JP6616916B1 - Deposit processing apparatus, deposit processing method, and deposit processing program - Google Patents

Abstract

The present application is based on an increase in the amount of processing related to the deposit while enabling the deposit processing to the account of the provider related to the settlement means other than cash according to the business form of the provider. It is an object of the present invention to provide a technique for suppressing processing time delay as much as possible. A payment processing apparatus that obtains payment data related to payment made by an electromagnetic method by a customer of the business operator to the business operator, and calculates a settlement amount included in the payment data of the business operator. The processing schedule setting unit that sets the execution schedule of the deposit process for depositing to the account to the predetermined deposit time zone selected based on the business information set for the business operator, and when the predetermined deposit time zone is reached, the deposit A deposit processing unit for executing the process. [Selection] Figure 6

Description

  The present invention relates to a deposit processing apparatus, a deposit processing method, and a deposit processing program.

  In recent years, with the development of communication technology, various information processing systems utilizing information technology have been developed (see, for example, Patent Document 1-2).

JP 2012-128770 A JP 2009-223815 A

  Businesses operating in restaurants, general stores, convenience stores, virtual stores that operate on the Internet, and other various stores usually sell expenses such as paying wages, purchasing goods, and paying rent to employees. Contribute from money. However, in recent years, payment methods other than cash, such as credit cards, debit cards, and electronic money, have become widespread. In the case of a payment method other than cash, the business operator cannot obtain cash immediately. For example, in the case of a credit card, since the card company collects payments for a predetermined period and deposits the money to the business operator, the business operator waits up to about one month to obtain cash.

  Therefore, as a measure for improving the cash flow of the business operator, it is conceivable to shorten the payment cycle to the business operator using a payment method other than cash. For example, in the case of payment using a debit card, if payment is made to a business from a settlement company that handles the business of payment using a debit card every day, the business will receive sales paid by a payment method other than cash on the next day. Can be obtained at

  By the way, among restaurants, general stores, convenience stores, virtual stores operating on the Internet, and other various stores, there are stores whose business end time is set to the night zone after midnight. In such a store, the summation of sales performed on a daily basis is usually performed after the end of the night business. The sales between midnight and 24:00 are counted as sales on the previous day, that is, the business day. Therefore, in such a store, when a customer pays a business operator immediately before midnight, or after midnight, the settlement data such as the payment amount is transferred to the settlement company on the next day of the business day of the business operator. In order to improve cash flow, if payment is made to the business from the settlement company every day, based on the settlement data notified from the business to the settlement company after midnight. Payments to businesses are made on the day after the business day for businesses, resulting in a discrepancy in the summation of sales performed on a daily basis. The same applies when the transaction of payment data is delayed due to a communication failure or the like. In addition, shortening the payment cycle to businesses increases the processing of deposits to businesses, which increases the amount of processing of the system responsible for depositing business operators' accounts and hinders payment processing for various accounts. There is a possibility.

Accordingly, the present application, the deposit process in the business's account according to the payment means other than cash, and to provide the possibility to be that technology to make along the operating mode of the operators.

  In order to solve the above-mentioned problem, in the present invention, when the settlement data related to the payment made by the customer of the business operator by the electromagnetic method is acquired for the business operator, the payment is made at the payment time zone selected based on the business operator information. We decided to set a schedule for processing.

  Specifically, the present invention is a deposit processing apparatus, and when the settlement data related to the payment made by the customer of the business operator by an electromagnetic method is acquired from the business operator, the settlement amount included in the settlement data is calculated. A processing schedule setting unit for setting a predetermined payment time zone selected based on the business information set for the business operator, and a predetermined payment time zone for performing the payment processing for depositing into the account of the business operator. And a deposit processing unit that executes deposit processing.

  In the case of the above deposit processing apparatus, payment to the operator's account is set for the operator based on the settlement data relating to the payment made by the customer of the operator by an electromagnetic method. A processing schedule is set to be performed in a predetermined deposit time period selected based on the business operator information. Therefore, for example, in a store whose business end time is after midnight, it is not necessary to collect sales from the day before 24:00 to the business end time as a previous day. It is possible to make deposits to the account in a way that does not occur. In addition, since payment is made for each business operator, for example, at a store whose business end time is 18:00, it is possible to collect payment data at an early stage and make payment during the day, which can further improve cash flow. . In addition, by appropriately setting the selected payment time zone, it is possible to suppress a delay in processing time due to an increase in the processing amount related to payment.

  When the payment schedule data is acquired, the processing schedule setting unit selects a predetermined payment time zone based on the business hours information included in the business information, and sets the execution schedule of the payment process as the predetermined payment time. A band may be set. With such a deposit processing device, it is possible to perform deposit processing in the deposit time zone according to the business hours of the business operator, for example, preventing the deposit processing from being performed before the end time of business arrives. Can do.

  In addition, the processing schedule setting unit may lower the selected payment time zone when the execution schedule of the payment processing set in a specific payment time zone reaches a predetermined amount. With such a deposit processing device, it is possible to perform deposit processing on an account of a business operator related to a settlement means other than cash in accordance with the business form of the business operator, It is possible to suppress the processing time delay due to the increase as much as possible.

  In addition, the deposit processing unit may execute the deposit process based on the account number information included in the provider information when a predetermined deposit time period is reached. With such a deposit processing apparatus, it is possible to automatically execute deposit into the business operator's account at a selected time zone.

  The present invention can also be understood from the aspect of a method or a program. The present invention is, for example, a deposit processing method, and when the settlement data related to the payment made by the customer of the business operator by an electromagnetic method is acquired from the business operator, the settlement amount included in the settlement data is A processing schedule setting step for setting the execution schedule of the deposit process for depositing to the user's account to a predetermined deposit time zone selected based on the operator information set for the operator, and a predetermined deposit time zone And a deposit processing step for executing the deposit process.

The above payment processing apparatus, if the payment processing method and payment processing program, the payment processing to the business's account in accordance with the settlement means other than cash, is possible and the child that is along the business form of the business operator .

FIG. 1 is a configuration diagram of a deposit processing system according to the embodiment. FIG. 2 is a diagram illustrating an example of functional blocks that are realized when a computer program is executed in the provider server and the bank server. FIG. 3 is a diagram illustrating an example of a processing flow realized in the bank server. FIG. 4 is a diagram illustrating an example of the business operator information management table. FIG. 5 is a diagram showing an example of a time-based deposit file. FIG. 6 is a diagram illustrating the timing at which the deposit process is performed.

  Hereinafter, embodiments will be described. The embodiment described below is merely an example, and the technical scope of the present disclosure is not limited to the following aspect.

<System configuration>
FIG. 1 is a configuration diagram of a deposit processing system according to the embodiment. The settlement system 1 includes a bank server 3 and a business server 4 that can communicate with each other via a communication network 2. The bank server 3 is a server managed by a financial institution, and manages an account of a customer of the financial institution. The business server 4 is a server managed by a business that operates at restaurants, general stores, convenience stores, virtual stores that operate on the Internet, and other various stores, and is performed at the stores of the business. The settlement data relating to the payment is transmitted to the bank server 3. The company server 4 may be a payment machine installed in the store itself, or in the case of a virtual store, a server of a data center managed by an operator who operates the virtual shopping mall. .

  In the payment system 1, payment by a debit card or a credit card performed through the payment terminal 7 at each company's store, payment using a payment application of the smartphone 6, and information on the membership card presented to the store clerk by the customer 5. When payment of the customer 5 is made by these various electromagnetic methods such as payment made by the store clerk inputting into the terminal, the settlement data related to the payment is sent from the business server 4 via the communication network 2 to the bank server 3. Sent to. Then, in the bank server 3, payment processing to each business operator's account is performed based on the settlement data sent from the business server 4. Note that the payment data may be sent to the bank server 3 via a wireless communication line from a mobile terminal such as a smartphone carried by the customer 5 instead of the provider server 4.

  The communication network 2 is mainly formed by a public communication line. The communication network 2 may be a wired or wireless communication line. Data exchanged between the operator server 4 and the bank server 3 using the communication network 2 is encrypted in order to prevent communication contents from being intercepted.

  The business server 4 and the bank server 3 are information processing apparatuses having a storage such as a CPU, memory, communication interface, HDD (Hard Disk Drive), and SSD (Solid State Drive). The business server 4 executes a computer program related to settlement performed by an electromagnetic method, in addition to the store management computer program prepared by the business that manages the business server 4. Further, the bank server 3 executes a computer program for managing bank customer accounts and a computer program for managing deposits to the accounts.

FIG. 2 is a diagram showing an example of functional blocks realized when a computer program is executed in the business server 4 and the bank server 3. When the business server 4 executes the computer program, it realizes a settlement processing unit 41 and a sales processing unit 42. Moreover, the bank server 3 implement | achieves the process plan setting part 31 and the payment process part 32, if a computer program is run.

  When the customer 5 selects payment by an electromagnetic method, the payment processing unit 41 acquires information on an electromagnetic recording medium such as a debit card through the payment terminal 7 or the like, and manages processing of electromagnetic payment related to the payment. In addition, the sales processing unit 42 accesses the bank server 3 and refers to the information of the business operator's account, and confirms the consistency between the account deposit and the sales.

  The process schedule setting part 31 will set the schedule which performs the payment process which concerns on the said payment data, if the payment data transmitted from the provider server 4 are acquired. In addition, the deposit processing unit 32 executes the deposit process related to the settlement data transmitted from the business operator server 4 according to the schedule set by the process schedule setting unit 31.

  Further, a database 43 is prepared for the business server 4, and a database 33 is prepared for the bank server 3. The database 43 stores files for managing information such as sales at stores. The database 33 also includes a table for managing business information such as business hours and account numbers (hereinafter referred to as “business information management table”) of each business operator participating in the service provided by the bank, A file for managing information such as the amount of money to be deposited into the account by time zone (hereinafter referred to as “payment file by time zone”) is stored.

  FIG. 3 is a diagram illustrating an example of a processing flow realized in the bank server 3. Hereinafter, the processing content realized in the bank server 3 is demonstrated along the processing flow shown in FIG.

  The bank server 3 determines whether payment data has been received (S101). When step S101 is executed at the timing when settlement data is transmitted from the business server 4 to the bank server 3, the bank server 3 makes an affirmative determination.

  If the bank server 3 makes an affirmative determination in step S101, it next checks the member store (S102). In other words, the bank server 3 refers to the received payment data and identifies the business operator that has made payment related to the payment data. Next, the bank server 3 calculates a fee to be paid for the payment service realized by an electromagnetic method (S103). Specifically, the bank server 3 refers to the received payment data and uses a value obtained by multiplying the payment amount included in the payment data by a predetermined ratio (for example, 1%) as a fee. The value obtained by subtracting the fee from is determined as the deposit amount to the business. Next, the bank server 3 specifies the time zone in which the deposit process related to the settlement data is to be executed and the account number of the deposit destination based on the information in the provider information management table, The information is stored in the time zone deposit file (S104). A series of processing from step S101 to step S104 is mainly controlled by the processing schedule setting unit 31.

  If the bank server 3 makes a negative determination in step S101, the bank server 3 then refers to the current time and determines whether or not the deposit processing time has arrived (S105). If the bank server 3 makes an affirmative determination in step S105, the bank server 3 refers to the hourly deposit file, and acquires information on the deposit data to be executed at the current time. (S106). Then, the bank server 3 executes a deposit process to the account of the deposit amount calculated in step S103 based on the information of the deposit data acquired in step S106 (S107). The series of processing from step S105 to step S107 is mainly governed by the deposit processing unit 32.

  In the bank server 3, a series of processing from step S101 to step S107 is repeatedly executed. Therefore, for example, the bank server 3 can realize the following operation.

  FIG. 4 is a diagram illustrating an example of the business operator information management table. In the business operator information management table, business hours of each business operator, account number, time for starting execution of deposit processing, an upper limit of the number of processes set for each business operator, and the like are defined. The time at which the execution of the deposit process is started is set at a time that is at least later than the business end time of the business operator, and the bank sets it appropriately in consideration of the business hours of the business operator. For example, as shown in FIG. 4, the business hours of the business operator A are “10: 0 to 18:00”, and the business hours of the business operator B are “10: 0 to 23:30” Assume that the business hours of C were “10: 0 to 25:00”. In this case, for example, as shown in FIG. 4, the bank sets the start time of the deposit process to “00:00” for the operator A, “02:00” for the operator B, C is set to “02:00”.

  In addition, in order to prevent the processing capacity of the bank server 3 from being concentrated on the payment process to a specific business operator and delaying the payment process to other business operators, as shown in FIG. An upper limit is set for the number of data processing items. Then, in the process of step S104, the bank server 3 stores the deposit data in the deposit file of the next time zone when the deposit data of the business operator who is going to store the deposit data reaches the upper limit. Thereby, it can prevent that the process of the payment data of a specific provider concentrates on a specific time slot | zone.

  Hereinafter, assuming that the business operator information management table is set in this way, a deposit process realized by repeatedly executing a series of processes from step S101 to step S107 will be described.

  For example, it is assumed that a payment of 1,000 yen and a payment of 2000 yen using a debit card are made during business hours at the store of the business operator A. In this case, first, settlement data relating to the payment of 1000 yen is sent from the business server 4 to the bank server 3, the fee is calculated as 10 yen in the process of step S103, and the deposit data of 990 yen is obtained in the process of step S104. It is stored in the deposit file at the processing start time 0:00 on the next day. Further, settlement data relating to the payment of 2000 yen is sent from the business server 4 to the bank server 3, the fee is calculated as 20 yen in the process of step S103, and the 1980 yen deposit data is processed the next day in the process of step S104. It is stored in the deposit file at the start time 0:00.

  In addition, for example, it is assumed that payment of 50,000 yen using a debit card is made during business hours in the store of the business B. In this case, first, settlement data relating to the payment of 50,000 yen is sent from the business server 4 to the bank server 3, the fee is calculated as 500 yen in the process of step S103, and the deposit data of 49500 yen is obtained in the process of step S104. It is stored in the deposit file at the processing start time 02:00 on the next day.

  Further, for example, at the store of the operator C, payment of 10,000 yen using a debit card is made before 24:00 during business hours, and payment of 90000 yen using a debit card is performed at 24: Assume that it was done after 00. In this case, first, settlement data relating to the payment of 10,000 yen is sent from the business server 4 to the bank server 3, the fee is calculated as 100 yen in the process of step S103, and the deposit data of 9900 yen is obtained in the process of step S104. It is stored in the deposit file at the processing start time 02:00 on the next day. Also, settlement data relating to the payment of 90000 yen is sent from the business server 4 to the bank server 3, the fee is calculated as 900 yen in the process of step S103, and the deposit data of 89100 yen is processed in the next day in the process of step S104. It is stored in the deposit file at the start time 02:00.

FIG. 5 is a diagram showing an example of a time-based deposit file. When payment as described above is performed at the stores of the respective business operators A to C, the payment data according to the time zone includes, as shown in FIG. 5, payment data based on the payments made by the respective business operators A to C. Is stored for each time period when the execution of the deposit process is started. That is, the payment data (2970 yen, which is the sum of 990 yen and 1980 yen) based on payment at the store of the business operator A is stored in the payment file at the processing start time 0:00, and based on the payment at the store of the business B The deposit data (49500 yen) is stored in the deposit file at the processing start time 02:00, and the deposit data based on payment at the store of the business operator C (99000 yen, which is the sum of 9900 yen and 89100 yen) is the processing start time 02. : 0 stored in the deposit file.

  Then, when the time reaches 00:00, the bank server 3 makes an affirmative determination in the process of step S105, and refers to the time zone deposit file in the process of step S106. And the bank server 3 performs the payment process based on the payment data of the process start time 0:00 acquired from the payment file classified by time slot | zone in the process of step S107.

  When the time reaches 02:00, the bank server 3 makes an affirmative determination in the process of step S105, and refers to the payment file classified by time zone in the process of step S106. And the bank server 3 performs the payment process based on the payment data of the process start time 02:00 acquired from the payment file classified by time slot | zone in the process of step S107.

  FIG. 6 is a diagram illustrating the timing at which the deposit process is performed. The timing chart shown as “Example” in FIG. 6 shows the timing of payment realized in the bank server 3 of the above embodiment. On the other hand, the timing chart shown as “comparative example” in FIG. 6 shows the timing of depositing in the prior art. The comparative example does not consider the business hours of each business operator A to C, but carries over the payment process to the next day for the settlement data received after 0:00.

  According to the bank server 3 of the above embodiment, as shown in the timing chart shown as “Example” in FIG. 6, the deposit of the sales proceeds to the accounts of the business operator A and the business operator B resulted in sales. The day after the business day. Further, the deposit of the sales proceeds to the account of the business operator C is performed on the day when the business end time is reached, that is, the day after the business day, even when the sales are generated after 24:00.

  On the other hand, in the case of the comparative example, as can be seen from the timing chart shown as “comparative example” in FIG. 6, the receipt of sales proceeds is the next day for the receipt processing of sales that occurred before 24:00 on the business day. Although it is performed, the processing for depositing sales generated after 24:00 is performed on the next day, that is, on the second day after the business day. Thus, for example, in the above-described example, a deposit of 2970 yen based on sales that occurred on the business day of the business A store and 49500 yen based on sales generated on the business day of the business B store. The deposit and the 9900 yen deposit based on the sales generated on the business day at the store of the operator C are made the next day. However, the deposit of 89100 yen based on the sales generated after 24:00 in business hours at the store of the business C will be made two days after the business day.

  In this way, in the case of the comparative example, if payment is made to the operator every day in order to improve the operator's cash flow, the business from the midnight until the closing time is counted as the previous day's sales Payments to the account of the person in charge cause a summation of the sales performed on a daily basis. On the other hand, with the bank server 3 of the above embodiment, in order to improve the operator's cash flow, even if payment is made to the operator every day, sales from midnight to the end of business hours It is possible to make payments to an account in such a way that there is no discrepancy in the summation of sales performed on a daily basis for businesses that are tabulated as sales.

In addition, when the payment to the business operator is performed every day, for example, the processing amount of the deposit processing is increased as compared with the case where the business operator performs the payment twice a month. However, in the bank server 3 of the above-described embodiment, when the deposit data of the business entity that is going to store the deposit data reaches the upper limit in the process of step S104, the deposit data is transferred to the deposit file in the next time zone. Since the data is stored, it is possible to prevent the deposit data of a specific business operator from being concentrated in a specific time zone.

  Therefore, if it is the bank server 3 of the said embodiment, it becomes possible to perform the payment process to the account of the business operator related to the settlement means other than cash according to the business form of the business operator. It is possible to suppress the processing time delay due to the increase in the processing amount as much as possible. For example, as in the above example, when the processing of the payment data of the business operator B and the processing of the payment data of the business operator C are set in the same time zone, the number of the payment data of the business operator B is changed depending on the season or event. Even if it increases from the normal due to the influence of etc., the number of cases where the payment data of the operator B is processed is limited to 30000, so the payment data of the operator C is also within the time zone. To be processed. Accordingly, the business operator C can receive payment to the account without being affected by the business operator B. The same applies to the processing of deposit data in other time zones. As described above, in the bank server 3 of the above embodiment, the number of payment data that can be processed in each time zone even when the number of settlements in a specific business increases due to the influence of seasons or events. Since the upper limit is set for each business operator, it is possible to prevent other business operators from being affected by the specific business operator.

  Note that when the payment means is a debit card, the bank server 3 may withdraw the deposit from the account of the owner of the debit card when the payment data is received. Further, when the settlement means is a credit card, the bank server 3 may charge the credit card issuing company for money to be deposited into the operator's account.

  In the above embodiment, when the bank server 3 receives the payment data, the bank server 3 immediately stores the payment data in the hourly payment file. For example, the bank server 3 accumulates the payment data for a certain period of time and stores the payment data. It is also possible to store the payment data based on the data in a file at an appropriate timing.

  Further, in the above embodiment, the upper limit number of deposit data to be processed is set for each business operator, and when the number of processes in a specific time period reaches the upper limit number, the time period for performing the deposit process is lowered. However, for example, the setting of the upper limit number can be omitted if the time for starting the execution of the depositing process of each business set in the business information management table is appropriately set.

  In the business server 4, the sales processing unit 42 accesses the bank server 3 and confirms the consistency between the money deposited in the business account and the sales data stored in the database 43. It may be.

  Further, in the processing of step S104, the bank server 3 stores the deposit data in the deposit file of the next time zone when the deposit data of the business operator who is going to store the deposit data reaches the upper limit. Instead, the number of cases in each time zone may be compared to select the time zone having the smallest number of cases, and the deposit data may be stored. According to this, for example, when the processing of the payment data of the business operator B and the processing of the payment data of the business operator C are set in the same time zone as in the above example, When the number of cases increases more than usual and exceeds 30000 cases, other companies assigned to the deposit time after 04:00 in the hourly deposit file are not affected by the company B. be able to.

Further, in the processing of step S104, the bank server 3 stores the deposit data in the deposit file of the next time zone when the deposit data of the business operator who is going to store the deposit data reaches the upper limit. Rather, the total upper limit set for each business operator is aggregated for each payment file for each time zone, and the difference between the total number of files that can be stored for each hourly payment file and the total upper limit is calculated as the storage capacity. Alternatively, a time zone in which the calculated storage capacity is equal to or greater than a predetermined amount may be selected based on an arbitrary priority order, and the deposit data may be stored. As an example of an arbitrary priority order, there is a method of increasing the priority of a time zone close to the time zone in which the initial deposit data was to be stored or a method of increasing the priority of a time zone having a large calculated difference. . In addition, when calculating the storage capacity, instead of the upper limit number set for each business operator, store the business hours that have been closed at the time of calculation using the actual stored number. The remaining power may be calculated.

  In addition, for each business operator, set multiple times to start deposit processing, compare the number of cases in each time zone to prevent the number of processing cases in a specific time zone from being concentrated, and each business operator It is also possible to select an optimal deposit file from a plurality of times and store the deposit data so that the deposit process can be executed within a desired time zone.

1. Payment system 2. Communication network 3. Bank server 4. Business server 5. Customer 6. Smart phone 7. Payment terminal 31. Processing schedule setting unit 32. Deposit processing unit 33. Database 41 ··· Settlement processing unit 42 · · Sales processing unit 43 · · Database

Claims (5)

When acquiring payment data related to payment made by an electromagnetic method by the customer of the operator to the operator, the execution schedule of payment processing for depositing the payment amount included in the payment data into the account of the operator, A processing schedule setting unit that is set to a predetermined deposit time zone selected based on business information set for the business;
A deposit processing unit that executes the deposit process when the predetermined deposit time period is reached ,
The processing schedule setting unit, upon obtaining the payment data, selects the predetermined payment time zone based on the business hours information of the business operator included in the business information, and sets the execution schedule of the payment processing Set it to a predetermined deposit time,
Deposit processing device. The processing schedule setting unit lowers the payment time zone to be selected when the execution schedule of the payment processing set in a specific payment time zone reaches a predetermined amount.
The deposit processing apparatus according to claim 1 . The deposit processing unit executes the deposit processing based on information of an account number included in the business operator information when the predetermined deposit time zone is reached.
The deposit processing apparatus according to claim 1 or 2 . When payment data related to payment made by an electromagnetic method by a customer of the business operator is acquired for the business operator, a payment process for depositing the payment amount indicated in the payment data into the business operator's account is scheduled to be executed Is set to a predetermined deposit time zone selected based on the operator information set for the operator,
When the predetermined deposit time period is reached , a computer executes a deposit processing step of executing the deposit processing ,
In the processing schedule setting step, when the settlement data is acquired, the predetermined payment time zone is selected based on the business hours information of the business operator included in the business operator information, and the execution schedule of the payment processing is Set it to a predetermined deposit time,
Payment processing method. When payment data related to payment made by an electromagnetic method by a customer of the business operator is acquired for the business operator, a payment process for depositing the payment amount indicated in the payment data into the business operator's account is scheduled to be executed Is set to a predetermined deposit time zone selected based on the operator information set for the operator,
When the predetermined deposit time zone is reached, the deposit processing step of executing the deposit processing is executed by a computer ,
In the processing schedule setting step, when the settlement data is acquired, the predetermined payment time zone is selected based on the business hours information of the business operator included in the business information, and the execution schedule of the payment processing is Let me set it in the predetermined deposit time zone,
Deposit processing program.

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