Payment management device, payment management method, and program

Abstract

To improve convenience of electronic money in an electronic payment service responding to digital salary payment.SOLUTION: A payment management device cooperates with an application program operating in a terminal device of a user to provide an electronic payment service to the user and comprises: a payment processing unit which implements the electronic payment service; and a management unit which manages a balance usable by the user as electronic money in the electronic payment service as a first type of balance and a second type of balance separately. With respect to the types of balance of the electronic money, the management unit manages setting of priority levels of the types of balance for use in payment using the electronic payment service, for each user as setting which the user can change. When the user selects an electronic money balance for payment, the payment processing unit uses the electronic money balance on the basis of the priority levels.SELECTED DRAWING: Figure 1

Description

[Technical field]

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

[0002] In recent years, digital payroll (digital payroll payment), in which wages (salaries) are paid by transferring electronic money between the accounts of a company and an employee at a money transfer service provider, has been institutionalized. In response to this, methods of providing digital payroll services to users are being considered (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 7330412 Summary of the Invention [Problem to be solved by the invention]

[0004] With conventional technology, the convenience of receiving electronic money through digital wages could be low.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide a payment management device, a payment management method, and a program that can improve the convenience of electronic money in an electronic payment service that supports digital salary payments. [Means for solving the problem]

[0006] One aspect of the present invention is a payment management device that provides an electronic payment service to a user in cooperation with an application program running on the user's terminal device, and includes a payment processing unit that realizes the electronic payment service, and a management unit that manages the balance that a user can use as electronic money in the electronic payment service, dividing it into a first balance type and a second balance type, wherein the management unit manages, for each user, a priority setting for the balance types of the electronic money to be used when making a payment using the electronic payment service, as a setting that can be changed by the user, and the payment processing unit uses the electronic money balance based on the priority when electronic money balance is selected as the payment method at the time of payment by the user. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide a payment management device, a payment management method, and a program that can improve the convenience of electronic money in an electronic payment service that supports digital salary payment. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] 1 is a configuration diagram of a payment server 100 according to a first embodiment. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] 13 is a sequence chart showing an example of a process flow for realizing electronic payment applying balance type priority order for a user who has set up digital payroll. [Figure 8]FIG. 13 is a diagram showing an example of settings of balance type priority order. [Figure 9] FIG. 13 is a diagram showing an example of screen transitions when balance type priority is preset before a transaction is created. [Figure 10] FIG. 13 is a diagram showing an example of the settings of balance type priority order when the priority order of balance types is set for each purpose of electronic payment. [Figure 11] FIG. 13 is a diagram showing an example of screen transitions when setting the priority order of balance types for each purpose of electronic payment. [Figure 12] FIG. 13 is a diagram showing an example of a screen transition when setting balance type priority when creating a transaction (immediately before the transaction is executed). [Figure 13] FIG. 1 is a diagram illustrating an automatic remittance function for automatically remitting a specified amount using electronic money to a remittance destination registered in advance in remittance using electronic payment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of the payment management device, the payment management method, and the program of the present invention will be described. Various devices for providing services to users and performing internal analysis, such as the "server", "management device", and "information providing device" that will appear below, may be realized by a group of distributed devices, and each device may be operated by a different business operator. Furthermore, the owner of the hardware of the device (the cloud server provider) and the business operator that actually operates the device may also be different. The application program and the payment server work together to provide the electronic payment service. In the following description, the application program is referred to as a payment application. The electronic payment service is a service that supports payments related to the purchase of goods and services at a store. The store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for electronic commerce. The virtual store may include one provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for shopping at the virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In the electronic payment service, the store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at the store is mainly performed between the user and the affiliated store. Alternatively, processing such as settlement may be carried out between the user and the store. In addition to the above-mentioned settlement function (first function), the electronic settlement service can provide a function (second function) of transferring electronic money between users, and a function (third function) of withdrawing the electronic money of a user (for example, to the user's bank account, etc.).

[0010] [Electronic payment service] Fig. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, 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, and the like.

[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, 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 application 20, thereby operating to provide an electronic payment service to a user in cooperation with a payment server 100. The payment application 20 is installed in 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 second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like made by 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 a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0014] 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 the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the payment information is sent from the first store terminal device 50.

[0015] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2.

[0016] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which store-identifying information is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0017] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a 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 store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0018] 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, issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In 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.

[0019] [Digital salary payment] In addition to the basic functions of the electronic payment service described above, the payment server 100 has a function of providing a digital salary payment service (hereinafter referred to as the "digital salary service") in which a part or all of a salary is received as electronic money that can be used in the electronic payment service. The payment server 100 manages the balance that can be used as electronic money for a user who has registered to use the digital salary service, in first to fourth balance types. Hereinafter, for simplicity, the balance that can be used as electronic money is collectively referred to as the "electronic money balance." Note that the balance type of the electronic money balance is strictly maintained and managed. More specifically, in the electronic payment service, electronic money for each balance type is managed as a balance that cannot be converted into each other.

[0020] The first balance type is a salary-derived balance. The salary-derived balance is a balance that is managed when a user receives a salary from an employer or the like in the form of electronic money. The second balance type is a non-salary-derived balance that can be transferred to a bank. The third balance type is a non-salary-derived balance that is restricted so that it cannot be transferred to a bank. The fourth balance type is a balance of points that are given / refunded to a user in an electronic payment service. The first balance type and the second balance type can be used by a user who has verified his / her identity in the electronic payment service. The first balance type is a balance that can be transferred to a bank, similar to the second balance type. A user can use the first balance type by applying to use the digital salary service in the electronic payment service. On the other hand, a user who has not registered to use the digital salary service can use the second to fourth balance types. The salary-derived balance is an example of the first balance type, and the first balance type may be an electronic money balance that can be used by a user by applying to use the service.

[0021] Thus, in the electronic payment service of the embodiment, the balance type available to a user may differ for each user, and the available balance type for each user is managed in the payment server 100. For this reason, for example, when there are multiple balance types available to a user that can be withdrawn to a bank, etc., a priority of use to be applied at the time of withdrawal for the multiple balance types may be set for each user. For example, when there are three balance types A, B, and C for a certain user, and the priority is set in the order of A, B, and C, the user can withdraw electronic money using the balance types A, B, and C in that order.

[0022] The affiliated bank server 200 is a computer system of a bank (hereinafter referred to as the "affiliated bank") that provides a digital payroll service to users of the electronic payment service in partnership with the operator of the electronic payment service. The affiliated bank may be operated by the operator of the electronic payment service. The affiliated bank server 200 is composed of one or more computers, and can communicate with the payment server 100 and the payment source server 300 via the network NW. The affiliated bank server 200 may have only the functions necessary to realize the digital payroll service, or may have, in addition to those functions, functions for providing general banking services such as deposits and withdrawals, transfers, and remittances.

[0023] More specifically, the associate bank server 200 transfers a predetermined amount of the user's salary to the payment server 100 based on an instruction from the payment source server 300. The payment server 100 manages the salary-derived funds transferred from the associate bank server 200 in the form of electronic money. The associate bank server 200 transfers the amount of the user's salary minus the amount transferred to the payment server 100 to a bank account designated in advance by the user.

[0024] The payment source server 300 is a computer system of a bank where a business entity that pays a salary to a user has an account for managing funds for paying the salary to the user. The payment source server 300 is composed of one or more computers, and can communicate with the affiliated bank server 200 via a network NW. The bank that operates the payment source server 300 may be an affiliated bank, or may be a bank other than an affiliated bank.

[0025] [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 realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (storage device having a non-transient storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium in a drive device.

[0026] The storage unit 170 is a HDD, a flash memory, a 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.

[0027] 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.

[0028] 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 appropriately reads necessary content from the payment content information 174 and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0029] 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.

[0030] FIG. 5 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a deferred payment setting, a deferred payment limit, a deferred payment usage amount, a deferred payment available amount, a payment method setting, a bank account, a credit card number, charge history information, payment history information, a payment priority setting, a payment priority, a digital salary setting, and a balance type priority. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does 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.

[0031] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to an account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "completed" or "not completed." The deferred payment limit is the limit of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the deferred payment available amount is the amount of deferred payment that can be used in the current month, which is calculated by subtracting the deferred payment usage amount from the deferred payment limit. Although only one deferred payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by deferred payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. 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.).

[0032] The payment priority setting is information indicating whether or not the settings have been completed to enable the use of a function that automatically selects a payment method for electronic payments based on priority, and is set to either "completed" or "not completed". The payment priority is the priority of payment methods set by the user. The payment priority can be set by users whose payment priority setting is "completed". The digital payroll setting is information indicating whether or not the settings have been completed to enable receipt of payroll through the digital payroll service, and is set to either "completed" or "not completed". The balance type priority is the priority of balance types set by the user. The balance type priority can be set by users whose digital payroll setting is "completed".

[0033] In this embodiment, among the above-mentioned first to fourth balance types, the priority order can be set only between the first balance type and the second balance type, but the range in which the priority order can be set may be arbitrarily designed according to business policies, etc., as long as it complies with related laws and regulations. Note that for users whose digital salary setting is "Not yet", the default priority order is applied to the second to fourth balance types.

[0034] 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 name and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the location of the store, and payment patterns.

[0035] The information management unit 140 manages user information 172 and 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, and deletes the user information 172 and affiliated store / store information 176.

[0036] [Electronic payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0037] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit payment" in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the deferred payment limit. In order to receive the deferred payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used for deferred payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the available deferred payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform such processing. In addition, if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0038] [Electronic payment flow with balance type priority] Fig. 7 is a sequence chart showing an example of a process flow for realizing electronic payment to which the balance type priority order is applied for a user who has set up digital payroll. First, the user operates the user terminal device 10 to start the payment application 20, and operates the started payment application 20 to log in to the electronic payment service (S310). For example, the payment application 20 accepts input of account information (e.g., account ID and password) for the electronic payment service, and transmits a login request to the electronic payment service together with the input account information to the payment server 100 (S311). The payment server 100 performs authentication processing based on the received account information and user information 172, and returns the authentication result to the payment application 20 (S312).

[0039] Subsequently, the user operates the payment app 20 to display the setting screen for the balance type priority order (S320). At this time, the payment app 20 acquires the current setting value of the balance type priority order from the user information 172 and displays it on the setting screen (S321). If the user has not changed the settings in the past, the default setting value is displayed on the setting screen. The user checks the current setting value displayed on the setting screen and changes the setting content as necessary. When the setting content is changed, the payment app 20 updates the user information 172 with the changed setting content (S322). Through the process so far, a user who has set digital salary can set in advance which of the first balance type and the second balance type to give priority to in payments using the electronic money balance.

[0040] Next, assume that a transaction occurs for which the user should use the electronic money balance for payment. Here, the transaction to be settled using the electronic money balance is not limited to a specific one as long as it is a transaction that can be created using the payment app 20 and for which fund transfer by electronic money is permitted. For example, the transaction to be settled using the electronic money balance may be a payment to a franchise store, a transfer to another user, or a withdrawal to a bank account. The user operates the payment app 20 to display a screen (hereinafter referred to as the "transaction creation screen") for creating a transaction to be settled using the electronic money balance (S331). The transaction creation screen displayed here has a user interface for calling the setting screen for the balance type priority order. The user can call the setting screen for the balance type priority order and change the settings immediately before executing the transaction operation (S321 and S322) by operating the user interface as necessary (S332). Since the changed setting content is reflected in the payment server 100 in real time, the user can immediately apply the changed priority order content to the payment immediately before executing the transaction.

[0041] FIG. 8 is a diagram showing an example of the setting contents of the balance type priority order. As described above, in this embodiment, the balance of electronic money (including points) available to a user who has set up digital salary is managed by four types of balance types: electronic money balance derived from salary (first balance type), electronic money balance with no withdrawal limit to a bank account (second balance type), electronic money balance with withdrawal limit to a bank account (third balance type), and point balance (fourth balance type). The example of FIG. 8 shows a case where the fourth, third, second, and first priorities are set for the first balance type, the second balance type, the third balance type, and the fourth balance type, respectively. Also, the example of FIG. 8 shows a case where the priority order can be changed between the first balance type and the second balance type, and the priority order of the third balance type and the fourth balance type is fixed (cannot be changed) to the second and first, respectively. In other words, in this case, the user can select on the balance type priority setting screen whether the priority of the first balance type and the second balance type should be third and fourth, or fourth and third, respectively.

[0042] Return to FIG. 7. After changing the balance type priority setting as necessary, the user returns to the transaction screen, specifies the electronic money balance as the payment method, and executes the created transaction. As a result, a payment request (payment, remittance, withdrawal, etc.) for the transaction is sent to the payment server 100. When the payment server 100 accepts the payment request, it refers to the user information 172 and recognizes the balance type priority set for the user (S333). The payment server 100 executes the payment process for the transaction based on the balance type priority recognized in S333 (S334), and records information about the transaction together with the applied balance type priority setting in the payment history (S335). For example, if the transaction is a payment to an affiliated store, the payment amount is subtracted from the user's electronic money balance and added to the balance of the electronic payment account for managing the affiliated store's sales (S341). The affiliated store's sales are transferred to the affiliated store's bank account specified as the deposit destination at a predetermined timing (S342).

[0043] Also, for example, if the transaction is a remittance to another user, the payment amount is subtracted from the user's electronic money balance and added to the balance of the remittance destination user's electronic payment account (S351). Also, for example, if the transaction is a withdrawal to the user's bank account, the payment amount is subtracted from the user's electronic money balance and transferred to the remittance destination bank account (S361). In the case of the store scan method, the payment request is received from the first store terminal device 50 (S371). In this case, the payment application 20 may display a link to a balance type priority setting screen (S320) on the screen displaying the two-dimensional code for store scan. In this case, the user can immediately apply the contents of the priority set immediately before scanning to the payment by performing a store scan after changing the settings.

[0044] FIG. 9 is a diagram showing an example of screen transitions in a case where the balance type priority order is preset before the creation of a transaction. For example, an icon C1 for displaying a screen for the user to manage an account (account management screen) is arranged on the menu bar MB of the payment application 20, and the user can display the account management screen A1 by operating the icon C1. For example, an icon C2 for displaying a payment method management screen is arranged on the account management screen A1. The user can display the payment method management screen A2 by operating the icon C2. The payment method management screen A2 displays various setting menus MN related to payment methods. The setting menu MN includes a menu M1 for displaying a payment priority order setting screen. The user can display the payment priority order setting screen A3 by selecting the menu M1. The payment priority order setting screen A3 displays a switch SW3 for switching the payment priority order setting and a payment priority order setting interface IF3. The setting interface IF3 displays the available payment methods in the order of current priority order. For example, a user can change the priority of the payment method to a higher or lower level by selecting the payment method to be changed (e.g., by long pressing) and then moving it up or down (e.g., by swiping).

[0045] FIG. 9 shows a situation where the payment priority order is set in the order of credit payment P1 (credit) using an affiliated card, balance payment P2, and credit card payment P3 (credit card) using a card other than an affiliated card, in descending order of priority. Of these payment methods, balance payment P2 is configured as a link to a balance type priority order setting screen. By selecting balance payment P2, the user can display a balance type priority order setting screen A4. In the balance type priority order setting screen A4, a list LS1 of available electronic money balance types is displayed in order of current priority order. FIG. 9 shows a situation where the balance type priority order is set in the order of fourth balance type (point balance), third balance type (withdrawal to bank account not possible), first balance type (salary-derived balance), and second balance type (withdrawal to bank account possible), in descending order of priority. In this embodiment, the first and second balance types are the ones for which the user can change the priority order. On the other hand, the fourth and third balance types have fixed priorities and cannot be changed. That is, in this embodiment, the user can only switch the priority between the first balance type and the second balance type. For example, the user can change the priority of the balance type to a higher or lower level (third or fourth in the example of FIG. 9) by changing the balance type to a selected state (e.g., by a long press operation) and moving it up or down (e.g., by a swipe operation).

[0046] FIG. 10 is a diagram showing an example of the setting contents of balance type priority order when setting the priority order of balance type for each purpose of electronic payment. As shown in FIG. 10, the balance type priority order may be set for each purpose of electronic payment. FIG. 10 shows an example of the case where the balance type priority order is set for each of payment, remittance between users, and remittance (withdrawal) to a bank account. FIG. 11 is a diagram showing an example of screen transition when setting the priority order of balance type for each purpose of electronic payment. The screen transition in FIG. 11 is the screen transition in FIG. 9, in which a screen A23 for selecting the purpose of payment is added between the payment method management screen A2 and the payment priority setting screen A3. Due to space limitations, the account management screen A1 is omitted here.

[0047] The payment purpose selection screen A23 displays, for example, a list LS2 of payment purposes provided by an electronic payment service. Each payment purpose is linked to a payment priority setting screen A3. When a payment purpose is selected from the list LS2, the payment application 20 notifies the payment server 100 of the selection result and transitions to the payment priority selection screen A3. The payment server 100 acquires the contents set on the balance type priority setting screen A4 from the payment application 20, and saves the acquired settings in association with the payment purpose selected on the payment purpose selection screen A23. This enables the user to make payments with different balance type priorities for each electronic payment purpose.

[0048] FIG. 12 is a diagram showing an example of screen transitions when setting balance type priority when creating a transaction (immediately before executing the transaction). FIG. 12 shows a situation where a menu bar MB is displayed at the bottom of a top screen A5 of the payment application 20. An icon C3 for displaying a screen displaying a two-dimensional code for payment (a payment screen) is arranged on the menu bar MB, and a user can display a payment screen A6 by operating the icon C3. For example, on the payment screen A6, the payment method PC currently selected as the payment method to be used for payment (i.e., the payment method with the first priority) is displayed as a link to a payment method selection screen. A user can display the payment method selection screen A6 by selecting the current payment method PC.

[0049] FIG. 12 is an example of a case where the payment method selection screen A7 is displayed in the form of a half sheet in front of the payment screen A6. The payment method selection screen A7 displays a list of payment methods in a form in which the currently selected payment method can be visually confirmed. In the example of FIG. 12, a check mark CM indicates that the currently selected payment method is credit payment P1 (credit) using an affiliated card. On the other hand, the payment method selection screen A7 displays balance payment P2 together with detailed information SP on the balance type and a link LK to a setting screen for balance type priority. Here, the link LK is assumed to link to the setting screen A4 for balance type priority shown in FIG. 9, but the link LK may be a link to a setting screen provided for creating a transaction. In the case of FIG. 12, the user can display the setting screen A4 for balance type priority by selecting the link LK. The user can change the balance type priority just before executing the transaction by operating the setting screen A4.

[0050] [Automatic remittance function by prior registration] FIG. 13 is a diagram explaining an automatic remittance function that automatically remits a specified amount using electronic money to a remittance destination registered in advance in remittance using electronic payment. In addition to the above-mentioned functions, the payment server 100 has a function (automatic remittance function) of remitting a specified amount to a remittance destination registered in advance at a predetermined timing by electronic payment. A user who uses the automatic remittance function is assumed to pre-register settings (automatic remittance settings) such as the remittance destination, remittance timing, remittance amount, and balance type to be used in the payment server 100. For example, the payment server 100 is assumed to manage the automatic remittance settings for each user in the user information 172.

[0051] The example in Fig. 13 shows a case where various remittances are made when a salary is received through the digital salary service. In this case, first, the payment source server 300 transfers the user's salary to the affiliated bank server 200 (S41), and the affiliated bank server 200 transfers a part or all of the transferred salary as electronic money to the user's account in the payment server 100 (S42). The payment server 100 manages the amount transferred from the affiliated bank server 200 as a first balance type (derived from salary), and transfers the designated amount to various remittance destinations registered in advance by making an electronic payment using the electronic money of the first balance type (S43).

[0052] In this automatic remittance function, the setting of the balance type may specify the priority of the balance type to be used, or may specify one balance type to be used. In FIG. 13, the automatic remittance setting CF1 (XX card payment) specifies the priority of the balance type to be used, and in this example, the payment server 100 uses the electronic money balance to make a payment in the following priority order: the fourth balance type (points), the third balance type (cannot be withdrawn to a bank account), the second balance type (can be transferred to a bank account), and the first balance type (derived from salary). Also, in FIG. 13, the automatic remittance setting CF2 (△△ loan) specifies the balance type to be used, and in this example, the payment server 100 uses the electronic money balance of the first balance type (derived from salary) to make a payment.

[0053] According to the embodiment described above, the convenience of electronic money can be improved in an electronic payment service that supports digital salary payments.

[0054] <Modification> In the above embodiment, it has been described that a priority order can be set for available balance types in a payment using electronic money. The priority order in the above embodiment is to use up the electronic money of each balance type in the order of priority. Instead of / in combination with such a priority order, the priority order for each balance type may be set to a percentage of the amount to be used. For example, assume that the percentages of the payment amount are set to 10%, 20%, 30%, and 40% for the first to fourth balance types, respectively. In this case, when a transaction with a payment amount of 10,000 yen occurs, 1,000 yen, 2,000 yen, 3,000 yen, and 4,000 yen may be used from the first to fourth balance types, respectively. In this way, the user can use electronic money of multiple balance types evenly.

[0055] In addition, in electronic payment services, the user may be allowed to set the priority of payments to affiliated stores with electronic money for each affiliated store (or for each affiliated store's vendor). With such a configuration, the user can conveniently use the balance according to the circumstances, for example, to pay for living expenses and the like and to use the balance other than the salary to pay for travel expenses and the like.

[0056] In addition, the payment server 100 may manage the user's payment history in association with the balance type used for the payment, so that the user can check the payment history corresponding to the balance type from the user terminal device 10. With this configuration, when displaying the payment history on the user terminal device 10, the user can select the desired balance type, and only the payment history of the selected balance type can be displayed. By displaying the payment history in this manner, the user can conveniently know at a glance, for example, what the electronic money received as a salary was used for. The displayed payment history may be filtered by the balance type, as well as the purpose of the payment (e.g., payment, remittance, withdrawal, etc.) or a combination thereof.

[0057] 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]

[0058] 10 User terminal device 20. Payment App 50 First store terminal device 60 Store Code Image 70 Second store terminal device 72 Merchant Interface 100 Payment Server 110 Communications Department 120 Payment Contents Provider 130 Payment processing unit 140 Information Management Department 170 Storage section 172 User information 174 Payment Content Information 176 Affiliated Stores / Store Information 200 Affiliated bank server 300 Payment server

Claims

1. A payment management device that provides an electronic payment service to a user in cooperation with an application program running on a terminal device of the user, comprising: a payment processing unit for implementing the electronic payment service; a management unit that manages a balance that a user can use as electronic money in the electronic payment service by dividing the balance into a first balance type and a second balance type; Equipped with the management unit manages, for each user, a setting of a priority order of the balance types of the electronic money used at the time of settlement using the electronic settlement service as a setting that can be changed by the user; the payment processing unit, when the electronic money balance is selected as a payment method at the time of payment by the user, uses the electronic money balance in accordance with the priority order; Payment management device.

2. the first balance type is a salary-derived electronic money balance in which a part or all of a salary deposited in the bank account of the user is transferred as electronic money to the electronic payment account of the user in the electronic payment service; the second balance type is a balance of electronic money other than that derived from the salary, the electronic money of the first balance type and the electronic money of the second balance type are withdrawable electronic money; The payment management device according to claim 1 .

3. The electronic payment service provides a first function of settling payments to member stores with electronic money, a second function of transferring money between users with electronic money, and a third function of withdrawing the electronic money of a user to a bank account of the user, The management unit manages a setting of a priority order of the balance types used in the first function, the second function, and the third function as a common setting for the first function, the second function, and the third function. The payment management device according to claim 1 .

4. The electronic payment service provides a first function of settling payments to member stores with electronic money, a second function of transferring money between users with electronic money, and a third function of withdrawing the electronic money of a user to a bank account of the user, the management unit manages settings of priorities of balance types used in the first function, the second function, and the third function as individual settings for each of the first function, the second function, and the third function; The payment management device according to claim 1 .

5. The electronic payment service provides a first function of settling payments to member stores with electronic money, a second function of transferring money between users with electronic money, and a third function of withdrawing the electronic money of a user to a bank account of the user, the payment processing unit provides the user with a means for changing the priority order via the application program when a transaction using any one of the first function, the second function, and the third function is created by the user and before the transaction is executed; The payment management device according to claim 1 .

6. the management unit manages a balance of electronic money by a third balance type that cannot be withdrawn by a user in addition to the first balance type and the second balance type, the priority order is changeable between the first balance type and the second balance type; the priority of the third balance type is fixed to a higher priority than the first balance type and the second balance type and cannot be changed; The payment management device according to claim 1 .

7. the management unit further manages a fourth balance type, which is a balance of points that are given to the user and can be used as a cash equivalent value in the electronic payment service; the priority of the fourth balance type is fixed to a higher priority than the first balance type, the second balance type, and the third balance type, and cannot be changed; The payment management device according to claim 6.

8. the settlement processing unit has an automatic remittance function for automatically remitting money to a remittance destination registered in advance by electronic settlement using an electronic money balance; the management unit manages a setting of a priority order of the balance types to be applied to remittances by the automatic remittance function for each user and each remittance destination as a setting that can be changed by the user; The payment management device according to claim 1 .

9. the settlement processing unit has an automatic remittance function for automatically remitting money to a remittance destination registered in advance by electronic settlement using an electronic money balance; the management unit manages a setting of a balance type of one electronic money used for remittance by the automatic remittance function as a setting that can be changed by the user; The payment management device according to claim 1 .

10. Among the electronic money balance types available to the user, if there are multiple balance types that can be withdrawn, the management unit manages, for each user, a setting of a priority order of the balance types to be used when making a withdrawal, for the plurality of balance types, as the changeable setting; the payment processing unit, when a user withdraws electronic money, withdraws balances of the plurality of balance types based on the setting of the priority order; The payment management device according to claim 1 .

11. a payment management device for providing an electronic payment service to a user in cooperation with an application program running on a terminal device of the user, Executing a payment process to realize the electronic payment service; a balance that a user can use as electronic money in the electronic payment service is managed by dividing the balance into a first balance type and a second balance type; 1. A payment management method, comprising: The payment management device, managing, for each user, a setting of a priority order of the balance types of the electronic money used when making a payment using the electronic payment service as a setting that can be changed by the user; When the user selects the electronic money balance as a payment method at the time of settlement, the electronic money balance is used in accordance with the priority order. Payment management methods.

12. A payment management device that provides an electronic payment service to a user in cooperation with an application program running on the user's terminal device, Executing a payment process that realizes the electronic payment service; a balance that a user can use as electronic money in the electronic payment service is managed by dividing the balance into a first balance type and a second balance type; A program for: The payment management device, a setting of a priority order of the balance types of the electronic money used at the time of settlement using the electronic settlement service is managed for each user as a setting that can be changed by the user; When the user selects an electronic money balance as a payment method at the time of settlement, the electronic money balance is used in accordance with the priority order. Program for.

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