JP2018088076A - Settlement system, information processing unit, settlement method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To shorten a wait time in settlement associated with value having monetary value like virtual currency.SOLUTION: A bank server 400 of a settlement system comprises: an external account balance verification unit which verifies value that an external account has; an external account information storage unit which stores the balance of the value in the verified external account; an internal account management unit which manages an internal account in association with the external account; a transaction request reception unit which receives a transaction request to move value from the internal account to another account; a credit unit which compares value based upon the balance of the value of the external account and usable with the internal account as an object of a transaction request with value to be moved at the transaction request, and then imparts credit to the internal account; a value movement request unit which makes a request to move the value of the external account; and a settlement unit which updates the value usable of the internal account as to a transaction that the credit unit imparts the credit.SELECTED DRAWING: Figure 4

Description

  The present invention relates to a payment system, an information processing apparatus, a payment method, and a program.

  Currently, services using virtual currencies different from those issued by the country have been started. The virtual currency is an example of a value having a monetary value, and the virtual currency includes, for example, bitcoin. In the bitcoin payment system, the user requests the transfer of the bitcoin by transmitting the bitcoin address of the transfer source and the bitcoin address of the transfer destination and the number of bitcoins to be transferred to the bitcoin payment system. To do.

  The following Patent Document 1 discloses an advertising system that uses bit coins as described above. In the advertising system disclosed in Cited Document 1, a two-dimensional code indicating a source bitcoin address is printed on an advertisement. Then, the user who has read the two-dimensional code requests the bitcoin settlement system to move the bitcoin from the source bitcoin address indicated by the two-dimensional code to the bitcoin address held by the user.

Japanese Patent Laying-Open No. 2006-081134

  In the bitcoin settlement system disclosed in Patent Document 1 described above, transaction management is performed using a public distributed ledger called a block chain. In the transaction management by the block chain, a transaction record accompanied by the movement of the bit coin between the bit coin addresses is stored in the block, and the movement of the bit coin is managed by verifying the transaction content stored in the block. However, since it takes a long time (for example, 10 minutes) to create a block, a waiting time occurs during settlement.

  Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to reduce the waiting time when a settlement relating to a value having a monetary value such as a virtual currency is performed. New and improved payment system, information processing apparatus, payment method and program are provided.

  In order to solve the above problems, according to an aspect of the present invention, a communication unit that communicates with an external payment system that performs payment related to a value having a monetary value, and the value held by an external account of the external payment system An external account balance verification unit that verifies the external account information, an external account information storage unit that stores the value balance in the external account of the external payment system verified by the external account balance verification unit, and Based on an internal account management unit that manages an internal account in an internal payment system, a transaction request receiving unit that receives a transaction request involving transfer of value from the internal account to another account, and a balance of the value in the external account , Before moving by the transaction request with the value available in the internal account that is the target of the transaction request A credit unit that compares the value and credits the internal account, a value transfer request unit that sends the value transfer request to the external settlement system in the external account, and a transaction credited by the credit unit There is provided a settlement system including a settlement unit that updates the available value in the internal account.

  In addition, the value transfer request unit may make a request to transfer the value to the external settlement system for increasing or decreasing the value of the external account associated with the internal account that is the target of the transaction request.

  Further, the internal account management unit is configured to associate the external account associated with the internal account that is a target of the transaction request stored in the external account information storage unit when the credit unit performs credit for the transaction request. The value related to the transaction request is increased / decreased with respect to the balance, and the available value in the internal account is managed, and the internal account management unit manages the value related to the transaction request as an unsettled value Also good.

  The communication unit receives a transaction record for the value transfer request in the external account performed by the value transfer request unit from the external payment system, and the external account balance verification unit receives from the external payment system. The value possessed by the external account may be verified based on the transaction record, and the settlement unit may process the unsettled value after the verification of the value in the external account is performed.

  The internal account management unit may manage the available value in the internal account based on the unsettled value.

  The external account information storage unit further stores a secret key related to the external account, and the value transfer request unit signs the value transfer request to the external payment system by signing using the secret key. You may go.

  The settlement system further includes an identification information storage unit that stores identification information related to the internal account, and an identification information issue unit that issues the identification information to a user, and the transaction request reception unit includes the identification information May be received, and the internal account that is the target of the transaction request may be specified using the identification information.

  In order to solve the above problems, according to another aspect of the present invention, a communication unit that communicates with an external payment system that performs payment related to a value having a monetary value, and an external account of the external payment system An external account balance verification unit for verifying the value, an external account information storage unit for storing the value balance in the external account of the external payment system, and an internal account in the internal payment system in association with the external account An internal account management unit that performs the transaction request reception unit that receives a transaction request regarding the value between the external accounts, and the internal account that is a target of the transaction request based on the value balance in the external account Credit for the internal account by comparing the value that is transferred by the transaction request A credit transfer unit, a value transfer request unit for requesting transfer of the value in the external account to the external settlement system, and an update of the available value in the internal account for a transaction credited by the credit unit. An information processing apparatus including a settlement unit that performs the processing is provided.

  In order to solve the above problem, according to another aspect of the present invention, communication with an external payment system that performs payment related to a value having a monetary value, and an external account of the external payment system holds Validating the value; storing the balance of the value in the external account of the external payment system obtained by the verification; managing the internal account in the internal payment system in association with the external account; Receiving a transaction request involving the transfer of value from the internal account to another account, and the value available in the internal account that is the target of the transaction request and the value transferred by the transaction request. Performing the credit for the internal account in comparison with the transfer request of the value in the external account And be made to part payment systems, credit has been settlement method comprising, a possible updating of the value available in the internal account with respect to transactions is provided.

  In order to solve the above problem, according to another aspect of the present invention, a processor is caused to communicate with an external payment system that performs payment related to a value having a monetary value, and an external account of the external payment system is Storing the value balance in the external account of the external payment system obtained by the verification, storing the value balance in the external payment system, managing the internal account in the internal payment system in association with the external account, and Receiving the transaction request accompanied by the transfer of the value from the account to another account, comparing the value available in the internal account to be the target of the transaction request and the value transferred by the transaction request to the internal account The value transfer request in the external account is sent to the external settlement system. It was carried out against, for credit has been traded to perform updating of the value available in the internal account, the program is provided.

  As described above, according to the present invention, the waiting time when payment is made for a value having a monetary value such as a virtual currency is reduced.

FIG. 1 is a diagram illustrating an example of a payment system according to the present embodiment. FIG. 2 is a diagram illustrating an example of a payment system according to the present embodiment. FIG. 3 is a diagram illustrating an example of a payment system according to the present embodiment. FIG. 4 is a block diagram showing the configuration of the bank server of this embodiment. FIG. 5 is a diagram showing an account opening process in the settlement system of the present embodiment. FIG. 6 is a diagram showing processing when the user and the store purchase value in the payment system of the present embodiment. FIG. 7 is a diagram illustrating a state of the internal account after the value is purchased in the settlement system of the present embodiment. FIG. 8 is a diagram showing processing when a transaction request is made in the settlement system of the present embodiment. FIG. 9 is a diagram showing the state of the internal account after the transaction request is processed in the settlement system of the present embodiment. FIG. 10 is a diagram showing processing when a value transfer request is made to the external payment system in the payment system of the present embodiment. FIG. 11 is a diagram showing the state of the internal account after the value transfer request is processed in the settlement system of the present embodiment.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In the present specification and drawings, components having substantially the same functional configuration are denoted by the same reference numerals, and redundant description is omitted.

<1. First Embodiment>
FIG. 1 and FIG. 2 are diagrams showing the configuration of the settlement system of the first embodiment. The payment system according to this embodiment includes a user computer 900, a store computer 100, and an external payment system server 200 that provides an external payment system. In the present embodiment, a settlement method when a user purchases a product from a store using a virtual currency will be described. In the following description, the external payment system is assumed to be a payment system using a block chain described later. The virtual currency is an example of a value having a monetary value, and the external settlement system server 200 is an example of an information processing apparatus.

  In the payment system of this embodiment, the user first applies for purchase of a product at a store. At this time, the user computer 900 transmits a purchase application to the store computer 100. Next, the store computer 100 that has received the purchase application from the user computer 900 transmits identification information for identifying the external account of the external settlement system to the user computer 900. The identification information for identifying the external account is, for example, a bit coin address when the external settlement system is bit coin.

  The user computer 900 that has received the identification information for identifying the external account of the store from the store computer 100 broadcasts a transaction request indicating that the value corresponding to the value of the product is transferred from the external account held by the user to the external account of the store. To do. At this time, the user computer 900 uses the private key 10 associated with the external account held by the user to sign and broadcast the transaction request. The external settlement system server 200 receives the transaction request, decrypts the transaction request, and verifies the content of the transaction request.

  In a payment system related to Bitcoin, which is an example of a payment system using virtual currency, a transaction history is managed by a block chain. As shown in FIG. 1, new blocks 21 storing new transaction records 22 are successively created in a chain in association with the block 20 storing the previous transaction records 22. The relationship between the previous block 20 and the new block 21 is managed using a hash value. In FIG. 1, the external settlement system server 200 stores the contents of the transaction request received from the user computer 900 in the new block 21 as the transaction record 22. Then, the external settlement system server 200 that created the new block 21 associates the new block 21 with the previous block 20.

  FIG. 2 is a diagram showing a processing flow of the payment system of this embodiment after the external payment system server 200 creates a new block 21 in FIG. The external settlement system server 200 broadcasts a new block 21 that stores a transaction record 22 indicating the transaction contents between the user and the store.

  The user computer 900 and the store computer 100 that have received the new block 21 including the transaction record 22 verify whether or not the received block 21 is a correct block by using a hash value. Specifically, the user computer 900 and the store computer 100 verify whether or not the hash value included in the received block 21 is the hash value of the previous block 20. If it is determined that the received block 21 is a correct block, the user computer 900 and the store computer 100 verify the transaction record 22 included in the received block 21 and recognize that the payment has been made. The value (100-bit coin in FIG. 2) that is the value of the product is transferred from the user's external account to the store's external account through the above-described processing, and the store delivers the product to the user.

<2. Second Embodiment>
<2-1. Overview of payment system of this embodiment>
The processing of the payment system according to the first embodiment has been described above. Below, the payment system of 2nd Embodiment which is an application example of the payment system of 1st Embodiment is demonstrated. Also in this embodiment, a virtual currency settlement system using a block chain will be described.

  FIG. 3 is a diagram illustrating a configuration of the payment system according to the second embodiment. The payment system according to the second embodiment includes a user card 302, a store card 304, a bank server 400, and an external payment system server 200. The bank server 400 is a server managed by a bank, and provides an internal payment system associated with an external payment system provided by the external payment system server 200, as will be described later. Bank server 400 is an example of an information processing apparatus.

  In an internal payment system provided by a bank, an internal account of a user and a store is managed in association with an external account of the user and the store. The internal account is managed in association with the balance of value in the external account.

  The user card 302 and the store card 304 according to the present embodiment have a storage unit that stores identification information related to the internal account of the internal payment system provided by the bank server 400. Further, the card reader 500 can read identification information relating to the internal account stored in the user card 302 and the store card 304. Then, the card reader 500 transmits to the bank server 400 a transaction request for requesting to process the identification information regarding the read internal account and the transaction details between the user and the store.

  The bank server 400 determines credit based on the received transaction request. Specifically, the bank server 400 performs credit by comparing the value relating to the transaction request with the value available in the user's internal account. If the credit is approved here, the bank server 400 notifies the store of the credit approval. The store delivers the product to the user based on the approval of the credit.

  After the credit is approved, the bank server 400 broadcasts a value transfer request regarding the transaction content for which the credit is approved to the external settlement system server 200. Receiving the value transfer request, the external settlement system server 200 creates a new block 21 for storing the transaction record 22 relating to the transfer request. Then, the external settlement system server 200 broadcasts the created new block 21. Upon receiving the broadcasted new block 21, the bank server 400 verifies the transaction record 22 included in the new block 21 and manages an internal account based on the transaction record 22.

  As described above, in the settlement system of the present embodiment, before the transaction record 22 relating to value transfer is created in the external settlement system (that is, before the new block 21 is created in the external settlement system server 200). Credit is performed by the bank server 400. As a result, the user and the store can quickly make a settlement using a value such as a virtual currency. Further, the user and the store can perform a transaction using virtual currency without managing the information of the external account related to the external settlement system and the secret key 10.

  In this embodiment, the bank that manages the bank server 400 may collect a fee as a usage fee for the managed payment system. This allows the bank to collect a portion of the value being traded as a fee instead of replacing the credit in the external payment system.

<2-2. Bank Server Configuration>
The outline of the settlement system according to the second embodiment has been described above. Below, the structure of the bank server 400 of this embodiment is demonstrated. FIG. 4 is a diagram showing a configuration of the bank server 400 of the present embodiment. The bank server 400 of this embodiment includes a communication unit 402, a transaction request receiving unit 404, a credit / settlement unit 406, an internal account management unit 408, an external account balance verification unit 410, and an external account information storage unit 412. , An identification information storage unit 414, an identification information issuing unit 416, and a value transfer request unit 418.

  The communication unit 402 is used to communicate with the store's card reader 500 and the external settlement system server 200. The transaction request receiving unit 404 is used for receiving a transaction request accompanied by a transfer of value from the internal account to another account from the store. The credit / settlement unit 406 performs credit based on the content of the transaction request received by the transaction request receiving unit 404 and information on the internal account managed by the internal account management unit 408. In addition, the credit / settlement unit 406 updates the available value in the internal account for the credited transaction.

  The internal account management unit 408 manages internal account information based on information from the credit / settlement unit 406 and information from the external account information storage unit 412. The external account balance verification unit 410 verifies the balance of each external account based on the transaction record 22 included in the block received from the external settlement system server 200. The external account information storage unit 412 stores information regarding external accounts. For example, the external account information storage unit 412 stores the value balance held by the external account based on the information from the external account balance verification unit 410. The external account information storage unit 412 stores the secret key 10 for each external account in association with each external account.

  The identification information storage unit 414 stores identification information related to the internal account (for example, the account number of the internal account) and identification information related to the external account (for example, a bitcoin address) in association with each other. The identification information issuing unit 416 issues identification information related to the internal account stored in the identification information storage unit 414. For example, the identification information issuing unit 416 issues information related to the internal account to the user card 302 or the store card 304.

  The value transfer request unit 418 generates a value transfer request for requesting the external payment system to transfer the value of the external account with respect to the credit made by the credit / settlement unit 406.

<2-3. Processing in Payment System of this Embodiment>
The configuration of the bank server 400 in the present embodiment has been described above. Below, the process which each structure in the payment system of this embodiment performs is demonstrated. First, processing from account opening to card issuance in the settlement system of this embodiment will be described.

(Process from account opening to card issuance)
FIG. 5 is a diagram showing processing from account opening to card issuance in the settlement system of this embodiment. In S100, the user makes an account opening request for the external account and the internal account to the bank server 400. In S102, the bank server 400, based on the account opening request from the user, the identification information (for example, a bitcoin address or account number) for identifying the external account in the external settlement system server 200, and the secret key 10 associated with the external account. Create an external account.

  In S104, the bank server 400 manages the created secret key 10 and identification information for identifying the external account. For example, the private key 10 may be stored and managed in the external account information storage unit 412 of the bank server 400, and the identification information for identifying the external account is stored and managed in the identification information storage unit 414 of the bank server 400. May be.

  Next, in S106, the bank server 400 opens an internal account associated with the opened external account. As the internal account is opened, the bank server 400 issues identification information (for example, an account number) for identifying the internal account, and manages the identification information for identifying the internal account. For example, the identification information storage unit 414 of the bank server 400 may store and manage the identification information for identifying the external account and the identification information for identifying the internal account in association with each other.

  In S108, the bank server 400 issues to the user a user card 302 that stores identification information for identifying the opened internal account. In FIG. 5, the card storing the identification information for identifying the internal account is issued to the user, but the identification information for identifying the internal account is issued to an information processing device such as a smartphone owned by the user, The information processing apparatus owned by the user may store identification information for identifying the internal account.

  S110 to S118 indicate processing in which the store requests an account opening request for opening an external account and an internal account. Here, S110 to S118 correspond to S100 to S108, and the same processing as S100 to S108 is performed. Therefore, in S118, a store card 304 in which identification information for identifying an internal account of the store is stored is issued to the store.

  As described above, when the user card 302 and the store card 304 storing the identification information for identifying the internal account are issued, the user and the store in the payment system of the present embodiment can obtain information on the external account related to the external payment system and Transactions using virtual currency can be performed without managing the secret key 10.

(Transfer of value to established account)
The processing for opening an external account and an internal account has been described above with reference to FIG. The external account associated with the internal account opened by the process shown in FIG. 5 has no value, and the balance of the value in the external account is zero. Thus, users and stores must purchase value. In FIG. 6, the process in which a user and a store purchase value will be described.

  FIG. 6 is a diagram illustrating an example of processing when the user and the store purchase value as described above. In S200, the user makes a value purchase application by presenting the user card 302 issued in S108 of FIG. At this time, the user makes an application for purchase of value using not the virtual currency but the currency issued by the country, for example, yen.

  Upon receiving the value purchase application from the user, the transaction request receiving unit 404 sends the contents of the value purchase application to the internal account management unit 408 (S202). In step S <b> 204, the internal account management unit 408 performs processing for transferring value from the external account associated with the bank internal account to the external account associated with the user internal account based on the value purchase application from the user. Here, for example, when the bit coin which is an example of value has a value of 100 yen per bit coin, and the content of the value purchase application is the content of purchasing 1,000 bit coins at 100,000 yen 1,000 bit coins move from the bank's external account to the user's external account. This process may be similar to the process described below in FIG.

  S206 to S210 show processing for the store to purchase value. Here, S206 to S210 correspond to S200 to S204, and the same processing as S200 to S204 is performed. Therefore, in S210, the value is transferred from the bank external account to the store external account.

  FIG. 7 is a diagram showing the status of the internal account after the processing shown in FIG. 6 is performed. After the value purchase application process shown in FIG. 6 is performed, the value is held in the external account associated with the user internal account 602 and the store internal account 604 as shown in FIG. FIG. 7 shows that 1,000 bit coins as an example of value are held in each of the user external account and the store external account.

  As shown in FIG. 7, the internal account management unit 408 manages internal accounts in association with external accounts of users, stores, and banks. For example, as shown in FIG. 7, when the internal account management unit 408 holds 1,000 bit coins in an external account, the internal account management unit 408 uses the 1,000 bit coins in the internal settlement system based on the value balance of the external account. May be used to manage internal accounts.

(Process for product purchase)
The processing related to the account opening and the value purchase in the present embodiment has been described above. Below, the process when a user purchases goods from a store using the payment system of this embodiment is demonstrated. FIG. 8 is a diagram showing processing at the time of product purchase in the present embodiment. In the following, the process will be described on the assumption that each internal account is managed as shown in FIG. 7 and a 100-bit coin product is traded between the user and the store.

  When the user applies for product purchase in S300, the user presents the user card 302 storing the identification information for identifying the user's internal account to the store. In S302, the store card reader 500 reads the user card 302 and the store card 304, and includes a transaction request including identification information for identifying the user and the store's internal account, information on a value transferred by the transaction (for example, 100 bit coins), and the like. Is sent to the bank server 400.

  The credit / settlement unit 406 that has received the transaction request via the transaction request receiving unit 404 inquires of the internal account management unit 408 about the balance of the value that can be used in the user internal account 602 (S304). In step S <b> 306, the internal account management unit 408 returns the value balance available in the user internal account 602 to the credit / settlement unit 406. In the example of FIG. 7, the balance of value that can be used in the user internal account 602 is 1,000 bit coins.

  In S308, the credit / settlement unit 406 compares the acquired value balance available in the user internal account 602 with the value transferred based on the transaction request, and determines whether credit is possible. In other words, the credit / settlement unit 406 can provide credit based on the value balance available in the user internal account 602 being 1,000 bit coins and the value being transferred based on the transaction request being 100 bit coins. It is determined whether or not. In this case, since the balance of the value that can be used in the user internal account 602 is larger than the value transferred based on the transaction request, the credit / settlement unit 406 determines that credit is possible.

  In step S310, the credit / settlement unit 406 calculates an unsettled value. Unsettled value means a value that has been credited based on a transaction request from a store but has not yet settled against an external settlement system.

  In step S <b> 312, the credit / settlement unit 406 sends information related to the unsettled value indicating that 100 bit coins have been used for the user internal account 602 to the internal account management unit 408. In S <b> 314, the credit / settlement unit 406 sends to the internal account management unit 408 information regarding an unsettled value indicating that 95-bit coins are added to the store internal account 604.

  In this embodiment, the bank that manages the bank server 400 collects a 5-bit coin fee as a usage fee for the managed payment system. Therefore, in S316, the credit / settlement unit 406 sends information related to the unsettled value indicating that 5-bit coins are added as a fee to the bank internal account 606 to the internal account management unit 408.

  Next, in S318, the credit / settlement unit 406 notifies the store that the credit is approved. The store that has received the credit approval from the bank server 400 delivers the product to the user (S320).

  FIG. 9 is a diagram showing the status of the internal account after the processing shown in FIG. 8 is performed. When the processing of the unsettled value shown in S312 to S316 in FIG. 8 is performed by the internal account management unit 408, the status of each internal account is as shown in FIG. That is, regarding the user internal account 602, although the external account balance is 1,000 bit coins, the unsettled value is -100 bit coins, and thus the value available in the internal payment system is 900 bit coins.

  Further, regarding the store internal account 604, although the external account balance is 1,000 bit coins, the unsettled value is +100 bit coins, so the value that can be used in the internal settlement system is 1,100 bit coins. Further, regarding the bank internal account 606, the external account balance is 10,000 bit coins, but the unsettled value is +5 bit coins, so the value that can be used in the internal settlement system is 10,005 bit coins.

  Note that −100 bit coin, which is an unsettled value of the user internal account 602 described above, means a value paid as a consideration for purchasing a product. Further, the +95 bit coin that is an unsettled value of the store internal account 604 is a value obtained by subtracting 5 bit coins, which are a fee for a bank, from 100 bit coins received as consideration for selling products.

(Value transfer request to external settlement system)
In the above, the process when a user purchases a product from a store using the payment system of the present embodiment has been described. Hereinafter, in the payment system of the present embodiment, a process when a value transfer request to the external payment system is performed will be described. In the process shown in FIG. 8, the unsettled value is calculated by performing credit by the bank. In the following, an operation for processing this unsettled value based on information from the external settlement system will be described.

  FIG. 10 is a diagram showing an operation for processing an unsettled value based on the information from the external settlement system described above. First, in S400, the value transfer request unit 418 requests the external payment system to transfer the value of each external account based on the information from the credit / settlement unit 406 or the information from the internal account management unit 408. The request is made to the external settlement system server 200.

  In the example described in FIGS. 8 and 9, the unsettled value for the user internal account 602 is −100 bit coins, the unsettled value for the store internal account 604 is +95 bit coins, and the unsettled value for the bank internal account 606. The value is +5 bit coins.

  Therefore, the value transfer request unit 418 transfers a value transfer request so that, for example, 95 bit coins are transferred from the user's external account to the store's external account, and 5 bit coins are transferred from the user's external account to the bank's external account. Is broadcast via the communication unit 402. This value transfer request may be signed and broadcast with the private key 10 associated with any external account of a user, a store, or a bank.

  Next, the external settlement system server 200 that has received the value transfer request in S402 verifies the value transfer request described above, creates a transaction record 22 indicating the contents of the value transfer request, and creates a block including the transaction record 22. . In step S <b> 404, the external settlement system server 200 broadcasts a block including the transaction record 22.

  In step S406, the external account balance verification unit 410 that has received the block including the transaction record 22 via the communication unit 402 verifies whether the received block can be connected as a block chain using the hash value included in the block. . If the received block can be connected as a block chain, the external account balance verification unit 410 verifies the contents of the transaction record 22 included in the received block.

  In S408 to S412, the external account balance verification unit 410 updates the balance of the external account stored in the external account information storage unit 412 based on the contents of the transaction record 22 verified in S406. In S408 to S412, the internal account management unit 408 and the credit / settlement unit 406 update the unsettled value and the value available in the internal account.

  Specifically, in S408, the external account balance verification unit 410 indicates that the 100-bit coin has moved from the user's external account to the store and bank external account based on the received transaction record 22. 412. As a result, the user's external account balance stored in the external account information storage unit 412 is updated from 1,000 bit coins to 900 bit coins. As the user's external account balance is updated, the credit / settlement unit 406 updates the unsettled value to 0 and updates the value available in the user internal account 602 to 900 bit coins. Then, the internal account management unit 408 updates the updated external account balance, unsettled value, and available value based on information from the external account information storage unit 412 and the credit / settlement unit 406.

  In S410, the external account balance verification unit 410 transmits to the external account information storage unit 412 that the 95-bit coin has been transferred from the user's external account to the external account of the store based on the received transaction record 22. As a result, the external account balance of the store stored in the external account information storage unit 412 is updated from 1,000 bit coins to 1,095 bit coins. Further, as the external account balance of the store is updated, the credit / settlement unit 406 updates the unsettled value to 0 and updates the value available in the store internal account 604 to 1,095 bit coins. Then, the internal account management unit 408 updates the updated external account balance, unsettled value, and available value based on information from the external account information storage unit 412 and the credit / settlement unit 406.

  In step S412, the external account balance verification unit 410 transmits to the external account information storage unit 412 that the 5-bit coin has been transferred from the user's external account to the bank's external account based on the received transaction record 22. As a result, the bank external account balance stored in the external account information storage unit 412 is updated from 10,000 bit coins to 10,005 bit coins. Further, as the bank external account balance is updated, the credit / settlement unit 406 updates the unsettled value to 0, and updates the value available in the bank internal account 606 to 10,005 bitcoin. Then, the internal account management unit 408 updates the updated external account balance, unsettled value, and available value based on information from the external account information storage unit 412 and the credit / settlement unit 406.

  FIG. 11 is a diagram showing the status of the internal account after the processing shown in FIG. 10 is performed. When the external account balance and the unsettled value shown in S408 to S412 in FIG. 10 are updated, the status of each internal account is as shown in FIG. That is, regarding the user internal account 602, the external account balance is 900 bit coins, the unsettled value is 0, and the value that can be used in the internal payment system is 900 bit coins.

  Regarding the store internal account 604, the external account balance is 1,095 bit coins, the unsettled value is 0, and the value that can be used in the internal settlement system is 1,095 bit coins. Regarding the bank internal account 606, the external account balance is 10,005 bit coins, the unsettled value is 0, and the value available in the internal settlement system is 10,005 bit coins.

  As described above, in the settlement system of this embodiment, a trusted entity such as a bank performs credit in an internal settlement system different from the external settlement system. As a result, time-consuming settlement in the external settlement system is processed in a short time.

  Note that the example in which the transaction record 22 is normally created by the external settlement system server 200 has been described above in S402 of FIG. However, it is assumed that the external settlement system server 200 cannot create the transaction record 22 for some reason. At this time, the internal account management unit 408 seizes the value held in the external account associated with the internal account of the user who is the object of the transaction, and the credit / settlement unit 406 does not approve credits thereafter. By configuring the payment system in this way, the bank can guarantee the sales of the store, and a more stable payment system is provided.

<3. Supplement>
In the above-described embodiment, the usable amount of the internal account managed by the internal account management unit 408 is the same as the external account balance. However, the available amount of the internal account may be changed based on the creditworthiness of the user. For example, in a payment system related to bitcoin, an address class is set based on the balance held by bitcoin. Therefore, the usable amount of the internal account may be set so that the usable amount of the internal account becomes higher as the address class is higher. Thus, by setting the available amount based on the creditworthiness of the user, a more stable settlement system is provided.

  In the above-described embodiment, the settlement processing in the internal account managed by one bank has been described. However, the settlement system of this embodiment can also be applied to transactions between internal accounts managed by a plurality of banks. At this time, the bank server 400 that has received a transaction request for an internal account managed by a plurality of banks sends the contents of the transaction request to another bank that manages the internal account. The bank server 400 of the other bank that has received the transaction request manages the internal account according to the transaction content. As a result, transactions for internal accounts managed by a plurality of banks are performed.

  In the embodiment described above, the bank provides an internal payment system. However, the entity that provides the internal payment system is not limited to banks. For example, an insurance company or a securities company may provide an internal payment system. In addition, the settlement system of the present embodiment may be used in funds transfer and currency conversion such as settlement using virtual currency on the Internet.

  The series of processing described in this specification is performed by a program configured to cause a general-purpose processor including the credit / settlement unit 406, the internal account management unit 408, and the external account balance verification unit 410 to perform the above-described processing. It may be realized. For example, the program is stored in advance in a storage medium (non-transitory media) provided inside or outside the apparatus. Each program is read into a RAM at the time of execution, for example, and executed by a processor such as a CPU.

<4. Conclusion>
As described above, the bank server 400 according to the present embodiment provides an internal payment system based on an external payment system. Thereby, credit is performed in the internal payment system without waiting for time-consuming payment in the external payment system. Therefore, the user can quickly conduct a transaction using a value such as a virtual currency.

  The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  The present invention is applicable to a payment system, an information processing apparatus, and a computer program.

100 store computer 200 external payment system server 302 user card 304 store card 400 bank server 402 communication unit 404 transaction request receiving unit 406 credit / settlement unit 408 internal account management unit 410 external account balance verification unit 412 external account information storage unit 414 identification information Storage unit 416 Identification information issuing unit 418 Value transfer request unit 500 Card reader 602 User internal account 604 Store internal account 606 Bank internal account 900 User computer

Claims (10)

A communication unit that communicates with an external payment system that performs payment related to a value having monetary value;
An external account balance verification unit for verifying the value held by the external account of the external payment system;
An external account information storage unit that stores the value balance in the external account of the external payment system, verified by the external account balance verification unit;
An internal account management unit for managing an internal account in an internal payment system in association with the external account;
A transaction request receiving unit for receiving a transaction request involving a transfer of value from the internal account to another account;
Based on the value balance in the external account acquired from the external account information storage unit, the value that can be used in the internal account that is the target of the transaction request is compared with the value that is transferred by the transaction request. A credit unit for crediting the internal account;
A value transfer request unit that makes a transfer request of the value in the external account to the external settlement system;
A settlement unit that updates the available value in the internal account for transactions credited by the credit unit;
Payment system.   2. The value transfer request unit according to claim 1, wherein the value transfer request unit increases or decreases the value of the external account associated with the internal account that is a target of the transaction request to the external settlement system. Payment system. The internal account management unit, when the credit unit credits the transaction request, the value related to the transaction request with respect to a balance of the external account associated with the internal account that is the target of the transaction request. Increase or decrease to manage the available value in the internal account,
The payment system according to claim 1 or 2, wherein the internal account management unit manages the value related to the transaction request as an unsettled value. The communication unit receives a transaction record for the value transfer request in the external account performed by the value transfer request unit from the external settlement system,
The external account balance verification unit verifies the value held by the external account based on the transaction record received from the external payment system,
The payment system according to claim 3, wherein the payment unit processes the unsettled value after the value is verified in the external account.   The payment system according to claim 3 or 4, wherein the internal account management unit manages the available value in the internal account based on the unsettled value. The external account information storage unit further stores a secret key related to the external account,
The payment system according to any one of claims 1 to 5, wherein the value transfer request unit makes a signature using the secret key and requests the value transfer to the external payment system. An identification information storage unit for storing identification information related to the internal account;
An identification information issuing unit that issues the identification information to a user,
The transaction request receiving unit receives the transaction request including the identification information, and specifies the internal account that is a target of the transaction request using the identification information. The settlement system described. A communication unit that communicates with an external payment system that performs payment related to a value having monetary value;
An external account balance verification unit for verifying the value held by the external account of the external payment system;
An external account information storage unit for storing a balance of the value in the external account of the external payment system;
An internal account management unit for managing an internal account in an internal payment system in association with the external account;
A transaction request receiving unit for receiving a transaction request regarding the value between the external accounts;
Based on the value balance in the external account acquired from the external account information storage unit, the value that can be used in the internal account that is the target of the transaction request is compared with the value that is transferred by the transaction request. A credit unit for crediting the internal account;
A value transfer request unit that makes a transfer request of the value in the external account to the external settlement system;
A settlement unit that updates the available value in the internal account for transactions credited by the credit unit;
An information processing apparatus comprising: Communicating with an external payment system that performs payments related to monetary value,
Verifying the value held by an external account of the external payment system;
Storing the balance of the value in the external account of the external payment system obtained by the verification;
Managing an internal account in an internal payment system in association with the external account;
Receiving a transaction request involving the transfer of value from the internal account to another account;
Crediting the internal account by comparing the value available in the internal account that is the subject of the transaction request with the value that is moved by the transaction request;
Making a transfer request for the value in the external account to the external payment system;
Updating the available value in the internal account for a credited transaction;
Including payment methods. To the processor,
Communicate with an external payment system that performs payments related to value with monetary value,
Verifying the value held by an external account of the external payment system;
Storing the value balance in the external account of the external payment system obtained by the verification;
The internal account in the internal payment system is managed in association with the external account,
Receiving a transaction request involving the transfer of value from the internal account to another account;
Crediting the internal account by comparing the value available in the internal account subject to the transaction request and the value transferred by the transaction request;
Causing the external payment system to make a transfer request for the value in the external account;
Causing the available value in the internal account to be updated for credited transactions;
program.

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