JP2016066194A - Credit settlement system, and credit settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit settlement system which eliminates conventional operations required for the credit settlement to improve convenience of a member.SOLUTION: A first terminal transmits settlement use information including specific information of a member and specific information of a shop where input is accepted to a management system. The management system associates the specific information of the member included in the received settlement use information with the specific information of the shop, and transmits the settlement user information including the specific information of the member associated with the specific information of the shop to a second terminal. The second terminal displays a settlement user screen including the specific information of the member included in the received settlement user information, and a settlement determination screen including the specific information of the member to perform credit settlement and settlement amount of which input is accepted, and transmits settlement determination information including the specific information of the member to perform credit settlement and the settlement amount to the management system.SELECTED DRAWING: Figure 6

Description

  The present invention relates to a credit settlement system using a mobile terminal of a member.

  In the conventional credit settlement method, it is necessary to identify credit card information with a POS cash register or a CAT terminal. For this reason, the member and the store clerk are required to perform operations such as handling of a card, signing at the time of accounting, and issuing a receipt of paper media.

  As a credit settlement system using a mobile terminal, International Publication No. 2013/168815 (Patent Document 1) is known. The gazette states that “when a commercial transaction agreement is established between the user and the seller, a password is input to the user portable terminal, and the password is converted into an authentication ID, and authentication is executed based on this authentication ID. The mobile terminal transmits the credit information and the user number to the server, and these are stored in the server, while the merchant transmits the merchant number and the user number provided by the user to the server using the merchant terminal. The credit information is returned to the merchant terminal only when the received user number and the merchant number match the stored ones, and the merchant terminal returns the credit settlement process based on the received credit information. (See summary).

International Publication No. 2013/168815

  In Patent Document 1, a member needs to issue a net card and manage the net card, and a paper medium receipt is issued. For this reason, there is a problem from the viewpoint of improving the convenience of members.

  The present invention realizes “no card / no sign / no receipt” credit settlement that eliminates the conventional operation required for credit settlement, improves the convenience of the member, and promotes the use of the member's credit settlement. The purpose is to provide a payment system.

  A representative example of the present invention is a credit comprising a first terminal operated by a member, a second terminal installed in a store and operated by a store clerk, and a management system for managing information related to the member and information related to the store. In the payment system, the first terminal receives input of specific information that can specify a store that uses credit payment, and stores the specific information that can specify a member that operates the first terminal and the input. Payment usage information including the specific information is transmitted to the management system, and the management system associates the member specific information and the store specific information included in the received payment usage information, and stores the information in the usage request information. With reference to the use request information, payment user information including member specific information associated with the store specific information is transmitted to the second terminal of the store, and the second terminal At the end, a payment user screen including member specific information included in the received payment user information is displayed, input of the payment amount of the credit payment is accepted, the specific information of the member who performs the credit payment, and the input The settlement confirmation screen including the settlement amount received is displayed, the specific information of the member who performs the credit settlement and the settlement settlement information including the settlement amount are transmitted to the management system, and the management system receives the settlement settlement information received And outputting information for charging the credit settlement.

  The effects obtained by the representative ones of the inventions disclosed in the present application will be briefly described as follows. In other words, "No Card / No Sign / No Receipt" credit settlement that eliminates the need for conventional operations required for credit settlement, improves the convenience of members, and promotes the use of credit settlement by members Can provide.

  Problems, configurations, and effects other than those described above will be clarified by the following description of embodiments.

It is a block diagram of the credit payment system of an Example. It is explanatory drawing of the member master table of an Example. It is explanatory drawing of the store master table of an Example. It is explanatory drawing of the card payment utilization request table of an Example. It is explanatory drawing of the card payment table of an Example. It is a sequence diagram of the credit payment process performed by the credit payment system of an Example. It is explanatory drawing of the credit card information registration screen of an Example. It is explanatory drawing of the credit payment utilization request screen of an Example. It is explanatory drawing of the payment user screen of an Example. It is explanatory drawing of the member information screen of an Example. It is explanatory drawing of the payment confirmation screen of an Example. It is a sequence diagram of the credit payment confirmation process of an Example. It is explanatory drawing of the electronic receipt confirmation screen of an Example.

  Hereinafter, embodiments of the present invention will be described with reference to FIGS. In the drawings, the same reference numerals indicate the same operation, and therefore description thereof is omitted.

  FIG. 1 is a configuration diagram of a credit settlement system according to an embodiment.

  The credit settlement system includes a host system 100, a smartphone terminal 200, a tablet terminal 300, a settlement agency 400, and a credit company 500.

  The host system 100 manages information about members and information about stores. The smartphone terminal 200 is operated by a member, and the tablet terminal 300 is disposed in a store and operated by a store staff. The settlement agent company 400 acts as a sales agent from the store to the credit company 500. The credit company 500 pays the store for which sales are requested. If the host system 100 can charge the credit company 500 for sales, the credit settlement system may not include the settlement agency 400.

  The host system 100 includes a CPU 110 and a memory 120. The host system 100 includes an input device such as a keyboard and a mouse (not shown) and an output device such as a display (not shown). The CPU 110 executes various programs stored in the memory 120 and reads / writes data stored in the memory 120. The CPU 110 includes a payment user registration unit 111, a payment user information transmission unit 112, a credit payment determination unit 113, and a transaction history management unit 114.

  When the payment user registration unit 111 receives payment usage information for requesting the use of credit payment from the smartphone terminal 200, the payment user registration unit 111 associates the identification information of the store using the credit payment included in the payment usage information with the identification information of the member. And registered in the card settlement use request table 123.

  The payment user information transmitting unit 112 transmits payment user information including member identification information associated with the identification information of the store to the tablet terminal 300 of the store, and uses the credit payment to the tablet terminal 300 at the store. Display information that can identify the requested member.

  When the payment confirmation information is received from the tablet terminal 300, the credit payment confirmation unit 113 executes a credit payment confirmation process for confirming the credit payment. The credit settlement confirmation process will be described in detail with reference to FIG.

  The transaction history management unit 114 transmits electronic receipt information including a transaction history of credit settlement to the smartphone terminal 200.

  The memory 120 stores a member master table 121, a store master table 122, a card payment use request table 123, and a card payment table 124. The memory 120 stores programs corresponding to the payment user registration unit 111, the payment user information transmission unit 112, the credit payment determination unit 113, and the transaction history management unit 114, respectively. When the CPU 110 executes the program stored in the memory 120, the payment user registration unit 111, the payment user information transmission unit 112, the credit payment determination unit 113, and the transaction history management unit 114 are realized.

  The host system 100 includes a secondary storage device that is a non-illustrated nonvolatile storage medium, and various programs are stored in the secondary storage device, and the various programs are loaded into the memory 120 and executed by the CPU 110. .

  The member master table 121 is a table for managing information about members, and details will be described with reference to FIG. The store master table 122 is a table for managing information about stores, and details will be described with reference to FIG. The card payment use request table 123 is a table for managing the association between the identification information of the member who requested the use of credit payment and the identification information of the store where the member uses the credit payment, and will be described in detail with reference to FIG. The card settlement table 124 is a table for managing the transaction history of the member's credit settlement and will be described in detail with reference to FIG.

  Next, the smartphone terminal 200 will be described.

  The smartphone terminal 200 includes a CPU 210, a memory 220, and an input / output device 230.

  The CPU 210 executes various programs stored in the memory 220 and reads / writes data stored in the memory 220. The CPU 210 includes a credit card information registration unit 211, a credit settlement use unit 212, and an electronic receipt confirmation unit 213.

  The credit card information registration unit 211 accepts input of information relating to a credit card used for credit settlement, and registers the relationship between the accepted information relating to the credit card and member identification information in the settlement agency 400. The credit settlement use unit 212 transmits settlement use information for requesting use of credit settlement to the host system 100. The electronic receipt confirmation unit 213 displays the transaction history of the member's credit settlement on the input / output device 230.

  The memory 220 is a volatile storage medium, and the memory 220 stores programs corresponding to the credit card information registration unit 211, the credit settlement use unit 212, and the electronic receipt confirmation unit 213, respectively. The smartphone terminal 200 includes a secondary storage device that is a nonvolatile storage medium (not shown). Various programs are stored in the secondary storage device, and the various programs are loaded into the memory 220 and executed by the CPU 210. .

  The input / output device 230 is a touch panel or the like. The input / output device 230 may be an input device such as a keyboard and an output device such as a display.

  The smartphone terminal 200 may be any terminal that can be carried by a member, and is not limited to a smartphone.

  Next, the tablet terminal 300 will be described.

  The tablet terminal 300 includes a CPU 310, a memory 320, and an input / output device 330.

  The CPU 310 executes various programs stored in the memory 320 and reads / writes data stored in the memory 320. The CPU 310 includes a payment user display unit 311 and a credit payment determination unit 312.

  The settlement user display unit 311 displays on the input / output device 330 information that can identify the member who is requesting the use of credit settlement at the store where the tablet terminal 300 is installed. The credit settlement confirmation unit 312 transmits settlement confirmation information for confirming credit settlement to the host system 100.

  The memory 320 is a volatile storage medium, and the memory 320 stores programs corresponding to the payment user display unit 311 and the credit payment determination unit 312 respectively. Note that the tablet terminal 300 includes a secondary storage device that is a nonvolatile storage medium (not shown), and various programs are stored in the secondary storage device, and the various programs are loaded into the memory 320 and may be executed by the CPU 310. .

  The input / output device 330 is a touch panel or the like. The input / output device 330 may be an input device such as a keyboard and an output device such as a display.

  The tablet terminal 300 may be any terminal that is installed in a store and can be operated by a store clerk, and may be a personal computer, for example.

  FIG. 2 is an explanatory diagram of the member master table 121 according to the embodiment.

  The member master table 121 includes ID 201, member name 202, gender 203, date of birth 204, region 205, marriage 206, credit member 207, and credit registration date / time 208.

  In ID 201, member identification information is registered. Member identification information registered in the ID 201 is a key item for uniquely identifying each record in the member master table 121. Note that a record in the member master table 121 is generated for each member and updated or deleted as necessary.

  In the member name 202, the name of the member is registered. In the gender 203, the gender of the member is registered. In the date of birth 204, the date of birth of the member is registered. In the area 205, the residence area of the member is registered. In the marriage 206, the marriage status of the member, that is, whether the member is married or not is registered. In the credit member 207, whether or not the member has registered credit card information is registered. In the credit registration date / time 208, the date / time when the member registered the credit card information is registered.

  FIG. 3 is an explanatory diagram of the store master table 122 according to the embodiment.

  The store master table 122 includes an ID 301, a store code 302, a store name 303, a store name Kana 304, a telephone number 305, an overview 306, business hours 307, and remarks 308.

  In the ID 301, store identification information is registered. The store identification information registered in the ID 301 is a key item that uniquely identifies each record in the store master table 122. Note that the record of the store master table 122 is generated for each store and updated or deleted as necessary.

  In the store code 302, a number for identifying a store is registered. In the store name 303, the name of the store is registered. In the store name Kana 304, katakana indicating the name of the store is registered. In the telephone number 305, the telephone number 305 of the store is registered. In the overview 306, an overview of the store (for example, the business type of the store) is registered. In the business hours 307, the business hours of the store are registered. In the remarks 308, supplementary items for managing information related to the store are registered.

  FIG. 4 is an explanatory diagram of the card payment use request table 123 according to the embodiment.

  When the host system 100 receives the payment usage information transmitted from the smartphone terminal 200, a new record is added to the card payment usage request table 123.

  The card settlement use request table 123 includes an ID 401, a store ID 402, a member ID 403, a transaction number 404, a completion flag 405, and a use request date / time 406.

  In ID 401, identification information of a card payment use request is registered. The identification information registered in the ID 401 is a key item that uniquely identifies each record in the card payment use request table 123. A record in the card payment use request table 123 is generated for each payment use information received by the host system 100, and is updated or deleted as necessary.

  In the store ID 402, the identification information of the store from which the member requested the use of credit settlement is registered. The identification information registered in the store ID 402 corresponds to the identification information registered in the ID 301 of the store master table 122.

  In the member ID 403, the identification information of the member who requested the use of credit settlement is registered. The identification information registered in the member ID 403 corresponds to the identification information registered in the ID 201 of the member master table 121.

  In the transaction number 404, a number for identifying a transaction by credit settlement requested by the member is registered. In the completion flag 405, a flag indicating whether or not a transaction by credit settlement requested by the member is confirmed is registered. If “1” is registered in the completion flag 405, it indicates that the transaction by credit settlement requested by the member is confirmed. If “0” is registered in the completion flag 405, the transaction is still confirmed. Indicates not.

  Registered in the usage request date and time 406 is the date and time when the host system 100 received the payment usage information, that is, the date and time when the member requested the use of credit payment. In addition, the use request date and time 406 may be registered with the date and time when the smartphone terminal 200 transmits the payment use information.

  FIG. 5 is an explanatory diagram of the card payment table 124 of the embodiment.

  When the requested credit settlement transaction is confirmed, a new record is added to the card settlement table 124.

  The card settlement table 124 includes an ID 501, a transaction number 502, a transaction date 503, a store ID 504, a store name 505, a member ID 506, an amount 507, a transaction category 508, and a division number 509.

  In ID 501, identification information of credit settlement in which the transaction is confirmed is registered. The identification information registered in the ID 501 is a key item that uniquely identifies each record in the card settlement table 124. A record in the card settlement table 124 is generated for each confirmed credit settlement and updated or deleted as necessary.

  In the transaction number 502, a number for identifying a confirmed credit settlement transaction is registered. The number registered in the transaction number 502 corresponds to the number registered in the transaction number 404 of the card settlement use request table 123. In the transaction date 503, the date on which the credit settlement is performed is registered.

  In the store ID 504, the identification information of the store where the credit settlement has been performed is registered. The store identification information registered in the store ID 504 corresponds to the store identification information registered in the ID 301 of the store master table 122. In the store name 505, the name of the store where the credit card payment has been made is registered. The store name registered in the store name 505 corresponds to the store name registered in the store name 303 of the store master table 122.

  In the member ID 506, the identification information of the member who made the credit settlement is registered. The member identification information registered in the member ID 506 corresponds to the member identification information registered in the ID 201 of the member master table 121.

  In the amount 507, a transaction amount for credit settlement is registered. In the transaction classification 508, a payment method for credit settlement (payment once a month, installment payment or revolving payment) is registered. The number of divisions 509 registers the number of divisions of payment when installment payments are registered in the transaction category 508.

  FIG. 6 is a sequence diagram of credit settlement processing executed by the credit settlement system of the embodiment.

  Before a member visits the store or purchases a product, the member uses the smart phone terminal 200 to register credit card information. First, the credit card information registration unit 211 displays a credit card information registration screen 700 shown in FIG. 7 (S601). The member inputs credit card information (for example, a credit card number) to the smartphone terminal 200 via the credit card information registration screen 700 displayed in the process of S601 (S602), and the credit card information registration unit 211 inputs the credit card information. The relationship between the received credit card information and the member identification information is transmitted to the settlement agency 400. The system of settlement agency 400 registers the relationship between credit card information and member identification information.

  When the relationship between the member's credit card information and the member's identification information is registered in the system of the settlement agency 400, the host system 100 records the credit member 207 of the record corresponding to the member in the member master table 121. In addition, the fact that the credit card information is registered is registered, and the date and time when the credit card information is registered with the settlement agency 400 is registered in the credit registration date and time 208. The host system 100 may be notified from the settlement agency 400 system that the relationship between the member's credit card information and the member identification information is registered in the settlement agency 400 system, or from the smartphone terminal 200. May be.

  FIG. 7 is an explanatory diagram of a credit card information registration screen 700 according to the embodiment.

  The credit card information registration screen 700 includes a message 710 and a credit registration button 720.

  The message 710 displays that the payment information registration screen of the settlement agency 400 is transitioned to and that the credit card information registration procedure is continued according to the screen.

  When the credit registration button 720 is operated, the credit card information registration unit 211 redirects to the credit card information registration page of the settlement agency 400. Credit card information is input on the credit card information registration page, the identification information of the member and the input credit card information are transmitted to the system of the settlement agency 400, and the credit card information is registered in the system of the settlement agency 400 The

  Next, processing when a member visits a store and purchases a product will be described.

  First, when the smartphone terminal 200 receives an input of a predetermined operation from a member, the credit settlement use unit 212 displays a credit settlement use request screen 800 shown in FIG. 8 (S603).

  Here, the credit settlement use request screen 800 will be described. FIG. 8 is an explanatory diagram of a credit settlement use request screen 800 according to the embodiment.

  The credit settlement use request screen 800 includes a screen title 810, a message 820, a store selection list 830, a message 840, and a store determination button 850.

  In the screen title 810, information indicating that it is a credit settlement use request screen 800 is displayed. The message 820 indicates that a store requesting the use of credit settlement is selected.

  When the store selection list 830 is operated, the store selection list 830 displays a list of store names that can be requested to use credit settlement. Specifically, when the store selection list 830 is operated, the credit settlement utilization unit 212 transmits a store selection list display request including member identification information to the host system 100. When the host system 100 receives the store selection list display request, the host system 100 refers to the store master table 122, acquires the name of the store where credit payment can be used, and sends a store selection list display response including the acquired store name to the smartphone. Transmit to terminal 200. When the smartphone terminal 200 receives the store selection list display response, the credit settlement use unit 212 displays the store name included in the received store selection list display response in the store selection list 830. In this case, the name of the store registered by the member as a favorite may be displayed above the list. The member selects the name of the store requesting the use of credit settlement from the store names displayed in the store selection list 830.

  The message 840 displays that the credit settlement use request is automatically canceled when the credit settlement is not performed even after a predetermined time has elapsed since the store determination button 850 is operated.

  The store determination button 850 is a button for determining a store that requests the use of credit payment and transmitting payment use information for requesting the use of credit payment to the host system 100.

  When the settlement user information transmission unit 112 receives an operation of the store determination button 850 on the credit settlement use request screen 800 displayed in the process of S603, the settlement user information transmission unit 112 displays information (identification information) that can identify the member and the selected store. Payment use information including identifiable information (specific information) is transmitted to the host system 100 (S604). The member specifying information may be information that can specify the member, and may be, for example, member identification information or a combination of the member's name and date of birth. Further, the information that can specify the store may be information that can specify the store, and may be store identification information, a store name, a store telephone number, a store code, or the like.

  When the host system 100 receives the payment usage information, the payment user registration unit 111 adds a new record to the card payment usage request table 123 based on the received payment usage information (S605). Specifically, the settlement user registration unit 111 registers unique identification information in the ID 401 of the added record. Further, the settlement user registration unit 111 stores, for each of the store ID 402 and the member ID 403 of the added record, the store identification information corresponding to the store identification information and the member identification information included in the received payment usage information. Register information. Further, the settlement user registration unit 111 registers a unique number as the transaction number 404 of the added record, and registers “0” indicating that the requested credit settlement transaction has not yet been confirmed to the completion flag 405. To do. Further, the payment user registration unit 111 registers the date and time when the payment usage information is received in the usage request date and time 406 of the added record.

  The tablet terminal 300 displays a payment user screen 900 shown in FIG. FIG. 9 is an explanatory diagram of the payment user screen 900 according to the embodiment.

  The payment user screen 900 includes a screen title 910, an update button 920, a usage request number 930, a member number 940, a name 950, a date and time 960, a selection button 970, and a continuation button 980.

  The screen title 910 displays that the payment user screen 900 is displayed. When the update button 920 is operated, the payment user display unit 311 transmits a payment user request to the host system 100, and the host system 100 stores the latest member specific information that is requested to use credit payment at the store. And the payment user screen 900 is updated.

  The number of use requests 930 displays the number of members who are requesting the use of credit settlement at the store. The member number 940 displays the member number of the member who is requesting the use of credit settlement at the store. The member number corresponds to the ID 201 of the member master table 121. The name 950 displays the name of the member who is requesting the use of credit settlement at the store. In the date and time 960, the date and time when the use of credit settlement at the store is requested is displayed. When the selection button 970 is operated, the credit settlement confirmation unit 312 displays a settlement confirmation screen 1100.

  For example, it is assumed that the number of members requesting the use of credit payment that can be displayed on the payment user screen 900 is ten. When the number of members requesting the use of credit payment in the store exceeds 10, when the continuation button 980 is operated, the payment user display unit 311 is displayed on the current payment user screen 900. Information on the next ten members not present is displayed on the payment user screen 900.

  In the payment user screen 900 shown in FIG. 9, the member number and the name of the member are displayed as the specific information of the member who requested the use of the credit payment. It is not limited.

  Here, when the member who requested the use of credit settlement comes to the store and the store clerk is notified that the request for credit settlement is requested, the store clerk operates the update button 920 on the settlement user screen 900. When the update button 920 on the payment user screen 900 is operated, the payment user display unit 311 transmits an update request including specific information that can specify the store to the host system 100 (S606).

  When the host system 100 receives the update request, the payment user information transmission unit 112 refers to the card payment use request table 123 and requests use of credit payment at the store where the tablet terminal 300 that has sent the update request is arranged. The member specific information (for example, member identification information) is acquired, and payment user information including the acquired member specific information is transmitted to the tablet terminal 300 (S607). Specifically, the payment user information transmission unit 112 refers to the card payment use request table 123, is associated with identification information corresponding to the store specific information included in the received update request, and the transaction has been completed. In addition, identification information of all members whose usage request date and time is within a predetermined time (for example, 30 minutes) from the reception time of the update request is acquired, and settlement user information including the acquired identification information of the members is transmitted. The payment user information also includes a transaction number corresponding to each member who is requesting the use of credit payment.

  Since the payment user information transmission unit 112 does not acquire member identification information whose use request date and time is earlier than a predetermined time from the reception time of the update request, the member specific information is not displayed on the payment user screen 900. Therefore, when a predetermined time has elapsed since a member requested the use of credit settlement, the request for use of credit settlement will be automatically canceled, and the member's request for use of credit settlement will be illegally transmitted to others. It can be prevented from being used.

  In this embodiment, the payment user information transmission unit 112 acquires the member identification information whose use request date and time is within a predetermined time from the reception time of the update request from the card payment use request table 123. A record of the card payment use request table 123 that has passed a predetermined time from the request date / time may be deleted, and a flag (for example, “2”) indicating that the predetermined time has passed since the use request date / time is registered in the completion flag 405 of the record. May be.

  When the tablet terminal 300 receives the payment user information, the payment user display unit 311 updates the payment user screen 900 (S608). As a result, the payment user screen 900 displays the latest specific information of the member who is requesting the use of credit payment at the store.

  Here, when visiting the store, the member performs a predetermined operation on the smartphone terminal 200 to display the member information screen 1000 shown in FIG. 10 (S609). FIG. 10 is an explanatory diagram of the member information screen 1000 according to the embodiment.

  The member information screen 1000 is an initial screen of a credit payment application, for example, and includes a member number 1010, a name 1020, and an announcement 1030.

  The member number 1010 displays a member number that can identify the member. The member number corresponds to the member identification information. The name 1020 displays the name of the member who can identify the member. In the notice 1030, notice information from each store is displayed.

  In the member information screen 1000 shown in FIG. 10, the member number and the member name are displayed as information that can specify the member, but the information is not limited to this as long as the member can be specified. However, the member specific information displayed on the member information screen 1000 in FIG. 10 needs to correspond to the member specific information displayed on the settlement user screen 900 shown in FIG. For example, when a combination of a member's name and date of birth is displayed on the settlement user screen 900 shown in FIG. 9 as member specific information, the member name and date of birth are also displayed on the member information screen 1000 shown in FIG. Must be displayed as member specific information.

  The member presents the member information screen 1000 to the store clerk, and the store clerk matches the member number displayed in the member number 940 of the payment user screen 900 with the member number displayed in the member number 1010 of the member information screen 1000 and settles. A member whose name displayed on the name 950 of the user screen 900 matches the name displayed on the name 1020 of the member information screen 1000 is searched from the settlement user screen 900, and the member selection button 970 is operated.

  In this way, the clerk confirms the member specific information displayed on the member information screen 1000 of the smartphone terminal 200 and operates the selection button 960, so that the credit card can be credited without passing the credit card between the member and the clerk. It is possible to prevent another person who has not requested use of settlement from impersonating a member who has requested use of credit settlement and performing credit settlement.

  When the tablet terminal 300 accepts the operation of the selection button 970, the credit settlement confirmation unit 312 displays the settlement confirmation screen 1100 shown in FIG. 11 (S610).

  FIG. 11 is an explanatory diagram of the settlement confirmation screen 1100 according to the embodiment.

  The settlement confirmation screen 1100 includes a screen title 1110, a message 1120, a member number 1130, a member name 1140, a settlement amount 1150, a transaction category 1160, a division number 1170, a return button 1180, and a confirmation button 1190.

  The screen title 1110 displays that it is a settlement confirmation screen 1100. In the message 1120, a message “Decide on the following contents. Please check the contents.” Is displayed. The member number 1130 displays the member number of the member whose selection button 970 is operated on the payment user screen 900, and the member name 1140 displays the name of the member.

  In the settlement amount 1150, a settlement amount to be settled by credit settlement is input by, for example, a store clerk. In the transaction category 1160, the member's payment method is input by the store clerk, and in the division number 1170, when the member's payment method is installment payment, the number of divisions is input by the store clerk. When the return button 1180 is operated, the settlement user screen 900 is displayed.

  When the clerk presents the settlement confirmation screen 1100 to the member and confirms that the person who performs the credit settlement is the member, the clerk operates the confirmation button 1190. When the tablet terminal 300 accepts an operation of the confirmation button 1190, the credit settlement confirmation unit 312 is input to the member identification information (for example, member identification information), the settlement amount input to the settlement amount 1150, and the transaction category 1160. The payment confirmation information including the payment method and the division number input in the division number 1170 is transmitted to the host system 100 (S611). Note that the settlement confirmation information includes a transaction number of the credit settlement to be confirmed.

  By displaying the settlement confirmation screen 1100, the member can make a credit settlement only by confirming whether or not the content displayed on the settlement confirmation screen 1100 is correct before the settlement is confirmed. Credit card delivery operation, member signing operation, receipt delivery operation, and the like are not required.

  When the host system 100 receives the settlement confirmation information, the credit settlement confirmation unit 113 executes a credit settlement confirmation process for confirming the credit settlement shown in FIG. 12 (S612). Then, the credit settlement confirmation unit 113 sets the completion flag 405 of the record that matches the transaction number included in the settlement confirmation information received by the transaction number 404 of the card settlement use request table 123 to “1” indicating that the transaction is completed. Update (S613). Further, the credit settlement confirmation unit 113 registers information related to credit settlement transactions in the card settlement table 124 in the credit settlement confirmation process.

  The payment user information transmitting unit 112 refers to the card payment use request table 123 when transmitting the payment user information to the tablet terminal 300 disposed in a certain store, and is a member associated with the identification information of the store. The identification information of the member whose “0” is registered in the completion flag 405 is acquired as the identification information of the member who is requesting the use of credit settlement. Therefore, the member specific information corresponding to the member identification information registered with “1” in the completion flag 405 is not displayed on the payment user screen 900 of the tablet terminal 300.

  Further, the credit settlement confirmation unit 113 transmits settlement result information indicating the result of the credit settlement confirmation process to the tablet terminal 300 that has transmitted the settlement confirmation information (S614).

  When the tablet terminal 300 receives the settlement result information, the tablet terminal 300 displays a settlement completion screen indicating that the credit settlement is completed (S615).

  By the above processing, the credit settlement is confirmed when the member visits the store and purchases the product.

  Next, the credit settlement confirmation process will be described with reference to FIG. FIG. 12 is a sequence diagram of credit settlement confirmation processing according to the embodiment.

  First, when the member confirms the contents of the credit settlement on the settlement confirmation screen 1100 displayed on the tablet terminal 300 and the store clerk operates the confirmation button 1190, the credit settlement confirmation unit 312 transmits the settlement confirmation information to the host system 100. (S611). The host system 100 calls a program corresponding to the credit settlement determination unit 113 in order to transmit a credit request to the settlement agency 400. Then, the host system 100 executes the called program and transmits a credit request to the settlement agency 400 (S1211). The credit request includes identification information of a member who performs credit settlement, identification information of a store where credit settlement is performed, a settlement amount, a transaction classification, and the number of divisions.

  When the payment agent company 400 receives the credit request, it transmits a gathering request to the credit company 500 (S1212).

  When the credit company 500 receives the gathering request, the credit company 500 transmits a gathering response to the settlement agency 400 (S1213). When the settlement agency 400 receives the gathering response, it sends the credit response to the host system 100 as a response to the credit request (S1214).

  When the host system 100 receives the credit response, the host system 100 transmits a commit request for requesting the agency for the sales request for the credit settlement to the settlement agency 400 (S1215).

  When the settlement agency 400 receives a commit request, it transmits a commit response (S1216). When the host system 100 receives the commit response, the host system 100 registers information related to the credit payment transaction in the card payment table 115 and transmits the payment result information to the tablet terminal 300 in the process of S614. When receiving the payment result information, the tablet terminal 300 displays a payment completion screen in the process of S615. Note that the transaction details of credit settlement may be displayed on the settlement completion screen. In this case, on the payment completion screen, for example, the name of the member who made the credit payment, the name of the store where the credit payment was made, the payment amount, the transaction content, and the number of divisions are displayed.

  The settlement agency 400 transmits a sales confirmation processing request to the credit company 500 after transmitting a commit response in the processing of S1116 (S1217). When the credit company 500 receives the sales confirmation processing request, the credit company 500 executes the sales confirmation processing and transmits a sales confirmation processing response to the settlement agency 400 (S1218).

  Returning to FIG. 6, processing when the member confirms the transaction history will be described.

  The transaction history management unit 114 of the host system 100 transmits electronic receipt information at a predetermined timing (S616). The predetermined timing may be when a confirmation screen display request is received from the smartphone terminal 200, or when a preset date and time for transmitting electronic receipt information has arrived. Specifically, the transaction history management unit 114 refers to the card settlement table 124, acquires information related to transactions of each member whose transaction date 503 is a predetermined period, and transmits the acquired information included in electronic receipt information.

  When the smart phone terminal 200 receives the electronic receipt information, the electronic receipt confirmation unit 213 displays the electronic receipt confirmation screen 1300 shown in FIG. 13 based on the received electronic receipt information (S617). Further, the transaction history management unit 114 of the host system 100 may display information related to credit settlement transactions at each store with reference to the card settlement table 124 (S618). Thereby, the administrator of the host system 100 can confirm the status of the store used, the transaction amount, and the like. Moreover, the transaction history management part 114 may output the information regarding the credit settlement transaction of each store in CSV format. As a result, the administrator of the host system 100 can utilize the information for analyzing the transaction status of credit settlement.

  FIG. 13 is an explanatory diagram of an electronic receipt confirmation screen 1300 according to the embodiment.

  The electronic receipt confirmation screen 1300 includes a title 1310, electronic receipt information 1320, and a continuation button 1330.

  The title 1310 displays that the electronic receipt confirmation screen 1300 is displayed. The electronic receipt information 1320 includes a transaction date 1321, a transaction number 1322, a use store 1323, a payment amount 1324, and a payment method 1325. The transaction date 1321 displays the date and time when the credit settlement was performed. The transaction number 1322 displays a transaction number for credit settlement. In the used store 1323, the name of the store where the credit card payment is performed is displayed. In the payment amount 1324, a payment amount in credit settlement is displayed. The payment method 1325 displays a payment method in credit settlement.

  Note that there are 20 credit settlement transactions that can be displayed on the electronic receipt confirmation screen 1300 at a time. For this reason, the continuation button 1230 is operated when confirming the 21st and subsequent credit settlement transactions.

  Since the transaction history of credit settlement is displayed on the electronic receipt confirmation screen 1300, the member can confirm the transaction history of credit settlement by looking at the electronic receipt confirmation screen 1300. For this reason, it is not necessary to issue a receipt on the store side when a member purchases a product.

  In the present embodiment, since information related to products for which credit settlement has been performed is not managed, information related to products for credit settlement is not displayed in the electronic receipt information 1220. However, if information related to a product for which credit settlement has been performed is managed, information relating to a product for which credit settlement has been performed can be displayed in the electronic receipt information 1220.

  In addition, this invention is not limited to an above-described Example, Various modifications are included. For example, the above-described embodiments have been described in detail for easy understanding of the present invention, and are not necessarily limited to those having all the configurations described. Further, a part of the configuration of a certain embodiment can be replaced with the configuration of another embodiment, and the configuration of another embodiment can be added to the configuration of a certain embodiment. Further, it is possible to add, delete, and replace other configurations for a part of the configuration of each embodiment.

  Each of the above-described configurations, functions, processing units, processing means, and the like may be realized by hardware by designing a part or all of them with, for example, an integrated circuit. Each of the above-described configurations, functions, and the like may be realized by software by interpreting and executing a program that realizes each function by the processor. Information such as programs, tables, and files that realize each function can be stored in a recording device such as a memory, a hard disk, or an SSD (Solid State Drive), or a recording medium such as an IC card, an SD card, or a DVD.

  In addition, control lines and information lines are those that are considered necessary for explanation, and not all control lines and information lines on the product are shown. In fact, almost all configurations are connected to each other. You may think that it is.

DESCRIPTION OF SYMBOLS 100 Host system 111 Settlement user registration part 112 Settlement user information transmission part 113 Credit settlement confirmation part 114 Purchasing history confirmation part 115 Card settlement table 121 Member master table 122 Store master table 123 Card settlement use request table 124 Card settlement table 200 Smartphone Terminal 211 Credit card information registration unit 212 Credit settlement use unit 213 Electronic receipt confirmation unit 300 Tablet terminal 311 Payment user display unit 312 Credit settlement confirmation unit 400 Payment agency 500 Credit company

Claims (5)

A credit settlement system comprising a first terminal operated by a member, a second terminal installed in a store and operated by a store clerk, and a management system for managing information about the member and information about the store,
The first terminal is
Accepting input of specific information that can specify a store that uses credit payment, and managing payment information including specific information that can specify a member that operates the first terminal and specific information of the store that has received the input Send to the system,
The management system includes:
The member specific information included in the received payment usage information is associated with the store specific information, stored in the usage request information,
Referring to the use request information, and transmitting settlement user information including member specific information associated with the store specific information to the second terminal of the store;
The second terminal is
Display the payment user screen containing the specific information of the member included in the received payment user information,
Accepting input of the payment amount of the credit payment,
Display a settlement confirmation screen including the specific information of the member who performs the credit settlement and the settlement amount accepted for the input,
Sending the settlement information including the specific information of the member who makes the credit settlement and the settlement amount to the management system;
The management system outputs information for charging the credit settlement based on the received settlement confirmation information. The credit settlement system according to claim 1,
The first terminal displays a member information screen including the member specific information,
The second terminal accepts selection of member specific information that matches the member specific information displayed on the member information screen from among the member specific information displayed on the payment user screen,
The credit settlement system characterized in that the specific information of the member who has accepted the selection is the specific information of the member who performs the credit settlement. The credit settlement system according to claim 1,
The management system includes payment user information including only the member specific information before a predetermined time has elapsed since the payment use information was received, out of at least one member specific information associated with the store specific information. To the second terminal of the store,
The credit terminal system, wherein the second terminal displays a payment user screen of only member specific information before a predetermined time has elapsed since the payment usage information was received. The credit settlement system according to claim 1,
The management system transmits electronic receipt information including a transaction history of the member's credit settlement to the first terminal of the member,
The said 1st terminal displays the electronic receipt confirmation screen containing the transaction history of the said member's credit payment based on the received electronic receipt information, The credit payment system characterized by the above-mentioned. In a credit settlement method for outputting information for requesting credit settlement of a member in a computer system,
The computer system is
A first terminal operated by the member;
A second terminal installed in the store and operated by a store clerk;
A management system for managing information about the member and information about the store,
The credit settlement method is:
The first terminal receives input of specific information that can specify a store that uses the credit settlement, includes specific information that can specify a member that operates the first terminal, and specific information of the store that has received the input Send payment usage information to the management system,
The management system associates the specific information of the member and the specific information of the store included in the received payment usage information, stores it in the usage request information,
The management system refers to the use request information, and transmits settlement user information including member specific information associated with the store specific information to the second terminal of the store,
The second terminal displays a payment user screen including member specific information included in the received payment user information;
The second terminal accepts an input of a payment amount of the credit payment;
The second terminal displays a settlement confirmation screen including the identification information of the member who performs the credit settlement and the settlement amount accepted for the input;
The second terminal transmits to the management system settlement information including identification information of the member who makes the credit settlement and the settlement amount;
The credit settlement method, wherein the management system outputs information for charging the credit settlement based on the received settlement confirmation information.

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