JP6065475B2 - Settlement device and settlement method - Google Patents

Description

  The present invention relates to a settlement apparatus and a settlement method.

Withdrawal from bank accounts is used to pay for the purchase of goods and the enjoyment of services. For example, when paying a utility bill or the like by automatic withdrawal, the payer informs the biller of the account number of the payment account in advance. For example, when paying for a product purchased through mail order by debiting from a bank account, the payer informs the biller of the account number of the payment account when ordering the product.
On the other hand, Patent Document 1 describes a technique for dividing a parent card usage limit amount and giving it to a child card.

Japanese Patent Laid-Open No. 3-196394

In order to manage the household, the payer may have a plurality of bank accounts according to usage, such as a bank account for living expenses and a bank account for travel. In this way, when the payer has multiple bank accounts as payment channels, when paying by debiting from the bank account, select the bank account for the usage according to the payment object, and select the selected bank account You need to inform the claimant of your account number. The trouble of paying from the payment channel for each use is complicated for the payer.
For example, even if the technique of Patent Document 1 is applied and a child card is generated for each use, the payer must select the child card according to the use every time payment is made, and the above-described problem is solved. is not.

  The present invention has been made in consideration of such circumstances, and provides a settlement apparatus and a settlement method capable of paying from a payment channel according to use determined by a payer while reducing the labor of the payer. provide.

In order to achieve the above object, the invention described in claim 1 is directed to a plurality of payment channels associated with the payer's integrated payment channel identification information, a selection condition for the payment channel, and a biller that identifies the biller. The receiving channel associated with the identification information is stored, and is associated with the claimant attribute information indicating the attribute of the claimant and the payment object identification information for specifying the payment object, associated with the claimant identification information. A billing request in which one or both of the payment object attribute information indicating the payment object attribute is stored, integrated payment channel identification information, biller identification information, payment object identification information, and billing amount is set. A request request receiving unit for receiving the requester attribute information stored in the storage unit corresponding to the claimant identification information in the request for billing, and One or both of the payment object attribute information stored in the storage unit corresponding to the payment object identification information in the request for request and the storage corresponding to the integrated payment channel identification information in the billing request A payment channel selection unit that selects the payment channel by checking the selection conditions stored in the unit, and deducts the charge amount in the billing request from the payment channel selected by the payment channel selection unit Payment channel balance processing unit and receipt for depositing the charged amount withdrawn by the payment channel balance processing unit to the receiving channel stored in the storage unit corresponding to the claimant identification information in the request comprising a channel balance processing unit, wherein the payment channel selector, said verification results, it is determined that the selection condition is not met situ , If it is determined that there is a payment channel satisfying a part of the selection condition among the payment channels stored in the storage unit corresponding to the integrated payment channel identification information in the billing request, When it is determined that all the payment channels do not satisfy any of the selection conditions, the payment channel is notified to the payer's payer terminal device, and the payer is notified from the notified payment channels. The selected payment channel is received from the payer terminal device, and the payment channel balance processing unit obtains the bill amount in the billing request from the payment channel received by the payment channel selection unit from the payer terminal device. pull down, it is settling apparatus according to claim.

  The invention described in claim 2 is the settlement apparatus according to claim 1, wherein the integrated payment channel identification information specifies the account of the payer, and the payment channel is the account of the payer. It is a sub-account divided into two.

  Further, the invention described in claim 3 is the payment apparatus according to claim 1 or 2, wherein the payment device generates approval information and is specified by the integrated payment channel identification information in the claim request. Further comprising an approval information transmitting unit for transmitting to the payer terminal device of the payer, wherein the payment channel balance processing unit is selected by the payment channel selecting unit when receiving the approval information from the payer terminal device The charged amount is deducted from the payment channel.

  The invention according to claim 4 is the settlement apparatus according to any one of claims 1 to 3, wherein the billing request further includes additional information input by the claimant, and the payment The channel selection unit further compares the additional information in the billing request with the selection condition stored in the storage unit corresponding to the integrated payment channel identification information in the billing request to determine the payment channel. It is characterized by selecting.

Further, the invention according to claim 5 is the settlement apparatus according to any one of claims 1 to 4 , wherein the payment channel selection unit determines that the balance of the selected payment channel is the amount of the charge. If not, the payment channel stored in the storage unit corresponding to the integrated payment channel identification information in the billing request is notified to the payer terminal device of the payer, The payment channel selected by the payer from the payer terminal device is received from the payer terminal device, and the payment channel balance processing unit receives the payment request from the payment channel received from the payer terminal device by the payment channel selection unit. The charged amount is deducted.

The invention according to claim 6 is the settlement apparatus according to any one of claims 1 to 5 , wherein the storage unit further stores an expiration date of the payment channel, The payment channel selection unit is stored in the storage unit corresponding to the integrated payment channel identification information in the billing request when the reception date and time of the billing request exceeds the expiration date of the selected payment channel. The payer's payer terminal device, the payer's pay channel selected by the payer from the notified pay channels is received from the payer terminal device, and the pay channel balance processing unit Is characterized in that the payment channel selection unit deducts the charge amount in the charge request from the payment channel received from the payer terminal device.

The invention according to claim 7 is a settlement method executed by a settlement apparatus, wherein the settlement apparatus selects a plurality of payment channels associated with the payer's integrated payment channel identification information and the payment channel. Stores a condition and a receiving channel associated with the biller identification information for identifying the biller, biller attribute information indicating the attribute of the claimant associated with the claimant identification information, and a payment target And a storage unit that stores one or both of the payment object attribute information indicating the attribute of the payment object and the billing request reception unit is integrated. A billing request reception step for receiving a billing request in which payment channel identification information, biller identification information, payment object identification information, and billing amount are set; A selection unit that stores the claimant attribute information stored in the storage unit corresponding to the claimant identification information in the claim request and the storage corresponding to the payment object identification information in the claim request. One or both of the payment object attribute information stored in the section and the selection condition stored in the storage section corresponding to the integrated payment channel identification information in the billing request A payment channel selection step of selecting a payment channel, and a payment channel balance processing unit in which a payment channel balance processing unit deducts the charge amount in the billing request from the payment channel selected in the payment channel selection step; The billing channel balance processing unit uses the billing amount deducted in the payment channel balance processing step as the billing amount. Possess a receiving channel balance processing steps in response to the billing identification information in Est money to the receiving channel stored in the storage unit, and in the payment channel selection step, the result of the comparison, If it is determined that the selection condition is not satisfied, a part of the selection condition is satisfied among the payment channels stored in the storage unit corresponding to the integrated payment channel identification information in the billing request. When it is determined that there is a payment channel, the payment channel is notified to the payer's payer terminal device when all the payment channels are determined not to satisfy any of the selection conditions. Receiving the payment channel selected by the payer from among the payment channels from the payer terminal device; In the payment method, the billing amount in the billing request is withdrawn from the payment channel received from the payer terminal device .

According to the first and seventh aspects of the present invention, when a payer is charged for goods or services, it is possible to automatically pay the price from a payment channel for each use predetermined by the payer. Therefore, every time a payer purchases a product at a store or the like, the payer does not specify a payment channel by himself even if a request for payment is sent from the claimant terminal device of the store to request payment. It is possible to pay the price from a payment channel for use corresponding to the type of business of the store, the type of product, and the like. In addition, it is possible to restrict the service business entity or store of the payee, or restrict the products to be paid. Furthermore, since the payer only has to inform the biller of the integrated payment channel identification information, the payer can also make payment while keeping secret the account or credit card number actually used as the payment channel. Further, when the payment channel cannot be determined from the selection condition, the payment can be made from the payment channel selected by the payer.
According to the invention of claim 2, the payer divides one account into sub-accounts according to usages, and pays the bill automatically charged from the sub-accounts according to usages predetermined by the payer. Can do. Thereby, the payer can manage the balance of one account separately for each application.
According to the invention of claim 3, since the payment is paid from the payment channel only when the payer inputs and returns the approval information notified by the settlement apparatus to the payer terminal apparatus, it is possible to prevent unauthorized charges. it can.
According to the invention of claim 4, the payment channel can be selected based on the content of the message input by the claimant terminal device. As a result, for example, even if the request is made by an individual who pays with a change in price, the requester can make a payment from a payment channel according to the application by inputting a message at the time of the request.
According to the invention of claim 5 , when the balance is less than the billing amount, the payment can be made from another payment channel selected by the payer.
According to the invention of claim 6 , the payer can set a budget for each use, for example, every month, and can pay within the range of the budget.

It is a block diagram which shows the structure of the payment system by one Embodiment of this invention. It is a block diagram which shows the internal structure of the payment apparatus by the embodiment. It is a block diagram which shows the internal structure of the claimant terminal device by the same embodiment. It is a block diagram which shows the internal structure of the payer terminal device by the embodiment. It is a figure which shows the outline | summary of the transaction which the payment system by the embodiment performs. It is a figure which shows the claimant information and receiving channel balance information by the embodiment. It is a figure which shows the payer information and payment channel balance information by the embodiment. It is a figure which shows the payment object information by the embodiment. It is a sequence diagram of the payment system by the embodiment. It is a sequence diagram of the payment system by the embodiment. It is a figure which shows the example of a transition of the balance of the payment channel by the embodiment. It is a figure which shows the example of a transition of the balance of the payment channel by the embodiment.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing the configuration of the settlement system according to the first embodiment of the present invention, and shows only functional blocks related to the present embodiment. As shown in the figure, the payment system is configured by connecting a payment device 1, a biller terminal device 3, and a payer terminal device 5 via a network 9 such as the Internet. In the figure, only one biller terminal device 3 and one payer terminal device 5 are shown.

  FIG. 2 is a block diagram showing an internal configuration of the settlement apparatus 1 shown in FIG. 1, and only functional blocks related to the present embodiment are extracted and shown. The settlement apparatus 1 can be configured by one or a plurality of computer servers, for example. As shown in the figure, the payment apparatus 1 includes a communication unit 11, a storage unit 12, and a processing unit 13.

The communication unit 11 transmits and receives data via the network 9. The storage unit 12 includes a biller information storage unit 121, a payer information storage unit 122, a payment object information storage unit 123, a receiving channel balance storage unit 124, and a payment channel balance storage unit 125.
The biller information storage unit 121 stores biller information in which biller identification information for identifying a biller, a claimant's receiving channel, and biller attribute information indicating a requester's attributes are associated with each other. The attributes of the claimant include, for example, the biller name (for example, company name or store name), the biller's business type (for example, supermarket, restaurant, travel agency, clothing store, etc.), region (for example, company or The region where the store is located).
The payer information storage unit 122 stores payer information in which a plurality of payment channels of the payer, integrated payment channel identification information that links the plurality of payment channels, and selection conditions for each payment channel are associated with each other.
The payment object information storage unit 123 includes payment object identification information that identifies goods or services to be paid (hereinafter, the goods and services are collectively referred to as “payment objects”), and a payment indicating the attributes of the payment objects. The payment object information associated with the object attribute information is stored. The attributes of the payment object are, for example, the name of the payment object and the category of the payment object (for example, food, clothing, cleaning, etc.).
The receiving channel balance storage unit 124 stores receiving channel balance information indicating the balance of the receiving channel of each claimant.
The payment channel balance storage unit 125 stores payment channel balance information indicating the balance of each payer's payment channel.

The processing unit 13 includes a billing request reception unit 131, an approval information transmission unit 132, a payment channel selection unit 133, a payment channel balance processing unit 134, and a receiving channel balance processing unit 135.
The billing request receiving unit 131 receives a billing request in which biller identification information, integrated payment channel identification information, payment object identification information, billing amount, additional information, and the like are set from the biller terminal device 3. The additional information is information such as a message arbitrarily input by the claimant terminal device 3, for example.
The approval information transmitting unit 132 generates a specific code that is information for approval used to confirm whether the payer approves the payment, and transmits the specific code to the payer terminal device 5.

  The payment channel selection unit 133 acquires biller identification information, payment object identification information, and additional information from the billing request. The payment channel selection unit 133 stores the biller attribute information stored in the biller information storage unit 121 corresponding to the biller identification information and the payment target information storage unit 123 corresponding to the payment target identification information. And payment object attribute information. The payment channel selection unit 133 collates the biller attribute information, the payment object attribute information, and the additional information with the selection condition stored in the payer information storage unit 122 corresponding to the integrated payment channel identification information, Select a channel.

The payment channel balance processing unit 134 deducts the charge amount in the charge request from the payment channel selected by the payment channel selection unit 133.
The receiving channel balance processing unit 135 deposits the billing amount withdrawn by the payment channel balance processing unit 134 to the receiving channel stored in the receiving channel balance storage unit 124 corresponding to the biller identification information in the billing request.

  FIG. 3 is a block diagram showing an internal configuration of the claimant terminal device 3, and only functional blocks related to the present embodiment are extracted and shown. The claimant terminal device 3 is a computer device such as a personal computer, a smartphone, a tablet terminal, or a POS (Point Of Sale) terminal. As shown in the figure, the claimant terminal device 3 includes a communication unit 31, an input unit 32, a display unit 33, and a processing unit 34.

  The communication unit 31 transmits and receives data via the network 9. The input unit 32 is a keyboard, a mouse, a button, and the like, and receives information input by a user operation. The display unit 33 is a display such as an LCD (Liquid Crystal Display) or a touch panel. In addition, when the display unit 33 is a touch panel, the input unit 32 receives information input through the touch panel. The processing unit 34 instructs the communication unit 31 to transmit information input by the input unit 32 and transmits the information via the network 9, or outputs information received by the communication unit 31 via the network 9 to the display unit 33. To do.

  FIG. 4 is a block diagram showing an internal configuration of the payer terminal device 5, and only functional blocks related to the present embodiment are extracted and shown. The payer terminal device 5 is a computer device such as a smartphone or a tablet terminal. As shown in the figure, the payer terminal device 5 includes a communication unit 51, an input unit 52, a display unit 53, and a processing unit 54.

  The communication unit 51 transmits and receives data via the network 9. The input unit 52 is a key, a button, or the like, and receives information input by a user operation. The display unit 53 is a display such as an LCD or a touch panel. When the display unit 53 is a touch panel, the input unit 52 receives information input from the touch panel. The processing unit 54 instructs the communication unit 51 to transmit information input by the input unit 52 and transmits the information via the network 9, or outputs information received by the communication unit 51 via the network 9 to the display unit 53. To do.

FIG. 5 is a diagram showing an outline of transactions executed by the settlement system of the present embodiment.
The claimant has one or more receiving channels and the payer has multiple payment channels. The settlement apparatus 1 manages a plurality of payment channels of a payer in association with one integrated payment channel identification information, and stores selection conditions for each payment channel.
In this embodiment, a payer sub-account in which an account number of an account held by a payer (hereinafter referred to as a “payer main account”) is used as integrated payment channel identification information, and a payment channel is assigned from the payer main account. And

  The selection condition includes any one or more of various information included in the biller attribute information, various information included in the payment object identification information and payment object attribute information set in the payment object information, and additional information Can be used. For example, the payer generates a payer sub-account of SubID “XXA”, “XXB”, “XXX” in the payer main account of MainID “X”, and saves the travel in the payer sub-account of SubID “XXA” , And the clothing fee is assigned to the payer sub-account of SubID “XXB”. In this case, if the payment target is an air ticket or the claimant's business type is a travel agency, the payer sub-account of SubID “XXA” is selected, and if the payment target is clothing or cleaning, the SubID “ A selection condition is set to select a payer sub-account of “XXB” and stored in the settlement apparatus 1.

  When the biller sells the product or provides the service, the biller transmits a billing request to the settlement apparatus 1 using the biller terminal device 3 and charges the bill using the payer's integrated payment channel identification information as a billing destination. The claimant may be a company or a store, or an individual who has collected or replaced payments. When the settlement apparatus 1 receives the billing request, the biller attribute, the attribute to be paid, a message input by the biller (for example, text such as “travel price”, “present price for XX”), and the bill A payment channel with which the price is deducted is selected by comparing with the selection condition corresponding to the integrated payment channel identification information of the previous payer. The settlement apparatus 1 withdraws the price charged by the billing request from the selected payment channel.

  As shown in the figure, when the claimant possesses a plurality of receiving channels, the settlement apparatus 1 can manage the plurality of receiving channels in association with one integrated receiving channel identification information. Good. For example, an account number of a biller main account, which is an account held by the biller, may be integrated payment channel identification information, and a receiving channel may be a biller sub-account assigned from the biller main account. In the figure, the reception channel identification information of SubID “MMA”, “MMB”, and “MMX” is associated with the integrated reception channel identification information of MainID “M”. The settlement apparatus 1 transfers the price paid from the payment channel to the receiving channel designated by the claimant.

  The account manages the value that is paid as a consideration for goods and services from the payer to the claimant at the time of settlement. For example, the amount charged in a settlement card such as a bank account or a prepaid card is used. In addition to an account to be managed, it can be an account for managing points accumulated by the point system. The point system is a system that manages points that are given to payers according to purchases of goods or payment for services and can be exchanged for goods or privileges, or a system that manages points purchased by users. . For the payment of the payer's payment channel, for example, various payment channels such as a credit card, convenience store, affiliated store, point exchange, bank transfer (pay), communication carrier billing and the like can be used. Further, the plurality of billing channels of the biller associated with the integrated receiving channel identification information can be deposited and withdrawn from / to the bank account which is the payer's deposit / withdrawal channel.

  Next, various data used in the payment system will be described.

FIG. 6 is a diagram showing biller information stored in the biller information storage unit 121 of the settlement apparatus 1 and reception channel balance information stored in the reception channel balance storage unit 124.
As shown in the figure, the biller information includes the login ID, address information, biller attribute information, integrated receiving channel identification information (MainID), receiving channel of the claiming party who is a member of the settlement service provided by the settlement apparatus 1. Information and registered bank accounts are stored in association with each other. The login ID is used when logging into the payment system, and is used as biller identification information that uniquely identifies the biller. The address information is a mail address or a telephone number of the biller terminal device 3. The claimant attribute information includes a company code and member store / attribute information. As a company code for uniquely identifying a company, a TDB (Teikoku Data Bank) company code, My Number, or the like can be used. The member store / attribute information includes basic attribute information such as the biller name, contact information, region, address, and telephone number, the business type code that identifies the business type of the store, the member store ID, and the store code that identifies the store within the company. , Biller attribute specifying information such as a group code (for example, circle identification information), MCC (MarchantCategoryCode). The reception channel information is information in which reception channel identification information (SubID), usage, expiration date, permitted supplier code, and attribute information permitted for delivery are associated with each reception channel. The permitted business partner can be specified by, for example, a member store ID or an industry code such as MCC. Further, the attribute information that is permitted to pass indicates biller attribute information that permits notification to the payer.
The receiving channel balance information indicates the basic currency and balance associated with the receiving channel identification information. The basic currency may be set in the receiving channel information.

FIG. 7 is a diagram showing the payer information stored in the payer information storage unit 122 of the settlement apparatus 1 and the payment channel balance information stored in the payment channel balance storage unit 125.
As shown in the figure, the payer information stored in the payer information storage unit 122 is associated with the payer's login ID, address information, payer attribute information, integrated payment channel identification information (MainID), and payment channel information. Information. The login ID is used when logging in to the payment system and is used as information for uniquely identifying the payer. The address information is the mail address or telephone number of the payer terminal device 5. The payer attribute information indicates a payer name, an address, a telephone number, and the like.

  The payment channel information is information in which payment channel identification information (SubID), usage, expiration date, selection condition, attribute information permitted to be delivered, and priority are associated with each payment channel. Here, since the payment channel is a sub-account of the payer main account, SubID for specifying the payer sub-account is used as the payment channel identification information. The selection condition is indicated by any one or more of the biller identification information, various information included in the biller attribute information, payment object identification information, various information included in the payment object attribute information, and additional information. As the biller identification information, a company code, a member store ID, a company code or a combination of a member store ID and a store code, integrated reception channel identification information, or the like can be used. Further, the attribute information that is permitted to pass indicates biller attribute information that permits notification to the biller.

  The payment channel balance information indicates the basic currency and balance associated with the payment channel identification information. The basic currency may be set in the payment channel information. Here, since the account number of the payer main account is used for the integrated payment channel identification information, the balance of the payer main account associated with the integrated payment channel identification information is also included in the payment channel balance information. .

FIG. 8 is a diagram showing the payment object information stored in the payment object information storage unit 123 of the settlement apparatus 1.
As shown in the figure, the payment object information is information in which payment object identification information for uniquely identifying a payment object is associated with payment object attribute information indicating the name and category of the payment object.

  9 and 10 are sequence diagrams of the payment system. The processing unit 13 of the payment apparatus 1 transmits / receives data to / from the biller terminal device 3 and the payer terminal device 5 via the communication unit 11, and the processing unit 34 of the biller terminal device 3 performs payment via the communication unit 31. Data is transmitted / received to / from the apparatus 1, and the processing unit 54 of the payer terminal device 5 transmits / receives data to / from the settlement apparatus 1 via the communication unit 51. Further, biller information is registered in advance in the biller information storage unit 121, and reception channel balance information is registered in the reception channel balance storage unit 124. Further, payer information is registered in advance in the payer information storage unit 122, and payment channel balance information is registered in the payment channel balance storage unit 125.

  In FIG. 9, when the claimant attribute information is not registered in the claimant information, or when the claimant attribute information is changed, the processing unit 34 of the claimant terminal device 3 transmits the login ID of the claimant to the settlement device. 1 is accessed. After the access, the processing unit 34 of the biller terminal device 3 registers the biller attribute information in the biller information stored in the biller information storage unit 121 of the settlement device 1 corresponding to the login ID (step S105). .

  On the other hand, when the payment channel information or the selection condition is not registered in the payer information, or when the payment channel information or the selection condition is changed, the processing unit 54 of the payer terminal device 5 transmits the login ID of the payer. To access the settlement apparatus 1. After the access, the processing unit 54 of the payer terminal device 5 registers the payment channel information and the selection condition in the payer information stored in the payer information storage unit 122 of the payment device 1 corresponding to the login ID (step) S110). The total balance of the payer sub-accounts used as the payment channel is set so as not to exceed the total balance of the payer main account.

  When billing occurs, the biller accesses the settlement apparatus 1 from the biller terminal device 3, searches the payer information stored in the payer information storage unit 122 using the payer name as a key, and the payer The integrated payment channel identification information is acquired (step S115). Note that the integrated payment channel identification information may be directly input by the input unit 32 of the biller terminal device 3. Further, the biller inputs the bill amount, the payment object identification information, the receiving channel identification information, and the message through the input unit 32 of the biller terminal device 3 (step S120). For example, the payment object identification information is obtained by using a barcode reader or an IC (Integrated Circuit) tag reader as the input unit 32 included in the claimant terminal device 3 with a barcode printed on the product package or an IC attached to the product. It can also be a product code read from a tag or the like.

  When the biller inputs a billing request transmission instruction through the input unit 32, the processing unit 34, the biller identification information, the integrated payment channel identification information (for example, MainID “X”), the receiving channel identification information (for example, SubID “MMA”). ], The billing request in which the billing amount, the payment object identification information, and the additional information are set is transmitted to the settlement apparatus 1 (step S125). The biller identification information may be any of a login ID, a company code, a member store ID, a company code, or a combination of a member store ID and a store ID, and the integrated reception channel identification information may be used as the biller identification information. Further, the additional information indicates the input message. There is no need for additional information.

  The billing request receiving unit 131 of the settlement apparatus 1 receives the billing request transmitted from the biller terminal device 3. The billing request reception unit 131 specifies billing information stored in the billing information storage unit 121 based on billing identification information set in the billing request. The billing request receiving unit 131 reads the integrated receiving channel identification information and the billing party attribute information from the specified billing party information, and reads the attribute information permitted for delivery from the receiving channel information corresponding to the receiving channel identification information. Further, the billing request receiving unit 131 reads the payment target information specified by the payment target identification information set in the billing request from the payment target information storage unit 123. The billing request receiving unit 131 adds the read biller attribute information, payment object information, and attribute information permitted to be passed to the billing request, and receives integrated payment channel identification information (for example, MianID “X”) as the destination (To). The integrated reception channel identification information (for example, MainID “M”) is output to the payment channel selection unit 133 as a transmission source (From). Further, the billing request reception unit 131 outputs the integrated payment channel identification information to the approval information transmission unit 132 (step S130).

  The payment channel selection unit 133 receives a billing request from the approval information transmission unit 132 (step S135). The payment channel selection unit 133 identifies the payer information stored in the payer information storage unit 122 based on the integrated payment channel identification information set in the billing request, and reads the payer name and address information. The payment channel selection unit 133 transmits a billing request notification by e-mail or short message service (SMS), with the e-mail address or telephone number indicated by the address information as a destination. The billing request notification includes, for example, the payer name, the billing amount and additional information obtained from the billing request, the biller name in the biller attribute information, the biller attribute information indicated by the attribute information permitted to pass, and the payment target The name and category of the payment target set in the information are set. In addition, when the reception channel identification information is included in the attribute information permitted for delivery, or when the reception channel identification information notification permission is set in the billing request, the reception channel identification information is included in the billing request notification. (For example, SubID “MMA”) may be included and notified. After the notification, the payment channel selection unit 133 starts a response timer.

  On the other hand, the approval information transmitting unit 132 specifies the payer information stored in the payer information storage unit 122 based on the integrated payment channel identification information, and reads the address information. The approval information transmitting unit 132 generates a specific code and notifies the payer terminal device 5 by e-mail or SMS with the e-mail address or telephone number indicated by the address information as a destination (step S140).

The processing unit 54 of the payer terminal device 5 receives the billing request notification and displays it on the display unit 53 (step S145). The processing unit 54 receives the specific code and causes the display unit 53 to display the specific code (step S150).
If the payer does not respond to payment, the input unit 52 of the payer terminal device 5 inputs a message indicating that the request is not satisfied and a transmission instruction. The processing unit 54 transmits a payment disapproval notice in which the payer identification information (login ID or address information) is set to the settlement apparatus 1 (step S155: NO). When the payment channel selection unit 133 of the settlement apparatus 1 receives the payment permission notification or when the response timer started in step S135 expires, the payment channel selection unit 133 sends the integrated reception channel identification information (for example, MainID “M”) to the destination (To ), The billing request receiving unit 131 is notified of the billing request NG response using the integrated payment channel identification information (for example, MainID “X”) as the transmission source (From) (step S160). When receiving the charge request NG response, the charge request receiving unit 131 transmits a message notifying that the charge request is NG to the claimant terminal apparatus 3 (step S165). The processing unit 34 of the claimant terminal device 3 displays the received message on the display unit 33 (step S170).

  On the other hand, when the payer accepts payment, the payer terminal 5 of the payer terminal device 5 inputs a response to the billing request (step S155: OK), and further inputs the specific code received in step S150 (step S150). S175). When the payer inputs a request response transmission instruction through the input unit 52, the processing unit 54 transmits a billing request response in which identification information (login ID or address information) of the payer and a specific code are set to the settlement apparatus 1. (Step S180).

  The payment channel selection unit 133 of the settlement apparatus 1 receives the billing request response before the response timer expires, and the specific code set in the billing request response and the specific code transmitted by the approval information transmitting unit 132 in step S140 To determine if they match. In this way, unauthorized payment is prevented by allowing the payer to input the specific code automatically assigned by the settlement apparatus 1. When the approval information transmitting unit 132 determines that they match, the payment channel selection unit 133 specifies the payer information stored in the payer information storage unit 122 based on the payer identification information. The payment channel selection unit 133 selects the selection conditions for each payment channel information included in the specified payer information, the biller attribute information added to the billing request received in step S135, the payment object information, and the billing request The additional information is collated (step S185).

  If the payment channel selection unit 133 determines that there is one payment channel that completely satisfies the selection condition, the payment channel selection unit 133 determines the payment channel as a withdrawal target payment channel (step S190: OK).

  On the other hand, the payment channel selection unit 133 determines that there are two or more payment channels in which the selection conditions are completely satisfied, or there is no payment channel in which the selection conditions are completely satisfied, and a part of the selection conditions is satisfied. If it is determined that there are one or more paid channels (step S190: NG), the payment channel is set as a candidate payment channel for withdrawal. Alternatively, when the payment channel selection unit 133 determines that none of the selection conditions is completely satisfied, the payment channel selection unit 133 sets all payment channels as payment channels for withdrawal candidates.

  The payment channel selection unit 133 displays payment channel information corresponding to the payment channel of the withdrawal target candidate, generates screen data for selecting the withdrawal target payment channel from the payment channel information, and transmits the screen data to the payer terminal device 5 ( Step S195). When there are a plurality of payment channels, the payment channel selection unit 133 generates screen data so as to be displayed in an order corresponding to the priority order set in the payment channel information.

  Based on the received screen data, the processing unit 54 of the payer terminal device 5 causes the display unit 53 to display payment channel information corresponding to the withdrawal target candidate payment channel. When the payer inputs selection of the withdrawal target payment channel via the input unit 52, the processing unit 54 notifies the settlement apparatus 1 of information on the selected withdrawal target payment channel (step S200: YES).

  The payment channel selection unit 133 refers to the expiration date of the payment channel information corresponding to the withdrawal target payment channel determined in step S190 or the withdrawal target payment channel notified in step S200 and the balance of the payment channel balance information (step S205). . If the payment channel selection unit 133 determines that the balance is less than the billing amount in the billing request or that the date and time when the billing request is received exceeds the expiration date (step S205: NO), the processing from step S195 is performed again. repeat.

  If the payer cannot specify the withdrawal target payment channel or if the process is to be canceled, the payer inputs a transaction end instruction using the input unit 52 of the payer terminal device 5 (step S200: NO). The payment channel selection unit 133 of the settlement apparatus 1 is predetermined without receiving a response from the payer terminal device 5 when the transaction end is notified from the payer terminal device 5 or after transmitting screen data in step S195. If the time has elapsed, the processing from step S160 is executed (step S210).

  On the other hand, when the payment channel selection unit 133 determines that the balance is equal to or greater than the billing amount in the billing request, and the date and time when the billing request is received is within the expiration date (step S205: YES), the withdrawal target payment channel The balance provisional withdrawal process shown in FIG. 10 is performed on (for example, the payer sub-account of SubID “XXA”).

  In the balance temporary withdrawal process of FIG. 10, the payment channel selection unit 133 of the settlement apparatus 1 rewrites the balance of the payment channel balance information corresponding to the withdrawal target payment channel to the amount obtained by subtracting the amount charged, and this payment channel balance information. Is added with the same provisional withdrawal amount as the billing amount (step S305). If the currency of the billing amount is different from the base currency of the payment channel balance information corresponding to the withdrawal target payment channel, the billing amount is converted to the base currency set in the payment channel balance information. The payment channel balance processing unit 134 includes payment channel identification information (for example, SubID “XXA”) of the payment channel to be deducted, integrated reception channel identification information (for example, MainID “M”) set in the billing request, The balance addition instruction in which the amount is set is output to the receiving channel balance processing unit 135 (step S310). In addition, in the balance addition instruction, biller attribute information indicated by attribute information permitted to pass payment channel information may be set.

  The receiving channel balance processing unit 135 receives the receiving channel identification specified in the billing request from the receiving channel information associated with the integrated receiving channel identification information (for example, MainID “M”) set in the balance addition instruction. The receiving channel information is specified by the information (for example, SubID “MMA”). The receiving channel balance processing unit 135 adds the billing amount set in the balance adding instruction to the balance of the receiving channel balance information corresponding to the specified receiving channel information, and identifies the payment channel set in the balance adding instruction. Information and attribute information permitted for delivery are added as information about the payer (step S315). If the currency of the billing amount is different from the base currency set in the receiving channel balance information corresponding to the receiving channel to which the billing amount is to be added, the billing amount is converted to the base currency of the receiving channel and then added. To do. The billed amount after conversion includes a markup fee to be added at the time of exchange conversion. The TTS (Telegraphic Transfer Selling rate), TTB (Telegraphic Transfer Buying), and the fee used for exchange conversion are set in the storage unit 12 in a variable manner. The receiving channel balance processing unit 135 notifies the payment channel balance processing unit 134 of the balance addition confirmation (step S325) when the charged amount addition processing has been completed normally (step S320: OK).

  Upon receipt of the confirmation of addition, the payment channel balance processing unit 134 deletes the provisional withdrawal amount from the payment channel balance information corresponding to the withdrawal target payment channel (for example, the payer sub-account of SubID “XXA”), and performs subtraction processing. Is completed (step S330). The payment channel balance processing unit 134 notifies the reception channel balance processing unit 135 of the completion of the payment processing, and transmits a message to the effect that the subtraction processing from the withdrawal target payment channel is completed to the payer terminal device 5 (step S335). . The processing unit 54 of the payer terminal device 5 receives the message indicating that the subtraction processing from the withdrawal target payment channel is completed, and displays the message on the display unit 53 (step S340). The receiving channel balance processing unit 135 transmits a message indicating that the balance addition processing is completed to the biller terminal device 3 (step S345). The processing unit 34 of the claimant terminal device 3 receives a message indicating that the balance addition processing to the receiving channel of the SubID “MMX” associated with the integrated receiving channel identification information (for example, MainID “M”) has been completed. Is displayed on the display unit 33 (step S350).

  When the balance addition process in step S315 is NG (step S320), the receiving channel balance processing unit 135 notifies the payment channel balance processing unit 134 of the balance addition process NG. Receiving channel balance processing section 135, upon receiving balance addition processing NG, repeats the processing from step S310. When the balance addition process NG occurs more than a predetermined number of times, the payment channel balance processing unit 134 has added to the payment channel balance information corresponding to the withdrawal target payment channel (for example, the payer sub-account of SubID “XXA”). The provisional withdrawal amount is deleted, and the balance is updated to the amount obtained by adding the provisional withdrawal amount (step S355). The payment channel balance processing unit 134 transmits a message indicating that the subtraction is NG to the biller terminal device 3 and the payer terminal device 5 (step S360). The processing unit 34 of the biller terminal device 3 displays the received message on the display unit 33 (step S365), and the processing unit 54 of the payer terminal device 5 displays the received message on the display unit 53 (step S370). ).

  In step S190, if the payment channel selection unit 133 determines that none of the selection conditions is completely satisfied, the payment channel selection unit 133 may determine that the transaction has ended and execute the processing from step S160. Moreover, in step S190, the payment channel selection part 133 may determine the payment channel with the highest priority as a payment channel to be withdrawn when there are a plurality of payment channels whose selection conditions are completely satisfied.

  Further, the payer may access the settlement apparatus 1 from the payer terminal device 5 after the payer terminal device 5 receives the notification in step S145 and request the suspension of the response. When the payment channel selection unit 133 of the payer terminal device 5 receives the response hold request, the payment channel selection unit 133 extends the expiration time of the response timer by a predetermined time.

  Further, at the time of adding the balance in step S315, the receiving channel balance processing unit 135 of the settlement apparatus 1 may notify the claimant terminal apparatus 3 of the receiving channel to be added to the balance. In response to this notification, the invoicer may access the settlement apparatus 1 from the invoicer terminal device 3 and instruct the change of the receiving channel to which the balance is added or the divisional addition to another receiving channel. The receiving channel balance processing unit 135 of the settlement apparatus 1 adds the billing amount to the changed receiving channel balance. Alternatively, the receiving channel balance processing unit 135 adds the amount instructed by the invoicer terminal device 3 to the balance of another receiving channel instructed to be divided and added to the balance of the receiving channel to which the balance is to be added. Add the remaining charges.

  In addition, the billing request notification to the payer terminal device 5 and the notification of the specific code in steps S135 and S140 may be performed by other than email or SMS. For example, a Push notification function by a smartphone application installed in the payer terminal device 5 can be used. In this case, the payer performs registration in the settlement apparatus 1 in advance in the settlement service of the present embodiment.

  FIG. 11 and FIG. 12 are diagrams showing transition examples of balances of payment channels. Here, a case where the payer main account is an account for managing the balance of the prepaid card will be described. The following (a) to (e) are shown in FIG. 11, and (f) to (k) are shown in FIG.

  (A) The payer signs a prepaid card with a deposit limit of “50,000 yen”. The payment channel balance processing unit 134 of the settlement apparatus 1 sets the account number of the payer main account that manages the value of the prepaid card in the integrated payment channel identification information of the payer information, and sets “0 yen” as the balance.

  (B) The payer accesses the settlement apparatus 1 from the payer terminal device 5 and charges (deposits) “30,000 yen” to the prepaid card. The payment channel balance processing unit 134 of the settlement apparatus 1 sets “30,000 yen” as the balance of the payer main account. If no sub-account is set, the balance of the payer main account may not be used.

  (C) The payer accesses the payment apparatus 1 from the payer terminal device 5 and sets a payer sub-account. For example, “usage frame A” of SubID “XXA” is set as a payer sub-account, “20,000 yen” is assigned out of the balance “30,000 yen” of the payer main account, and an expiration date is designated. The payment channel balance processing unit 134 of the settlement apparatus 1 adds the payment channel information in which the SubID “XXA”, the balance “20,000 yen”, and the designated expiration date are associated with the integrated payment channel identification information, The balance of the payer main account is updated to “10,000 yen”. Further, the payer accesses the payment apparatus 1 from the payer terminal device 5 and sets the selection condition of “usage frame A” in the payment channel information.

  (D) Assume that a billing amount “12,000 yen” is charged by a billing request from the payer terminal device 5 and the payment channel selection unit 133 of the settlement device 1 selects “usage frame A”. The payment channel balance processing unit 134 updates the balance of “usage frame A” to “8,000 yen”.

  (E) The payer accesses the payment apparatus 1 from the payer terminal device 5, sets a new payer sub-account “usage frame B”, and pays the entire balance of the payer main account “10,000 yen”. Assign. The payment channel balance processing unit 134 of the settlement apparatus 1 adds the payment channel information in which the SubID “XXB” of the “usage frame B” and the balance “10,000 yen” are set in association with the integrated payment channel identification information. The balance of the main account is updated to “0 yen”. The balance of “usage frame A” remains “8,000 yen”. Further, the payer accesses the settlement apparatus 1 from the payer terminal device 5 and sets the selection condition of “usage frame B” in the payment channel information.

  (F) Assume that a billing amount “12,000 yen” is charged by a billing request from the biller terminal device 3 and the payment channel selection unit 133 of the settlement device 1 selects “usage frame B”. However, the “usage frame B” has a shortage of balance, and the “payment frame A”, which is another payment channel, also has a shortage of balance.

  (G) The payer accesses the payment apparatus 1 from the payer terminal device 5 and charges “4,000 yen” to the “usage frame A”. The payment channel balance processing unit 134 of the settlement apparatus 1 rewrites the balance of “usage frame A” to “12,000 yen”. Note that the balance of the payer main account remains “0 yen” and the balance of “usage frame B” remains “10,000 yen”.

  (H) When the payment channel balance processing unit 134 of the settlement apparatus 1 detects that the expiration date of the “usage frame A” has been exceeded, the payment channel balance processing unit 134 cancels the setting of the “usage frame A” and transfers the balance to the payer main account. return. Thereby, the payment channel balance processing unit 134 of the settlement apparatus 1 deletes the payment channel information of “usage frame A” and rewrites the balance of the payer main account to “12,000 yen”.

  (I) After (g), the payer accesses the settlement apparatus 1 from the payer terminal device 5 and sets a transfer of “6,000 yen” from “usage frame A” to “usage frame B”. The payment channel balance processing unit 134 of the settlement apparatus 1 rewrites the balance of “usage frame A” to “6,000 yen” and the balance of “usage frame B” to “16,000 yen”. The balance of the payer main account remains “0 yen”.

  (J) After (i), a billing amount “12,000 yen” is charged by a billing request from the biller terminal device 3, and the payment channel selection unit 133 of the settlement device 1 selects “usage frame B”. To do. The payment channel balance processing unit 134 updates the balance of “usage frame B” to “4,000 yen”.

(K) After (g), the payer accesses the payment apparatus 1 from the payer terminal device 5 and charges “10,000 yen” to the “usage frame B”. Alternatively, after the payer accesses the payment apparatus 1 from the payer terminal device 5 and charges “10,000 yen” to the payer main account, the transfer of “10,000 yen” is set to “usage frame B”. To do. The payment channel balance processing unit 134 of the settlement apparatus 1 rewrites the balance of “usage frame B” to “26,000 yen”. Note that the balance of the payer main account remains “0 yen” and the balance of “usage frame A” remains “6,000 yen”.
In addition, for the charge, auto-charge by specifying the due date, such as charging a fixed amount every month from the deposit channel, can be used.

According to the embodiment described above, the payer can manage one account for each use. For example, when the payer determines a monthly budget for each usage, the payer sets sub accounts and selection conditions according to the usage, and sets the amount and time limit of the sub accounts in the settlement apparatus 1 according to the monthly budget. As a result, the payer does not need to designate a sub-account to be withdrawn each time payment is made, so that the trouble of account management is reduced and the payment is made monthly within the budget determined for each use. Can do.
Further, by setting selection conditions, it is possible to limit the company, store, purchased product, and the like of the purchase destination.
In addition, every time a billing occurs, request remittance for billing by the claimant is facilitated, and transactions according to actual usage scenes become possible.
Further, since the claimant can use a personal computer, a smart phone or the like as the claimant terminal device 3, it is easy to introduce a payment service provided by the payment device 1 even in a small-scale store or the like, and it is also used by individuals. Is possible.

  It is also possible to access the settlement apparatus 1 from the payer terminal device 5 and set the lock state in the payment channel information or cancel the lock state set in the payment channel information. The payment channel selection unit 133 of the settlement apparatus 1 does not select a payment channel for which a lock state is set as a withdrawal target payment channel or a withdrawal target candidate payment channel. As a result, it is possible to temporarily disable the payment channel for security measures.

  In the above description, the case where the claimant possesses a reception channel associated with the integrated reception channel identification information has been described. However, the claimant possesses only an independent reception channel that is not associated with the integral reception channel identification information. It can also be applied when not. In this case, the payment system uses the reception channel identification information instead of the integrated reception channel identification information, and performs the same processing as described above.

  In the above description, the integrated payment channel identification information is the account number of the payer main account. However, the integrated payment channel identification information may not be the account number, but may be a simple management number that integrates the payment channels. In this case, the payment channel can be an independent account, a credit card, or the like. This eliminates the need for the payer to notify the biller of the actual payment channel account number, credit card number, and the like, so that payment can be made while realizing high secrecy.

  When the payment channel is a bank account managed by a bank account management server connected to the payment apparatus 1, the payment channel balance processing unit 134 of the payment apparatus 1 sends a payment to the bank server that manages the bank account. Instruct the transfer. Specifically, the payment channel balance processing unit 134 transfers the bank account number indicated by the payment channel identification information of the payment channel to be withdrawn and the bank account number indicated by the billing channel identification information of the claimant to the transfer destination. As instructed to transfer the billing amount. Further, when the payment channel is a credit card, the payment channel balance processing unit 134 of the settlement apparatus 1 is registered with the credit card company's card management server as the payment channel identification information of the withdrawal target payment channel. The number, biller identification information, and billing amount are notified. At this time, in the biller identification information, the member store code of the credit card service read from the biller attribute information is set.

  Note that the settlement apparatus 1, the biller terminal apparatus 3, and the payer terminal apparatus 5 described above have a computer system therein. The operation processes of the processing unit 13 of the settlement apparatus 1, the processing unit 34 of the biller terminal device 3, and the processing unit 54 of the payer terminal device 5 are stored in a computer-readable recording medium in the form of a program. The computer system reads out and executes this program, and the above processing is performed. The computer system here includes a CPU, various memories, an OS, and hardware such as peripheral devices.

Further, the “computer system” includes a homepage providing environment (or display environment) if a WWW system is used.
The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system. Furthermore, the “computer-readable recording medium” dynamically holds a program for a short time like a communication line when transmitting a program via a network such as the Internet or a communication line such as a telephone line. In this case, a volatile memory in a computer system serving as a server or a client in that case, and a program that holds a program for a certain period of time are also included. The program may be a program for realizing a part of the functions described above, and may be a program capable of realizing the functions described above in combination with a program already recorded in a computer system.

DESCRIPTION OF SYMBOLS 1 Payment apparatus 3 Claimer terminal device 5 Payer terminal device 11, 31, 51 Communication part 12 Storage part 13, 34, 54 Processing part 32, 52 Input part 33, 53 Display part 121 Claimer information storage part 122 Payer information Storage unit 123 Payment object information storage unit 124 Receiving channel balance storage unit 125 Payment channel balance storage unit 131 Request request reception unit 132 Approval information transmission unit 133 Payment channel selection unit 134 Payment channel balance processing unit 135 Receiving channel balance processing unit

Claims (7)

A plurality of payment channels associated with the payer's integrated payment channel identification information, a selection condition for the payment channel, and a receiving channel associated with the biller identification information for identifying the biller are stored. One of the claimant attribute information indicating the attribute of the claimant and the payment object attribute information indicating the payment object attribute and associated with the payment object identification information specifying the payment object or A storage unit for storing both;
A billing request receiving unit for receiving a billing request in which integrated payment channel identification information, biller identification information, payment object identification information, and billing amount are set;
The claimant attribute information stored in the storage unit corresponding to the claimant identification information in the claim request, and stored in the storage unit corresponding to the payment object identification information in the claim request. One or both of the payment object attribute information and the selection condition stored in the storage unit corresponding to the integrated payment channel identification information in the billing request are selected to select the payment channel A payment channel selector,
A payment channel balance processing unit that deducts the billed amount in the billing request from the payment channel selected by the payment channel selection unit;
A receiving channel balance processing unit for depositing the charged amount withdrawn by the payment channel balance processing unit to the receiving channel stored in the storage unit in correspondence with the claimant identification information in the billing request;
Equipped with a,
If the payment channel selection unit determines that the selection condition is not satisfied as a result of the verification, the payment channel selection unit stores the payment channel stored in the storage unit corresponding to the integrated payment channel identification information in the billing request. Of these, if it is determined that there is a payment channel satisfying a part of the selection condition, the payment channel is paid. If all the payment channels are determined not to satisfy any of the selection conditions, the payment channel is paid. The payment channel selected by the payer from the notified payment channels is received from the payer terminal device,
The payment channel balance processing unit deducts the billing amount in the billing request from the payment channel received by the payment channel selection unit from the payer terminal device;
A settlement apparatus characterized by that. The integrated payment channel identification information identifies the payer's account;
The payment channel is a sub-account that divides the payer's account;
The settlement apparatus according to claim 1. Further comprising an approval information transmitter for generating approval information and transmitting it to a payer terminal device of a payer specified by the integrated payment channel identification information in the billing request;
The payment channel balance processing unit, when receiving the approval information from the payer terminal device, withdraws the billed amount from the payment channel selected by the payment channel selection unit,
The settlement apparatus according to claim 1 or 2, characterized in that The billing request further includes additional information entered by the claimant;
The payment channel selection unit further collates the additional information in the billing request with the selection condition stored in the storage unit corresponding to the integrated payment channel identification information in the billing request. Select a channel,
The settlement apparatus according to any one of claims 1 to 3, wherein: When the balance of the selected payment channel is less than the billing amount, the payment channel selection unit selects the payment channel stored in the storage unit in correspondence with the integrated payment channel identification information in the billing request. Notifying the payer's payer terminal device, receiving from the payer terminal device the payment channel selected by the payer from the notified payment channels;
The payment channel balance processing unit deducts the billing amount in the billing request from the payment channel received by the payment channel selection unit from the payer terminal device;
The settlement apparatus according to any one of claims 1 to 4 , wherein: The storage unit further stores an expiration date of the payment channel;
The payment channel selection unit stores, in the storage unit, corresponding to the integrated payment channel identification information in the billing request when the reception date and time of the billing request exceeds the expiration date of the selected payment channel. The payer's payer terminal device, the payer terminal device receiving the payment channel selected by the payer from the notified pay channel,
The payment channel balance processing unit deducts the billing amount in the billing request from the payment channel received by the payment channel selection unit from the payer terminal device;
The settlement apparatus according to any one of claims 1 to 5 , wherein: A payment method executed by a payment apparatus,
The settlement device
A plurality of payment channels associated with the payer's integrated payment channel identification information, a selection condition for the payment channel, and a receiving channel associated with the biller identification information for identifying the biller are stored. One of the claimant attribute information indicating the attribute of the claimant and the payment object attribute information indicating the payment object attribute and associated with the payment object identification information specifying the payment object or It has a storage unit that stores both,
In the payment apparatus,
A billing request receiving unit for receiving a billing request in which the integrated payment channel identification information, biller identification information, payment object identification information, and billing amount are set;
A payment channel selection unit corresponding to the claimant attribute information stored in the storage unit corresponding to the claimant identification information in the billing request, and corresponding to the payment object identification information in the billing request; One or both of the payment object attribute information stored in the storage unit and the selection condition stored in the storage unit corresponding to the integrated payment channel identification information in the billing request are collated. A payment channel selection step of selecting the payment channel;
A payment channel balance processing step in which a payment channel balance processing unit deducts the charge amount in the billing request from the payment channel selected in the payment channel selection step;
A receipt channel balance processing unit deposits the bill amount withdrawn in the payment channel balance processing step into the receipt channel stored in the storage unit corresponding to the claimant identification information in the billing request. A channel balance processing step;
I have a,
In the payment channel selection step, when it is determined that the selection condition is not satisfied as a result of the verification, the payment channel stored in the storage unit corresponding to the integrated payment channel identification information in the billing request If the payment channel is determined to satisfy a part of the selection conditions, the payment channel is selected.If all the payment channels are determined not to satisfy any of the selection conditions, the payment channel is selected. Notifying the payer's payer terminal device, receiving from the payer terminal device the payment channel selected by the payer from the notified payment channels;
In the payment channel balance processing step, the billing amount in the billing request is deducted from the payment channel received from the payer terminal device;
A payment method characterized by the above.

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