JP2020154967A - Payment processing device, payment processing method, and payment processing program - Google Patents

Abstract

To provide a technique for restricting, as much as possible, delays in processing time caused by an increase in a processing amount related to payments, while allowing payment processing to be carried out to an account of a business operator involving settlement means other than cash, according to a business form of the business operator.SOLUTION: A payment processing device comprises: a processing schedule setting section that, when acquiring settlement data related to a payment conducted according to an electromagnetic method by a client of a business operator to the business operator, sets an execution schedule of payment processing for paying a settlement amount contained in the settlement data to an account of the business operator, in a prescribed payment time zone selected on the basis of business operator information set for the business operator; and a payment processing section that executes the payment processing when the prescribed payment time zone arrives.SELECTED DRAWING: Figure 6

Description

The present invention relates to a deposit processing apparatus, a deposit processing method, and a deposit processing program.

In recent years, with the development of communication technology, various information processing systems utilizing information technology have been developed (see, for example, Patent Document 1-2).

Japanese Unexamined Patent Publication No. 2012-128770 JP-A-2009-223815

Businesses operating in restaurants, general stores, convenience stores, virtual stores operating on the Internet, and various other stores usually sell expenses such as paying wages to employees, purchasing products, and paying rent. Contribute from money. However, in recent years, payment methods other than cash, such as credit cards, debit cards, and electronic money, have become widespread. In the case of payment methods other than cash, the business operator cannot obtain cash immediately. For example, in the case of a credit card, the card company collects payments for a predetermined period and deposits the payment to the business operator, so that the business operator waits up to one month to obtain cash.

Therefore, as a measure to improve the cash flow of the business operator, it is conceivable to shorten the payment cycle to the business operator by a payment method other than cash. For example, in the case of debit card payment, if the payment company responsible for the debit card payment business makes a daily deposit to the business operator, the business operator will cash the proceeds paid by a payment method other than cash the next day. Can be obtained at.

By the way, among restaurants, general stores, convenience stores, virtual stores operating on the Internet, and various other stores, there are stores whose business closing time is set to the night zone after 24:00 midnight. In such stores, the daily aggregation of sales is usually done after the end of the night. Then, the sales from midnight to the closing time are totaled as the sales on the previous day, that is, on the business day. Therefore, in such a store, if the customer pays the business operator immediately before 24:00 or after 24:00, the payment data such as the payment amount will be sent to the settlement company on the day after the business day of the business operator. Since you will be notified, if you decide to make payments from the settlement company to the business operator every day in order to improve cash flow, it will be based on the payment data notified by the business operator to the settlement company after 24:00 midnight. For the business operator, the payment to the business operator will be made two days after the business day, and there will be a discrepancy in the aggregation of sales proceeds made daily. The same applies when the transaction of payment data is delayed due to a communication failure or the like. In addition, if the deposit cycle to the business operator is shortened, the payment processing to the business operator will increase, and the processing amount of the system responsible for depositing to the business operator's account will increase, which will hinder the payment processing to various accounts. There is a possibility.

Therefore, the present application makes it possible to perform the deposit processing to the account of the business operator related to the payment means other than cash in accordance with the business form of the business operator, and the processing caused by the increase in the processing amount related to the deposit. An object of the present invention is to provide a technique for suppressing a time delay as much as possible.

In order to solve the above problem, in the present invention, when the settlement data related to the payment made by the customer of the business operator by the electromagnetic method is acquired to the business operator, the payment is made in the payment time zone selected based on the business operator information. I decided to set a processing schedule.

Specifically, the present invention is a deposit processing device, and when a business operator acquires payment data related to payments made by the business operator's customer by an electromagnetic method, the payment amount included in the payment data is calculated. A processing schedule setting unit that sets the execution schedule of the deposit process for depositing to the account of the business operator to a predetermined deposit time zone selected based on the business operator information set for the business operator, and a predetermined deposit time zone. Then, it is provided with a deposit processing unit that executes deposit processing.

In the case of the above-mentioned deposit processing device, the business operator is set to deposit money to the business operator's account based on the settlement data related to the payment made by the business operator's customer by an electromagnetic method. The processing schedule is set so that it will be performed at a predetermined payment time zone selected based on the business operator information. Therefore, for example, in a store whose business closing time is after 24:00, there is a discrepancy in the daily totaling of sales for a business operator who totals sales from midnight to the closing time as sales on the previous day. You can make a deposit to your account without any problems. In addition, since payments are made for each business operator, for example, at a store whose business closing time is 18:00, payment data can be aggregated at an early stage and payments can be made within the same day, further improving cash flow. .. Further, by appropriately setting the selected deposit time zone, it is possible to suppress the delay in the processing time due to the increase in the processing amount related to the deposit.

When the processing schedule setting unit acquires the settlement data, it selects a predetermined deposit time zone based on the business hours information of the business operator included in the business operator information, and sets the execution schedule of the deposit processing to the predetermined deposit time. It may be set on a band. With such a deposit processing device, it is possible to perform deposit processing in a deposit time zone that is in line with the business hours of the business operator. Therefore, for example, it is possible to prevent the deposit processing from being performed before the business end time arrives. Can be done.

Further, the processing schedule setting unit may defer the selected deposit time zone when the execution schedule of the deposit process set in the specific deposit time zone reaches a predetermined amount. With such a deposit processing device, it is possible to perform the deposit processing to the account of the business operator related to the payment means other than cash according to the business form of the business operator, and the processing amount related to the deposit. It is possible to suppress the delay in processing time due to the increase as much as possible.

In addition, the deposit processing unit may execute the deposit processing based on the information of the account number included in the business operator information at the predetermined deposit time zone. With such a deposit processing device, it is possible to automatically execute the deposit to the business operator's account at a selected time zone.

The present invention can also be grasped from the aspect of a method or a program. The present invention is, for example, a payment processing method, in which when a business operator acquires payment data related to payments made by the business operator's customers by an electromagnetic method, the payment amount included in the payment data is used in the business. When the processing schedule setting process that sets the execution schedule of the deposit process to deposit to the account of the person in the predetermined deposit time zone selected based on the business operator information set for the business operator and the predetermined deposit time zone , It may have a deposit processing step of executing the deposit process.

With the above-mentioned deposit processing device, deposit processing method, and deposit processing program, it is possible to perform deposit processing to a business operator's account related to a payment method other than cash in accordance with the business form of the business operator. It is possible to suppress the delay in processing time due to the increase in the processing amount related to the deposit as much as possible.

FIG. 1 is a configuration diagram of a deposit processing system according to an embodiment. FIG. 2 is a diagram showing an example of a functional block realized when a computer program is executed on a business server and a bank server. FIG. 3 is a diagram showing an example of a processing flow realized in a bank server. FIG. 4 is a diagram showing an example of the business information management table. FIG. 5 is a diagram showing an example of a deposit file for each time zone. FIG. 6 is a diagram illustrating the timing at which the deposit processing is performed.

Hereinafter, embodiments will be described. The embodiments shown below are merely examples, and the technical scope of the present disclosure is not limited to the following aspects.

<System configuration>
FIG. 1 is a configuration diagram of a deposit processing system according to an embodiment. The payment system 1 is a system including a bank server 3 and a business server 4 capable of communicating with each other via a communication network 2. The bank server 3 is a server managed by a financial institution, and manages the accounts of customers of the financial institution. The business server 4 is a server managed by a business operator operating in a restaurant, a general store, a convenience store, a virtual store operating on the Internet, or other various stores, and is performed at the store of the business operator. The payment data related to the payment is transmitted to the bank server 3. The business server 4 may be the payment machine itself installed in the store, or in the case of a virtual store, the server of the data center managed by the operator who operates the virtual shopping district. ..

In the payment system 1, payment by a debit card, a credit card, or the like made through the payment terminal 7 at each business operator's store, payment using the payment application of the smartphone 6, and membership card information presented by the customer 5 to the clerk are displayed. When the customer 5 is paid by these various electromagnetic methods, such as the payment made by the clerk inputting to the terminal, the payment data related to the payment is transmitted from the business operator server 4 to the bank server 3 via the communication network 2. Will be sent to. Then, the bank server 3 performs payment processing to the account of each business operator based on the payment data sent from the business operator server 4. The payment data may be sent from a mobile terminal such as a smartphone carried by the customer 5 to the bank server 3 via a wireless communication line instead of the business server 4.

The communication network 2 is mainly formed of public communication lines. The communication network 2 may be either a wired or wireless communication line. The data exchanged between the business server 4 and the bank server 3 using the communication network 2 is encrypted in order to prevent the communication contents from being intercepted.

The business server 4 and the bank server 3 are information processing devices having a CPU, a memory, a communication interface, and storage such as an HDD (Hard Disk Drive) and an SSD (Solid State Drive). Then, in the business server 4, in addition to the computer program for store operation prepared by the business that manages the business server 4, a computer program related to payment performed by an electromagnetic method is executed. In addition, the bank server 3 executes a computer program that manages the accounts of bank customers and a computer program that manages the processing of deposits into the accounts.

FIG. 2 is a diagram showing an example of a functional block realized when a computer program is executed on the business server 4 and the bank server 3. When the business server 4 executes the computer program, the settlement processing unit 41 and the sales processing unit 42 are realized. Further, when the bank server 3 executes the computer program, the processing schedule setting unit 31 and the deposit processing unit 32 are realized.

When the customer 5 selects payment by an electromagnetic method, the payment processing unit 41 acquires information on an electromagnetic recording medium such as a debit card through the payment terminal 7 or the like, and controls the processing of the electromagnetic payment related to the payment. In addition, the sales processing unit 42 accesses the bank server 3 to refer to the information of the business operator's account, and confirms the consistency between the payment of the account and the sales.

When the processing schedule setting unit 31 acquires the payment data transmitted from the business operator server 4, the processing schedule setting unit 31 sets a schedule for executing the payment processing related to the payment data. Further, the payment processing unit 32 executes the payment processing related to the settlement data transmitted from the business operator server 4 according to the schedule set by the processing schedule setting unit 31.

Further, the database 43 is prepared in the business server 4, and the database 33 is prepared in the bank server 3. The database 43 stores a file that manages information such as sales in the store. In addition, the database 33 contains a table for managing business information such as business hours and account numbers of each business affiliated with a service provided by a bank (hereinafter referred to as "business information management table"), and each business. A file that manages information such as the amount of money to be deposited into the account by time zone (hereinafter referred to as "time zone deposit file") is stored.

FIG. 3 is a diagram showing an example of a processing flow realized in the bank server 3. Hereinafter, the processing contents realized by the bank server 3 will be described along with the processing flow shown in FIG.

The bank server 3 determines whether or not the payment data has been received (S101). When step S101 is executed at the timing when the settlement data is transmitted from the business server 4 to the bank server 3, the bank server 3 makes an affirmative determination.

When the bank server 3 makes an affirmative determination in step S101, the bank server 3 then checks the member stores (S102). That is, the bank server 3 refers to the received payment data and identifies the business operator who made the payment related to the payment data. Next, the bank server 3 calculates a fee that is a consideration for the payment service realized by the electromagnetic method (S103). Specifically, the bank server 3 refers to the received payment data and uses the value obtained by multiplying the payment amount included in the payment data by a predetermined ratio (for example, 1%) as a commission, and the payment amount. The value obtained by subtracting the commission from is determined as the deposit amount to the business operator. Next, the bank server 3 specifies the time zone and the account number of the deposit destination to execute the deposit process related to the settlement data based on the information in the business information management table, and determines the deposit amount, the deposit destination, etc. The information is stored in the time zone deposit file (S104). The process schedule setting unit 31 mainly controls the series of processes from step S101 to step S104.

Further, when the bank server 3 makes a negative determination in step S101, the bank server 3 then refers to the current time and determines whether or not the deposit processing time has arrived (S105). Then, when the bank server 3 makes an affirmative determination in step S105, the bank server 3 refers to the time zone-specific deposit file and acquires information on the deposit data to be executed at the current time. (S106). Then, the bank server 3 executes the deposit processing to the account of the deposit amount calculated in step S103 based on the information of the deposit data acquired in step S106 (S107). The series of processes from step S105 to step S107 is mainly controlled by the deposit processing unit 32.

In the bank server 3, a series of processes from step S101 to step S107 are repeatedly executed. Therefore, the bank server 3 can realize the following operations, for example.

FIG. 4 is a diagram showing an example of the business information management table. In the business information management table, the business hours of each business, the account number, the time when the execution of the deposit processing is started, the upper limit of the number of processing cases set for each business, and the like are defined. The time to start the execution of the deposit process is set at least after the business end time of the business operator, and the bank sets it appropriately in consideration of the business hours of the business operator. For example, as shown in FIG. 4, the business hours of the business operator A are "10:00 to 18:00", the business hours of the business operator B are "10:00 to 23:30", and the business operators. It is assumed that the business hours of C are "10:00 to 25:00". In this case, the bank sets the time at which the execution of the deposit process is started, for example, "00:00" for the business operator A and "02:00" for the business operator B, as shown in FIG. C is set to "02:00".

In addition, in order to prevent the processing capacity of the bank server 3 from being concentrated on the payment processing to a specific business operator and delaying the payment processing to other business operators, as shown in FIG. 4, payment is made to each business operator. An upper limit on the number of data processes has been set. Then, in the process of step S104, when the deposit data of the business operator who is trying to store the deposit data reaches the upper limit, the bank server 3 stores the deposit data in the deposit file in the next time zone. As a result, it is possible to prevent the processing of the deposit data of a specific business operator from being concentrated in a specific time zone.

Hereinafter, assuming that the business information management table is set in this way, a deposit process realized by repeatedly executing a series of processes from step S101 to step S107 will be described.

For example, it is assumed that the payment of 1000 yen and the payment of 2000 yen using a debit card are made during business hours at the store of the business operator A. In this case, first, the settlement data related to the payment of 1000 yen is sent from the business server 4 to the bank server 3, the fee is calculated as 10 yen in the process of step S103, and the deposit data of 990 yen is generated in the process of step S104. It is stored in the deposit file at the processing start time of the next day at 00:00. In addition, the settlement data related to the payment of 2000 yen is sent from the business server 4 to the bank server 3, the fee is calculated to be 20 yen in the processing of step S103, and the payment data of 1980 yen is processed the next day in the processing of step S104. It is stored in the deposit file at the start time of 00:00.

Further, for example, it is assumed that the payment of 50,000 yen using a debit card is made during business hours at the store of the business operator B. In this case, first, the settlement data related to the payment of 50,000 yen is sent from the business server 4 to the bank server 3, the fee is calculated as 500 yen in the process of step S103, and the deposit data of 49500 yen is generated in the process of step S104. It is stored in the deposit file at 02:00, the processing start time of the next day.

Further, for example, at the store of the business operator C, payment of 10,000 yen using a debit card is made before 24:00 during business hours, and payment of 90,000 yen using a debit card is made during business hours 24: It is assumed that it was done after 00. In this case, first, the settlement data related to the payment of 10,000 yen is sent from the business server 4 to the bank server 3, the fee is calculated as 100 yen in the process of step S103, and the deposit data of 9900 yen is generated in the process of step S104. It is stored in the deposit file at 02:00, the processing start time of the next day. In addition, the settlement data related to the payment of 90,000 yen is sent from the business server 4 to the bank server 3, the fee is calculated as 900 yen in the processing of step S103, and the payment data of 89100 yen is processed the next day in the processing of step S104. It is stored in the deposit file at the start time of 02:00.

FIG. 5 is a diagram showing an example of a deposit file for each time zone. When the above payments are made at the stores of the businesses A to C, the payment data for each time zone contains the payment data based on the payments made by the businesses A to C, as shown in FIG. Is stored for each time zone when the execution of the deposit process is started. That is, the payment data (2970 yen, which is the total amount of 990 yen and 1980 yen) based on the payment at the store of the business operator A is stored in the payment file at 00:00 at the processing start time, and is based on the payment at the store of the business operator B. The deposit data (49,500 yen) is stored in the deposit file at the processing start time of 02:00, and the deposit data (99000 yen, which is the total amount of 9900 yen and 89100 yen) based on the payment at the store of the business operator C is the processing start time 02. It is stored in the deposit file at 0:00.

Then, when the time reaches 00:00, the bank server 3 makes an affirmative determination in the process of step S105, and refers to the time zone-specific deposit file in the process of step S106. Then, in the process of step S107, the bank server 3 executes the deposit process based on the deposit data at the processing start time of 00:00 acquired from the time zone-specific deposit file.

Further, when the time reaches 02:00, the bank server 3 makes an affirmative determination in the process of step S105, and refers to the time zone-specific deposit file in the process of step S106. Then, in the process of step S107, the bank server 3 executes the deposit process based on the deposit data at the processing start time 02:00 acquired from the time zone-specific deposit file.

FIG. 6 is a diagram illustrating the timing at which the deposit processing is performed. The timing chart shown as "Example" in FIG. 6 shows the timing of payment realized by the bank server 3 of the above embodiment. On the other hand, the timing chart shown as a "comparative example" in FIG. 6 shows the timing of payment in the prior art. In the comparative example, the payment processing is carried over to the next day for the settlement data received after 00:00 without considering the business hours of each business operator A to C.

According to the bank server 3 of the above embodiment, as can be seen from the timing chart shown as the “example” in FIG. 6, the deposit of the sales proceeds to the accounts of the business operator A and the business operator B generated sales. It takes place the day after the business day. Further, the payment of the sales proceeds to the account of the business operator C is performed on the day when the business end time is reached, that is, the day after the business day, even if the sales occur after 24:00 at midnight.

On the other hand, in the case of the comparative example, as can be seen from the timing chart shown as the “comparative example” in FIG. 6, the payment of sales proceeds is made on the next day for the payment processing of sales generated by 24:00 on the business day. Although it is performed, the payment processing of sales generated after 24:00 is performed on the next day, that is, the day after the business day. Therefore, for example, in the above example, a deposit of 2970 yen based on the sales generated on the business day at the store of the business operator A and 49,500 yen based on the sales generated on the business day at the store of the business operator B The deposit and the deposit of 9900 yen based on the sales generated on the business day at the store of the business operator C will be made on the next day. However, the deposit of 89,100 yen based on the sales generated after 24:00 during the business hours at the store of the business operator C will be made two days after the business day.

In this way, in the case of the comparative example, if payments are made to the business operator every day in order to improve the cash flow of the business operator, the business from midnight to the closing time of business is aggregated as the sales of the previous day. Deposits to a person's account are inconsistent with the daily aggregation of sales. On the other hand, in the case of the bank server 3 of the above embodiment, in order to improve the cash flow of the business operator, even if the business operator is paid every day, the sales from midnight to the closing time of business are the day before. For businesses that aggregate sales, it is possible to deposit money into the account in a way that does not cause any discrepancy in the daily aggregation of sales.

Further, when the payment to the business operator is made every day, the processing amount of the payment processing is increased as compared with the case where the payment to the business operator is made twice a month, for example. However, in the bank server 3 of the above embodiment, when the deposit data of the business operator who is trying to store the deposit data reaches the upper limit in the process of step S104, the deposit data is transferred to the deposit file in the next time zone. Since it is stored, it is possible to prevent the payment data of a specific business operator from being concentrated in a specific time zone.

Therefore, the bank server 3 of the above-described embodiment is related to the deposit while making it possible to perform the deposit processing to the account of the business operator related to the payment means other than cash in accordance with the business form of the business operator. It is possible to suppress the delay in processing time due to the increase in the processing amount as much as possible. For example, as in the above example, when the processing of the deposit data of the business operator B and the processing of the deposit data of the business operator C are set in the same time zone, the number of the deposit data of the business operator B is a season or an event. Even if the number of deposit data is increased more than usual due to the influence of such factors, the number of cases where the deposit data of the business operator B is processed is limited to 30,000, so the deposit data of the business operator C is also within the time zone. Will be processed. Therefore, the business operator C can receive the payment to the account without being affected by the business operator B. The same applies to the processing of deposit data in other time zones. As described above, in the bank server 3 of the above embodiment, even if the number of payments by a specific business operator increases more than usual due to the influence of seasons, events, etc., the number of payment data that can be processed in each time zone Since the upper limit is set for each business operator, it is possible to prevent other business operators from being affected by the specific business operator.

If the payment method is a debit card, the bank server 3 may withdraw the deposit from the account of the owner of the debit card when the payment data is received. Further, when the payment means is a credit card, the bank server 3 may request the issuing company of the credit card for the money to be deposited in the account of the business operator.

Further, in the above embodiment, when the bank server 3 receives the payment data, the bank server 3 immediately stores the payment data in the time zone payment file. For example, the payment data is stored for a certain period of time and the payment data is stored. The deposit data based on the above may be stored in a file at an appropriate timing.

Further, in the above embodiment, the upper limit of the number of deposit data to be processed is set for each business operator, and when the number of cases to be processed in a specific time zone reaches the upper limit, the time zone to perform the deposit processing is deferred. However, for example, if the time for starting the execution of the deposit process of each business operator set in the business operator information management table is appropriately set, it is possible to omit the setting of the maximum number of cases.

Further, in the business server 4, the sales processing unit 42 accesses the bank server 3 and confirms the consistency between the deposit amount deposited in the business account and the sales data stored in the database 43. It may be.

Further, in the process of step S104, when the deposit data of the business operator who is trying to store the deposit data reaches the upper limit, the bank server 3 stores the deposit data in the deposit file in the next time zone. Instead, the number of cases in each time zone may be compared and the time zone with the smallest number may be selected to store the deposit data. According to this, for example, when the processing of the deposit data of the business operator B and the processing of the deposit data of the business operator C are set in the same time zone as in the above example, the deposit data of the business operator B When the number of cases increases more than usual and exceeds 30,000, other businesses whose deposit time is assigned after 04:00 in the time zone deposit file will not be affected by business B. be able to.

Further, in the process of step S104, when the deposit data of the business operator who is trying to store the deposit data reaches the upper limit, the bank server 3 stores the deposit data in the deposit file in the next time zone. Instead, the total maximum number of cases set for each business operator is totaled for each time zone deposit file, and the difference between the number of storable cases for each time zone deposit file and the total maximum number of cases is calculated as the storage capacity. , A time zone in which the calculated storage capacity is equal to or more than a predetermined amount may be selected based on an arbitrary priority, and the deposit data may be stored. An example of an arbitrary priority is a method of increasing the priority of a time zone close to the time zone in which the deposit data was originally intended to be stored, or a method of increasing the priority of a time zone having a large calculated difference. .. In addition, when calculating the storage capacity, instead of the maximum number of cases set for each business operator, the number of cases actually stored is used for the business operator whose business hours have ended at the time of calculation. The remaining capacity may be calculated.

In addition, set multiple times for each business operator to start executing payment processing, compare the number of cases in each time zone to prevent the number of processing cases in a specific time zone from concentrating, and each business operator. The most suitable deposit file may be selected from a plurality of times and the deposit data may be stored so that the deposit process can be executed within the desired time zone of.

1 ・ ・ Payment system 2 ・ ・ Communication network 3 ・ ・ Bank server 4 ・ ・ Business server 5 ・ ・ Customer 6 ・ ・ Smartphone 7 ・ ・ Payment terminal 31 ・ ・ Processing schedule setting unit 32 ・ ・ Payment processing unit 33 ・ ・Database 41 ... Payment processing unit 42 ... Sales processing department 43 ... Database

Accordingly, the present application, the deposit process in the business's account according to the payment means other than cash, and to provide the possibility to be that technology to make along the operating mode of the operators.

The above payment processing apparatus, if the payment processing method and payment processing program, the payment processing to the business's account in accordance with the settlement means other than cash, is possible and the child that is along the business form of the business operator ..

Claims (6)

When the business operator obtains the payment data related to the payment made by the business operator's customer by an electromagnetic method, the payment process for depositing the payment amount included in the payment data to the business operator's account is scheduled to be executed. The processing schedule setting unit that sets the predetermined payment time zone selected based on the business information set for the business, and the processing schedule setting unit.
A deposit processing unit that executes the deposit process at the predetermined deposit time zone is provided.
Deposit processing device. When the processing schedule setting unit acquires the settlement data, the processing schedule setting unit selects the predetermined payment time zone based on the business hours information of the business operator included in the business operator information, and sets the execution schedule of the payment processing. Set to the specified deposit time zone,
The deposit processing device according to claim 1. When the execution schedule of the deposit process set in the specific deposit time zone reaches a predetermined amount, the processing schedule setting unit defers the selected deposit time zone.
The deposit processing device according to claim 1 or 2. The deposit processing unit executes the deposit processing based on the information of the account number included in the business operator information at the predetermined deposit time zone.
The deposit processing device according to any one of claims 1 to 3. When the business operator acquires the payment data related to the payment made by the business operator's customer by an electromagnetic method, the payment process is scheduled to be executed to deposit the payment amount shown in the payment data to the business operator's account. Is set in the predetermined payment time zone selected based on the business information set for the business, and the processing schedule setting process.
It has a deposit processing step of executing the deposit process at the predetermined deposit time zone.
Deposit processing method. When the business operator acquires the payment data related to the payment made by the business operator's customer by an electromagnetic method, the payment process is scheduled to be executed to deposit the payment amount shown in the payment data to the business operator's account. Is set in the predetermined payment time zone selected based on the business information set for the business, and the processing schedule setting process.
At the predetermined deposit time zone, the computer is made to execute the deposit processing step of executing the deposit process.
Deposit processing program.

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