JP3385906B2 - Transaction processing system and host device - Google Patents

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to the transaction and transaction processing system for processing, is applied to the transaction processing system sulfo scan <br/> winding device on the basis of the transaction information entered using the card .

[0002]

2. Description of the Related Art Conventionally, credit transactions using credit cards have been conducted. Recently, an increasing number of customers have contracted with a plurality of credit card companies (hereinafter, simply referred to as a card company) and have a plurality of credit cards.

[0003]

However, a customer who owns a plurality of credit cards sometimes considers (worries) which credit card to use when processing a transaction at a store. . Therefore, it took a long time for the customer to decide which credit card to use. Also, if you start transaction processing using the credit card used by the customer, the transaction is interrupted because the transaction amount exceeds the credit limit, the card has expired, etc., and another credit card is used again. In some cases, we used to process transactions. Therefore, there is a problem that the transaction processing cannot be performed smoothly at the store.

Further, the customer finds it inconvenient to carry a plurality of credit cards, and there is a problem that the service to the customer is not good. So 1
What is desired is a system that can handle transactions with one card company selected from multiple card companies on a single card.

An object of the present invention is to provide a transaction processing system capable of performing transaction processing with one trading partner selected from a plurality of trading partners with one card.

Another object of the present invention is to provide a transaction processing system capable of conducting transactions with a plurality of credit card companies with one card without carrying a plurality of credit cards.

Furthermore, this invention aims at providing the applied sulfo strike device to the transaction processing system.

[0008]

According to another aspect of the present invention, there is provided a transaction processing system in which a card is used to store transaction information and a plurality of customers are stored for each card. A host device provided with means is connected, the terminal device has means for transmitting the input transaction information to the host device, and the host device uses the card used when inputting the received transaction information. Yes and suppliers selection means for selecting one of the suppliers from a plurality of suppliers that are stored, means for processing the transactions based on the transaction information between the selected partner, against The above-mentioned supplier selection
The selection means is a specified reason from all the stored suppliers.
Except for business partners who cannot process the transaction due to reasons
A means for extracting all business partners and a terminal device
The means to send information of all suppliers and the sent transactions
The supplier specified in the terminal device from among the
And a means for selecting a business partner to be processed .

In this configuration, the terminal device transmits the transaction information input using the card to the host device. The host device selects one customer from a plurality of customers stored in the card used when the transaction information is input. Then, the transaction based on the transaction information received with the selected supplier is processed. In other words, one card can process a transaction with one customer selected from a plurality of customers stored in the host device for this card. Therefore, one card can handle transactions with a plurality of customers. Further, since a plurality of customers are stored in the host device instead of the card, the storage capacity of the card itself can be small. Thereby, the card can be manufactured at low cost.

[0010]

Further , the host device extracts all the trading partners other than the trading partner who cannot process the transaction for a predetermined reason from the stored trading partners, and transmits these trading partners to the terminal device. Then, the supplier specified in the terminal device is selected as the supplier for processing the transaction. Therefore, since the host device preliminarily excludes the trading partners who cannot trade for a predetermined reason, the terminal device does not specify the trading partners who cannot trade for this reason. As a result, the transaction processing that has started is interrupted for this reason, and it is not possible to select another customer and restart the transaction processing. Therefore, transaction processing can be smoothly performed.

According to a second aspect of the present invention, the terminal device displays a supplier display means for displaying information of all the suppliers sent from the host device, and a transaction displayed by the supplier display means. And a supplier designation means for designating one supplier from the destinations.

In this configuration, the trader display means displays tradeable traders transmitted from the host device,
Since the supplier to be trade-processed is designated from the displayed items, it is possible to designate the supplier while confirming the supplier on the terminal device.

According to a third aspect of the present invention, a priority order is given to a plurality of customers stored in the host device,
The supplier display means displays the information of a supplier having a high priority in order.

In this configuration, since a plurality of customers are displayed in order from the one with the highest priority, the customers can be designated by using this display as a guide. Therefore, the time required for designation (selection) of the customer can be further shortened, and the transaction processing can be processed more smoothly.

According to the invention described in claim 4 , the customer is a credit card company. With this configuration, transaction processing with a plurality of credit card companies can be performed with one card. Therefore, it is not necessary for the customer to carry a plurality of credit cards, and customer service can be improved.

According to the invention described in claim 5 , the credit limit amount is displayed for each credit card company displayed on the terminal device. Therefore, it is possible to give an appropriate guideline when the customer selects the credit card company on the terminal device. Therefore, it becomes easier to select the credit card company.

[0018] invention as set forth in claim 6 is a host device which is applied to transaction processing systems described 請 Motomeko 1.

[0019]

1 is a diagram showing the configuration of a transaction processing system according to an embodiment of the present invention. The transaction processing system of the present embodiment includes a terminal device 1 for inputting transaction information using a card, and a host device 2 connected to the terminal device 1. A plurality of terminal devices 1 are connected to the host device 2 as shown in the figure. The host device 2 is also connected to a credit card company (hereinafter, simply referred to as a card company) via a public line network (not shown). The card is a general magnetic card as shown in FIG. Here, this card is called an ID card. The magnetic stripe 6 of the ID card 5 stores information such as a card number (hereinafter referred to as an ID number) and an expiration date of the card.

FIG. 3 is a diagram showing the structure of the terminal device.
11 is a CPU, 12 is a ROM, and 13 is an RA
It is M. Reference numeral 14 is an input unit for inputting information on products to be traded by key operation. A card reader 15 reads information stored in the magnetic stripe of the ID card 5 or the credit card. A communication unit 16 performs information communication with the host device 2. A display unit 17 performs display processing. Reference numeral 18 denotes a printer that issues a voucher in which transaction details and the like are printed.

In this transaction processing system, one ID card 5 is issued to one customer. Further, the host device 2 is provided with a supplier file 20 shown in FIG. Issued ID in supplier file 20
Supplier record 21 is registered for each card. The supplier record 21 includes an ID number storage area 22 that stores an ID number, and a card company information storage area 23 that stores a card company record 30 shown in FIG. 4B that stores information about a card company. . A plurality of card company records 30 can be stored in the card company information storage area 23. The customer who received the ID card 5 is
Card company record 3 for each credit card you own
0 can be registered. Card company record 30
Can be registered by executing a new registration process described later. Further, the registered card company record 30 can be deleted by performing a deletion process described later.

In the card company record 30, a company name storage area 31 that stores the name of the card company that issued the corresponding credit card, an identification code storage area 32 that stores the identification code of this card company, and this credit card An encoded data storage area 33 for storing the encoded data of, and a first priority storage area 34 for storing the priority of this card company set by the customer,
A second priority storage area 35 for storing the priority of this card company set by the host device, and an expiration date storage area 36 for storing the expiration date of this credit card.
And a credit limit amount storage area 37 for storing the credit limit amount of this credit card. In the first priority storage area 34, the priority can be set by the priority changing process described later. It is a default until this priority changing process is performed. Further, the host device 2 performs a process of setting the priority order to be stored in the second priority order storage area when the card company record 30 is newly registered or at every set predetermined period. For example, the host device 2 under the following conditions
Set the priority to. (1) The higher the conversion rate of points given to the transaction amount, the higher the priority of the card company. (2) The card companies that have been used by customers for a longer period are given higher priority. (3) If the card company is in the service period, give higher priority. (4) The card companies with lower usage fees at the time of transaction are given higher priority. The priority order may be set under one of the above conditions (1) to (4), or the priority order may be set by combining a plurality of conditions. Furthermore, the above (1) to (4)
The priority order may be set using conditions other than.

The processing of the transaction processing system of this embodiment will be described in detail below. FIG. 5 is a flow chart showing the processing of the transaction processing system of the present invention. The terminal device 1 waits for the ID card 5 to be inserted into the card reader 15 (n1). When the ID card 5 is inserted, the card information including the ID number is read from the ID card 5 (n
2). Then, it waits for any key to be operated in the input unit 14 (n3). In the input unit 14, a new registration key operated when newly registering a card company record 30, a delete key operated when deleting a registered card company record 30, and a priority order of registered card companies. Priority change key to operate when changing the setting of
A transaction key and the like operated when processing a transaction are provided. When the terminal device 1 detects that the key is operated at n3, the terminal device 1 determines whether the operated key is a new registration key, a deletion key, a priority change key, a transaction key, or another key ( n4 to n7). When the new registration key is operated, new registration processing is performed (n8), when the deletion key is operated, deletion processing is performed (n9), and when the priority change key is operated, priority change is performed. Processing is performed (n10), transaction processing is performed when a transaction key is operated (n11), and processing corresponding to the operated key is performed when a key other than the above keys is operated (other processing). (N12).

First, the n8 new registration process will be described in detail. FIG. 6 is a flowchart showing the new registration process. The terminal device 1 waits for the newly registered credit card to be inserted into the card reader 15 (n21).
The customer uses a credit card reader 1 to register a new credit card.
Insert in 5. When a credit card is inserted into the card reader 15, the terminal device 1 reads the information stored in the inserted credit card (n22). The information read here includes information such as an identification code of the credit card company, encoded data, and an expiration date. Then, new registration data in which the ID number read in n2 and the information read in n22 are associated with each other is created (n23), and this is transmitted from the communication unit 16 to the host device 2 (n24).

Upon receiving the new registration data (n31), the host device 2 creates a card company record 30 based on the new registration data (n32). Further, the ID number is extracted from this newly registered data (n33). Then, the card company record 30 created in n32 is additionally registered in the card company information storage area 23 of the customer record 21 registered with the ID number taken out from the transaction file 20 in n33 (n34). Furthermore, a notification of registration completion is transmitted to the terminal device 1 (n35).

When the terminal device 1 receives the registration completion notification from the host device 2 (n25), it waits for the input of whether there is a credit card to be newly registered (n26).
Here, when the customer further inputs that there is a credit card to be newly registered, the process returns to n21 and repeats the above processing. On the other hand, if the customer inputs that there is no credit card to be newly registered, this process ends.

In this way, the customer stores the card company record 30 for each credit card he owns in the host device 2
You can register at. As will be described in detail later, by registering the card company record 30, it is possible to process a credit transaction using the ID card 5 (without using a credit card issued by this card company). become able to. Therefore, if you register multiple card company records 30,
The D-card 5 allows multiple credit card companies to process credit transactions. That is, without carrying a plurality of credit cards, it is possible to process credit transactions with a plurality of card companies simply by carrying the ID card 5.

Next, the deletion process related to n9 will be described. FIG. 7 is a flowchart showing the deletion process.
The terminal device 1 waits for a credit card to be inserted into the card reader 15 (n41). The customer inserts the credit card used when registering the card company record 30 to be deleted. When a credit card is inserted into the card reader 15, the terminal device 1 reads the information stored in the inserted credit card (n42). The information read here includes information such as an identification code of the credit card company, encoded data, and an expiration date. Then, deletion data is created by associating the ID number read in n2 with the information read in n42 (n
43), the communication unit 16 transmits this to the host device 2 (n44).

When the host device 2 receives the deletion data from the terminal device 1 (n51), the ID is extracted from this deletion data.
Retrieve the number and the identification code of the card company (n5
2, n53). Then, the supplier record 2 registered with the ID number extracted from the transaction file 20 at n52
1 is read out, and the corresponding card company record 30 is deleted from the card company records 30 stored in the card company information storage area 23 of this supplier record 21 (n54). Then, the deletion completion is notified to the terminal device 1 (n55).

When the terminal device 1 receives the deletion completion notification from the host device 2 (n45), it waits for the input of whether there is a card company to be deleted (n46). Now, if the customer enters that there are more credit card companies to delete,
Returning to n41, the above processing is repeated. On the other hand, if the customer inputs that there is no card company to be deleted, this processing ends.

As described above, the customer can delete the unnecessary card company record 30 by a simple operation.
The expired card company record 30 stored in the expiration date storage area 36 may be automatically deleted by the host device 2.

Next, the priority order changing process will be described. FIG. 8 is a flowchart showing the priority order changing process. The terminal device 1 creates a priority order change request including the ID number read in n2 (n61) and sends it to the host device 2 (n62).

When the host device 2 receives the priority change request from the terminal device 1 (n71), it extracts the ID number from the received request (n72). Then, the customer record 21 corresponding to the retrieved ID number is searched from the transaction file 20, and all the card company names in which the card company record 30 is stored in the searched customer record 21 are used as the customer information in the terminal device. Send to 1 (n7
3).

When the terminal device 1 receives the supplier information from the host device 2 (n63), all the card company names included in the supplier information are displayed on the display unit 17 (n6).
4). FIG. 9 is a diagram showing a display example of the display unit at this time. The display unit 17 displays the card company name and the current priority order in association with each other. Here, the customer moves the cursor to the displayed priority order of the card company whose priority order is to be changed, and operates the ten keys provided on the input unit 14 to input the priority order to be changed. The terminal device 1
The priority order setting input by the customer is accepted until the end key is operated (n65, n66). In addition, in FIG.
The cursor is at the position for inputting the priority of the ABC card company. Here, by operating the ten-key pad, it is possible to input the priority order of the ABC card company. When the customer completes inputting the priority for each card company, he operates the end key. When the priority order setting input is completed (when the end key is operated), priority order information corresponding to the priority order input for each card company is created (n67), and this is sent to the host device 2 ( n68).

When the host device 2 receives the priority order information from the terminal device 1 (n74), all the card company records 30 recorded in the corresponding supplier record 21 are recorded.
The priority order is set for the first priority information storage area 34 (n75). Then, the host device 2 notifies the terminal device 1 of the completion of the priority order setting (n76). Upon receiving the priority setting completion notification from the host device 1, the terminal device 1 completes this processing (n69).

Next, the transaction processing will be described. Figure 10
Is a flowchart showing a transaction process. Terminal device 1
Accepts the input of transaction information including the identification code (product identification code) of the product to be traded (n81). And
The ID number read in n2 is included in this transaction information and transmitted to the host device 2 (n82).

When the host device 2 receives the transaction information from the terminal device 1 (n91), it retrieves the ID number from the transaction information (n92). Then, the host device 2
The transaction record 21 corresponding to the D number is searched, and one card company record 30 is selected from the card company records 30 registered in the searched transaction record 21 (n93). Card company record 3 selected here
The card company corresponding to 0 becomes the card company that processes the transaction.

Here, the processing for the host device 2 to select the card company that processes the transaction will be described in detail. FIG. 11 is a flowchart showing a process of selecting a card company that processes a transaction. The host device 2 is a card company record 3
It is checked whether the first priority storage area 34 of 0 is the default (n101). That is, it is checked whether the priority of the card company is set by the customer. Then, if the priority is not set by the customer, the card company having the highest priority stored in the second priority storage area 35 is selected (n102). Then, it is determined whether or not the credit limit of this card company is less than or equal to the transaction amount of the transaction to be processed this time (n103). Here, when the transaction amount exceeds the credit limit amount, the card company with the next highest priority stored in the second priority storage area 35 is selected (n
104), and returns to n103. When it is determined that the transaction amount is less than or equal to the credit limit amount in n103, it is checked whether the expiration date has expired (n105), and if it has expired, the process proceeds to n104. If the expiration date has not expired in n105, this card company is selected as the card company of the customer (n107). Further, when the priority is set by the customer, the above-mentioned n is based on the priority stored in the first priority storage area 34.
The same processing as 103 to 106 is performed (n108 to 11).
1).

As described above, the host device 2 does not select a card company whose transaction amount exceeds the credit limit amount or a card company whose expiration date has expired as the card company of the trading partner. Therefore, there is no reason why the transaction is not permitted for these reasons.

When the host device 2 completes the selection of the card company that processes the transaction, the host device 2 makes an inquiry to the card company from the encoded data stored in the card company record 30 corresponding to this card company and the transaction information received at n91. Information is created (n94). Then, the created inquiry information is transmitted to the card company selected in n93 (n
95). The card company determines whether or not to permit the transaction based on the inquiry information sent, and sends the result to the host device 2. Upon receiving the inquiry result from the card company (n96), the host device 2 transfers it to the terminal device 1 (n97).

When the terminal device 1 receives the inquiry result from the host device 2 (n83), it determines whether the transaction is permitted (n84). If the transaction is not permitted, a transaction cancellation process for canceling the transaction is performed and the process is completed (n85). On the other hand, if the transaction is permitted, a clearing process such as issuing a transaction slip in which the transaction content is printed by the printer 18 is performed (n86). It should be noted that, as described above, this transaction was not permitted because it expired or because the transaction amount exceeded the credit limit, but it was not permitted for other reasons.

As described above, in the transaction processing system of this embodiment, by registering a plurality of card company records 30 in the customer record 21, the ID card 5 processes transactions with a plurality of card companies. Will be able to. That is, it is sufficient to carry one ID card 5 without carrying a plurality of credit cards. Therefore, the inconvenience that the customer has to carry many credit cards can be eliminated, and the customer service can be improved. In addition, since the host device 2 selects a card company whose transaction amount does not exceed the credit limit amount as the trading partner card company, the host device 2 may not be allowed to trade for these reasons. Absent. Therefore, it is possible to reduce the occurrence of unauthorized transactions, and the transaction processing is smoothly performed. Further, since the host device 2 automatically selects a card company as a customer, the customer does not need to consider where the customer's card company should be. Therefore, it is possible to shorten the time until the card company to be the transaction partner is selected, and the transaction processing is performed more smoothly. By setting the priority order, the customer can select a card company that matches his or her wishes as a customer.

Next, a transaction processing system according to another embodiment of the present invention will be described. The difference between this embodiment and the above-described embodiment is that the processing of selecting a card company to process a transaction at the time of transaction processing (processing of n93, FIG. 11).
It is the processing shown in. ). FIG. 12 is a process of selecting a card company that processes a transaction according to the transaction processing system of this embodiment. The host device 2 extracts all card companies whose transaction amount does not exceed the credit limit amount in the card company record 30 stored in the card company information storage area 23 (n11).
1). Then, the card companies extracted in n111 are transmitted to the terminal device 1 in descending order of priority stored in the first priority storage area 34 (n112). The first
Default priority storage area 34 is n1
The card companies extracted in 11 are transmitted in descending order of priority stored in the second priority storage area 35. At this time, the host device 2 also transmits the credit limit corresponding to each card company.

The terminal device 1 displays the host device 1 on the display unit 16.
Card companies are displayed in the order sent from (n12
1). That is, the display unit 17 displays the card companies in descending order of priority. At this time, the credit limit is also displayed corresponding to each card company. FIG. 13 shows a display example on the display unit 17 at this time. The customer designates the card company he / she wants to be a customer from the displayed card companies. The card company can be designated by moving the cursor to the desired card company and operating a predetermined key. It should be noted that the ABC card company is designated by operating a predetermined key during the display shown in FIG. When the card company is designated (n122), the terminal device 1 transmits the identification code of the designated card company to the host device 2 as a selection result (n123).

When the host device 2 receives the selection result from the terminal device 1 (n113), it reads the card company designated by the customer from the selection result and selects this card company as a customer (n114).

Since the other processes are the same as those in the above-mentioned embodiment, the description thereof is omitted here.

As described above, in the transaction processing system according to this embodiment, all the card companies whose host device 2 has not expired and whose transaction amount does not exceed the credit limit amount are extracted, and the transaction partners are selected from them. Since the customer is allowed to specify the card company to be specified, the card company that the customer does not want is not selected as the customer. Also, when letting the customer choose the card company that handles the transaction,
Since the credit card companies are displayed in order of priority and the credit limit is also displayed for each card company , it is possible to give a guide to the customer when selecting a card company , and the card company with which the customer is a business partner. The time required to specify can be shortened. Therefore, transactions can be processed smoothly.

A function of printing the name of a credit card company that can be traded may be provided on the surface of the ID card 5 inserted in the terminal device 1. By doing so, it is possible to easily determine the credit card company for which the customer has forgotten to register the card company record 30.
Therefore, customer service can be further improved.

Further, in the above-described two embodiments, the terminal device is installed in the store so that the customer can freely operate, and the customer can freely perform the above-mentioned new registration processing, deletion processing and priority setting processing. You may leave it.
The terminal device does not need the above-described transaction processing function. By doing this, new registration processing, deletion processing,
The priority setting process can be performed only by the customer, which has the effect of reducing the labor on the shop side.

[0050]

As described above, according to the present invention, a single card can be used to communicate with one customer selected from a plurality of customers stored in the host device for this card. The transaction can be processed at. Therefore, one card can handle transactions with a plurality of customers.
Further, since a plurality of customers are stored in the host device instead of the card, the storage capacity of the card itself can be small. Thereby, the card can be manufactured at low cost.

Further, since the host device preliminarily excludes the customers who cannot trade for a predetermined reason, the customers who cannot trade for this reason are not designated in the terminal device. As a result, the transaction processing that has started is interrupted for this reason, and it is not possible to select another customer and restart the transaction processing. Therefore, transaction processing can be smoothly performed.

Further, the trader display means displays the tradeable traders transmitted from the host device, and the trader to be traded is designated from the displayed ones. Therefore, the trader is confirmed in the terminal device. You can specify while.

Further, since the customers with the highest priority are displayed in order, the customers can be designated by using this display as a guide. Therefore, the time required for designation (selection) of the customer can be further shortened, and the transaction processing can be processed more smoothly.

If the transaction is specified as a credit transaction, transaction processing with a plurality of credit card companies is
You will be able to do it with one card. Therefore, the customer does not have to carry a plurality of credit cards, and the customer service can be improved. Since the credit limit is displayed for each transactable credit card company,
The terminal device can give an appropriate guideline when the customer selects a credit card company. Therefore, it becomes easier to select the credit card company.

[Brief description of drawings]

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

FIG. 2 is a diagram showing an ID card according to an embodiment of the present invention.

FIG. 3 is a diagram showing a configuration of a terminal device according to the embodiment of the present invention.

FIG. 4 is a diagram showing a configuration of a supplier record according to the embodiment of the present invention.

FIG. 5 is a flowchart showing the processing of the transaction processing system of this embodiment.

FIG. 6 is a flowchart showing a new registration process of this embodiment.

FIG. 7 is a flowchart showing a deletion process of this embodiment.

FIG. 8 is a flowchart showing a priority order setting process of this embodiment.

FIG. 9 is a diagram showing an example of a display screen at the time of priority setting processing of this embodiment.

FIG. 10 is a flowchart showing a transaction process of this embodiment.

FIG. 11 is a flowchart showing a process of selecting a supplier according to this embodiment.

FIG. 12 is a flowchart showing a process of selecting a supplier according to another embodiment of the present invention.

FIG. 13 is a diagram showing a display example on the terminal device when selecting a supplier according to this embodiment.

[Explanation of symbols]

1-terminal device 2-Host device 5-ID card 6-magnetic stripe 14-Input section 15 card reader 16-communication section 17-Display 18-Printer 20-Trade File 21-Customer record 22-ID number storage area 23-Card Company Information Storage Area 30-card company record 31-Company Name Storage Area 32-Identification Code Storage Area 33-encoded data storage area 34-first priority storage area 35-Second priority storage area 36-Expiration Date Storage Area 37-Credit Limit Storage Area

─────────────────────────────────────────────────── ─── Continuation of front page (58) Fields surveyed (Int.Cl. ⁷ , DB name) G07G 1/12 G06F 17/60

Claims (6)

(57) [Claims] 1. A terminal device provided with means for inputting transaction information using a card and a host device provided with means for storing a plurality of customers for each card are connected, and the terminal device comprises: The host device has means for transmitting the inputted transaction information to the host device, and the host device selects one transaction from among a plurality of business partners stored in the card used for inputting the received transaction information. has a partner selecting means for selecting previously the, and means for processing a transaction based on the transaction information between the selected partner, the partner selecting means, all suppliers stored in
Can't process the transaction for some reason
A means to extract all business partners other than the business partner and the terminal device
A means for transmitting the information of all the extracted clients,
The transaction specified by the terminal device is selected from the sent business partners.
A means to select a customer as the one that processes the transaction
And a transaction processing system comprising: 2. One transaction from a supplier display means for displaying information of all the customers sent from the host device on the terminal device, and a supplier displayed by the supplier display means. The transaction processing system according to claim 1 , further comprising: a transaction destination designating unit that designates a destination. 3. A priority order is given to a plurality of business partners stored in the host device, and the business partner display means displays the business partners in order of priority. transaction processing system as set forth in 2. 4. A transaction processing system according to any one of claims 1 to 3, characterized by storing a credit card company as the partner. 5. A store credit card company as the partner, the partner display means according to claim 2, characterized in that it comprises means for displaying a credit limit for each credit card company, expressed as suppliers Alternatively, the transaction processing system according to item 3 . 6. A transaction information receiving means connected to a terminal device for inputting transaction information by using a card and receiving transaction information from the terminal device, and a card used for inputting the received transaction information. And a means for processing a transaction based on the transaction information between the supplier selected by the supplier selecting means and a supplier selected from the plurality of customers stored in , wherein the partner selecting means, among all the suppliers who stores
Can't process the transaction for some reason
A means to extract all business partners other than the business partner and the terminal device
A means for transmitting the information of all the extracted clients,
The transaction specified by the terminal device is selected from the sent business partners.
A means to select a customer as the one that processes the transaction
And a host device.