JP2021111175A - Settlement controller and program - Google Patents

Abstract

To solve the problem in which the approval for a settlement is not obtained when a financial account balance or a credit limit balance is short, in a case where a real-time settlement such as a debit card or a credit settlement is performed.SOLUTION: A settlement controller comprises a settlement information storage unit which stores, in association with identification information of a settlement device; information for performing a real-time settlement from a financial account related to the settlement device; information for performing credit settlement on the basis of the settlement device. The settlement controller comprises a determination unit for determining whether the real-time settlement or the credit settlement is performed, on the basis of a received settlement request and information stored by the settlement information storage unit in association with the identification information of the settlement device used for settlement.SELECTED DRAWING: Figure 6

Description

The present invention relates to a payment control device and a program.

A payment system that accounts for transactions by payment using a credit card, debit card, electronic money, or the like is known. (See, for example, Patent Document 1).
[Prior art literature]
[Patent Document]
[Patent Document 1] Japanese Unexamined Patent Publication No. 2015-022653

If you try to make an immediate payment with a debit card, etc., and the balance of your financial account is insufficient, you will not be able to obtain approval for the payment. When making a credit card payment, if the credit line balance is insufficient, the payment will not be approved.

In the first aspect of the present invention, a payment control device is provided. The payment control device stores information for immediate payment from the financial account associated with the payment device and information for credit card payment based on the payment device in association with the identification information of the payment device. It is provided with a payment information storage unit. Whether the payment control device performs immediate payment or credit card payment based on the information stored in the payment information storage unit in association with the received payment request and the identification information of the payment device used for payment. It is provided with a decision unit for determining.

The payment control device may further include an account balance acquisition unit that acquires information indicating the balance of the financial account associated with the payment device used for payment based on the payment request. The determination unit may decide to perform credit settlement when the balance acquired by the account balance acquisition unit is less than the settlement request amount included in the settlement request.

The payment control device may further include a credit balance acquisition unit that acquires credit balance information indicating the balance of the credit line for credit settlement based on the payment request. The determination unit may decide to perform immediate settlement when the balance acquired by the credit balance acquisition unit is less than the settlement request amount included in the settlement request.

The payment information storage unit may store priority information in which priority is given to immediate payment or credit payment in association with the identification information of the payment device. The determination unit may determine whether to perform immediate payment or credit card payment based on the priority information stored in the payment information storage unit in association with the identification information of the payment device used for payment.

When the settlement control device decides to perform credit settlement when the priority information is set to prioritize immediate settlement over credit settlement, or when the priority information gives priority to credit settlement over immediate settlement. If the decision unit decides to make an immediate payment in the case of being set to, a notification unit for notifying the user may be further provided.

The payment information storage unit may further store information indicating the upper limit amount of immediate payment set by the user of the payment device in association with the identification information of the payment device. The determination unit may decide to perform credit settlement when the upper limit of immediate settlement is less than the settlement request amount included in the settlement request.

The payment information storage unit may further store information indicating the upper limit of credit card payment set by the user of the payment device in association with the identification information of the payment device. The determination unit may decide to perform immediate settlement when the upper limit of credit settlement is less than the settlement request amount included in the settlement request.

The payment device is a single payment card issued to a user who can perform debit card payment and credit card payment from a bank account, and priority information is either debit card payment or credit card payment. The priority may be set by the user. The decision department decides to perform debit card payment when the balance of the bank account is greater than or equal to the payment request amount included in the payment request when the debit card payment is set to be prioritized over the credit card payment. When the balance of the bank account is less than the payment request amount, it may be decided to perform the credit card payment on the condition that the balance of the credit card payment credit card for the user is equal to or more than the payment request amount. The decision department decides to perform credit card payment when the balance of the credit line of credit card payment to the user is greater than or equal to the payment request amount when the credit card payment is set to be prioritized over the debit card payment. However, if the balance of the credit card line for credit card payment to the user is less than the payment request amount, it may be decided to perform debit card payment on the condition that the balance of the bank account is equal to or more than the payment request amount.

The payment control device may further include a corresponding information storage unit that associates the credit card identification information issued to the same user with the debit card identification information. When the decision department determines that a credit card will be used for payment based on the payment request, it decides to prioritize credit card payment over immediate payment, and when the debit card is used for payment. If it is determined, it may be decided that the immediate settlement is prioritized over the credit settlement.

In the second aspect of the invention, a program is provided. The program may cause the computer to function as the payment control device described above. A computer-readable medium for storing the program may be provided. The computer-readable medium may be a non-transitory computer-readable medium. The computer-readable medium may be a computer-readable recording medium.

The outline of the above invention does not list all the necessary features of the present invention. Sub-combinations of these feature groups can also be inventions.

An example of the configuration of the system 10 in one embodiment is shown schematically. It is a block diagram which shows the functional structure of the payment processing server 40. The card information stored in the storage device 190 is shown in a table format. Correspondence information indicating the correspondence between the credit card and the debit card is shown in a table format. Show credit card member information in table format. It is a flowchart which shows the procedure of the process which the settlement processing server 40 executes. It is a flowchart which shows the procedure of the process which determines the payment means to be preferentially used. An example of the computer 2000 according to this embodiment is shown.

Hereinafter, the present invention will be described through embodiments of the invention, but the following embodiments do not limit the inventions that fall within the scope of the claims. Also, not all combinations of features described in the embodiments are essential to the means of solving the invention. In the drawings, the same or similar parts may be given the same reference number to omit duplicate explanations.

FIG. 1 schematically shows an example of the configuration of the system 10 in one embodiment. In the present embodiment, the system 10 manages card payment using the payment card 100. The payment card 100 is used for credit card payment and debit card payment. The payment card 100 is an example of a payment device.

The system 10 includes a payment processing server 40, a shared processing server 50, a store terminal 42, a store terminal 32, and a store terminal 52. The payment processing server 40 is a server operated by a credit card issuing company. The store terminal 42, the store terminal 32, and the store terminal 52 are provided in a store 60 such as a store. The store terminal 42 is a member store terminal for making a payment using a credit card. The store terminal 32 is a terminal for making a payment using a debit card. The store terminal 52 is a terminal for making a payment using a terminal other than a credit card or a debit card as a payment device.

The payment card 100 is, for example, a credit card including an IC chip. The user 80 is the owner of the payment card 100. User 80 is an example of a consumer. The user 80 uses the payment card 100 to pay for the product to be purchased at the store.

The store terminal 42 and the payment processing server 40 are connected via the network 11. The network 11 is a network used for communication between the store terminal 42 and the payment processing server 40. The network 11 may include a credit card payment network such as a CAFIS network. The store terminal 42 communicates with the payment processing server 40 through the network 11.

The payment processing server 40 is connected to a plurality of banking systems 70 through the banking network 18. The banking system 70 is a system managed by each bank. The bank network 18 may include an ATM network. The payment processing server 40 can acquire the balance of the bank account from the bank system 70, or request the bank system 70 to withdraw from the bank account for immediate settlement.

When the user 80 purchases a product, the user 80 hands the payment card 100 to the clerk. At this time, the user 80 does not need to inform the store clerk whether to make a credit card payment or a debit card payment. The clerk causes the store terminal 42 to read the payment card 100. When the user 80 inputs personal authentication information such as a personal identification number to the store terminal 42, the store terminal 42 outputs a signal indicating personal authentication information such as a personal identification number to the IC chip of the payment card 100. When the store terminal 42 acquires a signal indicating that the authentication is successful from the payment card 100, the store terminal 42 acquires a signal indicating the card identification information of the payment card 100 output from the store terminal 42. The store terminal 42 transmits an authorization telegram of sales including the card identification information and the payment amount to the payment processing server 40.

When the payment processing server 40 receives the authority telegram transmitted from the store terminal 42, the payment processing server 40 determines whether to perform credit card payment or debit card payment based on the card identification information and the payment amount included in the authority telegram. .. In the system 10, the user 80 can register in advance priority information indicating which of credit card payment and debit card payment is prioritized in the payment using the payment card 100.

For example, it is assumed that the user 80 has registered priority information indicating that debit card payment is prioritized over credit card payment. When the payment processing server 40 receives the authorization telegram, it inquires the bank system 70 about the balance of the bank account associated with the payment card 100. The payment processing server 40 determines to perform debit card payment when the account balance received from the bank system 70 is equal to or greater than the payment amount included in the authority telegram, and notifies the store terminal 42 of the approval of the payment.

On the other hand, the payment processing server 40 determines to perform credit card payment when the account balance received from the bank system 70 is less than the payment amount included in the authority telegram. In this case, the payment processing server 40 makes a credit card payment when the credit balance for the user 80 is equal to or greater than the payment amount included in the authority telegram and the current date is before the expiration date of the payment card 100. Approve and notify the store terminal 42 of the approval of payment. When neither the debit card payment nor the credit card payment is approved, the payment processing server 40 notifies the store terminal 42 of the disapproval of the payment.

Further, when the user 80 has registered priority information that the credit card payment is prioritized over the debit card payment, when the payment processing server 40 receives the authority message, the credit balance for the user 80 becomes the authority message. When the payment amount is equal to or greater than the included payment amount and the current date is before the expiration date of the payment card 100, the credit card payment is approved and the store terminal 42 is notified of the payment approval. On the other hand, if the credit card payment cannot be approved, the payment processing server 40 inquires the bank system 70 about the balance of the bank account associated with the payment card 100. The payment processing server 40 determines to perform debit card payment when the account balance received from the bank system 70 is equal to or greater than the payment amount included in the authority telegram, and notifies the store terminal 42 of the approval of the payment. When neither the debit card payment nor the credit card payment is approved, the payment processing server 40 notifies the store terminal 42 of the disapproval of the payment.

According to the system 10, even if the account balance of the user 80 is insufficient for the payment amount, for example, the payment can be made by credit card payment. Therefore, it is possible to reduce the possibility that the product cannot be purchased due to insufficient account balance or insufficient credit balance. In addition, it is possible to reduce the possibility that the store clerk will know that the account balance or credit balance is insufficient. In addition, if the user 80 wants to make a debit card payment as much as possible, if he / she registers in advance that the debit card payment is prioritized, the credit card payment will be switched to only when the account balance is insufficient, so that the account balance will be insufficient. It is unlikely that you will be concerned about this and refrain from purchasing the product. As a result, cashless payment can be promoted.

In the system 10, the store terminal 32 is a terminal for debit card payment. It is connected to the store terminal 32. The store terminal 32 inquires the bank system 70 of the balance through the bank network 18 and requests the bank system 70 to withdraw from the bank account for immediate settlement. Further, the bank system 70 can communicate with the payment processing server 40, and can send an authority telegram to the payment processing server 40 to obtain the approval result of the credit card payment.

The case where the user 80 makes a payment through the store terminal 32 using the debit card will be described. The payment request for debit card payment is transmitted from the store terminal 32 to the bank system 70 via the network 18. When the bank system 70 receives a payment request for debit card payment from the store terminal 32, the bank system 70 confirms the balance of the bank account. The bank system 70 immediately withdraws money from the bank account when the balance of the bank account is equal to or greater than the payment request amount. When the balance of the bank account is less than the payment request amount, the payment request for credit card payment is requested from the payment processing server 40, and the approval or disapproval of the credit card payment is received from the payment processing server 40.

Further, when the bank system 70 receives the payment request from the store terminal 32, the credit card payment associated with the debit card is settled on the condition that the credit card payment is preferentially used according to the priority information. Decide to do. In this case, the banking system 70 transmits an authority telegram of the credit card payment to the payment processing server 40 that processes the payment of the credit card associated with the debit card. If the credit card payment is approved, the bank system 70 notifies the store terminal 32 that the payment has been approved. If the credit card payment is disapproved, the bank system 70 inquires the bank system 70 about the balance of the bank account, and if the balance of the bank account is equal to or greater than the payment request amount, the bank account is immediately deducted. The bank terminal 32 is notified that the payment has been approved.

In the system 10, the shared processing server 50 is connected to the store terminal 52 via the network 13. The network 13 is a secure communication line. A part of the network 13 is one of the Internet, a mobile telephone network such as so-called 3G (3rd Generation), LTE (Long Term Evolution), 4G (4th Generation) and 5G (5th Generation), a public communication network, and a dedicated network. May include. The shared processing server 50 functions as, for example, a gateway for the banking system 70 and the payment processing server 40. The shared processing server 50 may be used, for example, in a situation where payment is made using user identification information other than credit card information and debit card information. For example, the shared processing server 50 may be used in a situation where a mobile terminal such as a payment card 100 or a smartphone in which user identification information is embedded is used as a payment device. For example, the store terminal 52 reads out the user information displayed as a barcode on the payment terminal and transmits it to the shared processing server 50. Further, the store terminal 52 reads the user identification information stored in the payment device and transmits it to the shared processing server 50. The shared processing server 50 identifies the user 80 based on the user identification information, and selects credit card payment or debit card payment using the credit card information and debit card information previously associated with the user 80. And make a payment.

The shared processing server 50 can communicate with the bank system 70 to inquire about the balance of the bank account or request the bank system 70 to withdraw from the bank account for immediate settlement. Further, the shared processing server 50 can communicate with the payment processing server 40, can send a payment request to the payment processing server 40, and obtain an approval result of credit card payment. For example, when the shared processing server 50 receives a payment request from the store terminal 32, it inquires of the bank system 70 about the balance of the bank account, and if the balance of the bank account is equal to or greater than the payment request amount, the shared processing server 50 immediately withdraws from the bank account. Notifies the store terminal 52 that the payment has been approved, and if the balance of the bank account is less than the payment request amount, an authority message is sent to the payment processing server 40 to determine whether or not the credit card payment is approved. Receive from 40.

In this way, the bank system 70 and the shared processing server 50 can seamlessly switch between credit card payment and debit card payment using the payment card 100, similarly to the payment processing server 40.

FIG. 2 is a block diagram showing a functional configuration of the payment processing server 40. The payment processing server 40 includes a processing unit 180 and a storage device 190. The processing unit 180 includes a settlement request receiving unit 130, an account balance acquisition unit 110, a credit balance acquisition unit 120, a determination unit 140, a settlement processing unit 160, and a notification unit 170. The processing unit 180 is realized by a dedicated or general-purpose arithmetic processing unit such as a processor.

The storage device 190 stores information that identifies the payment card 100 used by the user 80. The storage device 190 is realized by a non-volatile storage device. The storage device 190 may be provided separately from the payment processing server 40. The processing unit 180 and the storage device 190 may be connected by a communication network. The storage device 190 may be a database system external to the credit payment processing server 40.

The storage device 190 is associated with the identification information of the payment card 100, and is for performing immediate payment from the financial account associated with the payment card 100 and credit payment based on the payment card 100. Store information. The payment card 100 is an example of a payment device. The payment device may be a mobile terminal such as a smartphone. A device that holds arbitrary information for identifying a payment means can be used as a payment device.

The payment request receiving unit 130 receives the payment request. The payment request is transmitted from, for example, the store terminal 42. The payment request receiving unit 130 may receive the payment request through the network 11. The payment request receiving unit 130 may receive the payment request through the shared processing server 50. The payment request receiving unit 130 may receive the payment request through the banking system 70.

Based on the settlement request, the account balance acquisition unit 110 acquires information indicating the balance of the financial account associated with the settlement card 100 used for settlement. A bank account is an example of a financial account. A bank account is associated with the payment card 100 in advance. The account balance acquisition unit 110 identifies the bank account associated with the identification information of the account balance acquisition unit 110 included in the settlement request, and acquires the balance of the specified bank account through the network 18.

The credit balance acquisition unit 120 acquires credit balance information indicating the balance of the credit line for credit settlement based on the settlement request. The storage device 190 stores information indicating the balance of the credit line in association with the identification information of the payment card 100. The credit balance acquisition unit 120 acquires the balance of the credit line associated with the identification information included in the settlement request based on the information stored in the storage device 190.

The determination unit 140 makes an immediate payment or a credit payment based on the information stored in the storage device 190 in association with the received payment request and the identification information of the payment card 100 used for the payment. To determine. For example, the determination unit 140 determines to perform credit settlement when the balance acquired by the account balance acquisition unit 110 is less than the settlement request amount included in the settlement request. Further, the determination unit 140 determines that the immediate settlement is performed when the balance acquired by the credit balance acquisition unit 120 is less than the settlement request amount included in the settlement request. The "credit card payment" of the present embodiment is an example of credit card payment. Further, the "debit card payment" of the present embodiment is an example of immediate payment. The settlement processing unit 160 performs credit settlement or immediate settlement according to the determination of the determination unit 140.

The notification unit 170 notifies the user 80 of the payment means determination information, which is the information for determining the respective amounts of the immediate payment and the credit payment. The notification unit 170 may notify the user 80 at least at any time of time, before payment (at the time of entering the store, etc.), and after payment. The payment method determination information is an account balance, a credit balance, or the like. The notification unit 170 may also notify the payment information stored in the storage device 190 in addition to the payment means determination information. The user temporarily suspends the payment by knowing the basis for determining one of the payment methods, immediate payment and credit card payment, on a regular basis or before payment (at the time of entering the store, etc.), and deposits the money into the bank account. Alternatively, the payment may be made again after changing various setting information. In addition, when the user finds the basis for deciding one of the payment methods, immediate payment and credit payment, after payment, he / she refers to this information and takes action to prepare for the next payment (to the bank account). You can make payments, change various setting information, etc.).

The storage device 190 stores priority information in which priority is given to immediate payment or credit payment in association with the identification information of the payment card 100. The determination unit 140 determines whether to perform immediate payment or credit payment based on the priority information stored in the storage device 190 in association with the identification information of the payment card 100 used for payment.

When the notification unit 170 determines that the credit card payment is prioritized over the credit card payment by the priority information and the decision unit 140 determines to perform the immediate payment, or the priority information gives priority to the credit card payment over the credit card payment. When the determination unit 140 decides to make a credit settlement in the case where the setting is made as such, the user 80 is notified.

The storage device 190 further stores information indicating an upper limit amount of immediate payment set by the user 80 of the payment card 100 in association with the identification information of the payment card 100. The determination unit 140 determines that the credit card settlement is performed when the upper limit of the immediate settlement is less than the settlement request amount included in the settlement request.

The storage device 190 further stores information indicating an upper limit amount of credit payment set by the user 80 of the payment card 100 in association with the identification information of the payment card 100. The determination unit 140 determines that the immediate settlement is performed when the upper limit of the credit settlement is less than the settlement request amount included in the settlement request.

The payment card 100 may be a single payment card issued to a user 80 who can perform debit card payment and credit card payment from a bank account. In this case, the priority information is set by the user 80 as to which of the debit card payment and the credit card payment is prioritized. The determination unit 140 determines that debit card payment is performed when the balance of the bank account is equal to or greater than the payment request amount included in the payment request when the debit card payment is set to be prioritized over the credit card payment. When the balance of the bank account is less than the payment request amount, it is determined that the credit card payment is performed on the condition that the balance of the credit card payment credit card for the user 80 is equal to or more than the payment request amount. The determination unit 140 performs credit card payment when the balance of the credit line of credit card payment for the user 80 is equal to or greater than the payment request amount when the credit card payment is set to be prioritized over the debit card payment. If the balance of the credit card line of credit for the user 80 is less than the payment request amount, it is decided to perform debit card payment on the condition that the balance of the bank account is more than the payment request amount. ..

As the payment device, a credit card and a debit card separately issued to the user 80 can also be used. In this case, the storage device 190 stores the corresponding information that associates the credit card identification information and the debit card identification information issued to the same user 80. When the determination unit 140 determines that the credit card will be used for payment based on the payment request, it determines that the credit card payment will be prioritized over the immediate payment, and the debit card will be used for the payment. If it is determined that, immediate payment will be prioritized over credit card payment.

When the payment device is a mobile terminal and a plurality of payment cards 100 are stored in the mobile terminal, the store terminal 52 may read the plurality of payment cards 100 and send them to the shared processing server 40. good. After the shared processing server 50 receives a plurality of payment cards 100, the determination unit 140 makes a payment to be used for payment from among a plurality of payment means using the plurality of payment cards 100 based on the order of priority. The means may be determined. The order of priority is, for example, an order such as immediate payment of A card, credit payment of B card, credit payment of A card, and immediate payment of B card.

The processing unit 180 may include an output unit (not shown) that outputs a result (settlement result) performed by the payment processing unit 160 to the store terminal. The output unit may output either the settlement result of the immediate settlement or the settlement result of the credit settlement regardless of the attribute of the store terminal (either the store terminal 42, the store terminal 32, or the store terminal 52). Specifically, when the output unit outputs the settlement result of the immediate settlement to the store terminal 42, the output unit may output the settlement amount together with the flag indicating that the immediate settlement is made. Further, when the output unit outputs the payment result of the credit card payment to the store terminal 32, the output unit may output the payment amount together with the flag indicating that the payment is made by the credit card.

FIG. 3 shows the card information stored in the storage device 190 in a table format. The card information corresponds to the card ID, type, account information, credit upper limit set amount, debit upper limit set amount, and priority setting.

"Type" indicates the card type. In FIG. 3, the card type "E" indicates that it is an integrated card. An integrated card is a card that has both a credit card payment function and a debit card payment function.

The card type "CD" indicates a credit card associated with a debit card. The user 80 can make a debit card payment by using the associated debit card using a credit card of the card type "CD". The card type "DC" indicates that the credit card is an associated debit card. The user 80 can make a credit card payment by using the associated credit card using a debit card of the card type "DC".

The card type "C" indicates that the debit card is not associated with the credit card. That is, the credit card of type "C" is a card that supports only credit card payment. The card type "D" indicates that the debit card is not associated with a credit card. That is, the debit card of type "D" is a card that supports only debit card payment.

"Account information" is information indicating a bank account for withdrawal. Bank accounts include bank accounts that are debited after the fact for credit card payments and bank accounts that are debited immediately by debit card. Note that the bank account that is associated with the same member and is debited after the credit card payment and the bank account that is immediately debited by the debit card may be the same bank account and may be different bank accounts. It may be.

"Credit upper limit set amount" indicates the upper limit of credit card payment. "Debit upper limit set amount" indicates the upper limit of debit card payment.

The "priority setting" is information indicating which payment method of credit card payment or debit card payment is prioritized. For example, "credit priority" in FIG. 3 indicates that credit card payment is prioritized. "Used card priority" indicates that it is determined whether to prioritize credit card payment or debit card payment according to the payment method of the card itself used. For example, if you are trying to make a payment using a debit card, you give priority to debit card payment, and if you are trying to make a payment using a credit card card, you give priority to credit card payment. The "used card priority" can be set for a credit card whose card type is "CD" and a debit card whose card type is "DC".

FIG. 4 shows correspondence information indicating the correspondence between the credit card and the debit card in a table format. Correspondence information associates the card ID of the credit card with the card ID of the debit card. According to the correspondence information, the credit card whose card type is "CD" in FIG. 3 and the debit card whose card type is "DC" are associated with each other.

FIG. 5 shows credit card member information in a table format. Credit card member information associates a member ID, a card ID, a card number, a usage limit, a usage balance, and an expiration date.

The "member ID" is an identifier for identifying a card member. "Card ID" indicates a credit card number. "Card number" indicates a credit card number. "Usage limit" indicates the usage limit for credit card payments by cardholders. "Expiration date" indicates an expiration date during which a credit card can be used. "Balance" indicates the current balance of credit card usage. The balance of the credit line is the difference between the usage limit and the usage balance. The balance of this credit line is the current credit card usage amount of the user.

FIG. 6 is a flowchart showing a processing procedure executed by the payment processing server 40. The processing of the flowchart of FIG. 6 is mainly executed by the processing unit 180 of the payment processing server 40. The processing of the flowchart of FIG. 6 is started when the settlement request receiving unit 130 receives the authorization telegram from the store terminal 42.

The determination unit 140 determines the payment method to be preferentially used in S502. This process will be specifically described in relation to FIG. In S504, the determination unit 140 determines whether the payment method to be preferentially used is credit card payment or debit card payment.

When the payment method to be preferentially used is credit card payment, in S506, the determination unit 140 determines whether the payment request amount is equal to or less than the upper limit set amount for credit card payment. If the determination in S506 is an affirmative determination, in S508, the determination unit 140 determines whether the settlement request amount is equal to or less than the balance of the credit line and the current date is before the expiration date. If the determination in S508 is affirmative, in S510, the determination unit 140 approves the credit card payment. Specifically, the payment processing unit 160 performs processing for credit card payment, and when the credit card payment processing is completed, the processing unit 180 transmits to the store terminal 32 that the payment has been approved.

If the determination in S506 is a negative determination, the process proceeds to S512. If the determination in S508 is a negative determination, the process proceeds to S512. In S512, the determination unit 140 determines whether the payment request amount is equal to or less than the upper limit set amount for debit card payment. If the determination in S512 is affirmative, in S514, the account balance acquisition unit 110 acquires the current balance of the bank account, and the determination unit 140 determines whether the settlement request amount is equal to or less than the bank balance. If the determination in S514 is affirmative, in S526, the settlement processing unit 160 withdraws the settlement amount from the bank account. When the withdrawal from the bank account is completed, in S528, the processing unit 180 transmits to the store terminal 32 that the payment has been approved, and the notification unit 170 notifies the user 80 that the payment has been changed to the debit card payment.

If the determination in S512 is a negative determination, in S516, the processing unit 180 transmits to the store terminal 32 that the settlement is not approved. Further, even when the determination in S514 is a negative determination, in S516, the processing unit 180 transmits to the store terminal 32 that the settlement is not approved.

When it is determined in S504 that the payment method to be preferentially used is debit card payment, in S522, the determination unit 140 determines whether the payment request amount is equal to or less than the upper limit set amount for debit card payment. If the determination in S522 is affirmative, in S524, the account balance acquisition unit 110 acquires the current balance of the bank account, and the determination unit 140 determines whether the settlement request amount is equal to or less than the bank balance. If the determination in S524 is affirmative, in S526, the settlement processing unit 160 withdraws the settlement amount from the bank account. When the withdrawal from the bank account is completed, in S528, the processing unit 180 transmits to the store terminal 32 that the payment has been approved, and the notification unit 170 notifies the user 80 that the payment has been changed to the debit card payment.

If the determination in S522 is a negative determination, in S536, the determination unit 140 determines whether the payment request amount is equal to or less than the upper limit set amount for credit card payment. If the determination in S536 is an affirmative determination, in S538, the determination unit 140 determines whether the settlement request amount is equal to or less than the balance of the credit line and the current date is before the expiration date. If the judgment of S538 is affirmative, in S510, the determination unit 140 approves the credit card payment. Specifically, the payment processing unit 160 performs processing for credit card payment, and when the credit card payment processing is completed, the processing unit 180 transmits to the store terminal 32 that the payment has been approved, and the notification unit 170. Notifies the user 80 that the payment has been changed to credit card payment.

If the determination in S536 is a negative determination, in S540, the processing unit 180 transmits to the store terminal 32 that the settlement is not approved. Further, even when the determination in S538 is a negative determination, in S540, the processing unit 180 transmits to the store terminal 32 that the settlement is not approved.

FIG. 7 is a flowchart showing a processing procedure for determining a payment means to be preferentially used. The flowchart of FIG. 7 is applied to the process of S504 of FIG.

In S602, the determination unit 140 specifies the type of payment card used by the user 80. For example, the determination unit 140 determines the type of payment card used by the user 80 by specifying the type associated with the card ID included in the payment request in the card information described in connection with FIG. Identify. In S604, the determination unit 140 determines whether the card used by the user 80 is an integrated card, a credit card, or a debit card.

In S604, when the type of payment card used is an integrated card, the payment method to be preferentially used is determined according to the priority setting stored in the card information. For example, when the priority setting of the card information in FIG. 3 is "credit card", the credit card payment is determined as the payment method to be preferentially used, and when the priority setting is "debit card", the debit card payment is preferentially used. Determine as the payment method to be used.

In S604, when the type of payment card used is a credit card, credit card payment is determined as the payment method to be preferentially used, and when the type of payment card used is a debit card, debit card payment is made. Is determined as the payment method to be used preferentially.

As a result, when the user 80 presents the debit card at the time of payment at the store, the debit card payment becomes the payment method to be preferentially used. If a credit card is presented at the time of payment, credit card payment will be the preferred payment method.

In the description of FIGS. 3 to 7, the processing executed by the payment processing server 40 has been described. However, the processing described in relation to FIGS. 3 to 7 may be executed by the bank system 70 or the shared processing server 50.

For example, in the banking system 70, when a debit card having a card type of "DC" is used, a payment request is transmitted from the store terminal 32 to the banking system 70. The bank system 70 may determine whether to make a payment by credit card payment or debit card payment by performing the same processing as the payment processing server 40 described above. In this case, the bank system 70 may check the balance of the credit line and process the credit card payment by transmitting a telegram to the payment processing server 40, if necessary.

Similarly, when the shared processing server 50 receives a payment request from the store terminal 52, the shared processing server 50 sends a telegram to the payment processing server 40 to check the balance of the credit line and process the credit card payment, and the bank system 70. You may check the balance of your bank account and perform withdrawal processing by sending a telegram to.

The "priority setting" of the card information in FIG. 3 may include information indicating the order of priority of the payment means. For example, when the user 80 holds the first card and the second card of the card type "E", the priority setting corresponding to the first card is "rank 3" as the priority of credit card payment. And the information indicating "Rank 1" as the priority of debit card payment, and the priority setting corresponding to the second card is "Rank 2" as the priority of credit card payment and the priority of debit card payment. Information indicating "rank 4" as the rank may be included. In this case, when the user 80 makes a payment through the store terminal 52 or the like using the mobile terminal storing the information of the first card and the second card, the store terminal 52 is stored in the mobile terminal. The identification information of the first card and the second card is transmitted to the shared processing server 50. The shared processing server 50 is associated with the card IDs of the first card and the second card when determining one payment method from the payment methods that can be used with the first card and the second card. The payment method is determined based on the information indicating the order of priority included in the "priority setting". For example, as described above, the priority of credit card payment of the first card is "rank 3", the priority of debit card payment of the first card is "rank 1", and the priority of the second card is "rank 1". When the priority of credit card payment is "rank 2" and the priority of debit card payment of the second card is "rank 4", the shared processing server 50 determines the debit card payment of the first card, the first. The payment method is determined in the order of the credit card payment of the second card, the credit card payment of the first card, and the debit payment of the second card. For example, when the "debit upper limit set amount" of the first card and the account balance of the withdrawal account are both equal to or greater than the payment request amount, the shared processing server 50 determines the debit card payment of the first card as the payment means. .. On the other hand, if at least one of the "debit upper limit set amount" of the first card and the account balance of the withdrawal account is less than the settlement request amount, the credit upper limit set amount and the credit line balance of the credit card settlement of the second card are If both are equal to or greater than the payment request amount, the shared processing server 50 determines the credit card payment of the second card as the payment means.

According to the system 10 described above, for example, even if the account balance is insufficient when trying to make a debit card payment, it is possible to seamlessly switch to the credit card payment on the spot. In addition, even if the credit balance is insufficient when trying to make a credit card payment, it is possible to seamlessly switch to the debit card payment on the spot. The user 80 can smoothly complete the payment. In addition, the clerk will not be informed that the balance is insufficient. Therefore, the user 80 can perform debit card payment and credit card payment without hesitation. As a result, cashless payment can be widely used.

FIG. 8 shows an example of the computer 2000 according to the present embodiment. The program installed in the computer 2000 causes the computer 2000 to function as a device such as the payment processing server 40, the banking system 70, the shared processing server 50, or each part of the device according to the embodiment, or in each part of the device. The associated operation can be performed and / or the process according to the embodiment or the stage of the process can be performed. Such a program may be executed by the CPU 2012 to cause the computer 2000 to perform specific operations associated with some or all of the processing procedures and blocks of the block diagram described herein.

The computer 2000 according to this embodiment includes a CPU 2012 and a RAM 2014, which are connected to each other by a host controller 2010. The computer 2000 also includes a ROM 2026, a flash memory 2024, a communication interface 2022, and an input / output chip 2040. The ROM 2026, the flash memory 2024, the communication interface 2022, and the input / output chip 2040 are connected to the host controller 2010 via the input / output controller 2020.

The CPU 2012 operates according to the programs stored in the ROM 2026 and the RAM 2014, thereby controlling each unit.

The communication interface 2022 communicates with other electronic devices via the network. The flash memory 2024 stores programs and data used by the CPU 2012 in the computer 2000. The ROM 2026 stores a boot program or the like executed by the computer 2000 at the time of activation, and / or a program depending on the hardware of the computer 2000. The input / output chip 2040 also allows various input / output units such as keyboards, mice and monitors to input / output units such as serial ports, parallel ports, keyboard ports, mouse ports, monitor ports, USB ports, HDMI® ports, etc. It may be connected to the input / output controller 2020 via the output port.

The program is provided via a computer-readable medium or network such as a CD-ROM, DVD-ROM, or memory card. RAM 2014, ROM 2026, or flash memory 2024 are examples of computer-readable media. The program is installed in flash memory 2024, RAM 2014, or ROM 2026 and is executed by CPU 2012. The information processing described in these programs is read by the computer 2000 and provides a link between the program and the various types of hardware resources described above. The device or method may be configured to implement the operation or processing of information in accordance with the use of computer 2000.

For example, when communication is executed between the computer 2000 and the external device, the CPU 2012 executes the communication program loaded in the RAM 2014, and performs communication processing on the communication interface 2022 based on the processing described in the communication program. You may order. Under the control of the CPU 2012, the communication interface 2022 reads the transmission data stored in the transmission buffer processing area provided in the recording medium such as the RAM 2014 and the flash memory 2024, transmits the read transmission data to the network, and transmits the read transmission data from the network. The received received data is written to the reception buffer processing area or the like provided on the recording medium.

Further, the CPU 2012 makes the RAM 2014 read all or necessary parts of the file or the database stored in the recording medium such as the flash memory 2024, and executes various kinds of processing on the data on the RAM 2014. good. The CPU 2012 then writes back the processed data to the recording medium.

Various types of information such as various types of programs, data, tables, and databases may be stored in recording media and processed for information processing. The CPU 2012 refers to the data read from the RAM 2014 in various types of operations, information processing, conditional determination, conditional branching, unconditional branching, information retrieval / described in the present specification and specified by the instruction sequence of the program. Various types of processing, including replacement, may be performed and the results are written back to RAM 2014. Further, the CPU 2012 may search for information in a file, a database, or the like in the recording medium. For example, when a plurality of entries each having an attribute value of the first attribute associated with the attribute value of the second attribute are stored in the recording medium, the CPU 2012 specifies the attribute value of the first attribute. The entry that matches the condition is searched from the plurality of entries, the attribute value of the second attribute stored in the entry is read, and the first attribute satisfying the predetermined condition is selected. You may get the attribute value of the associated second attribute.

The program or software module described above may be stored on or near a computer 2000 on a computer-readable medium. A recording medium such as a hard disk or RAM provided in a dedicated communication network or a server system connected to the Internet can be used as a computer-readable medium. A program stored on a computer-readable medium may be provided to the computer 2000 via a network.

A program installed in the computer 2000 that causes the computer 2000 to function as the payment processing server 40 may act on the CPU 2012 or the like to cause the computer 2000 to function as each part of the payment processing server 40. When the information processing described in these programs is read into the computer 2000, it functions as each part of the processing unit 180, which is a concrete means in which the software and the various hardware resources described above cooperate with each other. Then, by realizing the calculation or processing of information according to the purpose of use of the computer 2000 in the present embodiment by these specific means, a unique payment processing server 40 according to the purpose of use is constructed.

Various embodiments have been described with reference to block diagrams and the like. In the block diagram, each block may represent (1) the stage of the process in which the operation is performed or (2) each part of the device responsible for performing the operation. Specific stages and parts are implemented by dedicated circuits, programmable circuits supplied with computer-readable instructions stored on a computer-readable medium, and / or processors supplied with computer-readable instructions stored on a computer-readable medium. You can. Dedicated circuits may include digital and / or analog hardware circuits, and may include integrated circuits (ICs) and / or discrete circuits. Programmable circuits are memory elements such as logical AND, logical OR, logical XOR, logical NAND, logical NOR, and other logical operations, flip-flops, registers, field programmable gate arrays (FPGA), programmable logic arrays (PLA), etc. May include reconfigurable hardware circuits, including, etc.

The computer-readable medium may include any tangible device capable of storing instructions executed by the appropriate device, so that the computer-readable medium having the instructions stored therein is specified in the processing procedure or block diagram. Consists of at least a portion of a product that contains instructions that can be executed to provide a means to perform the performed operation. Examples of computer-readable media may include electronic storage media, magnetic storage media, optical storage media, electromagnetic storage media, semiconductor storage media, and the like. More specific examples of computer-readable media include floppy (registered trademark) disks, diskettes, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), Electrically erasable programmable read-only memory (EEPROM), static random access memory (SRAM), compact disc read-only memory (CD-ROM), digital versatile disc (DVD), Blu-ray® disc, memory stick, An integrated circuit card or the like may be included.

Computer-readable instructions are assembler instructions, instruction set architecture (ISA) instructions, machine instructions, machine-dependent instructions, microcode, firmware instructions, state-setting data, or object-oriented programming such as Smalltalk, JAVA®, C ++, etc. Contains either source code or object code written in any combination of one or more programming languages, including languages and traditional procedural programming languages such as the "C" programming language or similar programming languages. good.

Computer-readable instructions are applied locally to a general purpose computer, a special purpose computer, or the processor or programmable circuit of another programmable data processing device, or to a wide area network (WAN) such as the local area network (LAN), the Internet, etc. A computer-readable instruction may be executed to provide a means for performing the processing procedure or operation specified in the block diagram provided via). Examples of processors include computer processors, processing units, microprocessors, digital signal processors, controllers, microcontrollers and the like.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments. It will be apparent to those skilled in the art that various changes or improvements can be made to the above embodiments. Further, to the extent that there is no technical contradiction, the matters described for the specific embodiment can be applied to other embodiments. It is clear from the description of the claims that such modified or improved forms may also be included in the technical scope of the present invention.

The order of execution of operations, procedures, steps, steps, etc. in the devices, systems, programs, and methods shown in the claims, specification, and drawings is particularly "before" and "prior to". It should be noted that it can be realized in any order unless the output of the previous process is used in the subsequent process. Even if the scope of claims, the specification, and the operation flow in the drawings are explained using "first", "next", etc. for convenience, it means that it is essential to carry out in this order. It's not a thing.

10 System 11 Network 13 Network 18 Network 32 Store terminal 40 Payment processing server 42 Store terminal 50 Shared processing server 52 Store terminal 60 Store 70 Bank system 80 User 100 Payment card 110 Account balance acquisition unit 120 Credit balance acquisition unit 130 Payment request Reception unit 140 Decision unit 160 Payment processing unit 170 Notification unit 180 Processing unit 190 Storage device 2000 Computer 2010 Host controller 2012 CPU
2014 RAM
2020 Input / Output Controller 2022 Communication Interface 2024 Flash Memory 2026 ROM
2040 Input / Output Chip

Claims (10)

Payment information that stores information for performing immediate payment from a financial account associated with the payment device and information for performing credit card payment based on the payment device in association with the identification information of the payment device. Storage part and
Whether to perform the immediate payment or the credit card payment based on the received payment request and the information stored in the payment information storage unit in association with the identification information of the payment device used for the payment. A payment control device including a decision unit for making a decision. Further provided with an account balance acquisition unit for acquiring information indicating the balance of the financial account associated with the payment device used for the payment based on the payment request.
The settlement control device according to claim 1, wherein the determination unit determines to perform the credit settlement when the balance acquired by the account balance acquisition unit is less than the settlement request amount included in the settlement request. Further provided with a credit balance acquisition unit for acquiring credit balance information indicating the balance of the credit line of the credit settlement based on the settlement request.
The settlement control device according to claim 1 or 2, wherein the determination unit determines to perform the immediate settlement when the balance acquired by the credit balance acquisition unit is less than the settlement request amount included in the settlement request. The payment information storage unit stores priority information in which the immediate payment or the credit payment is prioritized in association with the identification information of the payment device.
The determination unit determines whether to perform the immediate payment or the credit card payment based on the priority information stored in the payment information storage unit in association with the identification information of the payment device used for the payment. The payment control device according to any one of claims 1 to 3 to be determined. When the decision unit decides to perform the credit settlement when the priority information is set to prioritize the immediate settlement over the credit settlement, or when the priority information determines the credit settlement over the immediate settlement. The payment control device according to claim 4, further comprising a notification unit that notifies the user of the payment device when the determination unit decides to perform the immediate payment when the priority is set. The payment information storage unit further stores information indicating the upper limit amount of the immediate payment set by the user of the payment device in association with the identification information of the payment device.
The settlement control according to any one of claims 1 to 5, wherein the determination unit determines to perform the credit settlement when the upper limit of the immediate settlement is less than the settlement request amount included in the settlement request. Device. The payment information storage unit further stores information indicating the upper limit of the credit card payment set by the user of the payment device in association with the identification information of the payment device.
The settlement control according to any one of claims 1 to 6, wherein the determination unit determines to perform the immediate settlement when the upper limit of the credit settlement is less than the settlement request amount included in the settlement request. Device. The payment device is a single payment card issued to a user who can perform debit card payment and credit card payment from a bank account, and the priority information is the debit card payment and the credit card. Which of the payments is prioritized is set by the user,
The decision unit
When the debit card payment is set to be prioritized over the credit card payment, and the balance of the bank account is equal to or greater than the payment request amount included in the payment request, it is determined that the debit card payment will be performed. When the balance of the bank account is less than the payment request amount, the credit card payment is performed on the condition that the balance of the credit card payment limit for the user is equal to or more than the payment request amount. Decide and
When the credit card payment is set to be prioritized over the debit card payment and the balance of the credit card payment for the user is equal to or greater than the payment request amount, the credit card payment is performed. When the balance of the credit card payment to the user is less than the payment request amount, the debit card payment is made on condition that the balance of the bank account is equal to or more than the payment request amount. The payment control device according to claim 4 or 5, which is determined to perform the above. It also has a corresponding information storage unit that associates the credit card identification information issued to the same user with the debit card identification information.
When the determination unit determines that the credit card will be used for payment based on the payment request, the determination unit determines that the credit payment by the credit card is prioritized over the immediate payment, and the debit card The settlement control device according to any one of claims 1 to 7, which determines that the immediate settlement is prioritized over the credit settlement when it is determined that is used for the settlement. A program for causing a computer to function as the payment control device according to any one of claims 1 to 9.

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