JP2005100461A5 - - Google Patents

Description

Information processing center host computer used in card payment system for home delivery

The present invention, home delivery skilled in the art at the time of delivering the goods to the original consumer ordered the goods, information processing center to be used in the home distribution service of card payment system which is Ru can be settled the price of this product in the card Related to host computer .

  Due to the development of courier services and the rapid development of communication means such as the Internet, when consumers order products through the Internet, etc., the number of products purchased to deliver the ordered products to this consumer by courier is increasing. .

  By the way, the payment for the goods delivered by the courier is paid by the consumer at the entrance or the like to the courier or through the credit card company to which the seller is a member.

  However, in some cases, the consumer does not have cash as the price for the product. Further, in the case of a changer with a delivery agent, the procedure becomes complicated and management of the received cash and change is necessary.

  Also, for example, when shopping at an Internet shopping mall established on the Internet, if the product you want to order is in a store that has opened in the Internet shopping mall, the product is displayed on the screen of a personal computer (hereinafter referred to as “PC”). Apply. Then, a selection screen for selecting the payment method for the product, that is, credit payment or cash on delivery payment in cash, appears. When credit settlement is desired, when credit settlement is selected, a credit card number input instruction sign and a screen for selecting and instructing a courier to deliver the product appear.

  The consumer transmits the credit card number, cash card number / password of the credit card company or financial institution to which the seller is a member through the network. As a result, settlement is established through the credit card company or financial institution.

  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 leaks.

The present invention has been made in view of the above, and it is possible to settle the price of goods delivered by courier with a card and to settle with a plurality of different cards, and to prevent leakage of important personal information An object of the present invention is to provide a new host computer useful for a card payment system for a courier service.

The present invention relates to a settlement server provided in a settlement institution connected to a portable card reader carried by a delivery company via a wireless communication line, and a delivery management server provided in the delivery company. And a host computer provided in an information processing center for performing information processing for credit inquiry of the consumer's payment card, respectively,

A storage means,
Receiving means for receiving at least the card information of the payment card and the inquiry number of the tag and the amount of the delivery product corresponding to the inquiry number read at the consumer's delivery destination by the portable card reader ;
Means for storing at least the received inquiry number, the card information corresponding to the inquiry number, and the amount of the home delivery product in the storage means;
First transmitting means for transmitting the stored card information and the amount of the home delivery product to the settlement server;
The gist of the present invention is to include a second transmission unit that reads out at least the inquiry number and the amount of the delivery product corresponding to the inquiry number from the storage unit and transmits the read number to the delivery management server.

The host computer

If the credit inquiry result received from the payment server includes card-usable information, an amount A obtained by subtracting the fee of the payment institution of the payment server from the amount of the delivery product in the storage means is obtained. The gist of the invention is to have a third transmitting means for transmitting a payment request for paying the amount A to the financial institution of the delivery company to the settlement server .

The host computer

The gist is that the payment request is transmitted to the settlement server, and at least the inquiry number and the amount of the home delivery product corresponding to the inquiry number are transmitted to the home delivery management server .

Furthermore, the payment card is a credit card,
  The payment institution is a credit company,
  The gist of the invention is that the second transmission means performs at least an inquiry number, an amount of the delivery product corresponding to the inquiry number, and a credit company name to the delivery management server.

  Further, the host computer has means for receiving the credit inquiry result and then transmitting the credit inquiry result to the portable card reader.

The host computer of the present invention can prevent leakage of important personal information of consumers in a card payment system for home delivery.

In addition, the host computer of the present invention is provided with the third transmitting means, so that the merchandise is sent to the server of the financial institution that performs the settlement for the courier for the server of the settlement institution that performs the settlement for the consumer. It is possible to transfer the amount obtained by subtracting the fee for settlement from the amount of money.

  In addition, payment institutions that make payments for consumers

If it is a credit company and the payment card is a credit card issued by a credit company,

  The consumer can make payment by credit card payment.

In addition, the host computer transmits the credit inquiry result to the portable card reader via the communication line.

For this reason, the portable card reader can issue a receipt based on the received credit inquiry result and the price information of the merchandise, so that the price of the merchandise delivered by the courier 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 prepared cash for the product to be delivered in advance. And can contribute to safety.

In the courier service,

Since the work of transferring change to the consumer becomes unnecessary, the efficiency of the home delivery work can be improved, and the management of the cash received from the consumer and the change of the change become unnecessary .

  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 payment system for home delivery according to the first embodiment of the present invention.

  As shown in FIG. 1, the delivery company 10 concludes a membership contract with the credit company 12 in advance. Further, the home delivery company 10 concludes a product price collection contract with a corporation or an individual product seller 14 opening a store in an Internet shopping mall in advance.

  Then, for example, if there is a product 18 (see FIG. 2) that the consumer 16 wants to purchase from the product seller 14 that is open in an Internet shopping mall established on the Internet, the consumer 16 places an order for the product 18. Then, the merchandise seller 14 requests delivery to the home of the consumer 16 so that the merchandise 18 for which the order has been received is delivered to the home delivery company 10 that has concluded the merchandise price collection contract.

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

  Accordingly, the consumer 16 receives the merchandise 18 from the home delivery company 10, and the consumer 16 hands over the credit card 20 of the credit company 12 that the home delivery company 10 has a membership contract to the home delivery company 10.

  Then, the delivery company 10 inserts the credit card 20 into a small portable card reader 22 carried on the spot, and the authentication number (membership number), expiration date, etc. recorded on the card is recorded. Have the card information read. Then, the card record content read by the portable card reader 22 is sent to the credit company 12 via a communication line such as a telephone line, the Internet, a wireless line, etc. The price of the product 18 is settled.

  Thereby, the payment of 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 / she can enjoy shopping without preparing cash for the merchandise 18 in advance and is safe because he / she does not need to prepare cash. .

  On the other hand, in the delivery company 10, when the consumer 16 is given more cash than the price of the merchandise 18, it is not necessary to deliver change, so that the efficiency of the delivery service can be improved. Further, management of cash for the received commodity price and management of change are not required, and there is no risk of loss or theft of the cash.

  As shown in FIG. 1, the price of the product 18 paid to the credit company 12 is charged to the home delivery company 10 after the credit fee is offset by the credit company 12, and the home delivery fee is offset by the home delivery company 10. The amount of money is paid to the merchandise seller 14.

  In place of the credit company 12, a settlement contract may be made with a settlement organization such as a credit sales company or a financial institution.

(Second Embodiment)
In the courier card payment system according to the second embodiment of the present invention, the courier 10 has a comprehensive membership agreement with a credit company 12 and a credit sales company or a financial institution as a plurality of different payment institutions in advance. Suppose that Since other configurations are the same as those shown in the first embodiment, the description thereof is omitted.

  Therefore, for example, when a consumer 16 makes a purchase at an Internet shopping mall established on the Internet, if the desired product 18 is in a 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.

  Then, a selection screen for selecting credit settlement or cash on delivery settlement as the price settlement method for the product 18 appears. Therefore, the consumer 16 selects cash on delivery and selects the home delivery company 10. Even in such a case, since the home delivery company 10 has contracts with a plurality of credit companies 12, the consumer 16 owns the credit card he / she owns when he / she wishes for credit settlement at the time of cash on delivery settlement. 20 can be used.

  Accordingly, it is not necessary for the credit company 12 that issues the credit card owned by the consumer 16 to select another courier 10 with a member store contract on the personal computer, and the consumer 16 uses it on a daily basis. It is possible to always deliver the product 18 by designating the courier 10 that has been delivered.

  Since other functions and effects are the same as those described in the first embodiment, description thereof is omitted.

  In the present embodiment, the case where the credit card 20 is used to make a payment for the product price using the credit card 20 has been described, but it goes without saying that a credit sales company may be used.

Further, in the present embodiment, the case where the product price settlement is performed using the credit card 20 has been described, but a debit card may be used. When using a debit card, the card recorded content read by the portable card reader 22 is sent to the clearing house of the financial institution via a communication line, courier items when there is no abnormality is credit inquiry Eighteen prices are settled together.

  In the present embodiment, the term “courier service” refers to an action in which a third-party transportation company entrusted to the merchandise seller delivers the merchandise to the consumer house.

(Third embodiment)
FIG. 3 is an overall conceptual diagram showing a courier card payment system according to a third embodiment of the present invention. The third embodiment of the present invention describes in detail the card payment system for home delivery according to the first embodiment shown in FIG. 1 and FIG.

  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, and the communication line includes a settlement server 37 provided in a credit company, The delivery management server 39 provided for the delivery company, the settlement server 41 provided for the financial institution with which the delivery company has a settlement contract, and the financial institution with which the merchandise seller has a settlement contract. A payment 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, and a communication processing unit. 57, a display 59, and a printer 61.

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

  The memory unit 53 has an internal RAM for storing terminal data unique to each portable card reader 22 in advance and storing control data. The control unit 55 has a timer for counting 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, when a power switch (not shown) provided in the portable card reader 22 is turned on, the control program is read from the memory unit 53 to the control unit 55 and operation guidance is displayed on the display 59, for example. Accordingly, the delivery agent passes the credit card through the card reader 47 to read the card data (card information) , and the product price representing the price of the product and the product identification information are input from the keyboard. Next, the inquiry number is read from the bar code written on the tag by the pen reader 49, and the authentication number is input from the keyboard.
Then, the terminal identification number of the portable card reader 22 stored in advance in the memory unit 53 is read, and the authentication number / expiration date, credit company name , commodity price, commodity identification information, inquiry number, and authentication number are grouped into one set. Terminal collection information is transmitted from the communication processing unit 57 to the host computer 33 provided in the information processing center via the communication line 31.
When the portable card reader 22 receives the available information from the host computer 33 via the communication processing unit 57, a receipt printed with the product inquiry number, credit company, product price, etc. is printed from the printer 61. It fulfills the function of being.

  Next, as illustrated 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 of the host computer 33 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 of the host computer 33 performs information communication with a plurality of servers 37, 39, 41, 43 via a plurality of communication lines 35. The communication control unit 69 controls the plurality of communication processing units 67. The control unit 71 of the host computer 33 has a timer for measuring the date and time inside and controls each unit provided in the host computer. The storage unit 73 of the host computer 33 stores transaction information, card information, and terminal information as a database.

As shown in FIG. 6, the database stored in the storage unit 73 of the host computer 33 stores an inquiry number indicating a product management number, a product price, a product type, etc. as transaction information, and credits as card information. Company information and card numbers (stored only temporarily) are stored, and terminal identification numbers of portable card readers distributed to courier companies as terminal information are stored.

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 of the host computer 33 stores this terminal collection information in the database of the storage unit 73. Then, a credit check request to which the authentication number of the consumer and the expiration date of the terminal collection information 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.

  When the confirmation information is received by the communication processing unit 67 from the settlement server 37 provided in the credit company, the control unit 71 of the host computer 33 stores the usable information or the unusable information included in the confirmation information in the database. The information is stored as confirmation information of the card information corresponding to the inquiry number, and the 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 of the host computer 33 deletes the credit card authentication number stored in the database provided in the storage unit 73. Thus, since the credit card authentication number once stored in the storage unit 73 is deleted, leakage of important personal information can be prevented.

Further, the control unit 71 of the host computer 33 communicates the stored contents stored in the database of the storage unit 73 when the specified time for transferring the database contents agreed between the credit company and the courier is reached. The data is transferred from the processing unit 67 to the home delivery management server 39 provided in the home delivery company via the communication line 35.
And the control part 71 of the host computer 33 reads the card | curd information on the database of the memory | storage part 73, and when available information is contained in confirmation information, the amount of goods (product price) in transaction information is read, fulfill the function of courier amount of money (a) is obtained by subtracting the credit commission from the amount of this product is sent to the settlement server 37 provided in the credit company that has a 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 of the home delivery management server 39 performs information communication with the host computer 33 or the settlement server 41 of the financial institution that has contracted with the home delivery company via the plurality of communication lines 35. The communication control unit 77 of the home delivery management server 39 controls the plurality of communication processing units 75. The control unit 79 of the home delivery management server 39 has a timer for timing the date and time and controls each unit provided in the home delivery management server 39. The display control unit 81 of the home delivery management server 39 displays the content of information communication performed with the host computer 33 or the settlement server 41 and the content stored in the storage unit 87 on the display unit 83. The storage unit 87 of the home-delivery management server 39 stores the transaction information and the card information and the terminal information and account information in the database.

Note that the database information stored in the storage unit 87 of the home delivery management server 39 stores, as shown in FIG. 8, an inquiry number, a product amount, a product type, and the like indicating a product management number as transaction information, and a card. Credit company information is stored as information. Further, in this database, the terminal identification number of the portable card reader distributed to the courier as terminal information is stored, and the transaction content and the deposit amount are stored as account information.

When the storage content of the database is received from the host computer 33 via the communication processing unit 75, the control unit 79 of the home delivery management server 39 stores this reception information in the database of the storage unit 87. When the remittance completion time stipulated between the credit company and the home delivery company is reached, an account content inquiry request is transmitted to the settlement server 41 of the financial institution where the home delivery company has a settlement contract. Then, the account information (delivery company) received from the settlement server 41 of the financial institution is stored in correspondence with the inquiry number in the database in the storage unit 87.
Then, the control unit 79 receives the deposit amount in the account information of the database when the credit card company has received the product amount (A) for the account information corresponding to each inquiry number stored in the database. The function of reading (A) and transmitting the amount (B) obtained by subtracting the delivery fee from the deposited amount (A) to the settlement server 43 provided in the financial institution with which the seller has a settlement contract is performed.

  Next, the operation of the courier card payment system according to the third embodiment of the present invention will be described with reference to the flowcharts shown in FIGS. Note that 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. Furthermore, the flowchart of the home delivery management server shown in FIG. 11 is stored in the control unit 79 as a program.

  Also in the third embodiment, the delivery company 10 makes a membership contract with the credit company 12 in advance, as in the first embodiment. In addition, the home delivery company 10 makes a product price collection contract with a corporation or individual product seller 14 in advance.

  For example, when the consumer 16 places a specified order for the product 18 that the consumer 16 wants to purchase from the merchandise seller 14, the merchandise seller 14 sends the ordered product to the home delivery company 10 that has a product price collection contract. Request home delivery to deliver 18 to the home of the consumer 16.

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

  The consumer 16 receives the merchandise 18 from the delivery company 10 and hands over the credit card 20 of the credit company 12 owned by the consumer 16 and having a membership contract to the delivery company 10. .

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

  9, in step K10, the card reader 47 reads the card information such as the authentication number and the expiration date recorded on the card for identifying the member recorded on the card 20, and the portable card reader 22 The control unit 55 temporarily stores the data in an internal RAM provided in the memory unit 53.

  In step K 20, the delivery company 10 inputs the product price from the keyboard 51, so that the product price is temporarily stored in the internal RAM of the memory unit 53 from the control unit 55.

  In step K30, the courier 10 inputs product identification information for identifying a product such as a product fee or a transportation fee from the keyboard 51. The product identification information is input from the control unit 55 to the internal RAM of the memory unit 53. Temporary storage.

In step K40, since the delivery company 10 is read et causing the inquiry number of items from the bar code that is described in a part of the tag using Penrida 49, internal memory 53 the inquiry number from the control unit 55 Temporary storage in RAM.

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

  In step K60, the control unit 55 reads the terminal identification number of the portable card reader 22 stored in the memory unit 53 in advance, and further stores the authentication number, the expiration date, etc. temporarily stored in the internal RAM. The card information, product price, product identification information, inquiry number, and authentication number are read out, and these pieces of 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. .

  Moving to FIG. 10, the control unit 71 of the host computer 33 that has received the terminal collection information from the portable card reader 22 via the communication line 31 stores the terminal collection information in step H10 as shown in FIG. Store in the database of the unit 73.

Then, in step H20, and transmits it to the consumers of the authentication number and the settlement server 37 provided et al is to the credit company via a communication line 35 a credit check request obtained by adding an expiration date.

The settlement server 37 provided in the credit company that 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 the own server. In order to determine the validity of a given credit card, a search is made to see if it matches the authentication number assigned to the consumer, and the consumer still concludes a credit agreement with the credit company and uses it Determine if it is in a possible state. And the payment server 37 produces | generates the confirmation information containing available information, when the credit contract regarding this consumer is effective.
On the other hand, when the credit contract for the consumer is invalid, the settlement server 37 generates confirmation information including unusable information. Then, the payment server 37 returns the generated confirmation information to the host computer 33.

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

In step H40, the host computer 33 transmits this confirmation information to the portable card reader 22 via the communication line 31. At the same time, in step H50, the control unit 71 of the host computer 33 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 credit card authentication number once stored in the storage unit 73 of the host computer 33 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 authentication number and the amount information of the product from the portable card reader 22 carried by the delivery company via the communication line 31, and When the authentication number is transmitted to the payment server 37 of the credit company that performs payment for the consumer and the confirmation information indicating whether or not the credit company can be used is received from the payment server 37 of the credit company, the confirmation information Is transmitted to the portable card reader 22, so that the credit of the card read by the portable card reader can be inquired.

  Moving to FIG. 9, in step K <b> 70, the portable card reader 22 stands by until confirmation information is received 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 is available based on this confirmation information. That is, if the confirmation information includes usable information, the credit company is usable, and the process proceeds to step K100. On the other hand, if the confirmation information includes unusable information, the credit company cannot be used, and the process proceeds to step K90.

If the credit company is unavailable, in step K90, the control unit 55 of the portable card reader 22 reads , for example, message information “This credit company cannot be used” from the memory unit 53, and displays it on the display 59. An error is displayed. At the same time, the control unit 55 of the portable card reader 22 deletes the card information such as the consumer authentication number / expiration date temporarily stored in the internal RAM of the memory unit 53, returns to step K10, and returns to the above. Repeat the process.

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

  At the same time, the control unit 55 deletes the card information such as the consumer 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 courier and delivered to the consumer.

In this way, the consumer authentication number is read from the credit card issued by the credit company that performs payment for the consumer, and the product price of the product ordered by the consumer is input. Then, it receives the information and sends it to the host computer 33 of the information processing center authentication number and the amount of money information of a product of the consumer through a communication line, representing the credit company from the information processing center of the host computer 33 to be available If so, a receipt indicating that the product has been settled is printed from the printer 61. For this reason, the price of the goods delivered by courier can be settled with a credit card. As a result, the consumer who ordered the product can purchase the delivered product with credit and enjoy shopping without having to prepare cash for the product to be delivered 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 of the host computer 33 is deleted after obtaining the credit inquiry result, leakage of important personal information of the consumer is prevented. Can be prevented.

  Here, in step H60, the control unit 71 of the host computer 33 provided in the information processing center sets the time read from the timer to the specified time for transferring the database contents negotiated between the credit company and the delivery company. Determine whether or not. The process returns to step H10 until the specified time is reached, and the above-described processing is repeated.

  When the specified time comes, 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.

In step H80, the control unit 71 of the host computer 33 reads the card information on the database in the storage unit 73, and checks whether usable information is included in the confirmation information. If available information is included, the amount of the product (product price) in the transaction information is read, and the amount (A) obtained by subtracting the credit fee from the amount of this product is the credit that the courier contracts The data is transmitted to the settlement server 37 provided in the company , and the process is terminated.

As a result, the credit fee is paid to the credit company by the prescribed payment date, and further, the monthly payment of the product price is paid monthly. Further, the amount (A) is credited from the credit company to the settlement server 41 of the financial institution with which the delivery company has a settlement contract.

As described above, when the host computer 33 provided in the information processing center receives confirmation information indicating that the credit company can be used from the payment server 37 of the credit company that performs payment for the consumer, The merchandise amount information is returned to the payment company 37 of the credit company . And, to the credit company, courier for the settlement server 41 of financial institutions to carry out the settlement for suppliers by sending the payment request information of the goods amount of money, from the credit company of commodity cash settlement was carried out commodity price the courier Can be paid to the financial institution that makes the settlement.

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

  Moving to FIG. 11, the control unit 79 of the home delivery management server 39 provided in the home delivery company stores the storage 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 T <b> 10. To do.

  In step T20, it is determined whether or not the remittance completion time specified by the credit company and the courier company has been reached. Then, the process returns to step T20 until the specified time is reached, and the process is repeated.

  When the specified time comes, in step T30, an account content inquiry request is transmitted to the settlement server 41 of the financial institution where the delivery company has a settlement contract.

  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 in the storage unit 87.

In step T50, the control unit 79 of the home delivery management server 39 determines whether or not the amount of money (A) has been received from the credit company for the account information corresponding to each inquiry number stored in the database. Investigate.
In step T60, when the amount of money (A) of the product is received from the credit company, the deposit amount (A) in the account information of the database is read, and the amount obtained by subtracting the delivery fee from the deposit amount (A). The payment request information for making (B) payable to the payment server 43 provided in the financial institution with which the seller has a payment contract is transmitted to the payment server 41 of the financial institution of the courier , and the process ends.

  As a result, the amount (B), that is, the amount (B) obtained by subtracting the credit fee and the delivery fee from the product amount is deposited into the financial institution with which the seller has a settlement contract.

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

  In addition, there are fingerprints and retinas unique to individuals as authentication media other than the above-mentioned credit cards and debit cards, and image information is read from the fingerprints and retinas and registered in advance with a payment institution, and a portable card reader If this image information is read at 22 and authentication processing is performed at the settlement organization, an individual can be identified.

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

It is a flowchart of the card payment system of the courier service which concerns on the 1st Embodiment of this invention. FIG. 2 is a partial schematic explanatory diagram of the courier card payment system according to the first embodiment of the present invention. It is a whole conceptual diagram which shows the card payment system of the courier service which concerns on the 3rd Embodiment of this invention. It is a block diagram of a portable card reader. It is a block diagram of a host computer. It is a figure which shows the memory content of the memory | storage part provided in the host computer. It is a block diagram of a home delivery management server. It is a figure which shows the memory content of the memory | storage part provided in the home delivery management server. It is a flowchart which shows operation | movement of a portable card reader. It is a flowchart which shows operation | movement of a host computer. It is a flowchart which shows operation | movement of a home delivery management server. It is a sequence diagram which shows operation | movement of the card payment system of the courier service which concerns on the 3rd Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Delivery company 12 Credit company 16 Consumer 18 Goods 20 Credit card 22 Portable card reader 31 Communication line 33 Host computer 37 Payment company payment server 39 Delivery management server 41 Settlement server of financial institution that performs payment for the delivery company 43 Financial institution payment servers that make payments for sellers

Claims (5)

Connected with a portable card reader carried by the courier via a wireless communication line, and a payment server provided in a payment institution for payment for consumers and a courier management server provided in the courier and a communication line A host computer provided in an information processing center for performing information processing for making a credit reference to the consumer's payment card, wherein
A storage means,
Receiving means for receiving at least the card information of the payment card and the inquiry number of the tag and the amount of the delivery product corresponding to the inquiry number read at the consumer's delivery destination by the portable card reader ;
Means for storing at least the received inquiry number, the card information corresponding to the inquiry number, and the amount of the home delivery product in the storage means;
First transmitting means for transmitting the stored card information and the amount of the home delivery product to the settlement server;
A host computer comprising: a second transmission unit that reads out at least an inquiry number from the storage unit and an amount of the home delivery product corresponding to the inquiry number and transmits the read value to the home delivery management server. If the credit inquiry result received from the payment server includes card-usable information, an amount A obtained by subtracting the fee of the payment institution of the payment server from the amount of the delivery product in the storage means is obtained. 2. The host computer according to claim 1, further comprising a third transmission means for transmitting a payment request for causing the financial institution of the delivery company to pay the amount of money A to the settlement server. 3. The host computer according to claim 2, wherein the payment request is transmitted to the settlement server, and at least the inquiry number and the amount of the home delivery product corresponding to the inquiry number are transmitted to the home delivery management server.   4. The host computer according to claim 2, further comprising means for receiving the credit inquiry result and then transmitting the credit inquiry result to the mobile card reader.   The payment card is a credit card;
  The payment institution is a credit company,
  2. The second transmission means is performed by transmitting at least an inquiry number, an amount of the delivery product corresponding to the inquiry number, and a credit company name to the delivery management server. The host computer in any one of -4.