JP7425247B1 - Payment management device, payment system, payment management method, and program - Google Patents

Abstract

An object of the present invention is to provide a payment management device, a payment system, a payment management method, and a program that can suitably cooperate with a card company in payment processing. [Solution] A payment management device that provides an electronic payment service, which acquires first payment information via a network when a payment is made using a payment application running on a user's terminal device; an acquisition unit that acquires second payment information via a network and a card payment management device when the user's card is used at a store; and an acquisition unit that acquires the first payment information and stores it in a storage unit. If the setting information regarding the payment method of the person indicates the first method, the sales proceeds will be recorded in the member store account obtained from the first payment information, and if the second payment information is obtained, the card payment will be made. A payment management device comprising: a payment processing unit that records sales proceeds in an account related to an operator of the management device. [Selection diagram] Figure 10

Description

The present invention relates to a payment management device, a payment system, a payment management method, and a program.

Conventionally, an invention of a transaction settlement terminal device that handles a debit card, an electronic money card, or a transaction card that has the functions of both cards has been disclosed (Patent Document 1). This device is equipped with a first input device for inputting the transaction amount to be settled and a second input device for specifying and inputting the payment method, and a store clerk inputs the specified payment method into the second input device. By doing so, you can switch the payment method for card payments. Electronic money data is recorded on the transaction card.

Japanese Patent Application Publication No. 2001-118022

In the above-mentioned conventional technology, it is necessary to construct an information transmission network from the store to each server device according to the payment method. If information transmission networks were to be integrated, it would be necessary to switch payment processing accordingly, but this has not been considered in the past. For this reason, in the conventional technology, cooperation with the card company may not be carried out properly in payment processing.

The present invention has been made in consideration of such circumstances, and an object of the present invention is to provide a payment management device, a payment system, a payment management method, and a program that can suitably cooperate with a card company in payment processing. be one of the.

One aspect of the present invention is a payment management device that provides an electronic payment service, which acquires first payment information via a network when a payment is made using a payment application running on a user's terminal device. and an acquisition unit that acquires second payment information via a network and a card payment management device when the user's card is used at a store; When the setting information regarding the method indicates the first method, the sales proceeds are recorded in the member store account obtained from the first payment information, and when the second payment information is obtained, the card payment management device This is a payment management device that includes a payment processing unit that records sales proceeds in an account related to an operator.

According to one aspect of the present invention, it is possible to provide a payment management device, a payment system, a payment management method, and a program that can suitably cooperate with a card company in payment processing.

1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. FIG. 1 is a sequence diagram (Part 1) illustrating the general flow of electronic payment. FIG. 2 is a sequence diagram (Part 2) illustrating the general flow of electronic payment. FIG. 1 is a configuration diagram of a payment server 100 according to a first embodiment. 3 is a diagram showing an example of the contents of user information 172. FIG. It is a diagram showing an example of the contents of member store/store information 176. 2 is a configuration diagram of an affiliated credit card company server 200. FIG. FIG. 2 is a sequence diagram for explaining the general flow of processing related to card payment. FIG. 3 is a diagram illustrating an example of the contents of card payment setting information 272. FIG. 2 is a diagram for explaining a more detailed flow of processing related to card payment.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of a payment management device, payment system, payment management method, and program according to the present invention will be described below with reference to the drawings. The application program, the payment server, and the affiliated credit card company server cooperate to provide electronic payment services. The payment server is an example of a "payment management device," and the affiliated credit card company server is an example of a "card payment management device." In the following description, the application program will be referred to as a "payment application." Furthermore, a combination of a payment server and an affiliated credit card company server is an example of a "payment system." An electronic payment service is a service that supports payments for purchases of products and services at stores. A store is, for example, a physical store (actual store) that exists in real space, but may also include a virtual store for electronic commerce. Virtual stores may include those provided by entities different from the operator of the electronic payment service. In this case, when paying for shopping at the virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to a member store (brand), for example, and processing such as payment when a purchase is made at a store is mainly performed between a user and the member store. Alternatively, processing such as payment may be performed between the user and the store.

[Electronic payment service]
FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by the payment server 100 and the affiliated credit card company server 200. The payment server 100, for example, communicates with each of one or more user terminal devices 10, one or more first store terminal devices 50, one or more credit processing terminals 55, and one or more second store terminal devices 70 via the network NW. to communicate. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is an example of a "terminal device." 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, the 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, so that the payment application 20 operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 is installed on the user terminal device 10 from an application store, for example, and controls a camera, a communication device, a touch panel, and the like.

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

The credit processing terminal 55 is installed in the store similarly to the first store terminal device 50. The credit processing terminal 55 includes, for example, a credit payment terminal (credit card reader) and a POS device. The credit payment terminal reads the PIN (Personal Identification Number) from the inserted or held credit card (including the affiliated card 57) and compares it with the PIN input by the user, or reads the BIN (Bank ID) read from the credit card. identification number) code, etc., to the affiliated credit card company server 200 via the POS device. The POS device cooperates with the credit card payment terminal to transmit information such as the payment amount to the affiliated credit card company server 200. An acquirer server and a brand server are interposed between the credit processing terminal 55 and the affiliated credit card company server 200. This will be discussed later. The affiliated card 57 is, for example, similar to a commonly used credit card, and has a communication chip embedded in the card base material. The communication chip has a built-in storage medium that stores a PIN, and communicates with an external device via a contactor (or wireless antenna). Alternatively, the affiliated card 57 may be a magnetic card.

The second store terminal device 70 is used by an operator of a member store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for member stores operates. The member store interface 72 may be an application for member stores or may be a browser. The member store interface 72 receives coupon settings and the like from the member store operator and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to the store code image and reading the code image displayed by the user terminal device 10 by executing an application for member stores. have

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a member store server, in which case payment information is transmitted from the POS device to the payment server 100 via the member store server. In the following description, it is assumed that payment information is transmitted from the first store terminal device 50 without making any particular distinction.

The affiliated credit card company server 200 manages affiliated credit card payments that are part of the electronic payment service. The affiliated credit card company server 200 is operated by, for example, a group company (affiliated credit card company) of the payment server 100.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment using the user terminal device 10. There may be two patterns, pattern 1 and pattern 2, in electronic payment. Each of "primary payment information", "secondary payment information", and "payment information" in patterns 1 and 2 is an example of "first payment information".

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 using an optical reading function (S1). The store code image 60 includes information on a store URL (Uniform Resource Locator). This store URL is the domain of the electronic payment service added with information that can identify the store, and is associated with member store IDs, store IDs, etc. in the payment server 100 (described later). The payment application 20 transmits primary payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the member store ID and store ID corresponding to the store URL, obtains the member store name and store name information (S3), and sends the information to the payment application 20 (S4). . The user inputs the payment amount into the user terminal device 10 on the screen on which the member store name and store name are displayed (S5). Then, the user terminal device 10 generates secondary payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received secondary payment information (S7). Then, the payment server 100 transmits a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display placed in a store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step for the user to input the payment amount is omitted, and the information on the payment amount is included in the primary payment information and sent to the payment server 100. Information on the member store name and store name may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed on the payment application 20, and when the automatic update timing (for example, every minute) is reached. , and at other timings, the payment application 20 transmits a one-time code issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment application 20 (S13). The payment application 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds up (presents) the display surface of the user terminal device 10 to the first store terminal device 50, and the first store terminal device 50 decodes the code image using an optical reading function and obtains a one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including a one-time code, payment amount, member store ID, store ID, etc., and transmits it to the payment server 100 (S16). Information on the payment amount is obtained in advance by barcode reading, manual input, etc. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). Then, the payment server 100 transmits a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

Note that electronic payment may be performed using only one of the above patterns. Moreover, the "account ID" explained in FIG. 2 may be other information (for example, a telephone number) that can be used as user identification information. Furthermore, the issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Payment server]
FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication section 110, a payment content providing section 120, a payment processing section 130, an information management section 140, and a storage section 170. Components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit parts) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit). (including circuitry), or may be realized by collaboration between 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 an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage device 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 a 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 payment server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, and member store/store information 176.

The communication unit 110 is a communication interface for connecting to the network NW. Communication unit 110 is, for example, a network interface card. The communication unit 110 is an example of an “acquisition unit”.

The payment content providing unit 120 has, for example, the function of a web server, and provides the user terminal device 10 with information (content) for displaying various screens of the electronic payment service. The payment content providing unit 120 reads necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 receives various inputs from the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

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

FIG. 5 is a diagram showing an example of the contents of the user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, user URL, account ID, phone number, password, email address, user ID, name/address/date of birth, registration date, charge balance, deferred payment setting, deferred payment limit, deferred payment. Information such as usage amount, available deferred payment amount, payment method settings, bank account, credit card number, charging history information, payment history information, etc. are associated with each other. The user URL is used for remittance processing between users. When registering for a new electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be arbitrarily set (or does not need to be set) by the user. Similarly, e-mail address, name, address, and date of birth are information that can (or does not need to be) set arbitrarily by the user. The registration date is the date the user registered with the electronic payment service (the date the account was created). Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

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 business (bank), remittance from a registered bank account, etc. The deferred payment setting is information indicating whether the settings for enabling electronic payment by deferred payment have been completed, and is set to either "completed" or "not yet". The deferred payment setting is flag information common to "terminal payment" and "card payment". A user who can use deferred payment for terminal payment is a user who has been given an affiliate card 57. Note that instead of this, setting information may be set separately for "terminal payment" and "card payment". The deferred payment allowance is the maximum amount of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the available deferred payment amount is calculated by subtracting the deferred payment usage amount from the deferred payment allowance. , is the amount of deferred payment available for the current month. In the figure, only one deferred payment limit is shown, but in reality, there are additional daily upper limit amounts, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be discussed later. The terminal payment method setting is setting information indicating whether the user performs electronic payment using the charge balance or deferred payment in "terminal payment". The terminal payment method setting is an example of "setting information." The card payment method setting is setting information indicating whether the user performs electronic payment using the charge balance or payment by deferred payment in "card payment". Information on card payment method settings is synchronized in real time with the affiliated credit card company server 200. The bank account is information (account number) of a bank account that can be used to deposit money into the electronic payment service. The charging history information is a history of the user increasing the charging balance by remitting money to the electronic payment service in advance. The payment history information is information that shows the details of the payments made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.) for each payment.

FIG. 6 is a diagram showing an example of the contents of the affiliated store/store information 176. The affiliated store/store information 176 includes, for example, a first table 176A in which affiliated store IDs and store IDs are associated with store URLs, and affiliated store names and sales proceeds (described above) are associated with affiliated store IDs. 176B, and a third table 176C in which store IDs are associated with store IDs. In the second table 176B, in addition to records corresponding to member store IDs, records of accounts corresponding to the operator of the affiliated credit card company server 200 (that is, the card company) are set. This will be discussed later. In addition to this information, the member store/store information 176 may include information such as the member store or store category, store location, payment pattern, and the like.

The information management unit 140 manages user information 172 and member store/store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds, edits, deletes, etc. new records for the user information 172 and member store/store information 176.

[Terminal payment]
Electronic payment (terminal payment) using the user terminal device 10 will be explained. When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 and acquires the "payment method setting" of the user. The payment processing unit 130 performs electronic payment as follows for a user whose "payment method setting" is set to "charge balance". For example, when the first payment information is acquired, the payment processing unit 130 decreases the charge balance managed in association with the user ID and increases the item value of the member store's sales proceeds, thereby electronically Make payment. For example, the item value of the sales proceeds of a member store is not used as electronic money itself, but the amount corresponding to the item value of the sales proceeds is determined in a cycle according to the agreement between the member store and the electronic payment service. Money will be transferred to your bank account.

The payment processing unit 130 performs electronic payment in the following manner for users whose "setting information" is set to "deferred payment." Deferred payment is a system in which an affiliated credit card company becomes the creditor and allows electronic payments that do not depend on the charge balance within the deferred payment limit. Note that in order to receive the deferred payment service, you may be required to obtain a credit card from an affiliated credit card company. The amount used for deferred payment is paid in one month's worth on the next month's payment date, for example, by debiting from a bank account. In this case, the payment processing unit 130 transmits at least part of the first payment information to the affiliated credit card company server 200 at any time to request payment. The affiliated credit card company server 200 performs processing similar to deferred payment for card payments.

[credit card payment]
The electronic payment service provides not only electronic payment using the user terminal device 10 (terminal payment) as described above, but also electronic payment using the affiliated card 57 (card payment). This will be explained below. For credit card payments, users can choose between payment based on their charge balance and payment by deferred payment. FIG. 7 is a configuration diagram of the affiliated credit card company server 200. The affiliated credit card company server 200 includes, for example, a credit interface 210, a payment distribution unit 220, a credit payment processing unit 230, an information management unit 240, and a storage unit 270. The credit payment processing section 230 is an example of a "card payment processing section." The storage unit 270 stores card payment setting information 272. The components other than the storage unit 270 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as LSI, ASIC, FPGA, or GPU, or may be realized by collaboration between software and hardware. Good too. The program may be stored in advance in a storage device such as an HDD or flash memory (storage device equipped with a non-transitory storage medium), or may be stored in a removable storage medium (non-transitory storage medium) such as a DVD or CD-ROM. The software may be installed in the storage device by attaching the storage medium to the drive device.

The functions of each part of the affiliated credit card company server 200 will be explained with reference to FIG. 8. FIG. 8 is a sequence diagram for explaining the flow of processing related to card payment. Here, the explanation of the roles of the acquirer server and the brand server will be omitted. Note that the illustrated processing is conceptually shown, and in reality, information transmission may be performed in multiple steps.

First, the credit processing terminal 55 that has read information from the affiliated card 57 transmits information such as a PAN (Primary Account Number) and payment amount to the credit interface 210 (S20). The credit interface determines whether the BIN code included in the PAN among the received information is a code for the company (S21), and if it is a code for the company, the credit interface sends information such as the PAN to the payment distribution unit 220. (S22). If the code is not for the company, the affiliated credit card company server 200 discards the received information.

The payment sorting unit 220 searches the card payment setting information 272 using the transferred information, and determines whether the card payment method setting of the user is a method of electronic payment using the charge balance or a method of electronic payment using deferred payment. It is determined which one is (S23). FIG. 9 is a diagram showing an example of the contents of the card payment setting information 272. As shown in the figure, the card payment setting information 272 is information in which information unique to the user (for example, PAN), card payment method settings, and the user's account ID (see FIG. 5) are associated with each other. be. In the following explanation, the method of making electronic payment using the charge balance is an example of the first method, and the method of making electronic payment by deferred payment is an example of the second method, but this relationship may be reversed. . Deferred payment refers to deducting the payment amount from the bank account associated with the affiliated card 57 at a predetermined time, such as the closing date, instead of immediately deducting the payment amount from the charge balance.

If the card payment method setting of the user is "charge balance", the payment distribution unit 220 transmits payment information including the account ID corresponding to the PAN and the payment amount to the payment server 100 (S24). Upon receiving this, the payment processing unit 130 of the payment server 100 confirms that the charge balance corresponding to the account ID is greater than or equal to the payment amount, and replies to the payment distribution unit 220 that the payment is OK (S25). The payment distribution unit 220 notifies the credit interface 210 that the payment is OK (S26), and the credit interface 210 notifies the credit processing terminal 55 that the payment has been completed (S27).

On the other hand, if the card payment method setting of the user is "deferred payment", the payment distribution unit 220 notifies the credit interface 210 that authentication is requested (S28). The credit interface 210 performs existing credit authentication (S29). Here, the PAN and expiration date are checked, and it is checked whether the cumulative payment amount exceeds the upper limit for the current month. If it is confirmed that the payment is OK as a result of credit authentication, the credit interface 210 notifies the credit processing terminal 55 that the payment has been completed (S30), and informs the credit payment processing unit 230 of information such as the payment amount. (S31). The credit payment processing unit 230 performs processing such as adding the acquired payment amount to the cumulative payment amount of the user. Note that switching of the card payment method setting is performed in accordance with the user's operation on the payment application 20.

In this way, the affiliated credit card company server 200 acts as an interface and allocates payment methods for card payments, making it possible to implement two payment methods using the existing credit card information transmission network. As a result, user convenience can be improved at low cost without constructing a new information transmission network.

Further details of card payment will be explained below. FIG. 10 is a diagram for explaining a more detailed flow of processing related to card payment. Note that a part of the explanation may overlap with FIG. 8 in some cases.

First, when the affiliated card 57 is used, the credit processing terminal 55 (in some cases via the member store server 500) sends the payment ID, member store ID, card number (PAN), and payment amount to the acquirer server 300. Transmit (S50). The acquirer server 300 and brand server 400 transfer this in order and send it to the affiliated credit company server 200 (S51, 52).

The affiliated credit card company server 200 identifies the account ID from the card number (S53). Here, it is assumed that the card payment method setting of the user is "charge balance". The affiliated credit card company server 200 transmits the payment ID, the specified account ID, and the payment amount (an example of the second payment information) to the payment server 100 (S54).

Since this is the second payment information sent from the affiliated credit card company server 200, the payment processing unit 130 of the payment server 100 deducts the payment amount from the user's charge balance and records it as sales proceeds in the card company's account ( S55). In the figure, 5,000 yen is deducted from the charge balance of the user with account ID 001 and recorded in the card company's account. Regarding the sales proceeds recorded in the card company's account, the actual payment is made at the desired timing.

When the process of S55 is completed, the payment server 100 transmits the payment ID and payment completion notification to the affiliated credit card company server 200 (S56). Affiliated credit card company server 200 transmits the payment ID, member store ID, card number, and payment amount to acquirer server 300 via brand server 400 (S57, 58). The acquirer server 300 performs a process of paying the settlement amount to the member store server 500 (S59).

In the above description, the "first method" is a method of performing electronic payment using the charge balance, but the "first method" may also be a method of performing electronic payment by debiting a bank account.

According to the embodiment described above, when the user terminal device 10 is used, the first payment information is acquired and the setting information (payment method setting) regarding the user's payment method stored in the storage unit 170 is the first payment information. 1 method (method based on charge balance), sales proceeds are recorded in the member store's account obtained from the first payment information, and the second payment information is obtained when the affiliated card 57 is used. By recording sales proceeds in an account related to the operator of the card payment management device, it is possible to suitably cooperate with the card company in payment processing.

Although the mode for implementing the present invention has been described above using embodiments, the present invention is not limited to these embodiments in any way, and various modifications and substitutions can be made without departing from the gist of the present invention. can be added.

10 User terminal device 20 Payment application 100 Payment server 120 Payment content provision unit 130 Payment processing unit 140 Information management unit 170 Storage unit 172 User information 200 Affiliated credit card company server 210 Credit interface 220 Payment distribution unit 230 Credit payment processing unit 240 Information management section 270 storage section

Claims (7)

A payment management device that provides electronic payment services,
When a payment is made using a payment application running on a user's terminal device, the first payment information is acquired via the network, and when the user's card is used at a store, the network and card payment are processed. an acquisition unit that acquires the second payment information via the management device;
If the first payment information is acquired and the setting information regarding the payment method of the user stored in the storage unit indicates a first method of electronic payment using the charge balance , the payment amount is calculated from the charge balance of the user. and record the payment amount as sales proceeds in the member store's account obtained from the first payment information,
If the first payment information is acquired and the setting information regarding the user's payment method indicates a second method of electronic payment by deferred payment, the first payment information is acquired without deducting the payment amount from the user's charge balance. 1 transmitting at least part of the payment information to the card payment management device and requesting electronic payment based on the credit of the operator of the card payment management device;
a payment processing unit that, when the second payment information is acquired, deducts the payment amount from the charge balance of the user and records the payment amount as sales proceeds in an account related to the operator of the card payment management device;
A payment management device equipped with: A payment management device that provides electronic payment services,
When a payment is made using a payment application running on a user's terminal device, the first payment information is acquired via the network, and when the user's card is used at a store, the network and card payment are processed. an acquisition unit that acquires the second payment information via the management device;
When the first payment information has been acquired and the setting information regarding the payment method of the user stored in the storage unit indicates a first method of electronic payment by debiting from a bank account , the user's bank account Debit the payment amount from and record the payment amount as sales proceeds in the member store account obtained from the first payment information,
If the first payment information is acquired and the user's setting information regarding the payment method indicates a second method of electronic payment by deferred payment, the first payment information is obtained without debiting the payment amount from the user's bank account. 1 transmitting at least part of the payment information to the card payment management device and requesting electronic payment based on the credit of the operator of the card payment management device;
a payment processing unit that, when the second payment information is acquired, debits the payment amount from the user's bank account and records the payment amount as sales proceeds in an account related to the operator of the card payment management device;
A payment management device equipped with: A payment management device according to claim 1 or 2 ,
When a user's card is used at a store, payment information is acquired via a network, and card payment setting information stored in a storage unit regarding the user obtained from the payment information is used in the first method. If so, transmitting the second payment information to the payment management device to request electronic payment using the first method;
When the card payment setting information indicates the second method, the card payment management device includes a payment distribution unit that requests electronic payment to a card payment processing unit that performs electronic payment using the second method;
A payment system equipped with A payment management device that provides electronic payment services is
When a payment is made using a payment application running on a user's terminal device, the first payment information is acquired via the network, and when the user's card is used at a store, the network and card payment are processed. Obtaining second payment information via the management device;
If the first payment information is acquired and the setting information regarding the payment method of the user stored in the storage unit indicates a first method of electronic payment using the charge balance , the payment amount is calculated from the charge balance of the user. and record the payment amount as sales proceeds in the member store's account obtained from the first payment information,
If the first payment information is acquired and the setting information regarding the user's payment method indicates a second method of electronic payment by deferred payment, the first payment information is acquired without deducting the payment amount from the user's charge balance. 1 transmitting at least part of the payment information to the card payment management device and requesting electronic payment based on the credit of the operator of the card payment management device;
When the second payment information is acquired, the payment amount is deducted from the charge balance of the user, and the payment amount is recorded as sales proceeds in an account related to the operator of the card payment management device.
Payment management method. A payment management device that provides electronic payment services is
When a payment is made using a payment application running on a user's terminal device, the first payment information is acquired via the network, and when the user's card is used at a store, the network and card payment are processed. Obtaining second payment information via the management device;
When the first payment information has been acquired and the setting information regarding the payment method of the user stored in the storage unit indicates a first method of electronic payment by debiting from a bank account , the user's bank account Debit the payment amount from and record the payment amount as sales proceeds in the member store account obtained from the first payment information,
If the first payment information is acquired and the user's setting information regarding the payment method indicates a second method of electronic payment by deferred payment, the first payment information is obtained without debiting the payment amount from the user's bank account. 1 transmitting at least part of the payment information to the card payment management device and requesting electronic payment based on the credit of the operator of the card payment management device;
If the second payment information is acquired, the payment amount is debited from the user's bank account, and the payment amount is recorded as sales proceeds in an account related to the operator of the card payment management device.
Payment management method. Processors of payment management devices that provide electronic payment services,
When a payment is made using a payment application running on a user's terminal device, the first payment information is acquired via the network, and when the user's card is used at a store, the network and card payment are made. obtain second payment information via the management device;
If the first payment information is acquired and the setting information regarding the payment method of the user stored in the storage unit indicates a first method of electronic payment using the charge balance , the payment amount is calculated from the charge balance of the user. and record the payment amount as sales proceeds in the member store's account obtained from the first payment information;
If the first payment information is acquired and the setting information regarding the user's payment method indicates a second method of electronic payment by deferred payment, the first payment information is acquired without deducting the payment amount from the user's charge balance. 1 transmitting at least part of the payment information to the card payment management device to request electronic payment based on the credit of the operator of the card payment management device;
When the second payment information is acquired, the payment amount is deducted from the charge balance of the user, and the payment amount is recorded as sales proceeds in an account related to the operator of the card payment management device.
program. Processors of payment management devices that provide electronic payment services,
When a payment is made using a payment application running on a user's terminal device, the first payment information is acquired via the network, and when the user's card is used at a store, the network and card payment are made. obtain second payment information via the management device;
When the first payment information has been acquired and the setting information regarding the payment method of the user stored in the storage unit indicates a first method of electronic payment by debiting from a bank account , the user's bank account debit the payment amount from and record the payment amount as sales proceeds in the member store's account obtained from the first payment information;
If the first payment information is acquired and the user's setting information regarding the payment method indicates a second method of electronic payment by deferred payment, the first payment information is obtained without debiting the payment amount from the user's bank account. 1 transmitting at least part of the payment information to the card payment management device to request electronic payment based on the credit of the operator of the card payment management device;
When the second payment information is acquired, the payment amount is debited from the user's bank account, and the payment amount is recorded as sales proceeds in an account related to the operator of the card payment management device.
program.

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