TW202338636A - Payment system, method of charging payment means, and program - Google Patents

Abstract

To motivate users to use cash advance entitlements of credit cards. A card information acquisition unit (101, 201) of a payment system (S) acquires card information of a credit card of a user. A charge request reception unit (102) receives a charge request for payment means of the user. Upon receipt of the charge request, a charge processing execution unit (103) executes charge processing using a cash advance entitlement of the credit card shown by the card information.

Description

Checkout systems, value-adding methods for checkout methods, and program products

This disclosure relates to checkout systems, value-adding methods for checkout methods, and program products.

Previously, a checkout system that performs value-added processing on a checkout means such as electronic money has been known. Patent Document 1 describes a system that can add value to the electronic money stored in the user's IC card based on a plurality of value-adding methods. The cash advance service of a credit company is used to add value to the IC card. Technology for adding value to electronic currency. [Prior technical literature] [Patent Document]

[Patent Document 1] Japanese Patent Application Publication No. 2002-73973

[Problem to be solved by the invention]

The inventors have conducted internal research on using the cash advance limit of a credit card to add value to a settlement method such as electronic money, thereby giving users an incentive to use the cash advance limit. However, the technology of Patent Document 1 only uses the cash advance service of a credit company to add value to electronic money and does not use the cash advance limit of a credit card, so there is no incentive to use the cash advance limit.

One purpose of this disclosure is to give users an incentive to utilize their credit card's cash advance limit. [Means used to solve problems]

The checkout system described in this disclosure includes: a card information acquisition unit, which obtains card information about the user's credit card; and a value-added request acceptance unit, which obtains the above-mentioned value-added information about the user's checkout method. The request is accepted; and the value-added processing execution department, when the aforementioned value-added request has been accepted, uses the cash advance limit of the aforementioned credit card to execute the value-added processing of the aforementioned checkout method based on the aforementioned card information. . [Effects of the invention]

If the present disclosure is followed, the user may be given an incentive to utilize the cash advance limit of the credit card.

[1. Overall structure of the checkout system]

An example of an implementation form of the checkout system described in the present disclosure will be described. FIG. 1 is a diagram illustrating an example of the overall configuration of the checkout system. The checkout system S includes a checkout server 10, a card server 20, and a user terminal 30. These are networks N that can be connected to the Internet, etc. The checkout system S only needs to include at least one computer, and is not limited to the example in Figure 1.

The checkout server 10 is a server computer of a provider that provides checkout services to users. Checkout service refers to services related to electronic checkout. Electronic checkout is sometimes called cashless checkout. The control unit 11 includes at least one processor. The memory unit 12 includes a volatile memory such as 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 card server 20 is the server computer of the card company that issued the user's credit card. The physical structure of the control part 21, the memory part 22, and the communication part 23 can be the same as the control part 11, the memory part 12, and the communication part 13 respectively.

The user terminal 30 is the user's computer. For example, the user terminal 30 is a smart phone, a tablet terminal, a wearable terminal, or a personal computer. The physical structure of the control part 31, the memory part 32, and the communication part 33 can be the same as the control part 11, the memory part 12, and the communication part 13 respectively. The operation unit 34 is an input device such as a touch panel. The display unit 35 is a liquid crystal display or an organic EL display.

In addition, the programs stored in each of the checkout server 10, the card server 20, and the user terminal 30 can also be provided through the network N. In addition, the program stored in the information storage medium can also be used to read the information storage medium that can be read by a computer (such as a CD drive or a memory card slot), or can be used to communicate with an external machine. The input and output parts (such as USB ports) required for data input and output are provided.

[2. Overview of the checkout system] In this embodiment, the case where the user uses the checkout service from the checkout application is taken as an example. The checkout application is an application provided by the provider of the checkout service. The checkout application is installed on the user terminal 30. The checkout methods that can be used in the checkout service can be of any type. For example, electronic money, points, credit cards, charge cards, bank accounts, electronic wallets, or virtual currencies may be utilized as checkout means. Checkout means are sometimes called payment means. Codes such as barcodes or QR codes sometimes also serve as checkout methods. The checkout method may be any method used in electronic checkout.

FIG. 2 is an illustration of an example of a screen displayed on the user terminal 30 . For example, once the checkout application of the user terminal 30 is launched, the login processing required for the user to log in to the checkout service is performed. In this embodiment, it is assumed that the user has already logged in to the checkout service. For example, the user enters the user ID and password in the checkout service. Once the login process is successful, the main screen G1 of the checkout application is displayed on the display unit 35 .

The main screen G1 is displayed with a code C10 including a code ID that can be used to identify the user in the checkout service. Code ID is information different from user ID. The checkout server 10 issues code IDs in a manner that does not duplicate the code IDs of other users. The code ID can be updated at any time. For example, the code ID is updated when the checkout application is activated, when the main screen G1 is displayed, when the validity period of the code ID has expired, or when the user performs a predetermined operation.

In the example of FIG. 2 , both the barcode and the QR code are displayed as code C10, but code C10 itself may be any code. For example, only one of the barcode or the QR code may be displayed as the code C10. For example, once the code C10 is read by the terminal of the store visited by the user, checkout processing will be performed based on the checkout method set by the user as the payment source.

In this embodiment, the case where the payment source is electronic money is taken as an example. In the example in Figure 2, the online electronic currency "AAA Electronic Cash" provided by the checkout service provider "AAA Payment" is the payment source. For example, once the code C10 is read with a terminal of a store, checkout processing is performed so that the balance of electronic money is reduced by a predetermined amount. As for the checkout process itself, known processes can be used. Code C10 can be read by any terminal such as a vending machine in addition to the terminal in the store.

In addition, the checkout methods available to users from the checkout application are not limited to those using code C10. For example, a checkout method using the user terminal 30 to read the code displayed on the store, a checkout method using the user terminal 30 to read the code displayed on the terminal of the store, or simply by using Any of these checkout methods are completed by operating the terminal 30.

For example, when the user selects the button B11, the electronic money menu M12 is displayed on the display unit 35. In this embodiment, there are two types of electronic money balances: an advanced type balance and a basic type balance. These balances are displayed in menu M12. Details of these balances are described later. In menu M12, various operations related to electronic money can be performed. This embodiment describes a process in which the user selects button B13 of menu M12 to add value to electronic money. For example, when the user selects button B13, the bonus screen G2 is displayed on the display unit 35. For example, the user enters the recharge amount in the input form F20.

In this embodiment, a plurality of value-adding methods are prepared. The so-called value-adding method refers to the type of settlement method used for adding value to electronic money. For example, assuming that top-up can be done from credit cards, debit cards, points, and bank accounts, there are at least 4 top-up methods. When a user holds multiple credit cards, the recharge method refers to the type of credit card. When there are plural points that can be added to electronic money, the method of adding value means the type of points.

The value-added screen G2 is displayed with a button B21 indicating the value-added method that the user can select. The user selects any of a plurality of value-adding methods by selecting button B21. In the example in Figure 2, the user has logged in two credit cards, "Credit Card X" and "Credit Card Y", to the checkout application. Users can use either of these two credit cards to add value to their electronic money. In addition, you can also choose a method of adding value, such as adding value from the sales of the flea market service "BBB Market" that cooperates with the checkout service.

In this embodiment, the user can use the cash advance limit of "Credit Card X" to top up the balance of the advanced model. In the following, the top-up method that utilizes the cash advance limit will be called advanced top-up. The so-called cash advance limit is the limit when borrowing cash using the cash advance function of a credit card. Previously, a top-up method using the consumption limit of a credit card has been used, but in this embodiment, an advanced top-up method using a cash advance limit can be used.

For example, "Credit Card X" is a credit card issued by the card company "AAA Card" that cooperates with the checkout service provider "AAA Payment". "Credit Card Y" is a credit card issued by another card company. In this embodiment, it is assumed that "Credit Card Y" does not support advanced added value, but credit cards from other card companies can also support advanced added value.

For example, when the user selects the button B21 indicating the advanced premium, the web page P3 of "AAA Card" is displayed on the display unit 35 . In this embodiment, the card server 20 is managed by a card company of "AAA card" that can carry out advanced value-added. Web page P3 is a page for card services provided by the card company. It is assumed that the user has also completed the usage login of the card service. When accessing the web page P3, the login process required for logging into the card service can also be performed.

On the web page P3, information such as the utilization limit of the cash advance limit of "Credit Card X", the amount that can be borrowed, the recharge amount, and the payment method are displayed. In the example of Figure 3, the user has not yet utilized the cash advance limit, so the utilization limit and the borrowable amount are the same. Once the user selects button B30, an advanced bonus will be performed. Advanced top-ups are achieved using the usual cash advance mechanism.

For example, in a normal cash advance, cash of a designated borrowing amount within the range of the borrowable amount is transferred to the user's bank account, or withdrawn from an ATM, or the like. On the other hand, in advanced top-up, the transfer or discharge of cash is replaced, and the specified top-up amount within the range of the borrowable amount is added to electronic money. Since users do not have to go to an ATM to withdraw cash, they can immediately use the electronic money that has been recharged with advanced recharge. Users can also take advantage of advanced top-ups by logging into card services directly, not from the checkout app.

Figure 3 is an illustration of an example of a card company's web page. Once the user logs into the card service, the web page P4 of the card service is displayed on the display unit 35 . In the card company's web page P4, you can make use of various services provided by the card company. For example, services such as confirmation of available amount, adjustment of payment amount, confirmation of login information, or change of login information can be used from web page P4.

For example, when the user selects the button B40 required to utilize the cash advance service, the web page P5 is displayed on the display unit 35 . Cash advance service is a service that uses the cash advance limit of a credit card to borrow money. Once the user selects buttons B50 and B51, a screen required to utilize the aforementioned normal cash advance service is displayed. For example, once the user specifies a borrow amount from this screen, cash will be transferred to the user's bank account.

The advanced value-added in this embodiment is a type of cash advance service. For example, when the user selects button B52, the same web page P3 as in FIG. 2 is displayed on the display unit 35. The designation of the recharge amount can also be accepted from the web page P3, and the designation of the recharge amount can also be accepted on the page displayed during the migration from the web page P5 to the web page P3. Once the user selects button B30, an advanced bonus will be performed.

Once the checkout application is started after the advanced recharge is performed, the balance of the electronic money after adding the recharge amount due to the advanced recharge is displayed, as shown in the main screen G1 of FIG. 3 . In the example in Figure 3, since the cash advance limit of "Credit Card

Through the advanced top-up, the cash advance limit has been consumed by 5,000 yen, so the user's available borrowing amount is reduced from 100,000 yen to 95,000 yen. If the user repays the 5,000 yuan amount, the borrowable amount will return to 100,000 yuan. Also in the case of performing advanced top-up from the checkout application as shown in Figure 2, the same main screen G1 as Figure 3 is displayed. As mentioned above, in this embodiment, the user can be given an incentive to utilize the cash advance limit through advanced top-up. The details of the checkout system S are explained below.

[3. Functions implemented in the checkout system] Figure 4 is a functional block diagram of an example of functions implemented in the checkout system.

[3-1. Functions implemented in the checkout server] The data storage unit 100 is mainly implemented by the storage unit 12 . The card information acquisition unit 101, the value-added request accepting unit 102, and the value-added processing execution unit 103 are mainly implemented by the control unit 11.

[Data Storage Department] The data storage unit 100 stores the data required to provide checkout services to the user. For example, the data storage unit 100 stores the settlement database DB1.

FIG. 5 is a diagram showing an example of the checkout database DB1. As shown in FIG. 5 , the checkout database DB1 is a database that stores information about users in the checkout service. For example, the checkout database DB1 stores: user ID, password, name, code ID, validity period, payment source information, card information, electronic money information, bank account information, usage history information, and recharge history. information. The information stored in the checkout database DB1 can be any information about the user, and is not limited to the example in Figure 5 .

User ID is an example of user identification information that can identify the user. User identification information can be any information, and can also be, for example, information called a user account, email address, or phone number. For example, user identification information is text, numbers, other symbols, or a combination of these. User ID and password are used to log in to the checkout service.

In this embodiment, not only the user ID but also the code ID is information that can be used to identify the user, so the code ID is also equivalent to the user identification information. Code C10 only needs to contain certain user identification information. Code C10 may also include not only the code ID, but also other user identification information such as user ID. The validity period is the time after the predetermined time from when the code ID is issued. The validity period can be any length, for example, it can be about 1 minute to about 1 hour, or it can be about several hours to several days. For the code ID, the validity period does not need to be set.

Payment source information is information that can be used to identify the checkout method that has been set as the payment source. For example, when electronic money has been set as the payment source, the payment source information may also be an electronic money ID that can identify the electronic money. For example, in the case where a credit card has been set as the payment source, the payment source information may also be the credit card number. Card information is information about the user's credit card. For example, card information includes card number, validity period, and nominee. Users can log in multiple credit cards.

Electronic money information is information about the user's electronic money. For example, electronic money information includes information indicating the balance of electronic money. In this embodiment, the electronic money includes an advanced type balance that can be topped up using a cash advance limit, and a basic type balance that can be topped up using a credit card's consumption limit. Therefore, the electronic money information includes information indicating the balance of the advanced type and information indicating the balance of the basic type.

The advanced balance is an example of the first balance. The balance of the basic type is an example of the second balance. Therefore, where the balance of the advanced type is written, it can be replaced with the first balance. Where the balance of the basic type is recorded, it can be replaced with the second balance. In addition, the electronic money may not be divided into the first balance and the second balance, or may have only one balance. Electronic money can also have more than 3 types of balances. Although the total of the first balance and the second balance is displayed on the main screen G1, each balance may be displayed separately.

The first balance is the balance increased through advanced top-up. The first balance may be a balance that can be increased only by advanced top-up, but in this embodiment, it is explained that the first balance is a balance that can be increased by other top-up methods. For example, you can also use a method of adding value to the sales of flea market services (hereinafter referred to as sales value-added), or a method of adding value to virtual currency traded in financial services (hereinafter referred to as virtual currency). Add value) to increase the first balance.

The first balance can be used for any purpose. For example, the first balance can be used for the purpose of making payment at a store (hereinafter referred to as the payment purpose), the purpose of transferring part or all of the balance to other users (hereinafter referred to as the transfer purpose), and the purpose of transferring the balance to another user (hereinafter referred to as the transfer purpose). The user's bank account is used for the purpose of withdrawing money. When a user transfers part or all of the first balance to another user, the other user's first balance will increase. In order to keep the first balance, it is necessary to make a predetermined application and other users have not made the application. If the user transfers part or all of the first balance to other users, other users can also use it. The person's 2nd balance increases. That is, part or all of the user's first balance can be converted into the second balance first and then transferred to other users.

The second balance is a balance increased by a top-up method using the consumption limit of the credit card (hereinafter referred to as consumption top-up). The second balance may be a balance that can be increased only by adding value through consumption. However, in this embodiment, it is explained that the second balance is a balance that can be increased by other methods of adding value. For example, the second balance may be increased by a value-added method using 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 remittance purposes. However, when a user transfers part or all of the second balance to another user, not the other user's first balance but the second balance will be increased. In this embodiment, it is assumed that the second balance cannot be used for withdrawal purposes. Therefore, other users who have received part or all of the user's second balance cannot use it for the purpose of withdrawing money. This prevents the consumption limit of your credit card from being converted into cash.

In this embodiment, the electronic money information includes information indicating the details of the balance. Details are information on the added value that constitutes the balance. For example, as details, the electronic money information includes: recharge date and time, recharge method information on the recharge method, and unused portion of the recharge amount. When the balance of electronic money only includes the amount of added value for a certain one-time top-up, the details of the balance indicate the amount of added-value for one time of top-up. When the balance of the electronic money includes the amount of added value in each of the plural times of added value, the details of the balance indicate the amount of added value in each of the plural times of added value.

Taking the user "Taro Yamada" in Figure 5 as an example, the balance of the advanced type is 3,500 yen. The details are due to the advanced value-added at 11:23:50 on November 1, 2021. The amount of 2,000 yuan, and the amount of 1,500 yuan due to the sales recharge carried out at 19:25:42 on November 5, 2021. In this state, if a premium recharge of 1,000 yuan is made at 14:06:45 on November 10, 2021, the balance of the premium type will become 4,500 yuan. As a breakdown of the balance of 4,500 yen, the amount of 1,000 yen due to the advanced top-up performed at 14:06:45 on November 10, 2021 was added. The same applies to the balance of the basic type, and there are details of the balance.

In this embodiment, the balance of the electronic money is used in order from the earlier recharge date. Even if there is both an advanced type balance and a basic type balance, the advanced type balance will be used with priority. The balance of the electronic money can be used based on a predetermined priority, and the priority is not limited to the example of this embodiment. For example, the priority can be specified arbitrarily by the user, or the higher the frequency of value-adding, the higher the priority.

Taking the user "Taro Yamada" in Figure 5 as an example, when the amount of 1,500 yen is used for payment purposes, the balance of the advanced type, that is, the balance of 3,500 yen is used with priority. Furthermore, among the balance of 3,500 yen, the amount of 2,000 yen due to the advanced recharge performed at 11:23:50 on November 1, 2021, the earliest recharge date, is the amount of 2,000 yen. be prioritized. The amount of payment of 1,500 yen is sufficient to rely solely on the 2,000 yen amount due to the advanced value-added, so the 1,500 yen amount due to the sales value-added system will not be used. After the amount of 1,500 yen is used for the payment purpose, the balance of the premium type becomes 2,000 yen. The details of the 2,000 yen include the remaining 500 yen that became a premium premium and the 1,500 yen that became the sales premium.

In the above example, if the amount of 3,000 yen is used for payment purposes, the amount of 2,000 yen due to the advanced bonus will be insufficient. In this case, not only the premium premium amount but also the sales premium premium amount will be used together. In the payment of the amount of 3,000 yen, the entire amount of 2,000 yen resulting from the advanced value-added and 1,000 yen from the 1,500 yen amount resulting from the sales value-added will be used. After the amount of 3,000 yen is used for the payment purpose, the premium balance becomes 500 yen. The details of the 500 yuan are the remaining 500 yuan that become only the sales bonus. Since the bonus amount of the advanced bonus has been fully used, it will disappear from the details.

If the balance of the advanced type alone is insufficient, the balance of the basic type will also be used. This also applies when the balance is used for purposes other than payment purposes. However, the balance of the basic type cannot be used for the purpose of withdrawing money, so for the purpose of withdrawing money, it can only be used within the scope of the balance of the advanced type. Since the balance of the basic type also has details, the added value in each detail is used sequentially in order of priority.

Bank account information is information about the bank account designated by the user. For example, bank account information includes the name of the financial institution, branch name, account number, and nominee. This bank account is the transfer destination when the advanced balance is used for withdrawal purposes. The balance of the advanced type can also be withdrawn from accounts at financial institutions other than banks. Alternatively, withdrawals can be made, for example, not from an account, but by withdrawing cash from an ATM.

Usage history information is information about the user's usage history of the checkout service. Usage history information includes information corresponding to the purpose of use including checkout methods. For example, if it is for payment purposes, the usage history information includes the usage date and time, the usage store, and the usage amount. If it is for the purpose of remittance, the usage history information includes the date and time of use, the user to whom the remittance was made, and the usage amount. If it is for the purpose of withdrawing funds, the usage history information includes the date and time of usage, the bank account from which the funds have been withdrawn, and the usage amount. Each time the user uses the checkout service, the user's usage history information is updated. Usage history information may also include information that allows you to identify which part has been used in the balance details of the electronic money. That is, the usage history information may also include information indicating how much of the value-added method was used and how much of the value-added value was used. Therefore, the usage history information may also include value-added method information.

The value-added history information is information about the history of adding value to electronic money. For example, the recharge history information includes: the recharge date and time of the electronic currency, the recharge method, and the recharge amount. Each time the user recharges electronic currency, the user's recharge history information is updated. The information has been stored in the past recharges of the recharge history information. If there is any remaining recharge, the information is stored as the details of the electronic money information. The information stored in the checkout database DB1 is not limited to the example in Figure 5 and can be any information. For example, if a bank account or points can be used as a checkout method, the information about the bank account or points will be stored in the checkout database DB1.

[Card Information Acquisition Department] The card information acquisition unit 101 acquires card information about the user's credit card. In this embodiment, since the card information is stored in the checkout database DB1, the card information acquisition unit 101 refers to the checkout database DB1 and obtains the user's card information. For example, the card information acquisition unit 101 acquires the card information associated with the user identification information of the user who has logged in to the checkout service from the checkout database DB1. In this embodiment, based on the card information acquired by the card information acquisition unit 101, the button B21 of the recharge screen G2 is displayed. The card information acquisition unit 101 only needs to acquire the card information of the user who is logging in to the checkout service. The card information acquisition unit 101 may acquire the card information associated with the user ID of the user who requested the top-up after the top-up request is accepted.

[Value-added Request Acceptance Department] The value-added request acceptance unit 102 accepts the user's request for value-added electronic money. Top-up requirements are the requirements for adding value to electronic currency. Requests for added value are made by sending data in a prescribed form. For example, the recharge request includes: user identification information such as user ID, recharge method identification information that can identify the recharge method, and the recharge amount specified by the user. The value-added request accepting unit 102 accepts the value-added request by receiving data corresponding to the value-added request.

In this embodiment, the addition request for advanced addition is explained, but the addition request accepting unit 102 can also accept the addition request of other addition methods. The top-up request accepting unit 102 can also accept top-up requests for advanced top-ups from the user terminal 30 or other computers. However, in this embodiment, it is assumed that the cash advance processing by the card server 20 has been completed. Advanced top-up can only be performed under certain conditions, so it is assumed that the top-up request is sent from the card server 20 . Therefore, the case where the added value request accepting unit 102 accepts the added value request from the card server 20 will be described.

In this embodiment, electronic money is explained as an example of the settlement means to which value is added. Therefore, where electronic money is recorded, it can be replaced with a checkout method. The checkout method for value-added objects can be of any type, not limited to electronic money. The checkout method of the value-added object only needs to be a checkout method that has the concept of balance. For example, if points can be topped up, they can also serve as a checkout means. For example, if a value can be added to the checkout service using the code, the code can also be equivalent to the checkout means. In this embodiment, an electronic currency whose name does not include "money" such as "AAA electronic cash" is used as an example, but the settlement means may be called by any name.

[Value-Added Processing Execution Department] The value-added processing execution unit 103 executes the value-added processing using the cash advance limit of the credit card indicated by the card information when the value-added request has been accepted. Value-added processing is the processing required to add value to electronic currency. For example, value-added processing is the processing of increasing the balance of electronic money. As for the value-added processing itself, various types of processing can be used. In this embodiment, the processing of increasing the balance of electronic money included in the settlement information stored in the settlement database DB1 is equivalent to value-added processing. Value-added processing may also include other processing. For example, the value-added processing may include updating the details of the balance of the electronic money.

The value-added processing execution unit 103 executes the value-added processing in such a way that when the cash advance limit is consumed for the value-added amount included in the value-added request, the electronic money balance will increase by the value-added amount. The so-called consumption cash advance limit is to reduce the amount that can be borrowed. In a general cash advance, the cash advance limit is used to transfer money to a bank account or withdraw cash from an ATM. On the other hand, in advanced top-up, instead of transferring money to a bank account or discharging cash from an ATM, the top-up process of electronic money is performed.

The value-added processing execution unit 103, once accepting the value-added request, obtains the value-added method identification information contained in the value-added request. The value-adding method identification information may not be included in the value-adding request, but may be sent together with the value-adding request. The value-added processing execution unit 103 executes the value-added processing using the cash advance amount so that the balance of the advanced type increases when the value-added method indicated by the value-added method identification information is advanced value-added. A bonus amount included in the bonus requirement. The recharge processing execution unit 103 stores the current date and time, which is the recharge date and time, the recharge method indicating the advanced recharge, and the recharge amount, as details of the advanced type balance in the electronic money information.

In addition, when it is determined that advanced top-up is to be carried out after accepting the top-up request from the card server 20, the top-up request does not need to include the top-up method identification information. In addition, when other value-added methods have been designated, the value-added processing execution unit 103 only needs to execute the value-added processing corresponding to the other value-added methods that have been designated. For example, when the consumption bonus has been designated, the value-added processing execution unit 103 only needs to execute the same value-added processing as before. The same is true for other value-added methods. In this embodiment, when the adding processing of other adding methods has been executed, the balance of the electronic money is increased, and the details of the balance are updated.

[3-2. Functions implemented in the card server] The data storage unit 200 is mainly implemented by the storage unit 22. The card information acquisition unit 201, the cash advance request acceptance unit 202, and the cash advance processing execution unit 203 are implemented mainly by the control unit 21.

[Data Storage Department] The data storage unit 200 is used to store the data required to provide card services to the user. For example, the data storage unit 200 is a memory card database DB2.

FIG. 6 is a diagram showing an example of the card database DB2. The card database DB2 is a database that stores information about users in the card service. For example, the card database DB2 stores user ID, password, name, card information, and cash advance information. The information stored in the card database DB2 can be any information about the user, and is not limited to the example in Figure 6 .

In this embodiment, it is explained that the checkout service and the card service cooperate with each other and the user ID and password are the same. However, the user ID and password of the checkout service are different from the user ID and password of the card service. , can also be different. In the case where they are different, the relationship between the user ID of the checkout service and the user ID of the card service can also be stored in the card database DB2. The same relationship can also be stored in the checkout database DB1. The checkout service and card service are linked by user IDs. Even if the user IDs are different, they can still be identified as representing the same user.

The card information may be the same as the card information stored in the checkout database DB1, or may include other information such as the nominee's address or security code. Cash advance information is information about the cash advance limit of a credit card. For example, cash advance information includes: utilization limit, available borrowing amount, borrowing type, borrowing date, borrowing amount, and payment method. In this embodiment, there are two types of borrowing: a normal cash advance in which transfer to a bank account is performed, and a premium top-up. The information required when borrowing a cash advance of the "normal" category can be the same as before.

When the borrowing type is "Advanced Premium", borrowing Japanese means the day of premium bonus. The starting date of interest may be the borrowing date, which is the recharge date, or it may be a day later than the recharge date, as in the modifications described below. The borrowed amount means the added value. The payment method is the payment method designated for advanced top-up. Once the advanced top-up is made, the cash advance information will be updated.

In addition, the cash advance information may contain any information about the cash advance service. For example, cash advance information may also include the repayment status of the user. The repayment status may also include information such as the repayment amount and repayment date that the user has repaid through bank transfer, etc. For example, the cash advance information may also include: the repayment schedule of each loan. The repayment schedule includes the repayment period and repayment amount that the user should repay via bank transfer, etc. The cash advance information may also include: the starting date of each borrowed interest and the amount of interest.

[Card Information Acquisition Department] The card information acquisition unit 201 acquires card information about the user's credit card. In this embodiment, since card information is stored in the card database DB2, the card information acquisition unit 201 refers to the card database DB2 and acquires the user's card information. For example, the card information acquisition unit 201 acquires the card information included in the cash advance request from the card database DB2. The card information may not be included in the cash advance request, but may be sent to the card server 20 together with the cash advance request. The card information acquisition unit 201 only needs to acquire the card information of the user who is logging in to the card service. The card information acquisition unit 201 may acquire the card information associated with the user ID of the logged-in user before the cash advance request is accepted.

[Cash Advance Request Reception Department] The cash advance request acceptance department 202 accepts cash advance requests for credit cards. Cash advance requirements are the requirements required to utilize the cash advance limit of a credit card. Cash advance requests are made by sending information in a prescribed form. For example, the cash advance request includes: card number, cash advance type, and cash advance amount specified by the user. The cash advance request accepting unit 202 accepts the cash advance request by receiving data corresponding to the cash advance request.

In the present embodiment, when button B30 of web page P3 is selected, the request sent from the user terminal 30 to the card server 20 is equivalent to a cash advance request. In this case, the type of cash advance included in the cash advance request becomes "Advanced Plus". The cash advance amount included in the cash advance request becomes the recharge amount displayed on web page P3. In addition, when the button B52 of the web page P5 in FIG. 3 is selected, the request sent from the user terminal 30 to the card server 20 may be equivalent to a cash advance request.

For example, when buttons B50 and B51 of the web page P5 in FIG. 3 are selected, the request sent from the user terminal 30 to the card server 20 may be equivalent to a cash advance request. Cash advance requests may also be sent at other times. For example, when a final cash advance instruction is given from the page displayed after buttons B50 and B51 are selected, a cash advance request may be made. In this case, the cash advance type included in the cash advance request becomes "normal".

[Cash Advance Processing Execution Department] The cash advance processing execution unit 203 executes the cash advance processing when the cash advance request has been accepted. When the cash advance category is "Normal", publicly known processing can be used for the cash advance processing. The cash advance processing when the cash advance type is "Advanced Plus" is a modified part of the well-known cash advance processing. In this case, the cash advance processing is a transfer process to a bank account, which is replaced with a process required to add value to electronic money.

In this embodiment, the cash advance processing is explained for the case where the cash advance type is "advanced top-up". When the cash advance type included in the cash advance request is "advanced value-added", the cash advance processing execution unit 203 refers to the card database DB2 and compares the data received from the checkout server 10 with the card database DB2. The user ID creates the associated cash advance information and obtains it. The cash advance processing execution unit 203 determines whether the user's borrowable amount is more than the top-up amount based on the cash advance information that should have been obtained.

The cash advance processing execution unit 203 does not execute the cash advance processing unless it is determined that the user's borrowable amount is more than the recharge amount. The cash advance processing execution unit 203 executes the cash advance processing when it is determined that the user's borrowable amount is more than the recharge amount. For example, the cash advance processing execution unit 203 stores the user's cash advance information in such a way that the user's borrowable amount is reduced by a recharge amount, and the borrowing type is set to "advanced recharge". Card database DB2, through which cash advance processing is performed. The borrowing date, borrowing amount, and payment method of the cash advance information are the current date, recharge amount, and payment method displayed on web page P3.

Once the cash advance processing is completed, the cash advance processing execution unit 203 sends a recharge request to the checkout server 10 . This top-up request includes the user ID of the user who made the cash advance request, top-up method identification information indicating that this is "cash advance top-up", and the top-up amount. The value-adding request may not be sent directly from the card server 20 to the checkout server 10, but may also be sent through the user terminal 30 or other computers. The processing of sending top-up requests may also be included in the cash advance processing.

[3-3. Functions implemented in the user terminal] The data storage unit 300 is mainly implemented by the storage unit 32 . The display control unit 301 and the operation acceptance unit 302 are mainly implemented by the control unit 31 .

[Data Storage Department] The data storage unit 300 stores data required for the user to use the checkout service and the card service. For example, the data storage unit 300 stores the checkout application program and code ID. The user terminal 30 receives the code ID issued by the checkout server 10 and records it in its own data storage unit 300 . When the user terminal 30 also receives the validity period of the code ID, it also records the validity period in its own data storage unit 300.

[Display Control Section] The display control unit 301 causes an arbitrary screen to be displayed on the display unit 35 . For example, the display control unit 301 causes the display unit 35 to display the screen described in FIGS. 2 and 3 based on the checkout application.

[Operation Reception Department] The operation accepting unit 302 accepts any operation performed by the user. For example, the operation acceptance unit 302 accepts operations on the screens described in FIGS. 2 and 3 displayed on the checkout application.

[4. Processing performed in the checkout system] FIG. 7 is a flowchart of an example of processing executed in the checkout system S. As shown in FIG. This processing is executed when the control units 11, 21, and 31 operate according to the programs memorized in the memory units 12, 22, and 32, respectively. In FIG. 7 , among the processes executed in the checkout system S, a value-added process using the cash advance amount is illustrated.

As shown in FIG. 7 , once the checkout application is started, the user terminal 30 executes the login process required to log in to the checkout service with the checkout server 10 , causing the main screen G1 to be displayed on the display unit 35 (S1). In the login process of S1, the input of the user ID and password in the checkout service may also be required. Alternatively, if the user has logged in in the past, information indicating this will be recorded in the user terminal 30. This information eliminates the need to enter the user ID and password. In addition to this, other authentications such as biometric authentication can also be used.

When button B11 is selected, user terminal 30 causes menu M12 to be displayed on display unit 35 (S2). Once the button B13 is selected, the user terminal 30 notifies the checkout server 10 of this fact, and the checkout server 10 obtains the card information of the user's credit card based on the checkout database DB1 ( S3). The checkout server 10 generates the display data of the recharge screen G2 in a manner that allows selection of the recharge method of the credit card indicated by the card information obtained in S3, and the user terminal 30 includes the display data indicating that the recharge method can be selected. The value-added screen G2 of the button B21 for each of the plurality of value-added methods selected by the user is displayed on the display unit 35 (S4).

The user terminal 30 accepts the input of the added value in the input form F20 based on the detection signal of the operation unit 34 (S5). Once the button B21 of the recharge method using the cash advance limit is selected, the user terminal 30 executes the login process required to log in to the card service with the card server 20, causing the card company's web page P3 to is displayed on the display unit 35 (S6). In the login process of S6, the input of the user ID and password in the card service may also be required. If there has been a login in the past, information indicating this purpose will be recorded in the user terminal 30. Using this information and omit the input of user ID and password. In addition to this, other authentications such as biometric authentication can also be used. It is assumed that during the login process, the top-up amount entered in the input form F20 is also sent.

Once button B30 is selected, user terminal 30 sends a cash advance request to card server 20 (S7). Upon receiving the cash advance request (S8), the card server 20 executes the cash advance process based on the card database DB2 so that the recharge amount designated by the user is borrowed (S9). . The card server 20 sends a recharge request to the checkout server 10 so that the cash advance recharge of the recharge amount designated by the user is performed (S10). Upon receiving the top-up request (S11), the checkout server 10 performs the top-up process (S12) in such a manner that the cash advance requested by the top-up request is added (S12). This processing is end. When the cash advance top-up is directly instructed not from the checkout application but from the card company's web page P3, the same processing as S6 to S12 is performed to perform the cash advance top-up.

According to the checkout system S of this embodiment, when a top-up request for the user's electronic money is accepted, a top-up process using the cash advance limit of the user's credit card is executed. This allows the user to easily top up electronic money by utilizing the credit card's cash advance limit, thereby giving the user an incentive to utilize the credit card's cash advance limit. For example, even if the payment deadline using electronic money is approaching, the cash advance recharge can be completed only by operating the user terminal 30, thus improving user convenience. For example, even when withdrawal is required, user convenience can be improved because cash advances that can be withdrawn can be easily added. For example, even if it is necessary to transfer withdrawable electronic money to other users, the cash advance can be recharged and the withdrawable electronic money can be easily transferred, thereby improving user convenience. For example, from the perspective of a card company, the existing cash advance mechanism only needs to replace the processing of bank transfers or the processing of discharging cash from ATMs with the processing of adding value to electronic money. Therefore, it is also Saves you the trouble of importing advanced bonuses.

In addition, the checkout system S is a balance of the advanced type that can be topped up using a cash advance limit, and a normal type balance that can be topped up by using the consumption limit of a credit card, and is processed by adding value. Increase the balance of the advanced model. In this way, the balance of electronic money can be used in different categories, thereby improving user convenience. For example, by classifying the balance of electronic money, restrictions on the purpose of use can be set for each balance.

[5.Modification] The present disclosure is not limited to the embodiments described above. Appropriate changes may be made within the scope that does not deviate from the purpose of this disclosure.

FIG. 8 is a diagram illustrating an example of functional blocks in a modified example. Withdrawal processing execution part 104, remittance processing execution part 105, interest generation part 106, identification part 107, repayment object determination part 108, reduction part 109, adjustment part 110, first designation acceptance part 111, and second designation acceptance part 112 is mainly implemented by the control unit 11 .

[5-1. Modification 1] For example, a credit card's cash advance limit is originally a limit set for borrowing purposes. Therefore, in the balance of electronic money, the amount of added value that utilizes the cash advance limit is considered withdrawable. On the other hand, the consumption limit of a credit card is not a limit set for the purpose of cashing. Therefore, in the balance of electronic money, the amount of added value used for the consumption limit is limited and cannot be withdrawn.

The value-added process execution unit 103 of Modification 1 executes the value-added process using the cash advance amount when the cash advance amount is selected as the method of adding electronic money. The value-added processing in this case is as explained in the implementation form. When the consumption limit of a credit card is selected as the method of adding value, the value-added processing execution unit 103 executes the value-added processing using the consumption limit. The value-adding process in this case is the same as the previous value-adding of electronic money. For example, the value-added processing execution unit 103 executes the value-added process by executing the credit processing of the credit card registered by the user based on the value-added amount specified by the user.

The settlement system S of Modification 1 includes a withdrawal processing execution unit 104. The withdrawal processing execution unit 104 executes a withdrawal process for withdrawing money using the added value of the cash advance amount in the electronic money balance. For the withdrawal process itself, known processes can be used. For example, the withdrawal process may be a process of transferring cash to a bank account designated by the user. For example, the withdrawal process may be a process of discharging cash from a terminal such as an ATM when the user instructs the user to withdraw money from the terminal.

For example, once button B14 in menu M12 in FIG. 2 is selected, the withdrawal processing execution unit 104 executes the withdrawal process in such a manner that the withdrawal amount specified by the user is withdrawn in the advanced balance. Withdrawal processing. The withdrawal amount is any amount below the balance of the advanced type. The amount of added value used to the cash advance limit is added as the balance of the advanced type. Therefore, the withdrawal processing execution unit 104 executes the use of the cash advance by executing the withdrawal process from the balance of the advanced type. Withdrawal processing of the amount of added value.

In addition, the balance of the advanced type will also increase when adding value using a value-adding method other than advanced value-adding. For example, the value-added processing execution unit 103 executes the value-added processing of the advanced balance based on the sales volume in the flea market service or the virtual currency in the financial service. Since the balance of the advanced type is withdrawable, the part added using these reloading methods is also withdrawable.

In the checkout system S, withdrawals using the added value up to the consumption limit are restricted from the electronic money balance. Since the recharge amount used for the consumption limit is added as the balance of the basic type, the withdrawal processing execution unit 104 does not execute the withdrawal processing from the balance of the basic type. For example, in the menu M12 of FIG. 2, although the button B14 used to indicate the withdrawal requirements from the balance of the advanced type is displayed, the image used to indicate the withdrawal requirements from the balance of the basic type is not displayed. display. As a result, withdrawals using the added value of the consumption limit are restricted.

The method of limiting the withdrawal of the amount of added value used to the consumption limit can be any method, and is not limited to the method of not displaying the image required to indicate the withdrawal. For example, when the checkout server 10 receives a withdrawal request, it suffices as long as the withdrawal is not made from the balance of the recharge amount used to the consumption limit.

If the modification 1 is followed, the withdrawal process will be performed on the withdrawal using the added value of the cash advance amount in the electronic money balance. From the balance of electronic money, withdrawals using the added value up to the consumption limit are restricted. This prevents the cash advance limit from being converted into cash, and at the same time allows withdrawals for the consumption limit originally designed for the purpose of borrowing, thereby improving user convenience. As a result, the user can also be given an incentive to utilize the cash advance facility.

[5-2. Modification 2] For example, a certain user A can remit the added value of the cash advance limit in the electronic money balance to another user B. User A is a user on the remittance side of electronic money. Other user B is the user on the receiving side of the electronic money. The method for user A to specify other user B can be any method, for example, a method of specifying a user ID, email address, phone number, messaging application account, or SNS account. This information is an example of user identification information. User A selects button B15 of menu M12 in FIG. 2 and specifies the user identification information of other user B and the amount to be transferred to other user B.

Assume that other user B has already completed the use of checkout service login. If it is necessary to make a specified application in order to maintain the balance of the advanced type, it is assumed that other user B has already completed the application. The amount sent from user A is added to the balance of other user B's premium type. In principle, the balance of the advanced type can be withdrawn at any time. Therefore, other user B can withdraw the portion remitted from user A.

The settlement system S of Modification 2 includes a transfer processing execution unit 105 . The remittance processing execution unit 105 executes the remittance processing required to remit the added value of the cash advance amount in the electronic money balance of user A to other user B. The remittance process is a process of reducing the balance of the electronic money of a certain user A and increasing the balance of the electronic money of another user B. Remittance processing is sometimes called remittance processing, but strictly speaking, no cash is received or received, so it is recorded as remittance processing. The remittance process itself can use known processes.

Remittance processing can be applied not only to advanced-type balances, but also to basic-type balances. For example, the remittance processing execution unit 105 may also execute remittance processing required to increase the balance of other users' basic types based on the balance of user A's basic type. If other user B has not completed the advanced type application, the remittance processing execution unit 105 can also execute the necessary increase in the balance of other users' basic type based on the balance of user A's advanced type. Remittance processing. In addition, in order to prevent the consumption limit of the credit card held by user A from being converted into cash, the remittance processing execution unit 105 is designed not to execute the balance based on the basic type of user A, but to use the advanced type balance of other users. Added remittance processing.

In Modification 2, it is possible to withdraw the portion of the electronic money balance of other user B that was transferred from user A. The process for other user B to withdraw the advanced balance is the same as Modification 1. Even if the transfer process from user A to other user B is executed and the balance of other user B's basic type is increased, the withdrawal from the balance of other user B's basic type is still restricted. This restriction method is also the same as Modification 1.

If Modification 2 is followed, the remittance process required to remit the added value of the cash advance amount in the electronic money balance to other user B is performed. It is possible to withdraw the portion of the electronic money balance of other user B that was transferred from user A. Thereby, the convenience for both the user A and the other user B can be improved. For example, even if user A has borrowed cash from other user B, user A can easily transfer the money from other user B by performing advanced top-up and then sending the advanced balance to other user B. The cash borrowed by B is repaid.

[5-3. Modification 3] For example, when a user has made advanced recharge, he or she borrows the recharge amount of the advanced recharge by using the card company's cash advance service. In this case, interest may also accrue from the top-up date of the advanced top-up. Furthermore, when the predetermined deadline arrives, the unused amount of the premium added value may be deducted from the balance from the electronic money and returned to the credit card side.

Figure 9 is a diagram illustrating an example of a pattern in which interest accrues from the top-up date of premium top-up and the unused amount will not be returned. The example in Figure 9 shows a situation where 20,000 yen is added to electronic money through advanced top-up on November 10, 2021. If it is assumed that the balance of electronic money before adding value is 0 yuan, then the balance of electronic money increases from 0 yuan to 20,000 yuan. If it is assumed that the credit card's cash advance limit is 100,000 yuan, the cash advance limit is reduced from 100,000 yuan to 80,000 yuan. Assuming that on November 20, 2021, 10,000 yuan of electronic money was used, the balance of the electronic money was reduced from 20,000 yuan to 10,000 yuan.

If it is assumed that the expiration date of the credit card is November 30, 2021, in the pattern in Figure 9, since the balance of the electronic money will not be returned to the credit card, the balance of the electronic money will still remain unchanged at 10,000 yuan. The credit card cash advance limit also remains unchanged at 80,000 yuan. For example, on December 27, 2021, the amount of 20,000 yen that was top-up using premium top-up, and the interest for the 47 days from the top-up date, which is November 10, 2021 to the present, are Request payment. Once the user completes the repayment of 20,000 yuan plus interest and confirms the deposit, the credit card's cash advance limit will return to 20,000 yuan, from 80,000 yuan to 100,000 yuan.

Figure 10 is a diagram illustrating an example of a pattern in which interest accrues from the premium date of premium premium and the unused amount is returned. The general process is the same as the type in Figure 9, but in the type in Figure 10, on the deadline, which is November 30, 2021, the unused amount of electronic money, which is 10,000 yen, will be returned to the credit card. side. In other words, since the unused amount of 10,000 yen of electronic money is used as repayment, the balance of the electronic money becomes 0 yen as of December 1, 2021, and the credit card's cash advance limit The system will return 10,000 yuan, from 80,000 yuan to 90,000 yuan.

For example, on December 27, 2021, the 10,000 yen after subtracting the regressor from the 20,000 yen that was recharged using premium recharge is the same as the value from the recharge date, which is November 10, 2021, to the present. The interest for 47 days is the charge. Since interest accrues from the date of recharge, the 20,000 won of premium recharge becomes the object of interest. Once the user completes the repayment of 10,000 yuan plus interest and confirms the deposit, the credit card's cash advance limit will return to 10,000 yuan, from 90,000 yuan to 100,000 yuan. As mentioned above, interest can also accrue from the top-up date of advanced top-up. As another type, interest may be accrued not from the date of recharge but from the date of utilization.

FIG. 11 is a diagram illustrating an example of a pattern in which interest accrues from the date of utilization. The general process is the same as that shown in Figure 10. In the pattern in Figure 11, the unused amount of 10,000 yen at the expiration date, which is November 30, 2021, will be returned to the credit card side. For example, on December 27, 2021, the 10,000 yen after subtracting the regressor from the 20,000 yen that was added using premium premium on December 27, 2021, and the 10,000 yen from the utilization date, which is November 20, 2021, to the present The interest on the 37th day is due to the amount requested. Interest accrues from the date of use, so the 10,000 yen used amount becomes the object of interest. Once the user completes the repayment of 10,000 yuan plus interest and confirms the deposit, the credit card's cash advance limit will return to 10,000 yuan, from 90,000 yuan to 100,000 yuan.

When designed as the type shown in FIG. 11 , the settlement system S of Modification 3 includes an interest generating unit 106 and a specifying unit 107 . The interest generation unit 106, when the added value of the cash advance limit has been used in the balance of electronic money, will make the use amount corresponding to the used amount of the user among the added value. interest is accrued.

The so-called situation in which the added value of the cash advance loan limit has been used means that all or part of the added value of the cash advance loan limit has been consumed. For example, consumption of the added value for the purpose of payment, remittance, or withdrawal is equivalent to the use of the added value. To cause interest to accrue means to perform the processing necessary to charge the repayment amount including the interest on the cash advance. For example: calculating interest, determining the starting date of interest, calculating the corresponding repayment amount of interest, storing the calculation results of interest or repayment amount in the card database DB2, or a combination of these, is equivalent to causing interest to be generated. The interest generation unit 106 uses the added amount of the cash advance amount, and the part that is not used by the user will not be regarded as the object of interest, and the user's usage amount (in the example of FIG. 11 is 10,000 yuan) as the object of interest.

For example, the interest generation unit 106 may generate interest in such a manner that the utilization date of the amount that has been utilized by the user becomes the starting date of interest among the added amounts utilized to the cash advance limit. The calculation method of the interest corresponding to the starting date and the utilization amount can be based on the calculation method of the well-known cash advance. If interest becomes free for a certain period of time due to promotions, etc., the day when the interest period becomes free may be the day when the electronic money is used.

Like the embodiment, the value-added process execution unit 103 of Modification 3 can execute the value-added process based on each of a plurality of value-added methods including the value-added method using the cash advance amount. For example, if there is a balance dedicated to advanced value-adding, you can specify the amount of value-added caused by the advanced value-adding by referring to this balance. On the other hand, when there is a mixture of added amounts caused by multiple added methods, like the advanced type balance, the added amounts caused by each of the plural added methods may be will be mixed in one balance.

Therefore, the specifying unit 107 specifies the add-on method using the cash advance amount among the balance of the electronic money based on the add-on method information that can identify the add-on method when the add-on process has been performed in the past. The value added by the value method. The value-added method information is the name of the value-added method or the ID assigned to the value-added method. The value-added method information is expressed by words, numbers, other symbols, or a combination of these.

Modification 3 explains the case where the electronic money information details include value-added method information. For example, the specifying unit 107 refers to the details of the balance of the advanced type and specifies the addition method information indicating the advanced addition among the additions that have been performed in the past. The specifying unit 107 specifies the unused amount of the high-level bonus by calculating the total amount of unused amounts among the bonuses that should have been specified.

In addition, the specific part 107 may also refer to the value-added history information, and the specific value-added method information represents the value-added of advanced value-added among the value-added in the past. The specifying part 107 specifies the total amount of the value-added amount of the high-level value-adding that has been performed in the past by calculating the total value of the value-added value when the value-adding should have been specified. The usage amount among the premium bonuses that have been performed in the past only needs to be specified based on the usage history information. The specifying unit 107 specifies the amount obtained by subtracting the usage amount from the total amount of premium premiums that have been performed in the past as the premium amount of the premium premium.

The interest generating unit 106 generates interest corresponding to the usage amount among the added amounts specified by the specifying unit 107. The added amount specified by the specifying unit 107 becomes the target of interest generation. The method of generating interest itself is as described above. The interest generation unit 106 calculates the interest on the amount of usage that has been used by the user out of the amount of advanced value-added, using the date of utilization of the amount as the starting date for interest accrual. The usage date only needs to be specified based on the usage history information. The interest generation unit 106 calculates the user's repayment amount based on the interest calculation results, and stores the cash advance information in the card database DB2.

According to Modification 3, when the added amount of the cash advance limit has been used in the electronic money balance, the amount of added value that the user has used should be equal to the amount of added value that should have been used. interest is accrued. In this way, interest will not be generated at the point when the advanced recharge is performed, but interest will be generated only for the usage amount that the user has used, thus improving user convenience. In a normal cash advance, even if the cash transferred to the bank account has not been used, interest may accrue at the time the transfer is made, but in the checkout service, the added value due to the advanced added value can be determined Whether the amount has been actually utilized, therefore interest can be generated based on the amount of utilization that has been actually utilized. As a result, the user can be given an incentive to utilize the cash advance limit of the credit card.

Furthermore, interest is accrued in such a way that the usage date of the usage amount that has been used by the user becomes the starting date of interest among the added amounts during advanced top-up. In this way, the starting date of interest can be extended to a later date, thereby improving user convenience. As a result, the interest rate can be reduced compared to a normal cash advance, thereby giving the user an incentive to use the cash advance limit of the credit card.

Furthermore, based on the adding method information that can identify the adding method in the adding process that has been performed in the past, the adding method using the cash advance amount is specified in the balance of the electronic money. quantity. This allows the interest to be calculated correctly even if the added amounts resulting from multiple added methods are mixed balances.

[5-4. Modification 4] For example, FIG. 11 illustrates the case where the usage date of the usage amount used by the user becomes the starting date for interest calculation. However, the interest generation unit 106 may also regard the predetermined expiration date after the usage date of the usage amount as the starting date. The date on which interest is calculated is the manner in which interest is accrued. The cut-off date is the day when usage within a certain period is counted. Deadlines come periodically. The deadline only needs to be a predetermined date. For example, the deadline may come every month on a determined date.

For example, the interest generation unit 106 calculates the interest on the usage amount based on the deadline, which is November 30, 2021, which is the starting date. The calculation method of the interest corresponding to the starting date and the utilization amount can be based on the calculation method of the well-known cash advance. If the interest for a certain period becomes free through promotional activities, etc., the starting date of the period when it becomes free will be November 30, 2021 or the following day.

According to Modification 4, interest is accrued in such a way that among the amount of added value at the time of advanced top-up, the specified end date after the utilization date of the usage amount that the user has used becomes the starting date of interest. . In this way, the starting date of interest can be extended to a later date, thereby improving user convenience. As a result, the interest rate can be reduced compared to a normal cash advance, thereby giving the user an incentive to use the cash advance limit of the credit card.

[5-5. Modification 5] For example, as illustrated in FIGS. 10 and 11 , the unused amount that has not been used by the user at the time of the expiration date among the added amounts during advanced top-ups can also be returned to the credit card side.

The settlement system S includes a repayment object determination unit 108 . When the predetermined deadline arrives, the repayment target determining unit 108 returns the unused amount that is not used by the user out of the recharge amount used to the cash advance limit to the credit card side, and returns the unused amount to the credit card side. The amount of utilization that has been used determines the object of repayment. The repayment target determining unit 108 calculates the repayment amount based on the usage amount used by the user. For example, if the user chooses to pay in one lump sum, the repayment target determining unit 108 adds interest as necessary based on the usage amount that the user has used, and then determines the repayment amount in one lump sum. When the user chooses to pay in installments, the repayment object determination unit 108 adds interest as necessary based on the usage amount used by the user, and then determines the repayment amount corresponding to the number of installments.

According to Modification 5, when the predetermined deadline arrives, among the recharge amounts used for the cash advance limit, the unused amount that has not been used by the user will be returned to the credit card side, and the amount that has been used by the user will be returned to the credit card side. The amount of utilization determines the repayment object. In this way, the unused amount of premium premiums will be returned to the credit card side, thereby improving user convenience. As a result, the interest rate can be reduced compared to a normal cash advance, thereby giving the user an incentive to use the cash advance limit of the credit card.

[5-6. Modification 6] For example, as illustrated in FIGS. 10 and 11 , among the premium premium amounts, the unused amount that has not been utilized even after the expiration date arrives can be deducted from the electronic money balance. In other words, the unused amount can be returned to the credit card side and is regarded as a balance that does not exist in the electronic money.

The checkout system S of Modification 6 includes a reduction unit 109 . The reduction unit 109 reduces the unused amount from the balance of the electronic money when the deadline has arrived. For example, the reduction unit 109 refers to the details of the balance of the premium type and reduces the unused amount of the premium amount of the premium premium from the balance of the premium type.

According to Modification 6, when the deadline has arrived, the unused amount will be reduced from the balance of the electronic money. This prevents unused amounts from remaining in the electronic money balance during advanced recharges. For example, in the case where interest is accrued on the amount of money that has been used by the user among the added amounts during advanced top-ups, if there is any unused amount remaining in the balance of electronic money, interest will be charged on the amount that was not intended by the user. Even if the unused amount is used, interest will accrue. However, by deducting the unused amount from the balance of the electronic money and treating it as unused, unintended interest can be prevented.

[5-7. Modification 7] For example, once the value-added amount for advanced value-adding is used, interest corresponding to the amount used may accrue. Therefore, after the added value in the advanced recharge is used, if the user recharges using other recharge methods, the most recent recharge can be used to offset each other to suppress the generation of interest. . In other words, it can be considered that the most recent bonus amount using other bonus methods has been used, while the bonus amount for advanced bonus methods has not been used.

The value-added process execution unit 103 of Modification 7 may also execute the value-added process based on each of a plurality of value-added methods including a value-added method using a cash advance limit. Other value-adding methods other than advanced value-adding can be any method and are not limited to the methods described in the embodiment. For example, the value-added processing execution unit 103 may also perform value-added processing based on the value-added method using a debit card or bank account. The value-adding process itself of each value-adding method can use publicly known processing.

The checkout system S includes an adjustment unit 110 . The adjustment unit 110, in the balance of the electronic money, if the recharge amount using the advance cash limit has been used and the reload processing is performed by other recharge methods, instead of using the prepaid cash amount, the adjustment unit 110 The recharge amount of the cash borrowing limit is changed to allow the recharge amount of other recharge methods to be used to adjust the utilization result of the electronic money balance.

The so-called adjustment of utilization results means that the balance of the electronic money used by the user is regarded as unused. For example, when the balance of the advanced type has been used, treating the usage amount as if the balance of the basic type has been used is equivalent to adjusting the utilization result. For example, in the usage history information, changing the method of adding value to the balance that has been used is equivalent to adjusting the usage results. In addition, for example, returning the bonus amount of the advanced bonus that has been used to the balance of the advanced type is equivalent to adjusting the utilization result.

For example, the adjustment unit 110 changes the value-adding method information of the usage history information indicating that the bonus amount of the advanced bonus has been used to another value-adding method. In this way, the use of history information does not mean that the advanced bonus is used, but that the bonus amount of other value-adding methods has been used. If the usage history information is referred to when specifying the repayment target or calculating the interest, it will become that the added amount of other added methods has been used instead of the advanced added value. Therefore, the adjustment unit 110 causes Adjustments can make the repayment of the utilization amount unnecessary, or no interest will be accrued, etc. For example, the adjustment unit 110 returns the usage amount that has been used by the user among the bonus amounts of the advanced bonus to the balance of the advanced type. In this way, it will not be specifically targeted for repayment, and interest will not accrue, etc.

According to Modification 7, if the added amount of the cash advance amount in the balance of electronic money is already used and the added process is performed using other added methods, the use will be replaced. The recharge amount to the cash advance limit is changed to allow the recharge amount of other recharge methods to be used to adjust the utilization result of the electronic money balance. This makes it difficult to generate interest on the cash advance recharge, thereby improving user convenience.

[5-8. Modification 8] For example, the adjustment of the utilization results described in Modification 7 may not be necessary for the user. Therefore, it can also be designed to allow users to specify whether to adjust the utilization results.

The checkout system S includes a first designation acceptance unit 111. The first designation accepting unit 111 accepts the user's designation regarding whether to adjust the utilization result of the balance of the electronic money. For example, when the user performs a predetermined operation from the main screen G1, a setting screen required for performing various settings of the checkout service is displayed on the display unit 35. The setting screen is a user interface required for specifying whether to adjust the utilization results of the electronic money balance.

For example, in the setting screen, an input form required for specifying whether to adjust the utilization result of the electronic money balance is displayed. The first specification accepting unit 111 accepts the specification by receiving information indicating the result of the user's specification on the setting screen from the user terminal 30 . Once the first specification accepting unit 111 accepts the specification made by the user, it is associated with the user ID of the user and stores the specification content in the checkout database DB1.

The adjustment unit 110 adjusts the utilization result of the electronic money balance when the user has designated the adjustment of the utilization result. The processing of the adjustment unit 110 in this case is the same as that described in Modification 7. The adjustment unit 110 will not adjust the utilization result of the electronic money balance unless the user has specified that the utilization result be adjusted. In this case, the processing described in Modification 7 is not executed. Therefore, the amount of added value during advanced reloading will remain utilized and may generate interest.

According to Modification 8, when the user has specified that the utilization result be adjusted, the utilization result of the electronic money balance will be adjusted. This allows the user to specify whether to adjust the balance of the electronic money according to his or her preference, thereby improving the user's convenience.

[5-9. Modification 9] For example, in the adjustment of utilization results described in Modification 7 or 8, the user may want to specify an upper limit. Therefore, it can also be designed so that the user can specify the upper limit for adjusting the utilization results.

The checkout system S includes a second designation acceptance unit 112. The second designation accepting unit 112 further accepts the user's designation of the upper limit for adjustment of the utilization results. The upper limit is the upper limit of the utilization result adjusted by the adjustment unit 110. The amount of bonus used for advanced bonuses will remain unused within the upper limit. For example, in the setting screen described in Modification 8, an input form required for specifying the upper limit is displayed. The second designation accepting unit 112 receives the designation of the upper limit by receiving information indicating the result of the user's designation on the setting screen from the user terminal 30 . Once the second designation accepting unit 112 accepts the designation made by the user, it is associated with the user ID of the user and stores the upper limit in the checkout database DB1.

The adjustment unit 110 adjusts the utilization results based on the upper limit specified by the user. For example, when the bonus amount at the time of advanced bonus is less than the upper limit, the adjustment unit 110 adjusts the usage result in the same manner as Modification 7 or 8. The adjustment unit 110 performs the same processing as in Modification 7 or 8 within the range of the upper limit when the amount of bonus at the advanced bonus is greater than the upper limit.

If Modification 9 is followed, the user's designation of an upper limit for adjustment of utilization results will be further accepted, and the utilization results will be adjusted based on the upper limit specified by the user. Thereby, the utilization result of the electronic money balance can be adjusted within the range of the upper limit specified by the user, thereby improving the user's convenience.

[5-10. Modification 10] For example, the value-added processing execution unit 103 may execute a value-added process using the cash advance limit of each of a plurality of credit cards. As an example of the embodiment, if the card company "AAA Card" issues multiple credit cards to one user, the value-added processing execution unit 103 may separately execute the advance loan for each credit card. Cash recharge processing. For example, when the user has a private credit card or is a credit card of an individual business owner, the added-value processing execution unit 103 can also execute the added-value processing of using the personal credit card to add cash advance, And the top-up process of using the cash advance top-up on the credit card of an individual business owner. Each value-added process is as explained in the implementation form.

According to Modification 10, the reloading process of the cash advance limit of each of the plurality of credit cards will be performed. This can give the user an incentive to utilize the cash advance limit of each of the plurality of credit cards.

[5-11. Other modifications] For example, the modifications described above may be combined.

For example, although the user uses the checkout service from a checkout application, the media providing the checkout service can be any medium and is not limited to the checkout application. For example, the browser of the user terminal 30, the IC chip of the user terminal 30, or the IC card owned by the user can also be used to provide the checkout service. For example, as a top-up method, you may only be able to select a top-up method that utilizes the cash advance limit of your credit card.

For example, the checkout server 10 and the card server 20 may not be separated, but each function may be implemented in one computer. For example, the function described as being implemented in the checkout server 10 may also be implemented in other server computers such as the card server 20 . For example, the function described as being implemented in the card server 20 may also be implemented in other server computers such as the checkout server 10 . For example, the functions described as being implemented in each of the checkout server 10, the card server 20, and the user terminal 30 may be shared among a plurality of computers. Each function only needs to be implemented in at least one computer.

S: Checkout system N:Network 10: Checkout server 11,21,31:Control Department 12,22,32:Memory department 13,23,33: Ministry of Communications 20:Card server 30:User terminal 34:Operation Department 35:Display part G1: Main screen G2: Value-added screen P3, P4, P5: web page 100:Data Memory Department 101: Card information acquisition department 102: Value-added request acceptance department 103: Value-added processing execution department 104: Withdrawal processing execution department 105:Remittance Processing and Execution Department 106:Interest Generation Department 107:Specific department 108: Repayment object decision department 109: Reduction Department 110:Adjustment Department 111: No. 1 Designated Reception Department 112:Second Designated Reception Department 200:Data Memory Department 201: Card information acquisition department 202: Cash advance request acceptance department 203: Cash advance processing execution department 300:Data Memory Department 301: Display control department 302: Operation acceptance department B11,B13,B14,B21,B22,B30,B40,B50,B52: button C10: code DB1: Checkout database DB2: card database F20, F21: Input form M12: Menu

[Fig. 1] An illustration of an example of the overall configuration of the checkout system. [Fig. 2] An illustration of an example of a screen displayed on a user terminal. [Figure 3] An illustration of an example of a card company's web page. [Figure 4] A functional block diagram of an example of functions implemented in the checkout system. [Figure 5] An illustration of an example of a checkout database. [Figure 6] An illustration of an example of a card database. [Fig. 7] A flowchart of an example of processing performed in the checkout system. [Fig. 8] An illustration of an example of functional blocks in a modified example. [Figure 9] Illustration of an example of a pattern in which interest accrues from the top-up date of premium top-up and the unused amount will not be returned. [Figure 10] Illustration of an example of a pattern in which interest accrues from the date of premium top-up and the unused amount is returned. [Fig. 11] An illustration of an example of a pattern in which interest accrues from the date of use.

10: Checkout server

20:Card server

30:User terminal

100:Data Memory Department

101: Card information acquisition department

102: Value-added request acceptance department

103: Value-added processing execution department

200:Data Memory Department

201: Card information acquisition department

202: Cash advance request acceptance department

203: Cash advance processing execution department

300:Data Memory Department

301: Display control department

302: Operation acceptance department

DB1: Checkout database

DB2: card database

Claims (10)

A checkout system consisting of: The card information acquisition department acquires card information about the user's credit card; and The value-added request acceptance department shall accept the value-added request regarding the user's checkout method mentioned above; and The value-added processing execution department executes the value-added processing using the cash advance limit of the previously charged credit card indicated by the previously mentioned card information when the aforementioned top-up request has been accepted. A checkout system as described in request item 1, wherein, The aforementioned value-added processing execution department is When the predebited cash limit has been selected as the value-adding method for the predebited settlement method, perform the predeposited value-adding process that utilizes the predebited cash limit; In the case where the consumption limit of the previous credit card has been selected as the pre-deposited recharge method, perform the pre-deposited recharge process that utilizes the pre-deposited consumption limit; The foregoing settlement system also includes: a withdrawal processing execution department, which executes the withdrawal processing of the withdrawal using the added value of the foregoing cash advance amount in the balance of the foregoing settlement method; From the balance of the aforementioned checkout method, withdrawals using the added value of the aforementioned consumption limit are restricted. A checkout system as described in request item 1 or 2, wherein, The front-end settlement system also includes: a remittance processing execution department, which performs the required remittance processing by utilizing the added value of the front-end cash advance amount from the balance of the front-end settlement means to other users; It is possible to withdraw the portion of the balance transferred by the user mentioned above from the balance in the settlement method of other users mentioned above. A checkout system as described in request item 1 or 2, wherein, The pre-debited checkout method includes: the first balance that can be recharged by using the pre-debited cash limit, and the second balance that can be recharged by using the pre-deposited credit card consumption limit; The above-mentioned value-added processing execution unit executes the foregoing value-added processing to increase the first balance mentioned above. A checkout system as described in request item 1 or 2, wherein, The aforementioned value-added processing execution unit can execute the aforementioned value-added processing based on each of a plurality of value-added methods including the value-added method using the aforementioned cash advance amount; The front-end checkout system also includes: an adjustment department, which is an adjustment department. Among the balances of the front-end settlement means, the amount of added value used to the front-end cash advance amount has been used and has been performed using other added-value methods. In the case of value processing, instead of using the added value of the cash advance amount mentioned above, the added value of other added value methods mentioned above will be used to adjust the utilization result of the balance of the previously mentioned settlement method. A checkout system as described in request item 5, wherein, The foregoing checkout system also includes: a first designation acceptance department, which accepts the designation made by the foregoing user regarding whether to adjust the use result of the foregoing; The adjustment unit in the foregoing paragraph adjusts the usage result in the case where the user in the foregoing paragraph is designated to adjust the usage result in the preceding paragraph. A checkout system as described in request item 5, wherein, The foregoing checkout system also includes: a second designated acceptance department, which further accepts the designation of the upper limit of the adjustment of the foregoing utilization results made by the foregoing user; The foreword adjustment unit adjusts the foreword usage results based on the foreword upper limit specified by the foreword user. A checkout system as described in request item 1 or 2, wherein, The front-loaded value-added processing execution unit executes the front-loaded value-added processing using the front-loaded cash advance amount of each of the plurality of front-loaded credit cards. A value-adding method for checkout means includes: The card information obtaining step is to obtain the card information about the user's credit card; and The value-added request acceptance step is to accept the value-added request regarding the aforementioned user's checkout method; and The value-added processing execution step is to execute the value-added processing using the cash advance limit of the previously charged credit card represented by the previously mentioned card information when the previously mentioned top-up request has been accepted. A program product that is used to make a computer function: The card information acquisition department acquires card information about the user's credit card; The value-added request acceptance department will accept the value-added request regarding the user's checkout method mentioned above; The value-added processing execution department executes the value-added processing using the cash advance limit of the previously charged credit card indicated by the previously mentioned card information when the aforementioned top-up request has been accepted.

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