JP7614146B2 - Financial institution systems and computer programs - Google Patents

Description

This invention relates to a financial institution system and a computer program.

As a non-cash payment method at the stores and EC sites of businesses such as retailers, credit card payments and electronic money payments provided by payment business operators (acquirers) are used. In addition to the conventional system in which sales proceeds from these non-cash payment methods are paid to businesses by the payment business operator, there is also a system in which payments are made to businesses by a payment agent called a PSP (Payment Service Provider). In the latter case, since it takes time for the sales proceeds to be paid, a service is provided in which the PSP pays the sales proceeds to the business, for example, the next day after the above-mentioned non-cash payment method is paid. Patent Document 1 proposes a deposit processing device that can process deposits into the account of a business related to a non-cash payment method in accordance with the business's business format.

Patent No. 6616916

In the case of a system in which the PSPs described above pay sales revenues made using non-cash payment methods such as credit card payments and electronic money payments to businesses the next day, even if the services are non-cash payment methods such as credit card payments and electronic money payments provided by the same payment business, each PSP needs to build its own computer system for paying sales revenues to businesses, which imposes development costs on the PSPs.

The object of this invention is to provide a financial institution system in which a payment service provider pays sales proceeds made by means of payment methods other than cash to a business on behalf of a PSP.

[1]
A financial institution system in which a financial institution, which is a first settlement business operator, pays sales revenue of a business operator recorded by a settlement means other than cash to the business operator,
a payment information acquisition unit that acquires payment information for each transaction from a system managed by a payment agent via a communication network, the payment information including information on the business operator, information on the payment method, and information on the payment amount by the payment method;
a settlement amount calculation unit that calculates, for each transaction, a first settlement amount to be paid to the business through the payment means provided by the first payment business operator and a second settlement amount to be paid to the business through the payment means provided by a second payment business operator different from the first payment business operator, based on the acquired payment information and a predetermined fee of the payment agent, and calculates a total settlement amount, which is the amount to be paid by the first payment business operator to the business, for each first settlement cycle;
a transfer instruction processing unit that instructs a remittance processing system to transfer the amount of the total settlement amount to the financial institution account of the business operator at a predetermined timing after the calculated date when the calculated total settlement amount is a positive value;
A financial institution system comprising:

[2]
A computer program for causing a computer to function as the financial institution system described in [1].

This invention makes it possible to provide a financial institution system in which a payment service provider pays sales proceeds made by payment methods other than cash to a business on behalf of a PSP.

1 is a diagram illustrating an example of the configuration of an entire system including a financial institution system according to an embodiment of the present invention. FIG. 2 is a diagram showing an example of a configuration of a server provided in the financial institution system of the present embodiment, illustrating a software configuration. 11 is a diagram showing an example of a payment information table and a contract information table used in information processing by the financial institution system of the present embodiment. FIG. 11 is a diagram showing an example of a rate information table and a fee information table used in information processing by the financial institution system of the present embodiment. FIG. 11A to 11C are diagrams showing examples of a settlement information table, an unsettled information table, and a difference settlement information table used in information processing by the financial institution system of this embodiment. 11 is a flow diagram showing an example of a calculation process of a settlement amount for each transaction by the financial institution system of this embodiment. FIG. 11 is a flow diagram illustrating an example of a calculation process of a total settlement amount by the financial institution system of this embodiment. FIG. A diagram showing (a) an example of a breakdown of the transfer amount according to the amount of the total settlement amount, and (b) an example of a breakdown of the unsettled amount. 10 is a flow diagram showing an example of a calculation process of a periodic payment amount by the financial institution system of the present embodiment. FIG. FIG. 13 is a diagram showing an example of a breakdown of the difference settlement amount between a PSP and a payment service provider.

An example of an embodiment of the present invention will be described below with reference to the attached drawings. The financial institution system 1 of this embodiment is composed of one or more computers, and is used when a financial institution pays a business operator sales revenue recorded by a payment method other than cash, such as credit card payment, contactless payment represented by transportation or retail IC cards that are electronic money payments, and code payment using a mobile terminal, on behalf of a payment agent.

In one embodiment, this is a financial institution system in which financial institutions, which are settlement businesses such as city banks and so-called online banks that conduct banking operations on the Internet, pay sales revenues of businesses recorded using payment methods other than cash, such as the credit card payments and electronic money payments, provided to businesses such as retailers, on behalf of a settlement agent.

Such a financial institution system 1 is a system provided and managed by a financial institution that is a first payment service provider among multiple financial institutions that are payment service providers that provide retailers and other businesses with payment methods other than cash, such as the above-mentioned credit card payment and electronic money payment, using one or more computers.

As one embodiment, a financial institution system 1 can be constructed in such a manner that a business operator system, which each of a plurality of business operators has built on a communications network, such as a POS system or an EC site, is communicatively connected to a payment operator system, which each of a plurality of financial institutions, which is a second payment operator different from the above-mentioned first payment operator, has built on a communications network, and the first payment operator pays the business operator's sales revenue, which is recorded using the above-mentioned non-cash payment means provided by the first payment operator and the second payment operator, to the business operator on behalf of the payment agent.

In the form shown in FIG. 1, the financial institution system 1 is constructed by being connected to a payment service provider system 2 managed by a second payment service provider, a payment agent system (hereinafter referred to as the "PSP system") 3 managed by a payment agent (hereinafter sometimes referred to as the "PSP") that acts as an intermediary in the provision of the payment service provider's non-cash payment methods to business operators, a business operator system 4 such as a POS system and EC site managed by the business operator, and a payment center system 5 managed by a payment center that obtains confirmation messages of business operator sales using non-cash payment methods from the PSP system 3 via the business operator system 4, so that they can communicate with each other via a communication network 6.

The system may also be configured so that the functions of the financial institution system 1, the PSP system 3, and the payment center system 5 are located in the same system without going through the communication network 6.

This embodiment includes a computer program for causing a computer to function as the financial institution system 1 described in this embodiment.

[Financial institution system]
The financial institution system 1 is a system constructed by a financial institution, which is a first payment business operator that provides businesses such as retailers with payment methods other than cash, such as credit card payments and electronic money payments, using one or more computers (terminals such as personal computers, smartphones, tablets, etc.) and servers. The server of the financial institution system 1 includes, as a hardware configuration (not shown), a CPU that executes various computer programs and performs calculation processing, a memory such as RAM and ROM that stores various data, an auxiliary storage device such as an internal storage, and a communication module that transmits and receives various information to and from the PSP system 3, the business operator system 4, and the payment center system 5 via the communication network 6. The server may be composed of one or more devices, or may be a server realized on the cloud.

As shown in FIG. 2, the financial institution system 1 has a software configuration including a payment information acquisition unit 7, a contract information matching unit 8, a fee calculation unit 9, a settlement amount calculation unit 10, a periodic payment amount calculation unit 11, a transfer instruction processing unit 12, an account transfer instruction processing unit 13, a settlement status notification unit 14, and a memory unit 15.

When a payment method other than cash, such as a credit card or electronic money provided by the first and second payment providers, is used in a transaction with a customer at the business's store or EC site, the payment information acquisition unit 7 performs processing to acquire payment information for each transaction from the business system 4 via the PSP system 3 and the payment center system 5, the payment information including information on the business, information on the payment method used, and information on the payment amount using the payment method used.

In this embodiment, when the payment method provided by the first payment service provider is used, payment information having information about the service provider, information about the payment method, and information about the payment amount is sent as a final message from the service provider system 4 to the PSP system 3 and payment center system 5 in that order for each transaction, and the payment information acquisition unit 7 acquires this final message from the payment center system 5. Also, when the payment method provided by the second payment service provider is used, payment information having information about the service provider, information about the payment method, and information about the payment amount is sent as a final message from the service provider system 4 to the PSP system 3 and payment center system 5 in that order for each transaction, and the payment information acquisition unit 7 acquires a copy of this final message.

The contract information matching unit 8 performs a process of matching the information on businesses that constitute the payment information acquired by the payment information acquisition unit 7 with the contract information 17 described below to determine whether the business is a business that has a contractual relationship with the first payment business.

The fee calculation unit 9 performs processing to calculate the wholesale fee, retail fee, and PSP receipt fee received by the payment agent for each transaction based on the payment amount related to the information on the payment amount constituting the payment information acquired by the payment information acquisition unit 7, and the wholesale fee rate and retail fee rate constituting the rate information 18 described below. In this embodiment, the wholesale fee is a fee set by the first payment service provider, the retail fee is a fee set by the payment agent, and the PSP receipt fee is the amount obtained by subtracting the wholesale fee from the retail fee.

The settlement amount calculation unit 10 performs a process of calculating a first settlement amount to be paid to the business by the payment means provided by the first payment business operator and a second settlement amount to be paid to the business by the payment means provided by the second payment business operator, based on the payment information acquired by the payment information acquisition unit 7 and the retail fee calculated by the fee calculation unit 9. The settlement amount calculation unit 10 also performs a process of calculating the total settlement amount to be paid by the first payment business operator to the business for each first settlement cycle, based on the first settlement amount and the second settlement amount. In this embodiment, the settlement amount calculation unit 10 calculates the first settlement amount and the second settlement amount for each transaction, and calculates the total settlement amount for each business operator at a predetermined calculation time each day.

The periodic payment calculation unit 11 performs a process of calculating the periodic payment amount to be paid from the first payment business to the payment agent or the periodic payment amount to be paid from the payment agent to the first payment business for each second settlement cycle and for each payment agent, based on the first settlement amount and the second settlement amount calculated by the settlement amount calculation unit 10 and the fee paid by the first payment business to the payment agent. The process of calculating the periodic payment amount offsets the PSP receipt fee and the second settlement amount paid from the payment agent to the first payment business, and in this embodiment, the proposed payment calculation unit 11 calculates the periodic payment amount on a predetermined calculation day each month.

When the total settlement amount calculated by the settlement amount calculation unit 10 is a positive value, the transfer instruction processing unit 12 performs processing to instruct the remittance processing system (not shown) to transfer the amount related to the total settlement amount to the business operator's financial institution account at a specified timing after the calculation date. In this embodiment, the transfer instruction processing unit 12 transmits a transfer instruction message to the remittance processing system to instruct the execution of the transfer immediately after calculating the total settlement amount.

The transfer instruction processing unit 12 also performs processing to instruct the remittance processing system to transfer the amount of the periodic payment to be paid by the first payment business operator to the payment agent, calculated by the periodic payment amount calculation unit 11, to the financial institution account of the payment agent at a specified time after the calculation date. In this embodiment, the transfer instruction processing unit 12 transmits a transfer instruction message to the remittance processing system to instruct the execution of the transfer on a specified day after the month of the calculation date of the periodic payment amount or the following month.

The account transfer instruction processing unit 13 performs processing to instruct the remittance processing system to transfer the amount of the periodic payment to be paid from the payment agent to the first payment business operator, calculated by the periodic payment amount calculation unit 11, from the financial institution account of the payment agent to the financial institution account of the first payment business operator at a specified timing after the calculation date. In this embodiment, the account transfer instruction processing unit 13 transmits a transfer instruction message to the remittance processing system instructing the execution of the account transfer on a specified day after the month of the calculation date of the periodic payment amount or the following month.

The settlement status notification unit 14 performs a process of transmitting information regarding the total settlement amount to be paid to the business operator to the business operator system 4 at the time the settlement amount calculation unit 10 calculates the total settlement amount.

In addition, when the periodic payment calculation unit 11 calculates the periodic payment amount to be paid from the payment agent to the first payment business operator, the settlement status notification unit 14 performs a process of sending information regarding the periodic payment amount to the terminal used by the first payment business operator.

In addition, the settlement status notification unit 14 performs a process of sending information regarding the periodic payment amount to the PSP system 3 when the periodic payment calculation unit 11 calculates the periodic payment amount to be paid from the first payment business operator to the payment agent.

The memory unit 15 performs the process of recording various information in the following tables:

Payment Information Table As shown in FIG. 3, payment information 16 such as "transaction date", "transaction time", "affiliated store (business) ID" linked to "transaction ID", "code of payment agent (PSP code)" in a contractual relationship with the business, "type of payment business operator" in a contractual relationship with the business, "payment method name", "payment amount", and "calculation date" of the total settlement amount are recorded in the payment information table. In addition, in the "type of payment business operator", "In-House" represents the first payment business operator, and "Out-Source" represents the second payment business operator. In addition, the information on the business operator can be composed of "business ID", "PSP code", etc., the information on the payment method can be composed of "type of payment business operator", "PSP code", "payment method name", etc., and the information on the payment amount can be composed of "PSP code", "transaction date", "transaction time", "transaction ID", "type of payment business operator", "payment method name", "payment amount", etc.

Contract information table As shown in Fig. 3, contract information 17 such as "PSP code" and "application date" linked to "business ID", and financial institution information of the business ("bank code", "branch code", "account type", "account number") is recorded in the contract information table. Financial institution information of the payment agent may also be recorded.

Rate Information Table As shown in FIG. 4, rate information 18 such as the “PSP code”, “type of payment service provider”, “name of payment method”, the “wholesale rate” of the wholesale fee set by the first payment service provider, and the “retail rate” of the retail fee set by the payment agent, linked to the “service provider ID”, is recorded in the rate information table.

Fee Information Table As shown in FIG. 4, fee information 19 such as "PSP code,""operatorID,""first settlement amount,""second settlement amount,""wholesalefee,""retailfee,""PSP receipt fee," and "difference settlement date" linked to the "transaction ID" is recorded in the fee information table.

Settlement Information Table As shown in Figure 5, settlement information 20 such as "PSP code,""first settlement amount,""second settlement amount,""total settlement amount,""total transfer amount,""own company transfer amount,""transfer amount to other company,""paymentdate" to the business, and "difference settlement date" linked to the "business ID" is recorded in the settlement information table.

The total settlement amount represents the sum of the first settlement amount and the second settlement amount calculated for each PSP code and business ID. If this amount is a positive value, it is recorded as the total transfer amount. If it is a negative value, the total transfer amount is recorded as zero and the negative total settlement amount is recorded as the unsettled amount in the unsettled information table. Examples of cases in which the total settlement amount will be a negative value include transactions such as returns.

The "own transfer amount" is the amount paid by the first payment service provider to the business operator as a result of the use of the above-mentioned payment method provided by the first payment service provider, and the "other company transfer amount" is the amount paid by the first payment service provider to the business operator on behalf of the second payment service provider as a result of the use of the above-mentioned payment method provided by the second payment service provider.

Unsettled information table As shown in Figure 5, unsettled information 21 such as the "PSP code" linked to the "business operator ID", the "company unsettled amount" of the first payment business operator used in the calculation process of the total settlement amount, and the "other company unsettled amount" of the second payment business operator are recorded in the unsettled information table.

5, the difference settlement information table records difference settlement information 22 such as the "PSP code" linked to the "business ID", the aggregated "second settlement amount", the "first difference settlement amount" paid from the settlement agent to the first settlement agent, the "second difference settlement amount" paid from the first settlement agent to the settlement agent, the "PSP receiving fee (other company)" which is a fee received by the settlement agent when the first settlement amount is zero, and the "PSP receiving fee (our company)" which is a fee received by the settlement agent when the second settlement amount is not zero. Note that the PSP receiving fee (other company) is a fee received by the PSP related to the payment means wholesaled to the settlement agent by the second settlement agent, and the PSP receiving fee (our company) is a fee received by the PSP related to the payment means wholesaled to the settlement agent by the first settlement agent.

[Payment service provider system]
The payment service provider system 2 is a system constructed by a plurality of financial institutions, which are second payment service providers different from a first payment service provider that provides businesses such as retailers with payment methods other than cash, such as credit card payments and electronic money payments, with one or more computers (terminals such as personal computers, smartphones, tablets, etc.) and servers. The server of the payment service provider system 2 includes, as a hardware configuration (not shown), a CPU that executes various computer programs and performs calculation processing, a memory such as RAM and ROM that stores various data, an auxiliary storage device such as an internal storage, and a communication module that transmits and receives various information to and from the PSP system 3, the business provider system 4, and the payment center system 5 via the communication network 6. The server may be composed of one or more devices, or may be a server realized on the cloud.

[PSP system]
The PSP system 3 is a system constructed by a plurality of payment agents who act as intermediaries for the provision of payment methods other than cash to businesses by the payment business operators, each of which is composed of one or more computers (terminals such as personal computers, smartphones, tablets, etc.) and servers. The server of the PSP system 3 is composed of a CPU that executes various computer programs and performs calculation processing as a hardware configuration (not shown), a memory such as RAM and ROM that stores various data, an auxiliary storage device such as an internal storage, and a communication module that transmits and receives various information to and from the financial institution system 1, the payment business operator system 2, the business system 4, and the payment center system 5 via the communication network 6. The server may be composed of one or more devices, or may be a server realized on the cloud.

[Business operator system]
The business operator system 4 is a Web system capable of providing a POS system or an EC site that is constructed by a plurality of businesses, such as retailers, which introduce payment methods other than cash, such as credit card payment and electronic money, provided by a first payment business operator and a second payment business operator, using one or more computers (terminals such as personal computers, smartphones, tablets, etc.) or servers. The server of the business operator system 4 is equipped with a CPU that executes various computer programs and performs calculation processing as a hardware configuration (not shown), a memory that stores various data such as RAM and ROM, an auxiliary storage device such as an internal storage, and a communication module that transmits and receives various information to and from the financial institution system 1, the payment business operator system 2, the PSP system 3, and the payment center system 5 via the communication network 6. The server may be composed of one or more devices, or may be a server realized on the cloud.

[Payment Center System]
The settlement center system 5 is a system constructed by a settlement center that acquires a confirmation message of the sales of the business operator by the payment means other than cash from the PSP system 3 through the business operator system 4, using one or more computers (terminals such as personal computers, smartphones, tablets, etc.) and servers. The server of the settlement center system 5 includes, as hardware configuration, a CPU that executes various computer programs and performs calculations, a RAM, a memory such as a ROM that stores various data, an auxiliary storage device such as an internal storage, and a communication module that transmits and receives various information to and from the financial institution system 1, the settlement operator system 2, the PSP system 3, and the business operator system 4 via the communication network 6. The server may be composed of one or more devices, or may be a server realized on the cloud.

Below, an example of the processing flow of the financial institution system 1 of this embodiment is described with reference to Figures 6 to 10.

[Calculation process flow of first settlement amount and second settlement amount]
(S101)
When a payment method other than cash, such as a credit card or electronic money provided by a first payment company, is used in a transaction with a customer at a store of the business operator or an EC site, payment information having information on the business operator, information on the payment method, and information on the payment amount is transmitted as a confirmation message from the business operator system 4 to the PSP system 3 and then to the payment center system 5 for each transaction, and the payment information acquisition unit 7 acquires this confirmation message from the payment center system 5. The storage unit 15 records necessary information from the confirmation message in the payment information table as payment information 16 shown in FIG. 3.
Furthermore, when a payment method other than cash, such as a credit card or electronic money provided by a second payment business operator, is used in a transaction with a customer at the business operator's store or EC site, payment information having information on the business operator, information on the payment method, and information on the payment amount is transmitted as a confirmation message from the business operator system 4 to the PSP system 3 and then to the payment center system 5 for each transaction, and the payment information acquisition unit 7 acquires a copy of this confirmation message from the payment center system 5. The storage unit 14 records necessary information from the copy of the confirmation message in the payment information table as payment information 15 shown in FIG.

(S102)
The contract information matching unit 8 performs a process of matching the contract information 17 to determine whether the business operator related to the information regarding the business operator that constitutes the payment information acquired by the payment information acquisition unit 7 is an operator that has a contractual relationship with the first payment business operator.
If, as a result of matching with the contract information 17, it is found that the business relating to the information about the business does not have a contractual relationship with the first payment business (S102-N), the memory unit 15 records the date in the “Calculation date” field of the payment information table and terminates the processing.

(S103)
If, as a result of matching with contract information 17, it is determined that the business operator related to the information about the business operator has a contractual relationship with the first payment business operator (S102-Y), the fee calculation unit 9 performs a process of calculating the wholesale fee and retail fee based on the payment amount related to the information about the payment amount that constitutes the payment information acquired by the payment information acquisition unit 7 and the wholesale rate and retail rate that constitute rate information 18.
For example, in FIG. 3, if a payment method other than cash, such as a credit card or electronic money, provided by the first payment business operator, "Bosa," is introduced through a payment agent assigned with a PSP code "NMV," a transaction is made at a store or EC site of a business operator assigned with a business ID "USN200100001," and a payment amount (A) of 1,000 yen is recorded, the fee calculation unit 9 refers to the rate information table and uses the wholesale rate (B): 0.50% and retail rate (C): 0.99% corresponding to the first payment business operator, payment method, PSP code, and business ID to calculate the fee amount (A):
Calculate retail fee (D) = settlement amount (A) x retail rate (C) = 10 yen and wholesale fee (E) = settlement amount (A) x wholesale rate (B) = 5 yen.
Furthermore, the fee calculation unit 9 calculates, out of the retail fee (D), the PSP receipt fee (F) = retail fee (D) - wholesale rate (B) = 5 yen.
The storage unit 15 records information in each item of the fee information table shown in FIG. 4, and also records the date in the "calculation date" item of the settlement information table shown in FIG.
In addition, for example, in FIG. 3, when a payment method other than cash, such as a credit card or electronic money, "NCB" provided by the second payment business operator is introduced through a payment agent assigned with a PSP code "YJL", a transaction is made at a store or EC site of the business operator assigned with a business ID "OPH200205644", and a payment amount (A) of 353,154 yen is recorded, the fee calculation unit 9 refers to the rate information table and uses the wholesale rate (B): 0.90% and retail rate (C): 0.99% corresponding to the second payment business operator, payment method, PSP code, and business ID to calculate the fee amount (A) of 353,154 yen.
Calculate retail fee (D) = settlement amount (A) x retail rate (C) = 3,496 yen and wholesale fee (E) = settlement amount (A) x wholesale rate (B) = 3,178 yen.
Furthermore, the fee calculation unit 9 calculates, out of the retail fee (D), the PSP receipt fee (F) = retail fee (D) - wholesale rate (B) = 318 yen.
The storage unit 15 records information in each item of the fee information table shown in FIG. 4, and also records the date in the "calculation date" item of the settlement information table shown in FIG.

(S104)
The settlement amount calculation unit 10 performs a process of calculating a first settlement amount to be paid to the business via a payment means provided by a first payment service provider and a second settlement amount to be paid to the business via a payment means provided by a second payment service provider based on the payment information acquired by the payment information acquisition unit 7 and the retail fee calculated by the fee calculation unit 9.
For example, in FIG. 3, when a payment method other than cash, such as a credit card or electronic money, provided by the first payment service provider, "Bosa," is introduced through a payment agent assigned with a PSP code "NMV," a transaction is made at a store or EC site of a service provider assigned with a service provider ID "USN200100001," and a payment amount (A) of 1,000 yen is recorded, the settlement amount calculation unit 10 uses the payment amount (A) and the retail fee (D): 10 yen calculated by the fee calculation unit 9 to calculate the following:
The first settlement amount (G1) = settlement amount (A) - retail fee (D) = 990 yen is calculated.
The memory unit 15 records the above amount in the "First settlement amount" field of the fee information table shown in FIG. 4, and records zero in the "Second settlement amount" and "Date of difference settlement" fields.
In addition, for example, in FIG. 3, when a payment method other than cash, such as a credit card or electronic money, "NCB" provided by the second payment service provider is introduced through a payment agent assigned with a PSP code "YJL", a transaction is made at a store or EC site of a service provider assigned with a service provider ID "OPH200205644", and a payment amount (A) of 353,154 yen is recorded, the settlement amount calculation unit 10 uses the payment amount (A) and the retail fee (D): 3,496 yen calculated by the fee calculation unit 9 to calculate the following:
The second settlement amount (G2) = settlement amount (A) - retail fee (D) = 349,627 yen is calculated.
The memory unit 15 records the above amount in the "second settlement amount" field of the fee information table shown in FIG. 4, and records zero in the "first settlement amount" and "difference settlement date" fields.
The above-mentioned processes from S101 to S104 are carried out for each transaction.

[Payment process flow to businesses]
(S201)
The settlement amount calculation unit 10 performs a process of calculating the total settlement amount to be paid by the first settlement business operator to the business operator for each first settlement cycle, based on the first settlement amount and the second settlement amount.
In the processing flow of this embodiment, at a predetermined timing every day, the settlement amount calculation unit 10 refers to the fee information table and calculates the sum of the first settlement amount (G1) and the sum of the second settlement amount (G2) for each PSP code and business ID. Next, the settlement amount calculation unit 10 refers to the unsettled information table shown in Figure 5, obtains the company's unsettled amount (H1) and the other company's unsettled amount (H2) for each PSP code and business ID, adds the company's unsettled amount (H1) to the sum of the first settlement amount (G1) and adds the other company's unsettled amount (H2) to the sum of the second settlement amount (G2), and calculates the total settlement amount (G3).
The memory unit 15 records the above amount in the "total settlement amount" field of the settlement information table shown in FIG. 5, and records zero in the "payment date" field.

(S202)
If the calculated total settlement amount is a positive value, the memory unit 15 records the above amount in the ``Total Transfer Amount'' item of the settlement information table shown in Figure 5, and also records the breakdown of the total settlement amount in the settlement information table by the following patterns, as shown in Figure 8 (a).
If the first settlement amount and the second settlement amount are both positive values, the first settlement amount is recorded in the ``Company transfer amount'' field of the settlement information table, and the second settlement amount is recorded in the ``Other company transfer amount'' field, as shown in Figure 8 (a).
If the first settlement amount is a value less than zero and the second settlement amount is a positive value, as shown in Figure 8 (a), zero is recorded in the ``Company transfer amount'' field of the settlement information table, and the total settlement amount is recorded in the ``Other company transfer amount'' field.
If the first settlement amount is a positive value and the second settlement amount is a value less than zero, the total settlement amount is recorded in the ``Company transfer amount'' field of the settlement information table, as shown in Figure 8 (a), and zero is recorded in the ``Other company transfer amount'' field.

(S203)
When the total settlement amount calculated by the settlement amount calculation unit 10 is a positive value, the transfer instruction processing unit 12 performs processing to transmit a transfer instruction message to the remittance processing system, instructing the execution of a transfer of the amount related to the total settlement amount to the business operator's financial institution account. The memory unit 15 records the date of transmission of the transfer instruction message in the "Payment Date" field of the settlement information table. It also records zero in the "Date of Difference Settlement".

(S204)
The settlement status notification unit 14 performs processing to transmit information regarding the total settlement amount to be paid to the business operator to the business operator system 4 at the time when the settlement amount calculation unit 10 calculates the total settlement amount.

(S205)
If the calculated total settlement amount is a negative value (S202-N), the memory unit 15 records zero in the "Total Transfer Amount" item in the settlement information table shown in Figure 5, and records the breakdown of the total settlement amount as unsettled amounts in the unsettled information table according to the following patterns, as shown in Figure 8 (b).
If the first settlement amount and the second settlement amount are both negative values, the first settlement amount is recorded in the ``Our company's unsettled amount'' field of the unsettled information table, and the second settlement amount is recorded in the ``Other company's unsettled amount'' field.
If the first settlement amount is a negative value and the second settlement amount is zero or greater, the total settlement amount is recorded in the ``Unsettled amount for our company'' field of the unsettled information table, and zero is recorded in the ``Unsettled amount for other companies'' field.
If the first settlement amount is zero or greater and the second settlement amount is a negative value, zero is recorded in the "Unsettled amount for our company" field of the unsettled information table, and the total settlement amount is recorded in the "Unsettled amount for other companies" field.

[Periodic payment calculation process flow]
(S301)
The periodic payment amount calculation unit 11 performs a process of calculating the periodic payment amount to be paid from the first payment business operator to the payment agent or the periodic payment amount to be paid from the payment agent to the first payment business operator for each second settlement cycle and for each payment agent, based on the first settlement amount and the second settlement amount calculated by the settlement amount calculation unit 10 and the fee paid by the first payment business operator to the payment agent.
In the processing flow of this embodiment, at a predetermined timing each month, the periodic payment calculation unit 11 refers to the settlement information table and extracts settlement information 19 for each payment agent in which the date on which the transfer process was made to the business is recorded in the “payment date” and zero is recorded in the “difference settlement date,” and calculates the difference settlement amount for the following patterns, as shown in Figure 10.
In the extracted settlement information 19, if the first settlement amount is a negative value, the second settlement amount is a positive value, and the total settlement amount is a positive value, the periodic payment amount calculation unit 11 calculates the absolute value of the first settlement amount as the first difference settlement amount (I1) to be paid from the payment agent related to the settlement information 19 (e.g., payment agent a) to the first payment service provider.
In the extracted settlement information 19, if the first settlement amount is a negative value, the second settlement amount is a positive value, and the total settlement amount is a value less than zero, the periodic payment calculation unit 11 calculates the second settlement amount as the first difference settlement amount (I1) to be paid from the payment agent related to the settlement information 19 (e.g., payment agent b) to the first payment service provider.
In the extracted settlement information 19, if the first settlement amount is a positive value, the second settlement amount is a negative value, and the total settlement amount is a positive value, the periodic payment calculation unit 11 calculates the absolute value of the second settlement amount as the second difference settlement amount (I2) to be paid from the first payment service provider to the payment agent (e.g., payment agent c) related to the settlement information 19.
In the extracted settlement information 19, if the first settlement amount is a positive value, the second settlement amount is a negative value, and the total settlement amount is a value less than zero, the periodic payment calculation unit 11 calculates the first settlement amount as a second difference settlement amount (I2) to be paid from the first payment service provider to the payment agent related to the settlement information 19 (e.g., payment agent d).
Next, the periodic payment calculation unit 11 refers to the fee information table, extracts fee information 18 in which zero is recorded in the "difference settlement date", tallies the second settlement amount (G2), tallies the PSP fee receipt (F), and sorts it into PSP fee receipt (other company) (F1) and PSP fee receipt (our own company) (F2). The PSP fee receipt (other company) represents the PSP fee receipt related to the second settlement amount when the second settlement amount is other than zero, i.e., when the first settlement amount is zero, and the PSP fee receipt (our own company) represents the PSP fee receipt related to the first settlement amount when the first settlement amount is other than zero, i.e., when the first settlement amount is other than zero.
The periodic payment calculation unit 11 uses the first difference settlement amount (I1), the second difference settlement amount (I2), the aggregated second settlement amount (G2), and the PSP commission received (by the company) (F2) to calculate:
Periodic payment amount (J) = first difference settlement amount (I1) - second difference settlement amount (I2) + aggregated second settlement amount (G2) - aggregated PSP commission received (our company) (F2)
Calculate.
In the example of the difference settlement information 22 recorded in the difference settlement information table of FIG. 5, the periodic payment calculation unit 11
Periodic payment amount (J) = first difference settlement amount (I1) - second difference settlement amount (I2) + aggregated second settlement amount (G2) - aggregated PSP commission received (our company) (F2) = 182,480 yen is calculated.

(S302)
After the periodic payment calculation unit 11 calculates the first and second difference settlement amounts, the storage unit 14 records the date in the "difference settlement date" field of the settlement information table, and records numerical values in the "first difference settlement amount" and "second difference settlement amount" fields of the difference settlement information table.
In addition, after the periodic payment calculation unit 11 calculates the periodic payment amount, the memory unit 14 records the date in the ``Difference settlement date'' field of the fee information table, and records numerical values in the ``Second settlement amount,'' ``PSP receiving fee (other company),'' and ``PSP receiving fee (our own company)'' fields of the difference settlement information table.

(S303)
If the calculated regular payment amount is a positive value, the account transfer instruction processing unit 13 performs processing to send an account transfer instruction message to the remittance processing system instructing the execution of an account transfer of the amount related to the regular payment amount from the financial institution account of the payment agent to the financial institution account of the first payment business operator.
(S304)
If the calculated periodic payment amount is a negative value, the transfer instruction processing unit 12 performs a process of sending a transfer instruction message to the remittance processing system to instruct the execution of a transfer of the amount related to the periodic payment amount to the settlement agent, and a process of transferring the amount related to the total difference settlement amount to the financial institution account of the settlement agent.
If the calculated periodic payment amount is zero, the process ends (S305).
The settlement status notification unit 13 performs a process of transmitting information regarding the periodical payment amount to the PSP system 3 or the person in charge terminal of the first settlement business operator.

As described above, according to the financial institution system 1 of this embodiment, the first payment service provider can directly and quickly pay the business owner the sales proceeds made by a payment method other than cash, such as credit card payment or electronic money payment, provided by the first payment service provider, without going through a payment agent. This eliminates the need for the payment agent to build a system for quickly paying the business owner the sales proceeds made by a payment method other than cash, such as credit card payment or electronic money payment, thereby reducing the development costs of the system.

In addition, according to the financial institution system 1 of this embodiment, the first payment provider can pay sales proceeds from non-cash payment methods such as credit card payments and electronic money payments provided by a second payment provider different from the first payment provider to the business operator early on, either on behalf of the second payment agent or on behalf of the payment agent.

1 Financial institution system 2 Payment service provider system 3 Payment service provider (PSP) system 4 Service provider system 5 Payment center system 6 Communication network

Claims (8)

A financial institution system in which a financial institution, which is a first settlement business operator, pays sales revenue of a business operator recorded by a settlement means other than cash to the business operator,
a payment information acquisition unit that acquires payment information for each transaction from a system managed by a payment agent via a communication network, the payment information including information on the business operator, information on the payment method, and information on the payment amount by the payment method;
a settlement amount calculation unit that calculates, for each transaction, a first settlement amount to be paid to the business through the payment means provided by the first payment business operator and a second settlement amount to be paid to the business through the payment means provided by a second payment business operator different from the first payment business operator, based on the acquired payment information and a predetermined fee of the payment agent, and calculates a total settlement amount, which is the amount to be paid by the first payment business operator to the business, for each first settlement cycle;
a transfer instruction processing unit that instructs a remittance processing system to transfer the amount of the total settlement amount to the financial institution account of the business operator at a predetermined timing after the calculated date when the calculated total settlement amount is a positive value;
A financial institution system comprising: a periodic payment calculation unit that calculates a periodic payment amount to be paid from the payment agent to the first payment service provider for each second settlement cycle based on the first settlement amount, the second settlement amount, and a fee of the payment agent;
The financial institution system according to claim 1, further comprising an account transfer instruction processing unit that, if the calculated periodic payment amount is a positive value, instructs the remittance processing system to transfer the amount related to the periodic payment amount from the financial institution account of the payment agent to the financial institution account of the first payment business operator at a specified timing after the calculated date. a periodic payment calculation unit that calculates a periodic payment amount to be paid from the first settlement business operator to the settlement agent for each second settlement cycle based on the first settlement amount, the second settlement amount, and the fee of the settlement agent;
The financial institution system according to claim 1, characterized in that if the calculated periodic payment amount is a negative value, the transfer instruction processing unit instructs the remittance processing system to transfer the amount related to the periodic payment amount to the financial institution account of the payment agent at a specified time after the calculated date. a periodic payment calculation unit that calculates a periodic payment amount to be paid from the payment service provider to the first payment business operator or from the first payment business operator to the payment service provider for each second settlement cycle based on the first settlement amount, the second settlement amount, and a fee of the payment service provider;
and an account transfer instruction processing unit that instructs the remittance processing system to transfer the amount of the periodic payment amount from the financial institution account of the payment agent to the financial institution account of the first payment business operator at a predetermined timing after the calculated date when the calculated periodic payment amount is a positive value;
The financial institution system according to claim 1, characterized in that if the calculated periodic payment amount is a negative value, the transfer instruction processing unit instructs the remittance processing system to transfer the amount related to the periodic payment amount to the financial institution account of the payment agent at a specified time after the calculated date. The periodic payment calculation unit
When the first settlement amount is a negative value and the second settlement amount is a positive value, a first difference settlement amount to be paid from the payment agent to the first payment business operator; and
When the first settlement amount is a positive value and the second settlement amount is a negative value, a second difference settlement amount to be paid from the first payment service provider to the payment agent; and
A total of the second settlement amount; and
A total amount of fees to be paid to the payment agent when the first settlement amount is other than zero;
The financial institution system according to claim 2, characterized in that a periodic payment amount to be paid from the payment agent to the first payment business operator is calculated based on the first difference settlement amount, the second difference settlement amount, the aggregated amount of the second settlement amount, and the aggregated amount of the fee. The periodic payment calculation unit
When the first settlement amount is a negative value and the second settlement amount is a positive value, a first difference settlement amount to be paid from the payment agent to the first payment business operator; and
When the first settlement amount is a positive value and the second settlement amount is a negative value, a second difference settlement amount to be paid from the first payment business operator to the payment agent; and
A total of the second settlement amount; and
A total amount of fees to be paid to the payment agent when the first settlement amount is other than zero;
The financial institution system according to claim 3, characterized in that a periodic payment amount to be paid from the first payment service provider to the payment agent is calculated based on the first difference settlement amount, the second difference settlement amount, the aggregated amount of the second settlement amount, and the aggregated amount of the fee. The periodic payment calculation unit
When the first settlement amount is a negative value and the second settlement amount is a positive value, a first difference settlement amount to be paid from the payment agent to the first payment business operator; and
When the first settlement amount is a positive value and the second settlement amount is a negative value, a second difference settlement amount to be paid from the first payment business operator to the payment agent; and
A total of the second settlement amount; and
A total amount of fees to be paid to the payment agent when the first settlement amount is other than zero;
The financial institution system according to claim 4, characterized in that a periodic payment amount to be paid from the payment agent to the first payment business operator, or from the first payment business operator to the payment agent, is calculated based on the first difference settlement amount, the second difference settlement amount, the aggregated amount of the second settlement amount, and the aggregated amount of the fee. A computer program for causing a computer to function as a financial institution system according to any one of claims 1 to 7.

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