JP2010055277A - Card settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card settlement system which can contribute to the extermination of drunken driving. <P>SOLUTION: A card settlement terminal requests a settlement means to carry out card settlement to a first price configured of a price in a restaurant and a second price configured of a price corresponding to a proxy driving agent in response to an external operation, and the settlement means requests a credit company corresponding to the approval of card settlement to the total sum of the first and second prices in response to a request from the card settlement terminal, and separately stores first log information configured of log information related with the card settlement of the first price and the second log information configured of the log information related with the card settlement of the second price. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a card payment system, and is suitable for application to, for example, a card payment system that performs payment card payment for an agency operation service.

  In recent years, catastrophic accidents caused by drunk driving have frequently occurred, and penalties for drunk driving have been strengthened accordingly. Against this background, in recent years, so-called surrogate operation services that act on behalf of customers' vehicles and move the customers and vehicles to their destinations have become widespread.

Such a surrogate driving service usually has a fee structure in which a fee is charged according to the distance traveled by the vehicle, and the customer pays a surcharge charged by the surrogate driver after arriving at the destination (for example, Patent Document 1).
JP 2004-62844 A

  By the way, many of these surrogate drivers are small-scale privately-owned business owners. For this reason, the examination to become a member of a credit card service consisting of a credit card payment service provided by a credit sales company has passed. hard. Therefore, normally, when using the surrogate operation service, the cash must be paid in cash, and there is a problem that such surrogate operation service cannot be used when there is little or no money on hand. This has the problem that it can also induce drunk driving.

  The present invention has been made in consideration of the above points, and intends to propose a card payment system that can contribute to the elimination of drunk driving.

  In order to solve such a problem, in the present invention, card payment is made by card payment based on card information read from a credit card by a card payment terminal installed in a restaurant or input to the card payment terminal by an external operation. In the system, in response to a request from the card payment terminal, the system includes payment means for executing a predetermined card payment process based on the card information transmitted from the card payment terminal, and the card payment terminal responds to an external operation. The payment means is requested to make a card payment for the first price, which is the price at the restaurant, and the second price, which is the price for the agency driver, and the payment means receives a request from the card payment terminal. And requesting the corresponding credit sales company to approve card settlement for the total amount of the first and second charges. In addition, the first log information composed of log information related to the card payment of the first price and the second log information composed of log information related to the card payment of the second price are stored separately. .

  As a result, in this card payment system, even when the agency driver is not a member store of the credit card service, payment for the agency operation service provided by the agency driver can be made with a credit card.

  According to the present invention, since the surrogate operation service can be used even when there is no money on hand or when there is little money, the induction of drunk driving due to the surrogate operation service being paid in cash is effectively prevented. Can contribute to the elimination of drunk driving.

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

(1) Configuration of Card Payment System According to this Embodiment In FIG. 1, reference numeral 1 denotes a card payment system according to this embodiment as a whole, and a card payment terminal 3 installed in each restaurant 2 and a card payment company 4 A settlement server 5 installed in each settlement center, an approval server 7 installed by each credit sales company 6 that provides a credit card service, and an account management server 9 installed by each financial institution 8 such as a bank or a post office Etc.

  The card settlement terminal 3 is a portable POS (Point Of Sale) device, which is a card number and valid card number from a credit card composed of a magnetic stripe type magnetic card or a contact type or non-contact type IC (Integrated Circuit) card. A card reader function for reading card information such as a time limit is provided. The card settlement terminal 3 is connected to a first network 10 such as a LAN (Local Area Network) or the Internet, and reads various card information and other information read from a credit card or input by an external operation. 1 can be exchanged with the settlement server 5 via the network 10.

  As shown in FIG. 2, the settlement server 5 includes a CPU (Central Processing Unit) 11, a memory 12 that stores various control programs, a hard disk device 13 that stores various application software, and the like. The CPU 11 executes necessary control processing based on the control program stored in the memory 12 and the application software stored in the hard disk device 13, and can thereby execute various processing as the entire payment server 5. It is made like that.

  Specifically, the settlement server 5 is connected to the approval server 7 installed by each credit sales company 6 and the account management server 9 installed respectively by the financial institution 8 through a dedicated line. It is possible to request the approval server 7 of the credit sales company 6 to approve card settlement, or request the account management server 9 of the corresponding financial institution 8 to transfer to a desired account.

  The settlement server 5 is connected to a mobile phone 18 and a personal computer 19 of an agent 17 via a second network 16 including a telephone line network 14 and a mobile phone base station 15. An e-mail can be transmitted to the mobile phone 18 or the personal computer 19. In the following, it is assumed that the agency operator 17 is not a member of a credit card service provided by any credit sales company 6.

(2) Card Payment Method for Proxy Driving Service Price in Payment System Next, a card payment method for proxy driving service price in the payment system 1 will be described. In the settlement system 1 according to the present embodiment, as shown in FIG. 3, when the customer requests the restaurant 2 to provide the agency operation service, the agency operator 17 pays for the agency operation service for the agency 2 replacement cost. As the card payment amount, and the card payment is made by combining the food and beverage charges and the agency service fee.

  Further, in the present payment system 1, the card payment amount is managed by the card payment company 4 separately for the eating and drinking fee at the restaurant 2 and the agency driving service fee by the agency driver 17, and from the credit sales company 6 to the card settlement company 4. When the card payment fee is received, the restaurant fee is paid to the restaurant 2 and the agent driving service fee is paid to the agent driver 17.

  As a means for that, as shown in FIG. 2, the hard disk device 13 of the payment server 5 installed by the card payment company 4 includes a restaurant management table 20, a substitute operator management database 21, a restaurant payment log database 22, and a substitution agent. A driver settlement log database 23 is stored.

  The restaurant management table 20 is a table for managing the restaurant 2 which is a member store of the card payment service provided by the card payment company 4 and in which the card payment terminal 3 is installed. As shown in FIG. A “card payment terminal ID” column 20A, a “contact” column 20B, and a “payment destination” column 20C are provided.

  Among these, in the “card payment terminal ID” column 20A, an ID (identifier) unique to the card payment terminal 3 assigned to the card payment terminal 3 installed in the corresponding restaurant 2 is stored. In the “20B” column, the telephone number of the restaurant 2 is stored. The “payment destination” column 20C includes a “financial institution name” column 20D and an “account number” column 20E. The restaurant 2 corresponding to the “financial institution name” column 20D and the “account number” column 20E, respectively. The name of the financial institution 8 in which the account is opened and the account number of the account are stored.

  Further, the surrogate driver management table 21 is a table for managing the surrogate driver 17 who has applied to the card settlement company, and as shown in FIG. 5, a “surrogate driver ID” column 21A and a “contact” column 21B. And a “payment destination” column 21C.

  In the “substitute driver ID” column 21A, an ID unique to the substitute driver 17 assigned to the corresponding substitute driver 17 is stored, and in the “contact” column 21B, the substitute driver 17 The e-mail address of the mobile phone 18 or personal computer 19 is stored. The “payment destination” column 21C is composed of a “financial institution name” column 21D and an “account number” column 21E. The agency operator corresponding to the “financial institution name” column 21D and the “account number” column 21E, respectively. The name of the financial institution 8 in which the 17 accounts are opened and the account number of the account are stored.

  On the other hand, the restaurant settlement log database 22 is a card settlement performed for a price (a restaurant fee) for a service provided by the restaurant 2 out of the card settlement performed using the card settlement terminal 3 of each restaurant 2. Is a database for accumulating and managing log information (hereinafter referred to as restaurant log information).

  As shown in FIG. 6, the restaurant log information 22A includes the ID of the card payment terminal 3 that has made the card payment (“card payment terminal ID”) and the credit card that has made the card payment. The card number (“card number”), the expiration date of the credit card (“expiration date”), the approval number issued by the approval server 7 of the credit sales company 6 for the card payment, and the card payment is sold. A telegram classification (“telegram classification”) indicating whether it was cancellation or return, etc., and the amount of money for eating and drinking at the restaurant 2 (“amount”) are included.

  In addition, the agency driver settlement log database 23 is a card settlement performed by using the card settlement terminal 3 of each restaurant 2, and each card settlement relating to the agency operation service performed together with the restaurant charges at the restaurant 2. Is a database for accumulating and managing the log information (hereinafter referred to as the log information for the substitute driver).

  As shown in FIG. 7, 23B in such log information for the surrogate driver, in addition to the same information as the log information 22A for the restaurant at that time, the surrogate driver 17 who provided the surrogate operation service Are included.

  FIG. 8 shows a flow of a series of processes when a customer requests a substitute operation service in the restaurant 2.

  In the case of the present embodiment, each representative driver 17 is a magnetic card or IC card that records the representative driver ID given to each restaurant 2 that is a member of the card settlement service provided by the card settlement company 4. The surrogate operation service request card 30 (FIG. 1) is distributed.

  In the restaurant 2 side, when a customer requests a substitute driving service, the customer is asked about the desired fee system and destination for the substitute driving service, and the substitute driver 17 that best meets the request is determined. select.

  Then, on the restaurant 2 side, the card settlement terminal 3 is made to read the substitution driver ID recorded on the substitution driving service request card 30 of the selected substitution driver 17. Thus, the card payment terminal 3 transmits the substitute driver ID read from the substitute operation service request card 30 at this time to the settlement server 5 together with the substitute operation service request (SP1).

  When the settlement server 5 receives the agency operation service request request, the settlement server 5 stores the contact information (telephone number) of the restaurant 2 where the card settlement terminal 3 that has transmitted the agency operation service is installed in the restaurant management table 20 (FIG. 2). ) Search above. Further, the settlement server 5 searches the substitute driver management table 21 for the contact information (e-mail address) of the corresponding substitute driver 17 based on the substitute driver ID received at this time (SP2).

  Then, the settlement server notifies the contact operator of the restaurant detected by the search in step SP by e-mail together with the contact request to the agency operator who has detected the contact by the search in step SP (SP3).

  Thus, the agent 17 who has received this e-mail makes a call to the telephone number of the restaurant 2 notified by the e-mail, and determines the agent operation service fee at that time with the client who is the client ( SP4). In determining the surrogate operation service fee, the surrogate operator 17 may ask the customer for a uniform fee, or ask the customer for the departure location and destination. You may make it search the distance between places with a map on a navigation system or a personal computer, and show a charge according to the distance to a customer.

  When such a negotiation is established, the customer informs the restaurant 2 side of the fee for the agency operation service determined at that time. Then, the restaurant 2 side uses the fee for the restaurant service at the restaurant 2 as the restaurant fee, and inputs the substitute driving service fee determined between the customer and the substitute driver 17 to the card settlement terminal 3 as the replacement fee. As a result, as shown in FIG. 9, the card settlement terminal 3 displays the food and beverage charges, the replacement costs, and the total amount.

  If the customer approves the food and beverage charges displayed on the card settlement terminal 3, the replacement cost as the agency operation service fee, and the total amount, the restaurant 2 side, such as the card number and expiration date, from the customer's credit card The card payment terminal 3 is made to read the necessary card information or the card clerk inputs the card information into the card payment terminal 3 manually, and the card payment processing for the eating and drinking fee, the replacement fee and the total amount is executed. The settlement terminal 3 is operated.

  At this time, the card payment terminal 3 uses the card information read or input from the customer's credit card, the own card payment terminal ID, the eating and drinking fee, the advance fee and the total amount as the card payment information together with the card payment request. 5 (SP5).

  Upon receiving the card payment request, the payment server 5 identifies the credit sales company 6 that issued the credit card based on the card number included in the card information transmitted together with the card payment request, and the credit sales company 6 approves it. An approval request is transmitted to the server 7 together with information such as the card number and expiration date of the credit card and the total amount to be paid by the card (SP7).

  Further, as a response to the approval request, the settlement server 5 is notified by the approval server 7 together with the approval number at the time that the card payment of the total amount is approved (SP8). To the card settlement terminal 3 to be notified (SP9). As a result, a receipt of the total amount is issued from the card settlement terminal 3 by summing up the eating and drinking charges at the restaurant 2 and the replacement expenses as the agency operation service charges. And a card payment is completed when a customer signs this receipt.

  In addition, the settlement server 5 notifies the corresponding driver 17 by e-mail that the card settlement has been completed (SP10). Thus, the agency operator 17 that has received such an e-mail goes to the restaurant 2 where the customer is located and provides the agency with an agency operation service based on the negotiation in step SP4.

  Then, the settlement server 5 registers the log information of the portion of the card settlement amount with respect to the food and beverage charges in the restaurant settlement log database 22 and the log information of the portion of the card settlement amount with respect to the agency operation service. Is registered in the substitute operator settlement log database 23 (SP11).

  After that, when the payment server 5 receives the payment for the card payment amount of the above-mentioned card payment from the credit sales company 6 to the account of the card payment company 4 (SP12), the restaurant 2 has opened an account. The restaurant management table 20 is searched for the financial institution name of the institution 8 and the account number of the account. Based on the search result and the corresponding log information 22 A registered in the restaurant settlement log database 22, the settlement server 5 sends the account management server 9 of the financial institution where the account of the card settlement company 4 is opened. And request that the above-mentioned food and beverage charges be transferred from the account to the account of the restaurant 2. In addition, the settlement server 5 searches the agency operator management table 21 for the name of the financial institution 8 where the agency operator 17 has an account and the account number of the account. The settlement server 5 then uses the account management server 9 of the financial institution 8 in which the account of the card settlement company 4 is opened based on this search result and the corresponding log information 23A registered in the agency operator settlement log database 23. To the account of the surrogate operator 17 from the account. (SP13).

(3) Effects of the present embodiment As described above, in the card settlement system 1 according to the present embodiment, the payment of the agency operation service by the agency operator 17 is used as the replacement cost of the restaurant 2 and the card settlement is performed together with the restaurant fee. In addition, the card settlement company 4 manages the food and beverage charges and the agency operation service price separately, and when the credit card company 6 receives the card settlement price from the credit sales company 6, To pay the restaurant 2 and pay the agency driving service fee to the agency driver 17, so even if the agency operator 17 is not a member of the credit card service provided by any credit sales company 6, the customer Can pay for the agency service by credit. In this way, even when the customer does not have enough cash to pay for the substitute driving service, the substitute driving service can be used, which can contribute to the eradication of drunk driving.

(4) Other Embodiments In the above-described embodiment, the case where the present invention is applied to the card payment system 1 configured as shown in FIG. 1 has been described. However, the present invention is not limited to this. In addition, the present invention can be widely applied to card payment systems having various configurations.

  In the above embodiment, the case where the approval server 7 approves the card settlement in the credit sales company 6 is described. However, the present invention is not limited to this, and human approval is performed in the credit sales company 6. You may do it.

  Further, in the above-described embodiment, after the credit card company 6 pays the card settlement fee to the account of the card settlement company 4, the settlement server 5 of the card settlement company 4 eats and drinks the account of the restaurant 2 and the agency driver 17. Although the case where the process of transferring the payment or the agency operation service fee is executed has been described, the present invention is not limited to this, and the card settlement company 4 may perform the transfer process manually.

  Furthermore, in the above-described embodiment, the case where the selection of the substitute driver 17 is performed on the restaurant 2 side has been described. However, the present invention is not limited to this, and the card settlement company 4 side, specifically, settlement. It may be performed in the server 5.

  The present invention can be widely applied to card payment systems having various configurations that perform card payment based on card information read from a credit card by a card payment terminal or input to the card payment terminal by an external operation.

It is a block diagram which shows the whole structure of the card payment system by this Embodiment. It is a block diagram which shows schematic structure of a payment server. It is a conceptual diagram with which it uses for schematic description of the card payment with respect to the substitute driving service by this Embodiment. It is a conceptual diagram with which it uses for description of a restaurant management table. It is a conceptual diagram with which it uses for description of a substitute operator management table. It is a conceptual diagram with which it uses for description of the log information stored in a restaurant settlement log database. It is a conceptual diagram with which it uses for description of the log information stored in a substitute driver payment log database. It is a conceptual diagram with which it uses for description of the card payment of the agency driving | operation service price in a card payment system. It is an approximate line figure showing an example of a display screen of a card settlement terminal roughly.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Card payment system, 2 ... Restaurant, 3 ... Card payment terminal, 4 ... Card payment company, 5 ... Payment server, 6 ... Credit company, 7 ... Authorization server, 8 ... Financial institution , 9... Account management server, 17... Agent driver, 18... Mobile phone, 19 .. Personal computer, 20 .. Restaurant management table, 21. Settlement log database, 22A, 23A... Log information, 23.

Claims (3)

In a card payment system that performs card payment based on card information read from a credit card by a card payment terminal installed in a restaurant or input to the card payment terminal by an external operation,
In response to a request from the card payment terminal, the payment means executes a predetermined card payment process based on the card information transmitted from the card payment terminal,
The card payment terminal
In response to an external operation, the settlement means is requested to make a card settlement for a first price that is a price at the restaurant and a second price that is a price for an agency driver,
The settlement means is
In response to a request from the card payment terminal, the credit card company is requested to approve the card payment for the total amount of the first and second charges, and also includes log information related to the card payment of the first price. A card payment system, wherein the first log information and the second log information including log information related to card payment of the second price are stored separately. The settlement means is
The first price is transferred to the restaurant account based on the first and second log information, and the second price is transferred to the agency driver account. The card payment system described. The settlement means is
The card payment system according to claim 1, wherein, in response to a request from the card payment terminal, the corresponding driver is notified of the contact information of the restaurant where the card payment terminal is installed.

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