Delayed debit settlement system, delayed debit settlement method, and delayed debit settlement program

Abstract

To provide a delayed debit transaction which is flexible and highly convenient for a user.SOLUTION: A delayed debit settlement system 1 includes a user terminal 10 which receives, from a user, settings as to whether to conduct a delayed debit transaction, and a delayed server 20 connected to communicate with the user terminal 10. The delayed server 20 includes: an information acquisition unit 211 which acquires cashless transaction information; a delayed limit determination unit 212 which determines a delayed limit for delayed debit transaction on the basis of the cashless transaction usage of the user; a transaction availability determination unit 213 which determines whether the delayed debit transaction is available on the basis of the amount of transaction and the delayed limit; a tanking processing unit 214 which performs tanking processing if the delayed debit is available; and an information output unit 215 which outputs a debit instruction to debit the amount of transaction from the account of the user when a date of settlement comes.SELECTED DRAWING: Figure 4

Description

Technical Field

[0001] The present invention relates to a delayed debit settlement system, a delayed debit settlement method, and a delayed debit settlement program.

Background Art

[0002] As one of the cashless transactions in a store or an EC site, a debit card transaction (hereinafter, also simply referred to as "debit transaction") that immediately debits the transaction amount from a bank account is known. According to the debit transaction, there is an advantage that the payer (user) does not have to worry about overusing it like credit card settlement. On the other hand, it is necessary to grasp in advance the account balance and other scheduled debits. For this reason, the debit transaction is not as convenient for the user as a credit card.

[0003] Therefore, it has been proposed that the user can set the debit date within a predetermined debit period (Patent Document 1), or if it is within the amount calculated based on the account status such as the account balance, the transaction is established and the debit of the transaction amount is postponed until the user instructs (Patent Document 2).

[0004] As described above, conventionally, a transaction that is a debit card transaction but does not immediately debit the transaction amount (in the present application, referred to as "delayed debit transaction") is known. However, there is a demand for providing a more flexible and convenient delayed debit transaction for the user.

Prior Art Documents

Patent Documents

[0005]

Patent Document 1

Patent Document 2

Summary of the Invention

Problems to be Solved by the Invention

[0006] The problem to be solved by the present invention is to provide a delayed debit settlement system, a delayed debit settlement method, and a delayed debit settlement program that can provide a flexible and convenient delayed debit transaction for users.

Means for Solving the Problem

[0007] The delayed debit settlement system according to the present invention is a delayed debit settlement system including a user terminal and a delay server communicably connected to the user terminal, wherein the user terminal includes an information reception unit that receives a setting as to whether or not to perform a delayed debit transaction from a user, and the delay server includes an information acquisition unit that acquires cashless transaction information including the transaction amount of the user's cashless transaction, a delay frame determination unit that determines a delay frame for a delayed debit transaction based on the user's cashless transaction usage status, a transaction availability determination unit that determines whether or not a delayed debit transaction is possible based on the transaction amount and the delay frame, and a ranking processing unit that performs a ranking process of storing the transaction amount of the cashless transaction together with the user's account information and the settlement date in an outstanding transaction database when the setting to perform the delayed debit transaction is made and it is determined that the delayed debit transaction is possible. When the settlement date arrives, the information output unit outputs an account debit instruction for debiting the transaction amount from the user's account to the bank system.

[0008] Further, in the delayed debit settlement system, when it is determined that the delayed debit transaction is impossible, the information output unit of the delay server may output a message indicating that the cashless transaction cannot be performed.

[0009] Also, in the delayed debit settlement system, When it is determined that the delayed debit transaction is not available, the information output unit of the delayed server may output an account debit instruction to the bank system for immediately debiting the transaction amount from the user's account.

[0010] Also, in the delayed debit settlement system, Even when the setting for performing the delayed debit transaction is made, if the user desires a debit transaction for the cashless transaction, the ranking processing unit may not perform the ranking processing, and the information output unit may output an account debit instruction to the bank system for immediately debiting the transaction amount from the user's account.

[0011] Also, in the delayed debit settlement system, The delayed frame determination unit may determine the delayed frame based on at least any one of the number of times of using the cashless transaction, the number of categories of used affiliated stores, the used amount, and the number of used months as the cashless transaction usage status.

[0012] Also, in the delayed debit settlement system, The delayed frame determination unit may determine the delayed frame regardless of the balance of the user's account.

[0013] Also, in the delayed debit settlement system, The delayed frame determination unit may increase or decrease the delayed frame at regular intervals based on the cashless transaction usage status.

[0014] Also, in the delayed debit settlement system, After the ranking process is performed, if the user terminal receives an immediate payment instruction for the cashless transaction, the information output unit of the delayed server may output an account debit instruction to the bank system to immediately debit the transaction amount from the user's account.

[0015] Also, in the delayed debit settlement system, The delayed frame determination unit may restore the remaining balance of the delayed frame by the amount of the transaction amount debited from the account, with the delayed frame as the upper limit.

[0016] Also, in the delayed debit settlement system, The user terminal may individually accept a transaction that performs immediate payment from among a plurality of cashless transactions.

[0017] Also, in the delayed debit settlement system, If the setting for performing the delayed debit transaction is not set, the ranking processing unit of the delayed server does not perform the ranking process, and the information output unit may output an account debit instruction to the bank system to immediately debit the transaction amount from the user's account.

[0018] Also, in the delayed debit settlement system, The transaction approval determination unit may determine that the delayed debit transaction is possible if the transaction amount is less than or equal to the amount obtained by subtracting the outstanding amount of the delayed debit transaction from the delayed frame.

[0019] The delayed debit settlement method according to the present invention includes: A step in which a user terminal receives a setting from a user as to whether to perform a delayed debit transaction; A step in which an information acquisition unit of a delayed server communicably connected to the user terminal acquires cashless transaction information including a transaction amount by a cashless transaction of the user; The step in which a delay frame determination unit of the delayed server determines a delay frame for a delayed debit transaction based on the user's cashless transaction usage status; The step in which a transaction availability determination unit of the delayed server determines whether a delayed debit transaction is possible based on the transaction amount and the delay frame; The step in which, when a setting to perform the delayed debit transaction is made and it is determined that the delayed debit transaction is possible, a tanking processing unit of the delayed server performs tanking processing of storing the transaction amount of the cashless transaction together with the user's account information and the settlement date in an outstanding transaction database; The step in which an information output unit of the delayed server outputs an account debit instruction for debiting the transaction amount from the user's account to a bank system when the settlement date arrives; comprises.

[0020] The delayed debit settlement program according to the present invention is communicably connected to a delayed server that receives a setting from a user terminal as to whether to perform a delayed debit transaction, an information acquisition unit that acquires cashless transaction information including a transaction amount by the user's cashless transaction, a delay frame determination unit that determines a delay frame for a delayed debit transaction based on the user's cashless transaction usage status, a transaction availability determination unit that determines whether a delayed debit transaction is possible based on the transaction amount and the delay frame, a tanking processing unit that, when a setting to perform the delayed debit transaction is made and it is determined that the delayed debit transaction is possible, performs tanking processing of storing the transaction amount of the cashless transaction together with the user's account information and the settlement date in an outstanding transaction database, and an information output unit that outputs an account debit instruction for debiting the transaction amount from the user's account to a bank system when the settlement date arrives. Function as.

[0021] The delayed debit settlement program according to the present invention Function as a display control unit that causes a user terminal communicably connected to a delayed server to display a screen for selecting a delayed debit transaction or a debit transaction for a cashless transaction determined to be capable of debit transactions and delayed debit transactions.

Effect of the Invention

[0022] According to the present invention, it is possible to provide a flexible and convenient delayed debit transaction for the user.

Brief Description of the Drawings

[0023]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Figure 10

Figure 11

Figure 12

Figure 13

Figure 14

Mode for Carrying Out the Invention

[0024] Hereinafter, embodiments of the present invention will be described with reference to the drawings.

[0025] <Delayed Debit Settlement System> First, referring to FIG. 1, the schematic configuration of the delayed debit settlement system 1 according to the embodiment will be described. The delayed debit settlement system 1 is configured to enable a delayed debit transaction (hereinafter, also simply referred to as a "delayed transaction") when a cashless transaction is performed at a store or an EC site.

[0026] The delayed debit settlement system 1 includes a user terminal 10, a delay server 20, a bank system (accounting system) 30, and a purchase site server 40. Here, the delay server 20 is communicably connected to the user terminal 10 and the purchase site server 40 via a communication network NW such as the Internet or a dedicated line. Note that the connection form (wired, wireless, etc.) and the communication protocol are not particularly limited.

[0027] The user terminal 10 is an information processing terminal used by the user, such as a smartphone, a tablet terminal, a desktop personal computer, a notebook personal computer, etc. In this embodiment, the user terminal 10 is a smartphone. Also, although details will be described later, the user terminal 10 is configured to receive from the user a setting as to whether to perform a delayed debit transaction (hereinafter also simply referred to as "delayed setting"). While the delayed setting is on, all cashless transactions will be delayed debit transactions.

[0028] Note that in this embodiment, the cashless transaction is a transaction using a debit card (such as a Visa debit card). Also, in this application, the delayed debit transaction is also referred to as "pay at your own pace".

[0029] When the user terminal 10 is a smartphone, a debit card may be registered in the user terminal 10 so that the user terminal 10 can perform transactions using the debit card.

[0030] The delay server 20 is communicably connected to the user terminal 10. Although details will be described later, the delay server 20 performs processing related to the settlement of cashless transactions with the banking system 30 based on the delayed setting received by the user terminal 10.

[0031] The banking system 30 is communicably connected to the delay server 20. When the banking system 30 receives an account debit instruction from the delay server 20, it executes a process of debiting the transaction amount related to the cashless transaction from the user's account.

[0032] The purchase site server 40 is communicably connected to the delayed server 20. When a user conducts a cashless transaction at a store, an e-commerce site, etc., the purchase site server 40 transmits settlement data (cashless transaction information) to the delayed server 20. The settlement data includes the transaction amount resulting from the cashless transaction. Additionally, the settlement data may include the transaction time, identification information of the store / e-commerce site, the user's account information, and information on the cashless payment means (such as a card).

[0033] Hereinafter, the user terminal 10 and the delayed server 20 will be described in detail respectively.

[0034] <User Terminal 10> Referring to the functional block diagram of FIG. 2, the user terminal 10 will be described.

[0035] The user terminal 10 includes a processing unit 11, a communication unit 12, a display unit 13, and a storage unit 14.

[0036] The processing unit 11 has an information reception unit 111 that receives information such as the user's input operation, and a display control unit 112 that controls the display unit 13 to display desired information.

[0037] The communication unit 12 is an interface for transmitting and receiving information to and from the delayed server 20 via wireless communication or wired communication. Note that the communication method and standard by the communication unit 12 are not particularly limited.

[0038] The display unit 13 displays various images and information such as a GUI (Graphical User Interface) that receives the user's operation. The display unit 13 is composed of, for example, a liquid crystal display, an organic EL display, a CRT (Cathode Ray Tube) display, etc.

[0039] The storage unit 14 is connected to the processing unit 11 and stores various types of information used by the processing unit 11 (programs executed by the processing unit 11, data used, etc.). The storage unit 14 is composed of a semiconductor memory and / or a hard disk drive, etc.

[0040] In this embodiment, an app of the bank where the user has an account is installed on the user terminal 10. By launching the app, the user can check the account balance and the history of cashless transactions. FIGS. 3(a) and 3(b) are examples of the app screen. This screen displays the usage history of the debit card, and the monthly usage amount is shown as a bar graph at the upper part of the screen. The amount in the center of the screen (3,300 yen) indicates the amount withdrawn by debit transaction in the selected month (October). The details of the debit transaction (such as Super ○○ 2,200 yen) are displayed at the lower part of the screen.

[0041] In the center of the screen of FIG. 3(a), "My Pace Payment" is displayed, and a toggle switch TS is arranged next to it. When the user slides the toggle switch TS to the right, as shown in FIG. 3(b), My Pace Payment, that is, the delay setting, is turned on. When the delay setting is changed, the user terminal 10 transmits information indicating that to the delay server 20. When receiving the information, the processing unit 21 of the delay server 20 updates the user information database 231 described later. Also, when the delay setting is turned on, the text T1 of "Withdraw from the account at the set timing" becomes selectable. When the user selects (taps, etc.) the text T1, the screen transitions to the immediate payment screen (FIG. 9(a) described later).

[0042] <Delay Server 20> Next, the delay server 20 will be described with reference to the functional block diagram of FIG. 4.

[0043] The delay server 20 includes a processing unit 21, a communication unit 22, and a storage unit 23.

[0044] The processing unit 21 includes an information acquisition unit 211, a delayed frame determination unit 212, a transaction approval determination unit 213, a ranking processing unit 214, and an information output unit 215. In the present embodiment, the processing unit 21 is configured by a processor, and by reading and executing a program from the storage unit 23, functions corresponding to the respective programs are realized. Note that each function of the processing unit 21 may be realized by a plurality of servers capable of communicating with each other cooperating with each other.

[0045] The communication unit 22 is an interface for transmitting and receiving information to and from external information processing devices such as the user terminal 10, the bank system 30, and the purchase site server 40 by wireless communication or wired communication. Note that the communication method and standard by the communication unit 22 are not particularly limited.

[0046] The storage unit 23 is composed of a semiconductor memory and / or a hard disk drive or the like. In the present embodiment, each function executed by the processing unit 21 is stored in the storage unit 23 in the form of a program executable by a computer.

[0047] In addition, the storage unit 23 stores a user information database 231 and an outstanding transaction database 232. The user information database 231 is a database that stores information for each user. The outstanding transaction database 232 is a database that stores information related to outstanding cashless transactions by delayed debit transactions.

[0048] FIG. 5 shows an example of the user information database 231. In this example, for each user, identification information (user ID), delay setting, cashless transaction information (settled, unsettled), delay limit, and outstanding information (outstanding flag) are stored. The "delay setting" is updated according to the operation of the toggle switch TS displayed on the user terminal 10 described above. The "cashless transaction information" stores information based on the cashless transaction information received from the purchase site server 40. The "delay limit" stores the delay limit (the limit amount of the delayed debit transaction) determined by the delay limit determination unit 212. "Outstanding" is "none" in the initial state, but becomes "yes" when the delay server 20 receives a notification from the bank system 30 that the account debit process could not be completed, etc.

[0049] FIG. 6 shows an example of the unsettled transaction database 232. In this example, for each transaction determined by the transaction approval determination unit 213 to be eligible for a delayed debit transaction, information for account debit (transaction amount and debit account information) is stored. Note that the "settlement date" is, for example, a fixed date (here, the 10th day) of the month following the month in which the transaction occurred. Also, the "settlement date" may be a date specified by the user.

[0050] Next, the details of each part of the processing unit 21 of the delay server 20 will be described.

[0051] The information acquisition unit 211 acquires various information from the user terminal 10, the bank system 30, and the purchase site server 40. For example, when a cashless transaction occurs at a store or the like, the information acquisition unit 211 acquires cashless transaction information including the transaction amount of the user's cashless transaction, which is transmitted from the purchase site server 40.

[0052] The information acquisition unit 211 acquires a delay setting, an immediate payment instruction, etc. from the user terminal 10. Here, the immediate payment instruction is an account debit instruction for immediately debiting the transaction amount from the user's account regardless of the delay setting, and is also referred to as an optional payment instruction or an optional settlement instruction. Further, the information acquisition unit 211 acquires the result of the account debit process, etc. from the bank system 30.

[0053] The delay frame determination unit 212 determines a delay frame (available limit amount) for delay debit transactions. Specifically, the delay frame determination unit 212 determines the delay frame based on the user's cashless transaction usage status. In this embodiment, the cashless transaction usage status is the usage status of the debit card. The delay frame determination unit 212 determines the delay frame based on at least any one of the number of uses of cashless transactions (debit card transactions), the number of categories of used affiliated stores (number of business types), the used amount, and the number of used months. The number of uses of the debit card may be the total number of uses of debit transactions and delay debit transactions, or may be the number of uses of only delay debit transactions (or only debit transactions).

[0054] In this way, the delay frame determination unit 212 determines the limit amount of delay debit transactions based on the usage status of cashless transactions by the user. Note that in this embodiment, the delay frame determination unit 212 may determine the delay frame regardless of the balance of the user's account (that is, regardless of the account balance). Thereby, appropriate framing can be performed according to the usage status of the user's cashless transactions. Further, the delay frame determination unit 212 may determine the delay frame based on the user's attributes (age, occupation, etc.). Further, the delay frame determination unit 212 may determine the delay frame using a learned model (so-called AI) obtained by machine learning.

[0055] The delayed frame determination unit 212 may review the delayed frame at an appropriate timing. For example, the delayed frame determination unit 212 increases or decreases the delayed frame at predetermined intervals based on the usage status of cashless transactions. Also, the delayed frame determination unit 212 may increase or decrease the delayed frame at the timing when a request to review the delayed frame is received from the user.

[0056] The transaction approval determination unit 213 determines the approval of normal transactions (debit transactions) and delayed debit transactions using a debit card. For debit transactions, the transaction approval determination unit 213 determines that a debit transaction is not approved, for example, when the store or EC site does not accept the debit card, when the limit of the debit card is exceeded, or when the transaction amount exceeds the user's account balance.

[0057] Also, the transaction approval determination unit 213 determines whether a delayed debit transaction is possible based on the transaction amount and the delayed frame for the delayed debit transaction. Specifically, the transaction approval determination unit 213 determines that a delayed debit transaction is possible if the transaction amount of the cashless transaction is less than or equal to the amount obtained by subtracting the outstanding amount of the delayed debit transaction from the delayed frame.

[0058] The tanking processing unit 214 performs tanking processing on the cashless transactions determined to be eligible for delayed debit transactions. Specifically, when the setting for performing a delayed debit transaction is enabled and it is determined that a delayed debit transaction is possible, the tanking processing unit 214 stores the transaction amount of the cashless transaction together with the user's account information and the settlement date in the outstanding transaction database 232.

[0059] The information output unit 215 outputs various information to the user terminal 10, the bank system 30, and the purchase site server 40. For example, the information output unit 215 outputs the cashless transaction information in the user information database 231 to the user terminal 10. Also, the information output unit 215 outputs an account debit instruction to the bank system 30. For example, based on the outstanding transaction database 232, when the settlement date arrives, the information output unit 215 outputs an account debit instruction to the bank system 30 to debit the transaction amount from the user's account. Such an account debit instruction due to the arrival of the settlement date is also referred to as a "regular settlement instruction".

[0060] Even after the tanking process, the information output unit 215 may output an immediate payment instruction to the bank system 30 according to the user's request. That is, when the information reception unit 111 of the user terminal 10 receives an immediate payment instruction for a cashless transaction after the tanking process, the information output unit 215 may output an account debit instruction to the bank system 30 to immediately debit the transaction amount from the user's account. In this case, the delayed frame determination unit 212 may recover the remaining balance of the delayed frame by the amount of the transaction amount debited from the user's account, with the delayed frame as the upper limit. The recovery of the delayed frame may be after the account debit instruction is output, or after receiving a report from the bank system 30 that the account debit process has been completed. Note that after the completion of the debit process, the tanking processing unit 214 deletes the record related to the transaction from the outstanding transaction database 232.

[0061] <Delayed Debit Settlement Method> With reference to the sequence diagrams of FIGS. 7 and 8, an example of the settlement method by the delayed debit settlement system 1 described above will be explained. The explanation starts from the steps after the user conducts a cashless transaction at a store or the like and the delayed server 20 receives the cashless transaction information from the purchase site server 40. Also, the delayed frame is determined in advance.

[0062] Step S11: The transaction approval determination unit 213 of the delayed server 20 determines whether a debit transaction is possible. In this step, for example, when the store does not accept debit cards, when the credit limit of the debit card is exceeded, when the use is temporarily suspended, or when the PIN is incorrect, the transaction approval determination unit 213 determines that the debit transaction is not possible.

[0063] If it is determined that the debit transaction is not possible (S11: No), the information output unit 215 of the delayed server 20 outputs a message indicating that the transaction is not possible to the purchase site server 40. Note that the message may be output to the user terminal 10. The user terminal 10 that has received the message displays the message on the display unit 13. On the other hand, if it is determined that the debit transaction is possible (S11: Yes), the process proceeds to step S12.

[0064] Step S12: The transaction approval determination unit 213 determines whether the delay setting is ON (i.e., whether the setting for performing a delayed debit transaction is made). For example, the determination is made by referring to the "delay setting" in the user information database 231. If the delay setting is ON (S12: Yes), the process proceeds to step S13. On the other hand, if the delay setting is OFF (S12: No), the process proceeds to step S14.

[0065] Step S13: The transaction approval determination unit 213 determines whether a delayed debit transaction (delayed transaction) is possible. For example, the transaction approval determination unit 213 determines whether a delayed debit transaction is possible based on the transaction amount of the cashless transaction information and the delay limit. Note that the transaction approval determination unit 213 may determine that the delayed debit transaction is not possible when the "uncollected" column in the user information database 231 is "yes".

[0066] When it is determined that a delayed transaction is possible (S13: Yes), the delayed server 20 sends a request for validity check to the banking system. On the other hand, when it is determined that a delayed transaction is not possible (S13: No), the information output unit 215 of the delayed server 20 outputs a message indicating that the transaction is not possible (cashless transaction cannot be made) to the purchase site server 40. Note that the message may be output to the user terminal 10.

[0067] The banking system 30 that has received a request for validity check from the delayed server 20 performs a validity check (step S22). In the validity check, for example, it is confirmed whether general conditions for card transactions are met, such as whether a debit card loss or theft report has been submitted.

[0068] When the validity check is cleared (S22: OK), the banking system 30 sends a message to that effect to the delayed server 20. In this case, the delayed server 20 performs step S15. On the other hand, when the validity check cannot be cleared (S22: NG), a message to that effect is sent to the delayed server 20. In this case, the delayed server 20 sends a message indicating that the transaction is not possible to the purchase site server 40.

[0069] Step S14: The transaction availability determination unit 213 of the delayed server 20 determines whether a normal debit transaction is possible. In this step, for example, when the transaction amount exceeds the user's account balance, the transaction availability determination unit 213 determines that a normal debit transaction is not possible.

[0070] When it is determined that a normal debit transaction is not possible (S14: No), the information output unit 215 of the delayed server 20 outputs a message indicating that the transaction is not possible to the purchase site server 40. On the other hand, when it is determined that a normal debit transaction is possible (S14: Yes), the delayed server 20 transmits a bank account debit instruction to the banking system 30. When the banking system 30 receives the bank account debit instruction, it performs a bank account debit process (step S21). When the bank account debit process is completed normally, the banking system 30 transmits a debit completion notice to the delayed server 20.

[0071] Step S15: The ranking processing unit 214 of the delayed server 20 performs a ranking process for the cashless transaction determined to be a delayed debit transaction. Specifically, the ranking processing unit 214 stores the transaction amount of the cashless transaction together with the user's account information and the settlement date in the outstanding transaction database 232.

[0072] Step S16: The processing unit 21 (for example, the information output unit 215) of the delayed server 20 determines whether the settlement date has arrived. For example, the information output unit 215 refers to the outstanding transaction database 232 and determines whether there is a record for which the settlement date has arrived. When it is determined that the settlement date has arrived for the user's cashless transaction (S16: Yes), the process proceeds to step S17. On the other hand, when the settlement date has not yet arrived (S16: No), the process proceeds to step S18.

[0073] Step S17: The information output unit 215 outputs a bank account debit instruction to the banking system 30. When the banking system 30 receives the bank account debit instruction, it performs a bank account debit process (step S23). When the bank account debit process is completed normally, the banking system 30 may transmit a debit completion notice to the delayed server 20. After receiving the debit completion notice, the delayed server 20 may delete the record of the corresponding transaction in the outstanding transaction database 232.

[0074] Step S18: The processing unit 21 (for example, the information acquisition unit 211) determines whether there is an immediate payment instruction. If it is determined that the delayed server 20 has received an immediate payment instruction from the user terminal 10 (S18: Yes), the process proceeds to step S17; otherwise (S18: No), the process returns to step S16.

[0075] Note that the user can send an immediate payment instruction from the user terminal 10 to the delayed server 20. For example, on the screen of FIG. 3(b) described above, when the user taps the text T1 "Debit from the account at the set timing", the screen transitions to the screen of FIG. 9(a). This screen displays debit transactions that have not been settled (i.e., transactions stored in the unsettled transaction database 232). Buttons B1 and B2 labeled "Pay" are displayed for each transaction. When the user taps the button for the transaction they want to immediately settle, the screen transitions to the screen of FIG. 9(b). On the screen of FIG. 9(b), when the user taps the button B3 labeled "Pay immediately", the user terminal 10 sends an immediate payment instruction for the transaction to the delayed server 20.

[0076] As described above, in this embodiment, the information reception unit 111 of the user terminal 10 is configured to individually receive transactions for immediate payment from among a plurality of cashless transactions.

[0077] Note that the processing flows of FIGS. 7 and 8 are merely examples and can be variously modified. For example, the process of step S14 (confirming whether the transaction amount exceeds the user's account balance) may be performed in step S11, and in that case, step S14 may be omitted.

[0078] Also, step S13 (determining the feasibility of a delayed transaction) may be performed before step S12 (confirming the delayed setting).

[0079] Also, before step S21 (account debit by debit transaction) in the banking system 30, the banking system 30 may confirm card loss, death of the account holder, etc., and perform step S21 when it is confirmed that there is no problem. Also, step S22 (validity check in the banking system 30) may be omitted.

[0080] Also, when the account debit process cannot be performed due to insufficient balance or the like in the banking system 30, the banking system 30 may send a message indicating that the account debit is not possible to the delay server 20. In this case, the delay server 20 sets the "uncollected" column in the user information database 231 to "yes".

[0081] Also, in order to prevent double transactions, in step S12 or S13, it may be confirmed that the transaction is an unsettled delayed debit transaction.

[0082] <Operational effects> As described above, in this embodiment, the user terminal 10 receives a setting from the user on whether to perform a delayed debit transaction. The delay server 20 obtains cashless transaction information including the transaction amount of the user's cashless transaction, determines a delay frame for the delayed debit transaction based on the user's cashless transaction usage status, determines whether a delayed debit transaction is possible based on the transaction amount and the delay frame, and if a setting to perform a delayed debit transaction is made and it is determined that a delayed debit transaction is possible, performs a ranking process of storing the transaction amount of the cashless transaction together with the user's account information and the settlement date in the unsettled transaction database. When the settlement date arrives, an account debit instruction for withdrawing the transaction amount from the user's account is output to the banking system 30.

[0083] Thus, since the user terminal is configured to receive a setting from the user on whether to perform a delayed debit transaction, the user can select whether to perform a delayed debit transaction at any timing. Furthermore, since the delay limit, which is the limit amount of the delayed debit transaction, is determined based on the user's cashless transaction usage status, the user can use the delayed debit transaction according to the usage of the cashless transaction.

[0084] Therefore, according to this embodiment, it is possible to provide a flexible and convenient delayed debit transaction for the user.

[0085] Next, two modifications according to the embodiment will be described.

[0086] <Modification 1> In the above-described embodiment, when it is determined in step S13 that the delayed debit transaction is not available, the transaction becomes unavailable and the cashless transaction is not completed. In contrast, in this modification, even when the delayed debit transaction is not available, if a debit transaction is possible, the debit transaction is automatically performed.

[0087] FIG. 10 is an example of a sequence diagram showing the process according to Modification 1. As can be seen from this figure, when it is determined that the delayed debit transaction is not available (S13: No), the difference from the embodiment is that the process proceeds to step S14. When the transaction availability determination unit 213 determines in step S14 that a normal debit transaction is possible, the delay server 20 transmits an account debit instruction to the bank system 30.

[0088] FIG. 11 shows an example of a screen displayed on the user terminal 10 after the account debit process. On this screen, in addition to the fact that a debit transaction (instant debit) has been made due to an excess of the delayed available amount, the debit date and time, the debit amount, and the remaining available balance of the delayed debit transaction are displayed. Also, at the bottom of the screen, it is displayed that the delayed frame returns by optional settlement (prepayment). When tapping on the text T2 in the screen, the process transitions to the screen of FIG. 9(a) for performing optional settlement.

[0089] According to Modification Example 1 as described above, even when a delayed debit transaction cannot be made, if a debit transaction is possible, the cashless transaction can be completed by performing the debit transaction. As a result, it is possible to provide a more flexible and convenient delayed debit transaction for the user. Note that the processing flow of FIG. 11 is an example, and the same modifications as those described in the embodiment can be made.

[0090] <Modification Example 2> In the above-described embodiment, when the setting for performing a delayed debit transaction is made (that is, the delayed setting is on) and it is determined that a delayed debit transaction is possible, the delayed debit transaction is automatically performed. In contrast, in this modification example, even in such a case, the difference is that for each cashless transaction, the user is allowed to select whether to perform a debit transaction or a delayed debit transaction.

[0091] FIG. 12 is an example of a sequence diagram showing the process according to Modification Example 2. In this modification example, in step S11, the determination in step S14 described in the embodiment is also made. That is, in step S11, the transaction availability determination unit 213 determines whether the store / EC site cannot use the debit card, whether the limit amount of the debit card is exceeded, and whether the transaction amount exceeds the user's account balance. If any of them applies, it is determined that the debit transaction is not available.

[0092] As shown in FIG. 12, in this modification, when it is determined in step S13 that a delayed debit transaction is possible, the process proceeds to step S13a. In step S13a, the processing unit 21 (for example, the information acquisition unit 211) of the delayed server 20 determines which of a debit transaction and a delayed debit transaction the user has selected. This determination is made based on the selection information received from the user terminal 10. This selection information indicates which of a debit transaction and a delayed debit transaction the user desires. The selection information is created by the user terminal 10 in response to the user's operation on the screen of FIG. 13 and is transmitted to the delayed server 20.

[0093] FIG. 13 shows an example of a screen for the user to select a transaction type. On this screen, together with the date / time and transaction amount (amount used) of the cashless transaction, a button B4 labeled "Pay Later" and a button B5 labeled "Pay Now" are displayed. When the user taps button B4, the user terminal 10 transmits information indicating that a delayed debit transaction has been selected to the delayed server 20. On the other hand, when the user taps button B5, the user terminal 10 transmits information indicating that a debit transaction has been selected to the delayed server 20.

[0094] When it is determined in step S13a that a debit transaction has been selected, the delayed server 20 transmits an account debit instruction to the banking system 30. When the banking system 30 receives the account debit instruction, it performs an account debit process (step S21a). When the account debit process is completed normally, the banking system 30 transmits a debit completion notice to the delayed server 20.

[0095] On the other hand, when it is determined in step S13a that a delayed debit transaction has been selected, the delayed server 20 transmits a request for validity check to the banking system. After that, when the delayed server 20 receives a notice from the banking system 30 that the validity check has been cleared, the ranking processing unit 214 performs a ranking process (step S15).

[0096] FIG. 14(a) shows an example of the screen of the user terminal 10 when a delayed debit transaction is selected. In this example screen, together with the date / time and the transaction amount of the cashless transaction, it is displayed that it is a delayed debit transaction and the date of debit of the transaction amount.

[0097] FIG. 14(b) shows an example of the screen of the user terminal 10 when a debit transaction is selected. In this example screen, together with the date / time and the transaction amount of the cashless transaction, it is displayed that the transaction amount has been debited from the user's account.

[0098] According to Modification Example 2 as described above, even when the setting for performing a delayed debit transaction is made, the user can select whether to perform a debit transaction or a delayed debit transaction for each cashless transaction. As a result, it is possible to provide a more flexible and convenient delayed debit transaction for the user.

[0099] Note that the processing flow of FIG. 12 is an example, and it is possible to perform the same modifications as those described in the embodiment.

[0100] Based on the above description, those skilled in the art may be able to conceive of additional effects and various modifications of the present invention, but the aspects of the present invention are not limited to the above-described embodiments. Various additions, changes, and partial deletions are possible without departing from the conceptual ideas and spirit of the present invention derived from the content defined in the claims and their equivalents.

[0101] At least a part of the delayed debit payment system described in the above embodiments and modification examples may be configured by hardware or by software. When configured by software, a program for realizing at least a part of the functions of the delayed debit payment system may be stored in a recording medium such as a flexible disk or a CD-ROM, and read into a computer and executed. The recording medium is not limited to removable ones such as magnetic disks and optical disks, and may be a fixed recording medium such as a hard disk device or a memory.

[0102] Further, a program for realizing at least a part of the functions of the delayed debit payment system may be distributed via a communication line (including wireless communication) such as the Internet. Furthermore, the program may be distributed in an encrypted, modulated, or compressed state via a wired or wireless line such as the Internet, or stored in a recording medium.

Explanation of Signs

[0103] 1 Delayed Debit Payment System 10 User Terminal 11 Processing Unit 111 Information Reception Unit 112 Display Control Unit 12 Communication Unit 13 Display Unit 14 Storage Unit 20 Delay Server 21 Processing Unit 211 Information Acquisition Unit 212 Delay Frame Determination Unit 213 Transaction Approval Judgment Unit 214 Ranking Processing Unit 215 Information Output Unit 22 Communication Unit 23 Storage Unit 231 User Information Database 232 Outstanding Transaction Database 30 Banking System 40 Purchase Site Server B1, B2, B3, B4, B5 Buttons NW communication network T1, T2 text TS toggle switch

Claims

1. A delayed debit settlement system comprising a user terminal and a delayed server communicably connected to the user terminal, wherein the user terminal includes an information reception unit configured to receive a setting on whether to perform a delayed debit transaction from a user, and the delayed server includes: an information acquisition unit configured to acquire cashless transaction information including a transaction amount resulting from a cashless transaction of the user; a delay frame determination unit configured to determine a delay frame for delayed debit transactions based on the user's cashless transaction usage status; a transaction availability determination unit configured to determine whether a delayed debit transaction is possible based on the transaction amount and the delay frame; a ranking processing unit configured to perform ranking processing of storing the transaction amount of the cashless transaction together with the user's account information and the settlement date in an outstanding transaction database when the setting to perform the delayed debit transaction is made and it is determined that the delayed debit transaction is possible; an information output unit configured to output an account debit instruction to a bank system to debit the transaction amount from the user's account when the settlement date arrives. A delayed debit settlement system comprising the above components.

2. The delayed debit settlement system according to claim 1, wherein when it is determined that the delayed debit transaction is not possible, the information output unit of the delayed server outputs a message indicating that the cashless transaction cannot be performed.

3. The delayed debit settlement system according to claim 1, wherein when it is determined that the delayed debit transaction is not possible, the information output unit of the delayed server outputs an account debit instruction to the bank system to immediately debit the transaction amount from the user's account.

4. The delayed debit settlement system according to claim 1, wherein even when the setting to perform the delayed debit transaction is made, if the user desires a debit transaction for the cashless transaction, the ranking processing unit does not perform the ranking processing, and the information output unit outputs an account debit instruction to the bank system to immediately debit the transaction amount from the user's account.

5. The delayed frame determination unit determines the delayed frame based on at least any one of the number of times of using the cashless transaction, the number of categories of affiliated stores used, the amount used, and the number of months of use as the cashless transaction usage status, in the delayed debit settlement system according to any one of claims 1 to 3.

6. The delayed frame determination unit determines the delayed frame regardless of the balance of the user's account, in the delayed debit settlement system according to any one of claims 1 to 3.

7. The delayed frame determination unit increases or decreases the delayed frame at regular intervals based on the cashless transaction usage status, in the delayed debit settlement system according to any one of claims 1 to 3.

8. When the user terminal receives an immediate payment instruction for the cashless transaction after the ranking process is performed, the information output unit of the delayed server outputs an account debit instruction to immediately debit the transaction amount from the user's account to the bank system, in the delayed debit settlement system according to claim 1.

9. The delayed frame determination unit restores the remaining balance of the delayed frame by the amount of the transaction amount debited from the account, with the delayed frame as the upper limit, in the delayed debit settlement system according to claim 8.

10. The user terminal individually accepts a transaction for immediate payment from among a plurality of cashless transactions, in the delayed debit settlement system according to claim 8 or 9.

11. When the setting for performing the delayed debit transaction is not made, the ranking processing unit of the delayed server does not perform the ranking process, and the information output unit outputs an account debit instruction to immediately debit the transaction amount from the user's account to the bank system, in the delayed debit settlement system according to claim 1.

12. The transaction approval determination unit determines that the delayed debit transaction is possible if the transaction amount is less than or equal to the amount obtained by subtracting the outstanding amount of the delayed debit transaction from the delayed frame, in the delayed debit settlement system according to claim 1.

13. A step in which a user terminal receives a setting from a user as to whether to perform a delayed debit transaction; The information acquisition unit of the delayed server communicably connected to the user terminal acquires cashless transaction information including the transaction amount of the user's cashless transaction; The delay frame determination unit of the delayed server determines a delay frame for debit transactions based on the user's cashless transaction usage status; The transaction approval determination unit of the delayed server determines whether a delayed debit transaction is possible based on the transaction amount and the delay frame; When the setting for performing the delayed debit transaction is made and it is determined that the delayed debit transaction is possible, the ranking processing unit of the delayed server performs ranking processing of storing the transaction amount of the cashless transaction in an outstanding transaction database together with the user's account information and the settlement date; When the settlement date arrives, the information output unit of the delayed server outputs an account debit instruction for debiting the transaction amount from the user's account to the bank system; A delayed debit settlement method comprising:

14. A delayed server communicably connected to a user terminal that accepts a setting from the user as to whether to perform a delayed debit transaction, An information acquisition unit that acquires cashless transaction information including the transaction amount of the user's cashless transaction, A delay frame determination unit that determines a delay frame for delayed debit transactions based on the user's cashless transaction usage status, A transaction approval determination unit that determines whether a delayed debit transaction is possible based on the transaction amount and the delay frame, A ranking processing unit that performs ranking processing of storing the transaction amount of the cashless transaction in an outstanding transaction database together with the user's account information and the settlement date when the setting for performing the delayed debit transaction is made and it is determined that the delayed debit transaction is possible, and An information output unit that outputs an account debit instruction for debiting the transaction amount from the user's account to the bank system when the settlement date arrives, A delayed debit settlement program that functions as:

15. A user terminal communicably connected to a delayed server A delayed debit settlement program that functions as a display control unit for displaying a screen for selecting a delayed debit transaction or a debit transaction for a cashless transaction determined to be capable of debit transactions and delayed debit transactions.

Images