JP2011233143A - System, method and program for automatically acknowledging installment of card settlement amount - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a mechanism in which a consumer and a store visited by the customer can perform card settlement without caring a use restriction of the card.SOLUTION: A settlement processing system includes: storing means for storing a partial settlement amount setting condition for setting the settlement amount in stages; settlement request transmitting means for transmitting a settlement request in accordance with a total sum of a desired settlement to a card settlement center; partial desired settlement amount determination means for referring the partial settlement amount setting condition when the settlement result is not acknowledged and determining an amount that is smaller than the settlement amount that is not acknowledged as a partial desired settlement amount; settlement request transmitting means for transmitting a partial settlement request in accordance with the partial desired settlement amount to the card settlement center; and partial transaction result receiving means for receiving a partial settlement result for the partial settlement request from the card settlement center.

Description

  The present invention relates to a card payment amount automatic division approval system, a card payment amount automatic division approval method, and a program.

  Credit cards are one of the means of payment when purchasing products and providing services. Credit card issuers generally provide credit (use) to credit card users (members) to limit credit risk. ) Set the limit amount in advance. Thereby, even if a consumer (user) does not have money at the time of purchase, he / she can purchase goods within the range of the limit of use.

  As an example of a credit card payment system, the following Patent Document 1 discloses user information using a receiving means for receiving transaction approval request information transmitted from a card use information input device, and a credit card identifier included in the transaction approval request information as a key. A first approval unit that determines whether or not the credit card is valid, searches for use limit information corresponding to the credit card identifier using the credit card identifier as a key, transaction approval request information, use limit information, The second approval unit for determining whether or not to accept the credit card transaction on the basis of the credit card transaction, and if the first and second approval units approve the credit card transaction, the sales amount information is updated and the updated sales amount information Usage limit management unit that updates usage limit information based on the card, and the card usage information input device for the updated usage limit information Credit card management device and a transmission unit for transmitting is disclosed.

  By the way, certain services need to be continuously received due to their nature, and there are things that cannot be understood unless they are actually received. Depending on the effects, etc., consumers (service beneficiaries) ) May want to cancel the service at a later date. For this reason, in order to protect consumers, etc., when contracting specified continuous service provision, etc. under the prescribed legal system, the service business provider or distributor (service provider) Before signing a service provision contract, a document stating the outline of the specified continuous service provision contract (“Summary Document”) must be issued to the other party of the contract, and a specified continuous service provision contract When a contract is concluded, a document ("contract document") that clarifies the contents of the specified continuous service provision contract without delay will be issued to the person (service beneficiary) who receives the provision of the specified continuous service. It is not supposed to be.

Japanese Patent Laid-Open No. 2002-203188

  Nowadays, many consumers hold a plurality of different types of cards at the same time. However, the closing payments often vary depending on the card company or the type of card. In addition, the card company may change the consumer's available balance depending on the intermediate examination or the card usage status, etc., but the information after such change is often not notified to the consumer. For this reason, it is generally difficult for a consumer to grasp how much the card can actually be used when the card is used.

  In addition, depending on the card company, there are various ways of thinking such as credit card for use area, use store, and use service contents. In some cases, the amount that can be settled by the total amount (total amount available for each store) may be restricted, but such restriction is generally not disclosed to the use store (member store).

  Therefore, when a consumer makes a payment using a credit card, the consumer and the use store (member store) cannot determine the consumer's available balance at that time and the amount that the use store can settle. As a result, there is a problem in that the payment is not approved if the consumer cuts out the card with a payment amount equal to or greater than the available balance. For example, if the available balance for a card is 100,000 yen and you try to settle with a payment amount of 120,000 yen, the payment amount is 100,000 yen, even though it is within the available balance. It will be disapproved. As a result, there is a problem that the consumer may not be able to use the card and may be treated like a defective card. On the other hand, as a result of the payment not being approved for the use store, there is a problem that the ease of payment that the card payment has is impaired, and the consumer's willingness to purchase is reduced.

  Therefore, there is a demand for a mechanism that allows a consumer or a use store to execute card payment without being aware of usage restrictions such as an available balance. However, Patent Document 1 merely determines whether or not to accept a credit card transaction based on transaction approval request information and usage limit information, and it is disclosed and suggested to provide such a mechanism. Not.

  Accordingly, an object of the present invention is to provide a mechanism that allows a consumer or a use store to execute card payment without being aware of card usage restrictions.

  In addition, when providing specific continuous services, service providers must prepare multiple types of prescribed documents in accordance with the law. There is a problem that it is difficult and its cost increases.

  In addition, there are many common items in each prescribed document, and consumers must fill in the common contents every time a prescribed document is issued, which puts an excessive burden on them. . In addition, for service providers, if consumers wish to make card payments, convenience can be improved if items entered in a given document can be transferred to card payment processing, but such a mechanism is not provided. It was.

  Accordingly, another object of the present invention is to provide a mechanism capable of executing card settlement in cooperation with a predetermined document delivery procedure.

  A payment processing system configured to be communicable with a card payment center, wherein a storage means for storing partial payment amount setting conditions for setting payment amounts in stages, and a payment request based on a desired payment total amount to the card payment center The settlement request transmitting means for transmitting, the settlement result receiving means for receiving the settlement result for the settlement request transmitted from the card settlement center, and the storage when the settlement result transmitted from the card settlement center is disapproved. A partial settlement desired amount determining means for determining a partial settlement desired amount as a partial settlement desired amount with reference to the partial settlement amount setting condition stored in the means, and a partial settlement based on the partial settlement desired amount A partial settlement request transmitting means for transmitting a request to the card settlement center, and a unit for receiving a partial settlement result for the partial settlement request A settlement result receiving means, characterized in that it comprises a.

  If the partial settlement request for the partial settlement request is disapproved, the partial settlement desired amount determining means refers to the partial settlement amount setting condition stored in the storage means and A low amount is determined as the next partial settlement desired amount.

  A partial settlement control means for calculating a total approved amount approved in the partial settlement as an approved total amount, and calculating a settlement non-approved amount by subtracting the total approved amount from the desired settlement total amount. To do.

  If the partial settlement result for the partial settlement is approved, the partial settlement desired amount determination means determines that the partial payment is based on the condition that the unapproved amount at that time is equal to or greater than the partial settlement desired amount related to the partial settlement result. A partial settlement request based on the desired settlement amount is transmitted to the card settlement center.

  If the partial settlement result is approval, the partial settlement desired amount determining means stores the partial settlement desired amount in the storage unit on the condition that the unapproved amount at the time is less than the partial settlement desired amount related to the partial settlement result. With reference to the partial settlement amount setting condition, the amount lower than the partial settlement desired amount is determined as the next partial settlement desired amount.

  A settlement result output means for outputting a settlement approval amount and a settlement disapproval amount in the calculated desired settlement total amount.

  The payment processing system further includes contract management support means for supporting management of contracts related to provision of predetermined services, and the contract management support means controls the display so as to display a screen including a plurality of input forms. Control is performed so that the content input to the first input form related to the contract among the plurality of input forms is taken over by the input content to the second input form related to the contract.

  The contract management support means controls so that the content input to the second input form is succeeded to the input content to the third input form related to settlement, and the settlement request transmission means includes the third input form. The settlement request is transmitted to the card settlement center based on the contents entered in the input form.

  A payment processing method in a payment processing system configured to be communicable with a card payment center, wherein the payment processing system includes a storage device for storing payment amount setting conditions for setting a payment amount in stages, and the payment processing A method includes: a payment request transmission step of transmitting a payment request based on a desired payment total amount to the card payment center; a payment result reception step of receiving a payment result for the payment request transmitted from the card payment center; and the card payment When the settlement result transmitted from the center is unapproved, the partial settlement refers to the partial settlement amount setting condition stored in the storage device and determines an amount lower than the unapproved unapproved amount as the partial settlement desired amount A desired amount determination step and a partial settlement request based on the partial settlement desired amount are transmitted to the card settlement center. Comprising a partial settlement request sending step, and a partial payment result receiving step of receiving a partial payment result of the partial payment request transmitted from the card payment center.

The program of the present invention causes a computer to execute each processing step of the above method. The program of the present invention can be installed or loaded on a computer through various recording media such as an optical disk such as a CD-ROM, a magnetic disk, or a semiconductor memory, or via a communication network.
Alternatively, the program of the present invention may be arranged on a server in a network center and used using a Web browser on a client computer.

  In this specification and the like, the means does not simply mean a physical means, but includes a case where the functions of the means are realized by software. Further, the function of one means may be realized by two or more physical means, or the functions of two or more means may be realized by one physical means.

  ADVANTAGE OF THE INVENTION According to this invention, a consumer or a use store can perform card payment, without being conscious of the card | curd utilization restriction here.

  In addition, according to the present invention, when a contract for providing services, etc. is concluded, a predetermined document delivery procedure can be easily performed, and a card settlement procedure associated with the contract conclusion can be easily performed. Become.

It is a figure for demonstrating a card payment amount automatic division | segmentation approval system. It is a figure which shows an example of schematic structure of a card payment amount automatic division | segmentation approval system. It is a figure showing an example of the data structure of payment amount setting condition DB. It is a figure for demonstrating a card payment amount automatic division | segmentation approval process. It is a flowchart showing an example of card payment amount automatic division | segmentation approval processing. It is a flowchart showing the specific example of card payment amount automatic division | segmentation approval processing. It is a figure for demonstrating a card payment amount automatic division | segmentation approval process. It is a figure which shows an example of schematic structure of a card payment amount automatic division | segmentation approval system. It is a figure which shows an example of the input screen provided by the card payment amount automatic division | segmentation approval system. It is a figure which shows an example of the input form for producing the summary document delivered by contract conclusion, such as provision of specific continuous service. It is a figure which shows an example of the input form for creating the contract document delivered at the time of contract conclusion, such as provision of specific continuous service. It is a figure which shows an example of the input screen provided by the card payment amount automatic division | segmentation approval system.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the same code | symbol is attached | subjected to the same element and the overlapping description is abbreviate | omitted.

[First Embodiment]
[Schematic configuration of automatic payment approval system for card payment amount]
The feature of this system is that if the payment for the total payment desired by the consumer is not approved, the usage set by the credit company is made by making partial payment requests for the amount lower than the total payment desired total. It intends to obtain approval for settlement effectively within the possible amount. Such payments are individually independent payments, which are different from so-called installment payments. However, since the payment is approved for a part of the total payment desired by the consumer first, This is called “partial settlement”.

  Hereinafter, with reference to FIG. 1, an outline of an operation in the card payment automatic dividing approval system (hereinafter sometimes simply referred to as “system”) in the first embodiment will be described.

  The card payment automatic split approval system 30 (hereinafter referred to as “automatic split approval system 30”) includes a card payment terminal 20, a credit card payment center 40 (hereinafter referred to as “settlement center 40”), and a network (network N). Is a line for transmitting and receiving information between the server and the terminal device, such as the Internet, a dedicated line, a packet communication network, a telephone line, a LAN, a corporate network, other communication lines, combinations thereof, etc. Any one of them may be wired or wireless.).

  The consumer inputs the card information of the card 10 to the card payment terminal 20 arranged at the use store. Such input is usually made by store employees on behalf of the consumer. The card payment terminal 20 is not particularly limited as long as it is configured to be able to input card information by a predetermined method. For example, a CAT terminal, a POS terminal, a PC, a mobile phone terminal, etc. To do.

  The card information input to the card settlement terminal 20 is transmitted to the automatic division approval system 30 together with the amount information (the desired settlement total amount) of the service / product purchased by the consumer and, if necessary, the consumer's personal information. The In addition, store identification information for identifying the use store is also transmitted.

  The automatic division approval system 30 transmits a payment request to the payment center 40 based on the acquired card information and the desired payment total amount. Based on the acquired card information, the settlement center 40 checks the amount of money available to the consumer and the use store at the time, and determines whether to approve the settlement. The method for approving payment at the payment center 40 is not particularly limited, but it is assumed that a predetermined available amount (non-disclosure) is determined for each consumer or use store. A conventional credit card settlement center having a settlement approval function can be applied to the settlement center 40.

  The settlement center 40 approves the settlement if the total settlement amount does not exceed the predetermined available amount, and rejects the settlement if the total settlement amount exceeds the usable amount, as a settlement result. It is transmitted to the automatic division approval system 30.

  When the payment result is approval, the automatic division approval system 30 transmits the result to the card payment terminal 20 as result information. The card settlement terminal 20 outputs the result information to, for example, a screen or a printer.

  On the other hand, if the settlement result is disapproved, the automatic split approval system 30 transmits a partial settlement request based on a predetermined first set amount lower than the disapproved total amount (desired total amount for settlement) to the settlement center 40. If the first set amount does not exceed the available amount, the settlement center 40 approves the settlement. If the first set amount exceeds the available amount, the settlement center 40 rejects the settlement and automatically divides the settlement result. It transmits to the approval system 30.

  If the partial settlement result is disapproved, the automatic split approval system 30 transmits a partial settlement request based on a predetermined second set amount lower than the disapproved first set amount to the settlement center 40. If the second set amount does not exceed the available amount, the settlement center 40 approves the settlement. If the second set amount exceeds the available amount, the settlement center 40 rejects the settlement and automatically divides the settlement result. It transmits to the approval system 30.

  When the partial settlement result is unapproved, the automatic split approval system 30 executes the above processing for the third set amount to the Nth set amount and receives the settlement result from the settlement center 40. The details of the automatic division approval process will be described later.

  In this way, the automatic split approval system 30 divides the declined desired settlement total amount into lower settlement amounts and transmits them to the settlement center 40 as a partial settlement request. It becomes possible to make a settlement (partial settlement) with an amount within the range.

  In FIG. 1, the automatic division approval system 30 is described as a system separate from the card payment terminal 20 and the payment center 40. However, the card payment terminal 20 and the payment center 40 have the functions of the automatic division approval system. It can also be configured to include.

[Functional configuration of automatic payment approval system for card payment amount]
Next, the functional configuration of the automatic division approval system 30 will be further described with reference to FIG. The automatic division approval system 30 includes a CPU that controls processing and operations of the entire system, a memory such as a ROM and a RAM, an external storage device that stores various information, an input device 110, a display 111, and a printer (output device) 112. A general-purpose computer including a communication device and a bus connecting them can be applied. For example, the CPU executes a card payment amount automatic division approval program stored in a memory or the like, whereby various function realizing means to be described later Function as.

  The desired total amount acquisition unit 101 acquires the consumer's desired total payment amount and card information via, for example, the input device 110. The payment request transmission unit 102 transmits a payment request based on the desired payment total amount acquired by the desired total amount acquisition unit 101 and the card information to the payment center 40. The settlement result receiving unit 103 receives a settlement result for a settlement request based on the desired settlement total amount from the settlement center 40.

  The desired total amount obtaining unit 101, the settlement request transmitting unit 102, and the settlement result receiving unit 103 are the same as the functions of the conventional card settlement terminal device, and will be described later with a partial settlement control unit 104, a partial settlement amount determination unit 105, The partial settlement request transmitting unit 106, the partial settlement result receiving unit 107, and the partial settlement amount setting condition storage unit 108 constitute a feature of the present invention.

  The partial settlement control unit 104 divides the desired settlement total amount into a lower amount so that the partial settlement is approved within the range of the available amount when the settlement result for the settlement request based on the desired settlement total amount is disapproved. In order to perform partial settlement, various means described later are controlled. Further, based on the settlement result for the partial settlement request, the settlement approval amount and the settlement disapproval amount in the desired settlement total amount are calculated.

  The partial settlement amount determination unit 105 refers to the settlement amount setting condition 109 stored in the settlement amount storage unit 108 when the settlement result transmitted from the settlement center 40 is unapproved, and the unapproved unapproved amount. Is determined as a partial settlement desired amount.

  FIG. 3 shows an example of the data structure of the partial settlement amount setting condition storage means (DB) 108. The partial settlement amount setting condition storage means 108 is a storage device for storing a partial settlement amount setting condition 109 for dividing the settlement amount and setting the partial settlement amount in stages, and has a function as a database. Although there is no particular limitation on the data structure, in the same figure, four set amounts are preset for each desired settlement total amount, and when the desired settlement total amount is within 300,000 yen, the first set amount is set. “100,000 yen”, “50,000 yen” as the second set amount, “10,000 yen” as the third set amount, and “less than 10,000” as the fourth set amount are set. The fourth set amount corresponds to the final set amount. The payment amount setting condition may be any as long as it is designed to determine the available amount managed by the payment center 40, and can be arbitrarily set according to the specification and design. For example, the set amount is not limited to four stages, and can be any N stages. Further, instead of setting the fixed amount as a fixed amount, the ratio to the desired settlement total amount (for example, the first set amount = the desired settlement total amount × 80%, the second set amount = the desired settlement total amount × 60%, the third set amount = settlement) (Desired total amount x 40%, fourth set amount = desired settlement total amount x 20%) may be set. Furthermore, the setting condition may be dynamically changed according to the settlement amount being settled and the approval / disapproval status of the settlement amount. Alternatively, the settlement amount and the approved / unapproved amount may be stored as history information, and the condition may be set based on past history information.

  The partial settlement request transmitting unit 106 transmits a partial settlement request based on the partial settlement desired amount and the card information to the settlement center 40.

  The partial settlement result receiving unit 107 receives a partial settlement result for the partial settlement request transmitted from the settlement center.

  The settlement result output unit 113 outputs a settlement result for the settlement request transmitted from the settlement center or a result based on the partial settlement result for the partial settlement request to the display 111 or the printer 112. The output method of settlement results (including partial settlement results) is not particularly limited. For example, when partial settlement is performed for the total settlement desired amount, the total approved amount, which is the sum of the amounts finally approved for settlement, , Together with the total disapproved amount, which is the sum of the amount of payment disapproved.

[Flow of Card Payment Amount Automatic Split Approval Process]
Next, the flow of processing in the card payment amount automatic division approval system 30 will be described with reference to the flowcharts of FIGS. In addition, each process step shown in the flowchart to be described later can be executed in any order or in parallel within a range in which there is no contradiction in processing contents. Moreover, you may add another step between each process step. Further, a step described as one step for convenience can be executed by being divided into a plurality of steps, while a step described as being divided into a plurality of steps for convenience can be grasped as one step.

  FIG. 4 is a diagram for explaining the card payment amount automatic division approval process when the first setting to the Nth setting (final setting) are set as the payment amount setting conditions. If the settlement approval request for the desired settlement total amount is YES, the settlement is approved with the desired settlement total amount, and if the settlement approval request for the desired settlement total amount is NO, a partial settlement request for the first set amount is made. .

  If the partial settlement approval request for the first set amount is YES, the partial settlement request is made again for the first set amount. For the first set amount, a partial settlement request is made until partial settlement is disapproved for the first set amount or until the balance (disapproved amount) falls below the first set amount. On the other hand, when the partial settlement is rejected for the first set amount, or when the balance (disapproved amount) is lower than the first set amount, the set amount (second setting to Nth) below the balance (disapproved amount). A partial settlement request is made by either setting (final setting) or balance itself.

  On the other hand, if the partial settlement approval request for the first set amount is NO, a partial settlement request for the second set amount is made. Since the partial settlement request processing for the second set amount is the same as the partial completion request processing for the first set amount, description thereof is omitted.

  After the partial settlement request is made in stages while decreasing the set amount sequentially from the first set amount, a partial settlement request is made for the Nth set amount (final set amount). The final set amount is the same as the partial settlement request for the first set amount, but when the balance (unapproved amount) is less than the final set amount, a partial settlement request is made with the balance.

  As a result, the sum of the amounts approved for settlement / partial settlement becomes the total approved amount, and the value obtained by subtracting the total approved amount from the total desired settlement amount becomes the disapproved amount.

  FIG. 5 is a flowchart showing a flow of processing in the card settlement amount automatic division approval system 30.

  The automatic split approval system 30 transmits a payment request with the desired total payment amount to the payment center 40 and receives a payment result from the payment center 40 (S201).

  The automatic division approval system 30 determines whether or not the payment has been approved (S202). If the payment is approved (S202; YES), the process ends. On the other hand, when it is not approved (S202; No), the settlement amount automatic division approval process is started (S203).

  The automatic split approval system 30 refers to the payment amount setting condition and determines the next set amount (1 to N) lower than the unapproved amount as the partial settlement desired amount (S204). The partial settlement desired amount is lower than the previously requested settlement amount (including the partial settlement amount), and an amount equal to or less than the unapproved balance that has not been approved at the target time is specified. For example, when the total settlement desired amount is an unapproved amount, the first set amount (≦ unapproved balance) is determined as the partial settlement desired amount, and when the nth set amount is an unapproved amount, the nth +1 set amount (≦ unapproved balance) is determined as the partial settlement desired amount.

  The automatic split approval system 30 transmits a partial settlement request (1 to N) based on the partial settlement desired amount to the settlement center 40 (S205) and receives a partial settlement result from the settlement center 40 (S206).

  The automatic split approval system 30 determines whether or not the partial settlement has been approved (S207), and if it has been approved (S207; YES), calculates / updates the total approval amount based on the approved partial settlement amount. (S208).

  The automatic split approval system 30 determines whether or not the unapproved balance at the time is less than the target partial settlement desired amount (S209), and if the unapproved balance is not less than the target partial settlement desired amount (S209; NO), the process proceeds to S205 so that the partial settlement request is made again based on the same partial settlement desired amount. For example, when the partial settlement desired amount is the first set amount, the processes after S205 are executed again for the first set amount.

  On the other hand, if the unapproved balance at that time is less than the target partial settlement desired amount (S209; YES), the automatic split approval system 30 sets the set amount below the unapproved balance as the partial settlement amount setting condition. (S210), if a set amount less than the unapproved balance is set (S210; YES), a new partial settlement request is made with the set amount less than the unapproved balance. Then, the process proceeds to S204. In S204, for example, a set amount that is equal to or less than the unapproved balance and is closest to the unapproved balance is determined as the next partial settlement desired amount, and the processing from S205 is executed again. For example, when there is a relationship of fourth setting ≦ unapproved balance ≦ third setting, the settlement amount of the fourth setting is determined as the next partial settlement desired amount.

  On the other hand, when the set amount below the unapproved balance is not set (S210; NO), a partial settlement request based on the unapproved balance is transmitted (S212), and it is determined whether the partial settlement request is approved. (S213). If the partial settlement request is approved (S213; YES), the approved total amount is calculated by adding the approved settlement amount to the approved amount in S208 (S215). On the other hand, if it is not approved (S213; NO), the result of subtracting the approved total amount in S208 from the desired settlement total amount is calculated as a disapproved amount (S214).

  Returning to S207, when the partial settlement is rejected (S207; NO), the automatic split approval system 30 determines whether or not the partial settlement is the final set amount (S211), and the partial settlement is finally set. If it is not the amount (S211; NO), the process proceeds to S204 so that the next partial settlement request is made with an amount lower than the partial settlement desired amount. On the other hand, if the partial settlement is the final set amount (S211; YES), the process ends.

  FIG. 6 is a diagram for explaining a specific example of the card payment amount automatic division approval process. Amounts are set for the desired total payment amount and various set amounts. It is assumed that the available amount set in the settlement center 40 is 160,000 yen.

  When the automatic split approval system 30 sends a settlement request based on the desired settlement total amount (216,500 yen) ((1) in the figure), it exceeds the available amount (160,000 yen). Is notified ((2) in the figure). At this time, the approved settlement amount is 0 yen, and the unapproved settlement amount is 216,500 yen.

  When the automatic split approval system 30 transmits the partial settlement request based on the first set amount (100,000 yen) ((3) in the figure), the available amount (160,000 yen) is not exceeded. The result of the partial settlement approval is notified ((4) in the figure). As a result, the approved settlement amount is 100,000 yen, and the unapproved settlement amount is 116,500 yen. Since 100,000 yen was approved, the available amount is changed from 160,000 yen to 60,000 yen.

  Since the partial settlement result is approval, the automatic split approval system 30 retransmits the partial settlement request based on the first set amount (100,000 yen) ((5) in the figure). Therefore, the partial settlement disapproval result is notified ((6) in the figure). Due to the disapproval, there is no change between the approved settlement amount and the unapproved settlement amount.

  The automatic split approval system 30 sends a partial settlement request based on the second set amount (50,000 yen) (step (7) in the figure) because the partial settlement result has been rejected. Since the possible amount (60,000 yen) has not been exceeded, the result of partial settlement approval is notified ((8) in the figure). As a result, the approved settlement amount is 150,000 yen, and the unapproved settlement amount is 66,500 yen. Since a total of 150,000 yen has been approved, the available amount is changed from 60,000 yen to 10,000 yen.

  Since the partial settlement result is approval, the automatic split approval system 30 transmits the partial settlement request based on the second set amount (60,000 yen) again ((9) in the figure). Therefore, the result of partial settlement disapproval is notified ((10) in the figure). Due to the disapproval, there is no change between the approved settlement amount and the unapproved settlement amount.

  Since the partial settlement result is not approved, the automatic split approval system 30 sends the partial settlement request based on the third set amount (1,000 yen) at a lower level ((11) in the figure) Since the possible amount (10,000 yen) is not exceeded, the result of the partial settlement approval is notified ((12) in the figure). As a result, the approved settlement amount is 160,000 yen, and the unapproved settlement amount is 56,500 yen. Since a total of 160,000 yen has been approved, the available amount is changed to 0 yen.

  Since the partial settlement result is approval, the automatic split approval system 30 sends a partial settlement request based on the third set amount (10,000 yen) ((13) in the figure), and the available amount is 0 yen. Therefore, the result of partial settlement disapproval is notified ((14) in the figure). Because of the disapproval, there is no change between the approved settlement amount and the unapproved settlement amount, the approved settlement amount is 160,000 yen, and the unapproved settlement amount is 56,500 yen.

  The automatic split approval system 30 sends a partial settlement request based on the fourth set amount (predetermined amount less than 1,000 yen: for example, 6,500 yen) at a lower level because the partial settlement result is not approved. As a result ((15) in the figure), since the available amount is 0 yen, the result of the settlement disapproval is notified ((16) in the figure). Because of the disapproval, there is no change between the approved settlement amount and the unapproved settlement amount, the approved settlement amount is 160,000 yen, and the unapproved settlement amount is 56,500 yen.

  As described above, 160,000 yen is approved for payment and 56,500 yen is not approved for a payment request for a total payment of 216,500 yen. Since the available amount at the time of the settlement was 160,000 yen, the settlement was effectively approved within the range of the available amount with respect to the total desired settlement amount.

  As described above, according to the above-described embodiment, when payment is not approved for the desired payment total amount, partial payment requests are made in stages with an amount lower than the desired payment total amount. Payment approval can be obtained effectively within the amount range. Accordingly, the consumer and the member store can execute the card payment without being aware of the card company, the card type, the available balance, the available amount per use, and the like.

  If payment for the desired payment total amount is not approved, a partial payment request is automatically made, so consumers and merchants need to predict the available amount and enter the payment amount by trial and error. Disappear. As a result, the convenience of consumers and member stores in card payment can be further improved.

[Second Embodiment]
In the above embodiment, the approval total amount is calculated by sequentially approving stepwise partial settlement amounts, but in this embodiment, the partial settlement amount is gradually reduced from the desired settlement total amount, An example of deriving the approval amount is shown.

  FIG. 7 is a diagram for explaining another specific example of the automatic card settlement amount split approval process. In this example, it is assumed that the consumer's desired payment total amount is 216,500 yen, and the available amount set in the payment center 40 is 160,000 yen.

  When the automatic split approval system 30 sends a settlement request based on the desired settlement total amount (216,500 yen) ((1) in the figure), it exceeds the available amount (160,000 yen). Is notified ((2) in the figure). At this time, the approved settlement amount is 0 yen, and the unapproved settlement amount is 216,500 yen.

  The automatic split approval system 30 transmits the partial settlement request based on the amount obtained by subtracting a predetermined amount (for example, 10,000 yen) from the desired settlement total amount as the first set amount (206,500 yen) (see FIG. Medium (3)). However, since it exceeds the available amount (160,000 yen), the result of payment disapproval is notified ((4) in the figure). Accordingly, there is no change in the approved settlement amount and the unapproved settlement amount.

  The automatic split approval system 30 further transmits a partial settlement request based on the amount obtained by subtracting a predetermined amount (for example, 10,000 yen) from the first set amount as the second set amount (196,500 yen) ( (5)). However, since it exceeds the available amount (160,000 yen), the result of the payment disapproval is notified ((6) in the figure). Accordingly, there is no change in the approved settlement amount and the unapproved settlement amount.

  Similarly, the automatic split approval system 30 calculates the x-th set amount by sequentially reducing the predetermined amount, transmits a partial settlement request, and repeats until the approval result is notified ((7) in the figure). (14)). By repeating this procedure, the approval result is notified in response to the transmission of the partial settlement request based on the sixth set amount (156,500 yen). Thus, the approved settlement amount is 156,500 yen, and the unapproved settlement amount is 60,000 yen.

  As described above, 156,500 yen is approved for payment and 60,000 yen is not approved for a payment request with a desired payment total amount of 216,500 yen. Since the available amount at the time of the settlement was 160,000 yen, the settlement was effectively approved within the range of the available amount with respect to the total desired settlement amount. If the amount of reduction is reduced, it is possible to make the desired payment total match or be close to the available amount. Further, the amount of reduction may be changed at each stage.

[Third Embodiment]
In the present embodiment, an example will be described in which a contract management system is organically linked to the above-described automatic card settlement amount split approval system. Here, it is assumed that the contract management system relates to a specific continuous service, and the specific continuous service is an aesthetic service. Note that the contract management system can be organically linked to the card payment amount automatic split approval system, or can be used alone.

  That is, at a store, etc., prior to card payment, a document describing the outline of the contract for specified continuous service provision (“Summary Document”) and the contents of the specified continuous service provision contract are included in the contract for specified continuous service provision, etc. Each document to be clarified (“contract document”) must be delivered to the consumer (customer) at a predetermined time. Therefore, first, the employee of the store operates the card payment terminal 20 and inputs necessary items in order to create a summary document before concluding the specific continuous service provision contract. Thereafter, when the contract is concluded, the employee operates the card settlement terminal 20 and inputs necessary items in order to create a contract document. In the present embodiment, items that are common to the contract document among items entered in the summary document are transferred to the contract document, and further, items necessary for the card payment process are transferred to the card payment amount automatic dividing system. .

  FIG. 8 is a diagram illustrating an example of a schematic configuration of a card payment amount automatic division approval system according to the present embodiment. The same components as those described above are denoted by the same reference numerals, and description thereof is omitted.

  The contract management support unit 120, in combination with the input device 110 and the display 111, provides a user interface for contract management. Specifically, the contract management support means 120 displays an input screen for creating a summary document and a contract document on the display 111 and interactively accepts an input from the input device 110. FIG. 9 is a diagram showing an example of an input screen by the contract management support means 120. The input screen includes, for example, a plurality of tabs, and is configured so that the input form can be switched by the tabs. As an example, tabs are provided for selecting input forms such as “payment statement”, “overview document”, “contract”, “service provision history”, and “settlement processing”. The figure shows an input screen in a state where the summary document tab is selected.

  The contract management support means 120 has a function of taking over the content input in a specific field in a certain input form to the corresponding specific field in another input form. In other words, the input form is switched by selecting a tab, but the operator can refer to and / or modify the specific field in the input form with the specific field in the switched input form. FIG. 10 shows an example of a summary document input form, and FIG. 11 shows an example of a contract document input form. For example, the operation content field input in the summary document input form is succeeded to the corresponding field in the contract document input form. In addition, the field of the related product sold in relation to the service in the summary document input form and the field of the total payment amount are also succeeded to the corresponding fields of the contract document input form. Such transfer between input forms is performed by, for example, substituting the attribute value of the transfer source field into the attribute value of the transfer destination field. As a result, the operator can save the trouble of re-inputting duplicate contents, and can prevent inconsistencies due to input mistakes.

  The contract management support means 120 outputs data to the printer 112 in order to print a document created in each input form under the instruction of the operator. In response to this, the printer 112 prints data on a print recording medium such as paper. As a result, the printed document is delivered to the consumer.

  In addition, the contract management support means 120 provides a settlement processing input form to the operator during the card settlement (typically after the conclusion of the contract for providing specific continuous service, etc.), and the consumer's desired settlement total amount and the card Prompt for information. Of the fields inherited by the contract document input form, items common to the fields of the settlement process input form are also inherited by the corresponding fields of the settlement process input form. For example, the contents of the total amount field in the contract document input form are transferred to the purchase amount field in the settlement process input form.

  FIG. 12 shows an example of a card payment process input form. In this example, the purchase amount, the customer's telephone number, the store manager, and the service / product name are taken over from the contract document input form and entered in the corresponding fields. In this state, the operator inputs the card information of the credit card deposited from the customer into the card settlement terminal 20 using, for example, a card reader. As a result, the name, card number, and expiration date of the card member are entered in the corresponding fields of the card payment input form. Furthermore, the operator inputs the security code written on the credit card in the corresponding field as necessary. The contract management support means 120 hands over the content entered on the payment process input form to the desired total amount acquisition means 101 described above. Thereby, the card payment automatic amount split approval system 30 can obtain the approval of the payment for a part of the desired payment total amount as required.

  As described above, the content input in a specific field in a certain input form is automatically transferred to the corresponding specific field in another input form. In particular, when concluding a contract for providing specific continuous services that require complicated input work, the input items common to both the outline document and the contract document are inherited between the two, so that the operator does not have to make duplicate input. This reduces the burden and avoids data mismatch due to input mistakes. Further, the same advantage can be obtained in the card settlement because the input contents so far are taken over by the settlement process. Then, the card information, purchase amount, and the like input at the time of card settlement are transferred to the settlement amount automatic division approval system, and as a result, partial settlement is made according to the status of the available amount.

  As described above, according to the above-described embodiment, since common data is inherited between various input forms, the operator does not make a duplicate input without concluding a duplicate input in the case of contract conclusion and settlement such as provision of specific continuous services. Documents and contract documents can be created and card payment procedures can be made. In addition, in card payment, card information etc. is delivered to the payment amount automatic split approval system, so partial payment is possible and payment approval can be effectively obtained within the range of available amount set by the credit card company become. Therefore, even for payments for specific continuous services that tend to be relatively expensive payments, consumers and merchants carry out card payments without being aware of the available balance, the available amount per transaction, etc. Will be able to.

[Other Embodiments]
The present invention is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the gist of the present invention. For this reason, the said embodiment is only a mere illustration in all points, and is not interpreted limitedly.

DESCRIPTION OF SYMBOLS 10 ... Card 20 ... Card payment terminal 30 ... Card payment automatic division | segmentation approval system 40 ... Credit card payment center 101 ... Desired total acquisition means 102 ... Payment request transmission means 103 ... Payment result receiving means 104 ... Partial payment control means 105 ... Partial Settlement amount determination means 106 ... Partial settlement request transmission means 107 ... Partial settlement result reception means 108 ... Partial settlement amount setting condition storage means 109 ... Partial settlement amount setting condition 110 ... Input device 111 ... Display 120 ... Contract management support means

Claims (9)

A payment processing system configured to be able to communicate with a card payment center,
Storage means for storing partial settlement amount setting conditions for setting settlement amounts in stages;
A settlement request transmitting means for transmitting a settlement request based on a desired settlement total amount to the card settlement center;
Payment result receiving means for receiving a payment result for the payment request transmitted from the card payment center;
Partial settlement in which, when the settlement result for the settlement request is unapproved, the partial settlement amount setting condition stored in the storage means is referred to and an amount lower than the unapproved unapproved amount is determined as the partial settlement desired amount A desired amount determination means;
A partial settlement request transmitting means for transmitting a partial settlement request based on the partial settlement desired amount to the card settlement center;
Partial settlement result receiving means for receiving a partial settlement result for the partial settlement request;
A payment processing system comprising: The partial settlement desired amount determining means is:
If the partial settlement result for the partial settlement request is disapproved, the partial settlement amount setting condition stored in the storage means is referred to, and an amount lower than the disapproved partial settlement desired amount is set to the next partial settlement desired amount The payment processing system according to claim 1, wherein the payment processing system is determined as: A partial settlement control means for calculating a total approved amount approved in the partial settlement as an approved total amount, and subtracting the approved total amount from the desired settlement total amount as a settlement unapproved amount;
The settlement processing system according to claim 1, further comprising: The partial settlement desired amount determining means is:
If the partial settlement result for the partial settlement is approved, a partial settlement request based on the partial settlement desired amount is made on condition that the unapproved amount at the time is equal to or larger than the partial settlement desired amount related to the partial settlement result. The payment processing system according to claim 1, wherein the payment processing system transmits to the card payment center. The partial settlement desired money determining means is:
If the partial settlement result is approval, the partial settlement amount setting condition stored in the storage means is set on condition that the unapproved amount at the time is less than the partial settlement desired amount related to the partial settlement result. 5. The settlement processing system according to claim 1, wherein an amount lower than the partial settlement desired amount is determined as a next partial settlement desired amount. The payment processing system includes:
A contract management support means for supporting the management of contracts related to predetermined service provision;
The contract management support means includes
Control is performed so that a screen including a plurality of input forms is displayed, and the content input to the first input form related to the contract among the plurality of input forms is the second input form related to the contract The settlement processing system according to any one of claims 1 to 5, wherein control is performed so as to be taken over by an input content for. The contract management support means includes
Control so that the content input to the second input form is transferred to the input content to the third input form related to the settlement;
The payment processing system according to claim 6, wherein the payment request transmission unit transmits the payment request to the card payment center based on content input to the third input form. A payment processing method in a payment processing system configured to be communicable with a card payment center, wherein the payment processing system includes a storage device for storing payment amount setting conditions for setting a payment amount in stages, and the payment processing The method is
A settlement request transmission step for transmitting a settlement request based on a desired settlement total amount to the card settlement center;
A settlement result receiving step for receiving a settlement result for the settlement request transmitted from the card settlement center;
Partial settlement with reference to a partial settlement amount setting condition stored in the storage device and determining an amount lower than the unapproved unapproved amount as a partial settlement desired amount when the settlement result for the settlement request is unapproved A desired amount determination step;
A partial settlement request transmission step of transmitting a partial settlement request based on the determined partial settlement desired amount to the card settlement center;
A partial settlement result receiving step for receiving a partial settlement result for the partial settlement request,
The partial settlement desired amount determination step includes:
When the partial settlement result for the partial settlement request is disapproved, the partial settlement amount setting condition stored in the storage device is referred to, and an amount lower than the disapproved disapproved amount is set as the next partial settlement desired amount A settlement processing method characterized by determining.   The program for making a computer perform each step as described in the payment processing method of Claim 8.