JP6946538B2 - Payment management system, payment management method and payment management program - Google Patents

Description

The present invention relates to a payment management system, a payment management method and a payment management program for managing payments due to a plurality of withdrawals from one account.

By managing the funds of a company having a plurality of related organizations in one account, the funds of the company can be managed collectively. Here, a technique for collectively withdrawing a large number of related organizations of the payer from the designated debit account of the account transfer designated by the payer as the representative organization to the storage institution is being studied (for example). See Patent Document 1). In this technique, a large number of related organizations of the payer are collectively withdrawn from the designated debit account of the account transfer designated by the payer as the representative organization. Here, a virtual withdrawal designated account is assigned to each of a large number of related organizations, and the virtual account number of the virtual withdrawal designated account is readablely linked to the account number of the withdrawal designated account designated by the payer.

In addition, when using a credit card, a purchasing card service is also being considered (see, for example, Patent Document 2). This technology uses a virtually set credit card number without issuing a plastic card.

JP-A-2002-15137 Japanese Unexamined Patent Publication No. 2008-122386

In the technique described in Patent Document 1, the timing of withdrawal of the storage organization may be different. If the time of withdrawal from the corporate account is different, fund management becomes complicated. In addition, when using automatic withdrawal, there are some storage institutions that do not accept credit cards. And it is complicated if the withdrawal of each related organization in the company cannot be centrally managed.

The payment management system that solves the above problems includes a control unit that acquires a withdrawal history of a request for a plurality of virtual accounts opened in a bank system as a withdrawal account from a user's second account, and a first user's first payment management system. For the account identifier of the virtual account as the withdrawal account of the credit card used for payment of the storage destination, the payment purpose of the first storage destination is memorized, and the account transfer used for payment of the second storage destination. It is provided with an account information storage unit that stores the payment purpose of the second storage destination for the account identifier of the virtual account used for. Then, the control unit obtains the dispensing history of the second account, the card payment or the debit of the credit card, the virtual account identifier included in the dispensing history, using the account information storage unit Convert to payment and output.

According to the present invention, payments from one account can be efficiently managed.

Schematic diagram of the system of the embodiment. Explanatory drawing of hardware configuration example. Explanatory drawing of automatic withdrawal of embodiment. Explanatory drawing of the processing procedure of embodiment. It is explanatory drawing of the withdrawal time of embodiment, (a) is a normal withdrawal time, (b) is an explanatory diagram at the time of using a card.

Hereinafter, an embodiment in which the payment management system, the payment management method, and the payment management program are embodied will be described with reference to FIGS. 1 to 5. In the present embodiment, it is assumed that a bill to a plurality of bases (related organizations) is paid from a corporate account (account of a controlling organization) using an automatic withdrawal service or a credit card (credit card).

As shown in FIG. 1, in the payment management method of the present embodiment, a storage institution system 10, a bank system 20, a credit card company system 30, and a management system 40 that are interconnected via a network are used.

(Hardware configuration example)
FIG. 2 is a hardware configuration example of the information processing device H10 that functions as the storage engine system 10 to the management system 40 and the like.

The information processing device H10 includes a communication device H11, an input device H12, a display device H13, a storage unit H14, and a processor H15. Note that this hardware configuration is an example, and other hardware may be included.

The communication device H11 is an interface that establishes a communication path with another device and executes data transmission / reception, such as a network interface card or a wireless interface.

The input device H12 is a device that receives input from a user or the like, and is, for example, a mouse, a keyboard, or the like. The display device H13 is a display, a touch panel, or the like that displays various information.

The storage unit H14 is a storage device (for example, an account information storage unit 22, a virtual account information storage unit 23, and card information, which will be described later) that stores data and various programs for executing various functions of the storage organization system 10 to the management system 40. Storage unit 32, virtual account information storage unit 42, payment information storage unit 43). An example of the storage unit H14 is a ROM, a RAM, a hard disk, or the like.

The processor H15 controls each process in the storage institution system 10 to the bank system 20 (for example, the process in the account management unit 21 and the control unit 41 described later) by using the program or data stored in the storage unit H14. Examples of the processor H15 include a CPU, an MPU, and the like. The processor H15 expands a program stored in a ROM or the like into a RAM and executes various processes corresponding to various processes. For example, when the application program of the storage organization system 10 to the management system 40 is started, the processor H15 operates a process for executing each process shown in FIG. 4 to be described later.

The processor H15 is not limited to the one that performs software processing for all the processing executed by itself. For example, the processor H15 may include a dedicated hardware circuit (for example, an integrated circuit for a specific application: ASIC) that performs hardware processing for at least a part of the processing executed by the processor H15. That is, the processor H15 is (1) one or more processors that operate according to a computer program (software), (2) one or more dedicated hardware circuits that execute at least a part of various processes, or ( 3) It can be configured as a circuitry including a combination thereof. The processor includes a CPU and a memory such as a RAM and a ROM, and the memory stores a program code or a command configured to cause the CPU to execute a process. Memory or computer-readable medium includes any available medium accessible by a general purpose or dedicated computer.

(Functions of each information processing device)
The functions of the storage engine system 10 to the management system 40 will be described with reference to FIG.
The storage organization system 10 is a computer system used by a storage organization (storage destination) that provides a service and stores a fee for the service according to a contract with a related organization of the company. The storage organization includes a storage organization for utility charges such as electricity, gas, and water, as well as various companies that have transactions with related organizations of the company. The person in charge of the controlling organization uses the storage institution system 10 to make a payment request to a predetermined payee. In the present embodiment, it is assumed that the storage institution collects the charges by using automatic direct debit, credit card payment, or the like provided by the bank.

The bank system 20 is a computer system of a financial institution that manages the accounts of customers of the financial institution. The bank system 20 includes an account management unit 21, an account information storage unit 22, and a virtual account information storage unit 23.

The account management unit 21 executes a process of managing an account opened in a financial institution. The account management unit 21 acquires an account withdrawal request from the storage institution, and withdraws the storage amount acquired from the storage institution from the withdrawal account of the user who uses the automatic withdrawal service. In the present embodiment, the storage institution also includes a credit card company, and in the account withdrawal request of the credit card company system 30, the account withdrawal request with the virtual account as the withdrawal account is also included.

The account information storage unit 22 records account management information for managing an actual account opened in a financial institution. In this account management information, account identifier information, account holder information, balance information, and deposit / withdrawal history are recorded.

In the account identifier information area, data related to an identifier (head office code, deposit type, account number) for identifying a real account opened in a financial institution is recorded.
In the account holder information area, data regarding an identifier for identifying the holder of this account is recorded.

Data regarding the balance of this account is recorded in the balance information area.
In the deposit / withdrawal history information area, history information of deposits / withdrawals to this account and withdrawals from this account (deposit / withdrawal date, amount, remarks, etc.) is recorded. For withdrawals from the virtual account, the account identifier of this virtual account is recorded as a remark in the deposit / withdrawal history.

The virtual account information storage unit 23 records virtual account management information for managing virtual accounts opened in financial institutions. Virtual account identifier information and real account identifier information are recorded in this virtual account management information.

In the virtual account identifier information area, data regarding an account identifier (head office code, deposit type, account number) for identifying a virtual account (first account) opened in a financial institution is recorded.
In the real account identifier information area, data regarding an account identifier (head office code, deposit type, account number) for identifying the real account (second account) associated with this virtual account is recorded. Withdrawals from this virtual account will be withdrawn from the real account. In addition, the funds deposited in the virtual account are deposited in the real account.

The credit card company system 30 is a computer system of a company that provides a credit card credit service. The credit card company system 30 includes a card management unit 31 and a card usage information storage unit 32.

The card management unit 31 acquires the credit card usage information and records it in the card usage information storage unit 32.
The card usage information storage unit 32 records usage management information for managing the usage status of the credit card provided to the user. Card information, user information, credit line information, payment information, and usage history are recorded in this usage management information.

In the card information area, data regarding an identifier, an expiration date, and a security code for identifying the credit card provided to the user are recorded. This credit card also includes a virtual card that does not provide the user with a plastic card but provides only the card information necessary for using the credit card.

In the user information area, data regarding an identifier for identifying the holder of this credit card is recorded. In the present embodiment, the company becomes the holder and provides the card identifier to each related organization.

The payment information area records data about an identifier for identifying a withdrawal account for this credit card payment.
Data regarding the credit card usage limit is recorded in the credit line information area.
In the usage history data area, history information of payment using this credit card is recorded.

The management system 40 is a computer system used by a corporate control organization. The management system 40 includes a control unit 41, a virtual account information storage unit 42, and a payment information storage unit 43.

The control unit 41 functions as a setting unit 410, an acquisition unit 411, and a matching unit 412 by executing the payment management program.
The setting unit 410 executes a process of setting a virtual account for managing payment.
The acquisition unit 411 executes a process of acquiring the deposit / withdrawal history information of the corporate account from the bank system 20.
The matching unit 412 executes a process of specifying the use of each withdrawal in the acquired deposit / withdrawal history information.

The virtual account information storage unit 42 records virtual account management information regarding a virtual account opened by the controlling organization at a financial institution. Virtual account management information is recorded when a virtual account opened at a financial institution is registered. Account identifier information, card identifier information, related organization information, and usage information are recorded in the virtual account management information.

In the account identifier information area, data related to an identifier (head office code, deposit type, account number, etc.) for identifying a virtual account is recorded.
In the card identifier information area, when credit card payment is possible at the storage institution, data regarding an identifier for identifying the credit card used for payment is recorded. If credit card payment is not possible at the storage institution, leave this information area blank.

In the related organization information area, data regarding an identifier for identifying the related organization that uses this virtual account for payment is recorded.
In the usage information area, data regarding an identifier for identifying the use of the virtual account for payment in this related organization is recorded. The purpose of payment can be specified by the related organization and purpose of use.

As shown in FIG. 3, the virtual accounts 101 to 106 are set as "A base / electricity bill" to "E base / advertising cost", respectively. Here, when the electric power company D to the advertising company F can pay by credit card, the electric power company D to the advertising company F pay using the cards d to f. In this case, virtual accounts 104 to 106 are used as the withdrawal accounts of the cards d to f, respectively.

The payment information storage unit 43 records payment management information regarding payment using a virtual account. The payment management information is recorded when the deposit / withdrawal history of the corporate account acquired from the bank system 20 is matched. The payment management information records data on related organizations, uses, payment dates, and payment amounts.

In the related organization data area, data regarding an identifier for identifying the related organization is recorded.
In the usage data area, data regarding an identifier for identifying the usage of payment is recorded.
In the payment date data area, data regarding the date on which the payment was made is recorded.
Data regarding the payment amount is recorded in the payment amount data area.

(Payment processing)
Next, the payment process will be described with reference to FIGS. 4 to 5. When managing payments in related organizations in the controlling organization, the person in charge of the controlling organization accesses the management system 40 by using the storage institution system 10.

(Registration of management information)
First, the control unit 41 of the management system 40 performs a virtual account opening process (step S1-1). Specifically, in the management system 40, when an instruction to open a virtual account is input using the input device H12, the setting unit 410 of the control unit 41 sets the bank system 20 into the actual account of the controlling organization. Request the opening of a virtual account. In this case, the banking system 20 registers the virtual account management information in the virtual account information storage unit 23 based on the request from the controlling organization and associates it with the actual account of the controlling organization. The setting unit 410 acquires the account identifier of the virtual account from the bank system 20.

Next, the control unit 41 of the management system 40 performs an association process between the virtual account and the payee (step S1-2). Specifically, the setting unit 410 of the control unit 41 generates virtual account management information including an account identifier in the virtual account information storage unit 42 and registers it in the virtual account information storage unit 42. In this case, the person in charge of the controlling organization assigns the usage of each related organization to the virtual account. Then, when the assigned related organization and the purpose of use are input using the input device H12 of the management system 40, the setting unit 410 allocates the related organization to the virtual account management information recorded in the virtual account information storage unit 42. , Record the purpose of use.

Next, the control unit 41 of the management system 40 determines whether or not to pay by credit card (step S1-3). Specifically, the setting unit 410 of the control unit 41 outputs the payment method setting screen to the display device H13 of the management system 40. This payment method setting screen is provided with a payment method selection field for the storage institution to be paid. In this case, the person in charge of the controlling organization selects either credit card payment or automatic direct debit on the payment method setting screen using the input device H12 of the management system 40.

When credit card payment is not permitted at the storage destination and automatic direct debit is selected, the control unit 41 of the management system 40 performs automatic direct debit setting processing (step S1-4). Specifically, the setting unit 410 of the control unit 41 transmits a payment setting request to the storage institution system 10. This payment setting request includes information on the base where the service is used and information on the virtual account identifier of the virtual account used for payment. In this case, the storage institution system 10 records the payment method (account transfer) and the account information for which the usage fee is deducted in association with the user information (base).

On the other hand, if credit card payment is possible at the storage destination and credit card payment is selected, the control unit 41 of the management system 40 performs a card issuance process using the virtual account as the payment account (step S1-). 5). Specifically, the setting unit 410 of the control unit 41 transmits a credit card issuance request to the credit card company system 30. This issuance request includes information about the account identifier of the virtual account as the payment account for the credit card usage fee. Then, the setting unit 410 acquires the card information (card identifier, expiration date, security code) from the credit card company system 30.

Next, the control unit 41 of the management system 40 performs a card payment setting process (step S1-6). Specifically, the setting unit 410 of the control unit 41 transmits a payment setting request to the storage institution system 10. This payment setting request includes information on the base where the service is used and information on the credit card used for payment. In this case, the storage institution system 10 records the payment method (credit card payment) and the card information for charging the usage fee in association with the user information (base).

(Payment request)
Then, the storage institution system 10 processes the usage fee billing (step S1-7). Specifically, the storage institution system 10 calculates the billing amount according to the usage from the previous billing time to the current billing time. When "direct debit" is set as the payment method, the storage institution system 10 transmits a direct debit request to the bank system 20. This account withdrawal request includes information on the account identifier of the user's withdrawal account (virtual account) and the billing amount.

On the other hand, when "credit card payment" is set as the payment method, the storage institution system 10 transmits a payment request to the credit card company system 30. This payment request includes information about the card identifier of the user's credit card and the amount billed.

Further, the credit card company system 30 transmits a withdrawal request to the bank system 20 when the credit card is paid. This account withdrawal request includes information on the account identifier of the credit card usage fee payment account (virtual account) and the billing amount.

Next, the account management unit 21 of the banking system 20 performs the account withdrawal process (step S1-8). Specifically, the account management unit 21 identifies the real account associated with the virtual account in the virtual account information storage unit 23. Then, the account management unit 21 deducts the billed amount from the balance of the actual account recorded in the account information storage unit 22. In this case, the account management unit 21 records the withdrawal history information in the deposit / withdrawal history of the account management information of the actual account in the account information storage unit 22. This withdrawal history information includes information on the account identifier of the invoiced virtual account and the invoiced amount (withdrawal amount). Then, the account management unit 21 deposits the withdrawal amount into the billing account.

(Payment management)
Next, the control unit 41 of the management system 40 performs a payment detail acquisition process (step S1-9). Specifically, the acquisition unit 411 of the control unit 41 acquires the deposit / withdrawal history of the account management information of the actual account from the account information storage unit 22 of the bank system 20.

Next, the control unit 41 of the management system 40 performs a process of specifying the purpose of use (step S1-10). Specifically, when the account identifier of the virtual account is recorded in the deposit / withdrawal history, the matching unit 412 of the control unit 41 receives the related organization associated with the account identifier from the virtual account information storage unit 42. Get the purpose. Then, the matching unit 412 outputs the payment management information in which the withdrawal amount is associated with the related organization and the purpose of use, and records it in the payment information storage unit 43.

According to this embodiment, the following effects can be obtained.
(1) In the present embodiment, the control unit 41 of the management system 40 performs a virtual account opening process (step S1-1) and an association process between the virtual account and the payee (step S1-2). Then, the control unit 41 of the management system 40 performs a payment detail acquisition process (step S1-9) and a usage identification process (step S1-10). This makes it possible to identify the base and use of each payment using a virtual account.

(2) In the present embodiment, when credit card payment is not permitted at the storage destination and automatic direct debit is selected, the control unit 41 of the management system 40 performs automatic direct debit setting processing (2). Step S1-4). As a result, when credit card payment is not possible, the base and use of each payment can be specified using the virtual account withdrawn by the storage institution.

(3) In the present embodiment, credit card payment is possible at the storage destination, and when credit card payment is selected, the control unit 41 of the management system 40 uses a virtual account as the payment account for card issuance processing ( Step S1-5) and card payment setting process (step S1-6) are performed. As a result, it is possible to summarize the withdrawal time of payment to the storage institution.

For example, as shown in FIG. 5A, when the virtual account is used as the withdrawal account of the storage institution, the withdrawal time may differ depending on the storage institutions A to C. On the other hand, as shown in FIG. 5B, when the payment to the storage institutions D to F is a credit card payment, each withdrawal time can be summarized in the credit card withdrawal time. Then, since the credit card is used for credit until the credit card withdrawal time, the balance management of the actual account can be made more efficient.

This embodiment can be modified and implemented as follows. The present embodiment and the following modified examples can be implemented in combination with each other within a technically consistent range.
-In the above embodiment, the control unit 41 of the management system 40 performs an association process between the virtual account and the payee (step S1-2). When credit card payment is possible at the storage destination and credit card payment is selected, the control unit 41 of the management system 40 performs a card issuance process using the virtual account as the payment account (step S1-5). The association between the virtual account and the payee, the order of card issuance, the opening time of the virtual account, and the card issuance time are not limited to this. Each credit card and each virtual account may be individually associated, and for example, the virtual account may be opened and the card may be issued at the same time. Then, when a credit card having a virtual account as a withdrawal account is prepared in advance and the payee is determined, the virtual account and the payee may be associated with each other.

-In the above embodiment, the control unit 41 of the management system 40 associates the virtual account with the card information in a one-to-one correspondence in the association process (step S1-2) between the virtual account and the payee. The method of association is not limited to this. For example, one virtual account may be used as a withdrawal account for a plurality of credit cards. In this case, the transaction details may be obtained from the credit card company system 30 and the base and the purpose of use may be specified by the transaction details.
-In the above embodiment, the storage engine system 10 to the management system 40 are used. If a virtual account can be set as a credit card withdrawal account, the hardware configuration is not limited to these. For example, each function of the management system 40 may be realized by a different system.

10 ... Storage institution system, 20 ... Bank system, 21 ... Account management department, 22 ... Account information storage unit, 23 ... Virtual account information storage unit, 30 ... Credit card company system, 31 ... Card management department, 32 ... Card usage information Storage unit, 40 ... management system, 41 ... control unit, 410 ... setting unit, 411 ... acquisition unit, 412 ... matching unit, 42 ... virtual account information storage unit, 43 ... payment information storage unit.

Claims (4)

A control unit that acquires the withdrawal history of withdrawals from the user's second account for bills that use multiple virtual accounts opened in the banking system as withdrawal accounts.
The payment purpose of the first storage destination is stored for the account identifier of the virtual account as the withdrawal account of the credit card used for the payment of the first storage destination by the user, and the payment of the second storage destination is performed. It is a payment management system provided with an account information storage unit that stores the payment purpose of the second storage destination for the account identifier of the virtual account used for fund transfer.
The control unit
For a credit card issued by setting a virtual account as a withdrawal account for payment of the first storage destination, the withdrawal history of the second account corresponding to the request with the virtual account as the withdrawal account is acquired. death,
A payment management system for card payment of a credit card or fund transfer, wherein a virtual account identifier included in the withdrawal history is converted into a payment purpose using the account information storage unit and output. The control unit
The process of issuing the credit card is executed together with the setting of the virtual account as the withdrawal account of the credit card used for payment of the first storage destination.
The payment management system according to claim 1, wherein the user is provided with the account identifier of the virtual account and the credit card information of the credit card. A control unit that acquires the withdrawal history of withdrawals from the user's second account for bills that use multiple virtual accounts opened in the banking system as withdrawal accounts.
The payment purpose of the first storage destination is stored for the account identifier of the virtual account as the withdrawal account of the credit card used for the payment of the first storage destination by the user, and the payment of the second storage destination is performed. This is a method of supporting payment by using a payment management system equipped with an account information storage unit that stores the payment purpose of the second storage destination for the account identifier of the virtual account used for fund transfer. hand,
The control unit
A virtual account as a withdrawal account was set up and issued for payment of the first storage destination.
For the credit card, acquire the withdrawal history of the second account according to the request with the virtual account as the withdrawal account,
A payment management method for card payment of a credit card or fund transfer, wherein a virtual account identifier included in the withdrawal history is converted into a payment purpose using the account information storage unit and output. A control unit that acquires the withdrawal history of withdrawals from the user's second account for bills that use multiple virtual accounts opened in the banking system as withdrawal accounts.
The payment purpose of the first storage destination is stored for the account identifier of the virtual account as the withdrawal account of the credit card used for the payment of the first storage destination by the user, and the payment of the second storage destination is performed. It is a program that supports payment by using a payment management system equipped with an account information storage unit that stores the payment purpose of the second storage destination for the account identifier of the virtual account used for fund transfer. hand,
The control unit
For a credit card issued by setting a virtual account as a withdrawal account for payment of the first storage destination, the withdrawal history of the second account corresponding to the request with the virtual account as the withdrawal account is acquired. death,
Payment characterized in that the virtual account identifier included in the withdrawal history is converted into a payment purpose by using the account information storage unit and functions as a means for outputting the card payment of the credit card or the account transfer. Management program.

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