Payment processing management system and method

Abstract

We provide secure payment processing services. [Solution] A payment agency management system according to one embodiment of the present invention includes: a payment data acquisition unit that acquires payment data indicating the amount to be paid by a service user to a business partner from a payment agency system; a deposit data acquisition unit that acquires deposit data indicating a deposit by transfer, direct debit, or immediate direct debit from the service user's account to a financial institution account; a deposit confirmation unit that matches the payment data and the deposit data to confirm that the payment amount has been deposited into the financial institution account; and an approval unit that, upon confirming that the payment amount has been deposited into the financial institution account, determines that the service user's intention to pay has been confirmed and approves the payment from the financial institution account to the business partner's account.

Claims

1. A payment data acquisition unit obtains payment data from the payment processing company system that shows the amount paid by the service user to the business partner, A deposit data acquisition unit acquires deposit data indicating deposits made by transfer, direct debit, or instant direct debit from the account of the service user to a financial institution account. A deposit confirmation unit matches the payment data with the deposit data to confirm that the payment amount has been deposited into the financial institution account. Upon confirming that the aforementioned payment amount has been deposited into the aforementioned financial institution account, the service user's intention to pay is confirmed, and an approval department approves the payment from the aforementioned financial institution account to the aforementioned trading partner's account. A payment processing management system equipped with [features / equipment].

2. The aforementioned payment was made by bank transfer. The aforementioned financial institution account is a deposit account, The payment agency management system according to claim 1, wherein each financial institution account is assigned a transfer account number for each service user.

3. The aforementioned payment was made by bank transfer. The payment agency management system according to claim 1, further comprising a refund processing unit that obtains approval from the payment agency system for a refund from a financial institution account for refunds to the account of the service user, and instructs the internet banking system to make the refund.

4. The aforementioned payment was made by bank transfer. The payment agency management system according to claim 1, wherein the payment agency system instructs the internet banking system to refund funds from a financial institution account for refunds to the account of the service user.

5. The aforementioned payment was made by bank transfer. The payment agency management system according to claim 1, further comprising: a refund processing unit that obtains refund data indicating a refund to the service user from the payment agency system, matches it with unpaid refunds, and instructs the internet banking system to issue a refund based on the results of the matching.

6. The aforementioned payment will be made by bank transfer or immediate bank transfer. The payment agency management system according to claim 1, further comprising an account transfer processing unit that issues an instruction for account transfer to an internet banking system, or an instruction for immediate account transfer to an immediate account transfer system.

7. A method performed by a payment processing management system, This involves obtaining payment data from the payment processing company's system that shows the amount paid by the service user to the business partner, and The acquisition of deposit data indicating deposits made by transfer, direct debit, or instant direct debit from the service user's account to a financial institution account, The payment data and the deposit data are compared to confirm that the payment amount has been deposited into the financial institution account. When the aforementioned payment amount is deposited into the aforementioned financial institution account, the payment from the aforementioned financial institution account to the aforementioned trading partner's account will be authorized. A method that includes this.

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