JP2002063348A - Method and system for relaying settlement information - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement information relaying system which can relay settlement information in common to money cards such as a credit card, a debit card, and a prepaid card, discriminate the degrees of user services according to those settling means, and guide a user to a settling means advantageous to a store. SOLUTION: The method and system for settlement information relaying relays settlement information between a store terminal and a dealing financial institution, and accumulate and hold points, on which a return of service such as discounting and gift presentation to the user is based, to be given to the user according to settlement contents in combination to a transmitting and receiving function for the settlement information. Further, the points can be issued on the basis of the point issue ratio set corresponding to the settlement contents.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and a system for relaying payment information for electronic payment, in which payment for the purchase of goods is performed by a money card for payment, such as a credit card, a David card, or a prepaid card. About.

[0002]

2. Description of the Related Art In a physical sale at a store for sale of goods, a purchaser uses a payment terminal installed in the store instead of paying cash to use a credit card, a David card, a prepaid card (for example, an IC card). ) Can be requested. For example, in the case of a credit card, payment information from a payment terminal is transmitted to the center system of the card issuing company via a communication line. In the center system, the creditworthiness of the user is checked, and if the credit ability sufficient to settle the settlement amount is recognized, a notice of settlement approval is returned to the store terminal. The seller of the store confirms this and transfers the purchased article to the user. In the center system,
At a later date, a transfer request summarizing the results of such user's card usage for each financial institution is sent to the financial institution. The correspondent financial institution completes the settlement by withdrawing the settlement amount from the user's account on a predetermined settlement date.

[0003] In such a settlement procedure, a card issuing company such as a credit card gives points to a user for each use in order to promote a transaction using the company's card, and a prize according to the points is given. When giving a gift or using a card, services such as reducing the purchase amount by a discount according to points are provided. However, in such a usage form, it is difficult for a local shopping street to issue unique points and to provide the user with a very detailed service rooted in the area. In addition, the payment fee paid by the store for card payment differs depending on the card company, but it has been difficult to guide the user to a payment method that is advantageous to the local shopping district.

[0004]

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to make it possible to relay payment information in common to various money cards such as credit cards, debit cards, and prepaid cards. An object of the present invention is to provide a settlement information relay system that differentiates a degree of user service according to a settlement means and can guide a user to a settlement means advantageous to a store.

[0005]

A settlement information relay method according to the present invention relays settlement information and settlement approval information in a money card between at least one store terminal and at least one financial institution for settlement. A point issuing process of issuing a service point set in accordance with the settlement information to a user of the money card every time the settlement approval information is relayed, and accumulating the service points. And a point holding step of holding the accumulated points together with the user identification information.

[0006] The present invention is a payment information relay system for relaying payment information and payment approval information in a money card between at least one store terminal and at least one financial institution for payment. Point issuing means for issuing service points to the user of the money card in accordance with the settlement information every time information is relayed, point accumulating means for accumulating the service points into accumulated points, and And point holding means for holding together with the identification information.

[0007]

Embodiments of the present invention will be described below in detail with reference to the accompanying drawings. FIG.
This is an embodiment of the present invention, and a payment information relay system (hereinafter, referred to as a “relay information relay system”).
(Referred to as a center system). A plurality of store terminals 1 a to 1 n are connected to a center system 3 via a public line 2. The center system 3 is connected to a financial network 5 via a dedicated line 4. The financial network 5 includes financial institutions 51a to 51d such as credit card companies, debit card financial institutions, and prepaid card companies. The center system 3 also has a settlement means information table 31, a user information table 32, a point issue ratio table 33
And the administrator terminal 34 are connected. Store terminal 1a
1 to 1n are credit card payment by credit card, debit card payment by debit card, IC
Prepaid card payment such as a card is possible. The store terminals 1a to 1n can further update service points stored in the IC card before.
The store terminals 1a to 1n and the financial institutions 51a to 51n
d may be at least one for each.

FIG. 2 shows an example of an operation procedure in the network diagram of FIG. Here, a time-series operation procedure in which the store terminal 1a, the center system 3, and the credit company 51a are interconnected is shown. First, the store terminal 1a accepts a settlement request based on a purchase of a product by a user (step S1). The shop terminal 1a transmits the payment information including the card company name, the user name, the user card number, and the payment amount to the center system 3 (step S).
2). The center system 3 that has received this searches the payment means information table 31 using the card company name included in the payment information as a key, and finds the dedicated line number (see FIG. 3) of the dedicated line 4 connected to the corresponding credit company 51a. Identification (step S3). Then, the settlement information is transmitted to the credit company system 51a via the dedicated line 4 (step S4). Credit company 51a receiving this
Determines whether or not settlement is possible based on the credit information of the user based on the settlement information, and determines whether settlement is approved or rejected (step S4). When the settlement is approved, the user is collectively requested to debit the financial institution of the user later. Next, the credit company system 51a replies to the center system 3 information on whether or not the payment has been approved or not, including the approval or disapproval of the payment (step S6). The center system 3 that has received this reply operates according to whether or not settlement is possible (step S7). First, in the case of a settlement rejection, the fact is returned to the store terminal 1a (step S
8). The store terminal 1a that has received the reply stops the payment processing. As the operation of the store terminal 1a, the sales transaction with the user is stopped, or another settlement means is negotiated with the user. The payment acceptance process is performed again from the beginning (step S1). On the other hand, when the settlement approval is obtained in step S7, the point issuance ratio is read from the point issuance ratio table 33 (step S9). The number of points in this transaction is calculated, for example, by multiplying the settlement amount by the point issuance ratio (step S9). Next, the obtained point number is added to the accumulated point number in the user information table 32 (step S10). Next, the center system 3 returns the settlement approval and the accumulated point number to the store terminal 1a (step S11).
The store terminal 1a that receives the information performs post-processing of payment by the card, for example, processing such as issuing a slip.
If the payment means is a prepaid card such as an IC card, the number of update points is stored in the IC card (step S12). At the store, the product is delivered and the sale is completed.

FIG. 3 shows a setting example of the settlement means information table in the present embodiment. Here, a dedicated line number to the connection destination of the corresponding financial institution is set according to the type of each money card. FIG. 4 shows a setting example of the user information table in the present embodiment. Here, as the information about the card registered for each user, the type of the card held and the card number are set, and the accumulated point number is stored for the plurality of cards registered for each user. Have been.

FIG. 5 shows a setting example of the point issue ratio table 33 in the present embodiment. Here, a point issuance ratio corresponding to each of a credit card issuing company, a David card issuing company, and a prepaid card issuing company such as an IC card is set as a settlement means. Such settings can be made by the administrator terminal 34.
The points given to the user are calculated, for example, by multiplying the settlement amount by the point issuance ratio. In FIG. 3, it is intended to set the highest point issuance ratio to the prepaid company and to guide the user's use of the card to the use of the prepaid card.

The point issue ratio is set in accordance with the above-mentioned settlement means, and the point remaining number,
The point issuance ratio may be changed in consideration of the user's usage status such as the settlement amount, the accumulated points, the annual accumulated points, the use period, or the number of uses.

[0012]

According to the method and system for relaying settlement information according to the present invention, it is possible to issue points in common even in settlement with different money cards such as credit cards, debit cards, and prepaid cards. By differentiating the point issue amount by the method, it is also possible to guide to a payment method that is advantageous for the store.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a network configuration according to an embodiment of the present invention.

FIG. 2 is a flowchart illustrating an operation procedure in the embodiment.

FIG. 3 is a diagram showing a setting example of a settlement means information table in the embodiment.

FIG. 4 is a diagram showing a setting example of a user information table in the embodiment.

FIG. 5 is a diagram showing a setting example of a point issue ratio table in the embodiment.

[Explanation of symbols]

 1 Store Terminal 2 Public Line 3 Center System 31 Payment Means Information Table 32 User Information Table 33 Point Issuance Ratio Table 34 Administrator Terminal 4 Dedicated Line 5 Financial Network 51 Financial Institutions including Card Companies

Claims (4)

[Claims] 1. A payment information relay method for relaying payment information and payment approval information in a money card between at least one store terminal and at least one financial institution for payment. Every time the money card is relayed, a point issuing process of issuing a service point set according to the settlement information to the user of the money card, a point accumulating process of accumulating the service point into an accumulated point, And a point holding step of holding together with the identification information of the user. 2. A payment information relay system for relaying payment information and payment approval information in a money card between at least one store terminal and at least one financial institution for payment. Every time the service card is relayed, a point issuing means for issuing a service point to the user of the money card in accordance with the settlement information; a point accumulating means for accumulating the service point into an accumulative point; A settlement information relay system, comprising: point holding means for holding together with identification information. 3. The settlement information relay system according to claim 2, wherein the point issuing unit further includes a unit that holds a point issue amount table that determines an issue amount of the service point, and issues the service point. In accordance with the setting of the point issue amount table. 4. The settlement information relay system according to claim 2, further comprising: means for transmitting the accumulated points together with the settlement approval information to the store terminal for storage in the money card. A settlement information relay system comprising: