JP6059319B1 - Price payment management system and price payment management method - Google Patents

Abstract

The present invention provides a price payment management system and a price payment management method capable of quickly debiting a price from a user's account (for example, on the same day) when purchasing a product. Whether or not the balance of the user account is equal to or more than the usage amount when receiving credit approval information for inquiring whether or not the transaction is possible from a transaction management system for managing transactions between the member store and the card user. If the balance is equal to or greater than the usage amount, the temporary holding unit that moves the usage amount from the user account to the backup account, the instruction from the collection instruction unit, and the remittance processing by the remittance instruction unit And a collection execution unit that transfers the usage amount transferred to the backup account after execution to the advance collection account. [Selection] Figure 1

Description

  The present invention relates to a price payment management system, a price payment management method, and the like.

  In recent years, not only domestic purchases but also opportunities to use credit cards for overseas purchases, Internet shopping, and the like. For example, when a product is purchased at a predetermined member store, the credit card is used by being presented to the member store by a credit card user. At this time, the credit card issuing company once changes the payment to the member store and charges the card user later.

  Patent Document 1 discloses a method that enables a user to use a credit card within a range of a usage limit set for each member store or member store industry. According to the method described in Patent Document 1, the member store code entered by the user and the usage limit for each member store are stored, and the total used by the user within a specific period in the member store or the member store industry. By determining whether the amount of money does not exceed the stored usage limit, it is possible to set a usage limit for each type of business.

JP 2008-165359 A

  However, in the conventional method of using a credit card such as the method described in Patent Document 1, the transaction price is deducted from the user's account after a predetermined period has elapsed after the purchase of the product. is there. Therefore, the user cannot confirm the balance of his / her account after purchasing the product until a predetermined period has elapsed.

  Therefore, in view of the above circumstances, the present invention provides a price payment management system and a price payment management method capable of quickly withdrawing a price from a user's account (for example, on the same day) when purchasing a product. It is for the purpose.

  The price payment management system according to the present invention includes a transaction management system for managing transactions between a user and a member store in a member store, a user account from which the price of the transaction by the user is withdrawn, and a payment from the user account. A transaction management system that manages the balance of the user account in the account management system when receiving credit approval information for inquiring whether or not the transaction is possible from the terminal of the member store. Is received when sales information is sent from the review department that sends the balance confirmation information that inquires whether or not the usage amount is included in the credit approval information and the terminal of the member store, and when the transaction is completed. A remittance instruction unit that executes a remittance process that remits the amount corresponding to the sales amount included in the sales information to the store, and an account manager when the remittance process is completed. A collection instruction unit that issues an instruction to transfer the sales amount to the system, and when the account management system receives the balance confirmation information, it determines whether or not the balance of the user account is equal to or more than the usage amount. If the balance is equal to or greater than the usage amount, the temporary holding unit that moves the usage amount from the user account to the backup account, and the usage amount that has been transferred to the backup account after receiving instructions from the collection instruction unit And a collection execution unit that transfers money to the advanced collection account.

  The program of the present invention can be installed or loaded on a computer through various recording media such as an optical disk such as a CD-ROM, a magnetic disk, or a semiconductor memory, or via a communication network.

  Further, in this specification and the like, the “unit” does not simply mean a physical configuration, but also includes a case where the functions of the configuration are realized by software. In addition, functions of one configuration may be realized by two or more physical configurations, or functions of two or more configurations may be realized by one physical configuration.

  ADVANTAGE OF THE INVENTION According to this invention, the price payment management system and the price payment management method which can withdraw money from a user's account quickly (for example, the same day etc.) at the time of purchase of goods can be provided.

It is a block diagram of the price payment management system in embodiment of this invention. It is a figure which shows an example of the functional block of the price payment management system in embodiment of this invention. It is a figure which shows an example of the processing flow of the transaction management system in embodiment of this invention. It is a figure which shows an example of the processing flow of the account management system in embodiment of this invention. It is a figure which shows an example of the sequence diagram of the price payment management system in embodiment of this invention. It is a figure which shows an example of the hardware constitutions of the price payment management system in embodiment of this invention.

[First Embodiment]
Hereinafter, one embodiment of the present invention will be described in detail. The following embodiments are examples for explaining the present invention, and are not intended to limit the present invention only to the embodiments. The present invention can be variously modified without departing from the gist thereof. Furthermore, those skilled in the art can employ embodiments in which the elements described below are replaced with equivalent ones, and such embodiments are also included in the scope of the present invention. Furthermore, positional relationships such as up, down, left, and right shown as needed are based on the display shown unless otherwise specified. Furthermore, various dimensional ratios in the drawings are not limited to the illustrated ratios.

<1. Overview of system configuration>
FIG. 1 shows an example of the configuration of a payment payment management system 10 according to the present embodiment. As shown in FIG. 1, the payment management system 10 is connected to a retail store (hereinafter referred to as “member store”) contracted with a card issuer company (hereinafter also referred to as “card company”) via a network N. Or a terminal 300 such as an ATM.

  The terminal 300 is a computer connected to a network N such as the Internet or a dedicated line. Specifically, examples of the terminal 300 include a mobile phone, a smartphone, a PC (Personal Computer), a PDA (Personal Digital Assistant), a tablet, and a wearable terminal. When the member store has a real store, the terminal 300 has a function of scanning information recorded on the credit card and a function of transmitting the scanned information and information such as the payment amount to the payment management system 10. When the member store is engaged in mail order sales via the Internet or telephone, the terminal 300 can omit the function of scanning the information recorded on the credit card.

  The price payment management system 10 includes, for example, a transaction management system 100 and an account management system 200. In the present embodiment, transaction management system 100 and account management system 200 will be described as separate housings, but they may be constructed on the same housing. Furthermore, the transaction management system 100 and the account management system 200 may each be constructed on a plurality of cases.

  The transaction management system 100 and the account management system 200 are configured by a computer connected to a network N such as the Internet or a dedicated line. Specifically, for example, a PC or a server device may be used as a computer constituting the transaction management system 100 and the account management system 200.

  The transaction management system 100 is a system managed by a card company. The transaction management system 100 has a function of examining whether or not the credit card read by the terminal 300 of the member store is usable in response to a request from the terminal 300.

  The account management system 200 is a system used in a bank, for example. The account management system 200 has a function of managing an account opened by a user, a function of withdrawing a credit card usage amount from the account, and the like.

  In the present embodiment, the price payment management system 10 is described as being a Kurasaba type system, but is not limited to this. For example, the price payment management system 10 may be configured as a cloud computing system. In this case, the user uses the computer processing of the payment management system 10 as a service via the network. The payment management system 10 may be configured as a system including an ASP (Application Service Provider) server. Furthermore, in the present embodiment, the terminal 300 will be described as not included in the price payment management system 10, but is not limited thereto. The price payment management system 10 may include a terminal 300.

<2. Service Overview>
First, an overview of services provided by the price payment management system 10 will be described. The price payment management system 10 provides services related to transactions using cards.

  Cards are used when a card user (hereinafter referred to simply as a “user”) pays for goods and services at a merchant, or when the user pays cash at an overseas or domestic ATM. It is used when receiving a service for drawing out services. In the following, “transact” that a user receives a product or service from a member store or ATM (hereinafter referred to collectively as a “member store”) by using a card. Also called.

  Although details will be described later, in the transaction using the card according to the present invention, the user can immediately settle the transaction price, while the card company reimburses the merchant for the transaction price. Do.

  The card according to the present embodiment refers to a card issued by a card company alone or jointly by a card company and a bank. In the present embodiment, a credit card will be described as an example of a card. The card is not limited to a credit card, and may be a prepaid card, a cash card, a David card, or a payment card, for example.

  In order to use a credit card, a credit card user concludes a usage contract with a card company and a bank in advance. At this time, the user is assigned a unique credit card number (hereinafter also referred to as “credit card identifier”), and an account (hereinafter referred to as “user account”) from which the price of the transaction using the credit card is deducted. Specify). The user account and the credit card identifier are linked and managed by the account management system 200.

The credit card according to the present embodiment can be used not only for face-to-face sales but also for non-face-to-face sales such as Internet shopping. When using a credit card for non-face-to-face sales, the user can use an identifier of a credit card, for example, instead of an actual card for transactions. Furthermore, in non-face-to-face sales, the user can perform a transaction using a predetermined ID linked to an identifier of a credit card. The predetermined ID includes, for example, a login ID and a mobile ID for a predetermined system.
For example, the user can log in to a predetermined system and perform a transaction using the identifier of the credit card associated with the login ID.
The identifier of the credit card may be linked to Osaifu-Keitai (registered trademark), other IC chip settlement, or the like.

At the time of contract, the user can select a credit card usage method from the following two types with respect to payment time for a transaction using a credit card.
・ Immediate payment use (immediate payment use)
-Postpayment usage Users can conclude a contract with the card company that uses the above two types of usage methods together. The usage method selected by the user is registered in the card information DB 132 described later.

  In the present embodiment, the same day payment use refers to a method of using a credit card in which the transaction price is debited on the same day when the transaction is completed. On the other hand, postpaid use refers to a method of using a credit card, in which the price of the transaction is withdrawn at a later date after the transaction is completed. In the same day payment use, the period from when the transaction is established until the withdrawal is performed is not limited to the same day. This period may be shorter than the period from the transaction establishment to the withdrawal in the case of postpaid use, and may be, for example, several days after the transaction establishment.

  In the case of postpay use, the withdrawal date is, for example, the last day of the month following the transaction establishment date, the date specified by the card company in advance after the transaction establishment date, or the date specified by the user is after the transaction establishment date When it arrives. Further, in the case of post-payment use, the user can select payment from the lump sum payment or installment payment when using the credit card. The debit date and the selected payment method (lump sum payment or installment payment) are registered in the card information DB 132 described later.

  In addition, a credit card usage limit is set for a user who selects postpay usage at the time of a usage contract. The card company can set the maximum amount of use of one transaction and the total amount of credit card for one month as a limit amount for the user. The card company may determine the limit in advance based on the user's income, the balance of the user account, and the like. The set limit is registered in the card information DB 132 described later.

  When a use contract is concluded between the user and the card company and between the user and the bank, the user can use the credit card at the member store or the designated ATM. A unique identifier is assigned to the credit card made available by the usage contract in the payment management system 10. This credit card identifier is associated with the user and registered in a user information DB 131 described later.

<3. Functional configuration>
<3-1. Functions of terminal 300>
The terminal 300 transmits credit approval information (hereinafter also referred to as “authorization data”) for inquiring whether or not the transaction is possible to the price payment management system 10. Specifically, when the credit card is read, the terminal 300 can inquire as to whether or not the generated transaction is possible by transmitting authorization data and inquiring whether or not the credit card used for the transaction can be used.

  The authorization data includes a credit card identifier, a merchant identifier, a transaction fee (hereinafter also referred to as “use amount”), and a method of use (same day use or postpay use, hereinafter “use type”). ")" And information including at least a transaction date. As an example of the type of usage method, for example, a predetermined number of digits (hereinafter also referred to as “BIN number”) such as the first six digits of a credit card number can be cited. The authorization data can also include information on the predetermined ID described above.

  The terminal 300 can determine the usage type of the credit card based on the front and back of the credit card, the reading direction, and the like. Further, for example, the usage type may be designated by the user when using the credit card, or may be determined in advance according to the identifier of the credit card.

  A transaction is established when the terminal 300 receives from the price payment management system 10 a notification that the use of the credit card read by the terminal 300 is approved (hereinafter also referred to as “approval notification”). When the transaction is established, the terminal 300 transmits sales information to the price payment management system 10.

  The sales information includes information such as a credit card identifier, a member store identifier, a sales amount of the member store's current transaction (hereinafter also simply referred to as “sales amount”), a BIN number indicating a usage type, and the like. Information that includes at least the transaction date.

  On the other hand, when the terminal 300 receives from the payment management system 10 a notification that the use of the credit card read by the terminal 300 is not approved (hereinafter also referred to as “non-repudiation notification”), the transaction is not established.

<3-2. Function of Transaction Management System 100>
With reference to FIG. 2A, a functional configuration of the transaction management system 100 according to the present embodiment will be described. FIG. 2A is a diagram illustrating an example of a functional block diagram of the transaction management system 100. The transaction management system 100 includes a user information DB 131, a card information DB 132, a member store information DB 133, a fraud detection unit 101, a screening unit 102, a matching unit 103, a remittance instruction unit 104, and a collection instruction unit 105. And a point granting unit 106.

  The user information DB 131 stores a user identifier, an identifier of a credit card held by the user, and a point total value in association with each other. The credit card identifier is an identifier assigned when the user enters into a usage contract with the card company and the bank. When a user has a plurality of credit cards, for example, by concluding a plurality of usage contracts with a card company and a bank, the identifiers of the plurality of credit cards are associated with one user identifier. For example, a plurality of credit card identifiers having different usage methods may be associated with one user identifier.

  The point sum value is a sum value of points given by a point granting unit 106 to be described later to a plurality of credit cards associated with one user identifier.

  The card information DB 132 includes, for example, a credit card identifier, a usage type, a user account from which the usage amount is deducted when the credit card is used, a usage history of the credit card, and a limit (postpayment). (In the case of a credit card corresponding to use) and the total points are stored in association with each other. The card information DB 132 may store an ID (such as the system ID and mobile ID described above) associated with the user account.

Credit card usage history includes, for example, the identifier of the member store where the credit card was used, the usage amount, the total amount of the usage amount for the month, the usage date and time, the date and time when the usage amount was deducted from the user account, and the withdrawal Including the presence or absence of delays in
The point total refers to the total value of points given by the point granting unit 106 described later.

  The usage type stored in the card information DB 132 is the usage method of the credit card selected when the user signs a usage contract with the card company. A plurality of types of use (same day use, postpay use, or a combination thereof) may be associated with one credit card identifier. In addition, as an initial value of the limit amount stored in the card information DB 132, the limit amount set when the user signs a use contract with the card company is stored. The limit amount may be updated according to the usage history of the corresponding credit card. This update is performed based on, for example, a case in which there is no delay at the time of withdrawal for a predetermined period in the usage history or based on the usage amount.

  The member store information DB 133 includes identifiers of member stores, names of member stores, business types, business history, monthly sales by credit card, information on changes in monthly sales, information on fraudulent transactions, and the like. Saved.

  The member store information DB 133 can store, for example, information indicating a rapid decrease or disappearance of sales as information related to the transition of monthly sales. In addition, the member store information DB 133 can store, for example, information indicating that the unit sales price is unreasonably high as information on fraudulent transactions. In addition, the member store information DB 133 can store, as other information, information on cancellation of member store contracts, closing of stores and changes of representatives, corporate bankruptcy and bankruptcy information posted in the official gazette, and the like.

  The name, business type, and business history of the member store, etc. stored in the member store information DB 133 can be acquired when the card company makes a contract with the member store. Further, other information stored in the member store information DB 133 can be added / updated based on the credit card payment results after the member store contract.

  When the fraud detection unit 101 receives the authorization data from the terminal 300, the fraud detection unit 101 executes fraud detection processing based on the user information DB 131, the card information DB 132, and the member store information DB 133.

  For example, the fraud detection unit 101 refers to the member store information DB 133 as the fraud detection process, and the business type corresponding to the identifier of the member store or the like included in the authorization data corresponds to the usage type selected by the user. It can be determined whether or not. Specifically, when the user selects “Use same day payment”, the fraud detection unit 101 repeatedly generates a usage amount at regular intervals for a predetermined period, such as payment of a utility bill or newspaper subscription. Suspend the use of credit cards for such industries. In addition, when the user uses a postpaid credit card, the fraud detection unit 101 can update a record corresponding to a member store of such an industry in the member store information DB 133. Specifically, the fraud detection unit 101 is an industry in which, when the usage amount is repeatedly received from the member store terminal 300 at a predetermined interval for a predetermined period, the usage amount is repeatedly generated for the member store. Assign an industry code indicating that.

  In addition, for example, the fraud detection unit 101 refers to the card information DB 132 as fraud detection processing, and determines whether or not to suspend the use of the credit card from the use history corresponding to the credit card identifier included in the authorization data. Can be determined. Specifically, when the user selects “postpay use”, the fraud detection unit 101 determines that the previous credit card usage amount has not been deducted from the user account and the due date has arrived. Suspend the use of a credit card corresponding to the current usage history. In this case, the fraud detector 101 updates the record corresponding to the credit card in the card information DB 132. Specifically, “delay at withdrawal” in the credit card usage history is updated to “present”. Further, in this case, even if the user selects “Use same day payment”, the fraud detector 101 refers to the user information DB 131 and completes the withdrawal even though the payment due date has passed. It is possible to suspend the use of a credit card associated with a user who has a credit card that has not been put together.

  As described above, according to the fraud detection unit 101 according to the present embodiment, it is possible to execute the fraud detection process based on the usage history of credit cards having different usage types. Thereby, the accuracy of fraud detection can be improved.

  The fraud detector 101 may refer to the card information DB 132 or the member store information DB 133 to analyze a past fraudulent usage history and create a fraud detection rule in advance. For example, fraud detection rules can be used when a user has been using a credit card for a certain period in the past, “if there is a lot of high usage in remote areas” or “highly convertible and expensive products. "When the use of" continues. " In this case, the fraud detector 101 can suspend use of a credit card that matches the fraud detection rule.

  When the fraud detection unit 101 suspends the use of the credit card by the fraud detection process, the fraud detection unit 101 notifies the terminal 300 that the use of the credit card is suspended (hereinafter also referred to as “holding notification”).

The examination unit 102 receives the authorization data from the terminal 300 and determines whether or not to approve the use of the credit card when the fraud detection unit 101 does not suspend the use. The examination unit 102 executes the following two kinds of examination processes based on information such as a BIN number indicating the use type included in the authorization data.
・ Examination processing based on credit line ・ Examination processing based on account balance

(Examination processing based on credit line)
When the usage type included in the authorization data is “postpaid use”, the examination unit 102 examines whether or not the usage amount is within the range of the credit limit as examination processing. For example, with reference to the card information DB 132, the examination unit 102 can determine whether the added amount obtained by adding the current usage amount to the total usage amount of the current month exceeds the limit amount. When the added amount is equal to or less than the limit amount, the examination unit 102 notifies the terminal 300 of approval.

  On the other hand, when the added amount is larger than the limit amount, the examination unit 102 issues a denial notification to the terminal 300.

(Examination process based on account balance)
When the usage type indicated by the information such as the BIN number included in the authorization data is “same-day payment usage”, the screening unit 102 determines whether or not the balance of the user account is equal to or larger than the usage amount as a screening process. An inquiry (hereinafter also referred to as “balance confirmation request”) is made to the account management system 200. For example, the examination unit 102 refers to the card information DB 132 and transmits the user account corresponding to the identifier of the credit card included in the authorization data and the usage amount to the account management system 200, and the balance You can request confirmation. When the account management system 200 notifies that the balance of the user account is equal to or greater than the usage amount, the examination unit 102 notifies the terminal 300 of approval.

  On the other hand, when the account management system 200 notifies that the balance of the user account is less than the usage amount, the examination unit 102 issues a denial notification to the terminal 300.

  When the sales information is received from the terminal 300, the matching unit 103 determines whether the authorization data matches the sales information. For example, the matching unit 103 determines whether information such as transaction date, credit card identifier, member store identifier, sales amount / use amount, and the like included in the sales information and the authorization data match based on a predetermined logic. Judgment is made. If the authorization data does not match the sales information (including the case where the authorization data is not received before receiving the usage information), the matching unit 103 notifies the terminal 300 that the transaction is suspended. Can be sent. The transaction put on hold by the matching unit 103 can be visually confirmed by, for example, a system administrator. In addition, the matching unit 103 may transmit an email requesting payment to the user when the usage amount does not match the sales amount. Further, in this case, it is desirable that the fraud detection unit 101 described above creates a fraud detection rule based on the authorization data received this time.

  The remittance instructing unit 104 executes remittance processing for remittance to the member store an amount corresponding to the sales amount. The remittance instruction unit 104 can remit money to, for example, an account of a member store. In addition, the remittance instruction unit 104 can remit the amount corresponding to the sales amount from an account of the card company (hereinafter also referred to as “replacement account”). Note that it is desirable that the remittance instruction unit 104 executes the remittance process even when the matching unit 103 determines that the information included in the authorization data does not match the information included in the sales information.

The collection instructing unit 105 executes a bond collection process when the matching unit 103 determines that the usage amount and the sales amount match. For example, the collection instruction unit 105 performs one of the following two types of bond collection processing based on the selected usage type.
・ Withdrawal instruction processing ・ Account transfer instruction processing

(Withdrawal instruction processing)
When the usage type indicated by the information such as the BIN number included in the authorization data is “postpaid usage”, the collection instruction unit 105 executes a withdrawal instruction process. The debiting process is a process of instructing the account management system 200 to deduct an amount corresponding to the sales amount from the user account to an account held by the card company (hereinafter also referred to as “recovery collection account”). Say. The advance collection account may be the same account as the above-described advance account or may be an account managed by an external system other than the account management system 200. For example, the collection instruction unit 105 refers to the card information DB 132 and designates the user account corresponding to the credit card identifier included in the authorization data, the withdrawal amount corresponding to the sales amount, and the withdrawal date. The debit can be instructed to the account management system 200. When the user has selected installments, it is desirable that the collection instructing unit 105 further specifies the number of installments.

(Account transfer instruction processing)
When the usage type included in the authorization data is “Immediate Payment”, the collection instruction unit 105 executes an account transfer instruction process. The account transfer instruction process is a process for instructing the account management system 200 to transfer an amount corresponding to the sales amount from an account held by the bank (hereinafter also referred to as a “backup account”) to a replacement collection account. Say. Although details will be described later, in response to the above-described examination processing based on the account balance, in the account management system 200, the usage amount is transferred from the user account to the backup account. For example, the collection instructing unit 105 can designate a backup account and a transfer amount, and instruct the transfer of the transfer amount corresponding to the sales amount from the backup account to the replacement collection account.

  Note that the collection execution unit 202 may collectively perform the collection of claims for a plurality of transactions. In this case, the collection instructing unit 105 designates and notifies the account management system 200 by specifying a payment date, and when the payment date arrives, the collection instruction unit 105 changes the specified account (user account or backup account) from the designated account (user account or backup account) to the replacement collection account. An instruction is sent to move (or withdraw) the amount corresponding to the sum of the sales amount of the transaction.

  The point awarding unit 106 executes the point awarding process when the bond collection process of the collection instruction unit 105 is completed. Specifically, the point granting unit 106 adds the point corresponding to the credit card identifier to the total amount of points in the user information DB 131 and the point total in the card information DB 132, and the amount corresponding to the amount transferred to the advance collection account this time. Is added and updated.

A processing flow of the transaction management system 100 will be described with reference to FIG.
When the member store terminal 300 reads the credit card presented to the user, authorization data including the usage amount corresponding to the price is transmitted to the transaction management system 100. When the fraud detection unit 101 receives the authorization data (S101: YES), the fraud detection process is executed. For example, the fraud detection unit 101 verifies whether the authorization data received this time is applicable to a fraud detection rule created in advance. If the fraud detection unit 101 determines that the authorization data received this time is related to fraudulent use (S102: NO), the fraud detection unit 101 issues a hold notification to the terminal 300 (S157).

  On the other hand, when the fraud detection unit 101 determines that the authorization data received this time is not related to unauthorized use (S102: YES), the examination unit 102 executes examination processing. Specifically, the examination unit 102 first refers to information indicating a usage type such as a BIN number included in the authorization data, and determines whether the current credit card usage is postpay usage or same-day payment usage. Confirm (S103).

  If the usage type is postpaid usage, the examination unit 102 executes credit frame examination processing (S104). On the other hand, if the usage type is same-day payment usage, the examination unit 102 executes account balance examination processing and transmits a balance confirmation request to the account management system 200 (S124).

  When judging that the transaction cannot be approved as a result of the examination (S105: NO), the examination unit 102 transmits a denial notification to the terminal 300 (S155).

  On the other hand, when judging that the transaction can be approved as a result of the examination (S105: YES), the examination unit 102 transmits an approval notification to the terminal 300 (S106). Upon receiving the approval notification, the terminal 300 establishes a transaction and transmits sales information including the actual sales amount of this time to the transaction management system 100.

  When the sales information is received, the remittance instruction unit 104 executes a remittance process of the sales amount to the member store (S107). Next, the matching unit 103 determines whether or not the already received authorization data matches the sales information received this time (S108).

  When the matching unit 103 determines that the authorization data and the sales information do not match (S108: NO), the matching unit 103 transmits a notification to the effect that the transaction is suspended to the terminal 300 (S157).

  On the other hand, when the matching unit 103 determines that the authorization data and the sales information match (S108: YES) and the remittance processing is completed (S109: YES), the collection instruction unit 105 The debt collection process is executed according to the type.

  For example, when the usage type is postpaid use, the collection instruction unit 105 executes a withdrawal instruction process and causes the account management system 200 to withdraw a withdrawal amount corresponding to the sales amount from the user account to the replacement collection account. (S111). On the other hand, if the usage type is same-day payment use, the collection instruction unit 105 executes an account transfer instruction process, and transfers the transfer amount corresponding to the sales amount from the backup account to the replacement collection account. (S124).

  When the debt collection process is completed, the point giving unit 106 gives points corresponding to the amount transferred to the advance collection account to the credit card user and the used credit card (S112).

<3-3. Account Management System 200>
With reference to FIG. 2B, a functional configuration of the account management system 200 according to the present embodiment will be described. FIG. 2B is a diagram illustrating an example of a functional block diagram of the account management system 200. The account management system 200 includes a customer information DB 231, a temporary presser unit 201, and a collection execution unit 202.

  The customer information DB 231 stores the account number of the account opened by the user in the bank, the type of deposit such as normal / current account, the name of the account, the balance, and the like in association with each other. In the present embodiment, information related to at least a user account, a backup account, and a replacement collection account is recorded in the account information DB 231.

  When the temporary presser unit 201 receives a balance confirmation request from the transaction management system 100, the provisional presser unit 201 refers to the customer information DB 231 and confirms whether the balance of the user account is equal to or greater than the usage amount. After the confirmation, the temporary presser unit 201 can return the balance of the user account to the examination unit 102.

  Furthermore, when the balance of the user account is equal to or greater than the usage amount, the temporary holding unit 201 moves the usage amount from the user account to the backup account. For example, the temporary presser unit 201 can update the customer information DB 231 by subtracting the usage amount from the balance of the user account in the customer information DB 231 and adding the usage amount to the balance of the backup account.

  The collection execution unit 202 receives the instruction from the collection instruction unit 105, and after the remittance process is executed by the remittance instruction unit 104, the collection execution unit 202 moves the designated amount from the designated account to the replacement collection account. For example, when the collection execution unit 202 receives an account transfer instruction from the collection instruction unit 105, the collection execution unit 202 subtracts the designated transfer amount from the balance of the backup account in the customer information DB 231 and moves to the balance of the replacement collection account The customer information DB 231 can be updated by adding the amount. Further, for example, when the collection execution unit 202 receives a withdrawal instruction from the collection instruction unit 105, the collection execution unit 202 subtracts the designated withdrawal amount from the balance of the user account in the customer information DB 231 to obtain the balance of the replacement collection account. The customer information DB 231 can be updated by adding the debit amount.

  With reference to FIG. 4, the processing flow of the account management system 200 when the user uses a credit card for same-day payment will be described.

  When the account management system 200 receives a balance confirmation request from the transaction management system 100 (S201: YES), the provisional presser unit 201 executes a balance confirmation process. Specifically, referring to the balance confirmation request, it is determined whether or not the balance of the designated user account is equal to or greater than the designated usage amount (S202). When the balance of the user account is equal to or greater than the usage amount (S202: YES), the temporary presser unit 201 moves the usage amount from the user account to the backup account (S230). The temporary presser 201 further notifies the transaction management system 100 of the balance confirmation result (S204).

  Next, when the account management system 200 receives an account transfer instruction from the transaction management system 100 (S205: YES), and when the remittance processing by the remittance instruction unit 104 has been completed (S206: YES). ), The collection execution unit 202 moves the designated transfer amount from the backup account to the replacement collection account (S207).

<3-4. Processing sequence>
Next, with reference to FIG. 5, a processing sequence of the price payment management system 10 and the terminal 300 according to the present embodiment when a user uses a credit card for same-day payment at a member store will be described. In this example, the transaction performed by the user at the member store is valid, and a case where the balance remaining in the user account is larger than the usage amount will be described as an example.

  The terminal 300 transmits the authorization data to the transaction management system 100 (S31). This authorization data includes the identifier of the credit card read by the terminal 300, the identifier of the member store, and the current usage amount.

  When the transaction management system 100 receives the authorization data, the fraud detector 101 verifies whether the current transaction can be approved by referring to the fraud detection rule created in advance (S11). When the fraud detection unit 101 determines that the current transaction can be approved, the examination unit 102 designates the use amount and the user account, and transmits a balance confirmation request to the account management system 200 ( S12).

  The provisional presser unit 201 of the account management system 200 refers to the customer information DB 231 to determine whether the balance of the designated user account exceeds the designated usage amount (S21). When the balance of the user account exceeds the usage amount, the temporary holding unit 201 moves the usage amount from the user account to the backup account (S22).

  Further, the temporary presser unit 201 transmits a notification to the effect that the balance of the user account exceeds the usage amount to the examination unit 102 (S23). Upon receiving the balance confirmation result from the temporary presser unit 201, the examination unit 102 notifies the terminal 300 of the member store that the authorization data is approved (S12).

  Upon receiving the notification, the terminal 300 establishes a transaction (S32) and provides the user with a product / service (in this case, a bag). When the transaction is established, the terminal 300 transmits the sales information to the transaction management system 100 (S33).

  When the transaction management system 100 receives the sales information, the remittance instruction unit 104 remits the sales amount to the member store (S13). In addition, this remittance process may perform the remittance regarding a some transaction collectively.

  Next, the matching unit 103 determines whether the authorization data matches the sales information (S14). If the usage amount and the sales amount match and the remittance processing by the remittance instruction unit 104 is completed, the collection instruction unit 105 notifies the account management system 200 of an account transfer instruction (S15). .

  When the collection execution unit 202 receives the instruction from the collection instruction unit 105 and the remittance processing of the remittance instruction unit 104 is completed, the collection execution unit 202 moves the transfer amount corresponding to the sales amount from the backup account to the replacement collection account (S24). .

  In this way, the transaction is approved by the card company system and the amount of money between the accounts is transferred by the bank system, so that even a credit card can be debited on the same day.

<4. Hardware configuration>
Hereinafter, an example of a hardware configuration when the above-described terminal 300, transaction management system 100, and account management system 200 are realized by a computer 800 will be described with reference to FIG. The function of each device can be realized by dividing it into a plurality of devices.

  As illustrated in FIG. 9, the computer 800 includes a processor 801, a memory 803, a storage device 805, an input I / F unit 807, a data I / F unit 809, a communication I / F unit 811, and a display device 813.

  The processor 801 controls various processes in the computer 800 by executing a program stored in the memory 803. For example, the fraud detection unit 101, the examination unit 102, the matching unit 103, the remittance instruction unit 104, the collection instruction unit 105, the temporary holding unit 201, the collection execution unit 202, and the like of the transaction management system 100 are stored in the memory 803. The program can be realized as a program that mainly operates on the processor 801 after being temporarily stored.

  The memory 803 is a storage medium such as a RAM (Random Access Memory). The memory 803 temporarily stores a program code of a program executed by the processor 801 and data necessary for executing the program.

  The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or a flash memory. The storage device 805 stores an operating system and various programs for realizing the above-described configurations. In addition, the storage device 805 can store a user information DB 131, a card information DB 132, a member store information DB 133, and a customer information DB 231. Such programs and data are referred to by the processor 801 by being loaded into the memory 803 as necessary.

  The input I / F unit 807 is a device for receiving input from the user. Specific examples of the input I / F unit 807 include a keyboard, a mouse, a touch panel, various sensors, and a wearable device. The input I / F unit 807 may be connected to the computer 800 via an interface such as a USB (Universal Serial Bus).

  A data I / F unit 809 is a device for inputting data from the outside of the computer 800. Specific examples of the data I / F unit 809 include a drive device for reading data stored in various storage media. The data I / F unit 809 may be provided outside the computer 800. In this case, the data I / F unit 809 is connected to the computer 800 via an interface such as a USB.

  The communication I / F unit 811 is a device for performing data communication with the external device of the computer 800 via the Internet N by wire or wireless. The communication I / F unit 811 may be provided outside the computer 800. In that case, the communication I / F unit 811 is connected to the computer 800 via an interface such as a USB.

  The display device 813 is a device for displaying various information. Specific examples of the display device 813 include a liquid crystal display, an organic EL (Electro-Luminescence) display, and a wearable device display. The display device 813 may be provided outside the computer 800. In that case, the display device 813 is connected to the computer 800 via, for example, a display cable.

[Second Embodiment]

  In the second and subsequent embodiments, description of matters common to the first embodiment is omitted, and only different points will be described. In particular, the same operation effect by the same configuration will not be sequentially described for each embodiment.

  In the present embodiment, the screening unit 102 can execute a usage type switching process in addition to a screening process based on a credit frame and a screening process based on an account balance.

(Examination processing based on credit line)
The credit frame examination process according to the present embodiment is the same as that of the first embodiment.

(Examination process based on account balance)
In the examination process based on the account balance according to the present embodiment, the examination unit 102, when notified from the account management system 200 that the balance of the user account is less than the usage amount, to the terminal 300 It is also possible to execute the usage type switching process without performing the denial notification.
The other examination processes based on the account balance are the same as those in the first embodiment.

(Use type switching process)
In the usage type switching process, the examination unit 102 first receives a notification of the balance of the user account from the account management system 200. The examination unit 102 performs examination processing based on the credit examination frame based on the amount obtained by subtracting the notified balance from the usage amount (hereinafter also referred to as “balance excess amount”). Specifically, the examination unit 102 can refer to the card information DB 132 to determine whether or not the added amount obtained by adding the balance excess amount to the total amount of the current month's usage amount exceeds the limit amount. When the added amount is equal to or less than the limit amount, the examination unit 102 notifies the terminal 300 of approval. Further, in this case, the examination unit 102 notifies the collection instruction unit 105 that the withdrawal request process is executed with the withdrawal amount as the excess balance amount. On the other hand, when the added amount is larger than the limit amount, the examination unit 102 issues a denial notification to the terminal 300. Other functions of the examination unit 102 are the same as those in the first embodiment.

  In the payment management system 10 according to the present embodiment, when the user designates the same-day payment use and the balance of the user account is insufficient, it is automatically changed to the post-payment use. Is possible.

  Other configurations and effects are the same as those of the first embodiment.

[Third embodiment]
In this embodiment, the remittance instruction unit 104 issues a certificate when the remittance processing for the member store is completed. The certificate is, for example, an electronic message indicating that payment to the member store has been completed.

  In the present embodiment, the collection instruction unit 105 transmits this certificate to the account management system 200 when performing a collection instruction. The collection instruction unit 105 can store the date and time when the collection instruction is transmitted and the transmitted certificate in association with the corresponding credit card identifier record in the card information DB 132. Other configurations and functions of the transaction management system 100 are the same as those in the first embodiment.

In the present embodiment, the collection execution unit 202 of the account management system 200 moves the designated amount from the designated account to the replacement collection account only when receiving the collection instruction and the certificate.
In the present embodiment, the account management system 200 desirably has a collection history DB. In the collection history DB, for example, a date and time when a collection instruction is received, an identifier of a specified account (a backup account or a user account), and a certificate received from the collection instruction unit 105 are stored in association with each other. Yes. Other configurations and functions of the account management system 200 are the same as those in the first embodiment.

  As described above, according to the price payment management system 10 according to the present embodiment, if there is no certificate issued when the remittance to the member store is completed, the collection execution unit 202 specifies the specified amount from the specified account. Do not execute the process of moving the account to the advanced collection account. Thereby, it is possible to prevent the sales amount (or the usage amount) from being transferred from the user account or the reserve account to the advance collection account before the remittance. Other configurations and effects are the same as those of the first embodiment.

  Each embodiment described above is for facilitating understanding of the present invention, and is not intended to limit the present invention. The present invention can be changed / improved without departing from the spirit thereof, and the present invention includes equivalents thereof. Each embodiment is an exemplification, and it is needless to say that a partial replacement or combination of configurations shown in different embodiments is possible, and these are also included in the scope of the present invention as long as they include the features of the present invention. .

10 payment management system 100 transaction management system 101 fraud detection unit 102 examination unit 103 matching unit 104 remittance instruction unit 105 collection instruction unit 106 point grant unit 131 user information DB
132 Card information DB
133 Merchant Information DB
200 Account Management System 201 Temporary Pressing Unit 202 Recovery Execution Unit 231 Customer Information DB
300 terminals N network

Claims (11)

A transaction management system for managing a transaction between a user and the member store in a member store, and an account management system for managing a user account from which the price of the transaction by the user is deducted;
With
The transaction management system includes:
Whether or not the balance of the user account is greater than or equal to the usage amount included in the credit approval information in the account management system when receiving credit approval information inquiring whether the transaction is possible from the terminal of the member store A screening department that sends balance confirmation information for inquiries,
When the sales information transmitted when the transaction is completed is received from the terminal of the member store, a remittance process for remitting the member store an amount corresponding to the sales amount included in the sales information from the replacement account. Remittance instruction unit to execute
After the remittance processing has been completed, to the account management system, and a recovery instruction unit that issues an instruction to credited the sales amount,
Have
The account management system includes:
When the balance confirmation information is received, it is confirmed whether or not the balance of the user account is greater than or equal to the usage amount. If the balance is greater than or equal to the usage amount, the usage amount is determined to be the user. Temporary presser part to move from the account to the reserve account,
After receiving the instruction from the recovery instruction unit, a recovery execution unit that transfers the usage amount transferred to the backup account from the backup account to the replacement recovery account;
Having a payment management system. The examination department
The price payment management system according to claim 1, wherein when the user selects postpay, it is determined whether or not the usage amount is within a predetermined credit range. The transaction management system further includes:
A user behavior storage unit for storing information on fraudulent transactions by the user;
A member store information storage unit for storing information on transactions in the member store;
When receiving the credit approval information, based on the user behavior storage unit or the member store information storage unit, a fraud detection unit for confirming whether or not the transaction is appropriate;
The price payment management system according to claim 1 or 2, characterized by comprising: In the account management system for managing the user account from which the price of the transaction by the user is deducted when receiving the credit approval information inquiring whether the transaction between the user and the member store is possible from the terminal of the member store, An inquiry is made as to whether or not the balance of the user account is greater than or equal to the usage amount included in the credit approval information, and when the balance is greater than or equal to the usage amount, the usage amount is calculated from the user account as a backup account. A review department that sends balance confirmation information to be moved to,
When the sales information transmitted when the transaction is completed is received from the terminal of the member store, a remittance process for remitting the member store an amount corresponding to the sales amount included in the sales information from the replacement account. Remittance instruction unit to execute
After the remittance processing has been completed, to the account management system, and a recovery instruction unit that issues an instruction to credited the sales amount,
A transaction management system comprising: A management department that manages the user account from which the user will be deducted for transactions at member stores,
When the credit approval information for inquiring whether or not the transaction is possible is received from a transaction management system for managing transactions between the user and the member store, the balance of the user account is included in the credit approval information. Whether the balance is equal to or greater than the usage amount, a temporary presser unit that moves the usage amount from the user account to a backup account;
An instruction to transfer the sales amount is received from the transaction management system, and further, the sales amount included in the sales information transmitted when the transaction is completed is transferred from the substitute account to the member store by the transaction management system. A collection execution unit that transfers the usage amount transferred to the backup account after the process is performed, from the backup account to the replacement collection account;
Having an account management system. Executed in a transaction management system that manages transactions between a user and the member store in a member store, a user account from which the price of the transaction by the user is deducted, and an account management system that manages the user account ,
The transaction management system is
Whether or not the balance of the user account is greater than or equal to the usage amount included in the credit approval information in the account management system when receiving credit approval information inquiring whether the transaction is possible from the terminal of the member store A review step that sends balance verification information to ask,
When the sales information transmitted when the transaction is completed is received from the terminal of the member store, a remittance process for remitting the member store an amount corresponding to the sales amount included in the sales information from the replacement account. A remittance step to perform,
After the remittance process is completed in the remittance step, a collection instruction step for giving an instruction to transfer the sales amount to the account management system;
Run
The account management system is
When the balance confirmation information is received, it is confirmed whether or not the balance of the user account is greater than or equal to the usage amount. If the balance is greater than or equal to the usage amount, the usage amount is determined to be the user. Temporary presser step to move from the account to the reserve account,
A collection execution step of receiving an instruction to transfer the sales amount, and further transferring the usage amount transferred to the backup account from the backup account to a replacement collection account after the remittance processing by the transfer step is executed. ,
Execute the payment management method. Computer
An account management system for managing a user account from which the price of the transaction by the user is deducted when receiving credit approval information for inquiring whether the transaction is possible in the transaction between the user and the member store from the terminal of the member store Inquiry whether the balance of the user account is greater than or equal to the usage amount included in the credit approval information, and if the balance is greater than or equal to the usage amount, the usage amount is calculated from the user account, A review step to send balance verification information to be transferred to the backup account;
When the sales information transmitted when the transaction is completed is received from the terminal of the member store, a remittance process for remitting the member store an amount corresponding to the sales amount included in the sales information from the replacement account. A remittance step to perform,
After the remittance process is completed in the remittance step, a collection instruction step for giving an instruction to transfer the sales amount to the account management system;
Transaction management method to execute. Computer
Administrative steps to manage user accounts from which the user is charged for transactions at merchants;
When receiving credit approval information for inquiring whether or not the transaction is possible from a transaction management system for managing the transaction, it is confirmed whether or not the balance of the user account is equal to or more than the usage amount included in the credit approval information. And, when the balance is equal to or greater than the usage amount, a temporary press step of moving the usage amount from the user account to a backup account;
An instruction to transfer the sales amount is received from the transaction management system, and further, the sales amount included in the sales information transmitted when the transaction is completed is transferred from the substitute account to the member store by the transaction management system. A recovery execution step of transferring the usage amount transferred to the backup account after the process is executed, from the backup account to the replacement recovery account;
Execute the account management method. Computer
An account management system for managing a user account from which the price of the transaction by the user is deducted when receiving credit approval information for inquiring whether the transaction is possible in the transaction between the user and the member store from the terminal of the member store Inquiry whether the balance of the user account is greater than or equal to the usage amount included in the credit approval information, and if the balance is greater than or equal to the usage amount, the usage amount is calculated from the user account, Review means for sending balance confirmation information to be transferred to the backup account,
When the sales information transmitted when the transaction is completed is received from the terminal of the member store, a remittance process for remitting the member store an amount corresponding to the sales amount included in the sales information from the replacement account. Remittance means for executing, and after the remittance processing is completed in the remittance means, a collection instruction means for issuing an instruction to transfer the sales amount to the account management system,
Transaction management program to function as. Computer
Management means for managing user accounts from which the user's transaction fees at member stores are deducted,
When receiving credit approval information for inquiring whether or not the transaction is possible from a transaction management system for managing the transaction, it is confirmed whether or not the balance of the user account is equal to or more than the usage amount included in the credit approval information. When the balance is equal to or greater than the usage amount, the temporary holding means for moving the usage amount from the user account to a backup account, and the transaction management system receives an instruction to transfer the sales amount, Furthermore, after the transaction management system executes a process of transferring the sales amount included in the sales information transmitted when the transaction is completed to the member store from the advance account , the use transferred to the reserve account is performed. A collection execution means for transferring the amount from the reserve account to the replacement collection account,
Account management program to function as.   The price payment management system according to any one of claims 1 to 3, wherein the advance account and the advance collection account are the same account.

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