Delayed debit payment system, delayed debit payment method, and delayed debit payment program

Abstract

To provide a delayed debit settlement system, a method and a program for conducting a delayed debit transaction which is flexible and highly convenient for a user.SOLUTION: A delayed debit settlement system includes a user terminal which receives, from a user, settings as to whether to conduct a delayed debit transaction, and a delayed server connected to communicate with the user terminal. The delayed server includes: an information acquisition unit 211 which acquires cashless transaction information; a delayed limit determination unit 212 which determines a delayed limit for delayed debit transaction on the basis of the cashless transaction usage of the user; a transaction availability determination unit 213 which determines whether the delayed debit transaction is available on the basis of the amount of transaction and the delayed limit; a tanking processing unit 214 which performs tanking processing if the delayed debit is available; and an information output unit 215 which outputs a debit instruction to debit the amount of transaction from the account of the user when a date of settlement comes.SELECTED DRAWING: Figure 4

Description

[Technical Field]

[0001] The present invention relates to a delayed debit payment system, a delayed debit payment method, and a delayed debit payment method. Regarding the Raid Debit Payment Program. [Background technology]

[0002] As part of cashless transactions at stores or e-commerce sites, the transaction amount is deposited into a bank account. Debit card transactions (hereinafter simply referred to as "debit transactions") that are immediately debited from It is known that a debit transaction is a credit card transaction for the payer (user). On the other hand, there is an advantage in that you do not have to worry about overspending. Therefore, debit transactions are more convenient than credit cards. It is not very convenient for users.

[0003] Therefore, we allow users to set the withdrawal date within a specified withdrawal period. (Patent Document 1) If the amount is within the amount calculated based on the account status such as the account balance, the transaction is successful. It is proposed to set up a payment system and postpone the withdrawal of the transaction amount until the user gives instructions ( Patent document 2).

[0004] In this way, even though transactions were made using debit cards, the transaction amount was immediately debited. Delayed debit transactions are known in the art. This will enable users to enjoy more flexible and convenient delayed debit transactions. It is required. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Application Laid-Open No. 2001-351036 [Patent Document 2] Patent No. 6368446 Summary of the Invention [Problem to be solved by the invention]

[0006] The problem that the present invention aims to solve is to provide a delayed device that is flexible and convenient for users. Delayed debit payment system capable of providing internet transactions, Delayed debit A payment method and a delayed debit payment program are provided. [Means for solving the problem]

[0007] The delayed debit payment system according to the present invention comprises: A delay server is provided which is communicably connected to a user terminal and the user terminal. 1. A delayed debit payment system, comprising: The user terminal accepts a setting from the user as to whether or not to perform a delayed debit transaction. It is equipped with an information reception unit, The delayed server Acquire cashless transaction information including the transaction amount of the cashless transaction by the user an information acquisition unit for acquiring the information; Based on the user's cashless transaction usage status, a debit card for delayed debit transactions is generated. a delay frame determination unit that determines a delay frame; Delayed debit transactions are possible based on the transaction amount and the delayed limit. a transaction permission determination unit that determines whether or not a transaction is permitted; The delayed debit transaction is set to be performed, and the delayed debit transaction is If it is determined that the cashless transaction is possible, the transaction amount of the cashless transaction is transferred to the user's account. The tanking process is performed by storing the transaction information in the unsettled transaction database along with the account information and settlement date. a linking processing unit; When the settlement date arrives, an account number is created to withdraw the transaction amount from the user's account. and an information output unit that outputs a withdrawal instruction to the bank system.

[0008] In addition, in the delayed debit payment system, If it is determined that the delayed debit transaction is not possible, The information output unit may output information indicating that the cashless transaction is not possible.

[0009] In addition, in the delayed debit payment system, If it is determined that the delayed debit transaction is not possible, The information output unit outputs a debit command for immediately debiting the transaction amount from the user's account. A withdrawal instruction may be output to the bank system.

[0010] In addition, in the delayed debit payment system, Even if the Delayed Debit Transaction is set to be performed, If a debit transaction is desired for the cashless transaction, the tanking processing unit The information output unit does not perform the tanking process, and immediately transfers the transaction amount from the user's account. A debit instruction for occasional withdrawal may be output to the bank system.

[0011] In addition, in the delayed debit payment system, The delayed quota determination unit determines the cashless transaction usage status as At least one of the following: the number of times of use of the paymentless transaction, the number of categories of the participating merchants, the amount used, and the number of months used The delay frame may be determined based on either one of the above.

[0012] In addition, in the delayed debit payment system, The delayed limit determination unit determines the delayed limit regardless of the balance of the user's account. It may be possible to set the

[0013] In addition, in the delayed debit payment system, The delayed quota determination unit determines the delayed quota for each predetermined period based on the cashless transaction usage status. The delay frame may be increased or decreased accordingly.

[0014] In addition, in the delayed debit payment system, After the tanking process is performed, the user terminal performs real-time payment of the cashless transaction. When a payment instruction is received, the information output unit of the delayed server outputs the transaction amount to the outputting a direct debit instruction to the bank system for immediate debit from the user's account; It may be possible to do so.

[0015] In addition, in the delayed debit payment system, The delayed limit determination unit determines whether the delayed limit is to be debited from the account. The balance of the delayed limit may be restored by the amount of the transaction amount that has been withdrawn.

[0016] In addition, in the delayed debit payment system, The user terminal individually selects transactions for which immediate payment is required from among a plurality of cashless transactions. It may be possible to accept it.

[0017] In addition, in the delayed debit payment system, If the setting for the delayed debit transaction is not configured, The tanking processing unit does not perform the tanking process, and the information output unit outputs the transaction amount as outputting a direct debit instruction to the bank system for immediate debit from the user's account; It may be possible to do so.

[0018] In addition, in the delayed debit payment system, The transaction permission determination unit determines whether the transaction amount is less than the delayed limit and whether the transaction amount is a delayed debit transaction. If the amount is less than the amount of the unsettled balance, it is determined that the delayed debit transaction is possible. You can do this.

[0019] The delayed debit payment method according to the present invention comprises: The user terminal receives a setting from the user as to whether or not to perform a delayed debit transaction. Tep and An information acquisition unit of a delayed server connected to the user terminal in a communicable manner acquiring cashless transaction information including the transaction amount for the cashless transaction; and, The delay limit determination unit of the delay server determines whether the user is using a cashless transaction. determining a delayed quota for the delayed debit transaction based on the status; The transaction permission determination unit of the delay server determines whether or not the transaction is possible based on the transaction amount and the delay limit. determining whether a delayed debit transaction is possible based on the The tanking processing unit of the delayed server sets the delayed debit transaction. If it is determined that the delayed debit transaction is possible, The transaction amount of the unsettled transaction is recorded in the unsettled transaction data together with the user's account information and the settlement date. a tanking step for storing the data in a database; When the settlement date arrives, the information output unit of the delayed server outputs the transaction amount to the outputting a direct debit instruction to the banking system to debit the user's account; , Equipped with.

[0020] The delayed debit payment program according to the present invention comprises: Communicate with the user terminal to accept the user's setting of whether or not to perform a delayed debit transaction Delayed servers that can be connected Acquire cashless transaction information including the transaction amount of the cashless transaction by the user an information acquisition unit; Based on the user's cashless transaction usage status, a debit card for delayed debit transactions is generated. a delay frame determination unit that determines a delay frame; Delayed debit transactions are possible based on the transaction amount and the delayed limit. a transaction permission determination unit that determines whether or not The delayed debit transaction is set to be performed, and the delayed debit transaction is If it is determined that the cashless transaction is possible, the transaction amount of the cashless transaction is transferred to the user's account. The tanking process is performed by storing the transaction information in the unsettled transaction database along with the account information and settlement date. a linking processing unit, and When the settlement date arrives, an account number is created to withdraw the transaction amount from the user's account. an information output unit for outputting a withdrawal instruction to the bank system; Function as.

[0021] The delayed debit payment program according to the present invention comprises: A user terminal connected to the delayed server so as to be able to communicate with the delayed server, Cashless transactions determined to be possible for debit and delayed debit transactions Displays a screen to select a delayed debit or debit transaction for the transaction The display control unit functions as a display control unit. [Effects of the Invention]

[0022] According to the present invention, a delayed debit transaction that is flexible and convenient for users is provided. It is possible. [Brief explanation of the drawings]

[0023] [Figure 1] 1 is a diagram showing a schematic configuration of a delayed debit payment system according to an embodiment. FIG. [Figure 2] FIG. 2 is a functional block diagram of a user terminal according to the embodiment. [Figure 3] 10A and 10B are diagrams showing an example of a screen of a user terminal according to an embodiment. [Figure 4] FIG. 2 is a functional block diagram of a delayed server according to the embodiment. [Figure 5] 3 is an example of a user information database according to the embodiment. [Figure 6] 10 is an example of an unsettled transaction database according to an embodiment. [Figure 7] FIG. 1 is a sequence diagram illustrating a delayed debit payment method according to an embodiment. [Figure 8] FIG. 8 is a sequence diagram illustrating the delayed debit payment method according to the embodiment, following FIG. 7. [Figure 9] 10A and 10B are diagrams showing an example of a screen of a user terminal according to an embodiment. [Figure 10] FIG. 10 is a sequence diagram illustrating a delayed debit payment method according to a first modified example of the embodiment. [Figure 11] FIG. 10 is a diagram illustrating an example of a screen of a user terminal according to the embodiment. [Figure 12] FIG. 10 is a sequence diagram illustrating a delayed debit payment method according to a second modification of the embodiment. [Figure 13] FIG. 10 is a diagram illustrating an example of a screen of a user terminal according to the embodiment. [Figure 14] 10A and 10B are diagrams showing an example of a screen of a user terminal according to an embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0024] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

[0025] <Delayed debit payment system> First, referring to FIG. 1, a schematic diagram of a delayed debit payment system 1 according to an embodiment will be described. The configuration of the delayed debit payment system 1 is explained below. When a cashless transaction is made in the Delayed Debit Transaction (hereinafter simply referred to as "Delayed Debit Transaction"), It is designed to enable "raid trading."

[0026] The delayed debit payment system 1 includes a user terminal 10, a delayed server 20, and The system includes a bank system (accounting system) 30 and a purchasing site server 40. The delayed server 20 receives the data via a communication network NW such as the Internet or a dedicated line. The user terminal 10 and the purchase site server 40 are connected to each other so as to be able to communicate with each other. The form (wired, wireless, etc.) and communication protocol are not particularly limited.

[0027] The user terminal 10 is an information processing terminal used by a user, for example, a smartphone. , tablet terminals, desktop computers, laptop computers, etc. The user terminal 10 is a smartphone. As will be described in detail later, the user terminal 10 , setting whether to conduct delayed debit transactions (hereinafter simply referred to as "delay setting" .) from the user. While the delay setting is on, All cashless transactions will be delayed debit transactions.

[0028] In this embodiment, cashless transactions are carried out using a debit card (Visa debit). In addition, in this application, a delayed debit transaction is a transaction using a "maybe" card. It is also called "pay at your own pace."

[0029] If the user terminal 10 is a smartphone, register a debit card in the user terminal 10, The user terminal 10 may be configured to allow transactions to be made using a debit card.

[0030] The delayed server 20 is connected to the user terminal 10 so as to be able to communicate with the user terminal 10. The server 20, which will be described in detail later, and performs processing related to the settlement of cashless transactions with the bank system 30.

[0031] The bank system 30 is communicably connected to the delayed server 20. When the system 30 receives the instruction to debit the account from the delayed server 20, it debits the user's account. The transaction amount for the cashless transaction is debited.

[0032] The purchase site server 40 is connected to the delayed server 20 so as to be able to communicate with the purchase site server 40. When a user performs a cashless transaction at a store or an e-commerce site, the site server 40 The payment data (cashless transaction information) is transmitted to the delayed server 20. The data includes the transaction amount for cashless transactions. Other payment data includes transaction time, store Store / EC site identification information, user account information and cashless payment method (card, etc.) ) information may be included.

[0033] The user terminal 10 and the delayed server 20 will be described in detail below. .

[0034] <User terminal 10> The user terminal 10 will be described with reference to the functional block diagram of FIG.

[0035] The user terminal 10 includes a processing unit 11, a communication unit 12, a display unit 13, and a storage unit 14. are.

[0036] The processing unit 11 includes an information receiving unit 111 that receives information input by a user, and a desired The display control unit 112 controls the display unit 13 to display the information.

[0037] The communication unit 12 exchanges information with the delayed server 20 by wireless or wired communication. The communication unit 12 is an interface for transmitting and receiving data. is not particularly limited.

[0038] The display unit 13 displays various information such as a GUI (Graphical User Interface) that accepts user operations. The display unit 13 displays various images and information. For example, the display unit 13 may be a liquid crystal display, an organic EL display, or the like. It consists of a spray, a CRT (Cathode Ray Tube) display, etc.

[0039] The storage unit 14 is connected to the processing unit 11 and stores various information (processing The memory unit 14 stores the programs executed by the processor 11, the data used, etc. It consists of semiconductor memory and / or hard disk drives, etc.

[0040] In this embodiment, an application of a bank where the user has an account is installed on the user terminal 10. By launching the app, users can check their account balance, cashless transactions, and It is possible to check the history. Figure 3(a) and Figure 3(b) are example screens of the app. This screen shows the debit card usage history, with the monthly usage amount displayed on the screen. The amount in the center of the screen (3,300 yen) is for the selected month (October). The bottom of the screen shows the amount of the debit transaction. The withdrawal details (e.g. Supermarket XX 2,200 yen) are displayed.

[0041] In the center of the screen in Figure 3(a), the words "Pay at your own pace" are displayed, and next to it is a toggle switch. When the user slides the toggle switch TS to the right, the As shown in b), the self-paced payment, or delayed payment setting, is turned on. When the node setting is changed, the user terminal 10 sends information indicating this to the delayed server 20. Upon receiving the information, the processing unit 21 of the delayed server 20 sends the user Update the information database 231. Also, when the delay setting is turned on, The text T1, "Debit your account at the appropriate time," can be selected. When T1 is selected (tapped, etc.), the screen transitions to the immediate payment screen (Figure 9(a) described below).

[0042] <Delayed Server 20> Next, the delayed server 20 will be described with reference to the functional block diagram of FIG.

[0043] The delayed server 20 includes a processing unit 21, a communication unit 22, and a storage unit 23.

[0044] The processing unit 21 includes an information acquisition unit 211, a delayed quota determination unit 212, and a transaction permission determination unit 213. 13, a tanking processing unit 214, and an information output unit 215. The processing unit 21 is configured by a processor, and reads out a program from the storage unit 23 and executes it. By executing the programs, the functions corresponding to the programs are realized. This may be realized by a plurality of servers that can communicate with each other working together.

[0045] The communication unit 22 communicates with the user terminal 10 and the bank system 30 via wireless or wired communication. , a purchase site server 40, etc., and an interface for transmitting and receiving information to and from an external information processing device. The communication method and standard used by the communication unit 22 are not particularly limited.

[0046] The storage unit 23 is composed of a semiconductor memory and / or a hard disk drive, etc. In this embodiment, each function executed by the processing unit 21 can be executed by a computer. The information is stored in the storage unit 23 in the form of a program that can be used.

[0047] The storage unit 23 also includes a user information database 231 and an unsettled transaction database 232. 232 is stored in the user information database 231. The unsettled transaction database 232 is a database of delayed debit transactions. It is a database that stores information on unsettled cashless transactions.

[0048] 5 shows an example of the user information database 231. In this example, In addition, identification information (user ID), delay settings, cashless transaction information (settled, unsettled) Settlement), delayed quota and unpaid information (unpaid flag) are stored. The "setting" is updated in response to the operation of the toggle switch TS displayed on the user terminal 10. The "cashless transaction information" is the cashless transaction information received from the purchase site server 40. Information based on the transaction information is stored. "Delayed quota" is the delayed quota determination The delayed limit (delayed debit transaction limit) determined by the unit 212 is stored. The "unpaid" is initially set to "none", but the delayed server 20 If you receive a notification from the system 30 that the account debit processing could not be completed, the status will be "Yes". do.

[0049] FIG. 6 shows an example of the unsettled transaction database 232. In this example, the transaction approval / disapproval For each transaction determined by the determination unit 213 as being possible for a delayed debit transaction, Information for debiting accounts (transaction amount and debit account information) is stored. The "settlement date" is, for example, a fixed date (here, the 10th) of the month following the month in which the transaction occurred. The "settlement date" may also be a date designated by the user.

[0050] Next, each part of the processing unit 21 of the delayed server 20 will be described in detail.

[0051] The information acquisition unit 211 is connected to the user terminal 10, the bank system 30, and the purchase site server 40. For example, when a cashless transaction occurs at a store, The acquisition unit 211 acquires the cashless transaction amount of the user transmitted from the purchase site server 40. The cashless transaction information including the transaction amount is obtained.

[0052] The information acquisition unit 211 acquires delayed settings, immediate payment instructions, etc. from the user terminal 10. Here, immediate payment instructions mean that the transaction amount is paid immediately to the user regardless of the delay setting. A direct debit instruction for immediate debit from an account, not a discretionary payment instruction or discretionary payment instruction. The information acquisition unit 211 also receives a debit instruction from the bank system 30. Obtain results, etc.

[0053] The delayed quota determination unit 212 determines the delayed quota (usable limit) for delayed debit transactions. In detail, the delayed limit determination unit 212 determines the amount of cashless transactions of the user. The delayed limit will be determined based on the cashless transaction usage status. In terms of form, it is the usage status of a debit card. Number of times of debit card transactions, number of categories of participating stores (number of industries), The delayed limit is determined based on at least one of the amount of use and the number of months of use. The number of debit card transactions is the sum of the number of debit and delayed debit transactions. You can use a total of 100,000 yen or only delayed debit transactions (or only debit transactions). It may also be the number of times.

[0054] In this way, the delayed quota determination unit 212 determines the usage status of cashless transactions by the user. In this embodiment, the limit amount of the delayed debit transaction is determined based on the The raid limit determination unit 212 determines the amount of the raid limit regardless of the balance of the user's account (i.e., regardless of the account balance). This will allow users to use cashless transactions more efficiently. The delayed frame determination unit 212 can allocate appropriate frames depending on the situation. The delay frame may be determined based on the user's attributes (age, occupation, etc.). The code frame determination unit 212 uses a trained model (so-called AI) obtained by machine learning. A delayed frame may be determined.

[0055] The delay frame determination unit 212 may review the delay frame at an appropriate timing. For example, the delayed quota determination unit 212 may determine a predetermined period based on the cashless transaction usage status. The delay frame determination unit 212 also increases or decreases the delay frame for each delay. The delayed frame may be increased or decreased when a request to review the idle frame is made.

[0056] The transaction permission determination unit 213 determines whether a transaction is possible or not, whether it is a normal transaction (debit transaction) using a debit card, Regarding debit transactions, the transaction permission determination unit 213 determines whether the transaction is permitted or not. For example, if the store or e-commerce site does not accept debit cards, If the limit is exceeded or the transaction amount exceeds the user's account balance, the debit It is determined that the transaction is not possible.

[0057] Furthermore, the transaction permission determination unit 213 determines the transaction amount and the debit amount for a delayed debit transaction. Based on the delayed debit limit, it is determined whether a delayed debit transaction is possible. The transaction permission determination unit 213 determines whether the transaction amount of the cashless transaction is greater than or equal to the delayed limit. Delayed debit transactions are possible if the amount is less than the amount minus the unsettled amount of the raid debit transaction. It is determined that

[0058] The tanking processing unit 214 is configured to process the delayed debit transaction by the cash advance. Tanking of certificate transactions is performed. For details, see the settings for delayed debit transactions. If it is determined that a delayed debit transaction is possible, the tanking processing unit 214 records the transaction amount of a cashless transaction along with the user's account information and settlement date in an undetermined format. The transaction data is stored in the transaction database 232.

[0059] The information output unit 215 is connected to the user terminal 10, the bank system 30, and the purchase site server 40. For example, the information output unit 215 outputs various information to the user terminal 10. The cashless transaction information of the database 231 is output. The information output unit 215 outputs an instruction to debit the account to the bank system 30. For example, the information output unit 215 When the settlement date arrives, the transaction amount is deducted from the user's account based on the withdrawal database 232. When the settlement date arrives, the bank system 30 outputs a debit instruction to the bank system 30. An instruction to debit an account via this method is also called a "periodic settlement instruction."

[0060] The information output unit 215 may output an immediate payment instruction in response to a user request even after the tanking process. The user may then output a message to the bank system 30. When the information receiving unit 111 of the terminal 10 receives an instruction for immediate payment of a cashless transaction, The information output unit 215 outputs a direct debit instruction for immediately debiting the transaction amount from the user's account. In this case, the delayed quota determination unit 212 may output the delayed The amount of the transaction debited from the user's account will be used as the delayed limit, with the raid limit as the upper limit. The balance of the delayed limit may be restored after the debit instruction is issued. Alternatively, after receiving a report from the bank system 30 that the account debit processing has been completed, After the withdrawal process is completed, the tanking processing unit 214 may The record relating to the transaction is deleted from the database 232.

[0061] <Delayed debit payment method> 7 and 8, the delayed debit payment system described above will be described. An example of a payment method using the method 1 will be explained. The delayed server 20 receives the cashless transaction information from the purchase site server 40. The process starts from the step after the reception. The delay time is determined in advance.

[0062] Step S11: The transaction permission determination unit 213 of the delayed server 20 determines whether the debit transaction is permitted. In this step, for example, it is determined whether a debit card can be used. If you are using a store, your debit card may be temporarily suspended if you exceed the limit. In this case, if the personal identification numbers are different, the transaction permission determination unit 213 determines that the debit transaction is not permitted. Make a judgment.

[0063] If it is determined that the debit transaction is not possible (S11: No), the delayed server 20 The information output unit 215 outputs a message to the purchase site server 40 indicating that the transaction is not possible. The message may be output to the user terminal 10. The user terminal 10 displays the message on the display unit 13. On the other hand, if a debit transaction is possible, If it is determined that this is the case (S11: Yes), the process proceeds to step S12.

[0064] Step S12: The transaction permission determination unit 213 determines whether the delay setting is ON. (i.e., whether or not a delayed debit transaction is set up) For example, the determination is made by referring to the "delay setting" in the user information database 231. If the delayed setting is on (S12: Yes), the process proceeds to step S13. On the other hand, if the delayed setting is OFF (S12: No), the process proceeds to step S14.

[0065] Step S13: The transaction permission determination unit 213 determines whether the transaction is a delayed debit transaction (delayed transaction For example, the transaction permission determination unit 213 determines whether cashless payment is possible. Delayed debit transactions are possible based on the transaction amount and delayed limit in the transaction information. The transaction permission determination unit 213 determines whether or not the transaction is permitted. If the "Unpaid" column is "Yes", it may be determined that a delayed debit transaction is not possible.

[0066] If it is determined that delayed trading is possible (S13: Yes), the delayed server 20 sends a request to the banking system for a validity check. On the other hand, delayed transactions are not possible. If it is determined that there is (S13: No), the information output unit 215 of the delayed server 20 A message stating that the transaction is not possible (cashless transaction is not possible) is sent to the purchase site server 40. The message may be output to the user terminal 10.

[0067] The bank system 30 receives a request for validity check from the delayed server 20. The validity check is performed (step S22). Meet the general conditions for card transactions, such as whether the card has been reported lost or stolen It is checked whether

[0068] If the validity check is cleared (S22: OK), the bank system 30 notifies the user of this fact. In this case, the delayed server 20 performs step S15. On the other hand, if the validity check is not cleared (S22: NG), a message to that effect is sent to the In this case, the delayed server 20 sends a message to the effect that the transaction is not possible. The message is sent to the purchasing site server 40.

[0069] Step S14: The transaction permission determination unit 213 of the delayed server 20 determines whether or not the transaction is permitted by a normal debit transaction. In this step, for example, it is determined whether the transaction amount is within the user's account. If the balance is exceeded, the transaction permission determination unit 213 determines that a normal debit transaction is not permitted. .

[0070] If it is determined that a normal debit transaction is not possible (S14: No), The information output unit 215 of the purchase site server 20 outputs a message to the purchase site server 40 indicating that the transaction is not possible. On the other hand, if it is determined that a normal debit transaction is possible (S14: Yes), The delayed server 20 sends the account debit instruction to the bank system 30. When the instruction for debiting the account is received, the system performs the debit process (step S21). When the withdrawal process is completed normally, the bank system 30 sends a withdrawal completion notice to the delayed server 2. Send to 0.

[0071] Step S15: The tanking processing unit 214 of the delayed server 20 Tanking processing is performed for cashless transactions that are determined to be eligible for cashless transactions. The tanking processing unit 214 calculates the transaction amount of the cashless transaction based on the user's account information and The transaction amount is stored in the unsettled transaction database 232 together with the settlement date.

[0072] Step S16: The processing unit 21 (for example, the information output unit 215) of the delayed server 20 For example, the information output unit 215 determines whether the settlement date has arrived. The base 232 is referenced to determine whether there is a record whose settlement date has arrived. If it is determined that the settlement date for the cashless transaction has arrived (S16: Yes), On the other hand, if the settlement date has not yet arrived (S16: No), proceed to step S17. Proceed to step S18.

[0073] Step S17: The information output unit 215 outputs an account debit instruction to the bank system 30. When the bank system 30 receives the instruction to debit the account, it performs the debit process (step If the account debit process is completed successfully, the bank system 30 sends a debit completion notice. The delayed server 20 may receive the withdrawal completion notification. After the transaction is cleared, the record of the transaction in the unsettled transaction database 232 may be deleted. stomach.

[0074] Step S18: The processing unit 21 (for example, the information acquisition unit 211) checks whether there is an immediate payment instruction. The delayed server 20 receives an immediate payment instruction from the user terminal 10. If it is determined that the number of the digits is 1 or 2 (S18: Yes), the process proceeds to step S17. 18: No), return to step S16.

[0075] The user transmits an immediate payment instruction from the user terminal 10 to the delayed server 20. For example, on the screen of FIG. 3(b) described above, if the user selects "Settings When you tap the text T1 that says "Debit your account at the time of payment," the screen shown in Figure 9(a) appears. This screen shows all pending delayed debit transactions (i.e., Transactions stored in the pending transaction database 232 are displayed. Each transaction has a "Payment" The user can tap the button for the transaction they want to settle immediately. When the user taps the button, the screen shown in Figure 9(b) will appear. When the user taps the "Pay" button B3, the user terminal 10 issues an immediate payment instruction for the transaction. to the delayed server 20.

[0076] In this manner, in this embodiment, the user terminal 10 (the information receiving unit 111) It is configured to accept individual transactions for immediate payment from among the cashless transactions. .

[0077] The processing flows in Figures 7 and 8 are merely examples, and various modifications are possible. The process of step S14 (checking whether the transaction amount exceeds the user's account balance) is This may be done in step S11, in which case step S14 may be omitted.

[0078] Also, step S13 (determining whether or not a delayed transaction is possible) is the same as step S12 (delayed This can be done before (checking the settings).

[0079] Also, in step S21 (debiting an account by debit transaction) in the bank system 30 Before the transaction, the bank system 30 checks for card loss, death, etc., and confirms that there are no problems. Step S21 may be performed if the bank system The validity check in the system 30 may be omitted.

[0080] In addition, if the account debit process cannot be performed due to insufficient balance in the bank system 30, The bank system 30 may transmit to the delayed server 20 a notice that the account withdrawal is not possible. In this case, the delayed server 20 changes the "unpaid" column of the user information database 231 to The answer is "yes."

[0081] In addition, in order to prevent double transactions, in step S12 or S13, unsettled data You may also verify that it is an advanced debit transaction.

[0082] <Action and effect> As described above, in this embodiment, the user terminal 10 receives delayed data from the user. The delayed server 20 receives a setting as to whether or not to perform bit trading. Obtain cashless transaction information including transaction amount for cashless transactions and Based on the usage status of delayed debit transactions, the system determines the delayed limit for delayed debit transactions and determining whether a delayed debit transaction is possible based on the amount and the delayed limit; Delayed debit transactions are enabled and configured to be performed. If it is determined that the transaction amount is a cashless transaction, the transaction amount will be calculated based on the user's account information and settlement date. When the settlement date arrives, the transaction is stored in the unsettled transaction database. outputting a direct debit instruction to the bank system 30 to debit the user's account with the amount of the withdrawal; do.

[0083] In this way, the user terminal receives a setting from the user as to whether or not to perform a delayed debit transaction. The user has the option to perform a delayed debit transaction or not. You can choose when you want to use the service. The delayed limit is determined based on the user's cashless transaction usage, The company can use delayed debit transactions in response to cashless transactions. .

[0084] Therefore, according to this embodiment, a delayed device that is flexible and convenient for users can be provided. It is possible to offer online transactions.

[0085] Next, two modifications of the embodiment will be described.

[0086] <Variation 1> In the above embodiment, if it is determined in step S13 that delayed debit transactions are not permitted, If this is the case, the transaction will be rejected and the cashless transaction will not be completed. In this modified example, even if delayed debit transactions are not permitted, debit transactions are possible. If you do, the debit transaction will be automatically performed.

[0087] FIG. 10 is an example of a sequence diagram showing the process according to the first modification. If it is determined that a delayed debit transaction is not possible (S13: No), The difference from the embodiment is that the transaction permission determination unit 2 proceeds to step S14. If the 13 determines that a normal debit transaction is possible, the delayed server 20 debits the account. A withdrawal instruction is sent to the bank system 30.

[0088] FIG. 11 shows an example of a screen displayed on the user terminal 10 after the account debit process. On this screen, a debit transaction (immediate withdrawal) will be performed due to the excess of the delayed available amount. the date and amount of the withdrawal, as well as the available balance for delayed debit transactions. Also, at the bottom of the screen, you can see if the delayed limit has been returned by voluntary settlement (prepayment). If you tap the text T2 on the screen, a diagram for optional payment will appear. You will be redirected to screen 9(a).

[0089] As described above, according to the first modification, even if a delayed debit transaction is not possible, If debit transactions are possible, complete the cashless transaction by performing a debit transaction. This results in a more flexible and convenient delayed debit system for users. The processing flow in FIG. 11 is an example, and the processing flow described in the embodiment is Similar variations to those mentioned above can be made.

[0090] <Variation 2> In the above embodiment, a delayed debit transaction is set up (i.e., a delayed If the Delayed Debit setting is on and it is determined that a Delayed Debit transaction is possible, the Delayed Debit In contrast, in this modified example, even in such a case, For each cashless transaction, the user is asked whether to perform a debit transaction or a delayed debit transaction. The difference is that you are asked to choose whether to withdraw.

[0091] FIG. 12 is an example of a sequence diagram showing a process according to the second modification. In step S11, the determination in step S14 described in the embodiment is also performed. In step S11, the transaction permission determination unit 213 determines whether or not a debit card can be used at a store or an Whether it is a C site, whether the debit card limit is exceeded, and the transaction Determine whether the amount exceeds the user's account balance, and if so, debit The transaction is deemed unacceptable.

[0092] As shown in FIG. 12, in this modification, a delayed debit transaction is performed in step S13. If it is determined that the delay is possible, the process proceeds to step S13a. The processing unit 21 (for example, the information acquisition unit 211) of the debit server 20 receives the debit transaction and the debit This determination is made by the user terminal 10. This selection is based on the selection information received from the user when making a debit transaction and The selection information indicates whether you want a delayed debit transaction or a cash transaction. The user terminal 10 generates the message in response to the user's operation and transmits it to the delay server 20. can be.

[0093] FIG. 13 shows an example of a screen for the user to select a transaction type. and the date and time of the cashless transaction and the transaction amount (amount used), A button B4 that says "Pay" and a button B5 that says "Pay Now" are displayed. When the user taps the button B4, the user terminal 10 selects a delayed debit transaction. On the other hand, when the user touches the button B5, the information that the When the user presses the button, the user terminal 10 sends information that a debit transaction has been selected to the delayed server 10. Send to 20.

[0094] If it is determined in step S13a that a debit transaction has been selected, the delayed service The bank 20 sends the direct debit instruction to the bank system 30. The bank system 30 When the instruction is received, the account debit process is performed (step S21a). When the transaction is completed, the bank system 30 sends a withdrawal completion notice to the delayed server 20. .

[0095] On the other hand, if it is determined in step S13a that a delayed debit transaction has been selected, The delayed server 20 then sends a request to the bank system for a validity check. The raid server 20 receives a notification from the bank system 30 that the validity check has been cleared. Then, the tanking processing unit 214 performs the tanking process (step S15).

[0096] FIG. 14(a) shows the status of the user terminal 10 when a delayed debit transaction is selected. An example of the screen is shown below. This screen shows the date and time of the cashless transaction and the transaction details. Along with the amount, the fact that it is a delayed debit transaction and the date of withdrawal of the transaction amount will be displayed. can be.

[0097] FIG. 14(b) is an example of the screen of the user terminal 10 when a debit transaction is selected. This screen example shows the date and time of the cashless transaction, as well as the transaction amount. will show that the transaction amount has been debited from the user's account.

[0098] As described above, according to Modification 2, if a delayed debit transaction is set up, Even so, users must decide whether to make each cashless transaction a debit transaction or a delayed debit transaction. This allows users to choose whether to trade in bitcoin or bitcoin, resulting in greater flexibility and convenience for users. It is possible to provide a highly convenient delayed debit transaction.

[0099] The processing flow in FIG. 12 is an example, and modifications similar to those described in the embodiment may be made. It is possible to do this.

[0100] Based on the above description, a person skilled in the art may conceive additional advantages and various modifications of the present invention. Although various modifications may be made, aspects of the present invention are not limited to the above-described embodiments. The conceptual idea of ​​the present invention derived from the content defined in the claims and its equivalents Various additions, modifications, and partial deletions are possible within the scope of the spirit.

[0101] At least the delayed debit payment system described in the above embodiment and modified example Part of the system may be configured with hardware or software. If the system is composed of software, it must perform at least some of the functions of a delayed debit settlement system. The program to be displayed is stored on a recording medium such as a flexible disk or CD-ROM, and is then The recording medium may be a magnetic disk, an optical disk, or other such removable medium. It is not limited to removable media, but may also be a fixed recording medium such as a hard disk drive or memory. stomach.

[0102] Also, a program that realizes at least some of the functions of a delayed debit payment system. may be distributed via communication lines (including wireless communication) such as the Internet. The program may be encrypted, modulated, or compressed and transmitted over the Internet or other public places. It may be distributed via wired or wireless lines, or stored on a recording medium. [Explanation of symbols]

[0103] 1. Delayed debit payment system 10 User terminal 11 Processing section 111 Information Reception Department 112 Display control unit 12 Communications Department 13 Display section 14 Storage section 20 Delayed Server 21 Processing section 211 Information Acquisition Department 212 Delayed Frame Determination Department 213 Transaction Approval Determination Department 214 Tanking Processing Section 215 Information Output Unit 22 Communications Department 23 Memory section 231 User Information Database 232 Unsettled Transaction Database 30 Banking System 40 Purchase Site Server B1, B2, B3, B4, B5 buttons NW communication network T1, T2 text TS Toggle Switch

Claims

1. A delayed debit payment system comprising a user terminal and a delayed server communicably connected to the user terminal, the user terminal includes an information receiving unit that receives a setting from a user as to whether or not to conduct a delayed debit transaction; The delayed server an information acquisition unit that acquires cashless transaction information including a transaction amount of the cashless transaction of the user; a delayed limit determination unit that determines a delayed limit for delayed debit transactions based on the cashless transaction usage status of the user, regardless of the balance of the user's account; a transaction permission determination unit that determines whether a delayed debit transaction is possible based on the transaction amount and the delayed limit; a tanking processing unit that performs a tanking process to store the transaction amount of the cashless transaction together with the user's account information and settlement date in an unsettled transaction database when the setting to perform the delayed debit transaction is set and it is determined that the delayed debit transaction is possible; an information output unit that outputs an account debit instruction to a bank system when the settlement date arrives, for debiting the transaction amount from the user's account; Equipped with The delayed debit payment system, wherein the delayed limit determination unit increases or decreases the delayed limit at predetermined intervals based on the cashless transaction usage status.

2. 2. The delayed debit payment system of claim 1, wherein the delayed limit determination unit determines the delayed limit based on at least one of the number of times the cashless transaction has been used, the number of categories of participating stores, the amount used, and the number of months of use as the cashless transaction usage status.

3. a step in which the user terminal receives a setting from the user as to whether or not to conduct a delayed debit transaction; An information acquisition unit of a delayed server communicably connected to the user terminal acquires cashless transaction information including a transaction amount of the cashless transaction of the user; a step in which a delay limit determination unit of the delayed server determines a delay limit for delayed debit transactions based on the cashless transaction usage status of the user, regardless of the balance of the user's account; a step in which a transaction availability determination unit of the delayed server determines whether a delayed debit transaction is available based on the transaction amount and the delayed limit; a step of performing a tanking process in which, when the tanking processing unit of the delayed server is set to perform the delayed debit transaction and it is determined that the delayed debit transaction is possible, the transaction amount of the cashless transaction is stored in an unsettled transaction database together with the user's account information and settlement date; an information output unit of the delayed server outputting an account debit instruction to a bank system when the settlement date arrives, for debiting the transaction amount from the user's account; wherein the delayed limit determination unit increases or decreases the delayed limit at predetermined intervals based on the cashless transaction usage status.

4. a delayed server communicably connected to a user terminal that accepts a setting from a user as to whether or not to perform a delayed debit transaction; an information acquisition unit that acquires cashless transaction information including a transaction amount of the cashless transaction by the user; a delayed limit determination unit that determines a delayed limit for delayed debit transactions based on the cashless transaction usage status of the user, regardless of the balance of the user's account; a transaction permission determination unit that determines whether a delayed debit transaction is possible based on the transaction amount and the delayed limit; a tanking processing unit that performs a tanking process to store the transaction amount of the cashless transaction together with the user's account information and settlement date in an unsettled transaction database when the delayed debit transaction is set to be performed and it is determined that the delayed debit transaction is possible; and an information output unit that outputs an account debit instruction to a bank system when the settlement date arrives, for debiting the transaction amount from the user's account; and the delayed limit determination unit increases or decreases the delayed limit at predetermined intervals based on the cashless transaction usage status.

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