JP2017117387A - Settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement system that allows a customer to do their shopping overseas safely and easily.SOLUTION: A settlement system includes: a first country server 6 for obtaining shopping information on shopping which a customer did in a first country from a store settlement terminal; a second country server 7 for obtaining the shopping information; and a customer transaction bank server 8 in a customer's bank for obtaining the shopping information and performing settlement processing of the shopping. The second country server 7 obtains settlement information from the customer transaction bank server 8 and transmits the settlement information to at least a mobile terminal 3 of the customer. The mobile terminal 3 can display payment information by currency of the second country if payment by the settlement processing is performed normally.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a payment system in which a customer who visits from a second country having a currency different from that of the first country can shop using the mobile terminal in the first country.

  Conventionally, payment using a portable terminal such as a mobile phone or a smartphone owned by an individual is known as a simpler payment method than a card payment such as a credit card or a debit card. In such a so-called mobile payment, a customer can shop at a store without carrying a credit card.

  For example, in the credit settlement method described in Patent Document 1, the application software of the mobile terminal requests the customer to input a password, and transmits the input password and the individual number of the mobile terminal to the mobile carrier server as customer information. In the mobile carrier server, a customer information database for authenticating a customer who is the owner of the mobile terminal is constructed, and the customer information received from the mobile terminal is checked against the customer information database to authenticate the customer.

  The portable terminal displays the credit card information received from the portable carrier server on the liquid crystal screen as a QR code (registered trademark). And this is read by the QR code reader of the store terminal, credit settlement is performed, and finally the credit usage information is transmitted to the customer's mobile terminal (paragraphs 0020 to 0026, FIGS. 2 and 3).

JP 2012-083913 A

  However, when shopping overseas using the above-mentioned settlement method, it is necessary to access the server in the home country across the border, so it is not possible to easily shop with a mobile terminal. Even when there is a payment environment using mobile devices, especially in countries that use different languages and currencies, customers can rest assured that accurate payment information can be obtained and the security of the payment system is not guaranteed. I can't shop.

  The present invention has been made in view of such circumstances, and an object of the present invention is to provide a settlement system that allows customers to shop safely and easily overseas.

  The payment system of the present invention is a payment system in which a customer visiting from a second country having a different currency from the first country can make a purchase using a mobile terminal in the first country. A store settlement terminal in each store in one country and capable of reading the authentication code output by the mobile terminal; a first country server for obtaining shopping information including the authentication code from the store settlement terminal; and the first country A second country server that acquires the shopping information from a server, and a customer of a customer transaction bank that acquires the shopping information from the second country server and performs shopping settlement processing, and a customer visiting from the second country deals with A transaction bank server, wherein the first country server encrypts the authentication code and communicates with the second country server, and the second country server receives a result of the payment process from the customer transaction bank server. Settlement information for The payment information is transmitted to at least the portable terminal, and the portable terminal can display the payment information in the currency of the second country when the payment by the payment process is normally performed. It is characterized by.

  In the present invention, when a customer who visits from a second country (for example, China) having a different currency makes a purchase in the first country (for example, Japan), it is output to the customer's mobile terminal by the store settlement terminal in each store. Authentication code (for example, various information included in the QR code) is read. Thereby, after that, the shopping information including the authentication code passes through the first country server (A company settlement server described later) and the second country server (B company settlement server described later), and the second country side customer transaction bank. Sent to the server. Here, since the first country server encrypts the authentication code and communicates with the second country server, the risk of shopping information being stolen during communication is low, and security at the time of settlement is kept high. The first country server preferably communicates with the store settlement terminal by encrypting various information.

  Moreover, since the second country server acquires the payment information from the customer transaction bank server and transmits it to the mobile terminal of the customer, the mobile terminal can check the payment information. In particular, if the payment process is successful, the payment information such as the amount debited in the currency of the second country (for example, RMB) is displayed on the mobile terminal, so the customer can feel safe in the first country. You can shop.

  In the payment system of the present invention, the second country management company of the second country management company transaction bank that receives the payment instruction for payment in the currency of the second country from the customer transaction bank server and that is traded by the management company of the second country Receiving a deposit instruction in the currency of the first country from the second country management company transaction bank server after the exchange rate is converted from the currency of the second country to the currency of the first country, The first country bank server of the bank of the first country, the first country management company transaction bank server of the first country management company transaction bank that the management company of the first country trades, and the store where the shopping was performed deals. A transaction bank server of the transaction bank, and the first country server sends remittance to the first country bank server to the first country management company transaction bank server and the transaction bank server. The first country Line server, when receiving the remittance instructions from the first country server, it is preferable to send money to the first country management company traded bank and the store transaction bank.

  In the present invention, when the second country management company transaction bank server receives a payment instruction for settlement in the currency of the second country from the customer transaction bank server, it is stored in the account of the second country management company transaction bank (company B transaction bank described later). Is paid in the currency of the second country. After the exchange rate conversion is performed, when the first country bank server receives a payment instruction for settlement in the currency of the first country from the second country management company transaction bank server, the first country bank (Company A described later) The account of the trust bank) is paid in the currency of the first country.

  Thereafter, when receiving a remittance instruction from the first country server, the first country bank server remits money to the first country management company transaction bank (A company transaction bank described later) and the store transaction bank based on the instruction. . Here, in the first country bank, the funds stored in the account are safely managed separately from the first country management company, for example, by the operation of the trust bank. Thereby, especially the store transaction bank of each store can receive payment of shopping reliably.

  In the payment system of the present invention, all payment information is stored in the first country database of the first country server, and the store server of each store in the first country is stored in the first country database. Of the payment information, it is preferable to be able to access the payment information made at the store.

  In the present invention, all settlement information is stored in the first country database on the first country side. Then, each store in the first country can access the payment information made in its own store using the Internet, for example, by using the Internet (the so-called cloud). management). As a result, each store can make a sales strategy by analyzing payment information without worrying about differences in language and currency.

  Moreover, in the payment system of the present invention, it is preferable that the store information of each store in the first country is notified to the mobile terminal of each customer via the social network system.

  The store information of each store in the first country is, for example, bargain information or coupons, and may be provided by a management company in the first country or provided by each store. The store information is notified to each customer's mobile terminal via the social network system, so that the customer can easily obtain various information or transmit it to others. This provides certain benefits for both customers and stores.

  In the payment system of the present invention, the payment system includes a printer connected to the store payment terminal and capable of printing a shopping receipt, and an identification code for obtaining a shopping transaction number is printed on the receipt. It is preferable that the refund processing can be performed by reading the printed identification code and specifying the shopping settlement processing by the store settlement terminal.

  In the present invention, there is a printer connected to a store settlement terminal and capable of printing a shopping receipt. The receipt printed by the printer is printed with an identification code (for example, a QR code or a barcode) for acquiring a shopping transaction number. Since the store payment terminal can identify the customer's payment process by reading the identification code, the refund process can easily proceed.

  In the payment system of the present invention, when the language of the second country is different from the language of the first country, it is preferable that the process using the store payment terminal can be displayed in both languages.

  When the language of the second country is different from the language of the first country (for example, Japanese), the process using the store settlement terminal can be displayed in both languages. As a result, if the store settlement terminal is viewed, it is easy for customers in the second country to understand information such as whether processing currently being performed or payment has been completed.

  ADVANTAGE OF THE INVENTION According to this invention, a customer can pay for shopping abroad safely and easily.

The figure explaining the outline | summary of the payment system which concerns on embodiment of this invention. The figure explaining the process after the payment of the payment system which concerns on embodiment of this invention. The sequence diagram explaining the flow of the information at the time of the payment process of a payment system. The figure explaining the flow of the money at the time of the payment process of a payment system. The sequence diagram explaining the flow of the information at the time of refund process of a payment system.

  First, the outline | summary of the payment system 1 of one Embodiment of this invention is demonstrated.

  FIG. 1 is a diagram showing the work of a customer and a store clerk performed in a store in this payment system 1. For example, when a customer visiting from China (example of “second country” of the present invention) purchases a product in order to shop at an electric mass retailer in Japan (example of “first country” of the present invention) The store clerk of the store uses the store settlement terminal 2 to start shopping settlement processing.

  The store settlement terminal 2 is a tablet PC that is mainly portable and adopts a touch panel method, and needs to incorporate a camera. When starting the shopping settlement process, the store clerk activates the store-side settlement application of the store settlement terminal 2 and selects “settlement” from the screen shown in FIG.

  Thereafter, the store settlement terminal 2 is switched to the screen shown in FIG. 1B, and the store clerk inputs the amount of the product purchased by the customer. At this time, the store clerk inputs the amount in Japanese yen. When the customer confirms the payment amount (12,800 yen in this case) displayed on the store settlement terminal 2, the customer starts preparation for payment with his / her mobile terminal 3.

  Here, on the screen of the store settlement terminal 2, the amount of Chinese yuan (hereinafter referred to as Yuan) may be displayed together with the exchange rate of the day. The display on the left side of the screen in FIG. 1B is “product category”, and information is stored in the database when the store clerk selects the product item purchased by the customer this time. This information can be used when each store examines customer consumption trends or makes a sales strategy.

  Next, the customer activates a customer-side payment application having a so-called “wallet mobile phone” function on the mobile terminal 3 owned by the customer. The mobile terminal 3 is mainly a mobile phone or a smartphone, but a mobile device such as a tablet PC can also be used.

  The customer selects one pre-registered account of a Chinese bank (“customer bank” of the present invention) using the customer-side payment application. As shown in FIG. 1A, a plurality of bank accounts can be registered, and the bank accounts can be switched according to the product to be purchased and the payment amount.

  When the customer selects one bank account, the mobile terminal 3 switches to the screen shown in FIG. As shown in the figure, a bar code and a QR code (“identification code of the present invention” are displayed on the screen of the mobile terminal 3. Each code mainly includes information on a bank account selected by the customer. In the following, the case of a QR code will be described, since the QR code is encrypted on the network, the risk of information being stolen is very low.

  To supplement the QR code, it has the same function as a one-time password and is generated without connecting to the Internet or inquiring a server. The QR code displayed on the screen of the mobile terminal 3 is updated every 60 seconds, for example, and is also updated when the customer touches or slides the screen. That is, even if the QR code used for the previous shopping is acquired by a third party, it cannot be used again. Therefore, the settlement system 1 can be used with great peace of mind for customers.

  Next, the store clerk reads the QR code with the camera of the store settlement terminal 2 as shown in FIG. Although details will be described later, authentication proceeds as a result of this work, and if a balance more than the payment amount remains in the bank account selected by the customer, the amount is immediately debited (debit payment method).

  Thereafter, a message indicating that the payment has been completed is displayed on the screen of the store payment terminal 2. Specifically, as shown in FIG. 1D, the payment date and time (Japan time), the payment amount, and the transaction number are displayed as the payment contents. In addition, a message “Successfully attached” is displayed in Chinese so that the customer can check the end of the payment process by looking at the screen of the store payment terminal 2.

  Since the store settlement terminal 2 is basically a tool used by store clerk, it is displayed in Japanese (see FIGS. 1 (A) and 1 (B)). In each process using the payment terminal 2, an explanation in Chinese may be displayed. As described above, the store settlement terminal 2 functions as a communication tool between a store clerk and a customer who are not necessarily fluent in foreign languages, and therefore preferably covers major languages.

  Finally, the customer's mobile terminal 3 is notified that the payment process has been completed, and the amount of money withdrawn from the bank account is displayed on the screen of the mobile terminal 3. Here, since the customer bank is in China, the settlement is processed in the original. Therefore, as shown in FIG. 1C, the original amount (¥ 673.6) is displayed. As a result, it is very easy for the customer to understand how much he / she used for this shopping.

  Supplementing the customer-side payment application used by the customer at the time of payment, this is an application that can be used on a social network system (hereinafter referred to as SNS). As an advantage, the customer can easily obtain store information and bargain information provided directly from a Japanese payment management company or each store through SNS.

  In addition, the customer can exchange various information with friends using the chat function of SNS. In addition to this, customers can receive benefits such as shopping support services such as translation of product information and price information, and shopping using the distributed coupons. There are certain benefits that can be expected.

  A customer may have both a smartphone and a tablet PC as a mobile terminal, but if an individual is identified by correctly entering an SNS ID, the customer-side payment application is activated on any terminal. be able to. Even when the mobile terminal is replaced, broken or lost, the payment system 1 can be used simply by re-installing the customer-side payment application, and there is an advantage that it does not depend on hardware.

  Next, the post-settlement processing of the settlement system 1 will be described with reference to FIG.

  When the payment for the purchase is completed, the customer receives a receipt for the current purchase from the store clerk. Of course, it is up to the customer to receive the receipt or not, but since the receipt is used in the refund process described later, the customer should receive and store the receipt.

  FIG. 2 (A) is a payment completion screen of the store payment terminal 2 shown in FIG. 1 (D), and a “print” button is prepared in the screen. When the clerk selects “print”, the screen is switched to the screen shown in FIG.

  FIG. 2B is a printer selection screen of the store settlement terminal 2. A printer 4 for receipt printing is connected to the store settlement terminal 2 by short-range wireless communication such as Bluetooth (registered trademark) (see FIG. 2A). Since a plurality of customers may shop at the same time zone, a plurality of printers can be connected to one store settlement terminal 2. When printing a receipt, a printer that is not currently used is searched and one printer is selected.

  When the clerk selects “print” on the screen shown in FIG. 2B, the screen is switched to the screen shown in FIG. Here, the contents of the settlement are displayed again, and “Printing is complete” is displayed in Japanese.

  Thereafter, the customer receives the receipt 5 output from the printer 4 (see FIG. 2B). The receipt 5 is mainly printed with a store name, use date and time (Japan time), terminal number, transaction number, amount, and QR code. Note that the use date, transaction number, and amount are the same as the contents displayed on the screen of the store settlement terminal 2 (see FIG. 2C).

  The QR code printed on the receipt 5 only needs to be given a code for inquiring and confirming the transaction content such as the purchased product and the amount of money. The QR code displayed on the screen of the mobile terminal 3 at the time of shopping It doesn't have to be the same. Although details will be described later, in the refund process in which the merchandise purchased by the customer is returned and the payment amount is returned, the store settlement terminal 2 reads the QR code. As a result, the current payment process can be easily specified, and the refund process can proceed smoothly.

  In addition, below the “Customer Copy” in Receipt 5, the Japanese word “You will need this copy when refunding” and the same Chinese notation ( Offer this vote. ”) Is described. Thus, since the receipt 5 also includes Chinese notation, it is easy for the customer to understand and serves as a reminder of loss. When the store clerk selects “Done” on the screen shown in FIG. 2C, the series of payment processing is completed.

  Next, with reference to FIG. 3, the flow of information will be mainly described for the payment processing of the payment system 1. Here, as described in the above example, assuming that Japan is the first country and China is the second country, each process ((1) to (12) in the figure) related to information handled in the settlement process will be described.

(1) Payment amount input The store clerk uses the store settlement terminal 2 to input the amount of the product purchased by the customer. Here, the amount (payment amount) is entered in yen.

(2) QR code (bar code) display The customer uses his / her mobile terminal 3 to select a bank account from which the payment amount is deducted. Thereby, the QR code is displayed on the screen of the mobile terminal 3. Since a barcode is displayed simultaneously with the QR code, a barcode may be used.

(3) Obtaining an authentication code from the QR code The store clerk reads the QR code displayed on the screen of the mobile terminal 3 using the camera of the store settlement terminal 2. Thereby, the store settlement terminal 2 acquires an authentication code (bank account information, etc.).

(4) Settlement request processing 1
The store settlement terminal 2 is a company A settlement server 6 that manages the settlement in Japan with the transaction number of the current shopping, the terminal number of the mobile terminal 3 used, the authentication code, the payment amount (yen), and the merchandising category. To “first country server”). These pieces of information are stored in a database (company A transaction details database 6b described later) of the company A settlement server 6.

(5) Settlement request processing 2
The company A settlement server 6 stores the transaction number, the authentication code, and the payment amount (yen) in the information transmitted from the store settlement terminal 2 with the company B settlement server 7 that manages the settlement in China (the “second country of the present invention”). Server "). Note that these pieces of information are stored in a database (company B transaction details database 7b described later) of the company B settlement server 7 across the border.

  Here, Company A settlement server 6 is connected to Company B settlement server 7 via a dedicated Internet line, and cannot communicate with any server other than Company B settlement server 7 (what is store settlement terminal 2?). Communication possible). As a result, information relating to the customer's shopping is not erroneously transmitted to another server, and a highly secure transaction is possible.

(6) Authentication process The company B settlement server 7 acquires from the authentication code the name holder (customer), the name of the bank selected for payment, and the bank account number. The B company settlement server 7 also checks whether the bank account has a predetermined balance (account information).

(7) Settlement request processing 3
The B company settlement server 7 transmits the account information and the payment amount (yuan) to the customer transaction bank server 8 of the customer transaction bank where the customer trades in China. Here, the payment amount (yuan) is the amount converted from the yen converted at the exchange rate of the day.

(8) Judgment processing The customer transaction bank server 8 inquires about the balance of the bank account of the customer transaction bank and performs settlement processing. Specifically, if a balance equal to or greater than the payment amount (yuan) remains, a remittance notice is sent to the B company transaction bank server (“second country management company transaction bank server” of the present invention). Also, if there is no balance remaining over the payment amount (yuan) (insufficient balance), it cannot be withdrawn, so settlement cancellation information is transmitted.

  If the balance remains, the purchase payment amount (yuan) is withdrawn immediately, but the flow of funds will be described in detail later. Note that the information on the settlement process regarding whether or not remittance is possible is stored in the database of the B company settlement server 7.

(9) Settlement result notification 1
The B company settlement server 7 transmits the result of the current settlement to the mobile terminal 3 of the customer and notifies it. As a result, the settlement result is displayed on the screen of the portable terminal 3 (see FIG. 1C), and the customer can recognize that the settlement has been completed successfully.

(10) Settlement result notification 2
The B company settlement server 7 transmits the result of the current settlement to the A company settlement server 6 and notifies it. Note that the settlement result information is stored in the database of the A company settlement server 6 across the border.

(11) Settlement Return Processing Company A settlement server 6 transmits a transaction number, a payment amount (yen), a status code, and a settlement code for printing to store settlement terminal 2. Thereby, a payment result display is performed on the screen of the store payment terminal 2 (see FIG. 1D). The status code is, for example, a code that defines the success of the payment process as “1” and the failure as “0”, and outputs a specific display on the screen of the store payment terminal 2 based on this code. The printing settlement code is a code necessary for printing the receipt 5.

(12) Receipt Print Processing The store clerk uses the store settlement terminal 2 to print the details of the settlement processing (store, date and time, terminal number, amount), transaction number, and QR code using the printer 4, and the receipt 5 (See FIG. 2 (b)). In the refund process, it is easiest to read the QR code printed by the store settlement terminal 2, but the settlement process can also be specified from the transaction number. Thereby, a series of payment processing by the payment system 1 is completed.

  Next, with reference to FIG. 4, the flow of funds is mainly demonstrated about the payment process of the payment system 1. FIG. Unlike Figure 3, China (second country) is shown on the left side of the border and Japan (first country) is shown on the right side of the border, but funds flow from the Chinese side to the Japanese side.

  First, the customer's transaction bank account 8a is immediately credited to the B company transaction bank account 9a (original account) based on the shopping payment amount. This payment is made after the customer transaction bank server 8 notifies the B company transaction bank server 9 of the remittance as described above.

  Next, the exchange of currency exchange is performed in the B company transaction bank account 9a. For example, the yuan is converted into yen at the exchange rate of midnight. The B company bank account 9a has a former account and a yen account, and the next day, the funds are transferred from the former account to the yen account. As a result, preparation for remittance from the B company transaction bank account 9a to the Japanese bank is made.

  The company B management system 7a of the company B settlement server 7 issues a remittance instruction to the company B bank account 9a when a predetermined condition is established. The B company management system 7a manages the settlement processing data (transaction details) in the B company transaction details database 7b. For example, when the balance of the yen account exceeds 600,000 yen, remittance to the B company transaction bank account 9a Give instructions. The B company transaction bank account 9a deducts the amount of fees for a series of operations, which is the profit of B company.

  Next, the funds transferred from the B company transaction bank account 9a (yen account) are deposited into the A company trust bank account 10a. And the A company trust bank account 10a transfers the payment amount (yen) of the shopping into the store transaction bank account 11a of the store transaction bank once, for example, at the end of the month. In addition, since the settlement processing in Japan is the work of Company A, Company A's trust bank account 10a has a commission amount of Company A's transaction bank ("First Country Management Company Transaction Bank" of the present invention) It is transferred to the bank account 12a, and a predetermined fee is also generated by processing by the trust bank A company.

  Here, the company A management system 6a of the company A settlement server 6 receives the transaction details (yen) data from the company B management system 7a. The company A management system 6a manages the transaction details (yen) data in the company A transaction details database 6b ("first country database" of the present invention), and can calculate the transfer amount and fee. As for the flow of information, the A company trust bank server 10 of the A company trust bank (the “first country bank server” of the present invention) receives a transfer instruction (remittance instruction) from the A company management system and stores in the store bank. A transfer is notified to the bank server 11. In addition, the A company trust bank server 10 receives a fee transfer instruction and issues a transfer notification to the A company transaction bank server 12 of the A company transaction bank.

  The payment information stored in the A company payment server 6 (A company management system 6a) can be accessed and confirmed from the A company trust bank server 10 and the store transaction bank server 11. Further, if the store 13 'determines that the amount transferred to the store transaction bank is less than the scheduled transfer amount, the store 13' can inquire directly to the company A management system 6a and have the additional amount transferred later. be able to.

  It is possible to use an ordinary bank account instead of the A company trust bank account 10a. However, if it is possible for the company A to manage the funds of the account relatively freely, the transfer may be delayed due to circumstances or a large fee will be charged. There is also a risk of taking it. For this reason, by adopting a trust bank in which the deposited funds are securely preserved and managed, it is a system that can be operated with peace of mind especially for each store.

  In the settlement system 1, the Japanese company A trust bank is surely delivered to the store transaction bank account 11 a when the funds transferred from the company B bank account 9 a in China are stored in the company A trust bank account 10 a. Is outsourced.

  The amount of shopping payments finally transferred to the store bank account 11a is deducted from the fees (for example, about 3% in total) of Company A managing payments in Japan and Company B managing payments in China. Amount of money. However, because it is denominated in yen, there is no exchange fee or exchange loss at each store.

  Finally, to supplement the Company A management system, the store server 13 of the store (member store) 13 'accesses the payment information managed in the cloud in the Company A transaction details database 6b of the Company A management system using the Internet. It is possible. The payment information includes information such as sales by store, sales by terminal, transaction history, product management, and the like, and the store 13 'can view the payment information performed at its own store. As a result, each store can grasp the consumption trend of customers visiting Japan from overseas and use it to make a sales strategy.

  Next, with reference to FIG. 5, the flow of information will be described for the refund process of the payment system 1. FIG. Here, each process ((1) to (11) in the figure) related to information handled in the refund process will be described.

(1) Receipt presentation The customer presents the receipt 5 printed with the QR code, which is given by the store clerk when the settlement of shopping is completed. Refund processing is also possible with the transaction number printed on the receipt 5.

(2) Acquisition of transaction number from QR code The store clerk activates the store-side payment application and selects “refund” from the initial screen (see FIG. 1A). Further, the QR code printed on the receipt 5 is read using the camera of the store settlement terminal 2. Thereby, the store payment terminal 2 acquires the transaction number of shopping, and the payment process is specified. If there is no receipt 5, the store clerk inputs the transaction number remaining in the shopping history of the customer's mobile terminal 3 to the store settlement terminal 2.

(3) Refund request processing 1
The store settlement terminal 2 transmits the transaction number, the refund processing number, and the terminal number of the portable terminal 3 used for shopping to the A company settlement server 6. These pieces of information are stored in the database of the company A settlement server 6.

(4) Refund request processing 2
The company A settlement server 6 transmits the return amount (yen) to the company B settlement server 7 in addition to the transaction number and the refund processing number transmitted from the store settlement terminal 2. These pieces of information are stored in the database of the B company settlement server 7 across the border.

(5) Authentication processing The company B settlement server 7 acquires a holder, a bank name, an account number, and a refund amount (yuan) as transaction information from the transaction number. Further, the B company settlement server 7 confirms the balance (account information) in the bank account.

(6) Refund request processing 3
The B company settlement server 7 transmits the account information and the refund amount (original) to the B company transaction bank server 9.

(7) Refund processing The B company transaction bank server 9 performs refund processing. Specifically, after the B company transaction bank server 9 gives a refund notification to the customer transaction bank server 8, the refund amount is returned from the B company transaction bank account 9a to the customer transaction bank account 8a. The information on the refund result is stored in the database of the B company settlement server 7.

(8) Notification of refund result 1
The B company settlement server 7 transmits the result of the current refund process to the mobile terminal 3 of the customer and notifies it. Thereby, a refund result is displayed on the screen of the mobile terminal 3. However, this is a notification that the refund process has been completed successfully, and it takes several days for the refund amount to be returned to the customer transaction bank account 8a.

(9) Refund result notification 2
The B company settlement server 7 transmits the current refund result to the A company settlement server 6 and notifies the same. Information on the refund result is stored in the database of the company A settlement server 6 across the border.

(10) Refund return process The company A settlement server 6 transmits the current refund result to the store settlement terminal 2. Thereby, a refund result display is performed on the screen of the store settlement terminal 2.

(11) Refund information printing process The store clerk uses the store settlement terminal 2 to print the details of the current refund using the printer 4. Thereby, a series of refund processing by the payment system 1 is completed.

  As described above, the payment system 1 includes a company A payment server 6 that acquires shopping information related to shopping performed by a customer in the first country from the store payment terminal 2, and a company B payment server 7 that acquires the shopping information. And a customer transaction bank server 8 of the customer transaction bank that acquires the shopping information and performs a settlement process for the shopping. The B company settlement server 7 acquires settlement information from the customer transaction bank server 8 and transmits the settlement information to the customer's mobile terminal 3. The mobile terminal 3 can display payment information in the currency of the second country when the payment by the settlement process is normally performed, so that the customer can shop overseas with peace of mind and ease.

  The above description is one embodiment of the present invention, and various other embodiments are possible. The first country and the second country may be any country. For example, if the first country is Japan and the second country is the United States, the language displayed on the portable terminal 3 is English and the currency is dollars.

  The store settlement terminal 2 may have various functions. For example, in the process of using the store payment terminal 2, a foreign language phrase corresponding to “payment has been completed” or “please wait for the receipt” will be stored in advance. Audio may be output at the end of each process. In addition, if the equivalent amount of the currency of the second country is displayed at the time of inputting the amount (yen) of the product purchased by the customer, the store settlement terminal 2 becomes a more convenient tool for the customer.

  Although the QR code has been described as an example of the authentication code of the payment system 1, a two-dimensional code other than the QR code or a (one-dimensional) barcode can also be used. In addition, although the payment method has been described as an immediate payment (debit payment method), a normal credit card such as VISA (registered trademark) or MasterCard (registered trademark) may be used. In the case of normal credit settlement, the scheduled withdrawal amount is displayed on the screen of the mobile terminal 3 when the settlement process is completed.

1 payment system 2 store payment terminal 3 mobile terminal (for customer)
4 Printer 5 Receipt 6 Company A payment server (first country server)
6a Company A management system 6b Company A transaction details database (first country database)
7 Company B payment server (second country server)
7a Company B management system 7b Company B transaction details database 8 Customer transaction bank server 8a Customer transaction bank account 9 Company B transaction bank server (second country management company transaction bank server)
9a Company B bank account 10 Company A trust bank server (first country bank server)
10a Company A trust bank account 11 Store transaction bank server 11a Store transaction bank account 12 Company A transaction bank server 12a Company A transaction bank account (first country management company transaction bank server)
13 store server 13 'store

Claims (6)

A payment system in which a customer who visits from a second country having a different currency from the first country can shop using a mobile terminal in the first country,
A store settlement terminal that is in each store in the first country and that can read the authentication code output by the mobile terminal;
A first country server for obtaining shopping information including the authentication code from the store payment terminal;
A second country server for obtaining the shopping information from the first country server;
A customer transaction bank server of a customer transaction bank that a customer visiting from the second country trades to acquire the shopping information from the second country server and perform shopping settlement processing;
The first country server communicates with the second country server by encrypting the authentication code;
The second country server acquires payment information for the result of the payment processing from the customer transaction bank server, and transmits the payment information to at least the mobile terminal,
The payment system, wherein the mobile terminal can display payment information in the currency of the second country when the payment by the payment process is normally performed. In the payment system according to claim 1,
A second country management company transaction bank server of a second country management company transaction bank transacting by the second country management company that receives a payment instruction for settlement in the currency of the second country from the customer transaction bank server;
After the exchange rate is converted from the currency of the second country to the currency of the first country, the bank of the first country receives a deposit instruction in the currency of the first country from the second country management company transaction bank server First country bank server,
A first country management company transaction bank server of a first country management company transaction bank that the first country management company transacts;
A store transaction bank server of a store transaction bank where the store where the purchase was made is transacted,
The first country server instructs the first country bank server to send a payment to the first country management company transaction bank server and the store transaction bank server.
When the first country bank server receives the remittance instruction from the first country server, the first country bank server remits money to the first country management company transaction bank and the store transaction bank. In the payment system according to claim 2,
All payment information is stored in the first country database of the first country server,
The settlement server of each store in the first country can access the settlement information made in its own store among the settlement information stored in the first country database. In the settlement system according to any one of claims 1 to 3,
Store information of each store in the first country is notified to each customer's mobile terminal via a social network system. In the settlement system according to any one of claims 1 to 4,
A printer connected to the store payment terminal and capable of printing a receipt for shopping;
The receipt is printed with an identification code for obtaining a shopping transaction number,
A payment system which enables refund processing by reading a printed identification code and specifying shopping payment processing by the store payment terminal. In the payment system according to any one of claims 1 to 5,
When the language of the second country is different from the language of the first country, the processing using the store payment terminal can be displayed in both languages.