JP2024115641A - PROGRAM, INFORMATION PROCESSING APPARATUS AND INFORMATION PROCESSING METHOD - Google Patents

Abstract

To provide a program, information processing device, and information processing method that, in transaction settlement, reduce the possibility of a transaction being unable to be settled due to insufficient account balance.SOLUTION: In a settlement of a transaction between a first dealer and a second dealer, a program causes a computer to execute: a confirmation reception function of receiving a request to confirm the validity of settlement means linked to a first dealer's account; a confirmation function of confirming the validity of the settlement means; a securing instruction function of instructing a first institution device that manages the first dealer's account to transfer a secured amount from the first dealer's account to a managed account; a notification reception function of receiving a definitive notification about a settlement amount of the settlement from a first dealer device or a second dealer device; a calculation function of calculating a difference between the secured amount and the determined settlement amount based on the definitive notification; a settling function of executing settling processing for settling the difference; and a payment instruction function of instructing a management institution device to transfer the settlement amount from the managed account to a second dealer's account of the second dealer.SELECTED DRAWING: Figure 4

Description

The present invention relates to a program, an information processing device, and an information processing method.

Conventionally, there is technology relating to services such as debit card services that use a payment method linked to a transactor's account to directly debit the payment amount from the account when settling a transaction (for example, see Patent Document 1 below). Such services incorporate a mechanism whereby when a request for validity confirmation (so-called authorization) of a payment method such as a debit card is sent from a device at the transacting party's store, the payment amount is instantly debited from the transactor's account.

JP 2021-111177 A

However, depending on the transaction, it may take some time between the confirmation of the validity of the payment method linked to the transactor's account and the determination of the payment amount, and the details of the transaction may change during that time, making it inappropriate to immediately debit the payment amount from the transactor's account after this validation. However, if the debit is not made immediately in such a case, there is a problem that a balance shortage may occur due to a deduction made by another payment between the confirmation of validity and the determination of the payment amount, making it impossible to make payment using the payment method linked to that account.

Therefore, in order to solve the above problem, the present invention aims to provide a program, an information processing device, and an information processing method that can reduce the possibility of a payment being rejected due to insufficient account balance.

A program according to one aspect of the present invention causes a computer to realize the following functions in the settlement of a transaction between a first trader and a second trader: a confirmation reception function that receives a request from a first trader device of the first trader or a second trader device of the second trader to confirm the validity of a payment method linked to the first trader's first trader's account, in settlement of a transaction between a first trader and a second trader; a confirmation function that performs validity confirmation of the payment method based on the request; a securing instruction function that instructs a first institution device of the first institution that manages the first trader's account to transfer a secured amount from the first trader's account to a managed account based on the result of the validity confirmation; a notification reception function that receives a confirmation notice from the first trader device or the second trader device that notifies the fact that the settlement amount of the settlement has been confirmed; a calculation function that calculates the difference between the secured amount and the confirmed settlement amount based on the confirmation notice; a settlement function that executes settlement processing for settling the difference; and a payment instruction function that instructs a management institution device of the management institution that manages the managed account to transfer the settlement amount from the managed account to the second trader's account of the second trader.

The information processing device according to one aspect of the present invention includes a confirmation receiving unit that receives a request from the first trader device of the first trader or the second trader device of the second trader in the settlement of a trade between a first trader and a second trader to confirm the validity of a payment method linked to the first trader's first trader's account, a confirmation unit that performs validity confirmation of the payment method based on the request, a securing instruction unit that instructs the first institution device of the first institution that manages the first trader's account to transfer a secured amount from the first trader's account to a managed account based on the result of the validity confirmation, a notification receiving unit that receives a confirmation notification from the first trader device or the second trader device that notifies the fact that the settlement amount of the settlement has been confirmed, a calculation unit that calculates the difference between the secured amount and the confirmed settlement amount based on the confirmation notification, a settlement unit that executes a settlement process for settling the difference, and a payment instruction unit that instructs the management institution device of the management institution that manages the managed account to transfer the settlement amount from the managed account to the second trader's account of the second trader.

In one aspect of the information processing method of the present invention, in the settlement of a transaction between a first trader and a second trader, a computer receives a request from a first trader device of the first trader or a second trader device of the second trader to confirm the validity of a payment method linked to the first trader's first trader's account, confirms the validity of the payment method based on the request, instructs a first institution device of a first institution that manages the first trader's account to transfer a secured amount from the first trader's account to a managed account based on the result of the validity confirmation, receives a confirmation notice from the first trader device or the second trader device notifying that the settlement amount of the settlement has been confirmed, calculates the difference between the secured amount and the confirmed settlement amount based on the confirmation notice, executes a settlement process for settling the difference, and instructs a management institution device of a management institution that manages the managed account to transfer the settlement amount from the managed account to the second trader's account of the second trader.

In one aspect of the information processing method of the present invention, in the settlement of a transaction between a first trader and a second trader, a computer receives a request from a first trader device of the first trader or a second trader device of the second trader to confirm the validity of a settlement method linked to the first trader's first trader's account, confirms the validity of the settlement method based on the request, instructs a first institution device of a first institution that manages the first trader's account to transfer a secured amount from the first trader's account to a managed account based on the result of the validity confirmation, receives a confirmation notice from the first trader device or the second trader device notifying that the settlement amount of the settlement has been confirmed, calculates the difference between the secured amount and the confirmed settlement amount based on the confirmation notice, instructs a management institution device of a management institution that manages the managed account to transfer the settlement amount from the managed account to the second trader's account of the second trader, and executes a settlement process for settling the difference.

In one aspect of the information processing method of the present invention, a computer instructs a first institution device of a first institution that manages a first trader's account of a first trader to transfer a secured amount from the first trader's account to a managed account, and in the settlement of a transaction between the first trader and a second trader, receives a confirmation notification from the first trader device of the first trader or the second trader device of the second trader that the settlement amount for the settlement using a payment method linked to the first trader's account has been confirmed, and based on the confirmation notification, instructs a management institution device of a management institution that manages the managed account to transfer the settlement amount from the managed account to the second trader's account of the second trader, calculates the difference by subtracting the confirmed settlement amount from the secured amount, and executes a settlement process for settling the difference.

In one aspect of the present invention, an information processing method includes a computer instructing a first institution device of a first institution that manages a first trader's account of a first trader to transfer a secured amount from the first trader's account to a managed account, accepting a confirmation notice from the first trader device of the first trader or the second trader device of the second trader in settlement of a transaction between the first trader and a second trader that the settlement amount for settlement using a payment method linked to the first trader's account has been confirmed, calculating a difference by subtracting the confirmed settlement amount from the secured amount, executing a settlement process for settling the difference, and, based on the confirmation notice, instructing a management institution device of a management institution that manages the managed account to transfer the settlement amount from the managed account to the second trader's account of the second trader.

The present invention reduces the possibility of a transaction being unable to be settled due to insufficient account balance.

1 is a diagram for explaining an example of a system configuration of a payment support system according to a first embodiment; 1 is a diagram for explaining an example of an overview of a payment support system according to a first embodiment. FIG. FIG. 2 is a diagram illustrating an example of a functional configuration of a server device according to the first embodiment. FIG. 2 is a diagram illustrating an example of the operation of the payment support system according to the first embodiment. FIG. 2 is a diagram illustrating an example of the operation of the payment support system according to the first embodiment. FIG. 2 is a diagram illustrating an example of a hardware configuration of a server device according to the first embodiment. FIG. 11 is a diagram illustrating an example of the operation of the payment support system according to the second embodiment. FIG. 11 is a diagram illustrating an example of the operation of the payment support system according to the second embodiment.

A preferred embodiment of the present invention will be described with reference to the attached drawings. In each drawing, the same reference numerals are used to denote the same or similar configurations.

In this invention, "part," "means," "device," or "system" does not simply mean physical means, but also includes cases where the functions of the "part," "means," "device," or "system" are realized by software. Furthermore, the functions of one "part," "means," "device," or "system" may be realized by a combination of two or more physical means, devices, or software modules, and the functions of two or more "parts," "means," "devices," or "systems" may be realized by one physical means, device, or software module.

[First embodiment]
First, a first embodiment of the present invention will be described. In this embodiment, an example will be described in which a settlement is made using a payment means linked to the account of the first trader (hereinafter also referred to as the "first trader account") in a transaction between a first trader and a second trader. In addition, in this embodiment, an example will be described in which the payment means linked to the first trader account (hereinafter also referred to as the "payment means of the first trader account") is a payment using a debit card owned by the first trader (hereinafter also referred to as a "debit payment"). However, the payment means of the first trader account according to the present invention is not limited to this. For example, the payment means of the first trader account may be an instant account transfer (account withdrawal) or account transfer without using a debit card, a prepaid fund transfer means, etc. In addition, the funds used for the settlement of the transaction according to the present invention may be, for example, a cryptocurrency such as electronic money, in addition to a bank account balance.

The first and second transactors in this embodiment may be individuals or businesses. The payment support system 1 according to this embodiment can be used for payments such as C2B, B2B, and C2C, in addition to B2C (transactions between businesses and individuals) payments.

Debit payment is a payment method in which a financial institution (e.g., a bank) that provides a system for providing debit payments (hereinafter also referred to as a "debit card system"), or a specified business partnering with a financial institution, instantly debits an amount specified by a first transactor from an account managed by the financial institution, up to the account balance, and deposits the amount into the account of a second transactor (including an account at another financial institution).

The payment support system 1 according to this embodiment is a system that supports a transaction by securing funds for the settlement of the transaction. In this embodiment, an example is described in which the operator of the external system of the first institution is the operator of the payment support system 1. The external system is, for example, a system that performs communication control and message conversion for communication between the system of the first institution and an external system. In this embodiment, an example is described in which the first institution is a first bank, but the first institution according to the present invention is not limited to this. The first institution may be any institution that manages the account of a transactor, and may be, for example, a financial institution other than a bank, an electronic payment service provider that issues and manages electronic money, etc. In addition, in this embodiment, an example is described in which a function related to debit settlement provided by the first bank (hereinafter also referred to as a "debit settlement function") is used.

1. System configuration
An example of the system configuration of a payment support system 1 according to this embodiment will be described with reference to FIG.

As shown in FIG. 1, the payment support system 1 includes a server device 100 of the operator, a first trader device 200a of the first trader, and a second trader device 200b of the second trader. The server device 100, the first trader device 200a, and the second trader device 200b are connected to each other via a network N. The payment support system 1 also serves as an external system, and is connected to a bank system 400 via the network N. The first trader device 200a and the second trader device 200b are also collectively referred to as "trader devices 200" when there is no particular need to distinguish between them. The first trader and the second trader are also collectively referred to as "traders" when there is no particular need to distinguish between them.

[Server device]
The server device 100 is connected to a bank server 410 in a bank system 400 of a bank via a network N for communication control, use of a bank account, and the like.

The server device 100 is an information processing device capable of communicating with the trader device 200 or the bank server 410. The server device 100 executes a specific program (hereinafter also referred to as the "server program") to manage payment-related information (e.g., transaction information, payment method information, and/or account information, etc.) in cooperation with the trader device 200, etc., and controls the fund transfer process to prevent payment failure due to insufficient account balance when using debit payment.

The account information is information for managing each bank account. The account information includes, for example, a bank code for identifying the target bank, an account number for identifying an account held by the trader, operator and/or bank, an account balance such as the total amount deposited in the account, or transaction details indicating the content of transactions using the account. The account information may also include, for example, authentication information for the account. Details of the authentication information will be described later.

The transaction details include, for example, a deposit/withdrawal history indicating the history of deposits and withdrawals. The deposit/withdrawal history includes, for example, a deposit/withdrawal ID for identifying each deposit/withdrawal, a customer ID indicating the ID of the bank card used at the time of the deposit/withdrawal, or an ID indicating the counterparty of the deposit/withdrawal such as various card companies in the case of debit card or credit card deductions, a deposit/withdrawal date and time indicating the date and time of the deposit/withdrawal, a deposit amount indicating the amount deposited into the account, and/or a withdrawal amount indicating the amount withdrawn from the account.

[Transactional Device]
The trader device 200 is, for example, a terminal device such as a smartphone, tablet, or laptop used by a trader, and is an information processing device capable of accepting input such as product purchases from traders, outputting notifications such as procedure completion to traders, and communicating with the server device 100. The trader device 200 executes a predetermined program to cooperate with the server device 100 to send and receive trading information, display screens related to transactions, and accept instructions from traders.

Transaction information is information about a transaction. Transaction information includes, for example, transaction identification information for identifying each transaction, the contents of each transaction, the transaction date and time, the status of transaction processing (for example, accepting transaction contents, checking the validity of the payment method, accepting transaction confirmation input, transaction confirmation, etc.), payment instructions for settling each transaction (if the transaction is confirmed), etc. The contents of the transaction may include, for example, information about the product subject to the transaction (hereinafter also referred to as "product information") or information about the service (hereinafter also referred to as "service information"), the transaction amount, and/or information about the payment method used for the transaction (hereinafter also referred to as "payment method information"), etc.

Payment method information includes, for example, type information indicating the type of payment method (e.g., credit card payment, debit card payment, electronic money payment, etc.), payment method identification information for identifying the payment method (e.g., card number or account number, etc.), payment service provider identification information providing the payment method, user identification information of the user using the payment method, security information for the security of the payment method, etc. Payment method information may also include, for example, setting information indicating whether the payment method is suspended or not, history information of payments made by the payment method over a specified period of time, various settings related to the payment method (e.g., upper limit, etc.), etc.

When the trader device 200 is a store (including a store clerk), it is an information processing device used in the store, and may be, for example, a POS register terminal or a handheld terminal. The trader device 200 may have a reader function for reading, for example, product information on products sold in the store in which it is installed, or service information provided in the store. As another example, the trader device 200 may not have a reader function, and an external device such as a card reader connected to the trader device 200 may have the reader function. The trader device 200 may have a POS register function for accepting input of information on products or services (hereinafter also referred to as "products, etc.") and calculating the total amount of the accepted products, etc. (in other words, the settlement amount).

[Banking system and bank server]
The bank system 400 is a collective term for a first bank system 400a of a first bank and a second bank system 400b of a second bank, which will be described later. The bank system 400 may also function as a debit system, for example.

Bank server 410 is a collective term for the first bank server 410a of the first bank and the second bank server 410b of the second bank, which will be described later. Bank server 410 is a server of bank system 400 that manages account information for bank accounts and performs transfer and/or deposit processing, reference processing, etc. for the accounts. Bank server 410 cooperates with server device 100 to provide services related to the deposit processing, etc.

The bank server 410 may provide, for example, a bank API to an external device such as the server device 100. The bank API is an interface used by software components to communicate with each other in order to turn existing functions such as fund transfers and balance inquiries into individual services for use from external applications. The bank API includes update APIs and reference APIs. The update APIs are APIs for fund transfers such as bank account transfers and reference APIs are APIs for obtaining account information such as bank account balance inquiries.

[network]
The network N is composed of a wireless network or a wired network. Examples of the network include a mobile phone network, a PHS (Personal Handy-phone System) network, a wireless LAN (Local Area Network, including communication conforming to IEEE802.11 (so-called WI/Fi (registered trademark))), 3G (3rd Generation), LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation), WiMax (registered trademark), infrared communication, visible light communication, Bluetooth (registered trademark), a wired LAN, a telephone line, a power line communication network, and a network conforming to IEEE1394, etc.

＜2. Overview＞
An example of the outline of the payment facilitating system 1 will be described with reference to FIG. 2. In this example, an example will be described in which the first institution that manages the first trader's account and the management institution that manages the managed account are the same institution, specifically, the first institution and the management institution are the first bank. As another example, the first institution and the management institution may be different institutions. The managed account is an account that is temporarily managed to secure the secured amount described below. The managed account may be, for example, an account held by the operator or a special deposit account at the first bank. Also, in this example, an example will be described in which the second institution that manages the second trader's account and the management institution that manages the managed account are different institutions, specifically, the second institution is a second bank different from the first bank.

In this example, it is assumed that a debit card for the first trader's account has already been issued in the first bank system 400a. Also, in this example, it is assumed that the second trader is registered as an affiliated store of the debit card service of the first bank system 400a.

(1) As shown in FIG. 2, first, a first trader who is a customer of a store or the like makes an application to purchase a product to a second trader. (2) Next, the first trader applies to the second trader to use debit payment as the payment method to be used for this purchase transaction. This application may be, for example, the second trader's device 200b reading the first trader's debit card to be used for the debit payment. At this time, the second trader's device 200b accepts input of transaction information including payment method information for the debit payment of this purchase transaction from the first or second trader.

(3) The second trader device 200b performs a so-called authorization process, which is a request for confirmation of validity, to the first bank system 400a, which is the provider of the debit payment, in order to confirm the validity of the debit payment, which is the payment method indicated in the payment method information received in (1) and (2) above. This request for confirmation of validity is sent to the server device 100, which is the server of the external system of the first bank system 400a. In addition, the second trader device 200b sends the transaction information to the server device 100 together with this request for confirmation of validity.

(4) When the server device 100 receives the request for confirmation of validity sent in (3) above, it confirms the validity of the debit payment. The method of confirming the validity of the debit payment may be, for example, a method in which the server device 100 confirms the validity by comparing it with the payment method information of the matching source stored in its own device. As another example, the method of confirming the validity of the debit payment may be, for example, a method in which the first bank system 400a is inquired about the validity of the debit payment, and confirmation is performed by receiving confirmation result information indicating the result of the validity confirmation.

(5) If the server device 100 is able to confirm the validity of the debit payment in (4) above, it instructs the first bank server 410a of the first bank to transfer the secured funds from the first trader's account to the management account. In this example, the secured amount is set to 30,000 yen.

The reserved amount is the amount of funds to secure the settlement amount before the settlement amount is finalized. The reserved amount may be, for example, (a) an amount set by the trader, (b) an amount set common to multiple traders, or (c) an amount set according to the type of transaction and/or the attributes of the trader.

The type of transaction may be, for example, a buying and selling transaction involving the provision of a service or product (including a purchasing transaction for a product), a loan, factoring, a remittance transaction, a transfer of value such as electronic money, etc. Furthermore, the attributes of the transactor may be, for example, the name, occupation and/or annual income, payment history, etc. if the transactor is an individual, or the name of the business, business content, business form, number of employees, industry, business scale, management situation, capital situation, and/or payment history, etc. if the transactor is a business.

(6) When the first bank server 410a receives the transfer instruction in (5) above, it transfers the secured amount by transferring funds between the first trader's account and the management account. At this time, the first bank server 410a deducts the secured amount of 30,000 yen from the balance of the first trader's account and increases the balance of the management account by 30,000 yen.

(7) The payment amount (sales amount) of the product purchase transaction between the first and second traders is confirmed. In this example, the payment amount is 5,000 yen. (8) When the second trader device 200b receives an input of the confirmation of the payment amount from the first or second trader, it sends a confirmation notification to the server device 100 to notify that the payment amount has been confirmed.

(9) When the server device 100 receives the confirmation notification in (7) above, it calculates the difference between the secured amount and the confirmed payment amount based on the confirmation notification.

(10) If the validity is confirmed in (4) above, the server device 100 executes a process for settling the difference calculated in (9) above (hereinafter also referred to as "settlement process"). The server device 100 instructs the first bank server 410a to transfer the difference between the management account and the first trader account. Specifically, since the amount obtained by subtracting the settlement amount from the secured amount is 25,000 yen, the server device 100 instructs the first bank server 410a to transfer the difference from the management account to the first trader account in order to return this 25,000 yen to the first trader account. Here, if the difference is negative, the server device 100 may instruct the first bank server 410a to transfer the difference from the first trader account to the management account.

(11) When the first bank server 410a receives the transfer instruction (return instruction) of (10) above, it performs an account transfer between the management account and the first trader account to transfer the difference in funds. At this time, the first bank server 410a may also deduct the difference from the balance of the first trader account and increase the balance of the management account by the difference. Specifically, the first bank server 410a may deduct 25,000 yen from the balance of the management account and increase the balance of the first trader account by 25,000 yen.

(12) To make a payment to the second trader in a product purchase transaction, the server device 100 instructs the first bank server 410a to transfer the settlement amount from the management account to the second trader's account.

(13) When the first bank server 410a receives the transfer instruction (payment instruction) described above in (12), it transfers the settlement amount by transferring funds between the management account and the second trader's account. At this time, the first bank server 410a deducts 5,000 yen from the balance of the management account and increases the balance of the second trader's account by 5,000 yen.

In this overview, the server device 100 instructs the first bank server 410a to transfer the difference between the management account and the first trader account, and then instructs it to transfer the settlement amount from the management account to the second trader account. The server device 100 may instruct the first bank server 410a to transfer the settlement amount between the management account and the second trader account, and then instructs it to transfer the difference from the management account to the first trader account. The server device 100 may instruct the first bank server 410a to both transfer the settlement amount between the management account and the second trader account, and to transfer the difference from the management account to the first trader account.

With the above configuration, the payment facilitating system 1 can prevent the balance from being used for other transactions by transferring the secured amount to the management account when confirming the validity of the payment method of the first trader's account. Therefore, even when it takes time for the settlement of a transaction between confirming the validity of the payment method linked to the first trader's account and determining the settlement amount, the payment facilitating system 1 can reduce the possibility of settlement being impossible due to insufficient balance in the first trader's account.

With the above configuration, the payment support system 1 can be realized by utilizing the existing mechanisms of the first bank system 400a (debit system) and external system. Therefore, for transactions that are not suitable for instant transfer, etc., it is possible to reduce the possibility of a payment being rejected due to insufficient account balance by utilizing the existing mechanisms, without building a special function, such as setting a credit limit on the account balance to prevent it from being used for other transactions.

3. Functional configuration of server device
The functional configuration of the server device 100 according to the present embodiment will be described with reference to Fig. 3. As shown in Fig. 3, the server device 100 includes a control unit 110, a communication unit 120, and a storage unit 130.

The control unit 110 includes a reception unit 111, an instruction unit 112, a confirmation unit 113, a calculation unit 114, and a settlement unit 115.

The reception unit 111 receives various information from the first institution device, the second institution device, and/or the management institution, etc., via the communication unit 120. The reception unit 111 includes a confirmation reception unit 111a. The confirmation reception unit 111a receives a request from the first trader device 200a or the second trader device 200b to confirm the validity of the payment method linked to the first trader's first trader account in the settlement of a transaction between the first trader and the second trader.

The reception unit 111 includes a notification reception unit 111b. The notification reception unit 111b receives a confirmation notification from the first trader device 200a or the second trader device 200b notifying that the settlement amount for the transaction using the payment method of the first trader's account has been confirmed.

The instruction unit 112 transmits various instructions to the trader device 200, the first institution device, the second institution device, and/or the management institution, etc., via the communication unit 120. The instruction unit 112 includes a securing instruction unit 112a. Based on a request for confirmation of validity received by the confirmation receiving unit 111a, the securing instruction unit 112a instructs the first institution device of the first institution that manages the first trader account to move the secured amount from the first trader account to the management account. For example, when the first institution device is the bank server 410, the securing instruction unit 112a may call an update system API provided by the bank server 410 to instruct the transfer of the secured amount.

The instruction unit 112 includes a payment instruction unit 112b. The payment instruction unit 112b instructs the management institution device to transfer the settlement amount from the management account to the second trader's second trader account.

The confirmation unit 113 performs a validity check of the payment method linked to the first trader's account based on the request for validity confirmation received by the confirmation reception unit 111a. The confirmation unit 113 may check whether the payment method is within the validity period or has not been suspended by comparing it with the payment method information stored in the memory unit 130. As another example, the confirmation unit 113 may, for example, inquire about the validity of the payment method from the first bank system 400a and receive and confirm confirmation result information indicating the result of the validity check.

The calculation unit 114 calculates the difference between the secured amount and the confirmed payment amount based on the confirmation notification received by the notification receiving unit 111b. This difference may be in any form as long as it is an amount that indicates the difference between the secured amount and the confirmed payment amount.

The settlement unit 115 executes a settlement process for settling the difference between the secured amount calculated by the calculation unit 114 and the settlement amount based on the result of the validity confirmation by the confirmation unit 113.

The settlement unit 115 may include, for example, a difference transfer unit 115a. As a settlement process, based on the difference between the secured amount and the confirmed settlement amount, if the amount obtained by subtracting the settlement amount from the secured amount is a positive number, the difference transfer unit 115a may instruct the management institution device to transfer the amount from the management account to the first trader account. On the other hand, as a settlement process, based on the difference between the secured amount and the settlement amount, if the amount obtained by subtracting the confirmed settlement amount from the secured amount is a negative number, the difference transfer unit 115a instructs the first institution device managing the first trader account to transfer the amount from the first trader account to the management account.

The communication unit 120 transmits and receives various information to the trader device 200 and/or the bank system 400, etc., via the network N. For example, the communication unit 120 receives transaction information transmitted from the trader device 200 via the network N, and transmits instructions for various fund transfers using the first trader account to the bank system 400.

The storage unit 130 may store transaction information and account information. The storage unit 130 may store each piece of information using a database management system (DBMS), or may store each piece of information using a file system. When using a DBMS, a table may be provided for each piece of information, and each piece of information may be managed by associating the tables with each other.

<4. Operation example>
An example of the operation of the payment facilitating system 1 according to this embodiment will be described with reference to Figures 4 and 5. Figure 4 is a sequence diagram showing the process flow and interactions between each device in the payment facilitating system 1 from when input of transaction information is accepted from a trader to when the validity of the payment method of the first trader's account is confirmed. Note that the order and units of the processes shown below are merely examples and may be changed as appropriate.

As shown in FIG. 4, the trader device 200 accepts input of trading information from a trader (S10). The trader device 200 transmits the accepted trading information and a request to confirm the validity of the payment method of the first trader's account indicated by the trading information to the server device 100 (S11).

The reception unit 111 (including the confirmation reception unit 111a) of the server device 100 receives the transmitted transaction information and the confirmation request (S12). The confirmation unit 113 of the server device 100 performs a validation check of the first trader's account based on the confirmation request (S13).

If the validity of the settlement method of the first trader's account is confirmed (OK), the trader's device 200, the server device 100, the first institution device, and the management institution device execute the process within the area indicated by the composite fragment alt1 (alternative1) above the dashed line. Specifically, the securing instruction unit 112a of the server device 100 transmits an instruction to the first institution device to transfer the secured amount from the first trader's account to the management account (S14). The first institution device accepts the transfer instruction transmitted from the server device 100 (S15). Based on the accepted transfer instruction, the first institution device executes a process related to the transfer of the secured amount from the first trader's account to the management account (hereinafter also referred to as the "transfer process") (S16). In response to the transfer instruction, the first institution device transmits funds transfer information indicating the result of the transfer process of the secured amount to the server device 100 (S17).

The confirmation unit 113 of the server device 100 transmits confirmation information indicating the result of the validity confirmation (OK) and the received funds transfer information to the trader device 200 (S18). The trader device 200 receives the confirmation information and transfer information transmitted from the server device 100 and outputs them on the screen (S19). The trader device 200 receives an input from the trader that the settlement amount of the transaction has been confirmed (S20). The trader device 200 transmits a confirmation notice to the server device 100 notifying that the settlement amount has been confirmed (S21). The notice receiving unit 111b of the server device 100 receives the confirmation notice transmitted from the trader device 200 (S22). The calculation unit 114 of the server device 100 calculates the difference between the secured amount and this confirmed settlement amount based on the confirmation notice (S23). The flow of the subsequent processes and interactions are shown in FIG. 5.

If the validity of the payment method of the first trader's account cannot be confirmed (NG), the trader device 200, server device 100, first institution device, and management institution device execute the processing below the dashed line in the area indicated by the composite fragment alt1. Specifically, the confirmation unit 113 of the server device 100 transmits confirmation information indicating the result of the validity confirmation (NG) to the trader device 200 (S25). The trader device 200 receives the confirmation information transmitted from the server device 100, and outputs it as an error on the screen (S26).

Figure 5 is a sequence diagram showing the flow of processing and interactions between devices in the payment support system 1 after the process of calculating the difference between the finalized amount and the payment amount in Figure 4. Note that the order and units of processing shown below are examples and may be changed as appropriate.

As shown in FIG. 5, the trader device 200, the server device 100, the first institution device, and the management institution device execute the process above the dashed line in the area indicated by the composite fragment alt2 (alternative2) if the amount obtained by subtracting the confirmed settlement amount from the secured amount based on the calculated difference (hereinafter simply referred to as the "difference") is a positive number. In addition, the process in the area above the dashed line in the area indicated by the composite fragment para (Parallel) and the process in the area below the dashed line are executed in parallel. Specifically, the payment instruction unit 112b of the server device 100 sends an instruction to the management institution to transfer the settlement amount from the management account to the second trader account (S30). The management institution device accepts the transfer instruction sent from the server device 100 (S31). Based on the accepted transfer instruction, the management institution device executes the process of transferring the settlement amount from the management account to the second trader account (S32). In response to the transfer instruction, the management institution device transmits funds transfer information indicating the result of the transfer process of the payment amount to the server device 100 (S33).

In parallel with step S30, the difference transfer unit 115a of the server device 100 transmits an instruction to transfer the difference from the management account to the first trader's account to the management institution device as a settlement process for the difference between the secured amount and the settlement amount (S34). The management institution device accepts the transfer instruction transmitted from the server device 100 (S35). Based on the accepted transfer instruction, the management institution device executes the transfer process of the difference from the management account to the first trader's account (S36). In response to the transfer instruction, the management institution device transmits funds transfer information indicating the result of the transfer process of the difference to the server device 100 (S37). Note that the process in the area above the dashed line and the process in the area below the dashed line in the area indicated by the composite fragment para(Parallel) are not limited to parallel processing, and either one may be processed first. In other words, either transfer instruction may be transmitted first in steps S30 and S34.

The payment instruction unit 112b and the difference transfer unit 115a of the server device 100 receive the funds transfer information sent to them, and transmit it to the trader device 200 (S38). The trader device 200 receives the transfer information sent from the server device 100, and outputs it on the screen (S39).

As shown in FIG. 5, the trader device 200, the server device 100, the first institution device, and the management institution device execute the process below the dashed line in the area indicated by the composite fragment alt2 based on the calculated difference, if the difference is a negative value. Specifically, the difference transfer unit 115a of the server device 100 transmits an instruction to transfer the difference from the first trader account to the management account to the first institution device (S40) in order to charge the first trader an additional difference. The first institution device accepts the transfer instruction transmitted from the server device 100 (S41). Based on the accepted transfer instruction, the first institution device executes the process of transferring the difference from the first trader account to the management account (S42). In response to the transfer instruction, the first institution device transmits funds transfer information indicating the result of the process of transferring the difference to the server device 100 (S43). As another example, the processes described in steps 44 to 47 above may be executed prior to the processes described in steps 40 to 43 above, or may be executed in parallel.

The payment instruction unit 112b of the server device 100 sends an instruction to the management device institution to transfer the settlement amount from the management account to the second trader's account (S44). The management institution device accepts the transfer instruction sent from the server device 100 (S45). Based on the accepted transfer instruction, the management institution device executes the transfer process of the settlement amount from the management account to the second trader's account (S46). In response to the transfer instruction, the management institution device sends funds transfer information indicating the result of the transfer process of the settlement amount to the server device 100 (S47).

The payment instruction unit 112b and the difference transfer unit 115a of the server device 100 receive the funds transfer information sent respectively above and transmit it to the trader device 200 (S48). The trader device 200 receives the transfer information sent from the server device 100 and outputs it on the screen (S49).

5. Hardware Configuration
6, an example of a hardware configuration in which the above-mentioned server device 100 is realized by a computer 800 will be described. Note that the functions of each device can also be realized by dividing them into a plurality of devices.

As shown in FIG. 6, the computer 800 includes a processor 801, a memory 803, a storage device 805, an input I/F unit 807, a data I/F unit 809, a communication I/F unit 811, and a display device 813.

The processor 801 controls various processes in the computer 800 by executing programs stored in the memory 803. For example, each functional unit of the control unit 110 of the server device 100 can be realized by the processor 801 executing a program temporarily stored in the memory 803.

The memory 803 is a storage medium such as a RAM (Random Access Memory). The memory 803 temporarily stores the program code of the program executed by the processor 801 and data required when the program is executed.

The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or flash memory. The storage device 805 stores an operating system and various programs for implementing the above-mentioned configurations. In addition, the storage device 805 can also store tables for registering transaction information and/or account information, and a DB for managing the tables. Such programs and data are loaded into the memory 803 as necessary and are referenced by the processor 801.

The input I/F unit 807 is a device for receiving input from a user. Specific examples of the input I/F unit 807 include a keyboard, a mouse, a touch panel, various sensors, and a wearable device. The input I/F unit 807 may be connected to the computer 800 via an interface such as a USB (Universal Serial Bus).

The data I/F unit 809 is a device for inputting data from outside the computer 800. A specific example of the data I/F unit 809 is a drive device for reading data stored in various storage media. The data I/F unit 809 may be provided outside the computer 800. In that case, the data I/F unit 809 is connected to the computer 800 via an interface such as a USB.

The communication I/F unit 811 is a device for performing data communication via the Internet N, either wired or wirelessly, with devices external to the computer 800. The communication I/F unit 811 may be provided external to the computer 800. In that case, the communication I/F unit 811 is connected to the computer 800 via an interface such as a USB.

The display device 813 is a device for displaying various types of information. Specific examples of the display device 813 include a liquid crystal display, an organic EL (Electro-Luminescence) display, a display of a wearable device, and the like. The display device 813 may be provided outside the computer 800. In that case, the display device 813 is connected to the computer 800 via, for example, a display cable. Furthermore, when a touch panel is used as the input I/F unit 807, the display device 813 can be configured as an integral part of the input I/F unit 807.

[Second embodiment]
Next, a second embodiment of the present invention will be described. In the first embodiment, the secured amount is transferred to the managed account when the validity of the settlement method of the first trader's account is confirmed, but in this embodiment, the secured amount is transferred to the managed account at a timing that is not dependent on the timing of the validity confirmation, and therefore on the timing of the transaction. The following description will focus on the differences from the first embodiment.

<1. Functional configuration of the server device>
An example of the functional configuration of the server device 100 according to this embodiment will be described. The server device 100 according to this embodiment includes the communication unit 120 and the storage unit 130 of the server device 100 according to the first embodiment, and the control unit 110 includes the reception unit 111, the instruction unit 112, the confirmation unit 113, the calculation unit 114, and the settlement unit 115.

The reception unit 111 may include, for example, an instruction reception unit (not shown). The instruction reception unit receives a reservation instruction sent from the first trader device 200a to reserve funds for settlement of the transaction.

The securing instruction unit 112a may, for example, instruct the first institution's first institution device to transfer the secured amount from the first trader's account to the management account.

The payment instruction unit 112b may, for example, instruct the management institution's management institution device to transfer the settlement amount from the management account to the second trader's account based on the confirmation notification received by the notification receiving unit 111b.

According to the above configuration, it is possible to secure funds for settlement of a transaction by transferring the secured amount to a management account in advance without relying on transaction-related processing, including authorization processing. This makes it possible to provide a system with a high degree of flexibility.

<2. Operation example>
An example of the operation of the payment facilitating system 1 according to this embodiment will be described with reference to Figures 7 and 8. Figure 7 is a sequence diagram showing the process flow and interactions of each device in the payment facilitating system 1 from when an input of a fund securing instruction for the payment amount from the first transactor is received to when the secured amount is moved to a managed account. Note that in this example, an event-driven example is described in which the transfer of the secured amount is triggered by an instruction from the first transactor, but is not limited to this. For example, the transfer of the secured amount may be triggered by a timing scheduled in advance.

As shown in FIG. 7, the first trader device 200a accepts an input from the first trader of an instruction to secure funds for settlement of a transaction (specifically, an instruction to transfer the secured amount to the management account) (S50). The first trader device 200a transmits the accepted securing instruction to the server device 100 (S51). The instruction receiving unit of the server device 100 accepts the securing instruction transmitted from the first trader device 200a (S52). The securing instruction unit 112a of the server device 100 instructs the first institution device of the first institution to transfer the secured amount from the first trader account to the management account, for example, based on the securing instruction (S53). The first institution device accepts the transfer instruction transmitted from the server device 100 (S54). The first institution device executes a transfer process of the secured amount from the first trader account to the management account based on the accepted transfer instruction (S55). In response to the transfer instruction, the first institution device transmits funds transfer information indicating the result of the transfer process of the secured amount to the server device 100 (S56). The securing instruction unit 112a of the server device 100 transmits securing information indicating the result that funds for settlement have been secured to the first trader device 200a in response to the securing instruction based on the funds transfer information (S57). The first trader device 200a receives the securing information transmitted from the server device 100 and outputs it on the screen (S58).

Figure 8 is a sequence diagram showing the process flow and interactions between each device in payment support system 1 from when transaction information is received from a trader to when payment is made to the second trader's account of the second trader.

As shown in FIG. 8, the trader device 200 accepts input of transaction information from the trader (S60). The trader device 200 accepts input of the confirmation of the settlement amount of the transaction from the trader (S61). The trader device 200 transmits the accepted transaction information and a confirmation notice notifying the server device 100 of the confirmation of the settlement amount (S62).

The reception unit 111 (including the notification reception unit 111b) of the server device 100 receives the transmitted transaction information and the confirmation notification (S63). The payment instruction unit 112b of the server device 100 transmits an instruction to the management device institution to transfer the settlement amount from the management account to the second trader's account (S64). The management institution device receives the transfer instruction transmitted from the server device 100 (S65). Based on the received transfer instruction, the management institution device executes the transfer process of the settlement amount from the management account to the second trader's account (S66). In response to the transfer instruction, the management institution device transmits funds transfer information indicating the result of the transfer process of the settlement amount to the server device 100 (S67). The calculation unit 114 of the server device 100 calculates the difference between the secured amount and the settlement amount based on the funds transfer information (S68).

Based on the calculated difference, if the difference is a positive number, the trader device 200, server device 100, first institution device, and management institution device execute the process within the area above the dashed line in the area indicated by the composite fragment alt3 (alternative3). Specifically, the difference transfer unit 115a of the server device 100 transmits an instruction to transfer the difference from the management account to the first trader account to settle the difference between the secured amount and the settlement amount to the management institution device (S69). The management institution device accepts the transfer instruction transmitted from the server device 100 (S70). Based on the accepted transfer instruction, the management institution device executes the transfer process of the difference from the management account to the first trader account (S71). In response to the transfer instruction, the management institution device transmits funds transfer information indicating the result of the difference transfer process to the server device 100 (S72).

Based on the calculated difference, if the difference is a negative value, the trader device 200, server device 100, first institution device, and management institution device execute the process within the area above the dashed line in the area indicated by the composite fragment alt3. Specifically, the difference transfer unit 115a of the server device 100 sends an instruction to the first institution device to transfer the difference from the first trader account to the management account in order to charge the first trader an additional amount for the difference (S73). The first institution device accepts the transfer instruction sent from the server device 100 (S74). Based on the accepted transfer instruction, the first institution device executes a process to transfer the difference from the first trader account to the management account (S75). In response to the transfer instruction, the first institution device transmits funds transfer information indicating the result of the process to transfer the difference to the server device 100 (S76).

The payment instruction unit 112b and the difference transfer unit 115a of the server device 100 receive the funds transfer information sent to them, and transmit it to the trader device 200 (S77). The trader device 200 receives the transfer information sent from the server device 100, and outputs it on the screen (S78).

The server device 100 may execute the processes described in S68 and steps S69 to S76 in the area indicated by the combined fragment alt3 before executing the processes described in steps S64 to S67. In this case, the calculation unit 114 of the server device 100 calculates the difference between the secured amount and the settlement amount based on the transaction information (S68). Furthermore, upon receiving the result of the difference transfer process (S72 or S76), the payment instruction unit 112b of the server device 100 transmits an instruction to the management device agency to transfer the settlement amount from the management account to the second trader's account (S64).

[Third embodiment]
Next, a third embodiment of the present invention will be described. In the first embodiment, the difference between the secured amount and the confirmed settlement amount is settled, but in this embodiment, the secured amount is temporarily returned in full to the first trader's account. The following will focus on the differences from the first embodiment.

<Functional configuration of server device>
An example of the functional configuration of the server device 100 according to this embodiment will be described. The server device 100 according to this embodiment includes the communication unit 120 and the storage unit 130 of the server device 100 according to the first embodiment, and the control unit 110 includes the reception unit 111, the instruction unit 112, the confirmation unit 113, the calculation unit 114, and the settlement unit 115.

The instruction unit 112 may include, for example, a refund instruction unit (not shown). The refund instruction unit instructs the management institution's management institution device to transfer the secured amount from the management account to the first trader's account based on the confirmation notification received by the notification receiving unit 111b.

The notification receiving unit 111b may, for example, receive a notification from the management institution device indicating that the secured amount has been moved from the management account to the first trader's account (hereinafter also referred to as a "refund notification") in response to an instruction to move the secured amount by the instruction unit 112.

The payment instruction unit 112b may, for example, in response to a refund notification received by the notification receiving unit 111b, instruct the first institution device to transfer the settlement amount from the first trader's account to the second trader's second trader's account.

If the difference calculated by the calculation unit 114 is a negative number, the refund instruction unit may cancel the instruction to transfer the reserved amount.

The communication unit 120 may include a transmission unit (not shown). If the difference is a negative number, the transmission unit transmits an error notification to the first trader device 200a or the second trader device 200b indicating that the settlement amount of the transaction exceeds the reserved amount.

The control unit 110 may include, for example, an acquisition unit (not shown). The acquisition unit acquires account information of the first trader (hereinafter also referred to as "first trader account information"), including the available balance of the first trader's account, based on the confirmation notification. In this case, the refund instruction unit may instruct the transfer of the secured amount based on the first trader account information when the sum of the difference and the available balance is a positive number, even if the difference is a negative number. In addition, the transmission unit may not need to send an error notification indicating that the settlement amount of the transaction exceeds the secured amount based on the first trader account information when the sum of the difference and the available balance is a positive number, even if the difference is a negative number.

The above-described embodiment is an example for explaining the present invention, and is not intended to limit the present invention to only this embodiment. Furthermore, the present invention can be modified in various ways without departing from the gist of the invention. Furthermore, a person skilled in the art can adopt an embodiment in which each element described below is replaced with an equivalent element, and such an embodiment is also included in the scope of the present invention.

[Modification]
Although the present invention has been described based on the above embodiment, the following cases are also included in the present invention.

[First Modification]
At least a part of each component of the server device 100 according to the above embodiment may be provided in the trader device 200. For example, all of the functions of the server device 100 may be implemented in the trader device 200 as a dedicated application of the payment assistance system 1, and the present invention may be realized by communication between the trader device 200 and the bank server 410.

[Second Modification]
Although not shown in the above embodiment, the transactions targeted by the payment support system according to the present invention are not limited to purchase transactions at a store. The payment support system according to the present invention can also be applied to the following transactions (A) to (D), for example.
(A) Transactions related to services such as hotels or cruise ships that take time from the time of validity confirmation to the time of finalization of the payment amount (for example, services in which authorization is processed at check-in and sales are finalized at check-out)
(a) Transactions for which an authorization environment cannot be established (in-flight sales, offline payments at the register, etc.)
(c) Transactions using a gas station POS (for example, authorization processing and sales confirmation processing are performed at different times),
(D) Transactions using online wallets (for example, time-delay processing in face-to-face EC, metaverse games, etc.)

[Third Modification]
The various methods of transferring funds between accounts described in the above embodiment (for example, transfers between bank accounts) can be replaced with different methods of transferring funds.

1...Payment support system, 100...Server device, 110...Control unit, 111...Reception unit, 112...Instruction unit, 113...Confirmation unit, 114...Calculation unit, 115...Settlement unit, 120...Communication unit, 130...Storage unit, 200...Trader device, 200a...First trader device, 200b...Second trader device, 400...Bank system, 410...Bank server, 800...Computer, 801...Processor, 803...Memory, 805...Storage device, 807...Input I/F unit, 809...Data I/F unit, 811...Communication I/F unit, 813...Display device.

Claims (13)

On the computer,
a confirmation reception function for receiving a request for confirmation of the validity of a payment method linked to the first trader's first trader account from a first trader device of the first trader or a second trader device of the second trader in the settlement of a transaction between a first trader and a second trader;
a verification function for verifying the validity of the payment method based on the request;
a securing instruction function for instructing a first institution device of a first institution that manages the first trader's account to transfer a secured amount from the first trader's account to a management account based on the result of the validity confirmation;
A notification receiving function that receives a confirmation notification from the first transactor device or the second transactor device that notifies the user that the settlement amount of the settlement has been confirmed;
A calculation function for calculating the difference between the secured amount and the confirmed settlement amount based on the confirmation notice;
A settlement function for executing a settlement process for settling the difference;
a payment instruction function for instructing a management institution device of a management institution that manages the management account to transfer the settlement amount from the management account to a second trader account of the second trader;
program. On the computer,
a securing instruction function for instructing a first institution device of a first institution that manages a first trader's account of a first trader to transfer a secured amount from the first trader's account to a management account;
a notification receiving function for receiving a confirmation notification from a first trader device of the first trader or a second trader device of the second trader in settlement of a transaction between the first trader and the second trader, notifying that the settlement amount of the settlement using the payment means linked to the first trader's account has been confirmed;
a payment instruction function for instructing a management institution device of a management institution that manages the managed account to transfer the settlement amount from the managed account to a second trader account of the second trader based on the confirmation notice;
A calculation function for calculating a difference between the secured amount and the confirmed settlement amount;
A settlement function for executing a settlement process for settling the difference.
program. The settlement function includes a difference transfer function,
The difference transfer function is
As the settlement process, if the amount obtained by subtracting the confirmed settlement amount from the secured amount based on the difference is a positive number, the system instructs the management institution device to transfer the amount from the management account to the first trader account, and on the other hand, if the amount is a negative number, the system instructs the first institution device managing the first trader account to transfer the amount from the first trader account to the management account.
3. The program according to claim 1 or 2. On the computer,
a confirmation reception function for receiving a request for confirmation of the validity of a payment method linked to the first trader's first trader account from a first trader device of the first trader or a second trader device of the second trader in the settlement of a transaction between a first trader and a second trader;
a verification function for verifying the validity of the payment method based on the request;
a securing instruction function for instructing a first institution device of a first institution that manages the first trader's account to transfer a secured amount from the first trader's account to a management account based on the result of the validity confirmation;
A notification receiving function that receives a confirmation notification from the first transactor device or the second transactor device that notifies the user that the settlement amount of the settlement has been confirmed;
a refund instruction function for instructing a management institution device of a management institution that manages the management account to transfer the secured amount from the management account to the first trader's account based on the confirmation notice;
program. The computer includes:
A calculation function for calculating an amount obtained by subtracting the confirmed settlement amount from the secured amount;
The refund instruction function cancels the instruction to transfer the reserved amount if the subtracted amount is a negative value;
The computer is made to realize a transmission function of transmitting an error notification to the first transactor device or the second transactor device, when the subtracted amount is a negative number, indicating that the settlement amount exceeds the reserved amount.
The program according to claim 4. The computer further implements an acquisition function for acquiring first trader account information including an available balance of the first trader account based on the determination notice;
The refund instruction function instructs the transfer of the secured amount even if the subtracted amount is a negative number, when the sum of the subtracted amount and the balance is a positive number,
the sending function does not send the error notification when the sum of the subtracted amount and the remaining balance is a positive number, even if the subtracted amount is a negative number;
The program according to claim 5. the notification receiving function receives, in response to the instruction, from the management institution device, a notification indicating that a secured amount has been transferred from the management account to the first trader account;
and causing the computer to further realize a payment instruction function for instructing the first institution device to transfer the settlement amount from the first trader's account to a second trader's account of the second trader in response to the notification.
The program according to claim 4. The first authority and the management authority are the same authority;
The program according to any one of claims 1, 2, 4 to 7. a confirmation receiving unit that receives a request for confirmation of the validity of a payment method linked to the first trader's first trader account from a first trader device of the first trader or a second trader device of the second trader in settlement of a transaction between a first trader and a second trader;
a verification unit that verifies the validity of the payment method based on the request;
a securing instruction unit that instructs a first institution device of a first institution that manages the first trader's account to transfer a secured amount from the first trader's account to a management account based on the result of the validity confirmation;
a notification receiving unit that receives a confirmation notification from the first transactor device or the second transactor device that notifies the user that the settlement amount of the settlement has been confirmed;
A calculation unit that calculates the difference between the secured amount and the confirmed settlement amount based on the confirmation notice;
A settlement unit that executes a settlement process for settling the difference;
a payment instruction unit that instructs a management institution device of a management institution that manages the management account to transfer the settlement amount from the management account to a second trader account of the second trader,
Information processing device. The computer
In settling a transaction between a first trader and a second trader, receiving a request from a first trader device of the first trader or a second trader device of the second trader to confirm the validity of a payment instrument linked to a first trader account of the first trader;
Validating the payment method based on the request;
Based on the result of the validation, instruct a first institution device of a first institution that manages the first trader account to transfer a secured amount from the first trader account to a management account;
receiving a confirmation notification from the first transactor device or the second transactor device notifying that the settlement amount of the settlement has been confirmed;
Calculate the difference between the secured amount and the confirmed settlement amount based on the confirmation notice;
Execute a settlement process for settling the difference,
instructing a management institution device of a management institution that manages the management account to transfer the settlement amount from the management account to a second trader account of the second trader;
Information processing methods. The computer
In settling a transaction between a first trader and a second trader, receiving a request from a first trader device of the first trader or a second trader device of the second trader to confirm the validity of a payment instrument linked to a first trader account of the first trader;
Validating the payment method based on the request;
Based on the result of the validation, instruct a first institution device of a first institution that manages the first trader account to transfer a secured amount from the first trader account to a management account;
receiving a confirmation notification from the first transactor device or the second transactor device notifying that the settlement amount of the settlement has been confirmed;
Calculate the difference between the secured amount and the confirmed settlement amount based on the confirmation notice;
instructing a management institution device of a management institution that manages the management account to transfer the settlement amount from the management account to a second trader account of the second trader;
Execute a settlement process for settling the difference.
Information processing methods. The computer
instructing a first institution device of a first institution that manages a first trader's account of a first trader to transfer a secured amount from the first trader's account to a management account;
In settling a transaction between the first trader and the second trader, a confirmation notice is received from a first trader device of the first trader or a second trader device of the second trader notifying that the settlement amount of the settlement using the payment means linked to the first trader's account has been confirmed;
based on the confirmation notice, instruct a management institution device of a management institution that manages the management account to transfer the settlement amount from the management account to a second trader account of the second trader;
Calculate the difference between the secured amount and the confirmed settlement amount;
Execute a settlement process for settling the difference.
Information processing methods. The computer
instructing a first institution device of a first institution that manages a first trader's account of a first trader to transfer a secured amount from the first trader's account to a management account;
In settling a transaction between the first trader and the second trader, a confirmation notice is received from a first trader device of the first trader or a second trader device of the second trader notifying that the settlement amount of the settlement using the payment means linked to the first trader's account has been confirmed;
Calculate the difference between the secured amount and the confirmed settlement amount;
Execute a settlement process for settling the difference,
based on said confirmation notice, instruct a management institution device of a management institution that manages said management account to transfer said settlement amount from said management account to a second trader account of said second trader;
Information processing methods.

Images