JP2011141671A - Slip reference system and slip reference method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To more efficiently perform an answer to an inquiry to a card company from a purchaser related to a transaction of credit card settlement. <P>SOLUTION: A settlement terminal transmits slip information including an electronic signature input to an electronic signature input terminal to a slip information server, and the slip information server stores the slip information transmitted from the settlement terminal, reads the slip information corresponding to a slip information reference request transmitted from a reference terminal, and transmits it to the reference terminal. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a technique for handling a slip in a credit card settlement.

  When a credit card payment is made at a credit card member store, the purchaser presents a credit card issued in advance by the card company to the member store clerk at the time of the transaction. The clerk of the member store causes the presented credit card to be read by a payment terminal such as a POS (Point of sale system) terminal or an INFOX (registered trademark) terminal. The payment terminal connects to a card company server via a network, and performs online processing such as authorization based on transaction conditions such as transaction amount and payment method, and information read from a credit card. When the transaction is approved in the online processing, the payment terminal prints a slip on which the transaction conditions are written on a paper medium and issues it. Here, there are three types of slips issued by the payment terminal: purchaser copy, member store copy, and card company copy. The card company copy has a purchaser's signature field, and the purchaser signs in the signature field. The store clerk confirms that the signature written on the credit card matches the signature written on the card company copy by the purchaser, and conducts the transaction. The card company pays the member store an amount corresponding to the transaction, and later sends an invoice to the purchaser, for example, by mail, etc. to make a payment request. The card company copy signed by the purchaser is stored at the merchant or mailed to the card company. Here, signless payment may be performed by a contract between a credit card company and a member store. In this case, there is no sign field in the card company copy issued by the payment terminal, and the transaction is performed without signing by the purchaser.

In Patent Document 1, in consideration of the situation where personal authentication by PIN (Personal identification number) input has been increased instead of a signature by applying an IC (integrated circuit) card for credit card payment, the slip information is electronically stored. Describes a technique for reducing costs associated with slip processing.
Patent Document 2 describes a technique for accepting an electronic signature input only with a pen without using a tablet by applying a pen that detects the movement of a physical pen tip when signing in a credit card transaction. ing.

JP 2004-38834 A JP 2003-108901 A

  However, when the card company makes a payment request to the purchaser, there may be an inquiry to the card company if there is any unclear point such as a charge item that the purchaser does not remember . In this case, the operator who has received the inquiry at the card company searches for the card company copy corresponding to the inquiry from the card company copy, which is a large amount of paper media, and confirms the signature, transaction conditions, and the like. Alternatively, if the card company copy is stored in the member store, the card company operator makes an inquiry to the member store. The store clerk of the member store searches for a voucher corresponding to the inquiry from a card company copy of the paper medium stored in large quantities, and transmits the voucher to the card company by facsimile or the like. In this case, every time an inquiry is made, the operator of the card company or the store clerk of the member store needs a corresponding effort for searching for the slip. Furthermore, since the card company that has received the inquiry from the purchaser needs a certain amount of time to search for a slip corresponding to the inquiry, it is not possible to immediately answer the purchaser. Here, it is desirable that an answer to such an inquiry is made efficiently and as quickly as possible, reducing labor of a member store clerk and a card company operator.

  The present invention has been made in view of such a situation, and a slip reference system and a slip reference method capable of more efficiently performing an answer to an inquiry from a purchaser regarding a credit card transaction to a card company. I will provide a.

  In order to solve the above-described problems, the present invention is connected to an electronic signature input terminal that accepts an electronic signature input from a user at a member store that performs transactions according to a credit card presented by the user, and the electronic signature input terminal. A slip reference system including a settlement terminal, a reference terminal for inquiring about a transaction, and a slip information server connected to the settlement terminal via a network. The settlement terminal is input to an electronic signature input terminal. A slip information transmitting unit for transmitting slip information including the electronic signature to the slip information server, the slip information server being transmitted from the reference terminal and a slip information storage unit storing slip information transmitted from the settlement terminal. In response to the slip information reference request, the slip information stored in the slip information storage unit is read out and transmitted to the reference terminal for display. Characterized in that it comprises a part, a.

  In the present invention, the payment terminal includes a display unit that displays an electronic signature input to the sign input terminal, and the slip information transmission unit confirms the electronic signature displayed on the display unit by a clerk of the member store. When the input of the confirmation information indicating that is received, the slip information is transmitted to the slip information server.

  In addition, the present invention provides an electronic signature input terminal that receives from a payment terminal a transaction condition including an amount according to a transaction and a payment method, and a display unit that displays the transaction condition received by the reception unit And the payment terminal receives the input of confirmation information indicating that the transaction condition displayed on the electronic signature input terminal has been confirmed by the user, An online processing unit that transmits an authorization request relating to a transaction to a card company server of a card company to be handled.

  In the present invention, the slip information stored in the slip information storage unit of the slip information server includes receipt information including the store name of the member store, and the slip information providing unit of the slip information server The receipt information is transmitted in response to a receipt information reference request corresponding to the transaction transmitted from the terminal.

  In the present invention, the slip information server includes a first slip information server including a slip information storage unit in which slip information is stored, and a reference slip information having the same contents as the slip information is stored. The second slip information server includes a slip information storage unit and a slip information providing unit, and the reference terminal transmits a slip information reference request to the second slip information server.

  The present invention also provides an electronic signature input terminal that accepts an electronic signature input from a user at a member store that conducts transactions in accordance with a credit card presented by the user, a payment terminal connected to the electronic signature input terminal, A slip reference system comprising a slip information server connected to a terminal via a network and a card company server of a card company that handles credit cards, wherein the settlement terminal receives an electronic signature input to an electronic signature input terminal The slip information transmitting unit includes a slip information transmitting unit that transmits the included slip information to the slip information server. The slip information server stores a slip information storage unit that stores the slip information transmitted from the settlement terminal, and the slip information transmitted from the card company server. The slip information that reads the slip information stored in the slip information storage unit and sends it to the card company server in response to the reference request The card company server transmits a slip information reference request corresponding to the transaction to the slip information server in response to an inquiry from the user, and transmits from the slip information server in response to the transmitted slip information reference request. An inquiry processing unit that receives the slip information received, and an output unit that outputs the slip information received by the inquiry processing unit.

  In the present invention, the payment terminal includes a display unit that displays an electronic signature input to the sign input terminal, and the slip information transmission unit confirms the electronic signature displayed on the display unit by a clerk of the member store. When the input of the confirmation information indicating that is received, the slip information is transmitted to the slip information server.

  In addition, the present invention provides an electronic signature input terminal that receives from a payment terminal a transaction condition including an amount according to a transaction and a payment method, and a display unit that displays the transaction condition received by the reception unit And the payment terminal receives the input of confirmation information indicating that the transaction condition displayed on the electronic signature input terminal has been confirmed by the user, and the card company server. And an online processing unit for transmitting an authorization request relating to the transaction.

  In the present invention, the slip information stored in the slip information storage unit of the slip information server includes receipt information including the store name of the member store, and the slip information providing unit of the slip information server The receipt information is transmitted in response to a receipt information reference request corresponding to the transaction transmitted from the terminal.

  The present invention also provides an electronic signature input terminal that accepts input of an electronic signature from a user at a member store that performs transactions in accordance with a credit card presented by the user, a payment terminal connected to the electronic signature input terminal, Slip information reference of a slip reference system including a slip information server having a slip information storage unit that is connected to a reference terminal that makes an inquiry about the payment and a payment terminal via a network and that stores the slip information transmitted from the payment terminal A method in which the payment terminal transmits slip information including the electronic signature input to the electronic signature input terminal to the slip information server, and the slip information server responds to the slip information reference request transmitted from the reference terminal. In response, reading the slip information stored in the slip information storage unit and transmitting it to the reference terminal for display. The features.

  As described above, according to the present invention, the payment terminal transmits the slip information including the electronic signature input to the electronic signature input terminal to the slip information server, and the slip information server is transmitted from the payment terminal. Since the slip information is stored and the slip information corresponding to the slip information reference request transmitted from the reference terminal is read and transmitted to the reference terminal, the reference terminal is input by the user in response to an inquiry from the user. A voucher including an electronic signature can be retrieved and output instantly. Thereby, for example, the operator of the card company server can instantly grasp the contents of the slip corresponding to the inquiry from the user using the reference terminal, and can answer the inquiry from the user regarding the transaction of the credit card payment. It becomes possible to carry out efficiently.

It is a block diagram which shows the structural example of the slip reference system by one Embodiment of this invention. It is a figure which shows the data item example of the slip information produced | generated and memorize | stored by one Embodiment of this invention. It is a figure which shows the example of the slip output by one Embodiment of this invention. It is a figure which shows the data item example of the inquiry condition contained in the slip information reference request by one Embodiment of this invention. It is a figure which shows the data item example of the slip information transmitted in response to the slip information reference request by one Embodiment of this invention. It is a figure which shows the example of a data item of the inquiry conditions contained in the slip information reference request transmitted from the user terminal by one Embodiment of this invention. It is a sequence diagram which shows the operation example of the slip reference system by one Embodiment of this invention. It is a sequence diagram which shows the operation example of the slip reference system by one Embodiment of this invention. It is a block diagram which shows the structural example of the slip reference system by other embodiment of this invention. It is a figure which shows the example of encryption by one Embodiment of this invention. It is a figure which shows the example of encryption by one Embodiment of this invention.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a block diagram showing a configuration of a slip reference system 1 according to the present embodiment. The slip reference system 1 includes a computer device including an electronic signature input terminal 10, a settlement terminal 20, a slip information server 30, a slip information reference server 40, a card company server 50, and a reference terminal 60. The electronic signature input terminal 10 and the payment terminal 20 are installed at a member store that conducts transactions according to a credit card presented by a purchaser. Here, one electronic signature input terminal 10 and one payment terminal 20 are illustrated and described. However, a plurality of computer devices may be installed in one member store, and a plurality of credit card transactions are performed. It may be set up at a member store. Moreover, you may comprise so that each computer apparatus may be equipped with each function part with which the electronic signature input terminal 10 is equipped, and each function part with which the payment terminal 20 is equipped. The card company server 50 is a computer device of a card company that handles credit cards. Here, one card company server 50 is illustrated, but a plurality of card company servers 50 of a plurality of card companies are connected to the slip reference system 1. May be good. Although one reference terminal 60 is illustrated here, a plurality of reference terminals 60 used by a card company, a member store, a purchaser, or the like may be connected. In this way, the slip information server 30 is connected to the plurality of settlement terminals 20 via the network, and the slip information reference server 40 is connected to the plurality of reference terminals 60 via the network. The plurality of payment terminals 20 are connected to a plurality of card company servers 50.

The electronic signature input terminal 10 receives an input of an electronic signature from a purchaser at a member store. The electronic signature input terminal 10 is a computer device called a liquid crystal signature tablet, a liquid crystal pen tablet, an electronic signature pad, or the like. The electronic signature input terminal 10 includes an electronic signature input unit 11 and a display unit 12.
The electronic signature input unit 11 receives an input of an electronic signature from a purchaser. The electronic signature input unit 11 reads the position coordinates of the pen moving on the tablet as the display unit 12 and generates electronic signature data corresponding to the handwriting on the electronic signature input unit 11.

  The display unit 12 is a display that displays handwriting according to the position coordinates of the pen input to the electronic signature input unit 11. For example, a liquid crystal display or a plasma display can be applied to the display unit 12. Here, a touch panel that also functions as the electronic signature input unit 11 may be applied to the display unit 12. Thereby, the purchaser can input a sign intuitively as described directly on the display. In addition, the display unit 12 displays information such as transaction conditions transmitted from the payment terminal 20. For example, the electronic signature input terminal 10 receives a transaction condition including an amount according to the transaction and a payment method from the settlement terminal 20 and displays the transaction condition on the display unit 12.

  The settlement terminal 20 is a computer device that manages sales information in credit card member stores. The settlement terminal 20 is, for example, a POS terminal, which reads and reads a register function, a database function for storing a product name of a product sold at a member store, a selling price or a sales record, and a barcode attached to the product. It has a function to read the product name and selling price corresponding to the barcode. In the example of the present embodiment, an example in which the POS terminal is applied to the payment terminal 20 will be described. However, a payment-only terminal such as an INFOX (registered trademark) terminal in which only the payment function is cut out may be applied. . In this case, for example, the payment terminal 20 is configured by the payment dedicated terminal and the POS terminal. The payment terminal 20 is connected to the electronic signature input terminal 10. The settlement terminal 20 includes an input unit 21, a display unit 22, a card information reading unit 23, an online processing unit 24, a slip information generating unit 25, and a slip printing unit 26.

  The input unit 21 is an input device such as a keyboard, a mouse, a touch panel, or a barcode scanner, and accepts information input from a store clerk at a member store. For example, a barcode attached to a product purchased by the purchaser is input to the input unit 21, and the price of the product corresponding to the input barcode is searched and input. Further, when performing a transaction using a credit card, the store clerk inputs the payment method, the number of payments, and the like applied by the purchaser to the input unit 21. In this way, transaction conditions such as the amount and payment method according to the transaction are input to the input unit 21.

  The display unit 22 is a display that displays information such as transaction conditions. You may comprise so that the input part 21 may be applied to the display part 22 by applying a touch panel. Further, when the payment terminal 20 receives an electronic signature from the electronic signature input terminal 10, the display unit 22 displays the received electronic signature. Thereby, the clerk of the member store that handles the payment terminal 20 can confirm the electronic signature input by the purchaser by looking at the display unit 22 of the payment terminal 20. Here, when the display unit 22 included in the payment terminal 20 cannot display the electronic signature because the screen is small or the image is rough, for example, the electronic signature is printed and printed on the purchaser's copy. After the clerk of the member store confirms the electronic signature, the purchaser copy may be handed over to the purchaser.

  The card information reading unit 23 reads information such as a card number from a credit card presented by the purchaser. For example, the analysis unit 23 may be an IC card reader that reads card information from a credit card that is an IC card, or a magnetic card reader that reads card information from a credit card that is a magnetic card.

  The online processing unit 24 performs online processing for connecting to the card company server 50 via the network, transmitting an authorization request, and receiving an authorization result transmitted from the card company server 50. The authorization process is a process in which the card company approves the transaction based on the transaction conditions and card information and determines whether or not to pay the amount. The authorization request transmitted from the online processing unit 24 to the card company server 50 includes information such as card information and transaction conditions.

  The slip information generation unit 25 generates slip information including the electronic signature input to the electronic signature input terminal 10 and transmits the slip information to the slip information server 30. FIG. 2 is a diagram illustrating an example of data items included in the slip information generated by the slip information generation unit 25 and transmitted to the slip information server 30. Voucher information includes merchant name, merchant code, terminal number, usage date, voucher number, card number, expiration date, approval number, transaction details, product code, handling category, card company name, card company code, payment category , Number of divisions, month of payment start, number of bonuses, amount, tax and others, total amount, Kana name, electronic signature, transaction type, authorization result, presence / absence of paper output, receipt information, etc. are included. Here, since the name registered in advance in the card company server 50 is applied to the member store name, it may be different from the store name where the purchaser has made a transaction. Therefore, the slip information includes receipt information that is the same information as the information printed on the receipt printed at the store and issued to the purchaser. If it does in this way, the slip information memorize | stored later in the slip information reference server 40 will be searched, and the user who is the operator of the card company server 50 or a purchaser will refer to the receipt when the purchaser actually transacted can do. The receipt information may be text information or image information. The electronic signature information included in the slip information may be a raster image that is image data such as a so-called bitmap, or a vector image that is coordinate data using a vector. Here, for example, when the payment terminal 20 is composed of a payment-dedicated terminal and a POS terminal, the function for generating receipt information and the function for generating slip information are provided in different devices. The receipt information may not be included, or the settlement dedicated terminal may read the receipt information from the POS terminal and generate slip information including the read receipt information.

  Returning to FIG. 1, the slip printing unit 26 prints the slip generated by the slip information generating unit 25 on a paper medium and outputs it. Here, conventionally, the slips of the purchaser copy, the member store copy, and the card company copy are output. However, in this embodiment, the slip information is stored in the slip information reference server 40, and the network is accessed from the reference terminal 60. The slip printing unit 26 does not need to output the card company copy. In addition, when the member store is processing slips using paper media, the slip printing unit 26 outputs the member store copy. However, when the member store performs electronic document slip processing, the member store copy is output. You may make it not output. The slip printing unit 26 outputs at least a slip for the purchaser. The clerk of the member store gives the output slip to the purchaser. Here, the slip printing unit 26 prints each piece of information included in the slip information on a paper medium, but may not output an electronic signature, receipt information, or the like. However, as described above, when the electronic signature cannot be displayed on the display unit 22, the electronic signature may be printed on the purchaser's copy. FIG. 3 is a diagram showing an example of a slip when the slip printing unit 26 outputs slip information including an electronic signature. Here, character data is printed above the slip, and electronic signature data is printed below.

The slip information server 30 is a computer device connected to the payment terminal 20 via a network. The slip information server 30 includes a slip information storage unit 31.
The slip information storage unit 31 stores slip information transmitted from the settlement terminal 20. As described above, the slip information stored in the slip information storage unit 31 includes receipt information including the store name of the member store. The slip information server 30 receives the slip information transmitted from the settlement terminal 20 and stores the slip information in the slip information storage unit 31.

  The slip information reference server 40 is a computer device that stores information similar to the slip information stored in the slip information storage unit 31 of the slip information server 30, and responds to a slip information reference request transmitted from the reference terminal 60. Send slip information. Thus, in this embodiment, the slip information reference server 40 storing the slip information similar to the slip information server 30 is installed, and only the slip information reference server 40 communicates with an external computer device such as the reference terminal 60. In this manner, the slip information server 30 is configured to be disconnected from the external computer device, thereby maintaining the safety and independence of the information stored in the slip information server 30. The slip information reference server 40 includes an input unit 41, a display unit 42, a reference slip information storage unit 43, a reference slip information providing unit 44, and a reference account control unit 45.

The input unit 41 is an input device such as a keyboard or a mouse.
The display unit 42 is a display that displays information.
Information similar to the slip information stored in the slip information storage unit 31 of the slip information server 30 is stored in the reference slip information storage unit 43. The slip information reference server 40 receives, for example, slip information periodically transmitted from the slip information server 30 and stores the slip information in the reference slip information storage unit 43.

  The reference slip information providing unit 44 reads the slip information stored in the reference slip information storage unit 43 and transmits it to the reference terminal 60 in response to the slip information reference request transmitted from the reference terminal 60. Provide service. FIG. 4 is a diagram illustrating an example of data items included in the slip information reference request received by the reference slip information providing unit 44 from the reference terminal 60 of the card company. The slip information reference request includes one or more information of a card company code, a member store code, a member store name, a card number, a Kana name, a use date and time, and a total amount. The reference slip information providing unit 44 reads the slip information including information that matches the information of the data item included in the slip information reference request from the reference slip information storage unit 43 and transmits the read slip information to the reference terminal 60. When the reference slip information providing unit 44 detects a plurality of slip information corresponding to the slip information reference request, for example, the reference slip information providing unit 44 displays a result list of only some data items such as member stores and names of kana included in the slip information. You may make it transmit to the reference terminal 60, and you may make it transmit the information of all the data items to the reference terminal 60 about the slip information selected by the reference terminal 60 from the result list. FIG. 5 is a diagram illustrating an example of data items of slip information that the slip information reference server 40 transmits to the reference terminal 60. In the slip information transmitted by the slip information reference server 40 to the reference terminal 60, among the data items stored in the reference slip information storage unit 43, information such as transaction type, authorization result, paper output presence / absence, receipt information is transmitted. Don't worry.

  Further, when the reference slip information providing unit 44 transmits the slip information in response to the slip information reference request from the reference terminal 60, the slip information in response to the slip information reference request is sent to the card company to which the slip information is referred. May be notified. For example, when the card company of the reference terminal 60 that referred to the slip information is a so-called issuer, the card company that is the corresponding acquirer is notified that the slip information has been transmitted in response to the slip information reference request. Anyway.

  Further, the reference slip information providing unit 44 receives the slip information reference request from the reference terminal 60 which is the purchaser's computer device, and transmits the slip information corresponding to the received slip information reference request to the reference terminal 60. May be. FIG. 6 is a diagram illustrating an example of data items included in the slip information reference request transmitted from the reference terminal 60 logged in by the purchaser. The reference slip information providing unit 44 reads the slip information including information that matches the information of the data item included in the slip information reference request from the reference slip information storage unit 43 and transmits it to the user terminal. At this time, the slip information that the reference slip information providing unit 44 transmits to the user terminal includes receipt information. As described above, the reference slip information providing unit 44 transmits the slip information in response to the slip information reference request transmitted from the user terminal, so that the purchaser is described in, for example, a bill mailed from a card company. When there is an unclear point in the received item, it is possible to refer to the receipt information corresponding to the transaction using the user terminal without making an inquiry to the card company.

  The reference account control unit 45 controls a user account that uses the slip information reference service provided by the reference slip information providing unit 44. For example, in the storage area of the reference account control unit 45, a combination of a user account and a password is associated with attribute information created in advance to identify a card company, a member store, a credit card member, or the like. It is remembered. The reference account control unit 45 receives a login request including a user account and a password from the reference terminal 60, and determines whether or not a combination of a user account and a password that matches the received login request is stored in advance. To do. The reference account control unit 45 determines that the login is successful if the combination of the user account and the password that matches the received login request is stored in advance, and determines that the login fails if the combination is not stored. Further, the reference account control unit 45 may control the range of referenceable slip information according to the attribute of the user account corresponding to the reference terminal 60 that is the transmission source of the slip information reference request. For example, in response to the slip information reference request transmitted from the reference terminal 60 of a specific card company, control may be performed so as not to provide the slip information of transactions in other card companies.

The card company server 50 is a computer device of a card company that handles credit cards. The card company server 50 includes an online processing unit 51.
The online processing unit 51 performs an authorization process in response to the authorization request transmitted from the payment terminal 20 and transmits the authorization result to the payment terminal 20. More specifically, the online processing unit 51 determines whether or not to approve the presented credit card transaction according to the card number included in the authorization request, the amount of the payment request price, or the like. For example, the authorization processing unit 34 determines whether or not the card is an illegal card based on a checksum of the card number, etc., and determines the transaction according to the settlement request according to information such as the expiration date of the card and the credit limit. It is determined whether or not to approve, and the determination result is transmitted as an authorization result to the settlement terminal 20 that is the transmission source of the authorization request.

  Further, the card company server 50 may be provided with a function such as a web service that provides information such as a transaction history to a credit card member handled by the card company. In this case, the card company server 50 may provide the history information for the credit card member and also provide the slip information acquired from the slip information reference server 40.

  The reference terminal 60 is a computer device connected to the slip information reference server 40 via a network. A so-called PC (personal computer) or the like can be applied to the reference terminal 60. The reference terminal 60 may be used by a card company operator, may be used by a member of a member store, or may be used by a purchaser who is a credit card member. It may be. In the present embodiment, the description will be made assuming that it is used by an operator of a card company. The reference terminal 60 includes an input unit 61, a display unit 62, and an inquiry processing unit 63.

The input unit 61 is an input device such as a keyboard or a mouse, and receives input of information from an operator of the card company. For example, the input unit 61 accepts input of data item information that is a target of a slip information reference request.
The display unit 62 is a display that outputs information. For example, the display unit 62 outputs the slip information received from the slip information reference server 40 by the inquiry processing unit 63.

  The inquiry processing unit 63 transmits a slip information reference request to the slip information reference server 40 according to the information input to the input unit 61. For example, the inquiry processing unit 63 transmits a slip information reference request to the slip information reference server 40 according to information input by an operator of the card company in response to an inquiry from the purchaser. The data items included in the slip information reference request transmitted by the inquiry processing unit 63 are as shown in FIG. When the card company operator receives an inquiry about the transaction from the purchaser by telephone or the like, the operator inputs information on the inquiry condition to the input unit 61 according to the content of the inquiry. The inquiry processing unit 63 generates a slip information reference request based on the input information, transmits it to the slip information reference server 40, and slip information transmitted from the slip information reference server 40 in response to the transmitted slip information reference request. Receive. Further, the inquiry processing unit 63 causes the display unit 62 to display the slip information received from the slip information reference server 40. The operator who receives the inquiry from the purchaser looks at the slip information displayed on the display unit 62 and answers the inquiry from the purchaser.

Next, an operation example of the slip reference system 1 according to the present embodiment will be described. FIG. 7 is a sequence diagram showing an operation example in which the payment terminal 20 generates slip information at the time of credit card payment at a member store.
In a credit card member store, for example, when a purchaser determines a product to be purchased, a store clerk of the member store inputs the amount of the product into the payment terminal 20. The input unit 21 of the payment terminal 20 receives the amount input from the store clerk (step S1). The purchaser presents the credit card to the store clerk. The card information reading unit 23 of the payment terminal 20 reads card information from the presented credit card (step S2). The store clerk inputs transaction conditions such as the number of payments applied by the purchaser to the input unit 21 of the payment terminal 20 (step S3).

  The online processing unit 24 of the payment terminal 20 transmits an authorization request including the card information read by the card information reading unit 23 and the transaction conditions input to the input unit 21 to the card company server 50. The online processing unit 51 of the card company server 50 performs an authorization process in response to the authorization request transmitted from the payment terminal 20 and transmits the authorization result to the payment terminal 20. The online processing unit 24 of the payment terminal 20 receives the authorization result transmitted from the card company server 50 (step S4). Here, if the authorization result indicates that the transaction is not approved, the store clerk makes the authorization request to the payment terminal 20 again or does not conduct the transaction with the purchaser.

  If the authorization result transmitted in step S4 indicates that the transaction is approved, the settlement terminal 20 transmits the transaction conditions input in step S3 to the electronic signature input terminal 10, and the electronic signature. Is sent (step S5). When receiving the electronic signature input request transmitted from the settlement terminal 20, the electronic signature input terminal 10 starts its operation. First, the electronic signature input terminal 10 displays the transaction conditions transmitted from the settlement terminal 20 on the display unit 22 (step S6). And the electronic signature input part 11 of the electronic signature input terminal 10 receives the input of the electronic signature from a purchaser (step S7).

  The electronic signature input terminal 10 transmits the electronic signature input in step S7 to the settlement terminal 20 (step S8). The settlement terminal 20 displays the electronic signature transmitted from the electronic signature input terminal 10 on the display unit 22 (step S9). When the clerk of the member store confirms that the electronic signature displayed on the display unit 22 of the payment terminal 20 is the same as the signature written on the credit card, a confirmation button included in the input unit 21 of the payment terminal 20 Is pressed (step S10). The settlement terminal 20 transmits information indicating that the electronic signature has been confirmed to the electronic signature input terminal 10 (step S11). The slip information generation unit 25 of the payment terminal 20 generates slip information based on the card information input in step S2 and the transaction conditions input in step S3. The slip printing unit 26 prints and outputs the slip information generated by the slip information generation unit 25 (step S12). The clerk of the member store gives the output slip to the purchaser as a purchaser copy. In this way, when the confirmation button indicating that the electronic signature has been confirmed by the salesclerk is pressed, the electronic signature entered by the purchaser has been confirmed by the salesclerk by printing and outputting the slip information. Can be left on the settlement terminal 20.

FIG. 8 is a sequence diagram illustrating an operation example in which the slip information generated by the settlement terminal 20 is stored in the slip information reference server 40 and is referred to by the reference terminal 60.
The settlement terminal 20 transmits the generated slip information to the slip information server 30 (step S13). When the slip information server 30 receives the slip information transmitted from the settlement terminal 20, the slip information server 30 counts the number of slip information transmitted from the settlement terminal 20 within a certain period (step S14). Further, the slip information server 30 determines whether or not the format of the slip information received from the settlement terminal 20 matches a predetermined format. For example, the slip information server 30 confirms the number of characters of information included in the slip information, the number of data items, and the like (step S15). Here, if it is determined that the formats do not match, the slip information server 30 transmits error information to the settlement terminal 20. Further, the slip information server 30 receives an authorization result based on the authorization request transmitted to the card company server 50 in step S4. Here, the slip information server 30 may receive the authorization result from the card company server 50. For example, the transaction at the time of the authorization process stored in the relay device between the payment terminal 20 and the card company server 50 The authorization result may be extracted from the log. The slip information server 30 determines whether or not the transaction contents of the slip information transmitted from the settlement terminal 20 match the authorization result (step S16). Here, if it is determined that the transaction contents of the slip information and the authorization result do not match, the slip information server 30 transmits error information to the settlement terminal 20.

  The slip information server 30 transmits the check result of the slip information transmitted from the settlement terminal 20 to the settlement terminal 20, and stores the slip information in the slip information storage unit 31 (step S18). The slip information server 30 transmits the slip information stored in the slip information storage unit 31 to the slip information reference server 40 as reference slip information (step S19). When the slip information reference server 40 receives the slip information transmitted from the slip information server 30, the slip information reference server 40 stores the slip information in the reference slip information storage unit 43 (step S20).

  On the other hand, the reference terminal 60 receives an input of a previously issued account or password from an operator of the card company server, and transmits a login request to the slip information reference server 40. The reference account control unit 45 of the slip information reference server 40 determines whether or not to allow the reference terminal 60 to log in based on the login request transmitted from the reference terminal 60. When the login by the reference terminal 60 is successful, the operator of the card company accepts an inquiry from a purchaser who has made a transaction using a credit card by telephone or the like. The input unit 61 of the reference terminal 60 receives input of inquiry conditions input from an operator of the card company (step S22). The inquiry processing unit 63 of the reference terminal 60 transmits a slip information reference request including a data item corresponding to the inquiry condition input in step S22 to the slip information reference server 40 (step S23). The reference slip information providing unit 44 of the slip information reference server 40 reads the slip information corresponding to the slip information reference request transmitted from the reference terminal 60 from the reference slip information storage unit 43 (step S24). The slip information reference server 40 transmits the read slip information to the reference terminal 60. The inquiry processing unit 63 of the reference terminal 60 causes the display unit 62 to display the slip information transmitted from the slip information reference server 40. The card company operator looks at the slip information displayed on the display unit 62 of the reference terminal 60 and answers the inquiry from the purchaser. In this way, the operator of the card company can efficiently answer the inquiry from the purchaser regarding the transaction of the credit card settlement.

  In addition, you may comprise each function part with which the reference terminal 60 is provided in the above-mentioned embodiment so that the card company server 50 may be provided. FIG. 9 is a diagram showing a configuration of the slip reference system 1 according to another embodiment configured as described above. In this embodiment, authorization processing is performed by the card company server 50 and inquiry processing to the slip information reference server 40 is performed. In this case, the reference terminal 60 does not need to exist, and the card company server 50 includes the functional units of the reference terminal 60.

  Further, the settlement terminal 20 may include an encryption processing unit that encrypts the slip information, and may transmit the slip information to the slip information server 30 after encrypting the slip information. For example, FIG. 10 is a diagram showing an outline of encryption when an electronic signature is constituted by image data (raster image). In this case, character data is embedded in the image data by the digital watermark technique, and the slip information is encrypted by an encryption technique such as AES. Or FIG. 11 is a figure which shows the outline | summary of the encryption in the case of comprising an electronic signature by coordinate data (vector image). In this case, an electronic signature generated based on the character data and the secret value is given to the coordinate data, and the slip information is encrypted by an encryption technique. The settlement terminal 20 transmits the encrypted slip information to the slip information server 30. The slip information storage unit 31 of the slip information server 30 stores encrypted slip information.

  Further, in the present embodiment, an example has been described in which an electronic signature is input to the electronic signature input terminal 10 by a purchaser and a slip information including the input electronic signature is generated at the time of a transaction. The slip information not included may be stored in the slip information storage unit 31 of the slip information server 30. For example, in the case of signless payment, the slip information generated by the slip information generation unit 25 does not include an electronic signature. Signless payment is performed, for example, when a contract is made in advance between a member store and a credit card company, or when an identity is confirmed using a PIN in an IC credit card transaction. In this way, the slip information storage unit 31 of the slip information server 30 stores both slip information including an electronic signature and slip information including an electronic signature so that they can be referred to. good.

  In this embodiment, the slip information server 30 that stores the slip information generated by the settlement terminal 20 and the slip information reference server 40 that transmits the slip information in response to the slip information reference request from the reference terminal 60 are provided. Although the example comprised by a different computer apparatus was demonstrated, you may comprise the slip information server 30 and the slip information reference server 40 by the same computer apparatus. For example, without providing the slip information reference server 40, the slip information server 30 may have the same function as the reference slip information providing unit 44 of the slip information reference server 40. However, conversely, it may be configured by three or more computer devices according to the network environment and processing load.

  Further, when the online processing unit 24 of the payment terminal 20 transmits an authorization request to the card company server 50 as described above, the authorization result is stored in the card company server 50. For this reason, when the transaction conditions are corrected thereafter, the authorization process must be performed again. Therefore, when transaction conditions are input to the input unit 21 of the payment terminal 20, the payment terminal 20 transmits and displays the transaction conditions to the electronic signature input terminal 10, and after the transaction conditions are confirmed by the purchaser, authorization processing is performed. May be performed. Thus, the purchaser can confirm the transaction conditions before the authorization process, and if there is an input error by the store clerk, the error can be corrected before the authorization process is performed. In this case, when the transaction conditions are displayed on the electronic signature input terminal 10, the clerk of the member store confirms whether or not the transaction conditions are correct to the purchaser, and if confirmed, settles the information indicating that. Input to the terminal 20. For example, a confirmation button is pressed. When the payment terminal 20 receives information indicating that the transaction conditions have been confirmed, the payment terminal 20 transmits an authorization request to the card company server 50 to perform online processing.

  As described above, according to the present embodiment, the slip information including the electronic signature is stored in the slip information reference server 40 and can be referred to from the reference terminal 60 as necessary. There is no need to store a large amount of paper slips. In addition, there is no burden of searching for a slip corresponding to the inquiry from a large amount of paper-based slips when making a query from the purchaser. Furthermore, it can be expected that the customer satisfaction is improved by increasing the response speed to the inquiry from the purchaser.

  On the other hand, it is not necessary for member stores to store a large number of paper company card slips on paper. In addition, there is no burden of searching for a slip corresponding to the inquiry from a large amount of paper media in response to an inquiry from the card company. In addition, since the electronic signature is input and the confirmation button is pressed by the store clerk, it is built into the slip information generation process. For this reason, the purchaser forgets the signature or forgets to confirm the signature at the time of credit card payment. Can be expected to eliminate. Further, since the number of transactions is counted by the slip information server 30 according to the generated slip information, there is no burden of work such as confirmation of the number of slips. Further, since the electronic signature is stored in the payment terminal 20, an operation error such as a card company copy signed on a paper medium being handed over to the purchaser cannot occur, for example.

  The purchaser can also obtain a quick answer when making an inquiry to the card company. Further, since the slip information is encrypted and stored in the slip information server 30, the risk of information leakage due to the loss of the card company copy is reduced, and it can be expected to use the credit card with confidence. As described above, according to the present embodiment, it is possible to efficiently perform credit card transactions for any of the card company, the member store, and the purchaser.

  The program for realizing the function of the processing unit in the present invention is recorded on a computer-readable recording medium, and the program recorded on the recording medium is read by the computer system and executed to refer to the slip information. May be performed. Here, the “computer system” includes an OS and hardware such as peripheral devices. The “computer system” includes a WWW system having a homepage providing environment (or display environment). The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system. Further, the “computer-readable recording medium” refers to a volatile memory (RAM) in a computer system that becomes a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

  The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

1 slip reference system 10 electronic signature input terminal 11 electronic signature input unit 12 display unit 20 payment terminal 21 input unit 22 display unit 23 card information reading unit 24 online processing unit 25 slip information generation unit 26 slip printing unit 30 slip information server 31 slip Information storage section 40 Slip information reference server 41 Input section 42 Display section 43 Reference slip information storage section 44 Reference slip information provision section 45 Reference account control section 50 Card company server 51 Online processing section 52 Input section 53 Display section 54 Inquiry Processing unit 60 Reference terminal 61 Input unit 62 Display unit 63 Inquiry processing unit

Claims (10)

An electronic signature input terminal that accepts input of an electronic signature from the user at a member store that performs transactions in accordance with a credit card presented by the user, a payment terminal connected to the electronic signature input terminal, and an inquiry regarding the transaction A slip reference system comprising a reference terminal for performing and a slip information server connected to the settlement terminal via a network,
The payment terminal is
A slip information transmitting unit that transmits slip information including the electronic signature input to the electronic signature input terminal to the slip information server;
The slip information server
A slip information storage unit for storing the slip information transmitted from the settlement terminal;
A slip information providing unit that reads out the slip information stored in the slip information storage unit and transmits it to the reference terminal for display in response to a slip information reference request transmitted from the reference terminal. The slip reference system. The payment terminal is
A display unit for displaying the electronic signature input to the sign input terminal;
The slip information transmitting unit transmits the slip information to the slip information server when receiving the input of confirmation information indicating that the electronic signature displayed on the display unit is confirmed by a clerk of the member store. The slip reference system according to claim 1. The electronic signature input terminal is
A receiving unit for receiving a transaction condition including an amount according to the transaction and a payment method from the payment terminal;
A display unit for displaying the transaction conditions received by the receiving unit,
The payment terminal is
An input unit for inputting the transaction conditions;
After receiving the confirmation information indicating that the transaction condition displayed on the electronic signature input terminal is confirmed by the user, an authorization request for the transaction is issued to the card company server of the card company handling the credit card. An online processing unit that sends
The slip reference system according to claim 1 or 2, further comprising: Of the slip information server,
The slip information stored in the slip information storage unit includes receipt information including a store name of the member store,
The slip information providing unit of the slip information server includes:
The receipt information is transmitted in response to a request for referring to the receipt information corresponding to the transaction, which is transmitted from the user terminal of the user. The document reference system described. The slip information server includes a first slip information server including a slip information storage unit in which the slip information is stored, and a reference slip having the same contents as the slip information and storing the slip information for reference. A second slip information server comprising an information storage unit and the slip information providing unit;
The reference terminal is
The voucher reference system according to any one of claims 1 to 4, wherein the voucher information reference request is transmitted to the second voucher information server. An electronic signature input terminal that accepts an electronic signature input from the user at a member store that conducts transactions in accordance with a credit card presented by the user, a payment terminal connected to the electronic signature input terminal, and a network connected to the payment terminal A slip reference system comprising a slip information server connected via a card company and a card company server of a card company that handles the credit card,
The payment terminal is
A slip information transmitting unit that transmits slip information including the electronic signature input to the electronic signature input terminal to the slip information server;
The slip information server
A slip information storage unit for storing the slip information transmitted from the settlement terminal;
A slip information providing unit that reads the slip information stored in the slip information storage unit and transmits it to the card company server in response to a slip information reference request transmitted from the card company server;
The card company server is
In response to an inquiry from the user, the slip information reference request corresponding to the transaction is transmitted to the slip information server, and the slip information transmitted from the slip information server in response to the transmitted slip information reference request A query processing unit to receive;
An output unit for outputting the slip information received by the inquiry processing unit;
A slip reference system comprising: The payment terminal is
A display unit for displaying the electronic signature input to the sign input terminal;
The slip information transmitting unit transmits the slip information to the slip information server when receiving the input of confirmation information indicating that the electronic signature displayed on the display unit is confirmed by a clerk of the member store. The slip reference system according to claim 6. The electronic signature input terminal is
A receiving unit for receiving a transaction condition including an amount according to the transaction and a payment method from the payment terminal;
A display unit for displaying the transaction conditions received by the receiving unit,
The payment terminal is
An input unit for inputting the transaction conditions;
An online processing unit for transmitting an authorization request relating to the transaction to the card company server after receiving input of confirmation information indicating that the transaction condition displayed on the electronic signature input terminal is confirmed by the user; ,
The slip reference system according to claim 6 or 7, further comprising: Of the slip information server,
The slip information stored in the slip information storage unit includes receipt information including a store name of the member store,
The slip information providing unit of the slip information server includes:
The receipt information is transmitted in response to a reference request for the receipt information corresponding to the transaction, which is transmitted from the user terminal of the user. The document reference system described. An electronic signature input terminal that accepts input of an electronic signature from the user at a member store that performs transactions in accordance with a credit card presented by the user, a payment terminal connected to the electronic signature input terminal, and an inquiry regarding the transaction A slip information reference method for a slip reference system, comprising: a slip information server having a slip information storage unit that is connected to a reference terminal to be performed and the settlement terminal via a network and stores slip information transmitted from the settlement terminal. Because
The payment terminal is
Transmitting the slip information including the electronic signature input to the electronic signature input terminal to the slip information server;
The slip information server is
In response to a slip information reference request transmitted from the reference terminal, the step of reading the slip information stored in the slip information storage unit and transmitting it to the reference terminal for display.
A slip reference method comprising the steps of:

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