JP2003016362A - Method for advance payment of credit sales - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method for advance payment of a credit poles which makes it possible to pay to an affiliated store within about 2 or 3 days. SOLUTION: When article purchase propriety information that a credit company terminal device 400 sends in response to a request to send the propriety information showing whether a customer with a customer ID 'C001' can buy an article shows that the customer can buy the article by using a credit card, a center server device 300 updates deposit information of the account of the alliance store with an alliance ID 'S001' in a short period, e.g. within 2 or 3 days while taking the amount shown by credit price information into consideration, so the alliance store can be paid to within about 2 or 3 days.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for advance payment of credit prices when conducting commercial transactions with credits.

[0002]

2. Description of the Related Art When purchasing a product using a credit card, the customer ID recorded on the customer's card, the store ID of the store selling the product, and the purchase price information in the credit are credited. It is transmitted to the company side terminal device and inquired whether or not the customer with this customer ID can purchase the product. Then, when the result of the inquiry indicates that the customer can purchase the product, the customer signs the product sales contract.

[0003] Then, the payment to this store (member store) is usually made by debiting the amount of money after deducting the fee of the card company after a period of 30 to 60 days.
Made by credit card companies and other institutions.

However, in the past, the payment to the member store is normally about 30 to 60 days, which takes a long period of time. Therefore, a new cash flow that can realize this in a short period of time is proposed. The emergence of a scheme to do so was desired.

Therefore, the present invention has been made in order to solve such a conventional problem, and provides a method for advance payment of credit price so that payment to a member store can be made in a few days. The purpose is to

[0005]

In order to achieve the above object, the present invention is a credit payment replacement payment method, in which a member store side terminal device reads a recording medium on which a customer identifier is recorded. A step of transmitting information including the read customer identifier, credit price information of the customer and the member store identifier of the member store, and the settlement information center side terminal device responds to the reception of the information by the customer. The step of requesting the credit company side terminal device to transmit the product purchase adequacy information indicating whether or not the customer of the identifier can purchase the product using credit, and the central server device responds to the request. If the product purchase adequacy information transmitted by the terminal device of the credit company side indicates that this customer can purchase products using credit, Taking into account the amount indicated by the credit amount information, and the step of updating the deposit information of the merchant's account of the merchant identifier within a short period of time, as characterized in that it comprises a city.

According to the present invention, the central server device can purchase the product by using the credit based on the product purchase adequacy information transmitted by the terminal device on the credit company side in response to the request. If this is indicated, the deposit information of the account of the member store of the member store identifier is updated considering the amount shown in the credit price information within a short period of time, for example, within a few days. 2,
It can be done in about 3 days.

[0007] The settlement information center side terminal device associates the customer identifier, the credit price information, and the member store identifier in association with each other with a unique case identifier and the date and time information of reception of the information associated with each other. It is also possible to accumulate a group of information that has been collected.

[0008] Further, the member store identifier and the account information indicating the account are registered in association with each other in the registration means, and the settlement information sensor side terminal device responds to the case information transmission request from the central server device. Is obtained by referring to the registered content of the registration means together with the accumulated information group,
The account information corresponding to the member store identifier may be transmitted to the central server device.

Further, the central server device uses the account information in consideration of the amount indicated in the previous credit price information within a predetermined time from the time specified by the reception date / time information in the received information group. You may make it update the deposit information of the account of the member store of the said member store identifier designated.

In the deposit information update processing by the central server device, the deposit information is updated so that the deposit amount increases by the amount obtained by subtracting the first and second fees from the amount indicated by the credit price information. You can The first fee is a second fee for each member store identifier.
Can be registered in the registration means of.

Further, according to the present invention, there is provided a credit payment advance payment method, wherein the credit company side responds to a request from the customer to send merchandise purchase adequacy information indicating whether or not the customer can purchase merchandise with credit. If the commodity purchase propriety information transmitted by the terminal device indicates that this customer can purchase the commodity by using the credit, the central server device determines the credit transmitted from the terminal device on the member store side. The update process is performed to update the deposit information of the account of the member store in consideration of the amount of money indicated by the price information. There is also provided a credit payment replacement payment method, which is performed within a day.

The above-described operation can be executed by a computer executing a program recorded in a recording medium. Examples of such a recording medium include a ROM and a semiconductor IC. The semiconductor recording medium, an optical recording medium such as a DVDROM and a CDROM, a magnetic recording medium such as a flexible disk, and a magnetooptical recording medium such as an MO that can record and read digital contents. Further, such a program can be downloaded from a predetermined information processing device via a communication network and recorded in a recording medium.

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is an overall configuration diagram of a commercial transaction system 1 according to an embodiment of the present invention. This system 1
Is a member store side terminal device 100 installed in a credit card member store, a credit company side terminal device 400 installed in a credit company, a deposit management device 500 installed in a bank, and an appropriate position on a network. And a central server device 300 and a settlement information center side terminal device 200 installed in the. The terminal device 1 on the member store side
Although a plurality of units such as 00 are naturally installed, only one unit is illustrated in the present embodiment for easy understanding of the present invention. In addition, required information is communicatively connected between the respective devices via an internet network or a dedicated line.

(Member shop terminal device 100) Next, the configuration and operation of each device shown in FIG. 1 will be described. First, the configuration and operation of the member terminal device 100 will be described. As shown in FIG.
The member store side terminal device 100 includes a processing unit 110 realized by a CPU or the like that operates according to an operation program, an input unit 120 realized by an input device such as a keyboard, and a C
An output unit 130 that can be realized by a display device such as RT, and H
Storage unit 140 that can be realized by D, etc., and card reader 15
It has 0 and. The storage unit 140 stores an operation program and a member store ID “S001” that is a member store identifier, and the processing unit 110 refers to and updates the information stored in this storage area. ing.

Further, a customer ID "C0" which is an identifier of a customer
The card 160 on which “01” is recorded is the card reader 150.
Card reader 150, the customer ID "C
“001” is read and passed to the processing unit 110. Then, when the customer purchases the product purchase amount, for example, by operating the input unit 120 to issue a transmission instruction, the processing unit 110 causes the customer ID “C
001 ”together with credit price information indicating the product purchase amount and the member store ID“ S0 ”stored in the storage unit 140.
01 ”is transmitted to the settlement information center side terminal device 200. The card may be an IC card or another card.

(Payment Information Center Terminal 200) FIG. 3
FIG. 3 is a configuration diagram of a settlement information center side terminal device 200. As shown in FIG. 3, the payment information center side terminal device 200 is
A processing unit 210 that is realized by a CPU or the like that operates according to an operation program, an input unit 220 that can be realized by an input device such as a keyboard, an output unit 230 that can be realized by a display device such as a CRT, and an HD or the like. Storage unit 24
It has 0 and. An operation program is stored in the storage unit 140, and a table storage area 250 for storing the table is formed. The processing unit 210 performs reference, update, etc. of the table stored in the table storage area 250. It is supposed to be done by.
In addition, the processing unit 210 is provided with a clock 211 capable of grasping time information with a calendar function, and can detect date and time information when the information transmitted from the member terminal device 100 on the member store side is received. .

FIG. 4 is an explanatory diagram of the table 251 stored in the table storage area 250. This table 25
1 is a case number that is uniquely added to each case, a reception date and time that is the date and time when the information from the member store side terminal device 100 is received, and a member store ID, a customer ID, and a credit price that are transmitted at that time. , OK flag can be stored in association with each other. The processing unit 210 associates the received member store ID, customer ID, and credit price with the item number and the reception date / time information and stores them in the table 251 in association with each other. In the example of FIG. 4, the member store ID “S001” and the customer I
An example is shown in which the information of D "C001" and the credit price "M1" is received at "○ month x day a hour b minute" and the case number "m001" is added to these information.

Further, the OK flag is set to "1" when the information that the customer can purchase the product is received as described later, and is set to "0" in other cases. This is the flag that is set. Therefore, the following credit price replacement payment is made only for the case where the OK flag is "1".

FIG. 5 is an explanatory diagram of another table 252 stored in the table storage area 250. In this table 252, the member store ID and the account information indicating the account number of the bank account are registered in association with each other. In the example of FIG.
The account number of the member store ID "S001" is registered as A1. The deposit management device 50 in FIG.
In general, 0 is installed in each of a plurality of banks, but in the embodiment of the present invention, it is assumed that the deposit management device 500 is one device installed in a certain bank for easy understanding of the operation. And explain.

(Credit company side terminal device 400) FIG. 6
FIG. 4 is a configuration diagram of a credit company side terminal device 400. As shown in FIG. 6, the credit company side terminal device 400 is
A processing unit 410 realized by a CPU or the like that operates according to an operation program, an input unit 420 realized by an input device such as a keyboard, an output unit 430 realized by a display device such as a CRT, and an HD or the like. Storage unit 44
It has 0 and. The storage unit 440 stores an operation program, and a table storage area 450 for storing a table is formed. The processing unit 210 performs reference, update, and the like of the table stored in the table storage area 450. It is supposed to be done by.

FIG. 7 is an explanatory diagram of the table 451 stored in the table storage area 450. This table 45
In item 1, the customer ID, the NG flag, the accumulated amount of money, and the number of points can be stored in association with each other. The NG flag is set to “0” when the customer can purchase the product by credit, but NG when the customer cannot purchase the product.
The flag is set to "1". Therefore, in the example of FIG. 7, the customer with the customer ID “C001” has the NG flag “0” and can purchase the product, but the customer ID “C0002”.
Are unable to purchase products. The processing unit 410 can transmit this NG flag information in response to a request from each device.

When the processing unit 210 receives the credit amount information, the processing unit 210 increases and updates the accumulated amount corresponding to the customer ID by the amount indicated by the credit amount information, or according to the updated accumulated amount. It is designed to update the number of points. The number of points may be updated according to an appropriate rule such as setting the number of points per yen and multiplying the number by the accumulated amount.

(Central Server Unit 300) FIG. 8 is a block diagram of the central server unit 300. As shown in FIG.
The central server device 300 includes a processing unit 310 realized by a CPU or the like that operates according to an operation program, an input unit 320 realized by an input device such as a keyboard, and a C
An output unit 330 that can be realized by a display device such as RT, and H
And a storage unit 340 that can be realized by D or the like. The storage unit 340 stores an operation program and a table storage area 350 for storing a table.
Is formed, and the processing unit 310 refers to, updates, etc. the table stored in the table storage area 350.

FIG. 7 is an explanatory diagram of the table 351 stored in the table storage area 350. This table 35
In 1, the member store ID and the corresponding normal fee are registered in association with each other. In the example of FIG. 13, the member store ID
The normal fee for “S001” is registered as “a (%)”. Thus, the first fee is required for each member store.

Further, the processing section 310 requests the settlement information center side terminal device 200 to transmit the information group shown in FIG. 4 to receive the information group from the settlement information center side terminal device 200, and the description will be given below. It is configured to make advance payments.

(Deposit Management Device 500) FIG. 9 is a block diagram of the deposit management device 500. As shown in FIG. 9, the deposit management device 500 is a CP that operates according to an operation program.
A processing unit 510 realized by U or the like, an input unit 520 realized by an input device such as a keyboard, an output unit 530 realized by a display device such as a CRT, and a storage unit 540 realized by an HD or the like are provided. . The storage unit 540 stores an operation program, and a table storage area 550 for storing a table is formed. The processing unit 510 performs reference and update of the table stored in the table storage area 550. It is supposed to be done by.

FIG. 10 is an explanatory diagram of the table 551 stored in the table storage area 550. This table 5
Reference numeral 51 can store the account number and the deposit information corresponding to the account number in association with each other. In the example of FIG. 19, the account number “A1” of the account of the member store ID “S001”
(See table 252 in FIG. 5), the deposit information is “Y
"M1".

(Operation) Next, the operation will be described. First, Fig. 1
The operation of the first half will be described with reference to FIG. First, the customer ID “C001” and the member store ID from the member store side terminal device 100.
"S001", credit price information "M1" is transmitted (step S1100), and the settlement information center side terminal device 2
It is assumed that the processing unit 210 of 00 receives these. Then, the processing unit 210 sets a case number “m001” unique to the case as shown in the table 251 of FIG. 4 and stores each reception information (member store ID, customer ID, credit price) in the corresponding area. At this time, the reception date and time of these pieces of information is obtained by detecting the date and time information from the clock 211 and stored in the reception date and time area (step S11102).

Next, the processing unit 2210 causes the customer ID "C0
01 ”and credit price information“ M1 ”are transmitted to the credit company side terminal device 400 (step S1104).
In response to this, the processing unit 410 updates the accumulated amount of money and the number of points corresponding to the received customer ID “C001” in the table 451, and further checks the corresponding NG flag (step S1106). In the example of FIG. 7, customer I
If D is "C001", the NG flag "0" is transmitted as OK information (step S1108). Although not shown, in the case of the customer ID “C0002”, the NG flag is “1”, so the NG information is transmitted.

Then, the processing unit 210 which has received the OK information.
Indicates “1” in the OK flag area of the table 251 in FIG.
On the other hand, the processing unit 210 that receives the NG information sets
“0” is set in the OK flag area of the table 251 in FIG. 4 (step S1110). Thus, table 2
Information of each area 51 is constructed.

Next, the operation performed by the central server device 300 will be described with reference to FIG. First, the processing unit 310 requests the settlement information center side terminal device 200 to transmit the case information constructed in the table 251 at an appropriate timing (step S1200). Processing unit 210 is OK
Item number, acceptance date and time, member store ID, customer ID, credit price information, and member store ID only when the flag is "1"
Since the account information (see FIG. 5) corresponding to is transmitted, the processing unit 310 receives these and accumulates them in a predetermined area of the storage unit 340 (step S1202). For example, the case number "m001", the date and time of reception "○ month x day a hour b minute",
The member store ID “S001”, the customer ID “C001”, the credit price information “M1”, and the account information “A1” corresponding to the member store ID are accumulated.

Next, in step S1204, the processing unit 310 determines from the credit price information M1 to the table 3
The first fee corresponding to the member store ID “S001” in 51, “a” (%) of M1, which is the first fee, is further subtracted, and the amount obtained by subtracting the reconstruction fee such as 2 (%) is calculated. The instruction information is transmitted to the deposit management apparatus 500 so as to be transferred to the account A1 within 48 hours (2 days) after the reception date and time "○ month x day a hour b minute".

In step S1208, processing unit 510 of deposit management apparatus 500 updates the balance of account A1 in table 551 as shown in FIG. 10 so as to be increased by the amount calculated in advance. In this way, the credit payment to the member store can be paid in a short period of time.

Therefore, according to the embodiment of the present invention, the central server device 300 responds to the transmission request of the propriety information as to whether or not the customer with the customer ID “C001” can purchase the product, in response to the credit company terminal device 400. If the product purchase adequacy information transmitted by the customer indicates that this customer can purchase the product using credits, the amount indicated by the credit price information within a short period of time, for example, a few days. Since the deposit information of the account of the member store with the member store ID “S001” is updated in consideration of the above, payment to the member store can be made in about a few days.

Also, the settlement information center side terminal device 300
Stores a group of information in which a customer ID, credit price information, and a member store ID are associated with a unique case number and information reception date / time information (reception date / time), which are associated with each other. Information can be centrally managed for each case.
Further, the member store ID and the account information indicating the account thereof are registered in the table 252 in association with each other, and the settlement information sensor side terminal device 200 responds to the case information transmission request from the central server device 300, and stores them. The account information corresponding to the member store ID, which is obtained by referring to the registered contents of the table 252, is transmitted to the central server device 200 together with the above-described information group, so that the account information can be easily grasped.

Further, the central server device 200 considers the amount indicated by the credit price information within a predetermined time, for example, within a few days from the time designated by the reception date information in the received information group, in consideration of the account information. Member store ID specified by
Since the deposit information of the account A1 of the member store of "S001" is updated, quick advance payment can be realized. Then, the central server device 300 updates the deposit information so that the deposit amount increases by the amount obtained by subtracting the first and second charges from the amount indicated by the credit price information, and the first commission and the member store ID. Since the fee is registered in the table 351 every time, it is possible to easily obtain the amount of money for the restoration in consideration of the normal fee and the restoration fee.

FIG. 14 is a hardware configuration diagram of a main part of each device shown in FIG. In the configuration shown in FIG. 14, CP
U1400, HD1410 as a recording medium recording the operation program 1412, keyboard 1420,
CRT 1430, and these are connected by a bus 1440 so that they can communicate necessary information with each other. And C
By executing the operation program 1412, the PU 1400 can realize the various operations described above.

Although the embodiments of the present invention have been described above, various modifications and changes can be made to the embodiments of the present invention without departing from the scope of the present invention. For example, the number of each device may be set to an appropriate number, the content of each table may be changed appropriately, and the central server device 30
Various changes may be made such that a device other than 0 performs an account transfer operation, a credit operation is performed in another mode, and the like.

As described above, according to the present invention, it is possible to pay the member store in about two to three days when conducting a commercial transaction with credit.

[Brief description of drawings]

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

FIG. 2 is a configuration diagram of a member store side terminal device 100.

FIG. 3 is a configuration diagram of a settlement information center side terminal device 200.

FIG. 4 is an explanatory diagram of a table 251.

FIG. 5 is an explanatory diagram of a table 252.

FIG. 6 is a configuration diagram of a credit company side terminal device 400.

FIG. 7 is an explanatory diagram of a table 451.

FIG. 8 is a configuration diagram of a central server device 300.

FIG. 9 is a configuration diagram of a deposit management device 500.

FIG. 10 is an explanatory diagram of a table 551.

FIG. 11 is an explanatory diagram of an operation example.

FIG. 12 is an explanatory diagram of an operation example.

FIG. 13 is an explanatory diagram of a table 351.

FIG. 14 is an explanatory diagram of a hardware configuration of each device.

[Explanation of symbols]

1 commerce system 100 Member terminal side 110 processing unit 120 input section 130 Output section 140 storage 150 card reader 160 cards 200 Payment Information Center Side Terminal 210 processing unit 220 Input section 230 Output section 240 storage 250 table storage area 251 table 252 table 300 Central server device 310 processing unit 320 Input section 330 Output section 340 storage 350 table storage area 351 table 400 Credit company terminal device 410 processing unit 420 Input section 430 Output section 440 storage 450 table storage area 451 table 500 deposit management device 510 processing unit 520 Input section 530 output section 540 storage 550 table storage area 551 table

─────────────────────────────────────────────────── ─── Continued Front Page (51) Int.Cl. ⁷ Identification Code FI Theme Coat (Reference) G06F 17/60 430 G06F 17/60 430 ZEC ZEC

Claims (7)

[Claims] 1. A credit payment replacement payment method, wherein a member store side terminal device reads a recording medium on which a customer identifier is recorded, and together with the read customer identifier, the credit amount information of the customer and the member store. And the payment information center side terminal device responds to the reception of these information, and the customer with this customer identifier can purchase the product by using the credit. The step of requesting the credit company side terminal device to transmit the merchandise purchase propriety information indicating whether or not it is possible, and the central server device is the product purchase propriety information transmitted by the credit company side terminal device in response to the request. When the customer indicates that it is possible to purchase products by using credits, the amount shown in the credit price information is taken into consideration for a short period of time. A step of updating the deposit information of the account of the member store of the member store identifier within the credit store, and the payment method for credit payment in advance. 2. The method according to claim 1, wherein the settlement information center side terminal device associates the customer identifier, the credit price information, and the member store identifier with a unique case identifier and the information. A payment method for credit payment in advance, which is characterized by accumulating an information group in which information added with the reception date and time information is stored. 3. The method according to claim 2, wherein the member store identifier and the account information indicating the account are registered in association with each other, and the payment information sensor side terminal device is the central server device. In response to a request for transmission of item information from, the accumulated information group and the account information corresponding to the member store identifier, which is obtained by referring to the registered content of the registration means, are transmitted to the central server device. A payment method for credit payments that is characterized by. 4. The method according to claim 3, wherein the central server device, within a predetermined time from a time point designated by the reception date / time information in the received information group, represents the amount indicated by the credit price information. In consideration of the above, the deposit information of the account of the member store of the member store identifier specified by the account information is updated, and the credit payment advance payment method. 5. The method according to any one of claims 1, 2, 3 and 4, wherein the update processing of the deposit information by the central server device is performed from the amount indicated by the credit price information to a first value. And a deposit payment advance payment method, characterized in that the deposit information is updated so that the deposit amount increases by the amount obtained by subtracting the second fee. 6. The method of claim 5, wherein the first fee is registered in the second registration means for each member store identifier. 7. A credit payment advance payment method, wherein a product transmitted by a terminal device of a credit company in response to a request for transmission of product purchase adequacy information indicating whether or not a customer can purchase a product with credit. When the purchase propriety information indicates that this customer can purchase products using credits, the central server device determines the amount indicated by the credit price information transmitted from the member terminal device of the member store. In consideration of the above, an update process for updating the deposit information of the account of the member store is performed, and the update process is performed within a few days from the request for transmission of the product purchase adequacy information in consideration of two types of fees. A payment method for credit payments, which is characterized in that