JP7379570B2 - Service provision equipment, service provision method, program, and electronic payment system - Google Patents

Description

The present invention relates to a service providing device, a service providing method, a program, and an electronic payment system.

Traditionally, payments using electronic money have been widespread. Regarding such electronic money, techniques related to a method of charging the balance have been proposed. For example, a method of charging the balance by depositing money from the user's bank account or using credit card payment has been proposed (for example, see Patent Document 1). Furthermore, for example, a method has been proposed in which the balance is automatically charged when a predetermined condition is met (see, for example, Patent Document 2).

Patent No. 6921294 Japanese Patent Application Publication No. 2002-109584

As electronic money becomes more widespread, the assets held by users are also diversifying. For example, in recent years, the number of users who hold securities assets, crypto assets, etc. in addition to bank deposits has increased. Therefore, allowing users to seamlessly charge various assets they own to their electronic money balance will contribute to improving the convenience of electronic money.

The present invention has been made in consideration of such circumstances, and aims to provide a service providing device, a service providing method, a program, and an electronic payment system that can improve the convenience of electronic money. Make it one.

One aspect of the present invention is a service providing device that provides a payment service by electronic payment, the first account management unit managing a first account having funds that can be used for the electronic payment; a second account management unit that manages a bank account that is a second account of the user; and a third account that has funds that can be used for buying and selling managed assets that can be traded on an exchange and is a third account that the user has. a third account management unit that manages three accounts, and a payment processing unit that executes payment processing by electronic payment in response to a request from the user, and the payment processing unit After execution, if the balance of the first account satisfies a predetermined condition, providing a service that withdraws a predetermined amount according to the condition from the second account or the third account and deposits it into the first account. It is a device.

According to one aspect of the present invention, it is possible to provide a service providing device, a service providing method, a program, and an electronic payment system that can improve the convenience of electronic money.

It is a diagram showing an example of the configuration of an electronic payment system according to an embodiment. It is a diagram illustrating the general flow of electronic payment. It is a diagram showing an example of the configuration of a payment server. It is a figure showing an example of the contents of user information. It is a diagram showing an example of the configuration of a payment processing section. It is a figure which shows an example of the flow of the payment process performed when a payment processing part receives a payment request based on a charge balance. It is a figure which shows an example of the flow of the payment process performed when a payment processing part receives a payment request based on a charge balance. 12 is a flowchart illustrating an example of a process flow in which the payment processing unit determines whether or not a shortage in the charge balance can be covered by charging from a securities account.

DESCRIPTION OF THE PREFERRED EMBODIMENTS A service providing device, a service providing method, a program, and an electronic payment system according to the present invention will be described below with reference to the drawings. The service providing device is realized by one or more processors.

[Electronic payment service]
FIG. 1 is a diagram showing a configuration example of an electronic payment system 1 according to an embodiment. The electronic payment service is realized mainly by the payment server 100. Payment server 100 communicates with each of one or more user terminal devices 10 and one or more store terminal devices 50 via network NW, for example. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

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), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, so that the payment application 20 operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 controls the camera, communication device, touch panel, etc.

The store terminal device 50 is installed in a store, for example. The 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 store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize a product price acquisition function and an optical reading function. The store code image 60 is placed in a store, and a code image such as a QR code (registered trademark) is printed on a paper or plastic medium. Note that the store code image 60 may be displayed on a display placed in the store.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the store terminal device 50. The payment server 100 performs electronic payment by, for example, increasing or decreasing the charge balance managed in association with the user ID (in other words, depositing and withdrawing electronic money). Electronic payments may include methods such as revolving payment and credit card payments that enable purchases of a larger amount than the charge balance at the time of purchase.

FIG. 2 is a diagram illustrating the general flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment. In the case of pattern 1, the payment application 20 is first activated on the user terminal device 10 and displays a code image such as a QR code or barcode. The user holds (presents) the display surface of the user terminal device 10 over the store terminal device 50. The store terminal device 50 decodes the code image using an optical reading function and acquires information such as an account ID. Then, the store terminal device 50 generates payment information including an account ID, payment amount, store ID, etc., and transmits it to the payment server 100. Information on the payment amount is obtained in advance by barcode reading, manual input, etc. Based on the received information, the payment server 100 transfers the payment amount from the user's electronic payment account to the store's electronic payment account and completes the payment process.

In the case of pattern 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 using the optical reading function. The store code image 60 includes information such as the store name. The user inputs the payment amount into the user terminal device 10 on the screen displaying the store name and the like. Then, the user terminal device 10 generates payment information including an account ID, payment amount, store ID, etc., and transmits it to the payment server 100. The payment server 100 performs payment processing based on the received information. Note that electronic payment may be performed only in one of the above patterns. Further, the "account ID" described in FIG. 2 may be other information (for example, a telephone number) that can be used as user identification information.

[Payment server]
FIG. 3 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication section 110, a payment content providing section 122, a payment processing section 124, an information management section 130, and a storage section 170. Components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit parts) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit). (including circuitry), or may be realized by collaboration between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage device such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium), and installed in the storage device by loading the storage medium into a drive device.

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the payment server 100 via a network. The storage unit 170 stores information such as user information 172 and payment content information 174.

The communication unit 110 is a communication interface for connecting to the network NW. Communication unit 110 is, for example, a network interface card.

The payment content providing unit 122 has, for example, the function of a web server, and provides the user terminal device 10 with information (content) for displaying various screens of the electronic payment service. The payment content providing unit 122 reads necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 receives various inputs from the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. Note that the content based on the payment content information 174 includes content provided in a logged-in state and content provided in a non-login state. For content in a non-login state, the payment server 100 provides various guidance information and accepts applications for new registration and change of telephone number.

The payment processing unit 124 performs payment processing based on payment information transmitted from the user terminal device 10 or the store terminal device 50. The payment processing unit 124 performs payment processing while referring to the user information 172.

FIG. 4 is a diagram showing an example of the contents of the user information 172. User information 172 is an example of user registration information. The user information 172 includes, for example, an account ID (which may be omitted), in addition to the minimum phone number and password required for new registration, email address, user ID, name/address/date of birth, Associated information such as registration date, charge balance, bank account, credit card number, other service cooperation information, radio wave authentication settings, carrier payment settings, chat friend list, charge history information, payment history information, chat history information, etc. It is. Information other than the telephone number, password, registration date, charge balance, charge history information, and payment history information is optionally set information. Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account. Note that the registration date is the date the user registered with the electronic payment service (the date the account was created).

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated business (bank), remittance from a registered bank account, etc. The bank account and credit card number are each information about a bank account or credit card number (account number, card number) that can be used to deposit money into the electronic payment service. The other service cooperation information is the login ID of another service (for example, operated by an operator belonging to the same business group) that cooperates with the electronic payment service. Radio wave authentication settings are setting information when performing authentication through communication with a specific communication carrier. The carrier payment setting is setting information for transferring at least a part of the payment using the electronic payment service to the communication carrier. The chat friend list is a list of other users with whom you can chat in the chat function provided by the electronic payment service. The charging history information is a history of the user increasing the charging balance by remitting money to the electronic payment service in advance. The payment history information is information that shows details of the payments made by the user (date and time, store ID of the store where the purchase was made, payment amount, etc.) for each payment. Chat history information is a history of the contents of chats conducted by users.

Further, the payment processing unit 124 manages multiple payment methods including balance payment. Balance payment is a method of paying from the charge balance. Multiple payment methods include balance payment, point payment, and credit card payment. The payment processing unit 124 receives a payment request from the user terminal device 10 or the store terminal device 50. Upon receiving the payment request, the payment processing unit 124 executes the payment using the specified payment means.

The information management unit 130 creates a new record of the user information 172 or updates each data item in an already created record based on the information acquired from the user terminal device 10.

FIG. 5 is a diagram showing an example of the configuration of the payment processing section 124. The payment processing section 124 includes, for example, a balance management section 132, a point management section 134, and a card payment management section 136. The balance management unit 132 manages the charge balance. If the charge balance is insufficient at the time of executing the payment process, the balance management unit 132 withdraws the insufficient charge balance from the bank account AC1 or the securities company's securities account AC2 and allocates it to the funds for the payment. Here, the electronic payment service account (payment account) that manages the charge balance is an example of the "first account." Bank account AC1 is an example of a "second account." A securities account AC2 at a securities company is an example of a "third account."

When the balance management unit 132 receives a payment request requesting payment from the charge balance from the store terminal device 50, the balance management unit 132 checks the charge balance, and if the charge balance is insufficient for the payment amount, the balance management unit 132 sends a request to the bank server. 200 or the securities company server 300, a charge request requesting a deposit to the charge balance. The bank server 200 or the securities company server 300 processes the withdrawal of the specified amount and responds to the requesting payment server 100. In the payment server 100, the balance management unit 132 increases the charge balance in response to the response to the charge request. The balance management unit 132 completes the payment by making a payment using the balance after charging, and notifies the store terminal device 50 of this (payment completion). In addition, the balance management section 132 may cooperate with the point management section 134 to convert some or all of the points into a charge balance.

When the point management unit 134 receives a payment request requesting payment using points from the store terminal device 50, it checks the points and, if the points are sufficient for the payment amount, executes the payment using the points. The payment is completed, and the store terminal device 50 is notified of this (payment completed). Note that if there are insufficient points for the payment amount, the store terminal device 50 may be notified of this fact. The point management section 134 may cooperate with the balance management section 132 to convert some or all of the points into a charge balance.

When the card payment management unit 136 receives a payment request requesting payment by credit card from the store terminal device 50, the card payment management unit 136 requests the credit card company to make a credit card payment for the payment requested by the store terminal device 50. Send. The card payment management unit 136 receives a notification of payment completion from the credit card company and notifies the store terminal device 50 that the payment has been completed.

Note that although the case where the payment request is received from the store terminal device 50 has been described here, this assumes the electronic payment of pattern 1 in which payment information is transmitted from the store terminal device 50. On the other hand, in pattern 2 electronic payment, payment information is sent from the user terminal device 10, so in this case, the source of the payment request and the notification destination of payment completion are the user terminal device 10. good.

Further, in the example of FIG. 5, a case has been described in which the balance management unit 132 charges the amount of the insufficient balance from the bank account AC1 or securities account AC2, but the balance may be charged by other methods. . For example, the balance management unit 132 may request a withdrawal from the bank account AC1 via a credit card company instead of directly requesting the bank. That is, the balance management unit 132 may charge the balance in the form of credit card payment.

In addition, any account other than bank account AC1 can be used to charge the balance, as long as it is the user's asset account and can be used to remit money to the payment account (i.e., can be used to charge the balance). It's okay. For example, an operating account having funds that can be used for buying and selling tradable operating assets on an exchange may be used to charge the balance. For example, the operational account includes the securities account AC2 as well as an account opened by the user at a virtual currency exchange. This is an example of a "third account" of such various operating accounts.

In the example of FIG. 5, if the balance in the payment account is insufficient at the time of execution of the payment process, the payment processing unit 124 withdraws the insufficient amount from the bank account AC1 or the securities account AC2 to make the payment. The case where the account is charged has been described, but in this case, the payment processing unit 124 adds a predetermined charge setting amount to the insufficient amount instead of withdrawing and charging the insufficient amount. It may be configured to withdraw and charge the amount. In this case, it is assumed that the charge setting amount is registered in the payment server 100 in advance by the user. The charge setting amount may be an amount set for an automatic deposit function (so-called auto charge), or may be an amount set for a different purpose.

In addition, the payment processing unit 124 transfers the payment amount from the bank account AC1 or the securities account AC2 to the payment account not only when the payment processing is executed, but also after the payment processing is executed, if the balance of the payment account satisfies a predetermined condition. The device may be configured to charge the device. For example, the payment processing unit 124 may charge a predetermined charge setting amount from the bank account AC1 or securities account AC2 if the balance of the payment account falls below a predetermined charge determination amount after execution of the payment process. It may be configured to withdraw money and deposit money into the payment account. In this case, it is assumed that the charge setting amount and the charge determination amount are registered in advance in the payment server 100 by the user.

6 and 7 are flowcharts illustrating an example of the flow of a payment process executed when the payment processing unit 124 receives a payment request using a charge balance. First, the payment processing unit 124 receives a payment request from the user terminal device 10 or the store terminal device 50 (step S101). The payment request shall include payment information necessary for payment processing. When the payment request is accepted, the balance management unit 132 then determines whether the charge balance is insufficient for the payment amount (step S102). Here, if it is determined that the charge balance is not insufficient for the payment amount, the balance management unit 132 executes the payment by paying the payment amount from the charge balance (step S103).

On the other hand, if it is determined in step S102 that the charge balance is insufficient for the payment amount, the balance management unit 132 determines the charge amount that needs to be deposited into the payment account (step S104). For example, the balance management unit 132 may determine the shortfall amount as the charge amount, or may determine the sum of the shortfall amount and the charge setting amount as the charge amount. Subsequently, the balance management unit 132 determines whether or not the charge amount determined in step S104 can be charged from the bank account AC1 (step S105). Note that whether or not charging from the bank account AC1 is possible may be determined based on any criteria, such as the deposit balance of the bank account AC1, a scheduled transfer, or the presence or absence of such transfer. Here, if it is determined that charging from the bank account AC1 is possible, the balance management unit 132 withdraws the charged amount from the bank account AC1 in order to make up for the shortfall in the charging balance by charging from the bank account AC1. A charge request is sent to the bank server 200 (step S106). The balance management unit 132 receives the notification of completion of withdrawal from the bank server 200, charges the payment account (step S107), and calculates the required payment amount from the balance of the payment account that has been charged for the amount charged. Payment is executed by withdrawing money (step S103).

On the other hand, if it is determined in step S105 that charging from the bank account AC1 is not possible, the balance management unit 132 subsequently determines whether or not the same charging amount can be charged from the securities account AC2. (Step S108). Note that whether or not charging from the securities account AC2 is possible may be determined based on any criteria such as the cash balance of the securities account AC2 and the operational status of the managed assets. Here, if it is determined that charging from the securities account AC2 is possible, the balance management unit 132 withdraws the charged amount from the securities account AC2 in order to make up for the shortfall in the charging balance with the charging from the securities account AC2. A charge request is sent to the securities company server 300 (step S109). Note that the charge request to the securities company server 300 includes a withdrawal method based on the deposit balance, and a method based on the sale amount obtained by selling part or all of the managed assets managed in the securities account AC2. Contains instructions for withdrawing money by any of the following methods: The balance management unit 132 receives the notification of completion of withdrawal from the securities company server 300, charges the settlement account (step S107), and calculates the required settlement amount from the balance of the settlement account to which the charge amount has been charged. Payment is executed by withdrawing money (step S103).

On the other hand, if it is determined in step S108 that charging from the securities account AC2 is not possible, the balance management unit 132 subsequently determines whether or not the same charging amount can be charged from points (step S108). S109). Note that whether or not charging from points is possible may be determined based on points, the conversion rate of points to charging balance, etc., based on any criteria. Here, if it is determined that charging from the points is possible, the balance management unit 132 performs charging from the points for the charging amount (step S111), and executes the payment by paying the payment amount from the balance after charging. (Step S103). Note that although a case has been described here in which the balance is charged using points, the balance management unit 132 may offset the shortage of the balance with points, and strictly speaking, it is not necessary to charge the balance.

On the other hand, if it is determined in step S110 that charging from points is not possible, the balance management unit 132 notifies the user terminal device 10, which is the source of the payment request, that there is no payment method that can be used. (Step S112: Error notification).

The processing up to this point is the processing executed when executing the payment processing. Below, a description will be given of the processing that is performed after the payment processing is executed. First, the balance management unit 132 determines whether the charge balance is equal to or greater than a predetermined charge determination amount (step S113). Here, if it is determined that the charge balance is equal to or greater than the charge determination amount, the balance management unit 132 ends the processing flow without charging the balance.

On the other hand, if it is determined in step S113 that the charge balance is less than the charge determination amount, the balance management unit 132 determines the charge amount to be deposited into the payment account (step S114). For example, the balance management unit 132 determines a predetermined charge setting amount as the charge amount. The balance management unit 132 determines whether or not it is possible to charge the charge amount determined in step S113 to the bank account AC1, securities account AC2, and points in this order, and uses chargeable resources to charge the charge amount to the settlement account. is charged (steps S115 to S121). Note that steps S115 to S121 are similar to steps S105 to S111 described above. Further, as in step S110, if it is determined in step S120 that charging from points is not possible, the balance management unit 132 notifies the user terminal device 10 that there is no payment method available ( Step S112: Error notification), the process flow ends.

Note that the flowcharts in FIGS. 6 and 7 illustrate a case in which the payment processing unit 124 sequentially determines usable charging methods according to a predetermined priority order, but in contrast, the payment processing unit 124 may be configured to accept a user's operation to select a charging method, and to determine the usability of the selected charging method.

FIG. 8 is a flowchart illustrating an example of a process flow in which the payment processing unit 124 determines whether or not it is possible to charge the payment account from the securities account AC2 by the amount to be charged. The processing flow shown in FIG. 8 can be said to show details of the determination method in step S108 explained in FIGS. 6 and 7. Note that various information regarding the user's securities account AC2 is required in the process of FIG. shall be First, the payment processing unit 124 refers to the account balance of the user's securities account AC2 and determines whether the deposit balance can cover the charge amount (step S201). Note that, as described above, whether charging from the securities account AC2 is possible may be determined based on the cash balance of the securities account AC2, the operational status of the managed assets, the withdrawal schedule, etc., based on any criteria.

Here, if it is determined that the charge amount can be covered by the account balance of the securities account AC2, the payment processing unit 124 determines that the charge amount can be charged from the securities account AC2 (step S202: Charge possible), End the processing flow. On the other hand, if it is determined in step S201 that the charge amount cannot be covered by the account balance of the securities account AC2, then the payment processing unit 124 determines whether there are any assets that can be sold among the user's managed assets. Determination is made (step S203).

Here, if it is determined that there are no assets that can be sold among the user's managed assets, the payment processing unit 124 determines that the charge amount cannot be charged from the securities account AC2 (step S204: charging is not possible), the processing flow ends. On the other hand, if it is determined in step S203 that there are assets that can be sold among the user's managed assets, then the payment processing unit 124 determines whether there are any assets that can be sold immediately among the user's managed assets. (Step S205).

Here, if it is determined that there are assets that can be sold immediately among the user's managed assets, the payment processing unit 124 sells the assets that can be sold immediately, and the charge amount is transferred from the securities account AC2. It is determined that charging is possible (step S202: charging is possible), and the processing flow is ended. On the other hand, in step S205, if it is determined that there are no assets that can be sold immediately among the user's managed assets, the payment processing unit 124 determines the amount of risk to be charged until the sale of the user's managed assets is completed. It is determined whether collateral is possible (step S206). For example, the risks here include the interest burden on the managed assets to be sold until the sale is completed, and the risk of bad debts due to some reason.

Here, if it is determined that the above-mentioned risk cannot be guaranteed for the charge amount, the payment processing unit 124 determines that the charge amount cannot be charged from the securities account AC2 (step S204: Charge (Not possible), terminate the processing flow. On the other hand, if it is determined in step S206 that the above-mentioned risk can be secured for the charge amount, the payment processing unit 124 determines that the charge amount can be charged from the securities account AC2 (step S202 : Can be charged), ends the processing flow.

In the flow of FIG. 8, it is assumed that the charging method for securities account AC2 is examined and selected based on a predetermined priority order. The priority order may be set in any way, but here, a method of charging from the account balance (step S201), a method of charging using income obtained by selling managed assets that can be sold immediately (step S205), The priority is given to methods (steps S203 and S206) that enable charging by guaranteeing the risk of operational assets that cannot be sold immediately until the sale is completed by a person other than the user (steps S203 and S206).

According to the electronic payment system 1 of the embodiment described above, the balance management unit 132 (an example of a first account management unit) manages a payment account (an example of a first account) that has funds that can be used for electronic payment; A bank server 200 (an example of a second account management unit) that manages a bank account that is a second account of a user who has a payment account, and a securities account (an example of a third account) that the user has at an exchange. A securities company server 300 (an example of a third account management unit) that manages securities accounts that have funds that can be used to buy and sell tradable managed assets, and a settlement server that executes payment processing by electronic payment in response to user requests. If the balance of the payment account satisfies a predetermined condition at the time or after the payment processing is executed, the payment processing unit 124 (balance management unit 132) transfers the relevant amount from the bank account or securities account. By withdrawing a predetermined amount according to the conditions and depositing it into a payment account, the convenience of electronic money can be improved.

<Modified example>
In the above embodiment, a case has been described in which the securities account AC2 can be selected as the account from which the charge amount to be deposited into the settlement account is withdrawn. Furthermore, in the above embodiment, the case has been described in which the payment processing unit 124 of the payment server 100 can select the charging method from among a plurality of charging methods when charging from the securities account AC2. However, the process of selecting this charging method does not necessarily need to be performed by the payment server 100, and may be performed by the securities company server 300. In this case, in the electronic payment system 1, the payment processing unit 124 of the payment server 100 inquires of the securities company server 300 whether or not it is possible to charge from the securities account AC2, and the securities company server 300 executes the processing flow shown in FIG. may be configured to determine the charging method from the securities account AC2.

In the above embodiment, it is assumed that the payment server 100 provides an electronic payment function using the payment patterns of pattern 1 and pattern 2 at a physical store, but in addition to these two payment patterns, the payment server 100 provides It is also possible to provide an electronic payment function according to the payment pattern of pattern 3, which allows electronic payment to be used in electronic commerce on an EC site or the like. For example, in electronic payment according to pattern 3, a user accesses an EC site using the user terminal device 10 and selects a product to purchase. Subsequently, when the user selects a payment method, the user terminal device 10 cooperates with the payment server 100 to authenticate the user. The payment server 100 performs electronic payment for the product to be purchased when the user authentication is successful. In the electronic payment system 1 according to the embodiment, even in the electronic payment of pattern 3, if the charge balance of the payment account is insufficient, in addition to the bank account, the electronic payment system 1 charges money from other financial transaction accounts such as securities accounts. It is possible to charge the shortfall and execute the payment.

Although the mode for implementing the present invention has been described above using embodiments, the present invention is not limited to these embodiments in any way, and various modifications and substitutions can be made without departing from the gist of the present invention. can be added.

DESCRIPTION OF SYMBOLS 1...Electronic payment system, 10...User terminal device, 20...Payment application, 50...Store terminal device, 60...Store code image, 100...Payment server, 110...Communication department, 122...Payment content providing unit, 124...Payment Processing unit, 130... Information management unit, 132... Balance management unit, 134... Point management unit,
136... Card payment management unit, 170... Storage unit, 172... User information, 174... Payment content information, 200... Bank server, 300... Securities company server, AC1... Bank account, AC2... Securities account

Claims (15)

A service providing device that provides a payment service using electronic payment,
a first account management unit that manages a first account having funds that can be used for the electronic payment;
a second account management unit that manages a bank account that is a second account of the user who has the first account;
a third account management department that manages a third account owned by the user and which has funds that can be used to buy and sell operational assets that can be traded on an exchange;
a payment processing unit that executes payment processing using the electronic payment in response to a request from the user;
Equipped with
When the balance of the first account satisfies a predetermined condition during or after execution of the payment process, the payment processing unit withdraws a predetermined amount according to the condition from the second account or the third account. money and deposit it into the first account,
If the balance in the first account is insufficient at the time of executing the payment process, instruct the third account management department to sell some or all of the managed assets managed in the third account, and Allocating part or all of the sale amount to the said shortfall;
Service provision equipment. The payment processing unit may charge a predetermined charge setting amount from the second account or the third account if the balance of the first account falls below a predetermined charge determination amount after executing the payment process. Withdraw and deposit into the first account,
The service providing device according to claim 1. If the balance in the first account is insufficient when executing the payment processing, the payment processing unit withdraws the amount of the shortage from the second account or the third account and transfers the amount to the first account. After making the deposit, execute the payment related to the request;
The service providing device according to claim 1 or 2. If the balance in the first account is insufficient at the time of execution of the payment processing, the payment processing unit charges a predetermined charge setting amount from the second account or the third account to the amount of the shortage. After withdrawing the added amount and depositing it into the first account, execute the payment according to the request;
The service providing device according to claim 1 or 2. The third account is an account opened by the user at a securities company or a virtual currency exchange.
The service providing device according to any one of claims 1 to 4. The third account management unit sells managed assets that can be sold immediately among the managed assets managed in the third account.
The service providing device according to any one of claims 1 to 5. The payment processing unit causes a business associated with providing the payment service to guarantee the risk of the managed assets to be sold among the managed assets managed in the third account until the sale of the managed assets is completed. causing the said managed assets to be sold in the form of
The service providing device according to any one of claims 1 to 6. When the balance in the first account is insufficient, the payment processing unit selects an account from which the insufficient balance is to be withdrawn from among the second account and the third account based on a predetermined priority order. determine,
The service providing device according to any one of claims 1 to 7. A service providing device that provides payment services by electronic payment is
managing a first account having funds available for said electronic payment;
managing a bank account that is a second account of the user who has the first account;
Managing a third account owned by the user that has funds that can be used to buy and sell managed assets that can be traded on an exchange;
executing the electronic payment payment process in response to the user's request;
When the balance of the first account satisfies a predetermined condition when or after the payment process is executed, a predetermined amount according to the conditions is withdrawn from the second account or the third account and the first depositing money into the account, and
A service provision method comprising:
If the balance in the first account is insufficient at the time of executing the payment process, part or all of the managed assets managed in the third account are sold, and part or all of the sale amount is transferred to the third account. Appropriate for the shortfall,
How we provide our services. A service providing device that provides payment services by electronic payment,
managing a first account having funds available for said electronic payment;
managing a bank account that is a second account of the user who has the first account;
Managing a third account owned by the user that has funds that can be used to buy and sell managed assets that can be traded on an exchange;
executing the electronic payment payment process in response to the user's request;
When the balance of the first account satisfies a predetermined condition when or after the payment process is executed, a predetermined amount according to the conditions is withdrawn from the second account or the third account and the first depositing money into the account, and
A program for executing a service provision method including,
If the balance in the first account is insufficient at the time of executing the payment process, part or all of the managed assets managed in the third account are sold, and part or all of the sale amount is transferred to the third account. Appropriate for the shortfall,
program for. An electronic payment system that provides payment services by electronic payment,
a first account management unit that manages a first account having funds that can be used for the electronic payment;
a second account management unit that manages a bank account that is a second account of the user who has the first account;
a third account management department that manages a third account owned by the user and which has funds that can be used to buy and sell operational assets that can be traded on an exchange;
a payment processing unit that executes payment processing using the electronic payment in response to a request from the user;
Equipped with
When the balance of the first account satisfies a predetermined condition during or after execution of the payment process, the payment processing unit withdraws a predetermined amount according to the condition from the second account or the third account. money and deposit it into the first account,
If the balance in the first account is insufficient at the time of executing the payment process, instruct the third account management department to sell some or all of the managed assets managed in the third account, and Allocating part or all of the sale amount to the said shortfall;
Electronic payment system. A service providing device that provides a payment service using electronic payment,
a first account management unit that manages a first account having funds that can be used for the electronic payment;
a second account management unit that manages a bank account that is a second account of the user who has the first account;
a third account management department that manages a third account owned by the user and which has funds that can be used to buy and sell operational assets that can be traded on an exchange;
a payment processing unit that executes payment processing using the electronic payment in response to a request from the user;
Equipped with
When the balance of the first account satisfies a predetermined condition during or after execution of the payment process, the payment processing unit withdraws a predetermined amount according to the condition from the second account or the third account. money and deposit it into the first account,
If the balance in the first account is insufficient at the time of execution of the payment process, the amount equal to the insufficient amount plus a predetermined charge setting amount will be withdrawn from the second account or the third account. and after depositing the money into the first account, execute the payment according to the request;
Service provision equipment. A service providing device that provides payment services by electronic payment is
managing a first account having funds available for said electronic payment;
Manage a bank account that is a second account of the user who has the first account,
Managing a third account owned by the user that has funds that can be used to buy and sell managed assets that can be traded on an exchange;
executing the electronic payment payment process in response to the user's request;
A service provision method,
When the balance of the first account satisfies a predetermined condition when or after the payment process is executed, a predetermined amount according to the conditions is withdrawn from the second account or the third account and the first The money is deposited into the account,
If the balance in the first account is insufficient at the time of execution of the payment process, the amount equal to the insufficient amount plus a predetermined charge setting amount will be withdrawn from the second account or the third account. and after depositing the money into the first account, execute the payment according to the request;
How we provide our services. A service providing device that provides payment services by electronic payment,
manage a first account having funds that can be used for the electronic payment;
Manage a bank account that is a second account of the user who has the first account,
Manage a third account owned by the user that has funds that can be used for buying and selling managed assets that can be traded on an exchange;
executing the electronic payment payment process in response to a request from the user;
It is a program for
When the balance of the first account satisfies a predetermined condition when or after the payment process is executed, a predetermined amount according to the conditions is withdrawn from the second account or the third account and the first It allows you to deposit money into your account,
If the balance in the first account is insufficient at the time of execution of the payment process, the amount equal to the insufficient amount plus a predetermined charge setting amount will be withdrawn from the second account or the third account. and causing the payment to be made in the first account, and then to execute the payment according to the request;
program for. An electronic payment system that provides payment services by electronic payment,
a first account management unit that manages a first account having funds that can be used for the electronic payment;
a second account management unit that manages a bank account that is a second account of the user who has the first account;
a third account management department that manages a third account owned by the user and which has funds that can be used to buy and sell operational assets that can be traded on an exchange;
a payment processing unit that executes payment processing using the electronic payment in response to a request from the user;
Equipped with
When the balance of the first account satisfies a predetermined condition during or after execution of the payment process, the payment processing unit withdraws a predetermined amount according to the condition from the second account or the third account. money and deposit it into the first account,
If the balance in the first account is insufficient at the time of execution of the payment process, the amount equal to the insufficient amount plus a predetermined charge setting amount will be withdrawn from the second account or the third account. and after depositing the money into the first account, execute the payment according to the request;
Electronic payment system.

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