JP2013105211A - Transaction information registration system, method and computer program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a management system which registers information required for a transaction in order to provide a customer with smooth refueling service beforehand and manages the information.SOLUTION: By identification information capable of uniquely identifying a customer stored in an IC tag 4, a transaction information registration system registers information for settling a value for refueling service with which the customer is provided. A store terminal 2 transmits card information of a credit card together with a credit inquiry request of a transaction by the credit card of the customer to a credit information management device 3. The credit information management device 3 determines whether or not the transaction by the credit card can be credited by referring to a credit information storage section 31. As this result, when credit of the transaction by the credit card is approved, in a transaction information management device 1, the card information and the identification information read from the IC tag 4 are associated with a transaction information storage section 11 and are stored therein. Further, setting information when refueling is performed and the identification information are stored in a setting information storage section 12.

Description

  The present invention relates to a technique for registering information necessary for refueling service transactions.

Conventionally, at a gas station, a credit card is often used for settlement of expenses at the time of refueling. However, in recent years, various cards are provided with a credit function, and customers have many credit cards.
However, even if you own a lot of credit cards, the credit card that is actually used as the main card is often decided, and this credit card is used for refueling. In some cases, the application is determined.

  On the other hand, in recent years, self-type gas stations have increased in response to requests for cost reduction. In a self-service gas station, it is assumed that the customer himself is responsible for everything from refueling to settlement of expenses. Therefore, it is necessary for a gas station operator to prepare a system that makes it easy and easy even for unskilled customers to perform a series of operations from refueling to cost settlement.

  In this regard, Patent Document 1 is a system including a fuel supply device that reads the identification information of an RFID tag attached to a vehicle with a reader / writer and performs a fuel supply service, and for identifying the vehicle as the identification information. There has been proposed information that records at least one of vehicle identification information, replenishment information indicating a replenishment location and a replenishment amount, and privilege information corresponding to the replenishment amount.

  Moreover, in patent document 2, the vehicle-mounted apparatus provided with the communication means which is mounted in a vehicle and communicates with the exterior using narrow area | region radio | wire, and the vehicle fuel sales side, provided in the limited communication area A service station in a vehicular fuel sales office, comprising a fixed station that performs various controls based on information obtained from the on-vehicle device by performing wireless communication with the on-vehicle device that exists, the fixed station, Proposals have been made to perform management control related to fuel supply and payment, or management control for guidance to a fuel supply location, in accordance with the vehicle-side request content obtained from the in-vehicle device.

JP 2010-163187 A JP 2001-213286 A

  However, in the system described in Patent Document 1, since identification information is attached to a vehicle, when a plurality of vehicles are used, the identification information must be attached to each vehicle. Furthermore, at the time of settlement, a series of processes must be performed manually, which is troublesome.

  Moreover, in the system described in Patent Document 2, in order to recognize an in-vehicle device mounted on a vehicle, electromagnetic waves are always transmitted by narrow-band radio, but this is not preferable in a gas station that handles flammable dangerous materials. In addition, regarding payment, credit card information is acquired from the in-vehicle device and credit is given. However, it is not preferable that the in-vehicle device has the credit card information itself.

  SUMMARY OF THE INVENTION An object of the present invention is to provide a system that registers and manages information necessary for a transaction in advance in order to provide a smooth refueling service to a customer.

  In order to achieve the above object, a transaction information registration system according to one aspect of the present invention is a credit information management device that grants credit approval for a transaction by a credit card, and information that is installed in a service station and stored in an IC tag. Is connected to a store terminal connected to a reader that reads the customer's account and a transaction information management device that manages customer settlement via a network, and identification information that can uniquely identify a customer stored in an IC tag. , A system for registering information for settlement of compensation for a refueling service provided to a customer, wherein the store terminal sends a credit inquiry request for a transaction with a credit card of the customer to the credit information management device. A credit inquiry request transmitting means for transmitting card information of the card, and the credit card A determination result receiving unit that receives a determination result of whether or not credit is allowed for the transaction by the information, an information reading unit that reads the identification information from the IC tag by the reader, and setting information that receives an input of setting information when refueling Transaction information transmission for transmitting the card information, the identification information, and the setting information to the transaction information management apparatus when the credit for the transaction by the credit card is approved as a result of the acceptance means and the credit inquiry A transaction information receiving means for receiving the card information, the identification information, and the setting information from the store terminal; and the received card information and the identification information. Transaction information storage means for associating and storing, and setting information storage for storing the received setting information and identification information in association with each other The credit information management device receives the credit card information together with the credit information storage means for storing the credit card credit information and the credit card transaction inquiry request from the store terminal. The credit inquiry request receiving means, and the credit information storage means, and based on the card information, the credit availability judgment means for judging the credit availability for the transaction by the credit card, and the store terminal And a determination result transmitting means for transmitting a determination result of whether or not credit is permitted for a transaction with a credit card.

  The store terminal further includes a password receiving means for receiving an input of a password from the customer, and the transaction information transmitting means sends the card information, the identification information, and the transaction information to the transaction information management device. The setting information and the password are transmitted, and the transaction information management device receives the card information, the identification information, the setting information, and the password from the store terminal. The transaction information storage means may store the received card information, the identification information, and the personal identification number in association with each other.

  Further, each time the identification information is read by the information reading means, the reader activates a wireless function, receives and transmits radio waves for reading information stored in the IC tag, and reads information. It is good also as what to do.

  The IC tag may be attached to a key holder.

  The IC tag may be built in a mobile terminal used by the customer.

  Further, a transaction information registration method according to another aspect of the present invention has a credit information storage means for storing credit information of a customer's credit card, and a credit information management device that gives credit approval for a transaction by a credit card; A system in which a store terminal installed in a service station and connected to a reader that reads information stored in an IC tag and a transaction information management device that manages customer payments are configured to be able to communicate via a network, A method for registering information for settling the price of a refueling service provided to a customer using identification information that can uniquely identify the customer stored in an IC tag, wherein the store terminal has the credit information management A process of transmitting credit card request information to the device together with the credit card transaction inquiry request; A process for receiving the credit card transaction determination result from the credit information management device, a process for reading the identification information from the IC tag by the reader, and a setting information for refueling Processing for accepting input and processing for transmitting the card information, the identification information, and the setting information to the transaction information management device when credit for a transaction by the credit card is approved as a result of the credit inquiry. The transaction information management device stores the card information and the identification information from the store terminal in association with the received card information and the identification information in the transaction information storage means. And a process of storing the received setting information and the identification information in association with each other in the setting information storage unit. The credit information management device refers to the process of receiving the credit card information and the credit information storage means from the store terminal, and the credit information storage means. A process for determining whether or not credit for a transaction with a card is performed and a process for transmitting a determination result regarding whether or not credit for a transaction with a credit card is transmitted to the store terminal.

  Further, a computer program according to still another aspect of the present invention includes a credit information management device that has credit information storage means for storing credit information of a customer's credit card, and gives credit approval for a transaction by the credit card, and a service A system in which a store terminal installed in a station and connected to a reader that reads information stored in an IC tag and a transaction information management device that manages customer payments are configured to be able to communicate with each other via a network. A program for functioning as a transaction information registration system for registering information for settling the price of a refueling service provided to a customer with identification information that can uniquely identify the customer stored in a tag, The store terminal sends a credit inquiry request for the transaction using the credit card to the credit information management device. A process of transmitting the card information of the credit card, a process of receiving a determination result of whether the credit card transaction is acceptable from the credit information management device, and the identification from the IC tag by the reader. A process of reading information, a process of accepting input of setting information when refueling, and a credit for a transaction by the credit card as a result of the credit inquiry, the card is sent to the transaction information management device. Processing to transmit information, the identification information, and the setting information, and the transaction information management device receives the card information, the identification information, and the setting information from the store terminal, A process for associating the received card information and the identification information with each other and storing them in a transaction information storage means; and And processing to store the information and the identification information in association with each other in the setting information storage means, and the credit information management device receives the card information from the store terminal together with the credit card transaction inquiry request. A process for determining whether or not credit for a transaction by the credit card is based on the card information with reference to the credit information storage means, and a credit for the transaction by the credit card to the store terminal. And a process of transmitting the determination result of availability.

According to the present invention, information necessary for the transaction can be registered in advance, so that a smooth refueling service can be provided to the customer.
In addition, the customer does not have to carry the credit card necessary for payment, so it is easy and safe.

It is the functional block diagram which showed the function with which the transaction information registration system which concerns on embodiment of this invention is provided. In the transaction information registration system which concerns on this embodiment, it is the figure which showed an example of the data memorize | stored in a transaction information storage part. In the transaction information registration system which concerns on this embodiment, it is the figure which showed an example of the data memorize | stored in a setting information storage part. In the transaction information registration system which concerns on this embodiment, it is the figure which showed an example of the data memorize | stored in a credit information storage part. It is the sequence diagram which showed the flow of a series of processes by the transaction information registration system which concerns on this embodiment. It is the sequence diagram which showed the flow of a series of processes by the transaction information registration system which concerns on this embodiment. It is the sequence figure which showed the flow of the process when a fueling service is provided and a payment process is performed based on the transaction information registration system which concerns on this embodiment. It is the sequence figure which showed the flow of the process when a fueling service is provided and a payment process is performed based on the transaction information registration system which concerns on this embodiment. It is the figure which showed the example of an output of the setting information shown when a fuel supply service is provided based on the transaction information registration system which concerns on this embodiment. It is the figure which showed another output example of the setting information shown when a fuel supply service is provided based on the transaction information registration system which concerns on this embodiment. It is the functional block diagram which showed the function with which the transaction information registration system which concerns on another embodiment of this invention is provided.

Next, a transaction information registration system according to an embodiment of the present invention will be described with reference to the drawings.
As shown in FIG. 1, the transaction information registration system according to this embodiment includes a transaction information management device 1, a store terminal 2, a credit information management device 3, and an IC tag 4.
Among these, the transaction information management device 1, the store terminal 2, and the credit information management device 3 are configured to be communicable via a network NW such as the Internet.

  In the present embodiment, only one store terminal 2 and one IC tag 4 are shown, but actually, there are a plurality of store terminals 2 depending on the number of stores, and the transaction according to the present embodiment There are a plurality of IC tags 4 according to the number of customers who use the information registration system. Further, with respect to the credit information management device 3, there may be a plurality of credit information management devices 3 for each credit card company that issues different types of credit cards.

The transaction information management device 1 is a device that stores information necessary to settle the price of the refueling service provided to the customer and supplies this information to each terminal as necessary.
The transaction information management device 1 includes a CPU (Central Processing Unit), a computer program executed by the CPU, a RAM (Random Access Memory) storing a computer program and predetermined data, a ROM (Read Only Memory), and an external device such as a hard disk drive. The storage device constitutes a functional block including a transaction information storage unit 11, a setting information storage unit 12, an extraction processing unit 13, and a communication processing unit 14.

The transaction information storage unit 11 is a storage unit that stores information and the like necessary for performing payment of compensation after providing a refueling service to a customer.
For example, as shown in FIG. 2, the transaction information storage unit 11 can store, as transaction information, identification information, card information including information related to a credit card number and an expiration date, and a password. .

The identification information is information stored in the IC tag 4 and is information that can uniquely identify a customer.
The credit card number is an identification number of a credit card used when using a fueling service provided based on the transaction information registration system according to the present embodiment.
The personal identification number is information for authenticating a customer who is a holder of a credit card associated with each other, and is referred to when registering or changing information regarding the handling and management of the credit card.

The setting information storage unit 12 is a storage unit that can store, for each customer, information related to service contents when the customer receives a fueling service.
For example, as shown in FIG. 3, the setting information storage unit 12 stores identification information and setting information when refueling. As described above, the identification information is information stored in the IC tag 4 and is information that can uniquely identify a customer.

The setting information includes information such as the type of fuel to be refueled, the amount of refueling, and the like.
The oil type is a type of fuel, and there are types such as high-octane (gasoline), regular (gasoline), light oil, and kerosene.
The amount of oil supply can be set by a method such as full tank, a predetermined amount (for example, 3000 yen), a predetermined amount (for example, 30 liters), and the like.

  Prior to providing the customer with the refueling service, the extraction processing unit 13 refers to the transaction information storage unit 11 in response to a request from the store terminal 2 and extracts card information associated with the predetermined identification information. Execute. The card information is information relating to a credit card and includes information relating to a credit card number and an expiration date.

The communication processing unit 14 is a processing unit that performs data transmission / reception processing between the store terminal 2 and the credit information management device 3 according to a predetermined protocol via a network NW such as the Internet.
For example, the communication processing unit 14 can uniquely identify the customer as card information including the credit card number and expiration date information of the credit card used by the customer from the POS terminal 2a as information registered in the transaction information storage unit 11. Information received from the POS terminal 2a as information to be registered in the setting information storage unit 12, and identification information that can uniquely identify the customer. To do.

The store terminal 2 is a terminal installed in a store that provides services to customers.
The store in this embodiment is a service station or a gas station, and provides a refueling service to customers. In particular, in the present embodiment, a self-standing stand where the customer refuels himself is taken into consideration.

The store terminal 2 includes a POS terminal 2a, a reader 2b, a refueling machine 2c, and a CAT terminal 2d.
The POS terminal 2a, the reader 2b, the refueling machine 2c, and the CAT terminal 2d constituting the store terminal 2 are connected via a predetermined communication line network, and can exchange data with each other.

The POS terminal 2a (point of sale system: point-of-sale information management) is a terminal for performing sales accounting by a refueling service provided to a customer.
The POS terminal 2a includes a CPU (Central Processing Unit), a computer program executed by the CPU, a RAM (Random Access Memory) storing a computer program and predetermined data, a ROM (Read Only Memory), and an external storage such as a hard disk drive. A functional block including a settlement processing unit 21, a communication processing unit 22, and an input / output processing unit 23 is configured by the apparatus.

The checkout processing unit 21 executes a process for calculating the value of the fueling service provided to the customer.
In this process, referring to a predetermined table storing the unit price for each type of fuel, the amount corresponding to the oil type and the amount of fuel supplied to the customer is calculated.
It is also possible to execute processing such as issuing a slip in accordance with the settlement of the value of the refueling service.

The communication processing unit 22 is a processing unit that executes data transmission / reception processing with the transaction information management device 1 and the credit information management device 3 through a network NW such as the Internet according to a predetermined protocol.
For example, the communication processing unit 22 can uniquely identify the customer or the IC tag 4 with the card information including the credit card number and expiration date information of the credit card used by the customer with the transaction information management device 1. The registration request of the information to the transaction information storage unit 11 is transmitted together with the information, or the registration request of the information to the setting information storage unit 12 is transmitted together with the setting information and the identification information.
Also, a credit inquiry request is transmitted to the credit information management device 3 together with the card information acquired from the transaction information management device 1.

The input / output processing unit 23 includes an input processing unit configured by a touch panel or the like for inputting data, and an output processing unit configured by a display or a speaker for outputting data.
For example, when the customer is registered, the input / output processing unit 23 receives an input of a password for authenticating the customer and setting information related to the oil type and the amount of oil supplied at the time of refueling.
The input / output processing unit 23 may be installed in the store, beside the refueling machine 2c, or installed at an appropriate place according to the convenience of work.

  The reader 2b is a device that can read information stored in the IC tag 4, and includes an antenna coil and a communication control device for controlling the operation of the antenna coil. In addition, a communication processing unit that supplies information read from the IC tag 4 to the POS terminal 2a is provided.

  The reader 2b generates an induced electromotive force in the IC tag 4 by sending out electromagnetic waves, thereby operating the control mechanism on the IC tag 4 side. Then, the information stored in the IC tag 4 can be read by transmitting a question signal to the IC tag 4 and receiving a response signal corresponding thereto from the IC tag 4.

The reader 2b normally disables a wireless function for transmitting an electromagnetic wave for generating an induced electromotive force in the IC tag 4, transmitting a question signal, or receiving a response signal. The POS terminal 2a When receiving an acquisition request for identification information stored in the identification information storage unit 41, the wireless function is activated each time, and predetermined information is read. Then, by supplying the information requested to be read to the POS terminal 2a, when the processing requested from the POS terminal 2a is completed, the wireless function is invalidated again.
As a result, the reader 2b activates the wireless function within the minimum necessary range, so that the influence of electromagnetic waves on the surroundings can be minimized.

  The reader 2b may be configured as a reader / writer capable of performing not only information reading processing but also writing processing.

The refueling machine 2c is a device for refueling a vehicle or the like used by a customer in response to a customer request.
The fueling device 2c includes an oil storage mechanism such as a tank for storing various fuels such as high-octane, regular, and light oil, and a fuel supply mechanism such as a nozzle and a pump for supplying the fuel stored in the tank to a customer's vehicle, etc. In addition to a mechanism required for refueling, such as a measurement mechanism for measuring the amount of refueling, a communication processing unit that supplies data related to refueling to the POS terminal 2a is provided.

  The CAT terminal 2d is a so-called credit authorization terminal, and has a function of reading a credit card magnetic stripe, a communication function of communicating with the credit information management apparatus 3 via the network NW, and the like. And by these functions, in order to confirm the validity of the credit card used by the customer, the credit information management device 3 is inquired of the credit based on the card information. The result of the credit inquiry obtained from the credit information management device 3 is supplied to the POS terminal 2a.

The credit information management device 3 is a terminal installed in a credit card company or the like, and is a terminal that processes information relating to whether or not credit approval is given for a transaction based on a credit card.
The credit information management device 3 includes a CPU (Central Processing Unit), a computer program executed by the CPU, a RAM (Random Access Memory) storing a computer program and predetermined data, a ROM (Read Only Memory), and a hard disk drive. The external storage device constitutes a functional block including a credit information storage unit 31, a credit availability determination unit 32, and a communication processing unit 33.

The credit information storage unit 31 is a storage unit that stores credit information related to a credit card used by a customer.
For example, as shown in FIG. 4, the credit information storage unit 31 stores credit information, attribute information, and usage information in association with each other for each credit card number.

The credit information is information for determining whether or not credit is permitted for the use of the credit card, and is composed of information such as an expiration date, a limit frame, and presence / absence of registration in the black list.
The attribute information is information relating to the attribute of the credit card holder, and is composed of information such as the holder's name, address, telephone number, date of birth, annual income, and work place.
The usage information is information related to the usage history of the credit card, and includes information such as usage date, usage amount, and member store. This usage information is accumulated when a refueling service is provided to a customer and transaction information such as compensation information based on the service is received.

The credit availability determination unit 32 is a functional unit that refers to the credit information storage unit 31 and determines whether credit is permitted for a transaction by a credit card related to the card information based on the card information.
Based on the credit information stored in the credit information storage unit 31, the credit availability determination unit 32 determines whether the credit card designated by the credit card number has expired or the transaction amount exceeds the limit frame. And whether it is registered in the black list or not is determined. In determining whether or not the transaction amount exceeds the limit, information on the usage amount is referred to as appropriate.

The communication processing unit 33 is a processing unit that executes data transmission / reception processing between the transaction information management device 1 and the store terminal 2 according to a predetermined protocol via a network NW such as the Internet.
The communication processing unit 33 receives, for example, a credit card transaction credit inquiry request with the store terminal 2 and transmits a credit card transaction credit decision result.

The IC tag 4 is a passive non-contact type electronic device that stores electronic data and can execute a predetermined information processing operation in response to an electromagnetic wave transmitted from the reader 2b.
The IC tag 4 receives and transmits electromagnetic waves with the reader 2b and generates an induced electromotive force by the received electromagnetic waves, a CPU (Central Processing Unit) as a control unit, and an EEPROM (Electrically Erasable). A functional unit including an identification information storage unit 41, a transmission / reception processing unit 42, and an information processing unit 43 is configured by an IC chip or the like in which a memory such as Programmable Read-Only Memory is unitized.

  The identification information storage unit 41 is information for uniquely identifying a customer, and is a storage unit that can store identification information unique to each IC tag.

The transmission / reception processing unit 42 is a processing unit for transmitting / receiving data to / from the reader 2b.
The transmission / reception processing unit 42 receives a question signal from the reader 2b or transmits identification information to the reader 2b based on an instruction from the information processing unit 43.

  The information processing unit 43 acquires the identification information from the identification information storage unit 41 based on the question signal from the reader 2b, and executes a process of causing the transmission / reception processing unit 42 to transmit the identification information to the reader 2b.

  The IC tag 4 in the present embodiment is configured as a key holder provided with a ring for attaching a key or the like, or built in the key holder or built in a mobile phone used by the customer. It is better to configure in a convenient form. In particular, if it is configured as a key holder, it is suitable as an item associated with driving the vehicle.

Next, a flow of a series of processes by the transaction information registration system according to the present embodiment will be described with reference to FIGS.
When a customer visits a store or the like and performs registration for receiving a refueling service using the IC tag 4, first, the customer is presented with a credit card used for the refueling service.
Then, when the card information including the credit card number and the expiration date information is acquired from the credit card by the CAT terminal 2d, the card information is transmitted to the credit information management device 3 together with a credit inquiry request for confirming the validity of the credit card. (S101).

The credit information management device 3 that has received this information determines whether or not the credit is acceptable for the transaction based on the credit card related to the card information by referring to the credit information storage unit 31 based on the card information. (S102).
The result of the determination as to whether or not credit is possible is transmitted to the CAT terminal 2d by the communication processing unit 33 (S103).

  The store terminal 2 that has received the determination result of the credit availability by the CAT terminal 2d determines that the credit is not accepted on the POS terminal 2a according to the result of the credit permission determination (S104). A series of processing is terminated by displaying a message or the like (S105).

On the other hand, when the credit is approved, the POS terminal 2a issues an acquisition request for the identification information of the IC tag 4 to the reader 2b (S106).
In response to this, the reader 2b activates the wireless function (S107), and acquires identification information from the IC tag 4 held over a predetermined reading unit (S108).
The reader 2b disables the wireless function when the supply of the identification information is completed (S109).

The POS terminal 2a further receives an input of a personal identification number arbitrarily determined by the customer and setting information when the customer refuels via the input / output processing unit 23 (S110). As a result, as transaction information used for the refueling service provided to the customer, the card information including the credit card number and the expiration date information, the identification information, and the personal identification number are prepared, and the setting information when providing the refueling service is provided. To be acquired. In addition, although setting information consists of the combination of the oil seed | species at the time of refueling, and the amount of oil supply, it is not restricted to one combination in particular, A plurality of combinations can be received by the customer arbitrarily.
The POS terminal 2a transmits these card information, identification information, password, and setting information to the transaction information management apparatus 1 (S111).

Upon receiving this information, the transaction information management apparatus 1 stores the customer card information, the identification information of the IC tag 4 that identifies the customer, and the password determined by the customer in the transaction information storage unit 11 in association with each other. (S112).
At the same time, the identification information of the IC tag 4 for identifying the customer and the setting information are associated with each other and stored in the setting information storage unit 12 (S113).
Thus, registration of the customer credit card information and the IC tag 4 is completed.

Next, a flow of processing for providing a fueling service to a customer based on transaction information and setting information registered in the transaction information management apparatus according to the present embodiment will be described with reference to FIGS. 7 and 8.
Prior to the provision of the fueling service, the customer completes the registration of the card information of the customer's credit card and the IC tag 4 described above.

  When the POS terminal 2a receives a request to start providing a refueling service from a customer or store staff via the reception screen displayed by the input / output processing unit 23, the POS terminal 2a is stored in the IC tag 4 with respect to the reader 2b. An acquisition request for identification information is issued (S201).

In response to this, the reader 2b activates the wireless function (S202), transmits a radio wave to the IC tag 4 held over a predetermined reading unit, and reads the identification information stored in the identification information storage unit 41 (S203). .
When the reading is completed, the reader 2b disables the wireless function (S204).

  The POS terminal 2a transmits the identification information supplied from the reader 2b to the transaction information management apparatus 1 together with the card information and setting information acquisition request (S205).

  The transaction information management device 1 uses the extraction processing unit 13 to refer to the transaction information storage unit 11 and extract card information including the credit card number and the expiration date information associated with the identification information received from the POS terminal 2a ( S206).

At the same time, the transaction information management apparatus 1 uses the extraction processing unit 13 to refer to the setting information storage unit 12 and extract setting information associated with the identification information received from the POS terminal 2a (S207).
The extracted card information and setting information are transmitted to the POS terminal 2a (S208).

  When the store terminal 2 acquires the card information from the transaction information management device 1 by the POS terminal 2a, the store terminal 2 uses the CAT terminal 2d to transfer the card information to the credit information management device 3 based on the credit card related to the card information. (S209)

The credit information management device 3 requested for credit inquiry refers to the credit information storage unit 31 by the credit permission determination unit 32 and determines whether or not credit is permitted for a transaction based on the credit card related to the card information received from the POS terminal 2a. Is determined (S210).
Here, the credit inquiry performed in S209 and S210 is performed in order to confirm the validity of the credit card because the settlement amount of the transaction is not fixed because the refueling is actually performed.
And the judgment result of the credit decision | availability by the credit judgment propriety cutting part 32 is transmitted with respect to the CAT terminal 2d (S211).

  The POS terminal 2a terminates the process by displaying, for example, that the transaction cannot be continued if the credit is not accepted, according to the result of the credit decision (S212). S213).

On the other hand, when the credit is approved, the input / output processing unit 23 develops the setting information acquired from the transaction information management device 1 (S214).
Here, an example of the development of the setting information by the input / output processing unit 23 is shown in FIG.
In this example, only one setting information is registered in the IC tag 4. The customer presses a “confirm” button when receiving a fueling service corresponding to the displayed setting information.
On the other hand, when refueling by a method different from the setting information is desired, the “change” button is pressed. When the “change” button is pressed, the screen changes to a screen or the like for changing and inputting the payment method, oil type, and amount of oil supply to any method.

Further, another example of the development of the setting information by the input / output processing unit 23 is shown in FIG.
This example shows a case where two pieces of setting information are registered in the IC tag 4. The customer can arbitrarily select the setting information by pressing one of the two displayed setting information.
In addition, as described above, it is possible to select refueling by a method different from the setting information by pressing the “change” button.

When an input of a predetermined refueling method is received from the screen shown in the above example (S215), the POS terminal 2a instructs the refueling device 2c to refuel by the designated method (S216).
Refueling with the designated oil type and amount is performed by the refueling machine 2c that has received the instruction (S217).
Refueling information relating to actual refueling such as oil type and refueling amount is supplied from the refueling machine 2c to the POS terminal 2a (S218).

The POS terminal 2a calculates the price of the refueling service provided to the customer from the refueling information by the settlement processing unit 21 (S219). In this process, the price of the oil supply service is calculated from the unit price and the service content for each oil type with reference to a separately stored fee table and settled. In addition, a slip is issued for payment according to the consideration.
The calculated consideration is paid based on the credit card associated with the identification information of the IC tag 4, but if the calculated consideration exceeds a predetermined amount, the credit inquiry is again made here. It is good.

  When the consideration is calculated and the payment at the store is completed, the POS terminal 2a transmits the card information including the credit card number and the expiration date information, and the consideration information to the transaction information management apparatus 1 (S220).

  The transaction information management device 1 manages the sales information transmitted from the store, and provides the credit card usage information by the customer to the credit card company at a predetermined timing and is necessary for the final settlement. Processing is performed (S221).

As described above, the customer can easily receive the refueling service based on the credit card information registered in advance without presenting the credit card one by one.
In addition, since setting information relating to refueling can be registered, it is convenient because it is not necessary to set a refueling method each time refueling.

In the above embodiment of the present invention, the CAT terminal 2d is provided separately from the POS terminal 2a in order to make a credit inquiry request. However, the configuration of the CAT terminal 2d may be incorporated in the POS terminal 2a.
In this case, as illustrated in FIG. 11, the POS terminal 2a includes a credit inquiry request function executed by the CAT terminal 2d as the credit inquiry unit 24. Based on the card information, the credit inquiry unit 24 transmits a credit request inquiry request to the credit information management device 3 and receives the result.

  The personal identification number registered in the transaction information storage unit 11 in the present embodiment authenticates the customer when the customer requests to change his / her information or when the use is restricted depending on the loss of the credit card or the like. Can be used for

  In the above embodiment, the card information transmitted and received between the transaction information management device 1, the store terminal 2, and the credit information management device 3 includes a credit card number and expiration date information. However, the present invention is not limited to this, and only the credit card number may be included or other necessary information may be included depending on the transaction arrangement.

DESCRIPTION OF SYMBOLS 1 Transaction information management apparatus 11 Transaction information storage part 12 Setting information storage part 13 Extraction process part 14 Communication process part 2 Store terminal 2a POS terminal 2b Reader 2c Oil supply machine 2d CAT terminal 21 Settlement process part 22 Communication process part 23 Input / output process part 24 Credit Inquiry Unit 3 Credit Information Management Device 31 Credit Information Storage Unit 32 Credit Acceptance Judgment Unit 33 Communication Processing Unit 4 IC Tag 41 Identification Information Storage Unit 42 Transmission / Reception Processing Unit 43 Information Processing Unit NW Network

Claims (7)

Credit information management device for granting credit approval for transactions by credit card, store terminal connected to a reader installed at a service station and reading information stored in an IC tag, and a transaction information management device for managing customer settlement Are configured to be able to communicate via a network,
A system for registering information for settling the price of a refueling service provided to a customer with identification information that can uniquely identify the customer stored in an IC tag,
The store terminal
Credit inquiry request transmitting means for transmitting the credit information card information of the credit card together with the credit inquiry request of the transaction by the customer's credit card to the credit information management device,
Judgment result receiving means for receiving from the credit information management device a result of judging whether credit is allowed for the transaction by the credit card;
Information reading means for reading the identification information from the IC tag by the reader;
Setting information receiving means for receiving input of setting information when refueling;
As a result of the credit inquiry, when credit for a transaction by the credit card is approved, transaction information transmitting means for transmitting the card information, the identification information, and the setting information to the transaction information management device;
Have
The transaction information management device
Transaction information receiving means for receiving the card information, the identification information, and the setting information from the store terminal;
Transaction information storage means for storing the received card information and the identification information in association with each other;
Setting information storage means for storing the received setting information and the identification information in association with each other;
The credit information management device is
Credit information storage means for storing the credit card credit information;
Credit inquiry request receiving means for receiving the card information together with the credit inquiry request for the transaction by the credit card from the store terminal,
Referring to the credit information storage means, based on the card information, a credit admissibility judging means for judging whether credit for a transaction by the credit card is possible;
A determination result transmitting means for transmitting to the store terminal a determination result of whether or not credit is allowed for the transaction by the credit card;
A transaction information registration system characterized by that. The store terminal
A password receiving means for receiving a password input from the customer;
The transaction information transmitting means transmits the card information, the identification information, the setting information, and the password to the transaction information management device,
The transaction information management device
The transaction information receiving means receives the card information, the identification information, the setting information, and the password from the store terminal,
The transaction information storage means stores the received card information, the identification information, and the password in association with each other;
The transaction information registration system according to claim 1. The reader activates a wireless function each time the identification information is read by the information reading means, receives and transmits radio waves for reading information stored in the IC tag, and reads information.
The transaction information registration system according to claim 1 or 2. The IC tag is attached to a key holder,
The transaction information registration system according to any one of claims 1 to 3. The IC tag is built in a mobile terminal used by the customer.
The transaction information registration system according to any one of claims 1 to 3. A credit information management device for providing credit information storage means for storing credit information of a customer's credit card, and providing credit approval for credit card transactions, and a reader installed in a service station for reading information stored in an IC tag Is connected to a store terminal and a transaction information management device that manages customer payments through a network.
A method for registering information for settling the price of a refueling service provided to a customer with identification information that can uniquely identify the customer stored in an IC tag,
The store terminal
A process for transmitting the credit card management information to the credit information management device together with the credit card transaction credit inquiry request;
A process for receiving from the credit information management device a determination result of whether or not the credit card transaction is allowed;
A process of reading the identification information from the IC tag by the reader;
A process of accepting input of setting information when refueling;
As a result of the credit inquiry, when credit for a transaction by the credit card is approved, a process of transmitting the card information, the identification information, and the setting information to the transaction information management device;
Run,
The transaction information management device
A process of receiving the card information and the identification information from the store terminal;
A process of associating the received card information with the identification information and storing them in a transaction information storage means;
A process of associating the received setting information with the identification information and storing the setting information in a setting information storage unit;
The credit information management device is
A process of receiving the card information from the store terminal together with a credit inquiry request for transactions with the credit card;
With reference to the credit information storage means, based on the card information, a process for determining whether or not the credit card transaction is allowed,
A process of transmitting a determination result of whether or not credit is allowed for the transaction with the credit card to the store terminal;
The transaction information registration method characterized by the above. A credit information management device for providing credit information storage means for storing credit information of a customer's credit card, and providing credit approval for credit card transactions, and a reader installed in a service station for reading information stored in an IC tag Connected to the store terminal and the transaction information management device for managing customer payments, a system configured to be able to communicate via a network,
A program for functioning as a transaction information registration system for registering information for settling the price of a refueling service provided to a customer with identification information that can uniquely identify the customer stored in an IC tag,
The store terminal
A process for transmitting the credit card management information to the credit information management device together with the credit card transaction credit inquiry request;
A process for receiving from the credit information management device a determination result of whether or not the credit card transaction is allowed;
A process of reading the identification information from the IC tag by the reader;
A process of accepting input of setting information when refueling;
As a result of the credit inquiry, when credit for a transaction by the credit card is approved, a process of transmitting the card information, the identification information, and the setting information to the transaction information management device is executed.
The transaction information management device
A process of receiving the card information, the identification information, and the setting information from the store terminal;
A process of associating the received card information with the identification information and storing them in a transaction information storage means;
A process of associating the received setting information with the identification information and storing the setting information in a setting information storage unit;
The credit information management device is
A process of receiving the card information from the store terminal together with a credit inquiry request for transactions with the credit card;
With reference to the credit information storage means, based on the card information, a process for determining whether or not the credit card transaction is allowed,
A process of transmitting a determination result of whether or not credit is allowed for the transaction by the credit card to the store terminal;
Computer program.

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