Payment server, balance management method, and program

The payment server's balance management unit addresses the issue of unmanaged excess deposits by adding them to a temporary balance, ensuring proper fund management and user visibility, thereby preventing over-limit situations.

JP7789986B1Active Publication Date: 2025-12-22PAYPAY CO LTD
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Patent Information

Application Number
JP2025147696
Authority / Receiving Office
JP · JP
Patent Type
Patents
Current Assignee / Owner
Filing Date
2025-09-05
Publication Date
2025-12-22
Estimated Expiration
2045-09-05

AI Technical Summary

Technical Problem

Conventional balance management systems fail to recognize and manage deposit amounts exceeding the upper limit, leading to unaccounted remaining funds that require manual notification, thus inadequately managing the user's balance.

Method used

A payment server with a balance management unit that monitors charge balances and adds deposit amounts only if they do not exceed an upper limit, otherwise adding excess to a temporary balance, ensuring appropriate management and visibility of accumulated funds.

Benefits of technology

The system effectively manages and displays accumulated funds, preventing over-limit situations by adding excess to a temporary balance, making it easier for users to avoid exceeding limits and facilitating automated withdrawal.

✦ Generated by Eureka AI based on patent content.

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Abstract

To appropriately manage an amount of money that has accumulated due to the convenience of balance management processing. [Solution] A payment server that cooperates with a payment app running on a user's terminal device and provides electronic payment services using a fund source including a charge balance charged by the user, and after determining that the amount of the charge balance plus the deposit amount related to a deposit event does not exceed an upper limit, if the charge balance increases due to another event before the deposit amount related to the deposit event is added to the user's charge balance and the amount of the increased charge balance plus the deposit amount related to the deposit event exceeds the upper limit, the payment server adds the amount exceeding the upper limit to a temporary balance that is included in the calculation of the electronic payment service operator's debt.
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Citation Information

Patent Citations

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    JP2007209445A

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