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JP-2026074709-A - Payment management device, payment management method, and program

JP2026074709AJP 2026074709 AJP2026074709 AJP 2026074709AJP-2026074709-A

Abstract

[Problem] To provide a payment management device, payment management method, and program that can implement card payments for which the payment amount is paid from the sales proceeds of the affiliated store. [Solution] A payment management device that can communicate with a user terminal device operated by a user and performs card payments using a card issued for a merchant, comprising: an acquisition unit that acquires setting information from a payment application running on the user terminal device that indicates one of the following: a payment method using the charge balance of electronic money, a payment method using credit card payments, or a payment method using the sales proceeds of the merchant; and a payment processing unit that, when it receives a notification requesting the card payment, executes a payment process according to the setting information. [Selection Diagram] Figure 4

Inventors

  • 長谷川 哲也

Assignees

  • ＰａｙＰａｙ株式会社

Dates

Publication Date
20260507
Application Date
20241021

Claims (15)

  1. A payment management device that can communicate with a user terminal device operated by the user and performs card payments using cards issued for merchants, An acquisition unit that acquires setting information from a payment application running on the user terminal device, indicating one of the following payment methods: payment method using the electronic money balance, payment method using credit card, or payment method using the sales proceeds of the affiliated store. When a notification requesting the aforementioned card payment is received, the payment processing unit executes payment processing according to the aforementioned configuration information, A payment management device equipped with the following features.
  2. If the setting information indicates a payment method using the merchant's sales proceeds, the payment processing unit executes the payment process by subtracting the payment amount for the card payment from the merchant's sales proceeds managed by the payment management device, without waiting for the merchant's sales proceeds to be transferred to the merchant's bank account. The settlement management device according to claim 1.
  3. The cards issued for the aforementioned merchants may be physical cards or virtual cards that do not have a physical counterpart. The settlement management device according to claim 1.
  4. The system further includes a fundraising processing unit that, upon receiving a notification from the payment app requesting fundraising, adds an amount equivalent to the purchase price of future accounts receivable purchased from the merchant to the merchant's sales revenue. The settlement management device according to claim 1.
  5. The aforementioned fundraising processing unit shall make the fee charged to the affiliated store when adding an amount equivalent to the purchase price to the affiliated store's sales revenue less than the fee charged to the affiliated store when transferring the purchase price to the affiliated store's bank account. The settlement management device according to claim 4.
  6. The aforementioned fundraising processing unit determines the upper limit of the purchase price based on the past sales history of the affiliated store. The settlement management device according to claim 4.
  7. The system further includes an information management unit that manages information about multiple wallets linked to the cards issued for the aforementioned merchants. The settlement management device according to claim 1.
  8. The aforementioned information management unit manages information related to the multiple wallets separately according to their purpose. The settlement management device according to claim 7.
  9. The aforementioned information management department manages information regarding the multiple wallets separately for each employee of the affiliated store. The settlement management device according to claim 7.
  10. The aforementioned information management department sets a credit payment limit for each of the multiple wallets based on the sales history of the affiliated store. The settlement management device according to claim 7.
  11. The Information Management Department, when multiple cards are issued for the merchant, manages the card information related to the multiple cards in association with the merchant. The settlement management device according to claim 7.
  12. When the settlement processing unit receives a notification requesting the aforementioned card payment for an invoice for which the payment date is predetermined, it executes the settlement process using the credit card payment method. The settlement management device according to claim 1.
  13. When the payment processing unit receives a notification requesting card payment for the subscription billing amount, it executes payment processing according to the configuration information. The settlement management device according to claim 1.
  14. A payment management device that can communicate with a user terminal device operated by the user and performs card payments using cards issued for merchants, The payment application running on the user terminal device obtains setting information indicating one of the following payment methods: payment using the electronic money balance, payment by credit card, or payment using the sales proceeds of the merchant. When a notification requesting the aforementioned card payment is received, the system executes the payment process according to the configuration information. Payment management methods.
  15. A payment management device that can communicate with a user terminal device operated by the user and performs card payments using cards issued for merchants, The payment application running on the user terminal device obtains setting information indicating one of the following payment methods: payment using the electronic money balance, payment by credit card, or payment using the sales proceeds of the merchant. When a notification requesting the aforementioned card payment is received, the system will execute the payment process according to the configuration information. program.

Description

This invention relates to a payment management device, a payment management method, and a program. Conventionally, inventions have been disclosed of transaction settlement terminal devices that handle debit cards, electronic money cards, or transaction cards that combine the functions of both types of cards (for example, Patent Document 1). This device includes a first input device for inputting the transaction amount to be settled and a second input device for specifying the settlement method. The settlement method for card payments can be switched by a store employee specifying the settlement method in the second input device. Japanese Patent Publication No. 2001-118022 This diagram shows an example of the configuration of an electronic payment system that enables electronic payment services.This is a sequence diagram (part 1) illustrating the general flow of electronic payments.This is a sequence diagram (part 2) illustrating the general flow of electronic payments.This is a diagram showing the configuration of the payment server 100.This figure shows an example of the contents of user information 172.This figure shows an example of the contents of merchant/store information 176.This figure shows an example of the contents of card information 178.This diagram conceptually illustrates the processes for terminal payments and card payments.This figure shows an example of the contents of the card payment settings information 210.This figure shows an example of the home screen of payment app 20.This is a sequence diagram showing the flow of the payment method setting process.This is a sequence diagram showing the payment process using the charge balance payment method.This is a sequence diagram showing the payment processing flow for credit card payments.This is a sequence diagram showing the payment processing flow for a payment method using sales proceeds. The following describes embodiments of the payment management device, payment management method, and program of the present invention with reference to the drawings. Various devices, servers, and other devices used to provide services to users or perform internal analysis may be implemented by a distributed group of devices, and the operators of each device may be different. Furthermore, the hardware owner of the devices (the provider of the cloud server) and the operator performing the actual operation may also be different. The application program and the payment management device work together to provide electronic payment services. In the following description, the application program will be referred to as a payment app, and the payment management device as a payment server. The electronic payment service is a service that supports payment for the purchase of goods and services at a store. A store refers to, for example, a physical store (a real store) existing in the real world, but may also include a virtual store for e-commerce. The virtual store may include those provided by entities different from the operator of the electronic payment service. In that case, when settling a purchase at the virtual store, the user is controlled to transition to the electronic payment service interface screen. In the electronic payment service, stores are treated as belonging to, for example, affiliated merchants (brands), and processing such as payment when a purchase is made at a store is mainly carried out between the user and the affiliated merchant. Alternatively, payment processing may be conducted between the user and the store. [Electronic payment service] Figure 1 shows an example of a configuration for realizing an electronic payment service. The electronic payment service is realized with a payment server 100 at its center. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more credit processing terminals 55, one or more second store terminal devices 70, and affiliated credit card company servers 200 via a network NW. The network NW includes, for example, the internet, a LAN (Local Area Network), a wireless base station, provider equipment, etc. The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet. The user terminal device 10 is a computer device having at least optical reading functionality, communication functionality, display functionality, input reception functionality, and program execution functionality. In the following description, the components for realizing these functions are referred to as a camera, communication device, touch panel, CPU (Central Processing Unit), etc. The user terminal device 10 operates by executing the payment application 20 via a processor such as the CPU, in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 is installed on the user terminal device 10, for example, from an application store, and controls the c