JP2003157363A - Settlement method and settlement device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system capable of preventing impossibility of settlement even if a withdrawal amount exceeds the balance in deposit in a bank exclusive for settlement. SOLUTION: A settlement method includes a step in which an account server managed by a financial institution receives a demand for withdrawal from a customer's account, a step for comparing the balance in customer's deposit with a withdrawal amount to judge whether the withdrawal amount exceeds the balance in customer's deposit or not, a step for informing a customer of deficiency of the balance in customer's deposit by the financial institution if the withdrawal amount exceeds the balance in customer's deposit, and a step for withdrawing money from the customer's account when the account server confirms that an amount exceeding the withdrawal amount is paid into the customer's account from a money lender.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement system for managing withdrawal from a deposit account by using a computer, and more particularly to managing an automatic withdrawal from a deposit account in a settlement specialized bank that does not perform a lending business. Payment system.

[0002]

2. Description of the Related Art Ordinary deposits and checking accounts opened in financial institutions are used as settlement accounts for automatic transfer of utility bills, repayments of housing or business loans, installment payments and the like. The amount to be transferred is automatically deducted from the customer's account when the predetermined date is reached. If the amount to be withdrawn exceeds the balance of the deposit, the settlement becomes impossible and the fact is notified to the settler.

If payment due to a specified date becomes impossible to settle,
In addition to various inconveniences such as the occurrence of delay damages and default, there is a possibility that a credit registration agency may be notified and sensitive information may be registered (so-called black information). A financial institution may enter an overdraft contract, a card loan contract, or the like when a customer opens a deposit account, and automatically lends when the deposit balance is insufficient. Therefore, when using a financial institution that provides such an automatic lending service, there is no possibility of inability to settle due to insufficient deposit balance.

However, a so-called settlement specialized bank, whose main business is Internet settlement, is not licensed for lending business and therefore cannot provide an automatic lending service when the deposit balance is insufficient. When automatic transfer is performed by using such a financial institution specialized in payment, there is a possibility that the inability to settle due to insufficient deposit balance and various inconveniences as described above.

[0005]

SUMMARY OF THE INVENTION An object of the present invention is to solve the above-mentioned inconvenience and prevent the inability to withdraw money when the deposit balance is insufficient, even for a financial institution specialized in settlement whose lending operations are limited. However, it is an object of the present invention to provide a payment system for eliminating inconvenience to customers.

[0006]

According to the present invention, a settlement method is such that an account server managed by a financial institution receives a request for withdrawal from a customer's account, and the customer's deposit balance and withdrawal amount. And comparing whether or not the withdrawal amount exceeds the customer's deposit balance, and when the withdrawal amount exceeds the customer's deposit balance, the financial institution notifies the customer of insufficient deposit balance. , Requesting a loan from a money lender, and if the account server confirms that the money lender has deposited more money into the customer's account than the money debited, the money is debited from the customer's account. And a payment method including.

Further, the loan request to the money lender is made when the financial institution receives a signal from the customer that he / she wants to use the method. The customer himself / herself requests the loan to the money lender. According to the present invention, the settlement method compares that the account server managed by the financial institution receives the request for withdrawal from the customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount is Determining whether or not the deposit balance is exceeded, and when the withdrawal amount exceeds the deposit balance of the customer, the financial institution notifies the customer of insufficient deposit balance; When you receive a signal that you want to use this method,
Purchasing securities, including cash vouchers, gift certificates or coupons, from securities issuers on behalf of customers and in the name of customers by credit card settlement, and the above financial institutions purchase the above securities and pay the price to the above customers. And depositing money into the customer's account, and debiting the customer's account when the account server confirms that the customer's account has been deposited in an amount exceeding the withdrawal amount.

According to the present invention, the settlement method compares the fact that the account server managed by the financial institution receives the request for withdrawal from the customer's account with the customer's deposit balance and the withdrawal amount, and the withdrawal amount. Determines whether or not exceeds the customer's deposit balance, and when the withdrawal amount exceeds the customer's deposit balance, the financial institution notifies the customer of insufficient deposit balance, and the financial institution, Upon receiving a signal from the customer that the customer wishes to use this method, purchase a prepaid card (prepaid value indicator) from the prepaid card issuer by credit card payment on behalf of the customer and in the name of the customer, or Purchasing card-type electronic money from a card-type electronic money issuer, and the above-mentioned financial institution, said prepaid card (prepayment type value indicator) Purchases card-type electronic money, deposits the money into the customer's account, and confirms that the account server has deposited more than the withdrawal amount, and the account server confirms that the customer's account Withdrawal from.

According to the present invention, the settlement method compares the fact that the account server managed by the financial institution receives the request for withdrawal from the customer's account with the customer's deposit balance and the withdrawal amount, and the withdrawal amount. Determines whether or not exceeds the customer's deposit balance, and when the withdrawal amount exceeds the customer's deposit balance, the financial institution notifies the customer of insufficient deposit balance, and the financial institution, When the customer receives a signal from the customer that he / she wants to use this method, the virtual value is issued, and the financial institution sells the virtual value to the customer by credit settlement and pays the consideration. If the account server confirms that the customer's account has been deposited and that the customer's account has been deposited in an amount exceeding the withdrawal amount, Includes that of the draw down is made, the.

According to the present invention, the settlement method compares the fact that the account server managed by the financial institution receives a request for withdrawal from the customer's account and the customer's deposit balance with the withdrawal amount, and the withdrawal amount. Determines whether or not exceeds the customer's deposit balance, and when the withdrawal amount exceeds the customer's deposit balance, the financial institution notifies the customer of insufficient deposit balance, and the financial institution, When a signal is received from the above-mentioned customer that the customer wishes to use this method, the virtual value issued by the issuer of the virtual value (value) is purchased on behalf of the customer and by credit settlement in the name of the customer. The financial institution sells the virtual value to a third party, deposits the consideration in the customer's account, and deposits the amount exceeding the withdrawal amount in the customer's account. When the account server to verify that has been including, and that the debit is made from the customer's account.

According to the present invention, the settlement method compares the fact that the account server managed by the financial institution receives the request for withdrawal from the customer's account and the customer's deposit balance with the withdrawal amount, and the withdrawal amount. Determines whether or not exceeds the customer's deposit balance, and when the withdrawal amount exceeds the customer's deposit balance, the financial institution notifies the customer of insufficient deposit balance, and the financial institution, When receiving a signal from the above-mentioned customer that they wish to use this method, request another financial institution to send money, and the above-mentioned withdrawal amount from the above-mentioned other financial institution to the customer's account. When the account server confirms that the deposit has been made, the withdrawal from the customer's account is made.

According to the present invention, the settlement apparatus includes an account server that manages a customer's account established in a financial institution, and a credit server that is connected to the account server via communication means and is managed by a money lender. When the account server determines that the customer's account cannot be debited, the customer is notified of the shortfall in the deposit balance, and instead of the withdrawal from the customer's account, a credit settlement is made through the money lender. To do.

Further, the account server is a storage unit for storing the customer's account number and the customer's telephone number and credit card number associated with the account number, and an online terminal connected online with the credit server of the money lender. The credit settlement unit that manages the deposit balance, the collation unit that collates the deposit balance with the withdrawal amount when there is a request for withdrawal to the customer's account, and notifies the customer of the insufficient deposit balance via the mobile communication terminal of the customer A communication unit for obtaining an instruction as to whether or not to request a loan from a lender, and a control for requesting a loan to the lender by controlling the credit settlement unit when the communication unit obtains the customer's consent. And a section.

Further, the account server has a storage unit for storing the account number of the customer and the account of the same person opened by the customer in another financial institution in association with each other, and a request for debiting the customer's account. Sometimes the collation unit for collating the deposit balance with the withdrawal amount, and the amount equivalent to the withdrawal amount in the customer's account to the other financial institution when the collation unit determines that the deposit balance is insufficient. A transfer request data generation unit for generating request data for requesting the transfer of money, and when the collation unit determines that the deposit balance is insufficient, the customer is notified of the insufficient deposit balance, and the transfer request data is set to the other A transmitting unit for transmitting to an account server of a financial institution.

Therefore, it is possible to prevent the customer from being unable to withdraw money from the account due to a shortage of the deposit balance. In particular,
It is possible to avoid various disadvantages such as payment due to due date becoming unsettled. Customers can know the deposit shortage in real time. Without the customer knowing
Preventing customer debt growth.

[0016]

BEST MODE FOR CARRYING OUT THE INVENTION An example of a settlement system of the present invention will be described with reference to FIG. The payment system of this example has an account server 12 provided in the financial institution 10 and a credit server 32 provided in the money lender 30, both of which are connected by communication means. The communication means includes a communication network line such as the Internet, a telephone line, a dedicated line, etc., but preferably a dedicated line for online use is used. The financial institution 10 may be a bank, a credit union, a post office, a cooperative association, or any other banking business. However, in the present invention, a settlement specialized bank that does not perform a lending business is particularly suitable. The money lender 30 may have any qualification or license for lending or lending business, and includes various financial companies such as credit card issuing companies, consumer loans, and commercial and industrial loans. Account server 12 of financial institution 10
Manages deposit, withdrawal, automatic transfer, automatic withdrawal, etc. of the customer's 20 account 14. Similarly, the credit server 32 also manages the loan balance of the customer 20, payment conditions for payment and repayment, and the like.

The account server 12 further stores the number of the mobile phone 22 of the customer 20. The financial institution 10 directly and in real time exchanges information with the customer 20 via the mobile phone 22. For example, when the deposit balance of the customer 20 is insufficient, the customer 20 is notified of this, and therefore the customer 20
Can know in real time that there is a shortage of deposit balance. Furthermore, the financial institution 10 is
Ask the lender if you should apply for a loan. Therefore, the debt to the lender is prevented from increasing while the customer is not aware of it. In addition,
Although the mobile phone 22 is described as an example, a landline phone may be used instead of the mobile phone.

As shown in FIG. 2, the account server 12 stores the customer's account number and telephone number and the card number of the lender associated with the account number, and a request for withdrawal from the customer's account. When it is determined that the deposit balance is insufficient, the collation unit 122 that collates the deposit balance with the withdrawal amount, and as a result of the collation by the collation unit,
A credit settlement unit 123 for requesting a lender to make a loan or cashing, a transmission / reception unit 124 for communicating with a customer and a lender, and a control unit 125 for controlling these.
Have and. The transmitter / receiver 124 is, for example, CAFIS (Cr
edit and Finance InformationSwitching System)
Etc. has a function of an online terminal for online communication with a money lender.

A first example of the settlement method of the present invention will be described with reference to FIG. In the settlement method of this example, first, step S101.
At, the account server 12 receives the withdrawal request from the customer's account 14. Examples of cases where debits are made from an account include automatic transfer of utility charges, repayment of housing or business loans, monthly installments of automobiles, etc., as described above. In addition, here, you can use the automatic teller machine (A
It also includes cash withdrawal using TM).

Next, in step S102, the customer's deposit balance is compared with the withdrawal amount. This is performed by the matching unit 122 as described above. If the withdrawal amount does not exceed the customer's deposit balance, it is determined that settlement is possible, the process proceeds to step S108, and the withdrawal from the customer's account is performed.

If the withdrawal amount exceeds the deposit balance of the customer, it is determined that the settlement is impossible and the process proceeds to step S103. The financial institution 10 notifies the mobile phone 22 of the customer 20 that the deposit balance is insufficient and payment cannot be made. Furthermore, the financial institution 10 asks the customer 20 whether or not to request a loan from a money lender. In step S104, the customer 20 determines whether to request a loan from the money lender. If it is decided not to request the loan from the money lender, step S110
At, the financial institution 10 stops the transaction. Step S10
When the customer 20 determines to request the loan from the money lender in 4 (4), the process proceeds to step S105. Step S105
Then, the financial institution 10 requests the money lender 30 for a loan on behalf of the customer and in the name of the customer. That is, the loan request is transmitted from the account server 12 to the credit server 32 of the money lender 30. In step S106, the money lender provides a loan or cash. That is, money is remitted from the money lender 30 to the customer's account 14.

The conditions for financing or cashing are predetermined by the contract between the money lender and the customer. For example, in the case of a credit card issuing company, there are installments, revolving, and the like. In the case of consumer finance, commercial and industrial loans, etc., loans are made at a prescribed interest rate. The customer bears a liability to the lender. In the present embodiment, the money lender 30 sends money to the customer's account 14. However, the money lender 30 opens an account (not shown) in the account server 12 provided in the financial institution 10 to make a transfer. By making a transfer request from the non-accounting account to the customer's account 14, the settlement time can be shortened.

In step S107, when the credit settlement unit of the account server 12 confirms that the customer's account has been credited, it generates a settlement possible signal. Step S1
At 08, the customer's account is debited. In step S109, the financial institution 10 reports to the customer 20 via the mobile phone 22 that the customer's account has been credited and the withdrawal from the account has been completed successfully.

A modification of the first example of the present invention will be described with reference to FIG. In this example, when the financial institution 10 notifies the customer 20 of the shortage of the deposit balance via the mobile phone 22, the customer 20 himself / herself applies for a loan to an appropriate money lender 30. In the example described with reference to FIGS. 1 and 3, the financial institution 10 applies for a loan to the money lender 30, but in this example, the customer 20
The difference is that they apply for loans to the money lender 30. Therefore, this example has an advantage that the customer can select an appropriate money lender.

In this way, in this example, since the customer 20 is notified in advance of the shortage of the deposit balance, the customer 20 can know the shortage of the deposit balance in real time. Further, since the application for the loan to the money lender is also made after the confirmation of the customer 20, it is possible to prevent the debt to the money lender from increasing without the customer knowing.

A second example of the settlement method of the present invention will be described with reference to FIG. In this example, instead of using direct lending by a money lender, financing through securities, prepaid cards, card-type electronic money, or the like is used. Account server 12
However, if it is determined that the customer's deposit balance exceeds the withdrawal amount, the financial institution 10 notifies the customer 20 of the shortage of the deposit balance via the mobile phone 22 and informs the customer 20 of securities etc. on behalf of the customer. Ask for permission to purchase. Upon obtaining the consent or permission of the customer 20, the financial institution 10 requests the securities issuer 40 to purchase securities such as cash vouchers, gift certificates, coupon tickets, etc. on behalf of the customer and in the name of the customer by credit settlement. . Instead of securities, prepaid cards (prepayment-type value indicators), card-type electronic money, or other items equivalent to cash vouchers may be purchased.

The financial institution purchases these securities and pays the consideration to the customer's account. When the account server confirms that the customer's account has been credited, it generates a signal indicating that payment is possible, and the account is debited. Financial institutions can freely convert securities into cash at any time.
The customer has a debt to the securities issuer, prepaid card issuer, card-type electronic money issuer or other money lender that settled the credit.

A third example of the present invention will be described with reference to FIG. In this example, a loan from a money lender is used via a virtual value issued by a financial institution. When the account server determines that the customer's deposit balance exceeds the withdrawal amount, the financial institution 1
0 notifies the customer 20 of the shortage of the deposit balance via the mobile phone 22, and the financial institution requests the advisory customer 20 for permission to issue the virtual value on behalf of the customer. When the financial institution 10 obtains the consent or permission of the customer 20,
Issue a virtual value and sell it to customers by credit payment. When the financial institution does not perform the lending business or the money lending business as described above, the credit settlement is performed by the third party money lender 50. The virtual value is a so-called electronic money virtual value, and is information representing the value of a predetermined amount of money. Therefore, it can be issued even by a settlement specialized financial institution where the lending business is limited.

The financial institution settles the virtual value in the name of the customer,
Deposit the consideration into the customer's account. The account server 12
When it is confirmed that the customer's account 14 has been deposited, a signal indicating that settlement is possible is generated and the account is debited. The customer has a liability to the lender on behalf of the credit settlement.

A fourth example of the settlement method of the present invention will be described with reference to FIG. In the third example of FIG. 6, a financial institution issued a virtual value and settled it, but in this example, both the issuer and the recipient of the virtual value are third-party institutions. This example is particularly useful when the financial institution does not issue electronic money or virtual value (value). When the account server 12 determines that the customer's deposit balance exceeds the withdrawal amount, the financial institution 10 notifies the customer 20 of the mobile phone 2
Notify the shortage of the deposit balance via 2 and ask the customer 20 for permission or consent to issue a virtual value.

Upon obtaining the permission or consent of the customer 20, the financial institution purchases the virtual value issued by the virtual value issuer 60 on behalf of the customer and in the name of the customer by credit settlement. , Sell it to the third party who is the accepting party 70. The third party settles the virtual value and transfers the consideration to the customer's account. When the account server confirms that the third party has sent money to the customer's account, the account server determines that payment is possible, and debits the account. The customer has a liability to the virtual value issuer 60 or other lender that made the credit settlement.

A fifth example of the present invention will be described with reference to FIG. In this example, withdrawal from another financial institution is used. This example assumes that the customer has accounts with multiple financial institutions and that at least one of the financial institutions has a sufficient deposit balance. Account server 12
However, if it is determined that the customer's deposit balance exceeds the withdrawal amount, the financial institution 10 notifies the customer 20 of the shortage of the deposit balance via the mobile phone 22 and transfers the customer 20 to another financial institution 80. Request permission or consent to make the request.

When the financial institution 80 obtains the customer's permission or consent, the financial institution 80 requests the remittance to another financial institution 80 in which the customer has an account. The account server 12 uses the customer's account 14
When it is confirmed that the remittance has been sent from another financial institution 80, it is determined that the settlement is possible and the withdrawal from the account is executed.

Referring to FIG. 9, the fifth settlement method of the present invention.
An example of an account server for executing the example of FIG. The account server 12 in this example stores a customer account number and a storage unit 131 that stores the account number of another financial institution associated with the account number.
And a collation unit 13 that collates the deposit balance with the withdrawal amount when there is a request for withdrawal to the customer's account.
2, a request data generation unit 133 that generates request data for requesting remittance to another financial institution when a result of the verification by the verification unit is insufficient, and a transmission / reception unit 134 that transmits the request data. , A control unit 13 for controlling these
5 and. The transmitting / receiving unit 134 has a function of an online terminal for online communication with another financial institution. The transmitting / receiving unit 134 is the mobile phone 22 of the customer 20.
Communicate with.

Although the example of the settlement system of the present example has been described above, the present invention is not limited to the above example unless it exceeds the scope of the present invention described in the claims. Will be understood by those skilled in the art.

[0036]

According to the present invention, in a financial institution that does not perform a lending business, even if the amount of money deducted from an account exceeds the deposit balance, it becomes possible to avoid the inability to make a settlement. According to the present invention, a settlement specialized financial institution, such as an internet bank, whose lending operations are limited and only performs settlement, may not be able to make settlement even if the amount withdrawn from the account exceeds the deposit balance. Has the effect of being avoided.

According to the present invention, the customer is notified of the shortage of the deposit balance, so that the customer can know in real time that the shortage of the deposit balance has occurred. Furthermore, after the customer's intention to receive a loan from a money lender etc. is confirmed, the loan application is made,
This has the effect of preventing an increase in debts to lenders, etc. without the customer's knowledge.

[Brief description of drawings]

FIG. 1 is an explanatory diagram for explaining a first example of a settlement method according to the present invention.

FIG. 2 is an explanatory diagram for explaining an example of the configuration of an account server of the payment system according to the present invention.

FIG. 3 is a flowchart for explaining the procedure of the first example of the settlement method according to the present invention.

FIG. 4 is an explanatory diagram for explaining a modified example of the first example of the settlement method according to the present invention.

FIG. 5 is an explanatory diagram for explaining a second example of the settlement method according to the present invention.

FIG. 6 is an explanatory diagram for explaining a third example of the settlement method according to the present invention.

FIG. 7 is an explanatory diagram for explaining a fourth example of the settlement method according to the present invention.

FIG. 8 is an explanatory diagram for explaining a fifth example of the settlement method according to the present invention.

FIG. 9 is an explanatory diagram for explaining another example of the configuration of the account server of the payment system according to the present invention.

[Explanation of symbols]

10 ... Financial institution, 12 ... Account server, 14 ... Customer account, 20 ... Customer, 22 ... Mobile phone, 30 ... Money lender, 32 ... Credit server, 40 ... Securities issuer, 50 ... Money lender, 60 ... Electronic money issuer, 70 ... Electronic money acceptor, 80 ... Financial institution

Claims (11)

[Claims] 1. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. If the withdrawal amount exceeds the deposit balance of the customer, the financial institution notifies the customer of the insufficient deposit balance, requests the lender to provide the loan, and A settlement method comprising: when the account server confirms that the amount of money exceeding the withdrawal amount has been deposited into the customer's account from a trader, the account is withdrawn from the customer's account. 2. The settlement according to claim 1, wherein the request for loan to the money lender is made when the financial institution receives a signal from the customer that the customer wishes to use the method. Method. 3. The settlement method according to claim 1, wherein the customer himself / herself requests the loan to the money lender. 4. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. Whether the withdrawal amount exceeds the deposit balance of the customer, the financial institution notifies the customer of the shortfall of the deposit balance, and the financial institution uses the method from the customer. Purchasing a securities including a cash voucher, a gift certificate or a coupon ticket from a securities issuer on behalf of the customer and by credit settlement in the name of the customer when receiving a signal to the effect that The institution will purchase the above securities, deposit the money into the customer's account, and confirm that the customer's account has been deposited in an amount exceeding the withdrawal amount. And a debit from the customer's account upon confirmation by the account server. 5. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. Whether the withdrawal amount exceeds the deposit balance of the customer, the financial institution notifies the customer of the shortfall of the deposit balance, and the financial institution uses the method from the customer. When you receive a signal that you wish to do so, you purchase a prepaid card (prepayment type value indicator) from the prepaid card issuer on behalf of the customer and by credit card payment in the name of the customer, or from the card type electronic money issuer Purchasing card-type electronic money, and the financial institution purchasing the prepaid card (prepaid value indicator) or card-type electronic money. And then deposit the money into the customer's account, and if the account server confirms that the customer's account has been deposited in an amount exceeding the withdrawal amount, the account will be deducted from the customer's account. And a payment method including. 6. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. Whether the withdrawal amount exceeds the deposit balance of the customer, the financial institution notifies the customer of the shortfall of the deposit balance, and the financial institution uses the method from the customer. When the signal that the customer wishes to do so is received, the virtual value is issued, and the financial institution sells the virtual value to the customer by credit settlement and deposits the consideration into the customer's account. And that the account server confirms that the customer's account has been deposited with an amount exceeding the withdrawal amount, the withdrawal from the customer's account will be made. , Including payment methods. 7. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. Whether the withdrawal amount exceeds the deposit balance of the customer, the financial institution notifies the customer of the shortfall of the deposit balance, and the financial institution uses the method from the customer. Purchasing a virtual value issued by the issuer of the virtual value (value) on behalf of the customer and by credit settlement in the name of the customer when the signal that the customer wishes to Sell the virtual value to a third party, deposit the consideration into the customer's account, and confirm that the customer's account is deposited with an amount exceeding the withdrawal amount. The payment method including the withdrawal from the customer's account when the customer confirms. 8. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. Whether the withdrawal amount exceeds the deposit balance of the customer, the financial institution notifies the customer of the shortfall of the deposit balance, and the financial institution uses the method from the customer. When you receive a signal that you want to do so, request that you send money to another financial institution, and that the other financial institution has deposited the amount of money exceeding the withdrawal amount into the customer's account. And a debit from the customer's account upon confirmation by the account server. 9. An account server for managing a customer's account opened at a financial institution, and a credit server connected to the account server via communication means and managed by a money lender, the account server comprising: A payment characterized by notifying the customer of a shortage of deposit balance when it is determined that the withdrawal by the customer's account is impossible, and performing a credit settlement via the money lender instead of the withdrawal from the customer's account. apparatus. 10. The settlement apparatus according to claim 9, wherein the account server stores a customer's account number, a customer's telephone number and a credit card number associated with the account number, and a credit of a lender. Via a credit settlement unit that manages an online terminal connected online to the server, a collation unit that collates the deposit balance with the debit amount when a customer's account is debited, and the customer's mobile communication terminal The communication unit for notifying the customer that the deposit balance is insufficient and for instructing the customer whether or not to request the loan from the money lender, and when the communication unit obtains the customer's consent, the credit settlement unit is controlled to control the loan. A payment unit, comprising: a control unit for requesting a loan from a trader. 11. The settlement device according to claim 9, wherein the account server stores a customer's account number and an account of the same person opened by the customer in another financial institution in association with each other, A collation unit for collating the deposit balance with the debit amount when there is a request for withdrawal to the customer's account, and the customer account for the other financial institution when the collation unit determines that the deposit balance is insufficient. The transfer request data generation unit for generating request data for requesting the transfer of the amount equivalent to the withdrawal amount, and the customer is notified of the insufficient deposit balance when the collation unit determines that the deposit balance is insufficient. , A transmission unit for transmitting the transfer request data to an account server of the other financial institution,
A payment device comprising: