PROGRAM, INFORMATION PROCESSING APPARATUS AND INFORMATION PROCESSING METHOD

Abstract

To reduce the possibility of becoming impossible settlement due to a balance shortage of an account in transaction settlement.SOLUTION: A settlement method of a transaction between a first dealer and a second dealer makes a server device receive a request for validity confirmation of settlement means associated with a first dealer account from a first dealer device or a second dealer device S12, perform the validity confirmation of the settlement means on the basis of the request S13, instruct a first institution device for managing the first dealer account to transfer a secured amount from the first dealer account to a management account on the basis of a result of the validity confirmation S14, receive a determination notification notifying that a settlement amount of settlement is determined from the first dealer device or the second dealer device S22, calculate a difference between the secured amount and the determined settlement amount on the basis of the determination notification S23, execute adjustment processing of the difference, and instruct the management institution device to transfer the settlement amount from the management account to the second dealer account of the second dealer.SELECTED DRAWING: Figure 4

Description

[Technical Field]

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

[0002] Traditionally, when making payments for transactions, such as debit card services, the transaction was linked to the transaction's account. There is technology for a service that uses a payment method to directly debit the payment amount from this account. In such services, payment methods such as debit cards are used. A request for validity confirmation (so-called authorization) is sent from the device of the transaction partner's store, etc. The system allows the settlement amount to be immediately deducted from the trader's account. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-111177 Summary of the Invention [Problem to be solved by the invention]

[0004] However, depending on the transaction, the validity of the payment method linked to the transactor's account may be verified. It takes time for the settlement amount to be finalized, and the details of the transaction may change during that time. There are cases where it is not appropriate to immediately debit the settlement amount from the trader's account after validation. However, if the withdrawal is not made immediately in such a case, Insufficient balance due to another payment being debited before the payment amount is finalized However, there is a possibility that payments may no longer be possible using the payment methods linked to this account. There is.

[0005] Therefore, in order to solve the above problem, the present invention provides a method for preventing a transaction from being made due to an insufficient balance in an account. To provide a program, an information processing device, and an information processing method that can reduce the possibility of The purpose is to: [Means for solving the problem]

[0006] A program according to one aspect of the present invention includes a program for causing a computer to execute a transaction between a first trader and a second trader. In the settlement of the first trader's first trader device or the second trader's second trader device, , and accepts a request to verify the validity of the payment instrument linked to the first trader's first trader account. A confirmation acceptance function, a confirmation function that confirms the validity of the payment method based on the request, and a validity confirmation function Based on the result of the above, a first transaction is made to a first institution device of a first institution that manages the first trader's account. A function for instructing the transfer of the secured amount from the borrower's account to the management account, and a function for instructing the transfer of the secured amount from the first transaction device to the management account or receives a confirmation notice from the second transactor device notifying that the settlement amount of the settlement has been confirmed. Calculate the difference between the secured amount and the final settlement amount based on the notification reception function and the final settlement notification The calculation function, the settlement function that executes the settlement process for the difference settlement, and the management function that manages the managed account the settlement amount from the management account to the second trader's account at the management institution's management institution device; and a payment instruction function that instructs the movement of the payment.

[0007] An information processing device according to one aspect of the present invention is a device for processing a transaction between a first trader and a second trader. , from the first trader's first trader device or the second trader's second trader device, a confirmation receiving unit that receives a request to confirm the validity of a payment method linked to the first trader's account; a verification unit that verifies the validity of the payment method based on the request; and The first institution's first institution device that manages the first trader's account receives a transfer from the first trader's account to the management account. a securing instruction unit that instructs the transfer of the secured amount to the account, and a a notification receiving unit that receives a confirmation notification that notifies the user that the payment amount of the payment has been confirmed; A calculation unit calculates the difference between the secured amount and the confirmed settlement amount based on the information, and a calculation unit calculates the difference a settlement unit that executes settlement processing related to the management institution device that manages the managed account; a payment instruction unit that instructs the transfer of the settlement amount from the management account to the second trader's second trader account by issuing a payment instruction to the second trader. And, it is equipped with.

[0008] An information processing method according to one aspect of the present invention includes: In the settlement of a transaction, the first trader's first trader's device or the second trader's second trader's device and accepts a request to verify the validity of the payment instrument linked to the first trader's account. Based on the request, the validity of the payment method is verified, and based on the result of the verification, the first transaction is A transfer from the first trader's account to the management account is made to the first institution's first institution device that manages the trader's account. The transfer of the secured amount is instructed, and the settlement amount of the settlement is transferred from the first trader device or the second trader device. We will receive a confirmation notice informing you that the payment has been confirmed, and based on the confirmation notice, we will calculate the amount of the secured payment and the final payment. The difference between the payment amount and the difference is calculated, and the settlement process for the difference is carried out. the settlement amount from the management account to the second trader's account at the management institution's management institution device; Instructs the movement of.

[0009] An information processing method according to one aspect of the present invention includes: In the settlement of a transaction, the first trader's first trader's device or the second trader's second trader's device and accepts a request to verify the validity of the payment instrument linked to the first trader's account. Based on the request, the validity of the payment method is verified, and based on the result of the verification, the first transaction is A transfer from the first trader's account to the management account is made to the first institution's first institution device that manages the trader's account. The transfer of the secured amount is instructed, and the settlement amount of the settlement is transferred from the first trader device or the second trader device. Receive a confirmation notice informing you that the amount has been confirmed, and based on the confirmation notice, confirm the amount secured and the confirmed amount. The difference between the settlement amount and the payment amount is calculated, and the difference is transmitted to the management institution device of the management institution that manages the management account. Instruct the transfer of the settlement amount from the account to the account of the second trader, and settle the difference. Execute the settlement process.

[0010] An information processing method according to one aspect of the present invention includes: a computer processing a first trader account of a first trader; The secured amount is transferred from the first transactor's account to the first institution's first institution device that manages the In the settlement of the trades between the first trader and the second trader, the first trader A settlement linked to the first trader's account from the second trader's device or the second trader's device of the second trader The settlement amount for the settlement by the settlement method is confirmed. In this case, the second transaction is made from the management account to the management institution device of the management institution that manages the management account. Instruct the transfer of the settlement amount to the second trading account and deduct the confirmed settlement amount from the secured amount. The difference is calculated and a settlement process for settling the difference is carried out.

[0011] An information processing method according to one aspect of the present invention includes: a computer processing a first trader account of a first trader; The secured amount is transferred from the first transactor's account to the first institution's first institution device that manages the In the settlement of the trades between the first trader and the second trader, the first trader A settlement linked to the first trader's account from the second trader's device or the second trader's device of the second trader The settlement amount is calculated from the secured amount after receiving a confirmation notice that the settlement amount has been confirmed. The difference is calculated by subtracting the set settlement amount, and the settlement process for the difference is carried out and finalized. Based on the notice, the management institution that manages the managed account will issue the first 2. Instruct the transfer of the settlement amount to the second trader's account. [Effects of the Invention]

[0012] According to the present invention, there is a possibility that settlement will not be possible due to insufficient account balance in settlement of a transaction. can be reduced. [Brief explanation of the drawings]

[0013] [Figure 1] 1 is a diagram illustrating an example of the system configuration of a payment support system according to a first embodiment. FIG. [Figure 2] 1 is a diagram illustrating an example of an overview of a payment support system according to a first embodiment. FIG. [Figure 3] FIG. 2 is a diagram illustrating an example of a functional configuration of a server device according to the first embodiment. [Figure 4] FIG. 2 is a diagram illustrating an example of the operation of the payment support system according to the first embodiment. [Figure 5] FIG. 2 is a diagram illustrating an example of the operation of the payment support system according to the first embodiment. [Figure 6] FIG. 2 is a diagram illustrating an example of a hardware configuration of a server device according to the first embodiment. [Figure 7] FIG. 10 is a diagram illustrating an example of the operation of the payment support system according to the second embodiment. [Figure 8] FIG. 10 is a diagram illustrating an example of the operation of the payment support system according to the second embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0014] A preferred embodiment of the present invention will be described with reference to the accompanying drawings. , components with the same reference numerals have the same or similar configurations.

[0015] In the present invention, the term "part," "means," "device," or "system" does not simply mean a physical means. It does not mean a stage, but rather the "part," "means," "device," or "system" that it has. This also includes cases where the functions are realized by software. The functions of a "device" or "system" are not limited to physical means, devices, or software modules. Even if the invention is realized by a combination of two or more modules, it does not include two or more "parts," "means," or "devices." The functionality of a "device" or "system" is provided by a single physical means, device, or software module. This may be realized by a rule.

[0016] [First embodiment] First, a first embodiment of the present invention will be described. In this embodiment, a first trader and a second trader In the settlement of the transaction of the buyer, the first trader's account (hereinafter referred to as the "first trader's account") An example of making a payment using the linked payment method will be described. The payment method linked to the trader account (hereinafter referred to as the "payment method of the first trader account") , a payment using a debit card owned by the first transactor (hereinafter referred to as "debit payment"). However, the settlement method of the first trader's account according to the present invention is For example, the payment method for the primary transaction account may be an immediate payment method that does not use a debit card. This includes direct debit (account withdrawal), direct deposit, prepaid fund transfer, etc. In addition, the funds used for settlement of the transaction according to the present invention may be, for example, a bank account balance. In addition to cash, crypto assets such as electronic money may also be used.

[0017] The first and second traders in this embodiment may be individuals or businesses. The payment support system 1 according to this embodiment is capable of handling payments other than B2C (business-to-consumer) transactions. It can also be used for C2B, B2B, C2C, etc. payments.

[0018] Debit payment is a system that provides debit payment (hereinafter referred to as "debit card system"). Financial institutions (e.g., banks) that provide the services (also known as "services") or designated entities affiliated with financial institutions The business operator immediately transfers the amount of the account balance from the account managed by the financial institution to the designated first transactor. A settlement in which the amount received is debited and deposited into the account of the second transactor (including accounts at other financial institutions) It is a means.

[0019] The payment support system 1 according to this embodiment secures funds for settlement of transactions, In this embodiment, the first institution operates an external system. An example will be described in which the operator of the payment support system 1 is the external system. A system that controls communication and converts messages between the institution's system and external systems. In this embodiment, an example will be described in which the first institution is the first bank. The first institution is not limited to the above. The first institution is a facility that manages the account of the trader. Any institution can be involved, for example, financial institutions other than banks, electronic money In this embodiment, the first Use the debit payment function provided by the bank (hereinafter referred to as "debit payment function"). An example of using this will be explained.

[0020] <1. System configuration> An example of the system configuration of a payment support system 1 according to this embodiment will be described with reference to FIG.

[0021] As shown in FIG. 1, the payment support system 1 includes a server device 100 of an operator and a first transactor. The server device includes a first transactor device 200a of the first transactor and a second transactor device 200b of the second transactor. The device 100, the first transactor device 200a, and the second transactor device 200b are connected to a network N. The payment support system 1 also functions as an external system. The first transactor is connected to the bank system 400 via a network N. The device 200a and the second transactor device 200b are collectively referred to as "transactor" unless there is a need to distinguish them. Also, there is no need to distinguish between the first transactor and the second transactor. In this case, they are collectively referred to as "transactors."

[0022] [Server device] The server device 100 is connected to the bank's banking system for communication control and bank account usage. 400 and a bank server 410 are connected to each other via a network N.

[0023] The server device 100 is capable of communicating with the transactor device 200 or the bank server 410. The server device 100 is an information processing device. ") to cooperate with the transactor device 200 etc. to obtain information related to settlement ( For example, transaction information, payment method information and / or account information) and manage debit payment When using the service, it controls the fund transfer process to prevent payment failure due to insufficient account balance.

[0024] The account information is information for managing each bank account. Bank codes to identify banks, and to identify the accounts held by the transactors, operators and / or banks. Account number for identifying the account, account balance such as the total amount deposited in the account, or the number of users of the account The account information may include, for example, authentication information for the account. Details of authentication information will be explained later.

[0025] The transaction details include, for example, a deposit / withdrawal history indicating a history of deposits and withdrawals. Deposit / withdrawal ID to identify the deposit / withdrawal, ID of the bank card used for the deposit / withdrawal, or Deposits and withdrawals from various card companies when withdrawing from bit cards or credit cards Customer ID indicating the ID of the counterparty, deposit / withdrawal date and time indicating the date and time of deposit / withdrawal, deposit to account Deposit Amount, which indicates the amount deposited into your account, and / or Withdrawal Amount, which indicates the amount withdrawn from your account. .

[0026] [Transactional Device] The trader device 200 may be, for example, a smartphone or tablet used by the trader, It is a terminal device such as a laptop that accepts input such as product purchases from traders and sends them It is an information processing device that can output notifications such as procedure completion and communicate with the server device 100. The user device 200 executes a predetermined program to cooperate with the server device 100. It sends and receives transaction information, displays transaction screens, and accepts instructions from traders. Do it.

[0027] Transaction information is information about a transaction. The transaction information may include, for example, Transaction identification information, details of each transaction, transaction date and time, transaction processing status (e.g., acceptance of transaction details, (Transaction confirmation, etc.) The transaction details include, for example, the transaction details, the settlement instructions for each transaction (if the transaction is settled). Information about the products (hereinafter referred to as "product information") or services to be offered (hereinafter also referred to as "Service Information"), transaction amount, and / or payment method used for the transaction. The payment method information may also include information about the payment method.

[0028] The payment method information may be, for example, type information indicating the type of payment method (e.g., credit card payment, debit card payment, or electronic money payment), to identify the payment method Payment means identification information (e.g., card number, account number, etc.), payment services that provide payment means User identification information of users who use payment methods, and for the security of payment methods The payment method information includes, for example, whether the payment method is suspended or not. , payment history information for a specified period, various settings related to payment methods (e.g. The information may include setting information indicating the maximum amount, etc.

[0029] When the transactor is a store (including a store clerk), the transactor device 200 stores information used in the store. The information processing device may be, for example, a POS register terminal or a handheld terminal. The puller device 200 may store, for example, product information about products sold in the store where the device is installed, The terminal may have a reader function to read information about services offered at the store. For example, the trader device 200 does not have a reader function, and An external device such as a card reader may have the reader function. Accepting and receiving input of information regarding products or services (hereinafter referred to as "products, etc.") POS register functions such as calculating the total amount of the purchased items (in other words, the payment amount) It may also have the function.

[0030] [Banking system and bank server] The bank system 400 includes a first bank system 400a of the first bank, a second bank system 400b of the second bank, and a third bank system 400c of the first bank. 2 bank system 400b. The bank system 400 is, for example, a debit system. It may also serve as a

[0031] The bank server 410 includes a first bank server 410a of the first bank and a second bank server 410b of the second bank, which will be described later. The bank server 410 is a general term for the bank server 410b. A server of a bank system 400 that performs transfer processing and / or deposit processing, reference processing, etc. for an account. The bank server 410 is a server for providing services related to the above-mentioned transfer processing, etc. It cooperates with the server device 100.

[0032] The bank server 410 may provide, for example, a bank API to an external device such as the server device 100. Bank APIs are used to provide services for existing functions such as fund transfers and balance inquiries, and are therefore accessible to the outside world. Software components communicate with each other for use by other applications. The bank API is an interface used to update and read data. The update API is an API for transferring funds such as bank account transfers. The reference API is an API for obtaining account information such as checking the balance of a bank account. do.

[0033] [network] The network N is configured as a wireless network or a wired network. Examples of networks include mobile phone networks or PHS (Personal Handyphone System). one System) network, wireless LAN (Local Area Network, IE EE802.11 compliant communications (including so-called Wi-Fi (registered trademark)), 3G ( 3rd Generation), LTE (Long Term Evolution) , 4G (4th Generation), 5G (5th Generation), W iMax (registered trademark), infrared communication, visible light communication, Bluetooth (registered trademark), Wire LAN, telephone line, power line communication network, IEEE1394 compliant network, etc. There is a problem.

[0034] <2. Overview> An example of the outline of the payment support system 1 will be described with reference to FIG. 2. In this example, The first institution that manages the account and the management institution that manages the managed account are the same institution, specifically the first institution In this example, the first bank and the managing institution are different. The management account is a temporary account that is used to secure the secured amount described below. The managed account is, for example, an account held by the operator or a special deposit account at the first bank. In this example, the second institution that manages the second trader account and the second institution that manages the managed account may The second institution is a second bank that is different from the first bank. An example will be described.

[0035] In this example, the first bank system 400a is responsible for issuing a debit card for the first trader account. In this example, the debit card number of the first bank system 400a is set to 1000. The second transactor shall be registered as a card service member.

[0036] (1) As shown in Figure 2, first, the first transactor, who is a customer of a store, etc., (2) The first trader then makes an offer to purchase the product to the second trader. Apply for debit payment as the payment method to be used for the transaction. For example, the second transaction party's device 200b may be used to make a debit payment using a debit card of the first transaction party. At this time, the second transactor device 200b may be the first transactor or Receive transaction information from the second transactor, including payment method information for the debit payment of this purchase transaction. Accept.

[0037] (3) The second transaction device 200b receives the payment method information received in (1) and (2) above. To verify the validity of the debit payment, which is the payment method indicated in A request for validity confirmation, i.e., authorization processing, is sent to the original first bank system 400a. This request for validity confirmation is sent to the server of the external system of the first bank system 400a. The second transactor device 200b is transmitted to a server device 100. 0, along with the transaction information and a request for validation.

[0038] (4) When the server device 100 receives the request for validity confirmation transmitted in (3), The validity of the debit payment is confirmed. The method for confirming the validity of the debit payment is, for example, The server device 100 may also check the payment method information stored in its own device by comparing it with the payment method information of the source of the verification. As another example, the method for confirming the validity of the debit payment is, for example, The system 400a is queried for the validity of the debit transaction, and the result of this validation is displayed. Alternatively, the method may be such that the confirmation result information is received and confirmed.

[0039] (5) If the validity of the debit payment is confirmed in (4) above, the server device 100 The first bank server 410a of the first bank transfers the deposit from the first trader's account to the management account. In this example, the amount to be secured is set to 30,000 yen.

[0040] The secured amount is the amount of funds to secure the settlement amount before the settlement amount is determined. The secured amount may be, for example, (a) set by the trader's designation, or (b) set by multiple (c) A common amount may be set for all transactors, or (d) a common amount may be set for all transactors depending on the type of transaction and / or the category of transactors. The amount may be set according to gender, etc.

[0041] The type of transaction may be, for example, a sales transaction involving the provision of services or goods (a purchase transaction of goods, (including loans, factoring, remittance transactions, transfer of value such as electronic money, etc.) In addition, the attributes of the trader include, for example, if the trader is an individual, the name, occupation, and / or annual income. , payment history, etc., or if the transactor is a business, the business name, business content, business form, etc. type, number of employees, type of business, business scale, management status, capital status and / or settlement history, etc. Good too.

[0042] (6) When the first bank server 410a receives the transfer instruction in (5) above, Funds are transferred between the first trader's account and the management account. The server 410a subtracts the secured amount of 30,000 yen from the balance of the first trader's account and The price will be increased by 30,000 yen.

[0043] (7) The settlement amount (sales amount) of the product purchase transaction between the first and second transactors is determined. In this example, the settlement amount is 5,000 yen. (8) The second transactor device 200b When the input of the settlement amount is received from the first or second transactor, the server device 100 A confirmation notice will be sent to notify you that the amount has been confirmed.

[0044] (9) Upon receiving the confirmation notice in (7) above, the server device 100 performs the following steps based on the confirmation notice: Based on this, the difference between the secured amount and the confirmed payment amount is calculated.

[0045] (10) If the validity is confirmed in (4) above, the server device 100 calculates in (9) above. The server device executes a process for settling the difference (hereinafter referred to as "settlement process"). 100 notifies the first bank server 410a of the difference between the managed account and the first transactor account. Specifically, the server device 100 subtracts the payment amount from the reserved amount. The amount of the transfer is 25,000 yen, so in order to transfer this 25,000 yen back to the account of the first trader, The server 410a is instructed to transfer the difference from the management account to the first trader's account. If the difference is negative, the server device 100 sends the following to the first bank server 410a: 1. You may instruct the transfer of the difference from the trader's account to the management account.

[0046] (11) The first bank server 410a receives the transfer instruction (return instruction) of (10) above. Then, the difference is transferred between the management account and the first transactor's account. At this time, the first bank server 410a also deducts the difference from the balance of the first transactor's account and manages The first bank server 410a may increase the balance of the account by the difference. The balance may be deducted by 25,000 yen and the balance in the first trader's account may be increased by 25,000 yen.

[0047] (12) The server device 100 performs a payment to the second transactor in the purchase transaction of the product. Therefore, the first bank server 410a is notified of the transfer of the settlement amount from the management account to the second transactor account. Instruct the following.

[0048] (13) The first bank server 410a receives the transfer instruction (payment instruction) in (12) above. In this case, the settlement amount will be transferred between the management account and the second trader's account. At this time, the first bank server 410a deducts 5,000 yen from the balance of the management account and Increase the account balance by 5,000 yen.

[0049] In this overview, the server device 100 transmits the managed account and the first bank account to the first bank server 410a. After instructing the transfer of the difference between the trading account and the management account, the settlement amount from the management account to the second trading account The server device 100 issues an instruction to the first bank server 410a to transfer the management account. After issuing an instruction to transfer the settlement amount between the management account and the second trading account, The server device 100 may instruct the first bank server 410a to transfer the difference to the , the transfer of settlement amounts between the management account and the second trading account, and the transfer of settlement amounts from the management account to the first trading account. The transfer of the difference may also be instructed.

[0050] With the above configuration, the payment support system 1 performs the following when verifying the validity of the payment method of the first trader's account: By transferring the secured amount to a management account, the balance is prevented from being used for other transactions. Therefore, the payment support system 1 can It takes time from the time the payment method linked to your account is validated to the time the payment amount is confirmed. Even in such a case, the possibility of settlement being impossible due to insufficient balance in the primary trader's account is reduced. can be done.

[0051] Based on the above configuration, the payment support system 1 is an existing first bank system 400a (debit This can be realized by utilizing the mechanism of the external system. For the settlement of transactions that are not suitable for time transfers, for example, a credit limit can be set up in the account balance to allow for other transactions. It utilizes existing mechanisms without building special functions to prevent unauthorized use. This reduces the possibility of being denied due to insufficient account balance.

[0052] <3. Functional configuration of the server device> The functional configuration of the server device 100 according to this embodiment will be described with reference to FIG. As shown in the figure, the server device 100 includes a control unit 110, a communication unit 120, and a storage unit 130. Prepare.

[0053] The control unit 110 includes a receiving unit 111, an instruction unit 112, a confirmation unit 113, and a calculation unit 114. , and a settlement unit 115.

[0054] The reception unit 111 receives communication from the first engine device, the second engine device, and / or the management institution. The reception unit 111 receives various information via the reception unit 120. The reception unit 111 includes a confirmation reception unit 111a. The confirmation receiving unit 111a receives a confirmation from the first transactor device in the settlement of the transaction between the first transactor and the second transactor. 200a, or the second trader device 200b, linked to the first trader's first trader account. The system accepts a request to validate the payment method provided.

[0055] The reception unit 111 includes a notification reception unit 111b. The notification reception unit 111b is a first transaction device. The first trader's device 200a or the second trader's device 200b is used to make a transaction using the settlement means of the first trader's account. A confirmation notice is received informing the user that the settlement amount has been confirmed.

[0056] The instruction unit 112 may be configured to control the trader device 200, the first engine device, the second engine device, and / or the management device. The instruction unit 112 transmits various instructions to the management organization or the like via the communication unit 120. The reservation instruction unit 112a is configured to receive the validity information received by the confirmation receiving unit 111a. to a first institution device of a first institution that manages a first trader account based on the request for confirmation of The transfer of the secured amount from the first trader's account to the management account is instructed. For example, the secured amount instruction unit 112 a is an update system AP provided by the bank server 410 when the first institution device is the bank server 410; You may call I to direct the transfer of this reserved amount.

[0057] The instruction unit 112 includes a payment instruction unit 112b. The payment instruction unit 112b is a management institution device. to transfer the settlement amount from the management account to the second trader's second trader account.

[0058] The confirmation unit 113 performs a validity check based on the request for validity confirmation received by the confirmation receiving unit 111a. The verification unit 113 verifies the validity of the payment method linked to the first transactor's account. The payment method information stored in the memory 130 is checked to see if it is within the validity period or has been suspended. As another example, the checking unit 113 may check whether the first silver The validity of this payment method is inquired of the bank system 400a, and the result of this validity confirmation is The confirmation result information may be received and confirmed.

[0059] The calculation unit 114 calculates the allocated amount based on the final notification received by the notification receiving unit 111b. Calculate the difference between the amount secured and the confirmed settlement amount. This difference is the difference between the secured amount and the confirmed settlement amount. Any amount may be used as long as it indicates the difference between the

[0060] The settlement unit 115 calculates the amount calculated by the calculation unit 114 based on the result of the validity check by the check unit 113. The settlement process is then carried out to settle the difference between the calculated secured amount and the settlement amount.

[0061] The settlement unit 115 may include, for example, a difference transfer unit 115a. As a settlement process, the payment is calculated from the secured amount based on the difference between the secured amount and the final settlement amount. If the amount subtracted is a positive number, the management institution device transfers the amount from the management account to the first transaction account. On the other hand, the difference transfer unit 115a may instruct the following as a settlement process: The amount obtained by subtracting the final settlement amount from the guaranteed amount based on the difference between the guaranteed amount and the settlement amount. If is a negative number, the first trader's account is transferred to the first institution device that manages the first trader's account. Direct the transfer of the amount to a controlled account.

[0062] The communication unit 120 communicates with the transactor device 200 and / or the bank system via the network N. The communication unit 120 transmits and receives various information to the system 400, etc. via the network N, for example. The first trader's account is used to receive transaction information transmitted from the trader's device 200 and to use the first trader's account. and transmits various fund transfer instructions to the bank system 400.

[0063] The storage unit 130 may store transaction information and account information. Each piece of information may be stored using a database management system (DBMS), or If a DBMS is used, each piece of information can be stored in a database. Alternatively, a table may be provided for each item, and the tables may be associated with each other to manage each piece of information.

[0064] <4. Example of operation> An example of the operation of payment support system 1 according to this embodiment will be described with reference to FIGS. In the settlement support system 1, after accepting input of transaction information from the transactor, A sequence showing the process flow up to the confirmation of the validity of the payment method of the withdrawer's account and the interaction of each device The order and units of processing shown below are examples and may be changed as appropriate. This may also be done.

[0065] As shown in FIG. 4, the trader device 200 receives input of trade information from the trader (S 10). The transactor device 200 receives the accepted transaction information and the first transaction indicated by the transaction information. A request to confirm the validity of the payment method of the customer's account is sent to the server device 100 (S11 ).

[0066] The reception unit 111 (including the confirmation reception unit 111a) of the server device 100 receives the transmitted reception. The server device 100 receives the request for confirmation and the inquiry information (S12). Based on this confirmation request, the first trader's account is validated (S13).

[0067] The trader device 200, the server device 100, the first institution device, and the management institution device are If the validity of the payment method of the customer account is confirmed (OK), the combined fragment alt1 Execute the process above the dashed line in the area indicated by (alternative 1). Specifically, the reservation instruction unit 112a of the server device 100 issues a first transaction request to the first reserve device. The first device transmits an instruction to transfer the secured amount from the customer's account to the management account (S14). The first engine device receives the movement instruction transmitted from the server device 100 (S15). Based on the accepted transfer instruction, the secured amount is transferred from the primary trader's account to the management account. The first engine device executes a process (hereinafter also referred to as "movement process") related to the above (S16). In response to the transfer instruction, the server device transmits fund transfer information indicating the result of the transfer process of the secured amount. Send to 100 (S17).

[0068] The confirmation unit 113 of the server device 100 sends confirmation information indicating the result of the validity confirmation (OK). The received fund transfer information is then transmitted to the transactor device 200 (S18). 200 receives the confirmation information and movement information sent from the server device 100 and outputs them on the screen. The transactor device 200 receives a notification from the transactor that the settlement amount for the transaction has been determined (S19). The trader device 200 receives the input (S20). The trader device 200 notifies the user that the settlement amount has been determined. The notification receiving unit of the server device 100 transmits a confirmation notification to the server device 100 (S21). The server 111b receives the confirmation notice sent from the trader device 200 (S22). The calculation unit 114 of the device 100 calculates the secured amount and the settled payment amount based on the settlement notification. The difference between the two is calculated (S23). The subsequent process flow and interactions are shown in Figure 5. .

[0069] The trader device 200, the server device 100, the first institution device, and the management institution device are If the validity of the payment method of the customer's account cannot be confirmed (NG), The process below the dashed line in the area indicated by lt1 is executed. The confirmation unit 113 of the transaction terminal 00 transmits the confirmation information indicating the result of the validity confirmation (NG) to the transaction terminal 2. 00 (S25). The trader device 200 transmits the confirmation transmitted from the server device 100 to The information is received and output as an error on the screen (S26).

[0070] FIG. 5 shows a process for calculating the difference between the finalized amount and the settlement amount in FIG. 4 in the settlement support system 1. This is a sequence diagram showing the flow of processing after the process and the interactions of each device. The order and units of processing shown are merely examples and may be changed as appropriate.

[0071] As shown in FIG. 5, a trader device 200, a server device 100, a first authority device, a management authority device The amount is calculated by subtracting the final settlement amount from the secured amount based on the difference calculated above ( If the difference is a positive number, the composite fragment alt2 (alte rative2) performs the processing above the dashed line in the area indicated by the Within the area above the dashed line in the area indicated by fragment para (Parallel) Specifically, the processing in the lower area is performed in parallel with the processing in the upper area. The unit 112b instructs the management device institution to transfer the settlement amount from the management account to the second transactor account. The management organization device transmits the instruction (S30). The management organization device receives the instruction to move the management object (S31). The management institution device transfers the settlement amount from the account to the second transactor's account (S32). In response to the transfer instruction, the server device transmits fund transfer information indicating the result of the transfer process of the settlement amount. The information is transmitted to the device 100 (S33).

[0072] In parallel with step S30, the difference transfer unit 115a of the server device 100 transfers the reserved amount and As a settlement process for the difference with the settlement amount, the management institution device transfers the amount from the management account to the first transaction account. The management institution device transmits an instruction to transfer the difference to the account (S34). The management institution device accepts the received movement instruction (S35). Based on the instruction, the difference is transferred from the management account to the first trader's account (S36). In response to the transfer instruction, the management institution device transmits funds transfer information indicating the result of the transfer processing of the difference. The composite fragment para (Paral What is the processing in the area above the dashed line and the processing in the area below the dashed line in the area indicated by lel)? However, the processes are not limited to parallel processing, and either one of them may be processed first. In step S34, either of the movement instructions may be sent first.

[0073] The payment instruction unit 112b and the balance transfer unit 115a of the server device 100 are The transmitted fund transfer information is received and transmitted to the transactor device 200 (S38). 200 receives the movement information transmitted from the server device 100 and outputs it on the screen (S39 ).

[0074] As shown in FIG. 5, a trader device 200, a server device 100, a first authority device, a management authority device If the difference is negative, the composite fragment alt In the area indicated by 2, the process below the dashed line is executed. The difference transfer unit 115a transfers the difference to the first transaction device in order to charge the first transaction party an additional amount. Then, the first institution sends an instruction to transfer the difference from the first trader's account to the management account (S40). The first device receives a movement instruction sent from the server device 100 (S41). Based on the accepted transfer instruction, the transferor transfers the difference from the primary trader's account to the management account. In response to the transfer instruction, the first transfer device transfers the difference (S42). The fund transfer information indicating the result of the processing is sent to the server device 100 (S43). The processing described in steps 44 to 47 is the same as the processing described in steps 40 to 43. It may be executed before or in parallel with the first.

[0075] The payment instruction unit 112b of the server device 100 issues a second payment from the management account to the management device authority. The management institution device transmits an instruction to transfer the settlement amount to the transactor's account (S44). The management organization device receives the movement instruction sent from the management organization device 100 (S45). Based on the transfer instruction, the transfer process of the settlement amount from the management account to the second transaction account is carried out. In response to the transfer instruction, the management institution device sends the result of the transfer processing of the settlement amount to the management institution device (S46). The fund transfer information indicating the above is transmitted to the server device 100 (S47).

[0076] The payment instruction unit 112b and the balance transfer unit 115a of the server device 100 are The transmitted fund transfer information is received and transmitted to the transactor device 200 (S48). 200 receives the movement information transmitted from the server device 100 and outputs it on the screen (S49 ).

[0077] <5. Hardware Configuration> Referring to FIG. 6, the above-described server device 100 is realized by a computer 800. An example of the hardware configuration for this case will be described. Note that the functions of each device can be implemented by multiple devices. It can also be realized by dividing it into multiple locations.

[0078] As shown in FIG. 6, a computer 800 includes a processor 801, a memory 803, and a storage device. A storage device 805, an input I / F unit 807, a data I / F unit 809, and a communication I / F unit 811 , and a display device 813.

[0079] The processor 801 executes a program stored in the memory 803. It controls various processes in the computer 800. For example, it controls the control unit of the server device 100. Each functional unit of the device 110 executes a program temporarily stored in the memory 803 by the processor 8. This can be achieved by 01.

[0080] The memory 803 is a storage device such as a RAM (Random Access Memory). The memory 803 is a storage medium for storing the program executed by the processor 801. It temporarily stores program code and data required for program execution.

[0081] The storage device 805 is, for example, a hard disk drive (HDD) or a flash memory. The storage device 805 is a non-volatile storage medium. In addition, the storage device 805 stores various programs for realizing the transaction information and and / or a table for registering account information and a DB for managing said table. Such programs and data can be loaded into the memory 803 as needed. This allows the processor 801 to reference it.

[0082] The input I / F unit 807 is a device for receiving input from the user. Specific examples of the / F unit 807 include a keyboard, a mouse, a touch panel, various sensors, and The input I / F unit 807 is, for example, a USB (Universal Serial Bus) The computer 800 is connected to the computer 800 via an interface such as a serial bus. It may be continued.

[0083] The data I / F unit 809 is a device for inputting data from outside the computer 800. A specific example of the data I / F unit 809 is a device stored in various storage media. The data I / F unit 809 is a computer 8 In this case, the data I / F unit 809 may be provided outside the It is connected to a computer 800 via an interface such as a USB.

[0084] The communication I / F unit 811 is configured to communicate with an external device of the computer 800 via wire or wireless. The communication I / F unit 811 is a device for performing data communication via the Internet N. It may be possible to provide the communication I / F unit 8 outside the computer 800. 11 is connected to a computer 800 via an interface such as a USB.

[0085] The display device 813 is a device for displaying various information. Examples include LCDs and organic EL (Electro-Lumines nce displays, wearable device displays, etc. The display device 813 may be provided outside the computer 800. In this case, the display device 813 The input is connected to the computer 800 via a display cable or the like. When a touch panel is used as the input I / F unit 807, the display device 813 receives the input I / F. It is possible to configure it integrally with the / F section 807 .

[0086] [Second embodiment] Next, a second embodiment of the present invention will be described. The first embodiment is a first trader account settlement In the past, the secured amount was transferred to a managed account when the validity of the payment instrument was confirmed. The embodiment is a timing that does not depend on the timing of the validation, and therefore the timing of the transaction. The following explains the differences from the first embodiment. Reveal.

[0087] <1. Functional configuration of the server device> An example of the functional configuration of the server device 100 according to this embodiment will be described. The server device 100 includes the communication unit 120 and the storage unit 120 of the server device 100 according to the first embodiment. 130, and the control unit 110 includes a receiving unit 111 and The device includes a common instruction unit 112, a confirmation unit 113, a calculation unit 114, and a settlement unit 115.

[0088] The receiving unit 111 may include, for example, an instruction receiving unit (not shown). A reservation instruction for reserving funds for settlement of a transaction sent from the transactor device 200a is received. can.

[0089] The securing instruction unit 112a may, for example, instruct the first institution device of the first institution to provide the secured amount as a first A transfer from a trader account to a custodian account may be indicated.

[0090] The payment instruction unit 112b may, for example, send a notice of payment to the payment instruction unit 112b in response to the confirmation notice received by the notice receiving unit 111b. Based on this, the management institution's management institution device receives the settlement amount from the management account to the second transactor's account. The user may instruct the player to move the

[0091] According to the above configuration, the funds can be secured in the managed account without relying on transaction-related processing, including authorization processing. The insurance amount can be transferred in advance to secure funds for settlement of the transaction. A highly flexible system can be provided.

[0092] <2. Example of operation> An example of the operation of payment support system 1 according to this embodiment will be described with reference to FIGS. In the payment support system 1, an instruction to secure funds for the payment amount is received from the first transactor. The process flow from receipt to transfer of the secured amount to the managed account and the interaction of each device In this example, the trigger for transferring the secured amount is set by the first transactor. An example of an event-driven system where instructions are given by the user will be described, but the system is not limited to this. For example, The transfer of the reserved amount may be triggered at a pre-scheduled timing.

[0093] As shown in FIG. 7, the first transactor device 200a receives a payment for settlement of a transaction from the first transactor. Accepts input of instructions to secure funds (specifically, instructions to transfer the secured amount to the management account) ( S50). The first transactor device 200a transmits the received reservation instruction to the server device 10. 0 (S51). The instruction receiving unit of the server device 100 sends the instruction to the first transactor device 200. The server device 100 receives the reservation instruction sent from the reservation instruction unit 11 a (S52). 2a, for example, based on this reservation instruction, to the first engine device of the first engine, The first transaction device instructs the transfer of the transaction amount from the first transaction account to the management account (S53). The first engine device receives the movement instruction transmitted from the engine device 100 (S54). Based on the received transfer instruction, the secured amount is transferred from the primary trading account to the management account. In response to the transfer instruction, the first transfer device executes the transfer process of the secured amount (S55). The server device 100 transmits funds transfer information indicating the result of the above to the server device 100 (S56). The securing instruction unit 112a issues a settlement instruction in response to the securing instruction based on the fund transfer information. The first transactor device 200a transmits the secured information indicating the secured funds to the first transactor device 200a (S5 7) The first transactor device 200a receives the secured information transmitted from the server device 100. and output it to the screen (S58).

[0094] FIG. 8 shows the process performed by the payment support system 1 after accepting input of transaction information from the transactor. The process flow up to the payment to the second trader's account and the interaction of each device are shown. FIG.

[0095] As shown in FIG. 8, the trader device 200 receives input of trade information from the trader (S 60). The trader device 200 receives an input from the trader to determine the settlement amount of the transaction. The transactor device 200 then confirms the accepted transaction information and the settlement amount (S61). A confirmation notice is sent to the server device 100 (S62).

[0096] The reception unit 111 (including the notification reception unit 111b) of the server device 100 receives the transmitted reception. The payment instruction unit 112b of the server device 100 receives the payment information and the confirmation notice (S63). sends an instruction to the management device institution to transfer the settlement amount from the management account to the second trader's account The management organization device receives the transfer instruction sent from the server device 100 (S64). The management institution device transfers the money from the management account based on the received transfer instruction (S65). The management institution device executes the transfer process of the settlement amount to the second transactor's account (S66). In response to the instruction, the server device 100 receives funds transfer information indicating the result of the transfer process of the settlement amount. The calculation unit 114 of the server device 100 then transmits the fund transfer information (S67). The difference between the secured amount and the settlement amount is calculated (S68).

[0097] The trader device 200, the server device 100, the first authority device, and the management authority device Based on the difference, if the difference is a positive number, the composite fragment alt3(alternate tive3) executes the process above the dashed line in the area indicated by the server. The difference transfer unit 115a of the device 100 transfers the difference between the reserved amount and the settlement amount to the management. The management institution sends an instruction to transfer the difference from the management account to the first transactor's account (S6 9) The management organization device receives the transfer instruction sent from the server device 100 (S70 ) The management institution device transfers the funds from the management account to the first transactor based on the received transfer instruction. The management institution device executes the transfer process of the difference to the account (S71). Then, the server device 100 transmits funds transfer information indicating the result of the transfer process of the difference (S72). .

[0098] The trader device 200, the server device 100, the first authority device, and the management authority device Based on the difference, if the difference is a negative number, the area indicated by the composite fragment alt3 is Specifically, the server device 100 performs the process above the dashed line. a) is to request the first transaction account to the first transaction device in order to claim the difference in the amount of the transaction. The first bank device transmits an instruction to transfer the difference from the bank account to the management account (S73). The first engine device receives the movement instruction transmitted from the first engine device 100 (S74). Based on the transfer instruction, the difference is transferred from the first trader's account to the management account ( In response to the transfer instruction, the first engine device sends a data item indicating the result of the transfer process of the difference. The money transfer information is transmitted to the server device 100 (S76).

[0099] The payment instruction unit 112b and the balance transfer unit 115a of the server device 100 are The transmitted fund transfer information is received and transmitted to the transactor device 200 (S77). 200 receives the movement information transmitted from the server device 100 and outputs it on the screen (S78 ).

[0100] Before executing the processes in steps S64 to S67, the server device 100 executes steps S68 and S69. Execute the processing described in steps S69 to S76 for the area indicated by the compound fragment alt3. In this case, the calculation unit 114 of the server device 100 may calculate the confirmation amount based on the transaction information. The difference between the insurance amount and the settlement amount is calculated (S68). 112b receives the result of the transfer process of the difference (S72 or S76) and sends it to the management device institution. Then, an instruction to transfer the settlement amount from the management account to the second transactor's account is sent (S64).

[0101] [Third embodiment] Next, a third embodiment of the present invention will be described. In the past, the difference between the payment amount and the deposit amount was settled, but in this embodiment, the secured amount is temporarily set to the full amount. The refund is made to the first trader's account. The following mainly explains the differences from the first embodiment. .

[0102] <Server device functional configuration> An example of the functional configuration of the server device 100 according to this embodiment will be described. The server device 100 includes the communication unit 120 and the storage unit 120 of the server device 100 according to the first embodiment. 130, and the control unit 110 includes a receiving unit 111 and The device includes a common instruction unit 112, a confirmation unit 113, a calculation unit 114, and a settlement unit 115.

[0103] The instruction unit 112 may include, for example, a refund instruction unit (not shown). Based on the confirmation notification received by the reception unit 111b, the management institution sends the management institution's management institution device and instructs the transfer of the secured amount from the management account to the first trader's account.

[0104] For example, the notification receiving unit 111b may receive a notification in response to an instruction to transfer the reserved amount from the instruction unit 112. The management institution device then sends a notice indicating that the secured amount has been transferred from the management account to the first transactor's account. A refund notice (hereinafter also referred to as a "refund notice") may be accepted.

[0105] The payment instruction unit 112b may, for example, issue a refund instruction in response to the refund notice received by the notice receiving unit 111b. In response, the first institution device transfers a settlement from the first trader's account to the second trader's account of the second trader. The user may also instruct the transfer of the payment amount.

[0106] If the difference calculated by the calculation unit 114 is a negative number, the refund instruction unit issues an instruction to transfer the reserved amount. You may cancel the order.

[0107] The communication unit 120 may include a transmission unit (not shown). When the difference is a negative number, the transmission unit The first transactor device 200a or the second transactor device 200b confirms the settlement amount of the transaction. Send an error notification indicating that the insurance amount has been exceeded.

[0108] The control unit 110 may include, for example, an acquisition unit (not shown). pursuant to which the First Trader's account information (hereinafter referred to as "First Trader"), including the available balance in the First Trader's account, In this case, the refund instruction unit acquires the first trader account information. Even if the difference is a negative number, the sum of the difference and the available balance is a positive number. In this case, the sending unit may instruct the transfer of the secured amount. Therefore, even if the difference is a negative number, if the sum of the difference and the available balance is a positive number, does not have to send an error notification indicating that the settlement amount of the transaction exceeds the reserve amount. stomach.

[0109] The above-described embodiment is an example for explaining the present invention, and it is not intended to limit the scope of the present invention to the embodiments. Furthermore, the present invention can be applied to various embodiments without departing from the spirit of the invention. Furthermore, those skilled in the art will recognize that the following elements may be substituted with equivalents. It is possible to adopt other embodiments, and such embodiments are also included in the scope of the present invention. do.

[0110] [Variations] Although the present invention has been described based on the above embodiment, the present invention can also be applied to the following cases. Included in.

[0111] [First Modification] At least a part of each component in the server device 100 according to the above embodiment is a trader device. For example, the trader device 200 may be provided with a dedicated application for the settlement support system 1. The application implements all the functions of the server device 100, and the transaction device 200 and the bank The present invention may be implemented through interaction with row server 410 .

[0112] [Second Modification] Although not shown in the above embodiment, the transaction targeted by the payment support system according to the present invention is The payment support system according to the present invention is not limited to purchase transactions at stores. It can also be applied to transactions such as (a) to (d) below. (A) Services that take time from the time of validity confirmation of a hotel or cruise ship to the time of settlement of the payment amount. Business transactions (e.g., authorization at check-in and sales at check-out) (Services to be confirmed above) (a) Transactions for which an authorization environment cannot be established (in-flight sales, offline payments at the cash register) (Completed, etc.) (c) Transactions using gas station POS (e.g., authorization processing and sales confirmation processing) (but at different times, etc.) (d) Transactions using online wallets (e.g., face-to-face EC, metaverse games, etc.) (time difference processing, etc.)

[0113] [Third Modification] The various methods of transferring funds between accounts described in the above embodiments (for example, bank account transfers, Each of these methods (e.g., transfers) can be substituted with a different method of processing funds transfers. [Explanation of symbols]

[0114] 1... payment support system, 100... server device, 110... control unit, 111... reception unit, 11 2...instruction unit, 113...confirmation unit, 114...calculation unit, 115...settlement unit, 120...communication unit, 13 0...storage unit, 200...transaction device, 200a...first transaction device, 200b...second transaction device 400...bank system, 410...bank server, 800...computer, 801...processor processor, 803... memory, 805... storage device, 807... input I / F unit, 809... data I / F / F section, 811...Communication I / F section, 813...Display device.

Claims

1. On the computer, a confirmation reception function for receiving a request for confirmation of the validity of the payment method linked to the first trader's first trader account from the first trader's first trader device or the second trader's second trader device in the settlement of a transaction between a first trader and a second trader; a verification function for verifying the validity of the payment method based on the request; a securing instruction function that instructs a first institution device of a first institution that manages the first trader's account to transfer the secured amount from the first trader's account to a management account based on the result of the validity confirmation; a notification receiving function for receiving a confirmation notification from the first transactor device or the second transactor device notifying that the settlement amount of the settlement has been confirmed; a calculation function for calculating an amount obtained by subtracting the confirmed settlement amount from the secured amount based on the confirmation notice; a settlement function that instructs the first institution device to transfer the deducted amount from the first trader account to the management account if the deducted amount is a negative number; a refund instruction function for instructing a management institution device of a management institution that manages the management account to transfer the secured amount from the management account to the first transactor account; and realizing a payment instruction function for instructing a first institution device of a first institution that manages the first trader account to transfer the settlement amount from the first trader account to a second trader account of the second trader. program.

2. The refund instruction function cancels the instruction to transfer the reserved amount if the deducted amount is a negative number, The computer is configured to realize a sending function of sending an error notification to the first transactor device or the second transactor device, when the subtracted amount is a negative number, indicating that the settlement amount exceeds the reserved amount. The program according to claim 1.

3. The computer further implements an acquisition function for acquiring first trader account information including the available balance of the first trader account based on the determination notice; The refund instruction function instructs the transfer of the secured amount when the sum of the deducted amount and the balance is a positive number, even if the deducted amount is a negative number; the sending function does not send the error notification when the sum of the deducted amount and the remaining balance is a positive number, even if the deducted amount is a negative number; The program according to claim 2.

4. the notification receiving function receives, in response to the instruction, a notification from the management institution device indicating that a secured amount has been transferred from the management account to the first trader account; The payment instruction function instructs the first institution device to transfer the settlement amount from the first trader's account to the second trader's account in response to the notification. The program according to claim 1.

5. the first authority and the management authority are the same authority; The program according to any one of claims 1 to 4.

6. a confirmation receiving unit that receives a request for confirmation of the validity of a payment method linked to the first trader's first trader account from the first trader's first trader device or the second trader's second trader device in settling a transaction between a first trader and a second trader; a confirmation unit that confirms the validity of the payment method based on the request; a securing instruction unit that instructs a first institution device of a first institution that manages the first trader's account to transfer the secured amount from the first trader's account to a management account based on the result of the validity confirmation; a notification receiving unit that receives a confirmation notification from the first transactor device or the second transactor device that the settlement amount of the settlement has been confirmed; a calculation unit that calculates an amount obtained by subtracting the confirmed settlement amount from the secured amount based on the confirmation notice; a settlement unit that instructs the first institution device to transfer the deducted amount from the first trader's account to the management account if the deducted amount is a negative number; a refund instruction unit that instructs a management institution device of a management institution that manages the management account to transfer the secured amount from the management account to the first transactor account; a payment instruction unit that instructs a first institution device of a first institution that manages the first trader account to transfer the settlement amount from the first trader account to a second trader account of the second trader; Equipped with Information processing device.

7. The computer In settling a transaction between a first trader and a second trader, a request is received from a first trader device of the first trader or a second trader device of the second trader to confirm the validity of a payment method linked to the first trader's first trader account; Validating the payment method based on the request; Based on the result of the validation, instruct a first institution device of a first institution that manages the first trader account to transfer the secured amount from the first trader account to a management account; receiving a confirmation notice from the first transactor device or the second transactor device notifying that the settlement amount of the settlement has been confirmed; Based on the confirmation notice, calculate the amount by subtracting the confirmed settlement amount from the secured amount, If the deducted amount is a negative number, instruct the first institution device to transfer the deducted amount from the first trader account to the custody account; instructing a management institution device of a management institution that manages the management account to transfer the secured amount from the management account to the first transactor account; instructing a first institution device of a first institution that manages the first trader account to transfer the settlement amount from the first trader account to a second trader account of the second trader; Information processing methods.

Images