JP7448713B1 - Payment management device, payment management method, application program, and payment management system - Google Patents

Abstract

[Problem] A payment management device, a payment management method, an application program, a card payment management device, and a payment management method that can improve user convenience by performing automatic electronic money deposit processing at a more appropriate timing. To provide a payment management system. [Solution] The payment processing unit includes a communication unit that communicates with a card payment management device that provides an electronic payment service using a card, and a payment processing unit that performs electronic payment using a plurality of payment methods including charge balance. is a case where a request for electronic payment using the charge balance is received from the card payment management device, and the user's charge balance is less than the payment amount, and the auto charge setting has been made for the user in advance. If the user has a fund source, the payment management device executes an auto-charging process for depositing a predetermined amount from the user's fund source to the charging balance without any operation by the user. [Selection diagram] Figure 1

Description

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

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, automatic deposit processing of electronic money (so-called auto charge) may not be performed at an appropriate timing.

The present invention has been made in consideration of these circumstances, and provides payment management that can improve convenience for users by ensuring that electronic money automatic deposit processing is performed at a more appropriate timing. One of the objects of the present invention is to provide a device, a payment management method, an application program, a card payment management device, and a payment management system.

One aspect of the present invention includes a communication unit that communicates with a card payment management device that provides an electronic payment service using a card, and a payment processing unit that performs electronic payment using a plurality of payment methods including charge balance payment, When the payment processing unit receives a request for electronic payment using the charge balance from the card payment management device, and the user's charge balance is less than the payment amount, and the user has not been charged for auto-charging in advance, If the setting is made, there is a payment management device that executes an auto-charging process of depositing a predetermined amount from the user's fund source to the charging balance without the user's operation.

According to one aspect of the present invention, a payment management device, a payment management method, and an application program that can improve convenience for users by performing automatic deposit processing of electronic money at a more appropriate timing; One of our objectives is to provide a card payment management device and a payment management system.

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. It is a sequence diagram for explaining the flow of processing related to card payment. FIG. 3 is a diagram illustrating an example of the contents of card payment setting information 272. It is a diagram showing an example of a top screen IM1 and a payment method switching screen IM2 of the payment application 20. It is a diagram showing an example of a top screen IM1 and an auto charge setting screen IM3 of the payment application 20. It is a figure which shows an example of payment method switching screen IM4.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of a payment management device, a payment management method, an application program, a card payment management device, and a payment management system 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. In the following description, the application program will be referred to as a payment application. Further, the combination of the payment server and the affiliated credit card company server may be referred to as a payment management 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 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 card 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 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 advance payment agent server (acquirer) may be interposed between the credit processing terminal 55 and the affiliated credit card company server 200. In the following, to simplify the explanation, description of the advance payment agency server will be omitted. 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. The affiliated credit card company may be a separate entity from the external credit card company that provides the credit card as a fund source for charging the charge balance.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment.

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 first 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 second 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 second payment information (S7). At this time, if the electronic money charge balance is less than the payment amount and the user has already configured the auto jersey settings, the payment server 100 executes auto charge to increase the charge balance ( After charging, electronic payment is made (S71). Details of the auto charge setting will be described later. 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 first payment information includes information on the payment amount and is 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). At this time, as in the case of user scan, if the electronic money charge balance is less than the payment amount and the user has already configured the auto jersey setting, the payment server 100 executes auto charge. After increasing (charging) the charge balance, electronic payment is performed (S171). 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 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 displayed 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. In addition, the payment processing unit 130 performs automatic charging based on the user's auto-charging settings when the charging balance satisfies a predetermined condition, such as when performing electronic payment or when the charging balance becomes less than a predetermined amount. Carry out automatic charging of electronic money.

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, charge history information, payment history information, and auto charge settings 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 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 and credit card number are each information about a bank account or credit card number (account number, card number) 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.

Auto charge setting is a so-called automatic charge setting that automatically deposits money from the user's fund source to the user's electronic payment account without any user operation when the electronic money charge balance meets predetermined conditions. This setting enables the auto charge function. If the user has set up auto-charge in advance and the electronic money charge balance satisfies a predetermined condition, automatic deposit processing using the auto-charge function is executed. In this embodiment, the auto charge setting is the same setting for charge balance payment in "terminal payment" and charge balance payment in "card payment", but Different auto charge settings may be provided for charge balance payment and charge balance 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 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". The payment processing unit 130 performs electronic payment by, for example, decreasing the charge balance managed in association with the user ID and increasing the item value of the member store's sales proceeds. 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. In addition, if the user has already implemented the auto charge setting and the charge balance is insufficient for the above-mentioned electronic payment, the payment processing unit 130 executes auto charge to increase the charge balance (charge). After that, electronic payment will be made.

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 sends 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 electronic payment using the affiliated card 57 (card payment) in addition to electronic payment using the user terminal device 10 (terminal payment) as described above. For credit card payments, you can choose between payment based on the charge balance and payment using 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. 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 performs an electronic payment if the charge balance corresponding to the account ID is equal to or greater than the payment amount (S241), and notifies the payment distribution unit 220 that the payment is OK. (S25). On the other hand, if the charge balance corresponding to the account ID is less than the payment amount, the payment processing unit 130 refers to the auto charge setting corresponding to the account ID, and if the auto charge setting has been implemented, the automatic charge After executing (S242), electronic payment is made, and a message that the payment is OK is sent back to payment distribution unit 220 (S25). If the automatic charge setting has not been performed, the payment processing unit 130 replies to the payment distribution unit 220 that the payment is NG (not shown). 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).

Note that if the payment server 100 returns payment NG in S25, the credit payment processing unit 230 of the affiliated credit card company server 200 will process the payment without the user's operation if the user's consent has been obtained in advance. Alternatively, the payment method may be automatically changed from charge balance payment to credit card payment using the affiliated card 57 to perform payment processing. In this case, the user may be able to switch whether or not to automatically change the payment method through settings. For example, the payment application 20 accepts a setting switching operation using a software switch, such as a payment method switching screen IM2 or an auto charge setting screen IM3, which will be described later, and notifies the affiliated credit card company server 200 of the state of the switch after switching. It's okay. The payment application 20 may notify the affiliated credit card company server 200 of the state of the switch after switching via the payment server 100.

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.

[User interface for payment method settings]
Here, switching between the first method and the second method and switching the auto charge setting are performed according to the user's operation on the payment application 20. FIG. 10 is a diagram showing an example of the top screen IM1 and the payment method switching screen IM2 of the payment application 20. As shown in the left diagram of FIG. 10, for example, the top screen IM1 of the payment application 20 includes an area A1 that includes code images such as barcodes and QR codes (registered trademark) used for smartphone payments, charging, scanning, etc. It includes an area A2 where icons are set for instructing main operations in smartphone payment such as , and an area A3 where various icons for instructing various service settings in electronic payment services are set. In area A3, an icon IC1 for receiving an instruction to switch the payment method for card payment and an icon IC2 for receiving an instruction to switch the auto charge setting are set.

When the user operates the icon IC1, the screen changes to a payment method switching screen IM2 shown in the right diagram of FIG. The payment method switching screen IM2 includes, for example, the notation "credit payment" and a software switch SS1 that can be turned on or off. By turning the software switch SS1 on or off, the user sets the payment method for card payments to either electronic payment using the charge balance or electronic payment using deferred payment. be able to. When the state of the software switch SS1 is changed, the payment server 100 that cooperates with the payment application 20 notifies the affiliated credit card company server 200 of the changed state. For example, although the information management unit 140 mainly performs this processing, other functional units may perform the processing. When the software switch SS1 is turned on from the off state, the payment server 100 instructs the affiliated credit card company server 200 to change the card payment method setting to "deferred payment", and when the software switch SS1 is turned on. When the state changes from the state to the off state, the affiliated credit card company server 200 is instructed to change the card payment method setting to "charge balance". At this time, the information management unit 140 also changes the card payment method setting in the user information 172. In the above description, the payment method is selectively set from one of two methods on the payment method switching screen IM2, but the payment method may be selected from three or more methods. For example, the user may be allowed to select one payment method from "charge balance", "debit card" (described later), and "deferred payment". In that case, one of "charge balance", "debit card", and "deferred payment" may be treated as a third method that does not fall under either the first method or the second method, or may be treated as a third method that does not fall under the first method or the second method. The method may include multiple methods.

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.

[Auto charge setting user interface]
On the other hand, when the user operates the icon IC2, the screen changes to an auto-charge setting screen IM3 shown in FIG. 11. On the auto charge setting screen IM3, for example, a software switch SS2 that can be turned on or off is provided along with the notation "enable auto charge". By turning the software switch SS2 on or off, the user can set the automatic charging to be enabled or the autocharging to be disabled. When the software switch SS2 changes from the off state to the on state, the payment server 100 changes the value of the auto charge setting in the user information 172 to "completed", and changes the software switch SS2 from the on state to the off state. , the value of the auto charge setting in the user information 172 is changed to "none". In addition, the auto charge setting screen IM3 includes a first setting menu MN1 that accepts setting operations for the minimum deposit amount (minimum charge amount) when depositing with auto charge, and a second setting menu MN1 that accepts setting operations for the charging method. MN2 is provided. The charging method may be withdrawal from a designated bank account, or payment of the charging amount in arrears (including credit card).

As described above, the auto charge setting in this embodiment is common for charge balance payment in "terminal payment" and charge balance payment in "card payment." Further, as described above, the auto charge setting may be provided for each of the charge balance payment in "terminal payment" and the charge balance payment in "card payment". In this case, for example, on the auto-charge setting screen IM3, a software switch for terminal payment and a software switch for card payment may be provided. Further, for example, different auto charge setting screens may be provided for charge balance payment in "terminal payment" and charge balance payment in "card payment". Further, for example, an icon may be placed on the top screen for transitioning to different auto charge setting screens for charge balance payment in "terminal payment" and charge balance payment in "card payment".

FIG. 12 is a diagram showing a modification of the payment method switching screen IM2 illustrated in FIG. 10. The payment method switching screen IM4 shown in FIG. 12 further includes software switches SS3 and SS4 in addition to the software switch SS1 for setting the payment method for card payment to credit card payment. The software switch SS3 is a software switch for setting the payment method for card payment to credit card payment. The software switch SS1 and the software switch SS3 may be configured to interlock so that when one is turned ON (or OFF) by operation, the other is turned OFF (or ON). The software switch SS4 is a software switch for enabling/disabling auto-charging when paying a charge balance in card payments. In this case, the auto-charge setting screen illustrated in FIG. 11 may be omitted. Further, a payment method switching screen similar to that shown in FIG. 12 may be provided for terminal payments, or the payment method switching screen IM4 shown in FIG. 11 may be provided as a common setting screen for both card payments and terminal payments. .

The above-described payment method switching screen and auto charge setting screen may be configured as an application program (so-called mini app) that calls and executes the affiliated credit card company server 200 on the payment app 20, or may be configured as an application program (so-called mini app) that is executed by calling the affiliated credit card company server 200 on the payment app 20. It may be configured as a built-in function (so-called native application). When configured as a mini app of the affiliated credit card company server 200, the affiliated credit card company server 200 may transmit information acquired from the payment application 20 to the payment server 100 via the mini app. Further, when configured as a native application of the payment application 20, the payment server 100 may transmit information acquired via the payment application 20 to the affiliated credit card company server 200. In this way, the payment server 100 and the affiliated credit card company server 200 exchange information acquired via the payment application 20 with each other, so that setting information such as the payment method and auto-charge can be exchanged between the payment server 100 and the affiliated credit card company server 200. It may be synchronized with the credit card company server 200. By synchronizing the setting information, it becomes possible to handle the payment method settings and auto charge settings as common settings between the payment server 100 and the affiliated credit card company server 200.

[Auto charge notification]
Further, in the present embodiment, the payment processing unit 130 of the payment server 100 notifies the user of this effect (auto charge notification) at least when auto charge is executed in card payment. The automatic charge notification may be sent by email, a pop-up display, or a push notification. The payment processing unit 130 may be configured to notify when auto-charging is executed, regardless of whether the payment is by card or by terminal. In this case, the payment processing unit 130 may be configured to change the form or content of the notification depending on whether the payment is by card or by terminal. For example, the payment processing unit 130 may include the contents of the electronic payment that triggered the automatic charge in the automatic charge notification, and if the automatic charge occurs as a card payment, the payment processing unit 130 may include the details of the electronic payment that triggered the automatic charge. information may be included in the auto-charge notification. By transmitting such an auto-charge notification, it is possible to suppress unauthorized use of the affiliated card 57 and to reduce the amount incurred due to such unauthorized use.

According to the embodiment described above, convenience for the user can be improved by performing automatic deposit processing of electronic money at a more appropriate timing.

Further, in the above embodiment, a case has been described in which payment in one electronic payment is completed by one payment method, but payment in one electronic payment may be completed by combining a plurality of payment methods. For example, in the charge balance payment by card payment, the payment server 100 sends a request to the affiliated credit card company so that a part of the amount to be settled is paid by the charge balance payment, and the remaining amount is settled by credit card payment by the affiliated card 57. It may be configured to instruct the server 200. In this case, for example, the payment processing unit 130 of the payment server 100 processes the payment for a part of the amount using a charge balance payment, and then sends back information on the difference to be paid by credit card to the affiliated credit card company server 200. (S25). The credit payment processing unit 230 of the affiliated credit card company server 200 settles the difference notified from the payment server 100 by credit card payment using the affiliated card 57.

Further, in the above embodiment, 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, or vice versa. It is not limited to this. A method of electronic payment by debiting a bank account is an example of the first method, and a method of electronic payment by deferred payment is an example of the second method, or vice versa. The method of electronically paying by debiting a bank account is, for example, a so-called debit card method in which money is immediately debited from a bank account when an electronic payment is made. Further, either or both of the first method and the second method may include a plurality of methods. For example, the first method includes a method of making electronic payment using the charge balance and a method of making electronic payment by debiting from a bank account, and the user may be able to select any one of these methods unconditionally. .

In the above embodiment, as an example of the first device, the payment server 100 cooperates with the payment application 20 to perform electronic payment at a physical store, but the first method is to perform electronic payment by debiting a bank account. In the case of an electronic payment method or a method of electronic payment by deferred payment, the "first device" may be a device that exclusively performs card payments. For example, a bank server falls under this category. Even in this case, the card payment setting information 272 is switched by an application program that cooperates with the affiliated credit card company server 200 or the "first device that exclusively performs card payments."

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 50 First store terminal device 55 Credit processing terminal 57 Affiliated card 60 Store code image 70 Second store terminal device 72 Interface for affiliated stores 100 Payment server 110 Communication department 120 Payment content providing section 130 Payment processing Section 140 Information management section 170 Storage section 172 User information 174 Payment content information 176 Affiliated store/store information 200 Affiliated credit card company server 210 Credit interface 220 Payment distribution section 230 Credit payment processing section 240 Information management section 270 Storage section 272 Card payment Setting information

Claims (14)

a communication unit that communicates with a card payment management device that provides electronic payment services using cards;
Auto-charging is a payment processing unit that performs electronic payments using multiple payment methods, including charge balances, and the user's charge balance is less than the payment amount, and auto-charging has been set for the user in advance. a payment processing unit that executes an auto-charging process for depositing a predetermined amount from the user's fund source to the charging balance without any operation by the user when the conditions are met;
Equipped with
The card payment management device receives a request for electronic payment using the card, executes credit processing if the electronic payment method related to the request is to use the card as a credit card, and processes the request. If the method of electronic payment related to the above is based on the charge balance, the electronic payment related to the request is requested to the payment management device,
The payment processing unit executes the auto-charging process when the auto-charging condition is satisfied when receiving a request for electronic payment using the charging balance from an application program running on the user's terminal device;
The payment processing unit executes the auto charge processing when the auto charge condition is satisfied when receiving a request for electronic payment using the charge balance from the card payment management device.
Payment management device. a communication unit that communicates with a card payment management device that provides electronic payment services using cards;
Auto-charging is a payment processing unit that performs electronic payments using multiple payment methods, including charge balances, and the user's charge balance is less than the payment amount, and auto-charging has been set for the user in advance. a payment processing unit that executes an auto-charging process for depositing a predetermined amount from the user's fund source to the charging balance without any operation by the user when the conditions are met;
Equipped with
The payment processing unit executes the auto charge processing when the auto charge condition is satisfied when receiving a request for electronic payment using the charge balance from the card payment management device,
The payment processing unit notifies the user when the auto charge processing is executed, and determines whether the electronic payment at the time of executing the auto charge processing is requested by the card payment management device. , or changing the content of the notification depending on whether it is instructed by an application program running on the user's terminal device;
Payment management device. a communication unit that communicates with a card payment management device that provides electronic payment services using cards;
Auto-charging is a payment processing unit that performs electronic payments using multiple payment methods, including charge balances, and the user's charge balance is less than the payment amount, and auto-charging has been set for the user in advance. a payment processing unit that executes an auto-charging process for depositing a predetermined amount from the user's fund source to the charging balance without any operation by the user when the conditions are met;
Equipped with
The payment processing unit executes the auto charge processing when the auto charge condition is satisfied when receiving a request for electronic payment using the charge balance from the card payment management device,
The payment processing unit determines whether or not the auto charge setting has been made, if the electronic payment at the time of executing the auto charge process is requested by the card payment management device, and if the user The determination is made based on different setting information depending on whether the instruction is given by an application program running on a terminal device.
Payment management device. a communication unit that communicates with a card payment management device that provides electronic payment services using cards;
Auto-charging is a payment processing unit that performs electronic payments using multiple payment methods, including charge balances, and the user's charge balance is less than the payment amount, and auto-charging has been set for the user in advance. a payment processing unit that executes an auto-charging process for depositing a predetermined amount from the user's fund source to the charging balance without any operation by the user when the conditions are met;
Equipped with
The payment processing unit executes the auto charge processing when the auto charge condition is satisfied when receiving a request for electronic payment using the charge balance from the card payment management device,
The payment processing unit determines whether or not the auto charge setting has been made, if the electronic payment at the time of executing the auto charge process is requested by the card payment management device, and if the user The determination is made based on the same setting information or synchronized setting information when the instruction is given by an application program running on a terminal device.
Payment management device. The payment management device
Communicate with a card payment management device that provides electronic payment services using cards,
Executes payment processing for electronic payment using multiple payment methods, including charge balance,
If the user's charge balance is less than the payment amount and the auto charge conditions are met, such as the auto charge setting has been made for the user in advance, the user's fund source will be charged according to the user's operation. executing an auto-charging process for depositing a predetermined amount into the charging balance without relying on the charge balance ;
A payment management method,
The card payment management device receives a request for electronic payment using the card, executes credit processing if the electronic payment method related to the request is to use the card as a credit card, and processes the request. If the method of electronic payment according to is based on the charge balance, the electronic payment according to the request is requested to the payment management device,
executing the auto-charging process if the auto-charging condition is met when a request for electronic payment using the charging balance is received from an application program running on the user's terminal device;
executing the auto-charging process if the auto-charging condition is met when a request for electronic payment using the charge balance is received from the card payment management device;
Payment management methods. The payment management device
Communicate with a card payment management device that provides electronic payment services using cards,
Executes payment processing for electronic payment using multiple payment methods, including charge balance,
If the user's charge balance is less than the payment amount and the auto charge conditions are met, such as the auto charge setting has been made for the user in advance, the user's fund source will be charged according to the user's operation. executing an auto-charging process for depositing a predetermined amount into the charging balance without relying on the charge balance;
A payment management method,
When a request for electronic payment using the charge balance is received from the card payment management device and the auto charge condition is satisfied, the auto charge process is executed;
When the auto-charge process is executed, the user is notified whether the electronic payment at the time of the auto-charge process was requested by the card payment management device or whether the user changing the content of the notification depending on whether the notification is instructed by an application program running on the terminal device;
Payment management methods. The payment management device
Communicate with a card payment management device that provides electronic payment services using cards,
Executes payment processing for electronic payment using multiple payment methods, including charge balance,
During the payment process, if the user's charge balance is less than the payment amount and the auto-charge conditions are met, such as the user's auto-charge settings being made in advance, the user's fund source executing an auto-charging process for depositing a predetermined amount into the charging balance without any operation by the user;
A payment management method,
When a request for electronic payment using the charge balance is received from the card payment management device and the auto charge condition is satisfied, the auto charge process is executed;
Whether or not the auto-charge setting is made is determined if the electronic payment when the auto-charging process is executed is requested by the card payment management device, and if the electronic payment is performed on the user's terminal device. The judgment is made based on different setting information depending on whether the instruction is given by the application program or not.
Payment management methods. The payment management device
Communicate with a card payment management device that provides electronic payment services using cards,
Execute payment processing for electronic payment using multiple payment methods, including charge balance,
If the user's charge balance is less than the payment amount and the auto charge conditions are met, such as the auto charge setting has been made for the user in advance, the user's fund source will be charged according to the user's operation. executing an auto-charging process for depositing a predetermined amount into the charging balance without relying on the charge balance;
A payment management method,
When a request for electronic payment using the charge balance is received from the card payment management device and the auto charge condition is satisfied, the auto charge process is executed;
In the payment process, it is determined whether the auto charge setting is set or not, if the electronic payment at the time of executing the auto charge process is requested by the card payment management device, and if the user The determination is made based on the same setting information or synchronized setting information when the instruction is given by an application program running on the terminal device.
Payment management methods. An application that operates on a user's terminal device that communicates with the payment management device according to any one of claims 1 to 4 , and provides a user interface for setting a payment method for an electronic payment service using the card. A program,
The user interface includes means for setting the payment method to either electronic payment using a credit card or electronic payment using the charge balance.
application program. The user interface includes means for enabling or disabling the auto-charging for the payment method using the charging balance in the electronic payment service using the card.
The application program according to claim 9 . A payment management system comprising a card payment management device that provides an electronic payment service using a card, and a payment management device that communicates with the card payment management device,
The card payment management device includes:
a card payment processing unit that executes card payment processing to realize payment using the card as a credit card ;
A request for electronic payment using the card is accepted, and if the electronic payment method related to the request is to use the card as a credit card, credit processing is executed, and the electronic payment method related to the request is , a payment distribution unit that requests the payment management device to make the electronic payment related to the request if it is based on the charge balance ;
Equipped with
The payment management device includes:
A payment processing unit that performs electronic payments using multiple payment methods including the charge balance , and where the user's charge balance is less than the payment amount and the auto charge setting has been made for the user in advance. If a charge condition is met, the charge processing unit includes a payment processing unit that executes an automatic charge process of depositing a predetermined amount from the user's fund source to the charge balance without any operation by the user;
The payment processing unit executes the auto charge processing when the auto charge condition is satisfied when receiving a request for electronic payment using the charge balance from the card payment management device.
Payment management system. A payment management system comprising a card payment management device that provides an electronic payment service using a card, and a payment management device that communicates with the card payment management device,
The payment management device includes:
Auto-charging is a payment processing unit that performs electronic payments using multiple payment methods, including charge balances, and the user's charge balance is less than the payment amount, and auto-charging has been set for the user in advance. If the conditions are met, the payment processing unit is provided with a payment processing unit that executes an auto-charging process of depositing a predetermined amount from the user's fund source to the charging balance without any operation by the user;
The payment processing unit executes the auto charge processing if the auto charge condition is satisfied when receiving a request for electronic payment using the charge balance from the card payment management device;
The payment processing unit notifies the user when the auto charge processing is executed, and determines whether the electronic payment at the time of executing the auto charge processing is requested by the card payment management device. , or changing the content of the notification depending on whether it is instructed by an application program running on the user's terminal device;
Payment management system. A payment management system comprising a card payment management device that provides an electronic payment service using a card, and a payment management device that communicates with the card payment management device,
The payment management device includes:
Auto-charging is a payment processing unit that performs electronic payments using multiple payment methods, including charge balances, and the user's charge balance is less than the payment amount, and auto-charging has been set for the user in advance. If the conditions are met, the payment processing unit is provided with a payment processing unit that executes an auto-charging process of depositing a predetermined amount from the user's fund source to the charging balance without any operation by the user;
The payment processing unit executes the auto charge processing if the auto charge condition is satisfied when receiving a request for electronic payment using the charge balance from the card payment management device;
The payment processing unit determines whether or not the auto charge setting has been made, if the electronic payment at the time of executing the auto charge process is requested by the card payment management device, and if the user The determination is made based on different setting information depending on whether the instruction is given by an application program running on a terminal device.
Payment management system. A payment management system comprising a card payment management device that provides an electronic payment service using a card, and a payment management device that communicates with the card payment management device,
The payment management device includes:
Auto-charging is a payment processing unit that performs electronic payments using multiple payment methods, including charge balances, and the user's charge balance is less than the payment amount, and auto-charging has been set for the user in advance. If the conditions are met, the payment processing unit is provided with a payment processing unit that executes an auto-charging process of depositing a predetermined amount from the user's fund source to the charging balance without any operation by the user;
The payment processing unit executes the auto charge processing if the auto charge condition is satisfied when receiving a request for electronic payment using the charge balance from the card payment management device;
The payment processing unit determines whether or not the auto charge setting has been made, if the electronic payment at the time of executing the auto charge process is requested by the card payment management device, and if the user The determination is made based on the same setting information or synchronized setting information when the instruction is given by an application program running on a terminal device.
Payment management system.

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