JP2020144596A - Cashless split account method, program, and computer - Google Patents

Abstract

To provide a split account method that causes only a secretary to install a split account application and charge other participants for split account bills, and requires the other participants no installation.SOLUTION: A secretary accesses a split account application via a secretary terminal 101 and inputs split account data. A split account processing unit 120 of a split account service server 100 creates, based on the split account data, a split account code and transmits it to the secretary terminal. Each participant can access, by transmitting payment data via a participant terminal 102, a corresponding card company server 104 and pay split account bills.SELECTED DRAWING: Figure 3

Description

The present invention relates to cashless split billing methods, programs, and computers.

Traditionally, most of the split billing activities such as food and drink charges and gift expenses have been carried out by giving and receiving cash between the organizer and the participants. However, there are inconveniences such as not being able to prepare cash when splitting the bill and the burden of collecting the secretary is heavy, and there are many needs for splitting the bill with something other than cash. On the other hand, the secretary often reimburses the price, and if the reimbursement is done with a credit card, the secretary will monopolize the points due to the use of the credit card, which creates a feeling of unfairness with the participants. In response to such needs and problems, split billing application services such as LINE (registered trademark) Pay have recently appeared. The split bill application service installs the split bill app on the smartphones owned by the secretary and participants, and uses the remittance function on the split bill app to give and receive unique virtual currency (for example, LINE points) to split the bill.

However, in order to use such a split billing application service, not only the secretary but all the participants need to install the split billing application on their smartphones. In addition, the virtual currency unique to each service is exchanged, and payment by credit card is not possible.

The present invention has been made in view of such a problem, and an object of the present invention is to install a split billing application only for the secretary using a computing system and charge the participants for the split bill. The split bill is paid in the same procedure as the credit card payment (that is, no installation of the split bill application is required), and the secretary's payment amount is adjusted (split bill) when the secretary's credit card is settled.

One aspect of the present invention is a method in which a computer splits the bill in a cashless manner.
A step in which the computer receives split bill data from a secretary terminal used by the secretary, and the split bill data includes at least the split bill of the participants.
A step in which the computer receives payment data for the split bill from a participant terminal used by the participant.
The computer is a step of creating payment data based on the payment data, and the payment data includes data related to the billing of the split bill from the dummy member store to the participant and the secretary from the dummy member store. Steps, including data on the negative billing equivalent of the split bill to
It is characterized by including a step of transmitting the created payment data to a computer of a credit card company.

Further, the method further includes a step of determining the validity of the credit card registered by the participant in order to pay the split bill, and the step of creating the payment data determines the validity. It is characterized in that it is executed when it is determined in the step that the registered credit card is valid.

Further, the method further includes a step in which the computer creates a split bill code based on the split bill data, and the split bill code includes a URL of a payment website for making a payment for the split bill price. The transmission of the payment data from the participant terminal to the computer is performed via the payment website.

Further, the method includes a step in which the computer creates an e-mail or a message to the participant terminal based on the split bill data.
The computer further includes a step of sending the created mail or message to the participant terminal, and the mail or message to the participant terminal is the URL of a payment website for paying the split bill. The payment data is transmitted from the participant terminal to the computer via the payment website.

Another aspect of the present invention is a computer program for causing a computer to execute the method.

Yet another aspect of the present invention is a computer that splits the bill in a cashless manner.
The split bill data is received from the secretary terminal used by the secretary, and the split bill data includes at least the split bill price of the participants.
Receive payment data for the split bill from the participant terminal used by the participant,
Payment data is created based on the payment data, and the payment data is the data related to the billing of the split bill from the dummy member store to the participant and the amount equivalent to the split bill from the dummy member store to the secretary. Including data on negative billing
It is characterized in that it is configured to transmit the created payment data to the computer of the credit card company.

According to the present invention, using a computing system, only the secretary installs the split bill application and charges the participant for the split bill, and the participant pays the split bill in the same procedure as the conventional credit card payment. It is to adjust (split the bill) the payment amount of the secretary at the time of credit card payment.

It is a figure which shows the whole structure of the system which concerns on one Embodiment of this invention. It is a figure which shows the configuration example of the split billing service server which concerns on one Embodiment of this invention. It is a flowchart which shows the splitting process which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the split bill data storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the payment data storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the settlement data storage part which concerns on one Embodiment of this invention. It is a figure which shows the card use details of the secretary which concerns on one Embodiment of this invention.

Hereinafter, the system according to the embodiment of the present invention will be described in detail with reference to the attached drawings. FIG. 1 is a diagram showing an overall configuration of a system according to an embodiment of the present invention. In FIG. 1, the split billing service server 100 includes a secretary terminal 101, participant terminals 102a to c (hereinafter collectively referred to as “participant terminal 102”), and a card company server 104 via a network 110 (for example, the Internet). It is configured to communicate with. Further, the store terminal 103 is also configured to communicate with the card company server 104 via the network 110. Although the split billing service server 100 is represented as one server computer in FIG. 1, it can also be constructed as a distributed computing system using a plurality of server computers.

The split bill service server 100 is the main server computer in the present invention, and is managed by an operating company or the like that provides the split bill service. The split bill service server 100 may be a cloud computer provided by a company other than the company that operates the split bill service. The function of the split bill service server 100 will be described later.

The secretary terminal 101 and the participant terminal 102 are terminals (for example, smartphones) used by the secretary and the participants, respectively, and include a CPU, a memory, an input / output device, and a display device (display). A split bill application provided by a split bill service server 100 or the like is installed on the secretary terminal 101 in order to use the split bill service. The secretary accesses the split bill application via the secretary terminal 101 and registers as a user in advance. In addition, when a split bill occurs, the secretary registers a split bill event for billing each participant for the split bill price via the secretary terminal 101. Each participant accesses the payment website via each participant terminal 102 and pays the split bill by credit card.

The store terminal 103 is, for example, a POS (point of sale) cash register, and includes a CPU, a memory, an input / output device, and a display device. The store terminal 103 includes a card reader for reading a credit card, a code reader for code payment, and peripheral devices such as a receipt printer. The clerk makes a credit card payment for the secretary's payment via the store terminal 103.

The credit card company server 104 is a server computer managed by a credit card company. The card company server 104 executes the payment process based on the payment data received from the split bill service server 100 and the store terminal 103. In FIG. 1, the card company server 104 is represented as one server computer, but in reality, there is a server computer for each card company.

Next, the configuration of the split billing service server 100 in FIG. 1 will be described in detail. FIG. 2 is a diagram showing the configuration of the split billing service server 100. In FIG. 2, the splitting service server 100 includes a CPU 110, a RAM 111, an input device 112, an output device 113, a communication control device 114, and a storage device 116, which are connected to each other via a system bus 115. The storage device 116 is composed of a non-volatile storage medium (ROM, HDD, etc.), and has a program storage area for storing software programs related to the processing of the present invention and a data storage area for storing data handled by the software program. Be prepared. Each processing unit 120 to 122 of the program storage area is realized by an independent software program, its routine, a component, and the like, and is stored in the storage device 116. Each of the processing units 120 to 122 is called from the storage device 116 by the CPU 110 at the time of executing the program and expanded in the work area of the RAM 111 to realize each function while appropriately accessing the database such as the storage units 130 to 132.

In FIG. 2, the split bill processing unit 120, the payment processing unit 121, and the settlement processing unit 122 are shown as the processing units 120 to 122. The functions of these processing units 120 to 122 will be described later.

The data storage area in the storage device 116 of FIG. 2 includes a split bill data storage unit 130, a payment data storage unit 131, and a payment data storage unit 132.

Next, the data (FIGS. 4 to 6) stored in the storage units 130 to 132 of the storage device 116 will be described. FIG. 4 is a diagram showing split bill data d400. The split bill data d400 is data related to split bills between the secretary and the participants, and is stored in the split bill data storage unit 130.

The split bill data d400 includes an "event ID" d401 that uniquely indicates a split bill event (this data), a "secretary ID" d402 that uniquely indicates a secretary, and a "total amount" d403 that indicates the total amount of split bills to be split. "Number of people to split the bill" d404 indicating the number of people to split the bill, "Dutch price" d405 indicating the split bill per person at the time of splitting, "Date of occurrence" d406 indicating the date when the split bill occurred, "Payment" indicating the payment deadline "Deadline" d407, "Title" d408 and "Memo" d409 showing the title and memo of the message to be notified to the participants, respectively, "Number of people paid" d410 showing the number of people who have paid the split bill, and the payment website. The "payment URL" d411 and the like indicating the URL of the bill can be stored. The details will be described below.

The split bill data d400 is transaction data created by the secretary via the split bill application when a split bill occurs. The "event ID" d401 may be a sequence number assigned at the time of record creation. In the split bill data d400, the split bill price is uniformly shown as "4000 yen", but in another embodiment, it can be changed individually. More specifically, for example, "group code" d412 indicating a group by split bill (the code contents are 1: general employee (male), 2: general employee (female), 3: manager, etc.) Is newly provided as a data item. The secretary inputs the number of people in each group and the split bill on the split bill app. The entered number of people in each group and the split bill are stored in the "number of split bills" d404 and the "split bill" d405 of a plurality of records for each group, respectively. Alternatively, data items of "splitting number" d404 and "splitting price" d405 may be provided for the number of groups and managed in one record.

Next, the payment data d500 will be described. FIG. 5 is a diagram showing payment data d500. The payment data d500 is payment data for each participant's split bill and is stored in the payment data storage unit 131.

The payment data d500 includes a "card number" d501 that uniquely indicates the credit card used for payment of the split payment, a "card name" d502 that indicates the name of the customer who has contracted with the credit card company, and the expiration date of the credit card. The "expiration date" d503 and "expiration month" d504 indicating the above, the "security code" d505 indicating the credit card security code, and the "event ID" d506 uniquely indicating the related split event can be stored. it can. The details will be described below.

The payment data d500 is transaction data created by each participant via the payment website. The payment data d500 shows data for one participant. By storing the same data as the "event ID" d401 in the "event ID" d506, the payment data d500 can be associated with the split bill data d400. As described above, when the split bill is changed individually, a new "group code" d506 corresponding to the "group code" d412 is newly provided in the payment data d500, and the payment amount of each participant (split bill). ) To be understood. Alternatively, the payment amount itself may be included in the payment data d500.

Next, the settlement data d600 will be described. FIG. 6 is a diagram showing payment data d600. The settlement data d600 is settlement data for the credit card payment of the split bill, and is stored in the settlement data storage unit 132.

The payment data d600 includes a "use card number" d601 that uniquely indicates the credit card used for payment of the split payment, a "card name" d602 that indicates the name of the credit card, and a "card name" d602 that indicates the expiration date of the credit card. Expiration year "d603 and" Expiration month "d604," Security code "d605 indicating the credit card security code," Merchant ID "d606 uniquely indicating the payment destination detailed below, Date using the credit card The "usage date" d607 indicating the above, and the "usage amount" d608 indicating the amount of money used by the credit card can be stored. The details will be described below.

The settlement data d600 is transaction data created by the split billing service server 100 when the participant pays the split bill by credit card. The payment data d600 also shows data for one participant. In the present invention, the payee of the split bill is passed through the dummy member store, the dummy member store charges the participants for the split bill, and the secretary is billed negatively for the amount equivalent to the split bill. Negative charges to the organizer are added to the payment charges to the organizer (for example, payment to the store) when the credit card company processes the payment. As a result, the amount equivalent to the split bill is subtracted from the normal bill to the secretary, and the split bill is performed. The first record of the settlement data d600 is data related to the request for the split bill to the participant "Patent Taro". The second record of the settlement data d600 is data related to negative billing (payment) of the amount equivalent to the split bill to the secretary "secretary Jiro". For the settlement data d600, assuming that the split bill of the participant "Patent Taro" is "4000 yen", the usage amount d608 of the first record is set to "4000" ("Patent Taro" is charged 4000 yen). In the second record, it is set to "-4000" (charge of -4000 yen to "secretary Jiro", that is, payment of 4000 yen).

Next, the splitting process of the present invention will be described with reference to the flowchart of FIG. 3 and the data of FIGS. 4 to 6. This process starts with the secretary accessing the split bill application via the secretary terminal 101 and registering the split bill event by inputting the split bill data d400, and after billing the participants and paying from the participants, It is for credit card payment.

First, the secretary accesses the split bill application via the secretary terminal 101 and inputs the split bill data d400 (step 300). The split bill data d400 may be input after the secretary has paid the price to the store or the like, or may be input in advance. In the former case, the secretary pays the price via the secretary terminal 101, and the split bill data d400 can be input based on the data related to the payment (for example, the payment price is set to the "total amount" d403 by default. Enter etc.). As a result, it is possible to request each participant for the split bill while ensuring that the secretary has paid (reimbursed) the amount equivalent to the "total amount" d403. Further, the split bill data d400 can be input by uniformly inputting the split bill price, or can be individually changed as described above. The split bill data d400 input in step 300 is transmitted to the split bill service server 100 by the secretary terminal 101 (step 301).

Next, when the split bill processing unit 120 of the split bill service server 100 receives the split bill data d400 transmitted from the secretary terminal 101 (step 302), it stores the split bill data storage unit 130 (step 303).

Next, the split bill processing unit 120 creates a split bill code based on the split bill data d400 (step 304). The split bill code is, for example, a QR code (registered trademark) including the contents of the split bill data d400. By reading the split bill code via the participant terminal 102, each participant can access the corresponding payment website and pay the split bill price. The split bill code created in step 304 is transmitted to the secretary terminal 101 by the split bill processing unit 120 (step 305).

Next, each participant accesses the payment website by reading the split bill display displayed on the secretary terminal 101 (for example, reading the QR code with the camera of the participant terminal 102) via the participant terminal 102. Then, the payment data d500 is transmitted to the split bill service server 100 in order to pay the split bill price (step 306). More specifically, a credit card for paying the split bill is registered on a secure payment website. The registered credit card data is transmitted to the split bill service server 100 by the participant terminal 102 as payment data d500 together with the corresponding "event ID" d401. It is also possible to directly send an e-mail or a message including the URL of the payment website from the split bill processing unit 120 to the e-mail address of the participant without using the split bill code. In this case, the secretary inputs the e-mail address of the destination and the like at the time of inputting the split bill data d400 (step 300).

Next, when the payment processing unit 121 of the split billing service server 100 receives the payment data d500 transmitted from the participant terminal 102 (step 307), it stores it in the payment data storage unit 131 (step 308).

Next, the payment processing unit 121 determines whether or not the credit card registered for paying the split bill is valid based on the received payment data d500 (step 309). Determining the validity of a credit card is a common authority. If it is determined in step 309 that the credit card cannot be used (invalid) due to an expiration date or the like, the process proceeds to the No route, and the payment processing unit 121 sends an error notification to that effect to the participant terminal 102. (Step 310). In this case, the participant can start over from step 306 by registering another credit card via the participant terminal 102.

On the other hand, if it is determined in step 309 that the credit card is valid, the process proceeds to the Yes route, and the payment processing unit 121 updates the split bill data d400 (step 311). More specifically, the "paid number of people" d410 is counted up, and the "card name" d502 is retained as the paid person data (not shown). As a result, the secretary can confirm the payment status from the split bill application via the secretary terminal 101.

Next, the payment processing unit 122 of the split bill service server 100 creates payment data d600 based on the split bill data d400 and payment data d500 (step 312), and stores it in the payment data storage unit 132 (step 313). Regarding the creation of the settlement data d600, as described above, for the payment of one participant, two records are generated, one for the charge to the participant and the other for the negative charge (payment) to the secretary. The created payment data d600 is transmitted to the card company server 104 by the payment processing unit 122 (step 314). At this time, the credit card company can be specified by the first 6 digits of the "used card number" d601, which is the credit card number, and the payment data d600 can be transmitted to the card company server 104 of the appropriate credit card company.

After step 314, this process ends, after which the card company server 104 executes the credit card payment process based on the payment data d600. For each participant, payment is simply made for the payment of the split bill. On the other hand, as shown in FIG. 7, the secretary is settled for the payment to the store and the payment from each participant. FIG. 7 is a diagram showing a card usage statement d700 of a secretary according to an embodiment of the present invention. The secretary's card usage statement d700 indicates that the credit card was used for payment to the store (32,000 yen) and collection of the split bill for each participant (-4000 yen each). When collecting the split bill for each participant, a negative charge equivalent to the split bill is made. As a result, the amount equivalent to the split bill is subtracted from the amount normally billed, and payment to the organizer is substantially made. In the example of FIG. 7, a charge of 16000 yen (32000 yen-4000 yen × 4) will be made to the secretary. The payment of each participant is not necessarily made within the same month as the payment to the organizer's store. Therefore, as shown in FIG. 7, there may be cases where the negative charges for the payments of all the participants do not appear in the usage statement of the secretary's payment to the store and the closing of the same month. In this case, a negative charge for the participant's payment will be made on the usage statement after the end of the following month. In addition, points can be adjusted by using a credit card. For example, in the example of FIG. 7, points for 16000 yen are given, but points paid by each participant from the next month onward can be deducted from the current holding points.

Based on the above, according to the present invention, the organizer only installs the split bill application and charges the participants for the split bill using the computing system, and the participant pays the split bill in the same procedure as the conventional credit card payment. , You can adjust (split the bill) the secretary's payment amount at the time of the secretary's credit card payment.

Claims (6)

It ’s a cashless way for the computer to split the bill.
A step in which the computer receives split bill data from a secretary terminal used by the secretary, and the split bill data includes at least the split bill of the participants.
A step in which the computer receives payment data for the split bill from a participant terminal used by the participant.
The computer is a step of creating payment data based on the payment data, and the payment data includes data related to the billing of the split bill from the dummy member store to the participant and the secretary from the dummy member store. Steps, including data on the negative billing equivalent of the split bill to
A method comprising the steps of transmitting the created payment data to a computer of a credit card company. The step of creating the payment data further includes a step of determining the validity of the credit card registered by the participant in order to pay the split bill, and the step of creating the payment data is said to be registered in the step of determining the validity. The method according to claim 1, wherein the credit card is executed when it is determined that the credit card is valid. The computer further includes a step of creating a split bill code based on the split bill data, and the split bill code includes a URL of a payment website for making payment for the split bill price, and the participant terminal describes the above. The method according to claim 1 or 2, wherein the transmission of the payment data to the computer is performed via the payment website. A step in which the computer creates an email or a message to the participant terminal based on the split bill data.
The computer further includes a step of sending the created e-mail or message to the participant terminal, and the e-mail or message to the participant terminal is the URL of a payment website for making payment for the split price. The method according to claim 1 or 2, wherein the transmission of the payment data from the participant terminal to the computer is performed via the payment website. A computer program for causing a computer to execute the method according to any one of claims 1 to 4. A computer that splits the bill without cash
The split bill data is received from the secretary terminal used by the secretary, and the split bill data includes at least the split bill price of the participants.
Receive payment data for the split bill from the participant terminal used by the participant,
Payment data is created based on the payment data, and the payment data is the data related to the billing of the split bill from the dummy member store to the participant and the amount equivalent to the split bill from the dummy member store to the secretary. Including data on negative billing
A computer characterized in that it is configured to send the created payment data to a computer of a credit card company.

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