JP6949083B2 - Value transfer system - Google Patents

Description

The present disclosure relates to a value transfer system, and in particular to a value transfer system that allows the transfer of value in an electronic payment service in accordance with specified conditions.

With the widespread use of computer devices such as smartphones, payment services (electronic payments) using such computer devices are becoming widespread. A payment service is a service implemented by a computer system that enables a user to make a payment without using cash. Hereinafter, a computer system that implements such a payment service will be referred to as a "payment system".

In the payment system described above, the user has his or her own account within the payment system. Users can use their computer devices to deposit money into their accounts. The user can make an electronic payment within the range of the deposited amount (balance). That is, the balance deposited in the account has a valid value within the payment system.

The above-mentioned value can be transferred to a third party other than the user. Non-Patent Document 1 discloses a technique for remittance of the balance in an account in a payment system. For example, consider a case where the user α has a value of 10,000 yen in his / her own account and remits 5,000 yen to the user β. According to the technique disclosed in Non-Patent Document 1, 5000 yen in the account of the user α is remitted to the account of the user β by a predetermined operation on the user α on his / her own computer device.

"Send PayPay balance >> Receive", [online], PayPay Co., Ltd. homepage, [Search on August 21, 1991], Internet (URL: https://paypay.ne.jp/guide/send/)

According to the technique disclosed in Non-Patent Document 1, for example, when a parent pays a child pocket money, the value can be transferred in a virtual form (electronic money) without using cash. In this way, when minors make payments using pocket money (value) provided by their parents, it is possible to eliminate the need to carry cash and improve security.

For example, consider the case where a parent pays a child a certain amount of value to buy a book. In this example, the parent wants the value paid to the child to be limited to books only. Conventionally, such a request has been realized by using a book ticket. Replacing book tickets with electronic money is expected to further enhance convenience and security.

The technology disclosed in Non-Patent Document 1 merely remits the balance in the account in the payment system, and does not limit the remitted amount to the use such as books.

The method performed by the computer according to the embodiment is a method performed by a computer device connected to the payment system, wherein the payment system is attached to the value of providing and transferring the payment service and the value. A step of storing the limitation in association with the user identification number, a step of acquiring the user identification number, a step of acquiring the value and the limitation based on the user identification number, and a step based on the limitation. A step of determining whether the value is permitted for payment, and a step of generating a payment message and transmitting the payment message to the payment system when it is determined that the value is permitted for payment. To be equipped.

A computer device according to another embodiment is a computer device connected to a payment system that provides a payment service, wherein the computer device includes a control device, a communication device, and a storage device, and the control device is transferred. The value to be used and the limitation attached to the value are stored in the storage device in association with the user identification number, the user identification number is acquired, and the value and the limitation are set based on the user identification number. When it is acquired, it is determined whether or not the value is permitted for settlement based on the limitation, and when it is determined that the value is permitted for the settlement, a settlement message is generated, and the communication device is used for the settlement system. The payment message is transmitted to the computer.

A computer system according to yet another embodiment is a computer system comprising a server computer, a computer device, and a POS computer, wherein the server computer is of value to be connected to and transferred to a payment system that provides payment services. The limit attached to the value is stored in association with the user identification number, the computer device generates a code in which the user identification number is encoded, and the POS computer reads and decodes the code. Then, the user identification number is acquired from the decrypted code, a payment message is generated based on the user identification number, and the payment message is transmitted to the server computer. Based on the user identification number included in the payment message, the value and the limitation are acquired, and based on the limitation, it is determined whether the value is permitted for payment, and the value is permitted for the payment. If it is determined, the payment message is transmitted to the payment system.

According to the value transfer system according to the embodiment, it is possible to restrict the settlement of the transferred value under the conditions specified by the user.

It is a figure which shows the example of the whole structure of the value transfer system which concerns on 1st Embodiment. It is a figure which shows the example of the detailed configuration of a computer device and a server computer. It is a flowchart which shows an example of the process of transferring a value. It is a figure which shows the example of the transfer designation input interface. It is a figure which shows the example of the account data table. It is a flowchart which shows the example of the settlement process which concerns on 1st Embodiment. It is a figure which shows the example of the whole structure of the value transfer system which concerns on 2nd Embodiment. It is a flowchart which shows the example of the settlement process which concerns on 2nd Embodiment.

In the following, the value transfer system according to the embodiment will be described with reference to the attached drawings. In the following embodiment, in the payment service provided by the business operator (hereinafter, service provider), an example of transferring the balance (value) deposited in the account with a specified limit will be described. In addition, an example of making a settlement through a value with a specified limit will be described. The payment service is realized by a payment system implemented by a computer system.

The payment service means a service that enables a user to make a payment without using cash at a member store affiliated with a service provider. A user can use a payment service by executing a payment application (computer program) corresponding to the payment service on the computer device used by the user.

The user has his / her own account in the payment service. The user can deposit virtual value into the account. The deposited value is managed as a balance for each account. The user can make a payment within the range of the balance. When the user makes a payment, the payment amount is deducted from the balance, and if there is a shortage, the payment amount may be deducted from the user's account, or an arbitrary amount may be charged to the balance in advance. The payment system implements the payment procedure described above.

When the user makes a payment at a member store, a payment message is sent to the payment system. The payment system executes a process of withdrawing the payment amount from the registered user's account based on the payment message. Since the processing executed by the payment service is known, detailed description thereof will be omitted in the following embodiments.

At present, each of a plurality of service providers has implemented a payment system. That is, the user can use a plurality of different payment services. In the following embodiments, it is assumed that an arbitrary payment service is used, and the computer device executes a payment application corresponding to the payment service.

<First Embodiment>
First, an example of the value transfer system 100 according to the first embodiment will be described. The first embodiment corresponds to an embodiment in which code payment is performed in the MPM (Merchant Presented Mode) method. In the MPM method, a computer device reads a code (one-dimensional code (for example, barcode) and (two-dimensional code (for example, QR code (registered trademark))) installed in a store (member store) or the like, and the computer device. Sends a payment message to the payment system. The payment message includes information such as a user identification number, a member store identification number, and a payment amount assigned in the payment system.

FIG. 1 shows an example of the overall configuration of the value transfer system 100 according to the first embodiment. The value transfer system 100 includes a computer device 1, a server computer 2, and a payment system 3. The computer device 1, the server computer 2, and the payment system 3 are interconnected via a network 4 including a public line.

The computer device 1 is a computer device (information processing device) used by a user. The computer device 1 may be any computer device having at least a calculation function, a communication function, an information input function, and an imaging function, such as a smartphone, a personal computer, and a tablet computer. The computer device 1 reads the code installed in the member store when the user makes a payment. The code is at least encoded with the member store identification number corresponding to the member store.

The server computer 2 is a computer device (information processing device) that provides predetermined information to the computer device 1 in response to an inquiry by the computer device 1 (pull type) or at a fixed timing (push type). The server computer 2 stores information about the member store.

The payment system 3 is a computer system implemented by a service provider that provides a payment service to a user. The payment system 3 provides a payment application that runs on the computer device 1. The user can use the payment service provided by the payment system 3 by executing a computer program corresponding to the payment application on the computer device 1.

Next, an example of a detailed configuration of the computer device 1 and the server computer 2 will be described with reference to FIG. The computer device includes a control device 11, a memory 12, a storage device 13, a communication device 14, an input device 15, an output device 16, and an image pickup device 17.

The control device 11 is also referred to as a processor, and executes control of each of the above components and calculation of data. Further, the control device 11 reads a predetermined program stored in the storage device 13 into the memory 12 and executes the various processes according to the present embodiment.

The memory 12 is a volatile data storage device that stores data transmitted from the server computer 2 and the like, computer-executable instructions, and data after arithmetic processing by the instructions. The memory 12 may be implemented in RAM (random access memory) (for example, SRAM (static RAM) and DRAM (dynamic RAM)).

The storage device 13 is a non-volatile data storage device that stores the above-mentioned program, account information, and the like. The account information is information about the account that the user has in the payment service, and includes a user identification number, a balance, and the like. The storage device 13 may be mounted on a non-volatile semiconductor memory such as a ROM (read-only memory), a magnetic storage device (hard disk drive or the like), an optical disk, or the like. The computer device 1 implements a DBMS (Database Management System), and the account information is implemented by a database table.

The communication device 14 is a network interface for transmitting and receiving data and control information to and from an external computer device such as a server computer 2 through the network 4. This network interface includes, for example, a network card (for example, a LAN card) that conforms to a protocol such as TCP / IP.

The input device 15 is an input device for inputting information such as a payment amount via characters, images, voice, and the like. The input device 15 includes a keyboard, a touch panel, a microphone, and the like.

The output device 16 is an output device for displaying information or the like indicating that the payment has been completed via characters, images, voice, or the like. The output device 16 includes a display, a speaker, and the like.

The image pickup device 17 is an image pickup device (element) for taking an image of a code installed in a member store and transmitting it to the control device 11. The image pickup device 17 includes a camera and the like.

The server computer 2 includes a control device 21, a memory 22, a storage device 23, and a communication device 24. Since the control device 21, the memory 22, the storage device 23, and the communication device 24 each have the same functions as the control device 11, the memory 12, the storage device 13, and the communication device 14 described above, detailed description thereof will be omitted. do.

Next, with reference to FIG. 3, an example of the process executed by the value transfer system 100 according to the first embodiment will be described. In the present embodiment, an example in which the user A transfers the value to the user B through the value transfer system 100 will be described. Both user A and user B have an account in the payment system implemented by the payment system 3 (user A's account is referred to as account a and user B's account is referred to as account b). Further, both the user A and the user B are assigned a unique user identification number in the payment system 3.

Both user A and user B have a computer device 1. In the following, the computer device used by the user A will be referred to as the computer device 1A. Further, the computer device used by the user B is referred to as the computer device 1B. The account data table described below is stored in each of the storage devices 13 of the computer device 1A and the computer device 1B.

First, in step S301, the transfer designation input interface 400 is displayed on the input device 15 of the computer device 1A. The transfer designation input interface 400 is an input interface for the user A to input information for designating the value (balance) in the account a, such as the value and conditions to be transferred to the user B.

The transfer designation input interface 400 is displayed when the control device 11 of the computer device 1A executes a predetermined program. The predetermined program is a program for executing the process according to the present embodiment, and is downloaded from the server computer 2.

FIG. 4 shows an example of the transfer designated input interface 400. The transfer designation input interface 400 shown in FIG. 4 is displayed by inputting information such as a user identification number corresponding to the account a on an initial screen (not shown).

As shown in FIG. 4, the transfer designation input interface 400 includes a transfer destination user identification number input unit 401, a transfer amount input unit 402, a usage input unit 403, and a condition input unit 404.

The transfer destination user identification number input unit 401 is an input field that accepts the input of the user identification number corresponding to the account to which the value is transferred. In the present embodiment, the user identification number (of user B) corresponding to account b is input.

The transfer amount input unit 402 is an input field that accepts input of the value (transfer amount) to be transferred. User A can input the transfer amount within the range of the value existing in the account a at the time when step S301 is executed.

The use input unit 403 is an input field for receiving input of a use that can be used by the user B for the transfer amount input in the transfer amount input unit 402. In FIG. 4, since the usage input unit 403 specifies "books" and "stationery", the user B can use the transfer amount from the account a to purchase only books and / or stationery. Can be done. The designation of such use is to prevent the user B from using the transfer amount for purposes other than the intended purpose.

The condition input unit 404 is an input field for accepting input of conditions that can be used by the user B for the value input in the transfer amount input unit 402. Here, the condition includes, for example, the maximum amount that can be used at one time for the transfer amount. In FIG. 4, since the maximum limit amount of 500 yen is specified in the condition input unit 404, the user B can use up to 500 yen at a time for the value transferred from the account a.

Further, the condition includes, for example, the minimum number of times that the transfer amount can be used. Since the minimum number of times of use is specified in the condition input unit 404 in FIG. 4, the user B needs to use the value transferred from the account a in at least three times. The designation of such a condition is to prevent the user B from excessively using the transfer amount at one time.

The above-mentioned uses and conditions impose a limit specified by User A on the transfer amount. The limited transfer amount is restricted to meet certain uses and / or conditions when making a payment. The above restrictions are merely examples, and specific restrictions may be specified for the transfer amount. For example, the restriction may be to limit the retransfer to a certain number of times, prohibit the retransfer to a certain number of times, limit the number of times of use to a certain number of times, limit the day and / or time of use, and the like. Further, the condition input unit 404 and the like shown in FIG. 4 accept information by pull-down menu, text input, and a combination thereof, but the information is not limited to such a format, and information may be accepted in any format.

Returning to FIG. 3, when information is input to the transfer designation input interface 400, the control device 11 of the computer device 1A generates a transfer designation message based on the input conditions and transmits it to the computer device 1B (step). S302). In addition to the user identification number of user A (transfer source user identification number), the transfer designation telegram includes the transfer destination user identification number, transfer amount, use, and / or conditions input in the transfer designation input interface 400. At least include.

When the communication device 14 of the computer device 1B receives the transfer designated message, the control device 11 updates the corresponding data record in the account data table 500 corresponding to the transfer destination user identification number included in the transfer designated message (step). S303). FIG. 5 shows an example of the account data table 500. The account data table 500 is a database table that implements the account information of each of the user A and the user B.

The account data table 500 includes user identification number 501, balance 502, restricted balance 503, usage 504, and condition 505 (condition 1, condition 2, ..., Condition n (n is an arbitrary number)) as data items. The account data table 500 includes a data record for each user identification number set in the user identification number 501.

For the balance 502, the value of the balance (value) that the user has in the account is set. For example, when user A deposits a specific value using computer device 1A (eg, via an input interface (not shown) for depositing), the deposit amount is set to balance 502. Is added to the value.

The limited balance 503 is set to the value input in the transfer amount input unit 402 when the use and / or conditions are specified in the transfer designation input interface 400 described above. That is, when a certain limit is attached to the transfer amount, the transfer amount is added to the value set in the restricted balance 503. On the other hand, if no use and / or condition is specified, the value entered in the transfer amount input unit 402 is added to the value set in the balance 502. In other words, the value will be transferred without any restrictions.

For the use 504, the value specified in the use input unit 403 of the transfer designated input interface 400 is set. This value corresponds to the sum of unique values (multiples of 2 starting from 2) corresponding to pre-classified uses, such as "2: books" and "4: stationery". In the usage input unit 403 shown in FIG. 4, "books" and "stationery" are designated as the usage, so that "6", which is the sum of "2: books" and "4: stationery", is added to the usage 504. Set.

The value specified in the condition input unit 404 of the transfer designation input interface 400 is set for the condition 505 (when a plurality of conditions are specified, the condition 1, the condition 2, and the condition n are set). For this value, for example, a unique value corresponding to a pre-classified condition such as "1: maximum amount" and "2: minimum number of uses" and a value such as the corresponding amount and number of times are set. For example, in the condition input unit 404 shown in FIG. 4, two conditions, 500 yen as the maximum limit amount, and three times as the minimum number of times of use are specified, so that the condition 1 is "1: maximum limit amount". And "500" and condition 1 are set to "2: minimum number of uses" and "3".

FIG. 5A shows an account data table 500 stored in the storage device 13 of the computer device 1A. The account data table 500 shown in FIG. 5A includes the account information of the user A. FIG. 5A shows that user A has 20,000 yen in his / her own account a.

FIG. 5B shows an account data table 500 stored in the storage device 13 of the computer device 1B. The account data table 500 shown in FIG. 5B includes the account information of the user B. FIG. 5B shows that user B does not have a balance in his account b.

FIG. 5C shows the account data table 500 stored in the storage device 13 of the computer device 1B after the update process in step S303. By the process in step S303, the account information (account b) of the user B is updated based on the information included in the transfer designated telegram. As shown in FIG. 5 (c), in the transfer designation input interface 400 shown in FIG. 4, since the usage and conditions are specified, the transfer amount (that is, the account a of the user A to the account b of the user B) is specified. The amount transferred to) is set (added) to the restricted balance 503.

Returning to FIG. 3, when the data record of the account data table 500 is updated, the communication device 14 of the computer device 1B transmits an acknowledgment (ACK) message to the computer device 1A (step S304). When the communication device 14 of the computer device 1A receives the ACK message, the control device 11 updates the corresponding data record in the account data table 500 (step S305). Specifically, the transfer amount input in the transfer amount input unit 402 in the transfer designation input interface 400 is subtracted from the value set in the balance 502 (see FIG. 5D).

The process in steps S301 to S305 completes the transfer of value from account a to account b. In addition, there are certain restrictions on the value of transfer. In such a state, FIG. 6 describes an example in which the user B makes a payment within the range of the restricted balance. FIG. 6 describes an example in which the user B makes a payment at a specific member store.

First, in step S601, when the user B makes a payment at the member store (for example, purchasing a product at the member store), the image pickup device 17 of the computer device 1B images the code installed in the member store. At this time, the user B inputs the payment amount via the input device 15. The captured code is transmitted to the control device 11 together with the input payment amount. The control device 11 decodes the information encoded in the code. The code is at least encoded with the member store identification number corresponding to the member store. That is, in step S601, the control device 11 acquires the payment amount and the member store identification number.

Next, the control device 11 acquires an account data record from the account data table 500 (step S602). Next, the control device 11 determines the type of business of the member store based on the member store identification number acquired in step S601 (step S603). This determination is made based on the member store information in which the member store identification number and the industry number (the number corresponding to the pre-classified industry) are associated with each other.

The member store information may be stored in advance in the storage device 13 of the computer device 1B. In this case, the member store information is transmitted from the server computer 2 at a regular timing (pull type or push type). Alternatively, at the timing of step S603, the communication device 14 may inquire of the server computer 2 by transmitting the member store identification number read in step S306 to the server computer 2. In this case, the server computer 2 returns the industry number corresponding to the member store.

Next, based on the industry of the member store determined in step S603 and the value set in the usage 504 included in the account data record acquired in step S602, the industry of the member store corresponds to the designated usage. (Step S604). For example, when "2: books" and / or "4: stationery" are set for use 504, the type of business of the member store is "13: bookstore" and "55: stationery store" (that is, books and stationery are handled. It must be a member store). The number of these uses and the number of the type of business may be associated with each other in advance in the mapping table.

When the control device 11 determines that the type of business of the member store does not correspond to the specified use (No in step S604), the output device 16 displays an error message and ends the process as an unintended use. On the other hand, when the control device 11 determines that the type of business of the member store corresponds to the specified use (Yes in step S604), the process proceeds to the subsequent processing.

Next, the control device 11 determines whether the payment satisfies the condition based on the payment amount acquired in step S601 and the value set in the condition 505 included in the account data record acquired in step S602 (). Step S605). For example, when the maximum limit amount is set in the condition 505, it is determined whether the settlement amount exceeds the maximum limit amount. When the minimum number of uses is set in the condition 505, the number of payments is added and stored in the storage device 13 each time the payment is made, and based on the added number of payments, it is determined whether or not the number of uses is less than the minimum number of uses. May be good.

When the control device 11 determines that the settlement does not satisfy the condition (No in step S605), the output device 16 displays an error message as an out-of-condition use and ends the process. On the other hand, when the control device 11 determines that the settlement satisfies the condition (Yes in step S605), the process proceeds to the subsequent processing.

The determinations in steps S603 to S605 are merely examples. That is, in the processing in steps S603 to S605, the control device 11 determines whether the transferred value is allowed for settlement based on the designated limit.

In step S606, the control device 11 generates a payment message including at least the payment amount, the member store identification number, and the user identification number acquired in step S601. The generated payment message is transmitted to the payment system 3 by the communication device 14.

When the payment system 3 receives the payment message, it then executes processing such as withdrawing the payment amount from the account of user A, but these processes are the same as the conventional processing, so detailed explanations are omitted. do. When the payment is completed, the payment system 3 transmits a payment completion notification to the computer device 1 (step S607). The payment completion notification includes the payment amount.

When the communication device 14 of the computer device 1B receives the payment completion notification, the control device 11 updates the account data record acquired in step S602 based on the payment amount included in the payment completion notification (step S608). Specifically, the settlement amount is subtracted from the value set in the restricted balance 503. By this process, the account information of the user B after the payment is completed is updated to the latest state.

As described above, the example of the value transfer system 100 according to the first embodiment has been described. According to the first embodiment, the value transfer system 100 can impose restrictions specified by the transfer source user on the transferred value.

<Second embodiment>
Next, an example of the value transfer system 100 according to the second embodiment will be described. The second embodiment corresponds to an embodiment in which code payment is performed in a CPM (Consumer Presented Mode) method. In the CPM method, the computer device used by the user displays the code (bar code, QR code, etc.), the POS computer installed in the store (member store) reads the code, and the POS computer sends the payment message to the payment system. Send.

FIG. 7 shows an example of the overall configuration of the value transfer system 100 according to the second embodiment. The value transfer system 100 further includes a POS computer 5 in addition to the configuration shown in FIG. The POS computer 5 is connected to at least the server computer 2 via a network.

The POS computer 5 is a computer device (information processing device) installed in a member store. The POS computer 5 executes a payment program corresponding to the payment system 3, and is any computer having a calculation function, a communication function, and an information input function (in the present embodiment, the information input function is implemented by a reader). It may be a device. The POS computer 5 reads the code displayed on the computer device 1, generates a payment message, and transmits it to the server computer 2.

An example of making a payment within the limited balance described in the first embodiment is executed by the computer device 1, but in the second embodiment, those processes are executed by the server computer 2. Therefore, the server computer 2 stores the account data table 500 including the account information corresponding to the user A and the account information corresponding to the user B described with reference to FIG.

Next, with reference to FIG. 8, an example of the process executed by the value transfer system 100 according to the second embodiment will be described. Also in this embodiment, the user B makes a payment within the limited balance. As a premise, it is assumed that the value is transferred from the account a of the user A to the account b of the user B through the process described in FIG.

First, in step S801, when the user B makes a payment at the member store (for example, purchasing a product at the member store), the control device 11 of the computer device 1B generates a code. The generated code is displayed on the output device 16. The code is at least encoded with the user identification number of user B.

In step S802, the reader of the POS computer 5 reads the code generated in step S801. At this time, the user B or the clerk of the member store inputs the payment amount from the POS computer 5. The POS computer 5 decodes the information encoded in the code. That is, in step S802, the POS computer 5 acquires the payment amount and the user identification number.

In step S803, the POS computer 5 generates a payment message including the member store identification number of the member store in addition to the payment amount and the user identification number acquired in step S802. The member store identification number is stored in advance in the POS computer 5. The generated payment message is transmitted to the server computer 2.

When the communication device 24 of the server computer 2 receives the payment message, the server computer 2 executes steps S804 to S808. Since the processing in steps S804 to S808 is the same as in steps S602 to S606, the description thereof will be omitted. As described above, the server computer 2 stores the account data table 500 in the storage device 23. In the process in step S804, the account data record is acquired from the account data table 500 based on the user identification number (of the user B) included in the payment message.

Further, the server computer 2 generates a payment message including at least the payment amount, the member store identification number, and the user identification number, and transmits the payment message to the payment system 3. The subsequent processing in step S809 is the same as the processing in step S607, and thus the description thereof will be omitted. In step S809, the payment system 3 transmits the payment completion notification to the computer device 1B, and at this time, the payment completion notification is also transmitted to the server computer 2.

When the communication device 24 of the server computer 2 receives the payment completion notification, the control device 21 updates the account data record acquired in step S804 based on the payment amount included in the payment completion notification (step S810). Specifically, the settlement amount is subtracted from the value set in the restricted balance 503. By this process, the account information of the user B after the payment is completed is updated in the server computer 2 to the latest state.

As described above, the example of the value transfer system 100 according to the second embodiment has been described. The second embodiment also allows the value transfer system 100 to limit the use of the transferred value to the uses and / or conditions specified by the transfer source user.

As described with reference to FIG. 3, the value is transferred between the two accounts by updating the account data table 500 stored in each of the computer device 1A and the computer device 1B. Not limited to. For example, when transferring value, computer device 1A may generate a code encoding the transfer amount, use, conditions, etc. described in FIG. 4 and send it to computer device 1B (by e-mail or the like). ..

When the computer device 1B receives the above-mentioned code, reads the code, and decodes the code, the information such as the transfer amount specified by the user A can be acquired. Therefore, the computer device 1B can execute the process of making a payment within the range of the restricted balance according to the processes described with reference to FIGS. 6 and 8. In such a form of processing, when the value is transferred, the information encoded in the code includes the transfer amount and the usage, so that it is necessary to manage the account data table 500 in the computer device 1A and the computer device 1B. Can be eliminated.

Although the above embodiment has been described by taking code payment as an example, the value transfer system 100 according to this embodiment is also applied to any payment service implemented by a computer system other than code payment. For example, it may be applied to a payment service in which a dedicated device reads a contactless (RFID) payment means to acquire balance information and perform electronic payment.

It should also be noted that the processing and hardware components described in the above embodiments are only exemplary and other configurations are possible. Further, the order of processing described in the above embodiment does not necessarily have to be executed in the order described, and may be executed in any order. In addition, additional steps may be added without departing from the basic concept of the present invention.

Further, the value transfer system 100 is implemented by a computer program executed by the computer device 1 and / or the server computer 2, and the computer program may be stored in a non-temporary storage medium. Examples of non-temporary storage media include magnetic media such as read-only memory (ROM), random access memory (RAM), registers, cache memory, semiconductor memory devices, internal hard disks and removable disk devices, optomagnetic media, and Includes optical media such as CD-ROM discs and digital versatile discs (DVDs).

1 computer device, 2 server computer, 3 payment system, 4 network, 5 POS computer

Claims (6)

A method performed by a first computer device connected to a payment system, wherein the first computer device stores the value of the first user and the user identification number in association with each other in a storage device. The payment system provides a payment service,
A step of receiving a telegram associated with a value transferred from a second user, a limitation attached to the value, and a user identification number from a second computer device , wherein the limitation is used by the value. Steps and, including uses
A step of updating the value corresponding to the user identification number stored in the storage device based on the transferred value, and storing the updated value in association with the limitation.
The steps to obtain the updated value and the limits,
A step of determining whether the updated value is allowed for settlement based on the limitation.
Steps to get the merchant identification number and
Steps to determine the type of business of the member store corresponding to the member store identification number,
A step that includes a step of determining whether the industry corresponds to the application, and a step.
When it is determined that the updated value is permitted for the payment, a payment message is generated and the payment message is transmitted to the payment system.
A method characterized by being equipped with. The limitation includes the conditions under which the value is utilized.
The method is
Steps to get the payment amount and
A step of determining whether the payment satisfies the condition based on the payment amount, and
The method according to claim 1 , further comprising. A first computer device connected to a payment system that provides a payment service, wherein the first computer device includes a control device, a communication device, and a storage device, and the value and utilization of the first user. The person identification number is associated and stored in the storage device.
The communication device receives from the second computer device a telegram associated with the value transferred from the second user, the limitation attached to the value, and the user identification number, and the limitation is the value. Including the intended use
The control device is
The value corresponding to the user identification number stored in the storage device is updated based on the transferred value, and the updated value is stored in association with the limitation.
Acquire the updated value and the limit,
Based on the above restrictions , by acquiring the member store identification number, determining the type of business of the member store corresponding to the member store identification number, and determining whether the type of business corresponds to the above-mentioned use. To determine if the updated value is allowed for settlement,
If it is determined that the updated value is permitted for the settlement, a settlement message is generated.
The communication device transmits the payment message to the payment system.
A computer device that features that. A computer system comprising a server computer, a first computer device, and a POS computer, wherein the server computer is connected to a payment system that provides a payment service, and the value and user identification of the first user. The number is associated and stored in the storage device,
The server computer
Receive a telegram from the second computer device that associates the value transferred from the second user, the restrictions attached to the value, and the user identification number.
The value corresponding to the user identification number stored in the storage device is updated based on the transferred value, and the updated value is stored in association with the limitation.
The first computer device generates a code in which the user identification number is encoded.
The POS computer
The code is read and decrypted, and the user identification number is obtained from the decrypted code.
A payment message is generated based on the user identification number,
Send the payment message to the server computer and
The server computer
Based on the user identification number included in the payment message, the updated value and the limitation are acquired.
Based on the restrictions, it is determined whether the updated value is allowed for settlement.
When it is determined that the updated value is permitted for the payment, the payment message is transmitted to the payment system.
A computer system characterized by that. A program comprising causing a computer to execute the method according to claim 1 or 2. A computer-readable storage medium comprising recording the program according to claim 5.

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