JP2021111177A - 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 determining settlement amounts of both a real-time settlement from a financial account related to the settlement device and a credit settlement on the basis of the settlement device. The settlement controller comprises a determination unit for determining the settlement amounts of both the real-time settlement and the credit settlement on the basis of a received settlement request and the information stored by the settlement information storage unit in association with the identification information of the settlement device used for settlement.SELECTED DRAWING: Figure 11

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 determining the respective payment amounts of immediate payment from the financial account associated with the payment device and 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. The payment control device makes payments for immediate payment and 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 payment. It has a decision unit that determines the amount.

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 the respective settlement amounts of the immediate settlement and the credit settlement based on the priority information.

The payment control device may 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 decision unit determines the settlement request amount and the financial account when the balance of the financial account is less than the settlement request amount included in the settlement request when the priority information is set to prioritize the immediate settlement over the credit settlement. The difference from the balance may be determined as the settlement amount for credit settlement.

The payment information storage unit may 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. When the priority information is set to prioritize immediate payment over credit card payment, the decision-making unit determines the payment request amount and immediate payment when the upper limit of immediate payment is less than the payment amount included in the payment request. The difference from the maximum amount may be determined as the settlement amount for credit settlement.

The payment control device may 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. When the priority information is set to prioritize credit settlement over immediate settlement, the decision unit determines the settlement request amount and credit line when the balance of the credit line is less than the payment request amount included in the payment request. The difference from the balance may be determined as the settlement amount for immediate settlement.

The payment information storage unit may 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. When the priority information is set to prioritize credit card payment over immediate payment, the decision-making unit determines the payment request amount and credit card payment when the upper limit of credit card payment is less than the payment request amount included in the payment request. The difference from the upper limit of the amount may be determined as the settlement amount for immediate settlement.

The payment information storage unit may store payment ratio information indicating the ratio of the payment amount for immediate payment and the payment amount for credit card payment in association with the identification information of the payment device. The determination unit may determine the respective settlement amounts of the immediate settlement and the credit settlement based on the settlement request amount and the settlement ratio information included in the settlement request.

The payment information storage unit may store information indicating the lower limit balance, which is the lower limit value of the balance of the financial account, in association with the identification information of the payment device. The determination unit may determine the settlement amount for immediate settlement up to the difference between the balance of the financial account and the lower limit balance, and determine the difference between the settlement request amount and the settlement amount for immediate settlement as the settlement amount for credit settlement.

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. When the decision department is set to prioritize debit card payment over credit card payment, and the balance of the bank account is greater than or equal to the payment request amount included in the payment request, the payment request amount is set to the debit card payment. When the settlement amount is determined and the balance of the bank account is less than the settlement request amount, the balance of the bank account is determined as the settlement amount of the debit card settlement, and the difference between the settlement request amount and the balance of the bank account is the credit card. It may be determined as the settlement amount of the settlement. When the determination unit 140 is set to prioritize credit card payment over debit card payment and the balance of the credit line for credit card payment to the user is equal to or greater than the payment request amount, the determination unit 140 credits the payment request amount. If the balance of the credit card payment to the user is less than the payment amount, the balance of the credit card is determined as the payment amount of the credit card payment, and the payment request amount and the credit line are determined. The difference from the balance of the debit card may be determined as the settlement amount of the debit card settlement.

The payment control device may include a corresponding information storage unit that associates the credit card identification information issued to the same user with the debit card identification information. Based on the payment request, the decision-making department decided that if the credit card was used for payment, the credit card payment would be prioritized over the immediate payment, and the debit card was used for payment. In some cases, it may be decided that immediate payment is prioritized over credit payment.

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. A screen for registering information in the payment processing server 40 is shown. The screen 700 for selecting a payment method. The setting screen 800 for setting the upper limit amount of credit card payment and debit card payment is shown. The setting screen 900 for setting the settlement ratio of credit card settlement is shown. It is a flowchart which shows the procedure of the process which the settlement processing server 40 executes. A specific example of processing when the priority setting is "debit priority" and the balance of the bank account is 50,000 yen is shown. The processing when the priority setting associated with the payment card 100 is "credit card priority" and the upper limit setting amount for credit card payment is 50,000 yen is shown. A specific example of the processing performed in the system 10 is shown. A specific example of processing when the priority setting is "debit priority" and the balance of the bank account is 50,000 yen is shown. The processing when the priority setting is "credit card priority" and the upper limit setting amount of credit card payment is 50,000 yen is shown. The processing when the settlement ratio of the credit card settlement is set to 75% is shown. 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 the payment amount for credit card payment and the payment amount for debit card payment based on the card identification information and payment amount included in the authority telegram. do. 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. When the account balance received from the bank system 70 is less than the settlement amount included in the authorization message, the settlement processing server 40 determines the account balance as the settlement amount for debit card settlement, and determines the difference between the settlement request amount and the account balance. Determined as the payment amount for credit card payment. The credit card payment processing server 40 processes the debit card payment and the credit card payment, and when the payment processing is completed, notifies the store terminal 42 of the approval of the payment.

In addition, the user 80 can register the maximum amount of payment allowed at one time. When the user 80 has registered priority information that the credit card payment is prioritized over the debit card payment and has registered the upper limit of the credit card payment, the payment processing server 40 receives the authorization message. If the credit balance and registered upper limit for user 80 are greater than or equal to the payment amount included in the authorization message and the current date is before the expiration date of the payment card 100, the registered upper limit Approve credit card payment up to. For example, when the payment request amount exceeds the upper limit amount, the registered upper limit amount is determined as the payment amount for credit card payment. Then, the difference between the payment request amount and the upper limit amount is determined as the payment amount for debit card payment. The credit card payment processing server 40 processes the debit card payment and the credit card payment, and when the payment processing is completed, notifies the store terminal 42 of the approval 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 shortage can be settled 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. Therefore, the user 80 can automatically settle the shortfall by credit card payment only by presenting the payment card 100, so that the convenience of the user 80 can be enhanced. In addition, it is unlikely that the user 80 will cancel the purchase of the product due to insufficient balance. As a result, according to the system 10, 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. When the balance of the bank account is equal to or greater than the settlement request amount, the bank system 70 immediately debits the bank account and completes the settlement. If the balance of the bank account is less than the payment request amount, the payment processing server 40 is requested to make a payment request for credit card payment in order to settle the difference between the payment request amount and the bank account balance by credit card. Make a payment.

Further, when the bank system 70 receives the payment request from the store terminal 32, the bank system 70 performs the payment of the credit card associated with the debit card when the priority information is set to preferentially use the credit card payment. To decide. 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 maximum amount for credit card payment is registered, the authority telegram will be sent up to the registered maximum amount. If the credit card payment is approved, the bank system 70 performs a process of depositing the payment amount of the credit card payment into the bank account of the user 80 and withdraws only the payment request amount from the bank account of the user 80. I do.

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 the bank system 70 about the balance of the bank account, and if the balance of the bank account is less than the payment request amount, the balance of the bank account to the bank account. Is withdrawn, and an authority message is sent to the payment processing server 40 in order to perform credit card payment for the difference between the payment request amount and the balance of the bank account.

In this way, the bank system 70 and the shared processing server 50 can perform credit card payment and debit card payment using the payment card 100 in the same manner as 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 for determining the respective payment amounts of the immediate payment from the financial account associated with the payment card 100 and the credit payment based on the payment card 100 in association with the identification information of the payment card 100. Store information. 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 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 receiving unit 130 may receive the payment request through the network 11. The payment request receiving unit 130 receives a payment request from, for example, the store terminal 42. 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. The determination unit 140 makes payments for immediate payment and credit payment, respectively, based on the received payment request and the information stored in the storage device 190 in association with the identification information of the payment card 100 used for payment. Determine the amount. The settlement processing unit 160 performs credit settlement and immediate settlement according to the settlement amount determined by the determination unit 140. When the payment by the payment processing unit 160 is completed, the notification unit 170 notifies the sender of the payment request that the payment has been approved.

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 the respective settlement amounts of the immediate settlement and the credit settlement based on the priority information. For example, the account balance acquisition unit 110 acquires information indicating the balance of the financial account associated with the settlement card 100 used for settlement based on the settlement request. 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 may specify the bank account associated with the identification information of the account balance acquisition unit 110 included in the settlement request, and acquire the balance of the specified bank account through the network 18.

The determination unit 140 determines the settlement request amount and the financial account when the balance of the financial account is less than the settlement request amount included in the settlement request when the priority information is set to prioritize the immediate settlement over the credit settlement. The difference from the balance of is determined as the settlement amount of credit settlement.

The storage device 190 may store information indicating an upper limit amount of immediate payment set by the user of the payment card 100 in association with the identification information of the payment card 100. The determination unit 140 sets the priority information to prioritize immediate settlement over credit settlement, and when the upper limit of immediate settlement is less than the settlement amount included in the settlement request, the settlement request amount and immediate settlement The difference from the maximum amount of credit card payment may be determined as the payment amount of credit card payment.

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 sets the settlement request amount and the credit line when the balance of the credit line is less than the payment request amount included in the payment request when the priority information is set to prioritize the credit payment over the immediate payment. The difference from the balance of is determined as the settlement amount for immediate settlement.

The notification unit 170 notifies the user 80 of the settlement amount determination information, which is the information for determining the respective amounts of the immediate settlement and the credit settlement. 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 settlement amount 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 amount determination information. The user temporarily suspends the settlement by knowing the basis for determining the amount of each of the immediate settlement and the credit settlement, regularly or before the settlement (at the time of entering the store, etc.), and makes a deposit to the bank account and various types. You may change the setting information and then settle again. In addition, when the user finds the basis for determining the amount of immediate payment and credit card payment after payment, he / she can refer to this information to take action to prepare for the next payment (such as depositing money into a bank account). , Change various setting information, etc.).

The storage device 190 may store information indicating an upper limit amount of credit payment set by the user of the payment card 100 in association with the identification information of the payment card 100. The determination unit 140 determines the payment request amount and the credit when the upper limit of the credit payment is less than the payment request amount included in the payment request when the priority information is set to prioritize the credit payment over the immediate payment. The difference from the maximum payment amount is determined as the payment amount for immediate payment.

The storage device 190 may store the settlement ratio information indicating the ratio of the settlement amount of the immediate settlement and the settlement amount of the credit settlement in association with the identification information of the settlement card 100. The determination unit 140 may determine the respective settlement amounts of the immediate settlement and the credit settlement based on the settlement request amount and the settlement ratio information included in the settlement request.

The storage device 190 may store information indicating a lower limit balance, which is a lower limit value of the balance of the financial account, in association with the identification information of the payment card 100. The determination unit 140 may determine the settlement amount for immediate settlement up to the difference between the balance of the financial account and the lower limit balance, and determine the difference between the settlement request amount and the settlement amount for immediate settlement as the settlement amount for credit settlement. ..

The payment card 100 may be a single payment card issued to a user who can perform debit card payment and credit card payment from a bank account. The priority information may be information set by the user as to which of debit card payment and credit card payment is prioritized. When the determination unit 140 is set to prioritize debit card payment over 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, the debit card payment is set to the payment request amount. If the balance of the bank account is less than the payment request amount, the balance of the bank account may be determined as the settlement amount of the debit card payment. Then, the determination unit 140 may determine the difference between the payment request amount and the balance of the bank account as the payment amount for credit card payment. In addition, when the determination unit 140 is set to prioritize credit card payment over debit card payment and the balance of the credit line for credit card payment to the user is equal to or greater than the payment request amount, the payment request amount Is determined as the payment amount for credit card payment, and when the balance of the credit line for credit card payment to the user is less than the payment amount, the balance of the credit line may be determined as the payment amount for credit card payment. Then, the determination unit 140 may determine the difference between the settlement request amount and the balance of the credit line as the settlement amount for debit card settlement.

The storage device 190 may associate the credit card identification information issued to the same user with the debit card identification information. When the determination unit 140 determines that the credit card has been used for payment based on the payment request, it determines that the credit card payment is prioritized over the immediate payment, and determines that the debit card has been used for payment. If so, it may be decided that the immediate settlement is prioritized over the credit settlement.

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 outputs either (or both) the settlement result of the immediate settlement and 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). You can do it. 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, credit ratio, account lower limit balance, and priority setting. "Credit upper limit set amount", "Debit upper limit set amount", "Credit ratio", "Account lower limit balance", and "Priority setting" are information for determining the respective payment amounts for debit card payment and credit payment. This is an example.

"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 "credit ratio" is information indicating the ratio of the payment amount of credit card payment to the payment amount. For example, when the credit discount is 75%, it means that 75% of the payment amount is used as the payment amount for credit card payment and the remaining 25% of the payment amount is used as the payment amount for debit card payment.

"Account lower limit balance" indicates the lower limit balance to be secured in the bank account as a debit card settlement withdrawal account. For example, if the "minimum account balance" is 50,000 yen and the payment request amount is 150,000 yen, the payment amount for debit card payment will be set even if the bank account balance is 150,000 yen. Settlement will be made at 100,000 yen and the balance of credit card payment will be 50,000 yen.

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 shows a screen for registering information in the payment processing server 40. The screens shown in FIGS. 6 to 9 may be displayed on the user terminal used by the user 80. The screens shown in FIGS. 6 to 9 are screens of the application of the mobile terminal of the user 80. The screens similar to those in FIGS. 6 to 9 may be displayed by a browser.

The screen 600 is the home screen of the application. The screen 600 displays an object 610 showing the account balance, an object 620 showing the campaign information, a button 630 for returning to the home screen, a button 640 for displaying the payment method setting screen, and other menus. Includes button 650 and for. When the position of the button 640 is pressed, the setting screen 700 shown in FIG. 7 is displayed.

FIG. 7 is a screen 700 for selecting a payment method. The screen 700 has a button 710 for instructing the setting of the upper limit of the credit card payment and the debit card payment, a button 720 for instructing the setting of the payment amount ratio of the credit card payment and the debit card payment, and the previous button 720. It includes a button 730 for returning to the screen 600, a button 740 for returning to the next screen, a button 630, a button 640, and a button 650.

When the position of the button 740 is pressed while the position of the button 710 is pressed, the setting screen 800 shown in FIG. 8 is displayed. If the position of the button 740 is pressed after the position of the button 720 is pressed, the setting screen 900 shown in FIG. 9 is displayed.

FIG. 8 shows a setting screen 800 for setting an upper limit for credit card payment and debit card payment. The setting screen 800 inputs an object 810 indicating the account balance and the credit card payment usage limit, radio buttons 820 and radio buttons 830 for selecting the preferred payment method, and the upper limit of the debit card payment payment amount. Input box 840 for inputting, input box 850 for inputting the upper limit of the payment amount for credit card payment, input box 860 for inputting the lower limit balance of the account, and button 870 for returning to the previous screen. The screen 800 includes a button 880, a button 630, a button 640, and a button 650 for registering the changed information.

When one of the radio buttons 820 and the radio button 830 is selected, the other is not selected. When the area corresponding to the radio button 820 is pressed, information indicating that debit card payment is prioritized is retained. When the area corresponding to the radio button 830 is pressed, information indicating that credit card payment is prioritized is retained.

In the input box 840, the upper limit of debit card payment can be input with the corresponding check button 842 enabled. The maximum amount of debit card payment is the maximum amount per debit card payment. The maximum amount of debit card payment may be the maximum amount of payment per day. The maximum amount of debit card payment may be the maximum amount of payment per month.

In the input box 850, the upper limit of credit card payment can be input with the corresponding check button 852 enabled. The maximum amount of credit card payment is the maximum amount per credit card payment. The maximum amount of credit card payment may be the maximum amount of payment per day. The maximum amount of credit card payment may be the maximum amount of payment per month. In addition, an amount less than the credit card usage limit can be entered as the upper limit of the credit card payment amount.

When the position of the button 880 is pressed, the information changed through the setting screen 800 is transmitted to the payment processing server 40 together with the identification information of the payment card 100. When the payment processing server 40 receives the priority setting information set by the radio button 820 and the radio button 830 from the user terminal of the user 80, the payment processing server 40 updates the priority setting of the card information. Further, when the payment processing server 40 receives the information indicating the upper limit amount input to the input box 840 and the input box 850 from the user terminal of the user 80, the payment processing server 40 sets the credit card upper limit amount and the debit card upper limit amount of the card information. Update. Further, when the payment processing server 40 receives the information indicating the account lower limit balance input in the input box 860 from the user terminal of the user 80, the payment processing server 40 updates the account lower limit balance of the card information.

FIG. 9 shows a setting screen 900 for setting a payment ratio for credit card payment. The setting screen 900 is an object 810 showing the account balance and the credit card payment usage limit, an input box 920 and an input box 930 for inputting the payment ratio, and an input for inputting the upper limit of the payment amount for debit card payment. In the box 840, the input box 850 for inputting the upper limit of the payment amount of credit card payment, the input box 860 for inputting the lower limit balance of the account, the button 970 for returning to the previous screen, and the setting screen 900. It includes a button 980, a button 630, a button 640, and a button 650 for registering the changed information.

In the input box 920, the ratio of the payment amount of the debit card payment to the payment amount can be input. In the input box 930, the ratio of the payment amount of credit card payment to the payment amount can be input. When one of the ratio of the payment amount for debit card payment and the ratio of the payment amount for credit card payment is changed, the other value is also changed in synchronization. The ratio of the settlement amount is the ratio per settlement.

The input box 840, the input box 850, and the input box 860 can input the same information as the information described in connection with FIG. Therefore, the description of the information input to the input box 840, the input box 850, and the input box 860 will be omitted.

When the position of the button 980 is pressed, the information changed through the setting screen 900 is transmitted to the payment processing server 40 together with the identification information of the payment card 100. When the payment processing server 40 receives the information indicating the ratio input to at least one of the input box 920 and the input box 930 from the user terminal of the user 80, the payment processing server 40 updates the information indicating the credit card ratio of the card information.

FIG. 10 is a flowchart showing a processing procedure executed by the payment processing server 40. The processing of the flowchart of FIG. 10 is mainly executed by the processing unit 180 of the payment processing server 40. The processing of the flowchart of FIG. 10 is started when the settlement request receiving unit 130 receives the settlement request.

The determination unit 140 determines the payment method to be preferentially used in S502. For example, it is determined whether to prioritize credit card payment or debit card payment based on the priority setting associated with the card ID included in the payment request. Specifically, if the priority setting is "credit card priority", credit card payment is prioritized as the payment method, and if the priority setting is "debit card priority", debit card payment is prioritized as the payment method. When the priority setting is "priority for card used", if the payment card 100 used for payment is a debit card, priority is given to debit card payment as a payment method, and the payment card 100 used for payment is a credit card. If so, priority is given to credit card payment as a payment method.

In S504, the determination unit 140 determines the payment amount for credit card payment and the payment amount for debit card payment. Generally, when the payment request amount is A yen and the payment amount for debit card payment is B yen, AB yen is determined as the payment amount for credit card payment. The determination unit 140 sets the payment amount for debit card payment and the payment amount for credit card payment as the payment request amount and the "credit upper limit set amount", "debit upper limit set amount", "credit ratio", and "account lower limit" of the card information. Determined based on "balance" and "priority setting".

In S506, the determination unit 140 determines whether or not the settlement amount determined in S504 can be settled. For example, the determination unit 140 determines in S504 based on the settlement request amount, the credit line balance, the bank account balance, and the "credit upper limit set amount", "debit upper limit set amount", and "account lower limit balance" of the card information. Determine whether or not the determined settlement amount can be settled.

When it is determined in S506 that payment is possible, the payment process is executed in S508, and when the payment process is completed, the sender of the payment request is notified that the payment has been approved. If it is determined in S506 that payment is not possible, the sender of the payment request is notified that the payment is not approved.

11 to 13 show specific examples of processing performed in the system 10. 11 to 13 show a case where a payment request is transmitted from the store terminal 42 to the payment processing server 40. In FIGS. 11 to 13, the settlement request amount is assumed to be 200,000 yen.

In the example of FIG. 11, it is assumed that the priority setting associated with the payment card 100 is "debit priority" and the balance of the bank account used for payment of the debit card payment is 50,000 yen. In addition, it is assumed that the upper limit set amount for debit card payment, the upper limit set amount for credit card payment, the settlement ratio for credit card payment, and the lower limit balance for the account are not set.

When the payment request receiving unit 130 receives the payment request including the identification information of the payment card 100, the priority setting of the payment card 100 is "debit priority", so that the account balance acquisition unit 110 makes a payment from the bank system 70. Acquire the balance of the bank account associated with the card 100. When the account balance acquisition unit 110 acquires the balance information of 50,000 yen from the bank system 70, the determination unit 140 determines that the payment amount for credit card payment is 150,000 yen and the payment amount for debit card payment is 50,000 yen.

The credit balance acquisition unit 120 acquires the usable amount and expiration date of the credit card payment of the payment card 100, and the usable amount (1 million yen) is 200,000 yen or more, and the current date is before the expiration date. Therefore, it is judged that credit card payment is possible. Therefore, the payment processing unit 160 requests the bank system 70 to withdraw 50,000 yen from the bank account associated with the payment card 100, and when the withdrawal is completed, makes a credit card payment of 150,000 yen. When the credit card payment is completed, the notification unit 170 notifies the store terminal 42 that the payment has been approved. By the above processing, the balance of the bank account is changed from 50,000 yen to 0 yen, and the usable amount of credit card payment of the payment card 100 is 850,000 yen.

FIG. 12 shows processing when the priority setting associated with the payment card 100 is “credit card priority” and the upper limit setting amount for credit card payment is 50,000 yen. It is assumed that the upper limit set amount for debit card payment, the settlement ratio for credit card payment, and the lower limit balance for the account have not been set. Further, it is assumed that the balance of the debit card payment withdrawal bank account of the payment card 100 is 350,000 yen.

When the payment request receiving unit 130 receives the payment request including the identification information of the payment card 100, the priority setting of the payment card 100 is "credit card priority", and the payment request amount is the upper limit setting amount of credit card payment (5). Since it exceeds (10,000 yen), the determination unit 140 determines that the payment amount for credit card payment is 50,000 yen and the payment amount for debit card payment is 150,000 yen. The credit balance acquisition unit 120 acquires the usable amount and expiration date of the credit card payment of the payment card 100, and the determination unit 140 determines that the usable amount of 1 million yen exceeds the payment amount of 50,000 yen for the credit card payment. However, since the current date is before the expiration date, it is judged that credit card payment is possible.

The account balance acquisition unit 110 acquires the balance of the bank account associated with the payment card 100 from the bank system 70. When the account balance acquisition unit 110 acquires the balance information of 350,000 yen from the bank system 70, the determination unit 140 determines that the debit card payment of 150,000 yen is possible. Therefore, the payment processing unit 160 requests the bank system 70 to withdraw 150,000 yen from the bank account associated with the payment card 100, and when the withdrawal is completed, makes a credit card payment of 50,000 yen. When the credit card payment is completed, the notification unit 170 notifies the store terminal 42 that the payment has been approved. Through the above processing, the balance of the bank account will be changed from 350,000 yen to 200,000 yen, and the usable amount of credit card payment of the payment card 100 will be 950,000 yen.

FIG. 13 shows a process when the payment ratio of credit card payment is set to 75%. It is assumed that the upper limit set amount for debit card payment, the upper limit set amount for credit card payment, and the lower limit balance for the account have not been set. Further, it is assumed that the balance of the debit card payment withdrawal bank account of the payment card 100 is 250,000 yen.

When the payment request receiving unit 130 receives the payment request including the identification information of the payment card 100, the payment ratio of the credit card payment is set to 75%, so that the determination unit 140 sets the payment amount of the credit card payment to 15. The settlement amount of 10,000 yen and debit card settlement will be decided to be 50,000 yen. The credit balance acquisition unit 120 acquires the usable amount and expiration date of the credit card payment of the payment card 100, and the determination unit 140 determines that the usable amount of 1 million yen exceeds the payment amount of 150,000 yen for the credit card payment. However, since the current date is before the expiration date, it is judged that credit card payment is possible.

The account balance acquisition unit 110 acquires the balance of the bank account associated with the payment card 100 from the bank system 70. When the account balance acquisition unit 110 acquires the balance information of 250,000 yen from the bank system 70, the determination unit 140 determines that the debit card payment of 50,000 yen is possible. Therefore, the payment processing unit 160 requests the bank system 70 to withdraw 50,000 yen from the bank account of the user 80, and when the withdrawal is completed, makes a credit card payment of 150,000 yen. When the credit card payment is completed, the notification unit 170 notifies the store terminal 42 that the payment has been approved. Through the above processing, the balance of the bank account will be changed from 250,000 yen to 200,000 yen, and the usable amount of credit card payment of the payment card 100 will be 850,000 yen.

14 to 16 show a case where a payment request is transmitted from the store terminal 32 to the bank system 70. 14 to 16 are examples in the case where the payment card 100 is a debit card. In FIGS. 14 to 16, the settlement request amount is assumed to be 200,000 yen.

In the example of FIG. 14, similarly to the example of FIG. 11, the priority setting associated with the payment card 100 is "debit priority", and the balance of the bank account used for payment of the debit card payment is 50,000 yen. It shall be. In addition, it is assumed that the upper limit set amount for debit card payment, the upper limit set amount for credit card payment, the settlement ratio for credit card payment, and the lower limit balance for the account are not set.

When the bank system 70 receives the payment request including the identification information of the payment card 100, the priority setting of the payment card 100 is "debit priority", so that the bank system 70 is the bank associated with the payment card 100. Get the balance of your account. Since the balance of the bank account associated with the payment card 100 is 50,000 yen, the bank system 70 determines that the payment amount for credit card payment is 150,000 yen and the payment amount for debit card payment is 50,000 yen. ..

The bank system 70 transmits a payment request for credit card payment of 150,000 yen to the payment processing server 40. In the payment processing server 40, the credit balance acquisition unit 120 acquires the usable amount and expiration date of the credit card payment of the payment card 100, and the usable amount (1 million yen) is 150,000 yen or more, which is the current amount. Since the date is before the expiration date, it is judged that credit card payment is possible. Therefore, the payment processing unit 160 performs a credit card payment processing of 150,000 yen, and when the credit card payment is completed, the notification unit 170 notifies the bank system 70 that the payment has been approved. When the bank system 70 receives the notification that the credit card payment of 150,000 yen is approved, the bank system 70 deposits 150,000 yen into the bank account associated with the payment card 100 and withdraws 200,000 yen from the bank account. When the withdrawal is completed, the store terminal 32 is notified that the payment has been approved. By the above processing, the balance of the bank account increases from 50,000 yen to 200,000 yen and then becomes 0 yen, and the available amount of credit card payment of the payment card 100 becomes 850,000 yen.

FIG. 15 shows processing when the priority setting associated with the payment card 100 is "credit card priority" and the upper limit setting amount for credit card payment is 50,000 yen, as in the example of FIG. .. It is assumed that the upper limit set amount for debit card payment, the settlement ratio for credit card payment, and the lower limit balance for the account have not been set. Further, it is assumed that the balance of the debit card payment withdrawal bank account of the payment card 100 is 350,000 yen.

When the bank system 70 receives a payment request including the identification information of the payment card 100, the priority setting of the payment card 100 is "credit card priority", and the payment request amount is the upper limit setting amount of credit card payment (50,000 yen). ), The bank system 70 determines that the payment amount for credit card payment is 50,000 yen and the payment amount for debit card payment is 150,000 yen.

The banking system 70 acquires the balance of the bank account associated with the payment card 100. Since the balance of the bank account is 350,000 yen, the bank system 70 determines that a debit card payment of 150,000 yen is possible. Therefore, the bank system 70 transmits a payment request for credit card payment of 50,000 yen to the payment processing server 40. In the payment processing server 40, the credit balance acquisition unit 120 acquires the usable amount and expiration date of the credit card payment of the payment card 100, and the determination unit 140 setstles the credit card payment with the available amount of 1 million yen. Since the amount does not exceed 50,000 yen and the current date is before the expiration date, it is judged that credit card payment is possible. Therefore, the payment processing unit 160 performs a credit card payment processing of 50,000 yen, and when the credit card payment is completed, the notification unit 170 notifies the bank system 70 that the payment has been approved.

When the bank system 70 receives the notification that the credit card payment of 50,000 yen is approved, the bank system 70 deposits 50,000 yen into the bank account associated with the payment card 100 and withdraws 200,000 yen from the bank account. When the withdrawal is completed, the bank system 70 notifies the store terminal 32 that the payment has been approved. Through the above processing, the balance of the bank account increases from 350,000 yen to 400,000 yen and then becomes 200,000 yen, and the usable amount of credit card payment of the payment card 100 becomes 950,000 yen.

FIG. 16 shows a process when the payment ratio of credit card payment is set to 75%, as in the example of FIG. It is assumed that the upper limit set amount for debit card payment, the upper limit set amount for credit card payment, and the lower limit balance for the account have not been set. Further, it is assumed that the balance of the debit card payment withdrawal bank account of the payment card 100 is 250,000 yen.

When the bank system 70 receives the payment request including the identification information of the payment card 100, the payment ratio of the credit card payment is set to 75%, so that the bank system 70 sets the payment amount of the credit card payment to 150,000 yen. , The settlement amount of debit card settlement is decided to be 50,000 yen. The banking system 70 acquires the balance of the bank account associated with the payment card 100. Since the balance of the bank account associated with the payment card 100 is 50,000 yen, it is judged that 150,000 yen can be withdrawn from the bank account.

Therefore, the bank system 70 transmits a payment request for credit card payment of 150,000 yen to the payment processing server 40. In the payment processing server 40, the credit balance acquisition unit 120 acquires the usable amount and expiration date of the credit card payment of the payment card 100, and the determination unit 140 setstles the credit card payment with the available amount of 1 million yen. Since the amount does not exceed 150,000 yen and the current date is before the expiration date, it is judged that credit card payment is possible. Therefore, the payment processing unit 160 performs a credit card payment processing of 150,000 yen, and when the credit card payment is completed, the notification unit 170 notifies the bank system 70 that the payment has been approved. When the bank system 70 receives the notification that the credit card payment of 150,000 yen is approved, the bank system 70 deposits 150,000 yen into the bank account associated with the payment card 100 and withdraws 200,000 yen from the bank account. When the withdrawal is completed, the store terminal 32 is notified that the payment has been approved. Through the above processing, the balance of the bank account increases from 250,000 yen to 400,000 yen and then becomes 200,000 yen, and the usable amount of credit card payment of the payment card 100 becomes 850,000 yen.

The process executed by the payment processing server 40 has been described with reference to FIGS. 3 to 16. In particular, in relation to FIGS. 3 to 13, the processing when the payment processing server 40 receives the payment request from the store terminal 42 has been described. However, the bank system 70 or the shared processing server 50 may execute the same processing as the processing of the payment processing server 40. For example, as described in connection with FIGS. 14 to 16, the banking system 70 is similar to the payment processing server 40 described in FIGS. 13 to 16 in response to receiving the payment request for debit card payment. It can be seen that by performing the processing, the same processing result as the payment processing described with reference to FIGS. 13 to 16 can be obtained.

Similarly, when the shared processing server 50 receives a payment request from the store terminal 52, it communicates with the payment processing server 40 to check the balance of the credit line and process the credit card payment, and communicates with the bank system 70. By confirming the balance of the bank account and performing the withdrawal processing, the same processing as that of the payment processing server 40 can be realized.

According to the system 10 described above, for example, when trying to make a debit card payment, even if the account balance is insufficient, if the shortage can be settled by credit card payment, the store terminal is notified of the approval of the payment. Is sent. In addition, even if the credit balance is insufficient when trying to make a credit card payment, if the shortage can be settled by debit card payment, a payment approval notification is sent to the store terminal. Therefore, the user 80 does not have to change the payment method or cancel the purchase of the product. As described above, according to the system 10, debit card payment and credit card payment can be performed in one transaction with one card, so that convenience for stores and users can be enhanced. As a result, cashless payments can be widely used.

Further, according to the system 10, for example, when it is desired to avoid credit card payment as much as possible, a debit card can be set as a payment means preferentially used. Therefore, it is possible to set so that credit card payment is not performed as much as possible while obtaining high convenience as described above. In addition, since the ratio of the payment amount of credit card payment and debit card payment, the upper limit amount of debit card payment, and the lower limit amount of account can be set, it is possible to suppress a large decrease in the account balance due to debit card payment. As a result, for example, when there is an account withdrawal other than card payment, it is possible to prevent the withdrawal from being impossible due to insufficient balance.

FIG. 17 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 600 Screen 610 Object 620 Object 630 Button 640 Button
650 button 700 screen
710 button 720 button
730 button 740 button
800 setting screen 810 object
820 Radio button 830 Radio button 840 Input box 842 Check button 850 Input box 852 Check button 860 Input box 870 button
880 Button 900 Setting screen 920 Input box 930 Input box
970 button
980 Button 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 (11)

Payment information that stores information for determining the respective payment amounts of immediate payment from a financial account associated with the payment device and credit card payment based on the payment device in association with the identification information of the payment device. Storage unit and
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 payment, the respective payment amounts of the immediate payment and the credit payment are set. A payment control device including a decision unit for making a decision. 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 settlement control device according to claim 1, wherein the determination unit determines the respective settlement amounts of the immediate settlement and the credit settlement based on the priority information. 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.
When the decision unit is set to prioritize the immediate settlement over the credit settlement by the priority information, and the balance of the financial account is less than the settlement request amount included in the settlement request, the determination unit said. The settlement control device according to claim 2, wherein the difference between the settlement request amount and the balance of the financial account is determined as the settlement amount of the credit settlement. The payment information storage unit 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.
When the decision unit is set to prioritize the immediate settlement over the credit settlement by the priority information, and the upper limit of the immediate settlement is less than the settlement amount included in the settlement request, the determination unit said. The settlement control device according to claim 2, wherein the difference between the settlement request amount included in the settlement request and the upper limit amount of the immediate settlement is determined as the settlement amount of the credit settlement. 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 determination unit is set to prioritize the credit settlement over the immediate settlement by the priority information, and when the balance of the credit line is less than the settlement request amount included in the settlement request, the determination unit said. The settlement control device according to claim 2 or 3, wherein the difference between the settlement request amount and the balance of the credit line is determined as the settlement amount for the immediate settlement. The payment information storage unit 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 determination unit is set to prioritize the credit settlement over the immediate settlement by the priority information, and when the upper limit of the credit settlement is less than the settlement request amount included in the settlement request. The settlement control device according to any one of claims 2 to 5, wherein the difference between the settlement request amount and the upper limit amount of the credit settlement is determined as the settlement amount for the immediate settlement. The payment information storage unit stores payment ratio information indicating the ratio of the payment amount of the immediate payment and the payment amount of the credit payment in association with the identification information of the payment device.
The settlement control device according to claim 1, wherein the determination unit determines the respective settlement amounts of the immediate settlement and the credit settlement based on the settlement request amount included in the settlement request and the settlement ratio information. The payment information storage unit stores information indicating a lower limit balance, which is a lower limit value of the balance of the financial account, in association with the identification information of the payment device.
The determination unit determines the settlement amount of the immediate settlement up to the difference between the balance of the financial account and the lower limit balance, and determines the difference between the settlement request amount included in the settlement request and the settlement amount of the immediate settlement. The settlement control device according to any one of claims 1 to 7, which is determined as the settlement amount of the credit settlement. 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, the payment request amount is set to the debit card. It is determined as the settlement amount of the settlement, and when the balance of the bank account is less than the settlement request amount, the balance of the bank account is determined as the settlement amount of the debit card settlement, and the settlement request amount and the bank account The difference from the balance is determined as the payment amount for the credit card payment.
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 payment request amount is set. When the balance of the credit card payment to the user is less than the payment amount, the balance of the credit card payment is determined as the payment amount of the credit card payment. The payment control device according to any one of claims 2, 3, and 5, wherein the difference between the payment request amount and the balance of the credit card is determined as the payment amount for the debit card payment. 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 has been 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 determines. The payment control device according to any one of claims 1 to 6, which determines that the immediate payment is prioritized over the credit payment when it is determined that the payment has been used. A program for causing a computer to function as the payment control device according to any one of claims 1 to 10.

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