JP2002373252A - Play charge settlement method in bowling alley, system therefor and store utilization charge settlement system and method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To introduce settlement by Internet banking as a means for the settlement in a bowling alley and to realize a seamless settlement procedure. SOLUTION: A play charge settlement method is provided with a process (a) of receiving a prescribed parameter regarding play charge settlement from a lane terminal, a process (b) of generating an interface for settlement instruction input from a bowling user on the basis of the received parameter and presenting it to the lane terminal, a process (c) of executing the settlement processing of a play charge of the basis of the reception of a settlement instruction from the user through the interface, a process (d) of transmitting the parameter regarding the executed settlement to the lane terminal on the basis that the execution of the settlement processing is ended, and a process (e) of outputting a score sheet from the lane terminal on the basis of the reception of the parameter regarding the executed settlement.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a usage fee settlement method and a system thereof in, for example, a bowling alley utilizing Internet banking.

[0002]

2. Description of the Related Art In recent years, most bowling alleys have introduced an auto lane system, which automatically detects a falling pin and detects the number of fallen pins without automatically marking the user. Is to be done. And
When play is over, the information is entered into the auto-lane system for each lane, and then paid by the cashier and all score sheets can be received.

[0003] Here, as a settlement method of the play price,
The main method is payment using cash or a credit card. However, payment by credit card requires the approval of the credit company, and there is a risk of unauthorized use.

Recently, payment by bank transfer using Internet banking has attracted attention as a method replacing credit card payment. According to Internet banking, the payment is made by the player transferring the money from his / her own bank account to the bank account at the bowling alley, which has the advantage that the bowling alley is safer than the credit card payment. .

[0005]

In the case where payment processing by Internet banking is to be performed seamlessly at a bowling alley, a system for transferring payment data from the bowling alley to a bank online is constructed. There is a need.

[0006] Generally, the parameters required for the settlement process differ depending on the bank. In addition, in order to smoothly perform the settlement process, parameters necessary for settlement must be received from the bowling alley without lack. Therefore, in order to introduce settlement by Internet banking, it is necessary to construct a system at the bowling alley side so that parameters sent to the bank are not leaked. Such restrictions are burdensome for bowling alleys and are substantially a drag on the adoption of Internet banking payments.

[0007] The present invention has been made in view of such circumstances, and a purpose of the present invention is to introduce the settlement by Internet banking as a means of settlement in various shops including a bowling alley, and reduce the burden and risk. It is an object of the present invention to provide a settlement method and a system thereof that can be reduced and can be provided to the convenience of a store user such as a player.

[0008]

According to a first main aspect of the present invention, there is provided a method for a bowling alley user to settle a play charge through a lane terminal. (A) receiving predetermined parameters relating to the settlement of the play fee from the lane terminal; and (b) generating an interface for inputting a payment instruction from the bowling user based on the received parameters. Presenting to the lane terminal;
(C) executing the payment processing of the play fee based on receiving a payment instruction from the user through the interface; and (d) executing the lane based on the completion of the payment processing. Transmitting a parameter related to the executed payment to the terminal; and (e) outputting a score sheet from the lane terminal based on receiving the parameter related to the executed payment. Provided.

According to such a configuration, it is possible to return the parameters relating to the settlement process to the bowling alley, confirm the funds transfer, and then output the score sheet on the spot. This has the effect of enabling seamless and secure transactions. Further, according to the above configuration, even if the parameter related to the play fee received from the lane terminal is insufficient and the shortfall is compensated by the communication with the user on the bank side, the matter is corrected on the bowling alley side. You can know. Therefore, even in this case, it is possible to output the score sheet on the spot.

According to one embodiment of the present invention, in the settlement method, the step (b) is required for login or settlement according to the type of the parameter received from the lane terminal and received from the bowling alley. Generating an input in the interface for the missing parameter. According to such a configuration,
Parameters not received from the bowling alley are supplemented by communication with the user, thereby making it possible to perform a payment process.

According to another embodiment, the step (c) generates an instruction to transfer the payment from the user's account to the bowling alley account. In this case, in the step (c), the user is authenticated, and the withdrawal account information of the user is obtained based on the result of the authentication, and the withdrawal account information of the user is stored in advance. And generating the transfer instruction based on the deposit account information of the bowling alley.

According to such a configuration, the settlement of the play price can be performed by transfer.

According to yet another embodiment,
It is preferable that the parameter related to the executed payment transmitted to the lane terminal includes at least the session ID and information generated by a predetermined logic from the session ID. According to such a configuration, even when the parameter related to the executed payment is received via the user's terminal, the authenticity of the parameter can be confirmed by using this information, and "impersonation" Can be prevented.

According to a second main aspect of the present invention, there is provided a system having a lane terminal installed in each lane of a bowling alley, wherein predetermined parameters relating to settlement of a user's play fee are transmitted to a bank server. Parameter transmission means for receiving, from the bank server, predetermined information relating to the settlement of the play fee of the user, a payment instruction input interface presentation means for generating a payment instruction input interface based on the information and presenting the interface to the user, A payment instruction transmitting unit that transmits a payment instruction input by the user through the interface to the bank server; a place core output unit that receives a parameter related to the executed payment from the bank server and outputs a place core based on the parameter. Is provided.

According to such a configuration, it is possible to obtain a settlement system that can suitably realize the settlement method according to the first main aspect.

The other features and remarkable effects of the present invention will be more clearly understood by referring to the following embodiments of the present invention and the accompanying drawings.

[0017]

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a schematic configuration diagram showing an embodiment in which the present invention is applied to a bowling alley.

In the figure, reference numeral 1 denotes a bowling alley server system (a bowling alley server system), 2 is provided in each lane of the bowling alley, and each lane terminal connected to the bowling alley server system 1; This is an Internet bank server system (Internet bank server system) in which a player (player) playing in each lane has an account. The Internet bank server system 3 has a settlement processing system 4 and a bank account system 5. The lane terminal 2 and the Internet bank server system 3 are configured to be able to communicate with each other via the Internet network or other communication networks. The lane terminal 2 is a personal computer provided for each auto lane system 6. The auto lane system 6 is a system configured to detect the number of defeated pins and a foul ball and automatically set and score the pins. The auto lane system 6 is configured to transmit information such as the number of plays, the number of players, and other paid options related to use to the lane terminal 2. However, in FIG. 1, details of the auto lane system 6 are omitted to avoid complication of the drawing.

FIG. 2 is a functional block diagram showing the bowling alley server system 1, the lane terminal 2, and the settlement processing system 4.

First, the bowling alley server system 1
Is a game score display unit 7 for presenting the totaled game scores after the play ends on the lane terminal 2 by an arbitrary method.
A payment target selection unit 8 for allowing a user to select a game and a payment method for which the user wants to settle the payment; a payment amount calculation unit 9 for calculating a payment amount according to the selection; and a payment parameter for the user. A payment parameter transmitting unit 10 for transmitting to the payment processing system 4, a processing completed parameter receiving unit 11 for receiving a processing performed parameter from the payment processing system 4, and a status in a clearing table (not shown) according to the processing parameter. And a print instructing unit 13 that issues a receipt and score sheet print instruction to the lane terminal 2 in response to the erase operation.

These components are actually a storage medium provided in the server system 1 and various computer software programs stored in the storage medium. These programs are called and executed by the CPU of the server system 1 on, for example, a RAM, and partly in the form of an HTML program.
And is executed on the lane terminal 2 so as to achieve the function of the present invention.

Here, the payment parameter is a parameter that is sent to the payment system of the bank server system 3 and used for performing a payment process, and is, for example, as shown in FIG. The parameter name and its specification (not shown) are publicly disclosed by the Internet bank. Thus, the bowling alley can create its own system program so as to transmit information corresponding to this parameter to the bank server system 3 in association with this parameter. In addition, as shown in FIG.
The use other than the “session ID” and “session ID” is optional, and may or may not be used.

In this embodiment, it is assumed that the bowling alley has its own transaction account at the Internet bank and has acquired the "company code" in the parameters.

Further, the processing-completed parameter is:
As shown in FIG. 4, the parameters are returned from the bank server system 3 to the bowling alley server system 1 via the lane terminal 2 after the processing such as settlement is performed by the bank server system 3. It is used for subsequent processing in the server system 1. In other words, the bowling alley server system 1 can perform a clearing process or issue various commands to the lane terminals based on the process-executed parameters.

Although the details of the above-mentioned settlement parameters and settlement-completed parameters will be described later, the transfer of the parameters between the bowling alley server system 1 and the settlement processing system 4 (bank server system 3) is all performed by the lane terminal 2. (FIG. 2). That is, each of the parameters corresponds to the lane terminal 2
An HTML program (for example, a hidden frame or the like) to be executed above or a command for executing the HTML program is passed. In this case, this parameter may be displayed on the lane terminal 2 or may not be displayed.

As shown in FIG. 1, the lane terminal 2 includes a display 15 and a printer 16. The lane terminal 2 receives a print instruction transmitted from the server system and a user's instruction in response to the print instruction. It is possible to print out the score sheet data received from.

On the other hand, the settlement processing system 4 shown in FIG.
As shown in FIG. 2, a payment parameter receiving unit 17 that receives predetermined parameters related to the play from the lane terminal 2 and a processing sequence control unit 1 that controls a processing procedure of the parameters based on the received parameters.
8, a login processing unit 19 for processing a user's login to the bank server system 3 and specifying the user's transaction account, and a user's instruction input according to the received parameters. An instruction input interface generation / presentation unit 20 for generating an instruction input interface and displaying it on the lane terminal, and a payment processing unit 21 for performing a payment process such as a transfer in accordance with an instruction from the user through the instruction interface. And a process-executed parameter transmitting unit 23 that transmits the process-executed parameter generated as a result of the above-described process execution to the bowling alley server system 1 via the lane terminal 2.

Here, the processing sequence control unit 18
Is the “application code” in the parameter (see FIG. 3)
, The user login processing unit 19, the settlement processing unit 21, and the account transfer contract processing unit 22 are selectively activated to perform only account authentication (application code = 1) and transfer only (application code = 2). It has a function.
When the application code is not included in the information received from the bowling alley server system 1, only the transfer (application code = 2) is executed.

Further, the user login processing section 19
When a parameter such as an account number for login is not included in the parameters received from the lane terminal 2, a first parameter input unit generation unit 24 that generates an input unit for inputting these parameters is provided.

Further, the instruction input interface generating / presenting unit 20 also inputs parameters necessary for a specific process, for example, a payment amount, etc., when the parameters received from the lane terminal 2 do not include the parameters. And a second parameter input unit generation unit 25 that generates an input unit for causing the input unit to generate an input unit.

On the other hand, the settlement processing section 21 includes a withdrawal account information acquisition section 26 for acquiring the withdrawal account information of the user based on the authentication result of the user login processing section 19, Account of the bowling alley based on the player code, that is, a deposit account information acquisition unit 27 for acquiring information of a deposit account, and transfer instruction data generation for generating a transfer instruction of a play price from the user account to the bowling alley account. And a processing-executed parameter generation unit 29 that generates a processing-executed parameter based on the transfer processing result. When the transfer instruction data is transmitted to the bank account system 5, the transfer processing is actually performed.

The result of such processing is expressed by the processing-executed parameter generating unit 29 as the processing-executed parameter shown in FIG. 4, and is transmitted from the processing-executed parameter transmitting unit 23 via the lane terminal 2 to the bowling site. The data is transmitted to the server system 1.

Hereinafter, the functions of the above-described components will be described in detail together with actual processing procedures. FIG. 2 shows S1 to S2.
A reference numeral 0 indicates a step code for referring to the processing procedure, which corresponds to steps S1 to S20 in the following description.

First, the game scores are totaled by the game score display section 7 and displayed on the display of the lane terminal 2 (step S1). The user checks his or her game score on the display.
Next, when the user makes a payment for the play fee, the payment target selection unit 8 of the bowling alley server system 1
A play list relating to the user's unsettled payment is presented, and the user is allowed to select a play to be settled and a payment method (step S2). If the payment by the Internet bank is selected as the play to be paid and the payment method, the payment amount calculator 9 calculates the payment amounts, and the payment parameter transmitter 10 sums them up.
The payment parameter is transmitted to the payment processing system 4 via the lane terminal 2 (steps S3 and S3).
4). The payment parameters are transmitted to the payment processing system 4 via a confirmation screen displayed on the lane terminal 2.

Here, regarding the "arbitrary" item in the settlement parameters shown in FIG. 3, it is up to each bowling alley to transmit the item. In other words, the bowling alley has a bank store number (JNBBR), an account number (NNBAC), and a name (CUST_NAME) on each lane terminal 2.
1, NAME2) etc. may or may not be entered,
When inputting, the information is transmitted in association with those parameters. Further, according to the selection of the above-mentioned payment product, the total amount is set to the amount (AM) in the parameter.
ENT). In this way, by giving flexibility to the use of the settlement parameter, each bowling alley can at least have a business code for identifying itself and a session I for identifying a transaction.
Since only D needs to be sent to the bank server system 3,
The burden on system construction is reduced.

The payment parameters transmitted to the bank server system 3 are acquired by the payment parameter receiving unit 17. Next, the processing sequence control unit 18
However, after activating the login processing unit 19 and performing the login process, according to the application code (see FIG. 3) in the parameter, only account authentication (application code = 1), only transfer (application code = 2). In order to perform the above, the user login processing unit 19 and the settlement processing unit 21 are selectively activated and controlled in a predetermined order (step S5).

Here, the application code can specify each bowling alley in accordance with the form of settlement at the bowling alley. For example, the process of "account authentication only"
This is used when it is only necessary to confirm the existence of an account in post-payment processing or the like.

Hereinafter, the processing procedure will be described taking as an example the case of “transfer only” (application code = 2), which is a typical settlement method.

In this case, first, the processing sequence control section 18 activates the user login processing section 19.
The log-in processing unit 19 includes:
When the information (store number and account number) necessary for login is included, the user is prompted to enter only the password, and then executes login (step S6). On the other hand, when the information necessary for login is not included, the first parameter input unit generating unit 24 displays a dialog for inputting parameters necessary for login on the lane terminal 2 and The other parameters are acquired (step S7).

Next, the instruction input interface generation / presentation unit 20 generates and presents an interface for inputting instructions to the user based on the received parameters, and accepts input of instructions (step S).
8). In addition, according to the type of the parameter received from the bowling alley, if there is a parameter required for settlement and not received from the bowling alley, the second
Is displayed on the lane terminal 2 on the lane terminal 2 (step S9).

According to this, the parameters not received from the bowling alley are supplemented by communication with the user, whereby the settlement processing can be performed.

The payment processing unit 21 executes the payment processing for the play price based on receiving a payment instruction from the user through the interface (step S10). In this case, first, the withdrawal account information acquisition unit 26 acquires the withdrawal account information (branch, account name) of the user based on the login result, and checks whether there is a balance of the amount related to the settlement. Confirm (step S11). Next, the deposit account information acquisition unit 27 acquires account information (branch, account name) of the bowling alley based on the company code in the parameter (step S12). Then, the transfer instruction data generating unit 28 creates a transfer processing command to the bank account system 5 based on the deposit account information and the withdrawal account information and the transfer amount acquired above (step S13). This transfer processing command is immediately transmitted to the bank account system 5, and the execution of the transfer processing is registered (step S1).
4).

When the transfer processing is executed, the processing-executed parameter generation unit 29 of the settlement processing unit 21 writes a predetermined value to each of the processing-executed parameters shown in FIG. 4 (step S15). That is, in the “session ID”, the session ID received from the bowling alley is entered as it is. In the “return session ID”, a character string generated by processing the session ID by a predetermined logic is entered. In the “status”, the application code is entered. Below the “transfer date”, enter bibliographic information on actual processing execution. It should be noted that information that was not included in the initial settlement parameters and that could be obtained in the course of the above-described transfer processing, such as “customer last name”, “customer last name”, and “customer name”, should be included in this information. To

Here, the “return session ID” is
This is information for preventing “spoofing” which makes it appear as if the processed parameter has been returned to the bowling alley server system 1 through the lane terminal 2. FIG.
Is a schematic diagram showing a procedure for generating the return session ID.

As shown in this figure, in this embodiment, the return session ID 34 is a company code 35 included in the settlement parameters on the bowling alley side, and an individual key 36 previously distributed to each bowling alley. The session ID 37 is generated by converting a character string by a predetermined character string conversion logic and applying a hash function to the character string 38. Then, after receiving the return session ID 34 at the bowling alley, the authenticity of the information can be confirmed by checking the return session ID 34 'generated by itself.

The processed parameters generated as described above are transmitted to the bowling alley server system 1 by the parameter transmission unit 23 after the confirmation of the user as shown in FIG. 2 (step S16). , S
17). This transmission is performed through an HTML program for acquiring the confirmation by the user.

In the bowling alley server system 1, the processed parameter is obtained by the processed parameter receiving unit 11, and the clearing processing unit 12 executes the clearing process of the order according to the content (step). S1
8). If the payment has been made without any excess or shortage, the receipt / score sheet print instructing unit 13 issues a score sheet print instruction to the lane terminal 2 (step S19). This allows the lane terminal 2
Printing of the score sheet is started from.

FIG. 5 schematically shows the above processing procedure. It should be noted that the reference numerals referred to by the symbol S in this figure correspond to those in FIG.

That is, according to this embodiment, the settlement parameters (denoted by 30 in the figure) passed from the bowling alley to the bank server side need only minimal information for specifying this transaction, while insufficient information Are requested by the Internet bank (steps S6 to S9).
Then, after the processing at the Internet bank is completed, the maximum information for specifying the contents of the processing (processing-executed parameters shown in FIG. 31) is returned to the bowling alley in real time through the lane terminal 2 (step S17).
The information of this processing result is accurate information authenticated by the Internet bank.

As described above, since the contents of the processing can be specified by the processing executed parameter 31, the information (settlement parameter 30) initially passed to the Internet bank may be incomplete, and the bowling alley may execute this processing. It is possible to acquire information necessary for the reconciliation process (step S18) using the reconciliation table 32 based on the completed parameters 31 and the subsequent procedures. Therefore, the user can receive the receipt and the output of the play sheet on the spot without leaving the lane, and can enter without leaving the checkout counter.

The present invention is not limited to the above embodiment, but can be variously modified without changing the gist of the invention.

For example, the payment parameters and the processed parameters are not limited to those described in the above embodiment, but can be variously changed according to the situation.

In the above embodiment, an example in which the present invention is applied to a bowling alley is shown, but the present invention is not limited to this. For example,
A terminal may be installed at each table of a restaurant, such as a izakaya, a sushi restaurant, and a family restaurant, or a terminal may be installed in each room of a karaoke box to settle a food and drink fee and a facility usage fee. This allows users of each facility to enter without having to stop by the checkout counter. In this case, after the settlement is completed, the terminal outputs a receipt or a receipt indicating the breakdown of the usage fee. As a result, even in the transfer settlement by Internet banking, the breakdown of the usage fee and the receipt can be obtained on the spot, and the convenience for the user can be improved.

[0055]

As described above, according to the above configuration, it is possible to return the parameters relating to the settlement processing to the bowling alley, confirm the funds transfer, and then output the score sheet on the spot. This has the effect of enabling seamless and secure transactions. Further, according to the above configuration, even if the parameter related to the play fee received from the lane terminal is insufficient and the shortfall is compensated by the communication with the user on the bank side, the matter is corrected on the bowling alley side. You can know. Therefore, even in this case, it is possible to output the score sheet on the spot.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram showing an embodiment of the present invention.

FIG. 2 is a functional block diagram showing a settlement processing system.

FIG. 3 is a view showing settlement parameters.

FIG. 4 is a view showing processing-executed parameters.

FIG. 5 is a schematic diagram for explaining a transfer process.

FIG. 6 is a diagram for explaining generation of a “return session ID”;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Bowling alley server system 2 ... Lane terminal 3 ... Internet bank server system 4 ... Settlement processing system 5 ... Bank account system 6 ... Auto lane system 7 ... Game score display part 8 ... Payment target selection part 9 ... Settlement amount calculation part 10 ... Payment parameter transmitting unit 11 ... Processed parameter receiving unit 12 ... Erasing processing unit 13 ... Receipt / score sheet print instruction unit 15 ... Display 16 ... Printer 17 ... Payment parameter receiving unit 18 ... Processing sequence control unit 19 ... Use User login processing unit 20 ... instruction input interface generation / presentation unit 21 ... payment processing unit 22 ... transfer contract processing unit 23 ... processed parameter transmission unit 24 ... first parameter input unit generation unit 25 ... second parameter Input unit generation unit 26 ... Payment account information acquisition unit 27 ... Payment port Account information acquisition unit 28 ... Transfer instruction data generation unit 29 ... Processed parameter generation unit 31 ... Processed parameter 32 ... Clearing table 34 ... Return session ID 35 ... Company code 36 ... Individual key 37 ... Session ID 38 … String

Claims (15)

[Claims] 1. A method for a bowling alley user to settle a play fee through a lane terminal,
(A) receiving predetermined parameters relating to the settlement of the play fee from the lane terminal; and (b) generating an interface for inputting a payment instruction from the bowling user based on the received parameters, and Presenting to the terminal; and (c) executing the payment processing of the play fee based on receiving a payment instruction from the user through the interface.
(D) Based on the completion of the settlement processing,
Transmitting a parameter related to the executed payment to the lane terminal; and (e) outputting a score sheet from the lane terminal based on receiving the parameter related to the executed payment. Method. 2. The settlement method according to claim 1, wherein the step (b) is (f) required for settlement according to a type of a parameter received from the lane terminal and not received from the user. The payment method further comprising: generating an input unit for a parameter as the interface. 3. The settlement method according to claim 2, wherein in the step (f), when a parameter required for login is not included in the parameters received from the user, the step (f) is performed for the login. A settlement method comprising a step of generating an input unit as the interface. 4. The settlement method according to claim 2, wherein, in the step (f), when the amount to be settled is not included in the parameter received from the lane terminal, the step for the amount is performed. A settlement method comprising a step of generating an input unit as the interface. 5. The settlement method according to claim 1, wherein the step (c) generates an instruction to transfer the settlement price from the user's account to the bowling alley account. Payment method. 6. The settlement method according to claim 5, wherein the step (c) performs authentication of the user, and obtains withdrawal account information of the user based on the authentication result. Generating a transfer instruction based on the withdrawal account information of the user and the previously stored deposit account information of the bowling alley. 7. The settlement method according to claim 1, wherein the parameters received from the lane terminal include at least a bowling alley I for specifying the bowling alley.
D, and a session ID for specifying the user's play session. 8. The settlement method according to claim 7, wherein the parameter related to the executed settlement transmitted to the lane terminal includes at least the session ID and information generated by a predetermined logic from the session ID. Settlement method characterized by the following. 9. A system having lane terminals installed in each lane of a bowling alley, comprising: parameter transmitting means for transmitting predetermined parameters relating to settlement of a user's play fee to a bank server; Payment instruction input interface presenting means for receiving predetermined information relating to the user's play fee settlement, generating a payment instruction input interface based on the information, and presenting the payment instruction input interface to the user; and a payment instruction input by the user through the interface. A payment instruction transmitting means for transmitting to the bank server, and a place core output means for receiving a parameter relating to the executed payment from the bank server and outputting a place core based on the parameter. 10. A settlement system for a bowling alley user to settle a play fee through a lane terminal, wherein parameter receiving means receives predetermined parameters relating to the settlement of the play fee from the lane terminal; Based on the received parameters, a payment instruction input interface generation information presenting means for providing the lane terminal with information for generating a payment instruction input interface for the user, and receiving a payment instruction from the user through the interface. Settlement processing execution means for executing the settlement processing of the play fee, and parameter transmission means for transmitting parameters related to the executed settlement to the lane terminal based on the completion of the execution of the settlement processing. A payment system characterized by having. 11. The settlement system according to claim 10, wherein the settlement instruction input interface presenting unit is configured to determine a parameter required for settlement and not received from the lane terminal according to a type of the parameter received from the lane terminal. Further comprising an input unit generating means for generating an input unit for use in the interface. 12. The settlement system according to claim 11, wherein the settlement instruction input interface presenting means is included in a parameter received from the lane terminal when a parameter necessary for log-in is not included. A payment system comprising an input unit generating means for generating an input unit for a parameter that does not exist as the interface. 13. A method for a user of a store to settle the usage fee of the store through a terminal installed in the store, wherein (a ′) a predetermined price related to the payment of the store usage fee is settled from the store terminal. Receiving a parameter;
(B ′) a step of generating an interface for inputting a transfer instruction from the store user based on the received parameters and presenting the interface to the store terminal; and (c ′) receiving a transfer instruction from the user through the interface. And (d ') transmitting parameters related to the executed transfer processing to the store terminal based on the completion of the transfer processing based on the received payment. And (e ′) outputting a store statement or a receipt from the store terminal based on receiving the parameters related to the executed transfer process. 14. A system having a store terminal installed in a store, comprising: parameter transmission means for transmitting predetermined parameters relating to settlement of a user's store usage fee to a bank server; Transfer instruction input interface presenting means for receiving predetermined information related to the settlement of a store use fee, generating a transfer instruction input interface based on the received information, and presenting the transfer instruction input interface to the user; and transmitting the transfer instruction input by the user through the interface. Transfer instruction transmitting means for transmitting to the bank server; and usage statement output means for receiving parameters related to the executed transfer processing from the bank server and outputting a statement of use or a receipt of the store based on the received parameter. Payment system. 15. A settlement system for allowing a store user to settle a store usage fee through a store terminal, comprising: parameter receiving means for receiving, from the store terminal, predetermined parameters relating to the settlement of the store usage fee. A transfer instruction input interface generation information presenting means for providing information for generating a transfer instruction input interface for the user to the store terminal based on the received parameters; and receiving a transfer instruction from the user through the interface. A transfer processing execution means for executing the transfer processing of the store usage fee based on the transfer, and a parameter transmission for transmitting a parameter relating to the executed transfer processing to the store terminal based on the completion of the transfer processing. And a settlement system.