Settlement management device, settlement management method, and program

Abstract

Provided are a settlement management device, a settlement management method, and a program that can implement card settlement for paying the settlement amount from the sales amount of a franchise store. 【Solution means】A settlement management device that can communicate with a user terminal device operated by a user and performs card settlement using a card issued for a franchise store, comprising: an acquisition unit that acquires setting information indicating any one of a settlement method based on the remaining recharge balance of electronic money, a settlement method by credit payment, or a settlement method by the sales amount of the franchise store from a settlement application operating on the user terminal device; and a settlement processing unit that executes a settlement process according to the setting information when receiving a notification requesting the card settlement.

Description

Technical Field

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

Background Art

[0002] Conventionally, an invention of a transaction settlement terminal device that handles a debit card, an electronic money card, or a transaction card having the functions of both these cards has been disclosed (for example, Patent Document 1). This device includes a first input device for inputting the transaction amount to be settled and a second input device for designating and inputting the settlement method. By a store clerk designating and inputting the settlement method to the second input device, the settlement method for card settlement can be switched.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, since the transaction card described in Patent Document 1 is not a card for franchise stores of electronic payment services, when using the transaction card as a debit card, there are cases where the settlement amount cannot be paid from the sales of the franchise store.

[0005] The present invention has been made in consideration of such circumstances, and one of its objects is to provide a settlement management device, a settlement management method, and a program capable of realizing card settlement for paying the settlement amount from the sales of franchise stores.

Means for Solving the Problems

[0006] One aspect of the present invention is a settlement management device that can communicate with a user terminal device operated by a user and performs card settlement using a card issued for a franchise. The settlement management device includes an acquisition unit that acquires setting information indicating any one of a settlement method based on the remaining recharge amount of electronic money, a settlement method by credit payment, or a settlement method by the sales amount of the franchise from a settlement application operating on the user terminal device, and a settlement processing unit that executes a settlement process according to the setting information when receiving a notification requesting the card settlement.

Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide a settlement management device, a settlement management method, and a program that can realize card settlement for paying the settlement amount from the sales amount of a franchise.

Brief Description of the Drawings

[0008]

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[0009] Hereinafter, with reference to the drawings, embodiments of the settlement management device, settlement management method, and program of the present invention will be described. Various devices, servers, etc. that appear below and provide services to users or perform internal analysis may be realized by a decentralized group of devices, and the operators of each device may be different. Also, the holder of the hardware of the device (provider of the cloud server) and the operator who actually operates the device may be different. The application program and the settlement management device cooperate to provide an electronic payment service. In the following description, the application program is referred to as a settlement application, and the settlement management device is referred to as a settlement server. The electronic payment service is a service that supports the settlement related to the purchase of goods and services in a store. A store is, for example, a physical store (actual store) existing in the real space, but may include a virtual store for e-commerce. The virtual store may include those provided by a subject different from the operator of the electronic payment service. In that case, when making a purchase settlement in the virtual store, it is controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, a store is, for example, treated as belonging to a franchise (brand), and processing such as settlement when a purchase action is performed in the store is mainly carried out between the user and the franchise. Instead of this, the processing such as settlement may be carried out between the user and the store.

[0010] [Electronic Payment Service] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized centering around a payment server 100. The payment server 100 communicates with, via a network NW, each of, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more credit processing terminals 55, one or more second store terminal devices 70, and a partner credit card company server 200. 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 user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, a payment application 20 is executed by a processor such as a CPU, and thus operates to provide an electronic payment service to the user in cooperation with the payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, and the like.

[0012] 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. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).

[0013] The credit processing terminal 55 is installed in the store, similar to the first store terminal device 50. The credit processing terminal 55 includes, for example, a credit settlement terminal (credit card reader) and a POS device. The credit settlement terminal reads a PIN (Personal Identification Number) from an inserted or swiped credit card (including the affiliated card 57) and compares it with the PIN entered by the user, or transmits a BIN (Bank Identification Number) code read from the credit card, etc. to the affiliated credit card company server 200 via the POS device. The POS device cooperates with the credit settlement terminal to transmit information such as the settlement amount to the affiliated credit card company server 200. An acquirer server may be interposed between the credit processing terminal 55 and the affiliated credit card company server 200. Hereinafter, for the sake of simplicity of explanation, the description of the acquirer server will be omitted. The affiliated card 57 is, for example, in a form similar to a generally popular credit card, with a communication chip embedded in the card substrate. The communication chip incorporates a storage medium storing the PIN and communicates with an external device via a contactor (or a wireless antenna). Alternatively, the affiliated card 57 may be a magnetic card.

[0014] The second store terminal device 70 is used by the operator of the franchise store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, etc. In the second store terminal device 70, an interface 72 for the franchise store operates. The interface 72 for the franchise store may be a dedicated app for the franchise store or a browser. The interface 72 for the franchise store accepts settings of coupons, etc. by the operator of the franchise store and transmits them to the settlement server 100. The second store terminal device 70, which is a smartphone, has functions such as displaying a code image corresponding to the store code image or reading the code image displayed by the user terminal device 10 by executing the dedicated app for the franchise store.

[0015] The settlement server 100 realizes electronic settlement based on the settlement information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a franchise server. In that case, the settlement information is transmitted from the POS device to the settlement server 100 via the franchise server. In the following description, without particularly distinguishing this, it is assumed that the settlement information is transmitted from the first store terminal device 50.

[0016] The partner credit card company server 200 manages partner credit card settlement, which is part of the electronic settlement service. The partner credit card company server 200 is operated, for example, by a group company (partner credit card company) of the settlement server 100. The partner credit card company may be a separate entity from an external credit card company that provides a credit card as a fund source (source of funds) for charging the charge balance.

[0017] Figures 2 and 3 are sequence diagrams illustrating a rough flow of electronic settlement. There may be two patterns, Pattern 1 and Pattern 2, in the electronic settlement.

[0018] In the case of pattern 1 shown in FIG. 2 (hereinafter referred to as user scan), the user terminal device 10 in the state where the payment application 20 is launched decodes the store code image 60 by means of an optical reading function (S1). The store code image 60 contains information on the store URL (Uniform Resource Locator). This store URL is obtained by adding information capable of identifying the store to the domain of the electronic payment service, and is associated with the franchise store ID, store ID, etc. in the payment server 100 (described later). The payment application 20 transmits 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 franchise store ID and store ID corresponding to the store URL, acquires information on the franchise store name and store name (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen where the franchise store name and store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs an electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notification (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays a payment completion screen (S9). When the store code image 60 is displayed by a display placed in the store, the store code image 60 may contain not only the store URL but also payment amount information. In this case, the procedure for the user to input the payment amount is omitted, and the payment amount information is included in the first payment information and transmitted to the payment server 100. Information on the franchise store name and store name may be included and displayed on the payment completion screen.

[0019] In the case of pattern 2 shown in FIG. 3 (hereinafter referred to as store scan), when the payment application 20 is launched, when a payment operation is performed in the payment application 20, when the automatic update timing (for example, every minute) is reached, and at other timings, the payment application 20 sends a one-time code issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends 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 shields (presents) the display surface of the user terminal device 10 to the first store terminal device 50, and the first store terminal device 50 decodes the code image by means of an optical reading function and acquires a one-time code or the like (S15). Then, the first store terminal device 50 generates payment information including a one-time code, a payment amount, a franchise store ID, a store ID, etc., and sends it to the payment server 100 (S16). The information on the payment amount has been acquired in advance by barcode reading, manual input, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs an electronic payment (S17). Then, the payment server 100 sends a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0020] Note that the electronic payment may be performed in only one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (for example, a telephone number) that can be used as the identification information of the user. Also, in the store scan, the issuance of the one-time code may be omitted, and the payment application 20 may display a code image generated based on the user's account ID. In that case, instead of identifying the user corresponding to the one-time code, the payment server 100 identifies the user corresponding to the account ID.

[0021] [Payment Server] FIG. 4 is a configuration diagram of the settlement server 100. The settlement server 100 includes, for example, a communication unit 110, a settlement content providing unit 120, a settlement processing unit 130, an information management unit 140, an acquisition unit 150, a financing processing unit 160, and a storage unit 170. The settlement content providing unit 120, the settlement processing unit 130, the information management unit 140, the acquisition unit 150, and the financing processing unit 160 are 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; 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 the cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transitory storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium on a drive device.

[0022] The storage unit 170 is an HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device accessible by the settlement server 100 via a network. Information such as user information 172, settlement content information 174, franchise / store information 176, and card information 178 is stored in the storage unit 170.

[0023] 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.

[0024] The settlement content providing unit 120 has, for example, the function of a web server and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The settlement content providing unit 120 appropriately reads necessary content from the settlement content information 174 and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user in a state where the content is reproduced by the payment application 20, and transmits the above-mentioned settlement information and the like to the payment server 100.

[0025] The settlement processing unit 130 performs settlement processing based on the settlement information transmitted by the user terminal device 10 or the first store terminal device 50. The settlement processing unit 130 performs settlement processing while referring to the user information 172.

[0026] FIG. 5 is a diagram showing an example of the content of the user information 172. The user information 172 is an example of the user's registration information. The user information 172 includes, for example, a user URL, an account ID, a phone number, a password, as well as an email address, a user ID, name, address, date of birth, registration date, remaining recharge amount, credit payment setting, terminal payment method, card payment method, affiliated card number, wallet number, bank account, credit card number, recharge history information, and terminal payment history information, etc., which are associated with each other. The user URL is used for money transfer processing between users. When newly registering for the electronic payment service, registration of a phone number and a password is required. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can optionally set (it is not necessary to set it). Similarly, the email address, and the name, address, and date of birth are also information that the user can optionally set (it is not necessary to set it). The registration date is the date when the user registered for the electronic payment service (the date when the account was created). Hereinafter, an instance (electronic payment account) of the user in which these pieces of information are associated with each other is referred to as an account.

[0027] The remaining balance of the charge indicates information about the remaining balance of the electronic money set by the user by remitting money to the account in advance. As means of remittance, there are remittances from the ATM (Automatic Teller Machine) of the designated business operator (bank), remittances from the registered bank account, etc. The credit payment setting is information indicating whether the setting for electronic settlement by credit payment has been completed or not, and is set to either "completed" or "not completed". The credit payment setting is flag information common to "terminal settlement" and "card settlement" described later. Users who can use credit payment for terminal settlement are users to whom the affiliated card 57 has been handed over. Note that instead of this, the credit payment setting may be setting information separately set for "terminal settlement" and "card settlement". The terminal settlement method is setting information indicating whether the user makes an electronic settlement using the remaining balance of the charge, makes a settlement by credit payment, or makes a settlement using the sales amount of the affiliated store in "terminal settlement". The card settlement method is setting information indicating whether the user makes an electronic settlement using the remaining balance of the charge, makes a settlement by credit payment, or makes a settlement using the sales amount of the affiliated store in "card settlement". Real-time synchronization is performed with the affiliated credit card company server 200 for the card settlement method. The affiliated card number is the number of the affiliated card 57 (for example, PAN (Primary Account Number)). The wallet number is a number for identifying the wallet assigned to the user among the multiple wallets linked to the affiliated card 57. Each of the bank account and the credit card number is information (account number, card number) of a bank account or a credit card number that can receive payments for the electronic payment service. This credit card number is the number of a credit card different from the affiliated card 57. The charge history information is the history of the user increasing the remaining balance of the charge by remitting money to the electronic payment service in advance. The terminal settlement history information is information showing the breakdown of the terminal settlements made by the user (date and time, store ID of the store where the purchase action was taken, settlement amount, settlement method, etc.) for each settlement.

[0028] FIG. 6 is a diagram showing an example of the content 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 the affiliated store ID, and a third table 176C in which a store name is associated with the store ID. In addition to these pieces of information, the affiliated store / store information 176 may include information such as the category of the affiliated store or store, the location of the store, and the settlement pattern. The above-mentioned affiliated store name may be, for example, information registered by the affiliated store or information registered by the administrator of the electronic payment service. The above-mentioned affiliated store name and store name may be managed integrally. 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 the affiliated store or other detailed information of the affiliated store may be associated with the affiliated store ID or the store ID.

[0029] FIG. 7 is a diagram showing an example of the content of card information 178. The card information 178 includes, for example, an affiliated card number, a franchise store ID, a wallet number, a display name, a credit payment limit, a credit payment amount used, an available credit payment amount, and card settlement history information. The affiliated card number is the number (e.g., PAN) of the affiliated card 57 and is the same information as the affiliated card number included in the user information 172 in FIG. 5. The franchise store ID is identification information for identifying a franchise store and is the same information as the franchise store ID included in the franchise store / store information 176 in FIG. 6. The wallet number is a number for identifying a wallet and is the same information as the wallet number included in the user information 172 in FIG. 5. As shown in FIG. 7, a plurality of wallets are associated with one affiliated card 57. The display name is a name used when displaying the wallet. The display name is information that can be freely set by the user. For example, the display name may be information indicating an employee who uses the wallet (for employee A, for employee B, for employee C, etc.) or information indicating the use of the wallet (for procurement, for miscellaneous expenses, for public charges, etc.). The credit payment limit is the limit of credit payment available per month. The credit payment amount used is the amount of credit payment already used in the current month. The available credit payment amount is the amount of credit payment available in the current month, which is obtained by subtracting the credit payment amount used from the credit payment limit. The card settlement history information is information showing the breakdown (date and time, store ID of the store where the purchase action was taken, settlement amount, settlement method, etc.) of the card settlements made by the user for each card settlement.

[0030] Note that the information management unit 140 may set the credit payment limit for each of the plurality of wallets based on the history of the past sales amount of the franchise store. Thereby, the credit payment limit can be appropriately determined, and the risk of bad debt can be reduced.

[0031] The information management department 140 acquires information provided by other server devices and terminal devices. Based on the information acquired from the user terminal device 10, the second store terminal device 70, and the affiliated credit card company server 200, the information management department 140 manages user information 172, franchise / store information 176, and card information 178. The information management department 140 performs operations such as adding, editing, and deleting new records for the user information 172, franchise / store information 176, and card information 178.

[0032] Note that the affiliated card 57 is a card issued for franchise stores and can be used by employees of the franchise stores, etc. For example, employees of the franchise stores, etc. can use the affiliated card 57 for paying various expenses at the franchise stores. The affiliated card 57 issued for franchise stores may be a physical card or a virtual card without a physical card. When the affiliated card 57 is a virtual card, it can be used for online shopping. The card information (such as the affiliated card number) of the affiliated card 57 can be confirmed from the screen of the payment application 20.

[0033] The information management department 140 manages information regarding a plurality of wallets associated with the affiliated card 57 issued for franchise stores. Also, the information management department 140 may manage information regarding a plurality of wallets separately by usage. Thereby, a plurality of wallets for each usage, such as for purchasing, miscellaneous expenses, and public charges, can be associated with the affiliated card 57. Thereby, wallets corresponding to the employees' duties can be assigned to the employees of the franchise stores.

[0034] Also, the information management department 140 may manage information regarding a plurality of wallets separately by each employee of the franchise store. Thereby, a plurality of wallets for each employee of the franchise store, such as for employee A, employee B, employee C, etc., can be associated with the affiliated card 57. Thereby, a wallet can be assigned to each of the employees of the franchise store.

[0035] Next, terminal payment and card payment will be described. FIG. 8 is a diagram conceptually showing the respective processes of terminal payment and card payment. As described below, the electronic payment service can perform six patterns of electronic payment: (1) payment by terminal payment / charge balance, (2) payment by terminal payment / credit payment, (3) payment by terminal payment / sales amount, (4) payment by card payment / charge balance, (5) payment by card payment / credit payment, and (6) payment by card payment / sales amount.

[0036] [Terminal Payment] (1) When the settlement server 100 (settlement processing unit 130) acquires settlement information from the user terminal device 10 or the first store terminal device 50, terminal payment is started. The settlement server 100 refers to the user information 172 to acquire the "terminal payment method" of the user. For users whose "terminal payment method" is set to "charge balance", the settlement server 100 performs electronic payment by its own processing. In this case, the settlement processing unit 130 subtracts the settlement amount from the charge balance managed in association with the user's account ID, and adds the settlement amount to the item value of the sales amount of the franchise in the second table 176B of the franchise / store information 176 to perform electronic payment. The item value of the sales amount of the franchise is not used as electronic money itself, for example, and the amount corresponding to the item value of the sales amount is transferred to the bank account in a cycle according to the agreement between the franchise and the electronic payment service.

[0037] (2) In terminal payment, for users whose "terminal payment method" is set to "credit payment", the settlement server 100 transfers the settlement information together with the affiliated card number of the user obtained by referring to the user information 172 to the affiliated credit card company server 200. The affiliated credit card company server 200 checks whether the cumulative settlement amount indicated by the settlement information exceeds the monthly limit. If it does not exceed the limit, it performs processes such as adding the obtained settlement amount to the cumulative settlement amount of the user. The cumulative settlement amount is settled, for example, by a lump sum for one month and a debit from the bank account on the payment date of the following month.

[0038] (3) In terminal settlement, for a user whose "terminal settlement method" is set to "sales amount", the settlement server 100 performs electronic settlement through its own processing. In this case, the settlement processing unit 130 acquires the affiliated card number associated with the user's account ID from the user information 172, and acquires the affiliated store ID corresponding to the acquired affiliated card number from the card information 178. The settlement processing unit 130 identifies the affiliated store based on the acquired affiliated store ID. Also, the settlement processing unit 130 performs electronic settlement by subtracting the settlement amount from the item value of the sales amount of the identified affiliated store in the second table 176B of the affiliated store / store information 176. In this case, since electronic settlement can be performed using the sales amount without waiting for the sales amount of the affiliated store to be transferred to the bank account of the affiliated store, it is a convenient function for the user.

[0039] [Card Settlement] (4) When the affiliated credit card company server 200 acquires settlement information from the credit processing terminal 55, electronic settlement (card settlement) using the affiliated card 57 is started. The affiliated credit card company server 200 refers to the card settlement setting information 210 stored in a storage unit (not shown). FIG. 9 is a diagram showing an example of the content of the card settlement setting information 210. The card settlement setting information 210 includes an affiliated card number, a card settlement method, and an account ID. The card settlement method and the account ID are the same information as those included in the user information 172 in FIG. 5, and are synchronized and linked with the settlement server 100. For a user whose "card settlement method" is set to "charge balance", the affiliated credit card company server 200 transfers the settlement information to the settlement server 100 together with the account ID of the user obtained by referring to the card settlement setting information 210. The settlement server 100 performs the same processing as in the case where the "terminal settlement method" is set to "charge balance" in terminal settlement based on the acquired settlement information.

[0040] (5) In card payment, for users whose "card payment method" is set to "credit payment", the affiliated credit card company server 200 performs electronic payment by its own process. In this case, the affiliated credit card company server 200 performs the same process as when the "terminal payment method" is set to "credit payment" in terminal payment.

[0041] (6) In card payment, for users whose "card payment method" is set to "sales amount", the affiliated credit card company server 200 transfers the payment information to the payment server 100 together with the user's account ID obtained by referring to the card payment setting information 210. The payment server 100 performs the same process as when the "terminal payment method" is set to "sales amount" in terminal payment based on the obtained payment information.

[0042] When card payment is made with the sales amount, it is beneficial for the affiliated store in that the sales amount from the sale of goods can be used for card payment immediately after the goods are sold at the affiliated store. For example, when cookies are sold at an affiliated store, when a customer purchases cookies and the sales amount of the cookies is added to the sales amount, a card payment can be made to purchase materials (such as wheat, butter, sugar, etc.) for making cookies without waiting for the sales amount to be transferred to the affiliated store's bank account. In this way, the convenience for users can be improved in that the sales amount can be immediately used for card payment.

[0043] The switching of "charge balance", "credit payment", and "sales amount" in each of "terminal payment" and "card payment" is performed according to the user's operation on the payment application 20. The payment application 20 separately provides the user with an interface screen for selecting any one of the payment methods ("charge balance", "credit payment", or "sales amount" (or other payment methods)) in "terminal payment" and an interface screen for selecting any one of the payment methods ("charge balance", "credit payment", or "sales amount" (or other payment methods)) in "card payment".

[0044] [Settlement app screen] FIG. 10 is a diagram showing an example of the home screen of the settlement app 20. As shown in FIG. 10, the home screen of the settlement app 20 includes an area A1, an area A2, an area A3, and a button B1.

[0045] Card information of the partnered card 57 is displayed in the area A1. In the example shown in FIG. 10, information such as the display name (for Employee A) of the partnered card 57, the partnered card number, the wallet number, the settlement method, and the expiration date is displayed in the area A1. By checking the area A1 on the home screen, the user can grasp the card information of the partnered card 57.

[0046] Also, the user may hold a plurality of partnered cards 57, and may switch the partnered card 57 used for the electronic settlement of the electronic payment service from the home screen of FIG. 10. For example, when the user swipes the area A1 left or right, the partnered card 57 used for the electronic settlement of the electronic payment service can be switched. For example, when the user swipes the area A1 to the right, the settlement app 20 switches to the partnered card 57 for "miscellaneous expenses". Also, when the user swipes the area A1 to the left, the settlement app 20 switches to the partnered card 57 for "procurement". Thereby, the user can easily switch the partnered card 57 used for the electronic settlement of the electronic payment service.

[0047] Icons for instructing main operations in terminal settlement such as scan, transfer, points, usage history, and credit card are displayed in the area A2.

[0048] In area A3, various icons for launching various mini-apps executable on the payment app 20 are displayed. Specifically, 12 icons are displayed in area A3. When the user selects (taps) one of these icons, the payment app 20 launches the mini-app corresponding to the selected (tapped) icon. For example, when the user selects (taps) the "partner card" icon, a payment history screen for electronic payment using the partner card 57 or the like will be displayed on the display unit of the user terminal device 10.

[0049] Button B1 is a button for instructing the display of the payment screen. When the user selects (taps) button B1, the payment screen is displayed. Code information such as barcodes and QR codes (registered trademarks) used for terminal payment is displayed on the payment screen.

[0050] Note that the home screen of the payment app 20 is not limited to the screen shown in FIG. 10. For example, by the user swiping area A1 left and right, the remaining recharge amount of the electronic money and the credit payment as payment methods may be switched. Also, in a state where the recharge balance or credit payment is selected by swiping, by turning on a toggle button (not shown) displayed in area A1, settlement by sales amount may be set. Further, when the recharge balance is selected as the payment method and the toggle button is on, the settlement processing unit 130 may perform immediate settlement using the sales amount. On the other hand, when credit payment is selected as the payment method and the toggle button is on, the settlement processing unit 130 may secure a credit limit for credit payment with the sales amount. Note that when the amount of the sales amount is less than the settlement amount, the fund procurement processing unit 160 may perform the fund procurement processing described later to replenish the user's funds. Also, although the payment method is to be selected in the payment app 20, it may be selected in the interface 72 for franchise stores. For example, the payment method may be master-set in the interface 72 for franchise stores so that the payment app 20 can select a payment method according to this setting.

[0051] [Sequence Diagram] Figure 11 is a sequence diagram showing the flow of the payment method setting process. First, the payment app 20 prompts the user to select a card payment method (S101). For example, when the user selects (taps) area A1 on the home screen of Figure 10, the payment app 20 may display a payment method selection screen that allows the user to select a card payment method for the affiliated card 57 displayed in area A1. Also, the payment app 20 may display "charge balance", "credit payment", and "sales amount" on the payment method selection screen as options for the card payment method.

[0052] When the user selects a card payment method, the payment app 20 sends the selected card payment method to the payment server 100 (S102). Here, the payment app 20 also sends the affiliated card number of the affiliated card 57 together with the card payment method. Note that the selected card payment method is information indicating a payment method by charge balance, a payment method by credit payment, or a payment method by sales amount.

[0053] Based on the card payment method and the affiliated card number received from the payment app 20, the information management unit 140 of the payment server 100 updates the user information 172 (S103). Specifically, the information management unit 140 writes the card payment method ( "charge balance", "credit payment", or "sales amount") received from the payment app 20 to the item of the card payment method corresponding to the affiliated card number received from the payment app 20 in the user information 172. After that, the information management unit 140 controls the communication unit 110 to send the card payment method to the affiliated credit card company server 200 (S104). Here, the information management unit 140 also sends the affiliated card number of the affiliated card 57 together with the card payment method.

[0054] The affiliated credit card company server 200 updates the card payment setting information 210 based on the card payment method and the affiliated card number received from the payment server 100 (S105). Specifically, the affiliated credit card company server 200 writes the card payment method ( "charge balance", "credit payment", or "sales amount") received from the payment server 100 to the item of the card payment method corresponding to the affiliated card number received from the payment server 100 in the card payment setting information 210. Through the above processing, real-time synchronization of the card payment method is achieved between the payment server 100 and the affiliated credit card company server 200.

[0055] FIG. 12 is a sequence diagram showing the flow of payment processing using the charge balance payment method. This sequence diagram shows the flow of processing when a user purchases a product at a store.

[0056] First, the credit processing terminal 55 reads the affiliated card 57 owned by the user using a credit card reader (S201). Thereby, the credit processing terminal 55 acquires the card information (such as the affiliated card number) of the affiliated card 57. Thereafter, the credit processing terminal 55 transmits the card information of the affiliated card 57 to the first store terminal device 50 (S202).

[0057] Next, the first store terminal device 50 generates payment information including at least the payment amount of the product, and transmits the generated payment information to the affiliated credit card company server 200 (S203). At this time, the first store terminal device 50 also transmits the affiliated card number of the affiliated card 57 to the affiliated credit card company server 200 as information for identifying the user's affiliated card 57.

[0058] Next, the partner credit card company server 200 reads the card payment setting information 210 based on the partner card number of the partner card 57 received from the first store terminal device 50 (S204). At this time, the partner credit card company server 200 acquires the card payment method associated with the partner card number of the partner card 57 received from the first store terminal device 50 from the card payment setting information 210. Here, it is assumed that the card payment method acquired from the card payment setting information 210 is "charge balance".

[0059] When the card payment method acquired from the card payment setting information 210 is "charge balance", the partner credit card company server 200 transmits the payment information including at least the payment amount of the product to the payment server 100 (S205). At this time, the partner credit card company server 200 acquires the user's account ID from the card payment setting information 210 and also transmits the acquired user's account ID to the payment server 100.

[0060] Next, the payment server 100 performs payment processing based on the payment information received from the partner credit card company server 200 (S206). Specifically, the payment processing unit 130 of the payment server 100 acquires the card payment method associated with the user's account ID from the user information 172. Here, since the card payment information is "charge balance", the payment processing unit 130 performs payment processing based on the charge balance. Specifically, the payment processing unit 130 subtracts the payment amount included in the payment information from the charge balance of the user corresponding to the user's account ID in the user information 172.

[0061] In addition, the payment server 100 updates the card information 178 (S207). Specifically, the payment processing unit 130 acquires the affiliated card number and wallet number linked to the user's account ID from the user information 172. Further, in the card information 178, the payment processing unit 130 adds information regarding the current card payment (date and time when the payment processing was performed, store ID of the store where the purchase behavior was performed, payment amount, payment method, etc.) to the card payment history information linked to the affiliated card number and wallet number acquired from the user information 172.

[0062] After that, the payment server 100 transmits a payment completion notice notifying that the payment processing has been completed to the affiliated credit card company server 200 and the first store terminal device 50 (S208, S209).

[0063] FIG. 13 is a sequence diagram showing the flow of payment processing in the payment method by credit payment. This sequence diagram shows the flow of processing when a user purchases a product at a store. Note that since the processing of S301 to S303 in FIG. 13 is the same as the processing of S201 to S203 in FIG. 12, the description thereof is omitted.

[0064] When the affiliated credit card company server 200 receives the payment information from the first store terminal device 50, it reads out the card payment setting information 210 based on the affiliated card number of the affiliated card 57 received from the first store terminal device 50 (S304). At this time, the affiliated credit card company server 200 acquires the card payment method associated with the affiliated card number of the affiliated card 57 received from the first store terminal device 50 from the card payment setting information 210. Here, it is assumed that the card payment method acquired from the card payment setting information 210 is "credit payment".

[0065] When the card payment method obtained from the card payment setting information 210 is "credit payment", the affiliated credit card company server 200 executes payment processing by credit payment based on the payment information received from the first store terminal device 50 (S305). For example, the affiliated credit card company server 200 checks whether the cumulative payment amount indicated by the payment information exceeds the monthly upper limit, and if it does not exceed the upper limit, performs processing such as adding the obtained payment amount to the cumulative payment amount of the user. The cumulative payment amount is settled, for example, by being withdrawn from the bank account on the payment date of the next month in a lump sum for one month.

[0066] Next, the affiliated credit card company server 200 transmits a payment completion notice notifying that the payment processing has been completed to the first store terminal device 50 and the payment server 100 (S306, S307). At this time, the affiliated credit card company server 200 also transmits the user's account ID and information regarding the current card payment (date and time when the payment processing was performed, store ID of the store where the purchase action was performed, payment amount, payment method, etc.) to the first store terminal device 50 and the payment server 100.

[0067] After that, the payment server 100 updates the card information 178 (S308). Specifically, the payment processing unit 130 obtains the affiliated card number and wallet number associated with the user's account ID received from the affiliated credit card company server 200 from the user information 172. In addition, the payment processing unit 130 adds information regarding the current card payment (date and time when the payment processing was performed, store ID of the store where the purchase action was performed, payment amount, payment method, etc.) to the card payment history information associated with the affiliated card number and wallet number obtained from the user information 172 in the card information 178.

[0068] FIG. 14 is a sequence diagram showing the flow of payment processing in the payment method by sales amount. This sequence diagram shows the flow of processing when a user purchases a product at a store. Note that the processing of S401 to S403 in FIG. 14 is the same as the processing of S201 to S203 in FIG. 12, so the description thereof is omitted.

[0069] When the affiliated credit card company server 200 receives settlement information from the first store terminal device 50, it reads out card settlement setting information 210 based on the affiliated card number of the affiliated card 57 received from the first store terminal device 50 (S404). At this time, the affiliated credit card company server 200 acquires the card settlement method associated with the affiliated card number of the affiliated card 57 received from the first store terminal device 50 from the card settlement setting information 210. Here, it is assumed that the card settlement method acquired from the card settlement setting information 210 is "sales amount".

[0070] When the card settlement method acquired from the card settlement setting information 210 is "sales amount", the affiliated credit card company server 200 transmits settlement information including at least the settlement amount of the product to the settlement server 100 (S405). At this time, the affiliated credit card company server 200 acquires the user's account ID from the card settlement setting information 210 and also transmits the acquired user's account ID to the settlement server 100.

[0071] Next, the settlement server 100 performs settlement processing based on the settlement information received from the affiliated credit card company server 200 (S406). Specifically, the settlement processing unit 130 of the settlement server 100 acquires the card settlement method associated with the user's account ID from the user information 172. Here, since the card settlement information is "sales amount", the settlement processing unit 130 performs settlement processing based on the sales amount. Specifically, the settlement processing unit 130 acquires the affiliated card number associated with the user's account ID from the user information 172, and acquires the affiliated store ID corresponding to the acquired affiliated card number from the card information 178. The settlement processing unit 130 identifies the affiliated store based on the acquired affiliated store ID. Also, the settlement processing unit 130 subtracts the settlement amount included in the settlement information from the item value of the sales amount of the identified affiliated store in the second table 176B of the affiliated store / store information 176.

[0072] In addition, the payment server 100 updates the card information 178 (S407). Specifically, the payment processing unit 130 acquires the affiliated card number and wallet number associated with the user's account ID from the user information 172. Further, the payment processing unit 130 adds information regarding the current card payment (date and time when the payment processing was performed, store ID of the store where the purchase action was performed, payment amount, payment method, etc.) to the card payment history information associated with the affiliated card number and wallet number acquired from the user information 172 in the card information 178.

[0073] After that, the payment server 100 transmits a payment completion notice notifying that the payment processing has been completed to the affiliated credit card company server 200 and the first store terminal device 50 (S408, S409).

[0074] In this way, when the setting information of the card payment method indicates the payment method based on the sales amount of the franchise store, the payment processing unit 130 of the payment server 100 executes the payment processing by subtracting the payment amount of the card payment from the sales amount of the franchise store managed by the payment server 100 without waiting for the sales amount of the franchise store to be transferred to the bank account of the franchise store. As a result, the sales amount of the franchise store can be immediately used for card payment, and the convenience for the user can be improved.

[0075] [Fundraising process] Next, the fundraising process will be described. The fundraising process is a process in which an electronic payment service provider pays the purchase consideration for future accounts receivable purchased from a franchise store in response to a request from the franchise store. In the fundraising process in this embodiment, instead of transferring the purchase consideration to the bank account of the franchise store, an amount corresponding to the purchase consideration is added to the sales amount of the franchise store. By adding an amount corresponding to the purchase consideration to the sales amount, the amount of the sales amount available for card payment increases, so that the user can be encouraged to use card payment.

[0076] First, when an employee of a franchise store applies for financing from the screen of the settlement app 20, the settlement app 20 sends a notice requesting financing to the settlement server 100. When the financing processing unit 160 receives a notice requesting financing from the settlement app 20, it adds an amount corresponding to the purchase price of future accounts receivable to be purchased from the franchise store to the franchise store's sales amount. Specifically, the financing processing unit 160 adds an amount corresponding to the purchase price to the item value of the franchise store's sales amount in the second table 176B of the franchise store / store information 176.

[0077] The financing processing unit 160 may determine the upper limit amount of the purchase price of future accounts receivable based on the history of the franchise store's past sales amount. As a result, the upper limit amount of the purchase price can be appropriately determined, so the risk of bad debts such as financing and loans can be reduced.

[0078] In addition, when adding an amount corresponding to the purchase price to the franchise store's sales amount, the financing processing unit 160 may set the fee charged to the franchise store lower than the fee charged to the franchise store when transferring the purchase price to the franchise store's bank account. As a result, the use of financing that adds an amount corresponding to the purchase price to the franchise store's sales amount can be promoted, and the convenience for users can be improved.

[0079] As described above, the settlement server 100 of the present embodiment can communicate with the user terminal device 10 operated by the user and perform card settlement using the cooperative card 57 issued for franchise stores. The settlement server 100 includes an acquisition unit 150 and a settlement processing unit 130. The acquisition unit 150 acquires setting information indicating any one of a settlement method based on the balance of electronic money recharge, a settlement method by credit payment, or a settlement method by the sales amount of the franchise store from the settlement app 20 operating on the user terminal device 10. When receiving a notice requesting card settlement, the settlement processing unit 130 executes settlement processing according to the setting information. As a result, the settlement server 100 of the present embodiment can realize card settlement for paying the settlement amount from the sales amount of the franchise store.

[0080] In the above description, the settlement server 100 is described as an example of the settlement management device, and it is assumed that the settlement server 100 and the partner credit card company server 200 are separate servers. However, this is not the only case. For example, when the electronic payment service provider and the partner credit card company are the same company or affiliated companies, one integrated server combining the settlement server 100 and the card company server 200 may be provided as the settlement management device.

[0081] Also, in the above description, the partner card 57 is assumed to be a hybrid card that can be used for credit payments and charge balance payments. However, this is not the only case. For example, the partner card 57 may be a hybrid card that further includes debit payments. In this case, the credit processing terminal 55 may read the user's bank account information (bank code, branch number, account number, etc.) from the partner card 57 and transmit the user's bank account information and settlement information (settlement amount, etc.) to a bank server (not shown). Also, the bank server may perform settlement processing by deducting the settlement amount from the user's account based on the user's bank account information and settlement information. Note that debit payment may be set as the terminal settlement method in the user information 172 of FIG. 5. Also, in the user information 172, either "completed" or "uncompleted" may be set as the debit payment setting. Also, immediately after a product is sold at a franchise store, the sales amount from the sale of the product may be made available for card settlement by debit payment.

[0082] Also, a plurality of partner cards 57 may be issued for franchise stores. When a plurality of partner cards 57 are issued for franchise stores, the information management unit 140 may manage card information regarding the plurality of partner cards 57 in association with the franchise stores. As a result, the franchise store can hold a plurality of partner cards 57.

[0083] When the settlement processing unit 130 receives a notice requesting a card settlement for a bill with a pre-determined payment date, it may execute a settlement process by a credit payment settlement method. The bill with a pre-determined payment date may be, for example, a public utility bill such as an electricity bill, a gas bill, or a water bill. Accordingly, the payment of the billed amount of the bill can be made in a lump sum on the credit payment date.

[0084] Also, when the settlement processing unit 130 receives a notice requesting a card settlement for the subscription billed amount, it may execute a settlement process according to the setting information. A subscription is content or a service for which a fee is paid regularly in units of a predetermined period (for example, monthly). For example, the user may use the settlement app 20 to check the subscription billed amount and select a card settlement method from the screen of the settlement app 20. Thereafter, the settlement app 20 may transmit settlement information including the selected card settlement method and the subscription billed amount to the settlement server 100. Thereafter, the settlement server 100 may perform a settlement process for the subscription billed amount by the card settlement method received from the settlement app 20. Accordingly, the settlement server 100 of the present embodiment can perform the subscription settlement process by the card settlement method desired by the user.

[0085] In addition, the partnership card 57 may be a physical card having the same configuration as those referred to as credit cards, debit cards, prepaid cards, etc. Specifically, the partnership card 57 may be a physical card in which a contactor for performing contact communication or an antenna for performing non-contact communication and an IC chip are held by a card base material. An example of a communication chip is the combination of the contactor or antenna and the IC chip. The IC chip may include a communication control device, a storage device, a control device that performs processing according to a received command and returns a response, and the like. In the storage device of the IC chip, in addition to the account ID and the card number, a password, key information used for mutual authentication with the payment server 100, and the like may be stored. In this case, the credit processing terminal 55 may read information from the user's physical card, and the payment server 100 may perform payment processing and withdrawal processing based on the information read from the user's physical card.

[0086] As described above, the embodiments for implementing the present invention have been described using the embodiments. However, the present invention is not limited to such embodiments, and various modifications and substitutions can be made without departing from the gist of the present invention.

Explanation of Reference Numerals

[0087] 10 User terminal device 20 Payment application 50 First store terminal device 100 Payment server 110 Communication unit 120 Payment content providing unit 130 Payment processing unit 140 Information management unit 150 Acquisition unit 160 Fundraising processing unit 170 Storage unit 172 User information 176 Franchise / store information 178 Card information 178 200 Card company server 210 Card payment setting information

Claims

1. A settlement management device that can communicate with a user terminal device operated by a user and performs card settlement using a card issued for a franchise, comprising: An acquisition unit that acquires, from a settlement application operating on the user terminal device, a card settlement method indicating any one of a settlement method based on the remaining recharge amount of electronic money, a settlement method by credit payment, or a settlement method by the sales amount of the franchise, and a card number for identifying the card; An information management unit that manages the card settlement method, the card number, user information in which the account identification information for identifying the user's account in the electronic payment service is associated, and franchise information storing information related to the sales amount of the franchise; A settlement processing unit that, when receiving settlement information including a settlement amount and the account identification information at the time of settlement, acquires the card settlement method associated with the received account identification information from the user information, and executes a settlement process according to the acquired card settlement method; Comprising; The settlement method by the sales amount of the franchise is a settlement method performed by subtracting the settlement amount from the item value of the sales amount of the franchise stored in the franchise information. Settlement management device.

2. When the card settlement method indicates the settlement method by the sales amount of the franchise, the settlement processing unit executes the settlement process by subtracting the settlement amount from the item value of the sales amount of the franchise stored in the franchise information without waiting for the sales amount of the franchise to be transferred to the bank account of the franchise. The settlement management device according to Claim 1.

3. The card issued for the franchise is a physical card or a virtual card without the existence of a physical card. The settlement management device according to Claim 1.

4. When receiving a notice requesting financing from the settlement application, it further comprises a financing processing unit that adds an amount corresponding to the purchase price of future accounts receivable to be purchased from the franchise to the item value of the sales amount of the franchise stored in the franchise information. The settlement management device according to Claim 1.

5. When adding the amount corresponding to the purchase price to the item value of the sales amount of the franchise stored in the franchise information, the financing processing unit charges the franchise a lower fee than the fee charged to the franchise when transferring the purchase price to the bank account of the franchise. The settlement management device according to Claim 4.

6. The fund-raising processing unit determines the upper limit amount of the purchase consideration based on the history of the past sales amount of the franchise store. The settlement management device according to claim 4.

7. The information management unit further manages card information in which the card number is associated with a plurality of wallet numbers for identifying each of the plurality of wallets linked to the card issued for the franchise store, and further manages, in the user information, the wallet number for identifying the wallet assigned to the user in an associated manner. The settlement management device according to claim 1.

8. The information management unit manages information regarding the plurality of wallets separately by use in the card information. The settlement management device according to claim 7.

9. The information management unit manages information regarding the plurality of wallets separately by employee of the franchise store in the card information. The settlement management device according to claim 7.

10. The information management unit sets a credit payment limit amount for each of the plurality of wallets based on the history of the past sales amount of the franchise store in the card information. The settlement management device according to claim 7.

11. When the settlement processing unit receives a notice requesting the card settlement for an invoice with a predetermined payment date, the settlement processing unit executes the settlement processing by a settlement method using credit payment. The settlement management device according to claim 1.

12. When the settlement processing unit receives a notice requesting the card settlement for the subscription billing amount, the settlement processing unit executes the settlement processing according to the card settlement method. The settlement management device according to claim 1.

13. A settlement management device that can communicate with a user terminal device operated by a user and performs card settlement using a card issued for a franchise store acquires from a settlement application operating on the user terminal device a card settlement method indicating any one of a settlement method using the remaining recharge amount of electronic money, a settlement method using credit payment, or a settlement method using the sales amount of the franchise store, and a card number for identifying the card, manages the card settlement method, the card number, user information in which the account identification information for identifying the user's account in the electronic payment service is associated, and franchise store information storing information regarding the sales amount of the franchise store. When receiving settlement information including a settlement amount and the account identification information at the time of settlement, obtain the card settlement method associated with the received account identification information from the user information, and execute a settlement process according to the obtained card settlement method. The settlement method using the sales amount of the franchise store is a settlement method performed by subtracting the settlement amount from the item value of the sales amount of the franchise store stored in the franchise store information. Settlement management method.

14. In a settlement management device that can communicate with a user terminal device operated by a user and performs card settlement using a card issued for a franchise store, Cause the settlement application operating on the user terminal device to obtain a card settlement method indicating any one of a settlement method using the remaining recharge amount of electronic money, a settlement method by credit payment, or a settlement method using the sales amount of the franchise store, and a card number for identifying the card. Manage the user information in which the card settlement method, the card number, and account identification information for identifying the user's account in the electronic payment service are associated, and the franchise store information storing information regarding the sales amount of the franchise store. When receiving settlement information including a settlement amount and the account identification information at the time of settlement, obtain the card settlement method associated with the received account identification information from the user information, and execute a settlement process according to the obtained card settlement method. The settlement method using the sales amount of the franchise store is a settlement method performed by subtracting the settlement amount from the item value of the sales amount of the franchise store stored in the franchise store information. Program.

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