JP2005107778A - Sales information processing method and credit card system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a sales information processing method for easily realizing Dutch treat settlement with credit card payment and a credit card system for executing its method. <P>SOLUTION: This credit card system 100 is configured to, when sales with the use of a credit card is generated, generate sales information including use sum information showing a use sum related to its use, and to store the generated sales information, and to execute settlement processing based on the stored sales information. At the time of receiving a request for the price payment of already generated sales with Dutch treat, the credit card system 100 retrieves the sales information related to the accepted request from the stored sales information, and executes the split of the use sum showing the use sum information included in the retrieved sales information, and updates the retrieved sales information being the sales information at the origin of split based on the result of split, and generates the sales information at the destination of division. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a sales information processing method for processing sales information related to sales by using a credit card, and more particularly to a sales information processing method capable of realizing split payment and a credit card system for implementing the method.

  In restaurants and the like, there is a payment method called so-called split account, in which a plurality of people pay each other for an account. Such splits are usually made in cash. However, if a split payment can be made by credit card payment, the convenience for the user will be greatly improved.

In order to make it possible to make a split payment by such credit card payment, when the payment method (cash payment, credit card payment, etc.) is specified for each payer at the time of payment at the store, There has been proposed a transaction data processing apparatus capable of performing settlement of discount payments for each payer in accordance with a designated payment method (see, for example, Patent Document 1).
Japanese Patent Laid-Open No. 2003-99685

  However, in the case of the above-described conventional transaction data processing apparatus, it is necessary to determine how much and how much to pay when paying at the store. For this reason, for example, after a specific person has paid in a lump sum, it has not been possible to make payment by split payment. In addition, even if it is decided to make a split payment from the beginning of the payment at the store, the amount to be paid by each person must be determined on the spot, so it will be decided later how much each person will pay. I couldn't decide.

  Further, when a plurality of people choose to pay by credit card, it is necessary to execute a payment processing for a plurality of credit cards at the store, which is complicated and takes a considerable amount of time.

  The present invention has been made in view of such circumstances, and an object of the present invention is to provide a sales information processing method capable of easily performing split payment settlement by credit card payment, and a credit card system for implementing the method. There is to do.

  In order to solve the above-described problem, the sales information processing method of the present invention generates sales information including usage amount information indicating the usage amount related to the use when sales are generated by using a credit card. In a sales information processing method for processing the generated sales information in a credit card system that stores the generated sales information and executes a settlement process based on the stored sales information, the credit card system has already occurred. When receiving a request to pay for sales on a split basis, the step of searching sales information related to the received request from the stored sales information and the usage amount information included in the searched sales information indicate A step of dividing the usage amount, and based on the result of the division, the searched sales information that is the sales information of the division source is updated. , Moreover characterized in that a step of generating a sales information division destination.

  Thus, since sales information can be generated for both the division source and the division destination, by executing settlement processing based on the sales information, it is possible to easily perform split payment settlement by credit card payment.

  The sales information processing method according to the invention further includes a step of notifying the user side of the credit card related to the division destination that he / she decides whether to approve the division of the usage amount. In the step of executing the splitting of the usage amount, it is preferable to execute the splitting when there is a notice to approve the splitting from the user side of the credit card related to the splitting destination.

  Further, in the sales information processing method according to the invention, when there is no notification for approving the division of the usage amount from the user side of the credit card related to the division destination, it is determined that the division is not approved. It is preferable to further include a step.

  The sales information processing method according to the invention further includes a step of notifying a comment relating to the division of the usage amount from a credit card user side related to the split source to a credit card user side related to the split destination. It is preferable.

  Further, in the sales information processing method according to the invention, the step of determining whether or not the credit balance of the credit card user related to the division destination is insufficient, and if it is determined that the credit balance is insufficient, It is preferable that the method further includes a step of determining that the division of the usage amount has not been approved.

  In addition, the credit card system of the present invention includes a sales information generation unit that generates sales information including usage amount information indicating a usage amount related to the usage when sales are generated by using the credit card, and the sales information generation In a credit card system comprising sales information storage means for storing sales information generated by the means and payment processing execution means for executing payment processing based on the sales information stored by the sales information storage means. When receiving a request to pay for the sales on a split basis, the search means for searching for the sales information related to the received request from the sales information stored in the sales information storage means, and the search means A usage amount splitting means for splitting the usage amount indicated by the usage amount information included in the sales information; Sales information update means for updating the searched sales information, which is the sales information of the split source, based on the result of the split executed by the money amount split means; It is preferable that the sales information of the division destination is generated based on the result of the executed division.

  Further, in the credit card system according to the invention, a notification means for notifying the user side terminal device of the credit card related to the division destination of prompting the judgment as to whether or not to approve the division of the usage amount is further provided. And the usage amount dividing means is configured to execute the division when receiving a notice to approve the division of the usage amount from the user side terminal device of the credit card related to the division destination. It is preferable.

  Further, in the credit card system according to the invention, when there is no notification for approving the division of the usage amount from the user side terminal device of the credit card related to the division destination, it is determined that the division is not approved. It is preferable to further comprise a first approval determination means.

  In addition, in the credit card system according to the invention, when a comment related to the split of the usage amount is received from the user side terminal device of the credit card related to the split source, the received comment is a user of the credit card related to the split destination It is preferable to further include comment notification means for notifying the side terminal device.

  Furthermore, in the credit card system according to the invention, the credit balance determining means for determining whether or not the credit balance of the credit card user related to the division destination is insufficient, and the credit balance determining means, the credit balance is insufficient. It is preferable to further include a second approval determination unit that determines that the division of the usage amount has not been approved.

  The sales information processing method of the present invention and the credit card system for carrying out the method can easily perform split payment by credit card payment.

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

  FIG. 1 is a block diagram showing the configuration of the credit card system of the present invention. In FIG. 1, reference numeral 100 indicates a credit card system for performing sales settlement processing by using a credit card. The credit card system 100 is connected to a sales information processing apparatus 1 for processing sales information related to sales by the use of a credit card, and the sales information processing apparatus 1 so as to be communicable. A division instruction device 2 for instructing the sales information processing device 1 is provided.

  The sales information processing apparatus 1 is installed in a member store of a credit card company and is communicably connected to member store side terminal devices 4, 4... That generate data necessary for sales settlement processing using a credit card. Yes. The member store side terminal devices 4, 4... Are configured to transmit the generated data to the sales information processing device 1 at an appropriate timing.

  Further, the division instruction device 2 is communicably connected to user side terminal devices 4, 4... Used by a credit card user via a communication network 5 such as the Internet. The user side terminal devices 4, 4... May be terminal devices that can communicate with the division instruction device 2 via the communication network 5. Therefore, for example, a personal computer, a PDA (Personal Digital Assistant), a mobile phone, and the like are used as the user side terminal devices 4, 4. Here, the communication between the division instruction device 2 and the user side terminal devices 4, 4... Is performed using a communication protocol such as HTTP (HyperText Transfer Protocol).

  FIG. 2 is a block diagram showing a configuration of the sales information processing apparatus 1 provided in the credit card system 100 of the present invention. As shown in FIG. 2, the sales information processing apparatus 1 includes a CPU 11, and the CPU 11 is connected to each hardware described later via a bus. Then, the CPU 11 controls the operation of the hardware and executes a computer program loaded into the memory 12. As a result, the sales information processing apparatus 1 can execute processing to be described later.

  The memory 12 is composed of, for example, a DRAM or an SRAM, and stores temporary data generated when the computer program is executed.

  The communication interface (I / F) 13 is an interface for communicating with the division instruction device 2 and the member store side terminal devices 3, 3,.

  The hard disk 14 is composed of a readable / writable magnetic disk or the like, and stores a computer program and an OS (operating system) 15 necessary for the operation of the sales information processing apparatus 1, various data, and the like. The hard disk 14 stores a sales information database (DB) 14A, a card information DB 14B, a billing information DB 14C, and a credit balance information DB 14D. Details of these databases will be described below.

  The sales information DB 14A stores sales information related to sales generated by using a credit card. The sales information is generated based on the data transmitted from the member store side terminal device 3. Further, as will be described later, sales information is also generated in the case of performing a split payment settlement. The sales information is deleted when the sales settlement processing related to the sales information is performed. Therefore, the sales information stored in the sales information DB 14A relates to unsettled sales.

  FIG. 3 is a conceptual diagram showing an example of a format of sales information stored in the sales information DB 14A. As shown in FIG. 3, the sales information includes sales record date field 111, sales slip number field 112, sales slip sequence number field 113, card number field 114, use store number field 115, use charge field 116, and division work in progress. Each field includes a flag field 117 and the like. Hereinafter, information stored in each of these fields will be described.

  The sales record date field 111 stores information indicating the date on which sales by using a credit card are recorded, and the sales slip number field 112 and the sales slip sequence number field 113 store information for identifying the sales information. Yes. The card number field 114 includes information indicating the card number of the credit card, the use store number field 115 includes information indicating the use store number for identifying the store where the credit card is used, and the use fee field 116 includes the credit. Information indicating the charges used by the card is stored. Further, the division work flag field 117 stores information indicating whether or not the usage fee has been divided as described later.

  Card information DB14B memorizes card information about a credit card. FIG. 4 is a conceptual diagram showing an example of a format of card information stored in the card information DB 14B. As shown in FIG. 4, the card information has fields such as a card number field 121, an expiration date field 122, a settlement account field 123, an authentication password field 124, and a name field 125. Hereinafter, information stored in each of these fields will be described.

  The card number field 121 stores information indicating the card number of the credit card, and the expiration date field 122 stores information indicating the expiration date of the credit card. In addition, the settlement account field 123 contains information indicating an account of a financial institution related to settlement of sales by using a credit card, and the authentication password field 124 contains a password for authenticating whether or not the user is a credit card user. In the name field 125, information indicating the name of the credit card user is stored.

  The billing information DB 14C stores billing information necessary for billing a credit card user. FIG. 5 is a conceptual diagram showing an example of a format of billing information stored in the billing information DB 14C. As shown in FIG. 5, the billing information includes a sales record date field 131, a sales slip number field 132, a sales slip sequence number field 133, a division sequence number field 134, a card number field 135, a payment due date field 136, and the like. doing. Hereinafter, information stored in each of these fields will be described.

  The sales record date field 131 stores information indicating the date on which sales by the use of a credit card are recorded, and the sales slip number field 132 and the sales slip sequence number field 133 store information for identifying the sales information. Yes. In addition, when the usage fee is divided as described later, the division serial number field 134 includes information for identifying the division, and the card number field 135 includes information indicating the card number of the credit card. The payment execution date field 136 stores information indicating a specific date for settlement of sales by using a credit card.

  Further, the credit balance information DB 14D stores credit balance information regarding the credit balance of the credit card user. FIG. 6 is a conceptual diagram showing an example of a format of credit balance information stored in the credit balance information DB 14D. As shown in FIG. 6, the credit balance information has fields such as a card number field 141 and a credit balance field 142. Here, information indicating the credit card number is stored in the card number field 141, and information indicating the credit balance of the credit card user is stored in the credit balance field 142, respectively.

  FIG. 7 is a block diagram showing a configuration of the division instruction device 2 provided in the credit card system 100 of the present invention. As shown in FIG. 7, the division instruction device 2 includes a CPU 21, and the CPU 21 is connected to each hardware described later via a bus. The CPU 21 controls the operation of the hardware and executes a computer program loaded into the memory 22. Thereby, the division instruction device 2 can execute processing to be described later.

  The memory 22 is composed of, for example, a DRAM or an SRAM, and stores temporary data generated when the computer program is executed.

  The communication interface (I / F) 23 is an interface for communicating with the user side terminal devices 4, 4... Via the sales information processing apparatus 1 and the communication network 5.

  The hard disk 24 is composed of a readable / writable magnetic disk or the like, and stores a computer program and an OS 25 necessary for the operation of the division instruction device 2 and various data. The hard disk 24 stores a sales division information DB 24A and an additional information DB 24B. Details of these databases will be described below.

  The sales division information DB 24A stores sales division information related to usage fee division performed as described below. FIG. 8 is a conceptual diagram showing an example of the format of sales division information stored in the sales division information DB 24A. As shown in FIG. 8, the sales split information includes sales record date field 151, sales slip number field 152, sales slip sequence number field 153, card number field 154, split usage fee field 155, split serial number field 156, and approval. Each field includes a section field 157 and the like. Hereinafter, information stored in each of these fields will be described.

  The sales record date field 151 stores information indicating the date when sales by credit card use are recorded, and the sales slip number field 152 and the sales slip sequence number field 153 store information for identifying the sales information. Yes. Further, the card number field 154 contains information indicating the card number of the credit card that is the division destination of the usage fee, and the division usage fee field 155 shows the information when the usage fee is divided as will be described later. Information indicating the usage charges at the division destination is stored. Further, the division serial number field 156 contains information for identifying the division of the usage fee, and the approval category field 157 indicates whether or not the division destination user has approved the division of the usage fee. Is stored.

  Further, the additional information DB 24B stores additional information for confirming the division of the usage fee performed as described later. FIG. 9 is a conceptual diagram showing an example of a format of additional information stored in the additional information DB 24B. As shown in FIG. 9, the additional information includes a sales record date field 161, a sales slip number field 162, a sales slip sequence number field 163, a card number field 164, a divided usage fee field 165, a divided sequential number field 166, and a divided division field. 167, a comment field 168, a division status field 169, and the like. Hereinafter, information stored in each of these fields will be described.

  The sales record date field 161 stores information indicating the date when sales by credit card use are recorded, and the sales slip number field 162 and the sales slip sequence number field 163 store information for identifying the sales information. Yes. Further, the card number field 164 contains information indicating the card number of the credit card that is the source of the usage fee division, and the usage fee field 165 shows the division when the usage fee is divided as described later. Information indicating the original usage fee is stored in the division sequence number field 166, and information for identifying the division when the usage fee is divided is stored. Further, in the division field 167, for example, information indicating a division when dividing the usage fee, such as “divide the usage fee evenly” or “divide the usage fee equally and then discount 2”, is displayed in the comment field. As will be described later, in 168, information related to a comment created by a split requester who requests splitting is used, and in the split status field 169, information indicating whether or not the usage charge has been split is provided. Stored.

  In the present embodiment, the credit card system 100 includes the sales information processing apparatus 1 and the division instruction apparatus 2, but the function 1 of the sales information processing apparatus 1 and the division instruction apparatus 2 is achieved. It may be configured by a single device. Further, the credit card system 100 may be realized by three or more devices communicating with each other.

  Next, the operation of the credit card system 100 of the present embodiment configured as described above will be described with reference to a flowchart and a screen example displayed on the display screen. As described above, when sales are generated by using a credit card, sales information is generated, and the sales information is stored in the sales information DB 14A. In the following, it is assumed that sales information has already been accumulated in the sales information DB 14A.

[Personal authentication processing]
Hereinafter, a personal authentication process for confirming whether or not the requester of the division is a credit card user of the sales related to the division when the usage fee is divided will be described.

  FIG. 10 is a flowchart for explaining the operation flow of the credit card system 100 according to the present invention accompanying the personal authentication process. A user who desires to pay for the payment by using a credit card with a split account (hereinafter referred to as a split requester) uses the user side terminal device 4 to request a split of the usage fee for the split account. Enter the split request information. Upon receiving this input, the user terminal device 4 transmits the division request information to the division instruction device 2 (S101).

  When the division instruction device 2 receives the division request information transmitted from the user side terminal device 4 (S201), a screen for inputting a credit card number, an authentication password, and the like to perform personal authentication Is sent to the user terminal device 4 (S202).

  When receiving the authentication screen information transmitted from the division instruction device 2 (S102), the user terminal device 4 displays the received authentication screen information on the display screen (S103).

  The division requester inputs authentication information including a credit card number and an authentication password in accordance with the authentication screen information displayed on the display screen of the user terminal device 4. The user side terminal device 4 accepts input of authentication information by the division requester (S104), and transmits the accepted authentication information to the division instruction device 2 (S105).

  When receiving the authentication information transmitted from the user terminal device 4 (S203), the division instruction device 2 transmits the received authentication information to the sales information processing device 1 (S204).

  When the sales information processing apparatus 1 receives the authentication information transmitted from the division instruction apparatus 2 (S301), the sales information processing apparatus 1 performs the matching process between the received authentication information and the card information stored in the card information DB 13C, thereby dividing the information. Authentication is performed as to whether or not the requester is a registered credit card user (S302).

  When authentication fails in step S302 (NO in S302), the sales information processing apparatus 1 transmits authentication failure information indicating that the authentication has failed to the division instruction apparatus 2 (S303). When the division instruction device 2 receives this authentication failure information (S205), the division instruction device 2 transmits authentication failure screen information regarding a screen indicating that the authentication has failed to the user terminal device 4 (S206). . When the user side terminal device 4 receives this authentication failure screen information (S106), the user side terminal device 4 displays the received authentication failure screen information on the display screen (S107).

  On the other hand, if the authentication is successful in step S302 (YES in S302), the sales information processing apparatus 1 searches the sales information DB 14A for sales information regarding the credit card related to the successful authentication, and the sales information of the searched sales information. Of these, authentication success information including a part of information such as information indicating the sales record date is transmitted to the division instruction device 2 (S304). When the division instruction device 2 receives this authentication success information (S207), the division instruction device 2 relates to a screen showing a sales list based on a part of the sales information included in the received authentication success information. The sales list screen information is generated, and the sales list screen information is transmitted to the user terminal device 4 (S208). When the user side terminal device 4 receives this sales list screen information (S108), the user side terminal device 4 displays the received sales list screen information on the display screen (S109).

[About split instruction processing]
Hereinafter, the division instruction process when the division requester instructs to divide the usage fee will be described.

  FIG. 11 is a diagram illustrating a screen example of sales list screen information displayed on the display screen of the user terminal device 4 as a result of the above-described personal authentication process. As shown in FIG. 11, on this screen, the credit card card number owned by the split requester and part of the sales information that has not yet been settled (credit card usage date (sales recording date)) , Use store name, use amount).

  The split requester inputs a check in the check box in the screen shown in FIG. 11 to select the sales to be split of the usage fee, and then clicks the send button.

  FIG. 12 is a flowchart for explaining the operation flow of the credit card system 100 according to the present invention in accordance with the division instruction process. When the user side terminal device 4 detects that the division requester clicks the send button as described above, the user side terminal device 4 identifies the sales whose check box is entered, that is, the sales subject to the usage charge division. Information to be divided is transmitted to the division instruction apparatus 2 (S111). When the division instruction device 2 receives this division target information (S211), the division instruction device 2 transmits the received division target information to the sales information processing apparatus 1 (S311).

  When the sales information processing apparatus 1 receives the division target information transmitted from the division instruction apparatus 2 (S311), the sales information processing apparatus 1 stores the division information flag field 117 of the sales information related to the sales indicated in the received division target information. Information indicating that the division work is in progress is stored (S312). Then, the sales information processing apparatus 1 transmits setting completion information indicating that the division work flag is set to “working” to the division instruction apparatus 2 (S313).

  When the division instruction apparatus 2 receives the setting completion information transmitted from the sales information processing apparatus 1 (S213), a part of the sales information related to the sales indicated in the above-described division target information and the number of persons The division instruction screen information including information for inputting the number of divisions indicating whether to split the bill or the like is transmitted to the user terminal device 4 (S214).

  When receiving the division instruction screen information transmitted from the division instruction device 2 (S112), the user terminal device 4 displays the received division instruction screen information on the display screen (S113).

  FIG. 13 is a diagram illustrating a screen example of the division instruction screen information displayed on the display screen of the user terminal device 4 as described above. As shown in FIG. 13, on this screen, the credit card card number owned by the split requester and part of the sales information being split (credit card use date (sales recording date), use Store name, usage amount). This screen also includes an input field for inputting the number of divisions, and the name, email address, division classification, and the credit card user of the division destination, that is, the credit card user who is requested to make a split payment. An input field for entering the amount to be paid is shown. Here, “division category” is information stored in the division category field of the additional information described above, and “payment amount” is an amount borne by the user of the credit card of the division destination. As will be described later, whether or not to approve the split of the usage fee is determined by the user of the credit card of the split destination, and the user of the credit card of the split destination will be called the split approver. .

  Further, this screen shows an input field for inputting a comment transmitted from the division requester to the division approver. This comment is information stored in the comment field 168 of the additional information described above.

  The division requester inputs necessary information in each of the input fields described above, and then clicks a send button. Here, as a comment, it was easy if the division requester input, such as “That was OO delicious the other day” or “Thank you for your work yesterday. It is desirable that the content can be judged.

  FIG. 14 is a flowchart for explaining the operation flow of the credit card system 100 of the present invention when the transmission button is clicked on the screen related to the division instruction shown in FIG. When the user side terminal device 4 detects that the division requester clicks the transmission button as described above, the user side terminal device 4 transmits the division instruction information including the information input in each input field to the division instruction device 2. (S121).

  When the division instruction device 2 receives the division instruction information transmitted from the user side terminal device 4 (S221), the division instruction device 2 generates sales division information based on the received division instruction information (S222), and the generated sales division information is generated. The information is registered in the sales division information DB 24A (S223). Similarly, the division instruction device 2 generates additional information based on the division instruction information (S224), and registers the generated additional information in the additional information DB 24B (S225).

  Next, the division instruction device 2 sends information indicating that there is a division request from the division requester and an electronic mail including a specific URL (Uniform Resource Locator) in the division instruction information. Transmission is made to the address (S226).

[About split intention confirmation processing]
Hereinafter, a split intention confirmation process for confirming whether or not the split approver is willing to split the usage fee will be described.

  The division requester receives the e-mail transmitted from the division instruction device 2 in the division instruction process at the user side terminal device 4 and confirms the content of the received e-mail so that the division requester Know that there was a request. Here, when it is considered that the division may be performed, the division requester tries to access the URL included in the e-mail.

  In addition, as will be described later, in order to make payment by split payment using the credit card system according to the present invention, the split approver must be a credit card user, that is, a person who owns the credit card. . Therefore, if the split approver does not own a credit card, the split cannot be performed even if the split approver intends to split. Although it cannot be divided in this way, by confirming the contents of the e-mail, the split approver can enjoy a service that is convenient for the user of payment by split payment if he / she owns a credit card. You will know that. Therefore, it is expected that the split approver will consider applying for a credit card. Therefore, by including information on the application for a credit card in the e-mail, it is possible to carry out an effective advertising advertisement for the credit card issuing company.

  FIG. 15 is a flowchart for explaining the operation flow of the credit card system 100 according to the present invention, which accompanies the division intention confirmation process. According to the instruction from the division approver, the user terminal device 4 accesses the URL indicated in the e-mail (S131).

  The division instruction device 2 transmits intention confirmation execution information for confirming the intention of the division approver to the sales information processing device 1 when detecting that the user side terminal device 4 has accessed a specific URL. (S231). Here, the intention confirmation execution information includes sales slip number for identifying the sales information related to the division and sales identification information including the sales slip serial number.

  If the sales information processing apparatus 1 receives the intention confirmation execution information transmitted from the division instruction apparatus 2 (S331), the sales information processing apparatus 1 uses the sales identification information included in the received intention confirmation execution information as a key to obtain the sales information from the sales information DB 14A. (S332), and from the searched sales information, the sales record date, the card number of the credit card of the division requester, and the use store number are specified (S333). Next, the sales information processing apparatus 1 searches for card information from the card information DB 14B using the specified card number as a key (S334), and specifies the name of the division requester from the searched card information (S335). Then, the sales information processing apparatus 1 transmits approval request information for prompting the division approver to approve the division of the usage fee to the division instruction apparatus 2 (S336). Here, the approval request information includes the name of the use store and the name of the division requester related to the use store number specified as described above.

  When the division instruction device 2 receives the approval request information transmitted from the sales information processing device 1 (S232), the approval request screen information for inputting / outputting information related to the approval request based on the received approval request information Is transmitted to the user terminal device 4 (S233).

  When receiving the approval request screen information transmitted from the division instruction device 2 (S132), the user side terminal device 4 displays the received approval request screen information on the display screen (S133).

  FIG. 16 is a diagram illustrating a screen example of the approval request screen information displayed on the display screen of the user terminal device 4 as described above. As shown in FIG. 16, on this screen, the sales recording date (credit card usage date) related to the division of the usage fee, the name of the store used, and the name of the division requester are shown. This screen also shows each input field for inputting the credit card number and authentication password of the split approver.

  The division approver confirms the information shown on this screen and determines whether to approve the division of the usage fee. When it is determined that the usage fee split is approved, the split approver inputs the card number and the authentication password in each of the input fields described above, and then clicks the send button.

  FIG. 17 is a flowchart for explaining the operation flow of the credit card system 100 of the present invention when the send button is clicked on the screen relating to the division approval shown in FIG. When the user side terminal device 4 detects that the division approver has clicked the transmission button as described above, the user side terminal device 4 transmits the division approval information including the information input in each input field to the division instruction device 2. (S141).

  When the division instruction device 2 receives the division approval information transmitted from the user side terminal device 4 (S241), the division approval person authentication process will be described based on the received division approval information with reference to FIG. The process is executed in the same manner as S302 (S242). In the following, the description will be continued assuming that the authentication process is executed.

  The division instruction device 2 searches for the sales division information from the sales division information DB 24A using the sales record date, the sales slip number, the sales slip serial number, and the division serial number as keys (S243), and the division approver from the searched sales division information. The amount of money to be borne by the customer (division usage fee in the sales division information) is acquired (S244). Similarly, additional information is searched from the additional information DB 24B using the sales record date, sales slip number, sales slip serial number, and division serial number as keys (S245), and a comment is acquired from the searched additional information (S246). And the division | segmentation instruction | indication apparatus 2 transmits the confirmation confirmation screen information regarding the screen for confirming the approval of the division | segmentation of a usage fee to the user side terminal device 4 (S247).

  When receiving the approval confirmation screen information transmitted from the division instruction device 2 (S142), the user terminal device 4 displays the received approval confirmation screen information on the display screen (S143).

[About split approval confirmation processing]
Hereinafter, a split approval confirmation process for confirming approval of splitting of the usage fee by the split approver will be described.

  FIG. 18 is a diagram illustrating a screen example of the approval confirmation screen information displayed on the display screen of the user terminal device 4 as a result of the above-described division intention confirmation processing. As shown in FIG. 18, on this screen, the credit card card number owned by the split approver, the sales recording date (credit card use date) related to the usage charge split, the name of the store used, and the split approval are displayed. Payer's burden, name of split requester, number of splits, and comments are shown. This screen also shows an approval / disapproval check box for confirming approval or disapproval of the usage fee division.

  The split approver inputs a check in any of the check boxes in the screen shown in FIG. 18 to approve the use fee split or confirm the non-approval, and then click the send button.

  Here, if the comment shown on the screen can easily identify the split requester, the split approver can determine that the usage fee split is not illegal. Easy to approve.

  FIG. 19 is a flowchart for explaining the operation flow of the credit card system 100 according to the present invention in accordance with the division approval confirmation process. When the user side terminal device 4 detects that the division requester has clicked the send button as described above, the user side terminal device 4 instructs to approve approval / disapproval information indicating whether a check is input to an approval or disapproval check box. It transmits to the apparatus 2 (S151). When the division instruction device 2 receives this approval propriety information (S251), the division instruction device 2 transmits the received approval propriety information to the sales information processing apparatus 1 (S252).

  When the sales information processing apparatus 1 receives the approval / disapproval information transmitted from the division instruction apparatus 2 (S351), the sales information processing apparatus 1 determines whether the division approver has confirmed approval or disapproval based on the received approval / prohibition information. (S352). Here, when it is determined that the division approver has confirmed the disapproval (NO in S352), the sales information processing apparatus 1 transmits disapproval information indicating that the disapproval has been confirmed by the division approver to the division instruction apparatus 2. (S356).

  On the other hand, if it is determined in step S352 that the division approver has confirmed the approval (YES in S352), the sales information processing apparatus 1 searches the credit balance information DB 14D for credit balance information using the card number of the division approver as a key. Then, it is determined whether or not the balance is insufficient based on the searched credit balance information (S354). If it is determined that the balance is insufficient (YES in S354), the sales information processing apparatus 1 transmits disapproval information to the division instruction apparatus 2 as described above (S356).

  On the other hand, if it is determined in step S352 that the balance is not insufficient (NO in S354), approval information indicating that the approval is confirmed by the division approver is transmitted to the division instruction device 2 (S355). .

  When the division instruction device 2 receives the approval information transmitted from the sales information processing device 1 (S253), or receives the disapproval information (S254), the sales division information is determined according to the received approval information or disapproval information. The sales division information is updated by setting the value of the approval division field (S255).

[About split execution processing]
Hereinafter, the division execution process for dividing the usage fee will be described. This division execution process is performed at a predetermined time in a certain period such as every day, every week, or every month. However, it is needless to say that the division execution process is not such a batch process but may be a real-time process that is performed every time the approval by the division approver is confirmed as described above.

  20 and 21 are flowcharts for explaining the operation flow of the credit card system 100 according to the present invention in accordance with the division execution process. The sales information processing apparatus 1 extracts sales information in which information indicating “working” is stored in the divided work flag field from the sales information DB 14A when a predetermined time is reached (S361). Next, the sales information processing apparatus 1 transmits division execution availability information for confirming whether the extracted sales information can be divided to the division instruction apparatus 2 (S362). Here, the division execution availability information includes information indicating the sales date, sales slip number, and sales slip serial number included in the extracted sales information.

  When the division instruction device 2 receives the division execution availability information transmitted from the sales information processing device 1 (S261), the sales indication date, the sales slip number, and the sales slip sequence included in the received division execution availability information. Sales division information is searched from the sales division information DB 24A using the information indicating the number as a key, and whether or not information indicating “approved” or “not approved” is stored in the approval classification field of the searched sales division information. Is determined (S262).

  If it is determined in step S262 that there is no sales division information in which the information indicating either “approved” or “not approved” is stored in the approval classification field, that is, this field is blank (NO in S262) ), The division instruction device 2 determines whether or not the sales division information whose approval classification field is blank relates to sales that have passed a predetermined period from the sales recording date (S263).

  In step S263, when it is determined that the sales division information relates to sales that have passed a predetermined period from the sales recording date (YES in S263), the division instruction device 2 displays “ The sales division information is updated by storing information indicating "Disapproved" (S264). Then, when step S264 is executed in this way, when it is determined in step S262 that information indicating either “approved” or “not approved” is stored in the approval classification field (YES in S262). Alternatively, if it is determined in step S263 that the sales division information does not relate to sales that have passed a predetermined period from the sales recording date (NO in S263), the division instruction device 2 displays “ Sales division information in which information indicating "approval" is stored is extracted (S265). Then, the division instruction device 2 transmits sales execution request information including the extracted sales division information to the sales information processing device 1 (S266).

  When the sales information processing apparatus 1 receives the sales execution request information transmitted from the division instruction apparatus 2 (S363), the sales information processing apparatus 1 is based on the sales division information included in the received sales execution request information. Is subtracted from the usage fee related to the sales of the split requester, thereby updating the sales information related to the split requester (S371). Therefore, for example, if the usage fee related to the sales of the split requester is 12,500 yen, and the burden of the split approver is 3,000 yen, the usage fee of the split requester The sales information related to the split requester is updated so that the price becomes 95 million yen (12,500 yen-3,000 yen).

  Next, the sales information processing apparatus 1 similarly generates sales information related to the amount of money paid by the division approver based on the sales division information (S372). Therefore, for example, if the burden of the split approver is 3,000 yen, sales information for which the usage fee of the split approver is 3,000 yen is generated. When sales information is newly generated in this way, the sales information processing apparatus 1 registers the generated sales information in the sales information DB 14A (S373). Then, the sales information processing apparatus 1 transmits division execution completion information indicating that the division execution is completed to the division instruction apparatus 2 (S374). Here, the division execution completion information includes information necessary for identifying additional information (information indicating sales slip number, sales slip sequence number, division sequence number, etc.).

  When receiving the division execution completion information transmitted from the sales information processing apparatus 1 (S267), the division instruction device 2 receives information necessary for identifying the additional information included in the received division execution completion information. The additional information is searched from the additional information DB 24B, and the additional information is updated by storing information indicating that the division processing has been completed in the division status field of the searched additional information (S268). Then, the division instruction device 2 transmits an e-mail including division status information indicating that the division process has been performed to the division approver associated with the additional information whose division status is “completed” (S269).

  The split approver confirms the contents of the e-mail sent in this way by using the user terminal device 4 or the like, so that the split approver is paid for the split payment, and the sales by using his / her credit card. You can know that occurred.

  The sales related to the sales information stored in the sales information DB 14A of the sales information processing apparatus 1 is settled on a predetermined date. Before this payment is made, the credit card user is charged that payment will be made at a later date, but the split requester indicates that the above split processing has been performed at the time of the charge. In addition, the division approver may be notified.

  As described above, when the usage fee is divided, the sales information related to the division requester of the division source is updated, and the sales information related to the division requester of the division destination is generated. In this way, at the time of payment at the store, a specific person pays the price in a lump using a credit card, and then the other person pays each share using a credit card. Is possible. As a result, the convenience of the credit card user can be dramatically improved.

It is a block diagram which shows the structure of the credit card system of this invention. It is a block diagram which shows the structure of the sales information processing apparatus with which the credit card system of this invention is provided. It is a conceptual diagram which shows an example of the format of the sales information memorize | stored in sales information DB. It is a conceptual diagram which shows an example of the format of the card information memorize | stored in card information DB. It is a conceptual diagram which shows an example of the format of the billing information memorize | stored in billing information DB. It is a conceptual diagram which shows an example of the format of the credit balance information memorize | stored in credit balance information DB. It is a block diagram which shows the structure of the division | segmentation instruction | indication apparatus with which the credit card system of this invention is provided. It is a conceptual diagram which shows an example of the format of the sales division information memorize | stored in sales division information DB. It is a conceptual diagram which shows an example of the format of the additional information memorize | stored in additional information DB. It is a flowchart explaining the flow of operation | movement of the credit card system of this invention accompanying a personal identification process. It is a figure which shows the example of a screen of the sales list screen information currently displayed on the display screen of the user side terminal device 4 as a result of the personal authentication process. It is a flowchart explaining the flow of operation | movement of the credit card system of this invention accompanying a division | segmentation instruction | indication process. It is a figure which shows the example of a screen of the division | segmentation instruction | indication screen information currently displayed on the display screen of a user side terminal device. It is a flowchart explaining the flow of operation | movement of the credit card system of this invention when the transmission button is clicked on the screen which concerns on the division | segmentation instruction | indication shown in FIG. It is a flowchart explaining the flow of operation | movement of the credit card system of this invention accompanying a division | segmentation intention confirmation process. It is a figure which shows the example of a screen of the approval request screen information currently displayed on the display screen of a user side terminal device. FIG. 17 is a flowchart for explaining an operation flow of the credit card system of the present invention when a transmission button is clicked on the screen relating to division approval shown in FIG. 16. It is a figure which shows the example of a screen of the approval confirmation screen information currently displayed on the display screen of a user side terminal device as a result of the division | segmentation intention confirmation process. It is a flowchart explaining the flow of operation | movement of the credit card system of this invention accompanying a division | segmentation recognition confirmation process. It is a flowchart explaining the flow of operation | movement of the credit card system of this invention accompanying a division | segmentation execution process. It is a flowchart explaining the flow of operation | movement of the credit card system of this invention accompanying a division | segmentation execution process.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Sales information processing apparatus 2 Division | segmentation instruction | indication apparatus 3 Member store side terminal device 4 User side terminal device 5 Communication network 14A Sales information DB
14B Card information DB
14C billing information DB
14D credit balance information DB
24A Sales division information DB
24B Additional information DB
100 credit card system

Claims (10)

When sales are generated by using a credit card, sales information including usage amount information indicating the usage amount related to the usage is generated, the generated sales information is accumulated, and a settlement process is performed based on the accumulated sales information. In a sales information processing method for processing the generated sales information in a credit card system that executes
When the credit card system accepts a request to make a payment for the sales that have already occurred, the step of searching sales information related to the accepted request from the accumulated sales information;
A step of dividing the usage amount indicated by the usage amount information included in the searched sales information;
A sales information processing method comprising: updating the searched sales information, which is sales information of a division source, based on a result of the division, and generating sales information of a division destination. Further comprising a step of notifying the user side of the credit card related to the split destination of prompting a determination as to whether or not to approve the split of the usage amount,
2. The sales information according to claim 1, wherein the step of executing the division of the usage amount executes the division when there is a notification from the user side of the credit card related to the division destination that the division is approved. Processing method.   The sales according to claim 2, further comprising a step of determining that the division is not approved when there is no notification from the user of the credit card related to the division destination that the division of the usage amount is approved for a predetermined period. Information processing method.   The sales according to claim 2 or 3, further comprising a step of notifying a comment relating to the division of the usage amount from a credit card user side related to the split source to a credit card user side related to the split destination. Information processing method. Determining whether the credit balance of the credit card user associated with the split destination is insufficient;
The sales information processing method according to claim 2, further comprising a step of determining that the division of the usage amount has not been approved when it is determined that the credit balance is insufficient. When sales are generated by using a credit card, sales information generating means for generating sales information including usage amount information indicating the usage amount related to the usage, and sales information generated by the sales information generating means are stored. In a credit card system comprising sales information storage means and payment processing execution means for executing payment processing based on the sales information stored by the sales information storage means,
When receiving a request to pay for the sales that have already occurred on a split basis, search means for searching for sales information related to the received request from the sales information stored in the sales information storage means;
A usage amount splitting unit for splitting the usage amount indicated by the usage amount information included in the sales information searched by the search unit;
Sales information updating means for updating the searched sales information, which is the sales information of the division source, based on the result of the division executed by the usage amount dividing means,
The credit card system, wherein the sales information generating means is configured to generate sales information of a division destination based on a result of the division executed by the usage amount dividing means. A notification means for notifying the user side terminal device of the credit card related to the split destination of prompting a determination as to whether or not to approve the split of the usage amount;
The usage amount dividing means is configured to execute the division when receiving a notice to approve the division of the usage amount from the user side terminal device of the credit card related to the division destination. Item 7. The credit card system according to Item 6.   And further comprising first approval determination means for determining that the division has not been approved when there is no notification from the user side terminal device of the credit card related to the division destination that the division of the usage amount has been approved for a predetermined period. Item 8. The credit card system according to Item 7.   A comment notifying means for notifying the received comment to the user side terminal device of the credit card related to the split destination when a comment related to the split of the usage amount is received from the user side terminal device of the credit card related to the split source; The credit card system of Claim 7 or Claim 8 provided. Credit balance judging means for judging whether or not the credit balance of the credit card user related to the split destination is insufficient;
The second approval determining means for determining that the division of the usage amount is not approved when the credit balance determining means determines that the credit balance is insufficient. The credit card system described in Crab.

Images