JP7159140B2 - Payment server, program, and payment processing method - Google Patents

Description

The present invention relates to a payment server, program, and payment processing method.

There are multi-payment services that provide various payment methods in the settlement of sales transactions between business operators. In such a multi-payment service, the payer selects a payment method that is convenient for him/herself from a plurality of presented available payment methods. Then, the transaction is settled by the settlement method selected in this way. Patent Document 1 listed below discloses a multi-payment device that allows a user to select one or more payment methods from among payment methods such as a credit card payment plug-in, an electronic money payment plug-in, and a convenience store payment plug-in.

WO2011/148875

In the multi-payment service, there is a problem that depending on the payment method selected by the payer, the method is not always convenient for the payee from the viewpoint of cost or efficiency. For example, if the payment method selected by the payer is a credit card payment, the payer can delay the time of cashing out compared to cash payment, but the time of cashing in will be delayed for the recipient. Funding may take time.

Therefore, in order to solve the above problems, the present invention provides a payment server, a program, and a multi-payment service that allow the payer to select the payment method to be adopted from a plurality of payment methods. and to provide a payment processing method.

A settlement server according to one aspect of the present invention is a settlement server of a settlement operator that settles payments for sales transactions between a payer and a recipient, and indicates a plurality of settlement methods that can be used for payment. Referring to an output information storage unit that stores method output information, the payment method output information is transmitted to the payer's payer device in order to allow the payer to select a payment method to be adopted by the payer from a plurality of payment methods. a receiving unit for receiving a selection of a settlement method adopted by the payer from the payer device; Payment that instructs the 1st bank server of the 1st bank that owns the 1st account to transfer the payment amount for payment from the 1st bank's advance account held by the settlement operator to the 1st account A prepayment part, and a payment processing part that, if the accepted payment method satisfies predetermined conditions, sets the payment destination account to an account held by the payment business operator, and performs processing for payment using the accepted payment method. , provided.

A program according to an aspect of the present invention provides a payment method output information indicating a plurality of payment methods that can be used for payment to a computer of a payment business operator that settles payments for sales transactions between a payer and a recipient. a transmission function for referring to the stored output information storage function and transmitting the payment method output information to the payer's payer device in order to allow the payer to select a payment method to be adopted by the payer from a plurality of payment methods; , a receiving function for receiving a selection of a settlement method adopted by the payer from the payer device, and a first account designated as a payment destination account by the payee when the received settlement method satisfies a predetermined condition. A transfer function that instructs the first bank server of the first bank that holds the and a settlement function of setting a payment destination account to an account held by a settlement business operator and performing processing for settlement by the accepted settlement method when the received settlement method satisfies a predetermined condition.

A payment processing method according to one aspect of the present invention is a payment method output indicating a plurality of payment methods that can be used for payment by a computer of a payment business that settles payment for a sales transaction between a payer and a recipient. referring to an output information storage unit that stores information and transmitting the payment method output information to the payer's payer device in order to allow the payer to select a payment method adopted by the payer from a plurality of payment methods; From the payer device, the selection of the payment method adopted by the payer is accepted, and when the accepted payment method satisfies a predetermined condition, the first account designated as the payment destination account by the payee is held. The first bank server of the first bank is instructed to process the transfer of the payment amount for payment from the first bank's advance account held by the settlement operator to the first account, and the accepted settlement method meets predetermined conditions. If the conditions are satisfied, the payment destination account is set to the account held by the payment business operator, and processing for payment is performed using the accepted payment method.

According to the above aspect, according to the payment method selected by the payer, the payment amount is transferred to the payee's account in the same bank using the account of the payment service provider in the same bank as the payee's account. Payment can be made by wire transfer. As a result, the money can be credited to the recipient's account at an early stage.

According to the present invention, there is provided a payment server, a program, and a payment processing method that can quickly deposit money into a payee's account in a multi-payment service that allows a payer to select a payment method to be adopted from a plurality of payment methods. be able to.

BRIEF DESCRIPTION OF THE DRAWINGS It is a figure for demonstrating the system configuration example of the payment system which concerns on 1st Embodiment. BRIEF DESCRIPTION OF THE DRAWINGS It is a figure for demonstrating an example of the outline|summary of the payment system which concerns on 1st Embodiment. BRIEF DESCRIPTION OF THE DRAWINGS It is a figure for demonstrating an example of the outline|summary of the payment system which concerns on 1st Embodiment. It is a figure showing an example of functional composition of a payment server concerning a 1st embodiment. It is a figure which shows the example of a screen of the payment system which concerns on 1st Embodiment. It is a figure which shows the example of a screen of the payment system which concerns on 1st Embodiment. It is a figure which shows the example of a screen of the payment system which concerns on 1st Embodiment. It is a figure which shows the operation example of the payment server which concerns on 1st Embodiment. It is a figure which shows an example of the hardware constitutions of the payment server which concerns on 1st Embodiment. It is a figure which shows an example of the functional structure of the payment server which concerns on 2nd Embodiment. It is a figure which shows the example of a screen of the payment system which concerns on 2nd Embodiment.

Preferred embodiments of the present invention will be described with reference to the accompanying drawings. It should be noted that, in each figure, the same reference numerals have the same or similar configurations.

[First embodiment]
First, a first embodiment of the present invention will be described. In the present embodiment, an example of using a so-called multi-payment service that provides a plurality of payment methods in settlement of payment (hereinafter simply referred to as "payment") for B2B (between business operators) sales transactions will be described. The purpose is not limited to this. The settlement system according to the present embodiment can also be used for settlement of payment for sales transactions in C2C (person-to-person transactions), C2B, and B2C (business-to-individual transactions). In this embodiment, in a sales transaction, a business operator who pays the price is called a "payer", and a business operator who receives the price is called a "recipient".

In this embodiment, the payee has a first account with a first bank and the payer has a second account with a second bank. Also, in this embodiment, the payee may designate the first account as the destination account for payment settlement, and the payer may designate the second account as the source account for payment settlement. In addition, in this embodiment, the account for advance payment to the recipient held by the payment business operator is the account of the first bank, and the payment amount is collected from the payer held by the payment business operator. The collection account for is a second bank account.

A payment business operator according to the present embodiment (hereinafter simply referred to as a “payment business operator”) is a business operator that provides multi-payment services in payment settlement. The settlement company is, for example, a company that settles transactions (for example, PSP (Payment Service Provider)). In addition, the payment service provider, as a payment instruction service provider (PISP (Payment Initiation Service Provider)), instructs financial institutions such as banks to make payments and fund transfers according to the payment method selected by the payer. shall also provide services. In addition, the payment service provider, as an Account Information Service Provider, also provides a service of acquiring account information from financial institutions such as banks and presenting it to recipients and the like.

"Account information" is information for managing each bank account. The account information indicates, for example, a "bank ID" for identifying the target bank, an "account ID" for identifying the account held by the payer or the recipient, and an account balance such as the total amount deposited in the account. Includes "account balance" or "details of transactions" indicating the details of transactions using the account. The transaction details include, for example, "deposit/withdrawal history" indicating the deposit/withdrawal history. The deposit/withdrawal history includes, for example, a "deposit/withdrawal ID" for identifying each deposit/withdrawal, the ID of the bank card used for the deposit/withdrawal, and the credit card company's ID indicating the other party of the deposit/withdrawal when the credit card is withdrawn. etc., "Deposit/withdrawal date/time" indicating the date and time of deposit/withdrawal, "Deposit amount" indicating the amount deposited in the account, or "Withdrawal amount" indicating the amount withdrawn from the account, etc. include.

<1. System configuration>
A system configuration example of a payment system 1 according to the present embodiment will be described with reference to FIG.

The payment system 1 is a system for a payment business operator to provide multi-payment services. As shown in FIG. 1, the payment system 1 includes a payment provider's payment server 100, a payee device 200 used by a payee, and a payer device 300 used by a payer. Also, the payee device 200 and the payer device 300 are collectively referred to as "user devices" when there is no particular need to distinguish them.

The settlement server 100 and the user device are connected to each other via a network N. The settlement server 100 is also connected to a first bank server 400a of a first bank and a second bank server 400b of a second bank via a network N in order to settle accounts using bank accounts. Further, the first bank server 400a and the second bank server 400b are collectively referred to as "bank server 400" when there is no particular need to distinguish them. In addition, the settlement server 100 may be connected via the network N to an accounting system used by a payee or a payer, or an external system that provides settlement services by various settlement methods such as a credit card system or a bank system. .

The network N is composed of a wireless network and a wired network. Examples of networks include mobile phone networks, PHS (Personal Handy-phone System) networks, wireless LAN (Local Area Network), 3G (3rd Generation), LTE (Long Term Evolution), 4G (4th Generation), 5G ( 5th Generation), WiMax (registered trademark), infrared communication, Bluetooth (registered trademark), wired LAN, telephone line, power line network, and IEEE1394-compliant network.

The settlement server 100 is an information processing device capable of communicating with user devices and bank servers. The payment server 100 manages payment-related information (for example, billing information, etc.) in cooperation with a user device or the like by executing a predetermined program, and performs credit card payment, cardless payment, first bank and second bank. Realize a server function that controls processing for settlement by bank transfer, etc. Although only one settlement server 100 is shown in FIG. 1 for the sake of simplicity of explanation, a plurality of settlement servers may be provided.

“Billing information” is information indicating a billing for payment in a sales transaction. The billing information includes, for example, a "transaction ID" for identifying the transaction to be paid, a "service name" or "product name" to be paid, a "payment amount" indicating the amount to be paid in the transaction to be paid, a payee account Including "payment account designation" etc. for designating Specifying the payee account may include specifying the payee account as the first account, for example. The billing information may also include payment method limitation information that limits the payment methods specified by the payee, that is, limits the payment methods that can be used by the payer. For example, if the payee specifies a payment method to be limited to bank transfer only, the payment method limitation information indicates that the payer can only use bank transfer as a payment method.

The payment server 100 may be provided with hardware, an OS, etc. dedicated to the payment system 1 (for example, an on-premise server configuration), or may be SaaS (Software as a Service), Paas (Platform as a Service), IaaS (Infrastructure as a Service) may be used as appropriate.

Recipient device 200 accepts input such as acceptance of payment request (hereinafter simply referred to as "payment request") instructions from the recipient in a sales transaction, deposits into the first account of the first bank owned by the recipient, etc. is an information processing device capable of outputting a notification of and communicating with the settlement server 100 . The recipient device 200 may be a server device that controls a business system such as an ERP having a sales management function and an accounting management function used by the recipient, or a smartphone or laptop used by an employee of the recipient. terminal device. By executing a predetermined program, the receiver's device 200 cooperates with the settlement server 100 to transmit and receive information regarding payment request instructions, display screens regarding payment, and accept receiver's instructions.

The payer device 300 receives input from the payer such as acceptance of selection of a payment settlement method in a sales transaction, outputs notifications such as withdrawals from the second account of the second bank held by the payer, and the settlement server 100 It is an information processing device capable of communicating with. The payer device 300 may be a server device that controls a business system such as an ERP equipped with a sales management function used by the payer, or a terminal device such as a smart phone or laptop used by an employee of the payer. There may be. By executing a predetermined program, the payer device 300 cooperates with the settlement server 100 to transmit and receive information regarding payment requests and information regarding settlement methods, display screens regarding withdrawals, and select payers. accept it.

The bank server 400 is a bank system server that manages bank account information and performs transfer processing and reference processing for the account. The bank server 400 cooperates with the settlement server 100 in order to provide services related to the transfer processing and the like.

Bank server 400 may, for example, implement a bank API provided by each bank. Note that the bank server 400 is not limited to having a bank API installed, and can be any interface that can be used externally for transferring funds for payment settlement and acquiring account information. It can be any aspect.

"Banking API (Application Programming Interface)" is an interface used by software components to interact with each other in order to convert existing functions such as fund transfers and balance inquiries into individual services and use them from external applications. . The bank API includes an "update API" and a "reference API". The “update API” is an API for transferring funds such as bank account transfers and transfers, and the “reference API” is an API for acquiring account information such as bank account balance inquiries.

<2. Overview>
An example of the outline of the settlement system 1 will be described with reference to FIGS. 2 and 3. FIG. In FIGS. 2 and 3, boxes surrounded by bold lines represent functional units of the settlement server 100 shown in FIG. In this example, settlement of payment in a sales transaction between a supplier and a buyer will be described as an example. The Supplier is an aspect of the Payee and the Buyer is an aspect of the Payer. In this example, (A) the buyer designates his or her second bank account as the payment source account and selects bank transfer for payment, and (B) the buyer selects credit card payment. The outline of the settlement system 1 will be described by dividing into two cases, namely, when settlement is made by

First, the scene (A) above will be described. (1) As shown in FIG. 2, the supplier sends billing information to the settlement server 100 from the coordinating unit of the recipient device 200 in order to make a billing request for a sales transaction (hereinafter also simply referred to as "payment billing"). . For example, the linking unit may acquire billing information from an ERP system having a sales management function and transmit the billing information to the settlement server 100 in order to link the billing request to the settlement server 100 . Note that the billing information acquisition source is not limited to the ERP system described above, and various functions and systems for managing payments in sales transactions are conceivable. Further, the cooperation unit may receive, for example, an input instructing a payment request from the supplier as a trigger for obtaining the request information. Further, as another example of the trigger for obtaining billing information, the linking unit may receive a request indicating a billing request from the business system such as the ERP. Note that this cooperation unit may be a functional unit of a plug-in of the payment system 1 installed in the recipient device 200 . (2) Acquisition unit 113 of settlement server 100 acquires billing information transmitted from recipient device 200 .

(3-1) The output information generation unit 114 of the settlement server 100 refers to the settlement method storage unit 142 that stores settlement method output information, and generates settlement method output information based on the billing information. Here, "settlement method output information" is information indicating a plurality of settlement methods. The details of the settlement method output information will be described later.

(3-2) Billing generation unit 116 of settlement server 100 generates billing data based on billing information and settlement method output information. Here, "bill data" is data for billing including link information. Details of the invoice data will be described later. Also, the "link information" here is information indicating a link for outputting the settlement method output information. The link information may be, for example, a URL, QR code (registered trademark), etc. for accessing the payment method output information. For example, when the buyer designates the link information on the payer device 300, the payment method output information is accessed, and the payment method output information is output on the screen of the payer device.

(4) The transmission unit 131 of the settlement server 100 transmits the invoice data to the payer device 300 . When the payer device 300 receives the invoice data, the payer device 300 accepts the buyer's designation of the link information included in the invoice data. (5) The payer device 300 accesses the payment method output information stored in the output information storage unit 141 of the payment server 100 upon receiving the specification of the link information. (6) The payment server 100 transmits the payment method output information to the payer device 300 upon receiving the access.

(7) When the payer device 300 receives the payment method output information, it outputs to the buyer a plurality of payment methods available for payment. (8) The buyer selects a payment method to be adopted from among the plurality of payment methods output to payer device 300 . At this time, it is assumed that the buyer selects bank transfer with the second account of the second bank as the payment source account. (9) The accepting unit 111 of the settlement server 100 accepts the selection of (8) above.

(10) The payment processing unit 112 of the payment server 100 sets the payment destination account to the collection account of the second bank, and instructs the second bank server 400b to transfer the payment amount from the second account to the collection account. instruct. (11) The second bank server 400b transfers the payment amount from the second account to the recovery account according to the instruction.

(12) The detection unit 1122 of the settlement server 100 sends the second bank server 400b the collection account when the settlement processing unit 112 in (10) instructs the processing of transferring the payment amount to the collection account. The receipt of the payment amount to the collection account is detected by instructing reference to the account information.

(13) When the detection unit 1122 of (12) above detects that the payment amount has been deposited into the collection account, the payment destination transfer unit 1121 of the settlement server 100 sends the first bank server 400a from the payment account Instructs the transfer processing of the payment amount to the first account. (14) In response to the instruction, the first bank server 400a transfers the payment amount from the payment account to the first account.

(14) The status determination unit 117 of the settlement server 100 makes a payment for the payment request based on the billing information and the deposit information indicating that the payment amount has been deposited into the collection account detected by the detection unit 1122 in (12) above. determine the status of (15) The output information generator 114 generates payment status output information. Here, the "payment status output information" is information for outputting the result of determination in (14) above. Details of the payment status output information will be described later.

(16) The transmission unit 131 of the settlement server 100 transmits payment status output information to the payee device 200 . (17) The output unit of the recipient device 200 outputs the payment status for the payment request based on the payment status output information.

According to the above configuration, the payment system 1 uses the collection account and the advance account of the payment business operator in the same bank of the supplier's first account and the buyer's second account, respectively, from the buyer's second account You can withdraw and deposit to the supplier's first account. Therefore, according to the above configuration, the payment system 1 can reduce costs such as transfer fees incurred in bank transfers from buyers to suppliers to other banks, and can quickly deposit money into the supplier's first account. can.

Next, the scene (B) above will be described. As shown in FIG. 3, (1) to (7) are the same as (1) to (7) in (A) above, so the description is omitted.

(8) The buyer selects a payment method to be adopted from among the plurality of payment methods output to the payer device 300; At this time, it is assumed that the buyer selects, from among the plurality of settlement methods, a credit card settlement method in which the second account of the second bank is designated as the source of payment. (9) The accepting unit 111 of the settlement server 100 accepts the selection of (8) above.

(10) When the accepting unit 111 of (8) above accepts the selection of credit card settlement, the settlement processing unit 112 of the settlement server 100 sets the collection account of the second bank as the payment destination account, and Instruct the credit card payment processing to the card system. According to the instruction, the credit card system performs credit card settlement processing so that the payment amount is paid from the second account to the collection account.

(11) When the accepting unit 111 of (8) above accepts the selection of credit card settlement, the payee transfer unit 1121 of the settlement server 100 sends the first bank server a payment from the replacement account to the first account. Instruct the transfer processing of the amount. (12) In response to the instruction, the first bank server 400a transfers the payment amount from the payment account to the first account.

(13) The detection unit 1122 of the settlement server 100 sends the first The receipt of the payment amount to the first account is detected by instructing to refer to the account information of the account.

(14) The status determination unit 117 of the settlement server 100 responds to the payment request based on the billing information and the deposit information indicating the deposit of the payment amount to the first account detected by the detection unit 1122 of (12) above. Determine payment status. (15) to (17) are the same as (15) to (17) in (A) above, so the description is omitted.

According to the above configuration, the payment system 1 can deposit money into the supplier's first account using the payment service provider's advance account in the same bank as the supplier's first account. For this reason, according to the above configuration, the payment system 1 is able to promptly It can be credited to the supplier's account.

<3. Functional Configuration of Payment Server>
A functional configuration of the settlement server 100 according to the present embodiment will be described with reference to FIG. As shown in FIG. 4 , the payment server 100 includes a control section 110 , a communication section 130 and a storage section 140 .

The control unit 110 includes a reception unit 111 , a payment processing unit 112 and an output information generation unit 114 . Further, the control unit 110 may include an acquisition unit 113 , a period determination unit 115 , a claim generation unit 116 , or a situation determination unit 117 .

The receiving unit 111 receives from the payer device 300 the selection of the payment method adopted by the payer. The selection of the payment method from the payer in the reception unit 111 may be accepted in any manner. good too. As another example, the reception unit 111 installs an application program (hereinafter referred to as an "application") dedicated to the payment system 1 for selecting the payment method on the payer device 300, and accepts payment via the application. may

The settlement method output information may indicate, for example, a settlement method such as card settlement such as credit card settlement or debit card settlement, cardless payment settlement, electronic money settlement, or bank transfer settlement. The settlement method output information may also include, for example, information for instructing a credit card company, a bank, an electronic money business operator, etc. to perform settlement processing using these settlement methods. The payment method output information may be information for outputting a plurality of payment methods that can be used for payment and for selecting a payment method to be adopted by a payer such as a buyer from among the plurality of payment methods. good. The payment method output information is, for example, website information that outputs a plurality of payment methods that can be used for payment (for example, a portal site for collectively providing various services and functions related to payment). good too.

For example, the receiving unit 111 may receive, from the payer device 300, a selection to adopt a settlement method that performs bank transfer specifying the second account of the second bank as the source account for payment.

The settlement processing unit 112 performs processing for settlement of payment by the settlement method accepted by the accepting unit 111 . Further, for example, when the payment method accepted by the reception unit 111 satisfies a predetermined condition, the payment processing unit 112 sets the payment destination account to an account held by the payment business operator, and the payment by the accepted payment method is completed. You may perform processing for. Further, for example, when the payment method accepted by the reception unit 111 satisfies a predetermined condition, the payment processing unit 112 sets the payment source account to the second account, and performs processing for payment by the accepted payment method. you can go Also, the settlement processing unit 112 may have a payee transfer unit 1121 or a detection unit 1122 .

The “predetermined condition” is a condition for determining whether or not to set the payment destination account to an account held by the payment business operator according to the payment method accepted by the reception unit 111 . The predetermined condition may include, for example, a bank transfer specifying an account of a bank different from the first bank as the payment source account. Also, the predetermined condition may include, for example, that the required payment period exceeds a predetermined period. Here, the term “payment required period” refers to the period required until the payment amount is transferred to the first account when using the payment method accepted by the accepting unit 111 . As another example, the predetermined condition instructs the first bank server 400a to transfer the payment amount from the first bank account to the first account by the payee transfer section 1121. It may be a condition for determining whether or not to perform.

The “predetermined period” is a period for determining whether or not to set the payment destination account to an account held by the payment business operator according to the payment method accepted by the reception unit 111 . The predetermined period may be, for example, the day of reception by the reception unit 111 . That is, if the payment required period passes the day on which the selection of the payment method of the payer is accepted by the reception unit 111, the payment processing unit 112 sets the payment destination account as the collection account, may be processed. As another example, during the predetermined period, the first bank server 400a is instructed by the payee transfer section 1121 to transfer the payment amount from the first bank account to the first account. It may be a period for determining whether or not to perform.

For example, if the payment method accepted by the acceptance unit 111 satisfies a predetermined condition, the payment processing unit 112 sets the payment destination account to the collection account of the second bank, and transfers the second account to the second bank server 400b. You may instruct the transfer processing of the payment amount to the collection account. The payment processing unit 112, for example, uses an update API implemented by the second bank server 400b to transfer the payment amount for payment from the second account to the collection account to the second bank server 400b. You can direct.

According to the above configuration, if the payment method selected by the payer is a bank transfer that designates an account of a bank different from the previous first bank as the payment source account, the payment processing unit 112 Using the collection account of the settlement operator within the same bank, the payment amount can be withdrawn from the second account to the collection account within the same bank by bank transfer. As a result, it is possible to withdraw money from the payer's second account while reducing costs such as transfer fees incurred in bank transfers to other banks.

For example, if the payment method accepted by the accepting unit 111 satisfies a predetermined condition, the payee transfer unit 1121 sends the first bank server 400a a request for payment from the first bank account to the first account. You may instruct the transfer processing of the payment amount. The payee transfer unit 1121, for example, uses an update API implemented by the first bank server 400a to transfer the payment amount for payment from the advance account to the first account to the first bank server 400a. You can direct.

According to the above configuration, the payee transfer unit 1121 uses the payee's first account and the payee's first account and the payee's first The payment amount can be deposited into one account by bank transfer within the same bank. As a result, the money can be deposited into the recipient's first account at an early stage.

For example, if the settlement method accepted by the accepting unit 111 satisfies a predetermined condition, or if the detecting unit 1122 detects that the payment amount has been deposited into the collection account, the payee transfer unit 1121 sends the first bank server 400a On the other hand, a transfer process of the payment amount from the payment account to the first account may be instructed. According to such a configuration, the payee transfer unit 1121 can transfer the payment amount to the payee's account after the payment amount is deposited from the payer's account.

When the settlement processing unit 112 instructs to transfer the payment amount to the collection account, the detection unit 1122 instructs the second bank server 400b to refer to the account information of the collection account, and transfers the amount to the collection account. Detect receipt of payment amount of Further, for example, when the settlement processing unit 112 instructs to transfer the payment amount to the collection account, the detection unit 1122 instructs the second bank server 400b to refer to the account information of the second account. Withdrawal of the payment amount from the second account may be detected. The detection unit 1122 may instruct the second bank server 400b to refer to the collection account and the account information of the second account, for example, using a reference API implemented by the second bank server 400b.

The detection unit 1122 instructs the first bank server 400a to refer to the account information of the first account, for example, when the payment destination transfer unit 1121 instructs to transfer the payment amount to the first account. may detect receipt of the payment amount to the first account. Further, for example, when the payee transfer unit 1121 instructs the transfer processing of the payment amount to the first account, the detection unit 1122 instructs the first bank server 400a to refer to the account information of the payment account. Withdrawal of the payment amount from the reimbursement account may be detected. For example, the detection unit 1122 may instruct the first bank server 400a to refer to the account information of the first account and the payment account by using a reference API implemented by the first bank server 400a.

Acquisition unit 113 acquires billing information from recipient device 200 . The billing information may include, for example, designating the payee account as the first account.

The output information generation unit 114 generates payment method output information based on the billing information by referring to a payment method storage unit 142 (to be described later) that stores payment method information. The output information generation unit 114 stores the generated settlement method output information in the output information storage unit 141, which will be described later. According to such a configuration, the output information generation unit 114 can output a settlement method that can be used for payment among a plurality of settlement methods based on the claim information indicating the claim for payment acquired from the recipient device 200. can. The “payment method storage unit for storing payment method information” here may be, for example, the payment method storage unit 142 described later, or may be a storage unit provided in the payer device 300, It may be a storage unit provided in a server or the like of an external system.

The output information generation unit 114 may generate, for example, payment method output information limited to the payment method specified by the payee based on the payment method limitation information. According to such a configuration, the payer can select a settlement method that is convenient for the payee.

The output information generator 114 may generate payment status output information, for example. Here, "payment status output information" is information for outputting the determination result of the status determination unit 117, which will be described later. The payment status output information may be, for example, information in which the payment status for each payment request (hereinafter also referred to as "payment status") is summarized in a list. Here, the "payment status" may represent, for example, a status such as "unsettled", "settled", "settled", etc., for settlement of the billed payment.

The payment status output information may include a receiving means for receiving input indicating a claim from a payee for "pending" payments in a sales transaction. Furthermore, the payment status output information is, for example, website information for providing payees with functions related to payment status management and payment requests (for example, website information for collectively providing various services and functions related to payment status management) portal site, etc.). In addition, as another example, the output information generating unit 114 generates output information (for example, a payment request instruction input screen, etc.) that includes a receiving means for receiving an input for requesting payment, in addition to the payment status output information. may be generated. Furthermore, this accepting means may accept, for example, a designation from the recipient that limits the payment settlement method.

The period determination unit 115 determines whether or not the required payment period exceeds a predetermined period. According to such a configuration, the period determining unit 115 can immediately make the payment of the amount of money, which takes time, to the recipient who wants to convert the accounts receivable into cash at an early stage.

Based on the billing information and the settlement method output information, the bill generation unit 116 generates bill data including link information for outputting the settlement method output information. Invoice data includes, for example, a "billing number" indicating a number for uniquely identifying a payment request, a "billing date", and a "billing party" indicating a billing business operator (in this example, the payer). , "Billing party" indicating the billing business operator (in this example, the recipient), "Billing amount" indicating the amount to be billed (in this example, the payment amount), "Billing details", Payment It may include "payment due date" or the like indicating the due date. Also, the invoice data may be, for example, data of an electronic invoice (PDF file, etc.).

The status determination unit 117 determines the payment status of the payment request based on the billing information and the deposit information. Here, the “payment information” is information indicating payment of the payment amount to at least one of the collection account detected by the detection unit 1122 and the first account. The status determination unit 117 may determine the payment status based on the payment information, for example. Here, the “withdrawal information” is information indicating payment of the payment amount to at least one of the reimbursement account and the second account detected by the detection unit 1122 . In addition, the situation determination unit 117 acquires a communication message for financial settlement conforming to ISO20022 exchanged via the network N between the first bank server 400a and the second bank server 400b, and based on the communication message, may determine the payment status. For example, when the detection unit 1122 detects that the payment amount has been deposited into the first account from the payment information, the status determination unit 117 may determine the payment status as “settlement completed”.

The balance adjustment unit 118 performs processing for transferring money from the first account of the first bank to the second account of the second bank, and adjusts the balance of the first account and the balance of the second account. The balance adjustment unit 118, for example, records deposits to the first account and withdrawals from the second account during a predetermined period, and transfers the balance from the first account to the second account so as to offset the total amount of these deposits and withdrawals. You can send money. In addition, the balance adjustment unit 118 sets predetermined thresholds (for example, upper limit or lower limit) for the account balances of the first account and the second account. In this case, the money may be transferred from the first account to the second account so as to be within a predetermined threshold. The processing of remittance from the first account to the second account in the balance adjustment unit 118 may be performed collectively at a predetermined timing by daily or monthly batch processing. According to such a configuration, the balance adjustment unit 118 can stably maintain the balance of the first account of the first bank and the balance of the second account of the second bank held by the settlement operator.

The notification unit 119 notifies at least one of the payer and the recipient of the payment to the first account when the detection unit 1122 detects that the payment amount has been transferred to the first account. The notification unit 119, for example, transmits to the recipient device 200 notification information that pushes notification of the payment to the first account, and causes the output unit such as the screen of the recipient device 200 to output the notification information as an alert message. may In addition, the notification unit 119 may send an email notifying the payment to the first account to the email address of the payer or the recipient, or may notify the SNS account of the payer or the recipient. good. In addition, in notifying the payer, instead of depositing the money into the first account, it is possible to notify that the settlement of payment has been completed.

According to the above configuration, the notification unit 119 can notify the payer and the recipient immediately after the payment to the first account, that is, the settlement of the payment is completed.

The notification unit 119 sends the account information of the first account and collection account detected by the detection unit 1122 and the You may notify the information of the deposit/withdrawal of the predetermined amount of money of the 1st account or the 2nd account.

The communication unit 130 transmits/receives various information to/from the payee device 200, the payer device 300, an external system, or the like via the network N. FIG. For example, the communication unit 130 receives billing information from the payee device 200 via the network N, and transmits bill data and settlement method output information for billing payment based on the billing information to the payer device 300. or The communication unit 130 may have a transmission unit 131, for example.

The transmission unit 131 refers to the output information storage unit 141 that stores the settlement method output information, and transmits the settlement method output information to the payer so that the payer can select a settlement method to be adopted by the payer from a plurality of settlement methods. Send to the human device 300 . Further, the transmission unit 131 may transmit the payment status output information to the payee device 200, for example. According to such a configuration, the transmission unit 131 can make the recipient confirm the payment status on the recipient device 200 or the like. Therefore, according to such a configuration, the settlement system 1 can support the management of payment status in sales transactions by the payee. It should be noted that the “output information storage unit for storing the settlement method output information” referred to here may be, for example, the output information storage unit 141 of the settlement server 100 or the storage unit provided in the payer device 300. Alternatively, it may be a storage unit provided in a server or the like of an external system.

The transmitting unit 131 may transmit bill data generated by the bill generating unit 116 to the payer device 300, for example. According to such a configuration, the transmission unit 131 can reduce the trouble of the recipient creating invoice data for the payment request and sending it to the payer.

The storage unit 140 stores various information. Moreover, the storage unit 140 may have an output information storage unit 141 and a settlement method storage unit 142 . The storage unit 140 may store each information using a database management system (DBMS), or may store each information using a file system. When using a DBMS, a table may be provided for each piece of information described above, and each piece of information may be managed by associating the tables.

The output information storage unit 141 stores settlement method output information. The payment method storage unit 142 stores payment method information.

<4. Screen example>
Screen examples of the payment system 1 will be described with reference to FIGS. 5 to 7 show an example of a screen displaying bill data displayed on the display unit (not shown) of the payer device 300, and a portal site for payment by requesting payment of bill data (hereinafter referred to as "payment 1 is a schematic diagram showing an example of a portal (also called a "portal"); FIG. A payment portal is also an aspect of payment method output information. The payment portal may include, for example, a main screen A2 and an individual payment method screen.

For example, when bank transfer is selected as the payment method, the payment method individual screen includes a payee information screen A3, a payment source designation screen A4, a bank transfer execution screen A5, and the like. As another example, the payment method individual screen includes a card designation screen A6 and the like when card payment is selected as the payment method.

As shown in FIG. 5(a), the screen displaying bill data includes a bill data display area a11 and a payment settlement method selection button a12 for accessing the payment portal. The bill data display area a11 includes the billing party, billing number, billing amount, billing details, and payment due date included in the billing data. When the payment settlement method selection button a12 is pressed, a payment portal for selecting a payment settlement method is accessed, and the main screen A1 is displayed.

As shown in FIG. 5B, the main screen A1 includes a payment settlement method list display area a21. The payment/settlement method list display area a21 is a list of acceptance means for accepting selection of payment methods for payment available to the payer (in this example, "bank transfer", "card payment", "cardless payment" and (hereinafter referred to as “electronic money”). In this example, first, a case where the payer selects bank transfer as the settlement method will be described as an example. When the payer selects bank transfer as the settlement method, that is, when the bank transfer selection button a211 is pressed from among the accepting means of the listed multiple settlement methods, the payee designation information screen A3 is displayed as the settlement method individual screen. transition to

As shown in FIG. 5(c), the payment destination designation information screen A3 includes a designation payment destination display area a31, a confirmation completion button a32, and a bank transfer designation button a33. The designated payee display area a31 includes information on the first account (account number "1234567" of "123 Bank" in this example) designated by the recipient as the payee account for the bank transfer. When the confirmation completion button a32 is pressed when the payer only confirms the information related to the first account, the designated payee is displayed without transitioning to the payment source designation screen A4 for designating the payment source account from the payer. Close the information screen A3. Moreover, when the confirmation completion button a32 is pressed, for example, the screen may be set to return to the main screen A2. When the bank transfer specification button a33 is pressed, the screen transitions to the payment source specification screen A4 for specifying the payment source account.

As shown in FIG. 6A, the payment source designation screen A4 includes a payment source account dropdown list a41, a payment source account information display area a42, and a transfer execution designation area a43. The payer account drop-down list a41 displays a list of bank accounts such as the payer's second account that are registered in advance. The transfer source account drop-down list a41 is displayed when the payer designates the second account (in this example, "expense account" of "987 Bank") from among the listed accounts. Temporarily set the second account as the payment source account.

The payment source account information display area a42 displays the account information of the second account specified in the payment source account dropdown list a41. In addition, if the second account specified by the payer as the payment source account is an account of a different bank than the first account specified by the recipient as the payment destination account, the payment source account information display area a42 displays an account of another bank. A message may be included to the effect that no transfer fee will be charged even if the payment is made to the recipient (in this example, it is stated that "the bank is different from the bank to which the transfer is made, but no transfer fee will be charged").

The transfer execution designation area a43 includes a transfer execution designation button a431. When the transfer execution specification button a431 is pressed, the second account specified in the payment source account drop-down list a41 is set as the payment source account, and the payment destination account is the account specified by the recipient as the transfer destination Set the collection account of the payment company. Further, when the transfer execution designation button a431 is pressed, the screen changes to the transfer details confirmation screen A5 for the payer to confirm the details set for executing the bank transfer.

As shown in FIG. 6B, the transfer details confirmation screen A5 includes a transfer information display area a51 and a transfer execution area a52. The transfer information display area a51 contains, as contents set for executing a bank transfer, the invoice number, the designated payee indicating the first account designated as the payee account by the recipient, the payment source, the payment including the amount and The transfer execution area a52 includes a transfer execution button a521. When the transfer execution button a521 is pressed, the settlement processing unit 112 instructs the corresponding bank server to transfer the payment amount from the set source account to the set destination account.

As shown in FIG. 6(c), the transfer details confirmation screen A5 displays a completion notification dialog a53 for notifying that the transfer processing instructed to the bank server is completed.

Next, a case where the user selects card payment as the payment method in the payment/settlement method list display area a21 of the main screen A1 will be described as an example. As shown in FIG. 7(a), when the user selects card payment as the payment method, that is, when the card payment selection button a212 among the accepting means of the plurality of payment methods listed up is pressed, the payment method As an individual screen, a transition is made to a card designation screen A6 for designating a card to be used for card payment.

As shown in FIG. 7B, the card designation screen A6 includes a payment card dropdown list a61, a card information display area a62, and a card payment execution area a63. The payment card drop-down list a61 displays a list of cards for settlement of payment, such as credit cards of payers registered in advance. The payment card drop-down list a61 shows, when the payer designates a specific card among the cards displayed in this list, the designated card is used for settlement of payment (hereinafter also referred to as "payment card"). ).

The card information display area a62 displays the information of the card specified in the payment card dropdown list a61. The card payment execution designation area a63 includes a card payment execution designation button a631. When the card payment execution specification button a631 is pressed, the card specified in the payment card drop-down list a61 (in this example, "corporation card 1") is set as the payment card, and the payment destination account is set. , set the first account designated by the payee or the account held by the payment business operator. Also, when the card payment execution designation button a631 is pressed, the screen transitions to the card payment details confirmation screen A7 for the payer to confirm the details set for executing the card payment.

As shown in FIG. 7C, the card payment details confirmation screen A7 includes a card payment information display area a71 and a card payment execution area a72. The card payment information display area a71 includes the billing number, the billing party indicating the payee, the payment card, and the payment amount as the contents set for executing the card payment. The card payment execution area a72 includes a card payment execution button a721. When the card payment execution button a721 is pressed, the payment processing unit 112 instructs the corresponding external system such as a credit card system to perform card payment processing from the set payment card to the set payee account. do. Also, similar to the above bank transfer example, when the card payment processing instructed to the external system such as the above credit card system is completed, a completion notification dialog (not shown) is displayed to notify that effect. good too.

<5. Operation example>
An operation example of the settlement system 1 will be described with reference to FIG. FIG. 8 shows processing in the payment system 1 from acquisition of billing information for a payment request from the recipient device 200 to depositing into the recipient's first account for settlement of payment based on the payment request. It is a flow diagram showing a flow. In this example, the predetermined condition includes that the payment is made by bank transfer specifying an account of a bank different from the first bank as the payment source account. Note that the order of the processes shown below is an example, and may be changed as appropriate.

As shown in FIG. 8, the acquisition unit 113 of the settlement server 100 acquires billing information from the payee device 200 (S10). When the acquisition unit 113 acquires the billing information, the output information generation unit 114 refers to the payment method storage unit 142 that stores the payment method information, generates the payment method output information based on the billing information, and outputs the output information storage unit 114. 141 (S11). The transmission unit 131 refers to the output information storage unit 141 that stores the settlement method output information, and transmits the settlement method output information to the payer device 300 (S12).

The receiving unit 111 of the settlement server 100 receives from the payer device 300 a selection to adopt a settlement method that performs bank transfer specifying the second account of the second bank as the source of payment (S13).

If the payment method accepted by the reception unit 111 satisfies the predetermined condition (Yes in S14), the payment processing unit 112 sets the payment destination account to the collection account of the second bank, and the second bank server 400b: An instruction is given to transfer the payment amount from the second account to the recovery account (S15). When the payment processing unit 112 instructs to transfer the payment amount to the collection account, the detection unit 1122 instructs the second bank server 400b to refer to the account information of the collection account, and transfers the payment to the collection account. Receipt of the payment amount is detected (S16).

When the detection unit 1122 detects that the payment amount has been deposited into the collection account, the payment destination transfer unit instructs the first bank server 400a to transfer the payment amount from the payment account to the first account. (S17).

If the payment method accepted by the accepting unit 111 does not satisfy the predetermined conditions (No in S14), the payment source account is set as the second account and the payment destination account is set as the first account, and the accepted payment is processed. Process for payment by method.

<6. Hardware configuration>
With reference to FIG. 9, an example of a hardware configuration when the settlement server 100 described above is implemented by a computer 800 will be described. The function of each device can also be implemented by being divided into a plurality of devices.

As shown in FIG. 9, a computer 800 includes a processor 801, a memory 803, a storage device 805, an input I/F section 807, a data I/F section 809, a communication I/F section 811, and a display device. 813.

Processor 801 controls various processes in computer 800 by executing programs stored in memory 803 . For example, each functional unit included in the control unit 110 of the settlement server 100 can be realized by the processor 801 executing a program temporarily stored in the memory 803 .

The memory 803 is a storage medium such as a RAM (Random Access Memory). The memory 803 temporarily stores program codes of programs executed by the processor 801 and data necessary for executing the programs.

The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or flash memory. A storage device 805 stores an operating system and various programs for realizing the above configurations. In addition, the storage device 805 can also store a table for registering billing information, account information, etc., and a DB for managing the table. Such programs and data are referred to by the processor 801 by being loaded into the memory 803 as necessary.

An input I/F unit 807 is a device for receiving input from the user. Specific examples of the input I/F unit 807 include a keyboard, mouse, touch panel, various sensors, wearable devices, and the like. The input I/F unit 807 may be connected to the computer 800 via an interface such as USB (Universal Serial Bus).

A data I/F unit 809 is a device for inputting data from outside the computer 800 . A specific example of the data I/F unit 809 is a drive device for reading data stored in various storage media. Data I/F unit 809 may be provided outside computer 800 . In that case, the data I/F unit 809 is connected to the computer 800 via an interface such as USB.

The communication I/F unit 811 is a device for performing data communication with an external device of the computer 800 via the Internet N by wire or wirelessly. Communication I/F unit 811 may be provided outside computer 800 . In that case, the communication I/F unit 811 is connected to the computer 800 via an interface such as USB.

The display device 813 is a device for displaying various information. Specific examples of the display device 813 include a liquid crystal display, an organic EL (Electro-Luminescence) display, and a wearable device display. The display device 813 may be provided outside the computer 800 . In that case, the display device 813 is connected to the computer 800 via, for example, a display cable. Further, when a touch panel is adopted as the input I/F section 807 , the display device 813 can be integrated with the input I/F section 807 .

[Second Embodiment] *Loan, etc., for early monetization of the recipient Next, a second embodiment of the present invention will be described. The settlement server 100a according to the present embodiment is a mode in which, compared to the settlement server 100 according to the first embodiment, a variation of the function is added for early monetization of the accounts receivable of the sales transaction of the recipient. In the following, the points different from the first embodiment will be mainly described. In addition, the settlement business operator according to the present embodiment uses this added function to purchase the accounts receivable in the purchase transaction of the recipient and provide a financial service (so-called factoring service) to collect the receivable. may

<1. Functional Configuration of Payment Server>
An example of the functional configuration of the settlement server 100a according to this embodiment will be described with reference to FIG.

As shown in FIG. 10, the control unit 110 of the settlement server 100a includes a reception unit 111 of the control unit 110 of the settlement server 100, a settlement processing unit 112, an acquisition unit 113, an output information generation unit 114, and a period determination unit. 115, a bill generation unit 116, a situation determination unit 117, a balance adjustment unit 118, and a notification unit 119 are provided in common. In addition to these functional units, the control unit 110 of the settlement server 100a includes a limit determination unit 120, a contract generation unit 121, a consent reception unit 122, and an approval reception unit 123.

The communication unit 130 of the payment server 100a includes the transmission unit 131 of the payment server 100 in common. The payment server 100a also includes the storage unit 140 of the payment server 100 in common.

The accepting unit 111 may accept, for example, a loan application for payment from the payer device 300 . Further, the receiving unit 111 may receive, for example, an application for transfer of accounts receivable related to a sales transaction from the recipient device 200 .

The settlement processing unit 112 has a loan processing unit 1123 . The loan processing unit 1123 transfers money within the limit of the loan amount to the account held by the payer based on the consent information. Here, the “consent information” is information received by the consent receiving unit 122 and indicating the payer's consent to the loan contract output by the loan contract output information. According to such a configuration, the loan processing unit 1123 can promote the settlement of payment by lending money within the payment amount to the payer who is poor in ability to pay.

The payment processing unit 112 sets the payment source account to the first account, and sets the payment destination account to The account may be set as an account held by the payment business operator, and processing for payment by the payment method accepted by the reception unit 111 may be performed. According to such a configuration, the recipient can quickly convert to cash by transferring the accounts receivable of the sales transaction to the settlement company.

The credit limit determination unit 120 refers to a credit information storage unit 143 that stores credit information, and determines the credit limit within the payment amount based on the application information. Here, "credit information" is information indicating the result of credit for the payer's loan application. Further, the “application information” here is information indicating a loan application received by the receiving unit 111 . The “credit information storage unit that stores credit information” here may be, for example, the credit information storage unit 143 described later, a storage unit provided in the payer device 300, or an external A storage unit provided in a server or the like of the system may be used.

The contract generation unit 121 generates loan contract output information. Here, the "loan contract output information" is information for outputting contract information indicating a loan contract based on a loan limit and specifying that the payer agrees to the loan contract.

The consent acceptance unit 122 accepts, from the payer device 300, a specification of the payer's consent to the loan contract output by the loan contract output information.

The approval receiving unit 123 receives designation of approval of the settlement operator for the application for transfer of the accounts receivable received by the receiving unit 111 .

The transmission section 131 has a contract transmission section 1311 . The contract transmission unit 1311 transmits the loan contract output information to the payer device 300 .

The storage unit 140 has a credit information storage unit 143 . The credit information storage unit 143 stores credit information.

<2. Screen example>
A screen example of the settlement system according to the present embodiment will be described with reference to FIG. FIG. 11 is a schematic diagram showing an example of a payment portal according to this embodiment displayed on the display unit (not shown) of the payer device 300. As shown in FIG. As a point of difference from the first embodiment, the main screen A8 of the payment portal according to the present embodiment has a plurality of payment methods listed in the payment settlement method list display area a21 of the main screen A2 according to the first embodiment. , Payment by loan to the payer instead of "cardless payment" (hereinafter also referred to as "loan payment") shall include "loan payment". In order to simplify the explanation, it is assumed that the credit for this loan and the conclusion of the loan contract have been made in advance.

As shown in FIG. 11(a), in the payment settlement method list display area a81 of the main screen A8, the user receives a loan (hereinafter also simply referred to as "loan") for payment to the payer as a settlement method. is selected, that is, when the loan payment selection button a811 among the receiving means of the listed multiple payment methods is pressed, a payment method individual screen is displayed regarding the payer's borrowing status when lending to the payer. It changes to borrowing information screen A9 for displaying information.

As shown in FIG. 11(b), the borrowing information screen A9 includes a borrowing information display area a91 and a lending execution designation area a92. The borrowing information display area a91 displays information on the borrowing status of the payer (in this example, including the borrowing limit amount, the balance of the borrowing amount, and the borrowable amount of the payer) in lending. Although not shown in this example, the borrowable amount may be one aspect of the loan limit amount, and in this case, the borrowable amount is set to an amount within the payment amount.

The loan execution designation area a92 includes a loan execution designation button a921. When the loan execution designation button a921 is pressed, the screen changes to a loan content confirmation screen A10 for the payer to confirm the content set for executing the loan.

As shown in FIG. 11(c), the loan content confirmation screen A10 includes a loan payment information display area a101 and a loan payment execution area a102. The loan payment information display area a101 includes the billing number, the billing party, the payment amount, and the payer's borrowing balance after payment as contents set for execution of payment settlement by loan. The loan payment execution area a102 includes a loan payment execution button a1021. When the loan payment execution button a1021 is pressed, the settlement processing unit 112 performs processing for paying by loan to the payer. Specifically, after the loan processing unit 1123 transfers the payment amount to the payer's account, the payee account and the payee account are set in the same manner as the example of the bank transfer according to the first embodiment described above. and instruct the corresponding bank server to process the transfer. Also, as in the example of the bank transfer according to the first embodiment described above, when the transfer processing instructed to the bank server is completed, a completion notification dialog (not shown) is displayed to notify that effect. good too.

It should be noted that the above-described embodiment is an example for explaining the present invention, and is not intended to limit the present invention only to the embodiment. Also, the present invention can be modified in various ways without departing from the gist thereof. Furthermore, those skilled in the art can adopt embodiments in which each element described below is replaced with equivalents, and such embodiments are also included in the scope of the present invention.

[Modification]
Although the present invention has been described based on the above embodiments, the following cases are also included in the present invention.

At least a part of each component of the settlement server 100 according to the above embodiment may be provided in the payee device 200 or the payer device 300 . For example, the payee device 200 and the payer device 300 are made to implement all the functions of the payment server 100 as a dedicated application for the payment system 1, and the payment is made only by the exchange between the payee device 200, the bank server 400, and the payer device 300. invention may be realized.

Reference Signs List 1 payment system 100, 100a payment server 110 control unit 111 reception unit 112 payment processing unit 1121 payee transfer unit 1122 detection unit 1123 loan processing unit 113 acquisition unit , 114... output information generation unit, 115... period determination unit, 116... bill generation unit, 117... situation determination unit, 118... balance adjustment unit, 119... notification unit, 120... limit determination unit, 121... contract generation unit, 122 consent receiving unit 123 approval receiving unit 130 communication unit 131 transmission unit 1311 contract transmission unit 140 storage unit 141 output information storage unit 142 payment method storage unit 143 credit Information storage unit 200 Payee device 300 Payer device 400 Bank server 800 Computer 801 Processor 803 Memory 805 Storage device 807 Input I/F unit 809 Data I /F section, 811 -- communication I/F section, 813 -- display device.

Claims (11)

A settlement server of a settlement operator that settles payments for sales transactions between a payer and a payee,
To allow the payer to select a payment method to be adopted by the payer from the plurality of payment methods by referring to the output information storage unit that stores the payment method output information indicating the plurality of payment methods available for the payment. a transmission unit for transmitting the payment method output information to the payer device of the payer;
a reception unit that receives a selection of a payment method adopted by the payer from the payer device;
the accepted payment method is a method of making a bank transfer specifying the source account of the payment to be a second account of a second bank, and the second bank and the destination account of the payment are specified; If the first bank holding the first account is different from the first bank, the payment destination account is set to the collection account of the second bank held by the settlement operator, and the second bank server of the second bank , a payment processing unit that instructs transfer processing of the payment amount for the payment from the second account to the collection account;
a detection unit that, when instructed to perform the transfer process, instructs the second bank server to refer to the account information of the collection account and detects receipt of the payment amount to the collection account;
When the detection unit detects that the payment amount has been deposited into the recovery account, the above-mentioned a payment destination transfer unit that instructs transfer processing of the payment amount to the first account;
payment server. A payment server of a payment service provider that settles payments for sales transactions between payers and payees.
hand,
To allow the payer to select a payment method to be adopted by the payer from the plurality of payment methods by referring to the output information storage unit that stores the payment method output information indicating the plurality of payment methods available for the payment. a transmission unit for transmitting the payment method output information to the payer device of the payer;
a reception unit that receives a selection of a payment method adopted by the payer from the payer device;
Whether or not the payment period required for depositing the payment amount for said payment to the first account designated as the payment destination account for said payment when using said accepted payment method exceeds a predetermined period a period determination unit that determines
If the required payment period exceeds the predetermined period, the first bank server of the first bank that holds the first account will receive the first payment from the first bank account held by the settlement operator. a payment destination transfer section that instructs the transfer processing of the payment amount to one account;
a payment processing unit that, when the required payment period exceeds the predetermined period, sets the payment destination account to an account held by the payment business operator and performs processing for the payment using the accepted payment method; have a
payment server. The detection unit instructs the first bank server to refer to the account information of the first account when the payment transfer unit instructs the transfer of the payment amount to the first account. to detect receipt of said payment amount to said first account,
The payment server
an acquisition unit that acquires, from the recipient's device of the recipient, billing information indicating the billing for the payment including that the destination account is designated as the first account;
a status determination unit that determines the status of the payment for the payment request based on the billing information and the payment information indicating the payment of the payment amount to the first account detected by the detection unit;
An output information generating unit that generates payment status output information for outputting the result of the determination,
wherein the transmission unit transmits the payment status output information to the payee device;
The settlement server according to claim 1. The output information generation unit refers to a payment method storage unit that stores payment method information indicating the plurality of payment methods, generates the payment method output information based on the billing information, and stores the output information storage unit. Remember,
The settlement server according to claim 3 . further comprising a bill generating unit that generates bill data for billing the payment, including link information for outputting the payment method output information, based on the billing information and the payment method output information;
wherein the transmission unit transmits the bill data to the payer device;
The settlement server according to claim 4 . The billing information includes payment method limitation information that limits the payment method specified by the recipient,
The output information generation unit generates the payment method output information limited to the payment method specified by the payee based on the payment method limitation information.
The settlement server according to any one of claims 3 to 5 . The reception unit receives from the payer device an application for a loan for the payment,
A credit limit for determining a credit limit within the payment amount based on the application information indicating the accepted loan application by referring to a credit information storage unit that stores credit information indicating credit results for the payer. a decision unit;
a contract generation unit that outputs contract information indicating a loan contract based on the loan limit amount and generates loan contract output information for designating that the payer agrees to the loan contract;
a contract transmission unit that transmits the loan contract output information to the payer device;
a consent receiving unit that receives a designation that the payer agrees to the loan contract output from the payer device according to the loan contract output information;
a loan processing unit that transfers money to an account held by the payer within the limit of the loan amount based on the consent information that indicates the consent of the payer that has been accepted;
The settlement server according to any one of claims 1 to 6. to the computer of the Payment Provider that settles the payment for the sale transaction between the Payer and the Payee;
to allow the payer to select a payment method to be adopted by the payer from the plurality of payment methods by referring to an output information storage function that stores payment method output information indicating a plurality of payment methods available for the payment; a transmission function for transmitting the payment method output information to the payer device of the payer;
a receiving function for receiving selection of a payment method adopted by the payer from the payer device;
the accepted payment method is a method of making a bank transfer specifying the source account of the payment to be a second account of a second bank, and the second bank and the destination account of the payment are specified; If the first bank holding the first account is different from the first bank, the payment destination account is set to the collection account of the second bank held by the settlement operator, and the second bank server of the second bank , a payment processing function for instructing transfer processing of the payment amount for the payment from the second account to the collection account;
a detection function for detecting receipt of the payment amount to the collection account by instructing the second bank server to refer to the account information of the collection account when the transfer processing is instructed;
When the detection function detects that the payment amount has been deposited into the recovery account, the above-mentioned a payee transfer function for instructing transfer processing of the payment amount to the first account;
program. The computer of the payment service provider that settles the payment for the sale transaction between the payer and the payee,
To allow the payer to select a payment method to be adopted by the payer from the plurality of payment methods by referring to the output information storage unit that stores the payment method output information indicating the plurality of payment methods available for the payment. and transmitting the payment method output information to the payer device of the payer;
Receiving selection of a settlement method adopted by the payer from the payer device,
the accepted payment method is a method of making a bank transfer specifying the source account of the payment to be a second account of a second bank, and the second bank and the destination account of the payment are specified; If the first bank holding the first account is different, the payment destination account is set to the collection account of the second bank held by the payment operator,
instructing the second bank server of the second bank to transfer the payment amount for the payment from the second account to the collection account;
when there is an instruction for the transfer process, instructing the second bank server to refer to the account information of the collection account to detect receipt of the payment amount to the collection account;
When the deposit of the payment amount to the collection account is detected, the first bank server of the first bank is transferred from the advance account of the first bank held by the settlement operator to the first account instructing the transfer processing of the payment amount of
Payment processing method. to the computer of the Payment Provider that settles the payment for the sale transaction between the Payer and the Payee;
To allow the payer to select a payment method to be adopted by the payer from the plurality of payment methods by referring to the output information storage unit that stores the payment method output information indicating the plurality of payment methods available for the payment. a transmission function for transmitting the payment method output information to the payer device of the payer;
a receiving function for receiving selection of a payment method adopted by the payer from the payer device;
Whether or not the payment period required for depositing the payment amount for said payment to the first account designated as the payment destination account for said payment when using said accepted payment method exceeds a predetermined period A period determination function for determining
If the required payment period exceeds the predetermined period, the first bank server of the first bank that holds the first account will receive the first payment from the first bank account held by the settlement operator. a payment destination transfer function for instructing transfer processing of the payment amount to one account;
a payment processing function that sets the payment destination account to an account held by the payment business operator and performs processing for the payment using the accepted payment method when the payment required period exceeds the predetermined period; to realize
program. The computer of the payment service provider that settles the payment for the sale transaction between the payer and the payee,
To allow the payer to select a payment method to be adopted by the payer from the plurality of payment methods by referring to the output information storage unit that stores the payment method output information indicating the plurality of payment methods available for the payment. and transmitting the payment method output information to the payer device of the payer;
Receiving selection of a settlement method adopted by the payer from the payer device,
Whether or not the payment period required for depositing the payment amount for said payment to the first account designated as the payment destination account for said payment when using said accepted payment method exceeds a predetermined period to determine
If the required payment period exceeds the predetermined period, the first bank server of the first bank that holds the first account will receive the first payment from the first bank account held by the settlement operator. Instruct the transfer processing of the above payment amount to one account,
When the required payment period exceeds the predetermined period, the payment destination account is set to the account held by the payment business operator, and the payment method is performed.
Payment processing method.

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