SETTLEMENT DEVICE, SETTLEMENT METHOD, PROGRAM, AND SETTLEMENT SYSTEM

To provide a settlement service having high convenience for a user while suppressing the risk of uncollectibility of a used amount.SOLUTION: A settlement device 11 acquires account information via an acquisition unit 13 from a financial institution server 23 on which an account utilized by a user is prepared each time a user makes transaction with an affiliated store, determines a credit amount by predicting an account balance on a predetermined due date on the basis of the account information by a determination unit 14, determines whether or not a settlement is to be accepted on the basis of the credit amount and a transaction amount, pays a settlement amount to the affiliated store via a processing unit 15 if the settlement is accepted, and the settlement is processed by withdrawing the settlement amount on the due date from the account owned by the user. On each withdrawal, the account balance on a future due date is predicted on the basis of the account information at the time of transaction, a payment ability of the user is actively evaluated, and then the settlement is accepted. Thus, a convenient settlement service can be provided for a user while suppressing a risk of uncollectibility of a transaction amount.SELECTED DRAWING: Figure 2 【課題】利用額の回収不能のリスクを抑えつつユーザに対して利便性の高い決済サービスを提供する。【解決手段】決済装置１１は、ユーザが加盟店と取引きをする度に、取得部１３によりユーザが利用する口座が設けられた金融機関サーバ２３から口座情報を取得し、判断部１４により口座情報に基づいて予め定められた期日における口座残高を予測して与信額を決定し、与信額及び取引金額に基づいて決済を承認するか否かを判断し、決済が承認された場合に、処理部１５により加盟店に決済代金を支払うとともに、ユーザが所有する口座から決済代金を期日に引き落として決済を処理する。取引きの都度、取引時点での口座情報に基づいて将来の期日における口座残高を予測してユーザの支払い能力を能動的に評価し、そして決済を承認することで、取引代金の回収不能のリスクを抑えつつユーザに対して利便性の高い決済サービスを提供することが可能となる。【選択図】図２