JP2022133070A - Aggregate settlement device, aggregate settlement method and aggregate settlement program - Google Patents

Abstract

To provide an aggregate settlement device, an aggregate settlement method and an aggregate settlement program with which it is possible to collectively utilize a plurality of funding sources collectively for one payment.SOLUTION: An information processing system comprises an aggregate settlement device 100, a user terminal 200, an external settlement device 300 and an affiliated store device 400. When having received an indication for payment by a plurality of funding sources from the user terminal 200, the aggregate settlement device 100 determines the plurality of funding sources to make payment and the use amount or point of each funding source, on the basis of a payment amount and the upper limit of appropriation and the order of appropriation per funding source.SELECTED DRAWING: Figure 1

Description

The present disclosure relates to an aggregate payment device, an aggregate payment method, and an aggregate payment program.

With the spread of electronic money, there are various types of electronic money. A user does not need to select one electronic money, and often uses a plurality of electronic money.

In addition, depending on the service, it is also possible to charge electronic money with points, virtual currency, or cash in a bank account, which are given when the user makes a purchase. In this way, users can pay for products and services using various funding sources (funds for payment) without having to carry cash.

JP 2019-149136 A

However, depending on the type of electronic money and points, the shops and services that can be used differ, and the amount that can be used at one time is fixed, so it is possible that the balance of multiple electronic money and points will remain little by little. be. Also, depending on the type of points, an expiration date may be set, and the points may expire without being used. Therefore, there is a need to collectively use a plurality of electronic money or points for one payment.

Therefore, in one aspect, it is an object to provide an aggregated payment device, an aggregated payment method, and an aggregated payment program that can collectively use a plurality of funding sources for one payment.

According to the present disclosure, a reception unit that receives from a first computer user's payment instructions from a plurality of funding sources; and a settlement unit that requests a plurality of second computers to make settlements for the payment instructions when settlement is possible for all of the plurality of funding sources. There is provided an aggregate payment device for

In addition, according to the present disclosure, the aggregation payment device receives from the first computer user's payment instructions from a plurality of funding sources, and responds to each of the plurality of funding sources as to whether or not payment can be made in response to the payment instructions. confirming with the plurality of second computers that the payment is made, and if settlement is possible for all of the plurality of funding sources, executing processing of requesting the plurality of second computers to settle the payment in response to the payment instruction. An aggregated payment method is provided.

In addition, according to the present disclosure, the aggregation payment device receives user payment instructions from a plurality of funding sources from the first computer, and determines whether or not the payment instruction can be settled for each of the plurality of funding sources. confirming with a plurality of second computers that the payment is made, and if settlement is possible with respect to all of the plurality of funding sources, a process of requesting the plurality of second computers to settle the payment in response to the payment instruction is executed. A centralized payment program is provided.

In one aspect, multiple funding sources can be combined into one payment.

It is a figure which shows the structural example of the information processing system which concerns on this embodiment. 2 is a block diagram showing a functional configuration example of the aggregation settlement apparatus 100 according to this embodiment; FIG. FIG. 4 is a diagram showing an example of aggregate settlement by multi-funding sources according to the present embodiment; 4 is a flowchart showing the flow of aggregate settlement processing according to the present embodiment; 2 is a block diagram showing a hardware configuration example of the aggregation settlement apparatus 100 according to this embodiment; FIG.

The present embodiment will be described in detail below with reference to the drawings. In addition, in this specification and the drawings, substantially the same portions are denoted by the same reference numerals, thereby omitting redundant explanations.

Note that the description will be given in the following order.
1. Embodiment 1.1. System configuration example 1.2. Functional configuration example 1.3. Overview of functions 1.4. Function flow 2 . Hardware configuration example 3 . Conclusion 4. effect

<1. embodiment>
<<1.1. System configuration example >>
First, a configuration example of an information processing system according to this embodiment will be described. FIG. 1 is a diagram showing a configuration example of an information processing system according to this embodiment. As shown in FIG. 1, the information processing system includes an aggregate settlement device 100, a user terminal 200, external settlement devices 300-1 to 300-n (n is an arbitrary integer, hereinafter collectively referred to as "external settlement devices 300"). ), and merchant device 400 . As shown in FIG. 1, an aggregation payment device 100, a user terminal 200, an external payment device 300, and a member store device 400 are connected via a network N so as to be able to communicate with each other. The network N can employ various communication networks such as the Internet, regardless of whether they are wired or wireless.

The aggregate payment apparatus 100 is, for example, a computer managed by a service provider that provides the aggregate payment service according to this embodiment. When receiving payment instructions from a plurality of funding sources from the user terminal 200, the aggregated payment apparatus 100 makes payments with the plurality of funding sources based on the payment amount and the upper limit and order of allocation for each funding source. , determines the usage amount or points for each funding source.

Then, the aggregate payment device 100 confirms whether or not payment can be made with the corresponding external payment device 300 for each determined funding source. request payment to As a result, payment is made from the user to the service provider of the consolidated payment service.

Further, when the settlement for each of the external settlement devices 300 is completed, the aggregated settlement device 100 executes payment processing to the member store device 400, which is the payment destination, based on the payment instruction. As a result, payment is made from the service provider of the consolidated payment service to the member store, which is the payee. The payment to the member store device 400 may be made in real time when a payment instruction is received from the user terminal 200, or may be made afterward.

Note that the aggregate payment apparatus 100 may be a cloud server apparatus managed by a cloud computing service provider, or may be a distributed computing system composed of a plurality of computers. Details of the functional configuration of the aggregate settlement apparatus 100 will be described later.

A user terminal 200 is a terminal owned and used by a user. The user terminal 200 may be a mobile terminal such as a smart phone or a tablet PC (Personal Computer), or may be a desktop PC or notebook PC installed at the user's home or the like.

The user uses the user terminal 200 to input payment instructions from a plurality of funding sources via an application provided by the aggregate settlement device 100 or the like and installed on the user terminal 200 .

The external payment device 300 is a computer managed by a payment service company or the like that provides an external payment service other than the service provider that provides the consolidated payment service. There may be a plurality of external payment devices 300 such as external payment devices 300-1 to 300-n for each payment service company.

The external payment device 300 executes a balance inquiry in response to a request from the aggregation payment device 100 and returns to the aggregation payment device 100 the amount of funding sources held by the user and the balance of points. In addition, the external settlement device 300 executes a credit inquiry (authorization) to the user in response to a request from the aggregated settlement device 100, and replies whether or not the settlement is possible.

It should be noted that the external payment device 300 does not need to recognize whether the user's payment is made by a plurality of funding sources. Withdraw the amount or points for use from That is, each external payment device 300 executes a single payment requested by the aggregate payment device 100 in the same manner as a normal payment.

The member store device 400 is a computer managed by a store participating in the payment service provided by the external payment device 300 . The member store device 400 accepts payment from the aggregate settlement device 100 and requests the external settlement device 300 for settlement. As a result, payment is made from the service provider of the consolidated payment service to the member store.

Note that FIG. 1 shows the information processing system according to the present embodiment to include four types of information processing devices: an aggregation payment device 100, a user terminal 200, an external payment device 300, and a member store device 400. . However, the information processing system according to the present embodiment may include other information processing devices depending on the usage pattern, or may be configured by further distributing the aggregate settlement device 100 and the like to a plurality of devices.

<<1.2. Functional configuration example >>
Next, a functional configuration example of the aggregation settlement apparatus 100 according to this embodiment will be described. FIG. 2 is a block diagram showing a functional configuration example of the aggregation settlement apparatus 100 according to this embodiment. As shown in FIG. 2 , the aggregation payment device 100 according to this embodiment includes a storage unit 110 , a reception unit 120 , an acquisition unit 130 , a determination unit 140 , a confirmation unit 150 , a payment unit 160 and a control unit 170 .

(storage unit 110)
The storage unit 110 according to this embodiment is a storage area for temporarily or permanently storing various programs and data. The storage unit 110 may store programs and data for the aggregation payment apparatus 100 to execute various functions. As a specific example, the storage unit 110 stores programs and data for providing users with an aggregated payment service according to the present embodiment, data related to users and funding sources, and various settings. management data and the like may be stored. Of course, the above is just an example, and the storage unit 110 can store various information without limiting the type of data to be stored. The storage unit 110 is an example of a storage device, such as a memory or a hard disk.

(Reception unit 120)
The receiving unit 120 according to this embodiment receives from the user terminal 200 user's payment instructions from a plurality of funding sources. It should be noted that a plurality of funding sources for settlement in response to the payment instruction and the usage amount or points of each funding source may be indicated in the payment instruction.

(Acquisition unit 130)
The acquisition unit 130 according to the present embodiment associates the amount of money or the point balance for each of a plurality of funding sources held by the user who is the payer of the payment instruction received by the reception unit 120 with each funding source. A request is made to the external settlement device 300 to acquire it.

(Determination unit 140)
The determination unit 140 according to the present embodiment, based on the payment amount for the payment instruction received by the reception unit 120 and the allocation upper limit for each of the plurality of funding sources, a plurality of funding sources that settle for the payment instruction, and Determine the usage amount or points for each funding source.

Note that if the payment instruction specifies a plurality of funding sources to be used for payment and the usage amount or points for each funding source, the determination unit 140 determines, according to the payment instruction, the funding sources to be used for payment, and determine the usage amount or points.

Also, the allocation upper limit is the balance of the amount or points for each of the plurality of funding sources held by the user. Alternatively, the upper limit of allocation may be set by the user, and even if the balance exceeds the upper limit set by the user, the amount or points are allocated within the upper limit set by the user. In this way, the determining unit 140 performs control so as not to apply more money or points than the upper limit of appropriation.

Further, the determination unit 140 compares the balance obtained in advance with the balance obtained in response to the payment instruction, and if they do not match, determines that settlement for the payment instruction is not possible. This is so-called exclusive control, and is intended to prevent the balance from becoming negative due to the settlement of the balance that has already been withdrawn by another process. Therefore, the determination unit 140 compares the balance acquired immediately before the payment request and the balance acquired in advance, and if they do not match, determines that the balance has already been withdrawn by another process, and executes the payment. control not to do so.

In addition, the determination unit 140 may determine a plurality of funding sources for settlement based on the order of allocation to the plurality of funding sources. Note that the upper limit of allocation and the order of allocation to a plurality of funding sources can also be set in advance by the user. In addition, the upper limit of allocation and the order of allocation may be set for each store or service used by the user. When determining the funding sources for the funds, the allocation upper limit and the allocation order may be determined each time.

(Confirmation unit 150)
The confirmation unit 150 according to the present embodiment confirms with the external payment device 300 corresponding to each funding source determined by the determination unit 140 whether or not the payment instruction received by the reception unit 120 can be settled.

(Settlement unit 160)
The settlement unit 160 according to the present embodiment requests the external settlement device 300 corresponding to each funding source to make a settlement for the payment instruction when settlement is possible for all of the plurality of funding sources. Further, in this case, the payment unit further executes payment processing to member store device 400, which is the payment destination, based on the payment instruction.

(control unit 170)
The control unit 170 according to the present embodiment is a processing unit that manages the aggregated payment apparatus 100 as a whole, and controls each component included in the aggregated payment apparatus 100 .

The functional configuration example of the aggregation settlement apparatus 100 according to the present embodiment has been described above. The functional configuration described above with reference to FIG. 2 is merely an example, and the functional configuration of the aggregation settlement apparatus 100 according to the present embodiment is not limited to such an example. For example, the aggregation payment apparatus 100 does not necessarily have all of the configuration shown in FIG. Further, the aggregation payment apparatus 100 may have multiple configurations as one configuration. The functional configuration of the aggregation settlement apparatus 100 according to this embodiment can be flexibly modified according to specifications and operations.

In addition, the function of each component is stored in a ROM (Read Only Memory) or a RAM (Random Access Memory) that stores a control program that describes the processing procedure for an arithmetic unit such as a CPU (Central Processing Unit) to realize these functions. A control program may be read out from a storage medium, and the program may be interpreted and executed. Therefore, it is possible to appropriately change the configuration to be used according to the technical level at which the present embodiment is implemented. Also, an example of the hardware configuration of the aggregation settlement apparatus 100 will be described later.

<<1.3. Function overview＞＞
Next, with reference to FIG. 3, the aggregated payment service (aggregated payment function) executed by the aggregated payment apparatus 100 according to the present embodiment will be described. FIG. 3 is a diagram showing an example of aggregate settlement by multi-funding sources according to the present embodiment.

FIG. 3 illustrates, for example, a case where the user makes a purchase worth 1,500 yen and makes payments using a plurality of funding sources. The user terminal 200 is preinstalled with an application for using the aggregate payment service provided by the aggregate payment apparatus 100 or the like.

First, the user designates payment by a plurality of funding sources as a payment method via the user terminal 200 . At this time, a plurality of funding sources to be used for payment and the usage amount or points of each funding source may be designated together.

When the user designates a funding source for settlement, for example, an application displayed on the display of the user terminal 200 may display icons of funding sources available to the user. This allows users to see available funding sources and designate them as payment methods.

In addition, the application may display the amount of money or point balance of each funding source held by the user. As a result, the user can grasp the balance of each funding source and specify which funding source and how much money and points to use for payment.

Next, when the user designates payment by a plurality of funding sources as the payment method, the user terminal 200 transmits a payment instruction to the aggregate settlement device 100 . In addition, when a plurality of funding sources for settlement and usage amounts or points of each funding source are designated, the user terminal 200 can instruct each designation together in the payment instruction.

Next, when the aggregated payment apparatus 100 receives the payment instruction, as shown in the balloon of the aggregated payment apparatus 100 in FIG. Or decide points.

In the example of FIG. 3, the funding source (1) is the first funding source in the order of allocation, and 500 yen out of the 3120 yen holding amount has been determined as the usage amount. This amount of 500 yen is the upper limit of allocation to the funding source (1) preset by the user.

Note that the upper limit of appropriation does not necessarily have to be specified by the user. If the upper limit of allocation is not specified by the user, the upper limit of allocation is the balance of the amount or points held by the user for each funding source, and is obtained from the external payment device 300 corresponding to each funding source.

However, even if the upper limit of allocation is specified by the user, the aggregation settlement apparatus 100 controls so that the amount or points larger than the balance are not allocated. Alternatively, when the user uses the user terminal 200 to specify the usage amount or points, control may be performed so that the amount or points cannot be set more than the balance.

Further, the funding sources (6) to (8) are points (P) rather than amounts, and in the example of FIG. 3, 1P=1 yen, and the points to be used are determined within the allocation upper limit.

Note that when the funding source for settlement is specified by the user in the payment instruction, the determining unit 140 determines the funding source for settlement and the amount of money or points to be used according to the payment instruction.

On the other hand, if the funding source for settlement is not specified in the payment instruction, the determination unit 140 determines the funding source for settlement based on the payment amount and the allocation upper limit and allocation order for each of the plurality of funding sources. payment source, and usage amount or points. The payment amount is indicated in the payment instruction.

More specifically, as shown in the balloon of the aggregate payment apparatus 100 in FIG. 3, the amount of money used or points are determined within the upper limit of allocation for the amount of payment. In the example of FIG. 3, the centralized settlement apparatus 100 allocates 500 yen, 209 yen, 120 yen, . Until the amount reaches 1,500 yen, the funding sources for settlement will be determined.

In the example of FIG. 3, eight types of funding sources were determined as funding sources for settlement, so only eight types of funding sources are shown. However, it is not limited to eight types.

Next, when the funding sources for settlement are determined, the aggregate settlement device 100 confirms with the external settlement device 300 corresponding to each funding source whether or not settlement with the amount of money or points for each funding source is possible. .

Before confirming whether or not the payment is possible, the balance of the amount of money or points held by the user for each funding source can be obtained from each of the external payment devices 300 and can be compared with the previously obtained balance. As a result, if the balances do not match, the aggregate payment apparatus 100 can determine that payment cannot be made in response to the payment instruction without confirming with each of the external payment apparatuses 300 whether or not payment can be made. It is not necessary to apply an extra load to each of

Then, when settlement is possible for all funding sources, the aggregated settlement apparatus 100 requests settlement for each funding source. In addition, the aggregate payment device 100 executes payment processing to the member store device 400, which is the payment destination.

<<1.4. Function Flow>>
Next, with reference to FIG. 4, a procedure of aggregate settlement processing according to this embodiment will be described. FIG. 4 is a flowchart showing the flow of aggregate settlement processing according to this embodiment. In the aggregated payment processing shown in FIG. 4, the user uses the user terminal 200 to access an application or website provided by the aggregated payment apparatus 100 or the like in order to make a payment when purchasing a product or using a service. Then, the user terminal 200 displays a user interface (UI) for logging in and using the aggregate payment service.

First, as shown in FIG. 4, the user designates payment by a plurality of funding sources as a payment method via the user terminal 200 (step S101). The payment amount and payment destination may be already specified by data linkage in the case of purchasing products at an online shop, etc., or may be specified by reading a QR code (registered trademark) before or after step S101. good.

Next, the user terminal 200 transmits payment instructions from a plurality of funding sources to the aggregate settlement device 100 (step S102). At this time, the user terminal 200 transmits to the aggregation settlement apparatus 100 the payment amount, the plurality of funding sources for payment specified by the user, and the usage amount or points of each funding source. can also

In addition, the designation of the funding source for payment is, for example, displayed on the UI for using the consolidated payment service, the funding sources currently available to the user and the amount of money or point balance held by the user. is specified by the user based on the display contents of

Next, if the aggregation settlement apparatus 100 has not received payment instructions from a plurality of funding sources from the user terminal 200 (step S103: No), it waits for receipt of payment instructions. On the other hand, if a payment instruction has been received (step S103: Yes), the aggregation payment device 100 determines a plurality of funding sources for settlement in response to the payment instruction and the amount of money or points used for each funding source (step S104). .

It should be noted that the determination of the funding source for settlement in step S104 follows the payment instruction if specified in the payment instruction received in step S103. On the other hand, if not specified in the payment instruction, the funding source for settlement and the usage amount or points are determined based on the payment amount, the allocation upper limit for each of the plurality of funding sources, and the allocation order.

Next, the aggregate payment device 100 acquires the amount of money and point balance of each funding source owned by the user from the external payment device 300 corresponding to each funding source determined in step S104 (step S105). Strictly speaking, the balance inquiry is executed by the external settlement device 300 and the obtained balance is transmitted to the aggregation settlement device 100 .

Next, the aggregated payment apparatus 100 compares the balance obtained in step S105 with the balance obtained in advance when the user activates an application or the like to execute the aggregated payment processing shown in FIG. and check (step S106).

As a result of comparing the balances in step S106, if the balance acquired in step S105 and the balance acquired in advance do not match (step S107: No), the aggregation payment device 100 will send an error message to the user terminal indicating that payment is impossible. 200 (step S108).

Next, if the user terminal 200 has not received an error message from the aggregation settlement apparatus 100 (step S109: No), it waits for an error message. On the other hand, when an error message is received (step S109: Yes), the user terminal 200 displays the error message on the display, for example (step S110).

After step S110, the aggregated payment processing shown in FIG. 4 ends, but the user can check the error content by the error message and start over again from the transmission of the payment instruction (step S102).

On the other hand, as a result of comparing the balances in step S106, if the balance acquired in step S105 and the balance acquired in advance match (step S107: Yes), the aggregation settlement apparatus 100 will select each fan determined in step S104. It confirms with the external payment device 300 corresponding to each funding source whether or not payment can be made for the funding source (step S111). After that, the external settlement device 300 executes a credit inquiry to the funding source and replies whether or not the settlement is possible.

As a result of confirming whether or not settlement is possible in step S111, if there is at least one funding source for which settlement is not possible among the plurality of funding sources determined in step S104 (step S112: No), the aggregation settlement device 100 An error message is sent to the user terminal 200 indicating that the settlement is impossible (step S108).

On the other hand, as a result of confirming whether or not the settlement is possible in step S111, if settlement is possible for all funding sources determined in step S104 (step S112: Yes), the aggregation settlement device 100 performs the following for each funding source: Payment is requested to the external payment device 300 corresponding to each funding source (step S113). As a result, the used amount or points are withdrawn from the amount or point balance held by the user in the external payment device 300 .

Next, the aggregate payment device 100 executes payment processing to the member store device 400, which is the payment destination, based on the payment instruction (step S114). After execution of step S114, the aggregate settlement process shown in FIG. 4 ends.

After the aggregate payment processing shown in FIG. 4 is completed, for example, if the user returns the purchased product and cancels the sale, the aggregate payment apparatus 100 can be controlled not to accept the cancellation. Alternatively, in this case, the aggregated payment apparatus 100 can rollback all or part of the aggregated payment processing shown in FIG. 4 to return each funding source to its original state.

<2. Hardware configuration example>
Next, a hardware configuration example of the aggregation settlement apparatus 100 according to this embodiment will be described. FIG. 5 is a block diagram showing a hardware configuration example of the aggregation settlement apparatus 100 according to this embodiment. Referring to FIG. 5, the aggregation payment apparatus 100 includes, for example, a processor 801, a ROM 802, a RAM 803, a host bus 804, a bridge 805, an external bus 806, an interface 807, an input device 808, and an output device 809. , a storage 810 , a drive 811 , a connection port 812 , and a communication device 813 . Note that the hardware configuration shown here is an example, and some of the components may be omitted. Moreover, it may further include components other than the components shown here. Note that the user terminal 200, the external payment device 300, and the member store device 400, which are devices other than the aggregation payment device 100 according to the present embodiment, also have the same or similar configuration as the hardware configuration example shown in FIG. be able to.

(processor 801)
The processor 801 functions, for example, as an arithmetic processing device or a control device, and controls the overall operation or part of each component based on various programs recorded in the ROM 802, the RAM 803, the storage 810, or the removable recording medium 901. .

(ROM802, RAM803)
The ROM 802 is means for storing programs to be read into the processor 801 and data used for calculations. The RAM 803 temporarily or permanently stores, for example, a program to be read into the processor 801 and various parameters that appropriately change when the program is executed.

(Host bus 804, bridge 805, external bus 806, interface 807)
The processor 801, ROM 802, and RAM 803 are interconnected via, for example, a host bus 804 capable of high-speed data transmission. On the other hand, the host bus 804 is connected, for example, via a bridge 805 to an external bus 806 with a relatively low data transmission speed. Also, the external bus 806 is connected to various components via an interface 807 .

(Input device 808)
For example, a mouse, keyboard, touch panel, button, switch, and lever are used as the input device 808 . Furthermore, as the input device 808, a remote controller (hereinafter referred to as a remote controller) capable of transmitting control signals using infrared rays or other radio waves may be used. The input device 808 also includes a voice input device such as a microphone.

(output device 809)
The output device 809 is, for example, a display device such as a CRT (Cathode Ray Tube), an LCD, or an organic EL, an audio output device such as a speaker or headphone, a printer, a mobile phone, a facsimile, or the like, and outputs the acquired information to the user. It is a device that can be notified visually or audibly. Also, the output device 809 according to this embodiment includes various vibration devices capable of outputting tactile stimulation.

(storage 810)
Storage 810 is a device for storing various data. As the storage 810, for example, a magnetic storage device such as a hard disk drive (HDD), a semiconductor storage device, an optical storage device, a magneto-optical storage device, or the like is used.

(Drive 811)
The drive 811 is, for example, a device that reads information recorded on a removable recording medium 901 such as a magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, or writes information to the removable recording medium 901 .

(connection port 812)
The connection port 812 is, for example, a USB (Universal Serial Bus) port, an IEEE1394 port, a SCSI (Small Computer System Interface), an RS-232C port, or a port for connecting an external connection device 902 such as an optical audio terminal. be.

(Communication device 813)
The communication device 813 is a communication device for connecting to a network. subscriber line) or a modem for various communications.

(Removable recording medium 901)
The removable recording medium 901 is, for example, DVD media, Blu-ray (registered trademark) media, HD DVD media, various semiconductor storage media, and the like. Of course, the removable recording medium 901 may be, for example, an IC card equipped with a contactless IC chip, an electronic device, or the like.

(External connection device 902)
The externally connected device 902 is, for example, a printer, portable music player, digital camera, digital video camera, or IC recorder.

Note that the storage unit 110 according to this embodiment is realized by the ROM 802, the RAM 803, and the storage 810. FIG. Further, the control unit 170 according to the present embodiment realized by the processor 801 stores each control program for realizing the reception unit 120, the acquisition unit 130, the determination unit 140, the confirmation unit 150, and the settlement unit 160 in the ROM 802, the RAM 803, or the like. Read from and execute. Also, the communication device 813 transmits and receives data to and from an external device via the host bus 804 , the bridge 805 , the external bus 806 and the interface 807 .

<3. Summary>
As described above, the aggregated payment apparatus 100 has the reception unit 120 that receives from the user terminal 200 the user's payment instructions from a plurality of funding sources, and the acceptance or rejection of payment in response to the payment instructions from each of the plurality of funding sources. a confirmation unit 150 that confirms with a plurality of external payment devices 300 corresponding to the funding source, and a settlement unit that requests a plurality of external payment devices 300 to make a payment for the payment instruction when payment is possible for all of the plurality of funding sources. 160.

As a result, the user can collectively use multiple funding sources for one payment.

Although the preferred embodiments of the present disclosure have been described in detail above with reference to the accompanying drawings, the technical scope of the present disclosure is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field of the present disclosure can conceive of various modifications or modifications within the scope of the technical idea described in the claims. are naturally within the technical scope of the present disclosure.

<4. Effect>
As described above, the aggregation settlement apparatus 100 can have various effects by adopting the following configuration. However, the effects described herein are merely illustrative or exemplary and not limiting. In other words, the technology according to the present disclosure can produce other effects that are obvious to those skilled in the art from the description of this specification in addition to or instead of the above effects.

(1) a receiving unit 120 that receives from a first computer user's payment instructions from a plurality of funding sources;
a confirming unit 150 for confirming whether or not settlement for the payment instruction is possible with a plurality of second computers corresponding to each of the plurality of funding sources;
and a settlement unit 160 for requesting the plurality of second computers to make settlements for the payment instructions when settlement is possible for all of the plurality of funding sources. .

As a result, the aggregation payment device 100 requests a plurality of funding sources for payment for one payment instruction, so that the user can collectively use a plurality of funding sources for one payment.

(2) use for each of the plurality of funding sources that settle the payment instruction and for each of the plurality of funding sources, based on the payment amount for the payment instruction and the allocation upper limit for each of the plurality of funding sources; The aggregate settlement device 100 according to (1) above, further comprising a determination unit 140 that determines the amount of money or points.

As a result, the aggregate payment device 100 determines the usage amount and points within the allocation upper limit of each funding source until the payment amount is reached. available for one payment.

(3) The aggregate payment apparatus 100 according to (2), wherein the upper limit of allocation is the amount of money or the balance of points for each of the plurality of funding sources held by the user.

As a result, the aggregate payment device 100 determines the usage amount and points within the balance of each funding source held by the user until the payment amount is reached. can be combined into one payment.

(4) further comprising an acquisition unit 130 that acquires the balance from the second computer;
The determining unit 140 further compares the balance obtained in advance with the balance obtained in response to the payment instruction, and if they do not match, determines that settlement for the payment instruction is not possible. The aggregate settlement device 100 according to (3) above, characterized by:

As a result, the aggregate settlement device 100 requests settlement only when settlement is possible for all of the funding sources, so that the user can collectively use a plurality of settlementable funding sources for one payment. can.

(5) Any one of (2) to (4) above, wherein the determination unit determines the plurality of funding sources for settlement further based on the order of allocation to the plurality of funding sources. 1. Aggregate settlement device 100 according to 1.

As a result, the aggregated payment device 100 determines the usage amount and points within the allocation order and allocation upper limit of each funding source until the payment amount is reached, so that the user can more easily select multiple funding sources. Can be used together for one payment.

(6) The aggregate payment apparatus 100 according to (5), wherein the upper limit of allocation and the order of allocation are preset by the user.

As a result, the user can freely specify the funding source, amount and points to be used, and collectively use a plurality of funding sources for one payment.

(7) The payment unit 160 according to (1) above, further characterized by executing payment processing based on the payment instruction when payment is possible for all of the plurality of funding sources. Aggregate settlement device 100;

As a result, the aggregate settlement device 100 executes payment processing only when settlement is possible for all of the funding sources. Available.

(8) The settlement unit 160 further performs all or part of the processing for each of the plurality of funding sources in order to restore the plurality of funding sources to their original state when canceling the settlement for the payment instruction. The aggregation settlement apparatus 100 according to (1) above, characterized in that it executes the process of rolling back the

As a result, the aggregated settlement device 100 can make a payment and cancel the settlement even for a single payment that combines a plurality of funding sources.

(9) Aggregate settlement device 100
receiving user payment instructions from a plurality of funding sources from a first computer;
confirming whether or not the settlement for the payment instruction is possible with a plurality of second computers corresponding to each of the plurality of funding sources;
A consolidated payment method, comprising: requesting the plurality of second computers to make a payment for the payment instruction when the payment is possible for all of the plurality of funding sources.

(10) to the aggregation settlement device 100,
receiving user payment instructions from a plurality of funding sources from a first computer;
confirming whether or not the settlement for the payment instruction is possible with a plurality of second computers corresponding to each of the plurality of funding sources;
A consolidated payment program for requesting the plurality of second computers to make a payment for the payment instruction when the payment is possible for all of the plurality of funding sources.

100 aggregation payment device 110 storage unit 120 reception unit 130 acquisition unit 140 determination unit 150 confirmation unit 160 payment unit 170 control unit 200 user terminal 300 external payment device 400 member store device

Claims (10)

a reception unit that receives, from a first computer, user payment instructions from a plurality of funding sources;
a confirming unit for confirming whether or not the settlement for the payment instruction is possible with a plurality of second computers corresponding to each of the plurality of funding sources;
and a settlement unit that requests the plurality of second computers to make settlements for the payment instructions when settlement is possible for all of the plurality of funding sources. Based on the payment amount for the payment instruction and the allocation upper limit for each of the plurality of funding sources, the plurality of funding sources that settle the payment instruction, and the usage amount or points for each of the plurality of funding sources. 2. The aggregation settlement apparatus according to claim 1, further comprising a determination unit that determines the . 3. The aggregation payment apparatus according to claim 2, wherein the upper limit of allocation is the amount of money or the balance of points for each of the plurality of funding sources held by the user. further comprising an acquisition unit that acquires the balance from the second computer,
The determining unit further compares the balance obtained in advance with the balance obtained in response to the payment instruction, and if they do not match, determines that settlement for the payment instruction is not possible. 4. The aggregate settlement device according to claim 3. 5. The aggregation according to any one of claims 2 to 4, wherein the determination unit determines the plurality of funding sources for settlement further based on the order of allocation to the plurality of funding sources. payment device. 6. The aggregation settlement apparatus according to claim 5, wherein said upper limit of allocation and said order of allocation are preset by said user. 2. The aggregate settlement device according to claim 1, wherein said settlement unit further executes payment processing based on said payment instruction when settlement is possible for all of said plurality of funding sources. The settlement unit further rolls back all or part of the processing for each of the plurality of funding sources in order to restore the plurality of funding sources to their original state when canceling settlement for the payment instruction. 2. The aggregate settlement device according to claim 1, which executes processing. Aggregate payment device
receiving user payment instructions from a plurality of funding sources from a first computer;
confirming whether or not the settlement for the payment instruction is possible with a plurality of second computers corresponding to each of the plurality of funding sources;
A consolidated payment method, comprising: requesting the plurality of second computers to make a payment for the payment instruction when the payment is possible for all of the plurality of funding sources. to the central payment device,
receiving user payment instructions from a plurality of funding sources from a first computer;
confirming whether or not the settlement for the payment instruction is possible with a plurality of second computers corresponding to each of the plurality of funding sources;
A consolidated payment program for requesting the plurality of second computers to make a payment for the payment instruction when the payment is possible for all of the plurality of funding sources.

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