JP2018005734A - Settlement apparatus and settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technique capable of a person, who is a person other than the credit card contractor and does not carry any credit card medium relevant to the contract of the credit card, to safely and easily use a function of the credit card of a contractor.SOLUTION: The settlement apparatus includes: a credit card transactions processing part that receives a settlement request which includes a piece of coded image information which includes a piece of information for identifying the credit card and a piece of information relevant to the conditions of settlement object using the credit card and a piece of information of the settlement object, and carries out the settlement; and a payment approval processing part that, when the information of the settlement object satisfies the conditions of the settlement object, which is obtained by decoding the image information in the settlement request, approves the payment relevant to the settlement request.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a settlement apparatus and a settlement method.

  Payment using a credit card for acting as a payment by a credit card company has been widespread when giving and receiving money as consideration for providing various goods and services. Generally, in such payment, payment is performed by reading electronic information via a reading terminal with respect to a credit card that stores predetermined electronic information based on a credit card usage contract of the consumer of goods and services.

  In Patent Document 1, a reading unit that reads card information recorded on a card, a transmission unit that transmits all or part of the read card information, a receiving unit that receives address information corresponding to the card information, A device having means for outputting received address information to a navigation device or the like is described.

JP 2002-259515 A

  The above technology is to make a payment using a credit card medium based on a credit card use contract of a consumer of goods and services. Therefore, it cannot be said that the credit card contract is not effective in a use situation where the credit card contract is not based on the consumer and the consumer needs to be allowed to use the credit card temporarily. For example, in the case of usage where the payment of a close relative such as a child who does not have a credit card medium is covered by the credit card usage contract of the parent, it is not possible to make a secure payment using a credit card could not.

  An object of the present invention is to provide a technology that allows a person other than a credit card contractor who does not have a credit card medium related to the credit card contract to use the credit card function of the contractor safely and easily. There is to do.

  The present application includes a plurality of means for solving at least a part of the above-described problems. Examples of such means are as follows. A settlement apparatus according to an aspect of the present invention accepts a settlement request including image information encoded information including information specifying a credit card and conditions for settlement by the credit card, and settlement target information. A credit card payment processing unit that performs payment, and a payment approval process that approves payment related to the payment request when the payment target information satisfies a payment target condition obtained by decoding the image information in the payment request. And a section.

  Further, in the payment apparatus, when the request for the condition to be settled by the credit card is received and the approval of the credit card contractor is obtained for the received request for the condition, information for identifying the credit card And a pre-payment approval processing unit that encodes information including the condition to be settled by the credit card and generates the image information.

  Further, in the above-described settlement apparatus, when the pre-payment approval processing unit obtains approval for the above-mentioned condition of the settlement target from a permission target authorized in advance by the credit card contractor, the image information is displayed. It may be characterized by generating.

  Further, in the above-described payment apparatus, the pre-payment approval processing unit obtains approval for each payment object and is approved when the request for the above conditions for the payment object is received for each payment object. The image information including one or a plurality of desired payment condition may be generated.

  In the payment apparatus, the pre-payment approval processing unit may display a message to the payment requesting source for an object that has not been approved among the payment objects. Good.

  Moreover, in the payment apparatus, the condition for the payment target may include information on purchased products.

  In the payment apparatus, the condition to be settled may include an upper limit price of a purchased product.

  In the above settlement apparatus, the condition to be settled may include the quantity of purchased products.

  A credit card settlement method according to another aspect of the present invention is a credit card settlement method using a settlement apparatus, wherein the settlement apparatus stores a control unit and card information for storing the credit card information. A storage unit, and the control unit includes a payment request including image information obtained by encoding information including information for identifying a credit card and the conditions for payment by the credit card, and information for payment A credit card payment processing step for accepting and paying, and payment for approving the payment related to the payment request when the payment target information satisfies a payment target condition obtained by decoding the image information in the payment request And an approval processing step.

  According to the present invention, a person other than a credit card contractor who does not have a credit card medium related to the credit card contract can use the contractor's credit card function safely and easily.

  Problems, configurations, and effects other than those described above will become apparent from the following description of embodiments.

It is a block diagram of the payment system concerning an embodiment. It is a figure which shows the data structure stored in a card information storage part. It is a figure which shows the data structure stored in the purchase wish information storage part. It is a figure which shows the data structure stored in a merchandise information storage part. It is a figure which shows the hardware structural example of a payment apparatus. It is a figure which shows the hardware structural example of a buyer terminal. It is a figure which shows the hardware structural example of a store payment apparatus. It is a figure which shows the flow of advance payment approval utilization processing. It is a figure which shows the flow of a payment approval utilization process. It is a figure which shows the example of the substitute payer selection screen of a prior payment approval utilization process. It is a figure which shows the example of the prior approval goods input screen of a prior payment approval utilization process. It is a figure which shows the example of the prior approval screen of a prior payment approval utilization process. It is a figure which shows the example of the proxy payment message screen of a payment approval utilization process. It is a figure which shows the example of the proxy payment approval screen of payment approval utilization processing. It is a figure which shows the example of the proxy payment confirmation screen of payment approval utilization processing. It is a figure which shows the example of the proxy payment refusal message input screen of payment approval utilization processing.

  Hereinafter, a settlement system 1 to which an embodiment according to an aspect of the present invention is applied will be described with reference to the drawings.

  In general, payment for the purchase of goods using a credit card is widespread, but due to the nature of the credit card, even if the product to be purchased is given to a person other than the credit card contractor, The person who is given a gift cannot be used. On the other hand, in such a case, a copy of a credit card called a family card can be issued and the payment of the purchase by the giftee can be delegated, but against the loss or misuse of the family card There are few effective countermeasures.

  When the settlement system 1 according to the present embodiment is used, a user who is not a credit card contractor and who does not have a credit card medium related to the credit card contract can safely and easily use the credit card function of the contractor. Can be used. Further, it is possible to further increase the safety against misuse of the credit card function.

  FIG. 1 is a block diagram of a payment system 1 according to the present embodiment. The settlement system 1 includes a settlement apparatus 100, a purchaser terminal 200, a credit card contractor terminal 300, and a store settlement apparatus 400.

  The purchaser terminal 200 is a terminal used by a purchaser who is not a credit card contractor but temporarily becomes a contractor and temporarily uses the credit card function to attend. A mechanism in which a person who is not a credit card contractor becomes a contractor and makes a purchase using the credit card function temporarily may be described as proxy settlement in the present embodiment. The credit card contractor terminal 300 is a terminal that is communicably connected to the settlement apparatus 100 via the network 50 and is used by a party of a credit card contract related to a credit card. The store settlement apparatus 400 is owned by a person who receives payment for a product, etc., and performs processing related to money transfer related to the purchase of the product, such as payment of a product price and issuance of a receipt. For example, the store settlement apparatus 400 is a POS (Point Of Sales) terminal.

  Note that the purchaser terminal 200 and the credit card contractor terminal 300 may be terminals such as smartphones that are held and used by customers regardless of the credit card.

  The network 50 is a communication network such as a LAN (Local Area Network), a WAN (Wide Area Network), the Internet, and a mobile phone network. The network 50 may be a VPN (Virtual Private Network) or the like on a wireless communication network such as a mobile phone communication network.

  The settlement apparatus 100 is a so-called server apparatus. However, the present invention is not limited to this, and the settlement apparatus 100 may be various information processing apparatuses such as a personal computer, a smartphone, a workstation, a PDA (Personal Data Assistant), and a tablet device.

  The settlement apparatus 100 accepts a request for prior use approval including designation of a proxy payer by the credit card function from the purchaser terminal 200 via the network 50. Further, the settlement apparatus 100 accepts a usage approval request including designation of a proxy payer by the credit card function from the purchaser terminal 200 via the network 50. Further, the payment apparatus 100 receives a request for payment related to the purchase of a product or the like using a credit card from the store payment apparatus 400 via the network 50.

  In addition, when the settlement apparatus 100 accepts a settlement request accompanied by a use approval, if there is a prior approval, the settlement apparatus 100 performs a settlement process if the settlement is within the range of the conditions, and otherwise rejects the settlement. If there is no prior approval, the payment details are transmitted to the credit card contractor terminal 300 to accept the approval. If it is approved, the settlement process is performed, and if not, the settlement is rejected.

  The purchaser terminal 200 and the credit card contractor terminal 300 are terminals such as personal computers and tablet devices, for example. However, the present invention is not limited to this, and each device may be various information processing devices such as a smartphone, a workstation, and a PDA.

  When the purchaser terminal 200 and the credit card contractor terminal 300 receive an instruction to display and output a predetermined screen from the settlement apparatus 100 via the network 50, the purchaser terminal 200 and the credit card contractor terminal 300 perform output processing. In addition, the purchaser terminal 200 and the credit card contractor terminal 300 transmit input information received from an input device described later provided in the own device to the settlement device 100 via the network 50.

  The store settlement apparatus 400 reads a credit card or a coded image displayed on the screen of the purchaser terminal 200 instead, such as a barcode or a two-dimensional barcode (for example, QR code (registered trademark)). , It is transmitted to the payment apparatus 100 together with the identifier of the product to be paid. In the process in which the store settlement apparatus 400 reads the encoded image, a range of an image such as a barcode reflected in the image is detected, and the image in the range is transmitted to the settlement apparatus 100. However, the present invention is not limited thereto, and the store settlement apparatus 400 may identify a card number by analyzing characters reflected in an image by OCR (Optical Character Recognition). Further, the store settlement apparatus 400 may read the electronic information that the purchaser terminal 200 has via, for example, an IC tag reader and transmit it to the settlement apparatus 100.

  The settlement apparatus 100 includes a control unit 110, a storage unit 120, and a communication unit 130. The control unit 110 includes a pre-payment approval processing unit 111, a payment approval processing unit 112, a credit card settlement processing unit 113, a billing processing unit 114, and a barcode generation unit 115.

  The pre-payment approval processing unit 111 performs pre-approval processing for obtaining pre-approval regarding the use from the contractor of the credit card in the case of proxy settlement. That is, the pre-payment approval processing unit 111 receives information such as a product scheduled to be purchased from the purchaser terminal 200, and delivers information specifying the product scheduled for purchase and a requester of approval to the credit card contractor terminal 300. . When the advance payment approval processing unit 111 receives information on the product to be approved from the credit card contractor terminal 300, the advance payment approval processing unit 111 assigns a permission identifier indicating that the product has been approved, and stores it in the storage unit 120. At the same time, when the prepayment approval processing unit 111 obtains approval for the desired condition of the payment target from the permission target authorized by the credit card contractor in advance, the prepaid approval processing unit 111 requests the bar code generation unit 115 to Image information including a permission identifier is generated.

  Further, the pre-payment approval processing unit 111 receives an image in which a barcode is reflected, analyzes the barcode, and specifies a card identifier and a permission identifier included in the barcode. In addition, the pre-payment approval processing unit 111 determines whether the product, price, and quantity of the product tag information are within the scope of permission for proxy settlement, and whether the permission identifier matches that at the time of permission. Determine whether.

  In addition, the prepayment approval processing unit 111 transmits the text information input as a message indicating the reason for not approving the object that has not been approved among the payment objects to the purchaser's terminal 200 that is the settlement request source, and displays it. .

  The payment approval processing unit 112 performs an approval process for obtaining approval at the time of payment regarding the use from the credit card contractor upon proxy settlement. That is, the payment approval processing unit 112 receives information such as a product to be purchased from the purchaser terminal 200, and delivers information specifying the product to be purchased and a requester of approval to the credit card contractor terminal 300. When the payment approval processing unit 112 receives information on a product to be approved from the credit card contractor terminal 300, the payment approval processing unit 112 causes the credit card payment processing unit 113 to perform a payment process.

  The credit card settlement processing unit 113 is a settlement using a card that can use a credit card function, a settlement by a pre-approval using a purchaser terminal 200 that can use proxy settlement, and a purchaser terminal that can use proxy settlement. It is possible to perform settlement by purchase approval using 200. Note that the credit card settlement processing unit 113 performs settlement for settlement by proxy settlement when there is prior or immediate approval. In this way, the credit card function can be used by anyone other than the contractor. Also, unauthorized use can be avoided.

  The billing processing unit 114 performs processing related to billing in order to request the credit management company for payment using the credit card function. Specifically, the billing processing unit 114 performs processing such as outputting and sending a bill to a credit card contractor. The bill may be a printed paper medium or electronic data.

  The barcode generation unit 115 generates barcode information. Specifically, the barcode generation unit 115 receives and encodes predetermined character information to be included, such as a card identifier of a credit card, and generates a predetermined barcode associated with the character information. Note that the barcode generation unit 115 may be anything that generates coded and visually comprehensible image information. For example, the barcode generation unit 115 may be a barcode such as a two-dimensional barcode, a color code, a hologram code, or the like. Good.

  The storage unit 120 includes a card information storage unit 121 and a purchase wish information storage unit 122.

  FIG. 2 is a diagram illustrating a data structure stored in the card information storage unit 121. In the card information storage unit 121, for each card identifier 121A for identifying a credit card, a card contractor 121B, a contact address 121C, and a proxy payment permission target person 121D are stored in association with each other. The card contractor 121B is information for identifying a credit card contractor, such as a contractor number. The contact address 121C is a contact information of the contractor specified by the card contractor 121B. The proxy settlement permission target person 121D is a target person to whom the contractor specified by the card contractor 121B permits proxy settlement in advance.

  FIG. 3 is a diagram illustrating a data structure stored in the purchase wish information storage unit 122. The purchase request information storage unit 122 stores information such as an upper limit amount, a permission identifier, and a permission deadline for each purchase target by proxy payment by a person who desires proxy payment instead of a contractor.

  The purchase wish information storage unit 122 includes a card identifier 122A, a wish identifier 122B, a desirer 122C, a purchase target 122D, an upper limit amount 122E, a permission identifier 122F, and a permission expiration date 122G.

  The card identifier 122A is information for specifying a credit card. The hope identifier 122B is information for specifying a group of desired purchase targets as a unit for permitting proxy settlement. The applicant 122C is information for identifying a person who desires payment by proxy payment. The purchase target 122D is information for specifying a product or service that is a target for which payment is desired by proxy payment. The upper limit amount 122E is information for specifying the upper limit of the amount that can be settled for the proxy settlement request specified by the desire identifier 122B. The permission identifier 122F is a traceable identifier assigned by a predetermined algorithm to the approval as to whether or not the proxy payment is approved with respect to the proxy payment request specified by the desire identifier 122B. . The permission time limit 122G is information for specifying the time limit for which the approval of the proxy payment is valid with respect to the proxy payment request specified by the desire identifier 122B.

  The communication unit 130 communicates with the purchaser terminal 200, the credit card contractor terminal 300, and the store settlement apparatus 400, which are other devices, via the network 50.

  The purchaser terminal 200 includes a display unit 210, an input receiving unit 220, a communication unit 230, and a browser processing unit 240. When the display unit 210 receives screen information of a predetermined format instructed to be displayed from the settlement apparatus 100 from the communication unit 230, the display unit 210 renders the information on the display device. The input reception unit 220 receives an input instruction from an operator of the purchaser terminal 200, for example, a person who requests proxy payment, and transmits the input instruction to the payment apparatus 100. The communication unit 230 communicates with the payment apparatus 100 as another apparatus via the network 50.

  The browser processing unit 240 is a processing unit that implements a so-called Internet browser function that controls display of a Web page. The browser processing unit 240 realizes an Internet browser function by combining the display unit 210, the input receiving unit 220, and the communication unit 230.

  The credit card contractor terminal 300 includes a display unit 310, an input receiving unit 320, a communication unit 330, and a browser processing unit 340. When the display unit 310 receives screen information of a predetermined format instructed to be displayed from the settlement apparatus 100 from the communication unit 330, the display unit 310 draws the information on the display device. The input receiving unit 320 receives an input instruction from an operator of the credit card contractor terminal 300, for example, a person who receives a proxy payment request, and transmits it to the payment apparatus 100. The communication unit 330 communicates with the settlement apparatus 100 that is another apparatus via the network 50.

  The browser processing unit 340 is a processing unit that implements a so-called Internet browser function that controls display of a Web page. The browser processing unit 340 realizes an Internet browser function by combining the display unit 310, the input receiving unit 320, and the communication unit 330.

  The store settlement apparatus 400 includes a control unit 410, a storage unit 420, and a communication unit 430. The control unit 410 includes a store settlement processing unit 411 and a barcode reading processing unit 412.

  When the store settlement processing unit 411 receives a product identifier for identifying a product to be purchased, the store settlement processing unit 411 reads detailed information on the product to be purchased from the product information storage unit 421 and performs settlement. The store settlement processing unit 411 performs settlement by any of various known methods such as cash settlement, credit card settlement, point card settlement, and settlement by proxy settlement. In the case of payment by proxy payment, the store payment processing unit 411 reads the barcode generated for the approved proxy payment request, reads the permission identifier, and transmits it to the payment apparatus 100 together with the product identifier.

  The barcode reading processing unit 412 optically reads a barcode or the like with a camera or the like, performs decoding processing, and acquires information stored in the barcode such as a card identifier used for proxy settlement.

  The storage unit 420 includes a product information storage unit 421.

  FIG. 4 is a diagram illustrating a data structure stored in the product information storage unit 421. In the product information storage unit 421, for each product identifier 421A for identifying a product, a product name 421B, a color 421C, a manufacturer 421D, and an actual price 421E are stored in association with each other. The product name 421B, the color 421C, and the manufacturer 421D are information related to the name of the product and the color and the manufacturer of the product, respectively, when there is a base color that distinguishes the product. The prevailing price 421E is the actual selling price of the product.

  The communication unit 430 communicates with the purchaser terminal 200, the credit card contractor terminal 300, and the settlement apparatus 100, which are other apparatuses, via the network 50.

  FIG. 5 is a diagram illustrating a hardware configuration example of the payment apparatus 100. The settlement apparatus 100 includes an arithmetic device 101, a main storage device 102, an external storage device 103, a communication device 104, and a bus 105 that connects the devices. In addition, the settlement apparatus 100 may include an input device.

  The arithmetic device 101 is an arithmetic device such as a CPU (Central Processing Unit).

  The main storage device 102 is a memory device such as a RAM (Random Access Memory).

  The external storage device 103 is a non-volatile storage device such as a so-called hard disk (Hard Disk Drive), SSD (Solid State Drive) or flash memory capable of storing digital information.

  The communication device 104 is a device such as a network card that establishes a communication path with other devices such as the purchaser terminal 200, the credit card contractor terminal 300, and the store settlement device 400 via the network 50 and transmits / receives information. .

  The input device is various input devices such as a keyboard, a mouse, and a touch panel.

  The input device, the arithmetic device 101, the main storage device 102, the external storage device 103, and the communication device 104 are connected to each other by a connecting conductor such as a bus 105.

  The pre-payment approval processing unit 111, the payment approval processing unit 112, the credit card payment processing unit 113, the billing processing unit 114, and the barcode generation unit 115 of the payment apparatus 100 perform processing on the arithmetic device 101. It is realized by the program to make. This program is stored in the main storage device 102, the external storage device 103, or a ROM device (not shown), loaded onto the main storage device 102 for execution, and executed by the arithmetic unit 101.

  The storage unit 120 of the settlement apparatus 100 is realized by the main storage device 102 and the external storage device 103. Further, the communication unit 130 of the settlement apparatus 100 is realized by the communication apparatus 104. The above is an example of the hardware configuration of the payment apparatus 100.

  Each configuration of the settlement apparatus 100 can be classified into more components depending on the processing content. Moreover, it can also classify | categorize so that one component may perform more processes.

  In addition, each control unit (pre-payment approval processing unit 111, payment approval processing unit 112, credit card settlement processing unit 113, billing processing unit 114, bar code generation unit 115) has dedicated hardware ( ASIC, GPU, etc.). Further, the processing of each control unit may be executed by one hardware, or may be executed by a plurality of hardware.

  FIG. 6 is a diagram illustrating a hardware configuration example of the purchaser terminal 200. The purchaser terminal 200 includes an input device 201, an arithmetic device 202, an external storage device 203, a main storage device 204, an output device 205, a communication device 206, and a bus 207 that connects the devices.

  The input device 201 is various input devices such as a keyboard, a mouse, and a touch panel. The arithmetic device 202 is an arithmetic device such as a CPU. The external storage device 203 is a non-volatile storage device such as a so-called hard disk, SSD, or flash memory that can store digital information.

  The main storage device 204 is a memory device such as a RAM. The output device 205 is a display device such as a liquid crystal display or an organic EL display. The communication device 206 is a device such as a network card that establishes a communication path with another device such as the payment device 100 via the network 50 and transmits and receives information.

  The input device 201, the arithmetic device 202, the external storage device 203, the main storage device 204, the output device 205, and the communication device 206 are connected to each other by a connecting conductor such as a bus 207.

  The display unit 210, the input receiving unit 220, and the browser processing unit 240 of the purchaser terminal 200 described above are realized by a program that causes the arithmetic device 202 to perform processing. The program is stored in the main storage device 204, the external storage device 203, or a ROM device (not shown), loaded onto the main storage device 204 for execution, and executed by the arithmetic device 202.

  In addition, the communication unit 230 of the purchaser terminal 200 is realized by the communication device 206. The above is the hardware configuration example of the purchaser terminal 200.

  Each configuration of the purchaser terminal 200 can be classified into more components according to the processing content. Moreover, it can also classify | categorize so that one component may perform more processes.

  Each control unit (display unit 210, input reception unit 220, communication unit 230, browser processing unit 240) may be constructed by hardware (ASIC, GPU, etc.). Further, the processing of each control unit may be executed by one hardware, or may be executed by a plurality of hardware.

  Note that the credit card contractor terminal 300 also has substantially the same hardware configuration as the purchaser terminal 200, and therefore the description thereof is omitted.

  FIG. 7 is a diagram illustrating a hardware configuration example of the store settlement apparatus 400. The store settlement apparatus 400 includes an input device 401, an arithmetic device 402, a main storage device 403, an output device 404, a communication device 405, an imaging device 406, and a bus 407 that connects the devices.

  The input device 401 is various input devices such as a keyboard, a mouse, and a touch panel. The arithmetic device 402 is an arithmetic device such as a CPU. The main storage device 403 is a memory device such as a RAM. The output device 404 is a display device such as a liquid crystal display or an organic EL display. The communication device 405 is a device such as a network card that establishes a communication path with other devices such as the payment device 100 via the network 50 and transmits and receives information. The imaging device 406 is a so-called camera, and obtains an optical image as digital image data for a predetermined viewing angle.

  The input device 401, the arithmetic device 402, the main storage device 403, the output device 404, the communication device 405, and the imaging device 406 are connected to each other by a connecting conductor such as a bus 407.

  The store settlement processing unit 411 and the barcode reading processing unit 412 of the store settlement apparatus 400 described above are realized by a program that causes the arithmetic device 402 to perform processing. This program is stored in the main storage device 403 or a ROM device (not shown), loaded onto the main storage device 403 for execution, and executed by the arithmetic unit 402. The merchandise information storage unit 421 of the store settlement apparatus 400 is realized by being stored in the main storage device 403 or a ROM device (not shown). The barcode reading processing unit 412 controls the imaging device 406 to read a barcode as digital image data.

  The communication unit 430 of the store settlement apparatus 400 is realized by the communication apparatus 405. The above is the hardware configuration example of the store settlement apparatus 400.

  Each configuration of the store settlement apparatus 400 can be classified into more components depending on the processing content. Moreover, it can also classify | categorize so that one component may perform more processes.

  Further, each control unit (store settlement processing unit 411, barcode reading processing unit 412) may be constructed by hardware (ASIC, GPU, etc.). Further, the processing of each control unit may be executed by one hardware, or may be executed by a plurality of hardware.

  [Description of Operation] Next, the operation of the settlement system 1 in this embodiment will be described.

  FIG. 8 is a diagram showing a flow of advance payment approval use processing. The pre-payment approval use process is started when an instruction to start is obtained from the purchaser terminal 200 used by a person who desires proxy settlement, that is, a person who is not a credit card contractor. Note that the advance payment approval use processing is started not only when the start instruction is obtained from the purchaser terminal 200 but also when the instruction is obtained from the credit card contractor terminal 300 or other various terminals (not shown). . The pre-payment approval use process includes a process for obtaining pre-approval using a credit card function, a process performed at the time of actual settlement, and a process for charging a credit card contractor based on the settlement. , Including the flow.

  First, the pre-payment approval processing unit 111 of the settlement apparatus 100 accepts a desired product, quantity, approximate price, and the like, and a proxy payer designation from the purchaser (step S001). Specifically, the advance payment approval processing unit 111 transmits a predetermined input screen to the purchaser terminal 200, and inputs information such as the desired product and its quantity, the approximate price of each product, and the designation of the proxy payer. Accept. The advance payment approval processing unit 111 determines whether or not the designation is made from the proxy settlement permission target person 121D related to the proxy payer. A desired identifier common to the desired products is assigned and stored in the purchase request information storage unit 122. That is, the advance payment approval processing unit 111 stores the card identifier 122A, the desired identifier 122B, the applicant 122C, the purchase target 122D, and the upper limit amount 122E in association with each desired product in the purchase request information storage unit 122. If the designation is not specified from the proxy payment permission target person 121D related to the proxy payer, the advance payment approval processing unit 111 ends the advance payment approval use process.

  Then, the advance payment approval processing unit 111 transmits a product list such as a product, price, and quantity to the proxy payer (step S002). Specifically, the advance payment approval processing unit 111 generates a product list including the product, price, quantity, etc. received in step S001, and transmits it to the credit card contractor terminal 300 possessed by the received proxy payer.

  And the advance payment approval process part 111 receives the response of proxy payment, and determines the content (step S003). Specifically, the advance payment approval processing unit 111 checks the product list that is sent to the credit card contractor terminal 300 of the proxy payer in step S002 and checks the product that permits the proxy payment and the proxy payment request. Accept messages to those who have done If none of the products has been checked, the pre-payment approval processing unit 111 determines that all are rejected, identifies the received message, and advances the control to step S004. If some or all of the products are checked, the pre-payment approval processing unit 111 determines that some or all of the products are permitted, and the control proceeds to step S005.

  When the response is all rejection (“all rejection” in step S003), the advance payment approval processing unit 111 transmits the rejection information and message to the purchaser (step S004). Specifically, the advance payment approval processing unit 111 transmits information to the purchaser terminal 200 including information indicating that all the products requested for proxy payment have been rejected and the received message on the screen, and displays the information. Then, the advance payment approval processing unit 111 ends the advance payment approval use process.

  If the response is partly or entirely permitted (in the case of “partially or entirely permitted” in step S003), the advance payment approval processing unit 111 accepts the product for which proxy payment is permitted, and accepts the card identifier and permission. Bar code information including the identifier is generated and transmitted to the purchaser along with the message (step S005). Specifically, the pre-payment approval processing unit 111 assigns a common permission identifier to the products for which proxy payment is permitted among the products associated with the desired identifier for which the proxy payment is desired, and stores purchase wish information. Stored in the permission identifier 122F of the section 122. Further, the advance payment approval processing unit 111 calculates the time limit of the permission by a predetermined algorithm, and stores it in the permission time limit 122G of each product for which proxy payment is permitted. The pre-payment approval processing unit 111 then encodes information including at least the card identifier and the permission identifier into the barcode generation unit 115 using a predetermined algorithm and optically readable barcode information. Generate as image information. The pre-payment approval processing unit 111, if there is a message (for example, a message indicating the reason for non-approval for a non-approved product) entered by the person who authorized the proxy payment at the time of authorization, together with the message text, image information Is transmitted to the purchaser terminal 200.

  Then, the pre-payment approval processing unit 111 accepts a credit settlement request including product information and bar code information (step S006). Specifically, the pre-payment approval processing unit 111 uses the store settlement processing unit 411 of the store settlement apparatus 400 to store product tag information when the purchase applicant visits a sales store or the like to actually purchase the desired product. When the settlement request including the image information including the barcode information transmitted in step S005 is transmitted to the settlement apparatus 100, the settlement request is accepted.

  The pre-payment approval processing unit 111 determines whether the product is within the pre-approved product, price, or quantity (step S007). Specifically, the pre-payment approval processing unit 111 analyzes the information related to the credit payment request received in step S006, and the product, price, and quantity of the product tag information indicate that the proxy payment is permitted in step S005. It is determined whether it is within the obtained range and whether the permission identifier matches that at the time of permission.

  As for the product, it is assumed that the credit settlement request includes only the product for which the authorization for proxy settlement is obtained, within the range for which the authorization for proxy settlement is obtained. In addition, the price and quantity are within the range when the price and quantity of the product included in the credit settlement request are less than or equal to the maximum price and quantity for which proxy settlement is permitted. . However, for example, with regard to price and quantity, the sum of the product of the price and quantity of the product included in the credit settlement request is less than the sum of the product of the price and quantity for which authorization for proxy settlement has been obtained, respectively. In some cases, it may be within range.

  If it is not within the pre-approved product, price, or quantity (“No” in step S007), the pre-payment approval processing unit 111 returns the control to step S006.

  If it is within the pre-approved product, price, and quantity (“Yes” in step S007), the credit card settlement processing unit 113 and the billing processing unit 114 perform settlement / billing processing (step S008). Specifically, the credit card settlement processing unit 113 performs a predetermined card settlement process and performs settlement. Then, the billing processing unit 114 performs a predetermined billing process to the credit card contractor based on the card settlement process.

  Then, the advance payment approval processing unit 111 notifies the proxy payer that the transaction has been completed (step S009). Specifically, the advance payment approval processing unit 111 transmits screen information indicating that the transaction has been completed, that is, that the credit card has been used, to the credit card contractor terminal 300.

  The above is the flow of the advance payment approval use process. According to the advance payment approval process, a person who is not a credit card contractor and does not have a credit card medium related to the credit card contract can use the credit card function of the contractor safely and easily. .

  FIG. 9 is a diagram showing a flow of payment approval use processing. The payment approval use process is started when a start instruction is obtained from the purchaser terminal 200 used by a person who desires proxy settlement, that is, a person who is not a credit card contractor. The payment approval utilization process is started not only when the start instruction is obtained from the purchaser terminal 200 but also when the instruction is obtained from the credit card contractor terminal 300 or other various terminals (not shown). Note that the payment approval use process includes a process for obtaining approval for purchase using the credit card function, a process performed at the time of actual payment, and a process for charging a credit card contractor based on the payment. It is a flow.

  First, the payment approval process part 112 of the payment apparatus 100 receives designation | designated of a proxy payer from a purchaser (step S101). Specifically, the payment approval processing unit 112 transmits a predetermined input screen to the purchaser terminal 200, and receives an input of designation of the proxy payer. The payment approval processing unit 112 determines whether or not the designation is from the proxy settlement permission target person 121D related to the proxy payer. If the designation is from the proxy settlement permission target person 121D related to the proxy payer, the payment approval processing unit 112 assigns a desired identifier for each designation of the proxy payer and stores it in the purchase request information storage unit 122. That is, the payment approval processing unit 112 stores the wish identifier 122B and the desirer 122C in the purchase request information storage unit 122 in association with each desired product. If the designation is not specified from the proxy payment permission target person 121D related to the proxy payer, the payment approval processing unit 112 ends the payment approval use process.

  Then, the payment approval processing unit 112 transmits a proxy payment processing start notification to the proxy payer (step S102). Specifically, the payment approval processing unit 112 transmits a message notifying the start of proxy payment processing and a display screen thereof to the credit card contractor terminal 300 possessed by the proxy payer received in step S101.

  And the payment approval process part 112 receives the response with respect to the notification of the start of a proxy payment process, and a message, and determines the content (step S103). Specifically, the payment approval processing unit 112 accepts a response permitting proxy payment in response to the proxy payment processing start notification transmitted to the credit card contractor terminal 300 of the proxy payer in step S102. If the response is a response rejecting the proxy payment, the payment approval processing unit 112 determines that the payment is rejected, identifies the received message (for example, a message indicating the reason for not approving), and advances the control to step S104. . If it is a response that permits proxy payment, the payment approval processing unit 112 determines that the payment is permitted, and advances the control to step S105.

  If the response is rejection (in the case of “rejection” in step S103), the payment approval processing unit 112 transmits rejection information and a message to the purchaser (step S104). Specifically, the payment approval processing unit 112 includes information indicating that the request for proxy payment has been rejected and the received message on the screen and transmits the information to the purchaser terminal 200 for display. Then, the payment approval processing unit 112 ends the payment approval use process.

  When the response is permission (in the case of “permitted” in step S103), the payment approval processing unit 112 generates barcode information including the card identifier and transmits it to the purchaser (step S105). Specifically, the payment approval processing unit 112 assigns a card identifier and stores it in the card identifier 122 </ b> A of the purchase request information storage unit 122 for the proxy payment request identifier. Further, the payment approval processing unit 112 calculates the time limit of the permission by a predetermined algorithm and stores it in the permission time limit 122G of each product for which proxy payment is permitted. Then, the payment approval processing unit 112 causes the barcode generation unit 115 to encode information including at least the card identifier using a predetermined algorithm and generate optically readable barcode information as image information. Then, the payment approval processing unit 112 transmits barcode information that is image information to the purchaser terminal 200.

  Then, the payment approval processing unit 112 receives a credit settlement request including information on the product and information obtained by reading the barcode information (step S106). Specifically, the payment approval processing unit 112 uses the store settlement processing unit 411 of the store settlement apparatus 400 to store the tag information of the product when the purchase applicant visits a sales store or the like to actually purchase the desired product. When the settlement request including the information obtained by reading the barcode information transmitted in step S105 is transmitted to the settlement apparatus 100, the settlement request is accepted.

  The payment approval processing unit 112 inquires of the proxy payer whether payment is possible (step S107). Specifically, the payment approval processing unit 112 analyzes the information related to the credit settlement request received in step S106, and stores a product list indicating products, prices, and quantities for the tag information of the products, and the payment for each product. A screen for inquiring whether it is possible is generated and transmitted to the credit card contractor terminal 300.

  Then, the payment approval processing unit 112 determines whether payment is possible (step S108). Specifically, the payment approval processing unit 112 sends a response and proxy payment request for checking a product that permits proxy payment to the product list transmitted to the credit card contractor terminal 300 of the proxy payer in step S107. Accept messages to the person who went. If any product is not checked, the payment approval processing unit 112 determines that payment is not possible, identifies the received message, and returns control to step S106 ("No" in step S108). If some or all of the products are checked, the payment approval processing unit 112 determines that payment is possible, identifies the received message, and advances the control to step S109.

  If payment is possible (“Yes” in step S108), the credit card settlement processing unit 113 and the billing processing unit 114 perform settlement / billing processing (step S109). Specifically, the credit card settlement processing unit 113 performs a predetermined card settlement process and settles a product for which proxy payment is permitted. Then, the billing processing unit 114 performs a predetermined billing process to the credit card contractor based on the card settlement process. In addition, the payment approval processing unit 112 transmits information and a message of a product for which proxy payment is approved to the purchaser. Specifically, the payment approval processing unit 112 includes information indicating the received message on the screen and transmits it to the purchaser terminal 200 for display.

  Then, the payment approval processing unit 112 notifies the proxy payer that the transaction has been completed (step S110). Specifically, the payment approval processing unit 112 transmits screen information indicating that the transaction has been established, that is, that the credit card has been used, to the credit card contractor terminal 300.

  The above is the flow of the payment approval use process. According to the payment approval usage process, a person other than the credit card contractor who does not have the credit card medium related to the credit card contract can use the credit card function of the contractor safely and easily.

  FIG. 10 is a diagram illustrating an example of a proxy payer selection screen 500 for the advance payment approval use process. The proxy payer selection screen 500 is a screen that selectively accepts a person who performs proxy payment in the purchaser terminal 200. In the alternative payer selection screen 500, the person who requests the alternative payment alternatively (in this embodiment, the first option 501 for accepting the selection of “Taro Yamada” and the second option for accepting other choices). As selectable 502). When one of the options is selected and an input to the request button 503 is accepted, the prepayment approval processing unit 111 changes the screen to a preapproval product input screen 550 described later. When the cancel button 504 receives an input, the browser processing unit 240 ends the process. The proxy payer selection screen 500 may be generated by the settlement apparatus 100 and displayed by the browser processing unit 240, or may be generated by a predetermined program at the purchaser terminal 200 and by the browser processing unit 240. It may be displayed.

  FIG. 11 is a diagram showing an example of a pre-approved product input screen 550 for pre-payment approval use processing. The pre-approved product input screen 550 is a screen that accepts input of pre-payment approval target products, the number of products, and an approximate amount in the purchaser terminal 200. The pre-approved product input screen 550 includes an input reception region for receiving input of information on the desired product to be purchased, such as a product name input reception region 551, a number input reception region 552, and an approximate amount input reception region 553, and a further proxy settlement target. Product addition button 554 for accepting an instruction to display a pre-approved product input screen 550 for accepting the input of the product, and a proxy payment request button for accepting an instruction to transmit the purchase desired product entered in the input acceptance area to the settlement apparatus 100 555 and a return button 556 for receiving an instruction to return the screen to the previous screen. Note that the pre-approved product input screen 550 may be generated by the payment apparatus 100 and displayed by the browser processing unit 240, or may be generated by a predetermined program in the purchaser terminal 200 and then displayed by the browser processing unit 240. It may be displayed.

  FIG. 12 is a diagram showing an example of a pre-approval screen 600 for pre-payment approval use processing. When the pre-approval screen 600 receives a product information display area 601 that can be selected and input for each pre-approval target product and an instruction for approving the pre-approved product, the settlement apparatus 100 receives the instruction. A proxy settlement approval button 602 for transmitting information, a button 603 for rejecting an instruction not to be approved for a prior approval request, and a message input area (not shown) are included. The pre-approval screen 600 may be generated by the payment apparatus 100 and displayed by the browser processing unit 340 of the credit card contractor terminal 300, or may be generated by a predetermined program in the credit card contractor terminal 300. And may be displayed by the browser processing unit 340.

  FIG. 13 is a diagram showing an example of a proxy payment message screen 700 for payment approval use processing. On the proxy payment message screen 700, a message display area 701 for displaying a message from the purchaser when requesting the start of proxy payment, and predetermined information to the settlement apparatus 100 to start proxy payment when input is received. A button 702 for starting proxy payment to be transmitted, a button 703 for receiving a message input to the proxy payment request and accepting an instruction to reject the proxy payment, a button 703 for rejecting by inputting a message, and a proxy for the proxy payment request And a reject button 704 that accepts an instruction to reject payment. The proxy payment message screen 700 may be generated by the settlement apparatus 100 and displayed by the browser processing unit 340 of the credit card contractor terminal 300, or may be displayed on the credit card contractor terminal 300 by a predetermined program. It may be generated and displayed by the browser processing unit 340.

  FIG. 14 is a diagram illustrating an example of a proxy payment approval screen 750 for the payment approval use process. When the proxy payment approval screen 750 receives a product information display area 751 that can be selected and input for each product that is subject to payment approval by proxy payment, and an instruction to approve the product that is selected and input for the proxy payment request, A next button 752 for transmitting the information to the apparatus 100 and a button 753 for rejecting an instruction not approved for the proxy payment request are included. The proxy payment approval screen 750 may be generated by the settlement apparatus 100 and displayed by the browser processing unit 340 of the credit card contractor terminal 300, or may be displayed on the credit card contractor terminal 300 by a predetermined program. It may be generated and displayed by the browser processing unit 340.

  FIG. 15 is a diagram showing an example of a proxy payment confirmation screen 800 for payment approval use processing. The proxy payment confirmation screen 800 displays a proxy payment product display area 801 that lists products for which payment by proxy settlement is to be approved, and a proxy payment request for the product indicated in the list of products to be approved for payment. When an instruction for confirming approval is received, an approval button 802 for transmitting the information to the settlement apparatus 100 and a button 803 for rejecting an instruction for not approving the proxy payment request are included. In the proxy payment product display area 801, the product selected and input in the product information display area 751 on the proxy payment approval screen 750 of the payment approval use process is shown. The proxy payment confirmation screen 800 may be generated by the payment apparatus 100 and displayed by the browser processing unit 340 of the credit card contractor terminal 300, or may be displayed on the credit card contractor terminal 300 by a predetermined program. It may be generated and displayed by the browser processing unit 340.

  FIG. 16 is a diagram showing an example of a proxy payment rejection message input screen 850 for the payment approval use process. In the proxy payment rejection message input screen 850, for example, a message input area 851 for accepting text input addressed to the purchaser and a message that does not approve the proxy payment request for a product that rejects or approves payment by proxy settlement. A reject button 852 and a return button 853 that transitions to the previous screen when an input is accepted are included. The proxy payment refusal message input screen 850 may be generated by the settlement apparatus 100 and displayed by the browser processing unit 340 of the credit card contractor terminal 300. It may be generated by a program and displayed by the browser processing unit 340.

  The payment system 1 to which the embodiment according to the present invention is applied has been described above. According to this embodiment, a credit card can be used safely and easily by a person other than the contractor.

  The present invention is not limited to the above embodiment. The above embodiment can be variously modified within the scope of the technical idea of the present invention. For example, in the above-described embodiment, product purchase at a store is exemplified, but the present invention is not limited to this. For example, it can be used for Internet shopping.

  Further, the technical elements of the above-described embodiments may be applied independently, or may be applied by being divided into a plurality of parts such as program parts and hardware parts.

  In the above, this invention was demonstrated centering on embodiment.

DESCRIPTION OF SYMBOLS 1 ... Payment system, 50 ... Network, 100 ... Payment apparatus, 110 ... Control part, 111 ... Advance payment approval process part, 112 ... Payment approval process part, 113 ... Credit card settlement processing unit, 114 ... billing processing unit, 115 ... bar code generation unit, 120 ... storage unit, 121 ... card information storage unit, 122 ... purchase request information storage unit, 130 ... Communication unit, 200 ... Purchaser terminal, 210 ... Display unit, 220 ... Input reception unit, 230 ... Communication unit, 240 ... Browser processing unit, 300 ... Credit card Contractor terminal, 310 ... display unit, 320 ... input reception unit, 330 ... communication unit, 340 ... browser processing unit, 400 ... store settlement device, 410 ... control unit, 411 ... Store payment processing department, 12 ... barcode reading processing unit, 420 ... storage unit, 421 ... product information storage unit, 430 ... communication unit

Claims (9)

A credit card payment processing unit that accepts and settles a payment request including image information that includes information for identifying a credit card and conditions for payment by the credit card, and information for payment;
A payment approval processing unit that approves payment related to the payment request when the payment target information satisfies a payment target condition obtained by decoding the image information in the payment request;
A settlement apparatus comprising: The payment apparatus according to claim 1,
Upon receiving a request for the condition for payment by the credit card and obtaining approval of the credit card contractor for the received request for the condition, information for identifying the credit card and the payment target by the credit card A pre-payment approval processing unit that encodes information including conditions and generates the image information,
A settlement apparatus comprising: The payment apparatus according to claim 2,
The pre-payment approval processing unit generates the image information upon obtaining approval for a request for the condition to be settled from an authorized person previously permitted by a contractor of the credit card.
A settlement apparatus characterized by that. The payment apparatus according to claim 2,
The pre-payment approval processing unit obtains approval for each of the payment targets and receives the approval of the conditions of the approved payment target when the request for the conditions of the payment target is received for each of the payment targets. Generating the image information including one or more hopes;
A settlement apparatus characterized by that. The payment apparatus according to claim 2,
The pre-payment approval processing unit displays a message to a payment requesting source for an object that has not been approved among the payment objects.
A settlement apparatus characterized by that. The payment apparatus according to claim 2,
The conditions for the payment target include information on purchased products.
A settlement apparatus characterized by that. The payment apparatus according to claim 2,
The conditions for the payment target include the upper limit price of the purchased product,
A settlement apparatus characterized by that. The payment apparatus according to claim 2,
The condition to be settled includes the quantity of purchased products,
A settlement apparatus characterized by that. A credit card settlement method using a settlement apparatus,
The settlement apparatus includes a control unit and a card information storage unit that stores information on the credit card,
The controller is
A credit card payment processing step for accepting a payment request including image information obtained by encoding information including information for specifying the credit card and conditions for payment by the credit card, and payment target information;
A payment approval processing step for approving a payment related to the payment request when the payment target information satisfies a payment target condition obtained by decoding the image information in the payment request;
The settlement method characterized by implementing.

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