JP6582325B2 - Payment device - Google Patents

Description

  The present invention relates to a settlement apparatus.

  In online transactions such as online shopping, payments are also made online. For example, Patent Document 1 discloses a technology related to a service that performs payment between a transaction operator and a transaction user using a payment processing apparatus.

JP 2010-044538 A

  By the way, the importance of asset building such as savings is known for households. However, while it is easy to pay for shopping, it is often difficult to systematically form assets.

  The present invention has been made in view of such a background, and an object of the present invention is to provide a settlement apparatus capable of supporting the balance between user payment and asset formation.

  A main invention of the present invention for solving the above problems is a settlement apparatus for settlement of a transaction amount related to a commercial transaction, wherein a payer related to the commercial transaction performs a process of purchasing a financial product; A settlement processing unit that performs a process of charging the user for the total purchase price of the financial product and the transaction price.

  Other problems and solutions to be disclosed by the present application will be made clear by the embodiments of the invention and the drawings.

  According to the present invention, it is possible to assist in balancing user payment and asset formation.

It is a figure which shows the example of whole structure of the payment system 1 containing the payment apparatus 10 which concerns on this embodiment. It is a figure which shows the hardware structural example of the payment apparatus 10 which concerns on this embodiment. It is a figure which shows the software structural example of the payment apparatus 10 which concerns on this embodiment. It is a figure which shows the structural example of the setting database. 3 is a flowchart showing a flow of processing executed by the settlement apparatus 10. FIG. It is a figure which shows an example of the screen 300 for confirming whether payment of the amount for processing is performed.

  A settlement apparatus 10 according to an embodiment of the present invention will be described. The settlement apparatus 10 according to the present embodiment accepts a request from a server that conducts commercial transactions such as online shopping, and provides a settlement agency service that performs processing related to settlement related to the commercial transaction.

  The settlement apparatus 10 according to the present embodiment automatically performs purchase processing for purchasing a financial product and performs settlement of the transaction amount and the purchase amount of the financial product when performing transaction amount settlement processing related to the transaction. In this embodiment, a financial product is an item that increases some user assets such as cash deposits, notes receivable, stocks, corporate bonds, government bonds, various securities, investment in funds, and claims related to derivative transactions. . The financial product includes, for example, points, gift certificates, virtual currency, etc. that are not sold by financial institutions.

  FIG. 1 is a diagram illustrating an overall configuration example of a payment system 1 including a payment apparatus 10 according to the present embodiment. Payment device 10 is connected to user terminal 20 and transaction device 30 via network 40 so as to be communicable. The network 40 is, for example, the Internet, and is constructed by Ethernet (registered trademark), an optical communication line, a public telephone line network, a dedicated telephone line network, a wireless communication path, or the like. The payment apparatus 10 is also connected to the financial server 40 so as to be communicable. The settlement apparatus 10 and the financial server 40 may be connected via a dedicated line or may be connected via the network 40.

  Transaction device 30 is a computer that provides services related to commercial transactions such as online shopping. In the present embodiment, an online shopping service is assumed, but the service provided by the transaction device 30 may be any one that performs various types of commercial transactions that pay a consideration for the provision of goods or services. The transaction device 30 requests the settlement device 10 to settle the sales amount at the time of transaction.

  The user terminal 20 is a computer operated by an online shopping user (transaction user). The user terminal 20 is, for example, a personal computer, a smartphone, a tablet computer, or the like. The user operates the user terminal 20 to access the transaction apparatus 30 and browses product information or requests purchase of a product.

  The financial server 40 is a computer that sells financial products. The financial server 40 performs various transactions related to stocks, corporate bonds, government bonds, financial transactions, and the like. The financial server 40 is operated by a financial institution such as a bank or a securities company. The financial server 40 may be operated by a general company that issues points.

  The settlement apparatus 10 is a computer that performs a settlement process between a transaction user and a transaction business operator (operator of the transaction apparatus 30). The settlement apparatus 10 performs a process of depositing a transaction amount from a financial institution designated by a transaction user, and subtracts a settlement agency fee including a handling fee of the financial institution from the transaction amount and transfers the transaction amount to a bank account of the transaction operator. Process. The payment process uses a well-known method related to an online shopping service and the like, and detailed description thereof is omitted. In the settlement process, the settlement apparatus 10 according to the present embodiment accesses the financial server 40 to perform purchase processing for the financial product, and performs settlement processing by adding the purchase amount of the financial product to the transaction amount.

  FIG. 2 is a diagram illustrating a hardware configuration example of the settlement apparatus 10 according to the present embodiment. The settlement apparatus 10 includes a CPU 101, a memory 102, a storage device 103, a communication interface 104, an input device 105, and an output device 106. The storage device 103 stores various data and programs, such as a hard disk drive, a solid state drive, and a flash memory. The communication interface 104 is an interface for connecting to the communication network 30. For example, an adapter for connecting to Ethernet (registered trademark), a modem for connecting to a public telephone line network, and a wireless communication device for performing wireless communication A USB (Universal Serial Bus) connector for serial communication, an RS232C connector, or the like. The input device 105 is, for example, a keyboard, a mouse, a touch panel, a button, or a microphone that inputs data. The output device 106 is, for example, a display, a printer, or a speaker that outputs data. The settlement apparatus 10 can omit the input device 105 and the output device 106.

  FIG. 3 is a diagram illustrating a software configuration example of the settlement apparatus 10 according to the present embodiment. The settlement apparatus 10 includes a settlement request reception unit 111, a settlement amount approval unit 112, a financial product purchase processing unit 113, a settlement processing unit 114, a settlement result transmission unit 115, and a setting database 131.

  Note that the payment request receiving unit 111, the payment amount approval unit 112, the financial product purchase processing unit 113, the payment processing unit 114, and the payment result transmission unit 115 are programs stored in the storage device 103 by the CPU 101 included in the payment device 10. The setting database 131 is realized as a part of the storage area provided by the memory 102 and the storage device 103.

  The settlement request receiving unit 111 receives a request (hereinafter, referred to as “settlement request”) for requesting a substitution for settlement related to the transaction in the transaction apparatus 30. The settlement request includes transaction business entity information that identifies a business entity that is the subject of charging, transaction user information that identifies a transaction user who performs payment, and a settlement amount. The settlement amount may be the same as the transaction amount, or the transaction amount may differ from the transaction amount when the business operator applies points, etc. to charge an amount lower than the transaction amount. .

  The setting database 131 stores information (hereinafter referred to as “setting information”) for determining the amount of financial product to be purchased at the time of settlement (hereinafter referred to as “financial amount”). FIG. 4 is a diagram illustrating a configuration example of the setting database 131.

  The setting database 131 stores a default value 1311 that is default setting information and a user setting value 1312 that is setting information stored for each user. The default value 1311 includes a determination method and a set value. The determination method indicates a means for determining the financial amount. In the present embodiment, the determination method is either “ratio” indicating that the monetary amount is determined based on the proportion of the settlement amount, or “amount” that is a constant amount regardless of the settlement amount. . The set value is information for determining the financial amount according to the determination method. When the determination method is “ratio”, the ratio is registered as a set value. When the determination method is “amount”, the amount is registered as a set value.

  The user setting value 1312 stores a determination method and a setting value in association with transaction user information (user ID).

  The method of determining the financial amount is not limited to these, and may be, for example, a ratio with respect to the transaction amount or a ratio with respect to the accumulated amount of the settlement amount for a predetermined period (for example, one month or one year). It may be an amount that increases step by step according to the transaction amount or the settlement amount, or it may accept an input of the amount every time from the user, and the determination method and value are set according to these methods May be.

  The settlement amount approval unit 112 determines a financial amount based on the setting information, and an amount corresponding to an amount obtained by adding the financial amount to the settlement amount included in the settlement request (hereinafter referred to as “processing amount”). Confirm with the user whether payment is allowed. The settlement amount approval unit 112 can determine the financial amount by adding the amount of the financial product and the fee for purchasing the financial product. The settlement amount approval unit 112 calculates the purchase fee for the financial product by adding the fee to be paid to the seller of the financial product and the profit of this settlement agency service. The settlement amount approval unit 112 may accept correction of the financial amount from the user when confirming the processing target amount. In this case, the settlement amount approval unit 112 calculates a fee to be paid to the seller of the financial product and a profit amount of the settlement service according to the corrected financial amount, and subtracts the fee and the profit amount from the financial amount. Thus, the financial amount of the financial product to be purchased can be calculated.

  The financial product purchase processing unit 113 purchases the financial product for the amount obtained by subtracting the fee from the financial amount. For example, the financial product purchase processing unit 113 accesses the financial server 50 to purchase a financial product. The purchase processing related to financial products includes, for example, deposit processing at banks, receipt and issue processing of bills, purchase processing of stocks and bonds, government bonds, securities, transaction processing related to derivative transactions, issuance processing of points, gift certificates It is assumed that well-known methods such as purchase processing and virtual currency issuance processing are used, and description thereof is omitted here. Note that the financial product purchase processing unit 113 may purchase a financial product for the entire financial amount, add a fee to the financial product, and charge the transaction user.

  The settlement processing unit 114 performs a settlement process for the processing target amount. A known method can be used for the settlement process. The settlement processing unit 114 pays an amount obtained by subtracting the fee of the financial institution from the settlement amount to the account of the business operator, and pays the financial amount to the account of the operator of the settlement agency service. The settlement process can be performed by instructing (not shown).

  The settlement result transmission unit 115 transmits the result of the settlement process to the transaction apparatus 30. The settlement result transmission unit 115 may also transmit the settlement process result to the user terminal 20.

  FIG. 5 is a flowchart showing the flow of processing executed by the settlement apparatus 10.

  The settlement request receiving unit 111 receives a settlement request from the transaction apparatus 30 (S211). In the present embodiment, in the settlement request, the transaction operator information that identifies the transaction operator that is the subject of billing, the transaction user information that identifies the transaction user who makes the payment, the product or service that is the subject of the transaction Name (product name), transaction date and time, and settlement amount. The settlement amount approval unit 112 reads setting information (user setting value 1312) corresponding to the user ID set in the settlement request from the setting database 131 (S212). When the setting information corresponding to the user ID set in the payment request is not registered in the setting database 131 (or when the user ID is not set in the payment request), the payment amount approval unit 112 (S213: NO), default setting information (default value 1311) is read from the setting database 131 (S214).

  The settlement amount approval unit 112 determines the financial amount based on the setting information (S215). When the payment method of the setting information is “ratio”, the payment amount approval unit 112 determines the financial amount by adding a fee to the amount obtained by multiplying the payment amount by the setting value of the setting information. For example, the determination method is “ratio”, the set value is “10%”, the settlement amount is “100,000 yen”, the purchase fee of the financial product is “2%”, and the settlement agency service When the profit rate is “1%”, the settlement amount approval unit 112 can calculate the financial amount as 100,000 yen × 10% × (100% + 2% + 1%) = 10,000 yen. Further, when the payment method of the setting information is “amount”, the payment amount approval unit 112 determines the financial amount by subtracting the fee from the setting value of the setting information. For example, the setting information determination method is “amount”, the setting value is “1000 yen”, the purchase fee of the financial product is “2%”, and the profit margin of this settlement agency service is “1%” In some cases, the settlement amount approval unit 112 can calculate the financial amount as 1000 yen / (100% + 2% + 1%) = 971 yen (rounded up after the decimal point).

  The settlement amount approval unit 112 calculates the processing target amount by adding the determined financial amount to the settlement amount set in the settlement request (S216), and determines whether or not to pay the processing amount. (S217). The settlement amount approval unit 112 may confirm the payment to the user by indicating the settlement amount, the financial amount, and the fee. The settlement amount approval unit 112 transmits, for example, information for displaying a screen 300 as shown in FIG. 6 (hereinafter referred to as “screen information”) to the user terminal 20. The screen information is described in, for example, HTML (HyperText Markup Language). In this case, transaction apparatus 30 returns a response to HTTP (HyperText Transfer Protocol) from user terminal 20 to redirect to payment apparatus 10, and user terminal 20 accesses payment apparatus 10 and receives screen information. The screen 300 can be displayed based on the received screen information.

  On the screen 300, for example, the business operator information 301, the product name 302, and the transaction date and time 303 are displayed, as well as the settlement amount 304 and the financial amount (financial product purchase amount 305 and fee 306). The amount (that is, the processing amount 307) is displayed. When the saving amount change button 308 is pressed, the user terminal 20 permits correction of the financial product purchase amount 305. When the financial product purchase amount 305 is corrected, the user terminal 20 may transmit the financial product purchase amount 305 to the payment apparatus 10 so that the payment amount approval unit 112 of the payment apparatus 10 recalculates the fee. The user terminal 20 may recalculate the fee by including a fee rate or the like in the screen information. When the confirmation button 309 is pressed, the user terminal 20 assumes that the user has permitted the payment of the processing target amount, and realizes a message (for example, an HTTP request) indicating that the payment of the processing target amount has been confirmed. To the transaction device 30. When the financial product purchase amount 305 is corrected, the user terminal 20 may transmit the corrected financial product purchase amount 305 and the payment amount 304 to the payment apparatus 10 or charge the fee to the user. When the terminal 20 recalculates, the corrected financial product purchase amount 305, the settlement amount 304, and the recalculated fee may be transmitted to the settlement apparatus 10.

  Returning to FIG. 5, when the payment amount approving unit 112 receives a message indicating that the user has permitted payment from the user terminal 20 (S218: YES), the financial amount is changed in the user terminal 20 (the financial product on the screen 300). If the purchase amount 305 has been corrected (S219: YES), the processing target amount is corrected according to the corrected financial product purchase amount (S220). That is, the settlement amount approval unit 112 adds the corrected financial amount (the sum of the financial product purchase amount 305 and the fee recalculated in accordance with the financial product purchase amount 305) to the settlement amount, Amount of money.

  The financial product purchase processing unit 113 performs financial product purchase processing for a financial product purchase amount of 305 (S221). It should be noted that the description relating to the purchase of financial products is omitted here because a known method is used. The settlement processing unit 114 performs processing so that the processing target amount is paid from the account of the transaction user (S222). For example, the settlement processing unit 114 pays an amount obtained by subtracting the fee of the financial institution from the settlement amount to the account of the business operator and pays the financial amount to the account of the operator of the settlement agency service. Payment processing can be performed by instructing (not shown). Further, the settlement processing unit 114 may perform processing so that the purchase fee of the financial product is paid from the account of the operator of the settlement service to the account of the seller of the financial product.

  The settlement result transmitting unit 115 notifies the transaction apparatus 30 and the user terminal 20 of the result of the above settlement processing (S223). When the payment of the processing target amount is not approved (S218: NO), the settlement result transmitting unit 115 transmits a message to that effect to the user terminal 20 and the transaction apparatus 30. When the payment is approved (S218: YES), the settlement result transmission unit 115 transmits the settlement amount and the deposit amount to the business operator (the amount obtained by subtracting the fee from the settlement amount) to the transaction apparatus 30, The amount paid by the transaction user (the amount to be processed), the purchase amount of the financial product, the fee, etc. are transmitted to the user terminal 20. Note that the settlement result transmission unit 115 may transmit information including the name and interest rate of the purchased financial product in the result.

  As described above, according to the settlement apparatus 10 of the present embodiment, the user can purchase financial products simultaneously with settlement of transactions such as shopping. Thereby, it becomes possible to increase a user's financial assets and can support a user's asset formation. In general, when a user spends for shopping or the like, the psychological hurdle for money outflows is lowered, so that the orientation to increase financial assets may be higher than in the case of asset formation such as savings. Be expected. As a result, sales of financial products are also promoted.

  Further, according to the settlement apparatus 10 of the present embodiment, it is possible to fill the commission related to settlement with the sales commission of the financial product as a source. Therefore, the settlement processing unit 114 of the settlement apparatus 10 can reduce the amount of commission subtracted from the settlement amount in the settlement process. Accordingly, the profit of the business operator is improved.

  Although the present embodiment has been described above, the above embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention can be changed and improved without departing from the gist thereof, and the present invention includes equivalents thereof.

  For example, in the present embodiment, the payment apparatus 10 is a single computer. However, the present invention is not limited to this, and a single virtual computer is formed by a plurality of computers, and the payment apparatus 10 is realized by the virtual computer. Alternatively, a part of the functional unit of the settlement apparatus 10 may be provided in another computer.

  In the present embodiment, the payment processing unit 114 pays the transaction operator's account an amount obtained by subtracting the financial institution's fee from the payment amount. However, the payment processing unit 114 performs processing so that the entire payment amount is paid to the transaction operator. May be. In this case, the settlement processing unit 114 can perform a payment process so as to pay the fee of the financial institution related to the payment of the settlement amount from the account of the settlement agency service operator. The operator of this settlement agency service can bear the fees of financial institutions, using financial product sales commissions as a source of funds, thus reducing the burden on the transaction operator and recording profits in this settlement agency service as well. be able to.

  Further, the settlement processing unit 114 may perform a payment process so that a financial institution fee related to the settlement amount is paid from the account of the seller of the financial product. In this case as well, the seller of the financial product can pay the fee related to the settlement using the sales fee as a resource, so that the burden on the business operator can be reduced and the sales of the financial product can be promoted.

  In this embodiment, the type of financial product to be purchased at the time of settlement is determined in advance. However, the present invention is not limited to this, and the settlement amount approval unit 112 allows the user to select a financial product to be purchased. It may be. At this time, the settlement amount approval unit 112 may present the interest rate and the risk of asset amount reduction for each selectable financial product.

  In addition, the settlement amount approving unit 112 identifies a financial product that can be purchased for each transaction user based on, for example, whether or not a credit check has been performed, and according to the interest rate and the risk among the financial products that can be purchased. Alternatively, the one with the highest expected interest rate may be automatically selected. In this case, the settlement apparatus 10 includes an interest rate storage unit that stores an interest rate and a risk (for example, a ratio indicating the possibility of a loss of principal) for each financial product, and the settlement amount approval unit 112 includes the interest rate and the risk. The expected value can be calculated by multiplying by the amount of money to purchase the financial product.

DESCRIPTION OF SYMBOLS 10 Payment apparatus 20 User terminal 30 Transaction apparatus 40 Network 50 Financial server 111 Settlement request receiving unit 112 Settlement amount approval unit 113 Financial product purchase processing unit 114 Settlement processing unit 115 Settlement result transmission unit 131 Setting database

Claims (2)

A setting database that stores setting information for determining a purchase price of a financial product that a payer involved in a commercial transaction purchases at the time of settlement of the commercial transaction;
A settlement amount approval unit for determining the purchase amount based on the setting information at the time of settlement of the commercial transaction, and confirming purchaser of the financial product with the determined purchase amount;
A settlement processing unit that performs a settlement process according to the confirmed purchase amount and the settlement amount of the commercial transaction;
A financial product purchase processing unit for processing to purchase the financial product for the purchase amount;
An interest rate storage unit for storing an interest rate and a risk for each financial product;
With
The settlement amount approved part, based on the interest rate and the risk of the financial product available for purchase on the payer to calculate the expected interest rate, according to the calculated the expected interest rate, from the plurality of financial products, to purchase A settlement apparatus, wherein the financial product is selected. The payment apparatus according to claim 1,
The settlement amount approval unit presents the interest rate and the risk for each selectable financial product to the payer at the time of settlement of the commercial transaction.
A settlement apparatus characterized by.