JP2018045446A - Settlement system, method and program - Google Patents

Abstract

A payment system using a card that can be used in the field of BtoB is provided. A payment system for processing a prepaid card payment associated with a business transaction performed between a first member store and a second member store is configured to transfer the funds transfer data to the first member store to the first member store. Generated based on one or more authorization messages received from a member store of the first store, and determines whether or not the first member store uses a payment service using a prepaid card that can be used for commercial transactions. When it is determined that the store uses the payment service, the balance of the prepaid card associated with the first member store is updated based on the amount information included in the funds transfer data to the first member store, and the transaction is performed. The first merchant receives first data based on the associated prepaid card payment from the device associated with the second merchant and based on the amount information included in the first data To update the balance of the prepaid card to be associated with. [Selection] Figure 7

Description

  The present invention relates to a payment system, method and program used by a credit card company. More specifically, the present invention relates to a payment system, method, and program using a card that can be used in the field of BtoB.

  Most conventional card payments are for payments between member stores and individual card members. Such a business transaction between a company and an individual may be referred to as “BtoC (Business to Consumer)”. For example, in the case of a credit card, if an individual card member uses card payment when purchasing a product or service at a member store, the member store that has signed a member store contract with the credit card company uses the credit card for the transaction. Send information (authorization data, sales settlement data) to the credit card company.

  Here, authorization data and sales settlement data will be described. As described in Non-Patent Document 1, authorization (also referred to as “authorization”) refers to a process in which a credit card company approves an individual card transaction at a member store for each transaction. The credit card company's system holds information such as repayment status and card usage status of card members, and the authorization checks the card expiration date, security code check, theft / counterfeit card check based on such information. Execute credit limit check. Further, as explained in Non-Patent Document 1, sales settlement (also referred to as “clearing”) is a process for receiving payment (clearing) of a card usage fee at a member store. This means that the usage fee is scrutinized, aggregated, and the details are reported, and a telegram of sales data is sent to the credit card company system. The authorization message and the sales data message can be transmitted separately, or the authorization data and the sales data can be transmitted as a single message. The messages exchanged between the member store terminal and the card company system, including the authorization message and the sales data message, may be collectively referred to as an “authorization message”.

  Upon receiving the transaction information, the credit card company bills the card usage amount to the individual card member after the lapse of a predetermined period and collects it by bank transfer etc., and at the date specified in the member store contract (for example, twice a month) (Any day) comes, liquidation (offset) processing is performed based on the transaction information accumulated so far for each member store, and after deducting a certain fee, the member store transaction specified in the member store contract Transfer money to a bank account. In this way, the member store collects the payment for the transaction with the individual card member by transferring money from the card company.

  Member stores often purchase products from other companies for sale to consumers. Such business transactions between companies are sometimes referred to as “BtoB (Business to Business)”. For example, when a member store conducts a commercial transaction with a wholesale company, the settlement is mainly cash settlement or bank settlement.

  Although card payments in the BtoC field are widely performed, card payments in the BtoB field are rarely performed due to the difficulty of crediting companies. Although there are business cards (credit cards) for corporations, the name of the card is an individual belonging to the corporation, and the price can only be withdrawn from the account of the corporation name, and only a small part of the business transactions are used. (For example, restaurant use).

Edited by Masayuki Yamamoto, “All Payment Service Mechanisms and Rules in Card Payment Business”, Financial and Finance Situation Study Group, May 28, 2012

  In credit screening to allow credit card payments, there are many items subject to screening in the case of companies than in the case of individuals, and the management status of companies may be more likely to fluctuate in a shorter time than the credit status of individuals. Yes, credit screening was very difficult. If the business situation deteriorates in a very short period of time after a company makes a card payment, there is a risk that the card company will not be able to collect the payment. For this reason, card companies have rarely granted companies a card in the name of a company and allow them to make a card payment.

  On the other hand, in the field of BtoB, not only credit cards but also card payments will be accepted, payment methods will be diversified, and the burden of funds on companies will be reduced. It was.

  The present invention has been made to solve such problems, and an object of the present invention is to provide a settlement system, method, and program using a card that can be used in the field of BtoB.

  A payment system for processing a prepaid card payment associated with a business transaction performed between a first member store and a second member store, which is an aspect of the present invention, transfers funds to the first member store. Means for generating data based on one or more authorization messages received from the first member store, and whether the first member store uses a payment service using a prepaid card that can be used for the commercial transaction A means for determining whether or not, and when the first member store determines to use the payment service, the balance of the prepaid card associated with the first member store is transferred to the first member store. And updating the first data based on the prepaid card payment associated with the commercial transaction with the second member store. And means for receiving from a device that, based on the amount information included in the first data, means for updating the balance of the prepaid card associated with the first merchant.

  The method for processing a prepaid card settlement associated with a business transaction performed between a first member store and a second member store, which is an aspect of the present invention, is fund transfer data to the first member store. Is generated based on one or more authorization messages received from the first member store, and whether or not the first member store uses a settlement service using a prepaid card that can be used for the commercial transaction. And determining the balance of the prepaid card associated with the first member store to the first member store when it is determined that the first member store uses the payment service. Updating based on the amount information included in the funds transfer data and the first data based on the prepaid card payment associated with the commercial transaction to the device associated with the second member store Comprising a receiving from the scan, that based on the amount information included in the first data and updates the balance of the prepaid card associated with the first merchant.

  ADVANTAGE OF THE INVENTION According to this invention, it becomes possible to provide the payment system, method, and program using the card | curd which can be utilized in the field of BtoB. Further, according to the present invention, it is possible to provide a settlement system, method and program that suppress the risk of the card company.

A detailed understanding of the embodiments disclosed herein can be obtained from the following description, illustrated with reference to the accompanying drawings.
It is a figure explaining the whole structure containing the card company system which concerns on this invention, member store P terminal, member store C terminal, and a bank system. 1 is a system configuration diagram of a card company system according to the present invention. It is a figure explaining an example of the data item of the clearing information stored in clearing information DB. It is a figure explaining an example of the data item of member store master information stored in a member store master. It is a figure explaining an example of the data item of the card master information stored in a prepaid card master. It is a figure explaining an example of the data item of the history information stored in prepaid card use history DB. It is a figure of the processing flow accompanying the credit card payment performed by the card company system which concerns on this invention. It is a figure of the processing flow accompanying the utilization and charge process of a prepaid card performed by the card company system which concerns on this invention.

  Hereinafter, embodiments of the present invention will be described in detail. In this specification, a prepaid card will be described as an example of a card used in the field of BtoB. A prepaid card is known as one of the settlement means. A prepaid card includes a card that can be used for a predetermined amount, and can charge the amount information by following a predetermined procedure when the available amount decreases. As a type of prepaid card, there is a house prepaid card that can be used only at its own store.

  However, it should be understood that the present invention can be applied to other types of cards without changing the gist of the present invention. In addition, it is assumed that the member store described in this specification has a contract with a credit card company and has a terminal (reader / writer) capable of executing prepaid card payment. . In the merchant contract, the account used by the merchant is determined, and the transfer of funds between the merchant and the credit card company is the transfer of funds from the merchant account to the credit card company account (for example, prepaid card charge amount) Account transfer (account debit) when funds are larger than the usage amount and funds transfer from the credit card company account to the merchant account (for example, an account performed when the prepaid card usage amount is larger than the charge amount) There are two types of transfer.

(overall structure)
FIG. 1 is a diagram illustrating an overall configuration including a card company system 100, a member store P terminal 110, a member store C terminal 120, and a bank system 130 according to the present invention. The card company system 100 is a system for executing payment processing described later in this specification, and is a member store P terminal 110 that is a prepaid (P) card payment terminal and a member store that is a credit (C) card payment terminal. This is a system for connecting to the C terminal 120 and the bank system 130 via a well-known network such as wired or wireless. In this specification, the card company system 100 is described as a system controlled by a financial institution such as a credit card company for convenience of explanation, but the present invention is not limited to this embodiment. It may be controlled by an operating entity other than a financial institution.

  The member store P terminal 110 is a terminal installed in the member store, and is a terminal that can handle payment by a prepaid card by reading information from the prepaid card. The member store C terminal 120 is a terminal installed in the member store, and is a terminal that can handle payment by credit card by reading information from the credit card.

  In this specification, for convenience of explanation, only one member store P terminal 110 and one member store C terminal 120 are shown, but it should be understood that the number of devices increases according to the number of member stores.

  The bank system 130 is a conventional bank system that can execute a known process such as a transfer process. Although only one bank system 130 is shown in FIG. 1, there are as many bank systems 130 as the number of financial institutions.

(System configuration)
FIG. 2 is a system configuration diagram of the card company system 100 according to the present invention. As shown in FIG. 2, the card company system 100 includes a control unit 201, a main storage unit 202, an auxiliary storage unit 203, and an interface (IF) unit 204 that are connected to each other via a bus 220 or the like, like a general computer. And an output unit 205. The card company system 100 can also include an authorization telegram database (DB) 206, a settlement information DB 207, a member store master 208, a prepaid card master 209, and a prepaid card usage history DB 210.

  The control unit 201 is also called a central processing unit (CPU), performs control of each component in the card company system 100 and calculation of data, and stores various programs stored in the auxiliary storage unit 203 into the main storage unit. 202 can be read and executed. The main storage unit 202 is also called a main memory, and can store various received data, computer-executable instructions, data after arithmetic processing by the instructions, and the like. The auxiliary storage unit 203 is a storage device typified by a hard disk (HDD) and is used when data and programs are stored for a long period of time.

  In the embodiment of FIG. 2, an embodiment in which the control unit 201, the main storage unit 202, and the auxiliary storage unit 203 are provided in the same server computer will be described. However, as another embodiment, the card company system 100 includes the control unit 201. Further, by using a plurality of main storage units 202 and auxiliary storage units 203, parallel distributed processing by a plurality of server computers can be realized. As another embodiment, a plurality of servers for the card company system 100 may be installed, and a plurality of servers may share one auxiliary storage unit 203.

  The IF unit 204 serves as an interface for transmitting and receiving data to and from other systems and devices, and provides an interface for receiving various commands and input data (such as various masters and tables) from the system operator. Can do. The output unit 205 can provide a display screen for displaying the processed data, a printing unit for printing the data, and the like.

  The functions similar to those of 201 to 205 can be provided in the member store P terminal 110 and the member store C terminal 120.

  The authorization message DB 206 is a database (DB) that stores an authorization message transmitted from the member store C terminal 120 to the card company system 100. An authorization message is a message generated for a credit card transaction of a cardholder at a member store, and the business categories indicating the contents of the credit card transaction are “pre-authorization (credit)”, “sales”, “cancellation / return”. Including telegrams. The authorization message includes a credit card number, information for identifying a member store (member store ID), amount information, and the like.

  The settlement information DB 207 is a database that stores settlement information for each member store that is generated based on the authorization message stored in the authorization message DB 206. In addition to the card usage amount, the settlement information may include an amount obtained by subtracting a predetermined fee from the card usage amount. The data stored in the clearing information DB 207 can be used when calculating the amount of account transfer to the member store.

  FIG. 3 is a diagram for explaining exemplary data items of the settlement information 300 stored in the settlement information DB 207. The settlement information 300 can include a member store ID 301, date and time information 302, business category 303, card usage amount 304, settlement amount 305, and processing flag 306, but other data items may be included.

  The member store ID 301 is an identifier for identifying each member store, and is an identifier assigned to each member store. The member store ID 301 is the same information as the member store ID 401 of the member store master 208. The date / time information 302 is information indicating the date / time when data was transmitted from the member store C terminal 120 or the date / time when the card company system 100 received data.

  The business category 303 indicates the contents of a credit card transaction, for example, “sales” or “cancellation / return”. The card usage amount 304 indicates the amount paid by the credit card at the member store.

  The settlement amount 305 is calculated based on the card usage amount 304, that is, the amount paid by the credit card at the member store. More specifically, the settlement amount 305 may indicate amount information obtained by subtracting a predetermined fee from the card usage amount 304 transmitted from the member store terminal.

  The processing flag 306 is a flag indicating whether or not the processing flag 306 has been used when generating transfer data for a member store account.

  In the above, the embodiment in which the credit card number associated with each credit card transaction is omitted has been described. However, since the credit card number information is associated with the authorization message DB 206 for each credit card transaction, in another embodiment of the present invention, the information in the authorization message DB 206 is stored in the settlement information DB 207. When generating information, a credit card number can be added to the information.

  Returning to FIG. 2, the member store master 208 is a database that stores information on each member store that has signed a member store contract with a credit card company. FIG. 4 is a diagram for explaining exemplary data items of the member store master information 400 stored in the member store master 208. The member store master information 400 can include a member store ID 401, member store information 402, account information 403, and a service use flag 404, but may include other data items.

  The member store ID 401 is an identifier for identifying each member store, and is an identifier assigned to each member store. The member store information 402 indicates information such as the address of the member store, the company name, information on the closing date negotiated with the credit card company, and the transfer date of the settlement amount. The account information 403 is information on a bank account used by the member store designated in the member store contract with the credit card company. The service use flag 404 is a flag indicating whether or not to use a payment service using a prepaid card that can be used for BtoB payment according to the present invention.

  Returning to FIG. 2, the prepaid card master 209 is a database that stores user information and balance information of a prepaid card used for BtoB settlement by a prepaid card between member stores according to the present invention. FIG. 5 is a diagram for explaining exemplary data items of the card master information 500 stored in the prepaid card master 209. The card master information 500 includes a prepaid card ID 501, a member store ID 502, owner information 503, and balance information 504.

  The prepaid card ID 501 is an identifier for identifying each prepaid card, and is an identifier assigned to each prepaid card. The member store ID 502 is an identifier for identifying the member store that owns the prepaid card, and corresponds to the member store ID 401. The owner information 503 is owner information (corporate name, address, contact information, etc.) of the prepaid card. The balance information 504 is information indicating the current balance amount of the prepaid card.

  Returning to FIG. 2, the prepaid card usage history DB 210 stores data generated when a member store that is a user of the prepaid card uses the prepaid card in the BtoB settlement between the member stores, and the prepaid card. It is a database which stores the data generated when charging. FIG. 6 is a diagram for explaining exemplary data items of the history information 600 stored in the prepaid card usage history DB 210. The history information 600 can include a prepaid card ID 601, a member store ID 602, date and time information 603, business classification 604, money amount information 605, and a processing flag 606, but other data items may be included.

  The prepaid card ID 601 is an identifier for identifying a prepaid card, and is an identifier assigned to each prepaid card. The prepaid card ID 601 is the same information as the prepaid card ID 501 of the card master information 500. The member store ID 602 is an identifier for identifying each member store, and corresponds to the member store ID 401 of the member store master 208. The date / time information 603 is information indicating the date / time when data was transmitted from the member store P terminal 110 or the date / time when the card company system 100 received data.

  The business category 604 indicates the type of menu selected at the member store P terminal 110, for example, “use” or “charge”. The amount information 605 is amount information transmitted from the member store P terminal 110 and indicates an actual usage amount or charge amount. In one embodiment of the present invention, when the prepaid card is “used”, that is, when the payment is made with the prepaid card, the amount information 605 indicates a positive value, while the prepaid card “charge”, that is, the membership. When the cash is given to the store and the balance of the prepaid card is increased, the money amount information 605 can indicate a negative numerical value. The reason why the amount information 605 has a different sign depending on the contents of the business category 604 is that the history information 600 is data-processed at a predetermined timing, and the calculated amount indicates a deposit amount to the member store. . The processing flag 606 indicates whether or not the data has been subjected to the clearing process for the member store described with reference to FIG.

  In the above, the system configuration of the card company system 100 according to the present invention has been described with reference to FIGS. 2 to 6, but the embodiment of the present invention is not limited to this, and other DBs and data items It is also possible to have For example, in this specification, since the system and apparatus used between the credit card company and the member store are described, the description of the mechanism and DB for controlling the card member master information and member information is omitted. However, it is also possible to configure such that these are included in the card company system 100.

  Next, with reference to FIGS. 7 to 8, a processing flow associated with credit card settlement and a processing flow associated with prepaid card use / charge processing executed by the card company system 100 according to the present invention will be described.

<Processing flow associated with credit card payment>
FIG. 7 is a diagram illustrating a processing flow associated with credit card settlement. In S701, when the credit card held by the card member is read by the member store C terminal 120, an authorization message including information for identifying the card is transmitted to the card company system 100, and an authorization process is performed. Authorization refers to a process in which a credit card company approves a card transaction of a customer (card member) at a member store for each transaction. If the transaction is approved as a result of the authorization process, the subsequent process can be executed. If the transaction is denied as a result of the authorization process, the subsequent process is not performed.

  In S <b> 702, the member store C terminal 120 transmits an authorization message including a credit card number, a card usage amount, a member store ID, and the like to the card company system 100 for sales settlement processing. The sales settlement is a process for receiving payment (clearing) of the card usage fee at the member store, and the member store examines and aggregates the card usage fee and reports its details.

  In S703, the card company system 100 stores the received authorization message in the authorization message DB 206. The authorization message may be temporarily stored on the main storage unit 202 and stored in the authorization message DB 206 after the processing of S702 is completed, or as soon as the authorization message is received in S701 and S702. You may store in authorization message DB206.

  In S <b> 704, the card company system 100 reads the authorization message from the authorization message DB 206 at a predetermined timing, generates settlement information for each member store, and stores it in the settlement information DB 207. As shown in FIG. 3, the settlement information 300 stored in the settlement information DB 207 can include amount information after a predetermined fee is subtracted from the card usage amount. The settlement information for each member store is aggregated according to the value of the processing flag 306 when the closing date specified in the member store contract arrives, and transfer data for the member store account is generated. The account information of the member store that is the transfer destination is acquired from the member store master 208, and the account of the credit card company that is the transfer source is selected from candidates that are predetermined according to the financial institution where the member store account exists. Set dynamically.

  In S705, based on the service use flag 404 acquired from the member store master 208, the card company system 100 uses a payment service using a prepaid card that can be used for BtoB payment according to the present invention by each member store. Determine whether or not. If it is determined that the service is used, the process proceeds to S706. On the other hand, if it is determined that the service is not used, the process proceeds to S707.

  In S706, the card company system 100 reads the card master information 500 using the member store ID 301 of the clearing information 300 as a key, and the value of the read balance information 504 is included in the transfer data generated in S704 ( Update using the information of (transfer amount). For example, when the value of the read balance information 504 is 300,000 yen and the amount included in the transfer data is 150,000 yen, the value of the updated balance information 504 is 450,000 yen. Thereafter, the card company system 100 can discard the transfer data used for the balance update.

  In S707, the card company system 100 performs the transfer process for the member store account by transmitting the transfer data generated in S704 to the bank system 130.

  As another embodiment of the present invention, the clearing information DB 207 may be configured to store only data that has not been subjected to the processing of FIG. In this case, when this processing flow is performed successfully, the data to be processed is moved to the backup database.

<Processing flow associated with prepaid card use / charge processing>
FIG. 8 is a diagram illustrating a processing flow associated with a prepaid card use / charge process. This flow enables BtoB settlement using a prepaid card between member stores.

  In S801, member store P terminal 110 transmits data including prepaid card ID, member store ID, date and time information, business classification (use or charge), use amount, etc. to card company system 100. For the date and time information, the date and time information held by the member store P terminal 110 can be used, and the business division is selected when the member store P terminal 110 is operated. The usage amount is a positive value when the business category is “use”, and is a negative value when the business category is “charge”. “Charge” means a transaction in which cash enters a member store. If there is no other credit card sales data or prepaid card usage data at the later settlement of the member store and the credit card company, the member store must give the charge amount to the credit card company. Therefore, the charge amount information stored in the clearing information DB 207 used for the clearing process between the member store and the credit card company is negative amount information.

  In another embodiment of the present invention, the charge amount information stored in the settlement information DB 207 can be a positive numerical value. In such a case, when adding up the amount 605 in S803, referring to the business category 604, it is identified that the data has been charged to the prepaid card, and the data is converted to a negative value. Or the data can be subtracted.

  In S802, card company system 100 makes an inquiry to prepaid card master 209 based on the prepaid card ID of the received data, and reads card master information 500 of the prepaid card. The card company system 100 updates the value of the balance information 504 of the read card master information 500 by subtracting the value of the usage amount of the received data when the business category is “use”, and the business category is “charge” "Is updated by adding the value of the usage amount of the received data. The updated value is stored in the balance information 504.

  Further, the card company system 100 stores history information 600 including the prepaid card ID, member store ID, date / time information, business category, and money amount information of the received data in the prepaid card usage history DB 210. The processing flag 606 of the stored history information 600 is a value indicating unprocessed.

  In one embodiment of the present invention, if the data associated with the prepaid card ID does not exist in the prepaid card master 209, an error message is transmitted to the member store P terminal 110 and no subsequent processing is performed. On the other hand, after the process is successfully completed, the member store P terminal 110 is transmitted to the member store P terminal 110 with a message indicating that the process has been successfully completed, usage amount information, and new balance information. You may make it do.

  In S803, the card company system 100 makes an inquiry to the prepaid card usage history DB 210 at a predetermined timing, and extracts data indicating that the value of the processing flag 606 is unprocessed. The card company system 100 adds the amount 605 for each member store from the extracted data. The card company system 100 accesses the member store master 208 to read the account information 403 of each member store, uses the predetermined account information of the credit card company as a transfer source, and uses the read account information 403 of the member store as a transfer destination. Transfer data is generated using the combined amount as the transfer amount. Thereafter, the card company system 100 executes this processing flow and changes the processing flag 606 of the data from which the transfer data is generated to “processed”.

  In S804, the card company system 100 can perform the transfer process by transmitting the transfer data generated in S803 to the bank system 130. In one embodiment of the present invention, an account of a credit card company as a transfer source can be dynamically selected in accordance with a financial institution of a member store account, and the bank system 130 as a transmission destination is also included in the selection result. It can be selected dynamically accordingly.

  According to the processing flow as described above, merchandise can be purchased with a prepaid card between merchants, and the merchant that has sold the merchandise has funds at a site shorter than the conventional cash settlement collection site. It can be recovered.

  Although the principle of the present invention has been described above with reference to exemplary embodiments, those skilled in the art will appreciate that various embodiments that change in configuration and details can be realized without departing from the spirit of the present invention. Will understand. That is, the present invention can adopt an embodiment as, for example, a system, apparatus, method, program, or storage medium.

100 card company system 110 member store P terminal 120 member store C terminal 130 bank system 201 control unit 202 main storage unit 203 auxiliary storage unit 204 interface (IF) unit 205 output unit 206 authorization telegram DB
207 Clearing Information DB
208 Merchant Master 209 Prepaid Card Master 210 Prepaid Card Usage History DB

Claims (9)

A payment system for processing a prepaid card payment associated with a business transaction conducted between a first member store and a second member store,
Means for generating funds transfer data to the first member store based on one or more authorization messages received from the first member store;
Means for determining whether or not the first member store uses a payment service using a prepaid card that can be used for the commercial transaction;
When it is determined that the first member store uses the payment service, the balance of the prepaid card associated with the first member store is included in the money transfer data to the first member store. Means for updating based on information;
Means for receiving first data based on a prepaid card payment associated with the commercial transaction from a device associated with the second merchant;
A payment system comprising: means for updating a balance of the prepaid card associated with the first member store based on money amount information included in the first data. Means for storing the first data as history information;
Means for generating funds transfer data to the second member store based on the first data associated with the second member store included in the stored history information. 1 payment system.   The payment system according to claim 2, further comprising means for transmitting the generated funds transfer data to the second member store to a system of a financial institution associated with the second member store.   4. The settlement system according to claim 3, wherein a transfer source account included in the generated funds transfer data to the second member store varies depending on a financial institution associated with the second member store.   The payment system according to claim 1, wherein the one or more authorization messages received from the first member store are authorization messages generated based on a credit card payment generated at the first member store.   The settlement system according to claim 1, wherein the first member store and the second member store are corporations that have signed a member store contract with a credit card company. A method of processing a prepaid card payment associated with a business transaction between a first merchant and a second merchant,
Generating funds transfer data to the first member store based on one or more authorization messages received from the first member store;
Determining whether the first member store uses a payment service using a prepaid card that can be used for the commercial transaction;
When it is determined that the first member store uses the payment service, the balance of the prepaid card associated with the first member store is included in the money transfer data to the first member store. Updating based on information,
Receiving first data based on a prepaid card payment associated with the commercial transaction from a device associated with the second merchant;
Updating a balance of the prepaid card associated with the first member store based on money amount information included in the first data. Storing the first data as history information;
The fund transfer data to the second member store is further generated based on the first data associated with the second member store included in the stored history information. the method of.   A program for causing a computer to execute the method according to claim 7 or 8.

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