account on the user terminal used by the user. When the determination unit 42 determines that the payment is to be made, the processing unit 44 deposits a predetermined amount into the settlement account and executes the settlement process based on the settlement information. Further, when the content is selected, the processing unit 44 deposits a predetermined amount into the settlement account and executes the settlement process. The notification unit 45 notifies the user of information regarding the payment processing by the processing unit 44. In addition, the notification unit 45 notifies information indicating the amount of money deposited in the settlement account and the settlement amount by the settlement process.

As a result, the payment server 10 according to the embodiment immediately performs auto-charging when the balance is insufficient when the user makes an electronic payment, and executes the payment process, so that the balance is insufficient. Since it is possible to prevent the user from giving up the use of electronic payment and making a payment using another payment method, the use of electronic payment can be promoted.

Further, in the payment server 10 according to the embodiment, for example, the display control unit 43 displays the content on the screen for making a payment using a predetermined payment means in the electronic commerce. In addition, the display control unit 43 displays the content on the screen for making a payment by the payment means performed by reading the information associated with the store where the user terminal makes the payment. Further, the display control unit 43 displays the content when the determination unit 42 determines that the payment is to be made.

As a result, the payment server 10 according to the embodiment can display the content for instructing the user to auto-charge on the screen for making a payment using a predetermined payment means, thus improving convenience. Can be made to.

Further, in the settlement server 10 according to the embodiment, for example, the processing unit 44 deposits an amount based on the set amount set by the user into the settlement account. Further, when the settlement amount indicated by the settlement information is higher than the balance of the settlement account and is equal to or less than the total amount of the balance and the set amount, the processing unit 44 deposits the set amount into the settlement account. Further, when the settlement amount indicated by the settlement information is higher than the total amount of the balance of the settlement account and the set amount, the processing unit 44 deposits the amount of the shortage of the balance with respect to the settlement amount into the settlement account. Further, the processing unit 44 is an account used for a payment means different from the predetermined payment means, and deposits a predetermined amount from the account linked to the payment account to the payment account. In addition, the processing unit 44 deposits a predetermined amount of money into the settlement account and charges the credit card associated with the settlement account with the predetermined amount of money.

As a result, the payment server 10 according to the embodiment can automatically charge the amount of money according to the content of the payment from a credit card, a bank account, or the like arbitrarily set by the user, which can improve convenience. can.

Further, in the settlement server 10 according to the embodiment, for example, the processing unit 44 deposits a predetermined amount into the settlement account, and sets the predetermined amount as an amount to be paid by the user after the predetermined period has elapsed.

As a result, the payment server 10 according to the embodiment can perform auto-charging using the post-payment function in the electronic payment service in addition to auto-charging from a bank account or credit card, which can improve convenience. can.

Further, in the payment server 10 according to the embodiment, for example, the processing unit 44 deposits an amount equal to or more than the set amount and not more than the upper limit amount that can be used by the user in the payment means into the payment account.

As a result, the payment server 10 according to the embodiment can perform auto-charging equal to or less than the usage upper limit set by the user as the amount that can be used within a predetermined period, which can give the user a sense of security. can.

[6. Hardware configuration]
Further, the payment server 10 according to each of the above-described embodiments is realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the payment server 10 will be described as an example. FIG. 8 is a hardware configuration diagram showing an example of a computer that realizes the function of the payment server. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

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

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N of the embodiment) and sends the data to the CPU 1100, and the data generated by the CPU 1100 via the communication network 500 is transmitted to another device. Send to the device.

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

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1200. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1200 via the 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 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. And so on.

For example, when the computer 1000 functions as the payment server 10, the CPU 1100 of the computer 1000 realizes the function of the control unit 40 by executing the program loaded on 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 some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to practice the present invention in other improved forms.

Further, the configuration of the payment server 10 described above can be flexibly changed, such as by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function.

Further, the "part" described in the claims can be read as "means" or "circuit". For example, the reception unit can be read as a reception means or a reception circuit.

10 Payment server 20 Communication unit 30 Storage unit 31 Account database 32 User information database 40 Control unit 41 Reception unit 42 Judgment unit 43 Display control unit 44 Processing unit 45 Notification unit 100 User terminal 200 Business terminal 300 External server

Claims (14)

A reception unit that accepts payment information related to payment by a predetermined payment method using a payment account linked to the user,
A determination unit that determines whether or not to make a deposit to the user's payment account based on the payment information received by the reception unit.
When it is determined by the determination unit that payment is to be made, instead of the content for instructing the payment processing based on the payment information, the payment to the payment account and the payment processing based on the payment information are instructed. A display control unit that displays the content for the purpose on the user terminal used by the user,
When the content displayed by the display control unit is selected , the upper limit set by the user, which can be used by the predetermined payment means within the predetermined period, is used for the predetermined period. a processing unit for the user to enter gold the amount of the following remaining amount obtained by subtracting the total amount of the settlement, which was carried out by using the predetermined payment means to the settlement account, to perform the settlement processing based on the payment information within,
A notification device including a notification unit that notifies the user of information related to payment processing by the processing unit. The determination unit
The notification device according to claim 1, wherein when the settlement amount indicated by the settlement information is higher than the balance of the settlement account, it is determined that the payment is made to the settlement account. The processing unit
The notification device according to claim 1 or 2, wherein an amount based on a set amount set by the user is deposited into the settlement account. The processing unit
The notification device according to claim 3, wherein an amount equal to or more than the set amount and equal to or less than the upper limit amount available to the user in the payment means is deposited in the payment account. The processing unit
When the settlement amount indicated by the settlement information is higher than the balance of the settlement account and is equal to or less than the total amount of the balance and the set amount, the claim is characterized in that the set amount is deposited in the settlement account. Item 3. The notification device according to item 3. The processing unit
When the settlement amount indicated by the settlement information is higher than the total amount of the balance of the settlement account and the set amount, the amount of the shortfall of the balance with respect to the settlement amount is credited to the settlement account. The notification device according to any one of claims 3 to 5. The processing unit
Any of claims 1 to 6, which is an account used for a payment method different from the predetermined payment means, and is characterized in that a predetermined amount is deposited from the account linked to the payment account to the payment account. The notification device according to one. The processing unit
The notification device according to any one of claims 1 to 7, wherein a predetermined amount is deposited in the settlement account and the credit card associated with the settlement account is charged with the predetermined amount. .. The processing unit
The invention according to any one of claims 1 to 8, wherein a predetermined amount is deposited in the settlement account, and the predetermined amount is set as an amount to be paid by the user after a predetermined period has elapsed. Notification device. The display control unit
The notification device according to any one of claims 1 to 9, wherein the content is displayed on a screen for making a payment using the predetermined payment means in an electronic commerce. The display control unit
Notification device according to claim 1 0, characterized in that to display the content screen for settlement by the settlement means the user terminal is performed by reading the information to be linked and the store performing settlement. The notification unit
The notification device according to any one of claims 1 to 11 , wherein the information indicating the amount of money deposited in the settlement account and the settlement amount of the settlement process is notified. A notification method performed by a computer
A reception process that accepts payment information related to payment by a predetermined payment method using a payment account linked to the user,
Based on the payment information received by the reception process, a determination process for determining whether or not to make a deposit to the user's payment account, and a determination process.
When it is determined by the determination step that payment is to be made, instead of the content for instructing the payment processing based on the payment information, the payment to the payment account and the payment processing based on the payment information are instructed. A display control process for displaying the content for the purpose on the user terminal used by the user, and
When the content displayed by the display control step is selected , the upper limit set by the user and can be used by the predetermined payment means within the predetermined period is used for the predetermined period. It said the process the user the amount of the following remaining amount obtained by subtracting the total amount of the settlement, which was carried out by using the predetermined payment means the payment is to the settlement account, to perform the settlement processing based on the payment information within,
A notification method including a notification process for notifying the user of information regarding payment processing by the processing process. A reception procedure for accepting payment information related to payment by a predetermined payment method using a payment account linked to the user, and
Based on the payment information received by the reception procedure, a determination procedure for determining whether or not to make a deposit to the user's payment account, and a determination procedure.
When it is determined to make a deposit by the determination procedure, instead of the content for instructing the settlement process based on the settlement information, the payment to the settlement account and the settlement process based on the settlement information are instructed. Display control procedure for displaying the content for the purpose on the user terminal used by the user, and
When the content displayed by the display control procedure is selected , the upper limit set by the user, which can be used by the predetermined payment means within the predetermined period, is used for the predetermined period. wherein the processing procedure the user the amount of the following remaining amount obtained by subtracting the total amount of the settlement, which was carried out by using the predetermined payment means the payment is to the settlement account, to perform the settlement processing based on the payment information within,
A notification program comprising causing a computer to execute a notification procedure for notifying the user of information regarding payment processing according to the processing procedure.

Images