JP7066904B1 - Prepaid service delivery systems, methods, and programs - Google Patents

Abstract

PROBLEM TO BE SOLVED: To realize payment by a prepaid card while leaving funds in the account of a member of the prepaid card.
SOLUTION: In a prepaid service providing system according to an embodiment of the present invention, a charge receiving unit that accepts an application for charging to a prepaid card and an amount deposited in a charging account are equal to or greater than the amount for which the charge is applied. If this is the case, a prepaid card management unit that enables the use of the amount of money for which the charge has been applied is provided.
[Selection diagram] FIG. 4

Description

The present invention relates to prepaid service delivery systems, methods, and programs.

Conventionally, a prepaid card, which is a kind of prepaid payment method, is known. With prepaid card payments, prepaid card members can receive goods and services within the pre-charged amount. For example, a member of a prepaid card can charge the prepaid card by transferring funds to the account of the provider of the payment service.

Japanese Unexamined Patent Publication No. 2015-203949

However, when charging a prepaid card by transferring the funds to the account of the payment service provider, the member of the prepaid card will transfer the funds from his own account to the account of another person. If the member of the prepaid card is a legal entity (that is, a corporate prepaid card), the transfer of funds to another person's account may be reluctant in terms of balance management.

Therefore, an object of the present invention is to realize payment by a prepaid card while leaving funds in the account of a member of the prepaid card.

In the prepaid service providing system according to the embodiment of the present invention, when the charge receiving unit that accepts the application for charging to the prepaid card and the amount deposited in the charging account is equal to or greater than the amount for which the charging is applied. It is equipped with a prepaid card management unit that enables the use of the amount of money for which the charge has been applied.

According to the present invention, payment by a prepaid card can be realized while leaving funds in the account of a member of the prepaid card.

It is a figure for demonstrating the outline which concerns on one Embodiment of this invention. It is a figure for demonstrating the money flow between accounts which concerns on one Embodiment of this invention. It is a figure which shows the whole structure which concerns on one Embodiment of this invention. It is a functional block diagram of the prepaid service provision system which concerns on one Embodiment of this invention. It is a flowchart of the prepaid service provision process which concerns on one Embodiment of this invention. It is an example of the charge account information which concerns on one Embodiment of this invention. It is a figure which shows the hardware configuration of the prepaid service provision system which concerns on one Embodiment of this invention.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

<Explanation of terms>
-In this specification, the "prepaid card" is a payment method that allows a member of the prepaid card to receive goods and services within the range of the pre-charged amount by presenting it to the member store. .. The function of the prepaid card may be implemented by the card or by an application program of a terminal such as a smartphone. Although the present specification describes the case where the member of the prepaid card is a corporation (that is, the case of a prepaid card for a corporation), the member of the prepaid card may be an individual (that is, a prepaid card for an individual).
-In this specification, "charge" means to pay in advance so that the prepaid card can be used.
-In this specification, "enabling the use of a prepaid card" means that the funds for payment with the prepaid card can be transferred from the charging account to the deposit account of the prepaid service provider (that is, prepaid). Card members will be able to receive goods and services at member stores).
-In this specification, the "charge account" is an account into which funds for settlement with a prepaid card are deposited.

<Overview>
FIG. 1 is a diagram for explaining an outline according to an embodiment of the present invention. The prepaid service provider 1 enables the prepaid card member 2 to receive goods and services at the member store 3 within the range of the amount charged in the prepaid card in advance.

The prepaid service provider 1 is a company that provides a payment service using a prepaid card (for example, a company that issues a prepaid card).

The prepaid card member 2 is a person who receives a payment service using a prepaid card provided by the prepaid service provider 1. For example, it is assumed that the prepaid card member 2 is a corporation and each employee of the company introducing the prepaid card uses each prepaid card.

The member store 3 is a store that provides goods and services to the prepaid card member 2 who has presented the prepaid card within the range of the prepaid amount. The member store may be a physical store or a store on the Internet.

In step 1 (S1), the prepaid card member 2 applies to the prepaid service provider 1 to charge the prepaid card.

In step 2 (S2), the prepaid card member 2 makes a deposit to the charging account in which the account holder is the prepaid card member 2. Specifically, the prepaid card member 2 moves from the deposit account in which the account holder is the prepaid card member 2 (that is, an account other than the charging account) to the charging account in which the account holder is the prepaid card member 2 S1. Transfer the amount of money you applied for to charge the prepaid card at.

In step 3 (S3), when the prepaid service provider 1 inquires that the payment to the charging account has been made in S2, the prepaid card can be used for the amount requested to be charged to the prepaid card. do.

In step 4 (S4), the prepaid card member 2 presents the prepaid card at the member store 3 to receive the goods and services.

In step 5 (S5), when the prepaid card is used in S4, the prepaid service provider 1 reduces the amount used in S4 from the charging account of the prepaid card member 2.

In step 6 (S6), the prepaid service provider 1 pays the member store 3 the amount used in S4 (that is, the amount reduced in S5).

<Gold flow between accounts>
FIG. 2 is a diagram for explaining a flow of money between accounts according to an embodiment of the present invention.

The prepaid service provider 1 tells the financial institution that the deposit account (prepaid card account) 1a1 whose account holder is the prepaid service provider 1 and the deposit account (payment account) whose account holder is the prepaid service provider 1. ) It is assumed that 1a2 and 1a2 have been opened. The prepaid service provider 1 may be composed of a plurality of companies or may be one company. When the prepaid service provider 1 is composed of a plurality of companies, the account holder of the deposit account (prepaid card account) 1a1 and the account holder of the deposit account (payment account) 1a2 may be different.

The deposit account (prepaid card account) 1a1 and the deposit account (payment account) 1a2 may be implemented by one account (deposit account 1a).

It is assumed that the prepaid card member 2 has opened a deposit account 2a in which the account holder is the prepaid card member 2 at the financial institution. Further, in the present invention, it is assumed that the prepaid card member 2 has opened a charging account 2b in which the account holder is the prepaid card member 2 at the financial institution. That is, a charging account 2b having the same CIF as the CIF (Customer Information File) of the deposit account 2a is opened.

It is assumed that the member store 3 has opened a deposit account 3a, which is the member store 3, in the financial institution by the account holder.

<< Charging account >>
Here, the charging account 2b will be described. The charge account 2b is an account into which funds for settlement with a prepaid card are deposited. The charge account 2b is a deposit account in which withdrawals other than withdrawals to the deposit account (prepaid card account) 1a1 of the prepaid service provider 1 are not possible. That is, the prepaid card member 2 cannot return the funds once deposited in the charging account 2b to the deposit account 2a.

It is assumed that the prepaid card is charged in step 11 (S11). Then, the amount of money requested to be charged to the prepaid card is transferred from the deposit account 2a of the prepaid card member 2 to the charging account 2b of the prepaid card member 2.

It is assumed that the prepaid card is used in step 12 (S12). Then, the usage amount is deducted from the charging account 2b of the prepaid card member 2, and the usage amount is deposited in the deposit account (prepaid card account) 1a1 of the prepaid service provider 1 (account transfer is performed).

In step 13 (S13), an account transfer is performed from the deposit account (prepaid card account) 1a1 of the prepaid service provider 1 to the deposit account (payment account) 1a2 of the prepaid service provider 1 (for example, weekly processing). ).

In step 14 (S14), an account transfer is performed from the deposit account (payment account) 1a2 of the prepaid service provider 1 to the deposit account 3a of the member store 3, and payment is made (for example, monthly processing).

<Overall configuration>
FIG. 3 is a diagram showing an overall configuration according to an embodiment of the present invention. The prepaid service providing system 10 and the member terminal 20 are connected to each other so as to be able to communicate with each other via an arbitrary network.

<< Prepaid service provision system >>
The prepaid service providing system 10 is a system for providing a payment service using a prepaid card. Specifically, the prepaid service providing system 10 enables the prepaid card member 2 to receive goods and services at the member store 3 within the range of the amount charged in advance to the prepaid card. The prepaid service providing system 10 is composed of one or a plurality of computers.

<< Member terminal >>
The member terminal 20 is a terminal used by a prepaid card member (for example, an administrator of a prepaid card introducing company) 2. For example, the member terminal 20 is a personal computer, a tablet, a smartphone, or the like.

FIG. 4 is a functional block diagram of the prepaid service providing system 10 according to the embodiment of the present invention. The prepaid service providing system 10 includes a charge receiving unit 101, a prepaid card information storage unit 102, a transfer unit 103, an inquiry unit 104, an account information storage unit 105, a prepaid card management unit 106, a payment unit 107, and the like. Can be provided. Further, the prepaid service providing system 10 can function as a charge receiving unit 101, a transfer unit 103, an inquiry unit 104, a prepaid card management unit 106, and a payment unit 107 by executing a program. Each will be described below.

The charge reception unit 101 accepts an application for charging the prepaid card. For example, the charge receiving unit 101 accepts an application for charging the prepaid card from the member terminal 20.

Specifically, the charge receiving unit 101 has data indicating the amount to be charged to each prepaid card (for example, 100,000 yen for the prepaid card 1 for employee 1 and 100,000 yen for the prepaid card 2 for employee 2). , 100,000 yen for the prepaid card 3 for employee 3, 100,000 yen for the prepaid card 4 for employee 4, 100,000 yen for the prepaid card 5 for employee 5, 10 for the prepaid card 6 for employee 6. 10,000 yen, 100,000 yen for prepaid card 7 for employee 7, 100,000 yen for prepaid card 8 for employee 8, 100,000 yen for prepaid card 9 for employee 9, prepaid card 10 for employee 10. To get 100,000 yen).

The charge receiving unit 101 writes the prepaid card information in the prepaid card information storage unit 102 according to the application for charging the received prepaid card. Specifically, the charge receiving unit 101 writes the amount to be charged to each prepaid card in the prepaid card information storage unit 102. When the writing of the prepaid card information to the prepaid card information storage unit 102 is completed, the charge receiving unit 101 notifies the prepaid card member 2 (for example, the member terminal 20) of the completion, and notifies the inquiry unit 104 of the completion.

The prepaid card information storage unit 102 contains an identifier of each prepaid card (for example, a card number), an amount charged in the prepaid card, an amount used by the prepaid card (usage amount), a balance of the prepaid card, and the like. Is associated and remembered.

The transfer unit 103 deposits money into the charging account 2b of the prepaid card member 2 according to the instructions of the prepaid card member (for example, the manager of the prepaid card introducing company) 2.

Specifically, the transfer unit 103 moves from the deposit account 2a in which the account holder is the prepaid card member 2 (that is, an account other than the charging account) 2a to the charging account 2b in which the account holder is the prepaid card member 2. Transfer the amount requested to charge the prepaid card.

The inquiry unit 104 inquires about the amount deposited in the charging account 2b. The inquiry unit 104 inquires about the amount deposited in the charge account 2b in real time (that is, immediately after receiving a notification from the charge reception unit 101 of the completion of writing the prepaid card information to the prepaid card information storage unit 102). can do.

The deposit account information 105a and the charge account information 105b are stored in the account information storage unit 105.

The deposit account information 105a includes information on deposit / withdrawal details of each deposit account.

The charge account information 105b includes information on deposit / withdrawal details of each charge account.

When the amount deposited in the charging account 2b is equal to or greater than the amount requested to be charged to the prepaid card, the prepaid card management unit 106 has written the prepaid card information in the prepaid card information storage unit 102 by the charge receiving unit 101. To update. As a result, the prepaid card management unit 106 can enable the use of the prepaid card for the amount written in the prepaid card information storage unit 102 (that is, the amount for which the prepaid card is requested to be charged). ..

If the member of the prepaid card is a corporation (that is, in the case of a prepaid card for a corporation), the application for charging the prepaid card is an application for charging each of the plurality of prepaid cards. When the amount deposited in the charging account 2b is equal to or greater than the total amount of the amount requested to be charged to each of the plurality of prepaid cards, the prepaid card management unit 106 indicates the amount requested to be charged to each prepaid card. Allows the use of each minute prepaid card.

Based on the data from the member store 3, the prepaid card management unit 106 reduces the amount of money used by the prepaid card member 2 to use the prepaid card at the member store 3 from the charge account 2b of the prepaid card member 2. Deposit to the deposit account (prepaid card account) 1a1 of the prepaid service provider 1 (account transfer is performed).

The payment unit 107 deposits the usage amount transferred from the deposit account (prepaid card account) 1a1 of the prepaid service provider 1 to the deposit account (payment account) 1a2 of the prepaid service provider 1 to the deposit of the member store 3. Deposit to account 3a (account transfer is performed).

<Processing method>
FIG. 5 is a flowchart of the prepaid service provision process according to the embodiment of the present invention.

In step 101 (S101), the charge receiving unit 101 accepts an application for charging the prepaid card. Specifically, the charge receiving unit 101 acquires data instructing the amount to be charged to each prepaid card.

In step 102 (S102), the charge receiving unit 101 writes the prepaid card information in the prepaid card information storage unit 102 according to the application for charging the prepaid card received in S101. Specifically, the charge receiving unit 101 writes the amount to be charged to each prepaid card in the prepaid card information storage unit 102.

When the writing of the prepaid card information to the prepaid card information storage unit 102 is completed, the charge receiving unit 101 notifies the prepaid card member 2 (for example, the member terminal 20) of the completion, and notifies the inquiry unit 104 of the completion.

At the time of S102, it is impossible to use the prepaid card for the amount written in the prepaid card information storage unit 102 (that is, the amount for which the prepaid card is requested to be charged).

In step 103 (S103), the transfer unit 103 deposits money into the charging account 2b of the prepaid card member 2 according to the instruction of the prepaid card member (for example, the manager of the prepaid card introducing company) 2.

In step 104 (S104), the inquiry unit 104 inquires about the amount deposited in the charging account 2b.

In step 105 (S105), the inquiry unit 104 determines whether or not the amount deposited in the charging account 2b inquired in S104 is equal to or greater than the amount applied for charging the prepaid card in S101. If the amount deposited in the charging account 2b is equal to or greater than the amount requested to be charged to the prepaid card, the process proceeds to step 106, and the amount deposited in the charging account 2b charges the prepaid card. If the amount is less than the applied amount, the process proceeds to step 109. In step 109 (S109), the prepaid service providing system 10 notifies the prepaid card member 2 (for example, the member terminal 20) that charging is not possible.

In step 106 (S106), the prepaid card management unit 106 updates the prepaid card information written in the prepaid card information storage unit 102 in S102. As a result, the prepaid card management unit 106 can enable the use of the prepaid card for the amount written in the prepaid card information storage unit 102 (that is, the amount for which the prepaid card is requested to be charged). ..

In step 107 (S107), the prepaid card management unit 106 charges the prepaid card member 2 with the amount of money used by the prepaid card member 2 at the member store 3 based on the data from the member store 3. The amount is deducted from the account 2b and deposited in the deposit account (prepaid card account) 1a1 of the prepaid service provider 1 (account transfer is performed).

After that, an account transfer is performed from the deposit account (prepaid card account) 1a1 of the prepaid service provider 1 to the deposit account (payment account) 1a2 of the prepaid service provider 1.

In step 108 (S108), the payment unit 107 uses the account transferred from the deposit account (prepaid card account) 1a1 of the prepaid service provider 1 to the deposit account (payment account) 1a2 of the prepaid service provider 1 in S107. Deposit the amount to the deposit account 3a of the member store 3 (perform an account transfer).

FIG. 6 is an example of the charging account information 105b according to the embodiment of the present invention. The charge account information 105b includes the balance of the charge account 2b, the deposit amount, the withdrawal amount, and whether or not the charge has been completed at each date and time (whether or not the prepaid card information of the prepaid card information storage unit 102 has been updated). And are associated and remembered.

<Effect>
As described above, in the present invention, it is possible to realize the payment by the prepaid card while leaving the funds in the account (charging account) of the member of the prepaid card. Further, since the charging account is a deposit account in which withdrawals other than withdrawals to the deposit account of the prepaid service provider are not possible, it is possible to reliably prepaid the funds. In addition, when there is an application for charging to a prepaid card, the payment to the charging account is inquired in real time, so that the prepaid card can be used immediately.

<Hardware configuration>
FIG. 7 is a diagram showing a hardware configuration of the prepaid service providing system 10 according to the embodiment of the present invention.

As shown in FIG. 7, the prepaid service providing system 10 includes a CPU (Central Processing Unit) 1001, a ROM (Read Only Memory) 1002, and a RAM (Random Access Memory) 1003. The CPU 1001, ROM 1002, and RAM 1003 form a so-called computer. Further, the prepaid service providing system 10 includes an auxiliary storage device 1004, a display device 1005, an operation device 1006, an I / F (Interface) device 1007, and a drive device 1008. The hardware of the prepaid service providing system 10 is connected to each other via the bus 1009.

The CPU 1001 is an arithmetic device that executes various programs installed in the auxiliary storage device 1004.

ROM 1002 is a non-volatile memory. The ROM 1002 functions as a main storage device for storing various programs, data, and the like necessary for the CPU 1001 to execute various programs installed in the auxiliary storage device 1004. Specifically, the ROM 1002 functions as a main storage device for storing boot programs such as BIOS (Basic Input / Output System) and EFI (Extensible Firmware Interface).

The RAM 1003 is a volatile memory such as a DRAM (Dynamic Random Access Memory) or a SRAM (Static Random Access Memory). The RAM 1003 functions as a main storage device that provides a work area to be expanded when various programs installed in the auxiliary storage device 1004 are executed by the CPU 1001.

The auxiliary storage device 1004 is an auxiliary storage device that stores various programs and information used when various programs are executed.

The display device 1005 is a display device that displays the internal state and the like of the prepaid service providing system 10.

The operation device 1006 is an input device in which the administrator of the prepaid service providing system 10 inputs various instructions to the prepaid service providing system 10.

The I / F device 1007 is a communication device for connecting to a network and communicating with a member terminal 20 or the like.

The drive device 1008 is a device for setting the recording medium 1010. The recording medium 1010 referred to here includes a medium such as a CD-ROM, a flexible disk, a magneto-optical disk, or the like, which records information optically, electrically, or magnetically. Further, the recording medium 1010 may include a semiconductor memory or the like for electrically recording information such as a ROM or a flash memory.

The various programs installed in the auxiliary storage device 1004 are installed, for example, by setting the distributed recording medium 1010 in the drive device 1008 and reading the various programs recorded in the recording medium 1010 by the drive device 1008. Will be done. Alternatively, various programs installed in the auxiliary storage device 1004 may be installed by being downloaded from the network via the I / F device 1007.

The present invention is not limited to the configurations shown here, such as combinations with other elements in the configurations and the like described in the above embodiments. These points can be changed without departing from the spirit of the present invention, and can be appropriately determined according to the application form thereof.

1 Prepaid service provider 2 Prepaid card member 3 Merchant 1a Deposit account 1a1 Deposit account (prepaid card account)
1a2 Deposit account (payment account)
2a Deposit account 2b Charge account 3a Deposit account 10 Prepaid service provision system 20 Member terminal 101 Charge reception unit 102 Prepaid card information storage unit 103 Transfer unit 104 Inquiry unit 105 Account information storage unit 105a Deposit account information 105b Charge account information 106 Prepaid Card Management Department 107 Payment Department 1001 CPU
1002 ROM
1003 RAM
1004 Auxiliary storage device 1005 Display device 1006 Operation device 1007 I / F device 1008 Drive device
1009 Bus 1010 Recording medium

Claims (7)

The charge reception department that accepts applications for prepaid cards,
If the amount of the uncharged balance in the charging account is greater than or equal to the amount for which the charge has been applied for, the amount for which the charge has been applied for can be used .
When the prepaid card is used, the usage amount is deducted from the charging account.
A prepaid service providing system including a prepaid card management unit that deposits the usage amount reduced from the charging account into the deposit account of the prepaid service provider. The prepaid service providing system according to claim 1 , wherein the charging account is a deposit account in which withdrawals other than withdrawals to the deposit account of the prepaid service provider are not possible. The prepaid service providing system according to claim 1 or 2 , further comprising an inquiry unit for inquiring the amount deposited in the charging account. The prepaid service provision system according to any one of claims 1 to 3 , wherein the prepaid card is a prepaid card for corporations. The application for charging the prepaid card is an application for charging each of a plurality of prepaid cards.
If the amount deposited in the charging account is equal to or greater than the total amount of the amount requested to be charged to each of the plurality of prepaid cards, the prepaid card management unit uses the amount of the amount requested to be charged. The prepaid service providing system according to claim 4 , which enables. This is the method that the prepaid service provision system performs.
Steps to accept applications for prepaid card charges,
If the amount of the uncharged balance in the charging account is greater than or equal to the amount for which the charge has been applied for, the amount for which the charge has been applied for can be used .
When the prepaid card is used, the usage amount is deducted from the charging account.
A method including a step of depositing the usage amount reduced from the charging account into the deposit account of the prepaid service provider . Charge reception department that accepts applications for prepaid card charge with prepaid service provision system,
If the amount of the uncharged balance in the charging account is greater than or equal to the amount for which the charge has been applied for, the amount for which the charge has been applied for can be used .
When the prepaid card is used, the usage amount is deducted from the charging account.
A program for functioning as a prepaid card management unit that deposits the usage amount reduced from the charging account into the deposit account of the prepaid service provider .

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