Program, information processing device and information processing method

Abstract

To reduce the possibility of becoming impossible settlement due to a balance shortage of an account in transaction settlement.SOLUTION: A settlement method of a transaction between a first dealer and a second dealer makes a server device receive a request for validity confirmation of settlement means associated with a first dealer account from a first dealer device or a second dealer device S12, perform the validity confirmation of the settlement means on the basis of the request S13, instruct a first institution device for managing the first dealer account to transfer a secured amount from the first dealer account to a management account on the basis of a result of the validity confirmation S14, receive a determination notification notifying that a settlement amount of settlement is determined from the first dealer device or the second dealer device S22, calculate a difference between the secured amount and the determined settlement amount on the basis of the determination notification S23, execute adjustment processing of the difference, and instruct the management institution device to transfer the settlement amount from the management account to the second dealer account of the second dealer.SELECTED DRAWING: Figure 4

Description

[Technical field]

[0001] The present invention relates to a program, an information processing device, and an information processing method. [Background technology]

[0002] Traditionally, when making payments for transactions, such as debit card services, the payment method was linked to the transaction account of the transaction. There is technology for a service that allows the payment amount to be directly debited from this account using a payment method. For example, the following Patent Document 1 is mentioned. In such a service, payment methods such as debit cards are used. A request for validity confirmation (so-called authorization) is sent from a device at the store of the transaction partner. The system in place allows the payment amount to be instantly deducted from the trader's account. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2021-111177 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, depending on the transaction, the validity of the payment instrument linked to the transactor's account may be compromised. There is a delay between when the payment amount is confirmed and when the transaction details change during that time. There are cases where it is not appropriate to immediately debit the transaction amount from the transactor's account after validation. However, in such cases, if the withdrawal is not made immediately, Insufficient balance due to another payment being debited before the payment amount is finalized This may result in the inability to make payments using the payment methods linked to this account. There is.

[0005] In order to solve the above problem, the present invention provides a method for preventing a transaction from being settled due to an insufficient account balance. To provide a program, an information processing device, and an information processing method capable of reducing the possibility The purpose of this document is to: [Means for solving the problem]

[0006] A program according to one aspect of the present invention includes a program for causing a computer to execute a transaction between a first trader and a second trader. In the settlement of the first trader's first trader device or the second trader's second trader device and receiving a request to validate a payment instrument associated with the first trader's first trader account. A confirmation receiving function, a confirmation function for confirming the validity of a payment method based on a request, and a validity confirmation Based on the result of the above, a first transaction is issued to a first institution device of a first institution that manages a first trader's account. A function for instructing the transfer of the secured amount from the borrower's account to the management account, and or from the second transactor device, a confirmation notice is received notifying the effect that the settlement amount of the settlement has been confirmed. Calculate the difference between the secured amount and the confirmed settlement amount based on the notification reception function and the confirmation notification A calculation function, a settlement function that executes the settlement process for the difference settlement, and a management function that manages the management account. the amount of settlement from the management account to the second trader's account for the management institution device of the management institution; and a payment instruction function for instructing the movement of the payment.

[0007] An information processing device according to one aspect of the present invention is a device for processing a transaction between a first trader and a second trader. , from a first trader device of a first trader, or a second trader device of a second trader, a confirmation receiving unit that receives a request for confirmation of the validity of a payment method linked to a first trader's account; A verification unit that verifies the validity of the payment means based on the request, and based on the result of the verification, A first institution device of a first institution that manages a first trader's account receives a transfer of the first trader's account from the first trader's account to the management account. a reserve instruction unit that instructs the transfer of the reserved amount to the account, and a notification receiving unit that receives a confirmation notification that notifies the user that the payment amount of the payment has been confirmed; A calculation unit calculates the difference between the secured amount and the confirmed settlement amount based on the information, and a calculation unit calculates the difference between the secured amount and the confirmed settlement amount based on the information, a settlement unit that executes settlement processing related to the management account, and a management institution device that manages the management account a payment instruction unit for instructing the transfer of the settlement amount from the management account to the second trader's second trader account by And, it is equipped with.

[0008] An information processing method according to one aspect of the present invention includes: In the case of settlement of a transaction, the first trader's first trader's device or the second trader's second trader's device and accepts a request to verify the validity of the payment instrument linked to the first trader's account. Based on the request, the validity of the payment instrument is verified, and the first transaction is made based on the result of the verification. A transfer from the first transaction account to the management account is made to the first institution device of the first institution that manages the transaction account. The transfer of the reserved amount is instructed, and the settlement amount of the settlement is transferred from the first transaction device or the second transaction device. We will receive a confirmation notice informing you that the amount has been confirmed, and based on that, we will calculate the amount of the secured amount and the final settlement amount. Calculate the difference between the amount paid and the difference, execute the settlement process for the difference, and submit the results to the management the amount of settlement from the management account to the second trader's account for the management institution device of the management institution; Instructs the movement of.

[0009] An information processing method according to one aspect of the present invention includes: In the case of settlement of a transaction, the first trader's first trader's device or the second trader's second trader's device and accepts a request to verify the validity of the payment instrument linked to the first trader's account. Based on the request, the validity of the payment instrument is verified, and the first transaction is made based on the result of the verification. A transfer from the first transaction account to the management account is made to the first institution device of the first institution that manages the transaction account. The transfer of the reserved amount is instructed, and the settlement amount of the settlement is transferred from the first transaction device or the second transaction device. Receive a confirmation notice informing you that the amount has been confirmed, and based on the confirmation notice, confirm the amount of the secured amount and the confirmed amount. The difference between the settlement amount and the payment amount is calculated, and the difference is transmitted to the management institution device of the management institution that manages the management account. Instruct the transfer of the settlement amount from the account to the account of the second trader, and settle the difference. Execute the settlement process.

[0010] An information processing method according to one aspect of the present invention includes: The first institution transfers the secured amount from the first trader's account to the management account In settlement of the transactions between the first and second traders, the first trader A settlement transaction linked to the first trader's account from the second trader's device or the second trader's device of the second trader The settlement amount of the settlement by the settlement method is confirmed by the settlement notice. The second transaction is made from the management account to the management institution device of the management institution that manages the management account. Instruct the transfer of the settlement amount to the second trader's account and deduct the confirmed settlement amount from the reserved amount. The difference is calculated and a settlement process for settling the difference is carried out.

[0011] An information processing method according to one aspect of the present invention includes: The first institution transfers the secured amount from the first trader's account to the management account In settlement of the transactions between the first and second traders, the first trader A settlement transaction linked to the first trader's account from the second trader's device or the second trader's device of the second trader The settlement amount is calculated by subtracting the secured amount from the secured amount. The difference is calculated by subtracting the set amount from the payment amount, and the settlement process for the difference is carried out and finalized. Based on the notice, the management institution that manages the managed account shall issue a third 2. Instruct the transfer of the settlement amount to the second trader's account. Effect of the Invention

[0012] According to the present invention, the possibility of a transaction being unable to be settled due to insufficient account balance is eliminated. can be reduced. [Brief description of the drawings]

[0013] [Figure 1] 1 is a diagram for explaining an example of a system configuration of a payment support system according to a first embodiment. FIG. [Diagram 2] 1 is a diagram for explaining an example of an overview of a payment support system according to a first embodiment. FIG. [Diagram 3] FIG. 2 is a diagram illustrating an example of a functional configuration of a server device according to the first embodiment. [Figure 4] FIG. 2 is a diagram illustrating an example of the operation of the payment support system according to the first embodiment. [Diagram 5] FIG. 2 is a diagram illustrating an example of the operation of the payment support system according to the first embodiment. [Figure 6] FIG. 2 is a diagram illustrating an example of a hardware configuration of a server device according to the first embodiment. [Figure 7] FIG. 11 is a diagram illustrating an example of the operation of the payment support system according to the second embodiment. [Figure 8] FIG. 11 is a diagram illustrating an example of the operation of the payment support system according to the second embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0014] A preferred embodiment of the present invention will be described with reference to the accompanying drawings. , components with the same reference numerals have the same or similar configurations.

[0015] In the present invention, the term "part", "means", "apparatus" or "system" refers to a physical means. It does not mean a stage, but rather the features of the "part", "means", "apparatus" or "system". This also includes cases where the functions described above are realized by software. The functions of a "device" or "system" are not determined by physical means, equipment, or software modules. Even if the invention is realized by a combination of two or more modules, it does not include two or more "parts," "means," or "equipment." The functionality of a "device" or "system" is realized by a single physical means, device, or software module. This may be realized by a rule.

[0016] [First embodiment] First, a first embodiment of the present invention will be described. In this embodiment, a first trader and a second trader In the settlement of the transaction of the borrower, the account of the first trader (hereinafter referred to as the "first trader account") An example of making a payment using the linked payment method will be described. The payment method associated with the trader account (hereinafter referred to as the "payment method of the first trader account") , a payment using a debit card owned by the first transactor (hereinafter referred to as "debit payment" However, the settlement means of the first trader account according to the present invention is For example, the payment method for the first trader account may be a method that does not use a debit card. This includes direct debit (account withdrawal) or direct deposit, prepaid funds transfer, etc. In addition, the funds used for settlement of the transaction according to the present invention may be, for example, a bank account balance. In addition to cryptocurrencies, crypto assets such as electronic money may also be used.

[0017] In this embodiment, the first and second traders may be individuals or businesses. The payment support system 1 according to this embodiment is for payments other than B2C (transactions between businesses and individuals) It can also be used for C2B, B2B, C2C, etc. payments.

[0018] Debit payment is a system that provides debit payment (hereinafter referred to as "debit card system"). Financial institutions (e.g., banks, etc.) that provide the services (also referred to as “services”) or designated entities that are affiliated with financial institutions The business operator immediately transfers the amount of the account balance from the account managed by the financial institution to the designated first transactor. A settlement in which the amount received is withdrawn and credited to the account of a second party (including an account at another financial institution) It is a means.

[0019] The payment support system 1 according to this embodiment secures funds for the settlement of a transaction, In this embodiment, the first institution's external system is operated by In the following description, an example will be described in which the operator of the payment support system 1 is an external system. A system that controls communication and converts messages between the agency's system and external systems. In this embodiment, an example in which the first institution is the first bank will be described. The first institution is not limited to the above. The first institution is an institution that manages the account of the trader. Any institution can be involved, for example, a financial institution other than a bank, or a company that uses electronic money. In this embodiment, the first Using the debit payment function provided by the bank (hereinafter referred to as the "debit payment function") An example of using this will be described.

[0020] <1. System configuration> An example of the system configuration of a payment support system 1 according to this embodiment will be described with reference to FIG.

[0021] As shown in FIG. 1, the payment support system 1 includes a server device 100 of an operator and a first transactor. The server device includes a first trader device 200a of the first trader and a second trader device 200b of the second trader. The device 100, the first transactor device 200a, and the second transactor device 200b are connected to a network N. The payment support system 1 also functions as an external system. The first transactor is connected to the bank system 400 via a network N. The device 200a and the second transactor device 200b are collectively referred to as “transactor” unless there is a need to distinguish them. The first and second traders are also called the "transfer device 200". In addition, there is no need to distinguish between the first and second traders. In such cases, they are collectively referred to as "transactors."

[0022] [Server device] The server device 100 is a bank system for controlling communication and using a bank account. 400 and a bank server 410 are connected to each other via a network N.

[0023] The server device 100 is capable of communicating with the trader device 200 or the bank server 410. The server device 100 is an information processing device. "), and cooperates with the trader device 200, etc. to obtain settlement information ( For example, transaction information, payment instrument information and / or account information) and manage debit payments When using the service, it controls the fund transfer process to prevent payment failure due to insufficient account balance.

[0024] The account information is information for managing each bank account. Bank codes to identify banks, traders, operators and / or accounts held by the banks Account number for identifying the account, the total amount deposited in the account, or the account balance, or the number of times the account has been used The account information may include, for example, authentication information for the account. Details of authentication information will be described later.

[0025] The transaction details include, for example, a deposit / withdrawal history indicating a deposit / withdrawal history. Deposit / withdrawal ID to identify the deposit / withdrawal, ID of the bank card used for the deposit / withdrawal, or Deposits and withdrawals from various card companies when making withdrawals from bit cards or credit cards Customer ID indicating the ID of the counterparty, deposit / withdrawal date and time indicating the date and time of the deposit / withdrawal, deposit to account Deposits, which indicate the amount deposited into your account, and / or Withdrawals, which indicate the amount withdrawn from your account. .

[0026] [Trader Device] The trader device 200 may be, for example, a smartphone or tablet used by the trader, It is a terminal device such as a laptop that accepts input such as product purchases from traders and The information processing device is capable of outputting notifications such as completion of procedures and communicating with the server device 100. The user device 200 executes a predetermined program to cooperate with the server device 100. It transmits and receives transaction information, displays transaction screens, and accepts instructions from traders. To do.

[0027] Transaction information is information about a transaction. Transaction information may be, for example, a Transaction identification information, details of each transaction, transaction date and time, transaction processing status (e.g., acceptance of transaction details, (in the process of confirming the validity of the payment method, or accepting input for transaction confirmation, transaction confirmation, etc.) The transaction details include, for example, the transaction details, the transaction instructions, etc. Information about the product or service being offered (hereinafter referred to as "Product Information") (hereinafter referred to as "Service Information"), the transaction amount, and / or the payment method used for the transaction. (hereinafter also referred to as "payment method information"), etc.

[0028] The payment method information is, for example, type information indicating the type of payment method (e.g., credit card payment, debit card payment, or electronic money payment), to identify the payment method Payment method identification information (e.g., card number, account number, etc.), payment business that provides payment methods User identification information of users who use payment methods, and for the security of payment methods The payment method information includes, for example, whether the payment method is suspended or not. , payment history information for a given period of time, various settings related to the payment method (e.g. The communication link may include setting information indicating the amount, the maximum amount, etc.

[0029] When the trader is a store (including a store clerk), the trader device 200 stores information used in the store. The information processing device may be, for example, a POS register terminal or a handheld terminal. The puller device 200 may store, for example, product information of products sold in the store in which it is installed, The terminal may have a reader function to read information on services offered at the store. As an example, the trader device 200 does not have a reader function, and An external device such as a card reader may have the reader function. Accepting input of information regarding products or services (hereinafter referred to as "Products, etc.") POS register functions such as calculating the total amount of the ordered products (in other words, the payment amount) It may also have the function.

[0030] [Banking system and bank server] The bank system 400 includes a first bank system 400a of a first bank and a second bank system 400b of a second bank, which will be described later. 2 bank system 400b. The bank system 400 is, for example, a debit system. It may also serve as a

[0031] The bank server 410 includes a first bank server 410a of a first bank and a second bank server 410b of a second bank, which will be described later. The bank server 410 is a general term for the bank account server 410b. A server for a bank system 400 that performs transfer and / or deposit processing, reference processing, etc. for an account The bank server 410 is a server for providing services related to the above-mentioned transfer processing, etc. The server device 100 cooperates with the server device 100.

[0032] The bank server 410 may provide, for example, a bank API to an external device such as the server device 100. Bank APIs provide services for existing functions such as fund transfer and balance inquiry, and can be shared with external parties. Software components communicate with each other for use by other applications. The bank API is an interface used to update and read data. The update API is for transferring funds to and from a bank account. The reference API is used to obtain account information such as bank account balance inquiries. do.

[0033] [network] The network N is composed of a wireless network or a wired network. Examples of networks include mobile phone networks and PHS (Personal Handyphone System). one System) network, wireless LAN (Local Area Network, IE Communications conforming to EE802.11 (including so-called WI / Fi (registered trademark)), 3G ( 3rd Generation), LTE (Long Term Evolution) , 4G (4th Generation), 5G (5th Generation), W iMax (registered trademark), infrared communication, visible light communication, Bluetooth (registered trademark), Wire LAN, telephone line, power line communication network, IEEE1394, etc. There is a problem.

[0034] <2. Overview> An example of the outline of the payment support system 1 will be described with reference to FIG. The first institution that manages the account and the management institution that manages the managed account are the same institution, specifically the first institution In this example, the first bank and the management institution are different. The management account is a temporary account for the purpose of securing the secured amount described below. The managed account is, for example, an account held by the operator or a special deposit account at the first bank. In this example, the second institution that manages the second trader account and the second institution that manages the managed account may The management institution that will manage the transaction will be a different institution, specifically, the second institution will be a second bank different from the first bank. An example will be described.

[0035] In this example, the first bank system 400a is responsible for issuing a debit card for the first trader account. In this example, the debit card of the first bank system 400a is The second transaction party shall be registered as a card service affiliate.

[0036] (1) As shown in Figure 2, first, the first transactor, who is a customer of a store, etc., (2) The first trader then makes an offer to purchase the product to the second trader. Apply to use debit payment as the payment method for the transaction. This application can be made, for example, For example, the second transaction party's device 200b may be used to make a debit payment using a debit card of the first transaction party. At this time, the second transaction device 200b may read the first transaction device or Receive transaction information, including debit payment method information, from the second transaction party for this purchase transaction. Attach.

[0037] (3) The second transaction device 200b receives the payment method information received in (1) and (2) above. In order to verify the validity of the debit payment, which is the payment method indicated in A request for confirmation of validity, i.e., an authorization process, is sent to the original first bank system 400a. This request for validity confirmation is sent to the server of the external system of the first bank system 400a. The second transactor device 200b transmits the transaction to the server device 100. 0 to request validation of the transaction.

[0038] (4) When the server device 100 receives the request for verifying the validity transmitted in (3) above, The validity of the debit payment is confirmed. The method of confirming the validity of the debit payment is, for example, The server device 100 may also check the payment method information stored in the server device 100 against the payment method information of the verification source. As another example, the method of confirming the validity of the debit payment may be, for example, Inquires the system 400a about the validity of the debit transaction and indicates the result of the validation check. Alternatively, the confirmation result information may be received and confirmed.

[0039] (5) If the server device 100 confirms the validity of the debit payment in (4) above, The first bank server 410a of the first bank transfers the deposit from the first trader account to the management account. In this example, the amount to be secured is set to 30,000 yen.

[0040] The reserved amount is the amount of funds to be reserved for the payment amount before the payment amount is finalized. The secured amount may be, for example, (a) set by the trader's designation, or (b) set by multiple (c) A common amount may be set for all transactors, or (d) a common amount may be set for the type of transaction and / or the category of transactors. The amount may be set according to gender, etc.

[0041] The type of transaction may be, for example, a sale or purchase transaction involving the provision of services or goods (purchase of goods). (including lending, factoring, remittance transactions, transfer of value such as electronic money, etc.) In addition, the attributes of the trader may be, for example, the name, occupation, and / or annual income of the trader if the trader is an individual. , payment history, etc., or if the transactor is a business, the business name, business content, business form, etc. The type, number of employees, industry, business scale, management status, capital status and / or settlement history, etc. Good too.

[0042] (6) When the first bank server 410a receives the transfer instruction in (5) above, The funds are transferred between the first trader's account and the management account. The server 410a subtracts the secured amount of 30,000 yen from the balance of the first trader's account and The height will be increased by 30,000 yen.

[0043] (7) The settlement amount (sales amount) of the product purchase transaction between the first and second transactors is determined. In this example, the settlement amount is 5,000 yen. (8) The second transactor device 200b When the user inputs a confirmation of the payment amount from the first or second transactor, the server device 100 A confirmation notice will be sent to inform you that the amount has been finalized.

[0044] (9) Upon receiving the confirmation notification in (7) above, the server device 100 performs the following operation based on the confirmation notification: Based on this, the difference between the secured amount and the confirmed payment amount is calculated.

[0045] (10) If the validity is confirmed in (4) above, the server device 100 calculates the value in (9) above. Executes a process for settling the difference (hereinafter, also referred to as "settlement process"). 100 transmits to the first bank server 410a the difference between the managed account and the first transaction account. Specifically, the server device 100 subtracts the payment amount from the secured amount. The amount of the transfer is 25,000 yen, so in order to transfer this 25,000 yen back to the account of the first trader, The server 410a is instructed to transfer the difference from the management account to the first trader's account. If the difference is negative, the server device 100 sends the following to the first bank server 410a: 1. You may instruct the transfer of the difference from the trader account to the management account.

[0046] (11) The first bank server 410a receives the transfer instruction (return instruction) of (10) above. Then, the difference is transferred between the management account and the first trader's account. At the same time, the first bank server 410a also subtracts the difference from the balance of the first trader's account and manages The first bank server 410a may increase the balance of the account by the difference. The balance may be deducted by 25,000 yen and the balance in the first trader's account may be increased by 25,000 yen.

[0047] (12) The server device 100 performs a payment to the second transactor in the product purchase transaction. Therefore, the first bank server 410a is notified of the transfer of the settlement amount from the management account to the second transaction account. Instruct the following.

[0048] (13) The first bank server 410a receives the transfer instruction (payment instruction) of (12) above. In this case, the settlement amount will be transferred between the management account and the second trader's account. At this time, the first bank server 410a subtracts 5,000 yen from the balance of the managed account and Increase the account balance by 5,000 yen.

[0049] In this overview, the server device 100 provides a managed account and a first After instructing the transfer of the difference between the trading account and the management account, the settlement amount from the management account to the second trading account The server device 100 issues an instruction to the first bank server 410a to move the management account. After issuing an instruction to transfer the settlement amount between the management account and the second trading account, the transfer will be made from the management account to the first trading account. The server device 100 may instruct the first bank server 410a to transfer the difference to the , the transfer of settlement amounts between the management account and the second trading account, and the transfer of settlement amounts from the management account to the first trading account. The transfer of the difference may also be instructed.

[0050] With the above configuration, the payment support system 1 performs the following steps when validating the payment method of the first trader's account: By transferring the secured amount to a controlled account, the balance is prevented from being used for other transactions. Therefore, the payment support system 1 can provide a first transaction It takes time from confirming the validity of the payment method linked to your account to confirming the payment amount. Even in such a case, the possibility of settlement being impossible due to insufficient balance in the first trader's account is reduced. can be done.

[0051] With the above configuration, the payment support system 1 is an existing first bank system 400a (debit This can be achieved by utilizing the mechanism of the external system. For transactions that are not suitable for time transfers, for example, a credit limit can be set up on the account balance to allow other transactions to be settled there. It is possible to utilize existing mechanisms without building special functions to prevent unauthorized use of the system. This can reduce the possibility of being denied due to insufficient account balance.

[0052] <3. Functional configuration of the server device> The functional configuration of the server device 100 according to the present embodiment will be described with reference to FIG. As shown in the figure, the server device 100 includes a control unit 110, a communication unit 120, and a storage unit 130. Prepare.

[0053] The control unit 110 includes a receiving unit 111, an instruction unit 112, a confirmation unit 113, and a calculation unit 114. , and settlement section 115.

[0054] The reception unit 111 receives communication from the first engine device, the second engine device, and / or the management agency, etc. The reception unit 111 receives various types of information via the reception unit 120. The reception unit 111 includes a confirmation reception unit 111a. The confirmation receiving unit 111a receives a confirmation from the first trader device in a settlement of a transaction between a first trader and a second trader. 200a, or the second trader device 200b, linked to the first trader's first trader account. The payment processor 20 accepts a request to validate the payment method provided.

[0055] The reception unit 111 includes a notification reception unit 111b. The notification reception unit 111b is a first transaction device. The first trader's account settlement instrument is used to settle a transaction from the second trader's device 200a or the second trader's device 200b. A confirmation notice is received notifying the user that the settlement amount of the settlement has been confirmed.

[0056] The instruction unit 112 may include a first engine device, a second engine device, and / or a management device. The instruction unit 112 transmits various instructions to the management agency, etc. via the communication unit 120. The reservation instruction unit 112a is configured to receive the validity information received by the confirmation receiving unit 111a. to a first institution device of a first institution that manages a first trader account based on the request for confirmation of Instruct the transfer of the secured amount from the first trader's account to the management account. For example, the secured amount instruction unit 112 a is an update system AP provided by the bank server 410 when the first bank device is the bank server 410; You may call I to direct the transfer of this reserved amount.

[0057] The instruction unit 112 includes a payment instruction unit 112b. The payment instruction unit 112b is a management institution device. to transfer the settlement amount from the management account to the second trader's second trader account.

[0058] The confirmation unit 113 performs a verification based on a request for validity verification received by the verification reception unit 111a. The verification unit 113 verifies the validity of the payment method linked to the first transactor account. The payment method information stored in the memory 130 is compared to the payment method information of the source of the comparison to determine whether the payment method is within the validity period or has been suspended. In another example, the confirmation unit 113 may check whether the first silver The bank system 400a is inquired about the validity of the payment method, and the result of the confirmation of the validity is The confirmation result information indicating the above may be received and confirmed.

[0059] The calculation unit 114 calculates the allocated amount based on the determination notification received by the notification receiving unit 111b. Calculate the difference between the amount secured and the confirmed payment amount. This difference is the difference between the secured amount and the confirmed payment amount. Any amount showing the difference between the amount and the actual amount may be used.

[0060] The settlement unit 115 calculates the amount by the calculation unit 114 based on the result of the validity check by the check unit 113. Then, a settlement process is executed to settle the difference between the calculated secured amount and the settlement amount.

[0061] The settlement unit 115 may include, for example, a difference transfer unit 115a. As a settlement process, the payment is subtracted from the secured amount based on the difference between the secured amount and the confirmed settlement amount. If the amount is a positive number, the management institution transfers the amount from the management account to the first transaction account. On the other hand, the difference transfer unit 115a may instruct the transfer of the amount to the account as a settlement process. The amount calculated by subtracting the confirmed payment amount from the guaranteed amount based on the difference between the guaranteed amount and the payment amount. If is a negative number, the first trader's account is transferred to the first institution device that manages the first trader's account. Direct the transfer of that amount to a controlled account.

[0062] The communication unit 120 communicates with the transaction device 200 and / or the bank system via the network N. The communication unit 120 transmits and receives various information to the system 400, etc. via the network N, for example. The first trader's account is used to receive transaction information transmitted from the trader's device 200 and to use the first trader's account. and transmits various fund transfer instructions to the bank system 400.

[0063] The storage unit 130 may store transaction information and account information. A database management system (DBMS) may be used to store each piece of information, or a file may be used. If a DBMS is used, each piece of information is stored in the database. Alternatively, a table may be provided for each information item, and each information item may be managed by associating the tables with each other.

[0064] <4. Example of operation> An example of the operation of payment support system 1 according to this embodiment will be described with reference to FIGS. In the payment support system 1, after accepting input of transaction information from a transactor, A sequence showing the process flow up to the confirmation of the validity of the payment method of the withdrawer's account and the interaction of each device. The order and units of the processes shown below are merely examples and may be changed as appropriate. This may also be the case.

[0065] As shown in FIG. 4, the trader device 200 accepts input of transaction information from a trader (S 10). The trader device 200 receives the accepted trade information and the first trade indicated by the trade information. The server device 100 receives a request for verifying the validity of the payment method of the customer's account (S11 ).

[0066] The reception unit 111 (including the confirmation reception unit 111a) of the server device 100 receives the received transaction. The server device 100 receives the request for confirmation and the inquiry information (S12). Based on this validation request, the first trader's account is validated (S13).

[0067] The trader device 200, the server device 100, the first authority device, and the management authority device are If the validity of the payment method of the customer's account is confirmed (OK), the composite fragment alt1 Execute the process above the dashed line in the area indicated by (alternative 1). Specifically, the reservation instruction unit 112a of the server device 100 issues a first transaction request to the first reservation device. The first device transmits an instruction to transfer the secured amount from the customer's account to the management account (S14). The first engine device receives a movement instruction transmitted from the server device 100 (S15). Based on the accepted transfer instruction, the secured amount is transferred from the first trader's account to the management account. The first engine device executes a process related to the above (hereinafter, also referred to as a "movement process") (S16). In response to the transfer instruction, the server device transmits funds transfer information indicating the result of the transfer process of the secured amount. Send to 100 (S17).

[0068] The confirmation unit 113 of the server device 100 sends confirmation information indicating the result (OK) of the validity confirmation. The transaction device 200 then transmits the received fund transfer information (S18). 200 receives the confirmation information and movement information transmitted from the server device 100 and outputs them on the screen. The trader device 200 receives a notification from the trader that the settlement amount of the transaction has been determined (S19). The trader device 200 receives the input (S20). The trader device 200 notifies the user that the settlement amount has been confirmed. The notification receiving unit of the server device 100 transmits a confirmation notification to the server device 100 (S21). The server 111b receives the confirmation notification sent from the trader device 200 (S22). The calculation unit 114 of the device 100 calculates the secured amount and the confirmed payment amount based on the confirmation notification. The difference between the two is calculated (S23). The flow of the subsequent processes and interactions are shown in Figure 5. .

[0069] The trader device 200, the server device 100, the first authority device, and the management authority device are If the validity of the payment method of the customer's account cannot be confirmed (NG), The process below the dashed line in the area indicated by lt1 is executed. The confirmation unit 113 of the transaction 00 transmits the confirmation information indicating the result of the validity confirmation (NG) to the transaction device 2. 00 (S25). The trader device 200 transmits the confirmation transmitted from the server device 100 to the The information is received and output as an error on the screen (S26).

[0070] FIG. 5 is a flow chart showing a process for calculating the difference between the finalized amount and the settlement amount in FIG. 4 in the settlement support system 1. This is a sequence diagram showing the flow of processing after the process and the interactions of each device. The order and units of processing shown are merely examples and may be changed as appropriate.

[0071] As shown in FIG. 5, a trader device 200, a server device 100, a first authority device, a management authority device The amount is calculated by subtracting the confirmed settlement amount from the secured amount based on the difference calculated above ( If the difference is a positive number, the composite fragment alt2 (alte rnative2) performs the processing above the dashed line in the area indicated by the composite file. Within the area above the dashed line in the area indicated by fragment para (Parallel) Specifically, the server device 100 performs the payment instruction in the area below the payment area in parallel. The unit 112b instructs the management device authority to transfer the settlement amount from the management account to the second trader's account. The management organization device transmits the transfer instruction transmitted from the server device 100 (S30). The management organization device receives the movement instruction (S31). The management institution device executes a transfer process of the settlement amount from the account to the second transactor's account (S32). In response to the transfer instruction, the server device transmits funds transfer information indicating the result of the transfer process of the settlement amount. The information is transmitted to the device 100 (S33).

[0072] In parallel with the above step S30, the difference transfer unit 115a of the server device 100 transfers the reserved amount and As a settlement process for the difference with the settlement amount, the management institution device transfers the amount from the management account to the first transaction account. The management institution device transmits an instruction to transfer the difference to the account (S34). The management agency device accepts the received movement instruction (S35). Based on the instruction, the transfer process of the difference is executed from the management account to the first trader's account (S36). The management institution device, in response to the transfer instruction, transmits funds transfer information indicating the result of the transfer process of the difference. The composite fragment para (Paral What is the difference between the processing in the area above the dashed line and the processing in the area below the dashed line in the area indicated by lel)? However, the processes are not limited to parallel processes, and either one of them may be processed first. In step S34, either of the movement instructions may be sent first.

[0073] The payment instruction unit 112b and the difference transfer unit 115a of the server device 100 are The transmitted fund transfer information is received and transmitted to the transactor device 200 (S38). 200 receives the movement information transmitted from the server device 100 and outputs it on the screen (S39 ).

[0074] As shown in FIG. 5, a trader device 200, a server device 100, a first authority device, a management authority device The placement is based on the difference calculated above, and if the difference is a negative number, the composite fragment alt In the area indicated by 2, the server device 100 executes the process below the dashed line. The difference transfer unit 115a transfers the difference to the first transaction device in order to charge the first transaction device an additional amount. Then, the first institution transmits an instruction to transfer the difference from the first trader's account to the management account (S40). The first device receives a movement instruction transmitted from the server device 100 (S41). Based on the accepted transfer instruction, the transferor transfers the difference from the first trader's account to the management account. In response to the transfer instruction, the first transfer device transfers the difference (S42). The server device 100 transmits fund transfer information indicating the result of the process (S43). The processing described in steps 44 to 47 above is the processing described in steps 40 to 43 above. It may be executed before or in parallel with the above.

[0075] The payment instruction unit 112b of the server device 100 transfers the second payment from the management account to the management device authority. The management institution device transmits an instruction to transfer the settlement amount to the transaction account (S44). The management organization device receives the transfer instruction transmitted from the management organization device 100 (S45). Based on the transfer instruction received, the transfer process of the settlement amount from the management account to the second transaction account is carried out. In response to the transfer instruction, the management institution device transmits the result of the transfer process of the settlement amount (S46). The server device 100 transmits funds transfer information indicating the above (S47).

[0076] The payment instruction unit 112b and the difference transfer unit 115a of the server device 100 are The transmitted fund transfer information is received and transmitted to the transactor device 200 (S48). 200 receives the movement information transmitted from the server device 100 and outputs it on the screen (S49 ).

[0077] <5. Hardware configuration> Referring to FIG. 6, the above-described server device 100 is realized by a computer 800. An example of the hardware configuration in this case will be described. Note that the functions of each device can be realized by multiple devices. This can also be realized by dividing the

[0078] As shown in FIG. 6, a computer 800 includes a processor 801, a memory 803, and a A storage device 805, an input I / F unit 807, a data I / F unit 809, and a communication I / F unit 811 , and a display device 813.

[0079] The processor 801 executes a program stored in the memory 803. It controls various processes in the computer 800. For example, the control unit of the server device 100 Each functional unit of the device 110 executes a program temporarily stored in the memory 803 by the processor 8 This can be achieved by implementing 01.

[0080] The memory 803 is, for example, a storage device such as a RAM (Random Access Memory). The memory 803 is a storage medium for storing the program executed by the processor 801. It temporarily stores program code and data required for program execution.

[0081] The storage device 805 is, for example, a hard disk drive (HDD) or a flash memory. The storage device 805 is a non-volatile storage medium. In addition, the storage device 805 stores various programs for realizing the transaction information and and / or a table for registering account information and a DB for managing said table. Such programs and data can be loaded into the memory 803 as required. This allows the processor 801 to reference it.

[0082] The input I / F unit 807 is a device for receiving input from a user. Specific examples of the / F unit 807 include a keyboard, a mouse, a touch panel, various sensors, The input I / F unit 807 is, for example, a USB (Universal Serial Bus) The computer 800 is connected to the computer 800 via an interface such as a RS Serial Bus. This may be continued.

[0083] The data I / F unit 809 is a device for inputting data from outside the computer 800. A specific example of the data I / F unit 809 is data stored in various storage media. The data I / F unit 809 is a computer 8 In that case, the data I / F unit 809 may be provided outside the NI 00. It is connected to a computer 800 via an interface such as a USB.

[0084] The communication I / F unit 811 is a device that communicates with an external device of the computer 800 via wire or wirelessly. The communication I / F unit 811 is a device for performing data communication via the Internet N. In this case, the communication I / F unit 8 may be provided outside the computer 800. 11 is connected to a computer 800 via an interface such as a USB.

[0085] The display device 813 is a device for displaying various information. Examples include liquid crystal displays and organic electroluminescence (EL) displays. nce displays, wearable device displays, etc. The display device 813 may be provided outside the computer 800. In that case, the display device 813 The input is connected to the computer 800 via a display cable or the like. When a touch panel is used as the input I / F unit 807, the display device 813 receives the input I It is possible to configure it integrally with the / F section 807 .

[0086] [Second embodiment] Next, a second embodiment of the present invention will be described. The first embodiment is a first trader account settlement The secured amount was transferred to a managed account when the validity of the financial instrument was confirmed. The embodiment is a timing independent of the timing of the validation and therefore the timing of the transaction. In this embodiment, the secured amount is transferred to the managed account. The following mainly describes the differences from the first embodiment. Reveal.

[0087] <1. Functional configuration of the server device> An example of the functional configuration of the server device 100 according to this embodiment will be described. The server device 100 includes a communication unit 120 and a storage unit 122 of the server device 100 according to the first embodiment. 130, and the control unit 110 includes a reception unit 111 and The device includes a common instruction unit 112, a confirmation unit 113, a calculation unit 114, and a settlement unit 115.

[0088] The reception unit 111 may include, for example, an instruction reception unit (not shown). A reservation instruction for reserving funds for settlement of a transaction sent from the trader device 200a is received. can.

[0089] The securing instruction unit 112a, for example, instructs the first institution to provide a secured amount to the first institution device of the first institution. A transfer from a trader account to a custodian account may be indicated.

[0090] The payment instruction unit 112b, for example, in response to the settlement notice received by the notice receiving unit 111b, Based on the above, the management institution device of the management institution receives a settlement amount from the management account to the second trader's account. The user may instruct the player to move the player.

[0091] According to the above configuration, the managed account is secured without relying on transaction-related processing, including authorization processing, etc. The insured amount can be transferred in advance to secure funds for the settlement of the transaction. It is possible to provide a system with high flexibility.

[0092] <2. Example of operation> An example of the operation of payment support system 1 according to this embodiment will be described with reference to FIGS. In the payment support system 1, an input of an instruction to secure funds for the payment amount is received from a first transactor. The process flow from receipt to transfer of the secured amount to the managed account and the interaction of each device In this example, the trigger for the transfer of the secured amount is set by the first transactor. An example of an event-driven system in which instructions are given by the user will be described, but the present invention is not limited to this. For example, The trigger for transferring the reserved amount may be a pre-scheduled timing.

[0093] As shown in FIG. 7, the first transactor device 200a receives a settlement request for a transaction from the first transactor. Accept input of instructions to secure funds (specifically, instructions to transfer the secured amount to the management account) ( The first transactor device 200a transmits the received reservation instruction to the server device 10. The instruction receiving unit of the server device 100 transmits the instruction to the first transactor device 200. The server device 100 receives the reservation instruction sent from the reservation instruction unit 11 a (S52). 2a, for example, based on this reservation instruction, to the first engine device of the first engine, The first transaction device instructs the transfer of the transaction amount from the first transaction account to the management account (S53). The first engine device receives the movement instruction transmitted from the engine device 100 (S54). Based on the received transfer instruction, the transfer process of the secured amount from the first trading account to the management account is performed. In response to the transfer instruction, the first transfer device executes the transfer process of the secured amount (S55). The server device 100 transmits funds transfer information indicating the result of the above to the server device 100 (S56). The securing instruction unit 112a instructs the payment in response to the securing instruction based on the fund transfer information. The first transactor device 200a transmits reservation information indicating the result of reservation of funds for the transaction (S5 7) The first transactor device 200a receives the securing information transmitted from the server device 100. and outputs it to the screen (S58).

[0094] FIG. 8 shows the process of accepting transaction information from a trader in the payment support system 1. The process flow up to payment to the second trader's account of the second trader and the interaction of each device are shown. FIG.

[0095] As shown in FIG. 8, the trader device 200 accepts input of transaction information from the trader (S 60). The trader device 200 receives an input of a settlement amount for a transaction from the trader. The transactor device 200 receives the accepted transaction information and the settlement amount (S61). A notification of the determination is sent to the server device 100 (S62).

[0096] The reception unit 111 (including the notification reception unit 111b) of the server device 100 receives the received notification. The payment instruction unit 112b of the server device 100 receives the payment information and the confirmation notice (S63). sends an instruction to the management device institution to transfer the settlement amount from the management account to the second trader's account The management organization device receives the transfer instruction sent from the server device 100 (S64). The management institution device transfers the money from the managed account based on the received transfer instruction (S65). The management institution device executes a transfer process of the settlement amount to the second transactor's account (S66). In response to the instruction, the server device 100 transmits funds transfer information indicating the result of the transfer process of the settlement amount. The calculation unit 114 of the server device 100 transmits the fund transfer information based on the fund transfer information (S67). The difference between the secured amount and the settlement amount is calculated (S68).

[0097] The trader device 200, the server device 100, the first authority device, and the management authority device Based on the difference, if the difference is a positive number, the composite fragment alt3 (alternate tive3) executes the process above the dashed line in the area indicated by the server. The difference transfer unit 115a of the device 100 performs a process of settling the difference between the reserved amount and the settlement amount by the management. The transaction manager transmits an instruction to transfer the difference from the managed account to the first trader's account (S6 9). The management organization device receives the transfer instruction sent from the server device 100 (S70 The management institution device transfers the first transaction amount from the management account based on the received transfer instruction. The management institution device executes the transfer process of the difference to the account (S71). Then, the server device 100 transmits funds transfer information indicating the result of the transfer process of the difference (S72). .

[0098] The trader device 200, the server device 100, the first authority device, and the management authority device Based on the difference between the two, if the difference is a negative number, the area indicated by the composite fragment alt3 is Specifically, the server device 100 performs the process shown above the dashed line. a) is a person who has a first transaction account with the first engine device in order to claim the difference from the first transaction. The first account transfer device transmits an instruction to transfer the difference from the first account to the management account (S73). The first engine device receives the movement instruction transmitted from the first engine device 100 (S74). Based on the transfer instruction, the transfer process of the difference is carried out from the first trading account to the management account ( In response to the transfer instruction, the first engine device sends a data sheet indicating the result of the transfer process of the difference. The money transfer information is transmitted to the server device 100 (S76).

[0099] The payment instruction unit 112b and the difference transfer unit 115a of the server device 100 are The transmitted fund transfer information is received and transmitted to the transactor device 200 (S77). 200 receives the movement information transmitted from the server device 100 and outputs it on the screen (S78 ).

[0100] Before executing the processes in steps S64 to S67, the server device 100 Execute the processes described in steps S69 to S76 for the area indicated by the composite fragment alt3. In this case, the calculation unit 114 of the server device 100 may determine the confirmation amount based on the transaction information. The difference between the insurance amount and the settlement amount is calculated (S68). 112b is a procedure for transferring the difference (S72 or S76) to the management device institution. Then, an instruction to transfer the settlement amount from the management account to the second transactor's account is sent (S64).

[0101] [Third embodiment] Next, a third embodiment of the present invention will be described. In the past, the difference between the settlement amount and the deposit amount was settled, but in this embodiment, the secured amount is temporarily set to the full amount. In this embodiment, the money is returned to the account of the first trader. The following mainly describes the differences from the first embodiment. .

[0102] <Server device functional configuration> An example of the functional configuration of the server device 100 according to this embodiment will be described. The server device 100 includes a communication unit 120 and a storage unit 122 of the server device 100 according to the first embodiment. 130, and the control unit 110 includes a reception unit 111 and The device includes a common instruction unit 112, a confirmation unit 113, a calculation unit 114, and a settlement unit 115.

[0103] The instruction unit 112 may include, for example, a refund instruction unit (not shown). Based on the notification of determination received by the reception unit 111b, the management institution sends the management institution's management institution device and instructs the transfer of the secured amount from the management account to the first trader's account.

[0104] The notification receiving unit 111b may, for example, receive a notification in response to an instruction to transfer the secured amount from the instruction unit 112. The management institution device then sends a notification indicating that the secured amount has been transferred from the management account to the first trader's account. A refund notice may be received from the customer.

[0105] The payment instruction unit 112b, for example, in response to the refund notice received by the notice receiving unit 111b, In response, a first institution device is provided with a settlement from the first trader's account to the second trader's account of the second trader. The user may also instruct the transfer of the settled amount.

[0106] The refund instruction unit issues an instruction to transfer the secured amount when the difference calculated by the calculation unit 114 is a negative value. may be discontinued.

[0107] The communication unit 120 may include a transmission unit (not shown). When the difference is a negative value, the transmission unit The first transactor device 200a or the second transactor device 200b receives the settlement amount of the transaction. Send an error notification indicating the insurance amount has been exceeded.

[0108] The control unit 110 may include, for example, an acquisition unit (not shown). Based on the above, the account information of the first trader, including the available balance of the first trader's account (hereinafter, the "first In this case, the refund instruction unit obtains the first trader account information. Based on this, even if the difference is a negative number, the sum of the difference and the available balance is a positive number. In this case, the sending unit may instruct the transfer of the secured amount. Therefore, even if the difference is a negative number, if the sum of the difference and the available balance is a positive number, does not have to send an error notification indicating that the settlement amount of the transaction exceeds the reserved amount. stomach.

[0109] The above-described embodiment is merely an example for explaining the present invention, and the present invention is not limited to the above embodiment. Furthermore, the present invention can be applied in various ways without departing from the spirit of the present invention. In addition, those skilled in the art will recognize that the following elements may be substituted with equivalents. It is possible to adopt other embodiments, and such embodiments are also included in the scope of the present invention. do.

[0110] [Variations] Although the present invention has been described based on the above embodiment, the present invention can also be applied to the following cases. is included.

[0111] [First Modification] At least a part of each component in the server device 100 according to the above embodiment is a trader device. For example, the trader device 200 may include a dedicated application for the payment support system 1. The application is implemented with all the functions of the server device 100, and the transaction device 200 and the bank The present invention may be implemented through interaction with row server 410 .

[0112] [Second modified example] Although not shown in the above embodiment, the transaction targeted by the payment support system according to the present invention is The payment support system according to the present invention is not limited to purchase transactions at a store. This can also be applied to transactions such as (a) to (d) below. (A) Services that take a long time from the time of validity confirmation for hotels or cruise ships to the time of confirmation of the payment amount Business transactions (e.g., authorization at check-in and sales at check-out) (Services to be confirmed above) (a) Transactions for which an authorization environment cannot be established (in-flight sales, offline payments at the cash register) (Completed, etc.) (c) Transactions using POS at gas stations (e.g., authorization processing and sales confirmation processing) But at different times, etc.), (D) Transactions using online wallets (e.g., face-to-face EC, metaverse games, etc.) (Time difference processing, etc.)

[0113] [Third Modification] The various methods of transferring funds between accounts described in the above embodiment (for example, bank account transfers, Each of these methods (e.g., transfers) can be substituted with a different method of transferring funds. [Explanation of symbols]

[0114] 1... payment support system, 100... server device, 110... control unit, 111... reception unit, 11 2...instruction unit, 113...confirmation unit, 114...calculation unit, 115...settlement unit, 120...communication unit, 13 0...storage unit, 200...transaction device, 200a...first transaction device, 200b...second transaction device 400...bank system, 410...bank server, 800...computer, 801...processor processor, 803... memory, 805... storage device, 807... input I / F unit, 809... data I / F section, 811...Communication I / F section, 813...Display device.

Claims

1. On the computer, In a settlement of a transaction between a first trader and a second trader, a first trader device of the first trader, or from a second trader device of the second trader, a first trader account associated with the first trader's first account. A confirmation reception function that receives a request for confirmation of the validity of a payment method; a verification function for verifying the validity of the payment method based on the request; Based on the result of the validation, a first institution that manages the first trader's account a reservation instruction instructing the device to transfer a reservation amount from the first trader account to a management account. Functions and A notice from the first transactor device or the second transactor device that the settlement amount of the settlement has been determined A notification reception function that receives a confirmation notification that notifies the user of the above. Based on the notification of determination, a calculation is made of the difference between the secured amount and the determined settlement amount. Output function, A settlement function for executing a settlement process for settling the difference; The second management account is transmitted from the management account to a management institution device of a management institution that manages the management account. A payment instruction function for instructing the transfer of the settlement amount to the second trader's account of the trader. R, program.

2. On the computer, The first institution device of the first institution that manages the first trader's account of the first trader provides the secured amount. a reservation instruction function for instructing a transfer from the first trader account to a management account; In the settlement of the transaction between the first trader and the second trader, a first trader device of the first trader or from a second trader device of the second trader, a settlement transaction associated with the first trader account. A notification receiving function for receiving a confirmation notification that notifies the user that the payment amount of the payment by the payment method has been confirmed; 、 Based on the notification of determination, a management institution device of a management institution that manages the managed account is Directing a transfer of the settlement amount from the managed account to a second trader account of the second trader. A payment instruction function; A calculation function for calculating a difference between the secured amount and the confirmed settlement amount; A settlement function for executing a settlement process for settling the difference. program.

3. The settlement function includes a difference transfer function, The difference transfer function is As the settlement process, the determined settlement amount is subtracted from the secured amount based on the difference. If the subtracted amount is a positive number, the management institution device performs the first withdrawal from the management account. If the amount is a negative number, the first transaction account shall be transferred to the second transaction account. The transfer of the amount from the first trader's account to the management account is then made to a first institution that manages the account. Directing the movement, 3. The program according to claim 1 or 2.

4. On the computer, In a settlement of a transaction between a first trader and a second trader, a first trader device of the first trader, or from a second trader device of the second trader, a first trader account associated with the first trader's first account. A confirmation reception function that receives a request for confirmation of the validity of a payment method; a verification function for verifying the validity of the payment method based on the request; Based on the result of the validation, a first institution that manages the first trader's account a settling instruction instructing the device to transfer the settling amount from the first trader account to a management account. Display function, A notice from the first transactor device or the second transactor device that the settlement amount of the settlement has been determined A notification reception function that receives a confirmation notification that notifies the user of the above. Based on the notification of determination, a management institution device of a management institution that manages the managed account is a refund instruction function for instructing the transfer of the secured amount from the management account to the first trader account; , to realize program.

5. The computer includes: A calculation function for calculating an amount obtained by subtracting the confirmed settlement amount from the secured amount; The refund instruction function is to instruct the transfer of the reserved amount when the subtracted amount is a negative value. Stop the indication, If the subtraction amount is a negative number, the first transactor device or sends an error notification to the second transactor device indicating that the settlement amount exceeds the reserved amount. The transmission function that can receive and transmit data is realized. The program according to claim 4.

6. The computer determines the available balance of the first trader's account based on the determination notice. Further realizing an acquisition function for acquiring first trader account information including: The refund instruction function is to instruct the user to refund the amount of the deduction even if the amount of the deduction is a negative number. If the sum of the amount and the balance is a positive number, instruct the transfer of the secured amount, The sending function may transmit the deducted amount even if the deducted amount is a negative number. if the sum of the amount and the balance is a positive number, then do not send the error notification; The program according to claim 5.

7. The notification receiving function receives, in response to the instruction, from the management institution device, receiving a notification indicating that the secured amount has been transferred from the first trader's account to the first trader's account; In response to the notification, the computer notifies the first transaction party to the first institution device. a payment instruction function for instructing the transfer of the settlement amount from the account to a second trader account of the second trader; To further realize The program according to claim 4.

8. The first authority and the management authority are the same authority; The program according to any one of claims 1, 2, 4 to 7.

9. In a settlement of a transaction between a first trader and a second trader, a first trader device of the first trader, or from a second trader device of the second trader, a first trader account associated with the first trader's first account. a confirmation receiving unit that receives a request for confirming the validity of a payment method; a verification unit that verifies the validity of the payment method based on the request; Based on the result of the validation, a first institution that manages the first trader's account a reservation instruction instructing the device to transfer a reservation amount from the first trader account to a management account. Department and A notice from the first transactor device or the second transactor device that the settlement amount of the settlement has been determined A notification receiving unit that receives a confirmation notification notifying the user of the above; Based on the notification of determination, a calculation is made of the difference between the secured amount and the determined settlement amount. With A settlement unit that executes a settlement process for settling the difference; The second management account is transmitted from the management account to a management institution device of a management institution that manages the management account. and a payment instruction unit for instructing the transfer of the settlement amount to the second trader account of the trader. Information processing device.

10. The computer In a settlement of a transaction between a first trader and a second trader, a first trader device of the first trader, or from a second trader device of the second trader, a first trader account associated with the first trader's first account. Accept a request to validate a payment instrument; Validating the payment method based on the request; Based on the result of the validation, a first institution that manages the first trader's account instructing the device to transfer a secured amount from the first trader account to a management account; A notice from the first transactor device or the second transactor device that the settlement amount of the settlement has been determined Accept the confirmation notice informing you of the above. Calculate the difference between the secured amount and the confirmed settlement amount based on the confirmation notice; Execute a settlement process for settling the difference, The second management account is transmitted from the management account to a management institution device of a management institution that manages the management account. directing a transfer of the settlement amount to a second trader account of the trader; Information processing methods.

11. The computer In a settlement of a transaction between a first trader and a second trader, a first trader device of the first trader, or from a second trader device of the second trader, a first trader account associated with the first trader's first account. Accept a request to validate a payment instrument; Validating the payment method based on the request; Based on the result of the validation, a first institution that manages the first trader's account instructing the device to transfer a secured amount from the first trader account to a management account; A notice from the first transactor device or the second transactor device that the settlement amount of the settlement has been determined Accept the confirmation notice informing you of the above. Calculate the difference between the secured amount and the confirmed settlement amount based on the confirmation notice; The second management account is transmitted from the management account to a management institution device of a management institution that manages the management account. Instruct the trader to transfer the settlement amount to a second trader account; Execute a settlement process for settling the difference. Information processing methods.

12. The computer The first institution device of the first institution that manages the first trader's account of the first trader provides the secured amount. Instruct the transfer from the first trader account to a management account; In the settlement of the transaction between the first trader and the second trader, a first trader device of the first trader or from a second trader device of the second trader, a settlement transaction associated with the first trader account. receiving a confirmation notice informing the user that the payment amount for the payment by the payment method has been confirmed; Based on the notification of determination, a management institution device of a management institution that manages the managed account is directing a transfer of the settlement amount from the management account to a second trader account of the second trader; Calculate the difference between the secured amount and the confirmed settlement amount; Execute a settlement process for settling the difference. Information processing methods.

13. The computer The first institution device of the first institution that manages the first trader's account of the first trader provides the secured amount. Instruct the transfer from the first trader account to a management account; In the settlement of the transaction between the first trader and the second trader, a first trader device of the first trader or from a second trader device of the second trader, a settlement transaction associated with the first trader account. receiving a confirmation notice informing the user that the payment amount for the payment by the payment method has been confirmed; Calculate the difference between the secured amount and the confirmed settlement amount; Execute a settlement process for settling the difference, Based on the notification of determination, a management institution device of a management institution that manages the managed account is directing a transfer of the settlement amount from the custody account to a second trader account of the second trader; Information processing methods.

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