JP6634174B1 - Group issued non-cash settlement means management apparatus, control method of group issued non-cash settlement means management apparatus, and group issued non-cash settlement means management program - Google Patents

Abstract

An object of the present invention is to provide a group-issued non-cash settlement means management device and the like which can promote the use of electronic currency, points, and the like issued by a specific organization, and can further utilize and spread them. A non-cash payment means is issued by a specific organization, its use is limited, and its use history is recorded. Manages financing information for non-cash payment means issued by a group for business owners who provide products and / or services that customers can use, and manages non-cash payment means issued by business owners The group-issued non-cash settlement means management devices 10 and 50 having a storage unit 50 for performing repayment processing of the group-issued non-cash settlement means received by the employer upon repayment based on the loan information. [Selection diagram] Fig. 1

Description

  The present invention relates to, for example, a group-issued non-cash settlement means management device, a method of controlling the group-issued non-cash settlement means management device, and a group-issued non-cash settlement method related to financing of a group-issued non-cash means such as an electronic currency issued by a specific organization. It relates to a means management program.

2. Description of the Related Art Conventionally, a system such as an electronic currency has been widely used as a settlement system in which a customer can purchase a product or the like without using cash or a credit card in a store or the like.
Since such electronic currencies are different from cash and can only be used at stores that handle electronic currencies etc. of entities such as organizations that issue them, it is possible to encourage customers to purchase at specific stores etc. The system is capable of improving sales of related stores and the like.
Further, these stores and the like have a system in which, for example, a point or the like is given to a customer who uses the electronic currency to further promote purchase and the like.
Further, when the customer does shopping in electronic currency or the like, if the balance of electronic currency is insufficient, credit sales can be made within the credit range of each customer (for example, Patent Document 1 or the like), or the customer has a shortage. A service for lending points has also been proposed (for example, Patent Document 2).

JP 2018-060300A JP 2005-115435 A

  However, such credit or point lending is only made exceptionally to specific customers, etc., and stores, etc. that sell products, etc. to customers convert electronic currencies and points into cash. However, the use of electronic currency and the like in the entire transaction is still insufficient.

  Therefore, the present invention promotes the use of electronic currencies and points issued by a specific organization, and further manages and uses the group-issued non-cash settlement means and the group-issued non-cash settlement means capable of promoting further use and spread of these. An object of the present invention is to provide a control method of a management device and a non-cash payment means management program issued by a group.

According to the present invention, the above object is a group that manages a group-issued non-cash settlement means, which is a non-cash settlement means that is issued by a specific organization, its use is limited, and its use history is recorded. issued a non-cash payment means management device, the organization issued a non-cash settlement means for providing the location of the employer customers to provide at least one of the items及beauty Auditor Tsutomu available for use, the organization issued a non A storage unit that manages the financing information for financing the cash settlement means and stores an account of the business owner that manages the group-issued non-cash payment means that the business owner receives from the user at the providing place , Furthermore, it has a configuration in which pre articles employer processes the pay based on the loan information from the account of the employer for storing the associations issuing non-cash payment means received from the user, upon loan, Deposits of the employer, generate funding forecast information including a future profit and loss statement based on financial institution transaction information including withdrawal, generate loan limit information of the group-issued non-cash settlement means based on the funding forecast information, Furthermore, achieved by organizations issuing non-cash payment means management device which is characterized that you generate a modified loan limit information that fixes the loan limit information based on information including the reimbursement period information industries information the providing place belongs .

According to the configuration, the group-issued non-cash settlement means, such as electronic currency, is provided to the employer at the providing place for receiving the group-issued non-cash settlement means from the customer, so that the business issuer can receive the group-issued non-cash settlement means. It can be used for purchasing means, etc., and the use and spread of non-cash settlement means issued by a group can be promoted and spread.
In addition, since the group-issued non-cash settlement means management device manages the group-issued non-cash settlement means received by the employer, it reliably executes the repayment of the group-issued non-cash settlement means loaned to the employer. be able to.

  According to the above configuration, the loan limit information of the non-cash settlement means issued by the group is corrected based not only on the cash flow forecast information of the employer of the providing place such as the store, but also on the type of business to which the providing place belongs. This is a loan for non-cash payment means issued by a group such as electronic currency.

Preferably, the group-issued non-cash settlement means management device generates information on a rewarding group-issued non-cash settlement means that does not need to be repaid by the employer, based on the modified loan limit information.
Preferably, the group-issued non-cash settlement means management device, based on the funding prediction information, determines whether or not a predetermined value of the group-issued non-cash settlement means to be used for repayment of a loan is appropriate. A determination unit that, when the default value of the group-issued non-cash settlement unit is determined to be invalid by the repayment validity determination unit, corrects the value of the default group-issued non-cash settlement unit. It is characterized by having.

  According to the above configuration, in order to determine the validity of the value of the non-cash settlement means issued by a group such as a predetermined electronic currency to be used for the repayment of the loan, and to correct the value if it is not appropriate, the excessive repayment is provided at a place such as a store. Business owners.

  Preferably, the repayment validity determination unit of the group-issued non-cash settlement means management device is configured to determine whether or not the value of the predetermined group-issued non-cash settlement means is likely to cause a shortage of funds to the business owner of the providing place. It is characterized in that it is configured to determine whether

  According to the above configuration, when the value of the non-cash settlement means issued by a group such as a predetermined electronic currency is highly likely to cause a shortage of funds to the business owner of the providing place, it is possible to avoid occurrence of such a situation.

  Preferably, the group-issued non-cash settlement means of the group-issued non-cash settlement means management device includes a group-issued electronic currency, which is an electronic currency issued by a group, and a group-issued point, which is a point issued by the group. It is characterized by the following.

According to the present invention, the above object is a group that manages a group-issued non-cash settlement means, which is a non-cash settlement means that is issued by a specific organization, its use is limited, and its use history is recorded. issuing a control method for a non-cash payment means management device, the organizations issuing non-cash payment means management device, at least either one of the organizations issuing non-cash payment means customer product及beauty Auditor Tsutomu an available For the employer at the providing location to provide, manages the financing information for financing the group-issued non-cash settlement means, and manages the group-issued non-cash settlement means that the business owner receives from the user at the providing place. storing account of the employer in the storage unit, further, returns from the employer's account previous article employer stores the organization issuing non-cash payment means received from the user based on the loan information Processes, upon loan, payment of the employer, generates cash flow prediction information including future income statement based on the financial institution transaction information including payment, the organization issuing non-cash payment means on the basis of the cash flow prediction information and generating the maximum loan information, further, a feature that has a structure that generates the correction of credit information to modify the loan limit information based on information including the reimbursement period information industries information the providing place belongs This is achieved by the control method of the group issued non-cash settlement means managing device.

In the present invention, the object is to manage a group-issued non-cash settlement means which is a non-cash settlement means which is issued by a specific business entity, its use is limited, and its use history is recorded. the organization issued a non-cash payment means management unit, said for the organization issued a non-cash payment means to provide the location of the employer customers to provide at least one of the items及beauty Auditor Tsutomu available for use, the organization issued a non-cash manages the loan information loan payment means function to store the employer account the employer to manage the organization issuing non-cash payment means for receiving from the user at the providing place in the storage unit, further, functions before article employers to process the repayment on the basis of the loan information from the account of the employer for storing the organization issued a non-cash settlement means received from the user, upon financing, payment of the employer A function of generating funding forecast information including a future profit and loss statement based on financial institution transaction information including withdrawal, a function of generating loan limit information of the group-issued non-cash settlement means based on the funding forecast information, This is achieved by a group issued non-cash settlement means management program for realizing a function of generating modified loan limit information obtained by modifying the loan limit information based on information including advance period information of industry information to which the providing place belongs .

  As described above, the present invention promotes the use of electronic currencies and points issued by a specific organization, and further enhances their use and spread. There is an advantage that a control method for the non-cash settlement means management device and a non-cash settlement means management program issued by a group can be provided.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic diagram of a "Z-pay loan management system 1" which is a group-issued non-cash settlement means according to the present invention, for example, financing "Z-pay" etc. issued by Company Z. FIG. 2 is a schematic block diagram illustrating a main configuration of a “Z-pay etc. management device 50” in FIG. 1. FIG. 3 is a schematic block diagram illustrating a main configuration of various information storage units 55 on the management device side such as the Z-pay in FIG. 2. FIG. 2 is a schematic block diagram illustrating a main configuration of a loan data management device 10 in FIG. 1. It is a schematic block diagram which shows the main contents of "the loan data management side 1st various information storage part 110". It is a schematic block diagram which shows the main contents of "the loan data management side 2nd various information storage part 120". It is a schematic block diagram which shows the main contents of "the loan data management side 3rd various information storage part 130". It is a schematic block diagram which shows the main contents of "the loan data management side 4th various information storage part 140". It is a schematic block diagram which shows the main contents of "the loan data management side 5th various information storage part 150". It is a schematic block diagram which shows the main contents of "the loan data management side 6th various information storage part 160". It is a schematic flowchart which shows the process in which the individual X1 who possesses the prepaid card 7 uses Z pay, Z point, etc. It is a schematic flowchart which shows the process of Z company financing Z pay etc. to the business owner of restaurant A. It is another schematic flowchart which shows the process of Z company financing Z pay etc. to the business owner of restaurant A. It is another schematic flowchart which shows the process of Z company financing Z pay etc. to the business owner of restaurant A. It is a schematic flowchart which shows the process of the automatic repayment of the loaned Z pay. It is another schematic flowchart which shows the process of the automatic repayment of the loaned Z pay. It is a schematic flowchart which shows the process of arbitrary repayment. It is a schematic flowchart which shows the freezing process of an account, such as Z pay.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings and the like.
Note that the embodiments described below are preferred specific examples of the present invention, and therefore, various technically preferable limitations are added. However, the scope of the present invention particularly limits the present invention in the following description. It is not limited to these embodiments unless otherwise stated.

(About loan management system 1 such as Z-Pay)
FIG. 1 is a schematic diagram of a "Z-Pay loan management system 1" which is a group-issued non-cash settlement means according to the present invention, for example, financing "Z-Pay" etc. issued by Company Z.
As shown in FIG. 1, the system 1 includes a loan data management device 10, a Z-pay management device 50, a bank server 2, an A restaurant management device (for example, a POS terminal (POINT OF SALE TERMINAL) 3, a B greengrocer). It has a store management device (for example, a POS terminal) 4, which can communicate with each other via the Internet network 5.
Further, a card reader / reader 6 is connected to the restaurant management apparatus 3, and as shown in FIG. 1, for example, is configured to be able to read information of a prepaid card 7.

The card data reader 6 is also connected to the B greengrocer store management device 4 (not shown).
The above-mentioned "POS terminal" is a point-of-sale information management terminal, and is a management device that counts, for example, the sales performance of articles and the like in the store or the like on a single item basis.
Further, the POS terminal as the restaurant management device 3 in FIG. 1 is disposed, for example, in the store of the restaurant A, and the POS device or the like as the greengrocer store management device 4 is, for example, in the store of the greengrocer store B. Placed in

  In the present embodiment, the restaurant management device 3 such as a POS terminal acquires the information of the prepaid card 7 via the card data reader 6. However, the present invention is not limited to this. ATM (AUTOMATIC TELLER MACHINE) automatic teller machine, etc., etc., obtain information from a mobile terminal such as a customer's smartphone using a matrix type two-dimensional code (QR code (registered trademark)). It is.

  Further, the bank server 2 in FIG. 1 is arranged in a bank, and is configured to manage a bank account or the like of a business owner of Restaurant A or the like.

  In the present system 1, a specific organization, for example, a company Z, which is issued by a company and uses the “providing place for providing goods and / or services”, for example, a store, is limited and used. For example, "Z-Pay", which is a group-issued non-cash settlement means in which a history is recorded, is provided to a store or the like for financing.

Here, the group-issued non-cash settlement means includes "group-issued electronic currency" which is an electronic currency issued by the group and "group-issued point" which is a point issued by the group.
"Z Pay" is "group issued electronic currency" issued by Company Z. When purchasing goods and / or receiving services at a specific store, etc. An electronic currency that can be used.

  The “group issue point” is also called a discount point, and is given when a user purchases a product or the like in electronic currency such as Z-Pay, for example. This point is also purchased at a specific store or the like. And / or when receiving services, it can be used, like cash, to pay for it.

Hereinafter, for example, the "group issued electronic currency" included in the group issued non-cash settlement means of the present invention, for example, the electronic currency and the "group issued points", for example, the points will be described.
"Electronic currency (for example, pay)" includes "prepaid-type pay" in which payment (charging) is made in advance in cash and payment (use) is possible up to the payment amount, and a bank account or the like is used in real time when making payment. Payment is made in the range of the upper limit determined separately, and "Post-pay", such as a credit card executed from a bank account at a later date. It is.

In the present embodiment, for example, the loan data management device 10 and the Z-pay management device 50, which are the non-cash payment means management devices issued by the group of the Z-pay etc. loan management system 1 in FIG. The management of “Z pay” issued by the company Z included in the above is performed.
The prepaid card 7 in FIG. 1 is an example of the “prepaid pay”.
Further, in the present embodiment, an example is shown in which Company Z has a management apparatus 50 for managing Z pay, such as a Z pay, and a loan data management apparatus 10 for managing a loan for Z pay is managed by another company. However, the present invention includes a case where the company Z directly manages the loan data management device 10.

Next, "points" will be described.
"Group issued points (points)" include "offline media management type" in which the balance of points is managed by a card or a mobile terminal (smartphone, etc.), and "offline media management type" in which the balance of points is managed by a management device such as a server. Online server management type ".

In this embodiment, the loan data management device 10 and the Z-pay management device 50 of the Z-pay etc. loan management system 1 shown in FIG. 1 manage the “Z points” issued by Company Z for the prepaid card 7. It has become.
Further, in the present embodiment, an example will be described in which Z points are managed by “online server management type”.
Further, in the present embodiment, an example will be described in which Company Z has a management apparatus 50 such as a Z-Pay that finally manages Z points, and loan data management apparatus 10 that manages Z points is managed by another company. However, the present invention includes a case where the company Z directly manages the loan data management device 10.

Further, in the present embodiment, as an example, the above-mentioned Z pay is described as “prepaid type pay” and the Z point is described as “online server management type”. However, the present invention is not limited to this. A configuration in which management is performed by “real-time pay” or “post-pay pay” may be employed.
Further, a configuration in which the Z points are managed by “offline medium management type” may be adopted.

  Furthermore, in the present embodiment, an actual restaurant or the like such as a restaurant A is described as an example. However, the present invention relates to an electronic currency such as Z pay and a Z point handled by a store such as the Internet such as an EC site. Etc. are also included.

In the present embodiment, the individual X1 or the like who can hold Z pay or Z points has the prepaid card 7 of FIG. 1 and pays using Z pay or Z points at A restaurant, and The following describes an example in which a business owner pays using Z pay or Z points when purchasing vegetables and the like at a B greengrocer shop.
Further, in the present embodiment, an example will be described in which company Z makes a loan for “Z pay” to the business owner of restaurant A and automatically and surely automatically repays this loan.

  The loan data management device 10, the Z-pay management device 50, the A restaurant management device 3, the B grocery store management device 4, the bank server 2 and the like in FIG. 1 each have a computer and have a CPU (Central Processing Unit), It has a RAM (Random Access Memory), a ROM (Read Only Memory), a hard disk, and the like, and is connected via a bus.

(Main configuration of "Z-Pay etc. management device 50")
FIG. 2 is a schematic block diagram showing a main configuration of the “Z-pay etc. management device 50” of FIG.
As shown in FIG. 2, the Z-pay etc. management device 50 includes a “Z-pay etc. management device-side control unit 51”, and the control unit 51 includes a “Z-pay management device-side communication device 52” shown in FIG. 2. , "Z-Pay etc. management device side display 53", "Z-Pay etc. management device side input device 54", "Z-Pay etc. management device side various information storage unit 55", and the like.

  FIG. 3 is a schematic block diagram showing the main configuration of the various information storage sections 55 on the management apparatus side such as the Z-Pay shown in FIG. 2, the contents of which will be described later.

(Main configuration of “financing data management device 10”)
FIG. 4 is a schematic block diagram showing a main configuration of the loan data management device 10 of FIG.
As shown in FIG. 4, the loan data management device 10 includes a “finance data management-side control unit 11”, and the control unit 11 includes a “finance data management-side communication device 12” and a “finance data management-side display 13”. , “Financing data management side input device 14” and the like.
In addition, the control unit 11 includes the “finance data management-side first various information storage units 110”, the “finance data management-side second various information storage units 120”, and the “finance data management-side third various "Information storage unit 130", "financing data management-side fourth various information storage unit 140", "financing data management-side fifth various information storage unit 150", and "financing data management-side sixth various information storage unit 160". Also control.

  FIGS. 5 to 10 are schematic block diagrams showing main contents of the “finance data management-side first various information storage units 110” to “finance data management-side sixth various information storage units 160”, respectively. These contents will be described later.

11 to 18 are schematic flowcharts showing main operation examples and the like of the “Z-pay etc. loan management system 1” according to the present embodiment in FIG.
(About the process in which the individual X1 etc. uses Z pay, Z points, etc.)
FIG. 11 is a schematic flowchart showing a process in which an individual X1 or the like possessing the prepaid card 7 uses Z pay, Z points, and the like.
First, in step 1 (hereinafter referred to as “ST”) 1 in FIG. 11, the individual X holding the prepaid card 7 exchanges cash for Z-Pay of Z Company or is given Z points from Z Company, and The information is stored in the Z-pay account of the individual X1 in the “Z-pay account storage unit 56”.

Next, the individual X1 goes to ST2 to eat and drink at the restaurant A and pay. In ST2, the “card data reader 6” of the restaurant A reads the data of the “prepaid card 7” of the individual X1, and the amount and / or points of “Z ぺ” to be paid by the “A restaurant management device 3”. The data is transmitted to the "Z-pay etc. management device 50" together with the number information.
At this time, the identification information of the restaurant management device 3 is also transmitted.

Next, the process proceeds to ST3. In ST3, the “Z-Pay etc. management device 50” refers to the current Z-Pay and the current number of Z points of the “Individual X1” Z-Pay etc. account in the “Z-Pay etc. account storage unit 56”, and makes the payment. It is determined whether or not the Z pay and / or the number of Z points can be paid.
Next, in ST4, when it is determined that payment is possible, the process proceeds to ST5. In ST5, the payout Z-pay and / or the number of points are subtracted from the Z-pay account of the individual X1 in FIG. 3 and added to the Z-pay account of the restaurant A.
This completes the Z pay and / or Z point pay by the individual X1.

(About the process of financing Z-Pay etc.)
FIG. 12 is a schematic flowchart showing a process of financing Z pay and the like by the company Z to the business owner of the restaurant A.
This step is mainly executed by the "financing data management device 10" of FIG.
First, in ST11 of FIG. 12, the "item information extraction unit (program) 111" of FIG. 5 operates, and deposits / withdrawals and summaries are obtained from financial institution transaction information such as passbook data such as the name of the business owner of the restaurant A. And the like are classified into withdrawal items (for example, personnel costs, fixed costs, variable costs, repayments, etc.) and payment items (for example, sales etc.) belonging to the profit and loss calculation table, and “item information storage” in FIG. Section 112 ".

  Next, the process proceeds to ST12. In ST12, the “payment / withdrawal item prediction information generation unit (program) 113” of FIG. 5 operates, and based on the information of the payment item and the withdrawal item of the “item information storage unit 112” of FIG. Alternatively, it automatically generates deposit / withdrawal item prediction information (for example, future labor cost data) for which payment is predicted, and stores the information in the “withdrawal / withdrawal item prediction information storage unit 114” in FIG.

  Next, the process proceeds to ST13. In ST13, the “financing forecast information generation unit (program) 115” of FIG. 5 operates, and based on the “deposit / withdrawal item forecast information 114” of FIG. 5, the funding forecast information (for example, a future profit and loss statement, etc.) is generated. It is generated and stored in the “financing forecast information storage unit 121” in FIG.

Next, the process proceeds to ST14. In ST14, the “finance limit information generation unit (program) 122” of FIG. 6 operates, and the A-food and drink A is based on the future cash flow forecast information such as the future profit and loss statement in the “fund forecast information storage unit 121” of FIG. For example, financing limit information (credit information), which is financing limit information of a store, is generated and stored in the "financing limit information storage unit 123" in FIG.
As described above, since the credit information of the restaurant A has been generated, the information of the loan amount in Z pay will be generated below.

First, in ST15 in FIG. 12, the "Z-pay loan limit information generation unit (program) 124" in FIG. 6 operates and is stored in the "Z-pay etc. account storage unit 56" in FIG. Acquisition and use status of past Z pay, Z points, etc. in “Z pay etc. account information” of the restaurant A is acquired.
For example, 3 months ago: 1 million pay, 2 months ago: 600,000 points, 1 month ago: 800,000 pay, etc.

In addition, the generation unit 124 reads the “Z-pay basic calculation formula” (for example, “((3 months before Z-pay and / or points + 2 months before)” in the “Z-pay basic calculation formula storage unit 125” in FIG. Z pay and / or points + 1 month ago Z pay and / or points) 又 は 3) × 0.8 etc.))), the above figures (3 months before: 1 million pay, 2 months ago: 60) Ten thousand points, one month ago: 800,000 pay) is substituted, and Z-pay loan limit information (for example, 640,000 pay) is generated and stored in the “Z-pay loan limit information storage unit 131” in FIG.
As described above, the basic Z-pay loan limit information is generated. In the present embodiment, the information is modified as follows.

First, in ST16, the “Z-pay loan limit information generation unit (program) 132” of FIG. 7 operates, and refers to the business type renewal period information of the “business type renewal period information storage unit 133” of FIG.
In the industry renewal period information, for example, the restaurant business is set to one month, the general retail business is set to three months, and the manufacturing industry is set to six months.
This period is a general reimbursement period depending on the type of business, and in the present embodiment, the loan amount is modified in consideration of the difference in the rehabilitation period depending on the type of business.

Next, the generation unit 132 corrects the “Z-pay loan limit (for example, 640,000 pay, etc.)” according to the type of business to be financed (A restaurant is a restaurant business, so it is one month). Other financing limit correction information, for example, 640,000 × one month = 640,000 pays, is generated and stored in the “industry-specific financing limit correction information storage unit 134” in FIG.
As described above, in the present embodiment, it is possible to provide an appropriate amount of Z-pay which matches the business type of the borrower such as Restaurant A.

Next, in the present embodiment, the value of the reward pay is determined in the following steps in order to provide a reward pay that does not need to be repaid to the restaurant A in order to lend Z pay instead of cash.
In ST17, the “reward Z pay additional information generation unit (program) 141” in FIG. 8 operates, and refers to the “reward storage unit 135” in FIG.
In the “reward storage unit 135”, information of, for example, 10% is stored as a reward pay.

For this reason, the generation unit 141 generates “reward Z-pay additional information (644,000 pay) based on the industry-specific loan limit correction information (640,000 pay) in the“ industry loan limit correction information storage unit 134 ”of FIG. Is added to the financing limit correction information by industry (640,000 pay) in the “finance limit correction information by industry storage unit 134” to generate reward Z-pay additional information (704,000 pay).
Then, it is stored in the “reward Z pay additional information storage unit 142” in FIG.
As described above, the total amount of Z-pay loaned to Restaurant A is determined.

Next, the process proceeds to ST18. In ST18, the “Z-pay interest rate information generation unit (program) 143” in FIG. 8 operates, and “Z-pay interest rate information” in the “Z-pay interest rate information storage unit 144” in FIG. Refer to 1% etc.
Then, based on the Z-pay loan interest rate information, the repayment rate for restaurant A is determined and stored in the “repayment rate information storage unit 151” in FIG.

Next, the process proceeds to ST19. In ST19, the loan data management device 10 transmits the “reward pay additional information storage unit 142” in FIG. 8, the “industry-based loan limit correction information storage unit 134” in FIG. 7, and the “Z-pay loan interest information storage unit 144” in FIG. ".
Then, the device 10 displays, on the A-restaurant management device 3 of the A-restaurant, for example, the POS terminal of the A-restaurant, financing conditions that are guidance for Z-pay financing.
Specifically, a total of 704,000 Z-pay, a required repayment of 640,000 Z-pay, a loan interest rate.

  Next, the process proceeds to ST20. In ST20, when data of “finance application” is input from the user to the POS terminal of the restaurant management device A, the device 3 transmits the data to the loan data management device 10.

  Next, the process proceeds to ST21. In ST21, the loan data management device 10 transmits to the "Z-Pay etc. management device 50" in order to confirm with Company Z whether or not to accept the loan application.

Next, the process proceeds to ST22. In ST22, when the data of “finance approval” is input from the company Z to the Z-Pay etc. management device 50, the Z-Pay of the restaurant A in the “Z-Pay etc. account storage unit 56” of the “Z-Pay etc. management device 50”. "Loan Z Pay Balance" of the account, etc., loan limit correction information by industry (640,000 pay), "Loan Z Pay Total", reward Z Pay additional information (704,000 pay), "Loan Rate", repayment interest rate information (-1% of cash interest rate) is registered.
Thus, the Z-pay automatic financing process is completed, and the financing information is recorded in the “Z-Pay etc. account storage unit 56”.

  In this way, Z-pay is loaned to stores and the like, not general customers who come to stores, etc., and the restaurant A purchases vegetables and the like from the greengrocer B in FIG. 1 with the loaned Z-pay. , The use of Z-Pay is promoted and more widely used.

In the present embodiment, the Z-pay loan limit information is obtained by multiplying a predetermined period in the past, for example, an average of three months by 0.8 or the like in the basic formula for Z-pay loan in FIG. However, the present invention is not limited to this, and the calculation may be performed as follows.
For example, a value obtained by multiplying, for example, 0.8 by a value of a month in which acquisition of the number of Z pays and / or Z points for three months is the minimum is set as the Z pay loan limit information.

(About Z-Pay automatic repayment process)
Next, the step of automatic repayment of the Z-pay financed in the above steps will be described.
In the present embodiment, an example will be described in which the individual X1 or the like makes an automatic repayment after paying at the restaurant A using his / her own “prepaid card”.
When the individual X1 or the like pays the restaurant A with “Z pay” and / or “Z point”, the “Z pay” or “Z point” is changed to “Z pay or the like” as described above. The account is transferred from the Z-pay account of the individual X1 of the management device 50 to the Z-pay account of the restaurant A and stored in the Z-pay account of the A restaurant.
Further, “Z pay” and “Z point” are converted into cash from Z pay and the like on the settlement day of each month, and the cash is transferred to the bank account of the bank server 2 of FIG.
This step is, for example, a step of automatically repaying the Z-pay loaned on the settlement day of every month.
The details will be described below.

FIG. 15 is a schematic flowchart showing a process of automatic repayment of a loaned Z pay.
First, in ST31 of FIG. 15, the “Z-pay etc. management device 50” determines whether or not the monthly closing date has arrived for the restaurant A receiving the Z-pay loan.
If it is determined in ST32 that it has arrived, the process proceeds to ST33. In ST33, the “Z-pay etc. management device 50” requests the “loan data management device 10” to calculate a “Z-pay amount” for “automatic Z-pay repayment”.

  Next, the process proceeds to ST34. In ST34, the “basic repayment Z-pay amount generation unit (program) 152” of FIG. 9 of the loan data management device 10 operates, and “A” in the “Z-pay etc. account storage unit 56” of the “Z-pay etc. management device 10”. The “basic repayment Z-pay amount” in FIG. 9 is obtained by calculating the “basic repayment Z-pay amount” for the current month by referring to the “loan Z-pay balance” and the “loan interest rate” of the restaurant Z-pay account. 153 ”.

  Next, the process proceeds to ST35. In ST35, for example, the “repayment Z pay amount validity determination unit (program) 154”, which is the validity determination unit in FIG. With reference to the funding prediction information such as a letter and the “basic repayment Z-pay amount storage unit 153” in FIG. 9, whether the “basic repayment Z-pay amount” is appropriate, for example, whether the restaurant A does not run out of funds. It is determined whether or not.

Then, in ST36, if it is determined that the “basic repayment Z-pay amount” is the final repayment Z-pay amount in ST37, the “basic repayment Z-pay amount” is determined as “final repayment Z-pay amount” in FIG. Forehead storage unit 161 ".
That is, the “basic repayment Z-pay amount” is stored as it is as the “final repayment Z-pay amount”.

  On the other hand, if a shortage of funds or the like occurs in ST36 and it is determined that the value is not appropriate, the process proceeds to ST38. In ST38, the “final repayment Z-pay amount” is calculated by subtracting the “basic repayment Z-pay amount” within a range that does not cause a shortage of funds, and stored in the “final repayment Z-pay amount storage unit 161” in FIG.

  As described above, in the present embodiment, the business owner of the restaurant A automatically adjusts the repayment amount to an appropriate amount so as not to perform excessive repayment, so that the repayment is automatically set to an appropriate range. be able to. Therefore, it is possible to prevent the restaurant A or the like from falling into a shortage of funds.

  Next, the process proceeds to ST39. In ST39, the “finance data management device 10” transmits “final repayment Z-pay amount” data to the “Z-pay etc. management device 50”.

  Next, the process proceeds to ST40. In ST40, the “payment amount generation unit (program) 57” of FIG. 3 of the “Z-pay etc. management device 50” operates, and the “final repayment Z-pay amount storage unit 161” of FIG. 10 of the “loan data management device 10”. Of the final repayment of Z-Pay, and “Z-Pay” corresponding to that amount is stored in “Z-Pay etc. account storage unit 56” of FIG. Determine if it exists in the account. Specifically, the “current Z pay” of the account is referred to.

Then, in ST41, when it is determined that “Z pay” corresponding to the final repayment Z pay amount does not exist in the account such as the Z pay of the restaurant A, the process proceeds to ST42.
In ST42, the generation unit 57 operates to refer to the "current number of Z points" of the account such as the Z pay of the restaurant A, convert the "number of Z points" to "the amount of Z pay", and To the “pay amount”.

As described above, in the present embodiment, even if the Z-pay balance is insufficient, “Z points” and the like are automatically converted to Z-pay and used for repayment. Be executed.
In addition, when the Z-pay amount is insufficient, Z points are automatically allocated to repayment, so that occurrence of a situation in which repayment is delayed can be prevented.

Next, the process proceeds to ST43. In ST43, the generation unit 57 sets “final repayment Z pay amount” as “repayment amount data”, subtracts “repayment amount data” from the payment amount to the restaurant A on the settlement date of this month, and outputs Send money to your bank account.
In addition, the “Z-pay amount” corresponding to the “repayment amount data” is subtracted from the “Z-pay balance” of the “Z-pay etc. account” of the restaurant A in FIG. If there is, a process of subtracting it from the "current number of Z points" is performed.

  This completes the automatic repayment of the Z-pay loan. As described above, in the present embodiment, since the “Z-pay etc. management device 50 and the loan data management device 10 of Company Z have almost completely grasped the electronic currency such as Z-pay and the balance of points, etc., The repayment can be reliably executed without causing a delay or the like.

(About the first modification of the Z-pay automatic repayment process)
The step of automatic repayment of Z-pay of the present invention is not limited to the above-described step of the present embodiment, but may be the following step.
Many of the steps of the present modified example are the same as the above-mentioned "step of automatic repayment", and therefore the following description will focus on the differences.

When the restaurant A in FIG. 1 purchases products such as vegetables from the greengrocer B store, it pays with "Z pay".
At this time, specifically, the card data reader connected to the B greengrocer store management device 4 acquires the information of the "prepaid card 7" of the restaurant A, and transfers the information to the "financing data management device 10". Send.
When the restaurant A uses “Z-pay” for payment to the greengrocer B, the Z-pay is stored in the restaurant A in the Z-pay etc. account storage unit 56 of FIG. Is transferred from the Z-Pay account of B to the Z-Pay account of the B grocery store.

  At this time, since the restaurant A used “Z-pay”, when “Z-point” and “Z-pay” of the service were newly given by the company Z as a service, the “Z-pay” and “Z-point” were plotted. 3 is registered in the Z-Pay account of the restaurant in the "Z-Pay account storage unit 56", but the newly granted "Z pay" or "Z point" is not registered. You can offset them.

(About the second modification of the Z-pay automatic repayment process)
The step of automatic repayment of Z-pay of the present invention is not limited to the above-described steps of the present embodiment and the first modification, but may be the following steps.
Many of the steps of the present modified example are the same as the above-mentioned "step of automatic repayment", and therefore the following description will focus on the differences.

When the individual X1 or the like makes a payment with the “credit card” issued by the company Z at the restaurant A, the payment amount may be a part of the repayment of the “Z pay” of the restaurant A.
Specifically, the “Z pay amount” corresponding to the “amount” settled by the credit card is offset from the “repayment amount”.

(About optional repayment process)
FIG. 17 is a schematic flowchart showing the optional repayment process.
For example, if restaurant A wants to repay with a pay or point other than "Z pay" or "Z point" on the repayment date of "finance pay" or cash, etc., the following process is performed. Is done.

First, in ST51, information indicating that the restaurant A will provide another “Y point” or “cash” instead of “Z pay” on the next repayment date is transmitted from the restaurant management device 3 to the “financing data”. Management device 10 ".
Next, the process proceeds to ST52. In ST52, the “financing data management device 10” transmits a payment method such as “Y point” or “cash” to the restaurant A, and the received restaurant A executes payment according to the payment method. I do.

  Next, the process proceeds to ST53. In ST53, the “Z-pay conversion processing unit (program) 162” of FIG. 10 of the “loan data management device 10” operates, and “converted Z-pay” corresponding to “Y point” and “cash” paid by the restaurant A. Amount ”is calculated and stored in the“ converted Z pay amount storage unit 163 ”in FIG.

Next, the process proceeds to ST54. In ST54, the “financing data management device 10” transmits the converted Z-pay amount to the “Z-pay etc. management device 50”.
Next, the process proceeds to ST55. In ST55, the "Z-Pay etc. management device 50" translates the received "converted Z-Pay amount" into the "Z-Pay etc. account" of the restaurant A in the "Z-Pay etc. account storage unit 56" of FIG. Balance ".
Thereby, the “credit information” of the restaurant A is updated.

Thus, the repayment process using other companies' pay or points other than Z pay or cash or the like is completed.
As described above, the financing management system 1 such as Z-pay of the present invention has a configuration that is easy for the user to use.

(About the process of freezing accounts such as Z-Pay)
Next, a description will be given of a process of freezing an account such as Z-Pay at Restaurant A.
FIG. 18 is a schematic flowchart showing a process of freezing an account such as Z-Pay.
First, in ST1 of FIG. 18, the “repayment delay determining unit (program) 58” of FIG. 3 of the “Z-pay etc. management device 50” operates, and the restaurant A of the “Z-pay etc. account storage unit 56” of FIG. It is determined whether the repayment of the loan has been delayed for a predetermined number of times and / or a predetermined amount of the Z-pay in the Z-pay account.

If it is determined in ST62 that it is behind, the process proceeds to ST63. In ST63, "account frozen" is registered in the Z-Pay etc. account of the restaurant A in the "Z-Pay etc. account storage unit 56" of FIG. 3, and the credit information is changed.
Next, the account freezing is notified to the restaurant management apparatus 3 that is the owner of the corresponding point account.
With the above, the freezing process of the account such as the Z pay of the restaurant A is completed.

  In the present embodiment described above, the case where the present invention is realized as an apparatus has been described as an example. However, the present invention is not limited to this, and a magnetic disk (floppy (registered) (Trademark) disk, hard disk, etc.), optical disk (CD-ROM, DVD, etc.), magneto-optical disk (MO), semiconductor memory, and other storage media.

  The storage medium may be any storage medium that can store the program and that can be read by a computer. The storage format of the storage medium is not particularly limited.

  Also, an OS (Operating System) running on the computer based on an instruction of a program installed in the computer from the storage medium, MW (Middleware) such as database management software, network software, etc. realize the present embodiment. May be partially executed.

  Further, the storage medium in the present invention is not limited to a medium independent of a computer, but also includes a storage medium in which a program transmitted via a LAN, the Internet, or the like is downloaded and stored or temporarily stored.

  The computer according to the present invention only needs to execute each process according to the present embodiment based on a program stored in a storage medium, and may be a device such as a single personal computer or a plurality of devices connected to a network. System or the like.

  Further, the computer in the present invention is not limited to a personal computer, but also includes an arithmetic processing unit, a microcomputer, and the like included in an information processing device, and is a general term for a device and a device capable of realizing the functions of the present invention by a program. ing.

  The embodiment of the invention has been described. However, the present invention is not limited to the above embodiment, and various changes can be made without departing from the scope of the claims. The configuration of the above embodiment can be partially omitted or arbitrarily combined so as to be different from the above.

Further, in the present embodiment, an example has been described in which the “finance data management device” processes information relating to the loan of “Z pay”. However, the present invention is not limited to this, and other “points” and other “points” and “ The management of the financing information related to “pay” is also included.
Further, the “financing data management device 10” may be capable of managing another different point, another pay, cash, or the like.
Further, in the present embodiment, the description has been made on the assumption that the loan and the repayment are mainly “Z-pay” and “Z-points” are subordinates. However, “Z-points” may be the main and “Z-pays” may be subordinate.
Then, "Z-pay" and "Z-point" may be executed in combination for financing and repayment.

1 ... Payment management system such as Z pay, 2 ... Bank server, 3 ... A restaurant management device, 4 ... B greengrocer store management device, 5 ... Internet network, 6 ... Card Reader reader, 7: prepaid card, 10: loan data management device, 11: loan data management side control unit, 12: loan data management side communication device, 13: loan data management side Display, 14 ... loan data management side input device, 50 ... Z pay etc. management device, 51 ... Z pay etc. management device side control unit, 52 ... Z pay management device side communication device, 53 ... ..Z-Pay etc. management device side display, 54 ... Z-Pay etc. management device-side input device, 55 ... Z-Pay etc. management device-side various information storage unit, 56 ... Z-Pay etc. account storage unit, 57 ... Payment amount generator, 58 ... Payment delay Cutting unit, 110: first various information storage units on the loan data management side, 111: item information extraction unit, 112: item information storage unit, 113: deposit / withdrawal item prediction information generation unit, 114 ··· Deposit and withdrawal item prediction information storage unit, 115 ··· Cash flow prediction information generation unit, 120 ··· Loan data management side second various information storage units, 121 ··· Cash flow prediction information storage unit, 122 ··· -Loan limit information generation unit, 123 ... Loan limit information storage unit, 124 ... Z-pay loan limit information generation unit, 125 ... Z-pay basic loan formula storage unit, 130 ... Loan data Management-side third various information storage unit, 131: Z-pay loan limit information storage unit, 132: Z-pay loan limit information generation unit, 133: business type renewal period information storage unit, 134: business type Separate loan limit correction information storage unit, 13 ... Reward storage unit, 140 ... Fourth various information storage unit on the loan data management side, 141 ... Reward Z pay additional information generation unit, 142 ... Reward Z pay additional information storage unit, 143 ... · Z pay loan interest information generation unit, 144 ··· Z pay loan interest information storage unit, 150 · · · loan data management side fifth various information storage unit, 151 · · · repayment interest information storage unit, 152 · · · · A basic repayment Z-pay amount generation unit, 153, a basic repayment Z-pay amount storage unit, 154, a repayment Z-pay amount validity determination unit, 160, a sixth various information storage unit on the loan data management side; 161: Final repayment Z pay amount storage unit, 162: Z pay conversion processing unit, 163: Converted Z pay amount storage unit

Claims (7)

A group-issued non-cash settlement means management device for managing a group-issued non-cash settlement means which is a non-cash settlement means whose usage history is recorded, issued by a specific organization, and whose use history is limited,
It said to the organization issued a non-cash payment means to provide the location of the employer customers to provide at least one of the items及beauty Auditor Tsutomu available, to manage the loan information that was financing the organization issued a non-cash settlement means A storage unit for storing the business owner's account that manages the group-issued non-cash settlement means that the business owner receives from the user at the providing place ,
In addition, it has a configuration that previous article employers to process the repayment on the basis of the loan information from the account of the employer for storing the organization issued a non-cash settlement means received from the user,
Upon financing, generate cash flow forecast information including a future profit and loss statement based on financial institution transaction information including deposits and withdrawals of the employer,
Based on the cash flow forecast information, generate the loan limit information of the group issued non-cash settlement means,
Additionally, organizations issuing non-cash payment means management device which is characterized that you generate a modified loan limit information that fixes the loan limit information based on information including the reimbursement period information industries information the providing place belongs. 2. The non-cash settlement unit management device according to claim 1 , wherein information on the non-cash settlement unit issued by the remuneration group that does not need to be repaid by the employer is generated based on the modified loan limit information . 3. Based on the funding prediction information, the value of the predetermined group-issued non-cash settlement means allotted to repayment of the loan, has a repayment validity determination unit to determine whether it is appropriate,
When the value of the predetermined group-issued non-cash settlement means is determined to be invalid by the repayment validity determination unit, the value of the predetermined group-issued non-cash settlement means is modified. The non-cash settlement unit management device issued by an organization according to claim 1 or claim 2.   The repayment validity determination unit is characterized in that it is configured to determine whether or not the value of the predetermined group-issued non-cash settlement means is highly likely to cause a shortage of funds to the business owner of the providing place. The group-issued non-cash settlement means management device according to claim 3.   5. The group-issued non-cash settlement means includes a group-issued electronic currency, which is an electronic currency issued by a group, and a group-issued point, which is a point issued by the group. The group-issued non-cash settlement means management device according to any one of the preceding claims. It is issued by a specific organization, its use is limited, and its use history is recorded. The control method of the group-issued non-cash settlement means management device that manages the group-issued non-cash settlement means, which is a non-cash settlement means. So,
The organization issued a non-cash payment means management device, said to the organization issued a non-cash payment means to provide the location of the employer customers to provide at least one of the items及beauty Auditor Tsutomu available for use, the organization issued a non Along with managing the financing information for financing the cash settlement means, the business owner stores in the storage unit the account of the business owner that manages the group-issued non-cash payment means received from the user at the providing place ,
In addition, to process the repayment on the basis of the loan information from the employer's account that the previous article employer is to store the organization issued a non-cash settlement means received from the user,
Upon financing, generate cash flow forecast information including a future profit and loss statement based on financial institution transaction information including deposits and withdrawals of the employer,
Based on the cash flow forecast information, generate the loan limit information of the group issued non-cash settlement means,
Additionally, organizations issuing non-cash payment means management, characterized in that has a structure that generates the correction of credit information to modify the loan limit information based on information including the reimbursement period information industries information the providing place belongs How to control the device. Issued by a specific business entity, its use is limited, and the use history is recorded in a group-issued non-cash settlement means management device that manages a group-issued non-cash settlement means that is a non-cash settlement means,
It said to the organization issued a non-cash payment means to provide the location of the employer customers to provide at least one of the items及beauty Auditor Tsutomu available, to manage the loan information that was financing the organization issued a non-cash settlement means Together with a function of storing the business owner's account in the storage unit that manages the group-issued non-cash settlement means that the business owner receives from the user at the providing location ,
In addition, functions before article employers to process the repayment on the basis of the loan information from the account of the employer for storing the organization issued a non-cash settlement means received from the user,
Upon financing, a function of generating cash flow forecast information including a future profit and loss statement based on financial institution transaction information including deposits and withdrawals of the employer,
A function of generating loan limit information of the group-issued non-cash settlement means based on the funding prediction information;
Further, a non-cash payment means management program issued by an organization for realizing a function of generating modified loan limit information obtained by modifying the loan limit information based on information including the advance period information of the type of business information to which the providing place belongs .

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