Payment server, payment method, and program

Abstract

To improve user convenience. [Solution] A payment server comprising: an acquisition unit that acquires first information relating to a payment, including the first payment amount of the goods or services to be purchased by the user using the electronic payment service and user identification information for identifying the user, from either or both of a user terminal device operated by the user and a terminal device of a merchant of the electronic payment service, and second information indicating that the payment of the first information has been confirmed from the merchant's terminal device; and a processing unit that, when the first information is acquired, sends an instruction to a financial institution server to move the first payment amount from the bank account of the user identification information to a temporary receiving account for temporary receipt, thereby moving the first payment amount to the temporary receiving account, and when the second information is acquired, sends an instruction to a financial institution server to move the first payment amount from the temporary receiving account to the bank account of the electronic payment service, thereby moving the first payment amount to the bank account of the electronic payment service.

Description

Technical Field

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

Background Art

[0002] Conventionally, an electronic payment service using a user terminal device owned by a user has been known. For example, in Patent Document 1, a code information such as a barcode or a QR code (registered trademark) is displayed on a user terminal device, and an electronic payment system that executes electronic payment by having a store terminal device installed in a store read the code information has been proposed.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the electronic payment system described in Patent Document 1, although electronic payment using electronic money can be performed, account settlement of a financial institution cannot be used, which may be inconvenient for users.

[0005] The present invention has been made in consideration of such circumstances, and one of the objectives is to provide a settlement server, a settlement method, and a program that can provide account settlement of a financial institution and improve convenience for users.

Means for Solving the Problems

[0006] One aspect of the present invention is a payment server comprising: an acquisition unit that acquires first information relating to a payment, including a first payment amount for a product or service that the user intends to purchase using the electronic payment service, and user identification information for identifying the user, from either or both of a user terminal device operated by the user and a terminal device of a merchant of the electronic payment service, and acquires second information from the merchant's terminal device indicating that the payment of the first information has been confirmed; and a processing unit that, when the first information is acquired, sends an instruction to a financial institution server to move the first payment amount from the bank account of the user identification information to a temporary receiving account, thereby moving the first payment amount to the temporary receiving account, and when the second information is acquired, sends an instruction to a financial institution server to move the first payment amount from the temporary receiving account to the bank account of the electronic payment service, thereby moving the first payment amount to the bank account of the electronic payment service. [Effects of the Invention]

[0007] According to one aspect of the present invention, a payment server, a payment method, and a program can be provided that can improve user convenience. [Brief explanation of the drawing]

[0008] [Figure 1] This diagram shows an example of a configuration for implementing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payments. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payments. [Figure 4] This is a diagram showing the configuration of payment server 100. [Figure 5] This figure shows an example of the contents of user information 182. [Figure 6] This diagram shows an example of the contents of merchant / store information 186. [Figure 7] This is a diagram illustrating the configuration of the financial institution server 300. [Figure 8] This figure shows an example of the contents of user account information 371. [Figure 9] This figure shows an example of the contents of merchant account information 372. [Figure 10] This figure shows an example of the contents of payment history information 374. [Figure 11] This is a sequence diagram showing an example of the process flow for account settlement. [Figure 12] This flowchart shows the details of the processing performed by financial institution server 300. [Figure 13] This flowchart shows the details of the processing performed by financial institution server 300. [Figure 14] This is a sequence diagram illustrating the process when a cancellation occurs before the sale is finalized. [Figure 15] This is a sequence diagram illustrating the process when a cancellation occurs after a sale has been confirmed. [Figure 16] This is a sequence diagram illustrating the process when the amount is changed. [Figure 17] This is a sequence diagram illustrating the process when the amount is changed. [Figure 18] This is a sequence diagram illustrating an example of account balance settlement via store scan. [Figure 19] This sequence diagram shows an example of account balance settlement via user scan. [Figure 20] This is a diagram to explain compensation provided by guarantee institutions. [Modes for carrying out the invention]

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

[0010] [Electronic Settlement Service] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic settlement service. The electronic settlement service is realized centering around a settlement server 100. The settlement server 100 communicates with each of, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and a financial institution server 300 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc.

[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, the settlement application 20 is executed by a processor such as a CPU, and operates to provide an electronic settlement service to the user in cooperation with the settlement server 100. The settlement application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, etc.

[0012] The first store terminal device 50 is installed in a store, for example. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).

[0013] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet, personal computer, etc. The affiliated store interface 72 operates on the second store terminal device 70. The affiliated store interface 72 may be an affiliated store application or a browser. The affiliated store interface 72 accepts coupon settings etc. from the affiliated store operator and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image by running the affiliated store application, or reading a code image displayed by the user terminal device 10.

[0014] The payment server 100 implements electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a merchant server, in which case payment information is transmitted from the POS device to the payment server 100 via the merchant server. In the following description, this distinction will not be made, and it will be assumed that payment information is transmitted from the first store terminal device 50.

[0015] Figures 2 and 3 are sequence diagrams illustrating the general flow of electronic payments. There may be two patterns for electronic payments: Pattern 1 and Pattern 2.

[0016] In the case of Pattern 1 shown in Figure 2 (hereinafter referred to as User Scan), the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 contains information about the store URL (Uniform Resource Locator). This store URL is an electronic payment service domain to which information that can identify the store has been added, and is associated with the merchant ID and store ID, etc., at the payment server 100 (described later). The payment application 20 sends the first payment information, including the store URL and account ID, to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the merchant ID and store ID corresponding to the store URL, obtains the merchant name and store name information (S3), and sends it to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen where the merchant name and store name are displayed (S5). The user terminal device 10 then generates second payment information, including at least the payment amount, and sends it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). If the store code image 60 is displayed on a display placed in the store, the store code image 60 may include payment amount information as well as the store URL. In this case, the procedure for the user to enter the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Merchant name and store name information may be included and displayed on the payment completion screen.

[0017] In the case of Pattern 2 shown in Figure 3 (hereinafter referred to as Store Scan), when the payment app 20 is launched, when a payment operation is performed in the payment app 20, when it is time for an automatic update (for example, every minute), and at other times, the payment app 20 sends a request to the payment server 100 to issue a one-time code (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image such as a QR code or barcode that was generated based on the one-time code (S14). The user holds the display surface of the user terminal device 10 over the first store terminal device 50 (presents it), and the first store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including the one-time code, payment amount, merchant ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is obtained in advance by barcode scanning or manual input. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs the electronic payment (S17). The payment server 100 then sends a payment completion notification to the payment app 20 (S18), and the payment app 20 displays a payment completion screen (S19).

[0018] Furthermore, electronic payment may be performed using only one of the above patterns. Also, the "account ID" and "user ID" explained in Figure 2 may be other information that can be used as user identification information (for example, a phone number). In addition, the issuance of a one-time code may be omitted during store scanning, and the payment app 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 will identify the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0019] [Payment Server] Figure 4 is a diagram of the configuration of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content provision unit 120, a payment processing unit 130, an information management unit 140, an account linking unit 150, an acquisition unit 160, a processing unit 170, and a storage unit 180. Components other than the communication unit 110 and the storage unit 180 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit), or by the cooperation of software and hardware. The program may be stored in advance on a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device equipped with a non-transient storage medium), or it may be stored on a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed on the storage device when the storage medium is inserted into the drive device.

[0020] The storage unit 180 can be an HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 180 may also be a NAS (Network Attached Storage) device that can be accessed by the payment server 100 via the network. The storage unit 180 stores information such as user information 182, content information 184, and merchant / store information 186. Each piece of information will be described later.

[0021] The communication unit 110 is a communication interface for connecting to a network NW. The communication unit 110 is, for example, a network interface card.

[0022] The content provision unit 120, for example, has the functionality of a web server and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10, the merchant interface 72, etc. The content provision unit 120 reads the necessary content from the content information 184 as appropriate and provides it to the target device, etc. The user terminal device 10 accepts various inputs from the user while the content is being played by the payment application 20 or a mini-application of the payment application 20, and transmits the aforementioned payment information, etc. to the payment server 100.

[0023] The payment processing unit 130 performs payment processing based on payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 182.

[0024] Figure 5 shows an example of the contents of User Information 182. User Information 182 is an example of user registration information. User Information 182 includes, for example, user URL, account ID, phone number, password, as well as email address, user ID, name, address, date of birth, registration date, charge balance, credit payment settings, credit payment limit, credit payment amount, available credit payment amount, payment method settings, bank account, credit card number, charge history information, and payment history information.

[0025] The user URL is used for processing payments between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can optionally set (or not set). Similarly, the email address, name, address, and date of birth (age) are also information that the user can optionally set (or not set). If identity verification has been performed, for example, the address and age will be the address and age confirmed through identity verification. The registration date is the date the user registered for the electronic payment service (the date the account was created). Hereafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

[0026] The charge balance is information indicating the balance of electronic money set by the user by sending money to their account in advance. Methods of sending money include sending from an ATM (Automatic Teller Machine) of a designated provider (bank) and sending from a registered bank account. The credit payment setting indicates whether or not the user has completed the settings to enable electronic payments by credit card, and is set to either "Completed" or "Not Completed". The credit payment limit is the monthly limit for credit payments, the credit payment amount is the amount already used for credit payments in the current month, and the available credit payment amount is the amount available for credit payments in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the diagram shows only one credit payment limit, in reality there are also daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be described later. The payment method setting indicates whether the user will use electronic payment with the charge balance or payment by credit card at that time. The bank account and credit card numbers, respectively, are information (account number, card number) of a bank account or credit card number that can be used to deposit funds into the electronic payment service. In addition to the bank account, user information 182 may also include information such as the name of the bank account holder, the bank name, branch name, bank identification information, and branch identification information (branch number). The charge history information is a record of when the user has previously sent money to the electronic payment service to increase the charge balance. The payment history information is information that shows the details of each payment made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0027] Figure 6 shows an example of the contents of the merchant / store information 186. The merchant / store information 186 includes, for example, a first table 206A in which the merchant ID and store ID are associated with the store URL, a second table 206B in which the merchant name and sales amount (as described above) are associated with the merchant ID, and a third table 206C in which the store name and store address are associated with the store ID. In addition to this information, the merchant / store information 186 may also include information such as the merchant or store category and payment patterns. Information indicating whether the merchant ID or store ID in the merchant / store information 186 is an online merchant (a merchant that makes payments via a network such as an e-commerce site) or an offline merchant (a merchant that makes payments at the store) may be associated with the merchant ID or store ID.

[0028] The Information Management Unit 140 acquires various information from the user terminal device 10 or the second store terminal device 70 and manages the acquired information. Based on the information acquired from the user terminal device 10 or the second store terminal device 70, the Information Management Unit 140 manages user information 182 and affiliated store / store information 186. The Information Management Unit 140 performs operations such as adding, editing, and deleting new records for user information 182 and affiliated store / store information 186.

[0029] [Electronic payment] When the payment processing unit 130 obtains payment information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 182 to obtain the user's "payment method setting". For users whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance, which is managed in association with the user ID, and increasing the value of the merchant's sales proceeds item. The merchant's sales proceeds item value is not used as electronic money itself, for example, but the amount corresponding to the sales proceeds item value is transferred to the bank account in a cycle according to the agreement between the merchant and the electronic payment service. The merchant may receive the sales proceeds as electronic money. In this case, the payment server 100 manages the account (wallet) corresponding to the merchant ID, the electronic money balance of the account, and the sales proceeds history for each payment method in association.

[0030] The payment processing unit 130 performs electronic payment as follows for users whose "settings information" is set to "credit payment". Credit payment is a payment method that cooperates with a credit card company, which is a separate entity from the operator of the electronic payment service, and allows electronic payment that does not depend on the charge balance within the credit limit. In order to use the credit payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The payment processing unit 130 adds the payment amount to the credit payment usage amount in the user information 182 and subtracts the above payment amount from the available credit payment amount. If the payment amount exceeds the available credit payment amount, an error notification is sent back to the payment app 20. The amount used by credit payment is settled, for example, in a lump sum for one month on the payment date of the following month, for example, by direct debit from the bank account. This processing is performed by the operator of the credit card company. If the user has a gift certificate that can be used at the merchant, the payment server 100 performs electronic payment using the gift certificate held. In electronic payment, the amount that is insufficient with the gift certificate is settled by other payment methods.

[0031] When the account linking unit 150 receives an account linking instruction from the payment app 20, it links the user's account ID included in the instruction with the user's financial institution account information (branch number, account number, etc.) and stores it in the user information 182. The account linking unit 330 of the financial institution server 300, described later, also receives an account linking instruction from the payment app 20 and links the user's account ID included in the instruction with the user's financial institution account information (branch number, account number, etc.) and stores it in the user account information 371. As a result, account linking between the payment server 100 and the financial institution server 300 is completed, and the user can use account balance payment.

[0032] The acquisition unit 160 acquires various information from the user terminal device 10 or the merchant's terminal device (the first store terminal device 50 or a merchant's terminal device not shown). The processing unit 170 sends instructions to the financial institution server 300 to move funds from a designated account to another account. Details of the acquisition unit 160 and the processing unit 170 will be described later.

[0033] [Financial institution server] The settlement processing unit 130 instructs the financial institution server 300 to perform account settlements for users whose "Settings" are set to "Account Settlement". The configuration of the financial institution server 300 will be described below as a prerequisite for explaining the details of account settlements.

[0034] Figure 7 is a diagram of the configuration of the financial institution server 300. The financial institution server 300 includes, for example, a communication unit 310, an account processing unit 320, an account linking unit 330, an information management unit 340, and a storage unit 370. Components other than the communication unit 310 and the storage unit 370 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as LSIs, ASICs, FPGAs, and GPUs, or by the cooperation of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device equipped with a non-transient storage medium), or it may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed in the storage device when the storage medium is mounted on a drive device.

[0035] The storage unit 370 may be an HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 370 may also be a NAS device that can be accessed by the financial institution server 300 via a network. The storage unit 370 stores information such as user account information 371, merchant account information 372, temporary receiving account information 373, and settlement history information 374.

[0036] The communication unit 310 is a communication interface for connecting to a network NW. The communication unit 310 is, for example, a network interface card.

[0037] The account processing unit 320 performs account settlement processing, such as transferring funds between accounts, based on information received from the settlement server 100 and information stored in the storage unit 370. Details of this processing will be described later. The account processing unit 320 also provides notifications regarding the above processing.

[0038] As described above, the account linking unit 330 performs account linking in cooperation with the payment server 100.

[0039] The information management unit 340 manages user account information 371, merchant account information 372, temporary receiving account information 373, and settlement history information 374. For example, the information management unit 140 adds, edits, and deletes new records for user account information 371, merchant account information 372, temporary receiving account information 373, and settlement history information 374.

[0040] [User Account Information] Figure 8 shows an example of the contents of user account information 371. User account information 371 is a collection of information such as account ID, branch number (store number), account number, deposit balance, name, address, gender, date of birth, password, and deposit / withdrawal history information. The account ID is the same information as the account ID included in user information 182 and is identification information for identifying the user. A common account ID is used in the settlement server 100 and the financial institution server 300. The branch number is a number used to identify the branch of the financial institution. The account number is a number used to identify the user's account. The deposit balance is information showing the balance of the deposit the user has made with the financial institution. The name, address, gender, and date of birth are the same information as the name, address, gender, and date of birth included in user information 182.

[0041] [Merchant Account Information] Figure 9 shows an example of the contents of the merchant account information 372. The merchant account information 372 is a collection of information such as the merchant ID, branch number (store number), account number, deposit balance, and merchant name and address. The merchant ID is the same information as the merchant ID included in the merchant / store information 196 and is identification information for identifying the merchant. A common merchant ID is used in the payment server 100 and the financial institution server 300. The branch number is a number used to identify a branch of the financial institution. The account number is a number used to identify the merchant's account. The deposit balance is information that shows the balance of the deposit that the merchant has made with the financial institution. The merchant name and address is information that shows the name of the merchant and the location of the merchant.

[0042] [Temporary Account Information] The temporary receiving account information 373 is a temporary receiving account (separate account) used to temporarily hold the settlement amount for credit purposes. The temporary receiving account is an account in the name of the user. The temporary receiving account information 373 may include, for example, information such as the branch number, account number, user identification information, and an amount corresponding to the user identification information. For example, the temporary receiving account information 373 may hold information that associates user identification information, transaction number, and amount (settlement amount).

[0043] [Payment History Information] Figure 10 shows an example of the contents of payment history information 374. Payment history information 374 is a collection of information such as transaction number, account ID, merchant ID, payment amount, confirmed / unconfirmed information, and confirmed date and time information. The transaction number is a number used to identify a transaction. The account ID is the same information as the account ID included in user information 182 and user account information 371, and is identification information used to identify the user. The merchant ID is the same information as the merchant ID included in merchant / store information 186 and merchant account information 372, and is identification information used to identify the merchant. The payment amount is the amount of the goods or services that the user intends to purchase. Confirmed / unconfirmed information indicates whether or not the account payment has been confirmed. Confirmed date and time information indicates the date and time when the account payment was confirmed.

[0044] For example, the account processing unit 320 obtains the transaction number, account ID, merchant ID, and settlement amount included in the instruction received from the settlement server 100 (an instruction to transfer an amount from the user's bank account to a temporary receiving account). The account processing unit 320 adds a new record linked to the transaction number, account ID, merchant ID, settlement amount, and confirmed / unconfirmed information to the settlement history information 374. At this point, since the account settlement has not yet been confirmed, the confirmed / unconfirmed information will be "unconfirmed," and the confirmation date and time information will be left blank. This allows the account processing unit 320 to update the settlement history information 374.

[0045] [Sequence Diagram (Account Settlement)] The payment server 100 obtains first information regarding the payment, including the first payment amount of the goods or services that the user intends to purchase using the electronic payment service, and user identification information (e.g., account ID) for identifying the user, from either or both of the user terminal device 10 operated by the user and the terminal device of the merchant of the electronic payment service (first store terminal device 50 or a merchant's terminal device not shown). When the payment server 100 obtains the first information, it sends an instruction to the financial institution server 300 to move the first payment amount from the bank account of the account ID to a temporary receiving account, and moves the first payment amount to the temporary receiving account.

[0046] When the settlement server 100 obtains second information from the merchant's terminal device indicating that the settlement of first information has been confirmed, it sends an instruction to the financial institution server 300 to transfer the first settlement amount from the temporary receiving account to the bank account of the electronic payment service, thereby transferring the first settlement amount to the bank account of the electronic payment service. The first information is, for example, information for authorization (inquiry) regarding settlement such as an order, and the second information is, for example, information indicating confirmation of the shipment of goods or provision of services.

[0047] Figure 11 is a sequence diagram showing an example of the processing flow for account settlement. This process is what happens when a user makes a payment at an online merchant (such as when making a payment at a merchant that accepts electronic payment services during internet shopping).

[0048] First, the payment application 20 sends a payment instruction to the payment server 100 (S100, S102) when, for example, a user operates the payment button for account settlement in order to make a payment at an online merchant. The payment instruction is not limited to the payment application 20; it may also be sent from the merchant's terminal device. For example, the payment instruction may be sent to the merchant's terminal device, and the merchant's terminal device may then send the instruction to the payment server 100. The payment server 100 obtains the payment amount, account ID, and merchant ID that are sent along with or associated with the instruction. The payment amount, account ID, and merchant ID are obtained from the payment application 20 or the merchant's terminal device. The above information including the payment amount and account ID, or the information including the payment amount, account ID, and merchant ID, is an example of "first information".

[0049] Next, the settlement server 100 sends an account balance settlement request to the financial institution server 300 (S104). The account balance settlement request includes, for example, the account ID, settlement amount, and merchant ID. The account processing unit 320 of the financial institution server 300 moves the settlement amount from the user's bank account to the temporary deposit account based on the account balance settlement request (S106). This process is sometimes called pre-authentication. The financial institution server 300 sends a settlement completion notification to the settlement server 100 (S108).

[0050] Next, the payment server 100 updates the sales amount in the merchant / store information 186 of the merchant where the payment was made (S110). Next, the payment server 100 provides a payment completion notification to the payment application 20 (S112). This process may be omitted, or it may be performed in addition to this process, after S204 or S206 described later.

[0051] Next, when the settlement server 100 obtains information indicating a confirmed sale (second information) (when it obtains a capture), it sends a remittance request to the financial institution server 300 (S200, S202). The information indicating a confirmed sale is sent, for example, from an online merchant's terminal device (server device) or a terminal device associated with the merchant (not shown). The remittance request is an instruction to the financial institution server 300 to transfer the settlement amount of the item (goods or services) that has been moved to the temporary receiving account to the bank account of the electronic payment service, and further transfer it from the bank account of the electronic payment service to the merchant's bank account. The information including the settlement amount and user identification information (first information) and the confirmed sale (second information) included in or sent together with the payment instruction may include a transaction number. This allows the settlement server 100 to identify the second information that corresponds to the first information.

[0052] The settlement server 100 may, for example, share the transaction number with the merchant's terminal device. In this case, the settlement server 100 identifies the corresponding transaction from the transaction number included in the information indicating the confirmation of the sale. The settlement server 100 may also identify the payment instruction transaction in S102 that corresponds to the remittance request transaction from the amount settled, the settlement time, the merchant ID, etc.

[0053] Next, in response to the remittance request, the financial institution server 300 moves the settlement amount, which has been moved to the temporary receiving account, from the temporary receiving account to the bank account of the electronic payment service (electronic payment service provider) (S204), and then moves it from the electronic payment service's bank account to the merchant's bank account (S206). This results in the deposit into the merchant's bank account. The transfer from the electronic payment service's bank account to the merchant's bank account may be immediate or may occur after a predetermined time. Furthermore, the above transfer may occur at a pre-set timing.

[0054] [flowchart] Figures 12 and 13 are flowcharts detailing the processing performed by the financial institution server 300 in the above process. First, the financial institution server 300 identifies the user's bank account based on the first information and deducts the settlement amount from the user's bank account (S150). Next, the financial institution server 300 adds the deducted settlement amount to the temporary deposit account (S152). Next, the financial institution server 300 updates the settlement history information 374 (step S154) and terminates the process according to this flowchart. As described above, a new record is generated in the settlement history information 374.

[0055] As shown in Figure 13, the financial institution server 300 obtains a transaction number from the remittance request (step S170). Next, the financial institution server 300 deducts the settlement amount associated with the transaction number from the temporary receiving account (step S172). The account processing unit 320 can identify the temporary receiving account by referring to the temporary receiving account information 373.

[0056] Next, the financial institution server 300 adds the settlement amount to the bank account of the electronic payment service (electronic payment service provider) (step S174). This allows the merchant's sales proceeds to be transferred to the electronic payment service's bank account. Next, the financial institution server 300 updates the settlement history information 374 (step S176). Specifically, the account processing unit 320 updates the settlement history information 374 by changing the confirmed / unconfirmed information associated with the transaction number obtained in step S170 from "unconfirmed" to "confirmed" and writing the current date and time to the confirmed date and time information.

[0057] Next, the financial institution server 300 transfers the sales proceeds, which have been moved to the electronic payment service's bank account, to the merchant's bank account at the timing agreed upon in the contract between the electronic payment service provider and the merchant (S178). The electronic payment service provider may accept immediate transfer requests from the merchant, or it may detect that the funds have been moved to the electronic payment service's bank account and transfer them to the merchant's bank account in real time. After that, the process according to this flowchart ends.

[0058] In step S172, the account processing unit 320 added the settlement amount to the bank account of the electronic payment service, but this is not limited to that. For example, in step S172, the account processing unit 320 may add the settlement amount to the merchant's bank account. This allows the sales proceeds to be directly transferred from the temporary receiving account to the merchant's bank account.

[0059] As described above, the financial institution server 300 temporarily holds the user's payment amount in a temporary deposit account, and after the sale is finalized, it transfers the amount from the temporary deposit account to the merchant's bank account. This prevents the electronic payment from being finalized due to insufficient funds in the user's bank account, and allows the service of account settlement to be provided to the user.

[0060] [Processing according to the type of merchant] The payment server 100 may determine, based on the merchant ID, whether the payment is made at an offline merchant or an online merchant. If the merchant is an online merchant, it may instruct the financial institution server 300 to move the first payment amount from the bank account of the account ID to a temporary receiving account. In this case, if the payment server 100 determines, based on the merchant ID, that the merchant is an offline merchant, it may not move the payment amount from the bank account of the account ID to the temporary receiving account, but instead deduct the first payment amount from the bank account of the account ID and move it to the bank account of the electronic payment service. Note that the merchant / store information 186 may associate the merchant ID with information on whether the merchant is an online merchant or an offline merchant. The payment server 100 identifies whether the merchant is an online merchant or an offline merchant by referring to the merchant / store information 186.

[0061] As described above, online merchant payments may take longer to finalize compared to offline merchant payments. Therefore, the payment server 100 can temporarily hold the payment amount in a temporary deposit account to improve transaction security, and offline merchant payments can be processed with reduced processing load.

[0062] [Sequence Diagram (Cancellation 1)] After transferring the first payment amount from the account ID's bank account to the temporary deposit account, if the payment server 100 receives a command to cancel the payment from the merchant's terminal device where the payment was made, the payment server 100 sends a command to the financial institution server 300 to return the first payment amount from the temporary deposit account to the user identification bank account, thereby returning the first payment amount to the account ID's bank account.

[0063] Figure 14 is a sequence diagram illustrating the process when a cancellation occurs before the sale is finalized. The processes from S100 to S112 are the same as those in Figure 11. After the process in S112, if the settlement server 100 receives a refund instruction due to cancellation from the merchant's terminal device due to the merchant's or user's circumstances, it sends the refund instruction to the financial institution server 300 (S300, S302). The financial institution server 300 refunds the settlement amount, which is temporarily held in the temporary holding account, to the user's bank account in response to the refund instruction (S304). For example, the financial institution server 300 obtains the transaction number, refund amount, account ID, etc. from the settlement server 100 and performs the refund based on the obtained information and the temporary holding account information 373.

[0064] As described above, even after the settlement amount has been transferred to the temporary receiving account, the settlement server 100 can issue a refund to the user in response to a refund request.

[0065] [Sequence Diagram (Cancellation 2)] After transferring the first settlement amount from the temporary deposit account to the bank account of the electronic payment service, if the payment server 100 receives an instruction to cancel the payment from the terminal device of the merchant where the payment was made, the payment server 100 sends an instruction to the financial institution server 300 to return the first settlement amount from the bank account of the electronic payment service to the user's bank account, thereby returning the first settlement amount to the user's bank account.

[0066] Figure 15 is a sequence diagram illustrating the process when a cancellation occurs after a sale has been confirmed. The processes from S100 to S204 are the same as those in Figure 11. After the process in S204, if the payment server 100 receives a refund instruction due to cancellation from the merchant's terminal device due to the merchant's or user's circumstances, it sends the refund instruction to the financial institution server 300 (S400, S402). The financial institution server 300 refunds the payment amount to the user's bank account in accordance with the refund instruction (S404). For example, the financial institution server 300 obtains the transaction number, refund amount, account ID, etc. from the payment server 100, identifies the user to whom the refund is to be made from the obtained information such as the refund amount (payment amount), account ID, and merchant ID, and makes the refund to the identified user's bank account. For example, the refund is made from the merchant's bank account or the electronic payment service's bank account to the user's bank account.

[0067] As described above, even if a refund instruction is given after the sale has been finalized, the payment server 100 can issue a refund to the user in response to the refund instruction.

[0068] [Sequence Diagram (Amount Change 1)] After acquiring the first information and before acquiring the second information, if the payment server 100 acquires information indicating that the payment amount transmitted from the user terminal device 10 will be changed to a second payment amount that is greater than the first payment amount by the user's approval, the payment server 100 will send an instruction to the financial institution server 300 to move the deficit amount of the first payment amount relative to the second payment amount from the bank account of the user identification information to the temporary deposit account, thereby moving the deficit amount from the bank account of the user identification information to the temporary deposit account. If the payment server 100 acquires the second information, it will send an instruction to the financial institution server 300 to move the second payment amount in the temporary deposit account to the bank account of the electronic payment service, thereby moving the second payment amount to the bank account of the electronic payment service.

[0069] Figure 16 is a sequence diagram illustrating the process when the amount is changed. The processes from S100 to S112 are the same as those in Figure 11. After the process in S112, if the settlement server 100 receives an instruction to change the amount from the merchant's terminal device due to the merchant's or user's circumstances (i.e., receives a RIOS), it confirms the amount change and notifies the user terminal device 10 of the insufficient amount (S500, S502, S504).

[0070] When the user performs an operation to approve the notification, the settlement server 100 obtains approval information from the user terminal device 10 (S506, S508). Approval may be required to be performed within a predetermined time from the notification. Next, the settlement server 100 sends an additional transfer request to the financial institution server 300 requesting an additional transfer (S510). This request includes the transaction number, settlement amount, account ID, merchant ID, etc. The financial institution server 300 moves the additional funds (S512). The financial institution server 300 moves the insufficient settlement amount from the user's bank account to the temporary receiving account.

[0071] Next, when the settlement server 100 obtains information indicating the confirmation of a sale (second information), it sends a remittance request to the financial institution server 300 (S600, S602). Then, in accordance with the instructions, the financial institution server 300 moves the settlement amount that was moved to the temporary receiving account from the temporary receiving account to the bank account of the electronic payment service (electronic payment service provider) (S604), and further moves it from the bank account of the electronic payment service to the merchant's bank account (S606). As a result, the funds are deposited into the merchant's bank account.

[0072] As described above, even if the amount changes and a deficit occurs, the settlement server 100 can perform account balance settlement by transferring the deficit amount from the user's bank account to the bank account of the electronic payment service.

[0073] [Sequence Diagram (Amount Change 2)] After obtaining the first information, but before obtaining the second information, if the payment server 100 obtains information indicating that the payment amount transmitted from the user terminal device 10 will be changed to a third payment amount smaller than the first payment amount by the user's approval, the payment server 100 will send an instruction to the financial institution server 300 to move the surplus amount of the third payment amount relative to the first payment amount from the temporary deposit account to the user's bank account, thereby moving the surplus amount from the temporary deposit account to the user's bank account. If the payment server 100 obtains the second information, it will send an instruction to the financial institution server 300 to move the third payment amount in the temporary deposit account to the bank account of the electronic payment service, thereby moving the third payment amount to the bank account of the electronic payment service.

[0074] Figure 17 is a sequence diagram illustrating the process when the amount is changed. The processes from S100 to S112 are the same as those in Figure 11. After the process in S112, if the settlement server 100 receives an instruction to change the amount from the merchant's terminal device due to the merchant's or user's circumstances (i.e., receives a RIOS), it confirms the amount change and notifies the user terminal device 10 of the surplus (S700, S702, S704). This notification includes information about the surplus amount.

[0075] When a user initiates a refund operation in response to a notification, the settlement server 100 receives a refund instruction from the user terminal device 10 (S706, S708). Next, the settlement server 100 sends a refund instruction requesting the refund to the financial institution server 300 (S710). The financial institution server 300 moves the funds for the refund (S712). The financial institution server 300 moves the surplus settlement amount from the temporary deposit account to the user's bank account. After that, for example, the processing from S600 to S606 in Figure 16 described above takes place.

[0076] As described above, even if the amount is changed and a surplus occurs, the settlement server 100 can settle the account balance by moving the insufficient amount from the temporary receiving account to the bank account of the electronic payment service in the user's bank account.

[0077] In addition, in each of the examples described above or below, the financial institution server 300 may send an error notification to the payment server 100 if the amount of account balance settlement used in the current month exceeds a predetermined upper limit. In response to the error notification, the payment server 100 notifies the payment application 20 that the account balance settlement was not performed.

[0078] [Sequence Diagram (Offline Account Balance Settlement / Store Scan)] Figure 18 is a sequence diagram showing an example of account balance settlement by store scan. First, the user operates the user terminal device 10 and selects (taps) the payment button (step S800). Next, the payment application 20 sends a one-time code issuance request to the payment server 100 (S802). The one-time code issuance request includes an account ID to identify the user's account in the electronic payment service.

[0079] The payment server 100 generates a one-time code in response to a request for one-time code issuance (S804). Here, the payment server 100 associates the one-time code with the user's account ID and stores it in the storage unit 180.

[0080] Next, the payment server 100 sends a one-time code to the payment application 20 (S806). The payment application 20 then generates a code image based on the one-time code (S808). The generated code image will be displayed on the payment screen for account balance settlement. The user holds the display surface of the user terminal device 10 over the first store terminal device 50 (presents it). The first store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code (S810).

[0081] The first store terminal device 50 generates payment information including a one-time code, payment amount, merchant ID, store ID, etc., and transmits it to the payment server 100 (S812). The payment amount information is obtained in advance by barcode reading or manual input.

[0082] The payment server 100 obtains the user's account ID corresponding to the one-time code from the storage unit 180 based on the received payment information. The payment server 100 also sends an account balance settlement request to the financial institution server 300 (S814). The account balance settlement request includes the user's account ID, the settlement amount, and the merchant ID.

[0083] The financial institution server 300 performs account balance settlement based on the account balance settlement request received from the settlement server 100 (S816). Specifically, the financial institution server 300 moves the settlement amount from the user's bank account linked to the account ID included in the account balance settlement request to a temporary holding account. This allows the settlement amount to be held in the temporary holding account.

[0084] Next, the financial institution server 300 sends a settlement completion notification to the settlement server 100 (S818). The settlement processing unit 130 of the settlement server 100 updates the merchant's sales balance in response to the settlement completion notification (S820). Specifically, the settlement processing unit 130 adds the settlement amount to the sales balance item value in the second table 186B of the merchant / store information 186. The settlement processing unit 130 also records the account balance settlement history in the settlement history information of the user information 182. This completes the account balance settlement using the user's account balance.

[0085] The payment server 100 generates a payment completion screen upon completion of the account balance settlement and sends a payment completion notification, including the payment completion screen, to the payment application 20 (S822). When account balance settlement is performed at an offline merchant as described above, the financial institution server 300 deposits the funds into the merchant's bank account without going through a temporary receiving account. Subsequently, the processes from S200 to S206 are carried out.

[0086] Furthermore, even in the case of account balance settlements at offline merchants, processing may be carried out via a temporary receiving account.

[0087] [Sequence Diagram (Offline Account Debit Settlement / Store Scan)] Figure 19 is a sequence diagram showing an example of account balance settlement by user scan. First, the user takes a picture of the store code image 60 from the code reading screen, and the payment application 20 reads and decodes the store code image 60 using the optical reading function of the user terminal device 10, and sends first payment information including the store URL and account ID to the payment server 100 (S900).

[0088] The payment server 100 refers to the merchant / store information 186 and obtains the merchant ID and store ID corresponding to the store URL from the first table 186A. The payment server 100 also obtains the merchant name corresponding to the merchant ID from the second table 186B and the store name corresponding to the store ID from the third table 186C (S902). Subsequently, the payment server 100 sends the merchant name and store name to the payment application 20 (S904).

[0089] The user enters the payment amount into the user terminal device 10 on a screen displaying the merchant name or store name (S906). The payment application 20 generates second payment information, including at least the payment amount, and sends it to the payment server 100 (S908).

[0090] The settlement server 100 sends an account balance settlement request to the financial institution server 300 based on the received second settlement information (S910). The account balance settlement request includes the user's account ID, the settlement amount, and the merchant ID. Note that the processing in S912 to S926 in Figure 19 is the same as the processing in S816 to S206 in Figure 18, so the explanation is omitted.

[0091] As described above, when account balance settlement is performed at an offline merchant, the financial institution server 300 deposits the funds into the merchant's bank account without going through a temporary receiving account.

[0092] [Regarding guarantees in the event of bank failure] As described above, by using a temporary deposit account, even if a bank goes bankrupt, the deposits in the temporary deposit account will be compensated by a guaranteeing institution (for example, the Deposit Insurance Corporation). Figure 20 is a diagram illustrating the compensation by the guaranteeing institution. (1) The settlement amount (funds) is transferred from the user's bank account to the bank's temporary holding account. (2) The bank holds the settlement amount in a temporary account in the name of the user. (3) The bank goes bankrupt. (4) The amount in the provisional deposit account will be reimbursed by the guaranteeing institution. (5) The bank will pay the amount in the temporary account to the electronic payment service provider through compensation. (6) Electronic payment service providers obtain sales confirmation information from merchants. (7) The electronic payment service provider pays the merchant the amount of the sales. As described above, in this embodiment, even if a bank goes bankrupt, the deposits in the temporary holding account will be replenished, making it possible to make payments to member stores more reliably.

[0093] [Summary so far] For example, when account balance settlements were made, sufficient consideration had not been given to protecting users' funds. In this embodiment, as described above, a temporary deposit account is used to protect the user's settlement amount. This protects users or merchants even if the bank goes bankrupt. Furthermore, in this embodiment, even if a settlement is canceled or the settlement amount changes, the system can flexibly respond to the above-mentioned cancellations and changes without complicated processing. This improves user convenience.

[0094] In this embodiment, payment can be provided using the balance of a bank account for users who do not have or do not wish to use a credit card. For example, online transactions such as online reservations and sales, which have previously been dominated by credit cards, can be made safer and easier to use. Furthermore, it becomes possible to attract a wide range of customers who prefer to pay with their bank account balance, thereby expanding sales opportunities and increasing GMV (Gross Merchandise Volume). In addition, since funds are secured at the time of order, the risk of non-payment is significantly reduced, enabling secure transactions. Moreover, since payment can be made using the bank deposit balance, it can handle online sales of high-value goods (e.g., automobiles, luxury goods) that would exceed the credit card limit, improving convenience for both users and merchants.

[0095] [others] The payment server 100 may finalize the sale of only some of the multiple items included in a single order. In this case, the payment server 100 sends a remittance request to the financial institution server 300 for the payment amount of some of the items. The financial institution server 300 moves the payment amount of some of the items from the temporary receiving account to the bank account of the electronic payment service. Subsequently, the payment server 100 moves the payment amounts from the temporary receiving account to the bank account of the electronic payment service sequentially according to subsequent shipments. For example, the payment server 100 obtains information such as the shipped items and payment amounts from the merchant's terminal device and makes a remittance request for payment based on the obtained information. By moving the payment amount to the desired bank account in accordance with the shipment of the items, the security of transactions is improved and the convenience of users or merchants is enhanced.

[0096] As explained in Figure 16 above, if the settlement amount increases and a deficit occurs in the temporary deposit account, the settlement server 100 notifies the user terminal device 10 of the deficit. At this time, the server may also inquire whether the user will use alternative means such as the balance of the electronic payment service charge, credit card payment, or cash advance service to cover the deficit. If the user performs an operation to cover the deficit using an alternative means and that information is provided to the settlement server 100, the settlement server 100 uses the alternative means to transfer the deficit amount to the temporary deposit account.

[0097] Furthermore, in the example above, the payment server 100 asked the user if they wanted to use an alternative method to cover the shortfall, but instead (or in addition to this), it may also ask the user if they wanted to switch to an alternative payment method. If the user chooses to switch to an alternative payment method, the payment server 100 refunds the payment amount held in the temporary deposit account to the user's bank account and moves the funds obtained through the alternative payment method to the temporary deposit account. In this way, the shortfall can be automatically covered or the user can switch to payment by an alternative method, thus improving user convenience.

[0098] In the example above, it was explained that if the settlement amount is transferred to the temporary receiving account and the sale is finalized, the financial institution server 300 moves the settlement amount from the temporary receiving account to the bank account of the electronic payment service. However, the following process may be performed instead.

[0099] (A) When the financial institution server 300 receives an account balance settlement request, it may withdraw the settlement amount from the user's bank account and manage the withdrawn settlement amount. In this case, the withdrawn settlement amount may be managed in the name of the financial institution. For example, each amount may be labeled to manage which settlement the amount corresponds to. After the sale is finalized, the financial institution server 300 moves the settlement amount managed by the financial institution to the bank account of the electronic payment service. In each of the sequence diagrams or flowcharts described above, instead of the process of moving to the temporary deposit account, the process managed by the financial institution as described above may be executed, and instead of the process of moving from the temporary deposit account to the bank account of the electronic payment service, the process of moving the settlement amount managed by the financial institution to the bank account of the electronic payment service may be executed.

[0100] (B) When the payment server 100 receives a payment instruction, it may withdraw the payment amount from the user's bank account, and the withdrawn payment amount may be managed by the electronic payment service provider. In this case, the withdrawn payment amount is managed in the name of the electronic payment service provider. For example, it may be managed in the electronic payment service's bank account. For example, each amount may be labeled to manage which payment the amount corresponds to. For example, user identification information and payment amount are managed for each transaction. After the sale is finalized, the payment server 100 moves the managed payment amount from the electronic payment service's bank account to the merchant's bank account. In each of the sequence diagrams or flowcharts described above, the process of moving to the temporary deposit account may be executed to move to the electronic payment service's bank account, and the process of moving from the temporary deposit account to the electronic payment service's bank account may be executed to move from the electronic payment service's bank account to the merchant's bank account as described above.

[0101] (C) When the payment server 100 receives a payment instruction, it may withdraw the payment amount from the user's bank account and add the withdrawn payment amount to the user's charge balance for the electronic payment service for management purposes. After the sale is finalized, the payment server 100 subtracts the payment amount from the user's charge balance. In each of the sequence diagrams or flowcharts described above, the process of moving to the temporary account may be executed in such a way that it is added to the charge balance for the electronic payment service, and the process of moving from the temporary account to the bank account for the electronic payment service may be executed in such a way that it is subtracted from the charge balance as described above.

[0102] In the example above, it was explained that the payment application 20, the payment server 100, and the financial institution server 300 perform the processing. However, instead, a mini-application or other application running in the payment application 20 may perform the processing, and a server providing services to the mini-application may perform the processing instead of the payment server 100.

[0103] According to the embodiments described above, when the settlement server 100 acquires the first information, it sends an instruction to the financial institution server 300 to move the first settlement amount from the bank account of the user identification information to a temporary receiving account for temporary receipt, thereby moving the first settlement amount to the temporary receiving account. When the second information acquires, it sends an instruction to the financial institution server to move the first settlement amount from the temporary receiving account to the bank account of the electronic payment service, thereby moving the first settlement amount to the bank account of the electronic payment service. This improves the convenience for the user.

[0104] Although embodiments for carrying out the present invention have been described above using examples, the present invention is not limited in any way to these embodiments, and various modifications and substitutions can be made without departing from the spirit of the present invention. [Explanation of symbols]

[0105] 1. Electronic payment system 10. User terminal device 20 Payment Apps 50. First store terminal device 72 Merchant Interface 100 Payment Servers 150 Account Linking Department 160 Acquisition Department 170 Processing Unit 300 Financial Institution Servers 320 Account Processing Unit

Claims

1. The system acquires first payment information, including the first payment amount of the goods or services that the user intends to purchase using the electronic payment service, and user identification information for identifying the user, from either or both of the user terminal device operated by the user and the terminal device of the merchant of the electronic payment service. An acquisition unit that acquires second information from the merchant's terminal device indicating that the settlement of the first information has been confirmed, When the first information is obtained, an instruction is sent to the financial institution server to move the first settlement amount from the bank account of the user identification information to a temporary receiving account in the user's name, thereby moving the first settlement amount to the temporary receiving account. When the second information is obtained, a processing unit sends an instruction to the financial institution server to move the first settlement amount in the temporary deposit account to the bank account of the electronic payment service, and moves the first settlement amount to the bank account of the electronic payment service. A payment server equipped with the following features.

2. Obtain first information relating to a payment, including a first payment amount for the goods or services that the user intends to purchase using the electronic payment service, and user identification information for identifying the user, from either or both of the user terminal device operated by the user and the terminal device of the merchant of the electronic payment service. An acquisition unit that acquires second information from the merchant's terminal device indicating that the settlement of the first information has been confirmed, When the first information is obtained, an instruction is sent to the financial institution server to move the first settlement amount from the bank account of the user identification information to a temporary receiving account for temporary receipt, and the first settlement amount is moved to the temporary receiving account. The system includes a processing unit that, upon obtaining the second information, sends an instruction to a financial institution server to transfer the first settlement amount in the temporary receiving account to the bank account of the electronic payment service, thereby transferring the first settlement amount to the bank account of the electronic payment service. The acquisition unit, after acquiring the first information and before acquiring the second information, When the user approves and obtains information indicating that the settlement amount of the settlement transmitted from the user terminal device will be changed to a second settlement amount that is greater than the first settlement amount, The aforementioned processing unit, By sending an instruction to the financial institution server to move the deficit amount of the first settlement amount relative to the second settlement amount from the bank account of the user identification information to the temporary deposit account, the deficit amount is moved from the bank account of the user identification information to the temporary deposit account. When the second information is obtained, the second settlement amount is transferred to the bank account of the electronic payment service by sending an instruction to the financial institution server to transfer the second settlement amount of the temporary receiving account to the bank account of the electronic payment service. Payment server.

3. Obtain first information relating to a payment, including a first payment amount for the goods or services that the user intends to purchase using the electronic payment service, and user identification information for identifying the user, from either or both of the user terminal device operated by the user and the terminal device of the merchant of the electronic payment service. An acquisition unit that acquires second information from the merchant's terminal device indicating that the settlement of the first information has been confirmed, When the first information is obtained, an instruction is sent to the financial institution server to move the first settlement amount from the bank account of the user identification information to a temporary receiving account for temporary receipt, and the first settlement amount is moved to the temporary receiving account. The system includes a processing unit that, upon obtaining the second information, sends an instruction to a financial institution server to transfer the first settlement amount in the temporary receiving account to the bank account of the electronic payment service, thereby transferring the first settlement amount to the bank account of the electronic payment service. The acquisition unit, after acquiring the first information and before acquiring the second information, When the user approves and obtains information indicating that the settlement amount of the settlement transmitted from the user terminal device will be changed to a third settlement amount which is smaller than the first settlement amount, The aforementioned processing unit, The financial institution server is instructed to move the surplus amount of the first settlement amount relative to the third settlement amount from the temporary deposit account to the bank account of the user identification information, thereby moving the surplus amount from the temporary deposit account to the bank account of the user identification information. When the second information is obtained, the third settlement amount is transferred to the bank account of the electronic payment service by sending an instruction to the financial institution server to transfer the third settlement amount of the temporary receiving account to the bank account of the electronic payment service. Payment server.

4. The acquisition unit acquires merchant identification information from the user terminal device or the merchant's terminal device to identify the merchant of the electronic payment service for which the payment was made. The processing unit transfers the amount transferred to the bank account of the electronic payment service to the bank account of the merchant identified based on the merchant identification information by sending an instruction to the financial institution server to transfer the amount transferred to the bank account of the merchant. A payment server according to any one of claims 1 to 3.

5. The payment server performs account linkage with the financial institution server, The first settlement amount is transferred to the temporary receiving account or the bank account of the electronic payment service by sending the instructions to the financial institution server on which the account linkage has been established. A payment server according to any one of claims 1 to 3.

6. The acquisition unit acquires merchant identification information for identifying the merchant of the electronic payment service from the user terminal device or the merchant's terminal device. The aforementioned processing unit, Based on the aforementioned merchant identification information, it is determined whether the payment is made at an offline merchant or an online merchant. In the case of payment at an online merchant, the financial institution server is instructed to transfer the first payment amount from the bank account of the user identification information to a temporary receiving account. A payment server according to any one of claims 1 to 3.

7. After transferring the first settlement amount from the bank account of the user identification information to the temporary deposit account, When the acquisition unit acquires an instruction to cancel the payment from the terminal device of the merchant where the payment was made, The processing unit returns the first settlement amount from the temporary deposit account to the bank account of the user identification information by sending an instruction to the financial institution server to return the first settlement amount from the temporary deposit account to the bank account of the user identification information. A payment server according to any one of claims 1 to 3.

8. After transferring the first settlement amount from the temporary deposit account to the bank account of the electronic payment service, When the acquisition unit acquires an instruction to cancel the payment from the terminal device of the merchant where the payment was made, The processing unit returns the first payment amount from the bank account of the electronic payment service to the bank account of the user identification information by sending an instruction to the financial institution server to return the first payment amount from the bank account of the user identification information to the bank account of the user identification information. A payment server according to any one of claims 1 to 3.

9. Computers The system acquires first payment information, including the first payment amount of the goods or services that the user intends to purchase using the electronic payment service, and user identification information for identifying the user, from either or both of the user terminal device operated by the user and the terminal device of the merchant of the electronic payment service. Second information indicating that the settlement of the first information has been confirmed is obtained from the merchant's terminal device. When the first information is obtained, an instruction is sent to the financial institution server to move the first settlement amount from the bank account of the user identification information to a temporary receiving account in the user's name, thereby moving the first settlement amount to the temporary receiving account. When the second information is obtained, an instruction is sent to the financial institution server to transfer the first settlement amount in the temporary deposit account to the bank account of the electronic payment service, thereby transferring the first settlement amount to the bank account of the electronic payment service. Payment methods.

10. On the computer, A process for obtaining first information relating to a payment, including the first payment amount of the goods or services to be purchased by the user using the electronic payment service, and user identification information for identifying the user, from either or both of the user terminal device operated by the user and the terminal device of the merchant of the electronic payment service. A process to obtain second information from the merchant's terminal device indicating that the settlement of the first information has been confirmed, When the first information is obtained, the process involves sending an instruction to the financial institution server to move the first settlement amount from the bank account of the user identification information to a temporary receiving account in the user's name, thereby moving the first settlement amount to the temporary receiving account, When the second information is obtained, the process involves sending an instruction to the financial institution server to move the first settlement amount in the temporary receiving account to the bank account of the electronic payment service, and moving the first settlement amount to the bank account of the electronic payment service. A program that executes the command.

11. Computers The system acquires first payment information, including the first payment amount of the goods or services that the user intends to purchase using the electronic payment service, and user identification information for identifying the user, from either or both of the user terminal device operated by the user and the terminal device of the merchant of the electronic payment service. Second information indicating that the settlement of the first information has been confirmed is obtained from the merchant's terminal device. When the first information is obtained, an instruction is sent to the financial institution server to move the first settlement amount from the bank account of the user identification information to a temporary receiving account for temporary receipt, and the first settlement amount is moved to the temporary receiving account. When the second information is obtained, an instruction is sent to the financial institution server to transfer the first settlement amount in the temporary deposit account to the bank account of the electronic payment service, and the first settlement amount is transferred to the bank account of the electronic payment service. After obtaining the first information and before obtaining the second information, When the user approves and obtains information indicating that the settlement amount of the settlement transmitted from the user terminal device will be changed to a second settlement amount that is greater than the first settlement amount, By sending an instruction to the financial institution server to move the deficit amount of the first settlement amount relative to the second settlement amount from the bank account of the user identification information to the temporary deposit account, the deficit amount is moved from the bank account of the user identification information to the temporary deposit account. When the second information is obtained, the second settlement amount is transferred to the bank account of the electronic payment service by sending an instruction to the financial institution server to transfer the second settlement amount of the temporary receiving account to the bank account of the electronic payment service. Payment methods.

12. On the computer, A process for obtaining first information relating to a payment, including the first payment amount of the goods or services to be purchased by the user using the electronic payment service, and user identification information for identifying the user, from either or both of the user terminal device operated by the user and the terminal device of the merchant of the electronic payment service. A process to obtain second information from the merchant's terminal device indicating that the settlement of the first information has been confirmed, When the first information is obtained, the process involves sending an instruction to the financial institution server to move the first settlement amount from the bank account of the user identification information to a temporary receiving account for temporary receipt, and moving the first settlement amount to the temporary receiving account. When the second information is obtained, the process involves sending an instruction to the financial institution server to move the first settlement amount in the temporary receiving account to the bank account of the electronic payment service, and moving the first settlement amount to the bank account of the electronic payment service. After obtaining the first information and before obtaining the second information, When the user approves and obtains information indicating that the settlement amount of the settlement transmitted from the user terminal device will be changed to a second settlement amount that is greater than the first settlement amount, The process involves sending an instruction to the financial institution server to move the deficit amount of the first settlement amount relative to the second settlement amount from the bank account of the user identification information to the temporary deposit account, thereby moving the deficit amount from the bank account of the user identification information to the temporary deposit account, When the second information is obtained, the process involves sending an instruction to the financial institution server to move the second settlement amount in the temporary receiving account to the bank account of the electronic payment service, thereby moving the second settlement amount to the bank account of the electronic payment service, A program that executes the command.

13. Computers The system acquires first payment information, including the first payment amount of the goods or services that the user intends to purchase using the electronic payment service, and user identification information for identifying the user, from either or both of the user terminal device operated by the user and the terminal device of the merchant of the electronic payment service. Second information indicating that the settlement of the first information has been confirmed is obtained from the merchant's terminal device. When the first information is obtained, an instruction is sent to the financial institution server to move the first settlement amount from the bank account of the user identification information to a temporary receiving account for temporary receipt, and the first settlement amount is moved to the temporary receiving account. When the second information is obtained, an instruction is sent to the financial institution server to transfer the first settlement amount in the temporary deposit account to the bank account of the electronic payment service, and the first settlement amount is transferred to the bank account of the electronic payment service. After obtaining the first information and before obtaining the second information, When the user approves and obtains information indicating that the settlement amount of the settlement transmitted from the user terminal device will be changed to a third settlement amount which is smaller than the first settlement amount, The financial institution server is instructed to move the surplus amount of the first settlement amount relative to the third settlement amount from the temporary deposit account to the bank account of the user identification information, thereby moving the surplus amount from the temporary deposit account to the bank account of the user identification information. When the second information is obtained, the third settlement amount is transferred to the bank account of the electronic payment service by sending an instruction to the financial institution server to transfer the third settlement amount of the temporary receiving account to the bank account of the electronic payment service. Payment methods.

14. On the computer, A process for obtaining first information relating to a payment, including the first payment amount of the goods or services to be purchased by the user using the electronic payment service, and user identification information for identifying the user, from either or both of the user terminal device operated by the user and the terminal device of the merchant of the electronic payment service. A process to obtain second information from the merchant's terminal device indicating that the settlement of the first information has been confirmed, When the first information is obtained, the process involves sending an instruction to the financial institution server to move the first settlement amount from the bank account of the user identification information to a temporary receiving account for temporary receipt, and moving the first settlement amount to the temporary receiving account. When the second information is obtained, the process involves sending an instruction to the financial institution server to move the first settlement amount in the temporary receiving account to the bank account of the electronic payment service, and moving the first settlement amount to the bank account of the electronic payment service. After obtaining the first information and before obtaining the second information, When the user approves and obtains information indicating that the settlement amount of the settlement transmitted from the user terminal device will be changed to a third settlement amount which is smaller than the first settlement amount, The process involves sending an instruction to the financial institution server to move the surplus amount of the first settlement amount relative to the third settlement amount from the temporary deposit account to the bank account of the user identification information, thereby moving the surplus amount from the temporary deposit account to the bank account of the user identification information. When the second information is obtained, the process involves sending an instruction to the financial institution server to move the third settlement amount in the temporary receiving account to the bank account of the electronic payment service, thereby moving the third settlement amount to the bank account of the electronic payment service, A program that executes the command.

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