Payment management device and payment management method

Abstract

To improve user convenience.SOLUTION: Provided is a settlement management device including: an acquisition unit that in response to settlement through use of a debit card performed by a user, acquires settlement information for the settlement; and a processing unit that without withdrawing an amount for the settlement from an account associated with specific information for specifying the debit card included in the settlement information in response to acquisition of the settlement information, executing processing of withdrawing the amount from the account after the arrival of a preset due date.SELECTED DRAWING: Figure 1

Description

[Technical field]

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

[0002] A payment control device using a debit card is known in the related art. In this connection, a payment control device is disclosed that determines the respective payment amounts of the real-time payment from a financial account associated with the payment device and the credit payment based on the payment device, based on information for determining the respective payment amounts of the real-time payment from the financial account associated with the payment device and the credit payment based on the payment device, in association with identification information of the payment device (for example, see Reference 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2021-111177 A Summary of the Invention [Problem to be solved by the invention]

[0004] The above-mentioned conventional techniques may not be able to improve user convenience.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide a payment management device, a payment management method, and a program that can improve user convenience. [Means for solving the problem]

[0006] One aspect of the present invention is a payment management device that includes an acquisition unit that acquires payment information related to a payment made by a user using a debit card, and a processing unit that, in response to acquiring the payment information, executes a process to debit the amount related to the payment from an account associated with specific information for identifying the debit card included in the payment information after a predetermined due date has arrived, without debiting the amount related to the payment from the account. Effect of the Invention

[0007] According to one aspect of the present invention, a payment management device, a payment management method, and a program can be provided that can improve the convenience of users. For example, even when a debit card is used, the amount is debited when a preset date arrives, which improves the flexibility of the use of the debit card. This improves the convenience of users. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [Diagram 2] 2 is a sequence diagram showing an example of a flow of processes executed by the processing terminal 20, the relay server 100, and the payment server 200. FIG. [Diagram 3] FIG. 2 is a diagram illustrating an example of a functional configuration of a payment server 200. [Figure 4] 13 is a diagram showing an example of the contents of user management information 262. FIG. [Diagram 5] FIG. 4 is a diagram showing an example of the contents of user information. [Figure 6] 13 is a flowchart showing an example of the flow of processing executed by the payment server 200. [Figure 7] FIG. 13 is a diagram showing an interface screen IM1 relating to a postpaid service. [Figure 8] 13 is a flowchart illustrating an example of an adjustment process. [Figure 9]FIG. 13 is a diagram showing an interface screen IM2 when debiting a settlement amount from an account balance. [Figure 10] FIG. 13 is a diagram showing an interface screen IM3 when automatic financing is performed. [Figure 11] FIG. 2 is a diagram for explaining a payment method using a debit card according to the present embodiment. [Figure 12] FIG. 2 is a diagram showing an example of an interface screen provided by a content providing unit 220. [Figure 13] FIG. 13 is a diagram showing another example of an interface screen provided by the content providing unit 220. [Figure 14] FIG. 13 is a diagram showing an interface screen IM8 showing the usage status of postpaid services. [Figure 15] FIG. 13 is a diagram showing an interface screen IM9 for accepting whether or not a postpaid service can be used. [Figure 16] FIG. 13 is a diagram showing an interface screen IM10 for accepting whether or not automatic financing is available. [Figure 17] 11 is a diagram for explaining the processing of a setting unit 250. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of a payment management device, a payment management method, and a program according to the present invention will be described with reference to the drawings.

[0010] [Electronic payment system] 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a debit card 10, a processing terminal 20, a relay server 100, a payment server 200, and a user terminal device 300. The payment server 200 communicates with, for example, the relay server 100 and one or more user terminal devices 300 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0011] The debit card 10 is a debit card issued at the request of a user to a card issuer. A debit card is a card that provides a service in which the amount of payment is debited from a set account (the amount of payment is transferred from the balance of the account to the payee). For example, the amount of payment is debited from the set account immediately, on the same day, without delay, or promptly after a specified time lag. The issuer is, for example, the operator of the payment server 200. The debit card 10 is, for example, a card having a communication chip embedded in the card substrate. The communication chip has a built-in storage medium that stores a PIN, and communicates with an external device via a contactor (or a wireless antenna). Alternatively, the debit card 10 may be a magnetic card. The debit card may be a corporate or sole proprietor debit card, or may be a debit card for a user other than the above (for example, an individual user).

[0012] The processing terminal 20 is installed, for example, in a store. The processing terminal 20 includes, for example, a payment terminal (card reader) and a POS device. The processing terminal 20 reads a PIN (Personal Identification Number) from the inserted or held up debit card 10 and collates it with the PIN entered by the user, and transmits a BIN (Bank Identification Number) code and the like read from the debit card to the relay server 100 via the POS device. The POS device cooperates with the processing terminal 20 to transmit information such as the payment amount to the relay server 100. An on-behalf-payment agent server (acquirer) may be interposed between the processing terminal 20 and the relay server 100.

[0013] For example, a debit card may be used for web shopping. In this case, instead of the processing terminal 20, a server device providing the web shopping service provides the relay server 100 with information such as debit card information and payment amount provided by the user to the server device.

[0014] The relay server 100 manages payments made using the debit card 10. The relay server 100 is, for example, a server device operated by a debit card brand. The relay server 100 transmits information such as the payment amount acquired from the processing terminal 20 to the payment server 200. Note that the information such as the payment amount may be transmitted from the processing terminal 20 to the payment server 200 without going through the relay server 100, or the information such as the payment amount may be transmitted to the payment server 200 via another device.

[0015] For example, when a debit card is used, the payment server 200 executes the payment using an account linked to the debit card. The details of the processing of the payment server 200 will be described later.

[0016] The user terminal device 300 is, for example, a terminal device such as a smartphone, a tablet terminal, or a personal computer. The user terminal device 300 is a computer device having at least a communication function, a display function, an input reception function, and a program execution function. In the following description, components for realizing these functions are referred to as a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 300, a processor such as a CPU executes a payment application 320, and the user terminal device 300 operates to provide an electronic payment service to a user in cooperation with the payment server 200. The payment application 320 is installed in the user terminal device 300 from, for example, an application store, and controls the communication device, the touch panel, and the like. Note that various processes may be executed by a web browser without using the payment application 320.

[0017] [Processing payments using debit cards] 2 is a sequence diagram showing an example of the flow of processing executed by the processing terminal 20, the relay server 100, and the payment server 200. First, when a debit card is inserted or touched to the processing terminal 20 and payment is made, the processing terminal 20 transmits payment information to the relay server 100 (S10). The payment information includes, for example, the amount of the payment and identification information for identifying the debit card, such as a primary account number (PAN).

[0018] Next, the relay server 100 identifies the payment server 200 that will perform processing for the debit card (S12), and transmits payment information to the identified payment server 200 (S14). For example, the relay server 100 identifies the payment server 200 from correspondence information stored in advance. The correspondence information is, for example, information in which identification information (all or part) for identifying the debit card is associated with the payment server 200 (e.g., the issuer of the debit card). Next, the payment server 200 acquires the payment information and executes the payment (S16). Details of this process will be described later.

[0019] [Payment server] FIG. 3 is a diagram showing an example of the functional configuration of the payment server 200. The payment server 200 includes, for example, a communication unit 210, a content providing unit 220, an information management unit 230, a processing unit 240, a setting unit 250, and a storage unit 260. The components other than the communication unit 210 and the storage unit 260 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transient storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium in a drive device.

[0020] The storage unit 260 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 260 may be a NAS (Network Attached Storage) device that the payment server 200 can access via a network. The storage unit 260 stores information such as user management information 262 and content information 264.

[0021] The communication unit 210 is a communication interface for connecting to the network NW.

[0022] The content providing unit 220 has, for example, a function of a Web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 300. The content providing unit 220 reads out necessary content from the content information 264 as appropriate, and provides it to the user terminal device 300. The user terminal device 300 accepts various inputs by the user while the content is being played back by the payment application 320, and transmits information according to the operation to the payment server 200.

[0023] The information management unit (acquisition unit) 230 acquires payment information related to the payment transmitted by the relay server 100 in response to the user making a payment using a debit card. The processing unit 240 performs the payment process based on the payment information. The processing unit 240 performs the payment process, for example, by referring to the user management information 262. The setting unit 250 sets or registers whether or not a postpaid service (described later) is applied, based on an instruction from the user. The processing of these functional units will be described in detail later.

[0024] 4 is a diagram showing an example of the contents of user management information 262. User management information 262 is, for example, information in which card information, which is information unique to a user (for example, PAN), account information (for example, account number), setting information 1, setting information 2, and user information are associated with each other. Setting information 1 is information indicating whether a postpaid service is applied or immediate withdrawal is applied. In addition to the above, user management information 262 may also be associated with the type of debit card (for example, rank such as gold card or platinum card). For example, service contents such as the upper limit of the postpaid service may be set according to the type.

[0025] The deferred payment service is a service in which the processing unit 240, in response to acquisition of payment information, does not withdraw the amount of payment from an account associated with specific information (e.g., PAN) for identifying a debit card included in the payment information, but withdraws the amount from the account on or after a preset due date (e.g., does not withdraw immediately). In the deferred payment service, the processing unit 240 withdraws the total amount of payments made during a collection period on a predetermined date. For example, the total amount of payments made during a collection period (an arbitrary period such as the 1st to the end of the month) is withdrawn on a preset set date (due date). The set date may be any date such as the 1st or the end of the following month, and may be, for example, a date specified by the user.

[0026] In the deferred payment service, for example, no fee is charged to the user. For example, if the withdrawal cannot be made on the set date, the processing unit 240 may charge a late fee based on a preset standard. Alternatively, in the deferred payment service, for example, a fee may be charged to the user.

[0027] The deferred payment service is a service that does not require application or screening or has a simple screening process, unlike a loan, for example. In the deferred payment service, the administrator of the payment server 200 advances the payment amount related to the application of the deferred payment service. In this way, the deferred payment service is a service that users can use without applying for a loan, etc., and is easy for users to use.

[0028] The deferred payment service may be applied to, for example, a card group including multiple debit cards. For example, a sub-card linked to a main card may be issued, and the deferred payment service may be applied to the use of the main card and the sub-card. The sub-card is, for example, a card used by an employee of the company that manages the main card. For example, the payment server 200 provides the deferred payment service by collectively managing the payment amounts based on information linked to each of the debit cards included in the card group. As a result, for example, the total of the payment amount using the main card and the payment amount using the sub-card are consolidated into the deferred payment service and debited on a set date, making it easy to manage company expenses, etc.

[0029] Setting information 2 is information indicating whether or not automatic loaning is provided. For example, if it is set to apply automatic loaning, and the total amount of payments made using the postpaid payment service for a specified period exceeds an upper limit and further exceeds the user's balance, as described below, automatic loaning is provided to the user and payment is made. Automatic loaning is applied, for example, to users who have applied for automatic loaning in advance (for example, users who have passed screening). Automatic loaning is applied, for example, to users who have applied and have already indicated their intention to use the service.

[0030] Fig. 5 is a diagram showing an example of the contents of the user information. The user information is, for example, information in which the upper limit amount that can be used in the postpaid service, the payment history, and the total payment amount in the payment history (monthly total or total for a specified period) are associated with each other. The payment server 200 provides the postpaid service by referring to the user management information 262 including the above user information.

[0031] [flowchart] 6 is a flowchart showing an example of the flow of processing executed by the payment server 200. First, the information management unit 230 of the payment server 200 judges whether or not a payment request has been acquired from the relay server 100 (S100). When a payment request has been acquired (for example, when payment information has been acquired), the processing unit 240 of the payment server 200 acquires card information included in the payment information (S102). Next, the processing unit 240 refers to the user management information 262 and identifies setting information and user information from the card information (S104).

[0032] Next, the processing unit 240 judges whether the user is eligible for the postpaid service (S106). If the user is not eligible for the postpaid service (if the service is not set in the setting information 1 of the user management information), the processing unit 240 performs immediate withdrawal according to the payment information (S108).

[0033] If the user is eligible for the postpaid service, the processing unit 240 determines whether the payment will exceed the upper limit of the postpaid service (S110). For example, if the entire amount of the payment does not fit within the postpaid service limit, it is determined that the upper limit will be exceeded. For example, if the upper limit is 1 million yen, the payment is 100,000 yen, and the total payment amount using the postpaid service for a specified period is 950,000 yen, the processing unit 240 determines that the upper limit of the postpaid service will be exceeded.

[0034] If the upper limit is exceeded, the processing unit 240 performs an adjustment process (S112). Details of this adjustment process will be described later with reference to FIG. 8. If the upper limit is not exceeded, the processing unit 240 registers the payment in question as a payment subject to the post-payment service in the storage unit 260 by associating the information of the payment with the payment history of the user management information 262 (S114). Next, the content providing unit 220 transmits content indicating that the payment via the post-payment service has been completed to the user terminal device 300 (S116).

[0035] When the postpaid service is applied in S114, for example, the interface screen IM1 in Fig. 7 is displayed on the display unit of the user terminal device 300. The interface screen IM1 includes, for example, information indicating that the payment by the postpaid service has been completed, the remaining postpaid service limit (usage limit), a button B2 for confirming details regarding the postpaid service, etc. When the button B2 is operated, the content providing unit 220 provides, for example, information such as the usage history of the postpaid service to date.

[0036] As described above, the processing unit 240 provides a deferred payment service, so that even if a debit card is used, the payment amount is not immediately debited, but is debited in a lump sum on a set date. This increases the flexibility of using the debit card, and improves user convenience. For example, some users have needs for immediate debit depending on the payment or situation, or for debiting on a set date like a credit card. In order to meet such needs, in this embodiment, the deferred payment service is provided as described above, thereby improving user convenience.

[0037] [Adjustment processing] Fig. 8 is a flow chart showing an example of the adjustment process. If it is determined in S110 of Fig. 6 that the upper limit will be exceeded, the processing unit 240 determines whether the payment amount can be deducted from the balance of the account used for the withdrawal (S200). If the payment amount can be deducted from the balance of the account, the processing unit 240 deducts the payment amount from the balance of the account (S202). In this process, for example, the processing unit 240 deducts the entire payment amount from the account. For example, in a payment of 100,000 yen, even if 50,000 yen remains in the deferred payment limit, the 100,000 yen is deducted from the account. Alternatively, a deferred payment service may be applied to the 50,000 yen, and the remaining 50,000 yen may be deducted from the account.

[0038] When the payment amount is deducted from the account balance as described above, for example, interface screen IM2 in Fig. 9 is displayed on the display unit of user terminal device 300. Interface screen IM2 includes, for example, information indicating that the payment amount has been deducted from the account balance because the deferred payment service limit has been used, the payment amount deducted from the account balance, button B3 for confirming details, etc. When button B3 is operated, content provider 220 provides information such as the account balance after deducting.

[0039] 8, if the payment amount cannot be debited from the account balance, the processing unit 240 determines whether or not automatic financing is set to be used (S204). The processing unit 240 determines whether or not automatic financing is available by referring to setting information 2 of the user management information 262. If automatic financing is set to be used, the processing unit 240 determines whether or not automatic financing can be used (S206). The processing unit 240 determines that automatic financing can be used, for example, if there is a surplus in the loan limit for automatic financing.

[0040] If the determination in S204 or S206 is negative, the process proceeds to S116 in Fig. 6. In this case, the content providing unit 220 provides the user terminal device 300 with content displaying an error indicating that payment cannot be made.

[0041] If automatic financing is available, the processing unit 240 provides automatic financing and makes a payment using the automatic financing (S208). When automatic financing is provided as described above, for example, an interface screen IM3 in FIG. 10 is displayed on the display unit of the user terminal device 300. The interface screen IM3 includes, for example, information indicating that the deferred payment service limit has been used and the payment amount cannot be debited from the account balance, information indicating that the payment has been made using the loan limit for automatic financing, the payment amount, and a button B4 for confirming the details. When the button B4 is operated, the content providing unit 220 provides details regarding the automatic financing, such as the repayment period, the number of repayments, and the interest.

[0042] In the above example, when the deferred payment service is not available and the account balance or automatic loan is used, the payment server 200 may confirm in advance whether the user will use the service. For example, the payment server 200 may display content on the display unit of the user terminal device 300 inquiring whether the user will use the service, and if the user answers in the affirmative, the payment server 200 may perform the payment using the account balance or automatic loan.

[0043] [Summary so far] FIG. 11 is a diagram for explaining a payment method using a debit card according to this embodiment. (1) If the deferred payment service is not set and automatic financing is not enabled, the payment server 200 immediately deducts the payment amount using the debit card from the balance with priority. If the balance is insufficient, the payment server 200 displays an error message indicating that the balance is insufficient on the display unit of the user terminal device 300.

[0044] (2) If the deferred payment service is not set and automatic financing is available, the payment server 200 immediately deducts the payment amount using a debit card from the balance as a priority. If the balance is insufficient, the payment server 200 makes the payment using the loan limit for automatic financing. If the payment cannot be made using the loan limit, the payment server 200 displays an error message on the display unit of the user terminal device 300 indicating that the balance and automatic financing are not available.

[0045] (3) If the deferred payment service is set and automatic financing is not available, the payment server 200 applies the payment amount using a debit card preferentially to the deferred payment service. If the total amount of payments made up to now and the current payment amount exceeds the deferred payment service limit, the payment server 200 immediately deducts the payment amount from the balance. If the balance is insufficient, the payment server 200 displays an error message indicating insufficient balance on the display unit of the user terminal device 300.

[0046] (4) If the deferred payment service is set and automatic financing is available, the payment server 200 applies the payment amount using the debit card preferentially to the deferred payment service. If the total amount of payments made so far and the current payment amount exceeds the deferred payment service limit, the payment server 200 makes the payment using the loan limit for automatic financing. If the payment cannot be made using the loan limit, the payment server 200 displays an error message on the display unit of the user terminal device 300 indicating that the balance and automatic financing are not available.

[0047] In (4), either or both of the use of the balance and the loan limit may be omitted. The priorities of the balance, the loan limit, and the deferred payment service may be switched. The user may set this priority or omit either or both of the use of the balance and the loan limit. For example, the user may operate the payment application 320 to perform various settings. In this case, the setting unit 250 of the payment server 200 updates the user management information 262 in response to the operation.

[0048] For example, the loan limit may be prioritized over the balance. For example, when the use of the balance is omitted, if the sum of the amount of the settlement and the amount of the settlement other than the settlement made until the due date exceeds the upper limit, the processing unit 240 executes a process to automatically lend to the user based on the loan limit available to the user and receive the amount of the settlement or the amount of the amount of the settlement that exceeds the upper limit from the amount of the loan. For example, the processing unit 240 completes the settlement by performing a procedure to receive repayment of the loan from the user in a predetermined future period.

[0049] As described above, the payment server 200 gives priority to the application of the deferred payment service, and when the deferred payment service is not available, the balance or the automatic loan limit is used, thereby increasing the flexibility of use of the debit card and improving convenience for the user.

[0050] [About applying for deferred payment service] (Example of someone who has an account) Processing unit 240 accepts an application for a postpaid service in response to a user's operation on payment application 320, and makes the postpaid service available. Fig. 12 is a diagram showing an interface screen IM4 provided by content providing unit 220. Interface screen IM4 is content provided to user terminal device 300 of a user who has an account with an operator (e.g., a bank) that operates the payment service. The user can view the content by operating a web browser or payment application 320.

[0051] The interface screen IM4 includes, for example, buttons for checking the current savings account balance and transaction details, a button for making a transfer, and a button B5 for applying for a deferred payment service. When the button B5 is operated, the interface screen IM5 is displayed on the display unit of the user terminal device 300.

[0052] The interface screen IM5 includes, for example, an area for setting the deferred payment service withdrawal date. The user can apply for the deferred payment service by performing necessary operations on the interface screen IM5, etc. When the application is completed, the payment server 200 enables the user to use the deferred payment service.

[0053] As described above, users who have an account can easily apply for the postpaid service.

[0054] (Example of not having an account) 13 is a diagram showing an interface screen IM6 provided by the content providing unit 220. The interface screen IM6 is content provided to the user terminal device 300 of a user who has an account with an administrator (e.g., a bank) that operates the payment service. The user can view the content provided when opening an account by operating a web browser or payment application 320.

[0055] The interface screen IM6 includes contents for inputting information required to open an account, such as the date of establishment, capital, number of employees, etc. When a predetermined operation is performed, an interface screen IM7 is provided to the user.

[0056] The interface screen IM7 includes, for example, a button for selecting whether or not to use the deferred payment service, an area for selecting the date on which the deferred payment service will be debited, etc. The user can apply for the deferred payment service when opening an account by performing the necessary operations on the interface screens IM6, IM7, etc. When the account opening and application are completed, the payment server 200 enables the user to use the deferred payment service.

[0057] As described above, users who do not have an account can easily apply for the deferred payment service at the same time as applying for an account.

[0058] For example, applicability of the deferred payment service is assessed based on information provided by the user when opening an account. Therefore, a user can be assessed for the deferred payment service by simply inputting the information required to open an account. On the other hand, assessment for a loan or financing requires more detailed information than the information provided by the user when opening an account. The payment server 200 provides the user terminal device 300 with an interface screen that enables the user to input more detailed information in response to a loan or financing application, and assesses the application using the input information. In this way, the deferred payment service is a service that is easier for users to use.

[0059] Furthermore, information managed by the operator of the payment server 200 (e.g., a bank) may be used in the screening of the postpaid service or the screening of loans and financing. The managed information includes, for example, various information such as the balance history of the user's bank account, the loan balance, and the financing status. This allows for more accurate screening of the provision of services.

[0060] [About using the deferred payment service after application] (Regarding confirmation of usage status) A user can check the usage status of the post-payment service by operating the payment application 320. FIG. 14 is a diagram showing an interface screen IM8 showing the usage status of the post-payment service. The content providing unit 220 displays the interface screen IM8 on the display unit of the user terminal device 300 based on a request from the payment application 320 in response to a user's operation. The interface screen IM8 includes information such as information about the debit card (identification information and expiration date), the amount used for the post-payment service, the payment date, and benefits (e.g. cash back). As described above, a user can easily check the usage status of the post-payment service.

[0061] (About switching to a deferred payment service) A user can operate the payment application 320 to switch whether or not to use the postpaid service. FIG. 15 is a diagram showing an interface screen IM9 for accepting whether or not to use the postpaid service. The interface screen IM9 is an example of an "interface screen for accepting settings for using the postpaid service". The content providing unit 220 displays the interface screen IM9 on the display unit of the user terminal device 300 based on a request from the payment application 320 in response to a user's operation. The interface screen IM9 includes information such as information related to a debit card and a button B6 for setting whether or not to use the postpaid service.

[0062] The user can operate the button B6 to set whether or not the deferred payment service is applied. For example, the user can set it for each payment. As described above, the user can easily set whether or not the deferred payment service is applied.

[0063] When a user uses multiple debit cards, the payment server 200 may set the application of the deferred payment service for each account. For example, when three debit cards are associated with one account, the applicability of the deferred payment service is set for each debit card associated with the account, not for each debit card. Alternatively, the payment server 200 may set the applicability of the deferred payment service for each debit card (not for each account).

[0064] (About using auto financing) The payment server 200 may be configured to set the application of automatic financing. FIG. 16 is a diagram showing an interface screen IM10 for accepting whether or not automatic financing is available. The following mainly describes the differences from the interface screen IM9 in FIG. 14. The content providing unit 220 displays the interface screen IM10 on the display unit of the user terminal device 300 based on a request from the payment application 320 in response to a user's operation. The interface screen IM10 includes, for example, a button B7 for accepting whether or not automatic financing is available, in addition to the information included in the interface screen IM9. The user can operate the button B7 to set whether or not automatic financing is available. For example, the user can set whether or not automatic financing is available for each payment. As described above, the user can easily set whether or not automatic financing is available.

[0065] For users who have not applied for automatic financing, the interface screen IM10 may include a button for application. By operating this button, the user can apply for automatic financing.

[0066] (Updating usage management information in response to user operations) The setting unit 250 updates the user management information 262 in response to the user's operation on the interface screen IM9 of FIG. 15 or the interface screen IM10 of FIG. 16 described above. FIG. 17 is a diagram for explaining the processing of the setting unit 250. When the user performs an operation to turn on the use of the postpaid service and automatic financing, the setting unit 250 acquires information on the operation from the payment application 320 and updates the setting information 1 and setting information 2 in the user management information 262. The setting unit 250 sets the setting information 1 from the immediate withdrawal flag to a postpaid service use flag, and sets the setting information 2 from the automatic financing non-application flag to an automatic financing application flag. As a result, the postpaid service is applied, and when the postpaid service and the balance are not available, automatic financing is applied.

[0067] The debit card may be a virtual debit card. The virtual debit card is, for example, a cardless debit card provided by an application program or browser of the user terminal device 300 in cooperation with a server device (for example, the payment server 200). For example, when a user performs an operation to request the issuance of a card number on a predetermined interface screen displayed on the display unit of the user terminal device 300, a card number is issued. The user can make a payment using the issued card number, for example, in web shopping. The predetermined interface screen is, for example, a screen provided by the payment server 200. The payment server 200 provides the card number to the user terminal device 300 in response to acquiring information inputted into the predetermined interface screen from the user terminal device 300. In this way, the payment server 200 can improve the convenience of the user even when a cardless debit card is used.

[0068] According to the embodiment described above, the payment server 200, upon acquiring payment information, executes a process of debiting the amount related to the payment from the account associated with the specific information for identifying the debit card (physical debit card or virtual debit) included in the payment information after a preset due date, thereby improving user convenience.

[0069] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0070] 10. Debit Cards 100 Relay Server 200 Payment Server 220 Contents Provider 230 Information Management Department 240 Processing section 250 Setting section 260 Storage section 262 User management information 300 User terminal device 320 Payment App

Claims

1. an acquisition unit that acquires payment information relating to a payment made by a user using a debit card during a collection period; a processing unit that, in response to acquisition of the payment information, executes a process of debiting a total amount of the payment for the collection period from an account associated with specific information for identifying the debit card included in the payment information, without debiting the amount of the payment from the account after the collection period has elapsed; a maximum usage amount is stipulated for a service that executes a process of debiting the total amount of the payment for the collection period from an account associated with specific information for identifying the debit card included in the payment information, without debiting the amount of the payment from the account after the collection period has passed; The processing unit includes: when the total amount of the payment related to the payment information acquired in response to the user making a payment using a debit card during the collection period exceeds the upper limit, the total amount of the payment related to the payment, or the amount of the total amount of the payment that exceeds the upper limit, is immediately debited from the balance of the account; Payment management device.

2. an acquisition unit that acquires payment information relating to a payment made by a user using a debit card during a collection period; a processing unit that, in response to acquisition of the payment information, executes a process of debiting a total amount of the payment for the collection period from an account associated with specific information for identifying the debit card included in the payment information, without debiting the amount of the payment from the account after the collection period has elapsed; a maximum usage amount is stipulated for a service that executes a process of debiting the total amount of the payment for the collection period from an account associated with specific information for identifying the debit card included in the payment information, without debiting the amount of the payment from the account after the collection period has passed; The processing unit includes: if the total amount of the payment related to the payment information acquired in response to the user making a payment using a debit card during the collection period exceeds the upper limit, the system automatically lends to the user based on a loan limit available to the user, and immediately executes a process to receive repayment of the amount of the payment related to the payment or the amount of the total amount of the addition that exceeds the upper limit from the amount of the loan; Payment management device.

3. an acquisition unit that acquires payment information relating to a payment made by a user using a debit card during a collection period; a processing unit that, in response to acquisition of the payment information, executes a process of debiting a total amount of the payment for the collection period from an account associated with specific information for identifying the debit card included in the payment information, without debiting the amount of the payment from the account after the collection period has elapsed; a maximum usage amount is stipulated for a service that executes a process of debiting the total amount of the payment for the collection period from an account associated with specific information for identifying the debit card included in the payment information, without debiting the amount of the payment from the account after the collection period has passed; The processing unit includes: If the total amount of the payment related to the payment information acquired in response to a user's payment using a debit card during the collection period exceeds the upper limit, and the total amount of the payment related to the payment information acquired in response to the user's payment using a debit card during the collection period exceeds the upper limit, and the amount of the payment or the total amount of the payment that exceeds the upper limit cannot be debited from the balance of the account, automatically providing a loan to the user based on a loan limit available to the user, and instantly executing a process for receiving, from the loan amount, the amount relating to the settlement or the amount of the amount relating to the settlement that exceeds the upper limit; Payment management device.

4. The debit card is a virtual debit card. The payment management device according to any one of claims 1 to 3.

5. The computer When a user makes a payment using a debit card during a collection period, payment information relating to the payment is acquired, In response to acquiring the payment information, a process is executed to debit the total amount of the payment for the collection period from an account associated with specific information for identifying the debit card included in the payment information, without debiting the amount of the payment from the account, after the collection period has elapsed; a maximum usage amount is stipulated for a service that executes a process of debiting the total amount of the payment for the collection period from an account associated with specific information for identifying the debit card included in the payment information, without debiting the amount of the payment from the account after the collection period has passed; when the total amount of the payment related to the payment information acquired in response to the user making a payment using a debit card during the collection period exceeds the upper limit, the total amount of the payment related to the payment, or the amount of the total amount of the payment that exceeds the upper limit, is immediately debited from the balance of the account; Payment management methods.

6. The computer When a user makes a payment using a debit card during a collection period, payment information relating to the payment is acquired, In response to acquiring the payment information, a process is executed to debit the total amount of the payment for the collection period from an account associated with specific information for identifying the debit card included in the payment information, without debiting the amount of the payment from the account, after the collection period has elapsed; a maximum usage amount is stipulated for a service that executes a process of debiting the total amount of the payment for the collection period from an account associated with specific information for identifying the debit card included in the payment information, without debiting the amount of the payment from the account after the collection period has passed; if the total amount of the payment related to the payment information acquired in response to the user making a payment using a debit card during the collection period exceeds the upper limit, the system automatically lends to the user based on a loan limit available to the user, and immediately executes a process to receive repayment of the amount of the payment related to the payment or the amount of the total amount of the addition that exceeds the upper limit from the amount of the loan; Payment management methods.

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