JP6878510B2 - Payment system and payment method - Google Patents

Description

The present disclosure relates to payment systems and payment methods, and more particularly to payment systems and payment methods that provide cashless payment services linked to credit cards.

In recent years, the number of foreigners visiting Japan has continued to increase, and the number of foreigners visiting Japan in the year 2018 is more than three times the number of foreigners visiting Japan in 2012. Under such circumstances, more foreigners will make more payments, such as shopping in Japan and using public transportation.

As a matter of course, foreigners visiting Japan stay in Japan temporarily, so for foreigners visiting Japan, payment in cash is due to the fact that exchange fees will be incurred by exchanging local currency into Japanese yen. It is preferable to make a cashless payment. Examples of cashless payments include credit card payments, prepaid card payments (transportation IC cards, etc.), electronic payments, and the like.

Tokyo Metropolitan Bureau of Transportation, "PASMO PASSPORT", a special IC card ticket for foreign tourists visiting Japan with special benefits, will debut this fall! , [Online], Tokyo Metropolitan Bureau of Transportation website, [Search on May 20, 1st year of Reiwa], Internet (URL: https://www.kotsu.metro.tokyo.jp/pickup_information/news/subway/2018/ sub_p_201812138328_h.html)

The cashless payment described above becomes a problem when using public transportation, for example. A typical cashless payment used for public transportation is a transportation IC card. The transportation IC card is charged when the user deposits cash from a dedicated device (the charge amount is stored in the IC card). The user can make a payment within the range of the charge amount. When the user makes a payment in excess of the charge amount, it is necessary to deposit additional cash from the dedicated device.

With the above-mentioned charge method, cash is deposited from a dedicated device, so foreigners visiting Japan will need to exchange it for Japanese yen. The dedicated device may accept credit card payments, but each time the charge amount is insufficient, it becomes necessary to charge with the dedicated device, which imposes a troublesome burden on the user.

As a method different from the above-mentioned charge method, there is a method called an auto charge method. In this method, for example, when the user makes a payment in excess of the charge amount, a predetermined amount is automatically charged to the transportation IC card. The charge amount will be deducted from the user's account through credit card payment. That is, it can be said that the auto charge method is a charge method in which a transportation IC card and a credit card are linked. In the auto charge method, the user does not need to deposit cash from the dedicated device when the charge amount of the transportation IC card is insufficient.

The auto-charge method requires the user to have a valid credit card. Even if a foreigner visiting Japan has a credit card issued in his / her own country, the credit card may not be linked with the transportation IC card in some cases. This is because a credit card is made up of giving a certain amount of credit to a credit card holder based on the credit information issued by a designated credit information agency, and foreigners visiting Japan do not have credit information in Japan. Therefore, foreigners visiting Japan may not be able to use the auto-charge method through their own credit card payment. In addition, there may be stores where credit cards owned by foreigners visiting Japan cannot be used.

Non-Patent Document 1 discloses a technique for issuing a temporary transportation IC card for foreigners visiting Japan. The technology disclosed in Non-Patent Document 1 issues a transportation IC card charged with 2000 yen to a foreigner visiting Japan at a specific station. However, the technology disclosed in Non-Patent Document 1 requires cash when purchasing a transportation IC card, so that foreigners visiting Japan still need to exchange it for Japanese yen. Further, in the technique disclosed in Non-Patent Document 1, when the charge amount of the transportation IC card is insufficient, it becomes necessary to additionally charge or purchase a further card.

The method performed by the computer according to the embodiment is a method performed by a computer device that processes a payment by a user using a first credit card, wherein the computer device is the first credit card. The first credit card information corresponding to the above and the second credit card information corresponding to the second credit card are associated and stored in the storage device, and the payment amount and the payment data including the first credit card information are stored. Account transfer based on the step of receiving, the step of acquiring the second credit card information from the storage device based on the first credit card information, the payment amount, and the first credit card information. It includes a step of generating data, a step of transmitting the account transfer data, a step of generating billing data based on the payment amount and the second credit card information, and a step of transmitting the billing data. ..

Further, the method executed by the computer according to the embodiment is a method executed by a computer device that processes the payment by the user using the cashless payment means, and the cashless payment means is the first method. Associated with a credit card, the computer device has a user identification number, a first credit card information corresponding to the first credit card, and a second credit card information corresponding to the second credit card. The first credit card information and the second credit card information based on the step of associating and storing in the storage device and receiving the payment data including the payment amount and the user identification number and the user identification number. From the storage device, a step of generating account transfer data based on the payment amount and the first credit card information, a step of transmitting the account transfer data, the payment amount and the first credit card information. It includes a step of generating billing data based on the credit card information of 2 and a step of transmitting the billing data.

According to the payment system and payment method according to the embodiment, cashless payment by credit card becomes possible at a store or the like where a credit card owned by the user cannot be used. Further, according to the payment system and the payment method related to the embodiment, it is possible to make a payment by a cashless payment means that is not linked to the credit card owned by the user.

It is a figure which shows the example of the structure of the whole payment system. It is a figure which shows the example of the detailed configuration of a server computer and a client computer. It is a flowchart which shows an example of a card issuance process. It is a figure which shows the example of the input interface. It is a figure which shows the example of the user data table. It is a flowchart which shows the example of payment processing. It is a figure which shows the example of the settlement data table.

Hereinafter, the payment system 100 according to the embodiment will be described in detail with reference to the attached drawings. In the present embodiment, an example in which a user makes a payment by using a cashless payment means through a credit card payment will be described. The user holds a credit card, but the credit card is not linked to the cashless payment method according to the prior art. That is, the cashless payment method according to the prior art is not charged by the credit card owned by the user.

In this embodiment, the user is provided with a temporary credit card and cashless payment means that can only be used in the payment system 100. Cashless payment methods are charged by their temporary credit card. Hereinafter, the temporary credit card provided to the user is referred to as a "first credit card", and the credit card held by the user is referred to as a "second credit card".

FIG. 1 shows an example of the overall configuration of the payment system 100. The payment system 100 includes a server computer 1 and a client computer 2. Optionally, the payment system 100 includes a client computer 3 and a card issuing device 4. The server computer 1 is connected to at least the client computer 2, the client computer 3, and the card issuing device 4 through a network 5 including a public line such as the Internet. Further, the payment system 100 is connected to the payment system 200 and the banking system 300, respectively, through the network 5.

In the example shown in FIG. 1, a server computer 1, a client computer 2, a client computer 3, a card issuing device 4, a payment system 200, and a banking system 300 are connected to each other through a network 5. However, it should be understood that not all of them need to be interconnected.

The server computer 1 is a computer device (information processing device) implemented for providing a user with a payment service using a credit card, which has existed conventionally. The server computer 1 is owned and managed by a business operator that provides payment services to users or in partnership with the business operator (hereinafter, referred to as "first service business operator"). Service providers primarily, but are not limited to, credit card issuers.

The payment service provided by the server computer 1 is used for payment by a cashless payment means (transportation IC card or the like) described below. That is, the user can make a payment using the cashless payment means charged by the first credit card issued by the service provider (auto-charge function in the transportation IC card, etc.). The server computer 1 receives payment data from the client computer 2 and generates fund transfer data based on the payment data. The payment data is transmitted from the client computer 2 to the server computer 1 when the cashless payment means is charged (that is, when the credit card payment by the first credit card is performed).

The client computer 2 is a computer device (information processing device) having at least an arithmetic function and a communication function. The client computer 2 transmits payment data to the server computer 1 when the cashless payment means is charged. The client computer 2 corresponds to, for example, a cash register device (for example, a POS computer) installed in the store when the user makes a payment at a physical store. Further, the client computer 2 is a computer device that records entry and exit from a ticket gate or the like to the gate and manages the record when the user makes a payment when using public transportation (for example, a railroad). Corresponds to.

That is, the client computer 2 determines the charge balance of the cashless payment means when the user makes a payment using the cashless payment means, and when the charge balance is insufficient, the client computer 2 is associated with the first credit card. This is any computer device that generates payment data for withdrawing the charge amount from the account and transmits the payment data to the server computer 1.

Cashless payment means include, for example, mobile phones (eg, smartphones), tablet computers, and IC cards (such as transportation systems) in which cashless payment application programs are stored. The cashless payment means stores at least a user identification number described later. When the cashless payment means is charged, the client computer 2 acquires at least a user identification number from the cashless payment means and includes the user identification number in the payment data.

The client computer 3 is a computer device (information processing device) used by the user. The client computer 3 includes a mobile phone (such as a smartphone), a tablet computer, a portable computer device such as a PDA (Personal Digital Assistance), and a personal computer such as a laptop computer and a desktop computer. The client computer 3 may be the same as the cashless payment means described above.

The card issuing device 4 is a device that issues a first credit card and a cashless payment card to a user. The cashless payment card is a physical card medium in which information such as a user identification number is stored or encoded, and functions as the cashless payment means described above.

The payment system 200 is a computer system implemented for providing a user with a conventional payment service using a credit card. The payment system 200 is owned and managed by a business operator different from the first service business operator. The user can use the second credit card to make a payment through the payment service provided by the payment system 200. That is, the payment system 200 is also a computer system that provides the user with a payment service using a credit card, like the payment system 100, but both provide independent services.

The banking system 300 is a computer system implemented for providing an account transfer service according to a conventional banking business. As described above, when charging the cashless payment means, the charge amount is deducted from the account associated with the first credit card, and the deduction is performed through the account transfer service provided by the bank system 300.

Next, an example of a detailed configuration of the server computer 1 and the client computer 2 will be described with reference to FIG. The server computer 1 includes a control device 11, a memory 12, a storage device 13, and a communication device 14.

The control device 11 is also referred to as a processor, and executes control of each of the above components and calculation of data. Further, the control device 11 reads the program stored in the storage device 13 into the memory 12 and executes the program for executing the various processes according to the present embodiment. Here, the above-mentioned program is a program for implementing a part of the functions executed by the payment system 100, and is stored in the storage device 13 of the server computer 1.

The memory 12 is a volatile data storage device that stores data transmitted from the client computer 2 and the like, computer-executable instructions, and data after arithmetic processing by the instructions. The memory 12 may be implemented in RAM (random access memory) (for example, SRAM (static RAM) and DRAM (dynamic RAM)).

The storage device 13 is a non-volatile data storage device that stores the above-mentioned program, the database table 13a used by the DBMS, and the like. The storage device 13 may be mounted on a non-volatile semiconductor memory such as a ROM (read-only memory), a magnetic storage device (hard disk drive or the like), an optical disk, or the like. Data such as programs and database tables may be stored in NAS (Network Attached Storage) and / or SAN (Storage Area Network) or the like in addition to or instead of the storage device 13.

The communication device 14 is a network interface that transmits / receives data and control information to / from an external computer device such as a client computer 2 through the network 5. This network interface is implemented by, for example, a network card (for example, a LAN card) that conforms to a protocol such as TCP / IP.

The client computer 2 includes a control device 21, a memory 22, a storage device 23, a communication device 24, and an input device 25. Since the control device 21, the memory 22, the storage device 23, and the communication device 24 each have the same functions as the control device 11, the memory 12, the storage device 13, and the communication device 14 described above, detailed description thereof will be omitted. To do.

The input device 25 acquires information such as a user identification number stored in the cashless payment means. For example, when the client computer 2 corresponds to a cash register device, it corresponds to a reader that reads information stored or encoded in the cashless payment means (for example, a barcode that reads information from a barcode attached to the cashless payment means). A reader or a card reader that reads information from an IC chip attached to a cashless payment means).

<Card (cashless payment card) issuance process>
Next, with reference to FIG. 3, an example of a card (cashless payment card) issuance process for a user to perform cashless payment will be described. In the process of FIG. 3, a first credit card and a cashless payment card are issued to the user. Both the first credit card and the cashless payment card are provided with an IC chip in which predetermined information is stored or a magnetic stripe in which the predetermined information is encoded.

The first credit card is a credit card that is valid in the payment system 100 only within the period specified by the user. The first credit card is issued by the first service provider itself or a provider designated by the first service provider. The cashless payment card is a card with a payment function that is valid in the payment system 100 only within the period specified by the user. The cashless payment card is charged with a predetermined amount through payment by the first credit card. That is, the charge amount is deducted from the account associated with the first credit card. Similarly, the cashless payment card is issued by the first service provider itself or a provider designated by the first service provider.

The card issuance process in the present embodiment is executed by the user inputting predetermined information from the client computer 3.

First, the client computer 3 acquires the card application data input from the user (step S301). The card application data is acquired by the user inputting predetermined information from the input interface 400 described later. The card application data includes user information, length of stay, and credit card information input from the input interface 400.

FIG. 4 shows an example of the input interface 400 described above. The input interface 400 is displayed on the display, for example, when the processor of the client computer 3 executes a predetermined program. It is acquired by the user inputting predetermined information from the input interface 400. The predetermined program is downloaded from the server computer 1 from the client computer 3. As shown in FIG. 4, the input interface 400 includes a user information input field 401, a stay period input field 402, and a credit card information input field 403. When the user inputs information in these information input fields, a cashless payment card is issued according to the information.

The user information input field 401 is an input field for inputting information about the user, such as the user's name. In the example shown in FIG. 4, the user information includes only the name, but may include any other information regarding the user's attributes, such as a passport number. The information entered in the user information input field 401 is not essential information for issuing a cashless payment card.

The stay period input field 402 is an input field for inputting the period during which the user stays in Japan, that is, the period during which the first credit card and cashless payment card to be issued are valid. In addition, although FIG. 4 shows an example of inputting the stay start date (valid start date) and the stay end date (valid end date), the stay period input field 402 accepts the stay period (valid period). It may be configured.

The credit card information input field 403 is an input field for inputting information regarding the second credit card held by the user. That is, the credit card information input field 403 is configured to accept input of information for identifying the second credit card managed by the payment system 200 (for example, a card company name and a credit card number).

When the client computer 3 acquires the card application data, the client computer 3 transmits the card application data to the server computer 1 (step S302). Next, when the communication device 14 of the server computer 1 receives the card application data, the control device 11 assigns the user identification number and the credit card number corresponding to the first credit card (step S303). The user identification number is a number for identifying a user in the payment system 100.

Next, the control device 11 is based on the information included in the card application data, the user identification number assigned in step S303, and the credit card number corresponding to the first credit card (first credit card number). The user data record is stored in the user data table 500 (step S304). The user data table 500 is a database table implemented in the database table 13a.

FIG. 5 is a diagram showing an example of the user data table 500. The user data table 500 has a user data record for each user. As shown in FIG. 5, the user data table 500 has the user identification number 501, the name 502, the user credit card information 503, the temporary credit card information 504, the valid start date 505, and the valid end date 506 as data items. including.

The user identification number 501 assigned in step S303 is set as the user identification number 501. Values included in the card application data are set for the name 502 and the user credit card information 503. That is, the name 502 and the user credit card number 503 are the values entered in the user information input field 401 and the credit card information input field 403 described above (credit card information corresponding to the second credit card (hereinafter, "No. 1"). 2 credit card information ")) is set.

In the temporary credit card information 504, the credit card information corresponding to the first credit card is set. In the temporary credit card information 504, the company name is set to a value indicating the credit card issuing company designated by the first service provider. Of the temporary credit card information 504, the credit card number assigned in step S303 is set as the card number. Of the temporary credit card information 504, the financial period, account type, account number, and account holder are the accounts designated by the first service provider, that is, the accounts held by a third party other than the user (hereinafter referred to as the account). , "First account"), each information is set. Hereinafter, the credit card information corresponding to the first credit card set in the temporary credit card information 504 is referred to as "first credit card information".

In the present embodiment, the first account is, for example, an account held by the first service provider and pooled with a predetermined amount to be deducted to charge the cashless payment means. That is, the first account is associated with the first credit card, which is different from the account held by the user, and the charge amount is charged through the payment by the first credit card in order to charge the cashless payment means. The account to be debited. The account information corresponding to the first account is predetermined, and the information is stored in the storage device 13 of the server computer 1.

For the effective start date 505 and the effective end date 506, the cashless payment means effective start date and the cashless payment means effective start date are set. That is, the valid start date 505 and the valid end date 506 are set to the values entered in the above-mentioned stay period input field 402, which are the values included in the start date card application data.

In the process of step S304, the server computer 1 manages the user identification number, the first credit card information, and the second credit card information in association with each other.

Returning to the description of FIG. 3, in step S305, the control device 11 sets the effective start date 505 from the user data table 500 by adding a predetermined number of days to the date on which the process of step S305 is executed. Acquire the user data record. For example, if the process of step S305 is executed on July 20, 2019 and the predetermined period is one day, the user data record in which the valid start date 505 is set to July 21, 2019 is acquired. .. That is, in this example, the user data record whose effective start date is the day after the date on which the process of step S305 is executed is acquired.

Next, the control device 11 generates card issuance data based on the user data record acquired in step S305, and the communication device 14 transmits the card issuance data to the card issuing device 4 (step S306). The card issuance data includes at least a user identification number (value set in the user identification number 501) and first credit card information (value set in the temporary credit card information 504). Optionally, the card issuance data may include a valid start date and a valid end date (values set at the valid start date 505 and valid end date 506).

Next, when the card issuing device 4 receives the card issuing data, it creates and issues a cashless payment card based on the user identification number included in the card issuing data (step S307). Further, the card issuing device 4 issues the first credit card based on the temporary credit card information included in the card issuing data. Both cashless payment cards and first credit cards have IC chips or magnetic stripes that store or encode information such as user identification numbers (optionally valid start and end dates). Is stored or encoded).

As described above, the card issuance process according to the present embodiment has been described. According to the card issuance process according to the embodiment, for example, by installing the card issuing device 4 at an airport or the like, when a user who is a foreigner visiting Japan arrives in Japan, cashless payment can be used during the period of stay. You can receive cards and so on. In the present embodiment, both the first credit card and the cashless payment card are issued, but only the first credit card may be issued, or only the cashless payment card is issued. May be good. In the latter case, the first credit card has only information such as a card number, and there is no physical card medium.

Further, in the present embodiment, as a preliminary step of the payment process described later, an example of issuing a cashless payment card as a cashless payment means used by the user to perform cashless payment in the payment system 100 has been described. However, cashless payment means are not limited to such card media. For example, the cashless payment means may be a client computer 3 in which an application program corresponding to a payment process described later is executed. In this case, in step S306 described with reference to FIG. 3, data corresponding to the card issuance data is transmitted to the client computer 3, and the data is stored in the client computer 3.

<Payment processing>
Next, with reference to FIG. 6, an example of payment processing for a user to perform cashless payment using a cashless payment means will be described. In the process of FIG. 6, the user makes a cashless payment using a cashless payment means at a member store affiliated with the first service provider.

The cashless payment means is charged in units of a predetermined amount through payment by the first credit card, and when the charge balance is insufficient, the predetermined amount is recharged. In the following description, an example will be shown in which a user makes a payment using a cashless payment means and the cashless payment means is charged. It is assumed that the cashless payment means stores the charge balance in an IC chip or the like.

In reality, a limit is set for payment using a cashless payment means, but the limit is not considered in this embodiment. Further, in the cashless payment means, a process of calculating the charge balance based on the payment amount is executed, but such a process is not considered.

First, when the user makes a cashless payment, the input device 25 of the client computer 2 acquires the payment amount input from the cash register device or the like, and at least the charge balance and the user identification are performed from the cashless payment means. Obtain the number (step S601). The charge balance and the user identification number are obtained, for example, by the client computer 2 (cash register device or the like) reading an IC chip attached to a cashless payment means (smartphone or IC card or the like).

In the process of step S601, when the cashless payment means stores the effective start date and the effective end date, the client computer 2 may determine whether or not the cashless payment means is effective. This determination is made by comparing the effective start date and effective end date stored in the cashless payment means with the date on which this step is executed. When it is determined that the cashless payment means is not effective, the client computer 2 limits the use of the cashless payment means by outputting an error message or the like.

Next, the control device 21 determines whether the cashless payment means needs to be charged based on the payment amount and the balance acquired in step S601 (step S602). When charging is required, payment data including at least the charge amount and the user identification number is generated, and the communication device 24 transmits the payment data to the server computer 1 (step S603). The charge amount may be a predetermined amount or an amount set by the user. When the user sets the charge amount, for example, the charge amount can be input by the input interface 400 described above, and the charge amount is reflected in the cashless payment means.

Next, when the communication device 14 of the server computer 1 receives the payment data, the control device 11 acquires the target user data record from the user data table 500 based on the user identification number included in the payment data. (Step S604). At this time, the control device 11 determines whether the cashless payment means is effective based on the valid start date (valid start date 505) and valid end date (valid end date 506) included in the user data record. You may.

Next, the control device 11 is based on the charge amount included in the payment data received in step S604 and the temporary (first) credit card information (account number, etc.) included in the user data record acquired in step S604. , Generate fund transfer data (step S605). The fund transfer data is data that specifies that the payment amount is deducted from the user's account and the debit amount is deposited in the account of the credit card issuing company in the conventional credit card payment. Direct debit data includes payment amount, direct debit account information, and direct debit account information.

In the present embodiment, the first account is designated as the withdrawal destination account, and the account (second account) used by the service provider to collect the payment amount in the credit card payment is designated as the deposit destination account. That is, the fund transfer data generated in step S605 includes the charge amount included in the settlement data received in step S604 as the settlement amount. Further, the fund transfer data includes the account information (first account) of the temporary (first) credit card information included in the user data record acquired in step S604 as the debit destination account information. Further, the fund transfer data includes the account information corresponding to the second account as the deposit destination account information. The account information corresponding to the account of the first service provider is stored in the storage device 13 in advance.

Next, the communication device 14 transmits the fund transfer data generated in step S605 to the bank system 300 (step S606). By this process, the payment amount corresponding to the charge amount charged to the cashless payment means is deducted from the first account and deposited in the second account.

Next, the control device 11 is based on the charge included in the payment data received in step S604 and the user (second) credit card information (card number, etc.) included in the user data record acquired in step S604. , Generate billing data (step S607).

By the process of step S606, the settlement amount corresponding to the charge amount is deducted from the first account, but in this process, it is not deducted from the account held by the user and the user cannot pay the charge amount. The billing data is data for billing the settlement amount to the second service provider. That is, the billing data is paid from the second service provider to the first service provider through the second credit card payment held by the user. The format of the billing data has a format agreed between the payment system 100 and the payment system 200, but includes at least the payment amount, the first credit card information, and the account information corresponding to the second account.

Next, the communication device 14 transmits the billing data generated in step S607 to the payment system 200 (step S608). By this process, the payment amount corresponding to the charge amount charged in the cashless payment means is deposited from the account of the second service provider to the first account. The deposit method may be any remittance method such as direct debit or direct debit.

Next, the control device 11 sets the payment data record in the payment data table 700 based on the payment amount included in the payment data received in step S604 and the user identification number included in the user data record acquired in step S604. Is stored (step S609). The settlement data table 700 is a database table implemented in the database table 13a.

FIG. 7 is a diagram showing an example of the settlement data table 700. The payment data table 700 has a data record for each payment made by the user. As shown in FIG. 7, the payment data table 700 includes a user identification number 701, a payment amount 702, and a status 703 as data items. For the user identification number 701 and the payment amount 702, the payment amount included in the payment data received in step S604 and the user identification number included in the user data record acquired in step S604 are set respectively. The status 703 is set to, for example, "billed: 1" at the stage of step S609.

The payment data table 700 can manage whether or not the payment amount corresponding to the payment made by the user has been billed and paid at the timing when the server computer 1 transmits the billing data. Therefore, the status 703 of the settlement data table 700 is set to, for example, "2: Deposited" by the control device 11 at the timing when the payment is made to the first account by the second service provider.

As described above, the payment system 100 according to the present embodiment has been described. According to the payment system 100, the cashless payment means is associated with a temporarily issued first credit card and is charged through payment by the first credit card. In addition, the payment amount corresponding to the charge amount is collected through the payment by the second credit card held by the user. Therefore, for example, even a user who does not have credit information in Japan, such as a foreigner visiting Japan, can make a cashless payment by an auto-charge method using a transportation IC card or the like.

In the present embodiment, an example of using a cashless payment means has been described, but it is not always essential to use the cashless payment means. The payment system 100 is also applied to a case where a first credit card is used to make a credit card payment at a store or the like. In this case, in step S601, the input device 25 of the client computer 2 acquires the first credit card information (credit card number). Optionally, the control device 21 may determine whether the first credit card is valid based on the valid start date and valid end date stored in the first credit card.

Further, in the above-mentioned case, when the communication device 14 of the server computer 1 receives the payment data, the control device 11 receives the target user data from the user data table 500 based on the user identification number included in the payment data. Acquire a record (step S604). At this time, the control device 11 determines whether the first credit card is valid based on the valid start date (valid start date 505) and valid end date (valid end date 506) included in the user data record. You may judge. Further, the payment data transmitted in step S603 includes the first credit card information. In step S604, the user data record is acquired based on the first credit card information.

In the payment system 100, by issuing a temporary credit card to the user, payment by the credit card becomes possible even in a store where the credit card owned by the user cannot be used.

It should be noted that in the above embodiments, the explanatory processing and hardware components are merely exemplary, and other configurations are possible. Further, the order of processing described in the above embodiment does not necessarily have to be executed in the order described, and may be executed in any order. In addition, additional steps may be added without departing from the basic concept of the present invention.

Further, the payment system 100 is implemented by a computer program executed by the server computer 1, and the computer program may be stored in a non-temporary storage medium. Examples of non-temporary storage media include read-only memory (ROM), random access memory (RAM), registers, cache memory, semiconductor memory devices, magnetic media such as internal hard disks and removable disk devices, optomagnetic media, and Includes optical media such as CD-ROM discs and digital versatile discs (DVDs).

1 Server computer 2 Client computer 3 Client computer 4 Card issuing device 5 Network 100 Payment system 200 Payment system 300 Bank system

Claims (9)

A method performed by a computer device that processes a payment by a user using a first credit card, wherein the payment amount in the payment is deducted from the first account and the computer device is the first. The first credit card information corresponding to the credit card of the above, the first account information corresponding to the first account , and the second credit card information corresponding to the second credit card are associated and stored in the storage device. Then, the second account information corresponding to the second account for collecting the payment amount is stored in the storage device.
A step of receiving payment data including the payment amount and the first credit card information, and
A step of acquiring the second account information from the storage device and acquiring the first account information and the second credit card information from the storage device based on the first credit card information.
It is a step of generating account transfer data based on the settlement amount , the first credit card information, the first account information, and the second account information, and the account transfer data is the debit destination account. A step and a step including the first account information as information and the second account information as deposit destination account information.
The step of transmitting the fund transfer data to the banking system that provides the fund transfer service, and
A step of generating billing data based on the payment amount , the second credit card information , and the first account information , wherein the billing data is the information for billing the payment amount. The step and the step including the credit card information of 2 and the first account information as the deposit destination account information,
A method comprising: sending the billing data to a payment system that provides a payment service using a credit card. A method executed by a computer device that processes a payment using a cashless payment means by a user, wherein the payment amount in the payment is deducted from the first account, and the cashless payment means is the first. Associated with the credit card, the computer device comprises a user identification number, a first credit card information corresponding to the first credit card, and a first account information corresponding to the first account . The second credit card information corresponding to the second credit card is stored in the storage device in association with the second credit card information, and the second account information corresponding to the second account for collecting the payment amount is stored in the storage device. ,
A step of receiving payment data including the payment amount and the user identification number, and
The second account information is acquired from the storage device , and the first credit card information , the first account information, and the second credit card information are stored in the storage device based on the user identification number. And the steps to get from
It is a step of generating account transfer data based on the settlement amount , the first credit card information, the first account information, and the second account information, and the account transfer data is the debit destination account. A step and a step including the first account information as information and the second account information as deposit destination account information.
The step of transmitting the fund transfer data to the banking system that provides the fund transfer service, and
It is a step of generating billing data based on the payment amount and the second credit card information, and the billing data is the second credit card information and payment as information for billing the payment amount. A step that includes the first account information as the destination account information, and
A method comprising: sending the billing data to a payment system that provides a payment service using a credit card. The computer device further associates the valid start date and the valid end date of the first credit card and stores them in the storage device.
A step of acquiring the valid start date and the valid end date from the storage device based on the first credit card information, and
The method according to claim 1, further comprising a step of determining whether the first credit card is valid based on the valid start date and the valid end date. The computer device further associates the effective start date and the effective end date of the cashless payment means and stores them in the storage device.
A step of acquiring the effective start date and the effective end date from the storage device based on the user identification number, and
The method according to claim 2, further comprising a step of determining whether the cashless payment means is valid based on the valid start date and the valid end date. The step of assigning the credit card number corresponding to the first credit card and
The step of generating card issuance data including the credit card number and
The method according to any one of claims 1 or 3 , further comprising a step of transmitting the card issuance data. The step of assigning the user identification number and
The step of generating card issuance data including the user identification number and
The method according to any one of claims 2 or 4 , further comprising a step of transmitting the card issuance data. A program comprising causing a computer to execute the method according to any one of claims 1 to 6. A computer-readable storage medium comprising recording the program according to claim 7. A computing device including a processor and a memory, wherein the memory records a program that causes the processor to execute the method according to any one of claims 1 to 6.

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