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

Abstract

To provide a delayed debit transaction that is flexible and highly convenient for a user. [Solution] The delayed debit payment system 1 of the embodiment comprises a user terminal 10 that accepts a setting from a user as to whether or not to conduct a delayed debit transaction, and a delayed server 20 communicatively connected to the user terminal 10. The delayed server 20 comprises an information acquisition unit 211 that acquires cashless transaction information, a delayed quota determination unit 212 that determines a delayed quota for delayed debit transactions based on the user's cashless transaction usage status, a transaction feasibility determination unit 213 that determines whether a delayed debit transaction is possible based on the transaction amount and the delayed quota, a tanking processing unit 214 that performs tanking processing if a delayed debit transaction is possible, and an information output unit 215 that outputs an account deduction instruction to debit the transaction amount from the user's account when the settlement date arrives.

Description

[Technical field]

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

[0002] Debit card transactions (hereinafter simply referred to as "debit transactions"), in which the transaction amount is instantly deducted from a bank account, are known as one type of cashless transaction at stores or e-commerce sites. Debit transactions have the advantage that the payer (user) does not have to worry about overspending, as is the case with credit card payments. On the other hand, it is necessary to know the account balance and other scheduled deductions in advance. For this reason, debit transactions are less convenient for users than credit cards.

[0003] In response to this, it has been proposed to allow users to set the deduction date within a specified deduction period (Patent Document 1), or to complete the transaction if it is within an amount calculated based on the account status such as the account balance, and to postpone the deduction of the transaction amount until the user gives instructions (Patent Document 2).

[0004] As described above, there have been known transactions using debit cards in which the transaction amount is not immediately debited (referred to as a "delayed debit transaction" in this application). However, there is a demand for a delayed debit transaction that is more flexible and convenient for users. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] JP 2001-351036 A [Patent Document 2] 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 payment system, a delayed debit payment method, and a delayed debit payment program that can provide users with flexible and convenient delayed debit transactions. [Means for solving the problem]

[0007] The delayed debit payment system according to the present invention comprises: 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; and an information output unit that outputs to a bank system, when the settlement date arrives, an account debit instruction for debiting the transaction amount from the user's account.

[0008] In addition, in the delayed debit payment system, If it is determined that the delayed debit transaction is not possible, the information output unit of the delayed server may output information to the effect that the cashless transaction is not possible.

[0009] In addition, in the delayed debit payment system, If it is determined that the delayed debit transaction is not possible, 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.

[0010] In addition, in the delayed debit payment system, Even if the setting is set to perform a delayed debit transaction, if the user desires a debit transaction for the cashless transaction, the tanking processing unit may not perform the tanking 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.

[0011] In addition, in the delayed debit payment system, The delayed limit determination unit may determine 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.

[0012] In addition, in the delayed debit payment system, The delayed quota determination unit may determine the delayed quota regardless of the balance in the user's account.

[0013] In addition, in the delayed debit payment system, The delayed quota determination unit may increase or decrease the delayed quota for each predetermined period based on the cashless transaction usage status.

[0014] In addition, in the delayed debit payment system, If the user terminal accepts an immediate payment instruction for the cashless transaction after the tanking process has been performed, 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] In addition, in the delayed debit payment system, The delayed quota determination unit may restore the balance of the delayed quota by the amount of the transaction amount debited from the account, with the delayed quota as an upper limit.

[0016] In addition, in the delayed debit payment system, The user terminal may be configured to individually accept transactions that involve real-time payment from among a plurality of cashless transactions.

[0017] In addition, in the delayed debit payment system, If the setting to perform the delayed debit transaction is not set, the tanking processing unit of the delayed server may not perform the tanking 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] In addition, in the delayed debit payment system, The transaction permission determination unit may determine that the delayed debit transaction is possible if the transaction amount is equal to or less than an amount obtained by subtracting an unsettled amount of the delayed debit transaction from the delayed limit.

[0019] The delayed debit payment method according to the present invention comprises: 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; Equipped with.

[0020] The delayed debit payment program according to the present invention comprises: 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; Function as.

[0021] The delayed debit payment program according to the present invention comprises: A user terminal connected to the delayed server so as to be able to communicate with the delayed server, For cashless transactions in which it has been determined that a debit transaction and a delayed debit transaction are possible, the display control unit functions as a display control unit that displays a screen for selecting a delayed debit transaction or a debit transaction. Effect of the Invention

[0022] According to the present invention, it is possible to provide a user with a flexible and convenient delayed debit transaction. [Brief description of the drawings]

[0023] [Figure 1] FIG. 1 is a diagram showing a schematic configuration of a delayed debit payment system according to an embodiment. [Diagram 2] FIG. 2 is a functional block diagram of a user terminal according to the embodiment. [Diagram 3] 13A and 13B are diagrams illustrating an example of a screen of a user terminal according to an embodiment. [Figure 4] FIG. 2 is a functional block diagram of a delayed server according to the embodiment. [Diagram 5] 4 is an example of a user information database according to the embodiment. [Figure 6] 1 is an example of an unsettled transaction database according to an embodiment. [Figure 7] FIG. 2 is a sequence diagram for explaining a delayed debit payment method according to an embodiment. [Figure 8] FIG. 8 is a sequence diagram illustrating the delayed debit payment method according to the embodiment, following FIG. 7. [Figure 9] 13A and 13B are diagrams illustrating an example of a screen of a user terminal according to an embodiment. [Figure 10]FIG. 11 is a sequence diagram for explaining a delayed debit payment method according to a first modified example of an embodiment. [Figure 11] FIG. 11 is a diagram illustrating an example of a screen of a user terminal according to the embodiment. [Figure 12] FIG. 11 is a sequence diagram for explaining a delayed debit payment method according to a second modified example of an embodiment. [Figure 13] FIG. 11 is a diagram illustrating an example of a screen of a user terminal according to the embodiment. [Figure 14] 13A and 13B are diagrams illustrating an example of a screen of a user terminal according to an embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

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

[0025] <Delayed debit payment system> First, a schematic configuration of a delayed debit payment system 1 according to an embodiment will be described with reference to Fig. 1. The delayed debit payment system 1 is configured to enable a delayed debit transaction (hereinafter, simply referred to as a "delayed transaction") when a cashless transaction is performed at a store or an EC site.

[0026] The delayed debit payment system 1 includes a user terminal 10, a delayed server 20, a bank system (accounting system) 30, and a purchase site server 40. Here, the delayed server 20 is communicatively 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 there are no particular limitations on the connection form (wired, wireless, etc.) or communication protocol.

[0027] The user terminal 10 is an information processing terminal used by a user, and is, for example, a smartphone, a tablet terminal, a desktop computer, a notebook computer, or the like. In this embodiment, the user terminal 10 is a smartphone. In addition, as will be described in detail later, the user terminal 10 is configured to accept a setting from the user as to whether or not to perform a delayed debit transaction (hereinafter, simply referred to as a "delayed setting"). While the delayed setting is on, all cashless transactions become delayed debit transactions.

[0028] In this embodiment, a cashless transaction is a transaction using a debit card (such as a Visa debit card). In this application, a delayed debit transaction is also called a "self-paced payment."

[0029] If the user terminal 10 is a smartphone, a debit card may be registered in the user terminal 10 so that transactions can be carried out using the debit card through the user terminal 10.

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

[0031] The bank system 30 is communicatively 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 connected to the delayed server 20 so that it can communicate with the delayed server 20. The purchase site server 40 transmits payment data (cashless transaction information) to the delayed server 20 when a user performs a cashless transaction at a store, an EC site, or the like. The payment data includes the transaction amount of the cashless transaction. In addition, the payment data may include the time of the transaction, identification information of the store or EC site, user account information, and information on the cashless payment method (card, etc.).

[0033] The user terminal 10 and the delayed server 20 will be described in detail below.

[0034] <User terminal 10> The user terminal 10 will be described with reference to the functional block diagram of FIG.

[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 receiving unit 111 that receives information input by a user, 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 by wireless or wired communication. Note that the method and standard of communication by the communication unit 12 is not particularly limited.

[0038] The display unit 13 displays various images and information such as a GUI (Graphical User Interface) that accepts user operations, etc. The display unit 13 is configured by, for example, a liquid crystal display, an organic EL display, a CRT (Cathode Ray Tube) display, or the like.

[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 composed of a semiconductor memory and / or a hard disk drive, etc.

[0040] In this embodiment, an app for a bank where the user has an account is installed on the user terminal 10. By starting the app, the user can check the account balance and the history of cashless transactions. Fig. 3(a) and Fig. 3(b) are example screens of the app. This screen displays the history of debit card usage, with the amount used per month shown as a bar graph at the top 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 (e.g. Supermarket XX 2,200 yen) are displayed at the bottom of the screen.

[0041] In the center of the screen in FIG. 3(a), "Pay at your own pace" is displayed, and a toggle switch TS is disposed next to it. When the user slides the toggle switch TS to the right, as shown in FIG. 3(b), the payment at your own pace, i.e., the delayed setting, is turned on. When the delayed setting is changed, the user terminal 10 transmits information indicating that to the delayed server 20. When the information is received, the processing unit 21 of the delayed server 20 updates the user information database 231 described later. In addition, when the delayed setting is turned on, the text T1 "Withdraw from account at the set time" becomes selectable. When the user selects (tap, etc.) the text T1, the screen transitions to an immediate payment screen (FIG. 9(a) described later).

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

[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 delayed quota determination unit 212, a transaction permission determination unit 213, a tanking processing unit 214, and an information output unit 215. In this embodiment, the processing unit 21 is configured with a processor, and functions corresponding to each program are realized by reading and executing a program from the storage unit 23. Note that each function of the processing unit 21 may be realized by cooperation between multiple servers capable of communicating with each other.

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

[0046] The storage unit 23 is configured with a semiconductor memory and / or a hard disk drive, etc. In this 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] The storage unit 23 also stores a user information database 231 and an unsettled transaction database 232. The user information database 231 is a database that stores information for each user. The unsettled transaction database 232 is a database that stores information related to unsettled cashless transactions by delayed debit transactions.

[0048] FIG. 5 shows an example of the user information database 231. In this example, identification information (user ID), delayed setting, cashless transaction information (settled, unsettled), delayed limit, and unpaid information (unpaid flag) are stored for each user. The "delayed setting" is updated in response 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 "delayed limit" stores the delayed limit (the limit of delayed debit transactions) determined by the delayed limit determination unit 212. The "unpaid" is "not" in the initial state, but becomes "yes" when the delay server 20 receives a notice from the bank system 30 that the account debit process could not be completed.

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

[0050] Next, each part of the processing unit 21 of the delayed server 20 will be described in detail.

[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, the information acquisition unit 211 acquires cashless transaction information including the transaction amount of the user's cashless transaction transmitted from the purchase site server 40.

[0052] The information acquisition unit 211 acquires delayed settings, immediate payment instructions, and the like from the user terminal 10. Here, an immediate payment instruction is an account debit instruction for immediately debiting the transaction amount from the user's account regardless of the delayed setting, and is also called a discretionary payment instruction or discretionary settlement instruction. The information acquisition unit 211 also acquires the result of the account debit process from the bank system 30.

[0053] The delayed limit determination unit 212 determines a delayed limit (available limit) for delayed debit transactions. More specifically, the delayed limit determination unit 212 determines the delayed limit based on the user's cashless transaction usage status. In this embodiment, the cashless transaction usage status is the usage status of a debit card. The delayed limit determination unit 212 determines the delayed limit based on at least one of the number of times cashless transactions (debit card transactions) have been used, the number of categories (number of businesses) of the affiliated stores used, the amount used, and the number of months of use. The number of times the debit card has been used may be the total number of times debit transactions and delayed debit transactions have been used, or may be the number of times only delayed debit transactions (or only debit transactions) have been used.

[0054] In this way, the delayed quota determination unit 212 determines the limit amount of a delayed debit transaction based on the usage status of cashless transactions by the user. In this embodiment, the delayed quota determination unit 212 may determine the delayed quota regardless of the balance of the user's account (i.e., regardless of the account balance). This allows an appropriate quota to be granted depending on the usage status of cashless transactions by the user. The delayed quota determination unit 212 may also determine the delayed quota based on the attributes of the user (age, occupation, etc.). The delayed quota determination unit 212 may also determine the delayed quota using a trained model (so-called AI) obtained by machine learning.

[0055] The delay limit determination unit 212 may review the delay limit at an appropriate timing. For example, the delay limit determination unit 212 increases or decreases the delay limit for each predetermined period based on the cashless transaction usage status. In addition, the delay limit determination unit 212 may increase or decrease the delay limit at the timing when a user requests to review the delay limit.

[0056] The transaction permission determination unit 213 determines whether a normal transaction (debit transaction) using a debit card and a delayed debit transaction are permitted. Regarding a debit transaction, the transaction permission determination unit 213 determines that the debit transaction is not permitted if, for example, the store or EC site does not accept debit cards, if the transaction exceeds the debit card limit, or if the transaction amount exceeds the user's account balance.

[0057] Furthermore, the transaction permission determination unit 213 determines whether or not a delayed debit transaction is possible based on the transaction amount and the delayed limit for a delayed debit transaction. In more detail, the transaction permission determination unit 213 determines that a delayed debit transaction is possible if the transaction amount of the cashless transaction is equal to or less than the delayed limit minus the unsettled amount of the delayed debit transaction.

[0058] The tanking processor 214 performs tanking processing for a cashless transaction that is determined to be a delayed debit transaction. In more detail, when a delayed debit transaction is set and it is determined that a delayed debit transaction is possible, the tanking processor 214 stores the transaction amount of the cashless transaction in the unsettled transaction database 232 together with the user's account information and the settlement date.

[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 cashless transaction information in the user information database 231 to the user terminal 10. The information output unit 215 also outputs an account debit instruction to the bank system 30. For example, 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 based on the unsettled transaction database 232. Such an account debit instruction due to the arrival of the settlement date is also called a "periodic settlement instruction."

[0060] The information output unit 215 may output an immediate payment instruction to the bank system 30 at the request of the user even after the tanking process. 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 is performed, 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 quota determination unit 212 may restore the balance of the delayed quota by the amount of the transaction amount debited from the user's account, with the delayed quota as the upper limit. The delayed quota may be restored after the account debit instruction is output, or after a report that the account debit process has been completed is received from the bank system 30. In addition, the tanking processing unit 214 deletes the record related to the transaction from the unsettled transaction database 232 after the debit process is completed.

[0061] <Delayed debit payment method> An example of a payment method using the above-mentioned delayed debit payment system 1 will be described with reference to the sequence diagrams of Figures 7 and 8. The description begins with the steps after a user performs a cashless transaction at a store or the like and the delayed server 20 receives cashless transaction information from the purchase site server 40. The delayed limit is determined in advance.

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

[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 to the effect that the transaction is not possible to the purchase site server 40. The message may also be output to the user terminal 10. The user terminal 10 that receives 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 permission determination unit 213 determines whether the delayed setting is ON (i.e., whether a setting has been made to perform a delayed debit transaction). For example, the determination is made by referring to the "delayed setting" in the user information database 231. If the delayed setting is ON (S12: Yes), proceed to step S13. On the other hand, if the delayed setting is OFF (S12: No), proceed to step S14.

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

[0066] If it is determined that the delayed transaction is possible (S13: Yes), the delay server 20 transmits a request for a validity check to the bank system. On the other hand, if it is determined that the delayed transaction is not possible (S13: No), the information output unit 215 of the delay server 20 outputs a message to the purchase site server 40 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 has received the request for a validity check from the delayed server 20 performs a validity check (step S22). In the validity check, for example, it is confirmed whether the general conditions for card transactions are met, such as whether a loss or theft report of the debit card has been submitted.

[0068] If the validity check is passed (S22: OK), the bank system 30 transmits that fact to the delayed server 20. In this case, the delayed server 20 performs step S15. On the other hand, if the validity check is not passed (S22: NG), the bank system 30 transmits that fact to the delayed server 20. In this case, the delayed server 20 transmits a message to the purchasing site server 40 that the transaction is not possible.

[0069] Step S14: The transaction permission determination unit 213 of the delayed server 20 determines whether or not a normal debit transaction is possible. In this step, for example, if the transaction amount exceeds the user's account balance, the transaction permission determination unit 213 determines that the 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 delayed server 20 outputs a message to the purchase site server 40 that the transaction is not possible. On the other hand, if it is determined that a normal debit transaction is possible (S14: Yes), the delayed server 20 transmits an account debit instruction to the bank system 30. Upon receiving the account debit instruction, the bank system 30 performs the account debit process (step S21). When the account debit process is completed normally, the bank system 30 transmits a debit completion notification to the delayed server 20.

[0071] Step S15: The tanking processing unit 214 of the delayed server 20 performs tanking processing of the cashless transaction for which it has been determined that a delayed debit transaction is possible. In detail, the tanking processing unit 214 stores the transaction amount of the cashless transaction in the unsettled transaction database 232 together with the user's account information and the settlement date.

[0072] Step S16: The processing unit 21 (e.g., 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 unsettled transaction database 232 and determines whether there is a record whose settlement date has 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 ends 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 transaction in the unsettled transaction database 232.

[0074] Step S18: The processing unit 21 (for example, the information acquisition unit 211) determines whether or not 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; otherwise (S18: No), return to step S16.

[0075] The user can transmit an immediate payment instruction from the user terminal 10 to the delayed server 20. For example, when the user taps the text T1 "withdraw from account at the set timing" on the screen of FIG. 3(b) described above, the screen transitions to the screen of FIG. 9(a). This screen displays delayed debit transactions that have not been settled (i.e., transactions stored in the unsettled transaction database 232). Each transaction is displayed with buttons B1 and B2 labeled "Pay." When the user taps the button for the transaction that he or she wishes to settle immediately, the screen transitions to the screen of FIG. 9(b). When the user taps the button B3 labeled "Pay now" on the screen of FIG. 9(b), the user terminal 10 transmits an immediate payment instruction for the transaction to the delayed server 20.

[0076] In this manner, in this embodiment, the user terminal 10 (the information receiving unit 111) is configured to individually receive transactions involving real-time payment from among a plurality of cashless transactions.

[0077] 7 and 8 are merely examples, and various modifications are possible. For example, the process of step S14 (checking whether the transaction amount exceeds the user's account balance) may be performed in step S11, in which case step S14 may be omitted.

[0078] Also, step S13 (determining whether or not a delayed transaction is possible) may be performed before step S12 (checking the delayed setting).

[0079] Furthermore, before step S21 (debiting the account for a debit transaction) in the bank system 30, the bank system 30 may check for card loss, death, etc., and may perform step S21 only if it is confirmed that there is no problem. Also, step S22 (validity check in the bank system 30) may be omitted.

[0080] In addition, if the bank system 30 is unable to perform the account withdrawal process due to insufficient balance, etc., the bank system 30 may transmit to the delay server 20 a message indicating that the account withdrawal is not possible. In this case, the delay server 20 sets the "Unpaid" column in the user information database 231 to "Yes."

[0081] In order to prevent duplicate transactions, it may be possible to confirm in step S12 or S13 that the transaction is an unsettled delayed debit transaction.

[0082] <Action and effect> As described above, in this embodiment, the user terminal 10 accepts a setting from the user as to whether or not to perform a delayed debit transaction, and the delayed server 20 acquires cashless transaction information including the transaction amount of the user's cashless transaction, determines a delayed allowance for a 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 delayed allowance, and if a delayed debit transaction is set to be performed and it is determined that a delayed debit transaction is possible, a tanking process is performed to store the transaction amount of the cashless transaction in an unsettled transaction database together with the user's account information and the settlement date, and when the settlement date arrives, an account debit instruction is output to the bank system 30 to debit the transaction amount from the user's account.

[0083] In this way, since the user terminal is configured to receive a setting from the user as to whether or not to perform a delayed debit transaction, the user can select whether or not to perform a delayed debit transaction at any time. Furthermore, since the delayed quota, which is the limit on the delayed debit transaction amount, is determined based on the user's cashless transaction usage status, the user can use delayed debit transactions according to the usage of cashless transactions.

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

[0085] Next, two modified examples of the embodiment will be described.

[0086] <Variation 1> In the above embodiment, if it is determined in step S13 that a delayed debit transaction is not possible, the transaction is not possible and the cashless transaction is not completed. In contrast, in this modified example, even if a delayed debit transaction is not possible, if a debit transaction is possible, the debit transaction is automatically performed.

[0087] 10 is an example of a sequence diagram showing the processing according to Modification 1. As can be seen from this diagram, if it is determined that a delayed debit transaction is not possible (S13: No), the processing proceeds to step S14, which is different from the embodiment. If the transaction permission determination unit 213 determines in step S14 that a normal debit transaction is possible, the delayed server 20 transmits an account withdrawal instruction to the bank system 30.

[0088] Fig. 11 shows an example of a screen displayed on the user terminal 10 after the account withdrawal process. This screen displays the fact that a debit transaction (immediate withdrawal) was performed due to an excess over the delayed available balance, the withdrawal date and time, the withdrawal amount, and the available balance of the delayed debit transaction. Also, at the bottom of the screen, it is displayed that the delayed limit will be returned by optional settlement (advance repayment). When text T2 on the screen is tapped, the screen transitions to Fig. 9(a) for optional settlement.

[0089] As described above, according to the first modification, even if 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, it is possible to provide a more flexible and convenient delayed debit transaction for the user. Note that the process flow in FIG. 11 is an example, and modifications similar to those described in the embodiment can be made.

[0090] <Variation 2> In the above embodiment, when a setting for delayed debit transactions was made (i.e., the delayed setting was on) and it was determined that a delayed debit transaction was possible, the delayed debit transaction was automatically performed. In contrast, in this modified example, even in such a case, the user is prompted to select whether to perform a debit transaction or a delayed debit transaction for each cashless transaction.

[0091] 12 is an example of a sequence diagram showing the process according to the modified example 2. In this modified example, in step S11, the determination of step S14 described in the embodiment is also performed. That is, in step S11, the transaction permission determination unit 213 determines whether the store / EC site does not allow the use of a debit card, whether the debit card limit has been exceeded, and whether the transaction amount exceeds the user's account balance, and if any of the above is true, determines that the debit transaction is not permitted.

[0092] As shown in FIG. 12, in this modified example, if 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 (e.g., the information acquisition unit 211) of the delayed server 20 determines whether the user has selected a debit transaction or a delayed debit transaction. This determination is made based on 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 delayed server 20.

[0093] FIG. 13 shows an example of a screen for a user to select a transaction type. In this screen, a button B4 "Pay Later" and a button B5 "Pay Now" are displayed along with the date and time of the cashless transaction and the transaction amount (amount used). When the user taps button B4, the user terminal 10 transmits information 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 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 withdrawal instruction to the bank system 30. When the bank system 30 receives the account withdrawal instruction, it performs the account withdrawal process (step S21a). When the account withdrawal process is normally completed, the bank system 30 transmits a withdrawal completion notice to the delayed server 20.

[0095] On the other hand, if it is determined in step S13a that a delayed debit transaction has been selected, the delay server 20 transmits a request for a validity check to the bank system. When the delay server 20 subsequently receives a notification from the bank system 30 that the validity check has been cleared, the tanking processing unit 214 performs a tanking process (step S15).

[0096] 14(a) shows an example of the screen of the user terminal 10 when a delayed debit transaction is selected. In this example screen, the date and time of the cashless transaction and the transaction amount are displayed, along with a message indicating that the transaction is a delayed debit transaction and the date on which the transaction amount will be debited.

[0097] 14(b) shows an example of the screen of the user terminal 10 when a debit transaction is selected. This example screen shows the date and time of the cashless transaction and the transaction amount, as well as a message that the transaction amount has been debited from the user's account.

[0098] As described above, according to the second modification, even if a delayed debit transaction is set, the user can select whether to make the transaction a debit transaction or a delayed debit transaction for each cashless transaction. As a result, it is possible to provide the user with a more flexible and convenient delayed debit transaction.

[0099] The process flow in FIG. 12 is an example, and modifications similar to those described in the embodiment can be made.

[0100] Based on the above description, a person skilled in the art may be able to conceive additional effects and various modifications of the present invention, but the aspects of the present invention are not limited to the above-mentioned embodiments. Various additions, modifications, and partial deletions are possible within the scope of the conceptual idea and intent of the present invention derived from the contents defined in the claims and their equivalents.

[0101] At least a part of the delayed debit payment system described in the above-mentioned embodiment and modified example may be configured with hardware or software. When configured with software, a program that realizes at least a part of the functions of the delayed debit payment system may be stored on a recording medium such as a flexible disk or a CD-ROM, and may be read and executed by a computer. The recording medium is not limited to removable ones such as a magnetic disk or an optical disk, but may be a fixed recording medium such as a hard disk device or a memory.

[0102] A program that realizes at least a part of the functions of the delayed debit payment system may be distributed via communication lines (including wireless communication) such as the Internet. Furthermore, the program may be encrypted, modulated, or compressed and distributed via wired or wireless lines such as the Internet, or stored on a recording medium. [Explanation of symbols]

[0103] 1. Delayed debit payment system 10 User terminal 11 Processing section 111 Information Reception Department 112 Display control unit 12 Communications Department 13 Display section 14 Storage section 20 Delayed Server 21 Processing section 211 Information Acquisition Department 212 Delayed Frame Determination Department 213 Transaction Approval Determination Department 214 Tanking Processing Section 215 Information Output Section 22 Communications Department 23 Memory section 231 User Information Database 232 Unsettled 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 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; Equipped with a delayed debit payment system, wherein if 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.

2. 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; Equipped with A delayed debit payment system in which, even if the setting is such that a delayed debit transaction is performed, if the user desires a debit transaction for the cashless transaction, the tanking processing unit does not perform the tanking 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.

3. 3. The delayed debit payment system according to claim 1 or 2, 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.

4. 3. 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.

5. The delayed debit payment system according to claim 1 or 2, wherein the delayed quota determination unit increases or decreases the delayed quota for each predetermined period based on the cashless transaction usage status.

6. 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; Equipped with A delayed debit payment system, in which if the user terminal accepts an immediate payment instruction for the cashless transaction after the tanking process is performed, 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.

7. 7. The delayed debit payment system according to claim 6, wherein the delayed limit determination unit restores a balance of the delayed limit by an amount equal to the transaction amount debited from the account, with the delayed limit being an upper limit.

8. 8. The delayed debit payment system according to claim 6, wherein the user terminal individually accepts transactions for real-time payment from among a plurality of cashless transactions.

9. 7. A delayed debit payment system as described in claim 1, 2 or 6, wherein if the setting to perform the delayed debit transaction is not set, the tanking processing unit of the delayed server does not perform the tanking process, 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.

10. 7. The delayed debit payment system according to claim 1, 2 or 6, wherein the transaction feasibility determination unit determines that the delayed debit transaction is possible if the transaction amount is equal to or less than the delayed limit minus the unsettled amount of the delayed debit transaction.

11. 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 permission determination unit of the delayed server determining whether or not a delayed debit transaction is possible 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; Equipped with A delayed debit payment method, wherein if 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.

12. A step of receiving, by a user terminal, a setting as to whether or not to conduct a delayed debit transaction from a user; 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 permission determination unit of the delayed server determining whether or not a delayed debit transaction is possible 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; Equipped with A delayed debit payment method, in which even if the setting is made to perform the delayed debit transaction, if the user desires a debit transaction for the cashless transaction, the tanking processing unit does not perform the tanking process, 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.

13. A step of receiving, by a user terminal, a setting as to whether or not to conduct a delayed debit transaction from a user; 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 permission determination unit of the delayed server determining whether or not a delayed debit transaction is possible 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; Equipped with A delayed debit payment method, in which if the user terminal accepts an immediate payment instruction for the cashless transaction after the tanking process has been performed, 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.

14. 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; Functioning as a a delayed debit payment program, wherein if 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.

15. A delayed server communicably connected to a user terminal which 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; Functioning as a A delayed debit payment program, wherein even if the setting is set to perform the delayed debit transaction, if the user desires a debit transaction for the cashless transaction, the tanking processing unit does not perform the tanking 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.

16. A delayed server communicably connected to a user terminal that accepts settings 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; Functioning as a A delayed debit payment program, in which if the user terminal accepts an immediate payment instruction for the cashless transaction after the tanking process has been performed, 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.

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