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

Abstract

To provide a delayed debit settlement system, a method and a program for conducting a delayed debit transaction which is flexible and highly convenient for a user.SOLUTION: A delayed debit settlement system includes a user terminal which receives, from a user, settings as to whether to conduct a delayed debit transaction, and a delayed server connected to communicate with the user terminal. The delayed server 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 at 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 less convenient for the user than a credit card.

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

[0004]

Prior Art Documents

Patent Documents

[0005] Patent Document 1 Japanese Patent Application Laid-Open No. 2001-351036 Patent Document 2 Japanese Patent No. 6368446 SUMMARY OF THE INVENTION PROBLEM 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 to perform a delayed debit transaction from the 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 a delayed debit transaction is possible based on the transaction amount and the delay frame, and when the setting to perform the delayed debit transaction is made and it is determined that the delayed debit transaction is possible, the transaction amount of the cashless transaction is transferred to the user's account and when the setting to perform the delayed debit transaction is made and it is determined that the delayed debit transaction is possible, the transaction amount of the cashless transaction is transferred to the user's account ​​​​Perform a ranking process to store in the outstanding transaction database together with seat information and the settlement date A ranking processing unit, When the settlement date arrives, an account An information output unit that outputs a debit instruction to the bank system to debit the transaction amount from the user's account.

[0008] Also, in the delayed debit settlement system, When it is determined that the delayed debit transaction is unavailable, the Information output unit may output 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 unavailable, the Information output unit may output a debit instruction to the bank system to immediately debit the transaction amount from the user's account. For the debit instruction to debit the transaction amount from the user's account immediately.

[0010] Also, in the delayed debit settlement system, Even when the setting to perform the delayed debit transaction is made, if the user Desires a debit transaction for the above-mentioned cashless transaction, the ranking processing unit Does not perform the above-mentioned ranking process, and the information output unit may output a debit instruction to the bank system to immediately debit the transaction amount from the user's account. For the debit instruction to debit the transaction amount from the user's account immediately.

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

[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. It may be set to do so.

[0013] Also, in the delayed debit settlement system, the delayed frame determination unit may increase or decrease the delayed frame at each predetermined period based on the cashless transaction usage status. It may be set to do so.

[0014] Also, in the delayed debit settlement system, after the ranking process is performed and 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 account of the registered user. It may be set to do so. It may be set to do so. It may be set to do so.

[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. It may be set to do so.

[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. It may be set to do so.

[0017] Also, in the delayed debit settlement system, if the setting for performing the delayed debit transaction is not made, the previous... The recording 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. This may be done.

[0018] Also, in the delayed debit settlement system, the transaction approval determination unit may determine that a 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 limit. This may be done.

[0019] The delayed debit settlement method according to the present invention includes steps in which a user terminal receives a setting as to whether to perform a delayed debit transaction from a user, an information acquisition unit of a delay server communicably connected to the user terminal acquires cashless transaction information including a transaction amount by a cashless transaction of the user, a delay limit determination unit of the delay server determines a delay limit for a delayed debit transaction based on the cashless transaction usage status of the user, a transaction approval determination unit of the delay server determines whether a delayed debit transaction is possible based on the transaction amount and the delay limit, when a tanking processing unit of the delay server is set to perform the delayed debit transaction and it is determined that the delayed debit transaction is possible, the tanking processing is performed to store 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 information output unit of the delayed server determines that the settlement date has arrived, it outputs an account debit instruction to the bank system to debit the transaction amount from the user's account, and , is provided.

[0020] The delayed debit settlement program according to the present invention is communicably connected to a user terminal that receives a setting from the user as to whether to perform a delayed debit transaction, a delayed server, an information acquisition unit that acquires cashless transaction information including the transaction amount of the user's cashless transaction, a delayed frame determination unit that determines a delayed frame for delayed debit transactions 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 delayed frame, a ranking processing unit that performs ranking processing to store the transaction amount of the cashless transaction together with the user's account information and the settlement date in an outstanding transaction database when it is determined that the setting to perform the delayed debit transaction is made and the delayed debit transaction is possible, and an information output unit that outputs an account debit instruction to the bank system to debit the transaction amount from the user's account when the settlement date arrives, and functions as When the setting to perform the delayed debit transaction is made and it is determined that the delayed debit transaction is possible, the transaction amount of the cashless transaction is stored in an outstanding transaction database together with the user's account information and the settlement date. a ranking processing unit that performs ranking processing to store the transaction amount of the cashless transaction together with the user's account information and the settlement date in an outstanding transaction database when it is determined that the setting to perform the delayed debit transaction is made and the delayed debit transaction is possible, and and when the settlement date arrives, an information output unit that outputs an account debit instruction to the bank system to debit the transaction amount from the user's account, and functions as

[0021] The delayed debit settlement program according to the present invention is a user terminal communicably connected to a delayed server, and a cashless transaction for which it is determined that debit transactions and delayed debit transactions are possible, Display a screen for selecting a delayed debit transaction or a debit transaction for the transaction Function as a display control unit to cause the display

Effect of the Invention

[0022] According to the present invention, a flexible and convenient delayed debit transaction can be provided for the user to do.

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, a schematic configuration of the delayed debit settlement system 1 according to the embodiment will be described. The delayed debit settlement system 1 enables a delayed debit transaction (hereinafter, also simply referred to as a "de layed 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, for example, a smart phone , a tablet terminal, a desktop personal computer, a notebook personal computer, etc. In the present embodiment, the user terminal 10 is a smart phone. Also, as will be described in detail later, the user terminal 10 is , a setting for whether to perform a delayed debit transaction (hereinafter, also simply referred to as a "delayed setting") .) is configured to receive from the user. While the delayed setting is on, the key All cashless transactions will be delayed debit transactions.

[0028] In this embodiment, the cashless transaction is a transaction using a debit card (Visa debit card, etc.). Also, in this application, the delayed debit transaction is also referred to as "ma pace payment".

[0029] When the user terminal 10 is a smartphone, a debit card may be registered in the user terminal 10, and the user terminal 10 may be used to perform transactions using the debit card.

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

[0031] The bank system 30 is communicably connected to the delayed server 20. When the bank system 30 receives an account debit instruction from the delayed 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 the user performs a cashless transaction at a store or an EC 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 by the cashless transaction. In addition, the settlement data includes the transaction time, the store It may include the identification information of the e-commerce site, the user's account information, and the information of the cashless payment means (such as cards). ) may be included.

[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. and is.

[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 the desired information. and has.

[0037] The communication unit 12 is an interface for transmitting and receiving information to and from the delayed server 20 by wireless communication or wired communication. Note that the communication method and standard by the communication unit 12 are not particularly limited. by the communication unit 12 is not particularly limited. is 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. kinds of images and information. The display unit 13 is composed of, for example, a liquid crystal display, an organic EL display, a CRT (Cathode Ray Tube) display, etc. is composed of a display, etc.

[0039] The storage unit 14 is connected to the processing unit 11 and stores various information used by the processing unit 11 (programs executed by the processing unit 11, data used, etc.). The storage unit 14 is a semi stores the programs executed by the processing unit 11, the data used, etc.). The storage unit 14 is a semi It is composed of a conductor 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. The user can check the account balance and the history of cashless transactions by launching the app. 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 on the upper part of the screen. The amount (3,300 yen) in the center of the screen 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 bottom 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. Upon 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 "Deducted from the account at the set timing" becomes selectable. When the user selects (taps, etc.) the text T1, the screen transitions to an 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 delayed server 20 includes a processing unit 21, a communication unit 22, and a storage unit .

[0044] The processing unit 21 includes an information acquisition unit 211, a delay limit determination unit 212, and a transaction permission determination unit 213. 13, a tanking processing unit 214, and an information output unit 215. The processing unit 21 is configured with a processor, and reads out a program from the storage unit 23 and executes it. By executing each program, a function corresponding to each program is realized. Alternatively, this may be achieved by multiple servers working together and capable of communicating with each other.

[0045] The communication unit 22 communicates with the user terminal 10 and the bank system 30 via wireless or wired communication. , a purchase site server 40, etc., and an interface for transmitting and receiving information between the purchase site server 40 and an external information processing device. The method and standard of communication 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, etc. In this embodiment, each function executed by the processing unit 21 can be executed by a computer. The information is stored in the storage unit 23 in the form of a program that can be used to execute the operations.

[0047] The storage unit 23 also includes a user information database 231 and an unsettled transaction database 232. 232 is stored in the user information database 231. The unsettled transaction database 232 is a database of delayed debit transactions. It is a database that stores information on unsettled cashless transactions.

[0048] FIG. 5 shows an example of the user information database 231. In this example, stores identification information (user ID), a delayed setting, cashless transaction information (settled, unsettled), a delay limit, and outstanding information (outstanding flag). The "delayed 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 for delayed debit transactions) 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 unpaid 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) 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, from the purchase site server 40, information related to the user's cashless transaction transmitted by the purchase site server 40. ​​​​​​​​​​​​​​Obtain non-cash transaction information including the transaction amount to be processed.

[0052] The information acquisition unit 211 acquires from the user terminal 10 delay settings, immediate payment instructions, etc. 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 account debit processing, etc. from the bank system 30.

[0053] The delay frame determination unit 212 determines the delay frame (available limit amount) for delay debit transactions. Specifically, the delay frame determination unit 212 determines the delay frame based on the non-cash transaction usage status of the user. In this embodiment, the non-cash 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 non-cash transactions (debit card transactions) used, the number of categories of used affiliated stores (number of business types), the used amount, and the number of used months. The number of non-cash transactions (debit card transactions) used may be the total of the number of debit transactions and the number of delay debit transactions used, or may be the number of delay debit transactions used only (or the number of debit transactions used only).

[0054] In this way, the delay frame determination unit 212 determines the limit amount of delay debit transactions based on the usage status of non-cash 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, the usage of non-cash transactions by the user ​ Appropriate framing can be performed according to the situation. Also, the Delayed Frame Determination Unit 212 may determine the delayed frame based on the user's attributes (age, occupation, etc.). Further, the Delayed Frame Determination Unit 212 may determine the delayed frame using a learned model (so-called AI) obtained by machine learning. 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 for reviewing the delayed frame is received from the user.

[0055]

[0056] The Transaction Approval Judgment Unit 213 determines the approval of normal transactions (debit transactions) and delayed debit transactions using a debit card. For debit transactions, the Transaction Approval Judgment Unit 213 determines that a debit transaction is not possible, for example, when the store or e-commerce site does not accept debit cards, when the limit of the debit card is exceeded, or when the transaction amount exceeds the user's account balance.

[0057] Also, for delayed debit transactions, the Transaction Approval Judgment Unit 213 determines whether a delayed debit transaction is possible based on the transaction amount and the delayed frame. Specifically, the Transaction Approval Judgment 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 for the cashless transaction determined to be a delayed debit transaction. Specifically, when the setting for performing a delayed debit transaction is made 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 unbilled transaction database 232. The information output unit 215 outputs various information to the user terminal 10, the banking 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 banking system 30. For example, based on the unbilled transaction database 232, when the settlement date arrives, the information output unit 215 outputs an account debit instruction to the banking 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". Even after the tanking processing, the information output unit 215 may output an immediate payment instruction to the banking 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 processing, the information output unit 215 may output an account debit instruction to the banking system 30 to immediately debit the transaction amount from the user's account. In this case, the delayed frame determination unit 212 increases the delayed frame by the amount of the transaction amount debited from the user's account, with the upper limit being the delayed frame.

[0059]

[0060] ​​​​​​​​​​​​​​The balance of the delayed credit limit may be restored after the debit instruction is issued. Alternatively, after receiving a report from the bank system 30 that the account withdrawal process has been completed, After the withdrawal process is completed, the tanking processing unit 214 may The record relating to the transaction is deleted from the database 232.

[0061] <Delayed debit payment method> With reference to the sequence diagrams of Figs. 7 and 8, the above-mentioned delayed debit payment system An example of a payment method using the payment method 1 will be described. The explanation is for a user who is making a cashless payment at a store, etc. The delayed server 20 receives the cashless transaction information from the purchase site server 40. The process starts from the step after the reception. The delay frame is determined in advance.

[0062] Step S11: The transaction permission determination unit 213 of the delayed server 20 determines whether the debit transaction is permitted. In this step, for example, a case where a debit card cannot be used is judged. If you are in a store and exceed your debit card limit, your card may be temporarily suspended. In this case, if the personal identification numbers are different, the transaction permission determination unit 213 determines that the debit transaction is not permitted. Make a judgment.

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

[0064] Step S12: The transaction permission determination unit 213 determines whether the delay setting is ON. (i.e., whether or not a delayed debit transaction is set up) For example, the determination is made by referring to the “delay setting” in the user information database 231. If the delayed setting is on (S12: Yes), the process proceeds to step S13. On the other hand, if the delayed setting is OFF (S12: No), the process proceeds to step S14.

[0065] Step S13: The transaction permission determination unit 213 determines whether the transaction is a delayed debit transaction (delayed transaction For example, the transaction permission determination unit 213 determines whether or not a cashless transaction is possible. Delayed debit transactions are possible based on the transaction amount and delayed limit in the transaction information. In addition, the transaction permission determination unit 213 determines whether or not the transaction is permitted based on the " If the "Outstanding" field is "Yes", it may be determined that the delayed debit transaction is not permitted.

[0066] If it is determined that delayed trading is possible (S13: Yes), the delayed server 20 sends a request to the bank system for a validity check. On the other hand, delayed transactions are not possible. If it is determined that there is (S13: No), the information output unit 215 of the delay server 20 A message is sent to the purchase site server 40 stating that the transaction is not possible (cashless transaction is not possible). The message may be output to the user terminal 10.

[0067] The bank system 30 that receives the request for validity check from the delayed server 20 In the validity check, for example, Whether general conditions for card transactions are met, such as whether a card loss or theft report has been submitted is checked.

[0068] If the validity check is cleared (S22: OK), the bank system 30 transmits a notice to that effect to the delay server 20. In this case, the delay server 20 performs step S15. On the other hand, if the validity check cannot be cleared (S22: NG), a notice to that effect is transmitted to the delay server 20. In this case, the delay server 20 transmits a message indicating that the transaction is not possible to the purchase site server 40.

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

[0070] If it is determined that a normal debit transaction is not possible (S14: No), the information output unit 215 of the delay server 20 outputs a message indicating that the transaction is not possible to the purchase site server 40. On the other hand, if it is determined that a normal debit transaction is possible (S14: Yes), the delay server 20 transmits an account debit instruction to the bank system 30. When the bank system 3 0 receives the account debit instruction, it performs account debit processing (step S21). When the account debit processing is completed normally, the bank system 30 transmits a debit completion notice to the delay server 2 0.

[0071] Step S15: The ranking processing unit 214 of the delay server 20 performs delay debit ​Perform the tanking process for the cashless transaction determined to be capable of OTP transaction. Specifically 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.

[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 data base 232 and determines whether there is a record with the settlement date having arrived. If it is determined that the settlement date has arrived for the user's cashless transaction (S16: Yes), proceed to step S17. On the other hand, if the settlement date has not yet arrived (S16: No), proceed to step S18.

[0073] Step S17: The information output unit 215 outputs an account debit instruction to the bank system 30 . When the bank system 30 receives the account debit instruction, it performs the account debit process (step S23). If the account debit process is completed normally, the bank system 30 may send 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. It may also be so.

[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), proceed to step S17, and if not (S 18: No), return to step S16.

[0075] Note that the user can send an immediate payment instruction from the user terminal 10 to the delay server 20. For example, on the screen of FIG. 3(b) described above, when the user taps the text T1 "Deduction from the account at the set timing", the screen shown in FIG. 9(a) is transitioned to. On this screen, debit transactions that have been made and are unpaid (i.e., transactions stored in the unpaid transaction database 232) are displayed. For each transaction, buttons B1, B2 labeled "Pay" are displayed. When the user taps the button for the transaction they wish to immediately settle, the screen shown in FIG. 9(b) is transitioned to. On the screen of FIG. 9(b), when the user taps the button B3 labeled "Pay now", the user terminal 10 sends an immediate payment instruction for the said transaction to the delay server 20.

[0076] Thus, in this embodiment, the user terminal 10 (its information reception unit 111) is configured to individually receive transactions for immediate payment from among a plurality of contactless transactions.

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

[0078] Also, step S13 (judgment of the feasibility of a delayed transaction) may be performed before step S12 (confirmation of the delay settings).

[0079] Also, in step S21 (account deduction by debit transaction) in the bank system 30, ​​​Previously, the banking system 30 may perform confirmation such as card loss or the death of the account holder, and if it is confirmed that there is no problem, step S21 may be performed. Also, step S22 (validity check in the banking system 30) may be omitted. In addition, 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".

[0080] 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. 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 from the user's cashless transaction, determines a delay limit 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 limit, and if it is determined that the setting to perform a delayed debit transaction is made and the delayed debit transaction is possible, a ranking process is performed to store the transaction amount of the cashless transaction in the unsettled transaction database together with the user's account information and the settlement date. When the settlement date arrives, an account debit instruction to debit the transaction amount from the user's account is output to the banking system 30. In this case, the delay server 20 sets the "uncollected" column in the user information database 231 to "yes". 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. to be a delayed debit transaction.

[0082] <Function and effect> 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 from the user's cashless transaction, determines a delay limit 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 limit, and if it is determined that the setting to perform a delayed debit transaction is made and the delayed debit transaction is possible, a ranking process is performed to store the transaction amount of the cashless transaction in the unsettled transaction database together with the user's account information and the settlement date. When the settlement date arrives, an account debit instruction to debit the transaction amount from the user's account is output to the banking system 30. The delay server 20 obtains cashless transaction information including the transaction amount from the user's cashless transaction, determines a delay limit 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 limit, and if it is determined that the setting to perform a delayed debit transaction is made and the delayed debit transaction is possible, a ranking process is performed to store the transaction amount of the cashless transaction in the unsettled transaction database together with the user's account information and the settlement date. When the settlement date arrives, an account debit instruction to debit the transaction amount from the user's account is output to the banking system 30. The delay server 20 obtains cashless transaction information including the transaction amount from the user's cashless transaction, determines a delay limit 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 limit, and if it is determined that the setting to perform a delayed debit transaction is made and the delayed debit transaction is possible, a ranking process is performed to store the transaction amount of the cashless transaction in the unsettled transaction database together with the user's account information and the settlement date. When the settlement date arrives, an account debit instruction to debit the transaction amount from the user's account is output to the banking system 30. Based on the user's cashless transaction usage status, the delay server 20 determines a delay limit for the delayed debit transaction, determines whether a delayed debit transaction is possible based on the transaction amount and the delay limit, and if it is determined that the setting to perform a delayed debit transaction is made and the delayed debit transaction is possible, a ranking process is performed to store the transaction amount of the cashless transaction in the unsettled transaction database together with the user's account information and the settlement date. When the settlement date arrives, an account debit instruction to debit the transaction amount from the user's account is output to the banking system 30. Based on the transaction amount and the delay limit, it is determined whether a delayed debit transaction is possible. If it is determined that the setting to perform a delayed debit transaction is made and the delayed debit transaction is possible, a ranking process is performed to store the transaction amount of the cashless transaction in the unsettled transaction database together with the user's account information and the settlement date. When the settlement date arrives, an account debit instruction to debit the transaction amount from the user's account is output to the banking system 30. If it is determined that the setting to perform a delayed debit transaction is made and the delayed debit transaction is possible, a ranking process is performed to store the transaction amount of the cashless transaction in the unsettled transaction database together with the user's account information and the settlement date. When the settlement date arrives, an account debit instruction to debit the transaction amount from the user's account is output to the banking system 30. If it is determined that the setting to perform a delayed debit transaction is made and the delayed debit transaction is possible, a ranking process is performed to store the transaction amount of the cashless transaction in the unsettled transaction database together with the user's account information and the settlement date. When the settlement date arrives, an account debit instruction to debit the transaction amount from the user's account is output to the banking system 30. When the settlement date arrives, an account debit instruction to debit the transaction amount from the user's account is output to the banking system 30. When the settlement date arrives, an account debit instruction to debit the transaction amount from the user's account is output to the banking system 30. 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. Further, 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 use of the cashless transaction.

[0084] Therefore, according to the present 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. In step S14, when the transaction availability determination unit 2 13 determines that a normal debit transaction is possible, the delay server 20 transmits a debit instruction to the bank system 30.

[0088] Figure 11 shows an example of a screen displayed on the user terminal 10 after the account debit process. . In this screen, due to the excess of the available amount for delayed use, a debit transaction (instant debit) is performed, and in addition to the debit date and time and the debit amount, the available balance of the delayed debit transaction is displayed. Also, at the bottom of the screen, it is displayed that the delayed frame is restored by optional settlement (prepayment). Tapping on the text T2 in the screen 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 is not possible, if a debit transaction is possible, the cashless transaction can be completed by performing a debit transaction. As a result, a more flexible and convenient delayed debit transaction can be provided to the user. Note that the processing flow in 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 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, for each cashless transaction, the user is allowed to select whether to perform a debit transaction or a delayed debit transaction.

[0091] Figure 12 is an example of a sequence diagram showing the processing according to Modification Example 2. In this modification example, in step S11, the determination in step S14 described in the embodiment is also performed. That is, stepIn step S11, the transaction availability determination unit 213 determines whether the store is a store·E C site where debit cards cannot be used, whether the limit amount of the debit card is exceeded, and whether the transaction amount exceeds the user's account balance. If any of these conditions are met, the debit transaction is determined to be unavailable.

[0092] As shown in FIG. 12, in this modified example, 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 delay server 20 determines whether the user has selected a debit transaction or a delayed debit transaction. This determination is made based on the selection information received from the user terminal 10. This selection information indicates whether the user desires a debit transaction or a delayed debit transaction. 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 delay server 20.

[0093] FIG. 13 shows an example of a screen for the user to select a transaction type. On this screen, along with the date / time of the cashless transaction and the transaction amount (amount used), 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 delay 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 delay server 20.

[0094] ​​​​​​When it is determined in step S13a that a debit transaction has been selected, the delayed server 20 sends a bank account debit instruction to the banking system 30. The banking system 30 performs a bank account debit process (step S21a) upon receiving the bank account debit instruction. When the bank account debit process is successfully completed, the banking system 30 sends 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 sends a validity check request 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 tanking processing unit 214

[0096] performs tanking processing (step S15). FIG. 14(a) shows an example of the screen of the user terminal 10 when a delayed debit transaction is selected. In this screen example, the date and time of the cashless transaction, the transaction amount, the fact that it is a delayed debit transaction,

[0097] and the debit date of the transaction amount are displayed. FIG. 14(b) shows an example of the screen of the user terminal 10 when a debit transaction is selected. In this screen example, the date and time of the cashless

[0098] transaction and the transaction amount, along with the fact that the transaction amount has been debited from the user's account, are displayed. It is possible to select whether to conduct bit transactions. 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 in FIG. 12 is an example, and modifications similar to those described in the embodiments can be made.

[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. However, 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 settlement system described in the above-described embodiments and modifications may be configured by hardware or software. When configured by software, a program that implements at least a part of the functions of the delayed debit settlement 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-type recording medium such as a hard disk device or a memory.

[0102] Also, a program that implements at least a part of the functions of the delayed debit settlement system may be distributed via a communication line such as the Internet (including wireless communication). 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 Symbols

[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 Delayed Server 21 Processing Unit 211 Information Acquisition Unit 212 Delayed Frame Determination Unit 213 Transaction Feasibility 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 Bank System 40 Purchase Site Server B1, B2, B3, B4, B5 Buttons NW Communication Network T1, T2 Texts TS Toggle Switch

Claims

1. A delayed debit payment system comprising a user terminal and a delayed server communicatively connected to the user terminal, the user terminal includes an information receiving unit that receives a setting from a user as to whether or not to conduct a delayed debit transaction; The delayed server includes: an information acquisition unit that acquires cashless transaction information including a transaction amount of the cashless transaction of the user; a delayed quota determination unit that determines a delayed quota for a delayed debit transaction based on the cashless transaction usage status of the user; a transaction permission determination unit that determines whether a delayed debit transaction is possible based on the transaction amount and the delayed limit; a tanking processing unit that performs a tanking process to store the transaction amount of the cashless transaction together with the user's account information and the settlement date in an unsettled transaction database when the delayed debit transaction is set and it is determined that the delayed debit transaction is possible; an information output unit that outputs an account debit instruction to a bank system when the settlement date arrives, for debiting the transaction amount from the user's account; A delayed debit payment system.

2. 2. The delayed debit payment system of claim 1, wherein the delayed limit determination unit determines the delayed limit based on at least one of the number of times the cashless transaction is used, the number of categories of affiliated stores used, the amount used, and the number of months used as the cashless transaction usage status.

3. 2. The delayed debit payment system according to claim 1, wherein the delayed limit determination unit determines the delayed limit regardless of a balance in the user's account.

4. The delayed debit payment system according to claim 1 , wherein the delayed limit determination unit increases or decreases the delayed limit for each predetermined period based on the cashless transaction usage status.

5. A step in which the user terminal receives a setting from the user as to whether or not to perform a delayed debit transaction; An information acquisition unit of a delayed server communicably connected to the user terminal acquires cashless transaction information including a transaction amount of the cashless transaction of the user; A step in which a delay limit determination unit of the delayed server determines a delay limit for a delayed debit transaction based on a cashless transaction usage status of the user; a transaction availability determination unit of the delayed server determining whether or not a delayed debit transaction is available based on the transaction amount and the delayed limit; a step of performing a tanking process in which, when the tanking process unit of the delayed server is set to perform the delayed debit transaction and it is determined that the delayed debit transaction is possible, the transaction amount of the cashless transaction is stored in an unsettled transaction database together with the user's account information and the settlement date; an information output unit of the delayed server outputting an account debit instruction to a bank system for debiting the transaction amount from the user's account when the settlement date arrives; A delayed debit payment method comprising:

6. a delayed server communicably connected to a user terminal that accepts a setting from a user as to whether or not to perform a delayed debit transaction; an information acquisition unit for acquiring cashless transaction information including a transaction amount of the cashless transaction of the user; a delayed quota determination unit that determines a delayed quota for a delayed debit transaction based on the cashless transaction usage status of the user; a transaction permission determination unit that determines whether a delayed debit transaction is possible based on the transaction amount and the delayed limit; a tanking processing unit that performs a tanking process to store the transaction amount of the cashless transaction together with the user's account information and settlement date in an unsettled transaction database when the delayed debit transaction is set and it is determined that the delayed debit transaction is possible; and an information output unit that outputs an account debit instruction to a bank system when the settlement date arrives, for debiting the transaction amount from the user's account; A delayed debit payment program that acts as a

Images