JP2024029164A - Charging and depositing methods and systems for various values such as legal currency value, electronic money, and other points - Google Patents

Abstract

An object of the present invention is to provide a more flexible charging method.
[Solution]
An electronic money charging method provided by a card issuer that issues prepaid cards for electronic money payments, when a user uses electronic money to purchase a product or service provided by a member store. A transaction authorization request for the product or service is received from a member store terminal, the electronic money balance of the user is confirmed, and when the balance is less than the purchase price of the product or service, the transaction is determined in advance by the user. Charge electronic money from funding sources.
[Selection diagram] Figure 7

Description

The present invention relates to a charging method and system for various values.

Traditionally, payments using intangible assets with monetary value (hereinafter referred to as "value") such as legal currency value, electronic money, and other points have been widespread. By charging electronic money equivalent to a certain amount in advance or immediately using a prescribed method and delivering it to a member store that is an electronic money user, a person can purchase products or services sold by that member store, and become a member store. The store receives payment, such as cash, from the electronic money issuer in exchange for electronic money equivalent to the sales proceeds.

In addition to charging with cash, electronic money charging methods include charging methods that are linked to objects whose payment ability can be guaranteed, such as credit cards and bank accounts (for example, Patent Document 1). Furthermore, a method has been disclosed in which a user can select a plurality of charge methods (funding sources) from among options (for example, Patent Document 2).

Patent No. 6473487 JP2018-160267A

However, when a provider of a payment medium such as a value payment card such as electronic money or a code that allows payment, provides the payment medium to an individual or corporate user, It is limited to charging methods and lacks flexibility.

Therefore, an object of the present invention is to provide a more flexible value charging method.

A Value charging method provided by a media provider that provides a payment medium for Value payments, when a user purchases a product or service provided by a member store or business operator via Value. A request for authorization for a transaction for the product or service is received from a member store or a business operator's terminal, the value balance of the user is confirmed, and when the balance is less than the purchase amount of the product or service, the user Charge value from the set funding source.

According to the present invention, a more flexible value charging method can be provided.

1 is a block configuration diagram showing a charging system according to a first embodiment of the present invention. 2 is a functional block configuration diagram showing the card company terminal 100 of FIG. 1. FIG. 2 is a functional block configuration diagram showing the user terminal 200 of FIG. 1. FIG. 2 is a functional block configuration diagram showing a store terminal 200 in FIG. 1. FIG. 3 is a schematic diagram showing an example of user data stored in the server 100. FIG. 3 is a schematic diagram showing an example of message data stored in the server 100. FIG. 1 is an example of a flowchart related to a charging method according to the first embodiment of the present invention. It is a modification of the flowchart concerning the charging method according to the first embodiment of the present invention. It is an example of the flowchart concerning the charging method based on 2nd embodiment of this invention. It is an example of the flowchart based on the charging method based on 3rd embodiment of this invention. It is an example of the flowchart concerning the charging method based on the fourth embodiment of the present invention.

Embodiments of the present invention will be described below with reference to the drawings. Note that the embodiments described below do not unduly limit the content of the present disclosure described in the claims. Furthermore, not all components shown in the embodiments are essential components of the present disclosure.

(Embodiment 1)
<Configuration>
FIG. 1 is a block diagram showing a charging system according to a first embodiment of the present invention.
Note that this embodiment is applied to values having a certain monetary value such as legal currency value, electronic money, and various points, and is also applicable to card media such as prepaid cards, as well as sheet media with QR codes etc. printed on them. , it can also be applied to payment media provided by various media providers, such as electronic media such as web pages displaying QR codes, etc., and virtual media such as web services and applications, but in this embodiment, For convenience of explanation, a card company terminal 100 is a terminal of a card company that issues a prepaid card for using electronic money, and a user terminal 200 is a terminal of a user who uses the card. It consists of a store terminal 300, which is a terminal at a member store that can use electronic money issued by a card company in exchange for products or services, and a funding source, which is a charging source when users charge electronic money. An example of a system will be explained below.

Card companies are so-called issuers of credit cards and prepaid cards, and they issue cards to users, manage credit, and in the case of prepaid cards, manage the user's electronic money balance and use the card. When a person uses a prepaid card at a member store in exchange for a product, the transaction is authorized. The user can be an individual user or a corporate user, and in the case of a corporation, that corporation acts as a secondary issuer (partner) and issues the card to another corporation, and the company provides the card. It is also possible to provide services by adding functions to do so. In addition, if the user is a corporation and the card company issues a card as a corporate card, the user will issue the card to its employees, and the employee will be able to use it for business trips, meetings, entertainment, etc. It is also possible to use the card for other purposes.

In addition, card companies issue so-called virtual cards, which are displayed via applications that users have installed on their mobile terminals such as smartphones, or issue physical cards in response to requests from users. It is also possible to issue magnetic cards or IC cards with built-in IC chips. In general, virtual cards are used for transactions such as purchasing products online, such as online shopping, and physical cards are used for transactions such as purchasing products or services at physical stores.

The card company terminal 100, the user terminal 200, the store terminal 300, and the funding source 400 are connected via a network NW. The network NW includes the Internet, an intranet, a wireless LAN (Local Area Network), a WAN (Wide Area Network), and the like.

The card company terminal 100 may be, for example, a general-purpose computer such as a workstation or a personal computer, or may be logically realized by cloud computing. In this embodiment, one card company terminal is illustrated for convenience of explanation, but the present invention is not limited to this, and a plurality of card company terminals may be used.

The user terminal 200 is, for example, an information processing device such as a personal computer or a tablet terminal, but may also be configured by a smartphone, a mobile phone, a PDA, or the like.

The store terminal 300 is a terminal installed at a card member store, and for example, it may be a POS/CCT/CAT terminal installed at a supermarket, shopping center, convenience store, etc. Personal computers, smartphones, tablet terminals, etc. with built-in applications are also conceivable. Furthermore, it can be replaced not only with stores but also with business owner terminals installed at business owners conducting business activities. The store terminal 300 allows operations such as credit card, prepaid card, and debit card payments to be performed at the store of a member store. Further, the store terminal 300 is communicably connected to the card company terminal 100 and a terminal of another credit card issuing company (not shown) via the network NW. It is also conceivable to connect to the card terminal 100 or the like via an international brand card system such as VISA (registered trademark).

In this embodiment, the system 1 is described as having a card company terminal 100, a user terminal 200, a store terminal 300, and a funding source 400, but as described above, the secondary issuer (partner) is connected to the user terminal. In addition, in an example where a partner's card user is another corporation or an individual, the partner can be replaced with the card company (card company terminal 100) in this system, and the card user issued by the partner can be replaced with the card company (card company terminal 100) in this system. can also be replaced with the user (user terminal 200) in this system. If the partner is replaced by a card company, it is also possible to use the original card company's API (Application Programming Interface).

FIG. 2 is a functional block diagram of the card company terminal 100 of FIG. 1. As shown in FIG. The card company terminal 100 includes a communication section 110, a storage section 120, and a control section 130.

The communication unit 110 is a communication interface for communicating with the user terminal 200 and the store terminal 300 via the network NW, and communication is performed according to a communication protocol such as TCP/IP (Transmission Control Protocol/Internet Protocol), for example. .

The storage unit 120 stores programs, input data, etc. for executing various control processes and functions within the control unit 130, and is composed of RAM (Random Access Memory), ROM (Read Only Memory), etc. Ru. The storage unit 120 also includes a user data storage unit 121 that stores various data necessary for authorizing transactions and charging electronic money when a card user purchases a product or service at an affiliated store; It has a message data storage section 122 and the like that stores data related to the authorization message received from the store. Furthermore, the storage unit 120 can also temporarily store data communicated with the user terminal 200 and the store terminal 300. Note that a database (not shown) storing various data may be constructed outside the storage unit 120.

The control unit 130 controls the overall operation of the card company terminal 100 by executing programs stored in the storage unit 120, and receives information from a CPU (Central Processing Unit), GPU (Graphics Processing Unit), etc. configured. The functions of the control unit 130 include a request reception unit 131 that receives instructions from the user terminal 200 or the store terminal 300, an approval processing unit 132 that performs processing for approval of authorization requests, and a system related to electronic money charging. and a charge processing section 133 that performs processing. The request reception section 131, approval processing section 132, and charge processing section 133 are activated by a program stored in the storage section 120 and executed by the card company terminal 100, which is a computer (electronic computer).

The request reception unit 131 allows a user to register user information or issue a virtual or physical prepaid card, for example, on a user interface displayed via an application installed on the user terminal 200. When a predetermined request is made, such as to do so, the request is accepted from the user terminal 200 via the communication unit 110. Furthermore, when a user purchases a product or service using a card at a member store, reads the magnetic card using the reader of the store terminal 300, and sends an authorization message to request authorization. , receives a request from the store terminal 300 via the communication unit 110.

When the approval processing unit 132 receives an authorization request for a specific transaction from the store terminal 300, it performs a predetermined process for approving the transaction.

The charge processing 133 performs charge processing of the user's electronic money in response to a request from the user terminal 200 or by automatic processing.

FIG. 3 is a functional block diagram showing the user terminal 200 of FIG. 1. As shown in FIG. The user terminal 200 includes a communication section 210, a display operation section 220, a storage section 230, and a control section 240.

The communication unit 210 is a communication interface for communicating with the card company terminal 100 via the network NW, and communication is performed according to a communication protocol such as TCP/IP, for example.

The display operation unit 220 is a user interface used by the user to input instructions and display text, images, etc. in accordance with input data from the control unit 240. If the user terminal 200 is a tablet terminal, it is composed of a display, a keyboard, and a mouse, and if the user terminal 200 is a tablet terminal, it is composed of a touch panel or the like. This display operation section 220 is activated by a control program such as an application program stored in the storage section 230 and executed by the user terminal 200 which is a computer (electronic computer).

The storage unit 230 stores programs, input data, etc. for executing various control processes and functions within the control unit 240, and is composed of a RAM, a ROM, and the like. Furthermore, the storage unit 230 temporarily stores the contents of communication with the card company terminal 100.

The control unit 240 controls the overall operation of the user terminal 200 by executing a program stored in the storage unit 230, and is composed of a CPU, a GPU, and the like.

Note that the card company terminal 100 may have all or part of the functions of a control program such as an application program stored in the user terminal 200.

FIG. 4 is a functional block diagram showing the store terminal 300 of FIG. 1. As shown in FIG. The store terminal 300 includes a communication section 310, a display operation section 320, a storage section 330, a reader 340, and a control section 350.

The communication unit 310 is a communication interface for communicating with the card company terminal 100 (with an international brand card system (not shown) when going via an international brand card system) via the network NW, and uses, for example, TCP. /Communication is performed according to communication protocols such as IP.

The display operation unit 320 is a user interface used by store personnel to input instructions and display text, images, etc. in accordance with input data from the control unit 350. If it is a CAT terminal, it is composed of a display, buttons, pointing device, keyboard, etc. If it is composed of a personal computer, it is composed of a display, keyboard, mouse, etc., and if the store terminal 300 is composed of a tablet terminal. consists of a touch panel, etc. Further, the display operation section 220 is activated by a control program such as an application program stored in the storage section 230 and executed by the user terminal 200 which is a computer (electronic computer).

The storage unit 330 stores programs, input data, etc. for executing various control processes and functions within the control unit 350, and is composed of a RAM, a ROM, and the like. Furthermore, the storage unit 230 temporarily stores the contents of communication with the card company terminal 100.

The reader 340 and the reader 114 are composed of devices such as a magnetic card reader, a barcode reader, and an IC chip reader, and can read information on prepaid cards, credit cards, debit cards, and the like.

The control unit 350 controls the overall operation of the store terminal 300 by executing a program stored in the storage unit 330, and is composed of a CPU, a GPU, and the like.

FIG. 5 is a schematic diagram showing an example of user data stored in the server 100.

User data 1000 shown in FIG. 5 stores various data related to users who use prepaid cards. In FIG. 5, for convenience of explanation, an example of one user (a user identified by user ID "10001") is shown, but information on multiple users can be stored. Various data related to users include, for example, user registration information (in the case of a corporation, the corporate name, representative name, address and contact information, etc.; in the case of an individual or employee, the user's name, date of birth, gender, etc.) , address, and contact information (phone number, email address, etc.), and in the case of employees, employee ID and department, etc.), and card information (e.g., card number (PAN), cardholder name, etc.) , expiration date (EXP), personal identification number (PIN), security code (CAV/CVC2/CVV2/CID), track data, etc.). In addition, credit-related information (e.g. electronic money balance, usage limit, etc.), user's funding source information (credit card information, debit card information, bank account information, virtual currency account information, and carrier payment information) etc.)) are also included.

FIG. 6 is a schematic diagram showing an example of message data stored in the server 100.

The message data 2000 shown in FIG. 6 stores various data to be stored in the authorization message. Various data related to the authorization message include, for example, information such as card information used at the member store, member store ID, date and time of use, and amount of money used.

<Processing flow>
With reference to FIG. 7, the flow of processing of the charging method executed by the system 1 of this embodiment will be described. FIG. 7 is an example of a flowchart related to the charging method according to the first embodiment of the present invention.

Here, first, as an example, in order to issue a prepaid card, a user installs an application on his or her user terminal 200, starts the application, registers registration information on the provided user interface, and Request issuance of . The card may be a prepaid card called a virtual card, which is displayed via an application installed by the user on the user terminal 200, or a magnetic card, called a physical card, with predetermined card information printed on plastic. IC cards with built-in IC chips can be issued. The user uses the application in advance to provide desired funding source information (e.g., credit card information, debit card information, bank account information, virtual currency account information, and carrier payment information) to charge electronic money. etc.) and charge electronic money equivalent to a predetermined amount in advance. It is also possible to charge with cash using ATMs installed at convenience stores and other stores. If the electronic money charge amount is less than a predetermined amount (e.g. 50,000 yen), charging in predetermined amount units (e.g. 1,000 yen, 5,000 yen, 10,000 yen) can be used selectively. It is possible.

First, as processing in SQ101, the user terminal 200 uses a prepaid card to purchase a product or service at a member store. In this case, when the user purchases a product or service at a physical store, the user presents a real prepaid card to the store staff. When a user uses the user terminal 200 to purchase a product or service at an online store, etc., the user inputs information regarding the virtual card into the purchase screen of the online store.

As the process in SQ102, the store terminal 300 of the affiliated store performs a payment operation for the product or service, and transmits an authorization request for the transaction of the product or service to the card company terminal 100. For example, in the case of an online store, the store terminal 300 accepts a purchase request for a product or service from the user terminal 200 via the network, and performs payment processing. Further, in the case of a physical store, the store terminal 300 performs payment processing by having a terminal such as POS/CCT/CAT read the prepaid card. When the payment process is performed, the store terminal 300 transmits an authorization message and sales data to the card company terminal 100 as an authorization request. The information included in the authorization message includes, for example, the information shown in FIG. 6 (card information, member store ID, date and time, usage amount). As the authorization message, for example, a message generated according to the ISO 8583 standard is sent, or a message generated according to the ISO 8583 standard is converted into another given format (for example, JSON format) and sent. It is possible that

Subsequently, as processing in SQ103, when the request receiving unit 131 of the card company terminal 100 receives the authorization request, the approval processing unit 132 confirms the user's electronic money balance with respect to the usage amount. For example, the card company terminal 100 searches for the user ID based on the card number, and refers to the electronic money balance of the target user in the user data 1000 shown in FIG.

Subsequently, in the process of SQ104, the approval processing unit 132 of the card company terminal 100 approves the transaction if the user's electronic money balance is equal to or exceeds the usage amount. (If the user's electronic money balance is less than the usage amount, the process proceeds to SQ106)

Subsequently, as processing in SQ105, the communication unit 110 of the card company terminal 100 transmits a transaction approval response to the store terminal 300.

In SQ103 above, if the user's electronic money balance is less than the usage amount, as a process in SQ106, the charge processing unit 133 of the card company terminal 100 checks the registered information in the user data 1000 shown in FIG. and check the funding source of that user. For example, if the user is an individual or a corporate business, funding sources registered by that individual or corporation (including, but not limited to, credit cards, debit cards, bank accounts, virtual currency accounts, and carrier payments) (cannot be used). Additionally, if the user is a partner company as a secondary business operator, check the funding sources registered by that company. In addition, if the user is linked to a cost-bearing department in a corporate company, identify that department and check the funding source registered by that department.

Subsequently, in SQ107, the charge processing unit 133 of the card company terminal 100 charges electronic money equivalent to a predetermined amount from the funding source according to the user's funding source. Here, as the charge amount, it is possible to charge electronic money equivalent to the amount short of the usage amount, or to charge electronic money equivalent to the amount set in advance by the card company or the user. For example, if the user is a partner company and the funding source registered by the partner company is a bank account, the charge processing unit 133 transfers cash equivalent to the insufficient amount from the bank account to electronic money. Convert and process to increase the amount of electronic money. Further, for example, if the user belongs to the sales department of a company, the charge processing unit 133 performs processing to increase the amount of electronic money from the funding source set for the sales department.

Next, in the process of SQ108, the approval processing unit 132 of the card company terminal 100 confirms that the user's electronic money balance is equal to or exceeds the amount used, approves the transaction, and performs the process of SQ109. As a result, the communication unit 110 of the card company terminal 100 transmits a transaction approval response to the store terminal 300.

As described above, through the charging method of this embodiment, the card company can provide a flexible electronic money charging method based on the funding source set by the card user. In particular, when a card company issues a card to a corporate company such as a partner company, the corporate company including the partner company has a need to utilize its own funding source as a charge resource, and this embodiment According to this charging method, it is possible to respond flexibly to these needs.

(Modified example)
FIG. 8 is a modification of the flowchart related to the charging method according to the first embodiment of the present invention.

This modification is basically the same as the charging method shown in Figure 7, but in particular, the card user is a corporate company, and the corporate company sets up a funding source according to the business purpose. This is a method of charging electronic money that can be applied in various situations.

First, as processing in SQ201, the user terminal 200 uses a prepaid card to purchase a product or service at a member store. In this case, when the user purchases a product or service at a physical store, the user presents a real prepaid card to the store staff. When a user uses the user terminal 200 to purchase a product or service at an online store or the like, information regarding the virtual card is input into the purchase screen of the online store.

As the processing in SQ202, the store terminal 300 of the affiliated store performs a payment operation for the product or service, and transmits an authorization request for the transaction of the product or service to the card company terminal 100. For example, in the case of an online store, the store terminal 300 accepts a purchase request for a product or service from the user terminal 200 via the network, and performs payment processing. Further, in the case of a physical store, the store terminal 300 performs payment processing by having a terminal such as POS/CCT/CAT read the prepaid card. When the payment process is performed, the store terminal 300 transmits an authorization message and sales data to the card company terminal 100 as an authorization request. The information included in the authorization message includes, for example, the information shown in FIG. 6 (card information, member store ID, date and time, usage amount). As the authorization message, for example, a message generated according to the ISO 8583 standard is sent, or a message generated according to the ISO 8583 standard is converted into another given format (for example, JSON format) and sent. It is possible that

Subsequently, as processing in SQ203, when the request receiving unit 131 of the card company terminal 100 receives the authorization request, the approval processing unit 132 confirms the user's electronic money balance with respect to the usage amount. For example, the card company terminal 100 searches for the user ID based on the card number, and refers to the electronic money balance of the target user in the user data 1000 shown in FIG.

Subsequently, in the process of SQ204, the approval processing unit 132 of the card company terminal 100 approves the transaction if the user's electronic money balance is equal to or exceeds the usage amount. (If the user's electronic money balance is less than the usage amount, the process proceeds to SQ206)

Subsequently, as processing in SQ205, the communication unit 110 of the card company terminal 100 transmits a transaction approval response to the store terminal 300.

In SQ203 above, if the user's electronic money balance is less than the usage amount, as a process in SQ206, the charge processing unit 133 of the card company terminal 100 determines the business purpose of the transaction based on the information in the message data 2000 shown in FIG. Check the funding source according to the purpose. For example, the attribute of the store (for example, restaurant, hotel, taxi, etc.) is confirmed from the member store ID of the message data 2000, and if the attribute is a restaurant, the business usage is determined as entertainment expenses. Then, identify funding sources (including, but not limited to, credit cards, debit cards, bank accounts, virtual currency accounts, and carrier payments) according to the business purpose.

Subsequently, in SQ207, the charge processing unit 133 of the card company terminal 100 charges electronic money equivalent to a predetermined amount from the funding source according to the funding source for business use. Here, as the charge amount, it is possible to charge electronic money equivalent to the amount short of the usage amount, or to charge electronic money equivalent to the amount set in advance by the card company or the user. For example, in the above example, if the funding source corresponding to entertainment expenses is a bank account, the charge processing unit 133 converts the insufficient amount of cash into electronic money from the bank account, and increases the amount of electronic money. Perform the processing to do.

Next, in the process of SQ208, the approval processing unit 132 of the card company terminal 100 confirms that the user's electronic money balance is equal to or exceeds the amount used, approves the transaction, and performs the process of SQ109. As a result, the communication unit 110 of the card company terminal 100 transmits a transaction approval response to the store terminal 300.

As described above, through this modification, the card company can provide a flexible electronic money charging method based on the funding source set according to the user's business purpose. Note that this modification can be applied not only to corporations but also to individual business owners and individual card users.

<Embodiment 2>
FIG. 9 is an example of a flowchart related to a charging method according to the second embodiment of the present invention. This embodiment is a method for charging value such as electronic money that can be applied when an individual or a corporation who is a card user wants to set up multiple funding sources. In this embodiment, the basic system configuration is the same as that of the first embodiment shown in FIG. 1, and the basic processing at the card company terminal 100 is the same as that of the first embodiment shown in FIG. Since the processing is the same as the processing related to the configuration, a description of the processing other than the charging processing of electronic money from the funding source will be omitted.

First, as a process in SQ301, if the balance of electronic money is insufficient for the usage amount related to the purchase of a product or service by the user, the charge processing unit 133 of the card company terminal 100 selects a first funding source (e.g. , bank account). In this case, the user can register in advance a plurality of funding sources as charging sources, and can set a funding source for charging preferentially.

As the process in SQ302, the terminal that manages the first funding source (for example, a bank account) accepts a request from the card company terminal 100 and confirms the user's account balance. In this process, the card company terminal 100 can also check the balance by acquiring the user's balance information from the first funding source. In addition, if the card company terminal 100 determines an amount in advance (such as a shortage amount or a set amount) and requests the first funding source to charge electronic money equivalent to that amount, this step is omitted. You can also do that.

Subsequently, as processing in SQ303, the charge processing unit 133 of the card company terminal 100 charges electronic money from the first funding source. If the first funding source is a bank account, a predetermined amount of cash is converted into electronic money and charged. Here, as the amount to be charged, it is possible to charge electronic money equivalent to the amount short of the usage amount, or to charge electronic money equivalent to an amount set in advance by the card company or the user. When the balance of electronic money after charging is equal to or exceeds the usage amount inquired from the store terminal, the card company terminal 100 ends the charging process.

Here, if the electronic money balance is still insufficient for the usage amount even after charging electronic money from the first funding source, as the process of SQ304, the charging processing unit 133 of the card company terminal 100 charges the second funding source. Make a charge request to a funding source (for example, a credit card). In this case, the user can set the order of requesting charging from among multiple funding sources.

Subsequently, as processing in SQ305, the terminal that manages the second funding source (for example, credit card) accepts a request from the card company terminal 100 and confirms the user's account balance. In this process, the card company terminal 100 can also check the balance by acquiring the user's balance information from the second funding source. Here, for example, when requesting a charge from a credit card company, the credit card company terminal checks the user's available amount and the like to check the balance. In addition, if the card company terminal 100 determines an amount in advance (such as a shortage amount or a set amount) and requests the second funding source to charge electronic money equivalent to that amount, this step is omitted. You can also do that.

Subsequently, as processing in SQ306, the charge processing unit 133 of the card company terminal 100 charges electronic money from the second funding source. When the second funding source is a credit card, the charge processing unit 133 of the card company terminal 100 charges electronic money equivalent to a predetermined amount and transmits amount information to the credit card company terminal. Here, as the charge amount, it is possible to charge electronic money equivalent to the amount short of the usage amount, or to charge electronic money equivalent to the amount set in advance by the card company or the user. When the balance of electronic money after charging is equal to or exceeds the usage amount inquired from the store terminal, the card company terminal 100 ends the charging process. Note that if the balance of electronic money is insufficient for the amount used, or if another funding source is set, the card company terminal 100 requests the funding source to charge or cancel the transaction. A notification of non-approval is sent to the store terminal.

As described above, through this embodiment, the card company can provide users with a more flexible method of charging electronic money.

<Embodiment 3>
FIG. 10 is an example of a flowchart related to a charging method according to the third embodiment of the present invention. This embodiment is another example of a method for charging value such as electronic money that can be applied when an individual or a corporation who is a card user wants to set up multiple funding sources. In this embodiment, the basic system configuration is the same as that of the first embodiment shown in FIG. 1, and the basic processing at the card company terminal 100 is the same as that of the first embodiment shown in FIG. Since the processing is the same as the processing related to the configuration, a description of the processing other than the charging processing of electronic money from the funding source will be omitted.

First, as a process in SQ401, if the balance of electronic money is insufficient for the usage amount related to the purchase of a product or service by the user, the charge processing unit 133 of the card company terminal 100 charges multiple fans set in advance. Regarding funding sources, set a first funding source with a relatively high priority (for example, a bank account) and a second funding source with a relatively low priority (for example, another bank account), and , check the balances of these funding sources. The amount to be charged from the first funding source and the amount to be charged from the second funding source are determined based on a certain ratio or other criteria, and the total amount to be charged from both funding sources is determined. The amount can be set to be equal to or greater than the shortfall amount.

Subsequently, in the process of SQ402, the charge processing unit 133 of the card company terminal 100 makes a charge request to the first funding source (for example, a bank account).

Subsequently, as processing in SQ403, the charge processing unit 133 of the card company terminal 100 charges electronic money from the first funding source. When the first funding source is a bank account, a predetermined amount of cash is converted into electronic money and charged. Here, as the amount to be charged, a certain percentage (e.g., equivalent to 600 yen) of the electronic money (e.g., equivalent to 1,000 yen) corresponding to the shortfall in the usage amount can be charged.

Subsequently, as processing in SQ404, the charge processing unit 133 of the card company terminal 100 makes a charge request to the second funding source (for example, another bank account).

Subsequently, as processing in SQ405, the charge processing unit 133 of the card company terminal 100 charges electronic money from the second funding source. When the second funding source is a bank account, a predetermined amount of cash is converted into electronic money and charged. Here, as the charge amount, a certain percentage (e.g., equivalent to 400 yen) of the electronic money equivalent to the shortfall amount (e.g., equivalent to 1,000 yen) relative to the usage amount can be charged. As a result, when the charge amount from the first funding source and the charge amount from the second funding source are added together, the amount becomes the same as the deficit amount, and the card company terminal 100 can approve the transaction. .

As described above, through this embodiment, the card company can provide users with a more flexible electronic money charging method through cooperation between multiple funding sources.

<Embodiment 4>
FIG. 11 is an example of a flowchart related to a charging method according to the third embodiment of the present invention. This embodiment is yet another example of a method for charging value such as electronic money that can be applied when an individual or corporation who is a card user wants to set up multiple funding sources. In this embodiment, the basic system configuration is the same as that of the first embodiment shown in FIG. 1, and the basic processing at the card company terminal 100 is the same as that of the first embodiment shown in FIG. Since the processing is the same as the processing related to the configuration, a description of the processing other than the charging processing of electronic money from the funding source will be omitted.

First, in the process of SQ501, if the electronic money balance is insufficient for the usage amount related to the purchase of products or services by the user, the charging processing unit 133 of the card company terminal 100 charges multiple fans set in advance. Among the funding sources, the first funding source (for example, a social network system) that is accessed first is inquired about the user's credit score.

Subsequently, as processing in SQ402, the first funding source (for example, a social network system) calculates a credit score by referring to the user's attribute information and behavior history on the social network. For example, a social network system verifies its user's profile information and calculates the user's credit score based on predetermined criteria. For example, a social network system may provide information about its users' profile information (e.g., place of work, age, number of friends, etc.) and/or user actions (e.g., number of likes received on posts, A credit score is calculated based on the number of comments received, etc.). There are various possible ways to distribute the score. For example, it is possible to set the score higher as the number of input contents of the profile increases, or to assign a score to each predetermined action and to accumulate the score according to the number of actions.

Subsequently, as processing in SQ403, the social network system transmits the calculated credit score to the card company terminal 100. The social network system transmits the calculated credit score (for example, 90 points) to the card company terminal 100.

Subsequently, as processing in SQ405, the charge processing unit 133 of the card company terminal 100 transmits the credit score of the user to the second funding source (eg, credit card). When making an authorization request, the charge processing unit 133 can transmit information necessary for credit, such as the amount of the product or service purchased by the user, in the form of an authorization message or the like.

Subsequently, as processing in SQ406, the second funding source (eg, credit card company terminal) refers to the received credit score of the user and/or confirms other credit information. The credit information includes, for example, the user's credit card usage limit, usage history, and the like.

Subsequently, the second funding source provides credit to the card company terminal 100 based on the result of credit confirmation. If the second funding source is a credit card, the user's credit score (e.g., 90 points) and/or other credit information may be used to determine whether a T-shirt, for example, costs 500 yen, can be purchased. A notification of permission is sent to the card company terminal 100.

As described above, through this embodiment, the card company can provide a more flexible method of charging electronic money by providing credit through cooperation between multiple funding sources.

Note that the application of the first to fourth embodiments above is not limited to charging methods for prepaid cards for using electronic money, but also for values that have a certain monetary value, including legal currency value and various points, etc. It also applies to payment media provided by media providers, such as sheet media with QR codes printed on them, electronic media such as web pages displaying QR codes, and virtual media such as web services and apps. It can also be applied.

Further, the application of the first to fourth embodiments described above is not limited to the method of charging value having monetary value, but can also be applied to a method of depositing money by remittance from value held by other users.

Although the disclosed embodiments have been described above, they can be implemented in various other forms, and can be implemented with various omissions, substitutions, and changes. These embodiments and modifications, as well as omissions, substitutions, and changes, are included within the technical scope of the claims and their equivalents.

1 Charge System 100 Card Company Terminal, 110 Communication Department, 120 Storage Department, 130 Control Department, 200 User Terminal, 300 Store Terminal, NW Network

Claims (7)

A value charging method provided by a media provider that provides a payment medium for value payments having monetary value, the method comprising:
When a user purchases a product or service provided by a member store or business owner via Value, we will accept a request for authorization for the transaction of the product or service from the member store terminal or business owner terminal,
Check the value balance of the user,
A charging method that charges value from a funding source preset by the user when the balance is less than the purchase price of the product or service. The charging method according to claim 1, wherein after charging the value, approval of the transaction is replied. The charging method according to claim 1, wherein the funding source includes at least one of a credit card, a debit card, a bank account, a blockchain account, and a carrier payment. The charging method according to claim 1, wherein the value is electronic money and the payment medium is a prepaid card. 5. The charging method according to claim 4, wherein the prepaid card is a card for a corporation, and the user is a business division of the corporation. The funding source is composed of a plurality of funding sources, and when the balance is still less than the purchase price of the product or service even if you charge from one of the plurality of funding sources, The charging method according to claim 1, further comprising charging from another funding source among the plurality of funding sources. A value charging system provided by a media provider that provides a payment medium for value payments having monetary value, the system comprising:
When a user purchases a product or service provided by a member store or business owner via Value, we will accept a request for authorization for the transaction of the product or service from the member store terminal or business owner terminal,
Check the value balance of the user,
A charging system that charges value from a funding source preset by the user when the balance is less than the purchase price of the product or service.