JP2003044766A - System for processing settlement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement processing system capable of confirming savings account balance of a checking account immediately after purchasing with a cash card on the spot. SOLUTION: In this settlement processing system for performing payment for purchased merchandise with the cash card issued by a financial institution, a password input terminal 2 with which a buyer inputs his/her own password in buying merchandise and a cash register 3 to which a purchase amount is inputted are installed in a plurality of stores 1, and a computer 6 connected to the cash register 3 through a public network 4 and a depositor account database 7 are further installed in a plurality of financial institutions 5 and 8.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment processing system for immediately and automatically processing payment when a product is purchased with a cash card issued by a financial institution.

[0002]

2. Description of the Related Art At present, it is widely used to use a credit card to pay for the purchase of goods because it is not necessary to carry cash around.

Furthermore, recently, with respect to cash cards issued by financial institutions, financial institutions and stores that provide similar services have appeared.

[0004] The reason for this is that payment of merchandise is paid directly from the account of the cash card, the period until settlement is shortened and the fee can be reduced, so the number of stores offering this service is increasing. There is.

On the other hand, the user also has the advantage that the number of cards to be carried can be reduced and the clearing status can be confirmed at any time using a bankbook.

[0006]

However, even if it is possible to confirm the deposit balance in this way, it is possible to confirm it only at the counter of the financial institution or using a dedicated machine such as an ATM. It was not possible to confirm on the spot immediately before or immediately after shopping.

[0007] Therefore, an object of the present invention is to provide a settlement processing system capable of immediately confirming the deposit balance of a checking account on the spot when a customer purchases a cash card.

[0008]

The payment processing system of the present invention is a payment processing system in which payment for a product purchase is made with a cash card issued by a financial institution. A password input terminal for inputting and a cash register for inputting the purchase amount are installed in a plurality of stores, and a computer and a depositor account database which are connected to the cash register through a public network are provided to the financial institution. It is characterized by being installed in.

Further, the settlement processing system of the present invention is characterized in that the computer is provided with a transfer processing means for transferring the purchase price to the deposit account of the store purchased from the purchaser's deposit account. .

Further, the settlement processing system of the present invention is characterized in that the password input terminal is provided with display means for displaying a deposit balance with respect to the deposit account of the purchaser.

Further, in the settlement processing system of the present invention, as a collation table for displaying only the purchaser's own deposit balance on the deposit account database,
The balance display control information is accumulated.

Further, in the settlement processing system of the present invention, the balance display control information is a "depositor identification code".
And a "balance display control flag" and "other" information.

Further, in the settlement processing system of the present invention, the deposit balance of the purchaser whose "balance display control flag" is not discriminated is not displayed on the display screen of the password input terminal.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to FIGS.

FIG. 1 is a system configuration diagram showing an embodiment of a payment processing system according to the present invention. A store 1 is provided with a password input terminal 2 having a display screen and a cash register 3 having a print function 3A. Among them, the password input terminal 2 is an input terminal for inputting a password when a purchaser of a product performs a payment process with a cash card, and the cash register 3 has a communication function.

The password input terminal 2 and the cash register 3 are connected via a public network 4 to a computer 6 installed in a financial institution 5, and the computer 6 also has a depositor account. A database (DB) 7 is connected.

Further, since the computers of the financial institution 5 and the financial institution 8 are mutually connected, the financial institution of the store 1 is different from the financial institution 5 in which the account of the purchaser is placed. Even if it is placed at 8, there will be no problem in the transfer process of the price.

The password input terminal 2 may have a structure in which the cash register 3 and the communication control device are separately installed and are connected to each other.

In such a system configuration,
A case where a purchaser purchases a product at the store 1 and pays with a cash card will be described.

In this case, the purchaser first inputs the purchase amount into the cash register 3 and, after the input, causes the cash card to be read by a dedicated reader (not shown) to read necessary information.

Then, the purchaser directly inputs the password corresponding to the cash card from the password input terminal 2.

When the password is entered, the purchase amount and the purchaser's account information are sent to the computer 6 installed in the financial institution 5 via the public network 4, where the processing procedure shown in FIG. 2 is followed. Payment processing is performed by payment transfer.

FIG. 2 is a flow chart showing the processing procedure of the settlement processing by the price transfer at the time of purchase of the product. In FIG. When sent, the purchase price is transferred from the user's account to the account of the store 1 (FIG. 1) on the depositor account database 7 (FIG. 1) (step S21), and then this price is transferred. When the processing is completed, the deposit balance of the purchaser's account is transmitted from the financial institution 5 (FIG. 1) to the store 1.

The purchaser confirms the deposit balance sent from the financial institution 5 by displaying it on the display screen of the password input terminal 2 (FIG. 1) (step S2).
2).

If the purchaser wishes to print the deposit balance, he or she can print it from the print function 3A attached to the cash register 3 (FIG. 1) and keep the balance at that time at hand.

Next, another embodiment according to the present invention, that is, an embodiment in which whether or not to display the balance for the purpose of maintaining confidentiality is controlled for each purchaser will be described with reference to FIGS.

FIG. 3 is a flow chart showing the processing procedure of the transfer processing according to another embodiment of the present invention.
FIG. 4 is an explanatory diagram showing a management table of balance display control information according to another embodiment of the present invention. The management table 9 is a collation table for controlling whether or not the balance display is possible for each purchaser. Account database 7 (Fig. 1)
It is provided above and comprises information such as "depositor identification code" 9A, "balance display control flag" 9B and "other" 9C, and "balance display control" corresponding to "depositor identification code" 9A. Flag "9B is set.

The "balance display control flag" 9B is set when the buyer's deposit account is opened or after the account is opened.

In FIG. 3, as in the case of FIG. 2,
When the purchase amount and the purchaser's account information are sent to the financial institution 5 (Fig. 1), the purchase price is transferred from the purchaser's account to the store 1 (Fig. 1) on the depositor account database 7 (Fig. 1).
(Step S31).

After the transfer processing of the purchase price is performed, the balance display control information 9 is searched by using the "depositor identification code" 9A of the purchaser as a key, and "balance display is performed for each [depositor identification code] 9A. The state of the "control flag" 9B is checked to determine whether or not the "balance display control flag" 9B is set in the "depositor identification code" 9A corresponding to the purchaser (step S3).
2).

As a result of the determination, "balance display control flag" 9
If B is not present, the NO routine is processed and the purchaser's deposit balance is not displayed. On the other hand, if the "balance display control flag" 9B is set, the YES routine is processed and the purchaser is transferred. Is displayed on the display screen of the password input terminal 2 (FIG. 1) (step S3
3) The purchaser can confirm the deposit balance after purchase.

Since the maintenance related to the setting of the balance display control flag, etc. is not directly related to the present invention, a detailed description thereof will be omitted, but it is a process that can be performed in the normal maintenance management of the depositor account. is there.

[0033]

According to the present invention described above, a computer installed in a financial institution is provided with a transfer means for transferring a purchase price from a purchaser's deposit account to a store's deposit account, and a plurality of financial institutions are provided. Since the institutions are connected to each other, the purchaser can freely transfer the purchase price at the store where he / she purchased, without going to his / her financial institution, and purchase from the display screen of the password input terminal. You can check your deposit balance on the spot.

Further, according to the present invention, since the balance display control information is provided on the depositor account database as a collation table for controlling whether or not the balance can be displayed, the deposit balance of only the purchaser himself / herself is displayed. Therefore, the purpose of confidentiality can be sufficiently fulfilled.

[Brief description of drawings]

FIG. 1 is a system configuration diagram showing an embodiment of a payment processing system according to the present invention.

FIG. 2 is a flowchart showing a processing procedure of settlement processing by price transfer of the present invention.

FIG. 3 is a flowchart showing a processing procedure of transfer processing according to another embodiment of the present invention.

FIG. 4 is an explanatory diagram showing a management table of balance display control information in another embodiment according to the present invention.

[Explanation of symbols]

1 store 2 password terminal 3 cash registers 3A print function 4 public network 5,8 financial institutions 6 computer 7 Depositor account database 9 Balance display control information 9A [Depositor identification code] information 9B "Balance display control flag" information 9C "Other" information

Claims (6)

[Claims] 1. In a payment processing system for paying for a product purchase price using a cash card issued by a financial institution, when a product is purchased, the purchaser inputs a password input terminal for inputting his / her own password and the purchase amount. We installed cash registers in multiple stores, and
A payment processing system characterized in that a computer connected to the cash register via a public network and a depositor account database are installed in the financial institution. 2. The settlement processing system according to claim 1, wherein the computer is provided with a transfer processing means for transferring a purchase price to a deposit account of a store purchased from the purchaser's deposit account. 3. The payment processing system according to claim 1, wherein the password input terminal is provided with display means for displaying a deposit balance for the deposit account of the purchaser. 4. The settlement process according to claim 1, wherein balance display control information is accumulated as a collation table for displaying the deposit balance of only the purchaser on the deposit account database. system. 5. The settlement processing system according to claim 4, wherein the balance display control information is composed of “depositor identification code”, “balance display control flag”, and “other” information. 6. The payment processing system according to claim 5, wherein the deposit balance of the purchaser whose “balance display control flag” is not determined is not displayed on the display screen of the password input terminal.