JP2010026608A - Continuous card payment registration system and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an application procedure of continuous credit card payment for a charge periodically generated, by a simple operation. <P>SOLUTION: Terminal equipment 20 of a payer reads a bar-code 11 printed on a bill 10, and transmits information of the bar-code to a bar-code settlement center device 30. The bar-code information includes information of a payment recipient company and the user of a service. The bar-code settlement center device 30 notifies an enterprise system 50 of a recipient institution of the information on the bar-code and the information on the card, when receiving the information on a credit card to be used for payment from the terminal equipment 20 and receiving the request for registering continuous card payment. The enterprise system 50 generates and outputs sales data of the credit card based on the received card information in order to settle the payment by the credit card for subsequent charges. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a continuation card payment registration system and a computer program.

  Conventionally, when applying for a continuous credit card payment for bills that occur regularly such as monthly utility bills, the payer obtains an application form for credit card payment, fills in necessary items, seals, and stores the company. Or it was submitted to a credit card company.

On the other hand, in Patent Document 1, since the user pays the use fee to the operator periodically with a credit card based on the contract with the operator, the credit card information for payment is registered with the operator. The system is described. In the technique of Patent Document 1, the payment card information registration system receives the carrier identification information, the contract identification information, the credit card information, and the credit card PIN entered in the terminal device, and the registration system manages the credit card. The system is inquired to verify the validity and identity of the credit card. When the confirmation is successful, the contract identification number and the credit card information are transmitted to the contract management system of the business operator. Thereby, the credit card information is registered in the contract management system of the business operator in association with the contract specifying information, and after the registration, the usage fee can be paid by the credit card. Also, in Patent Document 2, when the utility fee / tax payment acceptance server receives credit card information and payment details information from the payer's terminal via the Internet, the credit company server sends the public information to the payee via the dedicated line. It is stated that you are requesting a transfer of fees and tax payments.
JP 2004-86580 A JP 2001-350930 A

  There is a demand for storage companies to promote the continuous use of credit card payments in order to prevent non-payment of billing and payment delays that occur regularly. However, as mentioned above, conventionally, when a payer registers continuous credit card payments, procedures such as obtaining, filling in, stamping and submitting an application form, or using the Internet from his / her personal computer, etc. It was time-consuming and cumbersome to access the payment method change / registration site and manually enter all necessary information. In addition, in the case of registration using documents, there may be rework due to omissions or mistakes in the description, and in the case of registration using the Internet, there is a lot of information entered by the payer, resulting in an input error. There was also a problem that it was easy to re-enter. These hinder the promotion of the transition to continuous credit card payments for each storage company.

  The present invention has been made in view of the above circumstances, and enables continuous credit card payment application procedures with a simple operation to support the promotion of continuous use of credit card payments. It is an object of the present invention to provide a continuation card payment registration system and a computer program.

  In order to solve the above problems, the present invention provides a continuous card payment in which a payer's terminal device, a reception device that accepts continuous credit card payment registration, and a corporate system of a storage company are connected via a network. In the registration system, the terminal device reads information indicating payment information including at least information for specifying a payment object and information for specifying a payer, and information for specifying a credit card used by the payer The input unit for inputting card information including at least a credit card payment registration instruction, payment information indicated by an image read by the reading unit, and card information input by the input unit When a notification instruction to be transmitted to the device and a registration instruction for continuous credit card payment are input by the input unit, An instruction unit that transmits a registration request to an attachment device, wherein the reception device receives the payment information and the card information from the terminal device, and a reception device storage unit that stores the payment information and the card information in association with each other And the registration information receiving unit that writes the received payment information and the card information in association with each other into the receiving device storage unit, and the payment written by the registration information receiving unit when a registration request is received from the terminal device. A registration request unit that reads information and the card information from the accepting device storage unit and transmits the information to the company system, and the company system stores the payment information and customer information in association with each other. The payment information and the card information are received from the accepting device, and the received card information is added to the customer information corresponding to the received payment information. And a registration unit for writing the serial enterprise system storage unit, which is a continuation-card payment registration system, characterized in that.

  The present invention further includes a card company device connected to the network and performing credit card credit processing and settlement processing in the continuous card payment registration system described above, wherein the payment information further includes information on a payment amount. The acceptance device further includes a credit request unit for notifying the card company device of the received card information and payment amount information indicated by the received payment information, and the registration request unit includes the credit request. Corresponding to the information transmitted by the unit, when the notification that the credit processing has been successful is returned from the card company device, and the registration instruction is received from the terminal device, the registration information receiving unit writes The payment information and the card information are read from the receiving device storage unit and notified to the terminal device.

  In the continuation card payment registration system according to the present invention, the accepting device has a credit card sales including at least a card number included in the received card information and a payment amount indicated by the received payment information. It further includes a sales data generation unit that generates data and outputs the data to the card company device.

  In the continuation card payment registration system described above, the present invention further includes a credit storage device including the sales data generation unit instead of the reception device.

  In the continuation card payment registration system described above, the terminal device accesses the reception device and receives screen data of a card information input screen instructing input of the card information from the reception device. A display control unit that displays the screen data of the continuation card payment instruction screen for instructing input of information as to whether or not to perform the continuation card payment from the reception device and displays the data on the display unit. The input unit inputs information of a credit card used for continuous credit card payment when the card information input screen is displayed by the display unit, and the continuous card payment instruction screen is displayed by the display unit. When it is displayed, a registration instruction for continuous credit card payment is input, and the accepting device accesses the terminal device. Only the screen data of the card information input screen and transmits to the terminal device, further comprising, it is characterized by the screen control unit for transmitting the screen data of the continuous card payment instruction screen to the terminal device.

  The present invention is also used in a continuous card payment registration system in which a payer's terminal device, a reception device that accepts continuous credit card payment registration, and a storage company's corporate system are connected via a network. Payment information including at least information for specifying a payment object and information for specifying a payer, which is a computer program and is indicated by an image read from a computer used as the terminal device by a reading unit included in the terminal device; , A notification unit for transmitting to the reception device card information including at least information identifying a credit card used by a payer, which is input by the input unit, and a registration instruction for continuous credit card payment is input by the input unit If the request is received, it operates as an instruction unit for transmitting a registration request to the receiving device. A registration information receiving unit that receives the payment information and the card information from the terminal device and writes the received payment information and the card information in the receiving device storage unit of the receiving device in association with the computer used as the device; When a registration request is received from a terminal device, the payment information and the card information written by the registration information receiving unit are read from the receiving device storage unit and operated as a registration request unit that transmits to the enterprise system. It is a computer program characterized.

  According to the present invention, by using an image such as a barcode printed on an invoice or the like, it is possible to apply for a continuous credit card payment with a simpler operation and to prevent erroneous input of information. This makes it easier to guide the payer of the bill payment to the credit card payment. In other words, the payer does not need to go through complicated procedures such as obtaining, filling in, stamping, and submitting the application form when registering for continuous credit card payments. Does not occur. Further, it is not necessary for the payer to input a large amount of information as in the case of registration using the conventional Internet.

Examples of embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 is a diagram showing an outline of a continuous card payment registration system according to an embodiment of the present invention.
First, the storage organization that stores the service fee mails the bill 10 on which the barcode 11 is printed to the payer (step S1). The bill 10 is a bill used at a convenience store. The barcode information indicated by the barcode 11 printed on the bill 10 includes the identification of the payee company as a payment target and the service user. Includes information such as the identity of a payer and the amount paid. When a payer makes an application for continuously paying with a credit card in order to charge a service fee that occurs periodically such as every month, the payer prints on the bill 10 by the terminal device 20 such as a mobile phone held by the payer. The bar code 11 is read, and further information on a credit card used for payment is input by an input means such as a button (step S2). The terminal device 20 receives the barcode information as the payment information indicated by the read barcode 11 and the card information that is the input credit card information from the barcode settlement center that is an ASP (application service provider). It transmits to the barcode settlement center apparatus 30 which it has (step S3).

  The bar code payment center device 30 as an accepting device for continuous credit card payment (hereinafter simply referred to as “continuous card payment”) is used by a payer among credit card companies with which a storage organization is affiliated. The credit card company that provides the credit card to be requested requests an authorization from the card company device 40, and the card company device 40 returns the result of the authorization (credit) process (step S4). When the authorization process is successful, the barcode settlement center apparatus 30 notifies the company system 50 owned by the storage organization of the barcode information, the card information, and the registration instruction for continuous card payment (step S5). The company system 50 performs a registration process of a credit card used for continuous card payment (step S6).

FIG. 2 is a diagram illustrating transition of screens displayed on the terminal device 20.
First, when the payer selects the menu for the fee payment function of the terminal device 20, an initial screen G1 is displayed on the display. The initial screen G1 displays a barcode reading instruction. When the payer photographs the barcode 11 printed on the bill 10 by the terminal device 20, the terminal device 20 displays the procedure start screen G2. The procedure start screen G2 displays that the reading of the barcode has been completed and a confirmation button for accessing the barcode settlement center device 30. When the payer presses the confirmation button on the procedure start screen G <b> 2, the terminal device 20 transmits the barcode information indicated by the photographed barcode 11 to the barcode settlement center device 30.

  The bar code settlement center device 30 transmits to the terminal device 20 screen data of a payment content display screen G3 that displays a payment content such as a payee and payment amount and a confirmation button for the payment content. When the payer confirms the payment content on the payment content display screen G3 displayed on the terminal device 20 and presses the confirmation button, information indicating that the confirmation button has been pressed is notified to the barcode settlement center device 30.

  The bar code settlement center device 30 displays a payment method selection screen G4 that displays a button for selecting whether payment by mobile banking or payment by credit card and a confirmation button are made for the billing by the bill 10. Data is transmitted to the terminal device 20. When the payer selects payment for mobile banking on the payment method selection screen G4 displayed on the terminal device 20 and presses the confirmation button, the electronic payment service using a mobile phone (for example, Paige (registered trademark)) is used. Payment processing begins. On the other hand, when the payer selects a credit card payment request on the payment method selection screen G4 displayed on the terminal device 20 and presses the confirmation button, the terminal device 20 pays the barcode payment center device 30 with the credit card. Notify that has been selected.

  The barcode settlement center device 30 transmits screen data of a card information input screen G5 for displaying a card number of a credit card used for payment, an expiration date, an input field of a right holder, and a confirmation button. In the card information input screen G5 displayed on the terminal device 20 by the payer, when the card number, the expiration date, and the holder are entered and the confirmation button is pressed, the terminal device 20 displays the input card number, the expiration date, And the card information which shows a holder is transmitted to the barcode payment center apparatus 30. FIG.

  The bar code settlement center device 30 sends the card information to the card company device 40 to request authorization, and if the authorization is successful, the credit card payment procedure is completed, and the subsequent card payment is made for the charges that will be generated next time. Screen data of a continuation card payment instruction screen G6 for displaying a button for selecting whether or not to use and a confirmation button are transmitted. When the payer selects a button for using the continuous card payment on the continuous card payment instruction screen G6 displayed on the terminal device 20 and presses the confirmation button, the terminal device 20 displays the registration request for the continuous card payment as a barcode. It transmits to the settlement center device 30.

  The bar code settlement center device 30 transmits to the terminal device 20 screen data of a registration acceptance screen G7 indicating that the registration of continuation card payment has been accepted and the card number that has accepted the registration. The terminal device 20 displays the registration acceptance screen G7, and the payer thereby recognizes that the continuation card payment registration has been accepted. Furthermore, the barcode settlement center device 30 transmits the registration request for continuous card payment and the barcode information and card information received from the terminal device 20 to the enterprise system 50.

FIG. 3 is a diagram showing a configuration of a continuous card payment registration system according to an embodiment of the present invention, and only functional blocks related to the present invention are extracted and shown.
The terminal device 20 is realized by a computer terminal such as a mobile phone, for example, and includes a communication unit 21, an input unit 22, a storage unit 23, a display unit 24, a reading unit 25, and an information processing unit 26. The communication unit 21 transmits and receives information via a network 60 including a mobile phone network and the Internet network. The input unit 22 is a button or the like, and receives information input by a payer's operation. The storage unit 23 stores various data. The display unit 24 is a display such as an LCD (Liquid Crystal Display). The reading unit 25 is a barcode reader, a camera, or the like, and reads the barcode 11.

The information processing unit 26 includes a display control unit 261, a notification unit 262, and an instruction unit 263. The display control unit 261 displays screen data on the display unit 24. The notification unit 262 notifies the barcode settlement center device 30 of the barcode information (payment information) indicated by the barcode 11 read by the reading unit 25 and the card information input by the input unit 22. The instruction unit 263 transmits a registration request for continuous card payment to the barcode settlement center device 30 when a registration instruction for continuous card payment is input by the input unit 22.
When the terminal device 20 is a mobile phone, the terminal device 20 further includes a receiver and a transmitter, and a voice processing unit (not shown) for controlling them.

The barcode settlement center device 30 can be configured by, for example, one or a plurality of servers, and includes a communication unit 31, a storage unit 32 (accepting device storage unit), and an information processing unit 33.
The communication unit 31 transmits and receives information via the network 60 and the network 61. The network 61 is a network of a credit information inquiry service (for example, CAFIS (Credit And Finance Information Switching system) (registered trademark)). The storage unit 32 stores various kinds of information such as information on a payee company, information on a credit card company as an access destination, payee as a target for continuous card payment, and card information to be used. The information processing unit 33 writes and reads information to and from the storage unit 32 and outputs information to other devices.

  The information processing unit 33 includes a registration information receiving unit 331, a screen control unit 332, a credit request unit 333, a registration request unit 334, and a sales data generation unit 335. The registration information receiving unit 331 receives barcode information and card information from the terminal device 20. The screen control unit 332 transmits screen data to be displayed to the terminal device 20. The credit request unit 333 notifies the card company device 40 of card information and payment amount information, and requests credit processing. If the registration request unit 334 receives a registration instruction for continuous card payment from the terminal device 20 and the credit processing is normal, the registration request unit 334 transmits the payment information and card information received by the registration information receiving unit 331 to the company system 50. . The sales data generation unit 335 generates sales data for credit card payment used for payment of the fee charged by the invoice 10.

  The card company device 40 can be composed of, for example, one or a plurality of servers, and includes a communication unit 41, a storage unit 42, and a credit processing unit 43. The communication unit 41 transmits and receives information via the network 61. The storage unit 42 is a member master indicating the card information of the credit card, the member store number, the withdrawal account, the expiration date of the credit card, the holder, whether the card is valid, the credit limit frame, the current usage amount , Store information on credit card legitimacy and transactions, such as sales data. Based on the information stored in the storage unit 42, the credit processing unit 43 performs credit processing, that is, whether the card information is correct, whether the card is valid, or exceeds the credit limit. Check whether or not the payment amount is within the credit limit.

  The enterprise system 50 can be composed of, for example, one or a plurality of servers, and includes a communication unit 51, a storage unit 52 (corporate system storage unit), and an information processing unit 53. The communication unit 51 transmits and receives information via the network 60. The memory | storage part 52 memorize | stores various information, such as the information regarding a customer, the information regarding a charge, the information regarding continuation card payment. The information processing unit 53 writes and reads information to and from the storage unit 52 and includes a consumption unit 531, a registration unit 532, and a sales data generation unit 533. The application unit 531 performs a request application process when payment by credit card is made. The registration unit 532 registers the card information for continuous card payment in the storage unit 52. The sales data generation unit 533 generates sales data for continuous card payment based on the information in the storage unit 52 and the amount charged to each customer.

FIG. 4 shows information stored in each device.
The storage unit 32 of the barcode settlement center apparatus 30 stores a company information master 321, destination card company information 322, and storage information 323.
The company information master 321 shows information related to a payee company, a company code and a manufacturer code for identifying the company, a company name of the company used for display on the terminal device 20, a service name to be paid, etc. Contains content information.

  The destination card company information 322 indicates credit card information that can be used for payment for each company providing services to the customer. The company code of the payee company, the range of credit card numbers, Credit company code identifying which credit card company the credit card in the range belongs to, connection company code used in the network 61 of the credit information inquiry service for accessing the credit card company's card company device, etc. Contains information. The range of the credit card number is indicated by a member number (from) to a member number (to).

  The storage information 323 is generated when a credit card payment is accepted, and includes company code, bar code information, card information, credit company code, registration / non-registration of continuous card payment, and registration date / time information. The barcode information is the same as the information indicated by the barcode 11, and includes a manufacturer code indicating a company code, a free use list indicating a payer's customer code, a reissue category, a due date for payment, a stamp flag, a payment amount, a check Indicates digit information. Further, the card information includes information of a payment classification indicating the card number and expiration date of the credit card, the number of payments and the payment method.

  The storage unit 42 of the card company device 40 stores a member master 421. The member master 421 includes card information, member store number, and withdrawal account information. The card information has the same data structure as the card information in the storage information 323. The member store number indicates the number of the storage company that is a member of the credit card company.

The storage unit 52 of the company system 50 stores master data such as a customer information master 521, a billing information master 522, and a card registration information master 523.
The customer information master 521 indicates information related to a customer, and includes a customer code for identifying the customer, the address / name of the customer, the attribute of the customer, information related to a contract with the customer, and the like.
The billing information master 522 indicates information related to billing to the customer, and includes customer code, billing amount and billing contents according to the bill 10, the name of the storage organization, and barcode information indicating the content of the barcode 11 printed on the bill 10. . The barcode information has the same data configuration as the barcode information in the storage information 323.
The card registration information master 523 indicates information related to continuous card payment, and includes a customer code, a card number of a credit card used by the customer for continuous card payment, and information on registration date and time of continuous card payment. The card information has the same data structure as the card information in the storage information 323.

FIG. 5 is a diagram showing the flow of processing of the continuation card payment registration system.
First, the storage company mails the bill 10 to the payer (step S101). The payer confirms the bill 10 sent by mail (step S102), and when paying by credit card, the payer selects the menu of the charge payment function by the input unit 22 of the terminal device 20. As a result, the display control unit 261 of the terminal device 20 reads the screen data of the initial screen G1 from the storage unit 23 and causes the display unit 24 to display the screen data.

  When the payer photographs the barcode 11 printed on the invoice 10 with the reading unit 25, the display control unit 261 reads the screen data of the procedure start screen G2 from the storage unit 23 and displays it on the display unit 24 (step S21). S103). When the payer presses the confirmation button on the procedure start screen G2 using the input unit 22, the communication unit 21 stores the URL using the URL of the payment site stored in the storage unit 23 in advance or input to the terminal device 20. The code settlement center device 30 is accessed, and the notification unit 262 transmits the barcode information indicated by the photographed barcode 11 (step S104). The bar code information includes information on manufacturer code (company code), customer code, reissue category, payment due date, stamp flag, payment amount, and check digit.

  When receiving the barcode information, the registration information receiving unit 331 of the barcode settlement center apparatus 30 confirms the validity. Specifically, whether the company code set in the manufacturer code in the received barcode information is registered in the company information master 321, whether the check digit in the barcode information is correct, each of the barcode information The validity is confirmed based on whether the item attributes (numbers and the like) are correct and whether the description format of each item is correct (for example, whether the due date of payment is described in the YYYYMMDD format). When the validity is confirmed, the company code indicated by the manufacturer code in the received barcode information, the received barcode information, the continued registration presence / absence information indicating no continued registration, and the registration indicating the current date and time Storage information 323 composed of date and time information is generated and written in the storage unit 32 (step S105). The screen control unit 332 of the barcode settlement center device 30 searches the company information master 321 using the company code indicated by the received barcode information as a key, and reads the company name and the billing details. The screen control unit 332 generates screen data of the payment content display screen G3 for displaying the read company name and billing content, and transmits the screen data to the terminal device 20 (step S106).

  The display control unit 261 of the terminal device 20 displays the received screen data on the display unit 24. When the payer confirms the company name (payee) and the billing content (payment amount) on the payment content display screen G3 displayed on the display unit 24, the confirmation button on the payment content display screen G3 is displayed on the input unit 22. Press. Thereby, the notification unit 262 of the terminal device 20 transmits a notification that the payment details confirmation has been input to the barcode settlement center device 30 (step S107).

  When the screen control unit 332 of the barcode settlement center device 30 receives the notification that the payment content confirmation has been input, the screen control unit 332 transmits the screen data of the payment method selection screen G4 to the terminal device 20 (step S108). The display control unit 261 of the terminal device 20 displays the received screen data on the display unit 24. When the payer confirms the payment methods available on the payment method selection screen G4 displayed on the display unit 24, the payer selects a payment method to be used for paying the amount charged by the invoice 10. An input is performed by the input unit 22 and a confirmation button is pressed. Here, it is assumed that payment by credit card is selected. The notification unit 262 transmits the selected payment method to the barcode settlement center device 30 (step S109).

  When the payment method information received from the terminal device 20 is credit card payment, the screen control unit 332 of the barcode settlement center device 30 transmits the screen data of the card information input screen G5 to the terminal device 20 (step S110). . The display control unit 261 of the terminal device 20 displays the received screen data on the display unit 24. The payer inputs the card number, the expiration date, and the information of the holder in the input fields of the card information input screen G5 displayed on the display unit 24 by the input unit 22, and presses the confirmation button. Thereby, the notification unit 262 of the terminal device 20 transmits the input card number, expiration date, and card information indicating the right holder information to the barcode settlement center device 30 (step S111).

  The registration information receiving unit 331 of the barcode settlement center device 30 adds the received card information to the storage information 323 written in the storage unit 32 in step S105. Subsequently, the credit request unit 333 reads the credit company code and the connection company code from the record of the destination card company information 322 corresponding to the company code and including the card information in the range of the membership number. The credit request unit 333 adds the read credit company code to the storage information 323 written in the storage unit 32 in step S105. The communication unit 31 accesses the card company device 40 using the connection company code read out by the credit request unit 333. The credit request unit 333 receives the received card information and the received card information in step S105 and is written in the storage unit 32. The authorization request in which the payment amount included in the barcode information of the storage information 323 is set is transmitted (step S112).

  When the credit processing unit 43 of the card company device 40 receives the authorization request via the communication unit 41, the credit processing unit 43 refers to the storage unit 42, and the card information set in the authorization request is registered in the member master 421 or valid. Whether the time limit has not expired, the credit card invalid information corresponding to the card number indicated in the card information is not registered, or the sum of the received payment amount and the current usage amount is the credit limit. The validity of the credit card is judged based on whether or not it exceeds. If the credit processing unit 43 determines that the credit card is valid, the credit processing unit 43 rewrites the current usage amount stored in the storage unit 42 to an amount obtained by adding the payment amount (step S113). The credit processing unit 43 returns an authorization result notification indicating the result of the credit check to the barcode settlement center device 30.

  The credit processing unit 43 of the card company device 40 receives the authorization result notification (step S114). When the authorization result notification received from the card company device 40 indicates that the credit processing is successful, the screen control unit 332 of the bar code payment center device 30 indicates that the credit card payment procedure has been completed, and a bill that will be generated next time. Screen data of a continuation card payment instruction screen G6 for displaying a button for selecting whether or not to use continuation card payment is transmitted to the terminal device 20 (step S115).

  The display control unit 261 of the terminal device 20 displays the received screen data on the display unit 24. The payer confirms that the credit card payment procedure is completed on the continuation card payment instruction screen G6 displayed on the display unit 24. The payer selects a button corresponding to whether to use continuation card payment (Yes) or not (No), and presses the confirmation button. Thereby, the instruction unit 263 of the terminal device 20 transmits a selection result indicating whether to use continuation card payment (Yes) or not to use (No) to the barcode settlement center device 30 (Step S116). ).

  The registration information receiving unit 331 of the barcode settlement center apparatus 30 receives the result of selecting whether to use continuous card payment. When the received result indicates that it is selected that the continuation card payment is not used (step S117: no continuation), the barcode information is read from the storage information 323 written in the storage unit 32 in step S105 and read. The storage result information indicating the bar code information and the payment method information indicating the credit card payment is transmitted to the company system 50 specified by the company code.

Upon confirming that the barcode information set in the storage result information is registered in the billing information master 522 in the storage unit 52, the erasure unit 531 of the enterprise system 50 adds the registered barcode information to the registered barcode information. Correspondingly, information indicating that the payment is completed is written in the storage unit 52, and the billing information is erased (step S118).
The sales data generation unit 335 of the barcode settlement center device 30 reads the storage information 323 stored in the storage unit 32 immediately after the cancellation process or at a predetermined sales recording date and time, and stores the member store number (company code). ), Sales information including card information, sales amount (payment amount of barcode information), and sales date information. After the sales data is recorded on the recording medium, it is delivered to the credit card company and is read into the card company device 40 or transmitted to the card company device 40 via the network 61.

  On the other hand, when the result of selecting whether or not to use continuous card payment indicates that use of continuous card payment is selected (step S117: continuation is present), the registration information receiving unit 331 stores the information in step S105. The continuous registration presence / absence information in the storage information 323 written in the unit 32 is rewritten to information indicating the presence of continuous registration. Further, the screen control unit 332 transmits to the terminal device 20 a registration acceptance screen G7 for displaying that the continuation card payment procedure has been accepted and the accepted card number. The display control unit 261 of the terminal device 20 displays the received screen data on the display unit 24. The registration request unit 334 reads the barcode information and card information from the storage information 323 written in the storage unit 32 in step S105, and shows the read barcode information and card information and payment method information indicating credit card payment. The storage result information and the registration request for continuous card payment are transmitted to the company system 50 (step S118).

Upon confirming that the barcode information set in the storage result information is registered in the billing information master 522 in the storage unit 52, the erasure unit 531 of the enterprise system 50 adds the registered barcode information to the registered barcode information. Correspondingly, information indicating that the payment is completed is written in the storage unit 52, and the billing information is erased. Further, when the registration unit 532 confirms that the customer code indicated by the barcode information set in the storage result information is registered in the customer information master 521, the customer code, the received card information, the registration A card registration information master 523 including date and time information is registered (step S119). When the registration is completed, the registration unit 532 notifies the barcode settlement center device 30 of the completion of registration.
The storage result information may be transmitted every time immediately after receiving the result of selecting whether or not to use the continuous card payment, and the previous storage result information is periodically updated at a predetermined time in the day. It may be performed collectively for those that have received the result of selecting whether to use continuation card payment after transmission.

  When the billing amount of each customer is input to the enterprise system 50, the sales data generating unit 533 uses the customer code of the customer who has been billed as a key, and the card registration information master stored in the storage unit 52. 523 is read, and sales data including member store number for identifying the storage company, card information, sales amount (billing amount), and sales date information is generated. After the sales data is recorded on the recording medium, it is delivered to the credit card company and is read into the card company device 40 or transmitted to the card company device 40 via the network 61.

  Note that a credit storage device owned by the application service provider is further provided on the network 61, and part of processing related to the credit card service executed in the barcode settlement center device 30 described above in the credit storage device, for example, a credit request unit 333, all or a part of the sales data generation unit 335 may be executed.

Further, the barcode may be a two-dimensional barcode, and instead of the barcode, it may be another image expressing data corresponding to barcode information (payment information) in a graphic form, and directly reads characters. It may be.
In the above description, the payment target indicated by the bar code information is the payee company. For example, the target product / service may be specified such as “XX company XX usage fee”. In addition, information on the target product / service is stored in the storage unit 32 of the barcode settlement center device 30 in association with the company code, and in step S118, the target product / service information is further added to the storage result information. You may transmit to the enterprise system 50.

  According to the above embodiment, the payer can apply for the continuous card payment without performing complicated procedures such as filling in the document for the continuous card payment and the stamping, and it is possible to make a difference due to a difference in the seal or a description error. No return occurs. In addition, by using the barcode printed on the invoice, it is possible to apply for a continuous card payment with a simpler operation and to prevent erroneous input of information. As described above, since the procedure for continuation card payment can be easily performed, it is possible to guide the payer of the bill payment to the continuation card payment.

  In addition, by using the bar code printed on the invoice as the bar code that the payer reads with the terminal device, the user who made the payment for the invoice with a credit card can shift to continuous card payment. It is possible to effectively promote the application, and it is possible to receive an application for continuous card payment using information registered in the barcode settlement center device for bill payment.

  In addition, the storage company's corporate system does not require the construction of a site for accepting continuous card payments, and information on continuous card payments that had been entered manually based on documents for continuous card payments via the network. It is only necessary to add a minor function to create a receiving port for receiving and registering. In addition, in order to provide an interface for accepting continuous card payments for each storage company in the barcode settlement center device, the payer can easily apply for continuous card payments to different storage institutions through a unified interface, and multiple storage It is possible to promote the application for continuous card payment to the institution.

  The terminal device 20, the bar code payment center device 30, the card company device 40, and the company system 50 described above have a computer system therein. The operation process of the information processing unit 26 of the terminal device 20, the information processing unit 33 of the barcode settlement center device 30, the credit processing unit 43 of the card company device 40, and the information processing unit 53 of the company system 50 is a program. Is stored in a computer-readable recording medium, and the computer system reads and executes this program to perform the above-described processing. The computer system here includes a CPU, various memories, an OS, and hardware such as peripheral devices.

Further, the “computer system” includes a homepage providing environment (or display environment) if a WWW system is used.
The “computer-readable recording medium” refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, and a CD-ROM, and a storage device such as a hard disk built in the computer system. Furthermore, the “computer-readable recording medium” dynamically holds a program for a short time like a communication line when transmitting a program via a network such as the Internet or a communication line such as a telephone line. In this case, a volatile memory in a computer system serving as a server or a client in that case, and a program that holds a program for a certain period of time are also included. The program may be a program for realizing a part of the functions described above, and may be a program capable of realizing the functions described above in combination with a program already recorded in a computer system.

  The present invention is not limited to the embodiment described above, and various modifications can be made without departing from the spirit of the present invention, and it goes without saying that these are also included in the scope of the present invention. Yes.

It is a figure which shows the operation | movement outline | summary of the continuous card payment registration system by one Embodiment of this invention. It is a figure which shows the transition of the screen displayed on the terminal device in the continuation card payment registration system by the embodiment. It is a block diagram which shows the structure of the continuation card payment registration system by the embodiment. It is a figure which shows the information memorize | stored in the continuation card payment registration system by the embodiment. It is a figure which shows the flow of a process in the continuation card payment registration system by the embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... Bill 11 ... Barcode 20 ... Terminal device 21 ... Communication part 22 ... Input part 23 ... Storage part 24 ... Display part 25 ... Reading part 26 ... Information processing part 261 ... Display control part 262 ... Notification part 263 ... Instruction part 30 ... Barcode payment center device (reception device)
31 ... Communication unit 32 ... Storage unit 33 ... Information processing unit 331 ... Registration information reception unit 332 ... Screen control unit 333 ... Credit request unit 334 ... Registration request unit 335 ... Sales data generation unit 40 ... Card company device 41 ... Communication unit 42 ... Storage unit (card company device storage unit)
43 ... Credit processing unit 50 ... Corporate system 51 ... Communication unit 52 ... Storage unit (corporate system storage unit)
53 ... Information processing unit 531 ... Consumption unit 532 ... Registration unit 533 ... Sales data generation unit 60, 61 ... Network

Claims (6)

A continuous card payment registration system in which a payer's terminal device, a reception device that accepts continuous credit card payment registration, and a storage company's corporate system are connected via a network,
The terminal device
A reading unit that reads an image indicating payment information including at least information for specifying a payment object and information for specifying a payer;
An input unit for inputting card information including at least information for identifying a credit card used by a payer and a registration instruction for continuous credit card payment;
A notification unit that transmits the payment information indicated by the image read by the reading unit and the card information input by the input unit to the reception device;
An instruction unit that transmits a registration request to the accepting device when a registration instruction for continuous credit card payment is input by the input unit;
The accepting device is:
An accepting device storage unit that stores the payment information and the card information in association with each other;
A registration information receiving unit that receives payment information and card information from the terminal device, and writes the received payment information and card information to the receiving device storage unit in association with each other;
A registration request unit that, when receiving a registration request from the terminal device, reads the payment information and the card information written by the registration information receiving unit from the accepting device storage unit and transmits them to the enterprise system;
The corporate system is
A company system storage unit for storing the payment information and customer information in association with each other;
A registration unit that receives the payment information and the card information from the reception device, and writes the received card information in the enterprise system storage unit in the customer information corresponding to the received payment information;
Continuing card payment registration system. A card company device connected to the network and performing credit card credit processing and payment processing;
The payment information further includes payment amount information,
The accepting device is:
A credit request unit for notifying the card company device of the received card information and information of the payment amount indicated by the received payment information;
In response to the information transmitted by the credit request unit, the registration request unit returns a notification that the credit processing is successful from the card company device, and receives a registration instruction from the terminal device, Reading the payment information and the card information written by the registration information receiving unit from the accepting device storage unit and notifying the terminal device;
The continuation card payment registration system according to claim 1. The accepting device is:
A sales data generating unit that generates sales data of a credit card including at least a card number included in the received card information and a payment amount indicated by the received payment information, and outputs the sales data to the card company device;
The continuation card payment registration system according to claim 2.   The continuation card payment registration system according to claim 3, further comprising a credit storage device including the sales data generation unit instead of the reception device. The terminal device
Access to the accepting device, receive the screen data of the card information input screen instructing the input of the card information from the accepting device and display it on the display unit, and input information on whether to perform continuous card payment A display control unit that receives the screen data of the continuation card payment instruction screen from the receiving device and displays the data on the display unit;
The input unit inputs information of a credit card used for continuous credit card payment when the card information input screen is displayed by the display unit, and the continuous card payment instruction screen is displayed by the display unit. When prompted, enter registration instructions for continuous credit card payments,
The accepting device is:
In addition to receiving access from the terminal device, the screen data of the card information input screen is transmitted to the terminal device, and further includes a screen control unit that transmits the screen data of the continuation card payment instruction screen to the terminal device.
The continuous card payment registration system according to any one of claims 1 to 4, characterized in that: A computer program used in a continuous card payment registration system in which a payer's terminal device, a reception device that accepts continuous credit card payment registration, and a corporate system of a storage company are connected via a network,
A computer used as the terminal device,
Payment information including at least information specifying a payment object and information specifying a payer, which is indicated by an image read by a reading unit included in the terminal device, and a credit card used by the payer, which is input by the input unit A notification unit for transmitting to the reception device card information including at least information for identifying
When a registration instruction for continuous credit card payment is input by the input unit, the input unit is operated as an instruction unit that transmits a registration request to the reception device,
A computer used as the receiving device,
A registration information receiving unit that receives payment information and card information from the terminal device and writes the received payment information and the card information to the receiving device storage unit of the receiving device in association with each other;
When a registration request is received from the terminal device, the payment information and the card information written by the registration information receiving unit are read from the receiving device storage unit and operated as a registration request unit that transmits to the enterprise system.
A computer program characterized by the above.

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