JP2008210125A - Settlement processing system, management device, management method, settlement device, settlement method and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system allowing a seller to safely settle a price of a commodity ordered by use of a credit card. <P>SOLUTION: In this settlement processing system, a management server 91 receives order reception information that is information related to the commodity performed with order reception from an order reception device 81, and receives purchase information that is information related to the commodity purchased by a consumer 14 from a terminal device 71. The management server 91 transmits an order reception money amount that is the price of the commodity performed with the order reception included in the order reception information and a purchase money amount that is the price of the commodity purchased by the consumer included in the purchase information to a settlement server 111. The settlement server 111 receives the order reception money amount and the purchase money amount, and decides whether to perform credit to the seller or not based thereon. For example, the settlement processing system can be applied to the settlement processing system performing the settlement by use of the credit card. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a payment processing system, a management device and a management method, a payment device and a payment method, and a program, and in particular, a payment processing system that enables a merchant such as a wholesaler to safely pay with a credit card, The present invention relates to a management apparatus and a management method, a settlement apparatus and a settlement method, and a program.

  For example, perishables such as vegetables that consumers purchase from retail stores are provided from farmers to retail stores via agricultural cooperatives, central wholesale markets, and wholesalers.

  Specifically, the agricultural cooperative buys fresh produce from many farmers and pays the farmers for the fresh produce. The agricultural cooperative sells the fresh products purchased from the farmers to the central wholesale market, and the central wholesale market pays the purchased fresh products to the agricultural cooperative.

  In addition, the retail store orders a fresh product from the wholesaler, and the wholesaler receives the ordered fresh product, and purchases the received fresh product from the central wholesale market. In addition, the retail store pays the price of the ordered fresh products at the end of the following month. Therefore, on average, retail stores pay the wholesalers about 45 days after the order date.

  In contrast, wholesalers generally need to pay the central wholesale market three days after purchasing fresh produce, so wholesalers average 42 (= 45- 3) The price of fresh products ordered will be changed every day. Therefore, even when a wholesaler newly receives a high-priced order from a retail store, the wholesaler has to refuse the order unless he / she can raise funds for reimbursement. As a result, wholesalers could not increase the scale of transactions or accept large orders unless they had sufficient funds.

  On the other hand, there is a credit card system, for example, as a system that can purchase merchandise without having cash. This credit card is one of the settlement means that replaces cash, and can be used for purchase of goods by post-payment (see, for example, Patent Document 1).

  With reference to FIG. 1, the flow of merchandise in the market and the price when the consumer purchases merchandise using a credit card will be described.

  The wholesaler 12-1 in FIG. 1 receives a product such as a fresh product ordered from the retail store 13-1 and the retail store 13-2 and purchases it from the central wholesale market 11-2. And wholesaler 12-1 pays the price of the purchased goods to central wholesale market 11-2 three days after the purchase of goods. Wholesaler 12-2 receives a product ordered from retail store 13-3, purchases the product from central wholesale market 11-1, and pays the price of the purchased product to central wholesale market 11-1.

  The wholesaler 12-3 receives a product ordered from the retail store 13-4 and the retail store 13-5, purchases the product from the central wholesale market 11-3, and pays the price of the purchased product to the central wholesale market 11 Pay -3.

  The retail store 13-1 and the retail store 13-2 purchase the ordered product from the wholesaler 12-1, and pay the price of the product to the wholesaler 12-1. The retail store 13-3 purchases the ordered product from the wholesaler 12-2 and pays the price of the product to the wholesaler 12-2. The retail store 13-4 and the retail store 13-5 purchase the ordered product from the wholesaler 12-3 and pay the price of the product to the wholesaler 12-3.

  The retail stores 13-1 to 13-5 have signed member store contracts with the credit card companies 15-1 to 15-n owned by the consumers 14-1 to 14-5. .

  In the following description, the card companies 15-1 to 15-n are simply referred to as the card company 15 when it is not necessary to distinguish them individually. The same applies to the central wholesale market 11, the wholesale store 12, the retail store 13, the consumer 14, and the like.

  The consumer 14 concludes a credit card membership contract with a predetermined card company of the card companies 15 and possesses a credit card issued by the card company 15. The consumer 14-1 purchases a product from the retail store 13-2 using a credit card issued by the card company 15, and the consumer 14-2 uses the credit card issued by the card company 15. Purchase products from -3. The consumers 14-3 to 14-5 purchase products from the retail store 13-1, the retail store 13-5, and the retail store 13-4, respectively, using a credit card issued by the card company 15.

  At this time, the retail store 13 transmits product purchase data such as the price of a product purchased by the consumer 14 using a credit card (hereinafter referred to as purchase price) to the corresponding card company 15. Based on the purchase price, the card company 15 determines whether to credit the consumer 14 who purchases the product, and transmits consumer credit information, which is information representing the determination result, to the retail store 13. If the consumer credit information represents credit, the retail store 13 delivers the merchandise to the consumer 14, thereby completing the purchase.

  When the purchase by the consumer 14 is completed, the retail store 13 charges the purchase amount to the corresponding card company 15 and collects the purchase amount from the card company 15.

  The card company 15 pays the retail store 13 the purchase amount charged from the retail store 13. The card company 15 charges the purchase amount to the consumer 14 and collects the purchase amount from the consumer 14.

  It is also conceivable that the retail store 13 purchases a product ordered using a credit card. In this case, as shown in FIG. 2, the wholesaler 12 has signed a member store contract with a plurality of credit card card companies 21-1 to 21-n owned by the retail store 13.

  In the following, when it is not necessary to distinguish the card companies 21-1 to 21-n, they are simply referred to as the card company 21.

  The retail store 13 individually concludes a credit card membership contract with a predetermined card company among the card companies 21-1 to 21-n, and possesses a credit card issued by the card company. The retail store 13 purchases the ordered product from the wholesale store 12 using a credit card issued by the card company 21.

  At this time, the wholesale store 12 receives an order from the retail store 13, charges the card company 21 for the price of the product purchased by the retail store 13 using a credit card (hereinafter referred to as an order amount), and the order amount is charged to the card. Collect from company 21.

  The card company 21 pays the wholesaler 12 the order amount charged from the wholesaler 12. The card company 21 charges the invoiced order amount to the retail store 13 as an order amount and collects the order amount from the retail store 13.

As shown in FIG. 2, when the retail store 13 purchases a product ordered using a credit card, the wholesaler 12 can receive the order amount from the card company 21, so that the order amount is replaced for a long period of time. There is no need to
JP 2003-216874 A

  However, the card company 21 credits the retail store 13 with respect to the order amount of the product ordered by the wholesale store 12 from the retail store 13 even though the amount is higher than the amount of the individual consumer. Since it does not have enough information to determine whether or not to do so, it is difficult to credit safely. Therefore, many card companies want to conclude membership contracts with the retail stores 13, and as a result, many wholesalers have not been able to settle with credit cards.

  The present invention has been made in view of such a situation, and enables a trader such as a wholesaler to make a safe settlement with a credit card.

  A settlement processing system according to a first aspect of the present invention includes an ordering device that orders products to be sold to consumers, an order receiving device that receives orders for the products, a management device that manages the orders, and a price for the products that the consumer purchases. The terminal device for processing the consumer's credit card used for payment of the product, and the settlement of the product ordered using the credit card of the seller by the seller who sells the product to the consumer In the payment processing system including the sales settlement apparatus that performs the sales settlement process, the ordering apparatus includes ordering means that transmits ordering information that is information related to the product to be ordered to the ordering apparatus, Order information transmitting means for receiving the order information transmitted by the ordering means and transmitting order information corresponding to the order information to the management device An order processing unit that performs order processing, which is processing related to ordering of products corresponding to the order information, in accordance with permission information indicating permission of the order received transmitted from the management device. Order information receiving means for receiving the order information from the order receiving device, first purchase information receiving means for receiving purchase information, which is information relating to a product purchased by the consumer, from the terminal device; Amount sending means for sending an order amount that is the price of the ordered product included in the information and a purchase amount that is the price of the product purchased by the consumer included in the purchase information to the sales settlement apparatus; Credit information receiving means for receiving credit information transmitted from the sales settlement apparatus and indicating whether to credit the seller, and based on the credit information, Permission information transmitting means for transmitting permission information to the order receiving device, wherein the terminal device includes acquisition means for acquiring the purchase information, and first purchase information transmitting means for transmitting the acquired purchase information. And the sales settlement apparatus credits the seller based on the order amount and the purchase amount, the amount receiving means for receiving the order amount and the purchase amount transmitted from the management device. Determination means for determining whether or not, and credit information transmission means for transmitting the credit information representing the result of the determination to the management apparatus.

  In the payment processing system according to the first aspect of the present invention, the purchase price is the amount of goods purchased by the consumer that has not been paid to the seller by the time the order is placed. You can make it a price.

  In the settlement processing system according to the first aspect of the present invention, the sales settlement apparatus is within the purchase price when the settlement company managing the sales settlement apparatus cannot collect the order amount from the seller. The management apparatus is further provided with a deposit processing means for performing processing on the billed amount to be deposited according to the bill, according to the bill. If not charged, a process of withdrawing the purchase amount to the seller is performed. If the charged amount is charged, a process of withdrawing the charged amount to the settlement company; and A withdrawal processing means for performing a process of withdrawing the subtracted amount to the seller can be further provided.

  The payment processing system according to the first aspect of the present invention further includes a consumer payment device that performs a consumer payment process for paying for a product purchased by the consumer using the consumer's credit card, The management device further includes second purchase information transmission means for transmitting the purchase information to the consumer settlement device, and the consumer settlement device receives the purchase information transmitted from the management device. 2 purchase information receiving means and a processing means for performing the consumer settlement process based on the purchase information.

  The management device according to the second aspect of the present invention is a management device that manages orders for products to be sold to a consumer, and receives an order received from the order receiving device that receives an order for the product. Receive purchase information, which is information related to the product purchased by the consumer, from an information receiving means and a terminal device that performs processing on the consumer's credit card used to pay for the product purchased by the consumer. A purchase information receiving means; an order amount that is the price of the ordered product included in the order information; and a purchase amount that is the price of the product purchased by the consumer included in the purchase information. A sales settlement apparatus for performing a sales settlement process for settlement of the price of a product ordered by a seller who sells the product using the credit card of the seller And transmitting permission information indicating permission of the order to the order receiving device based on credit information indicating whether to give credit to the seller transmitted from the sales settlement device. Permission information transmitting means.

  In the management device according to the second aspect of the present invention, the purchase price is the price of a product purchased by the consumer that has not been settled with the seller by the time the order is placed. Can be.

  The management device according to the second aspect of the present invention uses the order amount within the purchase amount as a billing amount when a settlement company that manages the sales settlement device cannot collect the order amount from the seller. In the case where the order settlement amount within the purchase amount is not charged as the charge amount by the sales settlement device that charges the management company that manages the management device and processes the charge amount received according to the charge, the purchase A process of withdrawing the amount of money to the seller, and when the amount of charge is charged, a process of withdrawing the amount of charge to a settlement company that manages the sales settlement apparatus, and the settlement amount from the purchase amount. A withdrawal processing means for performing a process of withdrawing the subtracted amount to the seller can be further provided.

  According to a second aspect of the present invention, there is provided a management method for managing an order for a product to be sold to a consumer. In the management method for managing a product, order information that is information related to the ordered product is received from the order receiving device for receiving the product. Receiving purchase information, which is information about the product purchased by the consumer, from a terminal device that performs processing on the consumer's credit card used for payment of the price of the product purchased by the consumer; Sales for selling the product to the consumer with the order amount that is the price of the ordered product included in the order information and the purchase amount that is the price of the product purchased by the consumer included in the purchase information Sent by the merchant to a sales settlement device that performs a sales settlement process to settle the price of the product ordered using the credit card of the merchant and sent from the sales settlement device Coming to, on the basis of credit information indicating whether to credit to the seller, comprising the step of transmitting the permission information indicating permission of the orders to the order processing apparatus.

  The program according to the second aspect of the present invention is information relating to a product ordered from an order receiving device for receiving the product in a program for causing a computer to perform management processing for managing an order received for a product to be sold to a consumer. Receives order information and receives purchase information, which is information about the product purchased by the consumer, from a terminal device that processes the consumer's credit card used to pay for the product purchased by the consumer Then, the order price that is the price of the ordered product included in the order information and the purchase price that is the price of the product purchased by the consumer included in the purchase information are sent to the consumer. The product is sent to a sales settlement apparatus that performs a sales settlement process for settlement of the price of the product ordered by the seller's credit card. And a management process including a step of transmitting permission information indicating permission of the received order to the order receiving device based on credit information indicating whether to give credit to the seller transmitted from the sales settlement device. To the computer.

  A settlement apparatus according to a third aspect of the present invention is a settlement apparatus that performs a settlement process for settlement of the price of a product ordered using a credit card of the seller by a seller who sells the product to a consumer. Receives an order amount that is the price of the ordered product and a purchase price that is the price of the product purchased by the consumer, which are transmitted from the management device that manages the order of the product ordered by the seller An amount receiving means, a determining means for determining whether to give credit to the seller based on the order amount and the purchase amount, and credit information transmission for transmitting credit information representing a result of the determination to the management device Means.

  In the payment apparatus according to the third aspect of the present invention, when the subtraction amount obtained as a result of subtracting the purchase amount from the order amount is equal to or less than a predetermined amount set in advance, If the subtracted amount is larger than the predetermined amount, it can be determined that the seller is not credited.

  In the payment apparatus according to the third aspect of the present invention, the purchase price is the price of a product purchased by the consumer that has not been paid to the seller by the time the order is placed. Can be.

  The settlement apparatus according to the third aspect of the present invention charges the manager who manages the management apparatus using the order amount within the purchase amount as a billing amount when the order amount cannot be collected from the seller. Further, it is possible to further provide a deposit processing means for performing processing on the bill amount to be deposited according to the bill.

  A settlement method according to a third aspect of the present invention is a settlement method for a settlement apparatus that performs a settlement process for settlement of the price of a product ordered using a credit card of the seller by a seller who sells the product to a consumer. And an order amount that is the price of the ordered product and a purchase price that is the price of the product purchased by the consumer, transmitted from the management device that manages the order of the product ordered by the seller. And determining whether to give credit to the seller based on the order amount and the purchase amount, and transmitting credit information representing the result of the determination to the management device.

  According to a third aspect of the present invention, there is provided a program for causing a computer to perform a settlement process for paying for a product ordered by a seller who sells a product to a consumer using the credit card of the seller. , An order amount that is the price of the ordered product and a purchase price that is the price of the product purchased by the consumer, which is transmitted from the management device that manages the order of the product ordered by the seller Receiving the payment amount based on the order amount and the purchase amount, and determining whether to credit the seller, and transmitting the credit information representing the determination result to the management device to the computer. Let it be done.

  In the first aspect of the present invention, an ordering device that orders a product to be sold to a consumer transmits ordering information, which is information about the ordered product, to the ordering device that receives an order for the product, and the ordering device is an ordering device. In accordance with the permission information indicating the permission of the order received from the management device, the order information corresponding to the order information is transmitted to the management device that manages the order received. An order process that is a process related to an order for a product corresponding to the order information is performed. In addition, the management device receives the order information from the order receiving device, and the information related to the product purchased by the consumer from the terminal device that processes the consumer's credit card used for payment of the price of the product purchased by the consumer The purchase information that is the price of the ordered product included in the order information and the purchase price that is the price of the product purchased by the consumer included in the purchase information are received by the consumer. To the sales settlement device that conducts the sales settlement process that settles the price of the product ordered by the seller's credit card, and is sent from the sales settlement device to the seller Credit information indicating whether or not to credit is received, and permission information is transmitted to the order receiving device based on the credit information. Further, the terminal device acquires the purchase information, transmits the acquired purchase information, and the sales settlement device receives the order amount and the purchase amount transmitted from the management device, and based on the order amount and the purchase amount Whether to give credit to the seller is determined, and credit information representing the result of the determination is transmitted to the management apparatus.

  In the second aspect of the present invention, order information, which is information related to an ordered product, is received from an order receiving device that receives an order for a product to be sold to a consumer, and is used to pay for the product purchased by the consumer. Purchase information, which is information related to a product purchased by the consumer, is received from a terminal device that performs processing on the consumer's credit card, and the order amount that is the price of the ordered product included in the order information and the purchase information Sales settlement processing that settles the price of the product ordered with the seller's credit card by the seller who sells the product to the consumer with the purchase price that is the price of the product purchased by the included consumer Indicates acceptance of an order based on the credit information that is sent to the sales settlement apparatus and sent from the sales settlement apparatus that indicates whether to credit the seller. Yes information is transmitted to the order receiving device.

  In the third aspect of the present invention, the order amount that is the price of the ordered product transmitted from the management device that manages the order of the product ordered by the seller who sells the product to the consumer, and the consumption The purchase price, which is the price of the product purchased by the seller, is received, and it is determined whether or not to give credit to the seller based on the order price and the purchase price, and the credit information indicating the determination result is sent to the management device. Sent.

  As described above, according to the first aspect of the present invention, it is possible to realize a system that can safely settle the price of a product ordered by a seller using a credit card.

  According to the second aspect of the present invention, it is possible to safely manage orders of merchandise by credit cards of sellers.

  According to the third aspect of the present invention, it is possible to safely perform credit determination for the use of a credit card by a seller.

  Embodiments of the present invention will be described below. Correspondences between the constituent elements of the present invention and the embodiments described in the specification or the drawings are exemplified as follows. This description is intended to confirm that the embodiments supporting the present invention are described in the specification or the drawings. Therefore, even if there is an embodiment which is described in the specification or the drawings but is not described here as an embodiment corresponding to the constituent elements of the present invention, that is not the case. It does not mean that the form does not correspond to the constituent requirements. Conversely, even if an embodiment is described here as corresponding to a configuration requirement, that means that the embodiment does not correspond to a configuration requirement other than the configuration requirement. It's not something to do.

  In the settlement processing system according to the first aspect of the present invention, an ordering device (for example, the ordering device 73 in FIG. 4) for ordering a product to be sold to a consumer (for example, the consumer 14 in FIG. 4) and an order for the product are received. An order receiving device (for example, the order receiving device 81 in FIG. 4), a management device for managing the order received (for example, the management server 91 in FIG. 4), and the consumer's price used for payment of the product purchased by the consumer. The terminal device (for example, the terminal device 71 of FIG. 4) that performs processing for a credit card (for example, the card 61 of FIG. 4) and the seller's credit card (for example, the terminal device 71 of FIG. 4) sell the product to the consumer. For example, a settlement processing system including a sales settlement apparatus (for example, settlement server 111 in FIG. 4) that performs a sales settlement process that settles the price of a product ordered using the card 72) in FIG. For example, in the settlement processing system 41) in FIG. 4, the ordering device includes ordering means (for example, the ordering processing unit 232 in FIG. 8) that transmits ordering information that is information related to the product to be ordered to the ordering device. The order receiving device receives the order information transmitted from the ordering means, and receives order information corresponding to the ordering information to the management device (for example, the transmitting unit 235 in FIG. 9). And an order processing means for performing order processing, which is processing related to ordering of products corresponding to the order information, in accordance with permission information indicating permission of the order received transmitted from the management device (for example, the order receiving process in FIG. 9). Processing unit 236), the management device receiving order information receiving means (for example, the order information receiving unit 243 in FIG. 10) for receiving the order information from the order receiving device, and the terminal First purchase information receiving means (for example, purchase information receiving unit 241 in FIG. 10) for receiving purchase information that is information related to the product purchased by the consumer, and an order received in the order information is received. Amount transmission means (for example, the amount transmission in FIG. 10) that transmits the order amount that is the price of the product and the purchase amount that is the price of the product purchased by the consumer included in the purchase information to the sales settlement apparatus. Unit 245), credit information receiving means (for example, credit receiving unit 246 in FIG. 10) for receiving credit information transmitted from the sales settlement apparatus and indicating whether to credit the seller, And a permission information transmitting means (for example, a notification unit 247 in FIG. 10) that transmits the permission information to the order receiving device based on credit information, and the terminal device acquires the purchase information. An acquisition means (for example, the acquisition unit 221 in FIG. 7) and a first purchase information transmission unit (for example, the transmission unit 222 in FIG. 7) for transmitting the acquired purchase information. An amount receiving means (for example, the receiving unit 261 in FIG. 12) for receiving the order amount and the purchase amount transmitted from the management device, and the seller based on the order amount and the purchase amount Judgment means (for example, the credit unit 262 in FIG. 12) for determining whether to credit, and credit information transmission unit (for example, the transmission unit 263 in FIG. 12) for transmitting the credit information representing the result of the judgment to the management device. With.

  In the settlement processing system according to the first aspect of the present invention, the sales settlement apparatus is within the purchase price when the settlement company managing the sales settlement apparatus cannot collect the order amount from the seller. The payment processing means (for example, the processing unit 264 of FIG. 12) is further provided which charges the management company managing the management apparatus as the charged amount of the received order to the management company that manages the management device, and processes the charged amount in accordance with the charged amount. The management device performs a process of withdrawing the purchase amount to the seller when the billed amount is not charged, and a process of withdrawing the billed amount to the settlement company when the charged amount is charged. And a withdrawal processing means (for example, the processing unit 248 in FIG. 10) that performs processing for withdrawing the amount obtained by subtracting the billed amount from the purchase amount to the seller. .

  A settlement processing system according to a first aspect of the present invention is a consumer settlement apparatus (for example, FIG. 1) that performs consumer settlement processing for settlement of the price of a product purchased by the consumer using the consumer's credit card. 4 payment server 101), and the management device further includes second purchase information transmission means (for example, purchase information transmission unit 242 in FIG. 10) for transmitting the purchase information to the consumer payment device, The consumer settlement device receives second purchase information receiving means (for example, the receiving unit 251 in FIG. 11) that receives the purchase information transmitted from the management device, and the consumer based on the purchase information. It is provided with a processing means (for example, the processing unit 254 in FIG. 11) that performs a settlement process.

  The management device according to the second aspect of the present invention is a management device (for example, the management server 91 in FIG. 4) that manages orders for products to be sold to consumers (for example, the consumer 14 in FIG. 4). An order information receiving means (for example, a reception information receiving unit 243 in FIG. 10) for receiving order information that is information relating to the ordered product from the order receiving device for receiving an order, and used for payment of the price of the product purchased by the consumer. Received purchase information, which is information related to a product purchased by the consumer, from a terminal device (for example, the terminal device 71 of FIG. 4) that performs processing on the consumer's credit card (for example, the card 61 of FIG. 4). Purchase information receiving means (for example, the purchase information receiving unit 241 in FIG. 10), an order amount that is the price of the ordered product included in the order information, and the purchase information included in the purchase information The purchase price, which is the price of the product purchased by the consumer, was ordered by the seller who sells the product to the consumer using the credit card of the seller (for example, card 72 in FIG. 4). An amount transmitting means (for example, the amount transmitting unit 245 in FIG. 10) that transmits to a sales settlement apparatus (for example, the settlement server 111 in FIG. 4) that performs a sales settlement process that settles the price of the product, and the sales settlement apparatus. Based on the credit information indicating whether or not to credit the seller, permission information transmitting means for transmitting permission information indicating permission of the order to the order receiving device (for example, the notification unit 247 in FIG. 10). With.

  The second management apparatus according to the present invention is configured such that, when a settlement company that manages the sales settlement apparatus cannot collect the order amount from the dealer, the order amount within the purchase amount is used as a billing amount. In the case where the order settlement amount within the purchase amount is not charged as the charge amount by the sales settlement device that charges the management company that manages the device and processes the charge amount received according to the charge, the purchase amount is Processing to withdraw money to the seller, and when the billed amount is charged, processing to withdraw the billed amount to a settlement company that manages the sales settlement apparatus, and subtracting the settlement amount from the purchase amount A withdrawal processing means (for example, the processing unit 248 in FIG. 10) for performing processing for withdrawing the money amount to the seller is further provided.

  The management method according to the second aspect of the present invention is a management method for a management apparatus (for example, the management server 91 in FIG. 4) that manages orders for products sold to consumers (for example, the consumer 14 in FIG. 4). Order information that is information related to the ordered product is received from the order receiving device (for example, the order receiving device 81 in FIG. 4) for receiving the product (for example, step S71 in FIG. 18), and the product purchased by the consumer is received. Information relating to products purchased by the consumer from a terminal device (for example, the terminal device 71 of FIG. 4) that performs processing on the consumer's credit card (for example, the card 61 of FIG. 4) used for payment. Receive certain purchase information (for example, step S21 in FIG. 16), and receive an order amount that is the price of the ordered product included in the order information, and the consumer included in the purchase information. The purchase price, which is the price of the merchandise entered, is used as the price for the merchandise ordered by the merchant who sells the merchandise to the consumer using the credit card of the merchant (for example, the card 72 in FIG. 4). To the sales settlement apparatus (for example, step S72 in FIG. 18) that performs the sales settlement processing for settlement (for example, step S72 in FIG. 18), to the seller that is transmitted from the sales settlement apparatus A step of transmitting permission information indicating permission of the order to the order receiving device based on credit information indicating whether or not to credit (for example, step S75 in FIG. 18) is included.

  The settlement apparatus according to the third aspect of the present invention settles the price of a product ordered by a seller who sells the product to a consumer (for example, the consumer 14 in FIG. 4) using the credit card of the seller. Sent from a management device (for example, the management server 91 in FIG. 4) that manages the order of the product ordered by the seller in the payment device (for example, the payment server 111 in FIG. 4). Amount receiving means (for example, receiving unit 261 in FIG. 12) for receiving an order amount that is the price of the ordered product and a purchase amount that is the price of the product purchased by the consumer; Based on the purchase amount, a determination unit (for example, the credit unit 262 in FIG. 12) that determines whether or not to give credit to the seller, and credit information that represents the determination result is transmitted to the management device. Information transmitting means (e.g., the transmitting unit 263 of FIG. 12) and a.

  The settlement apparatus according to the third aspect of the present invention charges the manager who manages the management apparatus using the order amount within the purchase amount as a billing amount when the order amount cannot be collected from the seller. Further, a deposit processing means (for example, the processing unit 264 in FIG. 12) that performs processing on the bill amount to be deposited according to the bill is further provided.

  The settlement method according to the third aspect of the present invention settles the price of the product ordered by the seller who sells the product to the consumer (for example, the consumer 14 in FIG. 4) using the credit card of the seller. In the settlement method of the settlement apparatus (for example, the settlement server 111 in FIG. 4) that performs the settlement processing to be performed, it is transmitted from the management apparatus (for example, the management server 91 in FIG. 4) that manages the order of the product ordered by the seller. The received order price that is the price of the ordered product and the purchase price that is the price of the product purchased by the consumer are received (for example, step S81 in FIG. 18), and the received order price and the purchased price. Based on the credit card, it is determined whether or not to give credit to the seller (for example, step S82 in FIG. 18), and credit information representing the determination result is transmitted to the management device (for example, FIG. 18). Step S83) includes the step.

  Hereinafter, specific embodiments to which the present invention is applied will be described in detail with reference to the drawings.

  FIG. 3 is a diagram for explaining the configuration of an embodiment of the payment processing system 41 to which the present invention is applied. The same components as those in FIGS. 1 and 2 are denoted by the same reference numerals, and the description thereof will be omitted as appropriate.

  In the following description, the wholesalers 51-1 to 51-3 are simply referred to as wholesalers 51 when it is not necessary to distinguish them individually. The same applies to the retail stores 52-1 to 52-5.

  In the payment processing system 41 of FIG. 3, the consumer 14 concludes a membership contract with the card company 15 and holds a credit card issued by the card company 15. The retail store 52 concludes a membership contract with the card company 54 and holds a credit card issued by the card company 54. The retail store 52 concludes an individual member store contract with the comprehensive member store 53, and the wholesale store 51 enters into an individual member store contract with the comprehensive member store 53. The card company 15 and the card company 54 conclude a comprehensive member store contract with the comprehensive member store 53.

  The retail stores 52-1 to 52-5 conclude an individual member store contract with the comprehensive member store 53, whereby a plurality of card companies 15-1 to 15-with which the comprehensive member store 53 has concluded the comprehensive member store contract. Since it is possible to become all the member stores of n, it is not necessary to individually conclude a member store contract with a plurality of card companies 15-1 to 15-n.

  When the retailers 52-1 to 52-5 make payments using the credit cards of the card companies 15-1 to 15-n by the consumers 14-1 to 14-5, the retail stores 52-1 to 52-5 use that amount as the comprehensive member store 53. To charge. The comprehensive member store 53 makes a payment corresponding to this bill. The comprehensive member store 53 charges the card companies 15-1 to 15-n for an amount corresponding to the payment to the retail stores 52-1 to 52-5. The comprehensive member store 53 benefits from the difference between the amount charged to the card companies 15-1 to 15-n and the payment amount to the retail stores 52-1 to 52-5.

  The card companies 15-1 to 15-n make payments corresponding to the charges from the comprehensive member store 53, and collect the amounts corresponding to the payments made to the comprehensive member store 53 from the consumers 14-1 to 14-5. To do. The card companies 15-1 to 15-n benefit from the difference between the amount collected from the consumers 14-1 to 14-5 and the amount paid to the comprehensive member store 53.

  In the following, description of profits is omitted for the sake of simplicity.

  In the case of the embodiment of FIG. 3, the wholesaler 51-1 receives an order for goods ordered from the retail store 52-1 and the retail store 52-2, and purchases from the central wholesale market 11-2. Then, wholesaler 51-1 pays the price of the product to central wholesale market 11-2 three days after the purchase date of the ordered product. The wholesaler 51-2 receives the product ordered from the retail store 52-3, purchases the product from the central wholesale market 11-1, and pays the price of the purchased product to the central wholesale three days after the purchase date. Pay to market 11-1.

  The wholesale store 51-3 receives an order for a product ordered from the retail store 52-4 and the retail store 52-5, purchases the product from the central wholesale market 11-3, and purchases it three days after the purchase date. Pay the price of goods to Central Wholesale Market 11-3.

  The retail store 52-1 and the retail store 52-2 purchase the ordered product from the wholesale store 51-1 using the credit card issued by the card company 54. The retail store 52-3 purchases the ordered product from the wholesale store 51-2 using a credit card issued by the card company 54. The retail store 52-4 and the retail store 52-5 use the credit card issued from the card company 54 to purchase the ordered product from the wholesale store 51-3.

  At this time, the wholesaler 51 charges the general member store 53 for the order amount of the product ordered from the retail store 52, and collects the order amount from the general member store 53.

  When the consumer 14 purchases a product from the retail store 52 using a credit card issued by the card company 15, the retail store 52 charges the purchase price of the product purchased by the consumer 14 to the comprehensive member store 53, The purchase amount is collected from the comprehensive member store 53.

  The comprehensive member store 53 pays the wholesaler 51 the order amount charged by the wholesaler 51 three days after the purchase date. Further, the comprehensive member store 53 charges the order amount to the card company 54 and collects the order amount from the card company 54.

  Furthermore, the comprehensive member store 53 has a credit amount that the retail store 52 generated during the predetermined period has the accumulated amount obtained as a result of integrating the purchase amount charged from the retail store 52 for the predetermined period to the comprehensive member store 53. The amount of debt (the amount of debt of the general member store 53 with respect to the retail store 52). The comprehensive member store 53 then pays the debt amount to the retail store 52. Further, the comprehensive member store 53 charges the credit amount paid to the retail store 52 to the card company 15 and collects the debt amount from the card company 15.

  The card company 54 receives the amount information from the comprehensive member store 53, and determines whether to credit the retail store 52 based on the amount information. Also, the card company 54 pays the order amount charged by the comprehensive member store 53 to the comprehensive member store 53. The card company 54 charges the order amount to the retail store 52 as the order amount, and collects the order amount from the retail store 52.

  FIG. 4 is a block diagram showing a configuration example of an embodiment of the payment processing system 41 to which the present invention is applied.

  The consumer 14 in FIG. 4 has a card 61 that is a credit card issued by the card company 15. The card 61 is attached to a terminal device 71 managed by the retail store 52 described later when the consumer 14 purchases a product from the retail store 52.

  The retail store 52 manages the terminal device 71, the card 72, and the ordering device 73.

  When the card 61 is inserted, the terminal device 71 acquires card information that is information related to the card stored in the card 61. The card information includes a card number, information on the card company 15 that issued the card 61, an expiration date of the card 61, and the like.

  In addition, the terminal device 71 acquires purchase information that is information related to a product purchased by the consumer 14 and is input by a clerk of the retail store 52. The purchase information includes a purchase price, a product name, and the like. The terminal device 71 transmits the card information and purchase information to the management server 91 managed by the comprehensive member store 53 described later. Further, the terminal device 71 receives consumer credit information, which is transmitted from the management server 91 and is information indicating whether to credit the consumer 14.

  When the card 72, which is a credit card issued by the card company 54, is installed, the ordering device 73 stores card information such as the card number stored in the card 72 and information relating to the card company 54 that issued the card 72. To get. In addition, the ordering device 73 acquires ordering information that is information related to a product to be ordered in response to a user input. Note that the order information includes the name and number of products to be ordered, the order amount, and the like. The ordering device 73 transmits the card information and the ordering information to the order receiving device 81 managed by the wholesale store 51 described later. Further, the ordering device 73 receives an order error notification indicating rejection of an order or an order permission notification indicating permission of the order from the order receiving device 81.

  The wholesale store 51 manages the order receiving device 81.

  The order receiving device 81 receives the card information and the order information from the ordering device 73 and transmits the order information and the card information corresponding to the order information to the management server 91. The order receiving device 81 receives the order error notification transmitted from the management server 91 and transmits the order error notification to the ordering device 73. Further, the order receiving device 81 receives the order acceptance notification transmitted from the management server 91 and transmits it to the ordering device 73.

  Further, the order receiving device 81 performs an order receiving process that is a process related to the order of the product ordered from the ordering device 73 in response to the order permission notification, and the amount of the order amount received from the comprehensive member store 53 is paid. Deposit process to get the price. When the order processing is performed by the order receiving device 81, the wholesaler 51 purchases the ordered product from the central wholesale market 11 and pays the price for the product three days later.

  The comprehensive member store 53 manages the management server 91.

  The management server 91 receives the card information and purchase information from the terminal device 71, and transmits the card information and purchase information to the payment server 101 of the card company 15 described later. The management server 91 receives the consumer credit information transmitted from the settlement server 101 according to the card information and the purchase information, and transmits the consumer credit information to the terminal device 71.

  In addition, the management server 91 performs a deposit process for the purchase amount deposited from the card company 15. The management server 91 accumulates the purchase amount received from the card company 15 for a predetermined period, and sets the accumulated amount obtained as a result to the credit amount of the retail store 52 (debt amount of the comprehensive member store 53).

  Further, the management server 91 receives card information and order information from the order receiving device 81. The management server 91 transmits the card information to the settlement server 111 managed by the card company 54, which will be described later, and transmits the amount information and the card information to the settlement server 111 as the amount information of the credit amount and the order amount included in the order information. To do. The management server 91 receives retail store credit information, which is transmitted from the settlement server 111 according to the money amount information and the card information, and represents whether or not to credit the retail store 52, and according to the retail store credit information. Then, an order error notification or an order permission notification is transmitted to the order receiving device 81.

  In addition, the management server 91 performs a withdrawal process, which is a process of withdrawing the money, for the price of the order amount withdrawn to the wholesale store 51. The management server 91 performs deposit processing for the order amount from the card company 54.

  The card company 15 manages the payment server 101.

  The settlement server 101 receives the card information and purchase information of the card 61 from the management server 91, and determines whether to give credit to the consumer 14 based on the card information and purchase information. Then, the settlement server 101 transmits consumer credit information representing the determination result to the management server 91. Further, the settlement server 101 performs a withdrawal process of the purchase amount to the comprehensive member store 53 and performs a process of charging the purchase amount to the consumer 14. The billing process is, for example, a process of transmitting a bill for the billed amount. Further, the settlement server 101 performs a payment process for the purchase amount received from the consumer 14 in response to the request.

  The card company 54 manages the payment server 111.

  The settlement server 111 receives the card information and amount information of the card 72 from the management server 91, and determines whether or not to give credit to the retail store 52 based on the card information and amount information. Then, the settlement server 111 transmits retail credit information representing the determination result to the management server 91. The settlement server 111 performs a withdrawal process of the order amount to the comprehensive member store 53 and performs a billing process for the order amount corresponding to the order amount to the retail store 52. Further, the settlement server 101 performs a depositing process for the order amount deposited from the retail store 52 in response to the request.

  FIG. 5 is a block diagram illustrating a configuration example of the terminal device 71 of FIG.

  5 includes an IC card I / F unit 121, an input unit 122, a memory 123, a card reader 124, a control unit 125, a display 126, a communication unit 127, and a printer 128.

  The IC card I / F unit 121 reads various types of information from the IC chip provided on the card 61 and supplies the information to the control unit 125 or writes various types of information supplied from the control unit 125 to the IC chip. The input unit 122 includes, for example, a barcode reader, a registration key, a numeric keypad, and the like. The input unit 122 is used, for example, when a clerk of the retail store 52 inputs purchase information. The input unit 122 supplies the input purchase information to the control unit 125.

  The memory 123 appropriately stores programs executed by the control unit 125 and data. The card reader 124 reads out card information stored in the card 61 and supplies it to the control unit 125 when the card 61 is inserted. When the card information is stored in the IC chip of the card 61, the card information is read by the IC card I / F unit 121.

  The control unit 125 performs various processes by executing programs stored in the memory 123. For example, the control unit 125 supplies card information supplied from the card reader 124 and purchase information supplied from the input unit 122 to the communication unit 127.

  In addition, the control unit 125 supplies the purchase information supplied from the input unit 122 to the display 126 for display. Furthermore, the control unit 125 generates video data of a permission message indicating purchase permission or an error message indicating purchase refusal according to the consumer credit information supplied from the communication unit 127 and supplies the video data to the display 126. By doing so, a permission message or an error message is displayed on the display 126. Further, the control unit 125 supplies purchase information, information about the card company 15 and the like to the printer 128 according to the consumer credit information, and prints a receipt describing the information.

  The display 126 displays purchase information supplied from the control unit 125. The display 126 displays a permission message or an error message based on the video data supplied from the control unit 125.

  The communication unit 127 communicates with the management server 91 via the Internet (not shown) or other networks. For example, the communication unit 127 transmits card information and purchase information supplied from the control unit 125 to the management server 91. Further, the communication unit 127 receives the consumer credit information transmitted from the management server 91 and supplies it to the control unit 125. Based on the purchase information supplied from the control unit 125, information on the card company 15, and the like, the printer 128 prints a receipt describing the information.

  FIG. 6 is a block diagram illustrating a configuration example of the ordering apparatus 73 in FIG.

  In the ordering apparatus 73 of FIG. 6, a CPU (Central Processing Unit) 201 executes various processes according to a program stored in a ROM (Read Only Memory) 202 or a storage unit 208. A RAM (Random Access Memory) 203 appropriately stores programs executed by the CPU 201 and data. The CPU 201, ROM 202, and RAM 203 are connected to each other via a bus 204.

  An input / output interface 205 is also connected to the CPU 201 via the bus 204. Connected to the input / output interface 205 are a card reader for reading out card information from the loaded card 72, an input unit 206 such as a keyboard, a mouse, and a microphone, and an output unit 207 such as a display and a speaker. The CPU 201 executes various processes in response to commands input from the input unit 206. Then, the CPU 201 outputs the processing result to the output unit 207.

  The storage unit 208 connected to the input / output interface 205 includes, for example, a hard disk, and stores programs executed by the CPU 201 and various data. This program may be acquired from an external device by the communication unit 209. The communication unit 209 communicates with an external device via a network such as the Internet or a local area network.

  The drive 210 connected to the input / output interface 205 drives a removable medium 211 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, and drives programs and data recorded there. Get etc. The acquired program and data are transferred to and stored in the storage unit 208 as necessary.

  The order receiving device 81, the management server 91, the settlement server 101, and the settlement server 111 of FIG. 4 are configured in the same manner as the ordering device 73 of FIG. However, in the order receiving device 81, the management server 91, the settlement server 101, and the settlement server 111, a card reader is not necessarily provided as the input unit 206.

  FIG. 7 is a block diagram illustrating a functional configuration example of the terminal device 71.

  The terminal device 71 in FIG. 7 includes an acquisition unit 221, a transmission unit 222, and a reception unit 223. The acquisition unit 221 corresponds to, for example, the IC card I / F unit 121, the input unit 122, and the card reader 124 in FIG. 5, and the transmission unit 222 and the reception unit 223 correspond to, for example, the communication unit 127. is doing. Further, in FIG. 7, each unit can exchange information with each other as necessary. The same applies to FIGS. 8 to 12 described later.

  The acquisition unit 221 acquires card information stored in the card 61 attached to the terminal device 71 and supplies the card information to the transmission unit 222. In addition, the acquisition unit 221 acquires purchase information input by a clerk of the retail store 52 and supplies the purchase information to the transmission unit 222.

  The transmission unit 222 transmits the card information and purchase information supplied from the acquisition unit 221 to the management server 91. The transmission unit 222 transmits a purchase notification indicating that the consumer 14 has purchased a product to the management server 91 in accordance with the consumer credit information supplied from the reception unit 223. The receiving unit 223 receives the consumer credit information transmitted from the management server 91 and supplies it to the transmitting unit 222.

  FIG. 8 is a block diagram illustrating a functional configuration example of the ordering device 73.

  The ordering device 73 in FIG. 8 includes an acquisition unit 231 and an ordering processing unit 232. The acquisition unit 231 corresponds to, for example, the input unit 206 in FIG. 6, and the order processing unit 232 corresponds to, for example, the CPU 201 and the communication unit 209.

  The acquisition unit 231 acquires card information stored in the card 72 attached to the ordering device 73 and supplies the card information to the ordering processing unit 232. In addition, the acquisition unit 231 acquires order information input by a clerk of the retail store 52 and supplies the order information to the order processing unit 232.

  The order processing unit 232 transmits the card information and the order information supplied from the acquisition unit 231 to the order receiving device 81. Further, the order processing unit 232 receives an order error notification or an order permission notification from the order receiving device 81. The order processing unit 232 displays an error message indicating rejection of the order on the output unit 207 in response to the order error notification, and causes the output unit 207 to display an permission message indicating permission of the order in response to the order permission notification.

  FIG. 9 is a block diagram illustrating a functional configuration example of the order receiving device 81.

  The order receiving device 81 in FIG. 9 includes a transmission unit 235 and an order processing unit 236. The transmission unit 235 corresponds to, for example, the communication unit of the order receiving device 81, and the order processing unit 236 corresponds to, for example, the CPU and the communication unit of the order receiving device 81.

  The transmission unit 235 receives the card information and the ordering information transmitted from the ordering processing unit 232 of the ordering device 73 and supplies the ordering information corresponding to the ordering information to the ordering processing unit 236. The transmission unit 235 transmits the order information corresponding to the order information to the management server 91 together with the card information.

  The order processing unit 236 receives the order error notification transmitted from the management server 91 and transmits it to the order processing unit 232 of the ordering device 73. In addition, the order processing unit 236 receives the order acceptance notification transmitted from the management server 91 and transmits it to the order processing unit 232 of the ordering device 73. Further, the order processing unit 236 performs an order process for the product corresponding to the order information supplied from the transmission unit 235 in response to the order permission notification, and performs a process for depositing the order amount from the general member store 53.

  FIG. 10 is a block diagram illustrating a functional configuration example of the management server 91.

  10 includes a purchase information receiving unit 241, a purchase information transmitting unit 242, an order information receiving unit 243, a calculating unit 244, an amount transmitting unit 245, a credit receiving unit 246, a notification unit 247, and a processing unit 248. Is done. Note that the purchase information reception unit 241, the purchase information transmission unit 242, the order information reception unit 243, the amount transmission unit 245, the credit reception unit 246, and the notification unit 247 correspond to the communication unit of the management server 91, for example, and the calculation unit 244 The processing unit 248 corresponds to the CPU of the management server 91, for example.

  The purchase information receiving unit 241 receives card information and purchase information transmitted from the transmission unit 222 of the terminal device 71. The purchase information receiving unit 241 supplies the card information and purchase information to the purchase information transmitting unit 242, and supplies the purchase amount included in the purchase information to the calculating unit 244. Further, the purchase information receiving unit 241 receives the purchase notification transmitted from the transmission unit 222 of the terminal device 71 and supplies the purchase notification to the purchase information transmitting unit 242.

  The purchase information transmission unit 242 transmits the card information and purchase information of the card 61 supplied from the purchase information reception unit 241 to the settlement server 101. Further, the purchase information transmission unit 242 transmits the purchase notification supplied from the purchase information reception unit 241 to the settlement server 101.

  The order information receiving unit 243 receives the card information and the order information from the order processing unit 236 of the order receiving device 81, and supplies the card information and the order amount included in the order information to the amount transmitting unit 245.

  The calculation unit 244 accumulates the purchase amount supplied from the purchase information receiving unit 241 for a predetermined period, and sets the accumulated amount obtained as a result of the accumulation as a receivable amount (debt amount). Then, the calculation unit 244 supplies the set credit amount (debt amount) to the amount transmission unit 245 and the processing unit 248.

  The amount transmitting unit 245 transmits the order amount supplied from the order information receiving unit 243 and the amount of debt (debt amount) supplied from the calculating unit 244 to the settlement server 111 as amount information together with the card information of the card 72. .

  The credit receiving unit 246 receives the consumer credit information transmitted from the settlement server 101 according to the card information and purchase information transmitted by the purchase information transmitting unit 242, and receives the consumer credit information of the terminal device 71. Transmit to the receiver 223. In addition, the credit receiving unit 246 receives retail store credit information transmitted from the settlement server 111. The credit receiving unit 246 supplies an order error notification or an order acceptance notification to the notification unit 247 according to the retail store credit information. Further, the credit receiving unit 246 supplies the retail store credit information to the processing unit 248.

  The notification unit 247 transmits the order error notification or the order permission notification supplied from the credit receiving unit 246 to the order processing unit 236 of the order receiving device 81.

  The processing unit 248 performs withdrawal processing of the order amount to the wholesale store 51 according to the retail store credit information supplied from the credit receiving unit 246. Further, the processing unit 248 performs deposit processing for the order amount from the card company 54. Further, the processing unit 248 performs a withdrawal process of the amount charged to the card company 54 in accordance with the billing process for the order amount within the credit amount by the settlement server 111. Further, the processing unit 248 performs a process of withdrawing the settlement amount to the retail store 52 based on the amount of receivable supplied from the calculation unit 244. The settlement amount is an amount obtained by subtracting the order amount within the amount of the receivable from the amount of the receivable.

  On the other hand, when the payment server 111 does not process the order amount within the amount of receivable (when the card company 54 can collect the order amount from the retail store 52), the processing unit 248 sends the order to the retail store 52. The withdrawal amount of the receivables is processed.

  FIG. 11 is a block diagram illustrating a functional configuration example of the settlement server 101.

  The settlement server 101 in FIG. 11 includes a reception unit 251, a credit unit 252, a transmission unit 253, and a processing unit 254. The reception unit 251 and the transmission unit 253 correspond to, for example, the communication unit of the settlement server 101, and the credit unit 252 and the processing unit 254 correspond to, for example, the CPU of the settlement server 101.

  The receiving unit 251 receives card information and purchase information transmitted from the purchase information transmitting unit 242 of the management server 91 and supplies the card information and purchase information to the credit unit 252.

  The credit unit 252 determines whether to credit the consumer 14 based on the card information and purchase information supplied from the receiving unit 251. Specifically, the credit unit 252 can credit the consumer 14 with the purchase date included in the purchase information, for example, whether the current date is within the expiration date of the card 61 included in the card information. Whether or not to credit the consumer 14 is determined based on whether or not the amount is within a consumer creditable amount preset as a certain amount. The credit unit 252 supplies consumer credit information representing the determination result to the transmission unit 253.

  The transmission unit 253 transmits the consumer credit information supplied from the credit unit 252 to the credit reception unit 246 of the management server 91. The processing unit 254 performs a withdrawal process of the purchase amount to the comprehensive member store 53. Further, the processing unit 254 performs a billing process for the purchase amount for the consumer 14. Furthermore, the processing unit 254 performs a payment process for the purchase amount received from the consumer 14 in response to the request.

  FIG. 12 is a block diagram illustrating a functional configuration example of the settlement server 111.

  The settlement server 111 in FIG. 12 includes a reception unit 261, a credit unit 262, a transmission unit 263, and a processing unit 264. The reception unit 261 and the transmission unit 263 correspond to, for example, a communication unit of the settlement server 111, and the credit unit 262 and the processing unit 264 correspond to, for example, a CPU of the settlement server 111.

  The receiving unit 261 receives the card information and the amount information transmitted from the amount transmitting unit 245 of the management server 91, and supplies the card information and the amount information to the credit unit 262.

  The credit unit 262 determines whether to credit the retail store 52 based on the card information and the amount information supplied from the receiving unit 261. Specifically, for example, the credit unit 262 determines whether the current date is within the expiration date of the card 72 included in the card information, the order amount included in the amount information is the credit amount of the retail store 52, Whether or not to give credit to the retail store 52 is determined based on whether or not it is within an amount obtained by adding a retail creditable amount preset as a creditable amount to the retail store 52. The credit unit 262 supplies retail credit information representing the determination result to the transmission unit 263 and the processing unit 264.

  The transmission unit 263 transmits the retail credit information supplied from the credit unit 262 to the credit reception unit 246 of the management server 91. The processing unit 264 performs a withdrawal process of the order amount to the comprehensive member store 53 according to the retail credit information supplied from the credit unit 262. Further, the processing unit 264 performs billing processing for the order amount corresponding to the order amount with respect to the retail store 52.

  When there is no deposit of the order amount from the retail store 52, the processing unit 264 performs a billing process for the order amount within the credit amount of the retail store 52 to the management server 91. In response to the billing process, the processing unit 264 performs a deposit process for an order amount within the amount of the credit received as a bill amount from the comprehensive member store 53. On the other hand, when there is a deposit of the order amount from the retail store 52, the processing unit 264 performs a deposit process of the order amount from the retail store 52.

  Next, with reference to FIG. 13, the timing of exchange of prices at the wholesale store 51, the retail store 52, the comprehensive member store 53, and the card company will be described. In addition, the horizontal axis of FIG. 13 represents the date.

  In the following, the comprehensive member store 53 collectively pays the purchase price of the products purchased by the consumer 14 at the retail store 52 from the 1st to the 15th of each month to the retail store 52 at the end of the month, The purchase price of the products purchased at the retail store 52 from the 16th of the month to the end of the month is collectively paid on the 15th of the following month.

  In addition, the card company 54 collects the order amount corresponding to the order amount of the products ordered by the retail store 52 from the 1st to the 15th of each month, and pays the comprehensive member store 53 at the end of the month. It is assumed that the order amount corresponding to the order amount of the products ordered by the retail store 52 from the 16th to the end of the month is paid together on the 15th of the following month.

  It is assumed that the consumer 14 pays the price of the products purchased at the retail store 52 by the end of each month to the card company 15 at the end of the next month.

  Furthermore, in the following, when it is not necessary to distinguish the period from the first day to the 15th of each month and the period from the 16th to the end of the month, they are collectively referred to as a half-year.

  In the example of FIG. 13, the retail store 52 places an order using the card 72 between February 1 and February 15. When the wholesaler 51 receives the ordered product and purchases the product from the central wholesale market 11, the comprehensive member store 53 pays the wholesaler 51 the order amount of the product three days after the purchase date. . Thereby, the wholesale store 51 can pay the price of the purchased goods to the central wholesale market 11 three days after the purchase date using the order amount collected from the comprehensive member store 53. Therefore, the wholesale store 51 does not need to change the order amount. As a result, the wholesaler 51 can receive a higher order.

  On February 15, the comprehensive member store 53 pays the retail store 52 the purchase price of the product purchased at the retail store 52 from January 15 to the end of January. However, by February 15, the card company 54 collects from the retail store 52 the order amount of goods purchased from February 1 to February 15 which is the half-year immediately before February 15 If this is not possible, the comprehensive member store 53 uses the purchase amount for the six months scheduled to be paid to the retail store 52 on February 15 as the credit amount of the retail store 52 (debt amount of the comprehensive member store 53). The order amount corresponding to the order amount within the debt amount) that cannot be collected is paid to the card company 54, and the settlement amount (the difference between the claim amount and the order amount) is paid to the retail store 52.

  Thereafter, at the end of February, the card company 54 pays the general merchant 53 the order value of the product ordered by the wholesaler 51 from February 1st to February 15th.

  Next, with reference to FIG. 14, the amount of receivable will be described. In FIG. 14, the horizontal axis represents the date and the vertical axis represents the amount.

  As shown in FIG. 14, the credit amount of the retail store 52 with respect to the comprehensive member store 53 is an integrated value of the purchase amount every six months. The amount of this receivable is the amount of the order amount that cannot be collected from the retail store 52 for the half-year immediately after the corresponding half-year, that is, the period immediately after the corresponding half-year until the amount of the receivable is settled. Used for. That is, it is an object of offset. Specifically, the amount of receivables for the first half of each month from the 1st to the 15th is the order amount that cannot be collected for the first half of the month, from the 16th to the end of the same month. Used for recovery. In addition, the amount of receivables for the six months from the 16th to the end of the month of each month is used to collect the order amounts that cannot be collected for the six months from the 1st to the 15th of the following month. Used.

  Next, with reference to FIG. 15, the determination of whether or not to give credit to the retail store 52 performed by the credit unit 262 of the settlement server 111 of FIG. 12 will be described.

  In FIG. 15, the horizontal axis represents the type of order received, and the vertical axis represents the amount of money. In FIG. 15, it is assumed that the current date is within the expiration date of the card 72 included in the card information.

  In the example of FIG. 15, when the order amount is the first order amount, the first order amount is not settled from the general member store 53 to the retail store 52 by the order date. Less than the amount of receivables for the previous half year. In this case, even if collection from the retail store 52 is impossible, the card company 54 collects the order amount of the first order from the credit amount that the retail store 52 has with the comprehensive member store 53. Therefore, the credit unit 262 determines that the first order amount is credited to the retail store 52.

  Further, when the order amount is the second order amount, the second order amount corresponds to the half-year immediately before the order date, in which payment has not been made from the general member store 53 to the retail store 52 by the order date. And not more than the sum of the amount of the credit and the retail creditable amount. In this case, even if the collection from the retail store 52 is impossible, the comprehensive member store 53 can collect at least the amount of the credit that the retail store 52 has with respect to the comprehensive member store 53. The card company 54 may use an amount equal to or larger than the amount of the receivable in the second order amount as the credit amount. This credit amount is an amount within the retail creditable amount. Accordingly, the credit unit 262 determines to credit the second order amount to the retail store 52.

  Further, when the order amount is the third order amount, the third order amount is the half-year immediately before the order date when settlement has not been made to the retail store 52 from the general member store 53 by the order date. It is larger than the sum of the amount of receivables and the retail creditable amount. In this case, if collection from the retail store 52 is impossible, the card company 54 collects the amount of the credit amount that the retail store 52 has from the comprehensive member store 53 from the comprehensive member store 53. The credit amount is larger than the retail creditable amount. Therefore, the credit unit 262 determines that the third order amount is not credited to the retail store 52.

  As described above, the credit unit 262 performs the retail based on the amount of receivable that has not been settled from the comprehensive member store 53 to the retail store 52 by the order date, that is, the amount that can be collected from the comprehensive member store 53. Since it is determined whether or not credit is given to the store 52, the credit can be determined more safely. As a result, the price of the product ordered by the retailer using the card 72 can be settled safely.

  Next, processing in the payment processing system 41 when the consumer 14 purchases a product using the card 61 will be described with reference to FIG. This process is started, for example, when purchase information is input and the card 61 is inserted into the terminal device 71.

  In step S <b> 11, the transmission unit 222 of the terminal device 71 transmits the card information and purchase information of the card 61 acquired by the acquisition unit 221 to the management server 91.

  In step S <b> 21, the purchase information reception unit 241 of the management server 91 receives the card information and purchase information transmitted from the transmission unit 222 of the terminal device 71, and sends the received card information and purchase information to the purchase information transmission unit 242. Supply. In step S <b> 22, the purchase information transmission unit 242 transmits the card information and purchase information supplied from the purchase information reception unit 241 to the settlement server 101.

  In step S <b> 31, the receiving unit 251 of the settlement server 101 receives the card information and purchase information transmitted from the purchase information transmitting unit 242 of the management server 91 and supplies them to the credit unit 252.

  In step S <b> 32, the credit unit 252 determines whether to credit the consumer 14 based on the card information and purchase information supplied from the receiving unit 251. Then, the credit unit 252 supplies consumer credit information representing the determination result to the transmission unit 253. In step S <b> 33, the transmission unit 253 transmits the consumer credit information supplied from the credit unit 252 to the management server 91.

  In step S <b> 23, the credit receiving unit 246 of the management server 91 receives the consumer credit information transmitted from the transmitting unit 253 of the settlement server 101. In step S <b> 24, the credit receiving unit 246 transmits the consumer credit information to the terminal device 71.

  In step S <b> 12, the receiving unit 223 of the terminal device 71 receives the consumer credit information transmitted from the credit receiving unit 246 of the management server 91 and supplies it to the transmitting unit 222. In step S13, the transmission unit 222 determines whether or not the consumer 14 has been credited by the payment server 101 based on the consumer credit information. If it is determined that the consumer 14 has not been credited, in step S14, the transmission unit 222 An error message indicating rejection of purchase is displayed on the display 126. At this time, the purchase of the product using the card 61 by the consumer 14 is rejected.

  On the other hand, if it is determined in step S13 that the consumer 14 has been credited by the payment server 101, in step S15, the transmission unit 222 causes the display 126 to display a permission message indicating purchase permission, and sends a purchase notification to the management server. 91. At this time, the product is delivered to the consumer 14.

  In step S <b> 25, the purchase information reception unit 241 of the management server 91 receives the purchase notification transmitted from the transmission unit 222 of the terminal device 71 and supplies the purchase notification to the purchase information transmission unit 242. In step S <b> 26, the purchase information transmission unit 242 transmits the purchase notification supplied from the purchase information reception unit 241 to the settlement server 101.

  In step S <b> 34, the receiving unit 251 of the settlement server 101 receives a purchase notification from the purchase information transmitting unit 242 of the management server 91 and supplies it to the processing unit 254. In step S <b> 35, the processing unit 254 performs a withdrawal process for the purchase amount to the comprehensive member store 53 in accordance with the purchase notification supplied from the receiving unit 251. This process takes place on average 30 to 45 days later.

  In step S <b> 36, the processing unit 254 charges the purchase amount for the consumer 14. This process is performed at the end of the month following the end of the month. In step S <b> 37, the processing unit 254 performs a payment process from the consumer 14 according to the charge for the purchase amount.

  In step S27, the processing unit 248 of the management server 91 performs a deposit process from the card company 54 for the purchase amount corresponding to the withdrawal process of the card company 54 in step S35. In step S28, the calculation unit 244 determines whether or not the current date and time is the date and time when payment is made to the retail store 52 (in this case, the 15th day of each month or a predetermined time at the end of the month). If it is determined in step S28 that the current date / time is not the settlement date / time, the calculation unit 244 further adds the purchase amount to the accumulated amount of the retail store 52 so far in step S29.

  On the other hand, if it is determined in step S28 that the current date and time is the settlement date and time, the management server 91 performs a settlement process for settlement to the retail store 52 in step S30. The details of the settlement process are shown in FIG.

  Next, with reference to FIG. 17, the settlement process in step S30 in FIG. 16 will be described.

  In step S41, the calculation unit 244 of the management server 91 uses the accumulated amount of the purchase amount immediately before the settlement date accumulated in step S29 as the credit amount of the retail store 52 (for the retail store 52 of the comprehensive member store 53). Debt amount), and the amount of the credit is supplied to the amount transmitter 245 and the processor 248. Then, the calculation unit 244 resets the accumulated amount so far.

  In step S42, since the card company 54 cannot collect the order amount from the retail store 52, the processing unit 248 determines whether or not an uncollected order amount within the previous receivable amount has been charged as the invoice amount from the card company 54. That is, in step S88 of FIG. 18 to be described later, whether or not the settlement server 111 has performed billing processing (uncollected billing processing) of the uncollected order amount within the previous credit amount with respect to the comprehensive member store 53. Determine.

  If it is determined in step S42 that an uncollected order amount within the amount of receivable is not charged as a billing amount from the card company 54 (no uncollected portion exists), in step S43, the processing unit 248 The process of withdrawing the credit amount to 52 is performed, and the process ends.

  On the other hand, if it is determined in step S42 that an uncollected order amount within the amount of receivable has been charged as a billed amount from the card company 54 (if there is an uncollected portion), in step S44, the processing unit 248 The withdrawal process of the amount charged to the company 54 is performed. As a result, the card company 54 can collect the order amount within the amount of the receivable amount from the comprehensive member store 53 instead of from the retail store 52.

  In step S45, the processing unit 248 subtracts the amount charged from the amount of receivable supplied from the calculation unit 244, and sets the amount obtained as a result as the settlement amount. In step S46, the processing unit 248 performs a process for withdrawing the payment amount to the retail store 52, and the process ends. That is, the comprehensive member store 53 collects the amount paid to the card company 54 in step S44 by offsetting from the credits that the retail store 52 has to the comprehensive member store 53.

  Next, processing in the payment processing system 41 when the retail store 52 places an order using the card 72 will be described with reference to FIG. This process is started, for example, when ordering information is input and the card 72 is loaded in the ordering device 73.

  In step S 51, the order processing unit 232 transmits the card information and order information acquired by the acquisition unit 231 to the order receiving device 81.

  In step S <b> 61, the transmission unit 235 of the order receiving device 81 receives the card information and the order information transmitted from the order processing unit 232 of the ordering device 73. In step S <b> 62, the transmission unit 235 supplies the order information corresponding to the order information to the order processing unit 236 and transmits the card information and the order information corresponding to the order information to the management server 91.

  In step S 71, the order information receiving unit 243 of the management server 91 receives the card information and the order information from the transmitting unit 235 of the order receiving device 81 and supplies the card information and the order amount included in the order information to the amount transmitting unit 245. To do. In step S72, the money amount sending unit 245 sends the order money amount supplied from the order information receiving unit 243 and the bond amount supplied from the calculation unit 244 to the settlement server 111 as money information together with the card information.

  In step S81, the receiving unit 261 of the settlement server 111 receives the card information and the amount information from the amount transmitting unit 245 of the management server 91, and supplies the card information and the amount information to the credit unit 262. In step S <b> 82, the credit unit 262 determines whether to credit the retail store 52 based on the card information and the amount information supplied from the receiving unit 261. As described with reference to FIG. 15, credit is given when the order amount is the first order amount or the second order amount, and credit is given when the order amount is the third order amount. I can't. Then, the credit unit 262 supplies retail credit information representing the determination result to the transmission unit 263 and the processing unit 264.

  In step S <b> 83, the transmission unit 263 transmits the retail credit information supplied from the credit unit 262 to the management server 91. In step S84, the processing unit 264 determines whether credit has been given to the retail store 52 based on the retail credit information. If it is determined in step S84 that credit is not given to the retail store 52, the process ends.

  On the other hand, if it is determined in step S84 that credit has been given to the retail store 52, the processing unit 264 performs a withdrawal process of the order amount to the comprehensive member store 53 in step S85. In step S <b> 86, the processing unit 264 performs billing processing for the order amount corresponding to the order amount with respect to the retail store 52. That is, a charge is made to collect from the retail store 52 the order amount paid to the comprehensive member store 53 in step S85.

  In step S87, the processing unit 264 determines whether or not there is a deposit from the retail store 52 for the amount charged in step S86, and when it is determined that there is no deposit, that is, the order amount paid to the comprehensive member store 53 is stored in the retail store. If it cannot be collected from the store 52, in step S88, the processing unit 264 performs a billing process for an uncollected order amount within the amount of the receivable for the comprehensive member store 53.

  Since the card company 54 concludes a comprehensive member store contract with the comprehensive member store 53, as described with reference to FIG. The comprehensive member store 53 guarantees the amount of the receivable held by the comprehensive member store 53. Therefore, if the card company 54 cannot collect from the retail store 52, the credit card amount of the first order amount or the second order amount in FIG. The order amount) can be billed to the general merchant 53, which is billed here. With this guarantee, the card company 54 can easily issue a credit card by signing a membership contract with the retail store 52.

  When the billing in step S88 is performed, as described above, it is determined in step S42 in FIG. 17 that an uncollected order amount within the amount of the claim has been billed. In step S44 in FIG. The company 54 is paid for the charge.

  In step S89, the processing unit 264 performs a deposit process from the comprehensive member store 53 for the billed amount corresponding to the withdrawal process performed in step S46 of FIG. 17, and ends the process. On the other hand, if it is determined in step S87 that payment has been received from the retail store 52, that is, if no uncollected portion has been generated, the processing unit 264 performs payment processing from the retail store 52 for the order amount in step S90. To finish the process.

  In step S <b> 73, the credit receiving unit 246 of the management server 91 receives retail store credit information from the transmission unit 263 of the settlement server 111 and supplies the retail store credit information to the processing unit 248. In step S74, the credit receiving unit 246 determines whether or not the retail store 52 has been credited by the settlement server 111 based on the retail store credit information. If the credit receiving unit 246 determines that the credit is not credited, the credit receiving unit 246 An error notification is supplied to the notification unit 247. The notification unit 247 transmits an order error notification to the order receiving device 81.

  In step S <b> 63, the order receiving processing unit 236 of the order receiving device 81 receives an order error notification from the credit receiving unit 246 of the management server 91. In step S 64, the order processing unit 236 transmits the order error notification to the ordering device 73.

  In step S 52, the order processing unit 232 of the ordering device 73 receives an order error notification from the order processing unit 236 of the order receiving device 81. In step S53, the order processing unit 232 causes the output unit 207 to display an error message indicating the rejection of the order. Therefore, the retail store 52 can know that payment by the card 72 cannot be made.

  On the other hand, if it is determined in step S74 that the retail store 52 has been credited by the settlement server 111, the credit receiving unit 246 supplies an order acceptance notification to the notification unit 247, and in step S75, the credit receiving unit 246 of the management server 91. Transmits an order acceptance notice to the order receiving device 81. In step S <b> 76, the processing unit 248 performs withdrawal processing of the order amount to the wholesale store 51 three days after the purchase date by the wholesale store 51. In step S77, the processing unit 248 performs a deposit process from the card company 54 for the order amount corresponding to the withdrawal process performed in step S85.

  In step S <b> 65, the order receiving processing unit 236 of the order receiving device 81 receives the order acceptance notification transmitted from the credit receiving unit 246 of the management server 91. In step S 66, the order acceptance notification is transmitted to the ordering device 73.

  In step S <b> 67, the order reception processing unit 236 performs order processing for a product corresponding to the order information supplied from the transmission unit 235. As the order receiving process, for example, there is a process of storing the order receiving information in the storage unit as purchase information that is information on a product to be purchased. The wholesale store 51 purchases the ordered product from a predetermined central wholesale market 11 in accordance with the purchase information.

  As described above, when it is determined that credit is given to a retailer, the reception processing unit 236 performs reception processing, so that orders for merchandise can be managed more safely.

  In step S68, in response to the withdrawal process performed by the management server 91 in step S76, the order processing unit 236 performs a deposit process from the general member store 53 for the order amount three days after the purchase date. The wholesaler 51 pays for the goods purchased in the central wholesale market 11 on the same day using the order amount.

  In step S54, the order processing unit 232 of the ordering device 73 receives the order permission notification from the order processing unit 236 of the order receiving device 81, and causes the output unit 207 to display a permission message indicating permission for ordering. Thereby, the retail store 52 can know that the order by the card 72 has been performed.

  As described above, in the settlement processing system 41 of FIG. 4, when the settlement server 111 is larger than the sum of the amount of receivables for the six months immediately preceding the order date and the retail creditable amount, When the credit card company 54 cannot collect the order amount from the retail store 52 in the case where the credit card is not credited and is small, the management server 91 issues an uncollected order amount within the amount of the claim to the card company 54. Perform gold processing. Thereby, the card company 54 does not have to pay an amount larger than the amount within the retail creditable amount. Therefore, membership contracts can be concluded with many retail stores 52 safely.

  At this time, the management server 91 performs a withdrawal process for the settlement amount obtained as a result of subtracting the uncollected order amount within the amount of receivable from the amount of receivable with respect to the retail store 52. In other words, the management server 91 uses the credit card that the general member store 53 has with respect to the retail store 52 and the consumer 14 use the card 61 that is generated when the card company 54 cannot collect the order amount from the retail store 52. By offsetting the credits that the retail store 52 has with respect to the comprehensive member store 53, which are generated by purchasing the product, the credits that the comprehensive member store 53 has with respect to the retail store 52 are collected. Therefore, the comprehensive member store 53 can perform a safe transaction.

  In the above description, the purchase amount and the order amount are paid together for half a year. However, the time period for collection is not limited to a half year. When the period for collecting the order amount is short, the probability that the order amount cannot be collected from the retail store 52 due to the bankruptcy of the retail store 52 decreases, so the risk that the card company 54 bears the credit amount is reduced. .

  The present invention can be applied to, for example, a payment processing system that performs payment using a credit card.

  Further, in this specification, the step of describing the program stored in the program recording medium is not limited to the processing performed in time series in the described order, but is not necessarily performed in time series. Or the process performed separately is also included.

  Furthermore, in this specification, the system represents the entire apparatus constituted by a plurality of apparatuses.

  The embodiments of the present invention are not limited to the above-described embodiments, and various modifications can be made without departing from the scope of the present invention.

It is a figure explaining an example of the flow of the conventional goods of a market, and a price. It is a figure explaining other examples of the flow of goods and the price of a market. It is a figure explaining the flow of the goods and price of a market implement | achieved by the payment processing system to which this invention is applied. It is a block diagram which shows the structural example of one Embodiment of the payment processing system to which this invention is applied. It is a block diagram which shows the structural example of a terminal device. It is a block diagram which shows the structural example of an ordering apparatus. It is a block diagram which shows the functional structural example of a terminal device. It is a block diagram which shows the functional structural example of an ordering apparatus. It is a block diagram which shows the functional structural example of an order receiving apparatus. It is a block diagram which shows the functional structural example of a management server. It is a block diagram which shows the functional structural example of a payment server. It is a block diagram which shows the functional structural example of another payment server. It is a figure explaining the time of exchange of a price. It is a figure explaining the amount of receivables. It is a figure explaining determination of whether to give credit to a retail store. It is a flowchart explaining the process in a payment processing system when a consumer purchases goods using a card. It is a flowchart explaining a payment process. It is a flowchart explaining the process in a payment processing system in case a retail store orders using a card.

Explanation of symbols

  14 consumer, 41 payment processing system, 61 card, 72 card, 73 ordering device, 81 order receiving device, 91 management server, 101 payment server, 111 payment server, 221 acquisition unit, 222 transmission unit, 232 ordering processing unit, 235 transmission , 236 Order processing unit, 241 Purchase information reception unit, 242 Purchase information transmission unit, 243 Order information reception unit, 245 Amount transmission unit, 246 Credit reception unit, 247 Notification unit, 248 processing unit, 251 reception unit, 254 processing unit , 261 receiver, 262 creditor, 263 transmitter, 264 processor

Claims (15)

An ordering device that orders products to be sold to consumers, an order receiving device that receives orders for the products, a management device that manages the orders, and a process for the consumer's credit card used to pay for the products purchased by the consumer And a settlement process comprising a sales settlement apparatus that performs a sales settlement process for settlement of the price of a product ordered using the credit card of the seller by a seller who sells the product to the consumer In the system,
The ordering device is:
Ordering means for transmitting ordering information, which is information relating to the product to be ordered, to the order receiving device;
The order receiving device is:
Order information transmitting means for receiving the order information transmitted by the ordering means and transmitting order information corresponding to the order information to the management device;
An order processing means for performing order processing, which is processing related to ordering of products corresponding to the order information, in accordance with permission information indicating permission of the order received transmitted from the management device;
The management device
Order information receiving means for receiving the order information from the order receiving device;
First purchase information receiving means for receiving purchase information, which is information related to products purchased by the consumer, from the terminal device;
Amount transmission for transmitting to the sales settlement device an order amount that is the price of the ordered product included in the order information and a purchase amount that is the price of the product purchased by the consumer included in the purchase information Means,
Credit information receiving means for receiving credit information transmitted from the sales settlement apparatus and indicating whether to credit the seller;
Permission information transmitting means for transmitting the permission information to the order receiving device based on the credit information,
The terminal device
Obtaining means for obtaining the purchase information;
First purchase information transmitting means for transmitting the acquired purchase information, and
The sales settlement device
Amount receiving means for receiving the order amount and the purchase amount transmitted from the management device;
Determining means for determining whether to credit the seller based on the order amount and the purchase amount;
A payment processing system comprising: credit information transmitting means for transmitting the credit information representing a result of the determination to the management device. The payment processing system according to claim 1, wherein the purchase price is a price of a product purchased by the consumer that has not been paid to the seller by the time the order is placed. The sales settlement device
When the settlement company that manages the sales settlement device cannot collect the order amount from the seller, the order amount within the purchase amount is billed to the management company that manages the management device as a bill amount. A payment processing means for performing processing on the amount charged in response to the request;
The management device
When the charged amount is not charged, a process of withdrawing the purchased amount to the seller is performed, and when the charged amount is charged, a process of withdrawing the charged amount to the settlement company, and from the purchased amount The settlement processing system according to claim 2, further comprising a withdrawal processing unit that performs processing of withdrawing the amount obtained by subtracting the amount charged to the seller. A consumer settlement device for performing consumer settlement processing for settlement of the price of goods purchased by the consumer using the consumer's credit card;
The management device
A second purchase information transmitting means for transmitting the purchase information to the consumer settlement device;
The consumer settlement device
Second purchase information receiving means for receiving the purchase information transmitted from the management device;
The payment processing system according to claim 1, further comprising: processing means for performing the consumer payment processing based on the purchase information. In a management device that manages orders for products sold to consumers,
Order information receiving means for receiving order information, which is information related to the ordered product, from the order receiving device for receiving the product;
Purchase information receiving means for receiving purchase information, which is information relating to the product purchased by the consumer, from a terminal device that performs processing on the consumer's credit card used to pay for the product purchased by the consumer; ,
The product is sold to the consumer with an order amount that is the price of the ordered product included in the order information and a purchase amount that is the price of the product purchased by the consumer included in the purchase information. Amount sending means for sending to a sales settlement apparatus for performing a sales settlement process for settlement of the price of the product ordered by the seller using the credit card of the seller;
Permission information transmitting means for transmitting permission information indicating permission of the order to the order receiving device based on credit information transmitted from the sales settlement device and indicating whether to credit the seller. Management device. The management device according to claim 5, wherein the purchase price is a price of a product purchased by the consumer that has not been settled with the seller by the time the order is placed. When the settlement company that manages the sales settlement device cannot collect the order amount from the seller, the order amount within the purchase amount is billed to the management company that manages the management device as a bill amount. When the sales settlement apparatus that processes the charged amount in accordance with the charge does not charge the order amount within the purchase amount as the charged amount, the purchase amount is withdrawn to the seller. When the charged amount is charged, a process of withdrawing the charged amount to a settlement company that manages the sales settlement apparatus, and an amount obtained by subtracting the settlement amount from the purchased amount is withdrawn to the seller. The management apparatus according to claim 6, further comprising a withdrawal processing unit that performs processing. In the management method of a management device that manages orders for products sold to consumers,
Receiving order information, which is information about the ordered product, from the order receiving device for receiving the product;
Receiving purchase information, which is information about the product purchased by the consumer, from a terminal device that performs processing on the consumer's credit card used for payment of the price of the product purchased by the consumer;
The product is sold to the consumer with an order amount that is the price of the ordered product included in the order information and a purchase amount that is the price of the product purchased by the consumer included in the purchase information. Sent by the seller to a sales settlement device that performs a sales settlement process to settle the price of the product ordered using the credit card of the seller,
A management method including a step of transmitting permission information indicating permission of the received order to the order receiving device based on credit information indicating whether to give credit to the seller transmitted from the sales settlement device. In a program that lets a computer perform management processing to manage orders for products sold to consumers,
Receiving order information, which is information about the ordered product, from the order receiving device for receiving the product;
Receiving purchase information, which is information about the product purchased by the consumer, from a terminal device that performs processing on the consumer's credit card used for payment of the price of the product purchased by the consumer;
The product is sold to the consumer with an order amount that is the price of the ordered product included in the order information and a purchase amount that is the price of the product purchased by the consumer included in the purchase information. Sent by the seller to a sales settlement device that performs a sales settlement process to settle the price of the product ordered using the credit card of the seller,
A management process including a step of transmitting permission information indicating permission of the order to the order receiving device based on credit information indicating whether to give credit to the seller transmitted from the sales settlement device. A program to be executed. In a settlement apparatus that performs a settlement process for settlement of the price of a product ordered using a credit card of the seller by a seller who sells the product to a consumer,
Received from the management device that manages the orders of the products ordered by the seller, the order amount that is the price of the ordered product and the purchase amount that is the price of the product purchased by the consumer Money receiving means to
Determining means for determining whether to credit the seller based on the order amount and the purchase amount;
A payment apparatus comprising: credit information transmission means for transmitting credit information representing a result of the determination to the management apparatus. The determination means determines that credit is given to the seller when a subtraction amount obtained by subtracting the purchase amount from the order amount is equal to or less than a predetermined amount set in advance, and the subtraction amount is The settlement apparatus according to claim 10, wherein if it is larger than a predetermined amount, it is determined that credit is not given to the seller. The settlement apparatus according to claim 10, wherein the purchase price is a price of a product purchased by the consumer that has not been settled with the seller by the time the order is placed. If the order amount cannot be collected from the seller, the order amount within the purchase amount is charged to the management company managing the management device as the amount to be charged, and the amount charged according to the charge is charged The payment apparatus according to claim 12, further comprising deposit processing means for performing processing. In a settlement method of a settlement apparatus that performs a settlement process for settlement of the price of a product ordered using a credit card of the seller by a seller who sells the product to a consumer,
Received from the management device that manages the orders of the products ordered by the seller, the order amount that is the price of the ordered product and the purchase amount that is the price of the product purchased by the consumer And
Determining whether to credit the seller based on the order amount and the purchase amount;
A settlement method including a step of transmitting credit information representing a result of the determination to the management device. In a program for causing a computer to perform a settlement process to settle the price of a product ordered using a credit card of the seller by a seller who sells the product to a consumer.
Received from the management device that manages the orders of the products ordered by the seller, the order amount that is the price of the ordered product and the purchase amount that is the price of the product purchased by the consumer And
Determining whether to credit the seller based on the order amount and the purchase amount;
A program for causing a computer to perform a settlement process including a step of transmitting credit information representing a determination result to the management device

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