Settlement management device, settlement system, settlement management method, and program

Abstract

To provide a settlement management device, a settlement system, a settlement management method, and a program which can suitably cooperate with a credit card company in settlement processing.SOLUTION: A settlement processing device provides an electronic settlement service and comprises: an acquisition unit which acquires first settlement information via a network when settlement using a settlement application operating in a terminal of a user is made and acquires second settlement information via the network and a credit card settlement management device when a card of the user is used at a store; and a settlement processing unit which sums up sales to an account of an affiliated store obtained from the first settlement information when the first settlement information is acquired, and setting information regarding a settlement method of the user stored in a storage unit shows a first method, and sums up the sales to an account associated with an operator of the credit card settlement management device when the second settlement information is acquired.SELECTED DRAWING: Figure 10

Description

[Technical Field]

[0001] The present invention relates to a payment management device, a payment system, a payment management method, and a program. [Background technology]

[0002] A transaction settlement terminal device that handles debit cards, electronic money cards, or a transaction card that combines the functions of both cards has been disclosed (Patent Document 1). This device has a first input device for inputting the transaction amount to be settled, and a second input device for inputting a designated payment method, and the store clerk inputs the designated payment method into the second input device, thereby switching the card settlement method. Electronic money data is recorded on the transaction card. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2001-118022 Summary of the Invention [Problem to be solved by the invention]

[0004] In the above-mentioned conventional technology, it is necessary to construct an information transmission network from the store to each server device corresponding to the payment method. If the information transmission networks were to be integrated, it would be necessary to switch the payment processing accordingly, but this has not been considered in the past. As a result, in the conventional technology, there are cases where cooperation with the card company in the payment processing is not performed appropriately.

[0005] The present invention has been made in consideration of these circumstances, and one of its objectives is to provide a payment management device, payment system, payment management method, and program that can work effectively with card companies in payment processing. [Means for solving the problem]

[0006] One aspect of the present invention is a payment management device that provides electronic payment services, and includes an acquisition unit that acquires first payment information via a network when a payment is made using a payment app running on a user's terminal device, and acquires second payment information via the network and the card payment management device when the user's card is used at a store; and a payment processing unit that, when the first payment information is acquired and the user's setting information regarding the payment method indicates the first method, records the sales proceeds in an account of an affiliated store obtained from the first payment information, and when the second payment information is acquired, records the sales proceeds in an account associated with the operator of the card payment management device. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide a payment management device, a payment system, a payment management method, and a program that can suitably cooperate with card companies in payment processing. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100 according to the first embodiment. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 2 is a diagram illustrating the configuration of an affiliated credit card company server 200. [Figure 8] FIG. 10 is a sequence diagram illustrating the general flow of processing related to card payment. [Figure 9]FIG. 10 is a diagram showing an example of the contents of card payment setting information 272. [Figure 10] FIG. 10 is a diagram for explaining a more detailed processing flow relating to card payment. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of a payment management device, a payment system, a payment management method, and a program of the present invention will be described. An application program, a payment server, and an affiliated credit card company server cooperate to provide an electronic payment service. The payment server is an example of a "payment management device," and the affiliated credit card company server is an example of a "card payment management device." In the following description, the application program will be referred to as a "payment app." The combination of the payment server and the affiliated credit card company server is an example of a "payment system." An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real-world store) existing in real space, but may also include a virtual store for e-commerce transactions. Virtual stores may also include those operated by entities other than the operator of the electronic payment service. In such cases, when making a payment for a purchase at a virtual store, the user is controlled to transition to an interface screen for the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, a member store (brand), and when a purchase is made at a store, processing such as payment is primarily conducted between the user and the member store. Alternatively, processing such as payment may be conducted between the user and the store.

[0010] [Electronic payment service] Figure 1 shows an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100 and an affiliated credit card company server 200. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more credit processing terminals 55, and one or more second store terminal devices 70 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc.

[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet terminal. The user terminal device 10 is an example of a "terminal device." The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed on the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0012] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0013] The credit processing terminal 55 is installed in the store, similar to the first store terminal device 50. The credit processing terminal 55 includes, for example, a credit card payment terminal (credit card reader) and a POS device. The credit card payment terminal reads a PIN (Personal Identification Number) from an inserted or held credit card (including an affiliated card 57) and compares it with the PIN entered by the user, and transmits a BIN (Bank Identification Number) code and other information read from the credit card to the affiliated credit card company server 200 via the POS device. The POS device cooperates with the credit card payment terminal to transmit information such as the payment amount to the affiliated credit card company server 200. An acquirer (advance payment agent) server and a brand server are interposed between the credit processing terminal 55 and the affiliated credit card company server 200, as will be described later. The affiliated card 57 is, for example, similar to a commonly used credit card, with a communication chip embedded in the card substrate. The communication chip has a built-in storage medium that stores the PIN and communicates with an external device via a contactor (or a wireless antenna). Alternatively, the affiliated card 57 may be a magnetic card.

[0014] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading the code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0015] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

[0016] The affiliated credit card company server 200 manages affiliated credit card payments, which are part of the electronic payment service. The affiliated credit card company server 200 is operated by, for example, a group company (affiliated credit card company) of the payment server 100.

[0017] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment using the user terminal device 10. There may be two types of electronic payment: Pattern 1 and Pattern 2. The "primary payment information," "secondary payment information," and "payment information" in Patterns 1 and 2 are each an example of "first payment information."

[0018] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends primary payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this information to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). The user terminal device 10 then generates secondary payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received secondary payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the primary payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0019] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0020] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuing a one-time code may be omitted in store scanning, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0021] [Payment server] FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as a large-scale integration (LSI), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or a graphics processing unit (GPU), or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a hard disk drive (HDD) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0022] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, and affiliated store / shop information 176.

[0023] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card. The communication unit 110 is an example of an "acquisition unit."

[0024] The payment content providing unit 120 has, for example, a function of a web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The payment content providing unit 120 reads out necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0025] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0026] FIG. 5 is a diagram showing an example of the contents of user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as associated information such as email address, user ID, name, address, date of birth, registration date, charge balance, deferred payment settings, deferred payment limit, deferred payment usage amount, deferred payment available amount, payment method settings, bank account, credit card number, charge history information, and payment history information. The user URL is used for remittance processing between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100, and the user ID can be set by the user (or does not have to be set). The email address, name, address, and date of birth are also information that can be set by the user (or do not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0027] The charge balance indicates the balance of electronic money set by a user by transferring funds to the account in advance. Transfer methods include transfers from a designated service provider (bank) ATM (Automatic Teller Machine) or from a registered bank account. The deferred payment setting indicates whether the settings for deferred payment electronic payments have been completed and is set to either "completed" or "not completed." The deferred payment setting is flag information common to both "terminal payment" and "card payment." Users who are eligible for deferred payment terminal payments are those who have been provided with an affiliated card 57. Alternatively, separate settings may be set for "terminal payment" and "card payment." The deferred payment limit is the monthly limit on deferred payment available. The deferred payment usage amount is the amount of deferred payment already used in the current month. The available deferred payment amount is the amount of deferred payment available in the current month, calculated by subtracting the deferred payment usage amount from the deferred payment limit. While the figure shows only one deferred payment limit, in reality, there may also be daily upper limits, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be provided later. The terminal payment method setting is setting information that indicates whether the user will make an electronic payment using the charge balance or a deferred payment in the "terminal payment" mode. The terminal payment method setting is an example of "setting information." The card payment method setting is setting information that indicates whether the user will make an electronic payment using the charge balance or a deferred payment in the "card payment" mode. The card payment method setting information is synchronized in real time with the affiliated credit card company server 200. The bank account is information (account number) of a bank account that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user transferring money to the electronic payment service in advance to increase the charge balance. The payment history information is information that indicates the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0028] FIG. 6 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 176C in which a store ID is associated with a store ID. In addition to records corresponding to affiliated store IDs, second table 176B also contains records of accounts corresponding to the operators of affiliated credit card company server 200 (i.e., card companies). This will be described later. In addition to this information, affiliated store / store information 176 may also include information such as the category of affiliated store or store, the store's location, and payment patterns.

[0029] The information management unit 140 manages the user information 172 and the affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, deletes, etc. the user information 172 and the affiliated store / store information 176.

[0030] [Terminal payment] The following describes electronic payments (terminal payments) using the user terminal device 10. When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 references the user information 172 to acquire the "payment method setting" of the user. The payment processing unit 130 performs electronic payments as follows for users whose "payment method setting" is set to "charge balance." For example, when first payment information is acquired, the payment processing unit 130 performs electronic payments by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather an amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0031] The payment processing unit 130 performs electronic payments as follows for users whose "setting information" is set to "postpaid." Postpaid means that an affiliated credit card company acts as the creditor and allows electronic payments that are not dependent on the remaining balance within the postpaid limit. In order to receive the postpaid service, a credit card from an affiliated credit card company may be required. The amount used for postpaid payments is settled in one month's worth on the payment date of the following month, for example, by debit from a bank account. In this case, the payment processing unit 130 transmits at least a portion of the first payment information to the affiliated credit card company server 200 as needed and requests payment. The affiliated credit card company server 200 performs processing similar to that of postpaid card payments.

[0032] [Card payment] The electronic payment service not only provides electronic payment (terminal payment) using the user terminal device 10 as described above, but also electronic payment (card payment) using an affiliated card 57. This will be explained below. For card payments, payment using a charge balance or deferred payment can be selected. FIG. 7 is a configuration diagram of the affiliated credit card company server 200. The affiliated credit card company server 200 includes, for example, a credit interface 210, a payment distribution unit 220, a credit payment processing unit 230, an information management unit 240, and a memory unit 270. The credit payment processing unit 230 is an example of a "card payment processing unit." The memory unit 270 stores card payment setting information 272. The components other than the memory unit 270 are implemented, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or by a combination of software and hardware. The program may be stored in advance in a storage device such as a HDD or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0033] The functions of each unit of the affiliated credit card company server 200 will be explained with reference to Figure 8. Figure 8 is a sequence diagram for explaining the flow of processing related to card payment. Here, explanation of the roles of the acquirer server and brand server will be omitted. Note that the processing shown in the figure is conceptual, and in reality, information may be transmitted multiple times.

[0034] First, the credit processing terminal 55 reads information from the affiliated card 57 and transmits information such as the PAN (Primary Account Number) and payment amount to the credit interface 210 (S20). The credit interface determines whether the BIN code included in the PAN in the received information is a code for its own company (S21), and if it is a code for its own company, transfers information such as the PAN to the payment distribution unit 220 (S22). If the code is not a code for its own company, the affiliated credit card company server 200 discards the received information.

[0035] The payment allocation unit 220 uses the transferred information to search the card payment setting information 272 and determines whether the user's card payment method setting is a method of electronic payment based on the charge balance or a method of electronic payment by deferred payment (S23). FIG. 9 is a diagram showing an example of the content of the card payment setting information 272. As shown in the figure, the card payment setting information 272 is information in which information unique to the user (e.g., PAN), the card payment method setting, and the user's account ID (see FIG. 5) are associated with each other. In the following explanation, a method of electronic payment based on the charge balance is an example of a first method, and a method of electronic payment by deferred payment is an example of a second method, but this relationship may be reversed. Deferred payment refers to deducting the payment amount from a bank account, etc. associated with the affiliated card 57 at a predetermined time, such as the closing date, rather than immediately deducting the amount from the charge balance.

[0036] If the user's card payment method setting is "balance," the payment distribution unit 220 sends payment information including the account ID corresponding to the PAN and the payment amount to the payment server 100 (S24). Upon receiving this, the payment processing unit 130 of the payment server 100 confirms that the balance corresponding to the account ID is equal to or greater than the payment amount, and replies to the payment distribution unit 220 that the payment is OK (S25). The payment distribution unit 220 notifies the credit interface 210 that the payment is OK (S26), and the credit interface 210 notifies the credit processing terminal 55 that the payment is complete (S27).

[0037] On the other hand, if the user's card payment method setting is "postpay," the payment allocation unit 220 notifies the credit interface 210 of a request for authentication (S28). The credit interface 210 performs existing credit authentication (S29). Here, the PAN and expiration date are confirmed, and it is confirmed whether the cumulative payment amount exceeds the current month's limit. If the credit authentication confirms that the payment is OK, the credit interface 210 notifies the credit processing terminal 55 that the payment is complete (S30), and information such as the payment amount is transmitted to the credit payment processing unit 230 (S31). The credit payment processing unit 230 performs processing such as adding the acquired payment amount to the cumulative payment amount for the user. The card payment method setting is switched in response to a user's operation on the payment app 20.

[0038] In this way, the affiliated credit card company server 200 acts as an interface to allocate the payment method for card payments, making it possible to realize two payment methods using the existing credit card information transmission network. This makes it possible to improve user convenience at low cost without building a new information transmission network.

[0039] The card payment will be explained in more detail below. Figure 10 is a diagram for explaining the flow of card payment processing in more detail. Note that some of the explanation may overlap with that in Figure 8.

[0040] First, when an affiliated card 57 is used, the credit processing terminal 55 (possibly via the affiliated store server 500) transmits the payment ID, affiliated store ID, card number (PAN), and payment amount to the acquirer server 300 (S50). The acquirer server 300 and the brand server 400 then forward these to the affiliated credit company server 200 (S51, S52).

[0041] The affiliated credit card company server 200 identifies the account ID from the card number (S53). Here, it is assumed that the card payment method setting of the user is "charge balance." The affiliated credit card company server 200 transmits the payment ID, the identified account ID, and the payment amount (an example of second payment information) to the payment server 100 (S54).

[0042] Since this is second payment information transmitted from the affiliated credit card company server 200, the payment processing unit 130 of the payment server 100 deducts the payment amount from the user's charge balance and records it as sales in the card company's account (S55). In the figure, 5,000 yen is deducted from the charge balance of the user with account ID 001 and recorded in the card company's account. The sales amount recorded in the card company's account is actually settled at the desired timing.

[0043] When the processing of S55 is completed, the payment server 100 transmits the payment ID and a payment completion notice to the affiliated credit card company server 200 (S56). The affiliated credit card company server 200 transmits the payment ID, affiliated store ID, card number, and payment amount to the acquirer server 300 via the brand server 400 (S57, S58). The acquirer server 300 performs processing to pay the payment amount to the affiliated store server 500 (S59).

[0044] In the above explanation, the "first method" is a method of making electronic payments using a charge balance, but the "first method" may also be a method of making electronic payments by debiting from a bank account.

[0045] According to the embodiment described above, when first payment information is acquired when the user terminal device 10 is used and the setting information (payment method setting) regarding the user's payment method stored in the memory unit 170 indicates the first method (method based on the charge balance), the sales amount is recorded in the account of the affiliated store obtained from the first payment information, and when second payment information is acquired when the affiliated card 57 is used, the sales amount is recorded in an account related to the operator of the card payment management device, thereby enabling effective collaboration with the card company in the payment processing.

[0046] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0047] 10 User terminal device 20. Payment App 100 Payment Server 120 Payment Contents Department 130 Payment processing unit 140 Information Management Department 170 Storage section 172 User information 200 Affiliated credit card company server 210 Credit Interface 220 Payment Distribution Department 230 Credit card payment processing unit 240 Information Management Department 270 Storage section

Claims

1. A payment management device for providing an electronic payment service, comprising: an acquisition unit that acquires first payment information via a network when a payment is made using a payment application running on a user's terminal device, and acquires second payment information via the network and a card payment management device when the user's card is used at a store; a payment processing unit that, when the first payment information is acquired and the setting information regarding the user's payment method stored in a storage unit indicates a first method, records the sales amount in an account of an affiliated store obtained from the first payment information, and, when the second payment information is acquired, records the sales amount in an account related to an operator of the card payment management device; A payment management device comprising:

2. When the first payment information is acquired and the setting information regarding the payment method of the user indicates a second method, the payment processing unit transmits at least a part of the first payment information to the card payment management device and requests electronic payment based on credit from an operator of the card payment management device. The payment management device according to claim 1.

3. The first method is a method of making an electronic payment based on a charge balance, The second method is a method of making an electronic payment by deferred payment. The payment management device according to claim 2.

4. The first method is a method of making an electronic payment by debiting a bank account, The second method is a method of making an electronic payment by deferred payment. The payment management device according to claim 2.

5. A payment management device for providing an electronic payment service, comprising: an acquisition unit that acquires first payment information via a network when a payment is made using a payment application running on a user's terminal device, and acquires second payment information via the network and a card payment management device when the user's card is used at a store; a payment processing unit that, when the first payment information is acquired, records the proceeds of the sale in an account of the affiliated store obtained from the first payment information, and, when the second payment information is acquired, records the proceeds of the sale in an account of an operator of the card payment management device; A payment management device comprising:

6. The payment management device according to claim 1 ; When a user's card is used at a store, payment information is acquired via a network, and if card payment setting information related to the user obtained from the payment information and stored in a storage unit indicates the first method, the second payment information is transmitted to the payment management device to request electronic payment using the first method; the card payment management device having a payment distribution unit that requests electronic payment to a card payment processing unit that performs electronic payment using the second method when the card payment setting information indicates the second method; A payment system comprising:

7. A payment management device that provides an electronic payment service, obtain first payment information via a network when a payment is made using a payment application running on a user's terminal device, and obtain second payment information via the network and a card payment management device when the user's card is used at a store; When the first payment information is acquired and the setting information related to the user's payment method stored in a storage unit indicates a first method, the sales amount is recorded in an account of the affiliated store obtained from the first payment information, and when the second payment information is acquired, the sales amount is recorded in an account related to the operator of the card payment management device. Payment management methods.

8. A processor of a payment management device that provides an electronic payment service, When a payment is made using a payment application running on a user's terminal device, first payment information is acquired via a network, and when the user's card is used at a store, second payment information is acquired via the network and a card payment management device; When the first payment information is acquired and the setting information related to the user's payment method stored in a storage unit indicates a first method, the sales amount is recorded in an account of the affiliated store obtained from the first payment information, and when the second payment information is acquired, the sales amount is recorded in an account related to the operator of the card payment management device. program.

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