JP2002117314A - Settlement processing device and its method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily carry out a settlement even when a customer using a point at a shop other than a point issuer. SOLUTION: The staff of a shop 10 sends a settlement recode to an administrative center 20 through a Web screen. A Web server 202 receives a settlement recode (argument) sent on a POST demand. A settlement processing program of an application server 203 subtracts consumption points from present points in a point account corresponding to a customer ID on the basis of the settlement record, adds the consumption points to an unpaid cost total amount of the shop account corresponding to a shop ID, and adds the transaction sum to the unpaid cost total amount of the shop account corresponding to the shop ID.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement processing technique for performing settlement processing of a transaction using points.

[0002]

2. Description of the Related Art The present applicant has proposed a service for collecting old articles such as books, CDs, video tapes and the like and giving points to the old articles. The service proposed by the present applicant is to collect old articles using a distribution channel close to consumers, such as a rice grain store or a liquor store. In addition, if consumers can purchase products at rice grain stores and the like using such points, it is convenient for consumers and stores such as rice grain stores. Furthermore, if points are allocated to consumers along with such product purchase, sales promotion can be further promoted. However, stores such as rice grain stores sell products to customers under their own account, and it is extremely complicated to deal with payment using points managed by a third party.

[0003]

SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and allows a customer to easily use points for settlement at a store that provides products and services to customers independently of the point issuer. It is intended to be able to do.

[0004]

According to the present invention, in order to achieve the above-mentioned object, a configuration as described in the claims is adopted. Here, the description of the claims will be supplementarily described.

[0005] That is, according to one aspect of the present invention, in order to achieve the above-described object, a payment processing device that processes payment using points: Money information storage means; customer owned point storage means for storing information on the number of points held by the customer; and a payment record including the number of points used by the customer for payment, the identifier of the customer, and the identifier of the counterparty store for payment. Means for reducing the number of points held by the corresponding customer stored in the customer holding point storage means in accordance with the number of points described in the payment record; and the points described in the payment record Means for increasing the amount payable to the corresponding store in the unpaid information storage means according to the number.

[0006] In this configuration, settlement can be easily performed even at a store that is not a point issuer.

[0007] Sales to customers may be performed in an actual store or in a virtual store.

[0008] The unpaid money for the business partner store is the accumulated points used by the customer for the payment at the business partner store, and is rejected when the point issuer makes the corresponding payment. The point rate is, for example, 1 yen per point. Of course, the rate is adjustable between the parties. Outstanding money can be managed and stored under the name of the unpaid money, other debts, or consumption points.

[0009] Further, the customer holding point storage means includes:
The number of points held by the customer may be stored individually according to the point attributes. For example, the above points are classified into a first point allocated to a customer according to a rule common to the entire business partner store and a second point allocated to a customer according to a rule determined by the business partner store. Are stored in the customer point storage means. Alternatively, the points are classified into a first point representing the debt to the customer of the point issuing organization and a second point representing the debt to the customer of the individual store. It is stored in the holding point storage means. The processing mode can be selected appropriately according to the attribute of the point.
For example, the first point stored in the customer possessed point storage means may be withdrawn first, and the second point may be withdrawn after the first point has disappeared.

[0010] The point issuing organization may directly or indirectly procure the commodities and supply them to the business partner stores. The store sells the products procured by itself and the products procured by the point issuing organization to customers at actual stores or virtual stores. In this case, for example, the first point is allocated to the customer when the merchant store sells the product managed by the point issuing organization to the customer, and the first point is allocated when each store sells the separately procured product to the customer. Two points may be allocated to the customer. Further, the first point may be allocated to the customer in response to the customer store taking the old article from the customer.

[0011] The point issuing organization may allocate the second point to each store according to payment of money or the like. Each store allocates the second point to the customer at its own discretion and discretion to the extent that the second point remains.

The present invention can be implemented not only as an apparatus or a system but also as a method, and at least a part thereof can be realized as a computer program.

The above-mentioned one aspect of the present invention and other aspects of the present invention are described in the claims and are explained in detail using the following embodiments.

[0014]

Embodiments of the present invention will be described below.

This embodiment focuses on continuous transactions between a customer, such as a rice grain store, which performs local business and customers, and promotes the purchase of used articles and the sale of commodities mutually. It provides a business model. In this embodiment, the points are obtained by the customer selling the old articles through the store. In addition, the customer uses the points to purchase merchandise handled at the store. The merchandise handled by the store includes merchandise individually procured by the store, merchandise procured by the headquarters, purchased by the store, and sold at the virtual store of the store. Customers can use the points at both actual stores and virtual stores. A customer is associated with a particular one or a limited number of stores and is automatically guided at the associated store when conducting a transaction at the virtual store.
Since the customer conducts electronic commerce at a virtual store operated by a familiar store, the customer can easily order a desired product with ease.

In the following, a description will be given mainly of dealing with used articles using an used article transaction confirmation slip, transaction using points, settlement of digestion points, and virtual shops.

First, the transaction of used articles will be described.

FIG. 1 shows a used article transaction environment using a used article transaction confirmation slip. In this figure, the transaction environment of this embodiment includes a store (member store) 10 connected by a communication network,
Office Management Center (Headquarters) 20, Site 3
0, a merchandise seller site 40 and the like appear. Customer 5
0 is also a used goods seller who purchases goods from the store 10 and deposits used goods in the store 10. The buyer of the used article is a used article purchaser (old article purchaser site 30). The old articles are, for example, books (magazines, books, photo books, etc.), CDs (compact discs), recorded videotapes, and the like. Of course, the used old articles are not limited to this. Store 10
Is sent to the used article purchaser site 30 using ordinary distribution means. The customer 50 can also purchase a product from the product dealer site 40 through a mail-order magazine or a web page. In this case, the merchandise can be obtained through the store 10, and in some cases, the merchandise can be obtained using the home delivery service. The store 10 sends a payment record, a purchase record, and the like to the office management center 20 via a communication network in connection with product sales and collection of used articles. The store 10 sends the slips to the office management center 20 by facsimile transmission or mail. These will be described later in detail.

As will be described later, the store 10 sets up a virtual store using the web server 202, for example, with the support of the office management center 20, and the store 10 purchases products from the product dealer site 40, It can also be sold to the customer 50 using a virtual store. In this case, the store 10
In response to an order from the customer 50, an order is placed for purchase from the merchandise seller 40.

The store 10 is, for example, a rice grain store. Store 10
May be any type of store, but it is preferable that the company conducts business activities closely related to the area and has fixed customers in the area. Rice stores and other companies offer delivery services that deliver products to customers' homes, etc., and conduct business in close contact with the local community. In addition, it may be a liquor store, a laundry store, a convenience store, a gas station, or the like. Of course, the store 10 is not limited to these. The store 10 provides goods and services to the customers 50. The store 10 has a client terminal 101. This client terminal is connected to the subscriber network 60 via a modem device or the like. The client terminal 101 is an information terminal such as a personal computer, an intelligent home appliance, or an intelligent telephone. i-mode (NTT Inc.
A mobile phone having a web browsing function such as a trademark of T. Docomo) may be used.

The office management center 20 includes the access server 2
01, web server 202, application server 2
03, a database management system 204, and the like, which are connected by a local area network (LAN) 210. The database management system 204 manages a customer database 205, a store database 206, a point database 207, a sales database 208, and the like. The access server 201 is connected to the client terminal 101 of the store 10 via the subscriber network 60 by PPP (point-to-point protocol).
CP / IP connection is established. Thereby, the client terminal 1
01 can exchange information with the office management center 20 on a web basis. Of course, information can be exchanged with another communication application. Web server 2
02 returns a web page in response to a request from a web browser (browsing agent, not shown) of the client terminal 101. The application server 203 processes various data (arguments) sent from the client terminal 101 via the web server 202, and stores and manages the processing results in the point database 207 and the sales database 208. The processes executed by the application server 203 in connection with this embodiment are a settlement process 203a and a point addition process 203b. This will be described later in detail. The application server 203 prepares a web page of the web server 202.

The office management center 20 also exchanges transaction data with a used article purchaser site 30 and a merchandise distributor site 40 via a predetermined communication network (indicated by broken lines). This is a normal mode and will not be described in particular. The office management center 20 may be operated by a used article purchaser or a merchandise seller, or may be operated independently of these.

The store 10 and the office management center 20 are connected via a subscriber network 60 by a PPP connection and are configured as a private network. However, they may be connected via the Internet or a communication company. Various wide area networks, such as an IP network provided by, can be used.

FIG. 2 shows an outline of a used article transaction in this embodiment. In this figure, used articles owned by the customer 50 are collected in the store 10. The customer 50 may bring a used article to the store, or the staff of the store 10 may return to the residence of the customer 50 for delivery or the like. At this time, a transaction between the staff of the store 10 and the customer 50 is confirmed using the used article transaction confirmation slip 70 (FIG. 3). Here, the transaction confirmation slip will be described.

The transaction confirmation slip 70 is, for example, as shown in FIG. 3, and includes a customer copy, a store copy (a copy for the store 10), a center copy (a copy for the office management center 20),
This is a double-leaf copy slip, such as a copy for a collecting company (a copy for a used article purchaser). FIG. 3 shows a center stay. The transaction confirmation form 70 includes a column 71 for describing the description of each used article, a column for describing points per point (a "number of points per point" column) 72, and a column for describing the desired quantity of customers to collect. ("Customer transaction desired number" column) 73, stores 10
Column that describes the quantity actually stored ("quantity" column) 7
4. It has a column 75 for describing the subtotal of points (the “number of points” column) 75 and the like. Further, columns 76 and 77 for describing customer ID and store identification information (store name and the like) and a column 78 for signing by a customer are provided.

The customer 50 enters the desired number and the total number thereof in the "customer transaction desired number" column 73 with reference to the description of the classification of the used articles. The staff of the store 10 refers to the classification description while looking at the old articles, confirms whether the description of the customer is correct, and fills in the "quantity" column 73, the "point number" column 75, and the total number column. It is preferable that the staff excludes items judged to be of no economic value due to damage or the like from transactions. After confirming the contents entered by the staff, the customer 50 signs in the signature field 78. The “number of customer transactions desired” column 73 may be printed in a different color so that the customer 50 can be easily identified, or may be entirely surrounded by a thick ruled line.

Returning to FIG. After the confirmation is completed on the transaction confirmation slip 70, the staff of the store 10
The customer ID, the total number of points, and the like are input on an input screen as shown in FIG. 4 using 1 (preferably a mobile terminal), and a purchase record (collection record) is sent to the office management center 20.

The "customer copy" of the transaction confirmation slip is passed to the customer, and the "center copy" is sent to the office management center 20.
The "collection of the collection company" is sent to the used goods purchaser site 30 together with the used goods, and is used for inspection and the like. Store 10
Keep a copy of the dealer's copy. The delivery of used articles to the used article purchaser site 30 is performed batchwise when a certain number of used articles are collected.

It should be noted that the staff of the store 10 checks the transaction confirmation slip 7
When the customer 50 deposits old articles with the customer 50 or after depositing, the individual registration (transaction confirmation slip) screen (the client terminal 101 such as a personal computer, a personal digital assistant, a dedicated terminal, etc.) shown in FIG. Individual ticket data (old article transaction data) may be input using an interface of an information terminal. The staff of the store 10 stores the store ID, the customer ID, the date of entry (the date of entry of the confirmation slip),
Enter the number for each input date (current date) and classification (level). Default input is possible for the store ID, the entry date, and the input date. When the number is input, the total point (subtotal, which is indicated as "total" in the figure) of the corresponding classification is automatically calculated, and the total number of used articles and the total point are also automatically calculated.

The individual form data is stored in a database (not shown) for individual form data in the office management center 20. The staff of the store 10 packs the old articles in association with the individual slips and requests collection. At this time, access the office management center 20 using a predetermined information terminal (such as a web browser),
A list of individual slips (FIG. 6) is browsed based on the corresponding individual slip data, and individual slips to be picked up / distributed are selected from the list to facilitate processing such as delivery, and a total slip (FIG. 7). Create Shipping operations are performed using the total votes. The staff of the store 10 basically requests a delivery company directly for a collection request. However, the collection request may be sent to the delivery company via the office management center 10 using the “collection request” button shown in FIG.

The purchase record is stored in the office management center 20 when individual slip data is input or when a total slip is created.

An input screen as shown in FIG.
The transaction confirmation slip (paper) is sent to the office management center 20 or the contents thereof are transmitted by facsimile without using the input screen as shown in FIG. You may make it input.

Next, the customer database 205 (FIG. 1)
Will be briefly described. FIG. 8 shows an example of a customer entry recorded in the customer database 205. The customer entry includes a customer ID, a name, an address, a telephone number, an e-mail address, and a store ID of a handling store (for example, one for each user). A rice grocery store is allocated, which is basically determined by the region but can be changed), and holds a point account identifier (number).

The store database 206 manages store IDs, store names, locations, managers, telephone numbers, e-mail addresses, transaction accounts, etc., as shown in FIG.

The point database 207 manages points by setting a point account for each customer, for example, as shown in FIG.

The sales database 208 manages information on ordering, delivery, etc., manages a settlement record as shown in FIG. 11, and manages the total receivable and the total payable for each store as shown in FIG. ing. In the case where the store 10 has settled the customer on behalf of the seller by mail order or the like (settlement agency), the receivable (the receivable from the office management center 20 or the store 10 of the merchandise distributor) is stored in the store 10. Remains. The store 10 usually takes a predetermined margin and remits the rest to the office management center 20 and the like. Store 10
Receives a part of the payment from the customer 50 in points, this should be originally reimbursed by the point issuer and becomes an unpaid amount. For example, when the store 10 receives cash of 2000 yen and 1000 points (equivalent to 1000 yen) from the customer 50 and performs payment of the product of 3000 yen in the settlement agency business of mail-order sales, the store 10
Is 3000 yen, and the unpaid amount is 1000 yen. These may be offset. Note that the store 10 purchases a product via the office management center 20, and stores the product in a real store or a virtual store.
In the case of sales to the office management center 20, the money-paid receivables (accounts receivable from the office management center 20) remain in the office management center 20, and the customer uses points (stores) at stores (including virtual stores).
In this case, the right to pay (the unpaid amount of the office management center 20) remains on the store 10 side. Such an example will be described later.

FIG. 13 shows the point addition processing in the office management center 20, the details of which are as follows. [Step S10]: The web server 202 receives the purchase record (argument) sent by the POST request (input on the screen of FIG. 4). [Step S11]: The purchase record is passed to the point addition processing program of the application server 203. [Step S12]: The number of added points is added to the point account corresponding to the customer ID.

Next, merchandise sales (such as mail order sales) in this embodiment will be described. In this example, a product is ordered using a mail-order magazine or a web page. For example, the customer 50 refers to a mail-order magazine acquired from the store 10 and places an order for a product using a predetermined application form (this format is basically the same as the delivery note shown in FIG. 15).
The store 10 receives this application form, and
Send the application form (center copy) to. Office management center 20
Requests the merchandise seller site 40 to ship the merchandise (to the store 10 or to the customer 50). The web page for commercial transactions is uploaded to a website published by the office management center 20 on the Internet (when the exchange between the store 10 and the office management center 20 is performed on the Internet, the web server 202 can also be used. ). In this case, the order information input from the customer 50 is
Receive and manage with GI etc. Then, it requests the merchandise dealer site 40 to ship the merchandise (to the store 10 or to the customer 50).

FIG. 14 illustrates an outline of a product sale example. In this figure, a product is sent from a product dealer site 40 together with a delivery note 80. Delivery note 80
As shown in FIG. 5, the ID and name of the customer who applied, the dealer, the purchase content, and the amount of money are described. Further, the delivery note 80 is provided with a dealer entry column 81 for describing a mode of payment, that is, a portion to be paid by points and a portion to be paid by cash, and a sign column 82 to be signed by a customer. When the customer 50 receives the product, the customer specifies the number of points to be paid (may be specified at the time of application). The staff of the store 10 enters the number of points and cash based on this. For example, 20 for 3000 yen payment
To use 00 points (one point is equivalent to one yen), enter "2000" in "Points"
Enter "1000" in "Cash". The customer 50 confirms this and signs the signature field 82.

The delivery note includes "customer copy", "store copy", "center copy", "commodity copy book" and the like.

Referring back to FIG. When the goods are sent from the merchandise dealer site 40 to the store 10, the staff of the store 10 stamps the handling mark of the store on "Make Merchandise Dealer" and hands the "Merchandise Merchant Copy" to the merchant. When the customer 50 receives the product, the staff of the store 10 fills out the payment mode, and the customer 50 confirms this and signs. The customer 50 pays predetermined cash and receives the goods. The “center copy” of the delivery note is sent to the office management center 20 (mail, facsimile transmission).

Thereafter, the staff of the store 10 sends the payment record to the office management center 20 using a web screen as shown in FIG.

FIG. 17 shows the processing of the payment record. The processing of the settlement record is as follows. [Step S20]: The web server 202 receives the payment record (argument) sent by the POST request (input on the screen of FIG. 16). [Step S21]: The payment record is passed to the payment processing program of the application server 203. [Step S22]: The consumed point number is subtracted from the current point number of the point account corresponding to the customer ID. [Step S23]: The number of consumed points is added to the total unpaid amount of the store account corresponding to the store ID. [Step S24]: The transaction total (“total” in FIG. 16) is added to the total amount of receivables of the store account corresponding to the store ID.

The unpaid amount of the store account indicates the amount of money to be paid to the store, and the unpaid amount indicates the amount of money to be received from the store. Liquidate with Actually, there are processes such as margins, which are complicated. Here, it is simplified for convenience of explanation.

Next, a process when the customer 50 purchases a product from the store 10 will be described.

FIG. 18 shows an outline of the processing at this time, and FIG. 19 shows a point use slip 90 used at this time. When the customer 50 purchases a product at the store 10, the staff at the store 10 listens to the payment mode and enters the number of points used in the point usage slip. The customer ID, name, and store information are also entered. The contents of this description are
And have the customer 50 sign it. The center copy of the point use slip 90 thus processed is sent to the office management center 20. Customer 50 and store 10
Stores the “copy for customers” and “copy for dealers” respectively.
The point use record (store ID, customer ID, consumption point, etc.) is sent to the office management center 20 using the point use record input screen shown in FIG. The settlement process is performed using this point use record as shown in FIG. In FIG. 21, the portions corresponding to those in FIG. 17 are denoted by the same reference numerals, and detailed description is omitted. In the case of FIG. 21, no receivable is generated for the store 10.

Next, an example will be described in which each store 10 builds an e-commerce site (virtual store 10A), purchases products from a product distributor (or the office management center 20), and sells the products to the customers 50. FIG. 22 schematically shows such a product sales form.

In this example, the office management center 20 registers the merchandise on the merchandise distributor site 40 in the merchandise master, and the operator of the store 10 refers to the merchandise master and the virtual store 10A.
Prepare individual product masters. That is, as shown in FIG. 23, the product master of the office management center 20 is prepared from the product master of the product distributor, and further, the product master of each virtual shop 10A is prepared from the product master of the office management center 20. For a product procured from a product seller, the ID of the product seller is included in the product number.
Similarly, the merchandise handled at the own store can be set individually by including the store ID of the store in the product number. Each store can prepare its own store-specific products in addition to a wide selection of procured products from a product distributor. In addition, store 10
Is a virtual store 10A in connection with product sales at an actual store.
Data can be used for sales management and inventory management.

In this example, the store 10 (virtual store 10A) in electronic commerce is limited for each customer 50. The virtual shop 10A used by the customer 50 is limited to a specific rice grain shop or the like that provides community-based services in the customer's activity area. The customer 50 first enters the office management center 20.
In this case, a member list is registered on the website, and a list of local stores 10 is displayed based on the postal code or the like at this time, and an easily usable store 10 is selected from the list and registered. Of course, the store 10 and the customer 50 in various modes
Can be associated with The association between the customer 50 and the store 10 (the virtual store 10A) can be held by registering the store ID in the customer entry in FIG.
In this example, the transaction is performed between the customer 50 and the store 10.

First, as shown in FIG. 24, the customer 50 inputs a user ID (customer ID) and a password on a website provided by the office management center 20. Access to the website can be performed using the client terminal 50A (a portable terminal such as a personal computer or a mobile phone, or a terminal such as an electronic kiosk in the store 10). Web server 202 of office management center 20
Etc. are accessible via the Internet if they are connected to the Internet via a router or the like.

Thereafter, as shown in FIG. 25, a web page (initial screen) of the store 10 associated with the customer 50 is displayed. The web page for each store 10 is generated based on information unique to the store 10 associated with the customer 50 by CGI, SSI, or the like. The browsing request may be redirected to a pass for each store. Information unique to the store 10 is displayed on a web page for each store 10, and
A bulletin board function, a product order receiving function, a mail function, and the like are provided. Community information can be provided using the bulletin board function.

When the product ordering function (“shopping”) is selected, a product list is displayed as shown in FIG. 26, and details of each product can be displayed as shown in FIG. By giving an instruction to put a product in the “shopping basket”, order preparation can be performed as shown in FIG. 28, and at this time, a use point can be indicated by referring to the number of available points. Thereafter, when the “order” button is clicked, a confirmation screen as shown in FIG. 29 is displayed.
When you click the "Confirm" button, store 10 (virtual store 1
An order is placed for 0A).

At each store 10, a list of order contents as shown in FIG.
0, a purchase order can be made to the merchandise dealer site 40.

With this order, the number of points used by the customer 50 is subtracted from the point account of the customer 50. The points thus digested are accumulated as the digested points of the store 10. The point is originally the customer's claim on the business management center 20. This credit is transferred to the store 10 when the customer 50 uses the points. The store's receivables relating to points are managed as consumption points (the same as the unpaid money of the above-mentioned office management center 20, and may be managed under the name of the unpaid money).

On the other hand, each store 10 purchases via the office management center 20, and accordingly has a payment obligation.

On a regular basis, for example, on a monthly basis, the consumption points and the payment obligation are offset between the store 10 and the office management center 20 (or individual merchandise dealers), and the remaining amount is paid by one party to the other. Request settlement to the parties.

In the above example, the office management center 20
When the customer 50 purchases the goods to be procured via
Points are allocated at a predetermined rate. This point is also a claim that the customer 50 has to the office management center 20. Points are accrued for actual payments minus usage points, and usage points are applied first to products with a high point rate.

The office management center 20 can allocate service points to each store 10 (in contrast, the points described so far may be referred to as “transaction points” and “commodity points” for convenience). ). The store 10 stores, for example, a service point at the office management center 20.
Can receive a service point when a customer purchases a product (for example, rice in a rice grain store) individually procured by his own store. In addition, each store 1
0 can assign service points to its own customers in a range owned by them, separately from sales of individual products. To manage service points for each store,
For example, as shown in FIG. 32, the store account (for example, managed by the sales database 208) holds the total amount of receivables, the total amount of payables (spending points), and the service points held, and each time the store 10 allocates service points to customers. What is necessary is just to deduct corresponding points from possession service points. When a service point is issued from the office management center 20 to the store 10, the issued amount is added to the owned service point.

Note that points are issued (added) at the time of product purchase.
The processing is performed as shown in FIG. As can be understood from this figure, no service points are issued when the store 10 does not have service points. FIG.
The processing contents indicated by are apparent from the figure, and therefore will not be particularly described.

In this example, the points are defined as “transaction points”, “merchandise points”, and the
0 is divided into “service points” corresponding to the debts held for the store 10 and individually managed as shown in FIG. That is, “transaction points” generated by selling used articles and “product points” generated by purchasing goods procured via the office management center 20 are managed in the “total first points” field. On the other hand, store 1
The service points generated by the purchase of goods individually procured by 0 and the service points allocated to the customer by the store as incentives are managed in the “cumulative second point” field.

It is preferable to set points so that the merchandise points (transaction points) are applied first. In this way, the customer 50 of the office management center 20
Will be reduced as much as possible, while the business management center 20 will have more security for the debt to the store 10.

In the above description, the customer 50 places an order for a product using the client terminal 50A. However, in the store 10, the staff of the store 10 uses a predetermined client terminal to specify the user ID of the customer (specifying the customer ID). It is also possible to place an order at the request of a customer.

Finally, the features of the embodiment will be summarized.

According to this embodiment, in the used article transaction confirmation slip, for each type of used article, a type description field, a point guide field per one point, a field for entering the number of properties to be delivered by the deliverer, a property to be received by the recipient A column for entering numbers and a column for subtotaling points are provided.

Using such a used article transaction confirmation slip,
Even those who are not skilled in dealing can easily calculate the points of old articles. In addition, since the number of properties to be delivered by the delivery person can be entered, the intentions of the delivery person and the delivery person can be confirmed smoothly.

According to another feature of this embodiment, a payment processing apparatus for processing payment using points: an unpaid information storage means for storing predetermined unpaid information for a customer store; Point storage means for storing information on the number of points held by the customer; means for storing a settlement record including the number of points used by the customer for settlement, the identifier of the customer and the identifier of the counterparty store for settlement; description in the settlement record Means for reducing the number of points held by the corresponding customer stored in the point storage means in accordance with the number of points to be provided; and the unpaid information storage means in accordance with the number of points described in the settlement record Means for increasing the amount payable to the corresponding store.

According to this configuration, it is possible to easily perform settlement even at a store that is not a point issuer.

It should be noted that the present invention is not limited to the above-described embodiment, and various changes can be made without departing from the spirit of the present invention. For example, the present invention can be applied not only to the case where points are given at a fixed rate when purchasing a product, but also to the case where a point issuer issues a coupon such as a shipping service or free provision of related products. In this case as well, when the customer uses the coupon, an unpaid amount is also generated at the point issuer. Therefore, the coupon of the customer is deleted or reduced, and the unpaid amount for the store is considerably increased.

[0069]

As described above, according to the present invention, it is possible to easily settle transactions using points in stores that are not point issuers.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a transaction environment in which a transaction confirmation slip according to an embodiment of the present invention is used.

FIG. 2 is a diagram illustrating an outline of a transaction of used articles in the embodiment.

FIG. 3 is a diagram showing an example of a transaction confirmation slip of this embodiment.

FIG. 4 is a diagram illustrating input of a transaction record by a staff member of a store 10.

FIG. 5 is a diagram illustrating entry of individual data using the individual registration screen by the staff of the store 10.

FIG. 6 is a diagram illustrating a list of individual slip data.

FIG. 7 is a diagram illustrating a mode of generating a total vote by performing a collection request.

FIG. 8 is a diagram illustrating a customer database 205.

FIG. 9 is a diagram illustrating a store database 206.

FIG. 10 is a diagram illustrating a point database 207.

FIG. 11 is a diagram illustrating a sales database 208.

FIG. 12 manages the amount payable for a store

13 is a flowchart illustrating processing of a transaction record in the office management center 20. FIG.

FIG. 14 is a diagram for explaining sale of goods (mail order and the like) in this embodiment.

FIG. 15 is a diagram illustrating an example of a delivery note used for selling a product.

FIG. 16 is a diagram illustrating an example of a screen for inputting a payment record.

FIG. 17 is a flowchart illustrating processing of a payment record.

FIG. 18 is a diagram illustrating sales of merchandise in a store in this embodiment.

FIG. 19 is a diagram illustrating a point use slip used for settlement of sale of merchandise in a store.

FIG. 20 is a diagram illustrating a point use record input screen.

FIG. 21 is a flowchart illustrating a flow of processing a point use record.

FIG. 22 is a diagram illustrating an electronic commerce mode in which a store purchases and sells.

FIG. 23 is a diagram illustrating correspondence between a merchandise seller, an office management center, and a merchandise master of each store.

FIG. 24 is a diagram illustrating a screen for electronic commerce.

FIG. 25 is a diagram illustrating a screen for electronic commerce.

FIG. 26 is a diagram illustrating a screen for electronic commerce.

FIG. 27 is a diagram illustrating a screen for electronic commerce.

FIG. 28 is a diagram illustrating a screen for electronic commerce.

FIG. 29 is a diagram illustrating a screen for electronic commerce.

FIG. 30 is a diagram illustrating an order processing from a store to an office management center.

FIG. 31 is a diagram illustrating types of points.

FIG. 32 is a diagram illustrating service points.

FIG. 33 is a diagram illustrating the assignment of points including service points to customers.

[Explanation of symbols]

 10 Store 10A Virtual Store 20 Office Management Center 30 Used Goods Buyer Site 40 Merchandise Distributor Site 50 Customer 60 Subscriber Network 70 Used Goods Transaction Confirmation Sheet 80 Delivery Note 90 Point Usage Slip 101 Client Terminal 101 Client Terminal 201 Access Server 202 Web Server 203 application server 203a settlement processing 203b point addition processing 204 database management system 205 customer database 206 store database 207 point database 208 sales database

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification FI FI Theme Court ゛ (Reference) G06F 17/60 ZEC G06F 17/60 ZEC (72) Inventor Yoshihide Tsuda 3--16 Higashi, Shibuya-ku, Tokyo No. 3 Brandu Co., Ltd. (72) Inventor Takanobu Okada 3-16-3 Higashi, Shibuya-ku, Tokyo Brando Co., Ltd. (72) Yuichi Furuya 3-3-1-3 Higashi, Shibuya-ku, Tokyo Co., Ltd. Brando (72) Inventor Yoshinobu Nakamura 3-16-3 Higashi, Shibuya-ku, Tokyo Brando Co., Ltd.

Claims (13)

[Claims] Claims: 1. A payment processing apparatus for processing payment using points, an unpaid information storage means for storing information on a predetermined amount of unpaid money for a customer store, and a customer for storing information on the number of points held by the customer. Holding point storing means, a means for storing a payment record including the number of points used by the customer for payment, the identifier of the customer and the identifier of the counterparty store for payment, and the number of points described in the payment record A means for reducing the number of points held by the corresponding customer stored in the customer holding point storage means, and a payable for the corresponding store in the payable information storage means according to the number of points described in the payment record. Means for increasing the amount of payment. 2. A settlement processing apparatus for processing settlement using points, wherein: digest point accumulated information storage means for storing accumulated information of digest points applied to payment by a customer at a business partner store; Means for storing customer holding points for storing the information of the customer, means for storing a payment record including the number of points used by the customer for the payment, the identifier of the customer and the identifier of the counterparty store for the payment, and the points described in the payment record Means for reducing the number of points held by the corresponding customer stored in the customer holding point storage means according to the number; and the digestion point accumulation information storage means according to the number of points described in the payment record. Means for increasing the cumulative value of the digestion points for the corresponding store of Apparatus. 3. The settlement processing apparatus according to claim 2, wherein said customer possessed point storage means individually stores the number of points held by the customer according to a point attribute. 4. The method according to claim 1, wherein the point is a first point assigned to the customer according to a rule common to the entire business store.
The second assigned by the rule set by the business partner store here
4. The settlement processing device according to claim 3, wherein the customer points are stored in the customer point storage means. 5. The points are classified into a first point representing a debt to a customer of a point issuing organization and a second point representing a debt to a customer of an individual store. 4. The settlement processing device according to claim 3, wherein? 6. The settlement processing apparatus according to claim 4, wherein the first point stored in the customer-maintained point storage means is removed first, and the second point is removed after the first point is exhausted. 7. The settlement processing device according to claim 4, wherein the first point is allocated to the customer when the business partner stores sells the product managed by the point issuing organization to the customer. 8. The settlement processing apparatus according to claim 4, wherein the first point is assigned to the customer in accordance with the fact that the customer shop takes the old article from the customer. 9. The settlement processing apparatus according to claim 4, wherein the second point is allocated to the customer when each store sells the individually procured merchandise to the customer. 10. A point issuing organization assigns a second point to each store, and, within the remaining range of the second point,
Claim 4 wherein each store assigns a second point to the customer.
The settlement processing device according to 5, 6, 7, 8 or 9. 11. A point management device that manages points for each member and can reduce the payment amount of the member according to the points, dividing the points into at least a first type of points and a second type of points. Point management device characterized by storing. 12. When the points of the first type are applied first and there are no more points of the first type, a second
The point management device according to claim 11, wherein points of the following types are applied. 13. A settlement processing method for processing settlement using points, comprising: a digestion point accumulation information storage step of storing accumulation information of digestion points applied to payment by a customer at a business partner store; and a number of points held by the customer. Customer storing point storing step of storing the information of the customer, the step of storing a payment record including the number of points used by the customer for payment, the identifier of the customer and the identifier of the counterparty store for payment, and the points described in the payment record Decreasing the number of points held by the corresponding customer stored in the customer holding point storage means according to the number; and the digestion point accumulation information storage means according to the number of points described in the payment record. Incrementing the cumulative value of digestion points for the corresponding store in Settlement process wherein the door.