JP6650688B2 - Withdrawal processing device and withdrawal processing method - Google Patents

Description

  The present invention relates to a withdrawal processing device and a withdrawal processing method.

  Recently, with the spread of the Internet, service providers using the Internet are widely provided by service providers. For example, as represented by a net bank, financial services such as deposit management and asset management have also been provided to customers via the Internet. In particular, financial service providers are trying to develop their own services to differentiate themselves from competitors.

  For example, Patent Document 1 discloses a payment system in which, when a customer having a foreign currency account pays a foreign currency using a credit card in a foreign country, the amount of use of the credit card is deducted from the foreign currency account instead of the home currency account. Is described. If the credit card used in a foreign country is deducted from the account in the home currency, the customer will bear the conversion cost between the foreign currency and the home currency. On the other hand, the payment system is advantageous to the customer in that the cost to be paid by the customer can be reduced.

  However, in the above-mentioned settlement system, when the balance in the foreign currency account is insufficient for the amount of use of the credit card, the amount of use of the credit card is processed as unsettled. As a result, for example, a case is assumed in which a burden is imposed on the customer due to a shortage of the balance of the deposit account in the currency to be settled, for example, a delinquent fee for settlement is generated. Therefore, Patent Document 2 discloses a withdrawal processing method in which a shortage of a foreign currency account deposit balance is compensated for from a deposit account in a home currency in order to suppress the possibility of imposing a burden on a customer due to a shortage of the balance of a deposit account in a settlement target currency. Is disclosed.

JP 2001-229247 A JP 2009-238104 A

  However, since there is a difference between the time of using the credit card and the time of settlement for the usage amount, the exchange rate may fluctuate between the time of using the credit card and the time of settlement. Therefore, when a credit card is used, if a part or all of the usage amount is converted according to the exchange rate between a plurality of currencies, a risk due to a change in the exchange rate (hereinafter, also simply referred to as “exchange risk”) .) May be given to the customer.

  Therefore, the present invention has been made in view of the above-described problems, and an object of the present invention is to suppress the possibility of imposing a burden on the customer and to suppress the currency exchange risk given to the customer. Another object of the present invention is to provide a new and improved withdrawal processing apparatus and method.

  In order to solve the above problem, according to one aspect of the present invention, a communication unit that receives a withdrawal request including a first withdrawal amount according to a price of the commodity in a predetermined debit currency transmitted at the time of a commodity purchase request. And a part or all of the first withdrawal amount is a conversion target amount, and a compensation amount in a predetermined compensation currency converted by a rate at the time of receiving the withdrawal request is compensated for in a deposit account balance of the withdrawal currency; A withdrawal processing unit for performing a withdrawal process from the deposit account balance of the withdrawn currency, and after the withdrawal processing by the withdrawal processing unit, a product purchase completion indicating that the purchase of the product has been completed in response to the product purchase request A withdrawal processing device comprising: a notifying unit for notifying a notification.

  The withdrawal processing device includes a compensation determination unit that determines whether or not the balance account balance of the compensation currency is insufficient for the compensation amount, and the withdrawal processing unit determines that the balance account balance of the compensation currency is If there is no shortage for the compensation amount, the compensation amount may be compensated for from the deposit account balance of the compensation currency to the deposit account balance of the debit currency.

  The withdrawal processing device includes a withdrawal determination unit that determines a shortage of the deposit account balance of the withdrawal currency with respect to the first withdrawal amount, wherein the withdrawal processing unit determines the insufficiency with the replenishment currency at the rate. The amount may be converted into the compensation amount.

  The withdrawal request includes a second withdrawal amount in a predetermined base currency, and the withdrawal processing unit, if a deposit account of the withdrawal currency has been opened, the deposit account of the withdrawal currency after the compensation. The second withdrawal amount may be subtracted from the balance of the deposit account in the reference currency if the deposit process is performed from the balance and the deposit account in the withdrawal currency has not been opened.

  The withdrawal processing unit subtracts the first withdrawal amount from the withdrawal currency deposit account balance, and calculates a predetermined automatic transfer amount calculated according to the first withdrawal amount from the withdrawal currency deposit account balance. The transfer may be made to an automatic transfer destination deposit balance associated with the deposit account in the debit currency.

  The debit processing unit calculates a multiplied amount obtained by multiplying the first debit amount by a predetermined rate or a difference amount of the first debit amount with respect to a predetermined reference amount as the automatic transfer amount. May be.

  According to another embodiment of the present invention, there is provided, in order to solve the above-described problem, receiving a withdrawal request including a first withdrawal amount corresponding to a price of the commodity in a predetermined withdrawal currency transmitted at the time of the commodity purchase request. A communication unit that performs a debit currency type, and a determination unit that determines the type of the debit currency. When the debit currency is determined to be a predetermined first currency, a part or all of the first debit amount is converted. As the compensation amount by the predetermined compensation currency converted by the rate at the time of receiving the withdrawal request, compensate the deposit account balance of the withdrawal currency, perform a withdrawal process from the account account balance of the withdrawal currency after compensation, When it is determined that the debit currency is a predetermined second currency, a predetermined automatic transfer amount calculated according to the first debit amount is calculated from the debit currency deposit account balance to the debit currency deposit account. Automatic migration associated with A debit processing unit that shifts to a deposit balance and performs a debit process from the deposit account balance of the debit currency, and indicates that the purchase of the product has been completed in response to the product purchase request after the debit process by the debit processing unit. A withdrawal processing device is provided that includes a notification unit that notifies a product purchase completion notification.

  According to another embodiment of the present invention, there is provided, in order to solve the above-described problem, receiving a withdrawal request including a first withdrawal amount corresponding to a price of the commodity in a predetermined withdrawal currency transmitted at the time of the commodity purchase request. And replenishing the reimbursement amount in the predetermined reimbursement currency converted by the rate at the time of receiving the withdrawal request into the deposit account balance of the withdrawal currency, with a part or all of the first withdrawal amount being a conversion target amount. Performing a withdrawal process from the deposit account balance of the debit currency after the compensation, determining whether the deposit account balance of the compensation currency is insufficient for the compensation amount, and If the balance of the deposit account is not short of the reimbursement amount, a notification that purchase is possible at the time of the product purchase request is provided.

  As described above, according to the withdrawal processing device and the withdrawal processing method of the present invention, it is possible to suppress the exchange risk given to the customer while suppressing the possibility of imposing a burden on the customer.

FIG. 4 is an explanatory diagram showing a flow of settlement by a debit card. FIG. 3 is a block diagram illustrating a hardware configuration of a bank server. FIG. 2 is a functional block diagram showing a configuration of a bank server according to the embodiment of the present invention. It is explanatory drawing which showed the structural example of a customer information DB, a yen deposit information DB, and a foreign currency deposit information DB. It is explanatory drawing which showed the relationship of the stage determination date and the application date of a determination result. FIG. 9 is an explanatory diagram showing an example of a stage determination table. It is explanatory drawing which showed the relationship between a customer stage and exchange cost. FIG. 9 is an explanatory diagram showing a specific example of a payment process performed by a payment processing unit and a compensation determination unit. FIG. 9 is an explanatory diagram showing a specific example of a payment process performed by a payment processing unit and a compensation determination unit. FIG. 9 is an explanatory diagram showing a specific example of a payment process performed by a payment processing unit and a compensation determination unit. FIG. 9 is an explanatory diagram showing a specific example of a payment process performed by a payment processing unit and a compensation determination unit. FIG. 9 is an explanatory diagram showing a specific example of a payment process performed by a payment processing unit and a compensation determination unit. It is a figure showing an example of a setting screen of various setting values concerning an automatic shift function. FIG. 7 is a diagram for explaining a fixed amount method (rounding up unit = 100 yen) as an example of an automatic transfer function method; FIG. 7 is a diagram for explaining a constant rate method (round-up rate = 5%) as an example of a method of an automatic transfer function. FIG. 11 is a diagram illustrating an example of an update history of various setting values according to an automatic transition function. It is a figure showing the example of composition of a settlement demand. It is a flow chart which showed a flow of a basic operation of operation of a bank server concerning an embodiment of the present invention. It is a flow chart which showed a flow of a basic operation of operation of a bank server concerning an embodiment of the present invention. 6 is a flowchart showing a flow of an operation of the bank server according to the embodiment of the present invention. 6 is a flowchart showing a flow of an operation of the bank server according to the embodiment of the present invention. 6 is a flowchart showing a flow of an operation of the bank server according to the embodiment of the present invention. 6 is a flowchart showing a flow of an operation of the bank server according to the embodiment of the present invention.

  Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the specification and the drawings, components having substantially the same function and configuration are denoted by the same reference numerals, and redundant description is omitted.

In addition, the “Best Mode for Carrying Out the Invention” will be described according to the following item order.
[0] Background [1] Outline of payment by credit card [2] Bank server according to embodiment of the present invention [2-1] Hardware configuration of bank server according to embodiment of the present invention [2-2] Book Function of bank server according to embodiment of the present invention [2-3] Operation of bank server according to embodiment of the present invention [3] Summary

[0] Background Recently, with the spread of the Internet, service providers using the Internet are widely provided by service providers. For example, as represented by a net bank, financial services such as deposit management and asset management have also been provided to customers via the Internet. In particular, financial service providers are trying to develop their own services to differentiate themselves from competitors.

  For example, Japanese Patent Application Laid-Open No. 2001-229247 discloses that, when a customer having a foreign currency account pays a foreign currency using a credit card in a foreign country, the amount of use of the credit card is reduced to a foreign currency account instead of an account in the home currency. It describes a payment system that is debited from. If the credit card used in a foreign country is deducted from the account in the home currency, the customer will bear the conversion cost between the foreign currency and the home currency. On the other hand, the payment system is advantageous to the customer in that the cost to be paid by the customer can be reduced.

  However, in the above-mentioned settlement system, when the balance in the foreign currency account is insufficient for the amount of use of the credit card, the amount of use of the credit card is processed as unsettled. As a result, for example, a case is assumed in which a burden is imposed on the customer due to a shortage of the balance of the deposit account in the currency to be settled, for example, a delinquent fee for settlement is generated. Japanese Patent Application Laid-Open No. 2009-238104 discloses that in order to suppress the possibility that a shortage of the balance of the deposit account in the settlement target currency imposes a burden on the customer, the shortage of the balance of the foreign currency account is compensated from the deposit account in the home currency. A withdrawal processing method is disclosed.

  However, since there is a difference between the time of using the credit card and the time of settlement for the usage amount, the exchange rate may fluctuate between the time of using the credit card and the time of settlement. Therefore, when a credit card is used, if a part or all of the usage amount is converted between a plurality of kinds of currencies in accordance with the exchange rate, there is a possibility that exchange risk may be given to the customer.

  In view of the circumstances in the background art, the embodiment of the present invention will mainly describe a technique capable of suppressing the exchange risk given to the customer while suppressing the possibility of imposing a burden on the customer. . Specifically, a case will be described in which a credit card that causes a time lag between the time of use of a card and the time of settlement is used, but the case of using a debit card with immediacy from the time of use of the card to the time of settlement.

[1] Outline of Payment by Debit Card First, payment with a debit card will be schematically described with reference to FIG.

  FIG. 1 is an explanatory diagram showing a flow of settlement by a debit card. More specifically, FIG. 1 shows the flow of settlement by a customer, a debit card card company, a member company of the card company, and a financial institution that manages the customer's deposit account.

(Step S1)
First, the customer pays money as necessary to the account managed by the financial institution, considering that the usage amount is deducted from the account when using the debit card. Here, when a debit occurs in a foreign currency, the customer may purchase a foreign currency from a part of the yen deposit in the yen deposit account, and allocate the purchased foreign currency to the foreign currency account. In this case, the customer usually purchases foreign currency at an exchange rate that includes exchange costs incurred by trading at financial institutions such as banks. The exchange cost and exchange rate will be described later with reference to FIG.

(Step S2)
Subsequently, the customer requests a product or service from the member store and pays for the product or service using a debit card. It should be noted that the customer may go directly to the member store to pay for the debit card, or may pay for the debit card via the Internet. Also, the member store may be, for example, a merchandise seller that sells merchandise, a travel agency that provides accommodation and transportation reservation services, an educational agency that provides educational services, and a content distribution that provides a content distribution service such as music and video. It may be a company or a security company that provides security services in preparation for abnormal situations.

(Steps S3 and S4)
Next, the member store transfers the information recorded on the debit card used by the customer to the card company via the debit card inquiry network. The card company confirms the validity of the debit card and inquires the customer's credit balance based on the information received from the member store. If there is no problem with the debit card, the card company permits payment of the payment by the debit card at the member store.

  Thereafter, the member store inputs information on payment by the debit card from the debit card terminal and transmits the information to the card company. In addition, the card company deposits the amount obtained by subtracting the card company fee from the usage amount of the debit card into the bank account specified by the member store.

(Step S5)
Then, the card company requests the financial institution to perform a transfer process (withdrawal process, settlement process) of the debit card usage amount from the customer's account to the account designated by the card company. The financial institution performs transfer processing of the debit card usage amount in response to a request from the card company. Details of the transfer process will be described in “[2] Bank server according to embodiment of the present invention”.

(Step S6)
Thereafter, when the transfer processing of the debit card usage amount is completed, the financial institution notifies the customer and the card company that the transfer processing is completed. The settlement by the debit card is completed according to the series of steps S1 to S6 described above. When a debit card is used, the processing from step S3 to step S6 is performed immediately as compared with the case where a credit card is used.

[2] Bank server according to an embodiment of the present invention Next, with reference to FIGS. 2 to 23, the present invention is applied as an example of a debit processing device provided in a financial institution to execute the transfer processing (settlement processing). The bank server 20 according to the embodiment will be described.

[2-1] Hardware Configuration of Bank Server According to Embodiment of the Present Invention FIG. 2 is a block diagram showing a hardware configuration of bank server 20. The bank server 20 includes a CPU (Central Processing Unit) 201, a ROM (Read Only Memory) 202, a RAM (Random Access Memory) 203, a host bus 204, a bridge 205, an external bus 206, an interface 207, It includes an input device 208, an output device 210, a storage device (HDD) 211, a drive 212, and a communication device 215.

  The CPU 201 functions as an arithmetic processing device and a control device, and controls overall operations in the bank server 20 according to various programs. Further, the CPU 201 may be a microprocessor. The ROM 202 stores programs used by the CPU 201, operation parameters, and the like. The RAM 203 temporarily stores programs used in the execution of the CPU 201, parameters that appropriately change in the execution, and the like. These are interconnected by a host bus 204 composed of a CPU bus and the like.

  The host bus 204 is connected to an external bus 206 such as a PCI (Peripheral Component Interconnect / Interface) bus via a bridge 205. Note that the host bus 204, the bridge 205, and the external bus 206 do not necessarily have to be separately configured, and these functions may be mounted on one bus.

  The input device 208 is, for example, an input unit such as a mouse, a keyboard, a touch panel, a button, a microphone, a switch and a lever for an administrator of the bank server 20 to input information, and an input based on an input by the administrator of the bank server 20. An input control circuit that generates a signal and outputs the signal to the CPU 201 is configured. By operating the input device 208, the administrator of the bank server 20 can input various data to the bank server 20 and instruct processing operations.

  The output device 210 includes, for example, a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Display) device and a lamp, and an audio output device such as a speaker and headphones. You. The output device 210 outputs, for example, the reproduced content. Specifically, the display device displays various information such as reproduced video data as text or images. On the other hand, the audio output device converts reproduced audio data and the like into audio and outputs the audio.

  The storage device 211 is a device for storing data configured as an example of a storage unit of the bank server 20 according to the present embodiment. The storage device 211 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, a deletion device that deletes data recorded on the storage medium, and the like. The storage device 211 is composed of, for example, an HDD (Hard Disk Drive). The storage device 211 drives a hard disk and stores programs executed by the CPU 201 and various data. The storage device 211 stores, for example, a customer information DB and a yen deposit information DB, which will be described later.

  The drive 212 is a reader / writer for a storage medium, and is built in or externally attached to the bank server 20. The drive 212 reads information recorded on a removable storage medium 24 such as a mounted magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs the information to the RAM 203.

  The communication device 215 is, for example, a communication interface configured with a communication device or the like for connecting to the communication network 12. The communication network 12 is a wired or wireless transmission path for information transmitted from a device connected to the communication network 12. For example, the communication network 12 is a public line network such as the Internet, a telephone line network, or a satellite communication network, various LANs (Local Area Network) including Ethernet (registered trademark), a WAN (Wide Area Network), and an IP-VPN ( A dedicated line network such as an Internet Protocol-Virtual Private Network may be included. The communication device 215 transmits and receives various data to and from the customer terminal 10 and the card company device 30 via the communication network 12.

[2-2] Function of Bank Server According to Embodiment of the Present Invention The hardware configuration of the bank server 20 according to the present embodiment has been described above with reference to FIG. Subsequently, the functions of the bank server 20 according to the present embodiment will be described with reference to FIGS.

  FIG. 3 is a functional block diagram showing a configuration of the bank server 20 according to the present embodiment. As shown in FIG. 3, the bank server 20 according to the present embodiment includes a communication unit 216, a table management unit 220, a storage unit 230, a customer stage determination unit 240, a payment determination unit 250, and a payment processing unit. 260, a compensation determination unit 270, and a notification unit 280.

  The communication unit 216 is connected to the customer terminal 10 and the card company device 30 provided in the card company via the communication network 12, and has a function as a receiving unit and a transmitting unit. In addition, the communication unit 216 has a function of receiving the debit billing amount from the customer account (hereinafter, also simply referred to as “billing amount”) from the card company device 30. Further, the communication unit 216 has a function of acquiring a reference rate at predetermined intervals from an information providing server that provides a reference rate (exchange rate) described with reference to FIG.

  Although a PC (Personal Computer) is shown as an example of the customer terminal 10 in FIG. 3, the customer terminal 10 includes a mobile phone, a PHS (Personal Handyphone System), a portable music playback device, a portable video processing device, and a PDA. (Personal Digital Assistants), an information processing device such as a home game device, a portable game device, and a home electric device may be used.

  The table management unit 220 manages each DB stored in the storage unit 230. For example, the table management unit 220 creates a customer table for a new customer and registers it in the customer information DB, updates the content of the customer table, or deletes the content as necessary.

(Configuration of each DB)
The storage unit 230 stores arbitrary data such as a customer information DB, a yen deposit information DB, a foreign currency deposit information DB, and a preferential rate DB. Hereinafter, the customer information DB, the yen deposit information DB, and the foreign currency deposit information DB will be described with reference to FIG.

  FIG. 4 is an explanatory diagram showing a configuration example of the customer information DB, the yen deposit information DB, and the foreign currency deposit information DB. As shown in FIG. 4, the customer information DB includes a customer table for each customer, the yen deposit information DB includes a yen deposit table for each customer, and the foreign currency deposit information DB includes a foreign currency deposit table for each customer.

  Further, the customer table includes identification information, customer information, and history information. The identification information is information for identifying a customer registered in the bank server 20, and corresponds to, for example, an account number. The customer information is information about the customer, and may include, for example, information such as the customer's name, age, date of birth, address, telephone number, home PC mail address, occupation, family structure, annual income, and password. Further, the customer information includes information indicating whether the customer has a foreign currency credit card, and a customer stage indicating a degree of customer excellence. The history information includes information before and after updating the customer table. For example, in the history information, the password before the change is recorded when the password is changed, and the address before the change is recorded when the address of the customer is changed.

  In addition, the yen deposit table includes identification information, yen ordinary deposit information, yen time deposit information, automatic transfer destination deposit information, and history information. The identification information is information for identifying the customer, and the bank server 20 can search the yen deposit table of the target customer by referring to the identification information. Yen savings information includes current savings balance information. Further, the yen term deposit information includes, for example, information on the yen term deposit for each contract term such as 1 million yen per year, maturity date, interest rate, and the like. The automatic transfer destination deposit information will be described later in detail. The history information indicates the details of transactions and actions performed by the customer before, and includes, for example, information relating to the deposit / withdrawal amount and date and time of the yen ordinary deposit and the yen time deposit.

  In addition, the foreign currency deposit table includes identification information, foreign currency ordinary deposit information, foreign currency time deposit information, and history information. The identification information is information for identifying the customer, and the bank server 20 can search the foreign currency deposit table of the target customer by referring to the identification information. The foreign currency savings account information includes current savings account balance information. The foreign currency time deposit information includes information on the foreign currency time deposit. The automatic transfer destination deposit information will be described later in detail. The history information indicates the details of transactions and actions performed by the customer before, and includes, for example, information relating to the amount of money deposited and withdrawn and the date and time of the foreign currency ordinary deposit and the foreign currency time deposit.

  When a customer sells a foreign currency and purchases a yen, the table management unit 220 searches the yen deposit table and the foreign currency deposit table including identification information indicating the customer. Then, the table management unit 220 subtracts the amount indicated by the foreign currency savings information included in the foreign currency deposit table, converts the subtracted amount into a yen at the current exchange rate, and includes the converted amount of the yen in the yen deposit table. Is added to the amount indicated by the Yen Savings Information. Further, the table management unit 220 records information such as the date and time and the increase or decrease in the amount of money in the history information included in both the yen deposit table and the foreign currency deposit table.

  In the foreign currency savings information and the foreign currency time deposit information in the foreign currency deposit table, data is recorded for each currency such as dollar or euro. For this reason, the foreign currency ordinary deposit information and the foreign currency time deposit information include an identifier of each country's currency (for example, 1 for US dollars and 2 for euros), and the bank server 20 performs processing related to a specific currency based on the identifiers. be able to.

  The storage unit 230 in which such various DBs are recorded includes a nonvolatile memory such as an EEPROM (Electrically Erasable Programmable Read-Only Memory), an EPROM (Erasable Programmable Read Only Memory), a hard disk and a disk-shaped magnetic body. Magnetic discs, CD-R (Compact Disc Recordable) / RW (ReWritable), DVD-R (Digital Versatile Disc Recordable) / RW / + R / + RW / RAM (Ramdam Access Memory-DemoBridge) Trademark))-R / BD-RE and other optical discs, O may be a storage medium such as a (Magneto Optical) disk.

(About the customer stage)
Further, the customer stage determination section 240 shown in FIG. 3 determines the customer stage and records the determined customer stage in the customer information shown in FIG. Hereinafter, the customer stage will be described with reference to FIGS.

  FIG. 5 is an explanatory diagram showing the relationship between the stage determination date and the application date of the determination result. As shown in FIG. 5, the customer stage determination unit 240 determines the customer stage of each customer, for example, at the end of each month. Specifically, the customer stage determination unit 240 first converts the balance of the customer's foreign currency deposit (including time deposit) into yen. At this time, the customer stage determination unit 240 performs conversion based on the exchange rate on the first day of the determination month. For example, when performing the stage determination on February 29, the customer stage determination unit 240 converts the balance of the foreign currency deposit into yen based on the exchange rate of 2/1. Then, the customer stage determination unit 240 determines the stage corresponding to the total amount of the foreign currency deposit converted into yen based on the stage determination table shown in FIG.

  FIG. 6 is an explanatory diagram showing an example of the stage determination table. As shown in the stage determination table of FIG. 6, “deposit balance of 1,000,000 yen or more and less than 3,000,000 yen” corresponds to the stage 1, and “deposit balance of 3,000,000 yen or more” corresponds to the stage. And “deposit balance of less than 1,000,000 yen” falls outside the stage. FIG. 6 shows a stage determination table based on yen because it is easier to grasp the standard if all foreign currencies held by the customer are unified into one currency.

  Accordingly, when the total value of the foreign currency deposit balance of a certain customer is, for example, 2,000,000 yen, the customer stage determination unit 240 determines that the customer stage of the customer is Stage 1 primarily.

  Furthermore, the customer stage determination unit 240 may give preferential treatment to the customer stage when the customer information includes information that the customer has a foreign currency credit card to which the settlement processing method according to the present embodiment is applied. For example, when the customer has a foreign currency credit card, the customer stage determination unit 240 may determine a stage one rank higher than the primary determination stage as the customer stage. Alternatively, the customer stage determination unit 240 may determine the customer stage by further adding a predetermined amount to the total value of the foreign currency deposit balance.

  The customer stage determined in this way is recorded in the customer information. The customer stage determined at the end of the month will be applied during the next month. For example, the customer stage determined on February 29 is applied from April 1 to April 30 as shown in FIG. In addition, from the viewpoint of returning profits at the bank to the customer, the exchange cost is set to be reduced for the customer having a high foreign currency deposit balance (that is, the profit is returned to the customer who has purchased more foreign currency). Specifically, as shown in FIG. 7, the higher the rank of the customer stage, the higher the exchange cost.

  FIG. 7 is an explanatory diagram showing the relationship between the customer stage and the exchange cost. When the customer stage is outside the stage, the exchange cost shown in the upper part of FIG. 7 is applied. Specifically, an exchange cost of 0.25 yen is set when selling 1 US dollar outside the stage. Therefore, when the reference rate acquired by the communication unit 216 is 107.78, the sale rate is 107.53 yen, which is obtained by subtracting 0.25 yen from the reference rate. Similarly, outside the stage, a foreign exchange cost of 0.25 yen is set when purchasing 1 US dollar. Therefore, when the reference rate is 107.78, the purchase rate is 108.03 yen obtained by adding 0.25 yen from the reference rate.

  On the other hand, in the customer stage 1, an exchange cost of 0.20 yen is set when selling 1 US dollar. Therefore, when the reference rate is 107.78, the sale rate is 107.58 yen, which is obtained by subtracting 0.20 yen from the reference rate. Similarly, in the customer stage 1, an exchange cost of 0.20 yen is set when purchasing 1 US dollar. Therefore, when the reference rate acquired by the communication unit 216 is 107.78, the purchase rate is 107.98 yen obtained by adding 0.20 yen to the reference rate. As described above, in the customer stage 1, the sale rate is higher than the off-stage and the purchase rate is lower than the off-stage, which is advantageous for the customer. In the case of the euro, similarly, customers in the customer stage 1 are given preferential treatment over customers outside the stage.

  Further, in the customer stage 2, an exchange cost of 0.10 yen is set when selling 1 US dollar. Therefore, if the reference rate is 107.78, the sale rate is 107.68 yen, which is 0.10 yen less than the reference rate. Similarly, in the customer stage 2, an exchange cost of 0.10 yen is set when purchasing 1 US dollar. Therefore, when the reference rate acquired by the communication unit 216 is 107.78, the purchase rate is 107.88 yen obtained by adding 0.10 yen from the reference rate. As described above, in the customer stage 2, the sale rate is higher than the customer stage 1 and the purchase rate is lower than the customer stage 1, which is more advantageous for the customer. Similarly, customers in the customer stage 2 are given preferential treatment to customers in the customer stage 1 with respect to the euro.

(Payment processing)
Here, the description will be continued by returning to the description of the configuration of the bank server 20 with reference to FIG. Hereinafter, it is assumed that a customer uses a debit card to make a foreign currency purchase in a foreign country. The member store uses the currency of the country where the member store is located as the debit currency and transmits the price in the debit currency to the card company device 30. After receiving the payment, the card company device 30 requests a withdrawal (hereinafter, referred to as a “payment request”) including a first withdrawal amount (hereinafter, also referred to as a “withdrawal amount with a withdrawal currency”) according to the withdrawal currency. Is transmitted to the bank server 20 immediately. For example, the debit amount in the debit currency may be the price itself in the debit currency.

  Here, a configuration example of the settlement request will be described. FIG. 17 is a diagram illustrating a configuration example of a settlement request. As shown in FIG. 17, the settlement request includes a card number, a used currency amount (deducted amount in debit currency), a used currency (deducted currency), a reference currency amount, a reference currency, a reference currency conversion rate, and a transaction number. The card number may be included in the customer table of the customer information DB in a format associated with the account number. The transaction number is information for identifying the transaction. The reference currency may be the currency of the card issuing country. The reference currency conversion rate is a conversion rate from a use currency to a reference currency.

  Returning to FIG. 3, the description will be continued. The communication unit 216 receives the payment request. The payment processing unit (withdrawal processing unit) 260 extracts the withdrawal amount in the withdrawal currency from the payment request, and converts a part or all of the withdrawal amount in the withdrawal currency as a conversion target amount at a predetermined rate (for example, an exchange rate). . Then, the settlement processing unit 260 compensates the compensation amount in the compensation currency to the account balance of the debit currency, and performs a deduction process from the account balance of the compensation currency after the compensation.

  According to such a configuration, since the time from the use of the debit card to the time of payment for the usage amount is immediate, the possibility that the exchange rate fluctuates from the time of use of the debit card to the time of payment is reduced. Therefore, when a debit card is used, the possibility that a currency risk is given to the customer is suppressed even if a part or all of the used amount is converted between a plurality of kinds of currencies in accordance with the exchange rate. Since the replenishment amount in the replenishment currency is automatically replenished, the possibility of imposing a burden on the customer is suppressed. Further, since the settlement request is transmitted immediately, the processing speed related to settlement can be improved.

  More specifically, in the case of using a credit card, since the time elapses from the purchase request date to the withdrawal date, the rate on the withdrawal date may be an unexpected rate, and the exchange rate risk is large. On the other hand, according to the present embodiment, the debit card is used and the withdrawal amount is determined based on the rate transmitted at the time of the purchase request, so that the exchange risk is reduced.

  Further, the notification unit 280 notifies the customer terminal 10 via the communication unit 216 of a product purchase completion notification indicating that the purchase of the product has been completed in response to the product purchase request after the withdrawal processing by the payment processing unit 260. Is also good. Then, since the product purchase completion is notified in response to the product purchase request indicating that the purchase of the product is completed, the customer can know that the purchase (settlement) is completed at the time of the product purchase request.

  At this time, control may be performed so that the balance of the deposit account of the compensation currency does not become negative. That is, the compensation determination unit 270 determines whether the balance of the deposit account in the compensation currency is insufficient for the compensation amount. Then, if the balance of the deposit account in the compensation currency is not short of the compensation amount, the settlement processing unit 260 may compensate the compensation amount from the balance account in the compensation currency to the balance account in the debit currency. On the other hand, the settlement processing unit 260 may not perform the settlement when the balance of the deposit account of the compensation currency is insufficient for the compensation amount.

  Here, the method of determining the compensation currency is not particularly limited, but, for example, the following method can be adopted. For example, as a first method, a method of manually or automatically determining a compensation currency in advance is assumed. Further, as a second method, a method of referring to a table in which priorities for respective currencies are defined is assumed. In such a method, it is necessary to refer to the account balance from the currency with the highest priority and determine a currency in which the account balance is not insufficient for the compensation amount as the compensation currency. As a third technique, a technique of determining a reference currency included in the settlement request as a supplementary currency is assumed.

  The condition for performing the compensation using the compensation currency may not be particularly provided, or may be provided. For example, only when the balance of the deposit account in the debit currency is insufficient for the debit amount in the debit currency, the replenishment using the replenishment currency may be performed. That is, the settlement determination unit 250 determines the shortage amount of the account balance of the debit currency with respect to the debit amount in the debit currency, and the settlement processing unit 260 compensates for the shortage at a predetermined rate (for example, an exchange rate) using the correction currency. What is necessary is to convert it into a sum.

  Also, the customer does not necessarily have opened a debit currency deposit account. Therefore, it is desirable to be able to flexibly cope with a situation in which a customer has not yet opened a debit currency deposit account. Specifically, the card company device 30 calculates a second debit amount in a predetermined reference currency (hereinafter, also referred to as “deduction amount in the base currency”), and issues a settlement request including the deduction amount in the base currency. Send it to the bank server 20. The communication unit 216 receives the settlement request, and the settlement processing unit 260 may perform the withdrawal process from the balance of the account of the debit currency after the compensation if the debit currency deposit account has been opened.

  On the other hand, when the deposit account in the debit currency is not established, the settlement processing unit 260 may subtract the debit amount in the reference currency from the balance of the deposit account in the reference currency. However, the calculation of the withdrawal amount in the reference currency in the card company device 30 involves a conversion cost from the withdrawal currency to the reference currency by the card company. That is, if the deposit account in the debit currency has not been opened, the customer must bear the conversion cost, so that the effect of promoting the opening of the deposit account in the debit currency can be enjoyed. In addition, a debit card has the merit that a product can be purchased with a wallet-like feeling. Therefore, it is important to be able to immediately confirm whether or not payment is possible and to be able to make payment immediately. Therefore, by constructing a system that allows settlement in the base currency even if the customer does not open a settlement account in this way, it is possible to judge whether settlement is possible and actual settlement while taking advantage of this advantage become.

  In addition, whether or not the deposit account of the debit currency has been opened may be determined in any manner. For example, when a flag indicating the presence or absence of an account for each currency is provided in the customer information, by referring to the flag, it may be determined whether or not a deposit account in the debit currency has been opened. . Alternatively, by referring to the data for each currency included in the foreign currency ordinary deposit information, it may be determined whether or not a deposit account in the debit currency has been opened.

  In the example described above, an example in which the currency of the country where the franchisee is located is set as the debit currency and the currency of the customer's own country is set as the base currency, but the debit currency and the base currency may be determined in any way. . For example, the settlement judging unit (withdrawal judging unit) 250 may specify a debit currency based on information for identifying a debit currency that is input and recorded in advance by a customer. Then, the customer can designate a deposit account whose balance may be changed by the withdrawal process. Alternatively, the settlement determination unit 250 may specify the debit currency based on the currency unit included in the debit amount in the debit currency.

  Similarly, the settlement determination unit 250 may specify the reference currency based on information for identifying and recording the reference currency, which is input and recorded in advance by the customer. Then, the customer can designate a deposit account whose balance may be changed by the compensation process. Alternatively, the settlement determination unit 250 may specify the reference currency based on a currency unit included in the debit amount in the reference currency.

  The functions of the settlement determining unit 250, the settlement processing unit 260, and the compensation determining unit 270 have been described above. Subsequently, the payment processing performed by the payment determination unit 250, the payment processing unit 260, and the compensation determination unit 270 will be specifically described with reference to FIGS. Unless otherwise specified, the case where the home currency (base currency) is yen, the foreign currency (deduction currency) 1 is the US dollar, and the other foreign currency is the euro, Foreign currency (withdrawal currency), and other foreign currencies are not limited to these.

  8 to 12 are explanatory diagrams showing specific examples of the settlement processing performed by the settlement processing unit 260 and the compensation determining unit 270. In the description of FIGS. 8 to 12, for convenience of explanation, it is assumed that one US dollar is equivalent to 100 yen, and that no exchange cost is incurred.

  FIG. 8 shows a settlement for a customer having a yen deposit of 1,000,000 yen and a USD deposit of $ 10,000 when there is a request to transfer $ 1,000 to a designated account of a card company. An example is shown. In this case, the settlement determination unit 250 determines that the US dollar deposit balance is within the range of the US dollar billed amount.

  Accordingly, the settlement processing unit 260 updates the US dollar deposit balance to US $ 9,000 obtained by subtracting US $ 1,000 from US $ 10,000. The deducted amount is transferred to a designated account of the card company. For example, the bank server 20 makes a deposit request to a designated account of a designated bank, receives a notification that the deposit request has been completed, and completes the transfer. The designated account of the card company may be an account of the same bank as the customer or an account of a different bank. When the payment processing is completed, the customer and the card company are notified that the payment has been completed. In addition, the above-mentioned usage request from the card company regarding the US dollar occurs when a customer pays US dollars using a dollar debit card in the United States.

  FIG. 9 shows a settlement for a customer who has a yen deposit of 1,000,000 yen and a USD deposit of US $ 10,000 when requested to transfer US $ 15,000 to a designated account of a card company. An example is shown. In this case, the settlement determining unit 250 determines that the US dollar deposit balance is out of the range of the US dollar billed amount.

  Therefore, the compensation determining unit 270 determines whether the shortfall of the US dollar deposit balance of the US dollar demanded amount of 5,000 US dollars can be compensated from the yen deposit. Since the yen deposit balance is within the shortfall of 5,000 US dollars, the replenishment determining unit 270 determines that replenishment is possible. For this reason, the settlement processing unit 260 compensates the US $ deposit for 500,000 yen corresponding to the shortage of 5,000 US dollars, and performs the settlement processing of the US dollar billed amount with the compensated US $ 15,000. As a result, the yen deposit balance becomes 500,000 yen.

  FIG. 10 shows a transfer of US $ 1,000 to a designated account of a card company for a customer having a yen deposit of 1,000,000 yen and a US $ 10,000 USD set in advance as a settlement currency (withdrawal currency). 9 shows an example of settlement when a request for requesting payment is made. In this case, the settlement determination unit 250 determines that the yen deposit of 1,000,000 yen set in advance as the settlement currency is within the range of 100,000 yen corresponding to 1,000 dollars, which is the US dollar billed amount. .

  Accordingly, the settlement processing unit 260 performs the settlement processing of 100,000 yen corresponding to the USD billed amount of US $ 1,000 from the yen deposit of 1,000,000 yen set in advance as the settlement currency (withdrawal currency). . As a result, the yen deposit balance becomes 900,000 yen.

  FIG. 11 shows US $ 25,000 for a customer with a JPY500,000 Yen deposit, a US $ 10,000 USD deposit, and a EUR20,000 deposit that is preset as a replenishment currency. 9 shows an example of settlement when there is a request to transfer to. In this case, the settlement determining unit 250 determines that the US dollar deposit balance is out of the range of the US dollar billed amount.

  Therefore, the replenishment determination unit 270 determines whether or not the shortage of the US dollar deposit balance with respect to the US dollar billed amount, which is US $ 15,000, can be replenished from the euro deposit preset as a replenishment currency. Since the euro deposit balance is within the shortage of 15,000 US dollars, the replenishment determining unit 270 determines that replenishment is possible. For this reason, the settlement processing unit 260 compensates the US dollar deposit for 15,000 euros corresponding to the shortage of 15,000 US dollars, and performs the settlement processing of the US dollar billed amount with the compensated 25,000 US dollars. As a result, the euro deposit balance will be 5,000 euros.

  FIG. 12 shows a settlement for a customer who has a yen deposit of 2,000,000 yen and does not have a US dollar deposit account, when there is a request to transfer US $ 15,000 to a designated account of a card company. An example is shown. In this case, the settlement determination unit 250 determines that there is no US dollar deposit account. Therefore, the settlement processing unit 260 acquires the charged amount in yen currency, which is the supplementary currency, from the settlement request. Here, it is assumed that the amount charged in yen currency, which is the supplementary currency, is 1,500,000 yen.

  At this time, the settlement processing unit 260 determines that the invoiced amount in yen currency of 1,500,000 yen is within the range of the yen deposit balance of 2,000,000 yen. Accordingly, the settlement processing unit 260 performs a settlement process of 1,500,000 yen corresponding to the 12,000 US dollar billed amount of 2,000,000 yen, which is the yen deposit balance. As a result, the yen deposit balance becomes 500,000 yen.

  In the above, the payment processing performed by the payment determination unit 250, the payment processing unit 260, and the compensation determination unit 270 has been specifically described. By the way, the settlement processing unit 260 may have not only the function of subtracting the debit amount in the debit currency from the account balance of the debit currency but also other functions as described above. Specifically, the settlement processing unit 260 associates the amount calculated in accordance with the debit amount in the debit currency (hereinafter, also referred to as “automatic transfer amount”) from the debit currency account balance to the debit currency account. A function (hereinafter, also referred to as an “automatic transfer function”) for transferring to the balance of the deposited deposit (hereinafter, also referred to as an “automatic transfer destination deposit”) may be provided.

  According to this configuration, the automatic transfer amount is transferred to the automatic transfer destination deposit each time the debit currency debit amount is reduced from the debit currency deposit account balance. It is possible to provide customers with the pleasure of being automatically accumulated.

  The method of calculating the automatic transfer amount is not particularly limited. For example, the payment processing unit 260 may calculate the multiplied amount obtained by multiplying the debit amount in the debit currency by a predetermined magnification as the automatic transfer amount. Hereinafter, the method of calculating the automatic transfer amount in this manner may be particularly referred to as a “fixed rate method”. Alternatively, the settlement processing unit 260 may calculate, as the automatic transfer amount, a difference amount of a deduction amount in a debit currency with respect to a predetermined reference amount. Hereinafter, the method of calculating the automatic transfer amount in this manner may be particularly referred to as a “fixed amount method”.

  Hereinafter, the automatic transfer function of the payment processing unit 260 will be described with reference to FIGS. FIG. 13 is a diagram illustrating an example of a setting screen of various setting values related to the automatic transfer function of the settlement processing unit 260. For example, the setting screen is displayed by the customer terminal 10, and the setting content can be input by the customer using the setting screen. As shown in FIG. 13, the setting screen includes “setting category”, “method”, “round-up unit”, “round-up rate”, “target amount”, “target title”, “receive cashback”, and “mail notification”. , “Mail delivery destination” and the like.

  The “setting category” is an item for selecting whether to turn the automatic transition function “ON” or “OFF”. When the “setting category” is set to “OFF”, the setting of the next item and thereafter may be omitted, and when the setting item is set to “ON”, the setting of the next item and thereafter may be enabled. The “method” is an item for selecting whether the automatic transfer amount calculation method is the “fixed rate method” or the “fixed amount method”. When this "method" is set to "flat-rate method", "round-up unit" can be set, and when "fixed-rate method" is set, "round-up rate" can be set. .

  The “round-up unit” is an item for selecting which unit is the sum of the debit amount in the debit currency deducted from the debit currency balance of the debit currency and the automatic transfer amount. That is, the settlement processing unit 260 may calculate, as the automatic transfer amount, an amount obtained by subtracting the deduction amount in the debit currency from the minimum amount exceeding the deduction amount in the deduction currency among the multiples of the round-up unit. At this time, since the amount deducted from the debit currency account balance is a multiple of the rounding-up unit, the debit currency account balance is always well separated, making it easier to check the debit currency account balance. Is enjoyed.

  "Round-up rate" is an item for designating a multiplying factor for a debit amount in a debit currency deducted from a deposit account balance in a debit currency. That is, the settlement processing unit 260 may calculate the multiplication amount obtained by multiplying the deduction amount in the debit currency by the “round-up rate” as the automatic transfer amount. At this time, since the amount of the fixed amount is transferred as the automatic transfer amount with respect to the amount of the debit currency, the effect that the amount of deposit accumulated in the automatic transfer destination deposit can be easily predicted is enjoyed. You.

  The “target amount” is an item for designating a target value of the deposit amount accumulated in the automatic transfer destination deposit. When the deposit amount accumulated in the automatic transfer destination deposit reaches the target amount, a mail may be automatically notified to the customer as described later. “Target title” is an item for designating the purpose of accumulating the target amount. If the target title is appropriately notified to the customer, the customer can perform shopping while aiming to save the target amount.

  “Cashback receipt” is an item for selecting whether to receive cashback in a “yen savings account” or “automatic transfer destination deposit”. For example, cashback to the "automatic transfer destination deposit" may be calculated for a predetermined period of time at an interest higher than usual. If you do so, it is possible to receive more cashbacks if you use "automatic transfer destination deposit" rather than "yen savings account" to receive cashbacks. It is possible to increase the number of customers to make.

  "Email notification" is an item for selecting the timing of notifying the customer of the deposit balance accumulated in the automatic transfer destination deposit to the customer by e-mail. When "monthly communication" is selected, the customer is notified of the deposit balance accumulated in the automatic transfer destination deposit by e-mail once a month. When "Goal Achievement Notification" is selected, the customer is notified of the deposit balance stored in the automatic transfer destination deposit by e-mail at the timing when the deposit balance stored in the automatic transfer destination deposit reaches the target amount Is done. When "OFF" is selected, the mail is not particularly notified to the customer.

  The “mail delivery destination” is an item for designating the notification destination address of the deposit balance accumulated in the automatic transfer destination deposit. If "OFF" is selected in "Mail notification", the item of "Mail delivery destination" may not be set. Further, in the example shown in FIG. 13, two mail addresses can be set in the “mail delivery destination”, but the second mail address is not set until the first mail address is set. It may not be possible to do so.

  FIG. 14 is a diagram for explaining a fixed amount method (rounding-up unit = 100 yen) as an example of a method of the automatic transfer function. FIG. 14 shows, in chronological order, the relationships among “Yen savings account balance”, “Billing amount”, “Transfer or cashback amount to automatic transfer destination deposit”, and “Automatic transfer destination deposit balance”. I have. Referring to FIG. 14, “10,000 yen” is accumulated in “Yen Savings Account Balance” before “Authorization on March 24”. It is also assumed that there is no accumulation in the “automatic transfer destination deposit balance”.

  Subsequently, it is assumed that the customer has made a purchase with a debit card on “March 25” and has been charged for “355 yen”. At this time, the settlement processing unit 260 subtracts the billing amount “355 yen” from the minimum amount “400 yen” exceeding the billing amount “355 yen”, and subtracts the billing amount “45 yen” from the multiple of the rounding-up unit (100 yen). It is calculated as an automatic transfer amount. Further, the settlement processing unit 260 adds the automatic transfer amount “45 yen” to the “automatic transfer destination deposit balance”, and subtracts “400 yen” from the “yen ordinary deposit balance”. As a result, the “automatic transfer destination deposit balance” becomes “45 yen”, and the “yen ordinary deposit balance” becomes “9,600 yen”.

  Subsequently, it is assumed that the customer has made a purchase with a debit card on “March 26” and has been charged for “210 yen”. At this time, the settlement processing unit 260 subtracts the billing amount “210 yen” from the minimum amount “300 yen” exceeding the billing amount “210 yen”, and subtracts the billing amount “90 yen” from the multiple of the rounding-up unit (100 yen). It is calculated as an automatic transfer amount. In addition, the settlement processing unit 260 adds the automatic transfer amount “90 yen” to the “automatic transfer destination deposit balance” and subtracts “300 yen” from the “yen ordinary deposit balance”. As a result, the "automatic transfer destination deposit balance" becomes "135 yen", and the "yen ordinary deposit balance" becomes "9,300 yen".

  Subsequently, it is assumed that the customer has made a shopping with a debit card on “April 26” and has been billed “542 yen”. At this time, the settlement processing unit 260 subtracts the billing amount “542 yen” from the minimum amount “600 yen” exceeding the billing amount “542 yen”, and subtracts the billing amount “58 yen” from the multiple of the rounding-up unit (100 yen). It is calculated as an automatic transfer amount. Further, the settlement processing unit 260 adds the automatic transfer amount “58 yen” to the “automatic transfer destination deposit balance”, and subtracts “600 yen” from the “yen ordinary deposit balance”. As a result, the "automatic transfer destination deposit balance" becomes "193 yen", and the "yen ordinary deposit balance" becomes "8,700 yen".

  Subsequently, it is assumed that a cashback of "2 yen" is made on "May 1" in a state where the cashback reception is set to "automatic transfer destination deposit". At this time, the cashback “2 yen” is added to the “automatic transfer destination deposit balance”. As a result, the "automatic transfer destination deposit balance" becomes "195 yen".

  FIG. 15 is a diagram for explaining a constant rate method (round-up rate = 5%) as an example of a method of the automatic transfer function. FIG. 15 shows, in chronological order, the relationship among “Yen savings account balance”, “Billing amount”, “Transfer or cashback amount to automatic transfer destination deposit”, and “Automatic transfer destination deposit balance”. I have. Referring to FIG. 15, “10,000 yen” is accumulated in “Yen Savings Account Balance” before “March 24 Authorization”. It is also assumed that there is no accumulation in the “automatic transfer destination deposit balance”.

  Subsequently, it is assumed that the customer makes a purchase with a debit card on “March 25” and is charged a bill of “400 yen”. At this time, the settlement processing unit 260 calculates a multiplication amount “20 yen” obtained by multiplying the charge amount “400 yen” by the round-up rate (5%) as the automatic transfer amount. Further, the settlement processing unit 260 adds the automatic transfer amount “20 yen” to the “automatic transfer destination deposit balance”, and subtracts “420 yen” from the “yen ordinary deposit balance”. As a result, the “automatic transfer destination deposit balance” becomes “20 yen”, and the “yen ordinary deposit balance” becomes “9,580 yen”.

  Subsequently, it is assumed that the customer has made a shopping with a debit card on “March 26” and has been charged for “200 yen”. At this time, the settlement processing unit 260 calculates a multiplication amount “10 yen” obtained by multiplying the charge amount “200 yen” by the round-up rate (5%) as the automatic transfer amount. Further, the settlement processing unit 260 adds the automatic transfer amount “10 yen” to the “automatic transfer destination deposit balance” and subtracts “210 yen” from the “yen ordinary deposit balance”. As a result, the “automatic transfer destination deposit balance” becomes “30 yen”, and the “yen ordinary deposit balance” becomes “9,370 yen”.

  Subsequently, it is assumed that the customer has made a shopping with a debit card on “April 26” and has been charged for “800 yen”. At this time, the settlement processing unit 260 calculates the multiplication amount “40 yen” obtained by multiplying the billing amount “800 yen” by the round-up rate (5%) as the automatic transfer amount. Further, the settlement processing unit 260 adds the automatic transfer amount “40 yen” to the “automatic transfer destination deposit balance” and subtracts “840 yen” from the “yen ordinary deposit balance”. As a result, the "automatic transfer destination deposit balance" becomes "170 yen", and the "yen ordinary deposit balance" becomes "8,530 yen".

  Subsequently, it is assumed that cashback of "2 yen" is made on "May 1" in a state where cashback reception is set to "automatic transfer destination deposit". At this time, the cashback “2 yen” is added to the “automatic transfer destination deposit balance”. As a result, the “automatic transfer destination deposit balance” becomes “72 yen”.

  The flat-rate method and the fixed-rate method have been described above. Next, an example of an update history of various setting values according to the automatic transition function will be described. FIG. 16 is a diagram illustrating an example of an update history of various setting values according to the automatic transfer function. As illustrated in FIG. 16, the table management unit 220 determines the “update category” for “update category”, “method”, “set value”, “target amount”, “target title”, “e-mail notification setting”, Is registered in the “history information” of the “yen deposit table” or the “foreign currency deposit table” shown in FIG.

[2-3] Operation of Bank Server According to Embodiment of the Present Invention The functions of the bank server 20 according to the present embodiment have been described above with reference to FIGS. Subsequently, the operation of the bank server 20 according to the present embodiment will be described with reference to FIGS.

  FIG. 18 and FIG. 19 are flowcharts showing the flow of the basic settlement process of the bank server 20 according to the present embodiment. As shown in FIG. 18, first, the settlement determination unit 250 determines whether or not the currency of use (currency withdrawal) is the currency of handling (S801). If the settlement determining unit 250 determines that the currency used (the debit currency) is not the handling currency, the operation proceeds to S804. On the other hand, if it is determined that the currency of use (withdrawal currency) is the handling currency, it is determined whether an account for the currency of use (withdrawal currency) has been opened (S802).

  Subsequently, when the settlement determination unit 250 determines that the account for the currency of use (withdrawal currency) has not been opened, the operation proceeds to S804. On the other hand, when it is determined that the account in the currency of use (debit currency) has been opened, the settlement determination unit 250 determines whether the account balance of the currency of use (debit currency) is equal to or more than the usage amount (deducted amount in the currency of debit). It is determined (S803) whether or not the account balance of the currency of use (withdrawal currency) is equal to or greater than the usage amount (withdrawal amount in the currency of withdrawal), and the settlement processing unit 260 performs the settlement processing ( S806). On the other hand, when it is determined that the account balance of the used currency (the debit currency) is not equal to or more than the usage amount (the debit amount in the debit currency), the settlement processing unit 260 shifts the operation to S812 (FIG. 19).

  When the operation is shifted to S812, the compensation determining unit 270 converts the shortage into the compensation currency and acquires the converted shortage as the converted amount (S812). Then, the compensation determination unit 270 determines whether the account balance of the compensation currency is equal to or more than the conversion amount (S813), and the settlement processing unit 260 determines that the account balance of the compensation currency is equal to or greater than the conversion amount. In this case, the conversion currency equivalent from the compensation currency account is applied to the use currency account (deposit account in debit currency) (S814), and the settlement process is executed (S806). On the other hand, the settlement processing unit 260 does not execute the settlement when the account balance of the supplementary currency is not more than the conversion amount.

  If the operation has been shifted to S804, the settlement determination unit 250 determines whether an account in the reference currency has been opened (S804). If the settlement processing unit 260 determines that the account in the reference currency has not been opened, it does not execute the settlement (S807). On the other hand, when the settlement determination unit 250 determines that the account in the base currency is opened, it determines whether or not the account balance in the base currency is equal to or more than the usage amount for conversion into the base currency (withdrawal amount in the base currency). A determination is made (S805). When it is determined that the account balance in the base currency is equal to or more than the base currency conversion usage amount (withdrawal amount in the base currency), the payment processing unit 260 executes the payment processing, and the account balance in the base currency is converted into the base currency. If it is determined that the amount is not equal to or greater than the conversion use amount (deduction amount in the base currency), the settlement is not executed (S807).

  20 to 23 are flowcharts showing the flow of the settlement process of the bank server 20 according to the present embodiment. As shown in FIG. 20, first, the settlement determining unit 250 determines whether or not a settlement currency (withdrawal currency) is set in advance (S101). If it is determined that the settlement currency (withdrawal currency) has been set in advance, the bank server 20 proceeds to the process of S105. On the other hand, when it is determined that the settlement currency (withdrawal currency) has not been set in advance, the settlement processing unit 260 acquires the settlement currency (withdrawal currency) from the settlement request (withdrawal request) (S103).

  Subsequently, the settlement determining unit 250 determines whether the supplementary currency is set in advance (S105). Then, when it is determined that the supplementary currency is set in advance, the bank server 20 proceeds to the process of S109. On the other hand, when it is determined that the compensation currency has not been set in advance, the settlement processing unit 260 sets the reference currency as the compensation currency (S107). However, setting the home currency (yen currency) as the make-up currency is merely an example, and the make-up currency is not limited to the home currency (yen currency).

  Subsequently, the settlement determining unit 250 determines whether the customer has a deposit account in the settlement currency (debit currency) (S109). If it is determined that the customer does not have a deposit account in the settlement currency (debit currency), the bank server 20 proceeds to the process of S121 (see FIG. 21). On the other hand, when it is determined that the customer has a deposit account in the settlement currency (withdrawal currency), the settlement determination unit 250 calculates the amount charged in the settlement currency (withdrawal currency) in the balance of the deposit account in the settlement currency (withdrawal currency). It is determined whether or not payment can be made (S110).

  If it is determined that the payment amount in the settlement currency (withdrawal currency) can be settled with the balance of the deposit account in the settlement currency (withdrawal currency), the settlement processing unit 260 performs settlement processing (S140: see FIG. 23). , End the operation. On the other hand, if the bank server 20 determines that the billing amount in the settlement currency (withdrawal currency) cannot be settled with the balance of the deposit account in the settlement currency (withdrawal currency), the process proceeds to S131.

  As shown in FIG. 21, when the process proceeds to S121, the settlement processing unit 260 converts the shortfall in the settlement currency (currency debit) into compensation currency at a predetermined rate (for example, an exchange rate) (S121). Next, the replenishment determining unit 270 determines whether or not the shortfall in the replenishment currency can be settled with the deposit balance of the replenishment currency (S123). If it is determined that the shortfall in the reimbursement currency can be settled with the deposit balance in the reimbursement currency, the settlement processing unit 260 transfers the shortage in the reimbursement currency from the deposit account in the reimbursement currency to the deposit balance in the settlement currency (deduction currency). Compensation (S127) and settlement processing (S140: see FIG. 23) are performed.

  On the other hand, when it is determined that the shortage due to the supplementary currency cannot be settled with the deposit balance of the supplementary currency, the settlement processing unit 260 ends the operation without performing the settlement processing (S125).

  In addition, as shown in FIG. 18, when the process proceeds to S131, the compensation determining unit 270 determines whether or not the shortage in the supplement currency can be settled with the deposit balance in the reference currency (S131). If it is determined that the shortfall in the supplementary currency can be settled with the deposit balance in the base currency, the base currency is set as the settlement currency (debit currency) (S135), and the settlement process (S140: see FIG. 23) is performed. . On the other hand, when it is determined that the shortage in the supplementary currency cannot be settled with the deposit balance in the reference currency, the settlement processing unit 260 ends the operation without performing the settlement processing (S133).

  Details of the settlement process (S140) are shown in S141 to S148 of FIG. As shown in FIG. 23, the settlement processing unit 260 determines whether or not the automatic transfer function of the deposit account in the settlement currency (debit currency) is valid (S141). When the payment processing unit 260 determines that the automatic transfer function of the deposit account of the payment currency (withdrawal currency) is invalid, the process proceeds to S147. On the other hand, when the settlement processing unit 260 determines that the automatic transfer function of the deposit account in the settlement currency (withdrawal currency) is valid, the process proceeds to S142.

  Subsequently, the settlement processing unit 260 determines whether the calculation method of the automatic transfer amount is “fixed amount” (S142), and when it determines that the calculation method of the automatic transfer amount is “fixed amount”, The automatic transfer amount is calculated by the fixed amount method (S144). On the other hand, when the payment processing unit 260 determines that the calculation method of the automatic transfer amount is the “fixed rate”, the payment processing unit 260 calculates the automatic transfer amount by the fixed rate method (S143).

  Subsequently, the settlement processing unit 260 performs settlement with the balance of the deposit account in the settlement currency (debit currency) (S145), and adds the automatic transfer amount to the automatic transfer destination deposit (S146). Subsequently, the settlement processing unit 260 determines whether the target has been achieved and the e-mail notification setting is “target achievement notification”, and the target has been achieved and the e-mail notification setting is “target achievement notification”. If it is determined that the target is satisfied, the customer is notified of the achievement of the target by e-mail (S148), and the operation ends. On the other hand, when the settlement processing unit 260 determines that the target has not been achieved or the mail notification setting is not “target achievement notification”, the operation ends.

[3] Conclusion According to the embodiment of the present invention, when the card company device 30 receives the payment in the predetermined debit currency and immediately transmits the withdrawal request including the first withdrawal amount corresponding to the payment. A communication unit 216 for receiving the settlement request, and a compensation amount in a predetermined compensation currency in which a part or the whole of the first withdrawal amount is converted at a predetermined rate as a conversion target amount, to a deposit account balance in the withdrawal currency, And a settlement processing section 260 for performing settlement processing from the account balance of the debit currency after the compensation.

  According to such a configuration, since the time from the use of the debit card to the time of payment for the usage amount is immediate, the possibility that the exchange rate fluctuates from the time of use of the debit card to the time of payment is reduced. Therefore, when a debit card is used, the possibility that a currency risk is given to the customer is suppressed even if a part or all of the used amount is converted between a plurality of kinds of currencies in accordance with the exchange rate. Since the replenishment amount in the replenishment currency is automatically replenished, the possibility of imposing a burden on the customer is suppressed. Further, since the settlement request is transmitted immediately, the processing speed related to settlement can be improved.

  As described above, the preferred embodiments of the present invention have been described with reference to the accompanying drawings, but it is needless to say that the present invention is not limited to such examples. It is clear that those skilled in the art can conceive various changes or modifications within the scope of the claims, and these naturally belong to the technical scope of the present invention. I understand.

  For example, in the above description, an example has been described in which both the compensation of the compensation amount by the compensation currency and the transfer of the automatic transfer amount are executed. However, only the compensation of the compensation amount by the compensation currency may be executed, or only the transfer of the automatic transfer amount may be executed. Alternatively, depending on the type of the debit currency, it may be controlled whether to execute the compensation of the compensation amount by the compensation currency or to execute the transfer of the automatic transfer amount.

  For example, in the case where the bank server 20 includes a determination unit for determining the type of debit currency, the settlement processing unit 260, when it is determined that the debit currency is the predetermined first currency, changes the amount of the denomination currency to the debit currency. May be compensated for, and a withdrawal process may be performed from the account balance of the debit currency after the compensation. On the other hand, if the debit processing unit 260 determines that the debit currency is the predetermined second currency, the debit processing unit 260 debits the predetermined automatic transfer amount calculated according to the debit amount in the debit currency from the deposit account balance of the debit currency. The transfer to the automatic transfer destination deposit balance associated with the currency deposit account may be performed, and the debit processing may be performed from the deposit account balance of the debit currency.

  The notifying unit 280 determines whether the debit currency is the predetermined first currency, and determines that the debit currency is the predetermined second currency. Thereafter, a product purchase completion notification indicating that the purchase of the product has been completed may be sent to the customer terminal 10 via the communication unit 216.

  In addition, for example, each step in the processing of the bank server 20 in the present specification does not necessarily need to be processed in chronological order in the order described in the flowchart. For example, each step in the processing of the bank server 20 may include processing executed in parallel or individually (for example, parallel processing or processing by an object).

  Further, a computer program for causing hardware such as the CPU 201, the ROM 202, and the RAM 203 built in the bank server 20 to exhibit the same functions as those of the above-described configuration of the bank server 20 can be created. Also, a storage medium storing the computer program is provided. Further, by configuring each functional block shown in the functional block diagram of FIG. 3 by hardware, a series of processing can be realized by hardware.

  Further, in the above-described embodiment, the card has been described as an example of the medium used by the customer. However, media used by customers is not limited to cards. For example, card information is recorded on a mobile terminal such as a smartphone, and when the customer holds the mobile terminal over a card reader installed in a store, the card information recorded on the mobile terminal is transmitted to the card reader by contactless communication. May be. In that case, the payment process may be executed based on the card information received by the card reader.

Reference Signs List 10 customer terminal 20 bank server 30 card company device 216 communication unit 220 table management unit 230 storage unit 240 customer stage determination unit 250 payment determination unit 260 payment processing unit 270 compensation determination unit

Claims (7)

A withdrawal processing device for immediately processing a withdrawal request immediately generated at the time of a product purchase request,
A customer stage determination unit that determines a customer stage based on a deposit account balance;
A communication unit that receives a withdrawal request that includes a first withdrawal amount in accordance with the price by a predetermined withdrawal currency of the commodity transmitted at the purchase request,
A withdrawal determination unit that determines a shortage of the deposit account balance of the withdrawal currency with respect to the first withdrawal amount;
For conversion amount of the shortfall, it converted into compensation amount by a predetermined compensation currency converted by the exchange rate calculated from the cost determined according to the rate and the customer stage at the time of reception of the withdrawal request, the compensation currency Subtracting the reimbursement amount from the reimbursement account balance of the reimbursement currency and adding the shortfall to the remittance account balance of the debit currency, and calculating the first deduction amount from the reimbursement account account balance of the debit currency. A withdrawal processing unit for performing a withdrawal process to reduce ,
After the withdrawal processing by the withdrawal processing unit, a notification unit for notifying a product purchase completion notification indicating that the purchase of the product has been completed in response to the product purchase request,
A withdrawal processing device comprising:   2. The debit processing device according to claim 1, wherein the customer stage determination unit determines the customer stage based on a sum of conversion amounts obtained by converting a deposit account balance for each currency into a reference currency at a rate at the time of determination. 3. The withdrawal processing device includes a compensation determination unit that determines whether the balance of the deposit account of the compensation currency is insufficient for the compensation amount,
The debit processing unit, if the deposit account balance of the compensation currency is not insufficient for the compensation amount, compensates the compensation amount from the deposit account balance of the compensation currency to the deposit account balance of the withdrawal currency,
Withdrawal processing apparatus according to claim 1 or 2. The withdrawal request includes a second withdrawal amount in a predetermined base currency;
When the deposit account of the debit currency has been opened, the debit processing unit performs a deduction process from the balance of the deposit account of the debit currency after the compensation, and the deposit account of the debit currency is not opened. In some cases, subtracting the second withdrawal amount from the deposit account balance in the base currency;
Withdrawal processing apparatus according to claim 1 or 2. The debit processing unit subtracts the first debit amount from the deposit account balance in the debit currency, and calculates a predetermined automatic transfer amount calculated according to the first debit amount from the deposit account balance in the debit currency. Migrate to the automatic destination deposit balance associated with the debit currency deposit account,
Withdrawal processing apparatus according to claim 1 or 2. The debit processing unit calculates a multiplied amount obtained by multiplying the first debit amount by a predetermined rate or a difference amount between the first debit amount and a predetermined reference amount as the automatic transfer amount. ,
The debit processing device according to claim 5. A withdrawal processing method for immediately processing a withdrawal request immediately generated at the time of a product purchase request,
A customer stage determination unit that determines a customer stage based on the deposit account balance;
A communication unit receiving a withdrawal request including a first withdrawal amount corresponding to a price in a predetermined debit currency of the product transmitted at the time of the product purchase request;
A withdrawal determination unit for determining a shortage of the deposit account balance of the withdrawal currency with respect to the first withdrawal amount;
Withdrawal processing unit, converts the shortage amount for conversion amount, the compensation amount according to predetermined compensation currency converted by the exchange rate calculated from the cost determined according to the rate and the customer stage at the time of reception of the withdrawal request Subtracting the reimbursement amount by the reimbursement currency from the reimbursement account balance of the reimbursement currency, adding the insufficient amount to the deposit account balance of the debit currency, and calculating the Performing withdrawal processing to reduce the deduction amount of 1 ;
A notifying unit , after the withdrawal process, notifying a product purchase completion notification indicating that the purchase of the product has been completed in response to the product purchase request;
And a debit processing method.

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