JP6586314B2 - Payment system - Google Patents

Description

  The present invention relates to a technique for paying a payment using a credit card.

  Credit cards and prepaid cards are widely used as means for settlement of daily commodity purchase prices. In order to receive the issuance of a credit card, it is necessary to undergo a credit examination in advance, and not all applicants can use the credit card. On the other hand, while prepaid cards are generally convenient in that they do not require prior credit screening, they must be prepared separately from the credit card payment network and reading terminal, which is a burden on the store. There is a possibility.

  Patent Document 1 listed below describes a technique for enabling the provision of a prepaid payment service using a credit card in relation to the above problem (see 0010 of the same document).

JP 2011-003037 A

  According to the technique described in Patent Document 1, it is considered that a customer at a store can make a prepaid payment using a credit card already owned. Therefore, since the store can provide a prepaid payment service by directly using the already-installed equipment such as a reading terminal for credit payment, it is useful for both the store and the customer.

  However, in this document, it is considered that it is a principle to make a prepaid payment if the payment amount is within the range of the prepaid balance (see FIG. 4, FIG. 4). On the other hand, in an actual usage situation, even if the payment amount is within the range of the prepaid balance, for example, the prepaid balance should be left for another purchase opportunity, for example, to settle using a credit card. It may be desired.

  The present invention has been made in view of the problems as described above, and an object of the present invention is to provide a technology capable of selecting credit settlement or prepaid settlement using a single credit card. To do.

  The settlement system according to the present invention includes a database for storing a prepaid balance and a flag for designating a payment means in association with each other, and when the flag designates prepaid settlement, the prepaid balance is used for settlement, and the flag If prepaid payment is not specified, the credit card is used for payment.

  According to the settlement system of the present invention, a credit card user can select whether to perform a credit settlement or a prepaid settlement using the same credit card.

1 is a configuration diagram of a payment server 100. FIG. It is a figure which shows the structure and data example of the payment definition record 210 which the database 200 has stored. It is a flowchart explaining the process of the money_receiving | payment process part. 10 is a flowchart for explaining the operation when the payment server 100 receives a request for specifying a prepaid designation flag 213 and a balance designation flag 214 from the personal terminal 400. 5 is a flowchart illustrating processing of a settlement processing unit 140.

<Embodiment of the present invention>
FIG. 1 is a configuration diagram of a settlement server 100 according to the embodiment of the present invention. The settlement server 100 is a system that receives a settlement request from the settlement terminal 310 and processes it when a credit card user settles the payment amount at the store 300. The settlement server 100 includes a prepaid designation processing unit 110, a balance designation processing unit 120, a deposit processing unit 130, and a settlement processing unit 140. Further, the payment server 100 is connected to the database 200. Details of these functional units will be described later.

  The store 300 is connected to the payment server 100 via the network 500. The credit card user transmits a payment request for payment of the purchase payment amount to the payment server 100 through the payment terminal 310 in the store 300.

  The personal terminal 400 is a terminal owned by the owner of the credit card, for example, at home, and is connected to the settlement server 100 via the network 500. The credit card owner uses a personal terminal 400 to designate a prepaid designation flag 213 and a balance designation flag 214, which will be described later.

  Each functional unit included in the settlement server 100 can be configured by hardware such as a circuit device that realizes these functions, or a software that implements these functions is executed by a calculation device such as a CPU (Central Processing Unit). It can also be configured. The database 200 can be configured by storing a data file describing the contents of the payment definition record 210 in a storage device such as a hard disk device.

  FIG. 2 is a diagram illustrating a configuration and data example of the payment definition record 210 stored in the database 200. The payment definition record 210 holds, for each credit card number, a record that specifies whether to settle using a prepaid balance or a credit card credit frame. The payment definition record 210 has a card number field 211, a prepaid balance field 212, a prepaid designation flag 213, and a balance designation flag 214. One record corresponds to one credit card number. The payment definition record 210 can store a plurality of records.

  The card number field 211 holds a credit card number. The prepaid balance field 212 holds a prepaid balance associated with the credit card designated by the card number field 211. The procedure for depositing the prepaid amount will be described later. The prepaid designation flag 213 is a flag that designates whether the settlement request transmitted from the settlement terminal 310 is settled by a prepaid balance or a credit credit frame. The balance designation flag 214 is a flag for designating a procedure for processing the payment request when the payment amount of the payment request transmitted from the payment terminal 310 exceeds the prepaid balance field 212. These flags will be described again with reference to the flowchart described later.

  FIG. 3 is a flowchart for explaining the processing of the deposit processing unit 130. Hereinafter, each step of FIG. 3 will be described.

(FIG. 3: Step S301)
The deposit processing unit 130 receives a deposit request that requests the prepaid balance field 212 to reflect the deposit amount. As means for depositing the prepaid balance by the credit card owner, for example, the following can be used.

(FIG. 3: Step S301: Deposit Method 1: Bank Transfer)
The credit card owner deposits an amount appropriated to the prepaid balance field 212 for a predetermined bank account by using a predetermined form such as a transfer sheet prepared in advance by a business providing the settlement server 100 or the like. At this time, for example, a credit card number is entered in a field that describes the name of the transfer person. When the bank receives the deposit, the bank transmits a deposit record to the settlement server 100. The settlement server 100 receives this deposit record as a deposit request.

(FIG. 3: Step S301: Deposit means 2: Deposit by credit card)
The credit card owner accesses the payment server 100 using the personal terminal 400. The settlement server 100 provides the personal terminal 400 with a deposit form for depositing the prepaid balance in the form of, for example, a web form. The credit card owner designates a credit card number owned by the credit card owner and purchases a desired prepaid amount on the form. The settlement server 100 receives the form input as a deposit request. For example, this embodiment can be used in a case where a parent deposits a prepaid amount for a credit card owned by a child.

(FIG. 3: Step S301: Deposit means 3: Payment at the credit counter)
The credit card owner pays an amount appropriated to the prepaid balance field 212 at a credit card counter such as a department store. The person in charge of the counter accesses the settlement server 100 and transmits data specifying that the deposit amount is reflected to the prepaid balance field 212 of the record corresponding to the credit card number specified by the credit card owner. To do. The settlement server 100 receives the data transmitted by the counter person in charge as a deposit request.

(FIG. 3: Step S302: Deposit means 1: Bank transfer)
The deposit processing unit 130 receives the deposit record transmitted in step S301, and reflects the deposit amount on the prepaid balance field 212 of the record corresponding to the credit card number designated by the deposit record.

(FIG. 3: Step S302: Deposit means 2: Deposit by credit card)
The deposit processing unit 130 reflects the deposit amount on the prepaid balance field 212 of the record corresponding to the credit card number designated on the form in step S301. Further, the settlement processing unit 140 performs credit settlement for payment by credit card.

(FIG. 3: Step S302: Deposit means 3: Payment at the credit counter)
The deposit processing unit 130 reflects the value input by the counter person in step S <b> 301 in the prepaid balance field 212.

(FIG. 3: Step S302: Supplement)
The deposit processing unit 130 may store, in the prepaid designation flag 213, a value that designates that the settlement request is settled with the prepaid balance when reflecting the deposit amount in the prepaid balance field 212. As a result, the credit card user can make a prepaid settlement of the settlement request within the range of the prepaid balance without executing the flowchart of FIG. 4 described later.

  FIG. 4 is a flowchart for explaining the operation when the payment server 100 receives a request for designating the prepaid designation flag 213 and the balance designation flag 214 from the personal terminal 400. Hereinafter, each step of FIG. 4 will be described.

(FIG. 4: Step S401)
The credit card owner accesses the payment server 100 using the personal terminal 400. The settlement server 100 provides an input form for designating the prepaid designation flag 213 and the balance designation flag 214 to the personal terminal 400 in the form of, for example, a web form. The credit card owner designates a prepaid designation flag 213 and a balance designation flag 214 on the form. The prepaid designation processing unit 110 and the balance designation processing unit 120 receive the designation request.

(FIG. 4: Step S402)
The prepaid designation processing unit 110 reflects the designation request received in step S401 on the prepaid designation flag 213. Examples of the prepaid designation flag 213 designated by the designation request include the following two.

(FIG. 4: Step S402: Example 1 of Prepaid Designation Flag 213)
The prepaid designation flag 213 can designate that the settlement request is settled with the prepaid balance when there is a balance held in the prepaid balance field 212. The records in the first to third lines in FIG. 2 correspond to this. The processing when the balance is not sufficient is designated by a balance designation flag 214 described later.

(FIG. 4: Step S402: Example 2 of Prepaid Designation Flag 213)
The prepaid designation flag 213 can designate that the settlement request is settled by the credit card credit line regardless of the balance held in the prepaid balance field 212. The record on the fourth line in FIG. 2 corresponds to this.

(FIG. 4: Step S403)
The balance designation processing unit 120 reflects the designation request received in step S401 on the balance designation flag 214. When the payment amount of the payment request exceeds the balance held in the prepaid balance field 212, the balance specification flag 214 can specify any of the following as means for processing the payment request.

(FIG. 4: Step S403: Example 1 of Balance Specification Flag 214)
The balance designation flag 214 can designate that the entire payment amount of the settlement request is settled by a credit card credit frame. The record on the first line in FIG. 2 corresponds to this.

(FIG. 4: Step S403: Example 2 of Balance Specification Flag 214)
The balance designation flag 214 is used for prepaid payment within the range of the balance held in the prepaid balance field 212 in the payment amount of the payment request, and credit card credit frame for the difference remaining after the prepaid payment. You can specify to settle. The record on the second line in FIG. 2 corresponds to this.

(FIG. 4: Step S403: Example 3 of balance designation flag 214)
The balance designation flag 214 can be designated not to approve a settlement request. The record on the third line in FIG. 2 corresponds to this.

(FIG. 4: Steps S401 to S403: Supplement)
When the settlement server 100 creates a new record corresponding to a new credit card number in the payment definition record 210, the settlement server 100 may set, for example, a value indicating that credit settlement is performed as an initial value of the balance designation flag 214. As a result, even when prepaid payment is not made, the credit card user can use at least a settlement function as a normal credit card.

  FIG. 5 is a flowchart for explaining the processing of the settlement processing unit 140. Hereinafter, each step of FIG. 5 will be described.

(FIG. 5: Step S501)
When the credit card user transmits a payment request through the payment terminal 310, the payment processing unit 140 receives the payment request.

(FIG. 5: Steps S502 to S503)
The settlement processing unit 140 refers to the payment definition record 210 using the credit card number specified by the settlement request received in step S501 as a key, and acquires the corresponding record. The settlement processing unit 140 reads the prepaid designation flag 213 of the acquired record. If the read prepaid designation flag designates “credit settlement”, the settlement request is settled within the credit frame of the credit card number in step S503. If “prepaid payment” is designated, the process proceeds to step S504.

(FIG. 5: Steps S504 to S505)
The settlement processing unit 140 determines whether or not the payment amount of the settlement request is within the range of the prepaid balance field 212 of the record acquired in step S502. If it is within the balance range, the settlement request is settled with the prepaid balance in step S505, and the settlement amount is deducted from the prepaid balance field 212. If it exceeds the balance, the process proceeds to step S506.

(FIG. 5: Steps S506 to S509)
The settlement processing unit 140 reads the balance designation flag 214 of the record acquired in step S502. If the read balance designation flag 214 designates “credit settlement”, the settlement request is settled within the credit frame of the credit card number in step S507. When the read balance designation flag 214 designates “non-approval”, a reply that the payment request is not approved is returned in step S508. If the read balance designation flag 214 designates “differential settlement”, the balance in the prepaid balance field 212 is first applied to the payment amount in step S509 and the result is reflected in the prepaid balance field 212. Then, the remaining amount remaining on the credit card is settled by the credit frame of the credit card number.

<Summary of the present invention>
The settlement server 100 according to the present invention processes the settlement request by credit card settlement or prepaid settlement according to the designation of the prepaid designation flag 213. Thereby, the owner of the credit card can specify whether the credit card owned by himself or herself is used as a credit card or a prepaid card.

  According to the settlement server 100 according to the present invention, the credit card user can select in advance how to process the excess when the prepaid balance exceeds the payment amount. Thereby, it can avoid using the payment means which the credit card owner does not intend. For example, if it is desired to purchase within the prepaid balance, the balance designation flag 214 may be set to “non-approved”.

<Modification of the present invention>
In the above embodiment, the counter person in charge at the credit counter can access the settlement server 100 and specify the prepaid designation flag 213 and the balance designation flag 214 according to the request of the credit card owner. In this case, the personal terminal 400 is not necessarily required.

  In the above embodiment, the credit card owner can directly call the card company, and the telephone person in charge can access the payment server 100 and specify the prepaid designation flag 213 and the balance designation flag 214. Also in this case, the personal terminal 400 is not necessarily required.

  100: Payment server 110: Prepaid designation processing unit 120: Balance designation processing unit 130: Deposit processing unit 140: Payment processing unit 200: Database 210: Payment definition record 310: Payment terminal 400: Personal terminal .

Claims (3)

A payment system for payment using a credit card,
A deposit processing unit for receiving an instruction to apply a prepayment to the credit card;
A payment definition record in which a card number of the credit card, a balance of the prepayment applied to the credit card, and a prepaid designation flag that specifies whether or not to settle using the prepayment are associated with each other , A database to store for each credit card number,
A payment processing unit that receives a payment request using the credit card and processes it according to data managed by the database;
With
The deposit processing unit, the database, and the settlement processing unit are configured on a settlement server that receives the settlement request via a network from a settlement terminal that issues the settlement request,
The settlement processing unit
Receiving the payment request together with the card number;
By referring to the database using the received card number as a key, the balance of the advance payment and the prepaid designation flag associated with the card number are obtained,
When the acquired prepaid designation flag specifies that the payment is made using the advance payment, and the payment amount requested to be settled by the payment request is within the range of the acquired advance payment balance, Process the payment request by applying the balance of the advance payment to the payment amount and return the result,
If the acquired prepaid designation flag specifies that the payment is made without using the advance payment, the payment request is processed using the credit card credit frame, and the result is returned .
The payment definition record further includes
When the payment amount requested to be settled by the settlement request exceeds the balance of the advance payment, the entire payment amount is settled using the credit card credit line, or the balance of the advance payment is set to the payment amount. Describes the balance designation flag that specifies whether to settle the remaining amount using the credit card credit limit or to deny the payment request,
The settlement processing unit
When the acquired prepaid designation flag specifies that the payment is made using the advance payment, and the payment amount requested to be settled by the payment request exceeds the balance of the acquired advance payment ,
A settlement system, wherein the settlement request is processed in accordance with the description of the balance designation flag and the result is returned . The payment system includes a prepaid designation processing unit that receives a prepaid designation request that designates the prepaid designation flag.
The payment system according to claim 1, wherein when the prepaid designation processing unit receives the prepaid designation request, the prepaid designation processing unit writes the prepaid designation flag in the database according to the designation. The settlement system includes a balance designation processing unit that receives a balance designation request for designating the balance designation flag,
The balance designation processing unit receives the balance specified request, the settlement system of claim 1, wherein the writing the balance designation flag to the database according to the setting.

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