JP7191161B1 - Financial Institution Systems, Payment Methods, and Programs - Google Patents

Abstract

An object of the present invention is to reduce the trouble of an operator of an electronic payment service that cooperates with a payment service that uses a payment slip or a payment number. A payment processing executing means (202) of a payment system (1), based on a payment slip read by a user terminal (50) or a payment number input to the user terminal (50), a user Execute payment processing using an electronic payment service available from a terminal (50). A payment processing execution means (203) executes payment processing from a business operator that provides an electronic payment service to a financial institution that provides a payment service using a payment slip or a payment number when payment processing is executed. do. A settlement processing executing means (205) executes settlement processing from the financial institution to the settlement destination when the deposit processing is executed. [Selection drawing] Fig. 5

Description

The present disclosure relates to payment systems, payment methods, and programs.

2. Description of the Related Art Conventionally, a payment service is known in which a payment slip or a payment number is used to pay public utility charges. In Patent Document 1, the scheduled payment confirmation data acquired based on the payment slip receipt and the payment details data acquired based on the payment slip are matched and matched, thereby shortening the matching work time and A technique for reducing the work load is described. Patent Literature 2 describes a technique for executing transfer processing from a user's account to a payee's account after reading a payment slip with a user terminal and performing personal authentication.

Japanese Patent No. 6027899 JP 2005-228156 A

However, the technique of Patent Document 1 requires the user to visit the window of the financial institution and pay the payment slip, which is troublesome for the user. With the technique disclosed in Patent Document 2, it is possible to pay with a payment slip from a user terminal, but only bank transfer can be used, so the convenience for the user cannot be sufficiently improved. For example, it would be more convenient for users if payment slips could be paid using the electronic payment services that users usually use, but electronic payment service providers have developed their own functions related to payment slips. Since it is necessary to do so, it takes time and effort for business operators.

One of the purposes of the present disclosure is to reduce the trouble of operators of electronic payment services that cooperate with payment services that use payment slips or payment numbers.

A payment system according to the present disclosure executes payment processing using an electronic payment service available from a user terminal, based on a payment slip read by the user terminal or a payment number entered into the user terminal. payment processing execution means, and when the payment processing is executed, a payment processing from a business operator that provides the electronic payment service to a financial institution that provides the payment service using the payment slip or the payment number; and payment processing execution means for executing payment processing from the financial institution to the settlement destination when the payment processing is executed.

It is a figure which shows an example of the whole payment system structure. FIG. 4 is a diagram showing an example of a screen displayed from an electronic payment application; FIG. FIG. 10 is a diagram showing a flow when using a payment service from a payment application; 1 is a diagram showing an example of a flow of funds in a payment service; FIG. It is a functional block diagram which shows an example of the function implement|achieved in a payment system. It is a figure which shows the data storage example of a user database. It is a figure which shows the data storage example of a member store database. 1 is a flow diagram showing an example of processing performed in a payment system; FIG. 1 is a flow diagram showing an example of processing performed in a payment system; FIG. It is a figure which shows an example of the functional block in a modification. FIG. 10 is a diagram showing an example of the flow of funds in modification 1;

[1. Overall configuration of payment system]
Hereinafter, examples of embodiments according to the present disclosure will be described in detail based on the drawings. FIG. 1 is a diagram showing an example of the overall configuration of a payment system. As shown in FIG. 1, for example, the payment system 1 includes a business operator server 10, a bank server 20, a collection agency server 30, a member store server 40, and a user terminal 50, which are connected to a network N such as the Internet. Connectable. Note that the payment system 1 may include at least one computer, and is not limited to the example in FIG.

The business server 10 is a server computer of a business that provides electronic payment services. Electronic payment services are electronic payments using computers. This payment is sometimes called cashless payment. Payment instruments available in the electronic payment service may be of any type. For example, payment using credit cards, debit cards, electronic money, electronic cash, points, bank accounts, wallets, or virtual currency. Payments using codes such as barcodes or two-dimensional codes are sometimes called code payments, and these codes are also one of the means of payment.

The provider server 10 includes a control section 11 , a storage section 12 and a communication section 13 . Control unit 11 includes, for example, at least one processor. The storage unit 12 includes at least one of a volatile memory such as RAM and a nonvolatile memory such as a hard disk. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

The bank server 20 is a server computer of a bank that provides payment services, which will be described later. A bank is an example of a financial institution. Therefore, the term "bank" in this embodiment can be read as "financial institution." The financial institution itself may be any institution such as a credit union or labor bank, and is not limited to a bank. For example, bank server 20 includes control unit 21 , storage unit 22 , and communication unit 23 . Hardware configurations of the control unit 21, the storage unit 22, and the communication unit 23 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively.

The collection agency server 30 is a server computer of a collection agency in the payment service. For example, the collection agency server 30 includes a control section 31 , a storage section 32 and a communication section 33 . The hardware configurations of the control unit 31, the storage unit 32, and the communication unit 33 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively.

The merchant server 40 is a server computer of a merchant in the payment service. For example, member store server 40 includes control unit 41 , storage unit 42 , and communication unit 43 . Hardware configurations of the control unit 41, the storage unit 42, and the communication unit 43 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively.

A user terminal 50 is a user's computer. In this embodiment, the user utilizes both the electronic payment service and the payment service. For example, the user terminal 50 is a smartphone, tablet terminal, wearable terminal, or personal computer. For example, the user terminal 50 includes a control section 51 , a storage section 52 , a communication section 53 , an operation section 54 , a display section 55 and an imaging section 56 . The hardware configurations of the control unit 51, the storage unit 52, and the communication unit 53 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The operation unit 54 is an input device such as a touch panel. The display unit 55 is a liquid crystal display or an organic EL display. The imaging unit 56 includes at least one camera.

At least one of the programs and data stored in the storage units 12, 22, 32, 42, and 52 may be supplied via the network N. Further, each of the business operator server 10, the bank server 20, the collection agency server 30, the member store server 40, and the user terminal 50 has a reading unit (for example, an optical disk drive, a memory card, etc.) that reads a computer-readable information storage medium. slot) and an input/output unit (for example, a USB port) for inputting/outputting data with an external device. For example, at least one of the program and data stored in the information storage medium may be supplied via at least one of the reading section and the input/output section.

[2. Overview of payment system]
In this embodiment, the processing of the payment system 1 will be described by taking as an example a scene where a user makes a payment with a payment slip using an electronic payment service. A payment slip is a form for making a payment at a store such as a convenience store. A payment slip is sometimes called an invoice or a payment note. The payment slip may be of any format, and may have, for example, the member store name, member store account information, payment amount, payment deadline, and bar code printed thereon.

A payment slip can be used for any payment, for example, it may be used to pay for taxes, utility bills, or goods purchased over the Internet. A merchant is the party that ultimately receives the user's payment, for example, the municipality or the store that sold the goods. The payment slip may describe the collection agent company instead of the member store.

For example, the payment slip is mailed to the user. The payment slip may be sent to the user as an electronic file and printed by the user. Alternatively, for example, a payment slip may correspond to a form printed by a user entering a payment number at a convenience store terminal or the like. The payment slip may not be printed on paper, and may be electronically displayed on the screen.

The barcode contains information necessary for payment, such as a payment ID that uniquely identifies each payment, a merchant ID that uniquely identifies a merchant, a payment amount, and a payment deadline. is In this embodiment, the barcode is described as an example of the code written on the payment slip, but the code written on the payment slip is not limited to the barcode. Any code such as a two-dimensional code can be used as the code written on the payment slip. Therefore, the bar code in this embodiment can be read as any other code.

By reading the barcode of the payment slip with the user terminal 50, the user can pay the payment slip without going to a convenience store or the like. Hereinafter, a service that enables payment of a payment slip from the user terminal 50 will be referred to as a payment service.

In this embodiment, the bank provides payment services for users who have opened accounts. For example, a user who has opened an account at a bank installs an application (hereinafter referred to as a bank application) on the user terminal 50 for using financial services provided by the bank. The user uses the bank application to pay the payment slip using the balance of his/her own account. A known method can be used for the payment service itself using a bank account.

The user can also use the electronic payment application installed on the user terminal 50 to pay the payment slip. An electronic payment application is an application for using an electronic payment service. In the present embodiment, an electronic payment service that uses electronic money charged with a credit card is taken as an example, but the payment means itself that can be used in the electronic payment service can be of the various types described above.

The payment service available from the electronic payment application uses some or all of the functions of the payment service available from the bank application. For example, in a payment service available from a bank application, the API of the bank server 20 is used to execute processing for payment of a payment slip. A payment service that can be used from an electronic payment application also uses all or part of this API. Therefore, in the present embodiment, the payment service mechanism that can be used from the electronic payment application is realized by diverting the existing mechanism of the payment service that can be used from the bank application.

It is assumed that the user has already registered for use of the electronic payment service. Furthermore, it is assumed that the user has already registered a credit card with an electronic payment service and charged a certain amount of electronic money. For example, when the user operates the user terminal 50 to activate an electronic payment application, the top screen of the electronic payment application is displayed on the display unit 55 .

FIG. 2 is a diagram showing an example of a screen displayed from an electronic payment application. As shown in FIG. 2, the balance of electronic money is displayed on the top screen G1. When the user selects icon I10, electronic money can be charged using a pre-registered credit card. When the user selects the icon I11, settings such as credit card registration can be performed. When the user selects the icon I12, a code for using electronic money is displayed on the display unit 55. FIG. When the code is read by a store POS terminal or the like, settlement processing using electronic money is executed.

Note that the settlement process itself is not limited to the method using the code displayed on the display unit 55, and any method may be used. For example, the payment processing may be a method of reading a code posted at a store or the like, or may be a method of completing only by operating the user terminal 50 . Alternatively, for example, if the user terminal 50 is equipped with an IC chip, the settlement process may be executed using the IC chip.

In this embodiment, the electronic payment application corresponds to a super application. An electronic payment application can provide any mini-application, for example, an online shopping application, a vehicle dispatch application, a delivery application, a ticket reservation application, or an electronic book application. Various known types of apps can be used for the super apps and mini apps themselves. On the top screen G1, an icon I13 of the mini-app used by the user is displayed.

In this embodiment, when a user adds a mini-app, the mini-app is installed on the user terminal 50, but the mini-app may be provided as a so-called web view using a browser. A mini app can be linked with an electronic payment app that is a super app. For example, when some kind of payment occurs within the mini-app, payment processing can be executed using the payment means of the super-app.

When the user selects the icon I14 on the top screen G1, the display unit 55 displays a list screen G2 showing a list of mini-apps that can be added from the electronic payment application. In this embodiment, as shown in the list screen G2, mini-applications are provided that can provide payment services using payment slips. Payment services are services operated by banks. Hereinafter, this mini app will be referred to as a payment app. Payment apps are created by banks and provided to users.

When the user selects the icon I20 on the list screen G2, the display unit 55 displays a confirmation screen G3 for confirming the addition of the payment application. The confirmation screen G3 displays a message M30 indicating that the payment service is operated by a bank, and a button B31 for displaying the terms of use of the payment service. The user selects the button B31 to confirm the terms of use, and then selects the check box C32.

When the user selects the button B33 on the confirmation screen G3, the payment application is added to the electronic payment application. Since the payment service is a service operated by a bank, information necessary for the payment service is provided from the operator server 10 to the bank server 20 when the payment application is added. Although omitted in FIG. 2, a message may be displayed to prompt the user to consent to the provision of information. When the payment application is added, an icon I15 indicating the payment application is displayed on the top screen G1. After that, the user will be able to use the payment service from the payment app. For example, when the user selects icon I<b>15 , the top screen of the payment application is displayed on display unit 55 .

FIG. 3 is a diagram showing a flow when using a payment service from a payment application. As shown in FIG. 3, the top screen G4 of the payment application displays a message M40 indicating that the payment service is operated by a bank. When the user selects the button B41, the display unit 55 can display a list of member stores available for the payment service. All member stores that have issued payment slips may support the payment service, but in this embodiment, it is assumed that only some member stores support the payment service.

When the user selects the button B42, the photographing unit 56 is activated and the photographing screen G5 is displayed on the display unit 55. FIG. The imaging unit 56 continuously performs imaging processing at a predetermined frame rate. An image shot by the shooting unit 56 is displayed on the shooting screen G5. The user terminal 50 detects the barcode from the captured image based on a known detection algorithm. When the user terminal 50 detects the barcode, the user terminal 50 extracts the barcode information included in the barcode and transmits it to the bank server 20 . The bar code information may be logged via the provider server 10, but in this embodiment, it is assumed to be directly transmitted from the user terminal 50 to the bank server 20. FIG.

The bank server 20 identifies the member store based on the received bar code information and determines whether or not the member store can use the payment service. If it is determined that the member store is not a member store that can use the payment service, the payment slip cannot be paid from the mini-application, so an error message to that effect is displayed on the display unit 55 . On the other hand, when it is determined that the member store can use the payment service, a confirmation screen G6 for confirming payment is displayed on the display unit 55 .

For example, the confirmation screen G6 displays information such as the member store, payment amount, and payment source. These pieces of information may be registered in the bank server 20 in advance, or may be obtained by the bank server 20 inquiring of the collection agency server 30, the member store server 40, or another server. The payment source is information related to the settlement means used for payment of the payment slip. For example, the name of the electronic money available from the electronic payment application, the name of the electronic money holder, the balance of the electronic money, and the balance of the electronic money after payment are displayed as the payment source.

When the user uses the payment application for the first time, a button B60 for displaying the terms of use may be displayed. The user selects the button B60 to confirm the terms of use, and then selects the check box C61. The button B60 and the check box C61 may not be displayed for the second and subsequent uses. When the user selects the button B62 with the check box C61 checked, the payment slip is paid using the balance of the user's electronic money, and a completion screen G7 indicating that the payment is completed appears on the display unit 55. Is displayed.

FIG. 4 is a diagram showing an example of the flow of funds in a payment service. As shown in FIG. 4, the user pays the business operator using electronic money. A business operator deposits a certain amount of money (for example, about several tens of thousands of yen to several millions of yen) all at once into a first account opened in a bank at an arbitrary timing. The first account is a corporate account for business operators. The first account may be used for purposes other than the payment service, but in this embodiment, it shall be used only for the payment service in principle.

In addition to the first account, the bank has a second account for settlement with the collection agent company. The bank performs remittance from the first account to the second account in a predetermined remittance cycle. The bank settles the account with the receiving agency based on the second account in a predetermined settlement cycle. Any method such as bank transfer can be used for this settlement itself. The collection agent company settles the account with the member store based on the settlement from the bank. Any method such as transfer can also be used for this settlement. A known method can be used for each of the settlement from the bank to the collection agency and the settlement from the collection agency to the member store. In this embodiment, funds are transferred from the user to the member store according to the flow shown in FIG.

For example, in the existing payment service provided by the bank application, after remittance is made from the user's personal account to the account corresponding to the second account, settlement to the collection agency is performed. Therefore, the existing payment service can be used for the flow of funds in the payment service provided by the payment application. The second account may be shared between the existing payment service provided by the bank application and the payment service provided by the payment application.

The terms such as payment, payment, receipt of money, remittance, and settlement generally mean transfer of funds, but in this embodiment, payment refers to a case where a "payment slip" or a "payment number" is specified. In principle, it shall not be used for the transfer of funds. The terms payment, deposit, remittance, and settlement shall have the meanings set forth below.
Payment: transfer of funds from the user to the business Receipt: transfer of funds from the business to the bank Remittance: transfer of funds within the bank Settlement: transfer of funds from the bank to the receiving agency, or joining from the receiving agency Transferring funds to the store

As described above, the payment system 1 utilizes the function of the payment service provided by the bank and realizes the payment of the payment slip using the electronic payment service. This eliminates the need for the electronic payment service provider to independently develop a function related to the payment of the payment slip in order to realize the payment service, thereby reducing the effort of the provider. Hereinafter, details of the configuration of the payment system 1 will be described.

[3. Functions realized in the payment system]
FIG. 5 is a functional block diagram showing an example of functions implemented in the payment system 1. As shown in FIG. In this embodiment, the functions realized by each of the business operator server 10, bank server 20, collection agency server 30, member store server 40, and user terminal 50 will be described.

[3-1. Functions realized in the provider server]
As shown in FIG. 5, in the provider server 10, a data storage unit 100, an authentication processing execution unit 101, and a payment processing execution unit 102 are realized. The data storage unit 100 is realized mainly by the storage unit 12 . Other functions are realized mainly by the control unit 11 .

[Data storage part]
The data storage unit 100 stores data necessary for providing electronic payment services. Data storage unit 100 also stores data necessary to provide some functions of the payment service. For example, the data storage unit 100 stores a user database DB1.

FIG. 6 is a diagram showing an example of data storage in the user database DB1. As shown in FIG. 6, the user database DB1 is a database that stores information on users of the electronic payment service. For example, the user database DB1 stores user IDs, passwords, names, mini-application information, electronic money information, and credit card information. When a user registers for use of the electronic payment service, a new record is created in the user database DB1, and information such as the user ID of this user is stored.

A user ID is user identification information that can identify a user in an electronic payment service. The user identification information may be information called by a name other than the user ID, such as a user account. Other information such as email address or phone number may be used as user identification information. Any personal information other than the name may be associated with the user ID. For example, information such as the user's email address, phone number, address, date of birth, or gender may be associated with the user ID. All or part of this information may be shared with the mini-app provider selected by the user.

The mini-app information is information related to at least one mini-app selected by the user from among multiple mini-apps available from the electronic payment app. For example, the mini-app information includes an app ID that identifies the mini-app that the user is using. Mini-app information may include the usage status of mini-apps, but in this embodiment, the mini-app provider manages the usage status of individual mini-apps. For example, since the provider of the payment application is a bank, the usage status of the payment application (the amount paid for the payment slip already paid, the affiliated store, etc.) is stored in the data storage unit 200 of the bank server 20 .

The electronic money information is information about the user's electronic money. For example, the electronic money information includes the electronic money balance. The electronic money information may include information such as usage history or charge history. The credit card information is information on the user's credit card registered with the electronic payment service. For example, the credit card information stores information such as the credit card number, expiration date, or name holder. When the user adds a credit card, credit card information corresponding to the credit card is stored in the user database DB1.

[Authentication processing execution unit]
The authentication processing execution unit 101 executes predetermined authentication processing when a user requests execution of payment processing from an electronic payment application. In this embodiment, the user terminal 50 executes biometric authentication, and the authentication processing execution unit 101 acquires the biometric authentication execution result from the user terminal 50 . Biometric authentication itself can use any method, such as face authentication, fingerprint authentication, or iris authentication. The authentication processing execution unit 101 determines that the authentication processing has failed when the execution result of biometric authentication indicates failure, and determines that the authentication processing has succeeded when the execution result of biometric authentication indicates success.

Any method can be used for the authentication process itself, and it is not limited to the example of this embodiment. For example, biometric authentication may be performed by the operator server 10 instead of by the user terminal 50 . In this case, it is assumed that the user database DB1 stores biometric information that is the correct answer for biometric authentication. As methods other than biometric authentication, knowledge authentication such as password authentication or passcode authentication may be used, or possession authentication for confirming belongings such as cards may be used. Knowledge authentication or possession authentication may also be performed by the user terminal 50 or by the provider server 10 .

[Payment processing execution unit]
The payment processing execution unit 102 executes payment processing based on the user's payment method stored in the user database DB1 when the user requests execution of payment processing from the electronic payment application. In this embodiment, the payment processing execution unit 102 does not execute the payment processing when the authentication processing fails, and executes the payment processing when the authentication processing succeeds. It should be noted that the authentication process may not be requested when the payment process is executed. Various known methods can be used for the settlement process itself.

In this embodiment, electronic money is used, so the payment processing executing unit 102 executes payment processing by reducing the balance indicated by the user's electronic money information by a predetermined amount. This amount may be the same as the payment amount of the payment slip, or may be an amount obtained by adding a predetermined fee to this payment amount. Even if the user sets another payment method such as a credit card or a bank account as the payment source, the payment processing execution unit 102 may execute payment processing for a predetermined amount based on the other payment method. The settlement processing executing unit 102 can also execute settlement processing in any scene other than the payment slip.

[3-2. Functions Realized in Bank Server]
As shown in FIG. 5, the bank server 20 implements a data storage unit 200, an execution result acquisition unit 201, a payment processing execution unit 202, a deposit processing execution unit 203, a remittance processing execution unit 204, and a settlement processing execution unit 205. be. The data storage unit 200 is implemented mainly by the storage unit 22, and the other functions are implemented mainly by the control unit 21. FIG.

[Data storage part]
The data storage unit 200 stores data necessary for providing payment services. For example, the data storage unit 200 stores a member store database DB2.

FIG. 7 is a diagram showing a data storage example of the member store database DB2. As shown in FIG. 7, the member store database DB2 is a database that stores information on member stores of the payment service. For example, the member store database DB2 stores member store IDs that can identify member stores and member store names that are names of member stores. A member store whose member store ID is stored in the member store database DB2 is a member store that can pay with a payment slip using an electronic payment service.

Among the payment slips, there are payment slips of member stores that do not support the payment service of this embodiment. In order to prevent the processing of this embodiment from being executed when the payment slip of this member store is read by the user terminal 50 by mistake, the member stores that can handle the payment service are defined in the member store database DB2. It is The member store database DB2 is updated when a member store compatible with the payment service is added or deleted.

Note that the data stored in the data storage unit 200 is not limited to the member store database DB2. For example, the data storage unit 200 may store an account database relating to accounts opened at a bank. For example, the account database stores information such as branch name, account number, account type, balance, deposit/withdrawal details, and nominee. In this embodiment, since the first and second accounts are used in the payment service, the account database also stores information about each of the first and second accounts. When each of deposit processing and remittance processing, which will be described later, is executed, the information of the first account stored in the account database is updated. When each of the remittance process and settlement process, which will be described later, is executed, the information of the second account stored in the account database is updated.

For example, the data storage unit 200 may store a payment slip database related to payment slips. For example, the payment slip database stores information such as payment IDs that can identify individual payments, member store IDs, payment amounts, and payment deadlines. The barcode of the payment slip includes at least the payment ID. The payment ID may be printed on the payment slip as letters or numbers rather than as a barcode. The payment slip may include information other than the payment ID (member store name, etc.). Other information may also be included in the bar code or printed on the payment slip as letters or numbers.

The payment slip database may store information on both payment slips before payment and payment slips after payment, or may store information on only one of them. The payment slip database may store receipt information regarding paid payment slips. The collection information is transmitted to the collection agent company server 30 . Various publicly known information can be used as the storage information itself. As for the information itself necessary for payment of the payment slip, various known information can be used.

[Execution result acquisition unit]
The execution result acquisition unit 201 acquires from the user terminal 50 the execution result of the authentication process executed when the payment slip is read. The execution result of authentication processing is information indicating whether or not the authentication processing was successful. In this embodiment, the biometric authentication itself is executed by the user terminal 50, but since the execution result of the biometric authentication is confirmed by the authentication processing execution unit 101 of the business server 10, the user terminal 50 The execution result of the authentication process is acquired from the authentication process execution unit 101 and transmitted to the bank server 20 .

The execution result acquisition unit 201 acquires the execution result of the authentication processing executed by the authentication processing execution unit 101 of the provider server 10 via the user terminal 50 . Note that the execution result acquisition unit 201 may acquire the execution result of the authentication process directly from the provider server 10 without using the user terminal 50 . Also, when the authentication process is completed only by the user terminal 50 , the execution result acquiring unit 201 may acquire the execution result of the authentication process completed only by the user terminal 50 .

[Payment processing execution part]
The payment processing execution unit 202 executes payment processing using an electronic payment service available from the user terminal 50 based on the payment slip read by the user terminal 50 . Payment processing is processing for paying a payment slip using a user's settlement means in an electronic settlement service. In this embodiment, processing for subtracting the amount corresponding to the payment amount of the payment slip from the balance of the user's electronic money corresponds to the payment processing.

Strictly speaking, the process of subtracting the balance of electronic money is executed by the payment processing execution unit 102 of the operator server 10. Therefore, the payment processing execution unit 202 instructs the payment processing execution unit 102 of the operator server 10 to The payment process is executed by requesting the process of subtracting the electronic money balance. In this embodiment, a case will be described in which the payment processing execution unit 202 requests the business server 10 via the user terminal 50 to perform a process of subtracting the balance of electronic money. The server 10 may be directly requested to perform a process of subtracting the electronic money balance.

In the present embodiment, a mini-application of an electronic payment application is used, so the payment processing execution unit 202 executes payment processing based on the mini-application. The user terminal 50 reads the payment slip and communicates with the bank server 20 based on the mini-application. In principle, the user terminal 50 does not communicate with the provider server 10 on the mini-application, but basically communicates with the bank server 20 . Even if the user terminal 50 somehow communicates with the provider server 10, only the minimum contents are exchanged.

For example, the payment processing execution unit 202 acquires barcode information acquired using a mini-app from the user terminal 50 . The payment processing execution unit 202 acquires the member store ID of the payment slip read by the user terminal 50 based on the barcode information. The member store ID may be included in the barcode information, or may be stored in the payment slip database in association with the information included in the barcode information. The payment processing execution unit 202 refers to the member store database DB2 and determines whether or not the acquired member store ID is stored. That is, the payment processing execution unit 202 determines whether or not the member store indicated by the acquired member store ID supports the payment service.

The payment processing execution unit 202 does not execute payment processing unless it is determined that the member store ID is stored in the member store database DB2. If it is determined that the member store ID is stored in the member store database DB2, the payment processing execution unit 202 acquires information such as the name of the member store and the payment amount based on the database of the member store DB2 and the payment slip database, Send to the user terminal 50 . A confirmation screen G6 is displayed on the user terminal 50 based on this information.

Upon receiving from the user terminal 50 the notification indicating that the button B62 of the confirmation screen G6 has been selected, the payment processing execution unit 202 executes payment processing based on the already specified payment ID. For example, the payment processing execution unit 202 requests the user terminal 50 to withdraw electronic money by the amount corresponding to the payment amount associated with the payment ID. The user terminal 50 calls the electronic payment application from the mini-application, and uses the functions of the electronic payment application to execute payment processing with the payment processing execution unit 102 of the business server 10 .

As described above, the authentication process is executed before the payment process is executed, so the payment process executing unit 202 executes the payment process based on the execution result of the authentication process. If the authentication process fails, the payment process is not completed because the payment process itself is not executed. If the authentication process succeeds, the payment process execution unit 202 executes the payment process, and therefore executes the subsequent payment process. Even if the authentication process is successful, the payment process will not be completed if the balance of the electronic money is insufficient. Whether or not the electronic money balance is insufficient may be determined before the authentication process is executed.

When the payment processing by the payment processing execution unit 102 of the operator server 10 is completed, the balance of the electronic money is reduced by an amount corresponding to the payment amount, and the payment processing execution unit 202 notifies the user terminal 50 of the completion of the payment processing. Get notifications showing Upon receiving this notification, the payment processing execution unit 202 generates receipt information and stores it in the payment slip database. The payment processing executing unit 202 transmits this collection information to the collection agency server 30 . This storage information may be used to reconcile payment slips stored in the payment slip database. That is, receipt information may be used to determine whether payment for individual payment slips has been completed.

[Payment processing execution unit]
The deposit processing execution unit 203 executes the deposit processing from the business operator that provides the electronic settlement service to the bank that provides the payment service using the payment slip when the payment processing is executed. Deposit processing is processing for transferring funds equal to or greater than the payment amount in payment processing. In this embodiment, a case where deposit processing is executed using a transfer will be described, but the deposit processing may be any method that allows funds to be transferred from the business operator to the bank. Various known methods can be used as the method of transferring funds. For example, if the business operator has already opened an account with the same name as the first account, the deposit processing may be executed by transfer.

In this embodiment, a bank has a first account for deposit processing and a second account for settlement processing, and deposit processing means transferring funds to the first account. Therefore, the deposit processing execution unit 203 executes the deposit processing from the business operator to the first account when the payment processing is executed. For example, the business server 10 requests the bank server 20 to execute a payment process when receiving a predetermined deposit operation from a terminal operated by an employee of the business. This request includes the payment amount in the payment processing. The deposit processing executing unit 203 executes deposit processing based on this request, and increases the balance of the first account by the amount specified by the business operator. Note that the request for deposit processing may be periodically executed by batch processing or the like instead of being manually performed by an employee of the business operator.

[Remittance processing execution unit]
The remittance processing executing unit 204 executes remittance processing from the first account to the second account. This remittance process is a process of transferring part or all of the balance of the first account to the second account. In the remittance process, it is assumed that funds equal to or greater than the total amount of the payment amount of the payment slip for which the storage information is created are transferred, but funds that are slightly less than this total amount may be transferred. Also, the remittance amount in the remittance process may be a fixed amount instead of being determined dynamically according to the storage information.

For example, the remittance process executing unit 204 determines whether or not the timing for executing the remittance process has come based on a predetermined remittance cycle. The remittance cycle is an execution cycle of remittance processing. In this embodiment, a case where the remittance process is performed periodically will be described, but the remittance process may be performed irregularly. For example, remittance processing may be executed at the timing when a bank employee or the like performs some operation.

[Settlement processing execution unit]
The settlement processing executing unit 205 executes settlement processing from the bank to the collection agent company when the deposit processing is executed. A collection agent company is an example of a settlement destination. For this reason, the description of the collection agent company in this embodiment can be read as the settlement destination. A clearing destination is a transfer destination to which a bank temporarily deposits funds. When the funds are transferred directly from the bank to the member store, the settlement destination may be the member store. The settlement destination may be an organization called by a name other than a collection agent company or a member store.

In this embodiment, the settlement processing executing unit 205 executes settlement processing based on the second account when each of the deposit processing and the remittance processing is executed. For example, the settlement process executing unit 205 determines whether or not the execution timing of the settlement process has come based on a predetermined settlement cycle. The settlement cycle is an execution cycle of settlement processing. In the present embodiment, a case will be described in which the settlement process is executed periodically, but the settlement process may be executed irregularly. For example, the settlement process may be executed at the timing when a bank employee or the like performs some operation.

For example, the settlement processing executing unit 205 refers to the payment slip database and acquires unsettled receipt information. The settlement processing execution unit 205 executes settlement processing based on the total amount of payment indicated by the unsettled receipt information. The settlement processing executing unit 205 executes the settlement processing by transferring the total amount to the account of the collection agent company. This account may be the bank described in this embodiment, or may be another bank. This account may be a non-bank account. The method of transferring funds in settlement processing is not limited to transfer, and various methods can be used in the same manner as in deposit processing.

[3-3. Functions realized in the collection agency server]
As shown in FIG. 5, the collection agency server 30 implements a data storage unit 300 . Data storage unit 300 is realized mainly by storage unit 32 . The data storage unit 300 stores a database relating to payment slips handled by the collection agent company. This database may be a database similar to that stored in the bank server 20, but the collection agent company may also support other payment services other than the payment service of this embodiment. , information on more payment slips is stored.

Upon receiving the collection information from the bank server 20 , the collection agency server 30 reconciles the unsettled payment slip based on the database stored in the data storage unit 300 . The collection agency server 30 executes settlement processing of the total amount of the payment slips that have been settled for each member store. It is the same as the settlement processing execution unit 205 of the bank server 20 in that this settlement processing can be executed by any method.

[3-4. Functions Realized in Merchant Server]
As shown in FIG. 5, the member store server 40 implements a data storage unit 400 . Data storage unit 400 is realized mainly by storage unit 42 . The data storage unit 400 stores a database related to payment slips issued by member stores. Among the databases stored in the collection agency server 30, this database stores information related to payment slips issued by member stores. The member store server 40 may reconcile unpaid payment slips based on the database stored in the data storage unit 400 . The member store server 40 stores the execution result of this settlement process in the database of the data storage unit 400 when the collection agency server 30 executes the settlement process.

[3-5. Functions implemented in user terminal]
As shown in FIG. 5 , the user terminal 50 implements a data storage unit 500 , a detection unit 501 , a reception unit 502 , and a display control unit 503 . Data storage unit 500 is realized mainly by storage unit 52 . Other functions are realized mainly by the control unit 51 . An electronic payment application, which is a super application related to electronic payment services, is installed in the user terminal 50 . From the electronic payment app, it is possible to use the payment app, which is a mini app related to payment services.

[Data storage part]
The data storage unit 500 stores the data necessary to execute the payment corresponding to the barcode. The data storage unit 500 stores electronic payment applications and payment applications. The data storage unit 500 may store information for logging into the application. If an electronic payment application can use multiple payment methods, the data storage unit 500 may store information identifying the payment method selected by the user.

[Detection unit]
The detection unit 501 detects the barcode of the payment slip. In the present embodiment, a case where a photographed image photographed by the photographing unit 56 is used will be described, but the user terminal 50 may be provided with a dedicated code reader. For example, the detection unit 501 analyzes the captured image to detect the barcode. The detection unit 501 acquires barcode information included in the detected barcode. The detection unit 501 may detect the information written on the payment slip by using optical character recognition on the captured image without using the barcode. In this case, the captured image may be sent to the bank server 20 and optical character recognition may be performed on the bank server 20 .

[Reception Department]
The accepting unit 502 accepts a user's operation. For example, the receiving unit 502 receives an operation for each screen described with reference to FIGS. 2 and 3. FIG.

[Display control part]
The display control unit 503 displays each screen described with reference to FIGS. 2 and 3 based on at least one of the electronic payment application and the payment application.

[4. Processing performed in the payment system]
8 and 9 are flow charts showing an example of processing executed in the payment system 1. FIG. The processes shown in FIGS. 8 and 9 are executed by each of the control units 11, 21, 31, 41 and 51 operating according to the programs stored in the storage units 12, 22, 32, 42 and 52. FIG. This processing is an example of processing executed by each functional block. It is assumed that the user has completed registration for use of the electronic payment service, installation of the electronic payment application, and setting for use of the payment application. Therefore, it is assumed that the user terminal 50 can display the top screen G1 including the icon I15 in FIG.

As shown in FIG. 8, the user terminal 50 activates the electronic payment application based on the user's operation, and displays the top screen G1 of the electronic payment application on the display unit 55 (S1). In S1, a login process may be executed between the user terminal 50 and the provider server 10. FIG. When the user selects the icon I15, the user terminal 50 activates the payment application and displays the top screen G4 of the payment application on the display unit 55 (S2). A login process may be executed between the user terminal 50 and the bank server 20 in S2. When the user selects the button B42, the user terminal 50 activates the photographing unit 56 to display the photographing screen G5 on the display unit 55 (S3). In S3, the user terminal 50 continuously acquires captured images based on the detection signal of the imaging unit 56, and displays the captured images on the captured screen G5.

The user terminal 50 detects the barcode based on the captured image (S4). In S4, the user terminal 50 analyzes the captured image based on a known detection algorithm to detect the barcode. The user terminal 50 acquires the barcode information included in the barcode based on the rules defined in the detection algorithm. Barcode information shall include information that can identify individual payments.

The user terminal 50 transmits the barcode information acquired from the barcode to the bank server 20 (S5). Upon receiving the bar code information, the bank server 20 determines whether or not the member store can handle the payment service based on the member store database DB2 (S6). If it is determined that the member store is not compatible with the payment service (S6; N), a predetermined error message is displayed and the process ends.

When it is determined that the member store can handle the payment service (S6; Y), the bank server 20 transmits information such as the payment amount to the user terminal 50 (S7). When the user terminal 50 receives the information such as the payment amount, the user terminal 50 displays the confirmation screen G6 on the display unit 55 (S8). When the user selects the button B60 to confirm the terms of use and selects the button B62 with the check box C61 checked, the user terminal 50 transmits a payment processing execution request to the bank server 20 ( S9).

When the bank server 20 receives the payment processing execution request, the bank server 20 requests the user terminal 50 to call the electronic payment application and execute the authentication processing (S10). Upon receiving the request, the user terminal 50 executes authentication processing with the provider server 10 (S11). The user terminal 50 transmits the execution result of the authentication process to the bank server 20 (S12).

Upon receiving the execution result of the authentication process, the bank server 20 refers to the execution result of the authentication process (S13). If the execution result of the authentication process is a failure (S13; failure), a predetermined error message is displayed and the process ends. If the execution result of the authentication process is successful (S13; success), the bank server 20 requests the user terminal 50 to use electronic money (S14). In the flowchart of FIG. 8, a series of processes of S10, S13, and S14 correspond to payment processing.

Moving on to FIG. 9, the user terminal 50 executes settlement processing for using electronic money with the operator server 10 based on a request from the bank server 20 (S15). The user terminal 50 notifies the bank server 20 that electronic money has been used (S16). Upon receiving the notification, the bank server 20 generates receipt information (S17) and notifies the user terminal 50 that the payment process has been completed (S18). Upon receiving the notification, the user terminal 50 causes the display unit 55 to display the completion screen G7 (S19). Thus, the processing on the user terminal 50 side is completed.

The operator server 10 requests the bank server 20 to execute the process of depositing money into the first account based on the operation of an employee of the operator (S20). Based on this request, the bank server 20 executes processing for depositing money into the first account (S21). The bank server 20 executes remittance processing from the first account to the second account based on a predetermined remittance cycle (S22). The bank server 20 executes settlement processing to the receiving agency based on a predetermined settlement cycle (S23). The execution result of the settlement process is transmitted to the collection agent company server 30 . The collection agency server 30 executes settlement processing for the member store (S24).

According to the payment system 1 described above, when a payment slip is read by the user terminal 50, by executing each of the payment processing, the deposit processing, and the settlement processing, an electronic payment service business that cooperates with the payment service Since payment services can be provided using the functions of the bank without requiring the business to develop its own functions, the work of the business can be reduced. For example, even a user who has not opened an account at a bank can use the payment service, which improves convenience for the user. In addition, since the user can pay the payment slip using the electronic money that the user is accustomed to using, convenience for the user is improved in this respect as well. Banks can also use payment service mechanisms from existing bank apps, so the burden on banks will not be too large.

In addition, the payment system 1 executes remittance processing from the first account to the second account, and when each of the deposit processing and the remittance processing is executed, the settlement processing is executed based on the second account. , the funds necessary for settlement processing can be collectively managed in the second account, and the settlement processing can be simplified.

In addition, the payment system 1 executes payment processing based on the payment app, which is a mini-app that can be used from the electronic payment app, which is a super app. can provide For example, payment apps are developed by banks in principle, which reduces the burden on business operators. The payment application itself can be created by using an existing bank application that provides payment services, so the burden on the bank side will not be too large.

In addition, the payment system 1 executes payment processing based on the execution result of the authentication processing acquired from the user terminal 50, thereby enhancing the security of the payment service. A highly secure payment service can be realized without the need for the bank to manage the information required for authentication.

[5. Modification]
Note that the present disclosure is not limited to the embodiments described above. Modifications can be made as appropriate without departing from the gist of the present disclosure.

FIG. 10 is a diagram showing an example of functional blocks in a modification. As shown in FIG. 10, in the modified example, in addition to the functions described in the embodiment, a storage information acquisition unit 206, a first determination unit 207, a first restriction unit 208, a second determination unit 209, and a second restriction unit 210 is implemented.

[5-1. Modification 1]
For example, a payment service may work with electronic payment services of each of multiple businesses. That is, there may be a plurality of electronic payment services available from the user terminal 50, and the user may be able to use any electronic payment service to pay the payment slip. In this case, the first account may exist for each business operator. That is, a bank has a first account for each of a plurality of business operators. A plurality of first accounts may exist for one business operator.

FIG. 11 is a diagram illustrating an example of the flow of funds in Modification 1; In the example of FIG. 11, three business operators X to Z each provide electronic payment services. The bank has first accounts AX to AZ for business operators X to Z, respectively. The deposit processing execution unit 203 executes deposit processing from each of the plurality of business operators to the first accounts AX to AZ. For example, the deposit processing executing unit 203 executes deposit processing from the business operator X to the first account AX. The deposit processing executing unit 203 executes deposit processing from the business operator Y to the first account AY. The deposit processing executing unit 203 executes deposit processing from the business operator Z to the first account AZ. Deposit processing to individual first accounts AX to AZ is as described in the embodiment. In the following description, the codes of business operators X to Z and first accounts AX to AZ are omitted.

The remittance processing execution unit 204 executes remittance processing from the first account to the second account of each of a plurality of business operators. In Modification 1, the first account and the second account are in many-to-one correspondence. That is, the second account is an account common to multiple business operators. The second account is an account that aggregates funds from each of the multiple first accounts. The remittance process from each individual first account to the second account is as described in the embodiment. In the example of FIG. 11, the funds from the three first accounts are aggregated into the second account. A second account may be prepared for each first account. That is, there may be multiple second accounts.

The timing of the remittance process from a certain first account to the second account and the timing of the remittance process from another first account to the second account may be the same or different. In the example of FIG. 11, the timing of the remittance processing from the first account AX of the business operator X to the second account, the timing of the remittance processing from the first account AY of the business operator Y to the second account, and the business operator Z Each timing of remittance processing from the first account AZ to the second account may be the same or may be different from each other.

According to Modification 1, each of a plurality of business operators performs deposit processing to the first account, and by executing remittance processing from the first account of each of the plurality of business operators to the second account, a plurality of can provide payment services using the electronic payment services of each business operator. Since the user can use the electronic settlement service of any business operator, the user's convenience is enhanced.

[5-2. Modification 2]
For example, as described in the embodiment, the settlement processing executing unit 205 executes settlement processing based on a predetermined settlement cycle. The remittance process executing unit 204 may execute the remittance process based on a remittance cycle shorter than the settlement cycle. For example, if the settlement cycle from the bank to the receiving agency is 3 days, the remittance cycle from the first account to the second account may be 1 day or 2 days. When a certain remittance timing t1 arrives and the remittance processing is executed, the remittance processing execution unit 204 specifies the timing after this remittance timing by the remittance cycle as the next remittance timing t2. When the remittance timing t2 arrives, the remittance processing execution unit 204 executes the remittance processing based on the total amount of the storage information generated between the remittance timing t1 and the remittance timing t2.

According to Modification 2, it is possible to prevent the balance of the second account from becoming insufficient by executing the remittance process based on the remittance cycle shorter than the settlement cycle.

[5-3. Modification 3]
For example, the payment processing executing unit 203 may execute payment processing based on the balance of the first account. The deposit processing executing unit 203 automatically executes deposit processing when the balance of the first account becomes less than a predetermined threshold. The deposit processing executing unit 203 does not execute the deposit processing when the balance of the first account is equal to or greater than the threshold. Even if the balance of the first account is equal to or greater than the threshold value, the payment processing execution unit 203 performs the payment processing each time payment processing is instructed by an employee of the business operator or when a predetermined timing comes. may be executed.

Note that the deposit processing execution unit 203 may execute other processing for prompting the business operator to perform the deposit processing based on the balance of the first account. Any other process may be used as long as it outputs some information to the business operator. For example, a process of sending a message prompting a payment process to the provider server 10 or a terminal of an employee of the provider may correspond to other processing. This message can use any medium, such as e-mail, SNS, SMS, or a messaging app. Alternatively, for example, processing for outputting a signal indicating a predetermined alert instead of a message may correspond to other processing.

According to Modified Example 3, it is possible to prevent the balance of the first account from becoming insufficient by executing a deposit process or another process for prompting the business operator to perform the deposit process based on the balance of the first account.

[5-4. Modification 4]
For example, the threshold described in Modification 3 may be a fixed value, but since the total amount required for the remittance process can be grasped from the receipt information, this threshold may be determined based on the receipt information. The payment system 1 of Modification 4 includes a receipt information acquisition unit 206 that acquires receipt information related to a payment slip or a payment number for which payment processing has been executed. For example, the receipt information acquisition unit 206 refers to the payment slip database described in the embodiment and acquires the receipt information. Storage information may be stored in another database.

The deposit processing execution unit 203 predicts whether or not the balance of the first account will be insufficient based on the balance of the first account and the receipt information before the remittance processing is executed. For example, the deposit processing execution unit 203 calculates the amount required for remittance processing based on the receipt information. This required amount is the total amount to be paid for unsettled payment slips. The deposit processing execution unit 203 determines whether or not the balance of the first account is equal to or greater than the calculated required amount. The deposit processing executing unit 203 executes deposit processing or other processing when it is predicted that the balance of the first account will be insufficient.

According to Modified Example 4, before the remittance process is executed, it is predicted whether the balance of the first account will be insufficient based on the balance of the first account and the receipt information. By executing the payment processing or other processing when it is predicted that the balance will be insufficient, it is possible to more reliably prevent the first account from becoming insufficient in balance. By performing a deposit process or other process only when funds are really needed in the first account, unnecessary deposit processes or other processes can be prevented from being performed. As a result, the processing load on the bank server 20 can be reduced.

[5-5. Modification 5]
For example, when a plurality of payment processes are executed after a certain timing of payment processing is executed and before a next timing of payment processing is executed, the payment processing execution unit 203 executes a plurality of payment processing. A deposit process may be executed for depositing each payment in a lump at once to a bank. For example, it is assumed that the user database DB1 stores the history of payment slip payments made from the payment application. Based on this history, the business server 10 calculates the total payment amount for each of the multiple payment processes executed until the timing of the next deposit process. The operator server 10 requests the bank server 20 to process the deposit of the calculated total amount. The deposit processing executing unit 203 executes deposit processing based on this request.

According to Modified Example 5, by executing the deposit processing for collectively depositing each payment amount of a plurality of payment processes into a financial institution at once, it is possible to prevent repeated execution of the deposit processing. It is possible to reduce the number of times the payment processing is executed. As a result, the processing load on each of the business server 10 and the bank server 20 can be reduced. Business operators can also reduce fees for deposit processing.

[5-6. Modification 6]
For example, the merchant may be able to accommodate at least one merchant of a plurality of merchants for payment services. In other words, business operators do not allow payment slips of all member stores to be paid from payment apps, which are mini-applications of electronic payment apps, but only payment slips of some member stores. can be For example, the business operator can specify any member store as a compatible member store, such as public utility charges, but not payment for products in an online shopping mall.

The payment system 1 includes a first determination section 207 and a first restriction section 208 . The first determination unit 207 determines whether or not the member store corresponding to the payment slip or the payment number is the at least one member store. Since the at least one member store is a member store that can be handled by the business operator, it is hereinafter referred to as a compatible member store. For this reason, the part described as a compatible member store can be read as at least one member store. Available member stores are member stores defined in the member store database DB2. In Modified Example 6, the affiliated stores defined in the affiliated store database DB2 are available affiliated stores designated by the business operator.

A first restriction unit 208 restricts execution of at least one of payment processing, deposit processing, and settlement processing when it is not determined that the member store can handle the transaction. Modification 6 describes a case where none of these are executed. For example, only payment processing is executed, but payment processing and settlement processing are not executed, so that at least one is not executed. . If payment processing is executed, this payment processing is canceled after the fact.

It should be noted that the first restriction unit 208 may notify the user terminal 50 to that effect if it is not determined that the member store is a serviceable member store. When the first restriction unit 208 determines that the merchant is a compatible member store, the first restriction unit 208 may notify the user terminal 50 to that effect and then execute the payment process. Furthermore, payment processing may be executed without this notification.

According to Modified Example 6, if the member store corresponding to the payment slip is not determined to be a compatible member store, the execution of at least one of payment processing, deposit processing, and settlement processing is restricted so that the business operator It is possible to prevent the execution of payment processing, etc. for payment slips of member stores that are not compatible with this method. Since the business operator can arbitrarily decide which affiliated stores are available, the convenience of the business operator is enhanced.

[5-7. Modification 7]
For example, as described in Modification 1, when the payment service cooperates with the electronic payment services of each of a plurality of business operators, compatible merchants may be determined for each business operator. In this case, in order to determine available member stores as in modification 6, member store IDs and member store names of available member stores are stored in the member store database DB2 for each business ID that can identify the business. defined. Individual merchants can designate any of the payment service's multiple merchants as an available merchant.

The first determination unit 207 determines whether or not the affiliated store corresponding to the payment slip is a compatible affiliated store of the business operator that supports payment processing. The member store corresponding to the payment slip is the member store described on the payment slip. The member store corresponding to the payment slip can also be said to be the member store that issued the payment slip or the member store that finally receives the funds by paying the payment slip. When receiving a request for payment processing from the user terminal 50, the first determination unit 207 acquires the member store ID of the member store corresponding to the payment slip based on this request. The acquisition method of this member store ID is as described in the embodiment. The first determination unit 207 identifies a business operator based on the payment application being used by the user terminal 50, and as a compatible member shop associated with this business operator, the member shop ID of the member shop corresponding to the payment slip is It is determined whether or not it is stored in the member store database DB2.

The first restriction unit 208 restricts execution of at least one of payment processing, deposit processing, and settlement processing when it is not determined that the merchant is a member store capable of handling payment processing. The method of this restriction is as described in Modification 6.

According to Modified Example 7, if the member store corresponding to the payment slip is not determined to be a member store that can handle payment processing, execution of at least one of payment processing, deposit processing, and settlement processing is restricted. By doing so, even if a plurality of business operators support the payment service, it is possible to prevent execution of payment processing, etc. for payment slips of member stores that individual business operators do not support. Since the business operator can arbitrarily decide which affiliated stores are available, the convenience of the business operator is enhanced.

[5-8. Modification 8]
For example, as described in Modification 1, when the payment service cooperates with the electronic payment services of each of the plurality of business operators, each of the plurality of affiliated stores related to the payment service is associated with at least one of the plurality of business operators. It may be possible to correspond to the business operator. That is, the member store may designate the business operator instead of the business operator designating the member store as in the modified example 6-7. It is assumed that the businesses specified by individual member stores are stored in the member store database DB2.

In other words, member stores do not allow payment slips to be paid using the electronic payment services of all business operators, but allow payment slips to be paid only for the electronic payment services of some business operators. good too. For example, the member store can specify any business operator as a compatible business operator, such as allowing business operator X's electronic payment service to be supported, but not business operator Y's electronic payment service.

The payment system 1 includes a second determination section 209 and a second restriction section 210 . The second determination unit 209 determines whether or not the business operator corresponding to the payment process is at least one of the merchants corresponding to the payment slip or payment number. Since the at least one business operator is a member store that the member store can handle, it is hereinafter referred to as a compatible business operator. For this reason, the part described as a serviceable business operator can be read as at least one business operator. The available business operators are the business operators defined in the member store database DB2. In Modified Example 8, the business operator defined in the member store database DB2 is a serviceable business operator designated by the member store.

The second restriction unit 210 restricts execution of at least one of payment processing, deposit processing, and settlement processing when it is not determined that the member store corresponding to the payment slip is a compatible business operator. Modification 8 describes a case where none of these are executed. For example, only payment processing is executed, but payment processing and settlement processing are not executed. . If payment processing is executed, this payment processing is canceled after the fact.

It should be noted that, if the operator is not determined to be a serviceable operator, the second restriction unit 210 may notify the user terminal 50 to that effect. If the second restriction unit 210 determines that the business operator is available, the second restriction unit 210 may notify the user terminal 50 to that effect and then execute the payment process. Furthermore, payment processing may be executed without this notification.

According to Modified Example 8, if the business operator corresponding to payment processing is not determined to be a business operator capable of handling the member store corresponding to the payment slip, at least one of payment processing, deposit processing, and settlement processing is performed. By restricting the execution, it is possible to prevent execution of payment processing, etc. using the electronic payment service of a business operator that the member store does not support. Since the member store can arbitrarily decide which business operator is available, the convenience of the member store is enhanced.

[5-9. Modification 9]
For example, in the embodiment, payment using a payment slip has been described as an example, but the same processing can be used for payment requiring input of a payment number instead of a payment slip. A payment number is information that uniquely identifies a payment. The payment number may be the same as the payment ID, or information different from the payment ID. The payment number is notified to the user by e-mail or the like. When the user inputs the payment number on a convenience store terminal or the like, a form for payment (a type of payment slip) is printed, and payment can be made on a terminal or the like operated by the store clerk. In this modified example, a case will be described in which payment is made by inputting such a payment number into the user terminal 50 .

It is assumed that the payment slip database of this modified example stores payment numbers in association with payment IDs. The processing executed by the payment system 1 is generally the same as the processing described in the embodiment, but the processing for the user terminal 50 to read the barcode and acquire the payment ID included in the barcode information is performed by the user terminal 50. It differs in that it is replaced with a process of obtaining a payment ID using the entered payment number. The payment processing execution unit 202 executes payment processing using an electronic payment service available from the user terminal 50 based on the payment number input to the user terminal 50 . Other points are generally the same as those of the embodiment and other modifications, and the description on the payment slip should be read as the payment number.

For example, when payment processing is executed, the payment processing execution unit 203 executes payment processing from a business operator that provides an electronic payment service to a bank that provides a payment service using a payment number. The payment information acquisition unit 206 acquires payment information related to the payment number for which the payment process has been executed. The first determination unit 207 determines whether or not the member store corresponding to the payment number is at least one member store of the business operator that supports payment processing. The execution result acquisition unit 201 acquires the execution result of the authentication process executed when the payment number is input from the user terminal 50 . The first determination unit 207 determines whether or not the member store corresponding to the payment number is at least one member store of the business operator that supports payment processing. The details of these processes are as described in the embodiment and the above-described modification.

According to the ninth modification, it is possible to reduce the work of the business operator in the payment service when inputting the payment number to the user terminal 50 .

[5-10. Modification 10]
For example, the above modifications may be combined.

For example, payment services may be provided using normal apps that do not have the concept of super apps and mini apps. For example, payment services may be provided from a browser rather than an app. For example, payment of a payment slip or a payment number may be realized using a credit card or the like instead of electronic money. For example, the first account does not exist and the business operator may directly deposit money into the second account. Conversely, there may be no second account, and settlement may be made directly from the first account to the collection agent company. For example, authentication processing at the time of payment may be omitted. For example, the data storage unit 200 may be realized by a database server different from the bank server 20. FIG. The functions described as implemented in the bank server 20 may be implemented in other computers such as the business operator server 10 , collection agent server 30 , member store server 40 , or user terminal 50 . Each function may be shared among multiple computers.

1 payment system, N network, 10 operator server, 11, 21, 31, 41, 51 control unit, 12, 22, 32, 42, 52 storage unit, 13, 23, 33, 43, 53 communication unit, 20 bank Server, 30 collection agent server, 40 member store server, 50 user terminal, 54 operation unit, 55 display unit, 56 photographing unit, G1 top screen, G2 list screen, G3 confirmation screen, G4 top screen, G5 photographing screen, G6 confirmation screen, G7 completion screen, B31, B33, B41, B42, B60, B62 button, C32, C61 check box, DB1 user database, DB2 member store database, I10, I11, I12, I13, I14, I15, I20 icon, M30, M40 message, 100 data storage unit, 101 authentication processing execution unit, 102 payment processing execution unit, 200 data storage unit, 201 execution result acquisition unit, 202 payment processing execution unit, 203 deposit processing execution unit, 204 remittance processing execution unit , 205 settlement processing execution unit, 206 storage information acquisition unit, 207 first determination unit, 208 first restriction unit, 209 second determination unit, 210 second restriction unit, 300 data storage unit, 400 data storage unit, 500 data storage 501 detection unit 502 reception unit 503 display control unit.

Claims (14)

A financial institution system of a financial institution that cooperates with an electronic payment business operator of an electronic payment service,
Execution of payment processing using the electronic payment service available from the user terminal when the payment slip is read by the user terminal of the user who makes the payment, or when the payment number is input to the user terminal a first receiving means for receiving a request from the user terminal;
payment processing executing means for executing the payment processing when the execution request is received ;
When the payment processing is executed and the payment processing is executed using the payment means of the user in the electronic payment system of the electronic payment business operator, the payment processing from the electronic payment business operator to the financial institution a second receiving means for receiving a request from the electronic payment system;
payment processing execution means for executing the payment processing when the request is received ;
settlement processing execution means for executing settlement processing from the financial institution to a settlement destination when the deposit processing is executed;
financial institution systems, including The financial institution has a first account for deposit processing and a second account for settlement processing,
The payment processing executing means executes the payment processing from the electronic payment business operator to the first account when the payment processing is executed,
The financial institution system further includes remittance processing execution means for executing remittance processing from the first account to the second account,
The settlement process execution means executes the settlement process based on the second account when each of the deposit process and the remittance process is executed.
The financial institution system according to claim 1. The financial institution system cooperates with the electronic payment system of each of the plurality of electronic payment business operators,
The first account exists for each electronic payment business operator,
The payment processing execution means executes the payment processing from each of the plurality of electronic payment business operators to the first account,
The remittance processing executing means executes the remittance processing from the first account to the second account of each of the plurality of electronic payment business operators.
The financial institution system according to claim 2. The settlement process executing means executes the settlement process based on a predetermined settlement cycle,
The remittance process executing means executes the remittance process based on a remittance cycle shorter than the settlement cycle.
The financial institution system according to claim 2 or 3. The payment processing executing means executes the payment processing or other processing for prompting the electronic payment business operator to perform the payment processing based on the balance of the first account.
The financial institution system according to any one of claims 2-4. The financial institution system further includes receipt information acquisition means for acquiring receipt information related to the payment slip or the payment number on which the payment process has been executed,
The deposit processing execution means predicts whether the balance of the first account will be insufficient based on the balance of the first account and the receipt information before the remittance processing is executed, When it is predicted that the balance of the first account will be insufficient, the deposit processing or the other processing is performed,
The financial institution system according to claim 5. The payment processing execution means executes the payment processing for collectively depositing each payment amount of the plurality of payment processing into the financial institution at once.
The financial institution system according to any one of claims 1-6. A super application related to the electronic payment service is installed in the user terminal,
A mini-app related to the financial institution is available from the super-app,
The payment processing executing means executes the payment processing based on the mini app.
The financial institution system according to any one of claims 1-7. The electronic payment business operator can correspond to at least one member store among a plurality of member stores,
The financial institution system is
a first determination means for determining whether the member store corresponding to the payment slip or the payment number is the at least one member store;
a first restriction means for restricting execution of at least one of the payment process, the deposit process, and the settlement process if the merchant is not determined to be the at least one member store;
The financial institution system according to any one of claims 1 to 8, further comprising: The financial institution system cooperates with the electronic payment system of each of the plurality of electronic payment business operators,
The at least one member store is defined for each electronic payment business operator,
The first determination means determines whether the member store corresponding to the payment slip or the payment number is the at least one member store of the electronic payment business operator corresponding to the payment process,
The first restricting means performs at least one of the payment processing, the deposit processing, and the settlement processing when it is not determined that the at least one member store of the electronic payment business operator corresponding to the payment processing restrict the execution of
The financial institution system according to claim 9. The financial institution system cooperates with the electronic payment system of each of the plurality of electronic payment business operators,
each of the plurality of member stores can correspond to at least one business operator of the plurality of electronic payment business operators;
The financial institution system is
a second determination means for determining whether or not the electronic payment business operator corresponding to the payment processing is the at least one electronic payment business operator of the member store corresponding to the payment slip or the payment number;
If it is not determined that the at least one electronic payment business operator of the member store corresponding to the payment slip or the payment number is performed, at least one of the payment process, the deposit process, and the settlement process is performed. a second limiting means for limiting;
The financial institution system according to any one of claims 1 to 10, further comprising: The financial institution system further includes execution result acquisition means for acquiring execution results of authentication processing executed when the payment slip is read or the payment number is input from the user terminal,
The payment processing executing means executes the payment processing based on the execution result of the authentication processing.
The financial institution system according to any one of claims 1-11. A payment method using a financial institution that cooperates with an electronic payment business operator of an electronic payment service,
Execution of payment processing using the electronic payment service available from the user terminal when the payment slip is read by the user terminal of the user who makes the payment, or when the payment number is input to the user terminal a first receiving step of receiving a request from the user terminal;
a payment processing execution step of executing the payment processing when the execution request is received ;
When the payment processing is executed and the payment processing is executed using the payment means of the user in the electronic payment system of the electronic payment business operator, the payment processing from the electronic payment business operator to the financial institution a second receiving step of receiving a request from the electronic payment system;
a payment processing execution step of executing the payment processing when the request is received ;
A settlement processing execution step of executing settlement processing from the financial institution to the settlement destination when the deposit processing is executed;
payment methods including; Computers of financial institutions that cooperate with electronic payment providers of electronic payment services,
Execution of payment processing using the electronic payment service available from the user terminal when the payment slip is read by the user terminal of the user who makes the payment, or when the payment number is input to the user terminal a first receiving means for receiving a request from the user terminal;
payment processing executing means for executing the payment processing when the execution request is received ;
When the payment processing is executed and the payment processing is executed using the payment means of the user in the electronic payment system of the electronic payment business operator, the payment processing from the electronic payment business operator to the financial institution a second receiving means for receiving a request from the electronic payment system;
Deposit processing executing means for executing the deposit processing when the request is received ;
settlement processing execution means for executing settlement processing from the financial institution to the settlement destination when the deposit processing is executed;
A program that allows a computer to function as a

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