Payment processing device, payment processing system, payment processing method, and program

Abstract

A payment processing device, a payment processing system, a payment processing method, and a program that can improve the convenience when using a prepaid card. [Solution] A payment processing device comprising an information management unit that links and manages prepaid card information, which is information regarding a user's prepaid card, with the user's electronic money balance, and a payment processing unit that performs payment processing using the user's electronic money balance when making a payment using the user's prepaid card at an affiliated store where the prepaid card can be used.

Description

[Technical field]

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

[0002] Conventionally, there is known an electronic payment service in which code information is displayed on a user terminal device owned by a user and the code information is read by a store terminal device installed in a store to execute electronic payment. Patent Document 1 proposes an electronic payment system in which credit cards that can be used in the electronic payment service are registered in a payment server. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 7311726 Summary of the Invention [Problem to be solved by the invention]

[0004] However, in the electronic payment system described in Patent Document 1, the electronic money balance charged by a user could only be used to make payments at businesses that had entered into an affiliated store agreement with an electronic payment service provider that offered payments using electronic money, which could cause inconvenience to users when making payments at businesses with which the electronic payment service provider had not entered into an affiliated store agreement.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide a payment processing device, a payment processing system, a payment processing method, and a program that enable a user to use the electronic money balance charged by the user to make payments with an international brand prepaid card, thereby improving convenience for the user. [Means for solving the problem]

[0006] One aspect of the present invention is a payment processing device that includes an information management unit that links and manages prepaid card information, which is information about a user's prepaid card, with the user's electronic money balance, and a payment processing unit that performs payment processing using the user's electronic money balance when making a payment using the user's prepaid card at an affiliated store where the prepaid card can be used. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide a payment processing device, a payment processing system, a payment processing method, and a program that can improve the convenience when using a prepaid card. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 2 is a diagram illustrating the configuration of a user terminal device 200. [Figure 8] FIG. 1 is a diagram showing a first example of an outline of prepaid card payment. [Figure 9] FIG. 11 is a sequence diagram showing an example of a process for purchasing a product using a prepaid card. [Figure 10] FIG. 13 is a diagram showing an example of authorization information 178. [Figure 11] FIG. 2 is a diagram showing an example of a home screen of a payment application 20. [Figure 12]13 is a diagram showing an example of a payment screen of a payment application 20. FIG. [Figure 13] FIG. 13 shows an example of a payment completion screen of payment application 20. [Figure 14] FIG. 11 is a diagram showing a second example of an outline of prepaid card payment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of a payment processing device, a payment processing system, a payment processing method, and a program of the present invention will be described. Various devices, such as various devices and servers that appear below for providing services to users and performing internal analysis, may be realized by a distributed device group, and each device may be operated by a different business operator. Furthermore, the owner of the hardware of the device (provider of the cloud server) and the business that actually operates the device may also be different. The application program and the payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment application. The electronic payment service is a service that supports payments related to the purchase of goods and services at a store. The store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for electronic commerce. The virtual store may include one provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for shopping at the virtual store, the screen may be controlled to transition to an interface screen of the electronic payment service. In the electronic payment service, the store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at the store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be carried out between the user and the store. Furthermore, the card company server and the payment server work together to provide a payment service using a prepaid card. A prepaid card is a prepaid card that can be charged with electronic money in advance and used at affiliated stores. When using a prepaid card at a store, payment can be made by holding or inserting the prepaid card over a store terminal device for cards. When using a prepaid card, the user may be required to enter a PIN number. Furthermore, when using a prepaid card for online transactions (Internet shopping, etc.), the user may be required to enter card information (prepaid card number, expiration date, etc.) of the prepaid card on the payment screen of a website.

[0010] [Electronic payment service] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. The electronic payment system which realizes the electronic payment service includes, for example, one or more user terminal devices 200, one or more first store terminal devices 50, one or more second store terminal devices 70, the payment server 100, a card store terminal device 300, and a card company server 400. These devices communicate with each other via, for example, 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] A part or all of the functional configuration included in the electronic payment system may be distributed among multiple devices in any form, or may be integrated into any device. For example, a part or all of the functional configuration of the card company server 400 may be included in the configuration of the payment server 100, and a part or all of the functional configuration of the payment server 100 may be included in the functional configuration of the card company server 400.

[0012] The user terminal device 200 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 200 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 200, a processor such as a CPU executes a payment application 20, thereby operating to provide an electronic payment service to a user in cooperation with the payment server 100. The payment application 20 is installed in the user terminal device 200 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0013] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store, and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0014] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading a code image displayed by the user terminal device 200 by executing the app for affiliated stores.

[0015] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 200 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the payment information is sent from the first store terminal device 50.

[0016] The store terminal 300 is a terminal used at a prepaid card affiliated store. The store terminal 300 acquires information on a prepaid card presented by a user and transmits the acquired information to the card company server 400.

[0017] The card company server 400 is a server device of a prepaid card issuing company related to the electronic payment service. The card company server 400 is operated by, for example, a group company of the payment server 100.

[0018] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2.

[0019] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 200 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which store-identifying information is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 200 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 200 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0020] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 200 over the first store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0021] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0022] [Payment server] 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, an acquisition unit 150, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 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), a GPU (Graphics Processing Unit), or a SOC (System On Chip), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0023] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, affiliated store / shop information 176, and authorization information 178. Some of this information may be stored in the storage unit of the user terminal device 200.

[0024] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0025] The payment content providing unit 120 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 200. The payment content providing unit 120 appropriately reads necessary content from the payment content information 174 and provides it to the user terminal device 200. The user terminal device 200 accepts various inputs by the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. The above content may be generated by the payment application 20. In this case, the payment content providing unit 120 provides information required for generating the content to the payment application 20.

[0026] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 200 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0027] FIG. 5 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a credit payment setting, a credit payment limit, a credit payment amount used, a credit payment available amount, a payment method setting, a bank account, a credit card number, charge history information, payment history information, prepaid card information, and an excess amount. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0028] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to an account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The credit payment setting is information indicating whether or not the setting for enabling electronic payment by credit payment has been completed, and is set to either "completed" or "not completed." The credit payment limit is the credit payment limit that can be used each month, the credit payment usage amount is the amount of credit payment that has already been used in the current month, and the credit payment available amount is the amount of credit payment that can be used in the current month, which is calculated by subtracting the credit payment usage amount from the credit payment limit. Although only one credit payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the credit payment limit. Further details of credit payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by credit payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that indicates the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0029] The prepaid card information is information about the prepaid card such as the prepaid card number, expiration date, etc. The excess amount, which will be described in detail later, is an amount that occurs when the payment amount of a payment using a prepaid card is determined and the determined payment amount is unintentionally larger than the user's electronic money balance due to the payment mechanism.

[0030] FIG. 6 is a diagram showing an example of the contents of the affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store name is associated with a store ID. In addition to these pieces of information, the affiliated store / store information 176 may include information such as an affiliated store or store category, a store location, and a payment pattern. The above-mentioned affiliated store name may be, for example, information registered by the affiliated store or information registered by an administrator of the electronic payment service. The above-mentioned affiliated store name and store name may be managed in an integrated manner. The above-mentioned affiliated store name may be, for example, a combination of the affiliated store name and the store name. It is preferable that the above-mentioned affiliated store name is an official name or a detailed name. In the affiliated store / store information 176, an icon of an affiliated store or other detailed information of an affiliated store may be associated with an affiliated store ID or a store ID.

[0031] The information management unit 140 acquires information provided by other server devices and terminal devices. The information management unit 140 manages user information 172, affiliated store / store information 176, and authorization information 178 based on information acquired from the user terminal device 200 and the second store terminal device 70. The information management unit 140 adds new records, edits, deletes, etc. for the user information 172, affiliated store / store information 176, and authorization information 178.

[0032] The acquisition unit 150, details of which will be described later, acquires first payment information for payments using prepaid cards, including the payment amount (first payment amount) at the time of authorization (hereinafter referred to as "authorization"), and acquires second payment information, including the payment amount (second payment amount) at the time of sale at the affiliated store.

[0033] [Electronic payment] When payment information is acquired from the user terminal device 200 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0034] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "credit card payment" as follows. Credit card payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the credit card payment limit. In order to receive the credit card payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used in the credit card payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the credit card payment amount and subtracting the same amount from the available credit card payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform the processing. In addition, if the payment amount exceeds the available credit card payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0035] [User terminal device] 7 is a configuration diagram of user terminal device 200. User terminal device 200 includes, for example, a communication unit 210, a display unit 220, an input unit 230, a control unit 240, and a storage unit 250. Communication unit 210 is a communication interface for communicating via network NW. Display unit 220 and input unit 230 are realized, for example, by a touch panel display.

[0036] The control unit 240 is realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit) such as an LSI, ASIC, FPGA, or GPU, or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device having a non-transient storage medium), or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by mounting the storage medium in a drive device.

[0037] Storage unit 250 is a HDD, flash memory, RAM, or the like. Storage unit 250 may be a NAS device accessible by user terminal device 200 via a network. User information 252, payment application 20, and the like are stored in storage unit 250. User information 252 is some or all of the information of a record corresponding to the user who owns user terminal device 200, among user information 172 shown in FIG. 5. Payment application 20 is read and executed by a hardware processor (such as a CPU) in user terminal device 200.

[0038] By starting the payment application 20 on the user terminal device 200, the user can use the electronic payment service provided by the payment server 100. That is, when the user operates the screen of the payment application 20, electronic payment is performed by user scanning (FIG. 2) or store scanning (FIG. 3). This electronic payment process is the same as in the past, but in this embodiment, it is also possible to make a prepaid card payment using the charged electronic money balance. This point will be explained below.

[0039] [Overview of prepaid card payments (first example)] Figure 8 is a diagram showing a first example of an overview of prepaid card payment. The example shown in Figure 8 shows the flow of processing when an on-us transaction is performed. An on-us transaction is a transaction in which the issuer (issuer) of the prepaid card and the affiliated store contracting company (acquirer) are the same company. For this reason, in Figure 8, there is no affiliated store contracting company (acquirer) between the affiliated store and the card company.

[0040] In the present embodiment, the prepaid card payment is made from the charge balance of electronic money used in the electronic payment service. Therefore, before actually making a prepaid card payment, the user charges electronic money from the screen of the payment application 20 (S101). As a result, the payment server 100 adds the designated amount of electronic money to the electronic money balance linked to the user's account.

[0041] Next, the user applies to purchase a product at an affiliated store (S102). At this time, the user has the prepaid card read by the card store terminal device 300. This allows the card store terminal device 300 to obtain card information (prepaid card number, expiration date, etc.) of the user's prepaid card. Note that although an application to purchase a product is used here, an application to use a service may also be used.

[0042] Next, the card store terminal device 300 transmits payment information including the settlement amount of the product to be purchased to the card company server 400 (S103). There are two types of payment information: first payment information including the first payment amount, which is the payment amount at the time of authorization, and second payment information including the second payment amount, which is the payment amount at the time of sale at the affiliated store. However, for ease of explanation, they are simply referred to as "payment information" here. Details of the first payment information and the second payment information will be described later.

[0043] Next, the card company server 400 transmits the payment information to the payment server 100 (S104). The payment server 100 deducts the payment amount from the charge balance of the user based on the payment information received from the card company server 400 (S105). Specifically, the payment server 100 subtracts the payment amount from the charge balance of the user in the user information 172.

[0044] Meanwhile, the card company server 400 pays the settlement amount to the affiliated store (S106). For example, the card company server 400 may transfer the settlement amount to the affiliated store's bank account. In this way, the affiliated store can receive the settlement amount according to the user's purchase of the product (or use of the service).

[0045] However, when the payment in S106 is completed, it is assumed that the card company has paid the settlement amount in advance. Therefore, the card company server 400 sends an advance payment request to the payment server 100 (S107). The payment server 100 pays the advance based on the advance payment request received from the card company server 400 (S108). Through the above process, when a user uses a prepaid card to purchase a product (or use a service), the payment can be made from the charged balance of the user's electronic money.

[0046] Next, the difference between credit card payment and prepaid card payment will be explained. In credit card payment, the settlement server 100 refers to the user information 172 to confirm the user's available credit card payment amount and judges whether or not to approve the credit card payment. When a user purchases a product with credit card payment, the user is billed for the credit card payment amount at the end of the month. For this reason, in credit card payment, the payment is not made immediately even if the user purchases a product.

[0047] On the other hand, in the case of prepaid card payment, the payment server 100 checks the user's electronic money balance (charge balance) by referring to the user information 172, and judges whether or not to approve the prepaid card payment. When a user purchases a product by paying with a prepaid card, the payment server 100 immediately deducts the payment amount from the user's charge balance. Therefore, with a prepaid card, payment is made immediately, unlike with credit card payment.

[0048] In addition, when making a payment with a prepaid card, the payment amount may differ between the time of authorization and the time of sale at the affiliated store. For example, when a user fills up a gas station, the amount of gasoline actually filled is unknown at the time of authorization, so authorization processing may be performed with a payment amount of 1 yen, and at the time of sale at the affiliated store (gas station), the payment processing may be performed with a payment amount according to the amount of gasoline actually filled (for example, 5,000 yen). As another example, when a user makes a reservation for accommodation at a travel agency, authorization processing may be performed with the accommodation fee as the payment amount at the time of authorization, and at the time of sale at the affiliated store (accommodation), the payment processing may be performed with the fee for the service (room service, etc.) actually used at the accommodation added to the payment amount. In this way, the payment amount may differ between the time of authorization and the time of sale at the affiliated store. Based on this, the details of the processing at the time of payment with a prepaid card will be described below.

[0049] [Sequence diagram] Fig. 9 is a sequence diagram showing an example of a process related to purchasing a product using a prepaid card. The process shown in the sequence diagram of Fig. 9 is executed when a user applies to purchase a product at a member store. Note that although an application to purchase a product is used here, an application to use a service may also be used.

[0050] First, the card store terminal device 300 acquires card information (such as a prepaid card number and an expiration date) of a user's prepaid card (S201). For example, the card store terminal device 300 may read the card information directly from a prepaid card presented by the user, or may have the user input the card information.

[0051] Next, the card store terminal device 300 transmits the first payment information to the card company server 400 (S202). The first payment information is payment information at the time of authorization, which will be described later. For example, the first payment information includes a transaction ID, a prepaid card number, a terminal identification number, an affiliated store ID, and a first payment amount. The transaction ID is identification information for identifying the transaction. The prepaid card number is the number of the user's prepaid card, which is included in the card information acquired in S201. The terminal identification number is identification information for identifying the card store terminal device 300. The affiliated store ID is identification information for identifying the affiliated store to which the store where the user is going to purchase the product belongs, and is the same information as the affiliated store ID shown in FIG. 6. The first payment amount is the payment amount at the time of authorization.

[0052] Next, the card company server 400 receives the first payment information from the card store terminal device 300 and transmits the received first payment information to the payment server 100 (S203). In this embodiment, the first payment information is transmitted to the payment server 100 because the payment process for the prepaid card is performed by the payment server 100.

[0053] Next, the acquisition unit 150 of the payment server 100 acquires the first payment information transmitted from the card company server 400. The payment processing unit 130 performs an authorization process based on the first payment information acquired by the acquisition unit 150 (S204). The authorization process is a process for determining whether or not to approve a payment using a prepaid card based on the first payment information. Specifically, the payment processing unit 130 acquires the user's electronic money balance (charge balance) from the user information 172 in the authorization process. Furthermore, if the first payment amount included in the first payment information is equal to or less than the user's electronic money balance, the payment processing unit 130 determines that the payment using the prepaid card is approved, and subtracts the first payment amount from the user's electronic money balance. On the other hand, if the first payment amount included in the first payment information is greater than the user's electronic money balance, the payment processing unit 130 determines that the payment using the prepaid card is not approved.

[0054] Next, the information management unit 140 updates the authorization information 178 stored in the storage unit 170 (S205). Fig. 10 is a diagram showing an example of the authorization information 178. As shown in Fig. 10, the authorization information 178 includes a transaction ID, a prepaid card number, a terminal identification number, an affiliated store ID, a first payment amount, and a determination result.

[0055] Specifically, the information management unit 140 links the transaction ID, prepaid card number, terminal identification number, affiliated store ID, first payment amount, and the determination result and adds them to the authorization information 178. Note that the transaction ID, prepaid card number, terminal identification number, affiliated store ID, and first payment amount are information included in the first payment information received in S203. The determination result is the result of the authorization process in S204. If it is determined in the authorization process that the payment using the prepaid card is approved, the determination result is OK. On the other hand, if it is determined that the payment using the prepaid card is not approved, the determination result is NG.

[0056] Next, the payment server 100 transmits the authorization result to the card company server 400 (S206). The authorization result is information including the transaction ID and the judgment result (OK or NG). The card company server 400 transmits the authorization result to the card store terminal device 300 (S207), and the card store terminal device 300 transmits the authorization result to the user terminal device 200 (S208). The user terminal device 200 may display whether or not the payment using the prepaid card has been approved based on the authorization result received from the card store terminal device 300. This allows the user to understand the authorization result.

[0057] Next, the card store terminal device 300 transmits the second payment information to the card company server 400 (S209). The second payment information is payment information at the time of sale at the affiliated store. For example, the second payment information includes a transaction ID, a prepaid card number, a terminal identification number, an affiliated store ID, and a second payment amount. The second payment amount is the payment amount at the time of sale at the affiliated store.

[0058] Next, the card company server 400 receives the second payment information from the card store terminal device 300 and transmits the received second payment information to the payment server 100 (S210). In this embodiment, the second payment information is transmitted to the payment server 100 in order to perform electronic payment by prepaid card using the user's electronic money balance.

[0059] Next, the acquisition unit 150 of the payment server 100 acquires the second payment information transmitted from the card company server 400. The payment processing unit 130 performs the payment process based on the second payment information acquired by the acquisition unit 150 (S211). Specifically, the payment processing unit 130 acquires the first payment amount linked to the transaction ID included in the second payment information from the authorization information 178. Furthermore, the payment processing unit 130 completes the payment process when the second payment amount included in the second payment information matches the first payment amount. On the other hand, when the second payment amount included in the second payment information does not match the first payment amount, the payment processing unit 130 calculates an additional collection amount obtained by subtracting the first payment amount from the second payment amount. Thereafter, the payment processing unit 130 subtracts the calculated additional collection amount from the user's electronic money balance and completes the payment process. This allows the payment process to be performed appropriately even if the second payment amount at the time of sale at the affiliated store is higher than the first payment amount at the time of authorization.

[0060] Next, the information management unit 140 updates the user information 172 stored in the storage unit 170 (S212). Specifically, the information management unit 140 updates the charge balance in the user information 172 based on the user's electronic money balance after deducting the additional collected amount.

[0061] Next, the payment server 100 transmits a payment completion notice to the card company server 400 (S213). The payment completion notice includes the transaction ID and information indicating that the payment has been completed. The card company server 400 transmits the payment completion notice to the card store terminal device 300 (S214), and the card store terminal device 300 transmits the payment completion notice to the user terminal device 200 (S215). Based on the payment completion notice received from the card store terminal device 300, the user terminal device 200 may display that the payment using the prepaid card has been completed. This allows the user to know that the payment process has been completed.

[0062] In the above description, the prepaid card is a physical card, but this is not limited thereto. For example, the prepaid card of this embodiment may be a virtual prepaid card that does not have a physical card. In the case of a virtual prepaid card, the user may use the user terminal device 200 to input the prepaid card number, etc., at the affiliated store's website to apply for a product purchase online. The card information of the user's prepaid card (prepaid card number, expiration date, etc.) can be confirmed on the screen of the payment application 20. The details of the screen of the payment application 20 will be described later.

[0063] 9, the second payment amount at the time of sale at the affiliated store may be lower than the first payment amount at the time of authorization. In such a case, the payment processing unit 130 calculates the refund amount by subtracting the second payment amount from the first payment amount, and adds the refund amount to the user's electronic money balance. This allows appropriate payment processing to be performed even if the second payment amount at the time of sale at the affiliated store is lower than the first payment amount at the time of authorization.

[0064] Also, in S211 of FIG. 9, if the user's electronic money balance is insufficient, the user may not be able to pay the additional amount to be collected. In this case, the payment processing unit 130 will additionally bill the user for the shortfall. Specifically, if the additional amount to be collected is greater than the user's electronic money balance, the payment processing unit 130 bills the user for the excess amount obtained by subtracting the electronic money balance from the additional amount to be collected, and resets the user's electronic money balance to 0. The information management unit 140 records the excess amount calculated by the payment processing unit 130 in the user information 172, linking it to the user's prepaid card information. This point will be described below with a specific example.

[0065] For example, consider a case where the first payment amount at the time of authorization is 8,000 yen, the second payment amount at the time of sale at the affiliated store is 10,000 yen, and the user's electronic money balance is 9,000 yen. During authorization processing, the payment processing unit 130 determines that the prepaid card payment is approved because the first payment amount (8,000 yen) is less than the user's electronic money balance (9,000 yen), and subtracts the first payment amount (8,000 yen) from the user's electronic money balance (9,000 yen). As a result, the user's electronic money balance becomes 1,000 yen at the end of authorization processing.

[0066] Next, at the time of sales at the affiliated store, the payment processing unit 130 calculates the additional amount to be collected (2000 yen) by subtracting the first payment amount (8000 yen) from the second payment amount (10000 yen). At this time, since the additional amount to be collected (2000 yen) is more than the user's electronic money balance (1000 yen), the payment processing unit 130 calculates the excess amount (1000 yen) by subtracting the user's electronic money balance (1000 yen) from the additional amount to be collected (2000 yen). Furthermore, the payment processing unit 130 bills the user for the excess amount (1000 yen) and sets the user's electronic money balance (charge balance) to 0. This makes it possible to prevent omission of billing even if the user's electronic money balance is insufficient.

[0067] The excess amount caused by the shortage of the electronic money balance can be resolved by the user by charging electronic money. Therefore, when the additional collected amount is greater than the electronic money balance (when an excess amount occurs), the payment processing unit 130 notifies the user to charge electronic money for the excess amount. This point will be specifically explained using the screen of the payment application 20.

[0068] [Payment app screen] Fig. 11 is a diagram showing an example of a home screen of the payment application 20. As shown in Fig. 11, the home screen of the payment application 20 includes an area A1, an area A2, an area A3, an icon IC1, and a button B1.

[0069] Area A1 displays card information (e.g., prepaid card number, expiration date, etc.) of the prepaid card used for prepaid card payment. The user can ascertain the card information of the prepaid card by checking area A1 on the home screen.

[0070] Furthermore, when the user swipes area A1 left or right, the payment method of the electronic payment service can be switched to another payment method. For example, when the user swipes area A1 right, the payment app 20 switches to a payment method based on the electronic money balance. When the user swipes area A1 left, the payment app 20 switches to a payment method based on credit card payment. This allows the user to easily switch the payment method of the electronic payment service.

[0071] Area A2 displays icons for instructing the main actions involved in smartphone payments, such as scanning, money transfer, points, usage history, and credit card payments.

[0072] Area A3 displays various icons for launching various mini-apps executable by payment application 20. Specifically, area A3 displays 12 icons. Of these icons, icon IC1 is an icon for launching a prepaid card mini-app. When a user selects (tap) icon IC1, payment application 20 launches the prepaid card mini-app. This makes it possible to display, for example, a card details screen showing details of the prepaid card, a payment history screen for prepaid card payments, etc. on display unit 220 of user terminal device 200.

[0073] Button B1 is a button for instructing the display of a payment screen. When a user selects (tap) button B1, the payment screen is displayed. The payment screen displays code information such as a barcode or QR code (registered trademark) used for smartphone payments. However, in S211 of the above-mentioned FIG. 9, if the additional collected amount is greater than the user's electronic money balance (i.e., if an excess amount has occurred), payment application 20 displays the payment screen shown in FIG. 12 on display unit 220 of user terminal device 200.

[0074] Fig. 12 is a diagram showing an example of a payment screen of payment application 20. For example, when the additional collected amount is greater than the electronic money balance, if the user selects (tap) button B1 in Fig. 11, the payment screen shown in Fig. 12 is displayed on display unit 220 of user terminal device 200.

[0075] The payment screen displays code information such as a barcode or QR code (registered trademark) that is normally used for smartphone payments. However, if an excess amount has occurred, the user terminal device 200 does not display this code information on the payment screen, but instead displays the electronic money balance (0 yen) and the excess amount (1000 yen). This makes it possible to prevent smartphone payments using code information from being made even if the user has an excess amount.

[0076] The payment screen also displays the message "Overage has occurred. Please charge the excess amount to resolve it. After it is resolved, you will be able to use the remaining balance payment" along with button B2. When the user selects (tap) button B2, the electronic money charge screen is displayed. The user can charge electronic money from the charge screen.

[0077] When an excess amount occurs, the user is in a state where they have borrowed funds from the electronic payment service provider to make a transaction (so-called overdraft). For this reason, when electronic money is charged to the user's electronic money balance, the payment processing unit 130 uses the charged electronic money preferentially to resolve the excess amount. By resolving the excess amount, code information such as a barcode or QR code (registered trademark) is displayed on the payment screen, and the user becomes able to make a smartphone payment using the code information.

[0078] Fig. 13 is a diagram showing an example of a payment completion screen of payment application 20. For example, when a prepaid card payment is made when the additional collected amount is greater than the electronic money balance, the payment completion screen shown in Fig. 13 is displayed on display unit 220 of user terminal device 200.

[0079] The payment completion screen normally displays the name of the store where the electronic payment was made, the payment amount, a message indicating that the payment is complete, etc. However, if an overpayment has occurred, the user terminal device 200 displays the electronic money balance and the overpayment amount in addition to the above information on the payment completion screen.

[0080] The payment completion screen also displays a message saying, "Your prepaid card has been overused. You must top up your electronic money balance to pay for the overused amount," along with button B3. When the user selects (tap) button B3, an electronic money top-up screen is displayed. The user can top up electronic money from the top-up screen.

[0081] In this way, when an excess amount occurs, the user terminal device 200 displays a payment completion screen indicating the excess amount on the display unit 220. This allows the user to easily understand that an excess amount has occurred.

[0082] [Overview of prepaid card payments (Example 2)] FIG. 14 is a diagram showing a second example of the outline of prepaid card payment. In the example shown in FIG. 8 described above, an on-us transaction is performed in which the issuer (issuer) of the prepaid card and the affiliated store contract company (acquirer) are the same company. On the other hand, in the example shown in FIG. 14, an on-us transaction is not performed. For example, FIG. 14 shows an example in which a card company operating a card company server 400 makes a contract with an international brand credit card company, thereby enabling prepaid card payment at a store affiliated with the international brand credit card company. In FIG. 14, the issuer (issuer) of the prepaid card and the affiliated store contract company (acquirer) are different, so that the affiliated store contract company (acquirer) exists between the affiliated store and the card company.

[0083] Therefore, the card store terminal device 300 does not send the payment information directly to the card company server 400, but sends the payment information to the card company server 400 via an acquirer server 500 operated by the acquirer (S303, S304).

[0084] Also, the card company server 400 does not pay the payment amount directly to the affiliated store, but pays the payment amount via the acquirer (S307, S308). For example, the card company server 400 may transfer the payment amount to the bank account of the acquirer. Also, the acquirer server 500 may transfer the payment amount to the bank account of the affiliated store. In this way, the affiliated store can receive the payment amount according to the user's purchase of a product (or use of a service).

[0085] Note that S301 and S302 in Fig. 14 are similar to S101 and S102 in Fig. 8, S305 and S306 in Fig. 14 are similar to S104 and S105 in Fig. 8, and S309 and S310 in Fig. 14 are similar to S107 and S108 in Fig. 8. Therefore, detailed explanation of these processes will be omitted.

[0086] According to the embodiment described above, the payment server 100 includes an information management unit 140 and a payment processing unit 130. The information management unit 140 manages prepaid card information, which is information related to the user's prepaid card, in association with the user's electronic money balance. The payment processing unit 130 performs payment processing using the user's electronic money balance when making a payment using the user's prepaid card at an affiliated store that accepts prepaid cards. This can improve convenience when using the prepaid card.

[0087] In the above description, the payment server 100 is described as an example of a payment processing device, and the payment server 100 and the card company server 400 are separate servers, but this is not limited to the above. For example, if the electronic payment service provider and the card company are the same company or a group of companies, a single server that integrates the payment server 100 and the card company server 400 may be provided as a payment processing device.

[0088] 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]

[0089] 20. Payment App 50 First store terminal device 100 Payment Server 110 Communications Department 120 Payment Contents Provider 130 Payment processing unit 140 Information Management Department 150 Acquisition Department 170 Storage section 172 User information 178 Authorization Information 200 User terminal device 210 Communications Department 220 Display section 230 Input section 240 Control Unit 250 Storage section 300 Card store terminal device 400 Card company server 500 Acquirer Server

Claims

1. an information management unit that manages prepaid card information, which is information related to a user's prepaid card, in association with the user's electronic money balance; a payment processing unit that performs a payment process using the electronic money balance of the user when making a payment using the prepaid card of the user at a store of an affiliated store where the prepaid card can be used; an acquisition unit that acquires, for a payment using the prepaid card, first payment information including a first payment amount that is a payment amount at the time of authorization and second payment information including a second payment amount that is a payment amount at the time of sale at the affiliated store; Equipped with The payment processing unit, If the second payment amount is greater than the first payment amount, subtracting the additional amount obtained by subtracting the first payment amount from the second payment amount from the electronic money balance, and completing the payment process; If the additional amount to be collected is greater than the electronic money balance, the excess amount obtained by subtracting the electronic money balance from the additional amount to be collected is charged to the user, and the electronic money balance of the user is set to zero; the information management unit manages the excess amount in association with the prepaid card information of the user. Payment processing device.

2. The payment processing unit determines whether or not to approve the payment using the prepaid card based on the first payment information. The payment processing device according to claim 1.

3. The payment processing unit, If the first payment amount is equal to or less than the electronic money balance of the user, determining that the payment using the prepaid card is approved, and subtracting the first payment amount from the electronic money balance; if the first payment amount is greater than the electronic money balance of the user, determining that the payment using the prepaid card is not approved; The payment processing device according to claim 2.

4. The payment processing unit, If the second payment amount matches the first payment amount, completing the payment process. The payment processing device according to claim 3.

5. When the additional collected amount is greater than the electronic money balance, the payment processing unit notifies the user to charge the electronic money for the excess amount. The payment processing device according to claim 1.

6. when electronic money is charged to the electronic money balance of the user, the payment processing unit preferentially uses the charged electronic money to cancel the excess amount. The payment processing device according to claim 1.

7. When the excess amount occurs, the payment processing unit displays the excess amount via an application program for using an electronic payment service that uses code information and is installed on a user terminal device operated by the user. The payment processing device according to claim 1.

8. A payment processing device; an application program for using an electronic payment service that performs electronic payment using code information, the application program being installed in a user terminal device operated by a user; A payment processing system comprising: The payment processing device includes: an information management unit that manages prepaid card information, which is information related to the prepaid card of the user, in association with the electronic money balance of the user; a payment processing unit that performs a payment process using the electronic money balance of the user when making a payment using the prepaid card of the user at a store of an affiliated store where the prepaid card can be used; an acquisition unit that acquires, for a payment using the prepaid card, first payment information including a first payment amount that is a payment amount at the time of authorization and second payment information including a second payment amount that is a payment amount at the time of sale at the affiliated store; Equipped with The payment processing unit, If the second payment amount is greater than the first payment amount, subtracting the additional amount obtained by subtracting the first payment amount from the second payment amount from the electronic money balance, and completing the payment process; If the additional amount to be collected is greater than the electronic money balance, the excess amount obtained by subtracting the electronic money balance from the additional amount to be collected is charged to the user, and the electronic money balance of the user is set to zero; The information management unit manages the excess amount in association with the prepaid card information of the user, The application program is installed in the user terminal device. If an excess amount has occurred, a payment completion screen showing the excess amount is displayed. Payment processing system.

9. The application program is installed in the user terminal device. If the excess amount occurs, the code information is not displayed on the payment screen of the electronic payment service, and the excess amount is displayed. The payment processing system according to claim 8.

10. A payment processing device managing prepaid card information, which is information relating to a user's prepaid card, in association with the user's electronic money balance; When making a payment using the prepaid card of the user at a store of an affiliated store where the prepaid card can be used, a payment process is performed using the electronic money balance of the user; Acquire first payment information including a first payment amount, which is a payment amount at the time of authorization, and second payment information including a second payment amount, which is a payment amount at the time of sale at the affiliated store, for a payment using the prepaid card; If the second payment amount is greater than the first payment amount, subtracting the additional amount obtained by subtracting the first payment amount from the second payment amount from the electronic money balance, and completing the payment process; If the additional amount to be collected is greater than the electronic money balance, the excess amount obtained by subtracting the electronic money balance from the additional amount to be collected is charged to the user, and the electronic money balance of the user is set to zero; The excess amount is managed in association with the prepaid card information of the user. Payment processing methods.

11. The payment processing device The prepaid card information, which is information related to the prepaid card of the user, is linked to the electronic money balance of the user and managed; When making a payment using the prepaid card of the user at a store of an affiliated store where the prepaid card can be used, a payment process is performed using the electronic money balance of the user; acquiring first payment information including a first payment amount, which is a payment amount at the time of authorization, and second payment information including a second payment amount, which is a payment amount at the time of sale at the affiliated store, for a payment using the prepaid card; If the second payment amount is greater than the first payment amount, subtracting the additional amount obtained by subtracting the first payment amount from the second payment amount from the electronic money balance, and completing the payment process; If the additional amount to be collected is greater than the electronic money balance, the excess amount obtained by subtracting the electronic money balance from the additional amount to be collected is charged to the user, and the electronic money balance of the user is set to zero; The excess amount is managed in association with the prepaid card information of the user. program.

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