JP2023042622A - Settlement processing method - Google Patents

Abstract

To prevent suspension of provision of a prescribed service to a user.SOLUTION: A settlement processing apparatus 1 includes: a settlement request acquisition unit 131 for acquiring a settlement request requesting that a payment amount for a prescribed service used by a user be settled using prescribed settlement means; a determination unit 132 for, if a balance of a user's account which corresponds to the prescribed settlement means and from which an amount is deducted for the settlement request is less than the payment amount, determining whether or not payment results of the user's previous payment amounts for the prescribed service satisfy a prescribed condition; and a settlement unit 133 for, if the determination unit 132 determines that the payment results of the previous payment amounts satisfy the prescribed condition, allowing the balance of the account to run short for carrying out the settlement of the payment amount using the prescribed settlement means.SELECTED DRAWING: Figure 2

Description

The present invention relates to a payment processing method.

There is known a payment method in which a prepaid electronic money balance held by a user is managed in an account provided on a server, and payment for goods, services, etc., is made from the account balance (see, for example, Patent Document 1).

JP 2021-86352 A

Each time the user pays the price, the price corresponding to the price for services that can be used continuously after that, such as video provision service and various infrastructure provision services such as communication, gas, water, electricity, etc. When paying by automatic withdrawal from the balance of the account, the payment may not be completed due to insufficient balance of the account. In this case, although the user intends to continue using the service, there is a problem that the provision of the service to the user is stopped because the payment is not completed.

Accordingly, the present invention has been made in view of these points, and it is an object of the present invention to prevent suspension of service provision to users.

According to a first aspect of the present invention, there is provided a payment processing method, which is executed by a computer, obtaining a payment request requesting that a payment amount for a prescribed service used by a user be settled using a prescribed payment means; , if the balance of the user's account corresponding to the predetermined payment method and from which the amount is deducted for the payment request is less than the payment amount, the amount of past payment by the user for the predetermined service determining whether or not the payment record satisfies a predetermined condition; and if it is determined that the payment record of the past payment amount satisfies the predetermined condition, the balance of the account is allowed to run short, and the and settlement of the payment amount using a predetermined settlement means.

The payment processing method may further include the step of the computer notifying the user that the balance of the account is insufficient after the payment amount has been settled.
In the notifying step, the computer, after settlement of the payment amount, notifies the user of the difference between the balance of the account before settlement of the payment amount and the payment amount. good.

In the notifying step, when the account balance of the user is insufficient, the computer notifies the user that the account balance is insufficient due to payment of the payment amount corresponding to the predetermined service. good too.
In the notifying step, the computer may notify the provider of the predetermined service that the payment has been completed after the payment amount has been settled.

In the settlement step, the computer deducts at least a portion of the payment amount from the account when determining that the past payment amount satisfies the predetermined condition, thereby providing the predetermined settlement means. may be used to settle the payment amount.

In the settlement step, when the computer determines that the payment record of the past payment amount satisfies the predetermined condition, the computer does not deduct the payment amount from the account, and the payment is made using the predetermined settlement means. The payment amount may be deducted from the account when the amount is settled and the balance of the account becomes equal to or greater than the payment amount.

In the step of making the payment, the computer may control not to make the payment corresponding to the newly acquired payment request when the account balance of the user is insufficient.

The payment processing method further includes a step of adding interest corresponding to the shortfall in the balance of the account, if the account balance of the user is insufficient, executed by the computer. may have.

In the determining step, the computer performs settlement indicating that the payment amount has been settled without the balance of the account being insufficient, which is calculated based on past payment results for the predetermined service. The number of successful payments, the number of consecutive successful payments, the period during which the payment amount was paid in the past, the number of payment failures indicating that the balance of the account was insufficient due to the payment of the payment amount, and one or more of the payment failures. It may be determined whether or not the predetermined condition is satisfied based on at least one of the total amount of the payment amount to be paid, whether or not there is a shortage of the balance of the account at the present time, and the amount of the shortage of the balance of the account at the present time.

In the determining step, if the account balance is less than the payment amount, the computer determines whether or not the past payment amount for the predetermined service satisfies a predetermined condition; In the step of determining whether or not the shortfall amount, which is the amount obtained by subtracting the balance of the account from the payment amount, does not exceed a predetermined amount and performing the settlement, the computer determines whether or not the past payment amount has been paid. If it is determined that the predetermined condition is satisfied and the insufficient amount does not exceed the predetermined amount, the insufficient account balance is allowed and the payment is made by the predetermined settlement means. You can settle the amount.

In the determining step, if the account balance is less than the payment amount, the computer determines whether or not the past payment amount for the predetermined service satisfies a predetermined condition; In the step of determining whether or not the authentication of the user has been completed and performing the settlement, the computer determines that the payment record of the past payment amount satisfies the predetermined condition, and the user. If it is determined that the personal authentication is completed, the payment amount may be settled by the predetermined settlement means while allowing the balance of the account to run short.

In the determining step, if the computer is not set to automatically deposit money into the account on the condition that the balance of the account becomes less than a predetermined amount, is less than the payment amount, it may be determined whether or not the payment record satisfies the predetermined condition.

The payment processing method, executed by the computer, provides a benefit based on the payment amount when the account balance is equal to or greater than the payment amount, and when the account balance is less than the payment amount, The method may further comprise the step of awarding a reward based on an amount corresponding to the account balance deducted against the payment amount.
In the step of granting the privilege, the computer may grant a privilege based on the amount of the deficit in the balance when the shortage in the balance of the account is resolved.

In the step of obtaining the payment request, the computer uses a predetermined payment means to settle the amount to be paid for the predetermined service whose available period is renewed by the user paying the usage fee on each due date. The payment request may be obtained requesting that a payment be made.

In the step of acquiring the payment request, the computer uses the predetermined payment means to pay the amount to be paid for the predetermined service, the usage period of which is renewed by the user paying a certain usage fee on each payment date. The payment request may be obtained requesting that payment be made using the payment request.
In the determining step, if the user's account balance is less than the payment amount, the computer determines that the user's past payment record for each payment due date for the predetermined service has not met the predetermined condition. It may be determined whether or not the condition is satisfied.

In the determining step, if the balance of the account of the user is less than the payment amount, the computer determines that the past payment amount of the payment amount by the predetermined payment means of the user for the predetermined service has not been paid. It may be determined whether or not a predetermined condition is satisfied.

ADVANTAGE OF THE INVENTION According to this invention, there exists an effect that provision of a predetermined service with respect to a user can be prevented from being stopped.

It is a figure which shows the outline|summary of a payment processing apparatus. It is a figure which shows the functional structure of a payment processing apparatus. It is a figure which shows an example of payment history information. It is a figure which shows an example of payment balance information. It is a flow chart which shows a flow of basic processing in a settlement processing device.

[Outline of payment processing device 1]
FIG. 1 is a diagram showing an overview of the payment processing device 1. As shown in FIG. The payment processing apparatus 1 is a computer that performs payment using a predetermined payment method in response to receiving a payment request. The settlement processing apparatus 1 is connected via a communication network such as the Internet to a server 2 that transmits a settlement request for a predetermined service to a user using a terminal such as a mobile terminal or a personal computer. In this embodiment, as a payment means associated with a predetermined payment means, for example, a prepaid account whose balance is managed and a payment amount is paid from the balance is associated. A prepaid account may be associated with a prepaid card owned by the user or an application that can use a code payment or the like installed in the user terminal.

It is assumed that the predetermined service is a subscription-type service in which the available period is renewed by the user paying the usage fee on each due date. The predetermined service is a service that can be used continuously every time the user pays the payment amount for the past use or future use of the service by the user, immediately after the payment or after a certain period of time has passed since the payment. It may be a service that provides music and videos to a mobile phone, or a service that provides various infrastructures such as communication, gas, water, and electricity. Also, the usage fee that the user pays for using a predetermined service may be a fixed amount. Further, the predetermined service is, for example, a service provided by a business operator affiliated in advance with a payment business operator that provides a payment service by the payment processing device 1, or by the payment business operator itself.

Hereinafter, the flow of processing when a payment request for a predetermined service is acquired will be described with reference to FIG. First, the payment processing device 1 acquires from the server 2 a payment request requesting payment for a predetermined service ((1) in FIG. 1). The payment request includes a service ID for identifying the service, a user ID for identifying the user using the service, and a payment amount for the predetermined service.

The payment processing apparatus 1 identifies the account of the user corresponding to the user ID included in the acquired payment request. Then, the payment processing apparatus 1 determines whether the balance of the user's account from which the amount is deducted for the payment request is equal to or greater than the payment amount included in the payment request ((2) in FIG. 1).

When determining that the user's account balance is less than the payment amount, the payment processing apparatus 1 determines whether the user's past payment amount for a predetermined service based on the service ID satisfies a predetermined condition (Fig. (3) in 1). When the payment processing apparatus 1 determines that the user's past payment amount for a predetermined service satisfies a predetermined condition, the payment processing apparatus 1 allows the account balance to be insufficient and subtracts the payment amount from the user's account. , the payment amount is settled ((4) in FIG. 1).

By doing so, the payment processing apparatus 1 does not provide the user with a predetermined service because the account balance is less than the payment amount at the time of acquisition of the payment request for the predetermined service, and the payment of the payment amount is not completed. can be prevented from being suspended.
Details of the configuration of the payment processing apparatus 1 will be described below.

[Functional Configuration of Payment Processing Device 1]
FIG. 2 is a diagram showing the functional configuration of the payment processing apparatus 1. As shown in FIG. The payment processing device 1 has a communication unit 11 , a storage unit 12 and a control unit 13 .

The communication unit 11 is a communication interface for transmitting and receiving data to and from the server 2 via a network such as the Internet.

The storage unit 12 is a storage medium that stores various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores programs executed by the control unit 13 . The storage unit 12 stores a payment processing program that causes the control unit 13 to function as a payment request acquisition unit 131 , a determination unit 132 , a payment unit 133 , a privilege provision unit 134 and a notification unit 135 .

The storage unit 12 also stores account information that associates the user's user ID with the user's prepaid account. The storage unit 12 also stores payment history information indicating a payment history by a predetermined payment method, that is, a payment method that deducts the payment amount from a prepaid account. FIG. 3 is a diagram showing an example of payment history information. As shown in FIG. 3, the payment history information includes the payment date indicating the date of payment, the user ID of the user who made the payment, the service ID for identifying the service or store corresponding to the payment, This is information associated with the payment amount.

The storage unit 12 also stores payment balance information indicating the user's payment balance for payment for a predetermined service. FIG. 4 is a diagram showing an example of remaining payment information. As shown in FIG. 4, the remaining payment information is information that associates the user ID of the user, the service ID of a predetermined service, the date of payment, the amount of payment corresponding to the predetermined service, and the date of repayment. The payment date indicates the date when the balance of the user's account is less than the payment amount for the predetermined service at the time of the payment request for the predetermined service, and the payment provider paid the payment amount for the payment request on behalf of the user. The repayment date indicates the date on which the user paid the settlement company the full payment amount for the predetermined service that the settlement company paid on behalf of the user.

The control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 functions as a payment request acquisition unit 131 , a determination unit 132 , a payment unit 133 , a privilege provision unit 134 and a notification unit 135 by executing the payment processing program stored in the storage unit 12 .

The payment request acquisition unit 131 acquires from the server 2 a payment request requesting that the payment amount for a predetermined service used by the user be settled using a predetermined payment method. Specifically, the payment request acquisition unit 131 acquires from the server 2 a payment request including the user ID of the user, the payment amount for the service used by the user, and the service ID that identifies the service. Note that if the payment processing device 1 is compatible with other initial payment methods such as credit card payment and withdrawal payment from a bank account, in addition to the predetermined payment method, the payment request acquisition unit 131 may acquire a payment request including payment method information indicating a payment method used for payment.

When the payment request is acquired, the determining unit 132 determines whether the balance of the user's account corresponding to the predetermined payment means and from which the amount is deducted for the payment request is less than the payment amount, the user's history for the predetermined service. determines whether or not the payment record of the payment amount satisfies a predetermined condition.

Specifically, first, when the determination unit 132 acquires a payment request, based on the user ID included in the payment request, the balance of the prepaid account of the user from which the amount is deducted corresponding to the predetermined payment method is calculated. Identify. The determination unit 132 determines whether or not the balance of the specified account is less than the payment amount included in the payment request.

When determining that the balance of the specified account is less than the payment amount, the determination unit 132 determines whether or not the service corresponding to the service ID included in the payment request is a predetermined service. For example, the storage unit 12 stores a service ID of a predetermined service that permits payment even when the balance of the user's account is less than the payment amount.

The determination unit 132 refers to the service ID of the predetermined service stored in the storage unit 12, and determines whether or not the service corresponding to the service ID included in the payment request is the predetermined service. A past periodical payment record of a user corresponding to a service, which is a payment record by a predetermined settlement means, is specified. For example, the determining unit 132 refers to the payment history information and the remaining payment information stored in the storage unit 12, and the user corresponding to the predetermined service corresponding to the user ID and service ID included in the payment request. and a history of settlement failures indicating that the balance of the account became insufficient due to the settlement of the payment amount.

Based on the payment record, the determination unit 132 determines the number of successful payments that indicate that the payment amount has been settled without the balance of the account being insufficient, the number of consecutive successful payments, the period during which the payment amount was paid in the past, Calculate the number of settlement failures indicating that the balance of the account is insufficient due to the settlement of the payment amount, and the total amount of the payment amount corresponding to one or more settlement failures.

For example, the determination unit 132 determines that the date indicated by the payment date included in the payment history information corresponding to the predetermined service corresponds to the date on which the payment request for the predetermined service is made, and that the payment amount A payment that matches the payment amount of the service is regarded as a successful payment, and the number of successful payments is calculated. The determination unit 132 also calculates the number of consecutive successful payments based on whether or not the payment cycle corresponding to each of the plurality of successful payments is constant. In addition, the determining unit 132 identifies the number of payment failures based on the number of outstanding payments included in the outstanding payment information, and totals the payment amounts included in the outstanding payment information to determine the amount of payment corresponding to the unsuccessful payment. Calculate the total amount of Here, it is assumed that the determination unit 132 identifies the number of settlement failures by identifying all the number of outstanding payments corresponding to the user ID. In addition, the determination unit 132 identifies whether or not the user has not yet paid back to the settlement company and the unpaid amount, based on the balance of payments for which the user has not yet repaid the payment amount and the repayment date has not been determined. may

Then, the determination unit 132 determines the number of successful settlements, the number of consecutive successful settlements, the period during which the payment amount was paid in the past, and the failure of settlement, which are calculated based on the past periodical payment amount for a predetermined service. number of payments, the total amount of payments corresponding to one or more payment failures, whether there is a shortage in the balance of the user's account at the present time, and the amount of the shortage in the balance of the user's account at the present time. It is determined whether or not the condition is satisfied. The predetermined condition is a condition for permitting settlement of the payment amount using a predetermined settlement method while allowing the user's account balance to run short.

The predetermined conditions are, for example, the number of successful payments is a first number or more, the number of consecutive successful payments is a second number or more that is less than the first number, and the period in which the payment amount has been paid in the past is the first period. Above, the number of payment failures during the predetermined period is less than the third number, which is less than the second number, and the total amount of payments corresponding to the payment failures during the predetermined period is less than the predetermined amount, or all of these conditions are met. It may be to satisfy at least one. In addition, the determination unit 132 may determine that the predetermined condition is not satisfied when the user's account is insufficient at the present time and the user's payment to the settlement company is unpaid.

The settlement unit 133 settles the payment amount using a predetermined settlement means. The settlement unit 133 deducts the payment amount from the user's account when the balance of the user's account from which the amount is deducted for the settlement request is equal to or greater than the payment amount. In addition, when the balance of the user's account is equal to or greater than the payment amount, the payment unit 133 identifies the account of the business operator that provides the predetermined service based on the service ID, and deposits the payment amount into the account. I do.

If the determination unit 132 determines that the past payment amount of the user satisfies a predetermined condition, the settlement unit 133 determines that the balance of the user's account is less than the payment amount for the predetermined service, and the balance of the user's account. is allowed to be insufficient, and the payment amount is settled using a predetermined settlement means.

Specifically, when the settlement unit 133 determines that the payment record of the past payment amounts satisfies a predetermined condition, the settlement unit 133 identifies an account of a business operator that provides a predetermined service based on the service ID, and makes a payment to the account. , the process of depositing the payment amount is performed. Further, when the payment unit 133 determines that the payment record of the past payment amount satisfies a predetermined condition, the payment unit 133 deducts at least a part of the payment amount from the user's account, thereby settling the payment amount using a predetermined payment means. I do.

For example, the payment unit 133 deducts the entire balance from the user's account, and associates the user ID, service ID, current date, and the amount of the payment minus the balance included in the payment request. Stored in the storage unit 12 as balance payment information. By doing so, the payment processing apparatus 1 can reduce the amount of money to be paid on behalf of the user.

Note that, when the settlement unit 133 determines that the past payment record of the payment amount satisfies a predetermined condition, the settlement unit 133 settles the payment amount using a predetermined settlement means by deducting at least part of the payment amount from the user's account. However, it is not limited to this. When the settlement unit 133 determines that the payment record of the past payment amount satisfies a predetermined condition, the settlement unit 133 settles the payment amount using a predetermined settlement means without deducting the payment amount from the user's account. The payment amount may be deducted from the account when the balance exceeds the payment amount.

For example, the settlement unit 133 does not deduct the payment amount from the user's account, and stores the user ID, the service ID, the current date, and the shortfall (payment amount) included in the settlement request as the remaining payment information in association with each other. It may be stored in the unit 12 . When part of the payment amount is partially collected from the user, there is a problem that it is difficult for the user to grasp which service the partially collected amount corresponds to. When the balance exceeds the payment amount for the prescribed service, the payment amount can be deducted from the user's account all at once. can be easily grasped. In addition, the payment processing apparatus 1 can prevent the user from being unable to perform other transactions using the account unless the balance of the user's account becomes 0 and the account is recharged.

If the balance payment information is stored in the storage unit 12 and the payment date is not associated with the balance payment information, the settlement unit 133 checks the user ID included in the balance payment information at predetermined time intervals. It is determined whether or not the balance of the account of the user who makes the payment is greater than the shortfall included in the balance payment information. When the settlement unit 133 determines that the balance of the user's account is larger than the shortfall, the settlement unit 133 performs settlement corresponding to the shortfall by deducting the shortfall from the user's account. Further, when the settlement unit 133 determines that the balance of the user's account is greater than the insufficient amount, the settlement unit 133 sets the date at the time of determination as the repayment date, and associates and stores the repayment date with the remaining payment information. By doing so, the payment processing apparatus 1 can make a payment corresponding to the shortfall when the user charges his/her own account and the balance of the user's account becomes larger than the shortfall. can.

In addition, when the user's account is charged and the balance of the user's account is less than the shortfall, the settlement unit 133 appropriates the balance of the account after charging to part of the shortfall. good too. For example, the settlement unit 133 updates the payment amount by subtracting the amount corresponding to the account balance after charging from the payment amount corresponding to the shortage shown in FIG. You may apply it to part of the amount. Then, the settlement unit 133 may apply the balance of the account after charging to the shortfall amount in response to the user's account being charged until the user repays the entire shortfall amount. . By doing so, it is possible to prevent the settlement business from failing to collect fees from the user.

In addition, when the payment request acquisition unit 131 acquires a new payment request and the balance of the account of the user is insufficient, the payment unit 133 determines whether the payment request corresponds to a predetermined service. regardless of whether or not it is controlled not to perform the payment corresponding to the newly acquired payment request. In this way, the payment processing apparatus 1 can prompt the user to charge his/her own account by restricting new payments when the account balance of the user is insufficient.

In addition, the settlement unit 133 functions as an interest granting unit, and when the balance of the account of the user is insufficient, the interest corresponding to the shortage of the balance of the account can be added to the shortage. good. For example, if the balance of the account of the user is less than the shortfall and settlement corresponding to the shortfall cannot be made, the settlement unit 133 adds interest based on a predetermined interest rate to the shortfall included in the remaining payment information. do. By doing so, the payment processing apparatus 1 can allow the user to quickly charge the user's own account so that interest is not applied to the shortfall.

In addition, when the account balance of the user is less than the payment amount for the predetermined service, the determination unit 132 determines that the user's past payment amount for the predetermined service satisfies the predetermined condition. Under the condition that the balance of the account is insufficient, the payment amount is settled using a predetermined settlement means, but it is not limited to this. For example, if the balance of the account of the user is less than the payment amount for a predetermined service, the settlement unit 133 determines that the determination unit 132 satisfies both a predetermined condition and another condition different from the predetermined condition. In such a case, the payment amount may be settled using a predetermined settlement method while allowing the insufficient balance of the account.

In this case, for example, when the balance of the user's account is less than the payment amount, the determination unit 132 determines whether or not the past payment amount for the predetermined service satisfies a predetermined condition. It may be further determined whether the amount of shortage, which is the amount obtained by subtracting the balance of the account from the amount, exceeds a predetermined amount. Here, the determination unit 132 may set the predetermined amount based on the attribute information of the user. For example, the storage unit 12 stores the user ID in association with attribute information including information indicating the working status of the user and information indicating the income of the user, and the determination unit 132 determines the A predetermined amount may be set. For example, if the user is employed, if the user's income is equal to or greater than the predetermined amount, if the user is not employed, or if the user's income is less than the predetermined amount, the predetermined amount is set higher. good too.

Then, if it is determined that the payment record of the past payment amount satisfies the predetermined condition and that the shortfall does not exceed the predetermined amount, the settlement unit 133 allows the balance of the account to become insufficient. Then, the payment amount may be settled by a predetermined settlement means. By doing so, the settlement company can reduce the risk of not being able to collect from the user the amount paid to the company of the predetermined service on behalf of the user.

In addition, the control unit 13 of the payment processing device 1 functions as an identity authentication unit, and stores the user ID in the storage unit 12 in response to receiving the user ID and identity verification information such as a driver's license or insurance card from the user. may be stored in association with authentication completion information indicating that personal authentication has been completed.

When the balance of the user's account is less than the payment amount, the determination unit 132 determines whether or not the payment record of the past payment amount for a predetermined service satisfies a predetermined condition. It may be further determined whether or not the personal authentication is completed based on whether or not is associated and stored. If the settlement unit 133 determines that the payment history of the past payment amount satisfies a predetermined condition and determines that the user's personal authentication has been completed, the settlement unit 133 allows the balance of the account to run short. Alternatively, the payment amount may be settled by a predetermined settlement means.

By doing so, the settlement company can identify the whereabouts of the user based on the personal identification information and prompt the user for the amount of the shortage. In addition, since the user tries to recharge his/her own account so as not to be prompted for the insufficient amount, there is a risk that the settlement company will not be able to collect from the user the amount paid to the predetermined service provider on behalf of the user. can be reduced.

In addition, the determination unit 132 determines whether the user's account balance is set to be less than a predetermined amount, that is, when the automatic charge setting is not performed. When the balance of the account is less than the payment amount, it is determined whether or not the payment performance satisfies a predetermined condition, and if auto-charge is set, it is determined whether or not the predetermined condition is satisfied. You can choose not to do it. If auto-charge is set, the balance of the user's account will be less than the payment amount as a condition that the balance of the user's account will be greater than the payment amount due to auto-charge. This eliminates the need for the processing related to the determination of whether or not. On the other hand, since the determination unit 132 does not determine whether or not the predetermined condition is satisfied when the auto-charge setting is performed, the payment processing apparatus 1 can reduce the processing load.

The privilege giving unit 134 gives a privilege to the user when the settlement of the payment amount by the settlement unit 133 is completed. For example, the privilege giving unit 134 gives the user points corresponding to the size of the payment amount as a privilege.

Here, at the time of settlement by the settlement unit 133, if the account balance of the user is equal to or greater than the payment amount, the privilege granting unit 134 grants a privilege based on the payment amount, and if the account balance is less than the payment amount Alternatively, a benefit may be given based on the amount corresponding to the account balance deducted from the payment amount. In addition, when the balance shortage of the user's account is managed by the payment balance information, the privilege granting unit 134, in response to the cancellation of the balance shortage of the user's account, You may give a privilege to a user based on. By doing so, the payment processing apparatus 1 can avoid unfairly giving points to the user when the account balance of the user is insufficient.

When the settlement of the payment amount is completed, the notification unit 135 notifies the predetermined service provider of settlement completion information indicating that the settlement has been completed. Further, when the settlement of the payment amount is completed, the notification unit 135 notifies the terminal of the user of payment completion information indicating that the payment has been completed.

The notification unit 135 permits the user's account balance to be insufficient by the settlement unit 133, and after the payment amount for the predetermined service is settled using the predetermined settlement means, the user's account is cleared. Notify the user that the balance is insufficient. For example, the storage unit 12 stores the user ID and the user's e-mail address or the identification information of the portable terminal owned by the user in association with each other. After the payment amount is settled, the notification unit 135 sends the user's e-mail address associated with the user ID or the user's mobile terminal the balance of the account where the payment amount is settled and the payment amount. The user is notified of the information by transmitting payment completion information including information indicating the difference between

Here, when the balance of the user's account becomes insufficient due to the settlement of the payment amount for the predetermined service, the notification unit 135 informs the user that the payment amount corresponding to the predetermined service has been paid. Information indicating that the balance of the account is insufficient may be notified to the user. For example, the notification unit 135 sends payment completion information to the user, further including a service name indicating a predetermined service and information indicating that the balance of the account is insufficient due to payment of the payment amount corresponding to the predetermined service. may be notified to By doing so, the user can recognize that the balance of the account is insufficient due to the payment of the payment amount corresponding to the predetermined service, and can deposit money into the account.

In addition, when the balance of the user's account becomes insufficient due to the settlement of the payment amount related to the predetermined service, the notification unit 135 allows the payment related to the predetermined service to be made without causing the balance of the user's account to run short. Payment completion information indicating that the payment has been completed may be notified to the provider of the predetermined service in the same manner as when the payment is made.

[Flow of processing in payment processing device 1]
Next, the flow of processing in the payment processing device 1 will be described. First, the flow of processing until payment is made by the payment processing apparatus 1 will be described. FIG. 5 is a flowchart showing the flow of basic processing in the payment processing apparatus 1. As shown in FIG.

First, the payment request acquisition unit 131 acquires a payment request requesting payment using a predetermined payment method (S1). The payment request includes a user ID, service ID, and payment amount.

Subsequently, the determination unit 132 identifies the account balance of the user from which the amount is deducted corresponding to the predetermined payment method based on the user ID included in the payment request, and the account balance is included in the payment request. It is determined whether or not it is less than the payment amount (S2). If the determination unit 132 determines that the balance of the account is less than the payment amount included in the payment request, the process proceeds to S3, and if it determines that the balance of the account is equal to or greater than the payment amount included in the payment request, the process proceeds to S7. to move.

In S3, the determination unit 132 determines whether or not the payment request corresponds to a predetermined service based on the service ID included in the payment request acquired in S1. If the determination unit 132 determines that the payment request corresponds to the predetermined service, the process proceeds to S4, and if it determines that the payment request does not correspond to the predetermined service, the process proceeds to S6.

In S4, the determination unit 132 identifies the user's payment history corresponding to a predetermined service based on the user ID and service ID included in the payment request. Then, the determination unit 132 determines whether or not the identified payment record satisfies a predetermined condition (S5). If the determination unit 132 determines that the payment record satisfies the predetermined condition, the process proceeds to S7, and if it determines that the payment record does not satisfy the predetermined condition, the process proceeds to S6.

In S6, the notification unit 135 transmits error information indicating that payment cannot be made to the source of the payment request. Here, the notification unit 135 may transmit error information indicating that payment cannot be made to the terminal of the user.

In S7, the settlement unit 133 subtracts at least part of the payment amount included in the settlement request from the balance of the user's account. Specifically, if the balance of the user's account is sufficient, the settlement unit 133 subtracts the full payment amount from the user's account. Further, when the balance of the user's account is insufficient, part of the payment amount is subtracted from the user's account, and payment balance information is generated.
The settlement unit 133 deposits the payment amount into the account of the provider of the predetermined service (S8). Here, the settlement unit 133 deposits the full amount of the payment amount included in the settlement request into the account of the provider of the predetermined service.

Subsequently, the notification unit 135 notifies the server 2 and the user's terminal of the information regarding the payment (S9). When the balance of the account of the user is insufficient, the notification unit 135 notifies the terminal of the user of information indicating that the balance of the account is insufficient and part of the payment amount has been settled, The server 2 is notified of settlement completion information indicating that settlement of the payment amount has been completed.

[Effect of payment processing device 1]
As described above, the payment processing apparatus 1 acquires a payment request requesting that a payment amount for a predetermined service used by a user be settled using a predetermined payment method, and responds to the predetermined payment method. and if the balance of the user's account from which the amount is deducted for the payment request is less than the payment amount, whether or not the user's past payment amount for the specified service satisfies the specified conditions judge. When the payment processing apparatus 1 determines that the user's past payment record satisfies a predetermined condition, the payment processing apparatus 1 allows the balance of the account to be insufficient and settles the payment amount using a predetermined settlement means. . By doing so, the payment processing apparatus 1 can prevent the provision of the predetermined service to the user from being stopped.

The present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Industry and technological innovation."

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, and various modifications and changes are possible within the scope of the gist thereof. be. In the above-described embodiment, the predetermined payment method is a prepaid payment method that manages the balance on the server side of the payment processing apparatus 1 or the like, but is not limited to this. The predetermined settlement means may be a settlement means of a method of withdrawing the payment amount from a bank account (debit method).

Further, in the above-described embodiment, the payment processing apparatus 1 periodically receives payment requests from the server 2, but the present invention is not limited to this. For example, the payment processing apparatus 1 may acquire a payment request from the server 2 only when the user starts using a predetermined service and pays the payment amount for the predetermined service for the first time. Then, the payment processing apparatus 1 stores periodic payment information in which the payment amount included in the payment request, the service ID of the predetermined service, the date and time information indicating the payment date, and the payment method are associated with each other. Informed payment information may be obtained as a payment request. The date and time information is not limited to the date, for example, and may be information that can specify the timing of payment such as the first Friday of each month. In addition, the payment processing apparatus 1 changes the regular payment information or deletes the regular payment information in response to receiving a cancellation request for a predetermined service or a notification of a payment method change from the server 2. good.

Also, for example, all or part of the device can be functionally or physically distributed and integrated in arbitrary units. In addition, new embodiments resulting from arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

1 payment processing device 11 communication unit 12 storage unit 13 control unit 131 payment request acquisition unit 132 determination unit 133 payment unit 134 privilege provision unit 135 notification unit

Claims (19)

the computer runs
a step of obtaining a payment request requesting that a payment amount for a prescribed service used by the user be settled using a prescribed means of payment;
Payment of the user's past payment amount for the predetermined service when the balance of the user's account corresponding to the predetermined payment means and from which the amount is deducted for the payment request is less than the payment amount a step of determining whether the performance satisfies a predetermined condition;
If it is determined that the payment record of the past payment amount satisfies the predetermined condition, the payment amount is settled using the predetermined settlement means, allowing the balance of the account to be insufficient;
payment processing method. further comprising the step of notifying the user that the balance of the account is insufficient after the computer has settled the payment amount;
The settlement processing method according to claim 1. In the notifying step, after the payment amount is settled, the computer notifies the user of the difference between the balance of the account before the payment amount is settled and the payment amount.
The payment processing method according to claim 2. In the notifying step, when the account balance of the user is insufficient, the computer notifies the user that the account balance is insufficient due to payment of the payment amount corresponding to the predetermined service.
The payment processing method according to claim 2 or 3. In the notifying step, the computer notifies the provider of the predetermined service that the payment has been completed after the payment amount has been settled.
The settlement processing method according to any one of claims 2 to 4. In the settlement step, the computer deducts at least a portion of the payment amount from the account when determining that the past payment amount satisfies the predetermined condition, thereby providing the predetermined settlement means. Settle the payment amount using
The settlement processing method according to any one of claims 1 to 5. In the settlement step, when the computer determines that the payment record of the past payment amount satisfies the predetermined condition, the computer does not deduct the payment amount from the account, and the payment is made using the predetermined settlement means. Settle the amount and deduct the payment amount from the account in response to the balance of the account becoming equal to or greater than the payment amount,
The settlement processing method according to any one of claims 1 to 5. In the step of making the payment, the computer controls not to make the payment corresponding to the newly acquired payment request when the account balance of the user is insufficient.
The settlement processing method according to any one of claims 1 to 7. further comprising, when the account balance of the user is in an insufficient state, adding interest corresponding to the insufficient balance of the account, performed by the computer;
The settlement processing method according to any one of claims 1 to 8. In the determining step, the computer performs settlement indicating that the payment amount has been settled without the balance of the account being insufficient, which is calculated based on past payment results for the predetermined service. The number of successful payments, the number of consecutive successful payments, the period during which the payment amount was paid in the past, the number of payment failures indicating that the balance of the account was insufficient due to the payment of the payment amount, and one or more of the payment failures. Determining whether the predetermined condition is satisfied based on at least one of the total amount of the payment amount to be paid, the presence or absence of a shortage of the balance of the account at the present time, and the amount of shortage of the balance of the account at the present time,
The settlement processing method according to any one of claims 1 to 9. In the determining step, if the account balance is less than the payment amount, the computer determines whether or not the past payment amount for the predetermined service satisfies a predetermined condition; Determining whether the shortfall, which is the amount obtained by subtracting the balance of the account from the payment amount, exceeds a predetermined amount,
In the settlement step, when the computer determines that the payment performance of the past payment amount satisfies the predetermined condition and determines that the shortfall amount does not exceed the predetermined amount, Settlement of the payment amount by the predetermined settlement means, allowing the balance of the account to run short;
The settlement processing method according to any one of claims 1 to 10. In the determining step, if the account balance is less than the payment amount, the computer determines whether or not the past payment amount for the predetermined service satisfies a predetermined condition; Determining whether the authentication of the user has been completed,
In the settlement step, when the computer determines that the payment record of the past payment amount satisfies the predetermined condition and determines that the personal authentication of the user is completed, the account is determined to be completed. Settlement of the payment amount by the predetermined settlement means, allowing the lack of the balance of
The settlement processing method according to any one of claims 1 to 11. In the determining step, if the computer is not set to automatically deposit money into the account on the condition that the balance of the account becomes less than a predetermined amount, When the balance of is less than the payment amount, determining whether the payment performance satisfies the predetermined condition;
The settlement processing method according to any one of claims 1 to 12. Executed by the computer, granting a reward based on the payment amount if the account balance is greater than or equal to the payment amount, and for the payment amount if the account balance is less than the payment amount further comprising granting a reward based on an amount corresponding to the deducted balance of said account;
The settlement processing method according to any one of claims 1 to 13. In the step of granting the privilege, the computer grants a privilege based on the amount of the balance shortage when the shortage of the balance of the account is resolved.
The payment processing method according to claim 14. In the step of obtaining the payment request, the computer uses a predetermined payment means to settle the amount to be paid for the predetermined service whose available period is renewed by the user paying the usage fee on each due date. obtaining said payment request requesting to
The settlement processing method according to any one of claims 1 to 15. In the step of acquiring the payment request, the computer uses the predetermined payment means to pay the amount to be paid for the predetermined service, the usage period of which is renewed by the user paying a certain usage fee on each payment date. obtaining the payment request requesting payment using
The settlement processing method according to claim 16. In the determining step, if the user's account balance is less than the payment amount, the computer determines that the user's past payment record for each payment due date for the predetermined service has not met the predetermined condition. Determine whether to satisfy
The settlement processing method according to claim 16 or 17. In the determining step, if the balance of the account of the user is less than the payment amount, the computer determines that the past payment amount of the payment amount by the predetermined payment means of the user for the predetermined service has not been paid. Determining whether or not a predetermined condition is satisfied,
The settlement processing method according to any one of claims 1 to 18.

Images