JP7193667B1 - Payment system, payment method, payment service provider, and program - Google Patents

Abstract

An object of the present invention is to allow reward money to be paid favorably in the flow of electronic payment at a physical store. A settlement system comprising: an application program that operates on a user terminal device; and a settlement service providing device that cooperates with the application program and allows a user to perform electronic settlement at a physical store belonging to a member store. wherein the application program instructs the user terminal device to remit a reward money to a member store related to the electronic payment, accompanying the acceptance of the operation for the electronic payment performed by the user. The payment service providing device includes a payment processing unit that performs processing for the electronic payment based on the payment information acquired from the user terminal device, and according to the content of the remittance instruction received by the application program, and a remittance processing unit that performs processing for remittance of the reward money from the account of the user to the account of the member store. [Selection drawing] Fig. 3

Description

The present invention relates to a payment system, a payment method, a payment service providing device, a program, and an application program.

Conventionally, a first terminal possessed by a recipient who receives a tip outputs recipient identification information of the recipient to a second terminal of the recipient located within a predetermined distance, and the tip is sent from the second terminal. acquires the payer identification information of the payer and the tip amount information indicating the tip amount, and transfers electronic money equivalent to the tip amount to the account corresponding to the first payment method specified by the payer identification information Disclosed is an invention of a server that performs charging processing and performs transfer processing of electronic money equivalent to the tip amount to the account corresponding to the second payment means designated by the recipient identification information.

JP 2021-174162 A

Conventional technology requires short-range wireless communication between terminals, and is difficult to apply to current electronic payment.

The present invention has been made in consideration of such circumstances, and provides a payment system, payment method, and payment method that can favorably carry out payment of rewards (tips) in the flow of electronic payment in physical stores. One of the objects is to provide a service providing device, a program, and an application program.

According to one aspect of the present invention, an application program that operates on a user terminal device, and a payment service providing device that cooperates with the application program and allows a user to perform electronic payment at a physical store belonging to a member store. wherein the application program causes the user terminal device to accept an operation for the electronic payment performed by the user, and to pay a reward for the member store related to the electronic payment. The payment service providing device receives a remittance instruction, and includes a payment processing unit that performs processing for the electronic payment based on payment information acquired from the user terminal device, and a payment processing unit that receives the remittance instruction received by the application program. and a remittance processing unit that performs processing for remittance of the reward money from the account of the user to the account of the member store according to the contents.

According to one aspect of the present invention, a payment system, a payment method, a payment service providing device, a program, and an application program, which are capable of favorably performing reward payment in the flow of electronic payment at a physical store. can provide.

1 is a diagram showing an example of a configuration for realizing an electronic payment service; FIG. 1 is a diagram illustrating a general flow of electronic payment; FIG. 2 is a configuration diagram of a settlement server 100; FIG. 4 is a diagram showing an example of contents of user information 172. FIG. It is a figure which shows an example of the content of tip payment setting 172A. 4 is a diagram showing an example of contents of store information 174. FIG. FIG. 10 is a sequence diagram showing an example of the flow of processing including tip payment when pattern 1 payment is made; FIG. 8 is a diagram showing an example of a settlement completion notification screen IM1 displayed when the tip acceptability setting information of the store is "acceptable" in S8 of FIG. 7; FIG. 8 is a diagram showing an example of a payment completion notification screen IM2 displayed when the tip acceptability setting information of the store is "not accepted" in S8 of FIG. 7; FIG. 11 is a sequence diagram showing an example of the flow of processing including tip payment when pattern 2 payment is made; FIG. 10 is a diagram showing an example of a reception screen IM3 for receiving a tip remittance instruction;

A settlement system, a settlement method, a settlement service providing device, a program, and an application program according to the present invention will be described below with reference to the drawings. The payment system includes a payment service providing device and an application program. A settlement service providing apparatus is realized by one or more processors. A settlement service providing device is a device that provides services such as an electronic settlement service. In the following description, the settlement service providing apparatus will be referred to as a "settlement server". An electronic payment service is a service that supports payment related to purchase of goods and services at a store. A store is a physical store (actual store) that exists in the real space. An application program runs on the user terminal device. The application program communicates with the payment service providing apparatus to acquire user balance information and the like, and functions as an interface when the user performs electronic payment. In the following description, the application program will be referred to as a "payment application".

[Electronic payment service]
FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. An electronic payment service is implemented centering on the payment server 100 . The settlement server 100 communicates with each of one or more user terminal devices 10 and one or more shop terminal devices 50 via the network NW, for example. The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smart phone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 controls a camera, a communication device, a touch panel, and the like.

The store terminal device 50 is installed, for example, in a store. The store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize the product price acquisition function and the optical reading function. The store code image 60 is placed in a store and is a code image such as a QR code (registered trademark) printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed at the store.

The payment server 100 implements electronic payment based on payment information received from the user terminal device 10 or the store terminal device 50 . The settlement server 100 performs electronic settlement, for example, by increasing or decreasing the charge balance managed in association with the user ID (in other words, depositing and withdrawing electronic money). Electronic payment may include those that enable purchase of a larger amount than the charge balance at the time of purchase by methods such as revolving payment and credit payment.

FIG. 2 is a diagram illustrating a general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2. In the case of pattern 1, first, the payment application 20 is activated on the user terminal device 10, and a code image such as a QR code or barcode is displayed. The user holds up (presents) the display surface of the user terminal device 10 to the store terminal device 50 . The store terminal device 50 decodes the code image with the optical reading function and acquires information that enables the account ID to be recognized (detailed aspects will be described later). Then, the shop terminal device 50 generates payment information including information that allows the account ID to be recognized, the payment amount, the shop ID, and the like, and transmits the payment information to the payment server 100 . The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. Based on the received information, the settlement server 100 transfers the settlement amount from the user's electronic settlement account to the store's electronic settlement account, thereby completing the settlement process.

In the case of pattern 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function. The store code image 60 includes information such as the store name. The user inputs the settlement amount into the user terminal device 10 on the screen on which the store name and the like are displayed. Then, the user terminal device 10 generates payment information including the account ID, payment amount, store ID, etc., and transmits the payment information to the payment server 100 . The payment server 100 performs payment processing based on the received information. It should be noted that electronic payment may be performed only in one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (such as a telephone number) that can be used as user identification information.

[Settlement server]
FIG. 3 is a configuration diagram of the settlement server 100. As shown in FIG. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, a remittance processing unit 140, and a storage unit 170. Components other than communication unit 110 and storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device.

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. The storage unit 170 stores information such as user information 172, store information 174, payment content information 176, and the like.

The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

The payment content providing unit 120 has, for example, a function of a web server, and provides the user terminal device 10 with information (contents) for displaying various screens of the electronic payment service. The payment content providing unit 120 appropriately reads necessary content from the payment content information 176 and provides it to the user terminal device 10 . The user terminal device 10 accepts various inputs from the user while the content is being reproduced by the payment application 20 , and transmits the above-described payment information and the like to the payment server 100 . Note that the content based on the payment content information 176 includes content provided in a logged-in state and content provided in a non-logged-in state. In the content in the non-login state, the settlement server 100 provides various guidance information and accepts new registration and change of telephone number.

The payment processing unit 130 performs payment processing based on the payment information transmitted from the user terminal device 10 or the shop terminal device 50 . The payment processing unit 130 performs payment processing while referring to the user information 172 .

FIG. 4 is a diagram showing an example of the contents of the user information 172. As shown in FIG. The user information 172 is an example of user registration information. The user information 172 includes, for example, an account ID (which may be omitted), a minimum required telephone number and password for new registration, an e-mail address, a user ID, name, address, date of birth, Information such as registration date, charge balance, tip payment setting 172A, bank account, credit card number, charge history information, settlement history information, etc. are associated with each other. Information other than the telephone number, password, registration date, charge balance, charge history information, and settlement history information is arbitrary setting information. Hereinafter, a user instance (electronic settlement account) associated with these pieces of information will be referred to as an account. The registration date is the date when the user registers for the electronic payment service (the date when the account is created).

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated trader (bank), remittance from a registered bank account, and the like. The tip payment setting 172A will be described with reference to another drawing. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can deposit money into the electronic payment service. The charge history information is a history of the user's advance remittance to the electronic payment service to increase the charge balance. The payment history information is information indicating details of payments made by the user (date and time, shop ID of the shop where the purchase was made, payment amount, etc.) for each payment.

FIG. 5 is a diagram showing an example of the contents of the tip payment setting 172A. The tip payment setting 172A is an example of the "Reward Remittance Setting". The tip payment setting 172A includes, for example, information specifying tip payment targets and information specifying tip payment exclusion targets. The information designating a tip payment target includes, for example, information designating a store category, information designating a store meeting generalized conditions, information designating a store directly, and the like. The store category will be described later. The desired condition is, for example, information such as "stores used more than once within one year". The parts "within a year" and "more than once" may be selectable by the user. These conditions may be treated as AND conditions or as OR conditions.

Similarly, the information designating exemption from tipping also includes information designating a store category, information designating a store meeting generalized conditions, and the like. These conditions may also be treated as AND conditions or as OR conditions. For example, a user who does not wish to tip at a drugstore or convenience store can designate those categories as exempt from tipping. Note that the tip payment setting 172A may include only information specifying the tip payment target.

The tip payment setting 172A is information set by the user on the interface screen provided by the payment application 20, asynchronously with the electronic payment (occasionally just before or after the electronic payment is not excluded).

Information about stores is managed as store information 174 . FIG. 6 is a diagram showing an example of the contents of the store information 174. As shown in FIG. As shown in the upper diagram of FIG. 6, the store information 174 is, for example, a store ID associated with information such as a store URL (Uniform Resource Locator), store category, location, payment pattern, and the like. The store category may be one-level information, or may be information having a hierarchical structure of two or more levels. For example, information such as "Japanese food", "restaurant", and "restaurant" may be given as a superordinate concept of "sushi" shown in the figure. The location may be represented by a layered code image such as JIS code. The payment pattern is information indicating which of pattern 1 and pattern 2 described above can be used for payment.

In addition, as shown in the lower diagram of FIG. 6, the store information 174 may include information indicating the relationship between member stores and stores. Stores that use electronic payment services belong to one of the member stores (brands). The store information 174 is one or more store IDs, chip acceptance propriety setting information, wallet information, etc., associated with a member store ID. In the figure, only one store ID is associated with the member store whose member store ID is indicated by B002, which indicates that only one store constitutes the member store.

The tip acceptability setting information is information indicating whether or not the affiliated store accepts a reward (hereinafter referred to as a tip) from the user. The details of the tip remittance process will be described later. The chip acceptability setting information is acquired in advance through an interface provided to the operator of the affiliated store, for example. The chip acceptability setting information may be collectively accepted for each member store, or may be set so that the acceptability differs for each store depending on the member store. The wallet information is information on the settlement balance and remittance balance associated with the store. The wallet information may also include a list for each store ID. The payment balance indicates the balance of the amount paid to the store by the payment process, and the remittance balance indicates the balance of the amount remitted to the store by the remittance process including tip payment.

The remittance processing unit 140 implements tip payment from the user to the affiliated store accompanying the electronic payment. The remittance processing unit 140 transfers a tip from the user's account (the charge balance of the user information 172) to the member store's account (the remittance balance of the wallet information of the store information 174) according to the content of the remittance instruction received by the payment application 20. Process for remittance.

[Process flow]
FIG. 7 is a sequence diagram showing an example of the flow of processing including tip payment when pattern 1 payment is made. It is assumed that the setting operation of the tip payment setting 172A has been completed when the processing of this figure is started. First, the user operates the user terminal device 10 to activate the payment application 20 (S1). In parallel with this, on the store side, the store terminal device 50 acquires the settlement amount by reading the barcode or manually inputting the amount (S2). The payment application 20 transmits a payment request to the payment server 100 in response to the user's payment operation or in response to automatic renewal of itself (S3). The settlement server 100 accordingly transmits the one-time code to the user terminal device 10 (S4). The payment application 20 causes the user terminal device 10 to display a code image (second code image) based on the one-time code. The user holds this code image over the shop terminal device 50 (S5).

The shop terminal device 50 decodes the code image, generates payment information including the one-time code, payment amount, and shop ID (S6), and transmits the payment information to the payment server 100 (S7).

In the settlement server 100, the settlement processing unit 130 acquires the account ID from the one-time code and performs settlement processing (S8). When the settlement process is completed, the process shifts to the chip remittance process, but if the settlement process fails due to insufficient balance, etc., the chips scheduled for remittance are discarded.

When the payment processing is completed, the remittance processing unit 140 refers to the store information 174 and sets the chip acceptance/rejection setting information of the member store ID corresponding to the store related to the store ID (store ID if set for each store). is set to "possible" (S9). When the tip acceptability setting information is "acceptable", the remittance processing unit 140 refers to the tip payment setting 172A and determines whether or not the store associated with the store ID is subject to tip payment (S10). . If the tip is to be paid, the remittance processing unit 140 transfers the amount corresponding to the tip from the user's charge balance related to the account ID to the remittance balance of the store wallet information of the store related to the store ID (S11). .

Then, a settlement completion notification is sent from the settlement server 100 to the user terminal device 10 (S12). In response to this, the user terminal device 10 displays a settlement completion notification screen. FIG. 8 is a diagram showing an example of the payment completion notification screen IM1 displayed when the chip acceptability setting information of the member store or store is "acceptable" in S8. The payment completion notification screen IM1 includes, for example, an area A1 where information about the store where the payment was made is displayed, an area A2 where the payment amount is displayed, and an area where points given to the user as a result of the payment are displayed. A3, area A4 where the result of tip payment is displayed, etc. are included. Information indicating that the tip payment has been completed is displayed in the area A4 of the payment completion notification screen IM1. FIG. 9 is a diagram showing an example of the payment completion notification screen IM2 that is displayed when the chip acceptability setting information of the member store or store is "No" in S8. In the area A4 of the payment completion notification screen IM2, information indicating that the payment of the tip has not been realized (the tip has not been accepted) is displayed. In addition, when the store associated with the store ID is not subject to tip payment, it is considered that the user himself/herself is aware that the tip is not to be paid.

In this way, in pattern 1, by accepting an input operation related to tip payment asynchronously with electronic payment, it is possible to favorably perform tip payment in the flow of electronic payment at the physical store. In addition, in a series of processing flows, it is possible to execute processing related to affiliated stores or stores that do not receive tips without any sense of incongruity.

FIG. 10 is a sequence diagram showing an example of the flow of processing including tip payment when pattern 2 payment is made. First, the user operates the user terminal device 10 to activate the payment application 20 (S21). Next, the user picks up the code image of the store with the user terminal device 10 and obtains the encoded information (S22). The payment application 20 acquires the store URL obtained by decoding the code image of the store (S23). Next, the store URL is an example of "store related information". The user inputs the payment amount of the electronic payment and information on the chip remittance instruction to the payment application 20 (S24).

FIG. 11 is a diagram showing an example of a reception screen IM3 for receiving a tip remittance instruction. The reception screen IM3 includes, for example, an area A11 for displaying store information and the payment amount input by the user, an area A12 for displaying the user's charge balance, and a switch for designating the percentage of the tip to the payment amount. S1, S2, a slide switch S3 for specifying whether to pay a tip, a button B1 for confirming the payment after the settlement amount and tip are determined, a key K1 for inputting the settlement amount, etc. be provided. The user can switch whether to pay a tip in the electronic payment by sliding the slide switch S3 to the left or right. Instead of the sliding operation, another predetermined operation such as tapping may be used to switch whether to pay a tip. The tip amount may be accepted by directly inputting it using the key K1 instead of specifying a percentage of the settlement amount. Also, the amount of the tip may be set at a fixed amount regardless of the settlement amount, or may be uniformly set as a percentage of the settlement amount.

When the state of the slide switch S3 is "pay tip", the payment application 20 transmits an inquiry about whether or not a tip can be received, including the store ID, to the payment server 100 (S25).

The remittance processing unit 140 of the settlement server 100 refers to the store information 174, and confirms that the chip acceptance setting information of the member store ID corresponding to the store related to the store ID (store ID if set for each store) is " It confirms whether or not it is "possible" (S26), and transmits information in response to the confirmation result to the payment application 20 (S27). If the confirmation result is "No", the payment application 20 causes the user terminal device 10 to display information indicating that the tip payment was not realized (the tip was not accepted).

The payment application 20 generates payment information including the account ID, the payment amount, the tip amount, and the shop ID if the answer to the question of whether or not the tip can be accepted is “yes”; otherwise, the account ID, the payment amount, and the shop Payment information including the ID is generated (S28), and the payment information is transmitted to the payment server 100 (S29).

In the settlement server 100, the settlement processing unit 130 performs settlement processing (S30), and if the settlement information includes the tip amount, the remittance processing unit 140 calculates the store ID from the charge balance of the user associated with the account ID. The amount corresponding to the tip is transferred to the remittance balance of the store wallet information of the store concerned (S31). Then, a settlement completion notice is transmitted from the settlement server 100 to the settlement application 20 (S32).

In this way, in pattern 2, by receiving an input operation related to tip payment after reading the code image of the store, tip payment can be preferably performed in the flow of electronic payment at the actual store. In addition, in a series of processing flows, it is possible to execute processing related to affiliated stores or stores that do not receive tips without any sense of incongruity.

In the above embodiment, whether or not a tip can be accepted is set for each member store (or each store), but this may be omitted and all stores may accept tips.

[Remittance of tip equivalent to employee]
The remittance processing unit 140 may perform a process of remitting the amount paid to the member store as a tip to the employee's personal account. Such processing is performed asynchronously with electronic payment or tip payment, such as once a month or once a week. The remittance processing unit 140 performs processing for remittance from the remittance balance of the store wallet information of the store information 174 to the charge balance of the employee's user information 172 in response to a request from the member store or the store. The remittance processing unit 140 may automatically perform remittance processing according to a rule such as "remit a predetermined percentage of the increase in the remittance balance due to the tip of the current month to the employee's personal account".

According to the embodiment described above, the reward (tip) can be favorably paid in the flow of electronic payment at the actual store.

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

10 User terminal device 20 Payment application 50 Store terminal device 60 Store code image 100 Settlement server 110 Communication unit 120 Settlement content providing unit 130 Settlement processing unit 140 Remittance processing unit 170 Storage unit 172 User information 174 Store information 176 Settlement content information

Claims (8)

an application program running on a user terminal device;
a payment service providing device that cooperates with the application program and allows a user to perform electronic payment at a physical store belonging to a member store;
A payment system comprising
The application program, in the user terminal device,
Accompanied by the acceptance of the operation for the electronic payment performed by the user, accepts a remittance instruction of the reward money to the member store related to the electronic payment,
The payment service providing device
a payment processing unit that performs processing for the electronic payment based on payment information acquired from the user terminal device;
a remittance processing unit that performs processing for remittance of the reward money from the account of the user to the account of the member store according to the content of the remittance instruction received by the application program;
The payment processing unit, as processing for the electronic payment, subtracts the amount related to the electronic payment from the charge balance of the user and adds it to the payment balance of the member store,
The remittance processing unit, as processing for the remittance, subtracts the amount of the reward money from the charge balance of the user and adds it to a remittance balance different from the settlement balance of the member store.
payment system. The application program, in the user terminal device,
After the first code image presented by the physical store is scanned to obtain store-related information, input of the payment amount by the user is accepted, and input of the remittance instruction by the user is accepted;
transmitting the store-related information, the settlement amount, and the content of the remittance instruction to the settlement service providing device;
The payment processing unit of the payment service providing device performs processing for the electronic payment based on the payment information acquired from the user terminal device,
The remittance processing unit of the settlement service providing device performs processing for remittance of the reward money from the account of the user to the account of the affiliated store according to the content of the remittance instruction acquired from the user terminal device. ,
The settlement system according to claim 1. The remittance processing unit stores, in a storage unit, setting information indicating whether or not to receive the reward for each of the plurality of member stores,
The application program, in the user terminal device,
after the first code image presented by the physical store is scanned to acquire the store-related information, communicating with the payment service providing device to acquire the setting information of the member store related to the store-related information;
When the input of the remittance instruction by the user is accepted, if the member store related to the store-related information is set not to accept the reward money, information indicating that the reward money cannot be accepted is provided. to display
The settlement system according to claim 2. The application program causes the user terminal device to display an interface screen capable of switching whether or not to instruct the remittance of the reward money by a predetermined operation, and based on the operation performed on the interface screen, the Receiving input of the remittance instruction by the user;
The settlement system according to any one of claims 1 to 3. the interface screen accepts an operation to specify the percentage of the reward money to the settlement amount;
The settlement system according to claim 4. Executed by a payment system comprising an application program that operates on a user terminal device, and a payment service providing device that cooperates with the application program and allows a user to perform electronic payment at a physical store belonging to a member store. a payment method,
The application program, on the user terminal device,
Accompanying the acceptance of the operation for the electronic payment performed by the user, receiving a remittance instruction of the reward money to the member store related to the electronic payment;
The payment service providing device
performing processing for the electronic payment based on the payment information acquired from the user terminal device;
performing processing for remittance of the reward money from the account of the user to the account of the member store according to the content of the remittance instruction received by the application program;
As a process for the electronic payment, subtracting the amount related to the electronic payment from the charge balance of the user and adding it to the payment balance of the member store,
As the processing for the remittance, the amount of the reward is subtracted from the charge balance of the user and added to the remittance balance different from the settlement balance of the member store.
Payment Method. A payment service providing device that cooperates with an application program running on a user terminal device to allow a user to perform electronic payment at a physical store belonging to a member store,
a payment processing unit that performs processing for the electronic payment based on payment information acquired from the user terminal device;
Processing for remittance of honoraria from the account of the user to the account of the affiliated store according to the content of the remittance instruction received accompanying the application program receiving the operation for the electronic payment from the user. a remittance processing unit that performs
with
The payment processing unit, as processing for the electronic payment, subtracts the amount related to the electronic payment from the charge balance of the user and adds it to the payment balance of the member store,
The remittance processing unit, as processing for the remittance, subtracts the amount of the reward money from the charge balance of the user and adds it to a remittance balance different from the settlement balance of the member store.
Settlement service providing device. A processor of a payment service providing device that cooperates with an application program running on a user terminal device to allow a user to make electronic payment at a physical store belonging to a member store;
causing the electronic payment to be processed based on the payment information acquired from the user terminal device;
Reward money is transferred from the account of the user to the account of the member store related to the electronic payment according to the contents of the remittance instruction received by the application program accompanying the operation for the electronic payment from the user. process the remittance,
As a process for the electronic payment, the amount related to the electronic payment is subtracted from the charge balance of the user and added to the payment balance of the member store,
As the processing for the remittance, the amount of the reward is subtracted from the charge balance of the user and added to the remittance balance different from the settlement balance of the member store;
program.

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