JP2004318909A - Card settlement system for home delivery service - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card settlement method and card settlement system for a home delivery service in which the price of an article delivered by the home delivery service can be settled with a card and all cards can be settled. <P>SOLUTION: A home delivery trader 10 makes a membership contract with a credit company 12 and makes an article price collection entrusting contract with an article seller 14. When a consumer 16 orders an article 18 to the article seller 14 via the Internet, the article seller 14 requests the home delivery service to the home delivery trader 10. When the consumer 16 receives the delivered article 18, the consumer hands a credit card 20 over the credit company 12 under the membership contract with the home delivery trader 10 to the home deliver trader 10, and the home delivery trader 10 settles the price of the article 18 with a portable card reader 22. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a courier service card settlement system that can settle the price of a product with a card when the courier delivers the product to a consumer who ordered the product.

  2. Description of the Related Art Due to the development of courier services and rapid development of communication means such as the Internet, when consumers order products through the Internet or the like, the type of product purchase in which the ordered products are delivered to the consumer by courier is increasing. .

  Consumers pay cash for the goods delivered by courier, for example, at the entrance to a courier, or through a credit card company to which the seller belongs.

  However, in some cases, the consumers did not have cash for the goods. In addition, in a home delivery company, if there is change, the procedure becomes complicated, and it is necessary to manage cash received and change.

  Further, for example, when shopping at an Internet shopping mall established on the Internet, if the product to be ordered is located at a store opened in the Internet shopping mall, the product is displayed on the screen of a personal computer (hereinafter referred to as “PC”). Apply for Then, a selection screen for selecting a credit settlement method or a cash-on-delivery settlement method as a payment method for the commodity appears. When credit settlement is desired, when credit settlement is selected, a sign for inputting the number of a credit card and a screen for selecting and instructing a courier to deliver goods are displayed.

Then, the consumer transmits the credit card number, cash card number, and personal identification number of the credit card company or the financial institution to which the seller belongs through the network. As a result, the settlement is completed through the credit card company or the financial institution.
JP-A-10-105614

  However, since important personal information such as a credit card number, a cash card number and a personal identification number passes through a network or a seller, there is a concern that information is leaked.

  The present invention has been made in view of the above, and it is possible to settle the price of a product delivered by courier with a card, settle with a plurality of different cards, and prevent leakage of important personal information. It aims to provide a courier card payment system that can.

  According to the present invention, the information about a product is exchanged between a portable card reader carried by a courier who delivers the product to a consumer who has ordered the product and a server of a payment institution via a wireless communication line. A payment system for performing payment, wherein the portable card reader is configured to read information of a payment card used for payment by a consumer when delivering the product to the consumer; Transmission means for transmitting the payment information to a server of a payment institution performing payment via a wireless communication line; and reception means for receiving a credit inquiry result of the payment card by the server of the payment institution. The gist of the card reader is to receive the result of the credit inquiry and settle the price of the product.

  In addition, settlement of the product is carried out by exchanging information via a wireless communication line between a portable card reader carried by a courier who delivers the product to the consumer who ordered the product and a server of the settlement organization. A portable card reader, wherein the portable card reader reads information from a payment card issued by the payment institution, and reads the information of the payment card and the price information of the product via a wireless communication line. Information transmitting means for transmitting to a server of a payment institution, wherein the server of the payment institution receives payment card information and product price information from the portable card reader via a wireless communication line. Credit reference means for performing a credit reference of the consumer based on the received payment card information and information for determining the validity of a predetermined payment card; A settlement unit for settling the price of the product based on the result and the received price information of the product; and a result transmitting unit for transmitting the credit inquiry result to the portable card reader via a wireless communication line. The card reader has a result receiving unit that receives a credit inquiry result from the server of the settlement institution via a wireless communication line, and an issuing unit that issues a receipt based on the received credit inquiry result and the price information of the product. That is the gist.

  The gist of the invention is that the server of the settlement institution has a transfer means for transferring an amount obtained by subtracting a settlement fee from the price of the product to a server of a financial institution that performs settlement for the home delivery company.

  In addition, the server of the financial institution that performs settlement for the courier company transfers the amount obtained by subtracting a delivery-related fee from the amount transferred from the server of the settlement institution to the server of the financial institution that performs settlement for the seller. The point is to have a transfer means.

  Further, the gist of the invention is that the server of the clearing house has a deletion unit for deleting the information of the payment card received from the portable card reader after obtaining the credit inquiry result.

  Further, the portable card reader has a deletion means for deleting the information of the consumer's payment card after obtaining the credit inquiry result.

  Further, the payment institution is a credit company or a financial institution, and the payment card is a credit card issued by a credit company or a debit card issued by a financial institution.

  According to the present invention, when a product is delivered to a consumer, information of a payment card used for payment by the consumer is read by a portable card reader, and the information of the payment card and the price information of the product are settled via a communication line. By sending the payment to the server of the settlement institution performing the payment and receiving the result of the credit inquiry of the payment card by the server of the settlement institution, the payment for the commodity is settled, so that the payment for the commodity delivered by the courier service can be settled with the card.

  As a result, the consumer who ordered the product can purchase the delivered product and enjoy shopping without having to prepare cash for the price of the delivered product in advance, thereby improving the convenience of the consumer. And contribute to safety.

  The portable card reader reads information from a payment card issued by the payment institution, transmits the information on the payment card and information on the price of the product to a server of the payment institution via a communication line, and transmits the information to the server of the payment institution. Receives payment card information and commodity price information from a portable card reader via a communication line, and based on the received payment card information and information for determining the validity of a predetermined payment card. Make a credit inquiry of the consumer, settle the price of the product based on the credit inquiry result and the received price information of the product, transmit the credit inquiry result to the portable card reader via the communication line, The reader receives the credit inquiry result from the server of the settlement institution via the communication line, and issues a receipt based on the received credit inquiry result and the price information of the product, so that the reader can receive the credit inquiry. It is possible to settlement of the price in the card. As a result, the consumer who ordered the product can purchase the delivered product and enjoy shopping without having to prepare cash for the price of the delivered product in advance, thereby improving the convenience of the consumer. And contribute to safety.

  In addition, the server of the settlement institution that performs settlement for the consumer transfers the amount obtained by subtracting the settlement fee from the amount of the product to the server of the financial institution that performs settlement for the courier company, The settlement institution that performs the settlement can settle the commission related to the settlement and sell it.

  In addition, the server of the financial institution that performs settlement for the courier company must transfer the amount obtained by subtracting the delivery fee from the amount transferred from the consumer's institution to the server of the financial institution that performs settlement for the seller. Thus, the server of the financial institution that performs settlement for the home delivery company can settle the commission related to home delivery and sell it.

  In addition, the server of the payment institution that performs payment for the consumer deletes the information of the payment card received from the portable card reader after obtaining the result of the credit inquiry, thereby obtaining important personal information of the consumer. Leakage can be prevented.

  Further, the portable card reader can prevent leakage of important personal information of the consumer by deleting the information of the consumer's payment card after obtaining the result of the credit inquiry.

  Consumers who order the product can purchase the delivered product without having to prepare cash for the delivered product in advance, enjoy shopping, and improve the convenience and safety of the consumer. It has an excellent effect of being connected.

  In addition, the home delivery company does not need to transfer change to the consumer, so the efficiency of the home delivery operation can be improved, and the excellent effect that management of cash received from the consumer and management of change is not required is achieved. Have.

  In addition, the consumer does not need to reselect the home delivery service on the personal computer, and has an excellent effect that the home delivery service can be delivered by the home delivery service provider who desires the home delivery service.

  Further, the settlement institution that performs settlement for consumers is a credit company or a financial institution, and the settlement card is a credit card issued by a credit company, or a debit card issued by a financial institution, The consumer can make a credit payment by a credit card or a cash on delivery payment by a debit card.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

(First Embodiment)
FIG. 1 and FIG. 2 are diagrams showing a card delivery system for courier service according to the first embodiment of the present invention.

  As shown in FIG. 1, the courier company 10 makes a contract with the credit company 12 in advance. In addition, the home delivery company 10 has previously concluded a product collection and collection contract with a corporate or individual product seller 14 that has opened a store in the Internet shopping mall.

  Then, for example, when the consumer 16 has a product 18 (see FIG. 2) that he / she wants to purchase from the product seller 14 opened in an Internet shopping mall established on the Internet, the consumer 16 places a designated order for the product 18. Then, the merchandise seller 14 requests the home delivery of the ordered goods 18 to the home of the consumer 16 to the parcel delivery company 10 that has concluded the merchandise charge collection contract.

  Thereby, as shown in FIG. 2, the delivery company 10 delivers the product 18 to the home of the consumer 16 who ordered the product 18.

  Then, the consumer 16 receives the goods 18 from the courier company 10, and the consumer 16 hands the credit card 20 of the credit company 12 owned by the courier company 10 and to which the courier company 10 has signed a membership contract to the courier company 10.

  Then, the courier 10 inserts the credit card 20 into the small portable card reader 22 that the courier 10 carries on the spot, and records the authentication number (member number), expiration date, and the like recorded on this card. Read the card information. Then, the contents of the card record read by the portable card reader 22 are sent to the credit company 12 via a communication line such as a telephone line, the Internet, or a wireless line. The price of the product 18 is settled.

  Thereby, the payment for the product 18 is completed, and the delivery company 10 returns the credit card 20 to the consumer 16.

  Therefore, if the consumer 16 owns the credit card 20, he can enjoy shopping without preparing cash for the price of the product 18 in advance, and is safe because he does not need to prepare cash. .

  On the other hand, in the home delivery company 10, when the consumer 16 is provided with more cash than the price of the product 18, it is not necessary to hand over a change, so that the efficiency of the home delivery operation can be improved. Further, it is not necessary to manage cash or change of the received commodity price, and there is no risk of the cash being lost or stolen.

  As shown in FIG. 1, the amount of the product 18 paid to the credit company 12 is equal to the amount of the credit fee offset by the credit company 12 is paid to the courier company 10, and the courier agent 10 offsets the courier fee. The paid amount is paid to the product seller 14.

  Note that, instead of the credit company 12, a settlement contract may be made with a settlement institution such as a credit company or a financial institution.

(Second embodiment)
In the courier card settlement system according to the second embodiment of the present invention, the courier company 10 has previously entered into a comprehensive membership contract with a credit company 12 and a credit company or a financial institution as a plurality of different settlement institutions. It is assumed that. Note that the other configuration is the same as the configuration described in the first embodiment, and thus the description thereof is omitted.

  Therefore, for example, when the consumer 16 performs shopping at an Internet shopping mall established on the Internet, and the desired product 18 is located at the product seller 14 which is a member store of the Internet shopping mall, the product 18 is displayed on the screen of the personal computer. Apply for

  Then, a selection screen for selecting a credit settlement method or a cash-on-delivery settlement method as the settlement method for the product 18 appears. Then, the consumer 16 selects the cash-on-delivery settlement and selects the home delivery company 10. Even in such a case, since the courier company 10 has signed a member store contract with a plurality of credit companies 12, the consumer 16 can request credit settlement at the time of cash-on-delivery settlement, and can use his / her credit card. 20 can be used.

  Therefore, there is no need for the credit company 12 which has issued the credit card owned by the consumer 16 to reselect another courier service provider 10 who has a franchise contract on the personal computer. The designated delivery company 10 can be designated so that the product 18 is always delivered.

  The other operation and effect are the same as those described in the first embodiment, and thus the description thereof will be omitted.

  Further, in the present embodiment, a case has been described in which the payment for goods is performed by the credit card 20 using the credit company 12, but it goes without saying that a credit company may be used.

  Further, in the present embodiment, the case where the payment for the commodity is performed using the credit card 20 has been described, but a debit card may be used. When a bit card is used, the contents of the card read by the portable card reader 22 are sent to a portable financial institution via a communication line, and when there is no abnormality after a credit inquiry, the price of the home delivery product 18 is paid. Is settled collectively.

  Further, in the present embodiment, the courier service refers to an act of a third party's transportation business entrusted to a merchandise seller to deliver the merchandise to the consumer's home.

(Third embodiment)
FIG. 3 is an overall conceptual diagram showing a home delivery card payment system according to a third embodiment of the present invention. The third embodiment of the present invention describes in detail the home delivery card settlement system according to the first embodiment shown in FIGS.

  As shown in FIG. 3, a portable card reader 22 carried by a courier can be connected to a communication line 31 such as a telephone line, the Internet, or a wireless communication line. One communication interface (not shown) of the host computer 33 provided in the center is connected. Further, the other communication interface (not shown) of the host computer 33 is connected to a communication line 35 such as a telephone line or the Internet. The communication line also includes a settlement server 37 provided in a credit company, A courier service management server 39 provided in a courier company, a payment server 41 provided in a financial institution with which the courier has a settlement contract, and a financial institution in which a product distributor has a settlement contract. The settlement server 43 is connected.

  Next, as shown in FIG. 4, the portable card reader 22 includes an IC card I / F (interface) unit 45, a card reader 47, a pen reader 49, a keyboard 51, a memory unit 53, a control unit 55, a communication processing unit. 57, a display 59, and a printer 61.

  The IC card I / F unit 45 is connectable to an IC card used for electronic money. The card reader 47 reads an authentication number, an expiration date, a credit company name, and the like stored as magnetic information on the credit card. The pen reader 49 reads the inquiry number from the barcode written on the tag. The keyboard 51 is used to input the price of the product, an authentication number, and product identification information.

  The memory unit 53 has an internal RAM for preliminarily storing a terminal number unique to each portable card reader 22 and storing control data. The control unit 55 has a timer for measuring the date and time inside and controls each unit provided in the portable card reader. The communication processing unit 57 performs information communication with the host computer 33 via the communication line 31. The display 59 displays input contents and messages. The printer 61 prints a receipt when the card payment is completed.

  Then, by turning on a power switch (not shown) provided in the portable card reader 22, a control program is read from the memory unit 53 to the control unit 55, and, for example, operation guidance is displayed on the display 59. In accordance with this, the courier passes the credit card through the card reader 47 to read the card data, and the merchandise amount and merchandise identification information representing the price of the merchandise are input from the keyboard. Next, the inquiry number is read from the barcode by the pen reader 49, and the authentication number is input from the keyboard 51. Then, the terminal identification number of the portable card reader 22 stored in the memory unit 53 is read out in advance, and the authentication number / expiration date, the product amount, the product identification information, the inquiry number, and the authentication number are set as one set of terminal collection information. , From the communication processing unit 57 to the host computer 33 provided in the information processing center via the communication line 31. When the availability information is received from the host computer 33 via the communication processing unit 57, the printer 61 prints a receipt printed with the product inquiry number, credit company, product price, and the like.

  Next, as shown in FIG. 5, the host computer 33 includes a communication processing unit 63, a communication control unit 65, a communication processing unit 67, a communication control unit 69, a control unit 71, and a storage unit 73.

  The communication processing unit 63 performs information communication with a plurality of portable card readers 22 via a plurality of communication lines 31. The communication control unit 65 controls the plurality of communication processing units 63. The communication processing unit 67 performs information communication with the plurality of servers 37, 39, 41, and 43 via the plurality of communication lines 35. The communication control unit 69 controls the plurality of communication processing units 67. The control unit 71 has a timer for measuring the date and time inside and controls each unit provided in the host computer. The storage unit 73 stores transaction information, card information, and terminal information as a database.

  As shown in FIG. 6, the database stored in the storage unit 73 stores an inquiry number indicating a product management number, a product amount, a product type, and the like as transaction information, and credit card information or card type as card information. The number (which is stored only temporarily) is stored, and the terminal identification number of the portable card reader distributed to the home delivery company is stored as the terminal information.

  Then, when the terminal collection information from the portable card reader 22 is received by the communication processing unit 63 via the communication line 31, the control unit 71 stores the terminal collection information in the database of the storage unit 73, and A credit check request to which the authentication number of the person and the expiration date are added is transmitted from the communication processing unit 67 to the settlement server 37 provided in the credit company via the communication line 35.

  Then, when the communication processing unit 67 receives the confirmation information from the settlement server 37 provided in the credit company, the control unit 71 sends the available information or the unusable information included in the confirmation information to the inquiry in the database. It is stored as card information corresponding to the number, and this confirmation information is transmitted from the communication processing unit 63 to the portable card reader 22 via the communication line 31.

  At the same time, the control unit 71 deletes the credit card authentication number stored in the database provided in the storage unit 73. As described above, since the authentication number of the credit card once stored in the storage unit 73 is deleted, leakage of important personal information can be prevented.

  Further, when the specified time for transferring the database contents negotiated between the credit company and the courier company comes, the control unit 71 transmits the stored contents stored in the database of the storage unit 73 from the communication processing unit 67. The data is transferred to the home delivery management server 39 provided in the home delivery company via the communication line 35. Then, the control unit 71 reads out the card information in the database of the storage unit 73, and reads out the price of the product (the price of the product) in the transaction information when the confirmation information includes the usable information. And a function of transmitting the amount (A) obtained by subtracting the credit fee from the payment service to the settlement server 41 provided in the financial institution with which the home delivery company has made a settlement contract.

  Next, as shown in FIG. 7, the home delivery management server 39 includes a communication processing unit 75, a communication control unit 77, a control unit 79, a display control unit 81, and a storage unit 87.

  The communication processing unit 75 performs information communication with the host computer 33 or the settlement server 41 of the financial institution contracting with the home delivery company via the plurality of communication lines 35. The communication control unit 77 controls a plurality of communication processing units 75. The control unit 79 has a timer for measuring the date and time inside and controls each unit provided in the home delivery management server 39. The display control unit 81 displays on the display unit 83 the contents of information communication performed with the host computer 33 or the settlement server 41 and the contents stored in the storage unit 87. The storage unit 87 stores transaction information, card information, terminal information, and account information as a database.

  In the database stored in the storage unit 87, as shown in FIG. 8, an inquiry number indicating a management number of a product, a product amount, a product type, and the like are stored as transaction information, and credit company information is stored as card information. Have been. Further, in this database, the terminal identification number of the portable card reader distributed to the home delivery company is stored as the terminal information, and the transaction contents and the deposit amount are stored as the account information.

  Then, when the content stored in the database is received from the host computer 33 via the communication processing unit 75, the control unit 79 stores the received information in the database of the storage unit 87. Then, when the specified remittance completion time agreed between the credit company and the courier company is reached, an account content inquiry request is transmitted to the settlement server 41 of the financial institution with which the courier company has a settlement contract. Then, the account information received from the settlement server 41 of the financial institution is stored in association with the inquiry number in the database of the storage unit 87. Then, when the credit company receives a deposit (A) of the product from the credit company with respect to the account information corresponding to each inquiry number stored in the database, the control unit 87 checks the deposit amount in the account information of the database. (A) is read, and the amount (B) obtained by subtracting the home delivery fee from the deposit amount (A) is transmitted to the settlement server 43 provided at the financial institution with which the seller has made a settlement contract.

  Next, the operation of the home delivery card payment system according to the third embodiment of the present invention will be described with reference to flowcharts shown in FIGS. 9 to 11 and a sequence diagram shown in FIG. The flowchart of the portable card reader shown in FIG. 9 is stored in the control unit 55 as a program. The flowchart of the host computer shown in FIG. 10 is stored in the control unit 71 as a program. Further, the flowchart of the home delivery management server shown in FIG. 11 is stored in the control unit 79 as a program.

  In the third embodiment as well, as in the first embodiment, the home delivery company 10 makes a membership contract with the credit company 12 in advance. In addition, the home delivery company 10 has previously concluded a product price collection commission contract with a corporate or individual product seller 14.

  Then, for example, when the consumer 16 places a designated order for the product 18 to be purchased from the product seller 14, the product seller 14 instructs the courier company 10 that has concluded the product price collection commission contract with the product that received the order. A home delivery is requested to deliver 18 to the home of the consumer 16.

  As a result, as shown in FIG. 2, the home delivery company 10 delivers the product 18 to the home of the consumer 16.

  Then, the consumer 16 receives the product 18 from the courier company 10 and hands over the credit card 20 of the credit company 12 owned by the consumer 16 and to which the courier company 10 has signed a membership contract to the courier company 10. .

  Then, the home delivery company 10 inserts the credit card 20 into a card reader 47 provided in the small portable card reader 22 carried by the home delivery company, and causes the information recorded on the card to be read.

  Therefore, in FIG. 9, in step K10, the card reader 47 reads card information such as an authentication number and an expiration date for identifying a member recorded on the card 20, and reads the card information from the control unit 55 to the internal unit provided in the memory unit 53. Temporarily store in RAM.

  Then, in step K20, the home delivery company 10 inputs the price of the product from the keyboard 51, so that the price of the product is temporarily stored in the internal RAM of the memory unit 53 from the control unit 55.

  Then, in step K30, the courier company 10 inputs the product identification information for identifying the product such as the product fee and the transportation fee from the keyboard 51. The product identification information is transferred from the control unit 55 to the internal RAM of the memory unit 53. Store it temporarily.

  Then, in step K40, the courier company 10 can use the pen reader 49 to read the inquiry number of the product from the bar code described on a part of the tag, and then sends the inquiry number from the control unit 55 to the internal RAM of the memory unit 53. To temporarily memorize.

  Then, in step K50, the home delivery company 10 inputs the authentication number indicated on the card 20 from the keyboard 51, so that the authentication number is temporarily stored in the internal RAM of the memory unit 53 from the control unit 55.

  Then, in step K60, the control unit 55 reads out the terminal identification number of the portable card reader 22 stored in the memory unit 53 in advance, and further stores the authentication number and the expiration date temporarily stored in the internal RAM. The card information, the product price, the product identification information, the inquiry number, and the authentication number are read out, and these information are collected as a set of terminal collection information and transmitted to the host computer 33 provided in the information processing center via the communication line 31. .

  10, the control unit 71 of the host computer 33, which has received the terminal collection information from the portable card reader 22 via the communication line 31, stores the terminal collection information as shown in FIG. It is stored in the database of the unit 73.

  Then, in step H20, a credit check request to which the consumer's authentication number and expiration date are added is transmitted to the settlement server 37 provided in the credit company via the communication line 35.

  The settlement server 37 provided in the credit company which has received the credit check request from the host computer 33 stores the authentication number and the expiration date added to the credit check request in a database (not shown) provided in its own server. In order to judge the validity of the specified credit card, it is searched for and compared with the authentication number given to the consumer, and this consumer still signs a credit contract with the credit company and uses it. Determine if it is in a possible state. Then, when the credit contract for the consumer is valid, the settlement server 37 generates confirmation information including the available information. On the other hand, when the credit contract for the consumer is invalid, the settlement server 37 generates confirmation information (credit inquiry result) including the unavailable information. Then, the settlement server 37 returns the generated confirmation information to the host computer 33.

  In step H30, the control unit 71 of the host computer 33, which has received the confirmation information from the settlement server 37 provided in the credit company, assigns the usable information or the unavailable information included in the confirmation information to the inquiry number in the database. It is stored as the corresponding card information.

  Then, in step H40, the host computer 33 transmits the confirmation information to the portable card reader 22 via the communication line 31. At the same time, in step H50, the control unit 71 deletes the credit card authentication number stored in the database provided in the storage unit 73, and proceeds to step H60.

  As a result, since the authentication number of the credit card once stored in the storage unit 73 is deleted after obtaining the credit inquiry result, leakage of important personal information of the consumer can be prevented.

  As described above, the host computer 33 provided in the information processing center receives the consumer's authentication number and the price information of the product from the portable card reader 22 carried by the home delivery company via the communication line 31, and When the authentication number is transmitted to the settlement server 37 of the credit company that performs settlement for the consumer, and confirmation information indicating whether or not the credit company can be used is received from the settlement server 37 of the credit company, the confirmation information is transmitted. Is transmitted to the portable card reader 22, it is possible to make a credit inquiry of the card read by the portable card reader.

  Referring to FIG. 9, in step K70, the portable card reader 22 is on standby until receiving confirmation information from the host computer 33. Here, the portable card reader 22 that has received the confirmation information from the host computer 33 proceeds to step K80, and determines whether or not the credit company can be used based on the confirmation information. That is, if the confirmation information includes the available information, the credit company is available, and the process proceeds to step K100. On the other hand, if the unusable information is included in the confirmation information, the credit company is unusable, and the process proceeds to step K90.

  If the credit company is unavailable, in step K90, the control unit 55 reads, for example, the message information “This credit company cannot be used” from the memory unit 53 and displays an error on the display 59. At the same time, the control unit 55 deletes the card information such as the consumer's authentication number and expiration date temporarily stored in the internal RAM of the memory unit 53, returns to step K10, and repeats the above processing.

  On the other hand, if the credit company is available, in step K100, the control unit 55 reads the inquiry number of the product, the credit company, the product price, and the like from the memory unit 53. Then, the date and time read from the timer are added as the delivery date and time to generate receipt information indicating that the settlement of the product is completed, and the receipt information is output to the printer 61 to print a receipt.

  At the same time, the control unit 55 deletes the card information such as the consumer's authentication number and expiration date temporarily stored in the internal RAM of the memory unit 53, and ends the processing in the portable card reader 22. The printed receipt is separated from the printer 61 by the home delivery company and passed to the consumer.

  As described above, the consumer's authentication number is read from the credit card issued by the credit company that performs settlement for the consumer, and the price information of the product ordered by the consumer is input. Then, the authentication information of the consumer and the price information of the product are transmitted to the host computer 33 of the information processing center via the communication line, and the information indicating that the credit company can be used is received from the host computer 33 of the information processing center. In this case, a receipt indicating that the settlement of the product has been completed is printed from the printer 61. For this reason, the price of the goods delivered by the home delivery can be settled with a credit card. As a result, the consumer who has ordered the product can purchase the delivered product with credits, enjoy shopping without having to prepare cash for the price of the delivered product in advance. It can contribute to convenience and safety.

  Further, in the portable card reader 22, since the credit card authentication number once stored in the storage unit 73 is deleted after obtaining the credit inquiry result, it is possible to prevent leakage of important personal information of the consumer. it can.

  Here, in step H60, the control unit 71 of the host computer 33 provided in the information processing center determines that the time read from the timer is the specified time for transferring the database contents negotiated between the credit company and the courier company. Determine if it has become. Then, the process returns to step H10 until the specified time comes, and the above-described processing is repeated.

  When the specified time has come, in step H70, the storage contents stored in the database of the storage unit 73 are transferred to the home delivery management server 39 provided in the home delivery company via the communication line 35.

  Then, in step H80, the control unit 71 reads out the card information in the database of the storage unit 73, and checks whether or not the confirmation information includes the usable information. Then, when the usable information is included, the amount of the commodity (commodity price) in the transaction information is read out, and the delivery contractor has made a settlement contract with the amount (A) obtained by subtracting the credit fee from the amount of the commodity. The information is transmitted to the settlement server 41 provided in the financial institution, and the process is terminated.

  As a result, a credit fee is paid to the credit company by the prescribed payment date, and a monthly fee for the product price is paid monthly. In addition, the credit institution (A) is paid to the financial institution with which the home delivery company has made a settlement contract.

  As described above, when the host computer 33 provided in the information processing center receives the confirmation information indicating that the credit company can be used from the settlement server 37 of the credit company that performs settlement for the consumer, Returns the price information of the product. Then, by sending a payment request for the amount of the commodity from the credit company to the settlement server 41 of the financial institution that performs settlement for the courier company, the credit company performs cash-on-delivery of the commodity and setstle the commodity price for the courier company. Can be paid to financial institutions.

  Further, the settlement server 37 of the credit company that performs settlement for the consumer transfers the amount (A) obtained by subtracting the settlement fee from the amount of the product to the financial institution that performs settlement for the courier company. Can settle commissions related to settlement and make sales.

  Referring to FIG. 11, the control unit 79 of the home delivery management server 39 provided in the home delivery company stores the contents of the database received from the host computer 33 provided in the information processing center in the database of the storage unit 87 in step T10. I do.

  Then, in step T20, it is determined whether or not a prescribed remittance completion time has been agreed between the credit company and the home delivery company. Then, the process returns to step T20 until the specified time comes, and the process is repeated.

  When the specified time has come, in step T30, the home delivery company transmits a request for inquiring the account contents to the settlement server 41 of the financial institution with which the settlement contract has been made.

  Then, in step T40, the delivery management server 39 stores the account information received from the settlement server 41 of the financial institution in association with the inquiry number in the database of the storage unit 87.

  Then, in step T50, the control unit 87 checks whether or not the credit company has paid in the amount of the product (A) for the account information corresponding to each inquiry number stored in the database. Then, in step T60, when the credit company receives the product amount (A), the deposit amount (A) in the account information of the database is read, and the amount obtained by subtracting the home delivery fee from the deposit amount (A). (B) is transmitted to the settlement server 43 provided in the financial institution with which the seller has made a settlement contract, and the process is terminated.

  As a result, the amount (B), that is, the amount (B) obtained by subtracting the credit fee and the home delivery fee from the merchandise amount is paid to the financial institution with which the seller has made a settlement contract.

  In the third embodiment, an example has been described in which a credit card is issued by a credit card issued by a credit company serving as a payment institution that performs payment for a consumer. However, the consumer's settlement institution may be a financial institution such as a bank, for example, and in this case, the consumer can make a cash-on-delivery for a home-delivery product using a debit card issued by the financial institution. When making a payment using a debit card, a password registered in advance at a financial institution is input.

  In addition, as an authentication medium other than the above-mentioned credit card and debit card, there are a fingerprint and a retina unique to an individual, and image information is read from the fingerprint and the retina and registered in advance in a payment institution, and a portable card reader is used. If this image information is read at 22 and an authentication process is performed at the settlement institution, the individual can be specified.

  As described above, the courier card settlement system according to the present invention is useful for a courier company to settle the price of this product with a card when delivering the product to the consumer who ordered the product, In particular, it is suitable for paying for the price of a product with a card.

It is a flow figure of the card payment system of the courier service concerning a 1st embodiment of the present invention. FIG. 2 is a partial schematic explanatory diagram of the card payment system according to the first embodiment of the present invention. It is the whole conceptual diagram showing the card payment system of the home delivery concerning a 3rd embodiment of the present invention. It is a block diagram of a portable card reader. It is a block diagram of a host computer. FIG. 4 is a diagram showing the storage contents of a storage unit provided in the host computer. It is a block diagram of a delivery management server. It is a figure showing the storage contents of the storage part provided in the delivery management server. It is a flowchart which shows operation | movement of a portable card reader. 6 is a flowchart illustrating an operation of the host computer. It is a flowchart which shows operation | movement of a delivery management server. It is a sequence diagram showing operation of the card delivery system of the parcel delivery service according to the third embodiment of the present invention.

Explanation of reference numerals

Reference Signs List 10 courier company 12 credit company 16 consumer 18 merchandise 20 credit card 22 portable card reader 31 communication line 33 host computer 37 credit company settlement server 39 courier management server 41 settlement server of financial institution that performs settlement for courier company 43 Payment server of financial institution that performs payment for seller

Claims (7)

Settlement that performs settlement for the product by exchanging information via a wireless communication line between a portable card reader carried by a courier that delivers the product to the consumer who ordered the product and a server of the settlement institution. The system
The portable card reader,
A reading unit that reads information on a payment card used for payment by the consumer when delivering the product to the consumer;
Transmitting means for transmitting the information of the payment card and the price information of the product to a server of a payment institution performing payment via a wireless communication line;
Receiving means for receiving a credit inquiry result of the payment card by the server of the payment institution,
The card payment system for home delivery, wherein the portable card reader receives the result of the credit inquiry and settles the price of the product. Settlement that performs settlement for the product by exchanging information via a wireless communication line between a portable card reader carried by a courier that delivers the product to the consumer who ordered the product and a server of the settlement institution. The system
The portable card reader,
Reading means for reading information from a payment card issued by the payment institution;
Information transmitting means for transmitting the information of the payment card and the price information of the product to a server of the payment institution via a wireless communication line,
The server of the clearing house,
Information receiving means for receiving payment card information and product price information from the portable card reader via a wireless communication line,
Credit reference means for performing a credit reference of the consumer based on the received payment card information and information for determining the validity of a predetermined payment card,
A settlement means for settling the price of the product based on the credit inquiry result and the received price information of the product;
Result transmitting means for transmitting the credit inquiry result to the portable card reader via a wireless communication line,
The portable card reader,
Result receiving means for receiving a credit inquiry result from a server of the settlement institution via a wireless communication line,
A card delivery system for courier service, comprising: issuing means for issuing a receipt based on the received credit inquiry result and the price information of the product. The server of the clearing house,
3. The courier card settlement system according to claim 2, further comprising a transfer unit for transferring an amount obtained by subtracting a settlement-related fee from the price of the product to a server of a financial institution that performs settlement for the courier company. The server of the financial institution that performs settlement for the courier company,
4. The courier service according to claim 3, further comprising a transfer means for transferring an amount obtained by subtracting a fee related to home delivery from an amount transferred from the server of the settlement institution to a server of a financial institution performing settlement for the seller. Card payment system. The server of the clearing house,
The courier service card settlement system according to claim 1, further comprising a deletion unit that deletes information of the settlement card received from the portable card reader after obtaining the credit inquiry result. The portable card reader,
3. The courier card settlement system according to claim 1, further comprising a deletion unit that deletes information on the consumer's payment card after obtaining the credit inquiry result. The clearing house,
A credit company or financial institution,
The payment card is
The courier service card settlement system according to any one of claims 1 to 6, wherein the card settlement system is a credit card issued by a credit company or a debit card issued by a financial institution.

Images