Payment processing device, method, and program

Abstract

To provide a settlement processing device that can properly use any of prepaid payment means, immediate payment means, and post-payment means by a user setting.SOLUTION: In response to receiving a first settlement telegram including a first card number, a settlement processing device reads user setting data associated with the first card number, on the basis of the user setting data, acquires a second card number associated with a transmission destination system, generates a second settlement telegram on the basis of information included in the second card number and the first settlement telegram, and transmits the second settlement telegram to a transmission destination system.SELECTED DRAWING: Figure 7

Description

[Technical field]

[0001] The present invention relates to a payment processing device, method, and program that allows a user to select from among a prepaid payment means, a real-time payment means, and a deferred payment means when making a payment with a payment card, depending on the user's settings. [Background technology]

[0002] Payment cards are used as a means of payment in the same way as currency, and their shape is not limited to a card type, and some cards have no physical shape. There are three types of payment cards: prepaid payment means, immediate payment means, and deferred payment means (Patent Document 1).

[0003] A prepaid payment instrument (such as a prepaid card or electronic money) is a payment instrument in which a user pays an amount equivalent to a value to an issuer in advance, and the value is recorded, and payment can be made within the range of the recorded value when purchasing goods or receiving services.

[0004] An instant payment instrument (e.g., a debit card) is a payment instrument that allows payments to be made within the balance of a deposit account, and the payment amount is immediately debited from the deposit account.

[0005] Postpaid payment methods (e.g., credit cards, electronic money, etc.) allow payments to be made within the card member's credit limit (available amount), and the payment amount is debited from a designated account at a time later than the payment.

[0006] Prepaid payment instruments, immediate payment instruments, and deferred payment instruments each have their own advantages, so individuals use each payment instrument according to the advantages they have. [Prior art documents] [Patent documents]

[0007] [Patent Document 1] Patent No. 6691174 Summary of the Invention [Problem to be solved by the invention]

[0008] Card members who use different payment methods have two or more of prepaid cards, debit cards, and credit cards, and use different cards according to their own preferences when making payments.

[0009] It is troublesome for cardholders to have multiple cards and use them differently. For example, even if cardholders use different cards depending on the amount of payment or the affiliated store, they sometimes end up using their cards in a way that deviates from their intended purpose.

[0010] In addition, once a payment has been made using a certain payment method, even if the customer later wishes to change the payment method to suit their circumstances or needs, it has been difficult to do so.

[0011] The present invention has been made to solve these problems, and aims to provide a payment processing device, method, and program that allows the user to select either a prepaid payment means, an immediate payment means, or a deferred payment means when making a payment card payment, depending on the user's settings.

[0012] It is yet another object of the present invention to provide a payment processing device, method, and program for changing a payment means to another payment means after a payment has been made with the payment means. [Means for solving the problem]

[0013] A payment processing device according to one embodiment of the present invention is configured to, in response to receiving a first payment message including a first card number, read user-defined data associated with the first card number, obtain a second card number associated with a destination system based on the user-defined data, generate a second payment message based on the second card number and information included in the first payment message, and transmit the second payment message to the destination system. Effect of the Invention

[0014] According to the present invention, a card member can use a single payment card for prepaid payment instruments, immediate payment instruments, and deferred payment instruments by user settings. Furthermore, according to the present invention, a card member can switch to a desired payment instrument even after a payment has been made. [Brief description of the drawings]

[0015] A more detailed understanding of the embodiments disclosed herein can be had from the following description, taken in conjunction with the accompanying drawings, in which: [Figure 1] 1 is a configuration diagram of an entire system including a payment processing device according to the present invention. [Diagram 2] 1 is a system configuration diagram of a payment processing device according to the present invention. [Diagram 3] FIG. 11 is a diagram illustrating an example of a data structure of a user setting. [Figure 4] FIG. 11 is a diagram illustrating an example of a data structure of conversion processing information. [Diagram 5] 11 is a flow diagram illustrating a registration process of user-set information performed by a payment processing device. FIG. [Figure 6] FIG. 13 is a diagram illustrating an example of a user setting registration screen. [Figure 7] 10 is a flow diagram illustrating the sorting process of payment messages and the subsequent payment process performed by the payment processing device. FIG. [Figure 8]A diagram explaining the concepts of a first payment message, a second payment message, a first response message, and a second response message. [Figure 9] FIG. 11 is a diagram illustrating a process flow for changing a payment method to another payment method after a payment has been made with the payment method. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0016] (Overall composition) Fig. 1 is a configuration diagram of an entire system including a payment processing device 10 according to the present invention. As shown in Fig. 1, the payment processing device 10 is connected to one or more user devices 11, one or more affiliated store terminals 12, one or more advance payment processing systems 20, one or more real-time payment processing systems 30, and one or more deferred payment processing systems 40 so that they can communicate with each other.

[0017] The payment processing device 10 receives and stores user settings from the user device 11 that serve as the sorting criteria for the first payment message. The first payment message is a message sent from the affiliated store terminal 12 to the payment processing device 10 when making a card payment. The user settings indicate the selection criteria for the payment means specified by the card member. Note that in this specification, "payment means" and "payment method" may be used interchangeably.

[0018] The payment processing device 10 can generate a second payment message based on the user settings and the first payment message. The second payment message is a message transmitted from the payment processing device 10 to the advance payment processing system 20, the real-time payment processing system 30, or the deferred payment processing system 40. When generating the second payment message, the payment processing device 10 can perform a conversion process of the card number according to the sorting criteria stored in the user settings. The converted card number identifies the destination system 20, 30, 40. The payment processing device 10 stores conversion process information indicating the contents of the conversion process. The payment processing device 10 then transmits the second payment message to the corresponding system among the advance payment processing system 20, the real-time payment processing system 30, and the deferred payment processing system 40.

[0019] When a first payment message that is not subject to conversion processing is received, the payment processing device 10 can transmit the first payment message to the corresponding advance payment processing system 20, real-time payment processing system 30, or deferred payment processing system 40 without performing conversion processing. This processing is a conventional card payment processing, and will not be described in detail in this specification.

[0020] The payment processing device 10 receives a first response message in response to the second payment message from the advance payment processing system 20, the real-time payment processing system 30, and the deferred payment processing system 40. The payment processing device 10 generates a second response message based on the first response message and the conversion processing information. In detail, the payment processing device 10 reads the processing identifier of the first response message, reads the card numbers before and after conversion included in the conversion processing information based on the read processing identifier, and generates a second response message by correcting the card number included in the first response message based on the read card numbers before and after conversion. The payment processing device 10 then transmits the second response message to the affiliated store terminal 12.

[0021] In response to a request from the user device 11, the payment processing device 10 obtains detail data associated with the card member from the advance payment processing system 20, the real-time payment processing system 30, and the deferred payment processing system 40 and provides it to the user device 11.

[0022] The payment processing device 10 can receive a change request from the user device 11 to change any detail of the detail data associated with the card member to another payment method, generate a third payment message to cancel an already executed payment and a fourth payment message based on the change request, and send them to the corresponding systems among the advance payment processing system 20, the real-time payment processing system 30, and the deferred payment processing system 40, respectively.

[0023] The user device 11 is a terminal used by a card member, and may be, for example, a computer equipped with a communication function such as a personal computer (PC), a smartphone, or a tablet terminal, but is not limited to a specific device. The user device 11 can register user settings, which are the sorting criteria for the first payment message, in the payment processing device 10.

[0024] The user device 11 can send a change request to the payment processing device 10 to change any details of the detail data associated with the card member provided by the payment processing device 10 to a different payment method.

[0025] The affiliated store terminal 12 may be a terminal installed in the affiliated store's store or an electronic commerce device operated by the affiliated store, but is not limited to a specific device. The affiliated store terminal 12 generates a first payment message including a processing identification number, a card number, an affiliated store code, an industry code, date information, and a payment amount, and transmits it to the payment processing device 10. The affiliated store terminal 12 receives and outputs a response message associated with the first payment message.

[0026] The advance payment processing system 20 is a system controlled by an issuer of a prepaid card or electronic money associated with a card member. The electronic money processed by the advance payment processing system 20 is "prepaid type" electronic money. The advance payment processing system 20 comprises a value 21 and a usage statement 22. The value 21 stores a value associated with the card member's prepaid card or electronic money. The usage statement 22 stores usage details of the value used by the card member.

[0027] When the prepayment processing system 20 receives the second payment message from the payment processing device 10, it accesses the value 21 and checks the card member's value balance based on the card number included in the second payment message. If the payment amount is within the balance, the payment is successfully completed, and the prepayment processing system 20 generates a first response message to the second payment message and sends it to the payment processing device 10. After a specified period of time, the payment amount is transferred from the prepayment processing system 20 to a specified account of the affiliated store. On the other hand, if the payment amount is greater than the balance, the prepayment processing system 20 generates a first response message indicating that the payment is not possible and sends it to the payment processing device 10.

[0028] The immediate payment processing system 30 is a system controlled by the issuer of the debit card associated with the card member. The immediate payment processing system 30 includes a deposit account 31 and a deposit and withdrawal statement 32. The deposit account 31 stores balance information of the deposit account associated with the card member's debit card. The deposit and withdrawal statement 32 stores deposit and withdrawal details of the deposit account.

[0029] When the real-time payment processing system 30 receives the second payment message from the payment processing device 10, it accesses the deposit account 31 and checks the balance of the deposit account associated with the card number included in the second payment message. If the payment amount is within the balance, the payment is successfully completed, and the real-time payment processing system 30 generates a first response message to the second payment message and sends it to the payment processing device 10. After a specified period of time, the payment amount is transferred from the real-time payment processing system 30 to a specified account of the affiliated store. On the other hand, if the payment amount is greater than the balance, the real-time payment processing system 30 generates a first response message indicating that the payment is not possible and sends it to the payment processing device 10.

[0030] The post-payment processing system 40 is a system for credit card settlement, and executes functions such as authorization processing, member management, billing management, etc. The post-payment processing system 40 includes a usage statement 41 that stores card usage details.

[0031] When the deferred payment processing system 40 receives the second payment message from the payment processing device 10, it executes authorization processing based on the card number included in the second payment message and determines whether to approve the use. If the use is approved, the deferred payment processing system 40 generates a first response message to the second payment message and sends it to the payment processing device 10. The deferred payment processing system 40 stores the card usage details generated based on the sales information in the second payment message in the usage details 41, and after a predetermined period of time, debits the account associated with the card member. On the other hand, if the use is not approved as a result of the authorization processing, it generates a first response message indicating disapproval and sends it to the payment processing device 10.

[0032] In another embodiment of the present invention, the post-payment processing system 40 can use "post-pay" electronic money. Post-pay electronic money is associated with a credit card.

[0033] (System Configuration) Figure 2 is a system configuration diagram of payment processing device 10 according to the present invention. Like a general computer, payment processing device 10 comprises control unit 101, main memory unit 102, auxiliary memory unit 103, interface (IF) unit 104, and output unit 105, which are interconnected by bus 120 or the like. Payment processing device 10 also comprises user settings 106 and conversion processing information 107 in the form of storage means such as a file / database in auxiliary memory unit 103.

[0034] The control unit 101 is also called a central processing unit (CPU), and controls each component of the payment processing device 10 and performs data calculations, and can also read out and execute various programs stored in the auxiliary storage unit 103 into the main storage unit 102. The main storage unit 102 is also called a main memory, and can store various received data, computer-executable instructions, and data after calculation processing based on the instructions. The auxiliary storage unit 103 is a storage device typified by a hard disk drive (HDD), and is used for long-term storage of data and programs.

[0035] The embodiment in Fig. 2 describes an embodiment in which control unit 101, main memory unit 102, and auxiliary memory unit 103 are provided in the same computer, but in another embodiment, payment processing device 10 can be configured to realize parallel distributed processing by multiple computers by using multiple control units 101, main memory units 102, and auxiliary memory units 103. Also, as another embodiment, it is possible to install multiple servers for payment processing device 10, and have the multiple servers share one auxiliary memory unit 103.

[0036] The IF unit 104 plays the role of an interface when transmitting and receiving data to and from other systems and devices, and also provides an interface for receiving various commands and input data (various masters, tables, etc.) from a system operator. The output unit 105 provides a display screen for displaying processed data and a printing means for printing the data.

[0037] In addition, components with functions similar to those of the control unit 101, main memory unit 102, auxiliary memory unit 103, interface (IF) unit 104 and output unit 105 also exist in the user device 11, affiliated store terminal 12, advance payment processing system 20, real-time payment processing system 30 and deferred payment processing system 40, but descriptions of these will be omitted in this specification.

[0038] The user settings 106 store sorting criteria for the first payment message for each card member. Here, the data structure of the user settings 106 will be described with reference to FIG. 3. FIG. 3 is a diagram illustrating an example of the data structure of the user settings 106. The user settings 106 can include a member ID 301, a front card number 302, a prepaid payment means 303, a prompt payment means 304, a deferred payment means 305, a setting for insufficient balance 306, a setting for revolving / installment payment 307, an affiliated store designation 308, a business type designation 309, and a price range designation 310, but are not limited to these data items and can also include other data items.

[0039] Member ID 301 is an identifier that identifies the card member. Front card number 302 is the card number of the payment card held by the card member. This payment card is a combination of multiple cards that card members previously used, and is assigned a card number based on the same system as conventional card numbers. The shape of this payment card is not limited to a card type, and some payment cards have no physical shape.

[0040] The prepaid payment instrument 303 indicates a card number identifying a prepaid payment instrument designated by the card member. The immediate payment instrument 304 indicates a card number identifying a immediate payment instrument designated by the card member. The deferred payment instrument 305 indicates a card number identifying a deferred payment instrument designated by the card member.

[0041] When there are multiple card numbers stored in the prepaid payment means 303, the immediate payment means 304, and the deferred payment means 305, it is possible to set a priority order for each. For example, when credit card numbers A and B are registered in the deferred payment means 305, it may be set so that credit card number A is used preferentially for payment if an arbitrary condition is met, and credit card number B is used preferentially for payment otherwise. The arbitrary condition may be that credit card number A has a high reward rate when used for payment at a specific affiliated store, or that it is a business card and therefore should be used for payment in a specific industry such as restaurants.

[0042] The insufficient balance setting 306 indicates the content of the subsequent process to be executed when the balance is insufficient for settlement by a prepaid payment means or a real-time payment means. The content of the subsequent process may be, for example, "creation and transmission of a settlement message based on a deferred payment means." In this case, if the balance is insufficient, a credit card settlement will be performed.

[0043] The revolving / installment payment setting 307 indicates the content of the subsequent process that is executed when the first payment message includes an indication of revolving payment or installment payment. The content of the subsequent process may be "creating and sending a payment message based on a deferred payment instrument when revolving payment is specified" or "creating and sending a payment message based on a deferred payment instrument when installment payment is specified." In this case, if the card member selects revolving payment or installment payment at the affiliated store, a credit card payment will be made.

[0044] The merchant designation 308 indicates which payment method is to be used for the payment associated with a predetermined merchant code. For example, it may be designated that payment is to be made with an instant payment method for merchant code A, and payment is to be made with a prepaid payment method for merchant code B. The merchant designation 308 may be used, for example, when designating a payment method for a merchant where payments are made periodically (such as for utility bills, subscription services, etc.).

[0045] The business type designation 309 indicates which payment means is to be used for settlement associated with a predetermined business type code. For example, it may be designated that settlement is to be made with a prepaid payment means for business type codes C and D, and settlement is to be made with a postpaid payment means for business type code E.

[0046] The value range designation 310 indicates which payment means is to be used for each predetermined payment value range. Table 1 shows an example of setting the payment means for each value range. The payment means may be a card number stored in the advance payment means 303, immediate payment means 304, or deferred payment means 305, or the words "advance payment," "immediate payment," or "deferred payment." When these words are specified, the payment processing device 10 searches for and acquires the corresponding card number.

[0047] [Table 1]

[0048] Returning to Fig. 2, the conversion process information 107 includes information on the conversion process performed by the payment processing device 10 when generating the second payment message. The conversion process information 107 can include the process identifier 401, pre-conversion card number 402, and post-conversion card number 403 included in the first payment message, but is not limited to these data items and can also include other data items.

[0049] Fig. 4 is a diagram showing an example of the data structure of conversion process information 107. Process identifier 401 indicates an identifier for identifying the payment process included in the first payment message. Pre-conversion card number 402 indicates the card number before conversion in the conversion process executed by payment processing device 10. Post-conversion card number 403 indicates the card number after conversion in the conversion process executed by payment processing device 10.

[0050] (User settings registration process) FIG. 5 is a flow diagram illustrating the process of registering information in user settings 106, which is performed by payment processing device 10. As shown in FIG.

[0051] In S501, the payment processing device 10 provides the user setting registration screen 600 to the user device 11 in response to a request from the user device 11.

[0052] 6 is a diagram illustrating an example of a user setting registration screen 600. The user setting registration screen 600 can include a plurality of icons, including, but not limited to, prepayment 601, immediate payment 602, deferred payment 603, insufficient balance support 604, revolving / installment payment support 605, specific member stores 606, specific business types 607, and price range settings 608.

[0053] Prepay 601 displays a registration screen for setting card numbers of one or more prepaid payment instruments associated with the card member. When multiple card numbers are set, the registration screen provided by prepay 601 can provide the user device 11 with a condition setting menu for registering priorities for multiple card numbers.

[0054] The immediate payment 602 displays a registration screen for setting the card numbers of one or more immediate payment instruments associated with the card member. When multiple card numbers are set, the registration screen provided by the immediate payment 602 can provide the user device 11 with a condition setting menu for registering the priority order for the multiple card numbers.

[0055] Postpaid 603 displays a registration screen for setting card numbers of one or more postpaid payment instruments associated with the card member. When multiple card numbers are set, the registration screen provided by Postpaid 603 can provide the user device 11 with a condition setting menu for registering priorities for the multiple card numbers.

[0056] The insufficient balance response 604 displays a registration screen for setting subsequent processing to be executed when payment by a prepaid payment means or a real-time payment means is not possible due to insufficient balance.

[0057] Revolving / installment payment support 605 displays a registration screen for setting subsequent processing to be executed when the first settlement message includes an indication of revolving payment or installment payment.

[0058] A specific merchant 606 displays a registration screen for setting the merchant code of the specific merchant and the combination of payment instruments associated with that merchant.

[0059] A specific business type 607 displays a registration screen for setting a combination of a business type code and a payment method associated with the specific business type.

[0060] The setting by price range 608 displays a registration screen for setting a combination of a payment price range and a payment method associated with that price range.

[0061] Returning to FIG. 5 again, at S502, the card member inputs the desired user settings on the user setting registration screen 600 and related registration screens via the user device 11, and the payment processing device 10 receives the input user settings and stores them in the user settings 106.

[0062] In another embodiment of the present invention, the payment processing device 10 can also send a message to the user device 11 to prompt the user to update the user settings. For example, when a card member reaches an age at which a credit card can be created, the payment processing device 10 can send a message to the user device 11 to prompt the card member to create a new credit card and add it to the user settings. In such a case, when a new credit card number is given to the card member and the card number is stored in the postpaid payment means 305, the payment processing device 10 can also prompt the card member to select the postpaid 603 on the user settings registration screen 600 and register the new credit card number. As another example, the payment processing device 10 can check the past payment history, and when it is determined that a balance shortage occurs more frequently than a certain frequency, send a message to the user device 11 to prompt the user to register a user setting that prioritizes other payment means.

[0063] (Flow of payment message sorting and subsequent payment processing) FIG. 7 is a flow diagram illustrating the sorting process of payment messages and the subsequent payment process performed by the payment processing device 10.

[0064] In S701, the payment processing device 10 receives a first payment message from the affiliated store terminal 12. The first payment message is a payment message associated with a commercial transaction performed by a card member at an affiliated store. The first payment message includes, but is not limited to, a processing identification number, a first card number, an affiliated store code, an affiliated store business code, a payment amount, date information, revolving / installment payment information, and the like.

[0065] In S702, the payment processing device 10 searches the user settings 106 based on the first card number and reads out the user setting data corresponding to the first card number. The payment processing device 10 performs the following sorting process in any order based on the user setting data and the information included in the first payment message. The order of the processes can be prioritized by the user, and when the condition of the higher priority is satisfied, the payment processing device 10 can end the sorting process.

[0066] [Table 2]

[0067] The payment processing device 10 selects one of the second card numbers of the prepaid payment means, the real-time payment means, or the deferred payment means based on the result of the sorting process, as exemplified in Table 2. The payment processing device 10 generates a second payment message based on the information included in the first payment message and the second card number of the selected payment means.

[0068] The second payment message includes information such as a transaction identification number, a second card number, a payment amount, and may further include the first card number as an option. The second payment message is either a payment message sent to the advance payment processing system 20, a payment message sent to the real-time payment processing system 30, or a payment message sent to the deferred payment processing system 40.

[0069] The payment processing device 10 stores in conversion processing information 107 the data obtained by setting the processing identification number, first card number, and second card number of the selected payment method contained in the first payment message as processing identification number 401, pre-conversion card number 402, and post-conversion card number 403, respectively.

[0070] In S703, the payment processing device 10 transmits the second payment message to a system associated with the second card number, i.e., one of the advance payment processing system 20, the real payment processing system 30, and the deferred payment processing system 40. Since a predetermined number of digits of the card number indicates the issuer, the payment processing device 10 can identify the system to which the message is to be transmitted based on the card number.

[0071] In response to receiving the second payment message, the advance payment processing system 20, the real-time payment processing system 30 and the deferred payment processing system 40 perform a predetermined payment processing, generate a first response message based on the processing result, and send it to the payment processing device 10.

[0072] In S704, the payment processing device 10 receives a first response message from one of the advance payment processing system 20, the real payment processing system 30, and the deferred payment processing system 40. The first response message includes information such as the processing identification number, the second card number, and the processing result.

[0073] In S705, the payment processing device 10 judges whether the first response message indicates the success of the payment processing. If the payment processing is successful, or if the payment processing has failed but no subsequent processing is specified, the process proceeds to S706. On the other hand, if the payment processing has failed and a subsequent processing is specified, the process returns to S702. For example, if the content of the subsequent processing to be executed when the balance is insufficient for payment by the prepaid payment means or the real-time payment means is insufficient, the payment processing device 10 generates a second payment message according to the specified content and transmits it to one of the prepaid payment processing system 20, the real-time payment processing system 30, and the deferred payment processing system 40.

[0074] At S706, the payment processing device 10 searches the conversion processing information 107 based on the processing identification number and the second card number included in the first response message, and reads out the pre-conversion card number. The payment processing device 10 generates a second response message based on the first response message and the read out pre-conversion card number. The second response message includes information such as the processing identification number, the first card number, and the processing result.

[0075] In S707, the payment processing device 10 transmits a second response message to the affiliated store terminal 12.

[0076] Fig. 8 is a diagram explaining the concept of the first payment message, the second payment message, the first response message, and the second response message. The data items shown in Fig. 8 are an example, and other data items may be included.

[0077] The first payment message is a payment message associated with a commercial transaction performed by the card member at an affiliated store, and is sent from affiliated store terminal 12 to payment processing device 10. The first payment message includes information such as a processing identification number, a first card number, and a payment amount. The first card number indicates the card number associated with a payment card loaned to the card member.

[0078] The second payment message is a message sent from the payment processing device 10 to the corresponding system 20, 30, 40, and includes information such as a processing identification number, a second card number, and a payment amount. The second payment message may optionally include a first card number. The first card number is the pre-conversion card number, and the second card number is the post-conversion card number.

[0079] The first response message is a message sent from the systems 20, 30, and 40 to the payment processing device 10, and includes information such as the processing identification number, the second card number, and the processing result.

[0080] The second response message is a message sent from payment processing device 10 to affiliated store terminal 12, and includes information such as the processing identification number, the first card number, and the processing result.

[0081] By performing this conversion process, even if a card member makes a payment using his or her first card number ("A" in the example of Figure 8), the card member will be able to make the desired card payment according to the sorting criteria specified by the user, without having to go through the complicated process of distinguishing between different cards as in the past.

[0082] In other embodiments of the present invention, multiple first card numbers may be associated with one second card number, such as multiple corporate cards associated with one corporate card, or multiple family cards associated with one card.

[0083] (Payment method change flow after payment) FIG. 9 shows a process flow in which, after a payment has been made with a certain payment means, the payment processing device 10 changes the payment means to another payment means.

[0084] In S901, in response to receiving a change request including the first card number from the user device 11, the payment processing device 10 searches the user settings 106 and acquires the second card number stored in the advance payment means 303, the immediate payment means 304, and the deferred payment means 305 associated with the first card number. The payment processing device 10 acquires detail data from each of the advance payment processing system 20, the immediate payment processing system 30, and the deferred payment processing system 40 associated with the acquired second card number, and provides the acquired detail data to the user device 11.

[0085] At S902, the card member designates the detail data that he / she wishes to correct and transmits information on the corrected payment means to the payment processing device 10 via the user device 11. The payment processing device 10 generates a third payment message that offsets the payment indicated by the detail data that he / she wishes to correct, and a fourth payment message based on the corrected payment means.

[0086] In S903, the payment processing device 10 transmits the third payment message and the fourth payment message to the corresponding advance payment processing system 20, real payment processing system 30 and deferred payment processing system 40, respectively.

[0087] At S904, the payment processing device 10 receives a first response message to the third payment message and the fourth payment message from the advance payment processing system 20, the real payment processing system 30, and the deferred payment processing system 40, and provides the processing results of the received response messages to the user device 11.

[0088] Although the principles of the present invention have been described above with reference to exemplary embodiments, it will be understood by those skilled in the art that various embodiments that change in configuration and details can be realized without departing from the gist of the present invention. That is, the present invention can be embodied as, for example, a system, an apparatus, a method, a program, or a storage medium. [Explanation of symbols]

[0089] 10 Payment processing device 11 User Device 12 Merchant terminal 20 Advance payment processing system 30 Real-time payment processing system 40 Postpaid Processing System 21 Value 22 Usage details 31 Deposit Account 32 Deposit and Withdrawal Details 41 Usage details 101 Control section 102 Main memory 103 Auxiliary storage 104 Interface (IF) section 105 Output section 106 User Settings 107 Conversion Processing Information

Claims

1. A payment processing device that can selectively use any one of a prepaid payment means, a real-time payment means, and a deferred payment means when making a payment with a payment card, comprising: A communication unit for communicating with an external network, a storage unit, and a control unit, The control unit is in response to receiving a first payment message including a first card number of the payment card from the affiliated store terminal via the communication unit, reading from the storage unit user setting data associated with the first card number, the user setting data indicating a criterion for which of a prepaid payment means, an instantaneous payment means, and a deferred payment means should be used to process the first payment message, and a second card number associated with each of the prepaid payment means, the instantaneous payment means, and the deferred payment means; Identifying the payment means to be used for the payment processing of the first payment message based on the criteria of the user setting data, and acquiring the second card number associated with the identified payment means, which is any one of the prepaid payment means, the real-time payment means, and the deferred payment means; generating a second payment message including the second card number, and a transaction identifier and a payment amount included in the first payment message; Transmitting the second payment message to a destination system associated with the second card number via the communication unit; 2. A payment processor configured to:

2. the control unit is configured to, when generating the second payment message, associate the processing identifier and the first card number included in the first payment message with the second card number, and store the associated processing identifier and the first card number included in the first payment message as conversion processing information in the storage unit; The control unit is receiving a first response message from the destination system, the first response message including the second card number; determining whether the first response message indicates a successful payment process; reading, on a condition that the first response message indicates a success of the payment process, the first card number associated with the second card number from the conversion process information based at least on the second card number; generating a second response message including the processing identifier and result information of the payment processing included in the first response message, and the first card number that has been read; The payment processor of claim 1 , further configured to:

3. The user setting data specifies a payment means other than the identified payment means as a subsequent process to be executed when the destination system determines that the balance is insufficient to process the second payment message, The control unit is generating a new payment message for the different payment instrument and sending it to a destination system associated with the different payment instrument, provided that the first response message does not indicate a successful payment process and the subsequent process is specified in the user setting data; The payment processing device of claim 2 , further configured to:

4. The payment processing device of claim 1 , wherein the user-defined data indicates that the first card number is associated with a plurality of the second card numbers.

5. The payment processing device according to claim 1 , wherein the criteria are based on any one of a predetermined affiliated store code, a predetermined business code, and a predetermined payment amount range.

6. The payment processing device of claim 1 , wherein the destination system is a system associated with any one of a prepaid payment instrument, a real-time payment instrument, and a postpaid payment instrument.

7. The control unit is providing detail data associated with the second card number to a user device; receiving, from the user device, designation of the detail data to be corrected and information on the payment method after correction; generating a third payment message for offsetting the payment indicated by the detail data to be corrected and a fourth payment message based on the corrected payment means, and transmitting the third payment message to the corresponding destination system; The payment processor of claim 1 , further configured to:

8. A method executed by a payment processing device that can selectively use any one of a prepaid payment means, a real-time payment means, and a deferred payment means when making a payment with a payment card, comprising: The payment processing device includes a communication unit for communicating with an external network, a storage unit, and a control unit, the control unit, in response to receiving a first payment message including a first card number of the payment card from the affiliated store terminal via the communication unit, reads out user setting data associated with the first card number from the storage unit, the user setting data indicating a criterion for which of a prepaid payment means, an instant payment means, and a deferred payment means should be used to process the payment of the first payment message, and each second card number associated with the prepaid payment means, the instant payment means, and the deferred payment means; the control unit identifies the payment means to be used for the payment processing of the first payment message based on the criteria of the user setting data, and acquires the second card number associated with the identified payment means, which is any one of the prepaid payment means, the real-time payment means, and the deferred payment means; the control unit generates a second payment message including the second card number, and a processing identifier and a payment amount included in the first payment message; the control unit transmits the second payment message to a destination system associated with the second card number via the communication unit; A method for providing the above.

9. A program for causing a computer to execute the method according to claim 8.

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