JP2017191537A - Credit processing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow commission to an affiliated store to be changed depending on an amount of credit settlement at a time of credit settlement.SOLUTION: Affiliated store terminals 104A-104D transmit information such as an affiliated store terminal code, a credit card code, and a credit settlement amount to gateway servers 106X, 106Y. An affiliated store commission rate table is set to the gateway servers, and the gateway servers determines an affiliated store commission rate code set on the affiliated store commission rate table on the basis of the transmitted affiliated store terminal code and credit settlement amount, and provide affiliated store management servers 108X, 108J with the same. The affiliated store management servers obtain an affiliated store commission on the basis of an affiliated store commission rate identification code, calculate an affiliated store commission amount by multiplying the affiliated store commission rate by the credit settlement amount, calculate an affiliated store settlement amount by subtracting the affiliated store commission amount from the credit settlement amount, and perform transfer processing to affiliated store accounts 122a-122d at affiliated store settlement banks 112a-112d.SELECTED DRAWING: Figure 1

Description

The present invention relates to a credit processing device, and more particularly to a credit processing device for a member store.
More specifically, the present invention relates to a credit processing device that allows a member store to apply a fee that is advantageous to a member store to pay a member store management company.
More specifically, the present invention relates to a credit processing device that allows a member store to automatically apply an advantageous fee to a member store management company without changing the international brand system.

As a first conventional technique, in order to make a payment system that can flexibly respond to the willingness to pay the fee at the payment destination, the payment proxy server receives the payment information from the payment destination server and the payment information linkage means from the member terminal. Payment information calling means for calling payment information including payment amount information, usage fee calculation means for calculating a usage fee according to the payment amount indicated by the payment amount information included in the payment information, and payment amount Calculated by the combined amount calculation means, the combined amount calculation means for calculating the total amount of the usage fee, the credit amount means for checking the validity of the member's credit card, and the combined amount calculation means. Sales slip that divides the total amount into payment amount and usage fee and generates payment sales information indicating the payment amount and usage fee sales information indicating the usage fee associated with the payment sales information A credit card payment system that transfers a payment amount to a member by subtracting the fee from the payment amount when the payment processing is performed by credit. (See, for example, Patent Document 1).
As a second conventional technology, in order to be able to determine the fee for the use of a credit card of a shopper who uses a credit card to pay for the purchased product, the fee charge rate set for each product can be determined in advance. A credit fee is calculated for each product from the amount of each product registered for sale in a transaction where payment is made by credit and the credit fee charge rate of that product, and the credit fee for each product is added up to give a credit A credit card payment system that determines a fee for use is known (see, for example, Patent Document 2).

JP 2014-081726 (FIGS. 1-4, paragraph numbers 0006-0074) JP-A-2002-133530 (FIGS. 1 to 7, paragraph numbers 0004 to 0028)

In the first prior art, when making a credit settlement, a credit transaction price obtained by subtracting a predetermined fee is paid to a member store. The merchant fee charged to a merchant is fixed by the affiliated merchant management company (acquirer), and the merchant fee is generally based on the amount of credit payment that is generally used. It has been established. In that case, the merchant fee of the same rate must be paid regardless of whether the credit settlement amount is small or large. This is because each member store terminal installed at a member store has an individual member store terminal code, and the information such as the customer credit card code, the credit settlement amount, and the payment method is stored together with the member store terminal code. The data is transmitted from the terminal to the member store management server in the member store management company via the gateway server, and the member store settlement process and the user settlement process are performed. Accordingly, when a common member store terminal is used, one member store fee rate is applied to one member store management company.
However, if the credit settlement amount exceeds a predetermined amount, the fee paid by the member store to the member store management company may be different. In that case, since it is not possible to use a common member store terminal in the member store, and it is necessary to use a different member store terminal for each fee, it is cumbersome, the introduction cost becomes expensive, There is a problem that an advantageous fee is not applied when a wrong member terminal is used.
The second prior art provides a credit processing apparatus that can determine a fee for use of a credit card of a shopper who uses a credit card to pay for the purchased product based on a fee billing rate set for each product. Set the charge rate for the fee for credit usage for each product, calculate the credit fee for each product from the amount of each product registered for sale in the transaction for credit settlement and the credit fee charge rate of the product, The credit fees for each transaction are determined by adding the credit fees for each transaction. That is, the second prior art is a technical idea of setting a credit usage fee for a customer who is a credit card holder for each product, and does not set a fee for a member store in accordance with a certain condition. Therefore, a unique fee (rate) is imposed at the member store regardless of the amount of credit settlement processing, and there is a problem that the member store cannot carry out sales promotion activities with flexible pricing.

  The first object, which is the basic object of the present invention, is to make it possible to change the credit sales fee for member stores in accordance with the credit settlement conditions when performing credit settlement, thereby providing a flexible sales promotion measure for goods and services. It is to provide a credit processing device that is easy to use at member stores by incorporating it.

In order to achieve this object, the first invention according to claim 1 is configured as follows.
At least the member store terminal code and the credit settlement amount are transmitted from the member store terminal to the member store management server via the gateway server, and the credit settlement is performed on the member store account in the member store settlement bank in the member store management server. A credit processing device for a merchant that performs credit sales settlement for a merchant by subtracting the merchant fee from the amount,
The gateway server is
Multiple memberships associated with credit card payment terms, including at least one of credit payment amount, credit payment method, international brand, card issuer, or card grade associated with the merchant terminal code A merchant fee rate table with a merchant fee rate identification code representing the store fee rate,
The member store terminal code and the credit settlement amount transmitted from the member store terminal are compared with the member store terminal code and the credit settlement condition set in the member store fee rate table to correspond to these member stores. A fee rate identification code specifying means for specifying the fee rate identification code and providing at least the specified member store fee rate identification code and the credit settlement amount to the corresponding member store management server;
The member store management server calculates a member store fee based on a member store fee rate identification code provided from the gateway server, and subtracts the calculated member store fee from the received credit settlement amount. The credit processing apparatus is characterized in that a transfer process is performed for a member store account in the member store settlement bank.

The second invention is a credit processing device characterized in that the member store fee rate table in the first invention is changed to a member store fee table.

A third invention is a credit processing apparatus characterized in that the credit settlement condition in the first invention is a credit settlement amount.

A fourth aspect of the invention is a credit processing apparatus characterized in that the credit settlement condition in the first aspect is a credit payment method.

A fifth invention is a credit processing apparatus characterized in that the credit settlement condition in the first invention is an international brand or a card issuing company.

A sixth aspect of the invention is a credit processing apparatus characterized in that the credit settlement condition in the first aspect is an international brand or a card grade at a card issuing company.

In the seventh invention, the credit settlement condition in the first invention is a combination of at least two of a credit settlement amount, a credit payment method, an international brand, a card issuing company, or a card grade in an international brand or a card issuing company. This is a credit processing device.

According to an eighth aspect of the present invention, the credit settlement conditions in the first invention are a credit settlement amount and other credit settlement conditions in the credit payment method, international brand, card issuing company, or international brand or card issuing company. A credit processing apparatus including at least one of card grades.

  In the first invention, when performing credit settlement, at least a member store terminal code, a credit card code, a credit settlement amount, a payment method, and / or a password code are input from a member store terminal in a member store. Sent to the gateway server. After the credit at the card issuing server, the gateway server identifies the fee rate stored in the member store fee rate table based on the member store terminal code and the credit settlement conditions, and at least the member store representing the fee rate. A fee rate identification code, a credit card code, and a credit settlement amount are transmitted to the corresponding member store management server. The member store management server obtains the member store fee rate from the member store fee rate identification code, and subtracts the member store fee obtained by multiplying the credit settlement amount by the member store fee rate. Transfer money to the settlement bank member store account. For example, if the credit settlement amount is less than 1 million yen, the member store fee rate at the member store management company is 5%, and if it is 1 million yen or more, it is 3%. If it is less than JPY 1 million or more than JPY 1 million, if it is less than JPY 1 million, a merchant fee rate identification code that represents a 5% commission rate, together with at least the credit settlement amount, the relevant merchant management Sent to the company's member store management server. The member store management server obtains the member store fee rate from the member store fee rate identification code transmitted from the gateway server, multiplies the credit settlement amount to calculate the member store fee, and calculates the member store fee from the credit settlement amount. The member store settlement amount after subtracting the fee is transferred to the member store account in the member store settlement bank designated by the member store. Therefore, since it is possible to use an inexpensive member store fee specified by the gateway server in accordance with the credit settlement amount, the flexibility of the sales promotion measure is improved, so that the first object of the present invention can be achieved. . Further, according to the first invention, since the fee rate set in the member store fee rate table may be changed, when changing the member store fee, the number of changes is small and the member store fee can be easily changed. There are advantages.

In the second invention, the member store fee rate in the first invention is changed to a member store fee. Even if it is changed to the member store fee, the same effect as the first invention can be obtained.

In the third invention, the credit settlement condition in the first invention is limited to the credit settlement amount. Therefore, since the third invention performs the same operation as the first invention, there is an advantage that the first object can be achieved.
Furthermore, in the third invention, when performing the credit settlement, the credit settlement amount is used as the credit settlement condition. In determining the merchant fee, the credit settlement amount as a consideration for the goods or services has been conventionally used, so that the merchant has a convincing value and is easy to accept.

In the fourth invention, the credit settlement condition in the first invention is limited to the credit payment method. Therefore, since the third invention performs the same operation as the first invention, there is an advantage that the first object can be achieved.
Further, a credit payment method is used as a credit settlement condition. Credit payment methods include at least one payment that is completed in one payment process, installment payment that is completed in multiple payment processes, or revolving payment that is divided into multiple payments and pays a predetermined amount every month. The card issuer can set the merchant fee lower because the higher the number of payments, the higher the revenue of the user fee. For example, the merchant fee rate can be set to 5% for one-time payments, 4% for installment payments, and 3% for revolving bill payments. Therefore, the member store can effectively set a sales promotion measure based on the payment method of the user's credit settlement amount.

  In the fifth invention, the credit settlement condition in the first invention is limited to an international brand or a card issuing company. Therefore, since the third invention performs the same operation as the first invention, there is an advantage that the first object can be achieved. In the fifth invention, an international brand or a card issuing company is used as a credit settlement condition. In member stores, international brands to which they belong may be more advantageous in member store fees. For example, if a user uses one international brand credit card, the merchant fee rate is 5% .If the user uses an international brand credit card issued by another self, the merchant fee rate is 4%. Can be set to%. Further, a card issuing company can be used as a credit settlement condition. For example, a card issuer may set a merchant fee rate that is more advantageous than others. Therefore, the member store can effectively carry out sales promotion measures utilizing the international brand or card issuing company used by the user.

  In the sixth invention, an international brand or a card grade at a card issuing company is used as a credit settlement condition. In member stores, it may be advantageous to make a credit sales settlement with a card grade at a specific international brand or card issuer. For example, if an international brand or card issuing company also has a member store management function, if the user uses the lowest-class credit card in the international brand or card issuing company, the member store commission rate is 5% and the user is international When using an intermediate card grade credit card at a brand or card issuer, the merchant fee rate is set to 4%. When using an international brand or card issuer top class credit card, the merchant fee rate is set to 3%. can do. Accordingly, the member store can effectively carry out sales promotion measures based on the international brand used by the user or the card grade of the card issuing company.

In the seventh invention, the credit payment condition in the first invention is limited to at least two combinations of credit payment amount, credit payment method, international brand or card issuer, or card grade. Therefore, since the seventh invention performs the same operation as the first invention, there is an advantage that the first object can be achieved.
Further, in the seventh invention, when performing the credit settlement, at least two of the credit settlement amount, the credit payment scheme, the international brand or the card issuing company, or the card grade are used in combination as the credit settlement conditions. For example, at a merchant, it may be advantageous to make a credit sales settlement based on card grades at a particular international brand or card issuer. Specifically, if the user uses a credit card of the lowest class in a specified international brand or card issuer, and if the payment method is one payment, the merchant fee rate is 5% and the user Use a middle-class credit card of the brand or card issuer, and if the payment method is installment payment, use a 4% franchise commission rate, use a credit card of the highest grade of international brand or card issuer, and If the payment method is revolving, the merchant fee rate can be set to 3%. Therefore, the member store has an effect of being able to carry out sales promotion measures based on the international brand used by the user or the card grade of the card issuing company and the payment method.

In the eighth invention, the credit settlement condition in the first invention is determined by at least one of the credit settlement amount and other credit payment methods, international brands or card issuers, or card grades. Therefore, since the eighth invention performs the same operation as the first invention, there is an advantage that the first object can be achieved.
Furthermore, in the eighth invention, when performing the credit settlement, the credit settlement amount as a credit settlement condition and other credit settlement conditions, such as a credit payment method, an international brand or a card issuing company, or a card grade The member store fee rate code is determined using at least one of the above, and the member store management server determines the member store fee based on the member store fee rate code. In a member store, it may be advantageous to determine a member store fee based on the credit settlement amount and other credit settlement conditions. For example, if the credit settlement amount is 1 million yen or more, but revolving payment is used as the payment method, the member store fee rate at the member store management company is 3% and the payment amount is 1 million yen or more. If you pay in installments, the merchant fee rate is 4%. If you pay more than 1 million yen, you can set the merchant fee rate to 5% if you pay only once. In general, there is an advantage that it is easier to obtain funds for sales promotion when the merchant fee is set in relation to the credit settlement amount.

FIG. 1 is a schematic explanatory diagram of a credit processing apparatus according to a first embodiment of the present invention. FIG. 2 is a schematic front view of the member store terminal of the credit processing apparatus according to the first embodiment of the present invention. FIG. 3 is an example of a credit settlement receipt output at a member store terminal of the credit processing apparatus according to the first embodiment of the present invention. FIG. 4 is a schematic block diagram of the gateway server of the credit processing apparatus according to the first embodiment of the present invention. FIG. 5 is a member store fee rate table of the credit processing device according to the first embodiment of the present invention, (A) is a diagram illustrating the configuration of the member store terminal code, and (X) is a member store fee in the first gateway server. The rate table (Y) is a member store fee rate table in the second gateway server. FIG. 6 is a schematic block diagram of the member store management server of the credit processing apparatus according to the first embodiment of the present invention. FIG. 7 is a member store table in the member store management server of the credit processing apparatus according to the first embodiment of the present invention, (X) is a member store table in the first member store management server, and (Y) is a second member store. It is a member store table in a management server. FIG. 8 is a user table in the member store management server of the credit processing apparatus according to the first embodiment of the present invention. FIG. 9 is a schematic diagram for explaining the credit settlement conditions of the credit processing device according to the first embodiment of the present invention. FIG. 10 is a flowchart for explaining the configuration and operation of the credit processing apparatus according to the first embodiment of the present invention. FIG. 11 is a flowchart for explaining the operation of the gateway server in the credit processing apparatus according to the first embodiment of the present invention. FIG. 12 is a detailed flowchart for explaining the operation of the member store management server in the credit processing apparatus according to the first embodiment of the present invention. FIG. 13 is a flowchart for explaining the operation of the member store terminal in the credit processing apparatus according to the first embodiment of the present invention. FIG. 14 is a flowchart for explaining the operation of the user management server in the credit processing apparatus according to the first embodiment of the present invention. FIG. 15 is a member store fee table in the gateway server for explaining the credit processing apparatus according to the second embodiment of the present invention. FIG. 16 is a payment method member store fee rate table in the gateway server for explaining the credit processing apparatus according to the third embodiment of the present invention. FIG. 17 is a flowchart for explaining the credit processing apparatus according to the third embodiment of the present invention. FIG. 18 is an international brand member store fee rate table in the gateway server for explaining the credit processing apparatus according to the fourth embodiment of the present invention. FIG. 19 is a flowchart for explaining the credit processing apparatus according to the fourth embodiment of the present invention. FIG. 20 is a card grade member store fee rate table in the gateway server for explaining the credit processing apparatus according to the fifth embodiment of the present invention. FIG. 21 is a flowchart for explaining the credit processing apparatus according to the fifth embodiment of the present invention. FIG. 22 is an international brand amount payment method member store commission rate table in the gateway server for explaining the credit processing apparatus according to the sixth embodiment of the present invention. FIG. 23 is a flowchart for explaining the credit processing apparatus according to the sixth embodiment of the present invention.

The present invention transmits at least a member store terminal code and a credit settlement amount from a member store terminal to a member store management server via a gateway server, and the member store management server sends a member store account to the member store settlement bank. , A credit processing device for a member store that performs credit sales settlement for a member store by subtracting the member store fee from the credit settlement amount, and the gateway server includes:
Multiple memberships associated with credit card payment terms, including at least one of credit payment amount, credit payment method, international brand, card issuer, or card grade associated with the merchant terminal code A merchant fee rate table with a merchant fee rate identification code representing the store fee rate,
The member store terminal code and the credit settlement amount transmitted from the member store terminal are compared with the member store terminal code and the credit settlement condition set in the member store fee rate table to correspond to these member stores. A fee rate identification code specifying means for specifying the fee rate identification code and providing at least the specified member store fee rate identification code and the credit settlement amount to the corresponding member store management server;
The member store management server calculates a member store fee based on a member store fee rate identification code provided from the gateway server, and subtracts the calculated member store fee from the received credit settlement amount. A transfer process to a member store account in the member store settlement bank,
This is realized by a credit processing device characterized by the above.

A first embodiment of the present invention will be described with reference to FIGS.
The credit processing device 100 according to the first embodiment is input to the member store terminal 104 installed in the member store 102 and is transmitted with a credit card code 128, a password code 138, and a credit settlement condition 120 (described later). In Example 1, credit settlement amount 124), credit settlement primary information 136 such as payment conditions is transmitted to the member store management server 108 via the gateway server (GWS) 106, and the gateway server 106 specifies the member store fee rate identification code. The means 178 identifies a member store fee rate identification code 176 for determining the member store fee 174 in the member store management server 108 based on the credit settlement condition 120, and the member store management server 108 Credit sales of merchandise, etc. by subtracting the merchant fee 174 from the credit settlement amount 124 to the merchant account 122 in the merchant settlement bank 112 (Transaction) Transfers the money, and for the user 114, the user settlement amount 188 is obtained by adding the user fee 186 to the credit settlement amount 124 from the user account 184 in the user settlement bank (rate of interest) 116. Is transferred to the member store management server 108 or a designated bank account, thereby having a function of paying the consideration for the product or service to the member store 102 and the user 114.

First, the member store 102 will be described with reference to FIG.
The member store 102 is a place where goods or services are provided, i.e., a so-called store, for example, a clothing store or a product such as food, or a service such as beauty or medical care, and the consideration is paid in cash, bank transfer, or Received by a payment method such as credit card payment. The present invention relates to a credit settlement process among these settlement methods. Although there are many member stores 102, FIG. 1 shows four member stores 102A to 102D for convenience. The individual member store 102 is described as the member store 102A, 102B, 102C, or 102D. However, when the description is common to all member stores, it is simply referred to as the member store 102. In the credit settlement, the international brand 103 that provides an international settlement system for performing credit settlement processing (103M, 103V, 103J in the first embodiment), the member store management company (acquirer) 107 (this embodiment) In the first embodiment, the member store management server 108 (two 108X and 108Y in the first embodiment) and the card issuing company 115 that issues the credit card 118 owned by the user 114 are managed. Processing is performed in the user management server 110 (three in 110A, 110R, and 110L in the first embodiment) managed by (three in the first embodiment, 115A, 115R, or 115L). In the first embodiment, for convenience of explanation, there are three international brands 103, 103M, 103V, and 103J, and three card issuing companies, 115A, 115R, and 115L, but there are actually many more. Yes. In the first embodiment, it is assumed that the international brand 103J also has the function of the member store management company (acquirer) 107 and the function of the card issuer 115, and the function of the member store management company (acquirer) 107. In the description, reference numeral 107J is used, and in describing the card issuer function, reference numeral 115J is used. The international brand 103 manages the international brand management server 105. Specifically, the first international brand 103M manages the first international brand management server 105M, the second international brand 103V manages the second international brand management server 105V, and the third international brand 103J manages the third international brand management server 105J. doing.
When the member store terminal 104 managed by the member store management company 107X or 107J is used, the member store 102A to D can be directly transferred to the member store account 122 in the member store settlement bank 112. . For the user 114, the first international brand 103M, the second international brand 103V, or the third international brand 103J is used at the user settlement bank 116 through the card issuing company 115 (115A, 115R, 115L, 115J). Credit settlement processing can be performed by transferring the user settlement amount from the user account 184. Therefore, when referring to the member store management server 108 (108M, 108J), the member store management server 108 (108X, 108J) alone, or the international brand management server 105 (105M, 105V) and the member store management server 108 (108M, 108V) May include both and combinations.
For the sake of convenience, three users 114A to 114C are illustrated for the user 114, but in the case of individual explanation, the individually assigned users 114A to 114C are used, but are common to the users 114A to 114C. In this case, the user 114 is simply described.

Next, the international brand 103 (first international brand 103M, second international brand 103V, and third international brand 103J) will be described.
The international brand 103 has a function of providing an international credit settlement system for performing credit settlement processing. Usually, the credit card code is managed for each international brand, and the member store is linked with the member store management company 107. Credit payment to 112 and credit payment to the user 114 in cooperation with the card issuing company 115, but the issuer function that manages the member store 102 and / or the issuer that issues the credit card 118 and manages the user It may have a function. In the first embodiment, the first international brand 103M and the second international brand 103V provide only an international credit settlement system, and the third international brand 103J, in addition to providing an international credit settlement system, It has a store management function and a card issue (user management) function. The credit settlement processing means that the user 114 is billed and collected for the credit settlement amount 124, and the member store settlement amount 182 obtained by subtracting the member store fee 174 from the credit settlement amount 124 is paid to the member store 102. .
In the first embodiment, the first international brand 103M and the second international brand 103V do not have the acquirer function and the issuer function, the third international brand 103J has only the acquirer function, and the issuer function is issued by the first card. Assume that the company 115A, the second card issuing company 115R, and the third card issuing company 115L. In the first embodiment, when the third international brand 103J is also the member store management company 107J and the card issuing company 115J, when executing the credit settlement process, the international brand management server 105J and the member store management server 108J. The user management server 110J is arranged and configured to perform functions.

Next, the member store management company (acquirer) 107 (the first member store management company 107X and the second member store management company 107J in the first embodiment) will be described. The member store management company 107 contracts with a specific international brand 103 and member store 102, and when the credit card 118 related to the specific international brand 103 is used for credit settlement in the contracted member store 102, the member store 102 Service for the member store 102 is provided, such as payment of the member store settlement amount 182 for credit settlement (transfer (transfer)). The member store management company 107 manages the member store management server 108 (in the first embodiment, the first member store management server 108X and the second member store management server 108J), and the member store management server 108 is a member. Various services for the store 102 are provided. In addition, when a credit card 118 related to an unbranded international brand 103 is used at a contracted member store 102, the member store management server 108 performs a primary credit settlement on the unbranded international brand 103. It has a function of transferring information 136. In the first embodiment, the first member store management company 107X cooperates with the first international brand 103M, and when the first credit card code 128M managed by the first international brand 103M is used, the member store 102 determines. The member store settlement amount 182 is transferred to the member store account 122 in the member store settlement bank 112. In the case of the other second international brand 103V or the third international brand 103J, the credit settlement primary information 136 is similarly transmitted via the respective international brand 103. Therefore, the first member store management server 108X is connected to the first gateway server 106X by a dedicated dedicated line 152X, and the second member store management server 108J is connected to the second gateway server 106Y and the dedicated dedicated line 152Y. Further, the first member store management server 108X is connected to the member store settlement banks I to C, the second international buoyland 103V, and the third international brand 103J through the respective second dedicated communication lines 2302.

Next, the card issuing company 115 (first card issuing company 115A, second card issuing company 115R, third card issuing company 115L) will be described.
The card issuing company 115 cooperates with the international brand 103 (first international brand 103M, second international brand 103V, or third international brand 103J) to give a credit card code 128 managed by the international brand 103 to the user 114. The credit card 118 is issued and the issuer (user management) function is exhibited. The user management function is a card in which the user settlement amount 188 is deducted (transferred (transferred)) from the user account 184 in the user settlement bank 116 specified by the user 114 based on the request from the international brand 103. It has a function of transferring money to a predetermined bank account designated by the issuing company 115. The card issuing company 115 (first card issuing company 115A, second card issuing company 115R, third card issuing company 115L) is a user management server 110 (first user management server 110A, second user management server 110R, first 3 user management server 110L). In other words, the first user management server 110A, the second user management server 110R, or the third user management server 110L are respectively the first international brand 103M, the second international brand 103V, or the third international brand. 103J and the third dedicated communication line 2303, the fourth dedicated communication line 2304, and the fifth dedicated communication line 2395, respectively. Further, the first user management server 110A, the second user management server 110R, or the third user management server 110L is individually connected to the user settlement banks 116a, 116b, and 116c, respectively. , 2307 and 2308 are connected.

Next, the member store terminal 104 will be described mainly with reference to FIG.
The member store terminal 104 transmits the credit settlement primary information 136 (FIG. 9) such as a credit card code (so-called credit card number) 128 to the gateway server 106 (the first gateway server 106X and the second gateway server 106Y), and the gateway Based on the credit settlement completion information 148 received from the server 106, it has a function of issuing a credit settlement receipt 132. One or more desired merchant terminals 104 are arranged in each member store 102, and together with the credit card code 128 recorded on the credit card 118 presented by the user 114, the credit settlement amount 124 and the password with the numeric keypad 134. After manually entering the code 138, by pressing the input key 140, together with the credit settlement amount 124 and the password 138, the member store terminal code 142 (individually determined in the member store terminal 104 (104A to 104D)) 142A to 142D) are transmitted to the gateway server 106 (the first gateway server 106X and the second gateway server 106Y) with which the contract is made through the individual terminal communication lines 144 (144A, 144B, 144C, 144D). In the first embodiment, the member store terminal 104A installed in the member store 102A is connected to the terminal communication line 144A, and the member store terminal 104B installed in the member store 102B is connected to the terminal communication line 144B. The member store terminal 104C installed in the member store 102C is connected to the first gateway server 106X, and the member store terminal 104D installed in the member store 102D is connected to the terminal communication line 144D. To the second gateway server 106Y. In the first embodiment, when the first gateway server 106X or the second gateway server 106Y is individually described, individual symbols are used, and when both are described together, they are simply referred to as the gateway server 106. In addition, after the credit settlement process is substantially completed, the attached printer 146 issues a credit settlement receipt 132 on which credit settlement completion information 148 such as the credit settlement amount 124 is printed. Accordingly, although not shown, the member store terminal 104 has the same hardware as a CPU, ROM, RAM, and interface, which will be described later, so as to exhibit the above functions based on a program stored in the ROM. It is configured. Therefore, an IC card connector, a credit card code acquisition means, and a credit settlement amount input means in cooperation with the program and the CPU, ROM, RAM, and interface. A code code input means, a member store terminal code storage means, a credit settlement primary information transmission means, a credit settlement completion information reception means, and a printer drive means are incorporated. In the first embodiment, it is assumed that one member store terminal 104A to 104D is installed in each member store 102A to 102D. Instead of the printer 146, the credit settlement completion information 148 printed on the credit settlement receipt 132 can be confirmed by sending it as an e-mail addressed to a mobile phone held by the user 114, or the user 114 can You may make it deliver and display to the portable information device which it owns.

Next, the credit card 118 will be described.
The credit card 118 is a commonly used card, and at least a credit card code 128 is encrypted (recorded) on a magnetic tape or IC chip. The credit card 118 according to the first embodiment is a credit card 118 with a built-in IC chip.

Next, the numeric keypad 134 will be described.
The numeric keypad 134 has a function of inputting the credit settlement amount 124 and the password 138, and is a commonly used input for confirming and inputting at least 0 to 9 numbers and the input numbers ( Return) key 140 is included. The numeric keypad 134 can be changed to another device having a similar function.

Next, the credit settlement amount 124 will be described.
Credit settlement amount 124 is the price of goods or services paid through card issuer 115 (first card issuer 115A, second card issuer 115R, or third card issuer 115L) with which user 114 has contracted. Yes, it is input to the member store terminal 104 by the operation of the numeric key 134, and is confirmed by pressing the input key 140, and then transmitted to the gateway server 106 (the first gateway server 106X or the second gateway server 106Y). Specifically, the credit settlement amount 124 is an amount obtained by adding consideration for goods or services and necessary tax (consumption tax). Consideration for goods or services may be input to the member store terminal 104, and tax may be automatically calculated and added. If payment of tax is not necessary, it is naturally not included in the credit settlement amount 124.

Next, the password 138 will be described.
The personal identification code 138 is a code that only the user 114 can know in order to prove that the credit card code 128 stored in the credit card 118 used by the user 114 is a true code. The data is input to the member store terminal 104 and transmitted to the first gateway server 106X or the second gateway server 106Y. There is a system that does not require the input of the password code 138, and the present invention can be applied even when the password code 138 is not required.

Next, the member store terminal code 142 will be described.
The member store terminal code 142 is a code individually assigned to the member store terminal 104, and is stored in the built-in ROM, and identifies which terminal in the member store 102 and the member store. This code is a combination of a code representing the member store 102 and a code representing an individual number in the member store, and is the only code in the world. For example, when one member store terminal 104 is used in the member store 102A, the member store terminal code 142 includes the identification code of the international brand 103 or the identification code of the card issuing company 115, the member store code, and the number code. For example, as shown in FIG. 5 (A), the leftmost digit is the identification code 143A of the international brand 103, and M in the first embodiment relates to the first international brand 103M. Represents what to do. The second digit from the left is the identification code 143B of the member store management company 107, and X in the first embodiment indicates that the first member store management company 107X is involved. Therefore, the identification code 143A is V when the second international brand 103V is issued, and J when the third international brand 103J. When the second member store management company 107Y manages, the member store code 143B becomes Y. The middle 4-digit A123 is a member store code 143C indicating that it is a member store 102A, and the two digits from the right end are a terminal number code 143D that indicates the number of terminals in the member store 102A. In the first embodiment, 01 represents the first member store terminal 104 in the member store 102A. Accordingly, when a plurality of member store terminals 104, for example, nine units are used in the member store 102A, the international brand identification code 143A, the member store management company identification code 143B, the member store code 143C, and the terminal number code 143D are used. MXA12301 to MXA12309 in which numbers from ~ 09 are combined are used. Accordingly, when the member store 102C contracts with the member store management company 107J and uses one member store terminal 104, the member store terminal code 142 becomes VYCxxx01.

Next, the terminal communication line 144 will be described.
The terminal communication line 144 (144A to 144D) contracts the credit settlement primary information 136 such as the credit settlement amount 124 and the password 138 input to the member store terminal 104 through the individual communication lines 144A to 144D. Between the merchant terminal 104 and the gateway server 106 for transmitting to the gateway server 106 (the first gateway server 106X or the second gateway server 106Y) and receiving the credit settlement completion information 148 and the like from the gateway server 106 Communication line.

Next, the printer 146 will be described.
The printer 146 is a device having a function of printing the credit settlement completion information 148 on the printing paper 150. The printer 146 is usually miniaturized because it is integrated with or installed in the vicinity of the member store terminal 104, and a thermal printer (thermal type). A printer or a transfer printer) is used. When the size is not limited, a normal ink type, toner type, impact printer, or the like can be used.

Next, the credit settlement receipt 132 will be described with reference to FIG.
The credit settlement receipt 132 is a sheet on which the contents of credit settlement are printed. Usually, the member store name, the member store telephone number, the sales floor, the staff, the IC / MS identifier, the card issuing company name, the slip number, and the member store terminal code 142 are displayed. , Usage date, membership code, card sequence code, expiration date, ATC (Application Transaction Counter), processing serial number, transaction content, payment category, handling category, approval number (credit code), amount, total amount, cardholder name, In addition, the type of slip is printed.

Next, the gateway server 106 will be described with reference to FIG. 4 shows the first gateway server 106X, the gateway server 106Y has the same configuration.
The gateway server 106 processes the credit settlement primary information 136 such as the credit settlement amount 124 and the password code 138 transmitted from the member store terminal 104 so that the member store management server 108 can process credit settlement, and then manages the first member store management. The data is transmitted to the server 108M or the second member store management server 108V via the dedicated line 152X or 152Y and the information processing center 153A or 153B having a firewall function to prevent unauthorized access, respectively. When the individual first gateway server 106X or the second gateway server 106Y is described, if any one of them is used and the content is common to all gateway servers, 106 is used as a symbol. In the first embodiment, the gateway server 106 includes at least a GWCPU (Central Processing Unit) 154, a GWROM (Read Only Memory) 156, a GWRAM (Random Access Memory) 158, a member store fee rate table 162, and a GW interface 164. The GW CPU 154 writes to and reads from the GWRAM 158 as needed based on a predetermined program stored in the GWROM 156, and sets the member store terminal code 142 and the credit settlement condition 120 set in the member store fee rate table 162. Corresponding merchant fee rate identification code 176 is identified, specifically a code representing one of the first international brand 103M, the second international brand 103V, or the third international brand 103J, a card issuing company code, A merchant fee rate identification code 176 that combines the merchant code and the code representing the merchant fee rate 126 is identified and credited. The data is transmitted via the dedicated line 152X or 152Y to either the member store management server 108M or 108V of the member store management company 107 that is affiliated with the primary payment settlement information 136.
In the first embodiment, the gateway server 106 is connected to the member store terminal 104 via the terminal communication line 144. In other words, the gateway server 106 (106X / 106Y) is a server managed by the gateway server company GWX, GWY individually contracted with the member store 102 (102A, 102B, 102C, 102D), and is based on a predetermined program. The member store management server 108M or 108Y managed by the member store management company 107 based on the credit card code 128, the member store terminal code 142, etc. in the credit settlement primary information 136 transmitted from the connected member store terminal 104 A credit card code 128, a member store fee rate identification code 176, etc. are provided, and a member store fee rate identification code specifying means 178 is provided. In the first embodiment, the member store fee rate identification code specifying means 178 is configured by software as will be described later.

Next, the member store fee rate 126 will be described.
The member store commission rate 126 is a rate for determining a fee as a consideration paid by the member store 102 to the first member store management company 107X or the second member store management company 107J that performs credit settlement processing for each credit settlement. In general, an amount obtained by multiplying the credit settlement amount 124 by the member store fee rate 126 is set as a member store fee 174. Specifically, in the case of a payment request from the member store terminal 104 managed by the first member store management company 107X or the second member store management company 107J, the member store management server 108 (108X, 108J) performs credit settlement. The member store fee 174 is subtracted from the amount 124 and paid to the member store account 122 in the member store settlement bank 112 (remittance (transfer) processing). The payment to the member store account 122 is generally made by a transfer request to the member store settlement bank 112 and is not directly transferred from the member store management server 108, but this case is also included in the transfer process. . Therefore, the transfer process is a concept including payment other than narrow transfer.
The member store commission rate 126 may be constant regardless of the size of the credit settlement amount 124, but the member store commission rate 126 is set differently depending on the amount of the credit settlement amount 124. This is because when the member store fee rate 126 is constant and the credit settlement amount 124 is increased, the member store fee 174 becomes unreasonably large, and the member store 102 cannot use a flexible business promotion measure.
In the first embodiment, as shown in the member store fee rate table 162 shown in FIG. 5 (X), the member store fee rate table 162 is credited with respect to the MXA12301 which is the member store terminal code 142A in the member store 102A. The merchant fee rate 126 is set to 2% when the settlement amount 124 exceeds 5 million yen, 3% from over 2 million yen to 5 million yen, and 5% below 1 million yen.

Next, the member store fee rate table 162 will be described with reference to FIGS.
In the member store fee rate table 162, a credit settlement amount range 166 associated with the member store terminal code 142 and a member store fee rate identification code 176 corresponding thereto are set. Note that the member store fee rate 126, the member store management server 108, and the international brand 103 corresponding to the credit settlement amount range 166 are displayed for convenience and are not essential requirements. Specifically, since the example shown in FIG. 5 (X) is the member store fee rate table 162X in the first gateway server 106X, the member store fee rate 126 of the member store 102A in the first international brand 103M is defined. Yes. That is, in the MXA12301 of the merchant terminal code 142, if the international brand 103 is M, the merchant code 143C is A123, the number is 01, and the credit settlement amount range 166 is 1 million yen or less, the merchant commission rate If 126 is 5%, MXA123015 is set as the merchant fee rate identification code 176M5, and the credit settlement amount 124 is more than 1 million yen and less than 2 million yen, the merchant fee rate 126 is 3% When the MXA123013 is set as the member store fee rate identification code 176M3 and the credit settlement amount 124 exceeds 5 million yen, the member store fee rate 126 is 2% and the member store fee rate identification code 176M2 Is set as MXA123012. In the first gateway server 106X, when the merchant terminal code is MXB12301 and the credit settlement amount range 166 is 1 million yen or less, the merchant commission rate 126 is 6%, and MXB123016 identifies the merchant commission rate. If the code 176M6 and the credit settlement amount 124 exceeds 5 million yen and less than 10 million yen, the merchant fee rate 126 is 4%, and the MXB123014 is set as the merchant fee rate identification code 176M4, If the credit settlement amount 124 exceeds 10 million yen, the member store fee rate 126 is 1% and the member store terminal 104B in the other member store B in which MXB123011 is set as the member store fee rate identification code 176M1 The affiliated store terminal code 142B is also set. Similarly, in the gateway server 106Y, as shown in FIG. 5 (Y), when the international brand 103 is V and the credit settlement amount range 166 is 1 million yen or less with respect to the member store terminal code VYC12301 in the member store 102C, Merchant fee rate 126 is 5% Merchant fee rate identification code 176V5 is VYC123015, and when the credit settlement amount range 166 exceeds 1 million yen but less than 2 million yen, the member store commission rate 126 is 3% If the store commission rate identification code 176V3 is VYC123013, and the credit settlement amount range 166 exceeds 5 million yen, the member store commission rate identification code 176V2 is 2% and the member store commission rate identification code 176V2 is VYC123012. If the international brand 103 is J and the credit settlement amount range 166 is 1 million yen or less, the merchant fee rate identification code 176J6 is 6% as VYD123016. When the credit settlement amount range 166 exceeds 5 million yen, the member store fee rate identification code 176J4 with a merchant fee rate 126 of 4% is VYD123014, and when the credit settlement amount range 166 exceeds 10 million yen, A member store fee rate identification code 176J1 with a member store fee rate 126 of 1% is set as VYD123011. Therefore, for example, if the credit settlement amount 124 at the member store 102A is 1,500,000 yen, the first member store fee rate table 162X at the first gateway server 106X falls within 1 million yen and below 2 million yen Thus, 3% is specified for the member store fee rate 126 in the first gateway server 106X, and MXA123013 is specified and provided to the member store management server 108M as the corresponding member store fee rate identification code 176M3.
Similarly, in the gateway server 106Y, based on the second member store fee rate table 162Y, the credit settlement amount range 166 associated with the member store terminal code 142C or 142D in the member stores 102C and 102D and the credit settlement amount range 166 A corresponding member store fee rate identification code 176 is set.

Next, the member store fee rate identification code 176 will be described.
The member store fee rate identification code 176 is a code used by the predetermined member store management server 108 to calculate the member store fee 174 for the predetermined member store. In the first embodiment, FIG. ), Consisting of 9 alphanumeric characters, the leftmost one-digit alphabet represents the international brand 103, and the second digit from the left is the member store management company 107 (in the case of X, the first member store management company 107X , Y represents the second member store management company 107J), 3 to 6 digits of alphanumeric characters from the left represent the member store 102, and 7 to 8 digits from the left of the member store terminal 104 in the member store 102 This represents the number of units, and the rightmost single digit number represents 126% of the merchant fee rate 126. For example, in the member store fee rate table 162X, the member store fee rate identification code 176M2 is MXA123012. The first M is M of the international brand 103, and the second digit X from the left is the member store management company 107X, 3 to 6 digits. A123 of the eye represents the member store 102A, 7 to 8 represent the number of the member stores, and the rightmost 2 represents 2%, which is the member store fee rate 126. The example of FIG. 5 is an example, and various numbers of digits and usage codes can be used as necessary.

Next, the member store fee rate identification code specifying means 178 will be described.
The member store fee rate identification code specifying means 178 includes the member store terminal code 142 and the credit settlement condition 120 transmitted from the member store terminal 104, the credit settlement amount 124 in the first embodiment, and the member store fee rate table 162. The member store terminal code 142 set in the above and the credit settlement condition 120 (credit settlement amount 124) are compared with each other to identify the member store fee rate identification code 176, and at least the identified member store fee The credit settlement primary information 136 including the rate identification code 176 and the credit settlement amount 124 is then transmitted to the member store management server 108 managed by the corresponding member store management company 107. In the first embodiment, the member store fee rate identification code specifying means 178 is configured by software described later, but can also be configured as hardware.

Next, the member store management server 108 will be described with reference to FIG.
The member store management server 108, based on at least the credit settlement primary information 136 transmitted from one or a plurality of gateway servers 106X to 106Y, at least the member store settlement bank 112 (112) specified by the member store 102A to 102D. To the corresponding merchant account 122 (122 a to 122 c) in (112) to (112)), the function of transferring the merchant settlement amount 182 obtained by subtracting the merchant fee 174 from the credit settlement amount 124, and the self management If it is not a member store 102, it has a function of transferring the credit settlement primary information 136 to the relevant international brand 103, and also has a function of the card issuing company 115, it corresponds to the user settlement bank 116 of the user 114. The user settlement amount 188 obtained by adding the user fee 186 to the credit settlement amount 124 from the user account 184 (184 a to 184 c) is designated as specified by the user account 184 in the user settlement bank 116. Has a function to transfer money to an account. The transfer processing of the user settlement amount 188 is normally performed at the card issuing companies 115A, 115R, 115L based on an instruction from the member store management server 108. Specifically, the member store management server 108 includes at least a payment CPU 192, a payment ROM 194, a payment RAM 196, a member store table 198, a payment interface 204, and a member store fee rate identification code specifying means 178 (FIG. 11). When a user management function is provided, a user table 202 is included. Based on a predetermined program stored in the payment ROM 194, the payment CPU 192 writes and reads data with the payment RAM 196 at any time and is set in the member store table 198 corresponding to the member store terminal code 142. Membership account 174 subtracting merchant fee 174 from credit settlement amount 124 for merchant account 122 based on merchant settlement bank code 212 of settlement bank 112 and merchant account code 218 set corresponding to merchant account 122 Transfer the store settlement amount 182. Further, when the card issuing company (user management) function is provided, the user settlement bank code 224 and the user account 184 in the user settlement bank 116 corresponding to the credit card code 128 set in the user table 202 are stored. Based on the corresponding user account code 226, the user settlement amount 188 obtained by adding the user fee 186 to the credit settlement amount 124 for the user account 184 is transferred from the user account 184 to the member store management server 108 (or member store management). A bank account designated by the server 108). The settlement CPU 192, settlement ROM 194, RAM 196, and settlement interface 204 have the same functions as the GW CPU 154, GWROM 156, GWRAM 158, and GW interface 164 in the gateway server 106, and thus description thereof is omitted. As will be described later, the member store management server 108 is responsible for the transfer processing function of the member store settlement amount 182 and the user management server 110 is responsible for the credit processing function and the transfer processing function of the user settlement amount 188. The credit settlement function can be exhibited by the cooperation of the store management server 108 and the user management server 110. The first member store management server 108X and the server (not shown) of each member store settlement bank 112 are connected via a dedicated line 228. The first member store management server 108X, the first international brand management server 105M, the second international brand management server 105V, and the third international brand management server 105J are connected to each other via the second dedicated communication line 2302. Yes. The first international brand management server 105M and the user management servers 110A to 110L are connected via a third dedicated communication line 2303. The second international brand management server 105V and the user management servers 110A to 110L are connected via a fourth dedicated communication line 2304. The second member store management server 108J, which is the third international brand management server, and the user management servers 110A to 110L are connected via a fifth dedicated communication line 2305. User management server 110A and user settlement banks 116a, 116b, 116c are connected via a sixth dedicated communication line 2306, respectively. The user management server 110R and the user settlement banks 116a, 116b, 116c are connected via a seventh dedicated communication line 2307, respectively. The user management server 110L and the user settlement banks 116a, 116b, 116c are connected via an eighth dedicated communication line 2308, respectively.
When the credit card code 128 managed by the first international brand 103M is used in the transfer request processing from the first member store management server 108X to the user settlement bank 116, the credit is sent via the first international brand management server 105M. The data is transmitted via the third dedicated communication line 2303 to the first user management server 110A, the second user management server 110R, or the third user management server 110L managed by the card issuing company 115 that issued the card 118. . When the credit card code 128 managed by the second international brand 103V is used, the first user settlement server 110A managed by the card issuing company 115 that issued the credit card 118 via the first international brand management server 105M. The second user settlement server 110R or the third user settlement server 110L is transmitted via the third dedicated communication line 2303. Therefore, even if the first member store management server 108X is the credit card 118 issued by any of the card issuing companies 115A to 115J, the first international brand management server 105M, the second Transfer request processing is performed to either the international brand management server 105V or the third international brand management server 105J. On the other hand, in the case of the credit card code 128 managed by the company, the second member store management server 108J directly performs a transfer request process to one of the user settlement servers 110A, 110R or 110L. If the credit card code 128 is not managed by the company, the transfer request process is performed to either the first international brand management server 105M or the second international brand management server 105V.

Next, the member store table 198 will be described with reference to FIG.
The member store table 198 includes a member store settlement bank code 212 of the member store settlement bank 112 corresponding to the member store terminal code 142 corresponding to the member store 102, and a member store account 122 corresponding to the member store settlement bank code 212. It is a table that associates the store account code 218. Therefore, the member store table 198 is provided for each of the first member store management server 108X and the second member store management server 108J. In the first embodiment, in the first member store management server 108X, as shown in FIG. 7 (X), a first member store table 198X is provided, and the member store terminal code MXA12301 in the member store 102A is a member. 122A123, which is the store settlement bank code 212, and 214A123, which is the member store account code 218, are set in association with each other and the member store terminal code MXB12301 in the member store 102B is 122B123, which is the member store settlement bank code 212, In addition, 214B123 which is a member store account code 218 is set. Further, the second member store management server 108J is provided with a second member store table 198J, and the member store terminal code VYC12301 in the member store 102C is 122C123, which is the member store settlement bank code 212, and the member store account code. 214C123, which is 218, is set, and 122D123, which is the member store settlement bank code 212, and 214D123, which is the member store account code 218, are set in association with the member store terminal code JYD123001 in the member store 102D. . In addition, when it is not necessary to use the first member store table 198X or the second member store table 198Y, the member store table 198 is simply referred to.

Next, the user table 202 will be described with reference to FIG.
User table 202 corresponds to user settlement bank code 224 of user settlement bank 116 for credit card code 128 of credit card 118 corresponding to user 114 and user account code 226 corresponding to user account 184. It is a table to attach. In the first embodiment, since the user management server 110J also serves as the card issuing company 115J, for example, the user management server 110J includes the user table 202 shown in FIG. 8, and the credit card code 128 for the user 114A is 3456-01XX-YYY1-1411. , 2114141 user settlement bank code 224, 2114141 user account code 226, 4456-01XX-YYY1-1412 which is credit card code 128 for user 114B, 2114142 user settlement bank code 224, Further, the user account code 226, 2114142, and the user 114C are associated with the credit card code 5456-01XX-YYY1-1413, the user settlement bank code 224, 2241143, and the user account code 226, 2261143. On the other hand, the first member store management server 108X does not serve as a card issuing company (has no issuer function), and therefore does not include the user table 202. However, each user management server 110 (110A to 110L) managed by the card issuing company 115 includes a user table 202. Accordingly, the user table 202 is a table in which the user settlement bank code 224 of the user settlement bank 116 and the user account code 226 corresponding to the user account 184 are associated with the credit card code 128. In the first embodiment, for convenience of explanation, it is assumed that the user management server 110 (110A to 110L) also includes the user table 202 shown in FIG.

Next, the user management server 110 will be described.
The user management server 110 (110A, 110R, 110L, 110J) is a management server that provides various services to users managed by the card issuing companies 115A, 115R, 115L, and 115J, respectively. This is a server that supports the user 114 of the credit card 118 issued in response to the application, such as credit settlement processing, granting of benefits, and the like. Based on the credit card code 128 of the credit card 118, the member store management server 108 passes through the international brand 103 (international brand management server 105) and the corresponding card issuing company 115A, 115R or 115L (user management server 110A, 110R). , 110L), the credit card 118 is charged and the user 114 is requested to perform credit settlement processing. Therefore, the user management server 110 relates to the credit card 118 when there is a credit request from the first member store management server 108X or the second member store management server 108J via the international brand management servers 105M, 105V, 105J. The credit card is judged whether it is accepted or not, the fact is returned to the first member store management server 108X or the second member store management server 108J, and if there is a credit settlement processing request, the user corresponding to the credit card code 128 User-specified payment amount 188, which is the amount of credit payment 124 plus user fee 186 from user account 184 in payment bank 116, is specified to user payment bank 116 as a monthly transfer amount at a predetermined time every month. It has a function of requesting payment to a settlement account in a settlement bank. Therefore, the user management server 110 has a user table 202, and performs a payment process for the user 114 in the credit payment together with the member store management server 108 and the international brand management server 105. Similar to the member store management server 108, the user management server 110 has a user payment CPU, a user payment ROM, a user payment RAM, and a user payment interface, which are the GW CPU 154 and GW ROM 156 in the gateway server 106. , The GWRAM 158 and the GW interface 164 have the same functions, and thus description thereof is omitted. The user management server 110 is connected to the user settlement bank 116 via sixth to eighth dedicated lines 2306 to 2308, respectively.

Next, the member store settlement bank 112 will be described.
The member store settlement bank 112 performs a transfer process to the member store account 122 based on the member store settlement amount 182 transmitted from the member store management server 108. This process is performed based on a predetermined program in a member store settlement bank server (not shown) configured similarly to the member store management server 108.

Next, the user settlement bank 116 will be described.
The user settlement bank 116 mainly uses the user settlement amount 188 transmitted from the user management server 110) or the user account 184 based on the amount determined in the user management server 110 based on the payment method. The user settlement amount 188 is transferred to the bank account designated by the member store management server 108 or the user management server 110. This processing is performed based on a predetermined program by a user settlement bank server (not shown) configured similarly to the member store management server 108.

Next, the credit settlement condition 120 will be described with reference to FIG.
The credit settlement condition 120 has a function as a reference for setting the member store fee 174, and the member server management server 108 uses the gateway server to set information necessary for determining the member store fee 174 for the member store 102. Information for setting in 106. In the first embodiment, the credit settlement amount 124, the credit payment method 242, the international brand 103, the card issuing company 115, and the card grade 238 sent from the member store terminal 104 as the credit settlement primary information 136. At least one of them is a credit settlement condition 120. In other words, the credit settlement condition 120 is information representing requirements that can be used for business in the member store 102. For example, in the case where the credit settlement amount 124 is set to the credit settlement condition 120, if the amount is reduced, the ratio of the merchant fee 174 to the consideration of the goods / services can be reduced, and thus it can be used for business promotion expenses accordingly. . When the credit settlement condition 120 is changed to the credit payment method 242, for example, since the fee income at the credit card company 108 is higher for the revolving payment than for the one-time payment, the benefit at the member store 102 may increase as a result. . The same applies to the international brand 103, the card issuing company 115, or the card grade. In the first embodiment, the credit settlement amount 124 is adopted as the credit settlement condition 120.

  Next, the operation of the credit processing apparatus 100 of the first embodiment is paid by the user 114A using the credit card 118A issued by the card issuing company 115A at the member store 102A with reference to the flowcharts of FIGS. An example will be described. Further, the member store 102A contracts with the first gateway server 106X, contracts with the card issuing company A for the member store fee 174 based on the member store fee rate table 162X shown in FIG. 5, and the member store settlement bank code 212 is 122A123. It is assumed that the member store settlement bank 112a holds the member store account 122 whose member store account code 218 is 214A123. The user 114A holds the credit card 118A issued by the credit card company A under the control of the first international brand 103M, and the user settlement bank code 224 is the user settlement bank 116a with the user settlement bank 116a and the user account code 226 is Assume that the user account 184a of 2261141 is held. The credit card 118A is an IC card with a built-in IC chip (not shown), and the credit card code 128 is encrypted and stored in the IC chip.

  When the user 114A receives provision of goods or services at the member store 102A and applies for credit settlement when paying the consideration, the store clerk at the member store 102A first places the credit card 118A of the user 114A into the member store terminal. Insert into 104A IC card connector. As a result, in step TS1, the credit card code 128 stored in the IC chip via the IC card connector is read into the member store terminal 104A by the credit card code obtaining means (not shown).

  Next, in step TS2, the store clerk inputs the credit settlement amount 124 and the payment method (either batch, split or revolving payment) using the numeric keypad 134. As a result, the member store terminal 104A has the credit card code 128 and the member store terminal code 142A set for each member store terminal 104A (in this embodiment, “MXA12301” in FIGS. 5 and 7). ) After preparing the credit settlement amount 124 and the credit settlement primary information 136 of the payment method (lump sum, split or revolving payment) so as to be able to be transmitted, the process proceeds to step TS4, and the password 114 is input to the user 114A. Ask. The credit settlement amount 124 is assumed to be 1.5 million yen this time.

  Next, in step TS4, when the user 114A inputs the password 138 and then presses the input key 140, the process proceeds to step TS5 and a credit request is made. That is, the credit settlement primary information 136 and the password 138 are transmitted to the first gateway server 106X via the terminal communication line 144A.

The first gateway server 106X that has received the credit request identifies the user's international brand 103 and the card issuing company 115 from the credit card code 128 in step GS1 (see FIG. 11 for details), and proceeds to step GS2. In the first embodiment, the user 114A is managed by the international brand 103M and the credit card code 128 issued by the card issuing company 115A uses the credit card 118A of 3456-01XX-YYY1-1411. (International brand management server 105M) and card issuing company 115A (user management server 110A) are specified.

In Step GS2, the first gateway server 106X transmits the credit card code 128 and the password 138 to the international brand management server 105M via the first member store management server 108X and requests GW credit, and then performs Step GS3. Proceed to

  The first member store management server 108X that has received the GW credit request from the first gateway server 106X makes a credit request to the first user management server 110A via the first government bond brand management server 105M. The first user management server 110A that has received this credit request, after the credit card code 128 and the personal identification code 138 are true in step CS1, performs credit and then issues a new credit code 130 issued in step CS2. A response is made to the first gateway server 106X via the international brand management server 105M and the first member store management server 108X. That is, when the credit card code 128 and the code 138 corresponding to the credit card code 128 and the code 138 exist in the customer table (not shown) in the first user management server 110A, it is determined to be true and exists Otherwise, it is determined to be false. If the credit card code 128 and the password code 138 are false and cannot be credited, credit failure information is returned to the first gateway server 106X. The first gateway server 106X stops processing according to the credit disabling information and transmits the credit disabling information to the member store terminal 104A. In the member store terminal 104A, the fact that the credit card code 128 and the personal identification code 138 or the personal identification code 138 are false is displayed on the display unit, and the process is terminated. It is also possible to set so that the password 138 can be re-input and GW credit requests can be requested up to two times. On the other hand, when the second gateway server 106Y requests the GW credit request from the second member store management server 108J, if it is not the credit card 118 issued by the second member store management company 107J, the international credit card code 128 is used as described above. One of the brand 103 and the card issuing company 115A, 115R, 115L is specified, and the GW credit is given to the user management server 110A, 110R, or 110L managed by the specified card issuing company 115 Make a claim. The user management server 110A, 110R, or 110L that has received the GW credit request determines whether the credit card code 128 and the password 138 corresponding to the received credit card code 128 and the password 138 exist in the user table 202. If it exists, it is determined to be true, and if it does not exist, it is determined to be false, and the second gateway server 106Y passes through the international brand management server 105M or 105V and the second member store management server 108J. Reply to If the credit card code 128 is issued by the card issuing company 115J, the credit card code 128 is returned directly to the second member store management server 108J. The second gateway server 106Y that has received the reply performs the same processing as the first gateway server 106X.

  The first gateway server 106X that has received the credit code 130 performs post-credit processing in step GS3. Specifically, the credit settlement primary information 136 received from the member store terminal 104A is recorded as the credit settlement completion information 148, and the process proceeds to the credit settlement process. Specifically, the credit code 130 is transmitted to the member store terminal 104A and the night badge processing (GS4 to GS6) is instructed. The night badge process proceeds from step GS4 to S5 when the first gateway server 106X reaches a predetermined time, for example, 2:00 am, and performs subsequent predetermined processes.

  The member store terminal 104A performs a payment completion process in step TS6. Specifically, the credit settlement completion information 148 and the credit code 130 are printed on the printing paper 150 by the printer 146, for example, as shown in FIG. 3, a predetermined number of credit settlement receipts 132 are issued, and the process is terminated. One credit settlement receipt 132 is handed to the user 114A, one is signed after the user is signed, and the other is stored in the member store 102A.

On the other hand, if the first gateway server 106X determines the time to start the nighttime badge process in step GS4, it proceeds to step GS5.

In step GS5, referring to the member store commission rate table 162X, if the member store terminal code 142 is “MXA12301” and the credit settlement amount 124 is 1.5 million yen, it is the member store commission rate identification code 176M3. That is, MXA123013 is specified, and the process proceeds to Step GS6. In “MXA123013”, which is the member store fee rate identification code 176M3, the leftmost digit “M” represents the international brand 103M, and the rightmost digit “3” represents the member store fee rate 126 of 3%. Thus, the member store fee rate identification code specifying means 178 executes the specification of the member store fee rate identification code 176M3. Therefore, in the first embodiment, step GS5 in the gateway server 106X is the member store fee rate identification code specifying means 178.

In step GS6, the first gateway server 106X makes a payment processing request to the first member store management server 108X. Specifically, the MXA123013, which is the merchant fee rate identification code 176M3, the credit settlement amount 124, the credit payment method 242, the credit card code 128, the personal identification code 138, the credit settlement completion information 148 such as the credit code 130, etc. 1 Transmit to the member store management server 108X via the dedicated line 152X.

In step AS1, the first member store management server 108X that has received the payment processing request determines “MXA123013” of the received member store fee rate identification code 176M3 in step AS1. Specifically, because the leftmost “M” is a payment processing request from a terminal related to the first international brand 103M, the self-payment of the member store settlement amount 182, the middle “A123” from the member store Acquired that it is 102A and that the merchant fee rate 126 is 3% from the rightmost “3”.

In step AS2, by referring to the member store table 198, it is specified that the payment of the member store 102A is performed by using the member store settlement bank code 212 122A123 as the member store settlement bank 112a and the member store account code 218 214A123. After that, go to step AS3.

In step AS3, the credit settlement amount 124 is multiplied by 3% of the member store fee rate 126 to calculate the member store fee 174 of 45,000 yen, and then the process proceeds to step AS4.

In step AS4, 1555,000 yen which is a merchant settlement amount 182 obtained by subtracting 45,000 yen which is a merchant fee 174 from 1.5 million yen which is a credit settlement amount 124 is calculated, and then the process proceeds to step AS5.

In step AS5, referring to the member store table 198X, the member store settlement bank 112a of the member store 102A is designated with the member store account code 218 of the member store 102A, and the member store settlement amount 182 is obtained from the member store management server 108M. Request transfer and proceed to step AS6. By this transfer request, in step CBS1 described later, the member store settlement amount 182 is transferred to the member store account 122a in the member store settlement bank 112a.

In step AS6, if the member store terminal code 142 managed by itself is not present in the member store fee rate table 162, the first member store management server 108X determines the relevant international brand 103 and manages the international brand 103. After the credit settlement primary information 136 (credit settlement completion information 148) is transmitted to the international brand management server 105, the process proceeds to step S7. In the first embodiment, when the second code 143B from the left end of the member store terminal code 142 is not a code managed by itself, specifically, when the code 143B is not X, the code 143A is discriminated and corresponds. The international brand 103 is transmitted to the international brand management server 105. In other words, since the code 143A is V for the second international brand 103V and the code 134A is J for the third international brand 103J, the second international brand management server managed by the second international brand 103V in these cases 105V or transmitted to the third international brand management server 105J managed by the third international brand 103J. In the second international brand 103V or the third international brand 103J, the code 143B in the second digit from the left is determined and transferred to the corresponding member store management server 108. In the member store management server 108, the same as described above. To be processed.

In step AS7, the international brand 103 of the credit card 118 is determined from the credit card code 128, the credit settlement completion information 148 is transmitted to the international brand management server 105 managed by the international brand 103, and then the process proceeds to step S8. In the first embodiment, it is determined that the credit card code 128 is managed by the first international brand 103M, and is transmitted to the first international brand management server 105M managed by the first international brand 103M.

Thereby, in step IBS1 in the first international brand management server 105M, it is specified from the credit card code 128 that the credit card 118A of the user 114A is a card related to the issuance of the first card issuing company 115A, and then in step IBS2 The credit card payment completion information 148 is transmitted to the first user management server 110A managed by the first card issuing company 115A.

The first user management server 110A that has received the credit settlement completion information 148 collates the credit card code 128 in the user table 202 in step CS3, and “2241141” which is the user settlement bank code 224 for the first user 114A. After specifying (user settlement bank 116a) and user account code 226 “2261141” (user account 184a), the process proceeds to step CS4.

In step CS4, the first member store management server 108X (or designates the user settlement amount 188 obtained by adding the predetermined user fee 186 to the credit settlement amount 124 from the user account 184a in the user settlement bank 116a. A request is made to the management server of the user settlement bank 116a to perform the transfer process for the bank account.

In step CBS1, the member store settlement bank server 112a in the member store settlement bank 112a receives the member store settlement amount 182 and performs a transfer process to the member store account 122a of the member store 102A.

In step UBS1, the user settlement bank 116a makes the first membership from the user account 184a of the user 114A in the user settlement bank 116a in response to a transfer request of the user settlement amount 188 from the first member store management server 108X. After transfer processing to the store management server 108X, in step UBS2, a transfer notification is output to the user management server 110A.

After receiving the transfer notification from the user settlement bank 116a, the user management server 110A confirms the completion of settlement in step CS5 and ends the process.

Next, Embodiment 2 will be described with reference to FIG.
The second embodiment is an example in which, in the first embodiment, the member store fee 174 determined by the member store fee rate 126 and the credit settlement amount 124 is determined by the member store fee 234. In other words, the member store fee 174 is uniquely set by the amount corresponding to the credit settlement amount 124. In the second embodiment, a member store fee table 232 is used instead of the member store fee rate table 162 in the first embodiment. The second embodiment is an example in which the user 114B stores the credit card code 128 managed by the second international brand 103V in the member store 102C and performs a credit settlement using the credit card 118R issued by the card issuing company 115R. The member store 102C has a member store account 122D in the member store settlement bank 112D. In other words, in the member store table 198, the member store settlement bank code 212 and the member store account code 218 of the member store settlement bank 112 of the member store 102C are set corresponding to the member store terminal code 142C. The second member store management server 108J and the member store settlement bank 112 D are connected by a ninth communication line 2309. Since the member store 102C is contracted with the second member store management server 108J, it is connected to the member store terminal 104C via the second gateway server 106Y.

First, the same parts of the member store fee table 232 as those of the member store fee rate table 162 in FIG.
The member store fee table 232 in the second gateway server 106Y corresponds to “VYC12301” which is the member store terminal code 142C of the member store terminal 104C in the member store C, and is determined for each range of the credit settlement amount 124. Membership fee 234 and member store fee identification code 236, for example, if the credit settlement amount 124 is 500,000 yen or less, the member store fee is 500 yen, more than 500,000 yen to 1 million yen or less From 550 yen for merchant fees, from 620 yen for merchant fees in excess of 1 million yen to 2 million yen, from 730 yen for merchant fees in excess of 2 million yen to 3 million yen, from 3 million yen Merchant fee of 840 yen for 4,000,000 yen or less, 950 yen of franchise fee for more than 4 million yen to 5,000,000 yen, and franchise fee of 1,000 yen for more than 5 million yen, and , The merchant fee identification code in the second gateway server 106Y for these 236V1 as VYC1230500, member store fee identification code 236V2 as VYC1230550, member store fee rate identification code 236V3 as VYC1230620, member store fee rate identification code 236V4 as VYC1230730, member store fee rate identification code 236V5 as VYC1230840, member store fee rate as identification VYC1230950 is set as the code 236V6, and VYC1231000 is set as the member store fee rate identification code 236V7. The four-digit number from the right is the merchant fee, the leftmost V is the international brand 103V, and the second digit from the left is Y to identify the second member store management company 107J. In the second member store management server 108J, the international brand 103 and the member store management company 107 can be confirmed by analyzing the left two digits, and then the member store fee 234 is obtained from the four digits on the right end. The amount obtained by subtracting the merchant fee 234 from the credit settlement amount 124 is used as the member store settlement amount 182 and the transfer processing is performed to the member store account 122 of the member store settlement bank 112 of the member store C with reference to the member store table 198. . The remittance of the user settlement amount 188 to the second member store management server 108J is performed by analyzing the credit card code 128C in the user management server 110R, and other processes are the same as in the first embodiment. Thus, even when the member store fee 234 is set directly as the fee, it is possible to make the member store fee 234 advantageous as in the first embodiment, so that the flexibility of the sales promotion measure is improved. There is an advantage that the first object of the present invention can be achieved.

Next, Embodiment 3 will be described with reference to FIGS.
The third embodiment is an example in which a credit payment method 242 is used as the credit settlement condition 120. In other words, instead of the member store fee rate table 162, a payment method member store fee rate table 244 is used. The payment method refers to a payment method for the credit settlement amount 124, and refers to one-time payment, installment payment, revolving payment, or the like. For example, as shown in FIG. 16, when the member store terminal code 142 is VYC12301 in the member store 102C and the payment method 242 in the card issuing company 115L is revolving payment, the member store fee rate is 2%. Yes, VYC123012 is set as the merchant fee rate identification code 176L2 for this, and in case of three or more installments, the merchant fee rate is 3%, and VYC123013 is set as the merchant fee rate identification code 176L3 for this In the case of one or two installments, the merchant fee rate is 4%. For this, VYC123014 is set as the merchant fee rate identification code 176L4. Is 5%, and VYC123015 is set as the member store fee rate identification code 176L5 for this.

Next, the operation of the third embodiment will be described with reference to FIG. The case of using the payment method member store fee table 244 based on the payment method 242 of the third embodiment is also processed by the steps GS1 to GS6 in the second gateway server 106Y as in the first embodiment, but in the third embodiment, the step GS5 , The merchant fee rate identification code 176 is identified based on the payment method 242 information transmitted from the merchant terminal 104C. For example, in the case of revolving payment, the member store fee rate identification code 176L2 is specified and provided to the second member store management server 108J. Specifically, the second member store management server 108J obtains that the member store fee rate is 2% from the member store fee rate identification code 176L2 in step AS1. Subsequent processing is the same as in the first embodiment.

Next, a fourth embodiment will be described with reference to FIGS.
In the fourth embodiment, a brand member store fee table 246 based on the international brand 103 or the card issuing company 115 is used as the credit payment condition 120 in place of the credit settlement amount 124 in the first embodiment. Example 4 is an example using the international brand 103. For example, in the brand member store fee table 246, if the member store terminal code 142 is MXB12301 in the member store B and the credit card 118 has the credit card code 128 managed by the international brand 103M, the credit When payment amount 124 is 1 million yen or less When merchant fee rate is 5%, when MXB123015 is set as merchant fee rate identification code 176M5, and credit settlement amount 124 exceeds 1 million yen and less than 5 million yen If the merchant fee rate is 3%, MXB123013 is set as the merchant fee rate identification code 176M3 for this, and if the credit settlement amount exceeds 5 million yen, the merchant fee rate is 1%. MXB123011 is set as the fee rate identification code 176M1. On the other hand, when a credit card 118 having a credit card code 128 managed by the second international brand 103V or the third international brand 103J other than the first international brand 103M is used, regardless of the credit settlement amount 124, the member store fee The rate is 5%, and ZXB123015 is set as the member store fee rate identification code 176Z5 for this.

Next, the operation of the fourth embodiment will be described with reference to FIG.
Similarly to the first embodiment, the brand member store fee table 246 based on the international brand 103 of the fourth embodiment is processed in steps GS1 to GS6 in the second gateway server 106Y. In step GS5 in the fourth embodiment, Based on the credit card company information of the credit card 118 transmitted from the member store terminal 104B, the member store fee rate identification code 176 is specified. For example, when paying 3 million yen with a credit card 118R issued by a card issuing company 115R that owns the credit card code 128 managed by the international brand 103M, the franchise fee rate in the franchise store fee table 246 The identification code 176M3 is specified and provided to the first member store management server 108M. Then, the first member store management server 108M acquires that the member store fee rate is 3% from the member store fee rate identification code 176M3 in step AS1. Subsequent processing is the same as in the first embodiment. When the credit card 118 issued by the card issuing company 115 having the credit card code 128 managed by other than the first international brand 103M is used, the member store fee rate identification code 176Z5 is acquired. Therefore, in the fourth embodiment, the use of the credit card 118 managed by the first international brand 103M is more advantageous than the use of the credit card 118 managed by the other international brand 103.

Next, a fifth embodiment will be described with reference to FIGS.
In the fifth embodiment, a card grade member store fee table 248 based on the card grade 238 in the credit card 118 is used as the credit settlement condition 120. The card grade 238 is a class set to make a difference in the contents of the service, even for the international brand 103 or the credit card 118 in the card issuing company 115. For example, as shown in FIG. There are Platinum 238C1 for good service, Gold 238C2 for second best service, and Silver 238C3 for third best service. In the card grade member store fee table 248, the member store fee rate 126 is set to 3% for platinum 238C1, 4% for gold 238C2, and 5% for silver 238C3. Thus, for example, if the member store terminal code 142 is VYD12301 in the member store 102D and the card grade 238 in the second international brand 103V is platinum 238C1, the member store fee rate is 3%. If VYD1231C3 is set as the merchant fee rate identification code 176V3 for Gold, the merchant fee rate is 4% for Gold 238C2, and VYD1231C4 is set as the merchant fee rate identification code 176V4 for Silver 238C3 In this case, the member store fee rate is 5%, and VYD1231C5 is set as the member store fee identification code 174V5 for this.

Next, the operation of the fifth embodiment will be described with reference to FIG.
The case where the card grade 238 of the credit card 118 is platinum 238C1 will be described as an example. The card grade member store fee table 248 of the fifth embodiment is also processed in steps GS1 to GS6 in the second gateway server 106Y as in the first embodiment. In the fifth embodiment, in the step GS5, the member store terminal is processed. The card grade 238 of the credit card 118 is determined from the credit card code 128 transmitted from the machine 104D, and the member store fee rate identification code 176 is specified. In the fifth embodiment, since the credit card 118 is a platinum 238C1 card in the international brand 103V, the member store fee rate identification code 176V3 is specified in the card grade member store fee table 248, and the second member store management server. Provided to 108J. Specifically, the second member store management server 108J acquires that the member store fee rate is 3% from the member store fee rate identification code 176V3 in step AS1. Subsequent processing is the same as in the first embodiment.

Next, Embodiment 6 will be described with reference to FIGS.
In the sixth embodiment, the union member store fee table 252 that combines at least two of the credit settlement conditions 120 described in the first to fifth embodiments is used as the credit settlement condition 120.
As the association member store fee table 252, for example, it is preferable to combine the international brand 103 and the credit settlement amount 124. However, it is possible to combine at least two, and it is possible to combine all exemplified in the first to fifth embodiments.
In FIG. 22, the international brand 103, the credit settlement amount 124, and the credit payment method 242 are combined. Specifically, when the international brand 103 is the first international brand 103M and the credit settlement amount is less than 1 million yen, and the revolving payment is used, the merchant fee rate 126 is 2% and the membership In case of installment payment to MXA123012 with store fee rate identification code 176 of 176M2, when paying once to MXA123014 with member store fee rate 126 of 4% and member store fee rate identification code 176 of 176M4, MXA123016, where the merchant fee rate 126 is 6% and the merchant fee rate identification code 176 is 176M6, and the credit settlement amount 124 is 1 million yen or more. Is MXA123011 whose merchant fee rate identification code 176 is 176M1, and in the case of installment payment, MXA123013 whose merchant fee rate 126 is 3% and whose merchant fee rate identification code 176 is 176M3, If you pay once, It is set in MXA123015 in which the member store fee rate 126 is 5% and the member store fee rate identification code 176 is 176M5. In addition, when the international brand 103 is other than the first international brand 103M, when the credit settlement amount 124 and the payment method 242 are all, the member store fee rate 126 is 6%, and the member store fee rate identification code 176 is set to ZXA123016, which is 176Z6. In this case, the international brand 103, the credit settlement amount 124, and the payment method 242 can be combined to take a detailed business promotion measure.

Next, the operation of the sixth embodiment will be described with reference to FIG. It is assumed that the credit card 118 used is the credit card code 128 managed by the first international brand 103M and the credit settlement amount 124 is 100,000 yen.
The union member store fee table 252 of the sixth embodiment is also processed by steps GS1 to GS6 in the first gateway server 106X as in the first embodiment. In the sixth embodiment, the step GS5 is divided into a plurality of steps unlike the first embodiment. Therefore, the steps corresponding to the step GS5 of the first embodiment will be described separately as steps S50 to S5X.

In step S50, first, the credit settlement amount 124 is read from the credit settlement completion information 148 transmitted from the member store terminal 104D to determine whether it is 1 million yen or more and less than 1 million yen, and 1 million yen or more. If it is, the process proceeds to Step GS51, and if it is less than 1 million yen, the process proceeds to Step GS52.

In step GS51, it is determined whether or not revolving payment is made. If revolving payment is made, the process proceeds to step GS53, and if not revolving payment, the process proceeds to step S54.

In step S53, the member store fee rate 126 is set to 1%, and the process proceeds to step GS5X1.

In step GS5X1, the member store fee rate identification code 176M1 MXA123011 corresponding to the member store fee rate 126 of 1% is specified, and the process proceeds to step GS6. Since the operation in step GS6 is the same as that in the first embodiment, the description thereof is omitted.

In step GS54, it is determined whether it is installment payment. If it is installment payment, the process proceeds to step GS55, and if it is not installment payment, the process proceeds to step GS56.

In step GS55, the member store commission rate 126 is set to 3%, and the process proceeds to step GS5X1.

In step GS5X1, the member store fee rate identification code 176M3 MXA123013 corresponding to the member store fee rate 126 of 3% is specified, and the process proceeds to step GS6.

In step GS56, the member store fee rate 126 is set to 5%, and the process proceeds to step GS5X1.

In step GS5X1, the member store fee rate identification code 176M5 MXA123015 corresponding to the member store fee rate 126 of 5% is specified, and the process proceeds to step GS6.

If the credit settlement amount 124 is less than 1 million yen, it is determined whether or not revolving payment is made in step GS52. If it is revolving payment, the process proceeds to step GS58, and if not revolving payment, the process proceeds to step GS57.

In step GS58, the member store commission rate 126 is set to 2%, and the process proceeds to step GS5X1.

In step GS5X1, the member store fee rate identification code 176M2 MXA123012 corresponding to the member store fee rate 126 of 2% is specified, and the process proceeds to step GS6.

In step GS57, it is determined whether or not it is installment payment. If it is installment payment, the process proceeds to step GS59, and if it is not installment payment, the process proceeds to step GS5X.

In step GS59, the member store commission rate 126 is set to 4%, and the process proceeds to step GS5X1.

In step GS5X1, the member store fee rate identification code 176M4 MXA123014 corresponding to the member store fee rate 126 of 4% is specified, and the process proceeds to step GS6.

In step GS5X, the member store commission rate 126 is set to 6%, and the process proceeds to step GS5X1.

In step GS5X1, the member store fee rate identification code 176M6 MXA123016 corresponding to the member store fee rate 126 of 6% is specified, and the process proceeds to step GS6.

Next, Example 7 will be described.
In the seventh embodiment, when the credit settlement condition 120 in the sixth embodiment is 2 or more, the other store settlement rate 120 is determined based on the credit settlement amount 124, whereby the member store fee rate identification code 176 is specified. It is made to be done. For example, the credit settlement amount 124 is first determined, and the payment method 242 is determined based on the result, whereby the member store fee rate 126 can be determined. This is because the credit settlement amount 124 is reflected most in the member store fee 174, and therefore the sales promotion measure can be effectively performed by relating the other credit settlement conditions 120 based on the amount of the credit settlement amount 124.

100 credit processing equipment
102 member stores
104 Merchant terminal
106 Gateway server
108 Merchant management server
112 Merchant settlement bank
120 Credit payment terms
122 Merchant account
124 Credit settlement amount
126 Merchant commission rate
142 Merchant terminal code
142 Merchant terminal code
162 Merchant commission rate table
174 Merchant fees
176 Merchant fee rate identification code
178 Merchant fee rate identification code identification method
182 Merchant settlement amount

Claims (1)

At least the member store terminal code (142) and the credit settlement amount (124) are transmitted from the member store terminal (104) to the member store management server (108) via the gateway server (106), and the member store management server In (108), by subtracting the merchant fee (174) from the credit settlement amount (124) to the merchant account (122) in the merchant settlement bank (112), transfer processing is performed by the merchant (102) A credit processing device for merchants that performs credit sales settlement for
The gateway server (106)
Corresponding to the credit settlement conditions (120) associated with the merchant terminal code (142) including at least one of the credit settlement amount, credit payment method, international brand, card issuer, or card grade A merchant fee rate table (162) in which a merchant fee rate identification code (176) representing a plurality of defined merchant fee rates (126) is set;
The member store terminal code (142) and the credit settlement amount (124) transmitted from the member store terminal (104) and the member store terminal code (142) set in the member store fee rate table (162) And the corresponding merchant fee rate identification code (176) corresponding to these, and at least the identified merchant fee rate identification code (176) and the credit settlement amount (124) Is provided with a merchant fee rate identification code specifying means (178) that provides a corresponding merchant management server (108),
The member store management server (108) calculates the member store fee (174) based on the member store fee rate identification code (176) provided from the gateway server (106) and receives the received credit settlement amount (124 ) The merchant settlement amount (182) obtained by subtracting the calculated merchant fee (174) from the merchant account (122) in the merchant settlement bank (112) is transferred to,
A credit processing device.

Images