JP7498695B2 - Payment system, method of using payment means, and program - Google Patents

Description

This disclosure relates to a payment system, a method for using a payment method, and a program.

Conventionally, payment systems that execute charging processes related to payment means such as electronic money are known. Patent Document 1 describes a technology for charging electronic money stored in a user's IC card based on each of a plurality of charging methods in a system that can charge electronic money stored in the IC card based on a plurality of charging methods.

JP 2002-73973 A

As in Patent Document 1, when a payment means can be charged using multiple charging methods, it is believed that convenience for users would be improved if it were possible to assign priorities to the use of the balance of the payment means. However, with conventional technology, charges are generally used in order of oldest charge date and time, and it is not possible to assign priorities to charging methods, so it is not possible to improve convenience for users.

One of the objectives of this disclosure is to increase convenience for users who use payment instruments that can be charged using multiple charging methods.

The payment system according to the present disclosure includes a charge processing execution unit that executes charge processing related to a user's payment means based on a charge method selected from among a plurality of charge methods, an identification unit that identifies a priority associated with each of the plurality of charge methods, and a usage processing execution unit that executes usage processing related to the use of the payment means based on the priority.

This disclosure provides greater convenience for users who use payment instruments that can be charged using multiple charging methods.

FIG. 1 is a diagram illustrating an example of the overall configuration of a payment system. FIG. 13 is a diagram illustrating an example of a screen displayed on a user terminal. FIG. 13 is a diagram illustrating an example of a screen displayed on a user terminal. A functional block diagram showing an example of functions realized in the payment system. FIG. 13 is a diagram illustrating an example of a payment database. FIG. 11 is a flow diagram showing an example of a process executed in the payment system. FIG. 13 is a diagram illustrating an example of a functional block according to a modified example. FIG. 13 is a diagram showing an example of a screen displayed on a user terminal in the fifth modified example.

[1. Overall configuration of the payment system]
An example of an embodiment of a payment system according to the present disclosure will be described. Fig. 1 is a diagram showing an example of the overall configuration of a payment system. The payment system S includes a payment server 10 and a user terminal 20. These can be connected to a network N such as the Internet. The payment system S only needs to include at least one computer, and is not limited to the example of Fig. 1.

The payment server 10 is a server computer. The control unit 11 includes at least one processor. The storage unit 12 includes a volatile memory such as a RAM and a non-volatile memory such as a hard disk. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

The user terminal 20 is a user's computer. For example, the user terminal 20 is a smartphone, a tablet terminal, a wearable terminal, or a personal computer. The physical configurations of the control unit 21, the memory unit 22, and the communication unit 23 may be similar to those of the control unit 11, the memory unit 12, and the communication unit 13, respectively. The operation unit 24 is an input device such as a touch panel. The display unit 25 is a liquid crystal display or an organic EL display.

The programs stored in each of the payment server 10 and the user terminal 20 may be supplied via the network N. Also, the programs stored in the information storage medium may be supplied via a reading unit (e.g., an optical disk drive or a memory card slot) that reads the computer-readable information storage medium, or an input/output unit (e.g., a USB port) that inputs and outputs data to and from an external device.

[2. Overview of the payment system]
In this embodiment, an example is taken of a case where a user uses a payment service from a payment app. The payment app is an application provided by a payment service provider. The payment app is installed in the user terminal 20. Any type of payment means may be used in the payment service. For example, electronic money, points, credit cards, debit cards, bank accounts, wallets, or virtual currencies may be used as payment means. The payment means may also be called a payment means. A code such as a barcode or a two-dimensional code may also correspond to the payment means. The payment means may be any means used in electronic payment.

Figures 2 and 3 are diagrams showing examples of screens displayed on the user terminal 20. For example, when the payment app of the user terminal 20 is launched, a login process is executed for the user to log in to the payment service. In this embodiment, it is assumed that the user has already registered to use the payment service. For example, the user inputs a user ID and password for the payment service. If the login process is successful, the home screen G1 of the payment app is displayed on the display unit 25.

The home screen G1 displays a code C10 including a code ID that can identify a user in the payment service. The code ID is information different from a user ID. The payment server 10 issues a code ID so that it does not overlap with the code IDs of other users. The code ID can be updated at any time. For example, the code ID is updated when the payment app is launched, when the home screen G1 is displayed, when the code ID expires, or when the user performs a specified operation.

In the example of FIG. 2, both a barcode and a two-dimensional code are displayed as code C10, but code C10 itself may be any code. For example, only either a barcode or a two-dimensional code may be displayed as code C10. For example, when code C10 is read by a terminal in a store visited by the user, a payment process is executed based on the payment method set by the user as the source of payment.

In this embodiment, the case where the payment source is electronic money is taken as an example. In the example of FIG. 2, "AAA Cash," an online electronic money that can be used with the payment service "AAA Pay," is set as the payment source. For example, when code C10 is read at a store terminal, the balance of the electronic money is reduced by a specified amount and the payment is completed. Code C10 can be read not only at store terminals, but also at any terminal such as a vending machine.

The payment method that the user can use from the payment app is not limited to the method using the code C10. For example, any method can be used, such as a payment method in which the user terminal 20 reads a code posted in a store, a payment method in which the user terminal 20 reads a code displayed on a terminal in the store, a payment method that is completed only by operating the user terminal 20, or a payment method in which the user terminal 20 is held over a terminal capable of wireless communication.

For example, when the user selects button B11, an electronic money menu M13 is displayed on the display unit 25. Menu M13 allows various operations related to electronic money. For example, when the user selects button B14, the remaining or part of the electronic money balance can be sent to another user. When the user selects button B15, the remaining or part of the electronic money balance can be withdrawn. When the user selects button B16, the electronic money can be charged.

In this embodiment, multiple charging methods are available. A charging method is a method used to charge electronic money. For example, a charging method is a type of payment method used for charging. For example, if charging from a credit card, a debit card, points, and a bank account is possible, there are at least four charging methods. If a user holds multiple credit cards, the charging method refers to the type of credit card. If there are multiple points that can be charged to electronic money, the charging method refers to the type of points.

For example, when the user selects button B16, a charge screen G2 is displayed on the display unit 25. For example, the user inputs a charge amount in an input form F20. On the charge screen G2, a button B21 is displayed indicating a charge method selectable by the user. The user selects one of a number of charge methods by selecting button B21. In the example of FIG. 2, the user has registered two credit cards, "Credit card X" and "Credit card Y", in the payment app. The user can use any of these two credit cards to charge electronic money.

For example, the user can select a charging method that uses sales proceeds from a flea market service linked to the payment service, or a charging method that uses virtual currency bought and sold at a financial service linked to the payment service. Hereinafter, the charging method using a credit card, the charging method using sales proceeds, and the charging method using virtual currency will be referred to as card charging, sales proceeds charging, and virtual currency charging, respectively.

For example, when the user selects button B21, which indicates the charging method of charging using "Credit card X," a confirmation screen G3 for final confirmation of the charge is displayed on the display unit 25. The confirmation screen G3 displays information such as the card number of the "Credit card X" selected by the user, the charge amount entered by the user, and the change in the electronic money balance. When the user selects button B30, charging is performed using "Credit card X."

When charging is complete, the electronic money balance increases, as shown in home screen G1 in FIG. 3. Card charging may allow charging using not only a shopping limit but also a cash advance limit. In this case, there are two card charging methods: a charging method using a shopping limit and a charging method using a cash advance limit.

In this embodiment, the user can select any one of a number of charging methods. Each charging method is associated with a priority when the user uses electronic money. If the charges from each of the multiple charging methods are mixed in the electronic money balance, the charge from the charging method with a relatively high priority is used preferentially from the electronic money balance.

For example, suppose the balance of electronic money is 10,000 yen. Of the 10,000 yen balance, the amount charged by card charge, the amount charged by sales proceeds charge, and the amount charged by virtual currency charge are 7,000 yen, 1,000 yen, and 2,000 yen, respectively. Furthermore, suppose that sales proceeds charge has the highest priority, virtual currency charge has the second highest priority, and card charge has the lowest priority.

In the above example, let's say the user uses 5,000 yen out of a balance of 10,000 yen. In this case, the entire 1,000 yen, which is the charge from the sales proceeds charge, which has the highest priority, is used. Since the charge from the sales proceeds charge alone is not enough to cover the 5,000 yen usage amount, the 2,000 yen charge from the virtual currency charge, which has the second highest priority, is used. Even after using the charge from the virtual currency charge, it is still not enough to cover the 5,000 yen usage amount, so the remaining 2,000 yen is used from the charge from the card charge, which has the lowest priority.

In the above example, if the user's usage amount is 1,000 yen or less, the sales proceeds charge amount will be sufficient, and the virtual currency charge amount and the card charge amount will not be used. If the user's usage amount is 3,000 yen or less, the sales proceeds charge amount and the virtual currency charge amount will be sufficient, and the card charge amount will not be used. If the user's usage amount is more than 3,000 yen, both the sales proceeds charge amount and the virtual currency charge amount will be used, and all or part of the card charge amount will be used.

In this embodiment, the user can specify a priority order for each purpose of using electronic money. For example, the balance of electronic money can be used for payments at stores, etc. (hereinafter, payment purpose), for sending part or all of the balance to other users (hereinafter, sending purpose), and for withdrawing it as cash (hereinafter, withdrawal purpose). Electronic money can be used for any purpose and is not limited to these three purposes. For example, it may be used for any two of these purposes. For example, it may be used for other purposes such as charging other electronic money or converting it into points.

For example, when the user selects icon I12 on the home screen G1 and performs an operation to specify a priority order for a payment purpose, a specification screen G4A is displayed that accepts the specification of the priority order. The user inputs the priority order for each of multiple charge methods into an input form F40. The user may specify the same priority order for the payment purpose as for other use purposes, or may specify a priority order different from the other use purposes. When the user uses electronic money for payment purposes, the electronic money is used based on the priority order entered into the specification screen G4A.

The specification screen G4B is a screen that accepts the specification of the priority order for sending purposes. The specification screen G4C is a screen that accepts the specification of the priority order for withdrawal purposes. The configuration of the specification screens G4B and G4C is the same as that of the specification screen G4A. The user can specify any priority order from each of the specification screens G4B and G4C. When the user uses electronic money for sending or withdrawing purposes, the electronic money is used based on the priority order entered in the specification screens G4B and G4C. Hereinafter, when there is no need to distinguish between the specification screens G4A to G4C, they will simply be referred to as the specification screen G4.

As described above, in the payment system S of this embodiment, each of the multiple recharge methods is associated with a priority order specified by the user. When the user uses the balance of electronic money, the electronic money is used based on the priority order associated with each individual recharge method. This can improve the convenience of users who use electronic money that can be recharged using multiple recharge methods. Details of the payment system S will be described below.

[3. Functions Realized by the Payment System]
FIG. 4 is a functional block diagram showing an example of functions realized in the payment system.

[3-1. Functions realized by the payment server]
The data storage unit 100 is realized mainly by the storage unit 12. The designation acceptance unit 101, the charge processing execution unit 102, the identification unit 103, and the usage processing execution unit 104 are realized mainly by the control unit 11.

[Data storage unit]
The data storage unit 100 stores data necessary for providing a payment service to a user. For example, the data storage unit 100 stores a payment database DB.

Figure 5 is a diagram showing an example of a payment database DB. As shown in Figure 5, the payment database DB is a database that stores information about users in a payment service. For example, the payment database DB stores a user ID, password, name, code ID, expiration date, payment source information, card information, electronic money information, bank account information, usage history information, and charge history information. The information stored in the payment database DB may be any information about a user and is not limited to the example of Figure 5.

The user ID is an example of user identification information that can identify a user. The user identification information may be any information, such as information called a user account, an email address, or a phone number. For example, the user identification information is letters, numbers, other symbols, or a combination of these. The user ID and password are used to log in to the payment service.

In this embodiment, not only the user ID but also the code ID is information capable of identifying a user, so the code ID also corresponds to user identification information. Code C10 may include some kind of user identification information. Code C10 may include other user identification information such as a user ID rather than a code ID. The expiration date is a predetermined time after the code ID is issued. The expiration date may be any length, for example, about one minute to one hour, or about several hours to several days. An expiration date may not be set for the code ID.

Payment source information is information that can identify the payment method set as the payment source. For example, if electronic money is set as the payment source, the payment source information may be an electronic money ID that can identify the electronic money. For example, if a credit card is set as the payment source, the payment source information may be the card number of the credit card. Card information is information about the user's credit card. For example, card information includes the card number, expiration date, and cardholder. A user can register multiple credit cards.

Electronic money information is information about a user's electronic money. For example, electronic money information includes information indicating the balance of electronic money. In this embodiment, electronic money information includes information indicating the breakdown of the balance. The breakdown is information about the charge amount that constitutes the balance. For example, the breakdown in electronic money information includes the charge date and time, charge method information about the charge method, and the unused portion of the charge amount. If the electronic money balance includes only the charge amount from a single charge, the breakdown of this balance indicates the charge amount from that single charge. If the electronic money balance includes each of multiple charge amounts, the breakdown of this balance indicates the charge amount from each of the multiple charge amounts. For the charge amount from a card charge, the breakdown may include card information of the credit card used for the card charge.

Taking the user "Yamada Taro" in Figure 5 as an example, the breakdown of the electronic money balance of 6,000 yen is 3,000 yen from a card charge made at 11:23:50 on November 1, 2021, 1,000 yen from a sales proceeds charge made at 19:25:42 on November 5, 2021, and 2,000 yen from a virtual currency charge made at 10:56:11 on November 12, 2021. In this state, if a card charge of 4,000 yen is made at 13:20:58 on November 25, 2021, the electronic money balance will become 10,000 yen. As a breakdown of the 10,000 yen balance, 4,000 yen from a card charge made at 13:20:58 on November 25, 2021 will be added.

The priority information is information indicating the priority of each of the multiple charging methods. In this embodiment, a priority is specified for each purpose of use, so the priority information indicates the priority of each of the multiple charging methods for each purpose of use. When multiple charges are made using a certain charging method, the charges from the multiple charges using this charging method will be used in order of the oldest charge date and time. When the user specifies a priority from the specification screen G4, the priority information is updated. If the user does not specify a priority, the priority information will indicate the default priority.

Bank account information is information about a bank account specified by a user. For example, bank account information includes the name of the financial institution, the branch name, the account number, and the account holder. This bank account is the transfer destination when the balance of electronic money is used for the purpose of withdrawal. The balance of electronic money may be withdrawn to an account of a financial institution other than a bank. Alternatively, for example, withdrawal may be made by dispensing cash from an ATM rather than to an account. Note that the amount charged using the shopping limit of a credit card cannot be withdrawn.

Usage history information is information about a user's usage history of a payment service. Usage history information includes information according to the purpose of using the payment means. For example, if the purpose is payment, usage history information includes the date and time of use, the store used, and the amount used. If the purpose is sending, usage history information includes the date and time of use, the recipient user, and the amount used. If the purpose is withdrawal, usage history information includes the date and time of use, the bank account from which the withdrawal was made, and the amount used. Each time the user uses a payment service, the user's usage history information is updated.

The payment app of this embodiment can use payment methods other than electronic money, so the usage history information is updated even when another payment method is used. In this case, the usage history information also includes information that can identify the payment method used. When electronic money is used, the usage history information may include information that can identify which portion of the balance of electronic money has been used. In other words, the usage history information may include information that indicates how much of the charge amount charged using which charge method has been used. For this reason, charge method information may also be included in the usage history information.

The recharge history information is information relating to the history of recharges to electronic money. For example, the recharge history information includes the recharge date and time of electronic money, the recharge method, and the recharge amount. Each time a user recharges electronic money, the user's recharge history information is updated. For past recharges for which information is stored in the recharge history information and for which a recharge amount remains, the information is stored as a breakdown of the electronic money information. In the case of card recharge, the card information of the credit card used for the card recharge may be included in the recharge history information. The information stored in the payment database DB is not limited to the example in FIG. 5 and may be any information. For example, if a bank account or points can be used as a payment method, information on the bank account or points is stored in the payment database DB.

[Designated reception desk]
The designation receiving unit 101 receives the designation of the priority order by the user. In this embodiment, the case where the priority order is designated on the designation screen G4 will be described, but the screen on which the priority order is designated may be any other screen. For example, the designation receiving unit 101 receives the designation of the priority order by receiving data indicating the priority order designated on the designation screen G4 from the user terminal 20. In this embodiment, the case where the priority order is designated by inputting a number indicating the priority order into the input form F40 will be described, but the priority order can be designated by any operation. For example, the priority order may be designated using other user interfaces such as a pull-down, a radio button, or a check box.

[Charge Processing Execution Unit]
The charge process execution unit 102 executes a charge process for the user's electronic money based on a charge method selected from a plurality of charge methods. The charge process is a process for charging electronic money. For example, the charge process is a process for increasing the balance of electronic money. Various processes can be used for the charge process itself. In this embodiment, the process for increasing the balance of electronic money stored in the payment database DB corresponds to the charge process. The charge process may include other processes. For example, the charge process may include a process for updating the details of the balance of electronic money.

In this embodiment, electronic money will be described as an example of a payment method to be charged. Therefore, the words "electronic money" can be read as "payment method." The payment method to be charged may be of any type and is not limited to electronic money. The payment method to be charged may be any payment method that has a balance concept. For example, if points can be charged, the points may correspond to the payment method. For example, if charging is possible using a payment service that uses a code, the code may correspond to the payment method. In this embodiment, electronic money that does not include the word "money" in the name, such as "AAA Cash," is used as an example, but the payment method may be called by any name.

The charging method itself may be any charging method and is not limited to the example of this embodiment. For example, if charging using a shopping limit or cash advance limit of a credit card is possible, the charging process execution unit 102 may execute a charging process using the shopping limit or cash advance limit. For example, the charging process execution unit 102 may execute a charging process based on other charging methods such as charging from sales revenue, charging from virtual currency, charging using a points balance, or charging using a bank account.

[Specific part]
The identification unit 103 identifies a priority associated with each of the multiple charging methods. In this embodiment, the user specifies the priority himself/herself, and therefore the identification unit 103 identifies the priority specified by the user. For example, since priority information is stored in the payment database DB, the identification unit 103 identifies the priority by acquiring the priority information stored in the payment database DB. The priority may not be specified in advance, but may be specified on the spot when the user uses electronic money. In this case, the identification unit 103 may identify the priority by acquiring, from the user terminal 20, priority information indicating the priority specified when the user uses electronic money.

In this embodiment, electronic money can be used for multiple purposes. A priority order is associated with each purpose. The identification unit 103 identifies the priority order associated with the purpose of use of the electronic money. For example, when electronic money is used for three purposes, such as payment, sending, and withdrawal, the user specifies three priorities. When electronic money is used, the identification unit 103 identifies the priority order according to the purpose of use. For example, the identification unit 103 identifies the priority order associated with the purpose of use by acquiring priority order information stored in association with the purpose of use in the payment database DB.

[Usage processing execution unit]
The use process execution unit 104 executes a use process related to the use of electronic money based on the priority order. The use process is a process for using electronic money. For example, the use process is a process for reducing the balance of electronic money. The use process itself can be various processes. In this embodiment, the process for reducing the balance of electronic money stored in the payment database DB corresponds to the use process. The use process may include other processes. For example, the use process may include a process for updating the details of the balance of electronic money.

The usage process execution unit 104 executes the usage process so that the charge amount of a charge method with a relatively high priority is used preferentially. A charge method with a relatively high priority means that there is another charge method with a lower priority than this charge method. A charge amount is used preferentially when the usage amount itself is high, or the ratio of the usage amount to the total charge amount is high. The usage process execution unit 104 executes the usage process so that the charge amount of a charge method with a higher priority is used preferentially.

For example, suppose the balance of electronic money is 3,000 yen, the charge amount from card charge is 1,000 yen, and the charge amount from sales proceeds charge is 2,000 yen. Furthermore, the priority of card charge is higher than the priority of sales proceeds charge. In this example, if the amount used is 500 yen, deducting the entire 500 yen from the charge amount from card charge does not use the charge amount from sales proceeds charge, and therefore is equivalent to preferentially using the charge amount from the charge method with a higher priority. Even if the charge amount from card charge and the charge amount from sales proceeds charge are used in combination, using 400 yen from the charge amount from card charge and 100 yen from the charge amount from sales proceeds charge is equivalent to preferentially using the charge amount from the charge method with a higher priority, since the amount used from card charge is greater.

In the above example, if the usage amount is 2,500 yen, using the entire 1,000 yen of the card charge and 1,500 yen of the sales charge will result in the sales charge being greater when looking at the usage amount alone, but since the card charge accounts for a greater proportion of the total usage amount, this is equivalent to preferentially using the charge amount of the charge method with the higher priority. In other words, the card charge uses the entire 1,000 yen (100%), while the sales charge only uses 1,500 yen (75%) of the 2,000 yen, so this is equivalent to preferentially using the charge amount of the charge method with the higher priority.

In this embodiment, the usage process execution unit 104 executes a withdrawal process related to the withdrawal from electronic money as a usage process based on the priority order. A withdrawal process is a process of withdrawing the balance of electronic money. Withdrawal can also be considered as cashing. The withdrawal process itself can use a known process. For example, a withdrawal process is a process of reducing the balance of electronic money and transferring the reduced amount to the user's bank account. For example, a withdrawal process is a process of reducing the balance of electronic money and discharging cash from a terminal such as an ATM.

For example, when the charge amount of a charge method with a relatively high priority is insufficient to cover the electronic money balance, the usage process execution unit 104 executes a withdrawal process so that the charge amount of a charge method with a relatively low priority is used. Assume that the user "Yamada Taro" in FIG. 5 instructs a withdrawal of 3,000 yen. In this case, for the purpose of withdrawal, sales proceeds charge has the highest priority, virtual currency charge has the second highest priority, and card charge has the lowest priority. In this case, since the charge amount of 1,000 yen from the sales proceeds charge is insufficient, the usage process execution unit 104 executes a withdrawal process so that 2,000 yen from the virtual currency charge is used. The charge amount from the card charge is not used in the withdrawal process.

In this embodiment, the usage process execution unit 104 executes, based on priority, a payment process related to a payment using electronic money as the usage process. The payment process is a process of making a payment with the balance of electronic money. The payment process itself can use a known process. For example, the payment process is a process of reducing the balance of electronic money and the store receives an amount corresponding to the reduced amount. The payment process is also called a settlement process.

For example, when the charge amount of a charge method with a relatively high priority is insufficient to cover the electronic money balance, the usage process execution unit 104 executes payment processing so that the charge amount of a charge method with a relatively low priority is used. Suppose that user "Yamada Taro" in FIG. 5 makes a payment of 5,000 yen. In this case, in terms of payment purpose, card charge has the highest priority, sales proceeds charge has the second highest priority, and virtual currency charge has the lowest priority. In this case, the usage process execution unit 104 executes payment processing so that the charge amount of 1,000 yen of virtual currency charge is used, since the combined amount of the card charge of 3,000 yen and the sales proceeds charge of 1,000 yen is not enough.

In this embodiment, the usage process execution unit 104 executes a sending process for sending electronic money as a usage process based on priority. The sending process is a process for sending all or part of the balance of electronic money to another user. The sending process is a process for decreasing the balance of one user's electronic money and increasing the balance of another user's electronic money. The sending process is sometimes called a remittance process, but strictly speaking, it is described as a sending process because cash is not exchanged. The sending process itself can use a publicly known process.

For example, when the charge amount of a charge method with a relatively high priority is insufficient to cover the electronic money balance, the usage process execution unit 104 executes a sending process so that the charge amount of a charge method with a relatively low priority is used. Suppose that user "Yamada Taro" in FIG. 5 sends 3,500 yen to another user. In this case, for the purpose of sending, virtual currency charge has the highest priority, card charge has the second highest priority, and sales proceeds charge has the lowest priority. In this case, since the virtual currency charge amount of 2,000 yen is not enough, the usage process execution unit 104 executes a sending process so that 1,500 yen of card charge is used. The sales proceeds charge amount is not used in the withdrawal process.

As described above, the usage process execution unit 104 executes the usage process for one of the multiple usage purposes based on the priority order associated with that usage purpose. It is assumed that the user specifies which of the multiple usage purposes for which the electronic money is to be used. For example, a usage purpose is specified by selecting each of buttons B14 to B16. The usage process execution unit 104 executes the usage process for the specified usage purpose based on the priority order information associated with the usage purpose specified by the user, so that the charge amount of the charge method with the highest priority order is used preferentially.

In this embodiment, when the charge amount of a charge method with a relatively high priority is insufficient to cover the balance of electronic money, the usage process execution unit 104 executes the usage process so that the charge amount of a charge method with a relatively low priority is used. This is also true when usage processes other than withdrawal processes, payment processes, and transfer processes are executed. For example, when the charge amount of the charge method with the highest priority is equal to or greater than the usage amount, the usage process execution unit 104 executes the usage process using only this charge amount. When the charge amount of the charge method with the highest priority is less than the usage amount, the usage process execution unit 104 executes the usage process so that it is used in combination with the charge amount of the charge method with the second highest priority. Thereafter, the usage process execution unit 104 selects the charge methods in descending order of priority and executes the usage process until the total charge amount reaches the usage amount.

Note that a particular usage process may be configured so that only the charge amount charged using a particular charge method can be used. In this case, the charge methods that can be used are determined in advance for each purpose of use. When executing a usage process for a particular purpose of use, the usage process execution unit 104 identifies the charge method that can be used for this purpose. The usage process execution unit 104 refers to the breakdown of the electronic money balance and executes the usage process so that only the charge amount of the identified charge method can be used.

For example, the amount charged using a credit card's shopping limit cannot be used for withdrawal purposes, while the amount charged using other charging methods can be used for withdrawal purposes. In this case, when executing a usage process for withdrawal purposes (withdrawal process), the usage process execution unit 104 refers to the breakdown of the electronic money balance and executes the usage process so that only the amount charged using charging methods other than the amount charged using the shopping limit is used. If the amount charged using other charging methods is used preferentially, the balance available for withdrawal purposes will be reduced. In this case, the priority of the charging method using the shopping limit among the card charges may be increased so that as much of the balance available for withdrawal purposes as possible remains. This is also true when there are only a limited number of charging methods available for sending purposes, when there are only a limited number of charging methods available for payment purposes, or when there are only a limited number of charging methods available for other purposes.

[3-2. Functions implemented in user terminal]
The data storage unit 200 is realized mainly by the storage unit 22. The display control unit 201 and the operation reception unit 202 are realized mainly by the control unit 21.

[Data storage section]
The data storage unit 200 stores data necessary for the user to use each of the payment service and the card service. For example, the data storage unit 200 stores a payment application and a code ID. The user terminal 20 receives the code ID issued by the payment server 10 and records it in its own data storage unit 200. When the user terminal 20 also receives the expiration date of the code ID, it also records the expiration date in its own data storage unit 200.

[Display control unit]
The display control unit 201 causes an arbitrary screen to be displayed on the display unit 25. For example, the display control unit 201 causes the display unit 25 to display the screens described with reference to Figs. 2 and 3 based on a payment application.

[Operation reception section]
The operation acceptance unit 202 accepts any operation by the user. For example, the operation acceptance unit 202 accepts operations on the screens displayed on the payment application and described with reference to Figs. 2 and 3 .

[4. Processing Executed by the Payment System]
Fig. 6 is a flow diagram showing an example of a process executed in the payment system S. This process is executed by the control units 11 and 21 operating in accordance with the programs stored in the storage units 12 and 22, respectively. Fig. 6 mainly shows, of the processes executed in the payment system S, the process related to the priority order of charge methods.

As shown in FIG. 6, when the payment app is launched, the user terminal 20 executes a login process for logging in to the payment service with the payment server 10, and displays the home screen G1 on the display unit 25 (S1). In the login process of S1, the user may be prompted to input a user ID and password for the payment service, or if the user has already logged in, information indicating this may be recorded in the user terminal 20, and this information may be used to omit the input of the user ID and password. Other authentication methods, such as biometric authentication, may also be used.

When the home screen G1 is displayed on the display unit 25, the user performs any operation using the user terminal 20 (S2). Here, a case will be described in which an operation of selecting button B11, an operation for payment (for example, an operation of selecting a payment destination store from the user terminal 20, an operation of reading a store's code, or an operation of having a store's terminal read code C10), or an operation of selecting icon I12 is performed. When button B11 is selected (S2: menu), the user terminal 20 causes menu M13 to be displayed on the display unit 25 (S3). The user performs any operation from menu M13 (S4). Here, a case will be described in which an operation of selecting one of buttons B14 to B16 is performed.

When button B14 is selected (S4: Send), the user terminal 20 executes a sending process with the payment server 10 based on the priority associated with the sending purpose (S5). When button B15 is selected (S4: Withdraw), the user terminal 20 executes a withdrawal process with the payment server 10 based on the priority associated with the withdrawal purpose (S6). When button B16 is selected (S4: Charge), the user terminal 20 executes a charge process with the payment server 10 (S7).

When a payment operation is read in S2 (S2: payment), the payment server 10 executes a payment process between the user terminal 20 and/or the store terminal based on the priority associated with the payment purpose (S8). When icon I12 is selected (S2: priority), the user terminal 20 displays the designation screen G4 on the display unit 25, accepts the priority designation by the user, and transmits the designation result to the payment server 10 (S9). When the payment server 10 receives the priority designation result (S10), it updates the priority information stored in the payment database DB (S11).

According to the payment system S of this embodiment, the use process for the use of electronic money is executed based on the priority associated with each of the multiple charging methods. As a result, electronic money can be used in the order of priority according to the charging method, which increases the convenience of the user who uses electronic money that can be charged with multiple charging methods. For example, if electronic money is used in the order of the oldest charging date and time, as in the past, the charge amount of the charging method that the user does not want to use may be used first. In this regard, by prioritizing the charging methods, the charge amount of the charging method that the user wants to use can be used preferentially, which increases the convenience of the user. For example, when the charge amount of a charging method that uses a credit card's cash advance limit is used, it may become the subject of repayment of the cash advance or interest may be generated, so by lowering the priority of such charge amount, it is possible to make it difficult to repay the cash advance or generate interest. For example, if a restriction is imposed such that only the charge amount of a specific charging method can be used for withdrawal purposes, the priority of the charging method that can be used for withdrawal purposes can be lowered and the priority of the charging method that cannot be used for withdrawal purposes can be raised, so that the charge amount of the charging method that can be used for withdrawal purposes can be used as little as possible.

Furthermore, the payment system S executes a withdrawal process for withdrawal from electronic money as a usage process based on the priority associated with each of the multiple charge methods. This allows electronic money to be withdrawn in a priority order according to the charge method, improving user convenience when making a withdrawal. For example, when a charge amount of a charge method that uses a cash advance limit is withdrawn, even if it becomes the subject of cash advance repayment or interest accrues, by lowering the priority of such charge amount, it is possible to make it less likely that the cash advance will be repaid or that interest will accrue. For example, if the charge amounts of multiple charge methods can be used for withdrawal purposes, but only some of these charge methods can be used for other purposes, the priority of the charge methods that cannot be used for other purposes can be increased and used preferentially, thereby leaving as much charge amount available for other purposes as possible.

Furthermore, the payment system S executes a payment process for payment using electronic money as a usage process based on the priority associated with each of the multiple charge methods. This allows electronic money to be paid in priority order according to the charge method, improving user convenience when making a withdrawal. For example, when the charge amount of a charge method that uses a cash advance limit is used for payment, even if it becomes the subject of cash advance repayment or interest is generated, by lowering the priority of such charge amount, it is possible to make it less likely that the cash advance will be repaid or that interest will be generated. For example, if the charge amounts of multiple charge methods can be used for payment purposes, but only some of the charge methods can be used for other purposes, the priority of the charge methods that cannot be used for other purposes can be increased and used preferentially, so that as much of the charge amount as possible can be left available for other purposes.

The payment system S also executes a sending process for sending electronic money as a usage process based on the priority associated with each of the multiple charging methods. This allows electronic money to be paid out in the order of priority according to the charging method, improving user convenience when making a withdrawal. For example, when the charge amount of a charging method that uses a cash advance limit is used for payment, even if it becomes the subject of cash advance repayment or interest accrues, by lowering the priority of such charge amount, it is possible to make it less likely that the cash advance will be repaid or that interest will accrue. For example, if the charge amounts of multiple charging methods can be used for sending purposes, but only some of these charging methods can be used for other purposes, the priority of the charging methods that cannot be used for other purposes can be increased and used preferentially, so that as much charge amount as possible can be left available for other purposes.

The payment system S also executes usage processes such as withdrawal processes based on the priority associated with each purpose of use of electronic money. This makes it possible to set different priorities for each purpose of use, improving user convenience.

The payment system S also specifies the priority order designated by the user. This allows the user to designate the priority order according to his/her preference, improving user convenience. For example, when using electronic money on a certain website, if a certain charge method is used, more benefits can be acquired. In this case, the convenience of the user is improved by increasing the priority order of a charge method that allows more benefits to be acquired on a website that the user frequently uses. More specifically, on a shopping mall website, if the card charge amount of a credit card affiliated with the website is used, more benefits can be acquired, and on an online flea market website, if the sales proceeds charge amount is used, more benefits can be acquired. In this case, a user who frequently uses a shopping mall may increase the priority order of card charge to make it easier to acquire benefits, and a user who frequently uses an online flea market may increase the priority order of sales proceeds charge to make it easier to acquire benefits. In this case, the priority order may be specified according to the user's preference.

Furthermore, when the charge amount of a charge method with a relatively high priority is insufficient to cover the electronic money balance, the payment system S executes a usage process so that the charge amount of a charge method with a relatively low priority is used. This allows the charge amount of a charge method with a relatively high priority to be used as much as possible, improving user convenience.

5. Modifications
The present disclosure is not limited to the above-described embodiment, and may be modified as appropriate without departing from the spirit and scope of the present disclosure.

Figure 7 is a diagram showing an example of a functional block in the modified example. The charge history information acquisition unit 105, the first decision unit 106, the second decision unit 107, and the display control unit 108 are realized mainly by the control unit 11.

[5-1. Modification 1]
For example, in the embodiment, a case has been described in which a user specifies the priority order of charge methods, but the method of determining the priority order of charge methods is not limited to the example of the embodiment. In Modification 1, a case will be described in which the priority order is determined based on the history of charge methods used by the user in the past. The payment system S of Modification 1 includes a charge history information acquisition unit 105 and a first determination unit 106.

The charge history information acquisition unit 105 acquires charge history information relating to the history of charge processing. For example, the charge history information acquisition unit 105 acquires charge history information stored in the payment database DB. The charge history information may be stored in another database. The charge history information acquisition unit 105 acquires charge history information when the time to determine the priority arrives. The timing to determine the priority may be any timing. For example, the priority may be determined when a specified date and time arrives, when a user logs in, when there is some access to the payment server 10 from the user terminal 20, when the number of charge attempts reaches a specified number or more, or when the total charge amount reaches a specified amount or more.

The first determination unit 106 determines the priority order based on the charge history information. For example, the first determination unit 106 determines the priority order such that the more times a certain charge method is charged, the higher the priority order of that charge method. The first determination unit 106 determines the priority order such that the more frequently a certain charge method is charged, the higher the priority order of that charge method. The first determination unit 106 determines the priority order such that the more the charge amount of a certain charge method is, the higher the priority order of that charge method. In this way, the charge amount of a frequently used charge method can be used sooner. The first determination unit 106 updates the priority order information based on the priority order determination result.

Conversely to the above, the first determination unit 106 may determine the priority order such that the lower the number of times a certain charging method is charged, the higher the priority order of that charging method. The first determination unit 106 may determine the priority order such that the lower the charging frequency of a certain charging method, the higher the priority order of that charging method. The first determination unit 106 may determine the priority order such that the lower the charging amount of a certain charging method, the higher the priority order of that charging method. In this way, the charge amount of a charging method that is not used often can be used sooner.

The identification unit 103 identifies the priority determined by the first determination unit 106. This differs from the embodiment in that the priority is determined by the first determination unit 106, but the identification unit 103 identifies the priority by acquiring priority information, as described in the embodiment.

According to variant 1, the priority is determined based on charge history information. This increases user convenience since the priority is determined according to the user. It also reduces the operational burden on the user since the user does not have to specify the priority by himself/herself.

[5-2. Modification 2]
For example, as described in the embodiment, the multiple charging methods may include a charging method using a credit card. A charging method using a credit card is a charging method using at least one of the shopping limit and cash advance limit of a credit card. When a user has multiple credit cards, the charging process execution unit 102 can execute a charging process based on each of the multiple credit cards. In the example of FIG. 2, the user can select any one of "credit card X" and "credit card Y" registered by the user in the payment app and charge electronic money.

In variant 2, a priority is associated with each credit card. In the example of FIG. 2, the priority of the charge method using "credit card X" and the priority of the charge method using "credit card Y" are set separately. When the user specifies the priority himself/herself as in the embodiment, the user specifies the priority of "credit card X" and the priority of "credit card Y" separately.

When the priority is determined based on charge history information as in variant example 1, the first determination unit 106 determines the priority of "credit card X" and the priority of "credit card Y" based on the user's charge history information. For example, if the number of charge times using "credit card X" is greater than the number of charge times using "credit card Y", the priority of "credit card X" will be higher than the priority of "credit card Y". The same applies when a user can use three or more credit cards to charge electronic money.

The identification unit 103 identifies the priority associated with each of the multiple credit cards. This differs from the embodiment in that a priority is associated with each credit card, but the identification unit 103 identifies the priority by acquiring priority information, as described in the embodiment.

The usage process execution unit 104 executes the usage process based on the priority associated with each of the multiple credit cards. This differs from the embodiment in that a priority is associated with each credit card, but the usage process execution unit 104 executes the usage process based on the priority, as described in the embodiment.

According to the second variant, a priority is associated with each credit card, and usage processing is carried out based on the priority associated with each of the multiple credit cards. This increases convenience for users who hold multiple credit cards. For example, when it is possible to charge using a credit card's cash advance limit and interest accrues according to the amount used, the total amount of interest can be reduced by raising the priority of the credit card with the lower interest. For example, when a campaign is running in which users are given some kind of benefit when they use the amount of a charge to a specific credit card, raising the priority of this credit card makes it easier for the user to obtain the benefit.

[5-3. Modification 3]
For example, electronic money may include multiple types of balances. In the third modification, a case will be described in which electronic money includes a premium balance and a basic balance. The electronic money information includes information indicating the premium balance and information indicating the basic balance.

The premium type balance is an example of a first balance. The basic type balance is an example of a second balance. Therefore, any reference to the premium type balance can be read as the first balance. Any reference to the basic type balance can be read as the second balance. Electronic money may have three or more balances. The home screen G1 displays the sum of the first balance and the second balance, but each balance may be displayed separately.

The first balance is a balance that is increased by a first charge method that is one of multiple charge methods that the user can select. The first balance may be a balance that is increased only by one charge method, or a balance that is increased by multiple charge methods. For example, the first balance may be increased by a charge method that utilizes sales proceeds, virtual currency, or a cash advance limit.

The first balance may be used for any purpose. For example, the first balance may be used for payment purposes, transfer purposes, and withdrawal purposes. When a user sends part or all of the first balance to another user, the first balance of the other user increases. If a specific application is required to hold the first balance and the other user has not applied, when a user sends part or all of the first balance to another user, the second balance of the other user may increase. That is, part or all of the user's first balance may be converted into a second balance and then sent to the other user.

The second balance is a balance that is increased by a second charge method other than the first charge method, among multiple charge methods that the user can select. For example, the second balance is a balance that is increased by a charge method that uses a credit card's shopping limit. The second balance may be a balance that is increased only by this charge method, or may also be increased by other charge methods. For example, the second balance may be increased by a charge method that uses points held by the user.

The second balance can be used for any purpose. For example, the second balance can be used for payment purposes and sending purposes. However, when a user sends part or all of the second balance to another user, the second balance of the other user increases, not the first balance. In this embodiment, the second balance cannot be used for withdrawal purposes. Therefore, other users who receive part or all of the second balance of a user cannot use it for withdrawal purposes. This makes it possible to prevent the use of a credit card's shopping limit to convert it into cash.

In variant 3, a priority is set for each electronic money balance. For example, a priority is set separately for premium balances and basic balances. When the user specifies the priority himself, as in the embodiment, the user specifies the priority for premium balances and the priority for basic balances separately. When the priority is determined based on charge history information, as in variant 1, the first determination unit 106 determines the priority for premium balances based on charge history information for premium balances. The first determination unit 106 determines the priority for basic balances based on charge history information for basic balances. The same applies when there are three or more electronic money balances.

The identification unit 103 identifies a priority associated with the type of balance to be used in the usage process, among multiple balances. This differs from the embodiment in that a priority is associated with each balance, but as explained in the embodiment, the identification unit 103 identifies the priority by acquiring priority information. The priority between premium balances and basic balances may be specified in advance or by the user. For example, premium balances may be preferentially used.

The usage process execution unit 104 executes the usage process for one of the multiple balances based on the priority of the balance. This differs from the embodiment in that a priority is associated with each balance, but the usage process execution unit 104 executes the usage process based on the priority, as described in the embodiment.

According to variant 3, a priority is set for each balance of electronic money, and the process of using any of the multiple balances is executed based on the priority of that balance. This improves convenience for users when electronic money includes multiple balances. For example, by increasing the priority of a charge method that uses a credit card's shopping limit, the basic balance can be used preferentially. For example, by lowering the priority of a charge method that uses a credit card's shopping limit, interest can be made less likely to accrue.

[5-4. Modification 4]
For example, when the recharge amounts of a plurality of recharge methods are mixed in the balance of electronic money, the priority order may be determined based on the individual recharge amounts. For example, in the case of user "Yamada Taro" in FIG. 5, of the balance of 6000 yen, the recharge amount of card recharge, the recharge amount of sales proceeds recharge, and the recharge amount of virtual currency recharge are 3000 yen, 1000 yen, and 2000 yen, respectively. In this case, the priority order may be the highest for card recharge, the second for virtual currency recharge, and the lowest for sales proceeds recharge. The payment system S of the fourth modification includes a second determination unit 107.

The second determination unit 107 determines the priority order based on the charge amount of each of a plurality of charging methods out of the balance of electronic money. For example, the second determination unit 107 determines the priority order such that the greater the charge amount of a certain charging method, the higher the priority order of this charging method. The charge amount of a certain charging method is the total amount of charges made using this charging method out of the balance of electronic money. In this case, the charge amount of a charging method with a larger charge amount can be used sooner. Conversely, the second determination unit 107 may determine the priority order such that the smaller the charge amount of a certain charging method, the higher the priority order of this charging method. In this case, the charge amount of a charging method with a smaller charge amount can be used sooner.

The identification unit 103 identifies the priority determined by the second determination unit 107. This differs from the embodiment in that the priority is determined by the second determination unit 107, but the identification unit 103 identifies the priority by acquiring priority information, as described in the embodiment.

According to variant 4, the priority is determined based on the charge amount of each of the multiple charge methods from the electronic money balance. This increases user convenience since the priority is determined according to the charge amount of each individual charge method. Since the user does not have to specify the priority himself, the operational burden on the user is also reduced.

[5-5. Modification 5]
For example, the charge amount of each charge method out of the balance of electronic money may be displayed on the payment app. The payment system S includes a display control unit 108. The display control unit 108 displays the charge amount of each of the multiple charge methods out of the balance of electronic money on the display unit 25. In the fifth modification, since the display control unit 108 is realized in the payment server 10, the display control unit 108 transmits display data of a screen showing the charge amount of each charge method to the user terminal 20, thereby displaying the charge amount on the display unit 25.

Figure 8 is a diagram showing an example of a screen displayed on the user terminal 20 in variant example 5. For example, the display control unit 108 refers to the breakdown of the electronic money information and identifies the charge amount for each charge method. The display control unit 108 causes the charge amount for each identified charge method to be displayed in the menu M13 of the home screen G1. The display control unit 108 may also cause the charge amount for each charge method to be displayed on any other screen, such as the home screen G1. The charge amount may be indicated by any image, and may be other images, such as icons, rather than text showing numbers as in Figure 8.

According to variant 5, the charge amount for each of a plurality of charge methods is displayed on the display unit 25 out of the electronic money balance. This allows the user to easily understand the charge amount for each charge method. For example, if a campaign is being implemented in which a user can obtain a special benefit by using the charge amount of a specific charge method, the user can easily understand whether or not there is a sufficient charge amount for this charge method.

[5-6. Modification 6]
For example, in the embodiment, a case has been described in which the charge amount of a charging method with a relatively high priority is used until it reaches 0, but the charge amount of a charging method with a relatively high priority does not have to be used until it reaches 0. The usage process execution unit 104 may execute the usage process so that, of the electronic money balance, the charge amount of a charging method with a relatively high priority is used more than the charge amount of a charging method with a relatively low priority. In other words, rather than using all of the charge amount of a charging method with a relatively high priority, some may be left so that the charge amount of a charging method with a relatively low priority can be used.

Taking the user "Yamada Taro" in Figure 5 as an example, of the 6,000 yen balance, the card charge, sales proceeds charge, and virtual currency charge are 3,000 yen, 1,000 yen, and 2,000 yen, respectively. For example, assume that sales proceeds charge has the highest priority, virtual currency charge has the second highest priority, and card charge has the lowest priority.

In the above example, let us say that the user has used 5,000 yen out of the balance of 6,000 yen. In this case, the entire 1,000 yen, which is the charge amount of the sales proceeds charge, which has the highest priority, may not be used, but only a portion of it. For example, only 900 yen of the sales proceeds charge may be used. The remaining 4,100 yen of the 5,000 yen used may be used from virtual currency charge and card charge. For example, 1,700 yen of the virtual currency charge may be used, and 2,400 yen of the card charge may be used. In this case, 900 yen, 11,700 yen, and 2,400 yen are used in descending order of priority. The amount used itself is greater for the relatively lower priority, but the ratio of the amount used to the charge amount is higher for the relatively higher priority, so the charge amount of the charge method with the relatively higher priority is used preferentially.

According to the sixth variant, the usage process is executed so that the charge amount of the charge method with a relatively high priority is used more than the charge amount of the charge method with a relatively low priority. This allows the charge amount of the charge method with a relatively high priority to be used as much as possible.

[5-7. Other Modifications]
For example, the above-described modifications may be combined.

For example, while the case where a user uses a payment service from a payment app has been described, the medium for providing the payment service may be any medium and is not limited to a payment app. For example, the payment service may be provided using a browser on the user terminal 20, an IC chip on the user terminal 20, or an IC card owned by the user. For example, the priority may be common to multiple usage processes.

For example, the functions described as being realized by the payment server 10 may be realized by another server computer. For example, the functions described as being realized by the payment server 10 may be shared among multiple computers. Each function may be realized by at least one computer.

S payment system, N network, 10 payment server, 11, 21 control unit, 12, 22 storage unit, 13, 23 communication unit, 20 user terminal, 24 operation unit, 25 display unit, G1 home screen, G2 charge screen, G3 confirmation screen, G4, G4A, G4B, G4C designation screen, 100 data storage unit, 101 designation acceptance unit, 102 charge processing execution unit, 103 identification unit, 104 usage processing execution unit, 105 charge history information acquisition unit, 106 first decision unit, 107 second decision unit, 108 display control unit, 200 data storage unit, 201 display control unit, 202 operation acceptance unit, C10 code, DB payment database, F20, F40 input form, I12 icon, M13 menu, B11, B14, B15, B16, B21, B30 button.

Claims (15)

a charge processing execution unit that executes a charge processing related to a user's payment means based on a charge method selected from a plurality of charge methods;
an identification unit that identifies a priority order indicating which charge method's charge amount should be used first from among the balance of the payment means in which the charge amounts of the plurality of charge methods are mixed;
a usage process execution unit that executes a usage process related to the usage of the payment means based on the priority order;
Payment systems including. the usage process execution unit executes, as the usage process, a withdrawal process related to a withdrawal from the payment means based on the priority order.
The payment system according to claim 1. the use processing execution unit executes, as the use processing, a payment processing related to a payment using the payment means based on the priority order.
3. A payment system according to claim 1 or 2. The use process execution unit executes, as the use process, a sending process for sending the payment means based on the priority order.
A payment system according to any one of claims 1 to 3. The payment method can be used for multiple purposes;
The priority order is associated with each of the purposes of use;
The identification unit identifies the priority order associated with the purpose of use of the payment instrument,
the utilization process execution unit executes the utilization process for any one of the plurality of utilization purposes based on the priority order associated with the utilization purpose.
A payment system according to any one of claims 1 to 4. The payment system further includes a reception unit that receives designation of the priority order by the user,
The specification unit specifies the priority order designated by the user.
A payment system according to any one of claims 1 to 4 . The payment system includes:
A charge history information acquisition unit that acquires charge history information relating to the history of the charge process;
A first determination unit that determines the priority order based on the charge history information;
Further comprising:
The identification unit identifies the priority order determined by the first determination unit.
A payment system according to any one of claims 1 to 4 . The plurality of charging methods includes a charging method using a credit card,
the charge processing execution unit is capable of executing the charge processing based on each of the plurality of credit cards when the user holds a plurality of credit cards;
A priority order is associated with each of the credit cards;
The identification unit identifies the priority order associated with each of the plurality of credit cards;
the transaction execution unit executes the transaction based on the priority order associated with each of the plurality of credit cards.
A payment system according to any one of claims 1 to 4 . The payment instrument includes a plurality of types of balances,
The priority order is determined for each of the balances,
the identification unit identifies the priority order associated with the type of balance to be used in the usage process, among the multiple types of balance;
the utilization process execution unit executes the utilization process for any of the plurality of types of balances based on the priority order of the balances;
A payment system according to any one of claims 1 to 4 . The payment system further includes a second determination unit that determines the priority order based on a charge amount of each of the plurality of charge methods out of the balance of the payment means,
The identification unit identifies the priority order determined by the second determination unit.
A payment system according to any one of claims 1 to 4 . The payment system further includes a display control unit that causes a display unit to display the charge amount of each of the plurality of charge methods out of the balance of the payment means.
A payment system according to any one of claims 1 to 10. the utilization process execution unit executes the utilization process in such a way that, when the charge amount of the charge method having the relatively high priority is insufficient to cover the balance of the payment means, the charge amount of the charge method having the relatively low priority is utilized.
A payment system according to any one of claims 1 to 11. the utilization process execution unit executes the utilization process such that, of the balance of the payment means, a charge amount of the charge method having a relatively high priority is utilized more than a charge amount of the charge method having a relatively low priority.
A payment system according to any one of claims 1 to 12. a charge processing execution step of executing a charge processing related to a payment means of the user based on a charge method selected from a plurality of charge methods;
a step of determining a priority order indicating which charge method's charge amount is to be used first from among the balance of the payment means in which the charge amounts of the plurality of charge methods are mixed;
a usage process execution step of executing a usage process related to the usage of the payment means based on the priority order;
How to use payment methods, including: a charge processing execution unit that executes a charge processing related to a user's payment means based on a charge method selected from a plurality of charge methods;
an identification unit that identifies a priority order indicating which charge method's charge amount is to be used first from among the balance of the payment means in which the charge amounts of the plurality of charge methods are mixed;
a usage process execution unit that executes a usage process related to the usage of the payment means based on the priority order;
A program that makes a computer function as a

Images