JP2017156860A - Information processing system, server device, information processing method, and information processing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information processing system, a server device, an information processing method, and an information processing program that can avoid shortage of balance of a withdrawal account used for credit settlement while reducing a burden on a user.SOLUTION: A wallet server temporarily settles a payment amount of a transaction object by first settlement method, i.e. credit settlement available to a user requesting settlement for a transaction object, then on the basis of balance of a withdrawal account associated with the first settlement method or a usable amount of the first settlement method, and use history of the first settlement method, allocates part or the whole of the payment amount temporarily settled by the first settlement method to a second settlement method different from the first settlement method, and actually settles part or the whole of the payment amount temporarily settled by the first settlement method by the allocated second settlement method.SELECTED DRAWING: Figure 10

Description

  The present invention relates to a technical field such as a system in which a payment amount settled by a settlement method that is a credit settlement is allocated to another settlement method and settled.

  Conventionally, as a settlement method for settlement of a payment amount (payment price) of a transaction object, for example, credit settlement using a credit card (postpaid settlement), electronic money settlement using an electronic value having a monetary value (prepayment) There are known methods such as point settlement using a point that can be used for payment at a predetermined conversion rate, and instant debit payment using a debit card (immediate debit settlement from a bank account). When a user seeking settlement for a transaction target can use a plurality of settlement methods, the payment amount of the transaction target is settled by a settlement method arbitrarily designated by the user. Among these settlement methods, in the credit settlement, the user can settle the transaction target payment amount within a preset credit limit (credit frame). On the other hand, in Patent Document 1, the detailed data selected by the user is immediately settled by the settlement method designated by the user, and the total amount related to the settlement is added to the available amount. There has been proposed a system that makes it possible to use a credit card exceeding the credit limit set within a certain period without increasing the limit.

Japanese Patent No. 5400219

  By the way, in the case where the withdrawal account used for credit settlement cannot be withdrawn due to insufficient balance, information indicating that payment has been delayed is recorded in the credit information of the user. In order to prevent such a situation, although it is possible to apply the technique of patent document 1, in this technique, since the user needs to select the detailed data used as a process target, a burden will be given to a user. That is, it is a burden for the user that the user always confirms the balance of the withdrawal account and the amount charged.

  Therefore, the present invention has been made in view of the above points and the like, and an information processing system and a server device that can avoid a shortage of balance of a withdrawal account used for credit settlement while reducing the burden on the user It is an object to provide an information processing method and an information processing program.

  In order to solve the above problem, the invention according to claim 1 is an acquisition means for acquiring identification information of a user who seeks payment for a transaction object, and a plurality of payment methods that can be used by the user, wherein the identification information A first settlement unit that settles the payment amount of the transaction object by a first settlement method that is a credit settlement among the plurality of settlement methods associated with the first settlement method, and the first settlement unit that is associated with the identification information Based on the balance of the debit account associated with the payment method of the transaction, the available amount of the first payment method, and the usage history of the first payment method, the payment was made by the first payment method. Allocation means for allocating a part or all of the payment amount to a second settlement method that is different from the first settlement method and is associated with the identification information And a second settlement unit configured to settle a part or all of the payment amount settled by the first settlement method by the allocated second settlement method. To do.

  According to the present invention, it is possible to avoid a shortage of balance of a withdrawal account used for credit settlement while reducing the burden on the user.

  According to a second aspect of the present invention, in the information processing system according to the first aspect, the previous first payment method is based on a usage history of the first payment method associated with the identification information. When further comprising a detecting means for detecting that there is a possibility that the balance of the associated withdrawal account is insufficient, and the allocating means is detected by the detecting means that the balance may be insufficient A part or all of the payment amount settled by the first settlement method is allocated to the second settlement method.

  According to the present invention, it is possible to avoid a shortage of balance of a withdrawal account used for credit settlement while reducing the burden on the user.

  According to a third aspect of the present invention, in the information processing system according to the first or second aspect, the allocator calculates a part or all of the amount of the payment that has been settled by the first settlement method. And allocating according to the priority order designated in advance by the user among the plurality of second settlement methods.

  According to the present invention, it is possible to perform allocation according to the user's intention without imposing a burden on the user.

  According to a fourth aspect of the present invention, in the information processing system according to any one of the first to third aspects, the allocating unit uses a payment method usage history and usage included in the information of the second payment method. The remaining amount is calculated by subtracting the amount that should not be used from the available amount based on the available amount, and is allocated to the second settlement method so that the allocated amount is equal to or less than the remaining amount. .

  According to the present invention, allocation with higher accuracy (high reliability) can be performed.

  The invention according to claim 5 is an acquisition means for acquiring identification information of a user who seeks settlement for a transaction object, and a plurality of settlement methods that can be used by the user, the plurality of which are associated with the identification information. A first settlement method for settlement of the payment amount of the transaction object by a first settlement method that is a credit settlement, and a first settlement method associated with the identification information. Part of the payment amount settled by the first settlement method based on the balance of the withdrawal account or the available amount of the first settlement method and the usage history of the first settlement method Or an allocation means for allocating the entire amount to the second settlement method that is different from the first settlement method and is associated with the identification information; and the first settlement method By The amount of some or all of the payment has been said payment amount, characterized in that it comprises a second means of payment for settlement by the allocated second settlement method.

  The invention according to claim 6 is an information processing method executed by one or more computers, wherein an acquisition step of acquiring identification information of a user who seeks settlement for a transaction object, and a plurality of available users A first settlement step for settlement of the payment amount of the transaction object by a first settlement method that is a credit settlement among the plurality of settlement methods associated with the identification information; Based on the balance of the withdrawal account associated with the associated first settlement method or the available amount of the first settlement method, and the usage history of the first settlement method, the first A part or all of the payment amount settled by one settlement method is a second settlement method different from the first settlement method, and is associated with the identification information. Allocating to the second settlement method, and a part or all of the payment amount settled by the first settlement method is settled by the allocated second settlement method And a second settlement step.

  The invention according to claim 7 is an acquisition means for acquiring identification information of a user who seeks settlement for a transaction object, and a plurality of settlement methods that can be used by the user, and is associated with the identification information. Corresponding to a first settlement method that settles the transaction target payment amount by a first settlement method that is a credit settlement among the plurality of settlement methods, and the first settlement method associated with the identification information Of the payment amount settled by the first settlement method based on the balance of the withdrawal account attached or the available amount of the first settlement method and the usage history of the first settlement method Allocating means for allocating a part or all of the amount to the second settlement method that is different from the first settlement method and is associated with the identification information; The amount of some or all of the payment amount which has been settled by the settlement method, characterized in that function as a second means of payment for settlement by the allocated second settlement method.

  According to the present invention, it is possible to avoid a shortage of balance of a withdrawal account used for credit settlement while reducing the burden on the user.

It is a figure showing an example of outline composition of electronic settlement system S concerning this embodiment. FIG. 3 is a diagram illustrating a hardware configuration example of a wallet server 8. (A) is a figure which shows an example of the content of the shop information database 82a, (B) is a figure which shows an example of the content of the user information database 82b. It is a figure which shows an example of the content of the payment method information database 82c. FIG. 3 is a diagram illustrating a connection between components of the electronic payment system S and functional blocks of a system control unit 83 of the wallet server 8. It is a figure which shows the example of allocation of the payment amount. It is a sequence diagram which shows the process example of the user terminal 1 and the wallet server 8 at the time of allocation availability and priority setting. It is a figure which shows the example of a display of the allocation possibility setting screen in the user terminal. It is a sequence diagram which shows the process example of the user terminal 1, the shop terminal 2, and the wallet server 8 at the time of temporary payment by credit payment. It is a flowchart which shows the process example of the system control part 83 in the wallet server 8 at the time of monitoring of the withdrawal account of credit settlement. It is a sequence diagram which shows the process example of the wallet server 8 at the time of a real payment, and the management servers 4-7.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. The embodiment described below is an embodiment when the present invention is applied to an electronic settlement system.

[1. Overview of electronic payment system configuration and functions]
First, with reference to FIG. 1 etc., the structure and outline | summary function of the electronic payment system S which concern on this embodiment are demonstrated. FIG. 1 is a diagram illustrating a schematic configuration example of an electronic payment system S according to the present embodiment. As shown in FIG. 1, the electronic payment system S includes a user terminal 1, a store terminal 2, a first electronic money management server 3, a second electronic money management server 4, a credit card management server 5, a point management server 6, and account management. A server 7 and a wallet server 8 are included. The first electronic money management server 3, the second electronic money management server 4, the credit card management server 5, the point management server 6, the account management server 7, and the wallet server 8 are each connected to the network NW. The network NW is constructed by, for example, the Internet, a mobile communication network (including a base station) and a gateway. The credit card management server 5, the account management server 7, and the wallet server 8 are, for example, a financial institution system 9 operated by a financial institution (for example, a bank, a credit union, a credit union, a labor union, etc.) via a dedicated line. Can be connected to. The financial institution system 9 is a computer system that has a large number of accounts and can transfer funds between accounts in response to a request from the credit card management server 5, the account management server 7, or the wallet server 8.

  The user terminal 1 includes a control unit 11, a storage unit 12, an operation / display unit 13, a communication unit 14 having a communication function based on HTTP (Hypertext Transfer Protocol), and short-range wireless communication (for example, NFC (Near field radio communication) , A short-range wireless communication unit 15 having a BLE (Bluetooth Low Energy), IrDA (Infrared Data Association) standard communication function. The user terminal 1 may be a mobile terminal such as a smartphone, a mobile phone, a tablet terminal, a PDA (Personal Digital Assistant), or a mobile game machine. The control unit 11 includes a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM (Random Access Memory), and the like.

  The storage unit 12 stores an OS (Operating System), application programs, Web browser programs, and the like. The application program installed in the user terminal 1 includes a payment by at least one payment method among a plurality of payment methods that can be used by a user seeking payment for a transaction target (product or service) (this is referred to as “actual payment”). ) Includes provisional settlement program that can request provisional settlement (which is referred to as “temporary settlement”) that is provisionally (temporarily) performed in the previous stage. Examples of such settlement methods include electronic money settlement, credit settlement, point settlement, and immediate withdrawal settlement. Electronic money payment, credit payment, point payment, and immediate withdrawal payment can be executed by either temporary payment or actual payment. The storage unit 12 stores a user ID (user identification information) of the user of the user terminal 1. This user ID is input from a setting screen displayed when the user side temporary settlement program is installed in the user terminal 1, for example. In this embodiment, the user terminal 1, the first electronic money management server 3, the second electronic money management server 4, the credit card management server 5, the point management server 6, the account management server 7, and the wallet server 8 are managed. The same user ID is assumed to be the same for the same user, but different user IDs may be managed between the servers for the same user. In this case, for example, a plurality of user IDs of the same user are mutually connected in the wallet server 8. Correspondingly managed. The operation / display unit 13 includes, for example, a touch panel having an input function for accepting an operation with a user's finger or pen, and a display function for displaying information.

  As will be described later, the control unit 11 executes processing for requesting the wallet server 8 for temporary payment for a transaction target, by executing a user-side temporary payment program on the OS. The user-side temporary settlement program may be downloaded from a predetermined server to the user terminal 1 or recorded on a recording medium such as a CD or DVD (recorded so as to be readable by a computer). It may be read and stored in the storage unit 12. In addition, the control unit 11 uses the communication unit 14 via a network NW to provide a predetermined Web server (not shown), the first electronic money management server 3, the second electronic money management server 4, the credit card management server 5, and point management. It is possible to communicate with the server 6, the account management server 7, the wallet server 8, and the like. In addition, the control unit 11 can perform short-range wireless communication with the store terminal 2 by the short-range wireless communication unit 15.

  The store terminal 2 includes a control unit 21, a storage unit 22, an operation / display unit 23, a communication unit 24 having a communication function based on HTTP, a short-range wireless communication function (for example, communication conforming to standards such as NFC, BLE, IrDA, etc. ), And the I / F 26 that is responsible for the interface with the external reader / writer RW. The store terminal 2 may be a POS (Point of sale) terminal having a CAT (Credit Authorization Terminal) function. The control unit 21 includes a CPU, a ROM, a RAM, and the like. The storage unit 22 stores an OS, application programs, Web browser programs, and the like. The application programs installed in the store terminal 2 include the store-side temporary payment program capable of requesting the temporary payment described above and a normal payment program. The storage unit 22 stores a store ID (store identification information) of a store where the store terminal 2 is installed. This store ID is input from a setting screen displayed when the store side temporary settlement program is installed in the store terminal 2, for example. The operation / display unit 23 includes, for example, a touch panel having an input function for receiving an operation with a finger or a pen of a store clerk and a display function for displaying information.

  The control unit 21 executes processing for requesting the wallet server 8 for temporary payment for a transaction target, as will be described later, by executing a store side temporary payment program on the OS. The store side temporary settlement program may be downloaded from a predetermined server to the store terminal 2 or recorded on a recording medium such as a CD or DVD (recorded so as to be readable by a computer). It may be read and stored in the storage unit 22. In addition, the control unit 21 uses the communication unit 24 to transmit the first electronic money management server 3, the second electronic money management server 4, the credit card management server 5, the point management server 6, the account management server 7, and the wallet via the network NW. Communication with the server 8 or the like is possible. In addition, the control unit 21 can perform short-range wireless communication with the user terminal 1 by the short-range wireless communication unit 25. Further, the control unit 21 can communicate with the reader / writer RW through the I / F 26, and by executing a normal payment program on the OS, a payment card owned by the user (for example, The information read by the reader / writer RW is acquired from a flat card whose dimensions are determined by international standards, etc., and normal payment (electronic money payment, credit payment, point payment) based on the acquired information , Or immediate withdrawal settlement). Examples of payment cards include electronic money cards, credit cards, point cards, debit cards, and the like.

  Here, the electronic money card includes, for example, a non-contact type IC chip (IC module), and a non-volatile memory of the IC chip has a balance of electronic value corresponding to a monetary value, an electronic money number, and a log. Information such as data is stored. This electronic value is stored value type prepaid electronic money (hereinafter referred to as “stored electronic money”). The electronic money number is a number that is unique to each electronic money card, and thus, a user who is an issuer of the electronic money card can be specified. Information such as the balance of the electronic value and the electronic money number is read by the reader / writer RW of the store terminal 2 from the non-contact IC chip of the electronic money card and used for electronic money settlement (hereinafter referred to as “stored electronic money settlement”). Used. Examples of log data include usage history data and charge history data. The usage history data is data indicating a history of use of electronic value for settlement (payment), and is generated by the store terminal 2 at the time of stored electronic money settlement. The usage history data includes, for example, information such as a usage date (settlement date by stored electronic money settlement, which may include a time in addition to a date, for example), a store name used, and a usage amount. included. The charge history data is data indicating a history of charging of electronic value (that is, increasing the balance of electronic value), and is generated by the store terminal 2 when the electronic value is charged. The charge history data includes information such as a charge date and a charge amount. Note that an application program for managing stored electronic money may be installed in the user terminal 1. In this case, information such as the balance of the electronic value is stored in the non-volatile memory of the non-contact IC chip mounted on the user terminal 1 so as to be readable by the reader / writer RW of the store terminal 2. The electronic money card may store information such as an electronic money number of server-type prepaid electronic money (hereinafter referred to as “server-type electronic money”), which will be described later. In this case, the balance of the electronic value of the server type electronic money is managed by the second electronic money management server 4.

  The credit card includes, for example, a non-contact type IC chip, and the non-volatile memory of the IC chip has information such as a credit card number, a name of a user who is a credit card issuer, and an expiration date of the credit card. Is remembered. The credit card number is a number unique to each credit card, and thus, a user who is a credit card issuer can be specified. Information such as the credit card number, the user's name, and the expiration date of the credit card is read from the non-contact IC chip of the credit card by the reader / writer RW of the store terminal 2 and used for credit settlement. The electronic money card and the credit card may be an integrated shared card. In this case, information such as the balance of the electronic value and information such as a credit card number are stored in the non-volatile memory of the non-contact type IC chip of the shared card so as to be readable by the reader / writer RW of the store terminal 2. The credit card is used not only for normal payment at the store terminal 2 but also for credit payment at a predetermined Web site (for example, a shopping mall site). Alternatively, the credit card is also used for credit settlement of a transaction target payment amount (for example, gas bill, water bill, other public charges, rent, insurance fee, mobile carrier use fee, etc.) that requires periodic payment.

  On the point card, the point card number is described by a bar code or a two-dimensional code. The point card number is a number unique to each point card, and this allows the user who is the point card issuer to be identified. The point card number is read from the bar code or two-dimensional code by the reader / writer RW of the store terminal 2 and used for the point settlement. Note that the electronic money card (or credit card) and the point card may be an integrated shared card. In this case, information such as a balance of electronic value (or information such as a credit card number) and a point card number are read by the reader / writer RW of the store terminal 2 in the non-volatile memory of the contactless IC chip of the shared card. Memorized as possible. Alternatively, an application program for managing the point card number may be installed in the user terminal 1. In this case, the point card number is stored in the non-volatile memory of the non-contact type IC chip mounted on the user terminal 1 so as to be readable by the reader / writer RW of the store terminal 2. Alternatively, in this case, a barcode or two-dimensional code having the point card number is displayed on the operation / display unit 13 of the user terminal 1 in accordance with a user operation, and the point card number is obtained from the barcode or two-dimensional code. It may be read by the reader / writer RW of the store terminal 2. In addition to being used at the shop terminal 2, the point card is used for point settlement at a predetermined Web site (for example, a shopping mall site).

  The debit card has, for example, a non-contact type IC chip, and the non-volatile memory of the IC chip identifies the debit card number, the name of the user who is the issuer of the debit card, and the financial institution that issued the debit card. Information such as the financial institution ID and the expiration date of the debit card is stored. The debit card number is a number unique to each debit card, and thus, a user who is a debit card issuer can be specified. Information such as the debit card number, user name, financial institution code, and expiration date of the debit card is read from the non-contact IC chip of the debit card by the reader / writer RW of the store terminal 2 and immediately debited (debit payment) Used for. A cash card may be used as a debit card. Note that the debit card is used for immediate debit payment in a predetermined Web site (for example, a shopping mall site) in addition to being used in the store terminal 2. The debit card is used not only for normal payment at the store terminal 2 but also for immediate withdrawal payment at a predetermined Web site (for example, a shopping mall site). Alternatively, the debit card is also used for immediate debit settlement of payment amounts (for example, gas charges, water charges, rent, insurance charges, mobile carrier usage charges, etc.) subject to transactions that require periodic payment. In this case, for example, the payment amount determined for each month is automatically withdrawn from the user's account on the monthly withdrawal date.

  The first electronic money management server 3 is a server that manages stored electronic money information. In the storage unit of the first electronic money management server 3, information such as an electronic money number, a balance of electronic value of stored electronic money, log data, and a user ID is stored in association with each user. As described above, for example, when stored electronic money settlement is performed at the store terminal 2, the usage history data and the electronic money number are transmitted from the store terminal 2 to the first electronic money management server 3 via the network NW. (For example, immediate transmission or periodic transmission) and stored in the storage unit of the first electronic money management server 3. At this time, the balance of the electronic value is updated. The balance of the electronic value stored in the contactless IC chip of the electronic money card and the balance corresponding to the same electronic money number as this balance are stored in the storage unit of the first electronic money management server 3. The balance of the stored electronic value may not match due to a time lag. For example, when electronic value is charged in the store terminal 2, the charge history data and the electronic money number are transmitted from the store terminal 2 to the first electronic money management server 3 via the network NW (for example, immediate transmission). Or periodically transmitted) and stored in the storage unit of the first electronic money management server 3. At this time, the balance of the electronic value is updated.

  The second electronic money management server 4 is a server that manages information on server-type electronic money. An example of server-type electronic money is online electronic money that can be used on a predetermined website on the Internet. The storage unit of the second electronic money management server 4 stores information such as the balance of electronic value of server-type electronic money, electronic money number, log data, and user ID in association with each user. Examples of log data include usage history data and charge history data as described above. Further, the storage unit of the second electronic money management server 4 stores information such as the balance of the electronic value of the server type electronic money and the store ID for identifying the store handling the server type electronic money in association with each store. Is done. Then, the second electronic money management server 4 makes a settlement request by the server type electronic money from the user terminal 1 that has accessed the Web server at a predetermined Web site (for example, a shopping mall site) (including the user ID and the payment amount). Accordingly, electronic money settlement (hereinafter referred to as “server-type electronic money settlement”) is performed in which the balance of the electronic value associated with the user ID is reduced (that is, reduced by the amount of payment). At this time, the second electronic money management server 4 generates usage history data.

  The credit card management server 5 is a server that manages credit card information. The storage unit of the credit card management server 5 includes a credit card number, a name of a user who is a credit card issuer, an expiration date of a credit card, a credit limit (credit frame), an available amount, usage history data, a user Account information and information such as a user ID are stored in association with each user. The credit limit is, for example, an upper limit allowed for the accumulation of shopping or cashing using a credit card. The available amount is the total amount that can use the credit card at the present time (for example, the amount obtained by subtracting the current month's usage amount from the credit limit amount). The usage history data is data indicating a history that a credit card has been used for settlement, and is generated by, for example, the credit card management server 5 on the settlement date by credit settlement. This usage history data includes, for example, information such as a usage date, a usage store name, and a usage amount. This use date is, for example, a settlement date by credit settlement. The user account information includes an account number of a withdrawal account (user's account) from which a payment amount related to credit settlement is withdrawn, a balance of the withdrawal account (deposit balance), a withdrawal date, and a financial identifying the financial institution managing the account. Institution ID etc. are included.

  Further, the storage unit of the credit card management server 5 stores information such as a store ID for identifying a credit card handling store (member store) and store account information in association with each store. The store account information includes an account number of an account (store account) into which a payment amount related to credit settlement is transferred, a financial institution ID for identifying a financial institution managing the account, and the like. The credit card management server 5 can perform credit settlement using a credit card in response to a settlement request (including a credit card number, expiration date, payment amount, etc.) from the store terminal 2 or a predetermined website, for example. Whether or not there is a credit inquiry is performed. For example, when the expiration date has not passed and the transaction target payment amount does not exceed the available amount, a credit approval OK message is returned to the store terminal 2. When a credit approval OK message is received, credit settlement is performed. That is, sales are recorded by the store terminal 2, and billing data (including store ID and payment amount) for charging the transaction target payment amount is transmitted to the credit card management server 5. A fund transfer request is transmitted to the institution system 9. Thereby, the payment amount of the transaction object is withdrawn from the account (account balance) of the advance payment broker (for example, credit card company) and transferred to the account of the store where the transaction was made with the user. Thereafter, the payment amount and fee for the transaction are debited from the user's account.

  The point management server 6 is a server that manages information on points that can be used for payment at a predetermined conversion rate. The storage unit of the point management server 6 stores information such as a point card number, the remaining number of points (balance), log data, and a user ID in association with each user. Examples of the log data include usage history data and acquisition history data. The use history data is data indicating a history of points used for settlement, and is generated by the point management server 6 at the time of point settlement, for example. The usage history data includes information such as a usage date, a usage store name, and the number of usage points. The acquisition history data is data indicating a history of points acquired (for example, the number of remaining points is increased by product purchase, questionnaire response, or campaign application), and is generated by the point management server 6 when points are acquired, for example. The acquisition history data includes information such as the acquisition date and the number of acquired points.

  Further, the storage unit of the point management server 6 stores information such as the number of remaining points and a store ID for identifying a store handling the points in association with each store. And the point management server 6 respond | corresponds with the payment request (a point card number, payment amount, etc.) by the point from the shop terminal 2 or predetermined | prescribed website, for example, the remaining points matched with the said point card number The point settlement is performed by reducing the number (that is, reducing the payment amount by the point converted by the predetermined conversion rate. At this time, the point management server 6 generates use history data.

  The account management server 7 is a server that manages account information. The storage unit of the account management server 7 corresponds to information such as a debit card number, the name of the user who is the debit card issuer, the expiration date of the debit card, log data, user account information, and a user ID. Attached and memorized. Examples of log data include usage history data and transfer history data. The usage history data is data indicating a history that the debit card has been used for settlement. For example, the usage history data is generated by the account management server 7 at the time of immediate withdrawal settlement. This usage history data includes, for example, information such as a usage date, a usage store name, and a usage amount. The transfer history data is data indicating a history of transfer to an account (user account) used for debit settlement, and is generated by the account management server 7 at the time of transfer, for example. The transfer history data includes information such as a transfer date and a transfer amount. Note that the user's account may be periodically transferred (automatic transfer) such as the user's salary. The user account information includes the account number of the account (user account) from which the payment amount related to the immediate withdrawal settlement is deducted, the balance (deposit balance), and the financial institution ID for identifying the financial institution managing the account. .

  Further, the storage unit of the account management server 7 stores information such as a store ID for identifying a store (member store) handling debit cards and store account information in association with each store. The store account information includes, for example, an account number of an account (store account) into which a payment amount related to immediate withdrawal settlement is transferred, a financial institution ID for identifying a financial institution managing the account, and the like. Then, the account management server 7, for example, in response to a payment request (including debit card number and payment amount) by immediate withdrawal from the store terminal 2 or a predetermined website, a request for moving the payment amount for the transaction (user (Including the account number of the customer's account, the account number of the store's account, and the payment amount) to the financial institution system 9. Accordingly, the user account information and the store account information stored in the account management server 7 are stored in the account of the store where the payment amount of the transaction is deducted from the user's account (account balance) and transferred to the store. The balance inside is updated. At this time, the account management server 7 generates usage history data. The account management server 7 may be incorporated as a component of the financial institution system 9.

  The wallet server 8 is a server that performs the above-described provisional settlement and actual settlement. That is, the wallet server 8 temporarily changes the payment amount of the transaction object to the store instead of the user who seeks settlement for the transaction object, and then the provisionally settled payment amount can be used by the user. Alternatively, actual settlement is made by a plurality of settlement methods. Further, the wallet server 8 has a wallet function that accepts all or a part of the amount of money that can be used in each settlement method, and manages the charge amount separately for each settlement method. For example, the wallet server 8 acquires the electronic value acquired by the user terminal 1 from the electronic money card by the user's operation, and stores it in association with the user ID of the user of the user terminal 1. The charge amount corresponding to the monetary value that can be used in server-type electronic money settlement, credit settlement, point settlement, and immediate withdrawal settlement can also be managed by the wallet function.

  FIG. 2 is a diagram illustrating a hardware configuration example of the wallet server 8. As illustrated in FIG. 2, the wallet server 8 includes a communication unit 81, a storage unit 82, a system control unit 83, and the like, and these components are connected to a system bus 84. The wallet server 8 is an example of a server device. The communication unit 81 is connected to the network NW and controls the communication state. The system control unit 83 is connected to the user terminal 1, the store terminal 2, the first electronic money management server 3, the second electronic money management server 4, the point management server 5, and the credit card management server 6 via the network NW by the communication unit 81. , And the account management server 7 can be communicated with each other. The system control unit 83 communicates with each of the first electronic money management server 3, the second electronic money management server 4, the point management server 5, the credit card management server 6, and the account management server 7 via dedicated lines. May be. The storage unit 82 includes, for example, a hard disk drive and stores various programs such as an OS and a settlement program (including the information processing program of the present invention). The settlement program may be downloaded from a predetermined server to the wallet server 8 or recorded on a recording medium such as a CD or DVD (recorded so as to be readable by a computer) and read from the recording medium. You may make it memorize | store in the memory | storage part 82. FIG.

  In the storage unit 82, a store information database (DB) 82a, a user information database (DB) 82b, a payment method information database (DB) 82c, and the like are constructed. It may be provided in a server other than the wallet server 8. FIG. 3A is a diagram showing an example of the contents of the store information database 82a, and FIG. 3B is a diagram showing an example of the contents of the user information database 82b. FIG. 4 is a diagram showing an example of the contents of the payment method information database 82c.

  In the store information database 82a, as shown in FIG. 3 (A), the store ID, password, store name, store contact information, store account information, etc. of the store where the electronic payment system S has been registered for use are stored. Information is stored in association with each store. Here, the store ID and password are used for authentication processing such as login to the wallet server 8. The store contact information includes the store address, telephone number, e-mail address, and the like. Further, the store account information includes an account number of an account (store account) into which a payment amount related to provisional settlement is transferred, a financial institution ID for identifying a financial institution managing the account, and the like. The information stored in the store information database 82a is stored in response to a setting request from the store terminal 2 that has accessed the wallet server 8 in response to an operation of a store clerk at each store, for example.

  In the user information database 82b, as shown in FIG. 3B, the user ID, password, user name, user contact information, card of the user owned by the user who registered for use of the electronic payment system S are stored. Information such as a number or the like (in the case of a credit card number, the user's name and the expiration date of the credit card may be included) is stored in association with each user. Here, the user ID and password are used for authentication processing such as login to the wallet server 8. The user's contact information includes the user's address, telephone number, e-mail address, and the like. In the example of FIG. 3B, the user a (user ID: U0001) owns one electronic money card, one credit card, one point card, and one debit card. User b (user ID: U0002) owns two electronic money cards, one credit card, and one debit card. User c (user ID: U0003) owns one electronic money card, one credit card, and one debit card. Note that the information stored in the user information database 82b is stored in response to a setting request from the user terminal 1 that has accessed the wallet server 8 in response to an operation of each user, for example.

  In the payment method information database 82c, as shown in FIG. 4, the user ID of the user who registered for use of the electronic payment system S, the payment method that can be used by the user (for example, the payment type ID for identifying the payment method) It may also be a character string), information such as available amount, deposit / withdrawal history, allocation availability, allocation priority, etc. are associated with each user and stored. In the example of FIG. 4, the user ID “U0001” is associated with electronic money payment, credit payment, point payment, and immediate withdrawal payment as payment methods available to the user a. In addition, for user ID “U0002”, electronic money payment 1 (for example, stored electronic money payment), electronic money payment 2 (for example, server-type electronic money payment), credit payment are available as payment methods available to user b. , And immediate withdrawal settlement. The user ID “U0003” is associated with electronic money payment, credit payment, and immediate withdrawal payment as payment methods that can be used by the user c.

  Further, the available amount and the deposit / withdrawal history shown in FIG. 4 are an example of information on a settlement method that can be used by the user. The balance of electronic value corresponds to the available amount associated with electronic money settlement. The deposit / withdrawal date in the deposit / withdrawal history associated with the electronic money settlement corresponds to the use date (withdrawal date) included in the usage history data and the charge date (withdrawal date) included in the charge history data. . The deposit / withdrawal amount in the deposit / withdrawal history associated with the electronic money settlement includes the usage amount included in the usage history data (withdrawal amount: represented by-(minus) in the example of FIG. 4) and the charge history data. Charge amount (deposit amount: represented by + (plus) in the example of FIG. 4). The electronic value balance, usage history data, and charge history data are sent from the first electronic money management server 3 or the second electronic money management server 4 at a predetermined timing (for example, periodically) using, for example, a user ID or an electronic money card number as a key. (For example, every day) and stored in the settlement method information database 82c. Further, when the electronic money payment is made by provisional payment (that is, reimbursement by the wallet server 8), the usage date and the usage amount are stored in the payment method information database 82c.

  On the other hand, in credit settlement, the credit limit and the balance of the withdrawal account are associated with the available amount, and the available amount corresponds to the amount obtained by subtracting the current month's usage from the credit limit. For example, the deposit / withdrawal amount “¥ 82,000” with the user ID “U0001” and the deposit / withdrawal date “2016/1/2” associated with the credit settlement is the usage amount (as of January 22, 2016). The usage date (settlement date) included in the usage history data corresponds to the deposit / withdrawal date in the usage history associated with credit settlement (in the example of FIG. 4, it is referred to as deposit / withdrawal history for convenience). The deposit / withdrawal amount in the usage history associated with the credit settlement corresponds to the usage amount (settlement amount) included in the usage history data. The credit limit, the balance of the withdrawal account, the withdrawal date (in the example of FIG. 4, the withdrawal date of the usage amount for January), the usage history data, and the charge history data are, for example, a user ID or a credit card number as a key. It is acquired from the credit card management server 5 at a predetermined timing (for example, periodically (for example, every day)) and stored in the payment method information database 82c. Further, when the credit payment is made by provisional payment, the usage date and the usage amount are stored in the payment method information database 82c.

  On the other hand, the remaining point number (balance) corresponds to the available amount associated with the point settlement (point settlement usable amount). The deposit / withdrawal date in the deposit / withdrawal history associated with the point settlement corresponds to the use date (withdrawal date) included in the usage history data and the acquisition date (withdrawal date) included in the acquisition history data. The deposit / withdrawal amount associated with the point settlement includes the amount (debit amount) converted from the number of used points included in the usage history data into currency at the specified conversion rate, and the acquisition included in the acquisition history data. It corresponds to the amount (deposit amount) converted from the number of points into currency at a predetermined conversion rate. The remaining number of points, usage history data, and acquisition history data are acquired from the point management server 6 at a predetermined timing (for example, regularly (for example, every day)) using, for example, a user ID or a point card number as a key, and settled. It is stored in the method information database 82c. Further, when the point settlement is made by provisional settlement, the use date and the amount used are stored in the settlement method information database 82c.

  On the other hand, the balance included in the user account information corresponds to the available amount (available amount for immediate withdrawal settlement) associated with the immediate withdrawal settlement. The withdrawal date in the deposit / withdrawal history associated with the immediate withdrawal settlement corresponds to the use date (withdrawal date) included in the usage history data and the transfer date (payment date) included in the transfer history data. . The deposit / withdrawal amount in the deposit / withdrawal history associated with the immediate withdrawal settlement corresponds to the use (withdrawal amount) included in the usage history data and the transfer amount (deposit amount) included in the transfer history data. The account balance, usage history data, and transfer history data are acquired from the account management server 7 at a predetermined timing (for example, periodically (for example, every day)) using, for example, a user ID or a debit card number as a key.

  4 is an example of information on a settlement method that can be used by the user, and is an allocation candidate for a payment amount that has been provisionally settled (that is, a candidate that is used for actual settlement after provisional settlement). Is shown for each payment method available to the user. Further, when the point settlement is made by provisional settlement, the use date and the amount used are stored in the settlement method information database 82c. Whether or not allocation is possible can be arbitrarily selected by each user, and is updated in response to a setting request from the user terminal 1 that has accessed the wallet server 8 in response to a user operation, for example. Further, the allocation priority shown in FIG. 4 is an example of information on a payment method that can be used by the user, and indicates an order in which the payment is made preferentially among the allocation candidates of the temporarily paid payment amount. The higher the priority, the higher the payment amount is assigned. Note that the priority of allocation can be arbitrarily specified by each user, and is updated in response to a setting request from the user terminal 1 that has accessed the wallet server 8 in accordance with a user operation, for example.

  The system control unit 83 (an example of a computer in the present invention) includes a CPU (Central Processing Unit) 83a (processor), a ROM (Read Only Memory) 83b, a RAM (Random Access Memory) 83c, etc., and is used for settlement on the OS. Run the program. FIG. 5 is a diagram showing the connections between the components of the electronic payment system S and the functional blocks of the system control unit 83 of the wallet server 8. As shown in FIG. 5, the system control unit 83 (processor in the system control unit 83) executes the settlement program, so that an ID acquisition unit 831, a provisional settlement unit 832, a balance shortage detection unit 833, and an amount allocation unit 834, the actual settlement unit 835, and the like. The ID acquisition unit 831 is an example of an acquisition unit in the present invention. The temporary settlement unit 832 is an example of a first settlement unit in the present invention. The balance shortage detection unit 833 is an example of a detection unit in the present invention. The amount allocation unit 834 is an example of an allocation unit in the present invention. The actual settlement unit 835 is an example of a second settlement unit in the present invention.

  The ID acquisition unit 831 acquires a user ID of a user who seeks settlement for a transaction target, for example, from the user terminal 1 via the store terminal 2. In addition, when a store (a so-called virtual store) and a user conduct a transaction on a predetermined website (for example, a shopping mall site), the ID acquisition unit 831 receives the transaction from the server of the website. You may acquire the user ID of the user who asks for settlement.

  The temporary settlement unit 832 is a plurality of settlement methods that can be used by the user of the user terminal 1, and is designated by the user among a plurality of settlement methods associated with the user ID acquired by the ID acquisition unit 831. The settlement amount is temporarily settled by the settlement method. In other words, the provisional settlement unit 832 transmits a provisional settlement OK message to the store terminal 2 and executes a process for paying the transaction target payment amount to the store that conducts the transaction with the user who requests settlement for the transaction target. Here, the provisional settlement may be interpreted to mean that a provisional settlement OK message is transmitted to the store terminal 2, or the provisional settlement OK message is received when the store terminal 2 is received. It may be interpreted that this means that sales of the payment amount are recorded. Alternatively, provisional settlement may be interpreted as that the payment amount is paid to the store, a provisional settlement OK message is transmitted to the store terminal 2, and the payment amount is sent to the store. May be taken to mean being paid. The provisionally settled payment amount is settled when the actual settlement execution date arrives. In the following description, it is assumed that the payment amount to be traded is provisionally settled by credit settlement, which is the first settlement method among a plurality of settlement methods that can be used by the user.

  The balance shortage detection unit 833 determines whether the balance of the withdrawal account associated with the credit settlement is based on the credit settlement usage history associated with the user ID acquired by the ID acquisition unit 831 and the balance of the withdrawal account. Detect that there may be a shortage. Here, the shortage detection of the balance of the withdrawal account when the withdrawal date is 2016/2/26 and the detection time is 2016/1/22 0:00 will be specifically described with reference to FIG. In FIG. 4, the usage history (credit usage history) associated with the user ID “U0001” and the credit settlement is ¥ 82,000 in 2016/1/22 (use by provisional settlement). On the other hand, since it is possible to specify that \ 3,000 is used on the 29th of each month and \ 30,000 is used on the 30th, the balance shortage detection unit 833 is between 2016/1/22 and 2016/2/26. \ 33,000 is predicted to be used, and \ 115,000 is added to \ 82,000 that has already been used, and \ 115,000 is specified as the estimated withdrawal amount (withdrawal amount for January). As a result, the estimated withdrawal amount \ 115,000 exceeds the balance of the withdrawal account \ 100,000. For this reason, the balance shortage detection unit 833 detects that there is a possibility that the balance of the withdrawal account associated with the credit settlement is insufficient.

  The amount allocation unit 834 uses credit settlement associated with the user ID acquired by the ID acquisition unit 831 when the balance shortage detection unit 833 detects that the balance of the withdrawal account may be insufficient. Based on the history, a part or all of the amount temporarily paid by credit settlement is a second settlement method different from credit settlement, and is associated with the user ID. Allocate to payment method. Thereby, it is possible to allocate the payment amount temporarily settled without imposing a burden on the user. The payment amount may be allocated to one settlement method, or may be divided and allocated to a plurality of settlement methods.

  FIG. 6 is a diagram showing an example of allocation of the payment amount. In the example of FIG. 6A, since the allocation priority is associated with each settlement method, a shortage predicted amount that is a part of the tentatively settled payment amount can be used by the user a. The payment methods are divided and allocated in accordance with the allocation priority level designated in advance by the user a. Thereby, allocation according to a user's intention can be performed, without burdening a user with a part of payment amount settled temporarily. More specifically, in FIG. 4, it is possible to specify that ¥ 100,000 has been withdrawn on the 29th of every month from the deposit / withdrawal history associated with the user ID “U0001” and the immediate withdrawal settlement. Here, assuming that the actual settlement execution date is January 31, 2016, a withdrawal of ¥ 100,000 is expected between January 22, 2016 and January 31, 2016. For this reason, the amount allocation unit 834 identifies the amount to be paid out between 2016/1/22 and 2016/1/31 as the amount that should be left without using it (the amount that must be left for the user) Then, the remaining amount \ 10,000 obtained by subtracting the withdrawal amount \ 100,000 from the available amount (account balance) \ 110,000 associated with the immediate debit settlement is calculated as the credit ground amount. In the example of FIG. 6A, the available amount associated with each of the electronic money settlement and the point settlement is calculated as it is as the credit ground amount. The amount allocation unit 834 then calculates \ 15,000, which is the estimated withdrawal amount \ 115,000 minus the balance of the withdrawal account \ 100,000, as the lack forecast amount. Among the forecast shortage amount \ 15,000, first, the allocation priority is 1 \ 10,000 will be allocated for immediate withdrawal settlement. That is, the allocation amount divided from the estimated shortage amount of ¥ 15,000 is allocated to the immediate withdrawal settlement so that the credit basis amount of the immediate withdrawal settlement is less than or equal to ¥ 10,000. Thereby, allocation with higher accuracy (high reliability) can be performed. Next, the remaining allocation amount \ 5,000 is allocated to the point settlement with the second highest allocation priority. Then, the amount allocating unit 834 calculates an amount of ¥ 67,000 obtained by subtracting the estimated shortage amount of ¥ 15,000 from the amount of payment of 82,000 provisionally settled by credit settlement as a corrected provisional settlement amount that is actually settled by credit settlement.

  On the other hand, in the example of FIG. 6B, each settlement method has no allocation priority. A part of the tentative payment amount is determined by user b as a candidate to be used for actual payment from among a plurality of payment methods (electronic money payment 1, electronic money payment 2, and immediate withdrawal payment) that can be used by user b. A plurality of selected payment methods (electronic money payment 1, electronic money payment 2, and immediate withdrawal payment) are divided and allocated. More specifically, in FIG. 4, from the deposit / withdrawal history associated with the user ID “U0002” and immediate withdrawal settlement, ¥ 120,000 is deposited on the 25th of every month, and ¥ 100,000 is withdrawn on the 29th. Therefore, a deposit of ¥ 20,000 is expected between 2016/1/22 and 2016/1/31. For this reason, the amount allocation unit 834 identifies the amount of money \ 20,000 between 2016/1/22 and 2016/1/31 as the amount that is expected to be available, and uses it associated with immediate withdrawal settlement. Estimated amount \ 20,000, which is the possible amount (account balance) \ 0 plus the deposit amount \ 20,000, is calculated as the credit ground amount. In the example of FIG. 6B, the available amount associated with each of the electronic money settlement 1 and the electronic money settlement 2 is calculated as it is as the credit ground amount. Then, the estimated shortage amount of ¥ 30,000 is divided at a rate corresponding to the credit ground amount of each of electronic money settlement 1, electronic money settlement 2, and immediate withdrawal settlement, and the divided allocation amount ¥ 10,000 is divided into electronic money settlement 1. The divided allocation amount \ 10,000 is allocated to the electronic money settlement 2 and the divided allocation amount 10,000 is allocated to the immediate debit settlement. In this way, a part of the tentatively settled payment amount is allocated to the three settlement methods selected by the user b. Note that a part of the temporarily paid payment amount may be allocated to some of the three payment methods selected by the user b (for example, the top two payment methods with the largest available amounts). Further, in the example of FIG. 6B, the corrected temporary settlement amount is the amount of ¥ 20,000 obtained by subtracting the estimated shortage amount of ¥ 30,000 from the payment amount of 50,000 provisionally settled by credit settlement.

  On the other hand, in the example of FIG. 6C, the user c is selected as a candidate to be used for actual payment from among a plurality of payment methods (electronic money payment 1, credit payment, and immediate withdrawal payment) that can be used by the user c. The shortage forecast amount of \ 30,000 is allocated to the immediate withdrawal settlement. Then, the corrected preliminary settlement amount is the amount of ¥ 20,000 obtained by subtracting the estimated shortage amount of ¥ 30,000 from the payment amount of provisional settlement by credit settlement.

  In any of the examples in FIGS. 6A to 6C, a part of the payment amount tentatively settled by credit settlement is assigned to the second settlement method, but is tentatively settled by credit settlement. Alternatively, the entire payment amount may be allocated to the second settlement method. In this case, for example, in the example of FIG. 6A, if the user ID “U0001” and the credit basis amount of the immediate withdrawal settlement are ¥ 70,000, the amount allocation unit 834 makes the payment provisionally settled by credit settlement. The amount \ 82,000 is identified as the shortage forecast amount, out of the shortage forecast amount \ 82,000, \ 70,000 is allocated to immediate withdrawal settlement, \ 5,000 is allocated to point settlement, and \ 7,000 is allocated to electronic money settlement. In this case, the corrected provisional settlement amount that is actually settled by credit settlement is \ 0.

  By the way, when all or part of the tentative payment amount is allocated to stored electronic money payment, the balance of electronic value is stored in the non-volatile memory of the electronic money card. In some cases, the electronic value is used for payment by the user, and the allocated amount cannot be used for actual payment. For this reason, the amount allocation unit 834 may be configured to allocate to the stored electronic money settlement only when the charged value of the electronic value of the stored electronic money is managed by the wallet function described above or more than the allocated amount. .

  In the above example, the amount allocating unit 834, when the balance shortage detecting unit 833 detects that there is a possibility that the balance of the withdrawal account is insufficient, a part of the payment amount provisionally settled by credit settlement Alternatively, the entire amount is allocated to the second settlement method different from the credit settlement, but the amount allocating unit 834 is based on the credit settlement available amount and usage history associated with the user ID. , Determine whether there is a possibility that the available amount will be insufficient, and if it is determined that there is a possibility that the amount will be insufficient, You may comprise so that it may allocate to the 2nd payment method different from credit payment.

  When the actual settlement execution date arrives, the actual settlement unit 835 uses the second settlement method in which a part or all of the amount temporarily paid by credit settlement is allocated by the amount allocation unit 834 To make a real settlement. More specifically, the actual settlement unit 835 includes the user ID of the target user to which the allocated amount is allocated to any of the management servers 4, 6 and 7 corresponding to the settlement method to which the allocated amount is allocated, A settlement method to which the allocated amount is allocated and a settlement request including the allocated amount are transmitted via the network NW. If the corrected provisional settlement amount actually settled by credit settlement is not \ 0, the actual settlement unit 835 sends the credit card management server 5 to the user ID of the target user whose payment amount has been modified, and the corrected provisional settlement amount. A payment request including is transmitted via the network NW. When an allocated amount is allocated to stored electronic money settlement, the allocated amount is reduced from the charged amount managed in association with the user ID of the user by the wallet function.

[2. Operation of electronic payment system S]
Next, the operation of the electronic payment system S according to this embodiment will be described.

(2-1. Operation at the time of allocation availability and priority setting)
First, with reference to FIG. 7 etc., the operation at the time of allocation availability and priority setting will be described. FIG. 7 is a sequence diagram illustrating a processing example of the user terminal 1 and the wallet server 8 when allocation is possible and priorities are set.

  For example, after the user-side temporary settlement program is activated on the user terminal 1 of the user a and accesses the wallet server 8 to complete the login, the control unit 11 displays a menu (not shown) displayed on the operation / display unit 13. When the user a accepts the setting start button specification, the acquisition request is transmitted to the wallet server 8 via the network NW (step S1). This acquisition request includes the user ID of the user a, for example.

  Next, when the system control unit 83 of the wallet server 8 receives the acquisition request from the user terminal 1, the settlement method information database 82c determines whether or not the allocation is possible for each settlement method associated with the user ID of the user a. (Step S2). For example, whether or not allocation is possible is set to “No” in the initial state before setting, and the priority of allocation is set to “None” in the initial state before setting. Next, the system control unit 83 of the wallet server 8 transmits data including the possibility of allocation and the priority order for each payment method acquired in step S2 to the user terminal 1 via the network NW (step S3).

  Next, when the control unit 11 of the user terminal 1 receives data including the allocation availability and priority from the wallet server 8, the control unit 11 stores the allocation availability and priority and displays the allocation availability setting screen on the operation / display unit 13. Display (step S4). FIG. 8 is a diagram illustrating a display example of an allocation availability setting screen on the user terminal 1. In the allocation availability setting screen shown in FIG. 8, a check box 51 for selecting whether allocation of payment methods that can be used by the user a and an input for specifying the priority order of payment methods that can be used by the user a are performed. A column 52 and a setting button 53 are provided.

  In such a display state, the user a can check (select) all or part of the check box 51. When the control unit 11 receives a check in the check box 51 (step S5: YES), the control unit 11 updates the allocation of the checked settlement method to “permitted” (step S6). Although not shown, when the check box 51 is unchecked, the allocation of the settlement method is updated to “No”. In addition, the user a can input (designate) priority (numerical values) in all or part of the input field 52. When receiving an input to the input field 52 (step S7: YES), the control unit 11 updates the original priority to the input priority (step S8). And control part 11 will transmit a setup request to wallet server 8 via network NW, if specification of setup button 53 by user a is received (Step S9: YES) (Step S10). This setting request includes the updated allocation availability and priority, and the user ID of user a.

  Next, when receiving the setting request from the user terminal 1, the system control unit 83 of the wallet server 8 stores the setting request in the payment method information database 82c based on the allocation availability and the priority order included in the received setting request. The allocation availability and priority for each settlement method associated with the user a's user ID and the priority are updated (set to the latest) (step S11).

(2-2. Operation at the time of temporary settlement by credit settlement)
Next, the operation at the time of provisional settlement will be described with reference to FIG. FIG. 9 is a sequence diagram illustrating a processing example of the user terminal 1, the store terminal 2, and the wallet server 8 at the time of provisional settlement by credit settlement. For example, when a user a who seeks credit settlement for a transaction target provided at a store activates the user side temporary settlement program of the user terminal 1 carried by the user at the cash register of the store, the user terminal 1 Short-distance wireless communication is started with the store terminal 2 in which the provisional settlement program is activated (step S21). At this time, the above-described allocation availability and priority setting may be performed. Next, when the control unit 11 of the user terminal 1 receives a provisional settlement instruction by credit settlement from the operation / display unit 13 by the user a (step S22: YES), the control unit 11 acquires a user ID from the storage unit 12 (step S23). . Next, the control unit 11 of the user terminal 1 transmits a provisional settlement request by credit settlement to the store terminal 2 via the short-range wireless communication unit 15 (step S24). This provisional settlement request includes the user ID acquired in step S23.

  Next, when receiving the provisional settlement request from the user terminal 1, the control unit 21 of the store terminal 2 acquires a user ID from the provisional settlement request (Step S25). Note that the user a may present a credit card owned by the user a to a store clerk. In this case, information such as a credit card number stored in the credit card is read by the reader / writer RW and acquired by the store terminal 2. In this case, the provisional settlement request transmitted from the user terminal 1 may not include the user ID. When information such as a credit card number is stored in the user terminal 1, the control unit 11 of the user terminal 1 sends a provisional settlement request including information such as a credit card number via the short-range wireless communication unit 15. May be transmitted to the store terminal 2 (in this case, it is not necessary to present a credit card).

  Next, the control unit 21 of the store terminal 2 acquires the transaction target payment amount input by the operation of the store clerk (step S26). Next, the control unit 21 of the store terminal 2 acquires a store ID from the storage unit 22 (step S27). Next, the control unit 21 of the store terminal 2 transmits a provisional settlement request by credit settlement to the wallet server 8 via the communication unit 24 and the network NW (step S28). This provisional settlement request includes the user ID acquired in step S25, the payment amount acquired in step S26, and the store ID acquired in step S27. When information such as a card number is acquired from the user terminal 1 or a card, the provisional settlement request includes information such as the card number instead of the user ID.

  Next, when the system control unit 83 (ID acquisition unit 831) of the wallet server 8 receives a provisional settlement request by credit settlement from the store terminal 2, the system control unit 83 (ID acquisition unit 831) obtains a user ID, a payment amount, and a store ID from the provisional settlement request. (Step S29). If the provisional settlement request includes information such as the card number instead of the user ID, the system control unit 83 uses the information such as the card number as a key to change the card number or the like from the user information database 82b. The associated user ID is acquired.

  Next, the system control unit 83 (temporary settlement unit 832) of the wallet server 8 obtains the available amount associated with the user ID acquired in step S29 and associated with the credit settlement from the settlement method information database 82c. Obtain (step S30). Next, the system control unit 83 (provisional settlement unit 832) of the wallet server 8 compares the payment amount acquired in step S29 with the available amount acquired in step S30, and the available amount is determined as the payment amount. It is determined whether or not this is the case (step S31). If the system control unit 83 (provisional settlement unit 832) determines that the available amount is not equal to or greater than the payment amount (step S31: NO), the system control unit 83 (temporary settlement unit 832) sends a provisional settlement NG message to the store terminal 2 via the communication unit 81 and the network NW. Transmit (step S32).

  On the other hand, if the system control unit 83 (temporary settlement unit 832) determines that the available amount is equal to or greater than the payment amount (step S31: YES), the temporary settlement OK message is transmitted to the store terminal via the communication unit 81 and the network NW. 2 (step S33).

  Next, the system control unit 83 (provisional settlement unit 832) sets a scheduled date for execution of actual settlement (step S34). For example, the actual settlement execution date is set to a day within one to three weeks from the current time or the last day of the month including the current time.

  Next, the system control unit 83 (provisional settlement unit 832) obtains the user ID acquired in step S29, the provisional settlement amount (payment amount), the usable amount of the second settlement method whose allocation is possible, Subject to settlement with one record of the usage history of the second settlement method, the priority of allocation of the second settlement method (if set), and the actual settlement execution date set in step S34 Register in the list (step S35).

  Next, the system control unit 83 (provisional settlement unit 832), in the settlement method information database 82c, includes the provisional settlement date and the provisional settlement amount (in the settlement transaction history of the credit settlement associated with the user ID acquired in step S29). (Payment amount) is added, and the available amount for credit settlement is updated (step S36).

  Next, the system control unit 83 (provisional settlement unit 835) changes the payment amount to the store with the store ID acquired in step S29 within a predetermined time (for example, within 24 hours) from the transmission of the provisional settlement OK message. A process for paying is executed (step S37). For example, the system control unit 83 (provisional settlement unit 835) acquires the store account information associated with the store ID acquired in step S29 from the store information database 82a, and makes a payment amount transfer request (store account information, (Including the account number of the account prepared by the operator of the wallet server 8 and the payment amount) is transmitted to the account management server 7 or the financial institution system 9. Thereby, the payment amount is withdrawn from the account (account balance) prepared by the operator of the wallet server 8 and transferred to the account of the store.

  On the other hand, when receiving the provisional settlement OK message from the wallet server 8, the control unit 21 of the store terminal 2 displays the provisional settlement OK on the operation / display unit 13 and records the sales for the transaction target payment amount. Is performed (step S38). Thus, the transaction between the user a and the store is completed.

(2-3. Operation during monitoring of withdrawal account for credit settlement)
Next, with reference to FIG. 10, the operation | movement at the time of monitoring of the withdrawal account of credit settlement is demonstrated. FIG. 10 is a flowchart showing a processing example of the system control unit 83 in the wallet server 8 when monitoring a credit settlement withdrawal account. The process shown in FIG. 10 is repeatedly executed at predetermined time intervals (for example, every 12 hours, 24 hours, or 48 hours), for example. When the process shown in FIG. 10 is started, the system control unit 83 can use the second settlement method in which the user ID, the provisional settlement amount by credit settlement, and the allocation possibility are “possible” from the settlement target list. One record (one record) including the amount, usage history, allocation priority (only when set), and actual settlement scheduled execution date is acquired (step S41).

  Next, the system control unit 83 obtains the balance, withdrawal date, and usage history of the withdrawal account associated with the user ID included in the record obtained in step S41 from the payment method information database 82c (step S42). . Next, the system control unit 83 (balance shortage detection unit 833) calculates the estimated withdrawal amount as described above based on the balance of the withdrawal account, the withdrawal date, and the usage history acquired in Step S42 (Step S43). ).

  Next, the system control unit 83 determines whether or not the estimated withdrawal amount calculated in step S43 exceeds the balance of the credit settlement withdrawal account (step S44). When it is determined that the balance of the credit settlement withdrawal account is not exceeded (step S44: NO), the processing shown in FIG. 10 ends.

  On the other hand, if it is determined that the balance of the credit settlement withdrawal account is exceeded (step S44: YES), the system control unit 83 (balance shortage detection unit 833) may run out of the credit settlement withdrawal account balance. (For example, a balance shortage detection flag is set) (step S45). Next, the system control unit 83 (amount allocation unit 834) calculates a shortage prediction amount by subtracting the balance of the withdrawal account from the withdrawal prediction amount calculated in step S42 (step S46).

  Next, the system control unit 83 (amount allocation unit 834) determines the credit basis amount of the second settlement method based on the available amount and usage history of the second settlement method for which allocation is possible. Calculate (step S47). For example, as described above, the system control unit 83 uses the second settlement method to calculate the amount of money that is expected to be deposited / withdrawn between the time when the credit ground amount is calculated (current time) and the scheduled date of execution of actual settlement. Calculate the credit ground amount that is increased or decreased from the possible amount.

  Next, the system control unit 83 (amount allocation unit 834) determines whether or not the allocation priority of the second settlement method has been acquired in step S41 (step S48). If the system control unit 83 (amount allocation unit 834) determines that the allocation priority of the second settlement method has been acquired (step S48: YES), the process proceeds to step S49. On the other hand, if the system control unit 83 determines that the allocation priority of the second settlement method has not been acquired (step S48: NO), the process proceeds to step S50.

  In step S49, as described above, the system control unit 83 (amount allocation unit 834) includes the predicted shortage calculated in step S46 in the second record included in the record acquired in step S41 as described above. Are assigned to the second settlement method according to the priority of allocation of the settlement method. On the other hand, in step S50, as described above, the system control unit 83 (amount allocation unit 834) uses the second settlement that is included in the record acquired in step S41 by using the shortage predicted amount calculated in step S46. Allocate to method. When there are a plurality of settlement methods, the system control unit 83 (amount allocation unit 834) divides the predicted shortage amount at a ratio corresponding to the credit basis amount of each of the second settlement methods, and the second settlement. Allocate to method.

  Next, the system control unit 83 calculates a corrected provisional settlement amount by subtracting the predicted shortage amount from the provisional settlement amount included in the record acquired in step S41 (step S51). Next, the system control unit 83 updates the content of the record acquired in step S41 and registers it in the settlement target list (step S52). That is, the system control unit 83 assigns the contents of the record acquired in step S41 to the second settlement method allocated to the shortage estimated amount in step S49 or step S50, and the allocation allocated to the second settlement method. The amount, the corrected provisional settlement amount by credit settlement calculated in step S51, and the actual settlement execution date are updated and registered in the settlement target list.

  Next, the system control unit 83 determines whether there is a record that has not been acquired in step S41 (step S53). When there is a record that has not yet been acquired (step S53: YES), the system control unit 83 returns to step S41, acquires a record that has not yet been acquired, and performs the processing after step S42 in the same manner as described above. . On the other hand, when there is no record that has not been acquired (step S53: NO), the processing illustrated in FIG. 10 ends. With the processing of FIG. 10, the balance of the credit settlement withdrawal account is monitored, and when it is detected that there is a possibility that the balance is insufficient, the allocation to the second settlement method can be automatically performed.

  When the record is updated in step S52, the system control unit 83 assigns the allocation date in the deposit / withdrawal history of the second settlement method associated with the user ID in the record in the settlement method information database 82c. And the allocation amount are added, the available amount of the second settlement method is updated, and the provisional settlement amount in the credit settlement history associated with the user ID is updated to the corrected provisional settlement amount. At the same time, the available credit settlement amount may be updated. In addition, the system control unit 83 may transmit a usage lock request to the management server corresponding to the second settlement method to which the allocated amount is allocated via the network NW.

(2-4. Operation during actual settlement)
Next, the operation at the time of actual settlement will be described with reference to FIG. FIG. 11 is a sequence diagram illustrating a processing example of the wallet server 8 and the management servers 4 to 7 at the time of actual settlement. For example, at a preset time (for example, every day at midnight), the system control unit 83 determines whether or not a record for which an actual settlement execution scheduled date has arrived is registered in the settlement target list (step S1). S61). If the system control unit 83 determines that the record for which the scheduled date of execution of actual payment has arrived is registered in the payment target list (step S61: YES), the system control unit 83 advances the process to step S62. On the other hand, if the system control unit 83 determines that the record on which the scheduled date of execution of actual settlement has arrived is not registered in the settlement target list (step S61: NO), the process ends.

  In step S62, the system control unit 83 acquires one record on which the scheduled date of execution of actual settlement has arrived. Next, the system control unit 83 determines whether or not the provisional settlement amount by credit settlement has been corrected (step S63). That is, it is determined whether or not the provisional settlement amount has been corrected by the processing of FIG. If the system control unit 83 determines that the provisional settlement amount by credit settlement has not been corrected (step S63: NO), the system control unit 83 advances the process to step S64. On the other hand, if the system control unit 83 determines that the provisional settlement amount by credit settlement has been corrected (step S63: YES), the system control unit 83 advances the process to step S67.

  In step S64, the system control unit 83 (actual settlement unit 835) transmits a settlement request (including the user ID and provisional settlement amount in the record acquired in step S62) to the credit card management server 5 via the network NW. To do.

  Upon receiving the settlement request from the wallet server 8, the credit card management server 5 makes a credit inquiry as to whether credit settlement is possible (step S65). For example, the expiration date has not passed and the settlement request If the provisional settlement amount included in the transaction does not exceed the usable amount associated with the user ID included in the settlement request (if the provisional settlement amount exceeds the usable amount, credit settlement is performed) The credit approval OK message is returned to the wallet server 8 (step S66), and the wallet server 8 receives the credit approval OK message.

  When the wallet server 8 receives a credit approval OK message, credit settlement is performed. That is, the billing data for charging the tentative settlement amount (including the user ID in the record acquired in step S62, the account number of the account prepared by the operator of the wallet server 8, and the tentative settlement amount) is the credit card management server. 5, and further, a fund transfer request is transmitted from the credit card management server 5 to the financial institution system 9. Thereby, the provisional settlement amount is withdrawn from the account (deposit balance of the account) of the advance payment broker (for example, a credit card company) and is operated by the operator of the wallet server 8 (may be the same as the cash advance broker). Transfer money to the prepared account. Thereafter, the provisional settlement amount and fee are deducted from the user's account.

  When the wallet server 8 receives the payment completion message from the credit card management server 5, the actual payment is completed. At this time, the record acquired in step S62 is deleted from the settlement target list.

  On the other hand, in step S67, the system control unit 83 (actual settlement unit 835) transfers to the management server (management servers 4 and 6-7 in the example of FIG. 11) corresponding to the second settlement method to which the allocated amount is allocated. A settlement request (including the user ID and allocation amount in the record acquired in step S62) is transmitted via the network NW. If the corrected provisional settlement amount by credit settlement is not \ 0, the system control unit 83 (actual settlement unit 835) makes a settlement request to the credit card management server 5 (the user ID and the modification provisional in the record acquired in step S62). (Including the payment amount) is transmitted via the network NW.

  When the second electronic money management server 4 receives the payment request from the wallet server 8, the balance of the electronic value associated with the user ID included in the payment request is equal to or greater than the allocated amount (note that the electronic value If the balance is less than the allocation amount, server-type electronic money settlement is not performed), and processing for reducing the balance of the electronic value by the allocation amount (settlement processing) is performed (step S68). Next, the second electronic money management server 4 returns a payment completion message to the wallet server 8 (step S69), and the wallet server 8 receives the payment completion message.

  On the other hand, when the point management server 6 receives the settlement request from the wallet server 8, the remaining point number associated with the user ID included in the settlement request is equal to or more than the number of points obtained by converting the allocation amount at a predetermined conversion rate. (If the number of remaining points is less than the number of points, point settlement will not be performed). Decrease the number of remaining points (that is, reduce the allocated amount by the point converted by the predetermined conversion rate) ) Process (settlement process) is performed (step S70). Next, the point management server 6 returns a settlement completion message to the wallet server 8 (step S71), and the wallet server 8 receives the settlement completion message.

  On the other hand, when the account management server 7 receives the settlement request from the wallet server 8, the balance of the user's account associated with the user ID included in the settlement request is equal to or greater than the allocation amount (the balance is allocated). If the amount is less than the amount, immediate withdrawal settlement is not performed), the allocation amount transfer request (the user ID included in the settlement request, the account number of the account prepared by the operator of the wallet server 8, and the allocation amount) Including) is transmitted to the financial institution system 9 (step S72). Thereby, the allocation amount is deducted from the user's account (account balance) and transferred to the account prepared by the operator of the wallet server 8. Next, the account management server 7 returns a settlement completion message to the wallet server 8 (step S73), and the wallet server 8 receives the settlement completion message.

  As described above, when the wallet server 8 receives the payment completion message from all the management servers (the management servers 4 to 7 in the example of FIG. 11) to which the payment request is transmitted, the actual payment is completed. To do. At this time, if the record acquired in step S62 is deleted from the settlement object list, and another record for which the actual settlement execution date has arrived is registered in the settlement object list, the step is performed for the other record. The process after S62 is performed.

  The system control unit 83 transmits a usage lock release request (including the user ID and allocation amount in the record acquired in step S62) to the management server that has transmitted the usage lock request via the network NW.

  As described above, according to the above-described embodiment, the system control unit 83 provisionally settles the payment amount of the transaction target by the first settlement method that is a credit settlement that can be used by a user who seeks settlement for the transaction target. Thereafter, based on the usage history of the first settlement method, a part or all of the amount of payment temporarily provisionally settled by the first settlement method is different from the first settlement method. Since all or part of the payment amount provisionally settled by the first settlement method is actually settled by the allocated second settlement method, the user can It is possible to avoid the shortage of the balance of the withdrawal account used for credit settlement while reducing the burden on the customer.

  In the above embodiment, the payment amount provisionally settled by credit settlement is allocated to the second settlement method. However, as another example, actual settlement by credit settlement (that is, to the credit card management server 5). A credit inquiry is performed in response to the transmitted payment request, and a payment amount that has been settled by being approved by the credit inquiry may be allocated to the second payment method.

  In the above embodiment, when the system control unit 83 of the wallet server 8 executes the settlement program, the ID acquisition unit 831, provisional settlement unit 832, balance shortage detection unit 833, amount allocation unit 834, and actual settlement The unit 835 is configured to function. However, the control unit 11 of the user terminal 1 may function as all or part of the balance shortage detection unit 833 and the amount allocation unit 834. For example, the control unit 11 of the user terminal 1 uses the user ID as a key for each piece of information of a plurality of payment methods that can be used by the user (for example, available amount, balance of withdrawal account, withdrawal date, and deposit / withdrawal history). Are acquired from the wallet server 8 via the network NW at predetermined intervals. As described above, the control unit 11 of the user terminal 1 determines a part or all of the payment amount provisionally settled by credit settlement based on the acquired information of the plurality of settlement methods. Allocate to a second settlement method different from credit settlement. Then, the control unit 11 of the user terminal 1 performs actual settlement by transmitting the user ID, the allocated amount allocated to the second settlement method, and the like to the wallet server 8.

  Alternatively, the control unit 21 of the store terminal 2 may be configured to function as all or part of the balance shortage detection unit 833, the amount allocation unit 834, and the actual settlement unit 835. For example, the control unit 21 of the store terminal 2 uses, for example, the user ID acquired from the user terminal 1 as a key, each information of a plurality of payment methods that can be used by the user (for example, the available amount, the balance of the withdrawal account) , Withdrawal date and deposit / withdrawal history) are acquired from the wallet server 8 via the network NW at predetermined intervals. As described above, the control unit 21 of the store terminal 2 determines a part or all of the payment amount provisionally settled by the credit settlement based on the acquired information of the plurality of settlement methods. Allocate to a second settlement method different from credit settlement. Then, the control unit 21 of the store terminal 2 transmits the user ID, the allocation amount allocated to the second settlement method, and the like to the wallet server 8 for actual settlement.

DESCRIPTION OF SYMBOLS 1 User terminal 2 Store terminal 3 1st electronic money management server 4 2nd electronic money management server 5 Credit card management server 6 Point management server 7 Account management server 8 Wallet server 81 Communication part 82 Storage part 83 System control part 831 ID acquisition part 832 Temporary payment unit 833 Balance shortage detection unit 834 Amount allocation unit 835 Actual payment unit NW Network S Electronic payment system

In order to solve the above problem, the invention according to claim 1 is an acquisition means for acquiring identification information of a user who seeks payment for a transaction object, and a plurality of payment methods that can be used by the user, wherein the identification information By executing a process for reimbursing the transaction target payment amount to the store that conducts the transaction with the user by a first settlement method that is a credit settlement among the plurality of settlement methods associated with A first settlement means for provisional settlement of the payment amount of the transaction object, and a balance of a withdrawal account associated with the first settlement method associated with the identification information or use of the first settlement method and the amount available, the based on the use history of the first settlement method, the amount of some or all of the first settlement provisional settlement has been the payment amount according to the method, the first settlement method Some of the different second and allocation means allocating to the second payment method a payment method associated with the identification information, the first settlement provisional settlement has been the payment amount according to the method Or a second settlement unit that settles the entire amount by the allocated second settlement method.

According to a second aspect of the present invention, in the information processing system according to the first aspect, the previous first payment method is based on a usage history of the first payment method associated with the identification information. When further comprising a detecting means for detecting that there is a possibility that the balance of the associated withdrawal account is insufficient, and the allocating means is detected by the detecting means that the balance may be insufficient A part or all of the payment amount temporarily provisionally settled by the first settlement method is allocated to the second settlement method.

According to a third aspect of the present invention, in the information processing system according to the first or second aspect, the allocating means is a part or all of the amount of the payment that has been provisionally settled by the first settlement method. Are assigned according to the priority order designated in advance by the user among the plurality of second settlement methods.

According to the present invention, allocation with higher accuracy (high reliability) can be performed. According to a fifth aspect of the present invention, in the information processing system according to any one of the first to fourth aspects, the first settlement unit performs a temporary settlement OK message in the process for paying the payment amount in exchange. Is transmitted to a terminal of a store that conducts a transaction with the user. According to a sixth aspect of the present invention, in the information processing system according to any one of the first to fourth aspects, the first settlement unit performs the first payment in a process for paying the payment amount in turn. A temporary settlement OK message is transmitted to a terminal of a store that conducts a transaction with the user when it is determined that the available amount of the settlement method is equal to or more than the payment amount of the transaction target.

The invention according to claim 7 is an acquisition means for acquiring identification information of a user who seeks payment for a transaction object, and a plurality of payment methods that can be used by the user, the plurality of which are associated with the identification information. The payment amount of the transaction target is temporarily calculated by executing a process for changing the payment amount of the transaction target to the store that performs the transaction with the user by the first settlement method that is credit settlement among the payment methods. A first settlement means for settlement, a balance of a debit account associated with the first settlement method associated with the identification information or an available amount of the first settlement method, and the first based on the use history of the settlement, the amount of some or all of the first settlement provisional settlement has been the amount of payment by the method, wherein the first settlement method in a different second settlement method Wherein the allocation means allocates to the second payment method associated with the identification information, the amount of some or all of the first settlement provisional settlement has been the amount of payment by the method, the allocated I And a second settlement means for performing settlement by the second settlement method.

The invention according to claim 8 is an information processing method executed by one or more computers, wherein an acquisition step of acquiring identification information of a user who seeks settlement for a transaction target, and a plurality of available users A payment method, which is a credit payment among the plurality of payment methods associated with the identification information, and pays the transaction target payment amount to the store that conducts the transaction with the user. A first settlement step for provisional settlement of the transaction target payment amount by executing a process for a balance of a withdrawal account associated with the first settlement method associated with the identification information or and available credit of the first settlement method, the based on the use history of the first settlement method, among the tentative settlement has been the payment amount by the first payment method Allocating a part or all of the amount to a second settlement method that is different from the first settlement method and is associated with the identification information; and the first settlement And a second settlement step in which a part or all of the amount of payment temporarily settled by the method is settled by the allocated second settlement method.

The invention according to claim 9 is an acquisition means for acquiring identification information of a user who seeks payment for a transaction object, and a plurality of payment methods that can be used by the user, and is associated with the identification information. Payment of the transaction object by executing processing for paying the transaction object to the store that conducts the transaction with the first settlement method that is credit settlement among the plurality of settlement methods. A first settlement means for provisional settlement of the amount of money, a balance of the debit account associated with the first settlement method associated with the identification information or an available amount of the first settlement method, based on the use history of the first settlement method, the amount of some or all of the temporary settlement has been the payment amount by the first payment method, different from the first settlement method And allocation means allocates to the associated with the identification information to a second payment second settlement method, some or all of the first settlement provisional settlement has been the payment amount according to the method The amount of money is made to function as a second settlement means for performing settlement by the allocated second settlement method.

Claims (7)

Obtaining means for obtaining identification information of a user seeking settlement for a transaction object;
A plurality of payment methods that can be used by the user and a first payment method that is a credit payment among the plurality of payment methods associated with the identification information; Payment means;
Based on the balance of the withdrawal account associated with the first settlement method associated with the identification information or the available amount of the first settlement method and the usage history of the first settlement method Thus, a part or all of the payment amount settled by the first settlement method is a second settlement method different from the first settlement method and is associated with the identification information. Allocating means for allocating to the second settlement method,
Second payment means for paying a part or all of the payment amount settled by the first settlement method by the allocated second settlement method;
An information processing system comprising: Detection that detects that the balance of the debit account associated with the first settlement method may be insufficient based on the usage history of the first settlement method associated with the identification information Further comprising means,
The allocation means, when it is detected by the detection means that the balance may be insufficient, a part or all of the payment amount settled by the first settlement method, 2. The information processing system according to claim 1, wherein the information processing system is assigned to a second settlement method.   The allocating means determines a part or all of the payment amount settled by the first settlement method according to a priority order designated in advance by the user among the plurality of second settlement methods. The information processing system according to claim 1, wherein the information processing system is allocated.   The allocating means calculates a remaining amount obtained by subtracting an amount that should not be used from the available amount based on a usage history and an available amount of the settlement method included in the information of the second settlement method, and allocates The information processing system according to any one of claims 1 to 3, wherein an amount is allocated to the second settlement method so that an amount is equal to or less than the remaining amount. Obtaining means for obtaining identification information of a user seeking settlement for a transaction object;
A plurality of payment methods that can be used by the user and a first payment method that is a credit payment among the plurality of payment methods associated with the identification information; Payment means;
Based on the balance of the withdrawal account associated with the first settlement method associated with the identification information or the available amount of the first settlement method and the usage history of the first settlement method Thus, a part or all of the payment amount settled by the first settlement method is a second settlement method different from the first settlement method and is associated with the identification information. Allocating means for allocating to the second settlement method,
Second payment means for paying a part or all of the payment amount settled by the first settlement method by the allocated second settlement method;
A server device comprising: An information processing method executed by one or more computers,
An acquisition step of acquiring identification information of a user who seeks settlement for a transaction object;
A plurality of payment methods that can be used by the user and a first payment method that is a credit payment among the plurality of payment methods associated with the identification information; A settlement step;
Based on the balance of the withdrawal account associated with the first settlement method associated with the identification information or the available amount of the first settlement method and the usage history of the first settlement method Thus, a part or all of the payment amount settled by the first settlement method is a second settlement method different from the first settlement method and is associated with the identification information. Allocating to the second settlement method,
A second settlement step in which a part or all of the payment amount settled by the first settlement method is settled by the allocated second settlement method;
An information processing method comprising: Computer
Obtaining means for obtaining identification information of a user seeking settlement for a transaction object;
A plurality of payment methods that can be used by the user and a first payment method that is a credit payment among the plurality of payment methods associated with the identification information; Payment means;
Based on the balance of the withdrawal account associated with the first settlement method associated with the identification information or the available amount of the first settlement method, and the usage history of the first settlement method A part or all of the payment amount settled by the first settlement method is a second settlement method different from the first settlement method and is associated with the identification information. Allocating means for allocating to the second settlement method,
Information that causes a part or all of the payment amount settled by the first settlement method to function as a second settlement unit that settles by the allocated second settlement method Processing program.