Application program, settlement system, settlement management device and program

Abstract

To provide an application program for intuitively informing users whether or not a deadline has passed.SOLUTION: An application program causes a terminal device to execute the processes of: acquiring from a settlement management device, information of a due date for changing a lump sum payment to a revolving payment; when a current date is before the due date, displaying a link image to transition to a screen for performing an operation to change the lump sum payment to the revolving payment, in association with a settlement amount for a first month; and when the current date is after the due date, displaying a link image to transition to a screen for performing an operation to change the lump sum payment to the revolving payment, in association with a settlement amount for a second month and subsequent months following the first month.SELECTED DRAWING: Figure 8

Description

[Technical Field]

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

[0002] Monthly settlement methods, such as credit cards, are becoming widespread. Credit card payments allow users to choose between a lump-sum payment the following month or a revolving payment plan where a preset amount is repaid monthly. Patent Document 1 describes accepting input for changing to a revolving payment plan for each statement. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2015-176585 Summary of the Invention [Problem to be solved by the invention]

[0004] With the above payment methods, whether the payment for the current month can be changed from a lump sum payment to a revolving payment or can only be changed for the payment for the following month or later depends on whether the payment is before or after the monthly due date. With conventional technology, it was sometimes difficult to intuitively inform users whether the due date had passed.

[0005] The present invention has been made in consideration of these circumstances, and one of its objectives is to provide an application program, a payment system, a payment management device, and a program that can intuitively inform users whether or not a payment has crossed the due date. [Means for solving the problem]

[0006] One aspect of the present invention is an application program that runs on a user's terminal device and works in cooperation with a payment management device to provide a payment service, wherein the payment service allows the user to choose between a lump-sum payment, in which the payment amount related to payment information received by the payment management device by the billing closing date is paid in one lump sum on the billing date of the following month, and a revolving payment, and causes the terminal device to execute the following processes: a process of obtaining from the payment management device information on the due date for changing from the lump-sum payment to the revolving payment, if the current date is before the due date, a process of displaying a link image associated with the payment amount for the first month, which transitions to a screen where the change operation from the lump-sum payment to the revolving payment can be performed, and a process of displaying a link image associated with the payment amount for the second month or later, which transitions to a screen where the change operation from the lump-sum payment to the revolving payment can be performed, if the current date is after the due date. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to intuitively inform a user whether or not a deadline has been crossed. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 illustrates an example of a system for providing credit card services. [Figure 2] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 3] FIG. 1 is a diagram showing an example of a general flow of credit card payment processing. [Figure 4] FIG. 1 is a diagram showing an example of various due dates and possible procedures for credit card services. [Figure 5] FIG. 10 is a diagram showing an example of a screen displayed by the credit card application 20 according to the date of the day. [Figure 6] FIG. 10 is a diagram showing an example of a screen displayed by the credit card application 20 according to the date of the day. [Figure 7] FIG. 10 is a diagram showing an example of a screen displayed by the credit card application 20 according to the date of the day. [Figure 8] FIG. 10 is a diagram showing an example of a screen displayed by the credit card application 20 according to the date of the day. [Figure 9] FIG. 10 is a diagram showing an example of a screen displayed by the credit card application 20 according to the date of the day. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of the application program, payment system, payment management device, and program of the present invention will be described. Various devices that provide services to users and perform internal analysis, such as the "server," "management device," and "information providing device" mentioned below, may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the owner of the device hardware (the cloud server provider) and the business that actually operates it may also be different.

[0010] The application program and the credit card server work together to form part of the payment system. In the following description, the application program is referred to as a credit card app. The credit card app may be a mini-app called from the payment app to receive electronic payment services using a terminal device such as a smartphone.

[0011] First Embodiment [composition] FIG. 1 is a diagram showing an example of a system for providing a credit card service (an example of a payment service). The credit card service is realized by, for example, a credit card 1, a credit card application 20 running on a terminal device 10, a credit card processing terminal 50, an affiliated store server 60, an on-behalf-of payment agent server (acquirer) 80, and a credit card server 100. These components communicate via a network NW or a more local communication network. The network NW includes, for example, the Internet, a wide area network (WAN), a cellular network, a wireless base station, and a dedicated network for credit card transactions (such as CAFIS or CardNet). The credit card processing terminal 50 and the credit card server 100 communicate, for example, via a dedicated network. The credit card application 20 and the credit card server 100 communicate via a network NW that is different from a dedicated network such as the Internet. The credit card server 100 is an example of a payment management device.

[0012] The credit card 1 has a communication chip embedded in the card substrate. The communication chip has a built-in storage medium that stores a PIN and communicates with an external device via a contactor (or a wireless antenna). Alternatively, the credit card 1 may be a magnetic card.

[0013] The terminal device 10 is a computer device having at least a communication function and a display function, such as a smartphone, a tablet terminal, or a personal computer. In the terminal device 10, a processor such as a CPU executes a credit card application 20, thereby linking with the credit card server 100 to receive various information related to credit card services. The credit card application 20 is installed in the terminal device 10 from, for example, an application store, and controls each part of the terminal device 10.

[0014] The credit processing terminal 50 is installed in the store. The credit processing terminal 50 includes, for example, a credit card payment terminal (credit card reader) and a POS device. The credit card payment terminal reads a PIN (Personal Identification Number) from an inserted or held-up credit card and collates it with the PIN entered by the user, and transmits a BIN (Bank Identification Number) code and the like read from the credit card to the credit card server 100 via the POS device and (member store server 60). The member store server 60 is operated by the member store to which the store belongs (for example, if XX Coffee is a member store, then XX Coffee Store corresponds to the store). Its functions will be described later.

[0015] The on-behalf payment agent server (acquirer) 80 is solely involved in processing sales messages and is operated by a business that pays the sales amount on behalf of the member store before the user deposits the money.

[0016] Credit card server 100 includes, for example, payment processing unit 110, information management unit 120, and storage unit 170. The components other than storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as a large-scale integration (LSI), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or a graphics processing unit (GPU), or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive.

[0017] The storage unit 170 may be a hard disk drive (HDD), flash memory, or random access memory (RAM). The storage unit 170 may be a network-attached storage (NAS) device accessible by the credit card server 100 via a network. The storage unit 170 stores information such as user information 172 and a dictionary 174. FIG. 2 is a diagram showing an example of the contents of the user information 172. For example, the user information 172 associates a credit card number with information such as the user's name, address, telephone number, email address, communication identification information of the terminal device 10, identification information of the credit card application 20, payment limit, total payment amount, revolving payment balance, revolving payment limit, revolving payment change due date, payment account, and payment account candidates. Note that the payment amount, revolving payment limit, and balance may be categorized and managed in more detail, but are shown here simply.

[0018] The payment processing unit 110 processes the authorization message and the sales message, and performs payment processing for the consumption behavior of the user. Figure 3 is a diagram showing an example of the general flow of credit card payment processing.

[0019] First, (1) the user presents credit card 1. (2) The affiliated store server 60 sends an authorization message to the credit card server 100 and requests authorization. (3) The credit card server 100 determines whether the payment can be made based on the validity, usage limit, and usage history of the credit card 1, and sends the result to the affiliated store server 60 as the authorization result. (4) If the authorization result is "approved," the product or service is provided to the user.

[0020] (5) The affiliated store server 60 sends a sales message to the reimbursement agent server 80 and requests the settlement of the sales. (6) The reimbursement agent server 80 transfers the sales message to the credit card server 100 (some content may be edited, etc.) and sends a sales notification. (7) The credit card server 100 performs processing to settle the amount used on credit card 1 (bank transfer, etc.). (8) The reimbursement agent server 80 performs processing to transfer the amount used on credit card 1 to the affiliated store. (9) Thereafter, as the closing date for credit card 1 approaches, the credit card server 100 contacts the affiliated store to request the amount used, and (10) the user pays the amount used.

[0021] The information management unit 120 performs processes such as creating and editing user information 172. In the credit card service, a user can select between a lump-sum payment, in which the payment amount related to the payment information received by the payment management device by the billing deadline is paid in a lump sum on the billing date of the following month, and a revolving payment. The "revolving payment change due date" (hereinafter simply referred to as the "due date") in the user information 172 is the due date on which a change from a lump-sum payment to a revolving payment can be made. If the due date is before the due date, the current month's payment (the payment for which the earliest billing occurs among the outstanding payments) can be changed from a lump-sum payment to a revolving payment. However, if the due date is after the due date, only payments for the following month and thereafter can be changed from a lump-sum payment to a revolving payment. The due date is uniquely determined by the payment account, and the due date corresponding to the payment account selected by the user is set as the due date in the user information 172. The information management unit 120 notifies the credit card application 20 of the due date information when the payment account is changed and / or at any time. The credit card application 20 obtains this information from the credit card server 100.

[0022] FIG. 4 shows an example of various due dates and possible procedures for credit card services. It also shows an example of a screen displayed by the credit card application 20 according to the current date. As shown in the figure, the credit card service has a closing date, due date, and settlement date for account changes. As shown in the figure, the payment account can be changed from the 1st to the closing date for account changes, but cannot be changed from the following day to the last day of the month. Furthermore, from the 1st to the due date, the payment for the current month can be changed to a revolving payment, but cannot be changed from the following day to the last day of the month. However, if the revolving payment balance has reached its upper limit, it is not possible to change from a lump-sum payment to a revolving payment in either case. If the due date changes in accordance with a change to the payment account, the period during which the payment can be changed from a lump-sum payment to a revolving payment also changes accordingly.

[0023] 5 to 9 are diagrams showing examples of screens displayed by the credit card application 20 according to the current date. FIG. 5 is a diagram showing an example of a screen IM1 displayed by the credit card application 20 by just before (for example, about one day before) the closing date for account changes. In the screen IM1, in an area A1 displaying the payment amount (150,000 yen) for the current month, October (an example of the first month), a link image OB1 for transitioning to a screen for changing the payment method and a link image OB2 for transitioning to a screen for changing to a revolving payment are displayed in association with the payment amount for October, and links are set for each link image. In addition, the screen IM1 displays an area A2 displaying the payment amount (100,000 yen) for November (an example of the second month following the first month) and thereafter. When the link image OB1 is operated, the credit card application 20 displays a screen for changing the payment method and accepts the user's operation to change the payment method. When link image OB2 is operated, credit card application 20 displays a screen for changing to revolving payment and accepts the user's operation to change to revolving payment. The operation to change to revolving payment is performed, for example, for each payment. Figure 6 is a diagram showing an example of screen IM2 displayed by credit card application 20 from just before the closing date for account changes (for example, about one day before) to the end of the closing date. On screen IM2, link image OB1 for transitioning to a screen for changing the payment method and its guidance image are no longer displayed. On images IM1 and IM2, the word "unconfirmed" is displayed in area A1. "Unconfirmed" is the state before it becomes provisionally confirmed.

[0024] FIG. 7 is a diagram showing an example of screen IM3 displayed by the credit card application 20 from the day after the account change deadline until a predetermined time on the account change deadline. On screen IM3, similar to screens IM1 and IM2, a link image OB2 for transitioning to a screen for changing to revolving payments is displayed in area A1 along with the payment amount for October. On screen IM3, the word "unconfirmed" is changed to "provisionally confirmed." FIG. 8 is a diagram showing an example of screen IM4 displayed by the credit card application 20 from a predetermined time on the account change deadline until the finalization date. On screen IM4, a link image OB2 for transitioning to a screen for changing to revolving payments is displayed in area A2 along with the payment amount for November. On images IM3 and IM4, the word "provisionally confirmed" is displayed in area A1 instead of "unconfirmed." Provisionally confirmed indicates a state in which a change to revolving payments is possible after the withdrawal amount has been determined.

[0025] FIG. 9 is a diagram showing an example of screen IM5 displayed by credit card application 20 after the confirmation date. On screen IM5, the word "confirmed" is displayed in area A1 instead of "provisionally confirmed." Confirmed means that the revolving payment cannot be changed and the withdrawal amount has been confirmed. Then, on the billing date (for example, a few days before the end of the month), the word "payment confirmation in progress" is displayed, and the next day, a word indicating whether payment confirmation has been made is displayed.

[0026] When the link image OB1 on the screen IM1 is operated and the payment method is changed, the due date is changed appropriately according to the payment method.

[0027] According to the embodiment described above, it is possible to intuitively inform the user whether or not the deadline has been crossed.

[0028] While the above explanation focuses exclusively on payments using a physical card, i.e., credit card 1, it can also be applied to payments using a code image and a terminal device (hereinafter, "smartphone payment"), and to services in which payments are made by combining the physical card payment and the smartphone payment. In smartphone payments, a payment app running on terminal device 10 reads a code image displayed at a store, or a POS device in the store reads a code image displayed by the payment app. The payment amount and the user's identification information (which may be indirect identification information such as a one-time code) are transmitted to the payment server, and the payment is made. The payment method can be selected from a payment method based on the remaining balance or a payment method utilizing the credit of credit card 1. For payments in which the payment method utilizing the credit of credit card 1 is selected, information such as the payment amount and the user's identification information is transmitted from the smartphone payment management server to credit card server 100, and the payment is then transferred. In this case, credit card app 20 called by the payment app, or the payment app itself, may perform the same processing and display control as described in Figures 4 to 9.

[0029] Second Embodiment In the first embodiment described above, switching between screens IM1 to IM5 and the like is performed solely on the credit card application 20 side, but screens may be prepared on the credit card server 100 side and transmitted to the credit card application 20 as needed in the form of a web page or the like to be displayed on the credit card application 20. In this case, the credit card server 100 is equipped with a display control unit that, if the current date is before the due date, causes the terminal device 10 to display a screen (first content) in which a link image is displayed, associated with the first month's payment amount, in an area displaying the first payment amount, for transitioning to a screen for performing an operation to change from lump sum payment to revolving payment, and, if the current date is after the due date, causes the terminal device 10 to display a screen (second content) in which a link image is displayed, associated with the payment amounts for the second month and thereafter following the first month, for transitioning to a screen for performing an operation to change from lump sum payment to revolving payment.

[0030] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0031] 10 Terminal Equipment 20. Credit Card App 50 Credit card processing terminals 60 Merchant Server 80 Reimbursement agent server 100 Credit Card Server 110 Payment processing unit 120 Information Management Department 170 Storage section 172 User information

Claims

1. An application program that operates on a user's terminal device and provides a payment service in cooperation with a payment management device, The payment service allows the user to select between a lump-sum payment, in which the payment amount related to the payment information received by the payment management device by the billing closing date is paid in a lump sum on the billing date of the following month, and a revolving payment, The terminal device A process of acquiring information on a due date on which the lump-sum payment can be changed to the revolving payment from the payment management device; If the current date is before the due date, a process of displaying a link image for transitioning to a screen for changing the lump-sum payment to the revolving payment in conjunction with the first month's payment amount; If the current date is later than the due date, a process of displaying a link image for transitioning to a screen for changing from the lump-sum payment to the revolving payment in association with the payment amount for the second month or thereafter following the first month; An application program for executing

2. An application program that operates on a user's terminal device and provides a payment service in cooperation with a payment management device, The payment service allows the user to select between a lump-sum payment, in which the payment amount related to the payment information received by the payment management device by the billing closing date is paid in a lump sum on the billing date of the following month, and a revolving payment, The terminal device A process of acquiring information on a due date on which the lump-sum payment can be changed to the revolving payment from the payment management device; If the current date is before the due date, a process of displaying a link image in an area where the payment amount for the first month is displayed to transition to a screen for changing from the lump-sum payment to the revolving payment; If the current date is later than the due date, a process of displaying a link image for transitioning to a screen for changing from the lump-sum payment to the revolving payment within an area displaying the payment amounts for the second month and thereafter following the first month; An application program for executing

3. The due date is changed depending on the debit account to the payment service; The terminal device and further executing a process of accepting an operation by the user to change the withdrawal account and transmitting a result of the operation to the payment management device.

3. The application program according to claim 1.

4. an application program that runs on a user's terminal device and cooperates with the payment management device to provide a payment service; A payment system comprising the payment management device, The payment service allows the user to select between a lump-sum payment, in which the payment amount related to the payment information received by the payment management device by the billing closing date is paid in a lump sum on the billing date of the following month, and a revolving payment, The payment management device an information management unit that manages information on the due date when the lump-sum payment can be changed to the revolving payment; The application program is installed on the terminal device. A process of acquiring information on a due date on which the lump-sum payment can be changed to the revolving payment for the first month payment from the payment management device; If the current date is before the due date, a process of displaying a link image for transitioning to a screen for changing the lump-sum payment to the revolving payment in conjunction with the first month's payment amount; If the current date is later than the due date, a process of displaying a link image for transitioning to a screen for changing from the lump-sum payment to the revolving payment in association with the payment amount for the second month or thereafter following the first month; A payment system that executes the above.

5. an application program that runs on a user's terminal device and cooperates with the payment management device to provide a payment service; A payment system comprising the payment management device, The payment service allows the user to select between a lump-sum payment, in which the payment amount related to the payment information received by the payment management device by the billing closing date is paid in a lump sum on the billing date of the following month, and a revolving payment, The payment management device an information management unit that manages information on the due date when the lump-sum payment can be changed to the revolving payment; The application program is installed on the terminal device. A process of acquiring information on a due date on which the lump-sum payment can be changed to the revolving payment for the first month payment from the payment management device; If the current date is before the due date, a process of displaying a link image in an area where the first month's payment amount is displayed to transition to a screen for changing from the lump-sum payment to the revolving payment; If the current date is later than the due date, a process of displaying a link image for transitioning to a screen for changing from the lump-sum payment to the revolving payment within an area displaying the payment amounts for the second month and thereafter following the first month; A payment system that executes the above.

6. A payment management device that provides a payment service in cooperation with an application program running on a user's terminal device, The payment service allows the user to select between a lump-sum payment, in which the payment amount related to the payment information received by the payment management device by the billing closing date is paid in a lump sum on the billing date of the following month, and a revolving payment, The payment management device an information management unit that manages information on the due date when the lump-sum payment can be changed to the revolving payment; If the current date is before the due date, displaying on the terminal device a first content in which a link image for transitioning to a screen for changing the lump-sum payment to the revolving payment is displayed in addition to the first month's payment amount, a display control unit that displays, when the current date is later than the due date, second content on the terminal device, in which a link image for transitioning to a screen for changing from the lump-sum payment to the revolving payment is displayed in association with the payment amount for the second month or thereafter following the first month; A payment management device comprising:

7. A payment management device that provides a payment service in cooperation with an application program running on a user's terminal device, The payment service allows the user to select between a lump-sum payment, in which the payment amount related to the payment information received by the payment management device by the billing closing date is paid in a lump sum on the billing date of the following month, and a revolving payment, The payment management device an information management unit that manages information on the due date when the lump-sum payment can be changed to the revolving payment; If the current date is before the due date, display on the terminal device a first content in which a link image for transitioning to a screen for changing from the lump-sum payment to the revolving payment is displayed in an area in which the payment amount for the first month is displayed, a display control unit that displays, on the terminal device when the current date is later than the due date, a second content in which a link image for transitioning to a screen for changing from the lump-sum payment to the revolving payment is displayed in an area in which the payment amounts for the second month and thereafter following the first month are displayed; and A payment management device comprising:

8. A program executed by a processor of a payment management device that provides a payment service in cooperation with an application program running on a user's terminal device, The payment service allows the user to select between a lump-sum payment, in which the payment amount related to the payment information received by the payment management device by the billing closing date is paid in a lump sum on the billing date of the following month, and a revolving payment, the processor, a process for managing information on the due date when the lump-sum payment can be changed to the revolving payment; If the current date is before the due date, a process of displaying on the terminal device a first content in which a link image for transitioning to a screen for changing from the lump-sum payment to the revolving payment is displayed in an area in which the payment amount for the first month is displayed; If the current date is later than the due date, a process of displaying on the terminal device a second content in which a link image for transitioning to a screen for changing from the lump-sum payment to the revolving payment is displayed in association with the payment amount for the second month or thereafter following the first month; A program to execute.

9. A program executed by a processor of a payment management device that provides a payment service in cooperation with an application program running on a user's terminal device, The payment service allows the user to select between a lump-sum payment, in which the payment amount related to the payment information received by the payment management device by the billing closing date is paid in a lump sum on the billing date of the following month, and a revolving payment, the processor, a process for managing information on the due date when the lump-sum payment can be changed to the revolving payment; If the current date is before the due date, a process of displaying on the terminal device a first content in which a link image for transitioning to a screen for changing from the lump-sum payment to the revolving payment is displayed in an area in which the payment amount for the first month is displayed; If the current date is later than the due date, a process of displaying on the terminal device a second content in which a link image for transitioning to a screen for changing from the lump-sum payment to the revolving payment is displayed in association with the payment amount for the second month or thereafter following the first month; A program to execute.

Images