JP6074789B2 - Payment processing system, method, and computer program - Google Patents

Description

  The present invention relates to a technique for performing payment based on card information of a credit card registered in advance.

Conventionally, credit cards have been widely used for purchasing goods and services in retail stores such as supermarkets and department stores. Particularly in recent years, various cards are provided with a credit function, and customers have many credit cards.
However, even if you have many credit cards, the credit card that is actually used as the main card may have been decided for reasons such as efficiently storing the points given for the use of the credit card. Many.

  On the other hand, when using a credit card in a store, the credit card is deposited with the store staff, but in order for customers to use the credit card with peace of mind, including measures against skimming by the store staff, It is desirable that sufficient consideration is given.

  In this regard, Patent Document 1 proposes a system in which a predetermined settlement method is registered in advance and settlement can be performed according to the settlement method. In this system, when the customer ID is taken into the POS from the customer's transponder, the host computer that has received the customer ID checks the payment method registered in advance and requests the payment processing center to make a payment using the payment method. To do. This eliminates the risk of the customer's credit card number and the like being grasped by an employee of the retail store, and improves the convenience of the member customer by enabling settlement by a predetermined settlement method.

  Patent Document 2 proposes a system in which payment is made by an ID link payment card that records an ID associated with a credit card number of a credit card owned by a user. In this system, when an ID is obtained from an ID link payment card by a card reader, the ID is converted into a credit card number by the ID conversion center system, and then the credit card number is transferred from the ID conversion center system to the credit card payment processing system. Send to execute the payment process. In this way, users who are eligible for preferential treatment by using an ID link payment card can be provided by associating an ID with a credit card originally owned by the user without issuing a special certificate or house card itself to the user. Are identified and given preferential treatment so that customers can be enclosed.

Japanese Patent No. 4861604 JP 2006-23843 A

  Each of the systems described in Patent Literatures 1 and 2 performs settlement using credit card information associated with predetermined identification information in advance, and is determined by an ID conversion server (the host computer or the ID conversion center system). The identification information is converted into credit card information, and the credit card information is transmitted to a payment server (the payment processing center or the credit card payment processing system).

  Thus, when the ID conversion server has a system configuration that handles both the conversion of ID and credit card information and the credit inquiry to the payment server, an ID conversion server is prepared for each member store that has the same transaction conditions for payment. There must be. In other words, transaction conditions related to payment differ for each member store, and the specification of the payment server may differ for each member store. Therefore, an ID conversion server that handles credit inquiry must be prepared for each member store. become.

Such a system configuration is good when the above ID / card information conversion system is used only at a single member store, but the ID / card information conversion system is used at a plurality of member stores having different transaction conditions regarding settlement. In order to make it available, an ID conversion server must be installed for each member store, and the burden of capital investment is large.
In addition, when installing an ID conversion server for each member store, in order to enable a customer to use the ID / card information conversion system at a plurality of member stores that provide services using the ID / card information conversion system. For each ID conversion server installed at each member store, the customer's ID and credit card information must be registered, and the ID has no expandability.

  Therefore, the present invention is a system for executing a settlement process using identification information pre-associated with customer credit card information, and can be used at a plurality of member stores having different transaction conditions by providing the identification information with extensibility. To provide a secure system.

  In order to achieve the above object, a settlement processing system according to one aspect of the present invention is installed in a credit information management device for granting credit for a transaction by a credit card and a store of a member store and stored in an IC tag. A store terminal to which a reader for reading information is connected and a customer information management device that manages customer credit card information are configured to be able to communicate with each other via a network, and a customer stored in an IC tag can be uniquely identified A system for paying a consideration for a product or service provided to a customer based on customer identification information, wherein the store terminal presents the IC tag from the customer together with the customer identification information stored in the IC tag. When a payment processing request for the value of goods or services provided to the customer using a credit card registered in association is accepted, The information reading means for reading the customer identification information from the IC tag, and the customer information management device together with the request for acquiring the card information of the credit card corresponding to the customer identification information is transmitted to the customer information management device. To the customer identification information transmitting means, the card information receiving means for receiving the credit card information corresponding to the customer identification information from the customer information management apparatus, and the credit information management apparatus. Credit reference request transmission means for transmitting the credit card transaction credit reference request together with the credit card information, the credit request information related to the content requesting the credit, and the store member store identification information, and the credit information management device , Judgment of credit for transaction with credit card specified by the above card information When the credit for the transaction by the credit card is approved as a result of the credit inquiry as a result of the credit inquiry, the settlement of the settlement amount related to the consideration of the goods or services provided to the customer is executed. The customer information management device includes a customer information storage means for storing the card information and the customer identification information in association with each other, and a credit card corresponding to the customer identification information from the store terminal. A customer identification information receiving means for receiving the customer identification information together with an acquisition request for the card information; a card information extracting means for extracting the card information associated with the customer identification information with reference to the customer information storage means; Card information transmission means for transmitting the extracted card information to the store terminal, and the credit information management device includes the credit card. Credit information storage means for storing credit card credit information, transaction information storage means for storing, in association with each member store identification information, transaction condition information relating to the conditions of settlement contents allowed for the member store, Credit inquiry request receiving means for receiving the card information, the credit request information, and the member store identification information together with the credit inquiry request for the transaction by the credit card specified by the card information from the store terminal, and the credit information storage Means for determining whether or not credit is permitted for the transaction by the credit card based on the card information, the credit request information, and the member store identification information, and the store. Send a decision result to the terminal to send a decision result on whether or not the credit card transaction is acceptable And having a stage, a.

  In the store terminal, the customer identification information transmission means sends the customer information management device a request for acquiring card information of a credit card corresponding to the customer identification information, and the customer identification information and the member store identification information. The customer information management device, for the use of the credit card based on the customer identification information, for each customer identification information, the presence or absence of approval of the use of the credit card corresponding to the customer identification information in the member store Based on the customer identification information and the member store identification information received together with the acquisition request of the card information of the credit card corresponding to the customer identification information from the store terminal, the approval information storage means The customer related to the customer identification information refers to the customer identification information in the member store related to the member store identification information. Approval presence / absence determination means for determining whether or not the use of the credit card based on the credit card is approved, and the customer identification information receiving means receives the credit card corresponding to the customer identification information from the store terminal. The customer identification information and the member store identification information are received together with the card information acquisition request. As a result of the determination by the approval presence / absence determination unit, the customer according to the customer identification information indicates that the customer related to the customer identification information When it is determined that the use of the credit card based on the customer identification information is approved at the member store related to the information, the customer information storage means is referred to and stored in association with the customer identification information. The card information may be extracted.

  The reader activates a wireless function each time the customer identification information is read by the information reading means, and receives and transmits radio waves for reading the customer identification information stored in the IC tag. The identification information may be read.

  The IC tag may be attached to a key holder.

  The IC tag may be built in a mobile terminal used by the customer.

  Further, the settlement processing method according to another aspect of the present invention provides a credit information storage means for storing credit information of a customer's credit card, and permits the member store for each member store identification information for identifying the member store. Transaction information storage means for associating and storing transaction condition information relating to the conditions of payment details to be performed, a credit information management device for giving credit approval for transactions by credit card, and installed in the store of the member store, A store terminal to which a reader for reading information stored in the IC tag is connected, a customer information storage that stores the credit card information and the customer identification information that can uniquely identify the customer stored in the IC tag in association with each other. And a customer information management device that manages customer credit card information in a system configured to be communicable via a network. In this method, the consideration of the goods or services provided to the customer is settled by the customer identification information stored in the IC tag, and the store terminal receives the IC tag from the customer and presents the IC tag. When receiving a payment processing request for the price of goods or services provided to the customer by a credit card registered in association with the customer identification information stored in the tag, the reader reads the IC tag from the IC tag. From the process of reading the customer identification information, the process of transmitting the customer identification information together with the acquisition request of the card information of the credit card corresponding to the customer identification information to the customer information management apparatus, and the customer information management apparatus, A process of receiving card information of a credit card corresponding to the customer identification information; A process for transmitting the credit card transaction, the credit request information related to the content requesting credit, and the member store identification information of the store, together with the credit inquiry request for the transaction with the credit card specified by the credit card, Provided to the customer when the credit card transaction specified by the card information is received and the credit inquiry for the credit card transaction is approved as a result of the credit inquiry. The settlement of the settlement amount related to the consideration of the goods or services to be executed, and the customer information management device together with the acquisition request for the card information of the credit card corresponding to the customer identification information from the store terminal The process of receiving the customer identification information and the customer information storage means are referred to and associated with the customer identification information. The credit information management device is specified by the card information from the store terminal, and executes the process of extracting the extracted card information and the process of transmitting the extracted card information to the store terminal. A process for receiving the credit card transaction credit inquiry request together with the credit card information, the credit request information, and the member store identification information, the credit information storage means and the transaction information storage means, Based on the information, the credit request information, and the member store identification information, a process for determining whether or not credit for the transaction by the credit card and a determination result of whether or not credit for the transaction by the credit card are made to the store terminal And a process of transmitting.

  A computer program according to still another aspect of the present invention provides a credit information storage means for storing credit information of a customer's credit card and a member store identification information for identifying the member store for the member store. A transaction information storage means for associating and storing transaction condition information relating to conditions of permitted settlement contents, and installed in a store of the member store, a credit information management device for granting credit for a transaction by a credit card , A store terminal connected to a reader for reading information stored in the IC tag, and customer information that stores the credit card information and the customer identification information that can uniquely identify the customer stored in the IC tag in association with each other And a customer information management device that manages the credit card information of the customer and can communicate via the network. A program for causing the system formed to function as a payment processing system that settles the consideration for goods or services provided to a customer based on customer identification information stored in the IC tag, The customer received a request for payment processing for the goods or services provided to the customer by the credit card registered in association with the customer identification information stored in the IC tag along with the presentation of the IC tag. At the same time, the customer identification information together with the process of reading the customer identification information from the IC tag by the reader and the acquisition request of the card information of the credit card corresponding to the customer identification information to the customer information management device And the credit card information corresponding to the customer identification information from the customer information management device. And the credit information management device together with the credit inquiry request for the transaction by the credit card specified by the card information, the credit request information relating to the content requesting the credit, and the store's credit request information A process of transmitting member store identification information, a process of receiving from the credit information management device a result of determining whether credit is permitted for a transaction specified by the card information, a result of the credit inquiry, the credit card When the credit for the transaction is approved, the settlement of the settlement amount related to the consideration of the goods or services provided to the customer, and the card information and the settlement are made to the customer information management device. Processing for transmitting the settlement amount information received, and the customer information management device from the store terminal to the customer information management device. A process of receiving the customer identification information together with a request for obtaining card information of a credit card corresponding to the customer identification information, and a process of extracting card information associated with the customer identification information with reference to the customer information storage means And the process of transmitting the extracted card information to the store terminal, and the credit information management device from the store terminal to credit the transaction by the credit card specified by the card information A process for receiving the card information, the credit request information, and the member store identification information together with the inquiry request, the credit information storage means and the transaction information storage means, and the card information, the credit request information. , And based on the member store identification information, a process for judging whether or not the credit card transaction is allowed, and the store end Relative to execute a process of transmitting the determination result of credit availability for the transaction by the credit card.

  According to the present invention, conversion processing of customer identification information and card information and credit inquiry processing are separated, and credit inquiry is performed from the store terminal side. As a result, the customer identification information can be extended, and the customer identification information can be used at a plurality of member stores having different transaction conditions by registering the customer's credit card information once.

It is the functional block diagram which showed the function with which the payment processing system which concerns on embodiment of this invention is provided. It is the figure which showed an example of the data memorize | stored in a customer information storage part in the payment processing system which concerns on this embodiment. It is the figure which showed an example of the data memorize | stored in the approval information storage part in the payment processing system which concerns on this embodiment. It is the figure which showed an example of the data memorize | stored in the credit information storage part in the payment processing system which concerns on this embodiment. In the payment processing system which concerns on this embodiment, it is the figure which showed an example of the data memorize | stored in a transaction information storage part. It is the sequence figure which showed the flow of the process which registers the information required at the time of payment in the payment processing system which concerns on this embodiment. It is the sequence figure which showed the flow of the process which registers the information required at the time of payment in the payment processing system which concerns on this embodiment. It is the sequence diagram which showed the flow of the process by the payment processing system which concerns on this embodiment. It is the sequence diagram which showed the flow of the process by the payment processing system which concerns on this embodiment. It is the sequence diagram which showed the flow of the process by the payment processing system which concerns on this embodiment. It is the functional block diagram which showed the function with which the payment processing system which concerns on another embodiment of this invention is provided. It is the functional block diagram which showed the function with which the payment processing system which concerns on another embodiment of this invention is provided.

Next, a settlement processing system according to an embodiment of the present invention will be described with reference to the drawings.
As shown in FIG. 1, the payment processing system according to the present embodiment includes a customer information management device 1, a store terminal 2, a credit information management device 3, and an IC tag 4.
Among these, the customer information management device 1, the store terminal 2, and the credit information management device 3 are configured to be communicable via a network NW such as the Internet.

  In the present embodiment, only one store terminal 2 and one IC tag 4 are shown, but there are actually a plurality of store terminals 2 depending on the number of stores, and the settlement according to the present embodiment. There are a plurality of IC tags 4 depending on the number of customers who use the processing system. Further, with respect to the credit information management device 3, there may be a plurality of credit information management devices 3 for each credit card company that issues different types of credit cards.

The customer information management device 1 is a device that stores customer information necessary for the payment of goods or services provided to a customer and supplies this information to each terminal as necessary.
The customer information management apparatus 1 includes a CPU (Central Processing Unit), a computer program executed by the CPU, a RAM (Random Access Memory) storing a computer program and predetermined data, a ROM (Read Only Memory), and an external device such as a hard disk drive. The storage device constitutes a functional block including a customer information storage unit 11, an approval information storage unit 12, an approval presence / absence determination unit 13, an extraction processing unit 14, and a communication processing unit 15.

The customer information storage unit 11 is a storage unit that stores customer information and the like necessary for performing payment for a product or service after providing a product or service to the customer.
For example, as shown in FIG. 2, the customer information storage unit 11 stores, as customer information, a customer ID for identifying a customer, a credit card number, and card information including information related to an expiration date in association with each other. Can do.

The customer ID is information stored in the IC tag 4 and is information that can uniquely identify the customer.
The credit card number is an identification number of a credit card used for settlement of goods or services provided to customers based on the settlement processing system according to the present embodiment.
In addition to this information, the customer information storage unit 11 may store customer related information such as the customer's name and contact information. For example, information such as a personal identification number for authenticating a customer who is a credit card holder is stored, and is referred to when registering or changing information related to the handling or management of a credit card. Also good.

  The approval information storage unit 12 can store information regarding which member store has approved the use of the service based on the present payment processing system for the credit card registered in the customer information storage unit 11. Part.

  As shown in FIG. 3, the approval information storage unit 12 stores the approval information in the member store in association with each customer ID. The approval information includes information about a member store ID that can identify a member store of a service based on the present payment processing system and whether or not there is approval from the customer for each member store ID.

Approval presence / absence is registered when a customer is approved to provide a service based on the payment processing system for a merchant associated with a predetermined merchant ID. In this embodiment, the approval is made on the date when the customer approves. It is registered as there was.
By referring to the presence / absence of approval, it is determined whether or not prior approval has been obtained when the customer intends to use a service based on the present payment processing system at the member store.

  The approval information storage unit 12 may associate all member store IDs in advance for each customer ID and register that the approval has been given when there is an approval. The member store ID may be registered in association with the customer ID.

The approval presence / absence determination unit 13 refers to the approval information storage unit 12 when the customer ID and the member store ID of the store terminal 2 are received together with the card information acquisition request from the store terminal 2, and Based on the member store ID, it is determined whether or not prior approval by the customer has been obtained.
When the provision of a service based on this payment processing system is not approved for a member store having the store terminal 2 that has transmitted the card information acquisition request, the store terminal 2 is used to attach approval to the customer. A processing request is sent.

  In response to a request from the store terminal 2, the extraction processing unit 14 refers to the customer information storage unit 11 and executes processing for extracting card information associated with the customer ID.

The communication processing unit 15 is a processing unit that executes data transmission / reception processing between the store terminal 2 and the credit information management device 3 according to a predetermined protocol via a network NW such as the Internet.
For example, the communication processing unit 15 makes an acquisition request for card information including the credit card number associated with the customer ID and the expiration date information together with the customer ID and member store ID of the IC tag 4 with the POS terminal 2a. Receive or send the requested card information.

The store terminal 2 is a terminal installed in a store that provides products or services to customers.
The type of store in the present embodiment is not particularly limited, and refers to a store that provides various products and services to customers. In addition, the stores in the present embodiment constitute member stores of services based on the payment processing system, and the services based on the payment processing system are customers according to the transaction conditions defined for each member store. Provided to.

The store terminal 2 includes a POS terminal 2a, a reader 2b, and a CAT terminal 2c.
The POS terminal 2a, the reader 2b, and the CAT terminal 2c constituting the store terminal 2 are connected via a predetermined communication line network, and can exchange data with each other.

The POS terminal 2a (point of sale system) is a terminal for accounting for sales by products or services provided to customers.
The POS terminal 2a includes a CPU (Central Processing Unit), a computer program executed by the CPU, a RAM (Random Access Memory) storing a computer program and predetermined data, a ROM (Read Only Memory), and an external storage such as a hard disk drive. A functional block including a settlement processing unit 21, a communication processing unit 22, and an input / output processing unit 23 is configured by the apparatus.

The checkout processing unit 21 executes a process of calculating the consideration for the product or service provided to the customer.
In this process, an amount corresponding to the quantity of the product or service provided to the customer is calculated with reference to a predetermined table storing the unit price for each type of product or service.
In addition, a printing processing means for issuing a receipt or the like according to the settlement of the consideration for the goods or services is provided.

The communication processing unit 22 is a processing unit that executes data transmission / reception processing with the customer information management device 1 and the credit information management device 3 according to a predetermined protocol via a network NW such as the Internet.
This communication processing unit 22, for example, with the customer information management apparatus 1, along with a request for obtaining card information including a credit card number and expiration date information, the customer ID of the IC tag 4 and the member store of the member store to which the store belongs. An ID is transmitted and the card information requested for acquisition is received.

The input / output processing unit 23 includes an input processing unit configured by a touch panel or the like for inputting data, and an output processing unit configured by a display or a speaker for outputting data.
For example, when the store is a member store for which prior approval for use has not been obtained from a customer, the input / output processing unit 23 outputs a screen for obtaining use approval so that it can be accepted, or inputs approval. Or accept.

  The reader 2b is a device that can read information stored in the IC tag 4, and includes an antenna coil and a communication control device for controlling the operation of the antenna coil. In addition, a communication processing unit that supplies information read from the IC tag 4 to the POS terminal 2a or the CAT terminal 2c is provided.

  The reader 2b generates an induced electromotive force in the IC tag 4 by sending out electromagnetic waves, thereby operating the control mechanism on the IC tag 4 side. Then, the information stored in the IC tag 4 can be read by transmitting a question signal to the IC tag 4 and receiving a response signal corresponding thereto from the IC tag 4.

  The reader 2b normally disables a wireless function for transmitting an electromagnetic wave for generating an induced electromotive force in the IC tag 4, transmitting a question signal, or receiving a response signal. The POS terminal 2a When receiving an acquisition request for the customer ID stored in the identification information storage unit 41, the wireless function is activated each time, and predetermined information is read. Then, by supplying the information requested to be read to the POS terminal 2a, when the processing requested from the POS terminal 2a is completed, the wireless function is invalidated again.

The reader 2b may be configured as a reader / writer capable of performing not only the information reading process but also the writing process. The reader 2b writes the setting information for each customer, such as a personal identification number and a payment method. Reference may be made accordingly.
Further, the reader 2b may always be able to read out information stored in the IC tag 4 by sending out electromagnetic waves.

  The CAT terminal 2c is a so-called credit authorization terminal, and has a function of reading a credit card magnetic stripe, a communication function of communicating with the credit information management apparatus 3 via the network NW, and the like. And by these functions, in order to confirm the validity of the credit card used by the customer, the credit information management device 3 is inquired of the credit based on the card information. The result of the credit inquiry obtained from the credit information management device 3 is supplied to the POS terminal 2a.

The credit information management device 3 is a terminal installed in a credit card company or the like, and is a terminal that processes information relating to whether or not credit approval is given for a transaction based on a credit card.
The credit information management device 3 includes a CPU (Central Processing Unit), a computer program executed by the CPU, a RAM (Random Access Memory) storing a computer program and predetermined data, a ROM (Read Only Memory), and a hard disk drive. The external storage device constitutes a functional block including a credit information storage unit 31, a transaction information storage unit 32, a credit availability determination unit 33, and a communication processing unit 34.

The credit information storage unit 31 is a storage unit that stores credit information related to a credit card used by a customer.
For example, as shown in FIG. 4, the credit information storage unit 31 stores credit information, attribute information, and usage information in association with each other for each credit card number constituting the card information.

Credit information is information for determining whether credit is permitted for credit card usage, and is composed of information for determining whether credit is available for each customer, such as expiration date, limit frame, and blacklist registration. The
The attribute information is information relating to the attribute of the credit card holder, and is composed of information such as the holder's name, address, telephone number, date of birth, annual income, and work place.
The usage information is information related to the usage history of the credit card, and includes information such as usage date, usage amount, and member store. This usage information is accumulated when payment for a product or service purchased by a customer is completed and information related to the payment is received.

The transaction information storage unit 32 is a storage unit that stores information about a store that is a member store of a service based on the settlement processing service, and that determines information for determining whether or not credit is permitted for each member store.
In this transaction information storage unit 32, as shown in FIG. 5, for each member store ID for identifying the member store, member store information regarding the member store details and transaction condition information regarding the transaction conditions with the member store are stored. It is stored in association.

The member store information includes information on the names of the member stores, contact information, and the like, as well as store information included in the member stores.
The transaction condition information includes a condition when the customer uses the credit card, and includes information related to a condition predetermined for each member store. The transaction condition information includes, for example, a credit limit, the number of divisions in the case of installment payments, and the like, as well as a cashing frame.
By referring to the transaction information storage unit 32, when the store terminal 2 makes a credit inquiry together with the member store ID, the transaction condition for each member store is referred to and the content requested for credit matches the transaction condition. Whether or not to do so can be determined.

The credit permission determination unit 33 refers to the credit information storage unit 31 and the transaction information storage unit 32, and determines whether or not credit for the transaction by the credit card related to the card information is based on the card information, the credit request information, and the member store ID. It is a functional part to judge.
Based on the card information and the credit request information related to the content requested to be credited, the credit admission / rejection determination unit 33 refers to the credit information and usage information stored in the credit information storage unit 31 and uses the credit card number. It is judged whether or not the credit is permitted for each customer, such as whether the designated credit card has not expired, the transaction amount does not exceed the limit, or is not registered in the black list. Further, based on the member store ID and the credit request information, the transaction condition information stored in the transaction information storage unit 32 is referred to determine whether credit is permitted for each member store, such as whether installment payment is permitted.

The communication processing unit 34 is a processing unit that performs data transmission / reception processing between the customer information management apparatus 1 and the store terminal 2 according to a predetermined protocol via a network NW such as the Internet.
The communication processing unit 34 receives, for example, credit card transaction credit inquiry requests with the store terminal 2, card information, credit request information, and member store ID, and whether credit card transaction credit is permitted. Or send the judgment result.

The IC tag 4 is a passive non-contact type electronic device that stores electronic data and can execute a predetermined information processing operation in response to an electromagnetic wave transmitted from the reader 2b.
The IC tag 4 receives and transmits electromagnetic waves with the reader 2b and generates an induced electromotive force by the received electromagnetic waves, a CPU (Central Processing Unit) as a control unit, and an EEPROM (Electrically Erasable). A functional unit including an identification information storage unit 41, a transmission / reception processing unit 42, and an information processing unit 43 is configured by an IC chip or the like in which a memory such as Programmable Read-Only Memory is unitized.

  The identification information storage unit 41 is information for uniquely identifying a customer, and is a storage unit that can store a customer ID unique to each IC tag 4.

The transmission / reception processing unit 42 is a processing unit for transmitting / receiving data to / from the reader 2b.
The transmission / reception processing unit 42 receives a question signal or a write request signal from the reader 2b, or transmits a customer ID to the reader 2b based on an instruction from the information processing unit 43.

  The information processing unit 43 acquires a customer ID from the identification information storage unit 41 based on the question signal from the reader 2b, and executes a process of causing the transmission / reception processing unit 42 to transmit the customer ID to the reader 2b.

  Note that the IC tag 4 in this embodiment is configured as a key holder having a ring for attaching a key or the like, or built in the key holder or built in a mobile phone terminal used by the customer. It is good to have a configuration that is convenient to carry.

Next, a flow of a series of processing by the payment processing system according to the present embodiment will be described with reference to the drawings.
Here, first, the flow of processing for pre-registering information necessary for payment processing prior to the payment processing using the card information stored in the customer information management apparatus 1 will be described with reference to FIGS. .
When a customer visits a store or the like and registers the IC tag 4 for each customer, the customer first presents a credit card to be used.
Then, when the card information including the credit card number and the expiration date information is obtained from the credit card by the CAT terminal 2c, the credit information management apparatus 3 and the credit information request for confirming the validity of the credit card together with the card information and the membership Store ID is transmitted (S101).

Upon receiving this, the credit information management device 3 refers to the credit information storage unit 31 and the transaction information storage unit 32 based on the card information and the member store ID by the credit admission / rejection determination unit 33 and refers to the credit card related to the card information. It is determined whether or not the credit for the transaction based on the credit is acceptable (S102).
The determination result of the credit availability is transmitted to the CAT terminal 2c by the communication processing unit 34 (S103).

  The store terminal 2 that has received the credit decision result by the CAT terminal 2c, according to the credit decision result (S104), if the credit is not accepted, a message to that effect on the POS terminal 2a. Etc. are displayed, etc., and a series of processes are complete | finished (S105).

On the other hand, if the credit is approved, the POS terminal 2a issues an acquisition request for the customer ID of the IC tag 4 to the reader 2b (S106).
In response to this, the reader 2b activates the wireless function (S107), and acquires the customer ID from the IC tag 4 held over a predetermined reading unit (S108).
Further, the reader 2b disables the wireless function when the supply of the customer ID is completed (S109).

  The POS terminal 2a transmits the card information and the customer ID stored in the IC tag 4 to the customer information management apparatus 1 (S110).

Upon receiving this, the customer information management device 1 stores the customer card information and the customer ID of the IC tag 4 for identifying the customer in association with each other in the customer information storage unit 11 (S111).
Thus, registration of the customer credit card information and the IC tag 4 is completed.

  In the process of registering the card information, when the card information and the customer ID are transmitted from the POS terminal 2a to the customer information management apparatus 1, the store member store ID may be transmitted together. Then, at the member store associated with the member store ID, the customer consents to the use of the service based on the settlement processing system, referring to the approval information storage unit 12, and associating the customer ID with the member store ID, You may make it register that there was approval of use by a customer.

Next, the flow of processing until a product or service is provided to a customer by the payment processing system according to the present embodiment and payment for the product is executed will be described with reference to FIGS.
Prior to providing a service based on this settlement processing system to a customer, as described above, the card information of the customer's credit card and the customer ID of the IC tag 4 are registered in the customer information management device 1 in advance.

  When the POS terminal 2a has calculated the consideration for the product or service purchased by the customer and receives a settlement request for the settlement amount related to the consideration (S201), the customer stored in the IC tag 4 with respect to the reader 2b An ID acquisition request is issued (S202).

In response to this, the reader 2b activates the wireless function (S203), transmits a radio wave to the IC tag 4 held over a predetermined reading unit, and reads the customer ID stored in the identification information storage unit 41 (S204). .
When the reading is completed, the reader 2b disables the wireless function (S205).

  The POS terminal 2a transmits the customer ID supplied from the reader 2b and the member store ID of the own store obtained by referring to a predetermined table to the customer information management device 1 together with the card information acquisition request ( S206).

  In response to this, the customer information management device 1 refers to the approval information storage unit 12 based on the received customer ID and member store ID by the approval presence / absence determination unit 13, and the customer related to the customer ID It is determined whether or not use of a service based on the present payment processing system is approved at the member store associated with the ID (S207).

If the approval is not obtained as a result of the determination of the approval / non-approval, the store terminal 2 is requested for approval and the process proceeds to a process for obtaining the approval (described later with reference to FIG. 9).
On the other hand, if the approval has been obtained, a process for executing the settlement is executed (described later with reference to FIG. 10).

First, processing for obtaining approval from a customer when customer approval is not obtained in the processing of S207 will be described with reference to FIG.
The customer information management device 1 transmits to the POS terminal 2a a request for approval of a customer for service use based on the present settlement processing system in the member store to which the store belongs (S208).

On the other hand, the POS terminal 2a outputs a member store use approval request screen by the input / output processing unit 23 (S209). This approval request screen displays, for example, a button for approving the use at the member store to which the store belongs for the provision of a service based on this settlement processing system. When the customer presses this button, the approval is displayed. Input is accepted.
When an input for approval of use at a member store is received from a customer (S210), information related to the received approval is transmitted to the customer information management apparatus 1 (S211).

The customer information management device 1 registers the approval by the customer by referring to the approval information storage unit 12 and registering the date of approval in association with the customer ID and the member store ID (S212).
When the approval by the customer is registered, the process for executing the settlement is continuously executed.

Hereinafter, when approval is obtained in the processing of S207, or when approval is obtained from the customer in the processing of S208 to S212, processing until final settlement is executed with reference to FIG. explain.
The customer information management device 1 refers to the customer information storage unit 11 by the extraction processing unit 14 and extracts card information including a credit card number and expiration date information associated with the customer ID received from the POS terminal 2a ( S213).
The extracted card information is transmitted to the POS terminal 2a (S214).

  When the store terminal 2 obtains the card information from the customer information management device 1 by the POS terminal 2a, the card information, the credit request information, and the membership together with the credit inquiry request to the credit information management device 3 by the CAT terminal 2c. The store ID is transmitted (S215). Here, the credit request information is information related to details of the settlement contents for which credit is required, such as a settlement amount that requires settlement and a payment method such as lump sum payment or installment payment.

  The credit information management device 3 that has been requested for credit inquiries, based on the card information, credit request information, and member store ID received from the POS terminal 2a by the credit availability determination unit 33, the credit information storage unit 31 and the transaction information storage Referring to unit 32, it is determined whether or not credit is permitted for a transaction based on the credit card related to the card information (S216).

More specifically, the credit approval / disapproval determination unit 33 refers to the credit information and usage information stored in the credit information storage unit 31 based on the card information and the credit request information, and the credit specified by the credit card number. Whether the credit card has expired, whether the transaction amount has exceeded the limit, whether the card has been registered in the black list, etc. is determined for each customer. Further, based on the credit request information and the member store ID, the transaction condition information stored in the transaction information storage unit 32 is referred to determine whether or not the credit is permitted for each member store, for example, whether installment payment is permitted.
Then, the determination result of the credit availability by the credit availability judgment unit 33 is transmitted to the CAT terminal 2c (S217).

  The POS terminal 2a finishes the process by displaying, for example, that the transaction cannot be continued by the input / output processing unit 23 if the credit is not accepted, depending on the result of the credit decision (S218). (S219).

On the other hand, when the credit is approved, the settlement processing unit 21 performs settlement and issues a receipt or a card slip to the customer (S220).
Thereby, the payment is completed, and the card information and the payment content information are transmitted from the POS terminal 2a to the customer information management apparatus 1 (S221).

  The customer information management device 1 manages the sales information transmitted from the store and provides the credit card company with the credit card usage information by the customer at a predetermined timing, which is necessary for the final settlement. Processing is performed (S222).

According to the above embodiment, the conversion process between the customer ID and the card information is executed by the customer information management apparatus 1, while the credit inquiry process is executed by the CAT terminal 2c of the store terminal 2. It is not necessary to provide the customer information management device 1 in In addition, once a customer's credit card information is registered, a plurality of member stores having different transaction conditions can use a customer ID to perform a settlement process using pre-registered card information. It has extensibility.
In addition, since customer approval is managed for each member store regarding the use of services based on this payment processing system, card information is never used without the customer's knowledge, and customers can register card information with peace of mind. I can keep it.

In the above embodiment of the present invention, at the time of executing the settlement, the POS terminal 2a first calculates a consideration for the product or service purchased by the customer, and after receiving a settlement request for the settlement amount related to the consideration, Although a request for acquiring a customer ID stored in the IC tag 4 is issued to the reader 2b (the processing in S201 and S202, see FIG. 8), the processing in S201 can be performed at another timing.
For example, it can be performed between the processes of S214 and S215 in FIG. That is, after acquiring the card information from the customer information management device 1, the consideration for the product or service purchased by the customer is calculated, the settlement request for the settlement amount related to the consideration is accepted, and the card information, together with the credit inquiry request, The credit request information and the member store ID may be transmitted to the credit information management device 3.

In the above embodiment of the present invention, the CAT terminal 2c is provided separately from the POS terminal 2a in order to make a credit inquiry request. However, in another embodiment of the present invention, the POS terminal 2a has already been described. The configuration of the CAT terminal 2c may be incorporated.
In this case, as illustrated in FIG. 11, the POS terminal 5 a includes a credit inquiry request function executed by the CAT terminal 2 c as the credit inquiry unit 54. The credit inquiry unit 54 sends a credit request inquiry request based on the card information and the member store ID to the credit information management device 3, and receives the result.
The settlement processing unit 51, the communication processing unit 52, and the input / output processing unit 53 correspond to the described settlement processing unit 21, the communication processing unit 22, and the input / output processing unit 23, respectively, and a function that realizes the same function. Part.

In another embodiment of the present invention, when registering card information of a customer's credit card, a registration-only portable terminal such as a tablet terminal may be used separately from the POS terminal.
An example of the configuration of each terminal in this case is shown in FIG.
The store terminal 6 includes a POS terminal 6a, a reader 6b, a CAT terminal 6c, and a portable terminal 6d. The POS terminal 6a is configured in the same manner as the POS terminal 2a. The settlement processing unit 61, the communication processing unit 62, and the input / output processing unit 63 are connected to the settlement processing unit 21, the communication processing unit 22, and the input / output processing unit 23, respectively. It corresponds. The reader 6b is configured similarly to the reader 2b. The CAT terminal 6c is configured in the same manner as the CAT terminal 2c. However, as described later, the reading function for obtaining the card information of the credit card provided in the CAT terminal 2c is the same as that of the portable terminal 6d. This is realized by the reading processing unit 64.

  The portable terminal 6d includes a CPU (Central Processing Unit), a computer program executed by the CPU, a memory such as a RAM (Random Access Memory) and a ROM (Read Only Memory) for storing the computer program and predetermined data, and the like. 64, a communication processing unit 65, and an input / output processing unit 66, and is configured to be capable of data communication with the POS terminal 6 a and the reader 6 b via a wireless communication network such as a wireless local area network (LAN). ing.

The reading processing unit 64 is a function provided in the CAT terminal 2c in the above-described embodiment, and is a functional unit that functions as a so-called credit card reader. As a result, the card information of the credit card can be obtained by reading the magnetic stripe of the credit card.
The communication processing unit 65 is a processing unit that executes data transmission / reception processing with the customer information management device 1 and the credit information management device 3 through a network NW such as the Internet according to a predetermined protocol.
The input / output processing unit 66 is configured by a touch panel for inputting detailed customer information and outputting various data.

With such a configuration, when registering the customer's credit card information, the staff of the store can use the portable terminal 6d.
Specifically, when a customer requests registration of use of a service based on the present payment processing system, the reading processing unit 64 acquires card information from the customer's credit card, and then makes a credit inquiry using the CAT terminal 6c. If there is no problem in the credit result, the customer ID of the IC tag 4 obtained by the reader 6b, the card information, To the customer information management apparatus 1 to register customer information.

  According to such an embodiment, regardless of the place where the POS terminal 6a or the CAT terminal 6c is installed, the store staff carrying the portable terminal 6d can accept registration from the customer, which is convenient. . In addition, by providing the portable terminal 6d with a reading processing unit 64 for acquiring card information from the credit card, the customer's credit card registration process can be performed in front of the customer. It can give customers a sense of security regarding the handling of credit cards.

In addition, application software for realizing each functional unit included in the portable terminal 6d can be downloaded from a predetermined Web server as a so-called application so that a service based on this payment processing system can be easily introduced at each store. it can.
Further, in the settlement process, the approval from the customer for the service based on the present settlement processing system may be obtained by the portable terminal 6d. For example, among the processes described with reference to FIG. 9, the processes from S208 to S211, i.e., reception of an approval request for use of a member store, output of an approval request screen for use of a member store, input of approval, The approval information may be transmitted in the portable terminal 6d.

  In the above embodiment, the approval from the customer for the service based on the present payment processing system is such that the input of the approval from the customer is accepted by the POS terminals 2a, 5a or the portable terminal 6d. Not limited to this, a sign of approval may be obtained from a customer in writing, and registered directly in the approval information storage unit 12. In this case, for example, when a customer uses a member store, the approval information storage unit 12 is referred to to determine a member store that is not approved by the customer, and then an approval request for the unapproved member store is received. It is also possible to provide an opportunity to obtain a signature from the customer on the receipt.

  In the above embodiment, the card information transmitted / received among the customer information management device 1, the store terminal 2, and the credit information management device 3 includes a credit card number and expiration date information. However, the present invention is not limited to this, and only the credit card number may be included or other necessary information may be included depending on the transaction arrangement.

DESCRIPTION OF SYMBOLS 1 Customer information management apparatus 11 Customer information memory | storage part 12 Approval information memory | storage part 13 Approval presence determination part 14 Extraction processing part 15 Communication processing part 2 Store terminal 2a POS terminal 2b Reader 2c CAT terminal 21 Settlement processing part 22 Communication processing part 23 Input / Output Processing unit 24 Credit inquiry unit 3 Credit information management device 31 Credit information storage unit 32 Transaction information storage unit 33 Credit acceptability judgment unit 34 Communication processing unit 4 IC tag 41 Identification information storage unit 42 Transmission / reception processing unit 43 Information processing unit 5 Store terminal 5a POS terminal 51 settlement processing unit 52 communication processing unit 53 input / output processing unit 54 credit inquiry unit 5b reader 6 store terminal 6a POS terminal 61 settlement processing unit 62 communication processing unit 63 input / output processing unit 6b reader 6c CAT terminal 6d portable terminal 64 Reading processing unit 65 Communication processing unit 66 Input / output processing unit NW network

Claims (7)

Credit information management device that gives credit approval for transactions by credit card, store terminal connected to a reader that reads information stored in an IC tag installed in a store of a member store, and manages customer credit card information A system that is configured to be communicable with a customer information management device via a network and settles the price of goods or services provided to the customer by customer identification information that can uniquely identify the customer stored in the IC tag. There,
The store terminal
The customer received a request for payment processing for the goods or services provided to the customer by the credit card registered in association with the customer identification information stored in the IC tag along with the presentation of the IC tag. At the time, by the reader, information reading means for reading the customer identification information from the IC tag,
A customer identification information transmitting means for transmitting the customer identification information and the member store identification information together with an acquisition request for card information of a credit card corresponding to the customer identification information to the customer information management device;
Card information receiving means for receiving card information of a credit card corresponding to the customer identification information from the customer information management device;
The credit information management device is transmitted with the credit information request for credit card transaction specified by the card information, the credit information related to the requesting credit, and the member store identification information of the store. A means for transmitting a credit inquiry request,
A judgment result receiving means for receiving from the credit information management device a judgment result on whether credit is permitted or not for a transaction by a credit card specified by the card information;
And, as a result of the credit inquiry, when a credit for the transaction by the credit card is approved, a settlement processing means for performing settlement of a settlement amount related to the consideration of the goods or services provided to the customer,
The customer information management device is
Customer information storage means for storing the card information and the customer identification information in association with each other;
Regarding the use of the credit card based on the customer identification information, for each customer identification information, an approval information storage means for storing presence / absence of approval of the use of the credit card corresponding to the customer identification information in the member store,
Based on the customer identification information and the member store identification information received together with the acquisition request of the card information of the credit card corresponding to the customer identification information from the store terminal, the authorization information storage means is referred to and the customer identification information is stored. Approval presence / absence determining means for determining whether or not the customer has approved the use of the credit card based on the customer identification information in the member store related to the member store identification information;
Customer identification information receiving means for receiving the customer identification information and the member store identification information from the store terminal together with an acquisition request for credit card information corresponding to the customer identification information;
As a result of the determination by the approval presence / absence determination means, it is determined that the customer related to the customer identification information has approved the use of the credit card based on the customer identification information in the member store related to the member store identification information. When referring to the customer information storage means, card information extraction means for extracting card information associated with the customer identification information;
Card information transmission means for transmitting the extracted card information to the store terminal,
The credit information management device is
Credit information storage means for storing the credit card credit information;
Transaction information storage means for associating and storing transaction condition information related to conditions of settlement contents allowed for the member store for each member store identification information;
Credit inquiry request receiving means for receiving the card information, the credit request information, and the member store identification information together with the credit inquiry request for the transaction by the credit card specified by the card information from the store terminal,
Credit acceptability judging means for judging whether or not credit for the transaction by the credit card is made based on the card information, the credit request information, and the member store identification information with reference to the credit information storing means and the transaction information storing means. When,
A determination result transmitting means for transmitting to the store terminal a determination result of whether or not credit is allowed for the transaction by the credit card;
A payment processing system characterized by that. The store terminal
When the customer does not approve the use of a credit card based on the customer identification information at the member store related to the member store identification information, the customer information management device sends the credit card at the member store related to the member store identification information. An approval request receiving means for receiving an approval request for use of a credit card;
Use approval transmission means for transmitting approval for the use of a credit card at a member store related to the member store identification information to the customer information management device;
As a result of the determination by the approval presence / absence determination means, it is determined that the customer related to the customer identification information does not approve the use of the credit card based on the customer identification information in the member store related to the member store identification information. An approval request transmitting means for transmitting an approval request for the use of a credit card in a member store related to the member store identification information to the store terminal,
Usage approval receiving means for receiving approval for the use of a credit card at a member store related to the member store identification information from the store terminal;
An authorization information registration means for referring to the authorization information storage means and registering the affiliated store identification information of the affiliated store that has been authorized to use the credit card in association with the customer identification information;
The settlement processing system according to claim 1. Each time the reader reads customer identification information by the information reading means, the reader activates a wireless function to receive and transmit radio waves for reading the customer identification information stored in the IC tag. Perform a read of
The settlement processing system according to claim 1. The IC tag is attached to a key holder,
The payment processing system according to any one of claims 1 to 3. The IC tag is built in a mobile terminal used by the customer.
The payment processing system according to any one of claims 1 to 3. For each piece of credit information storage means for storing credit information of a customer's credit card and member store identification information for identifying a member store, transaction condition information relating to the conditions of settlement contents allowed for the member store is associated and stored. A transaction information storage means, a credit information management device that grants credit approval for a transaction by a credit card, and a store connected to a reader that is installed in the store of the member store and reads information stored in an IC tag About the terminal, the customer information storage means for storing the card information of the credit card and the customer identification information that can uniquely identify the customer stored in the IC tag, and the use of the credit card based on the customer identification information, Approval of use of a credit card corresponding to the customer identification information at the member store for each customer identification information It has a approval information storage means for storing, and a customer information management device for managing the credit card information of the customer, but by communicatively configured system via a network,
A method for settling the consideration for goods or services provided to a customer based on customer identification information stored in the IC tag,
The store terminal
The customer received a request for payment processing for the goods or services provided to the customer by the credit card registered in association with the customer identification information stored in the IC tag along with the presentation of the IC tag. When the reader reads the customer identification information from the IC tag,
A process of transmitting the customer identification information and the member store identification information to the customer information management device together with an acquisition request for credit card information corresponding to the customer identification information,
A process of receiving credit card information corresponding to the customer identification information from the customer information management device;
The credit information management device is transmitted with the credit information request for credit card transaction specified by the card information, the credit information related to the requesting credit, and the member store identification information of the store. Processing to
A process for receiving from the credit information management device a determination result of whether credit is permitted for a transaction by a credit card specified by the card information;
When credit for the transaction by the credit card is approved as a result of the credit inquiry, the settlement of the settlement amount relating to the consideration of the goods or services provided to the customer is executed, and
The customer information management device is
Based on the customer identification information and the member store identification information received together with the acquisition request of the card information of the credit card corresponding to the customer identification information from the store terminal, the authorization information storage means is referred to and the customer identification information is stored. A process for determining whether or not the customer has approved the use of the credit card based on the customer identification information in the member store related to the member store identification information;
A process of receiving the customer identification information and the member store identification information from the store terminal together with an acquisition request for credit card information corresponding to the customer identification information;
As a result of the determination by the approval presence / absence determination means, it is determined that the customer related to the customer identification information has approved the use of the credit card based on the customer identification information in the member store related to the member store identification information. Sometimes, referring to the customer information storage means, processing for extracting card information associated with the customer identification information,
A process of transmitting the extracted card information to the store terminal,
The credit information management device is
A process of receiving the card information, the credit request information, and the member store identification information together with a credit inquiry request for a transaction by a credit card specified by the card information from the store terminal;
With reference to the credit information storage means and the transaction information storage means, based on the card information, the credit request information, and the member store identification information, a process of determining whether credit for the transaction by the credit card is possible;
A process of transmitting a determination result of whether or not credit is allowed for the transaction with the credit card to the store terminal;
A payment processing method characterized by the above. The credit information storage means for storing the credit information of the customer's credit card and the member store identification information for identifying the member store are associated and stored with transaction condition information relating to the conditions of settlement contents allowed for the member store. Connected to a credit information management device that grants credit approval for a transaction by a credit card, and a reader that reads information stored in an IC tag installed in the store of the member store. Regarding store terminals, customer information storage means for associating and storing card information of the credit card and customer identification information capable of uniquely identifying a customer stored in the IC tag, and use of a credit card based on the customer identification information For each of the customer identification information, approval of the use of the credit card corresponding to the customer identification information at the member store is given. It has a approval information storage means for storing non, and a customer information management device for managing the credit card information of the customer, but the communicable configured system via a network,
A program for functioning as a payment processing system for paying for the value of goods or services provided to a customer based on customer identification information stored in the IC tag,
For the above store terminal,
The customer received a request for payment processing for the goods or services provided to the customer by the credit card registered in association with the customer identification information stored in the IC tag along with the presentation of the IC tag. When the reader reads the customer identification information from the IC tag,
A process of transmitting the customer identification information and the member store identification information to the customer information management device together with an acquisition request for credit card information corresponding to the customer identification information,
A process of receiving credit card information corresponding to the customer identification information from the customer information management device;
The credit information management device is transmitted with the credit information request for credit card transaction specified by the card information, the credit information related to the requesting credit, and the member store identification information of the store. Processing to
A process for receiving from the credit information management device a determination result of whether credit is permitted for a transaction by a credit card specified by the card information;
A process of performing settlement of the settlement amount related to the consideration of the goods or services provided to the customer when the credit card transaction is approved as a result of the credit inquiry;
Causing the customer information management device to execute the card information and the process of transmitting the settled payment amount information;
For the customer information management device
Based on the customer identification information and the member store identification information received together with the acquisition request of the card information of the credit card corresponding to the customer identification information from the store terminal, the authorization information storage means is referred to and the customer identification information is stored. A process for determining whether or not the customer has approved the use of the credit card based on the customer identification information in the member store related to the member store identification information;
A process of receiving the customer identification information and the member store identification information from the store terminal together with an acquisition request for credit card information corresponding to the customer identification information;
As a result of the determination by the approval presence / absence determination means, it is determined that the customer related to the customer identification information has approved the use of the credit card based on the customer identification information in the member store related to the member store identification information. Sometimes, referring to the customer information storage means, processing for extracting card information associated with the customer identification information,
A process of transmitting the extracted card information to the store terminal,
For the credit information management device
A process of receiving the card information, the credit request information, and the member store identification information from the store terminal together with the credit inquiry request for the transaction by the credit card specified by the card information;
With reference to the credit information storage means and the transaction information storage means, based on the card information, the credit request information, and the member store identification information, a process of determining whether credit for the transaction by the credit card is possible;
A process of transmitting a determination result of whether or not credit is allowed for the transaction by the credit card to the store terminal;
Computer program.

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