JP6845587B2 - Payment device - Google Patents

Description

The present invention relates to a payment device.

In online transactions such as online shopping, the payment is also made online. For example, Patent Document 1 discloses a technique relating to a service for performing payment on behalf of a transaction business operator and a transaction user using a payment processing device.

Japanese Unexamined Patent Publication No. 2010-04458

By the way, the importance of asset formation such as savings is known for households. However, while it is easy to make payments for shopping, it is often difficult to systematically form assets.

The present invention has been made in view of such a background, and an object of the present invention is to provide a payment device capable of helping to balance a user's payment and asset formation.

The main invention of the present invention for solving the above problems is a payment device for settling a transaction amount related to a commercial transaction, and a financial product purchase processing unit for processing the payer related to the commercial transaction to purchase a financial product. , A payment processing unit that performs a process of charging the user for the total amount of the purchase amount of the financial product and the transaction amount.

Other problems disclosed in the present application and solutions thereof will be clarified in the columns and drawings of the embodiments of the invention.

According to the present invention, it is possible to help balance user payment and asset formation.

It is a figure which shows the whole configuration example of the payment system 1 including the payment device 10 which concerns on this embodiment. It is a figure which shows the hardware configuration example of the payment apparatus 10 which concerns on this embodiment. It is a figure which shows the software configuration example of the payment apparatus 10 which concerns on this embodiment. It is a figure which shows the configuration example of the setting database 131. It is a flow chart which shows the flow of the process executed by the payment apparatus 10. It is a figure which shows an example of the screen 300 for confirming whether or not to pay the processing target amount.

The payment device 10 according to the embodiment of the present invention will be described. The settlement device 10 according to the present embodiment provides a settlement agency service that receives a request from a server that performs a commercial transaction such as online shopping and acts as a proxy for processing related to the settlement related to the commercial transaction.

The settlement device 10 of the present embodiment automatically performs a purchase process of purchasing a financial product when the settlement process of the transaction amount related to the transaction is performed, and the transaction amount and the purchase amount of the financial product are settled. In the present embodiment, the financial product increases some assets of the user, such as cash deposits, notes receivable, stocks, corporate bonds, government bonds, various securities, investment in funds, and receivables related to derivative transactions. .. Financial products shall include points, gift certificates, virtual currencies, etc. that are not sold by financial institutions.

FIG. 1 is a diagram showing an overall configuration example of a payment system 1 including a payment device 10 according to the present embodiment. The payment device 10 is communicably connected to the user terminal 20 and the transaction device 30 via the network 40. The network 40 is, for example, the Internet, and is constructed by Ethernet (registered trademark), an optical communication line, a public telephone line network, a dedicated telephone line network, a wireless communication path, and the like. The payment device 10 is also communicably connected to the financial server 40. The payment device 10 and the financial server 40 may be connected by a dedicated line or may be connected via a network 40.

The trading device 30 is a computer that provides services related to commercial transactions such as online shopping. In the present embodiment, an online shopping service is assumed, but the service provided by the trading device 30 may be any business transaction that pays a consideration for the provision of goods or services. The transaction device 30 requests the settlement device 10 to settle the sales amount at the time of transaction.

The user terminal 20 is a computer operated by an online shopping user (transaction user). The user terminal 20 is, for example, a personal computer, a smartphone, a tablet computer, or the like. The user operates the user terminal 20 to access the trading device 30, browses product information, and requests the purchase of the product.

The financial server 40 is a computer that sells financial products. The financial server 40 conducts various transactions related to, for example, stocks, corporate bonds, government bonds, financial transactions, and the like. The financial server 40 is operated by, for example, a financial institution such as a bank or a securities company. The financial server 40 may be operated by a general company that issues points.

The payment device 10 is a computer that performs payment processing between the transaction user and the transaction business operator (operator of the transaction device 30). The settlement device 10 processes the payment of the transaction amount from the financial institution designated by the transaction user, subtracts the settlement agency fee including the handling fee of the financial institution from the transaction amount, and transfers the transaction amount to the bank account of the transaction operator. Perform processing. The payment process uses a well-known method related to online shopping services and the like, and detailed description thereof will be omitted. The payment device 10 of the present embodiment accesses the financial server 40 to perform the purchase processing of the financial product at the time of the payment processing, and adds the purchase amount of the financial product to the transaction amount to perform the payment processing.

FIG. 2 is a diagram showing a hardware configuration example of the payment device 10 according to the present embodiment. The payment device 10 includes a CPU 101, a memory 102, a storage device 103, a communication interface 104, an input device 105, and an output device 106. The storage device 103 stores various data and programs, such as a hard disk drive, a solid state drive, and a flash memory. The communication interface 104 is an interface for connecting to the communication network 30, for example, an adapter for connecting to Ethernet (registered trademark), a modem for connecting to a public telephone network, and a wireless communication device for performing wireless communication. , USB (Universal Serial Bus) connector for serial communication, RS232C connector and the like. The input device 105 is, for example, a keyboard, a mouse, a touch panel, a button, a microphone, or the like for inputting data. The output device 106 is, for example, a display, a printer, a speaker, or the like that outputs data. The payment device 10 may omit the input device 105 and the output device 106.

FIG. 3 is a diagram showing a software configuration example of the payment device 10 according to the present embodiment. The payment device 10 includes a payment request receiving unit 111, a payment amount approval unit 112, a financial product purchase processing unit 113, a payment processing unit 114, a payment result transmission unit 115, and a setting database 131.

The payment request receiving unit 111, the payment amount approval unit 112, the financial product purchase processing unit 113, the payment processing unit 114, and the payment result transmission unit 115 are programs in which the CPU 101 included in the payment device 10 is stored in the storage device 103. Is realized by reading the memory 102 into the memory 102 and executing the setting database 131, and the setting database 131 is realized as a part of the storage area provided by the memory 102 and the storage device 103.

The settlement request receiving unit 111 receives a request (hereinafter, referred to as "settlement request") for requesting a proxy for settlement related to the transaction in the trading device 30. The settlement request includes transaction business information that identifies the transaction business that is the subject of billing, transaction user information that identifies the transaction user that makes payment, and payment amount. The settlement amount may match the transaction amount, or the settlement amount and the transaction amount may differ when the transaction business operator allocates points or the like to charge an amount lower than the transaction amount. ..

The setting database 131 stores information (hereinafter, referred to as “setting information”) for determining the amount of financial products to be purchased at the time of settlement (hereinafter, referred to as “financial amount”). FIG. 4 is a diagram showing a configuration example of the setting database 131.

The setting database 131 stores a default value 1311 which is the default setting information and a user setting value 1312 which is the setting information saved for each user. The default value 1311 includes a determination method and a set value. The determination method indicates a means for determining the financial amount. In the present embodiment, the determination method is either a "ratio" indicating that the financial amount is determined by a ratio to the settlement amount, or a "amount" that is a fixed amount regardless of the settlement amount. .. The set value is information for determining the financial amount according to the determination method. When the determination method is "ratio", the ratio is registered as a set value. When the determination method is "amount", the amount is registered as a set value.

In the user set value 1312, the determination method and the set value are stored in association with the transaction user information (user ID).

The method for determining the financial amount is not limited to these, and may be, for example, a ratio to the transaction amount or a ratio to the cumulative amount of the settlement amount for a predetermined period (for example, one month or one year). It may be an amount that gradually increases according to the transaction amount or the settlement amount, or the amount may be input from the user each time, and the determination method and the value are set according to these methods. You may.

The payment amount approval unit 112 determines the financial amount based on the setting information, and the amount corresponding to the amount obtained by adding the financial amount to the payment amount included in the payment request (hereinafter, referred to as "processing target amount"). Ask the user if they are willing to pay. The settlement amount approval unit 112 can determine the financial amount by adding the amount of the financial product and the fee for purchasing the financial product. The settlement amount approval unit 112 shall calculate the purchase fee of the financial product by summing the fee to be paid to the seller of the financial product and the profit of the settlement agency service. The settlement amount approval unit 112 may accept the correction of the financial amount from the user when confirming the amount to be processed. In this case, the settlement amount approval unit 112 calculates the fee to be paid to the seller of the financial product and the profit amount of the settlement service according to the modified financial amount, and subtracts the fee and the profit amount from the financial amount. Therefore, the financial amount of the financial product to be purchased can be calculated.

The financial product purchase processing unit 113 purchases a financial product for an amount obtained by subtracting a commission from the financial amount. The financial product purchase processing unit 113 accesses, for example, the financial server 50 to purchase a financial product. Purchase processing related to financial products includes, for example, processing of deposits in banks, processing of receiving and issuing bills, processing of purchasing stocks, corporate bonds, government bonds, securities, etc., processing of transactions related to derivative transactions, processing of issuing points, and gift certificates. Well-known methods such as purchase processing and virtual currency issuance processing will be used, and the description thereof will be omitted here. The financial product purchase processing unit 113 may purchase a financial product for the entire financial amount, add a fee to the purchase, and charge the transaction user.

The settlement processing unit 114 performs settlement processing of the amount to be processed. A well-known method can be used for payment processing. The settlement processing unit 114 pays the amount obtained by subtracting the fee of the financial institution from the settlement amount to the account of the transaction business operator, and pays the financial amount to the account of the operator of the settlement agency service. Payment processing can be performed by instructing (not shown).

The settlement result transmission unit 115 transmits the settlement processing result to the transaction device 30. The payment result transmission unit 115 may also transmit the result of the payment process to the user terminal 20.

FIG. 5 is a flow chart showing a flow of processing executed by the payment device 10.

The settlement request receiving unit 111 receives the settlement request from the trading device 30 (S211). In the present embodiment, the settlement request includes transaction business information that identifies the transaction business that is the subject of billing, transaction user information that identifies the transaction user that makes payment, and a product or service that is the target of the transaction. The name (product name), transaction date and time, and payment amount shall be included. The payment amount approval unit 112 reads the setting information (user setting value 1312) corresponding to the user ID set in the payment request from the setting database 131 (S212). When the setting information corresponding to the user ID set in the payment request is not registered in the setting database 131 (or when the user ID is not set in the payment request), the payment amount approval unit 112 (S213: NO), the default setting information (default value 1311) is read from the setting database 131 (S214).

The settlement amount approval unit 112 determines the financial amount based on the setting information (S215). When the settlement method of the setting information is "ratio", the settlement amount approval unit 112 determines the financial amount by adding a fee to the amount obtained by multiplying the settlement amount by the set value of the setting information. For example, the determination method is "ratio", the set value is "10%", the settlement amount is "100,000 yen", the purchase fee for financial products is "2%", and this settlement agency service When the profit margin is "1%", the settlement amount approval unit 112 can calculate the financial amount as 100,000 yen x 10% x (100% + 2% + 1%) = 10,300 yen. Further, when the settlement method of the setting information is "amount", the settlement amount approval unit 112 determines the financial amount by subtracting the fee from the set value of the setting information. For example, the method of determining the setting information is "amount", the set value is "1000 yen", the purchase fee of the financial product is "2%", and the profit margin of this settlement agency service is "1%". In some cases, the settlement amount approval unit 112 can calculate the financial amount as 1000 yen ÷ (100% + 2% + 1%) = 971 yen (carried up to the nearest whole number).

The settlement amount approval unit 112 adds the determined financial amount to the settlement amount set in the settlement request to calculate the processing target amount (S216), and determines whether or not to pay the processing target amount for transaction use. Confirm with the person (user of the user terminal 20) (S217). The payment amount approval unit 112 may confirm the payment to the user by showing the payment amount, the financial amount and the fee. The payment amount approval unit 112 transmits, for example, information for displaying the screen 300 as shown in FIG. 6 (hereinafter, referred to as “screen information”) to the user terminal 20. The screen information is described in, for example, HTML (HyperText Markup Language). In this case, the trading device 30 returns a response to the HTTP (HyperText Transfer Protocol) from the user terminal 20 so as to redirect to the payment device 10, and the user terminal 20 accesses the payment device 10 to receive screen information. Then, the screen 300 can be displayed based on the received screen information.

For example, the transaction business information 301, the product name 302, and the transaction date and time 303 are displayed on the screen 300, and the settlement amount 304 and the financial amount (financial product purchase amount 305 and commission 306) are displayed, and the total of these is displayed. The amount (ie, the amount to be processed 307) is displayed. When the savings amount change button 308 is pressed, the user terminal 20 permits the correction of the financial product purchase amount 305. When the financial product purchase amount 305 is modified, the user terminal 20 may transmit the financial product purchase amount 305 to the payment device 10 so that the payment amount approval unit 112 of the payment device 10 recalculates the fee. , The fee rate and the like may be included in the screen information so that the user terminal 20 recalculates the fee. When the confirmation button 309 is pressed, the user terminal 20 may realize a message indicating that the payment of the processing target amount has been confirmed (for example, as an HTTP request), assuming that the user has permitted payment of the processing target amount. Can be sent) to the trading device 30. When the financial product purchase amount 305 is modified, the user terminal 20 may transmit the modified financial product purchase amount 305 and the settlement amount 304 to the settlement device 10, and the user may charge the fee. When the terminal 20 recalculates, the modified financial product purchase amount 305, the settlement amount 304, and the recalculated fee may be transmitted to the settlement device 10.

Returning to FIG. 5, when the payment amount approval unit 112 receives a message from the user terminal 20 indicating that the user has approved the payment (S218: YES), the financial amount is changed on the user terminal 20 (financial product on screen 300). If the purchase amount 305 has been corrected (S219: YES), the processing target amount is corrected according to the corrected purchase amount of the financial product (S220). That is, the settlement amount approval unit 112 adds the corrected financial amount (the sum of the financial product purchase amount 305 and the fee recalculated according to the financial product purchase amount 305) to the settlement amount and processes it. The amount.

The financial product purchase processing unit 113 processes the purchase of the financial product for 305 minutes of the purchase amount of the financial product (S221). It should be noted that a well-known method is used for the processing related to the purchase of financial products, and the description thereof is omitted here. The settlement processing unit 114 processes so that the amount to be processed is paid from the account of the transaction user (S222). For example, the settlement processing unit 114 pays the settlement amount minus the fee of the financial institution to the account of the transaction business operator, and pays the financial amount to the account of the operator of the settlement agency service, so that the host computer of the financial institution pays the amount. Payment processing can be performed by instructing (not shown). Further, the settlement processing unit 114 may process the purchase fee of the financial product so as to be paid from the account of the operator of the settlement agency service to the account of the seller of the financial product.

The payment result transmission unit 115 notifies the transaction device 30 and the user terminal 20 of the result of the above payment processing (S223). When the payment of the processing target amount is not approved (S218: NO), the payment result transmission unit 115 transmits a message to that effect to the user terminal 20 and the transaction device 30. When the payment is approved (S218: YES), the payment result transmission unit 115 transmits the payment amount and the payment amount to the transaction business operator (the amount obtained by subtracting the commission from the payment amount) to the transaction device 30. The amount paid by the transaction user (the amount to be processed), the purchase amount of the financial product, the commission, and the like are transmitted to the user terminal 20. The settlement result transmission unit 115 may include information about the financial product, such as the name and interest rate of the purchased financial product, in the result and transmit the result.

As described above, according to the settlement device 10 of the present embodiment, the user can purchase a financial product at the same time as the settlement of a transaction such as shopping. This makes it possible to increase the user's financial assets and support the user's asset formation. In addition, in general, when a user spends money such as shopping, the psychological hurdle to the withdrawal of money is lowered, so that the tendency toward the increase of financial assets is increased as compared with the case where the asset formation such as savings is performed again. Be expected. This will also promote the sale of financial products.

Further, according to the settlement device 10 of the present embodiment, the sales commission of the financial product can be used as a source of funds to fill the settlement fee. Therefore, the settlement processing unit 114 of the settlement device 10 can reduce the commission amount to be deducted from the settlement amount in the settlement processing. Therefore, the profit of the trading company is improved.

Although the present embodiment has been described above, the above embodiment is for facilitating the understanding of the present invention, and is not for limiting and interpreting the present invention. The present invention can be modified and improved without departing from the spirit thereof, and the present invention also includes an equivalent thereof.

For example, in the present embodiment, the payment device 10 is assumed to be one computer, but the present invention is not limited to this, and one virtual computer is formed by a plurality of computers, and the payment device 10 is realized by the virtual computer. Alternatively, a part of the functional part of the payment device 10 may be provided in another computer.

Further, in the present embodiment, the settlement processing unit 114 pays the settlement amount minus the fee of the financial institution to the account of the transaction business operator, but processes so as to pay the entire settlement amount to the transaction operator. You may. In this case, the payment processing unit 114 can perform payment processing from the account of the operator of the payment agency service so as to pay the fee of the financial institution related to the payment of the payment amount. Since the operator of this settlement agency service can bear the commission of the financial institution by using the sales commission of the financial product as a source of funds, it reduces the commission burden of the transaction business operator and also records profits in this settlement agency service. be able to.

Further, the settlement processing unit 114 may perform payment processing so that the fee of the financial institution related to the settlement amount is paid from the account of the seller of the financial product. In this case as well, since the seller of the financial product can pay the commission related to the above settlement using the sales commission as a source of funds, it is possible to reduce the commission burden of the transaction business operator and promote the sale of the financial product.

Further, in the present embodiment, the type of financial product to be purchased at the time of settlement is determined in advance, but the present invention is not limited to this, and the settlement amount approval unit 112 allows the user to select the financial product to be purchased. You may do it. At this time, the settlement amount approval unit 112 may present the risk of interest rate and asset amount decrease for each selectable financial product.

In addition, the settlement amount approval unit 112 identifies financial products that can be purchased for each transaction user, for example, depending on whether or not they have undergone a credit check, and responds to the interest rate and risk among the financial products that can be purchased. The one with the highest expected interest rate may be automatically selected. In this case, the settlement device 10 is provided with an interest rate storage unit that stores the interest rate and the risk (for example, the ratio indicating the possibility of loss of principal) for each financial product, and the settlement amount approval unit 112 is provided with the interest rate and the risk. Can be multiplied by the amount of money to purchase a financial product to calculate the expected value.

10 Payment device 20 User terminal 30 Transaction device 40 Network 50 Financial server 111 Payment request reception unit 112 Payment amount approval unit 113 Financial product purchase processing unit 114 Payment processing unit 115 Payment result transmission unit 131 Setting database

Claims (3)

When purchasing a product or service, a means of displaying the payment amount for the product or service to the purchaser and accepting the input of the purchase amount of the financial product.
A means for performing payment processing by adding the payment amount and the purchase amount, and
A means of paying the payment amount to the provider of the goods or services, and
A means for the purchaser to purchase the financial product at the purchase price, and
Payment device equipped with. The payment device according to claim 1.
Means for displaying the selectable financial products and
Means for selecting the financial product and
With more
The means for performing the process of purchasing the financial product is to perform the process of purchasing the selected financial product.
A payment device characterized by. The payment device according to claim 1.
To provide additional means of presenting interest rates and risks for each of the financial instruments.
A payment device characterized by.