JP2018106587A - Settlement device and settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enhance convenience of a user on settlement of a commodity price using points.SOLUTION: A settlement system 1 according to the present embodiment includes an advances information acquisition unit 110 for acquiring a desired amount of advances and a desired number of scheduled payments, a user information acquisition unit 120 for acquiring user information, a point advance unit 130 for giving advance points based on the desired amount of advances and the user information or the like, a payment information output unit 140 for outputting an amount of monthly payment for the advance points based on the desired number of scheduled payments, an input device 200, and a user DB 300.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a settlement apparatus using points that can be used for commodity price settlement.

At a retail store, a store on the WEB, or the like, a point service is provided that gives points according to the purchase price of a product every time a product is purchased for the purpose of keeping customers in the store. Points granted in such point services can be used for various purposes, but are mainly used as a substitute for cash when paying for product prices at point service providing stores or service member stores. It is.
Patent Document 1 discloses a payment processing apparatus that performs payment by lending a point corresponding to a difference (shortage) between an added amount of points and electronic money and a purchased product amount in payment using such points. Has been.

JP 2005-115435 A

  However, in the said patent document 1, since it was comprised so that the point acquired newly may be used for repayment in repayment of the lent point, it was necessary to purchase goods newly for repayment of a point . In addition, since it takes a considerable amount of time to collect the loaned points, the loan points are greatly restricted from the viewpoint of recoverability, and only small amounts such as limited to shortage can be used. . For this reason, there is a problem that the convenience of the purchase user is impaired, and the point service provider cannot easily introduce it.

  In view of the above points, an object of the present invention is to provide a settlement apparatus that improves convenience for both point service providers and purchase users with respect to point settlement.

(Configuration 1)
A replacement information acquisition unit for acquiring a replacement amount due to points available for settlement and a desired number of repayments for the replacement amount;
A user information acquisition unit for acquiring user information;
A point replacement unit that gives a user a replacement point based on the desired replacement amount and the user information;
A repayment information output unit that outputs the repayment information of the replacement point to an external device based on the desired number of repayments and the desired replacement amount;
A settlement apparatus.

(Configuration 2)
The repayment information output unit calculates a repayment point in each repayment from the time of the initial repayment to the completion of repayment based on the desired number of repayments and the amount of replacement, and at a time corresponding to each repayment designated in advance. The settlement apparatus according to Configuration 1, which outputs repayment amounts corresponding to repayment points.

(Configuration 3)
The settlement apparatus according to Configuration 1 or 2, further comprising: a screening engine that calculates an upper limit amount of replacement points acceptable to the user based on the user information.

(Configuration 4)
The settlement apparatus according to Configuration 1 or 2, further comprising a screening engine that calculates an upper limit number of desired repayments for the user based on the user information.

(Configuration 5)
Including any one of the settlement apparatuses according to configurations 1 to 4 and a user information DB;
The payment system, wherein the user information DB includes a user information recording unit that records the user information, and a user information communication unit that transmits and receives the user information.

(Configuration 6)
Comprising any one of the settlement devices according to configurations 1 to 4 and an input device;
The input device is:
A change information input unit for acquiring the user ID, which is the user information, the amount of change desired, and the desired number of repayments;
An advance information communication unit for transmitting the user ID, the advance amount desired, and the desired repayment count to the settlement apparatus;
A payment system, comprising:

(Configuration 7)
Comprising any one of the settlement devices according to configurations 1 to 4, a user information DB, and an input device;
The user information DB includes a user information recording unit that records the user information, and a user information communication unit that transmits and receives the user information.
The input device is:
A change information input unit for acquiring the user ID, which is the user information, the amount of change desired, and the desired number of repayments;
An advance information communication unit for transmitting the user ID, the advance amount desired, and the desired repayment count to the settlement apparatus;
A payment system, comprising:

  According to this invention, in the payment using points, the product price is settled by changing the point of the amount desired by the purchase user within the range of the replacement point upper limit calculated by the point service provider, etc. It is possible to repay by dividing the points by the number of times desired by the purchasing user, and the convenience of the purchasing user and the point service provider can be improved.

It is a schematic structure figure of settlement system 1 in an embodiment of this invention. It is a conceptual diagram which shows the image of the payment in embodiment of this invention. It is a conceptual diagram of the utilization screen in the input device 200 in embodiment of this invention. It is a flowchart which shows schematic operation | movement in the payment system 1 of embodiment of this invention. It is a conceptual diagram which shows the repayment operation | movement flow after the first month in the payment system 1 of embodiment of this invention.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention will be described with reference to the accompanying drawings.

Embodiment FIG. 1 is a schematic configuration diagram showing a settlement system according to an embodiment of the present invention.
The settlement system 1 changes the point based on the point replacement desired amount input at the time of the commodity price settlement, settles the commodity price, and provides the repayment information of the replaced point for each designated period, such as an external server not shown. The system includes a settlement apparatus 100, an input apparatus 200, a user DB 300, and a screening engine 400.

  The input device 200 includes an input device and a PC including a monitor. In a sales system such as a store on the WEB, a replacement information input unit to which information such as a user ID is input through a GUI displayed on the monitor 210, a replacement information communication unit 220 that transmits the desired point replacement amount input by the user and the number of repayments to the payment apparatus 100 and receives insufficient payment information.

  The settlement apparatus 100 includes a server apparatus having a communication function and the like, and includes a replacement information acquisition unit 110 that acquires a user ID transmitted from the input apparatus 200, a desired replacement amount, and the number of repayments. Moreover, the user information acquisition part 120 which transmits / receives the below-mentioned user information and credit information is provided. In addition, it includes a point replacement unit 130 that determines whether point replacement is possible based on user information and the upper limit amount thereof, transmits the determination result to the input device, and settles the product price using the replacement point. In addition, after the payment of the product price, the repayment amount and repayment each month to the destination of the point service provider itself or an external device (not shown) such as a server such as an external collection agent at the repayment time based on the replacement points and the number of repayments A repayment information output unit 140 that outputs repayment information such as the number of times is provided.

  The user DB 300 is configured by a server device having a communication function and the like, and includes a user information recording unit 310 that records user information and a user information communication unit 320 that transmits user information to the user information acquisition unit 120. The user information is data composed of a user ID, an address name of the user, a product purchase history, a repayment record, credit information, a possession point, a balance of replacement points, a next repayment time, and the like.

  The examination engine 400 is constituted by a server device having a communication function and the like, and is a renewal upper limit amount that is examination result information performed on the user based on user information, credit information, and the like input from the user information acquisition unit 120. Is calculated and transmitted to the point replacement unit 130.

FIG. 2 is a conceptual diagram for comparing the settlement according to the prior art disclosed in Patent Document 1 and the settlement according to the present embodiment. According to the prior art, when the product price is settled using the points, the insufficient points are lent and settled. The rented points are repaid using the points given when a new product is purchased.
On the other hand, according to the present embodiment, the point of the amount desired by the user (here, the total amount) is changed and settled. Then, repayment is performed at the number of repayments desired by the user (three times here). In this way, it is understood that the user does not need to purchase a new product for repayment of points.

FIG. 3 is a conceptual diagram showing a GUI displayed on the PC when purchasing a product in the input device 200 according to the present embodiment.
When a user purchases a product at a store or the like on the WEB, the user inputs a user ID that is a user identification number of the point service of this embodiment. Then, on the screen for selecting a settlement method for the product price, the desired advance point amount and the number of repayments are input. When settlement is executed based on the input information, the advance information communication unit 220 transmits the user ID, the desired amount of advance, and the number of repayments to the advance information acquisition unit 110.

<Operation of payment device>
Next, a payment operation using point change in the payment system 1 of the embodiment will be described with reference to the flowchart of FIG.

First, the operation of the settlement apparatus 100 will be described.
In step S <b> 410, it is determined whether or not a user ID, a desired replacement amount X, and a desired repayment count N are input to the replacement information acquisition unit 110. If it is determined that all information has been input, the process proceeds to step S420 (step S410: YES → step S420).

  Next, in step S420, the user information acquisition unit 120 transmits a user information acquisition request corresponding to the user ID to the user DB 300, and acquires the user information transmitted from the user DB 300 in response to the request.

  Next, in step S <b> 430, the user information acquisition unit 120 transmits the acquired user information and the like to the examination engine 400. The examination engine 400 transmits the replacement point upper limit calculated based on the input user information or the like to the user information acquisition unit 120. Then, the user information acquisition unit 120 acquires the replacement upper limit amount. In addition, about the calculation method of an advance point upper limit amount, you may use the arbitrary calculation methods using user information.

  Next, in step S440, the point replacement unit 130 refers to the replacement upper limit amount acquired by the user information acquisition unit 120, compares it with the desired replacement amount, and determines whether the point replacement is possible as desired by the user. If the desired replacement amount is greater than the upper limit for replacement, the upper limit for replacement is used as the point replacement amount, and the process proceeds to step S471 (step S440: NO → step S471). In step S471, the point replacement unit 130 transmits insufficient settlement information indicating that only a part of the product price has been settled to the replacement information communication unit 220 because the point replacement is less than the desired replacement amount. The desired amount is rewritten to the advance upper limit value, and the process proceeds to step S450.

  On the other hand, if the point replacement unit 130 determines that the desired replacement amount is equal to or less than the replacement upper limit amount and the total amount point replacement is possible in step S440, the process proceeds to step S450 (step S440: YES → step S450).

  Next, in step S450, the point changing unit 130 changes the points by increasing the points owned by the user by the input replacement desired amount X, and proceeds to step S460.

  In step S460, the point replacement unit 130 performs a payment process for the purchased product price using the changed points, and proceeds to step S470.

  Next, in step S470, the point replacement unit 130 transmits settlement completion information indicating that the settlement has been completed to the replacement information communication unit 220, and proceeds to step S480.

Next, in step S480, the repayment information output unit 140 creates repayment information as follows based on the changed points and the desired number of repayments, and a destination specified in advance (external device: point service provider itself or The data is output to a server such as an external collection agency, and the process proceeds to step S490.
The transmission of repayment information after the current month of using the replacement service will be described later.

The calculation and recording of repayment information will be specifically described below. Here, it is assumed that the purchase user uses the point change in month a, starts repayment from the month following month a, and thereafter repays every month until repayment is completed.
The repayment amount for repayment in a month is calculated by the following formula 1.
Qa = (replacement desired amount X / number of desired repayments N) + interest RIa (Formula 1)
Note that the repayment amount for one repayment in month a is Qa, and the interest in month a is RIa.
Next, the interest RIa in a month is calculated by the following formula 2.
Interest RIa = Advance balance B x Advance interest rate (annual rate) ÷ 12 (Formula 2)
The advance balance B is calculated by the following formula 3.
Advance balance B = Replacement desired amount X−Repayment points repaid so far (Formula 3)
Based on (Equation 1) to (Equation 3) above, Q (a + N) is calculated from the repayment amount Qa in each month from a to (a + N) months.
And the thing which matched the repayment amount of (a + N) month and each month from a is created as repayment information.

  Finally, in step S490, the user information acquisition unit 120 outputs the user ID, the repayment information of the user, the advance balance, the next repayment date and time, and the user information recording request to the user information communication unit 320, and ends the processing. To do.

<Operation of input device>
Next, the operation of the input device 200 will be described. The input device 200 transmits the desired replacement amount and the desired number of repayments input when the user purchases the product to the payment device, and notifies the user of the completion of payment and insufficient payment information.
First, in step S610, it is determined whether the replacement information input unit 210 has acquired a user ID. When the user ID, the amount of replacement, and the desired number of repayments are input through the input form on the web, the process proceeds to step S620 (step S610: Yes → step S620).

  Next, in step S620, the advance information communication unit 220 transmits the user ID, the desired replacement amount, and the desired repayment count to the advance information acquisition unit 110, and the process proceeds to step S630.

  In step S630, it is determined whether or not the change information communication unit 220 has received the result of settlement by point change. When the settlement result is received, the process proceeds to step S640 (step S630: Yes → step S640).

  In step S640, the fact that payment by point replacement has been completed or partially failed is displayed on a monitor (not shown), and the process ends.

<Operation of user DB>
Next, the operation of the user DB 300 will be described. The user DB 300 transmits and records user information based on the user information acquisition request and the user information recording request.
First, in step S710, it is determined whether the user information communication unit 320 has received a user ID and a user information acquisition request for the user. If the user ID and user information acquisition request is received, the process proceeds to step S720. (Step S710: Yes → Step S720).

  In step S720, the user information communication unit 320 acquires user information of the requested user from the user information recording unit 310, transmits the user information to the user information acquisition unit 120, and proceeds to step S730.

  On the other hand, when the user information communication unit 320 does not receive the user information acquisition request in step S710, the process proceeds to step S730 (step S710: No → step S730).

  In step S730, it is determined whether the user information communication unit 320 has received a user ID and user information recording request. If the user ID and recording request are received, the process proceeds to step S740 (step S730: Yes → step). S740). On the other hand, when the user ID and the recording request are not received in step S730, the process proceeds to step S710 (step S730: No → step S710).

  In step S740, the user ID and user information received in step S730 are recorded in the user information recording unit 310, and the process ends.

<Sending repayment information after next month>
Next, referring to the flowchart of FIG. 5, the repayment information transmission operation after the next month of point replacement use in the settlement system 1 of the embodiment will be described. In this operation, a user who reaches the repayment time in this month is searched, and the repayment information is transmitted to an external device set in advance based on the repayment information of the user. The operation is executed at a date and time designated in advance.

  First, in step S510, the user information acquisition unit 120 transmits a user information acquisition request to the user information communication unit 320, acquires user information of the i-th user, and proceeds to step S520. Note that the initial value of i corresponds to the first user ID in the user information recording unit 310.

  In step S520, the repayment information output unit 140 refers to the next repayment date and time recorded in the acquired user information, and determines whether the repayment of the corresponding user occurs in the current month. If it is determined that no repayment will occur in the current month, the process proceeds to step S510 (step S520: No → step S510). On the other hand, if it is determined that repayment will occur in the current month, the process proceeds to step S530 (step S520: Yes → step S530).

  Next, in step S530, the repayment information output unit 140 refers to the repayment information of the corresponding user, acquires the repayment amount of the corresponding month, outputs it to the external destination designated in advance, and proceeds to step S540.

  In step S540, the repayment information output unit 140 outputs the repayment information of the user, the advance balance, and the next repayment date and time to the user information communication unit 320, ends the processing, and proceeds to step S540.

  In step S550, it is determined whether i is equal to iend, which is a number corresponding to the last user ID set in advance. If it is determined that i is not equal, i is incremented, and the process proceeds to step S510. (Step S550: No → Step S510). On the other hand, if it is determined that they are equal, the process is terminated (step S550: Yes → end).

  Note that the operation of the user DB 300 in this operation is the same as the operation in FIG.

As described above, according to the settlement apparatus 100 of the present embodiment, the point replacement unit 130 is configured to change points by the amount desired by the user, and the repayment information output unit 140 is based on the number of repayments desired by the user. The system is configured to output repayment information, and even when the payment amount is large, it is possible to make a payment by changing the points, so that it is possible to improve the convenience of the user during the point payment.
In addition, the repayment information output unit 140 calculates repayment points for each repayment from the time of initial repayment to the completion of repayment, and outputs the repayment amount corresponding to each repayment point at each repayment time specified in advance. Since it is comprised, the user can repay the replacement point with the desired number of repayments, and the convenience at the time of the user's point repayment can be improved.
Thus, by improving the convenience for the user, it is possible to expect an increase in the number of users such as stores where the payment apparatus 100 of the present embodiment is introduced, and for point service providers, it is possible to expand business opportunities. .
In addition, since the point replacement unit 130 is configured so that payment can be made by changing points by the amount desired by the user, and substantial split repayment can be made, a credit card can be used as before in the settlement process. There is no need to intervene with a payment company such as a company or a credit sales company. Therefore, the point service provider does not need to pay the payment company for the fee of the member store, etc., and it is possible to return the amount to the user by raising the point grant rate or preferential interest rate of replacement points, etc. The point service can be flexibly operated according to the sales strategy and user attributes.
In this way, the benefits for both the point service provider and the user can be expanded.
In addition, the screening engine 400 calculates the upper limit of replacement for each user and performs the replacement within the limit amount, thereby making it possible for the point service provider to keep the uncollectible risk within the expected range. Management effects can also be expected.
Further, since the payment apparatus 100 is configured to make payment by changing points instead of money, the business owner who introduces the payment system 1 needs to acquire a completely new system and license related to loans and loans. However, while making use of the existing point service mechanism, the modification according to the present embodiment can be made and the credit business can be entered in a short time.

In the present embodiment, an example in which the payment apparatus 100, the user DB 300, and the examination engine 400 are configured by a server apparatus and the input apparatus 200 is configured by a PC has been described, but each includes dedicated hardware, software, and You may be comprised by the combination of these. In addition, each structure with which each of the payment apparatus 100, the input device 200, and user DB300 is provided is comprised so that data can be referred mutually.
In the present embodiment, the point replacement unit 130 is configured to determine whether or not points can be replaced based on the replacement upper limit amount input from the screening engine 400. However, as the screening result information, the upper limit of the number of repayments is determined. May be configured, or the advance rate may be varied according to the examination result score or the like. The point changing unit 130 determines whether or not points can be changed based on whether or not the examination score is equal to or higher than a predetermined threshold.
In the present embodiment, an example in which a purchase user purchases a product at a store on the WEB using the input device 200 has been described. However, the input device 200 is incorporated into a cash register in an actual store, and shopping at the actual store is performed. It may be configured to be used in. In that case, the replacement information input unit 210 is configured by an IC card reader or the like, and is configured such that the product purchase user reads the user ID by holding the member card or the like.

In the present embodiment, the input device 200, the user DB 300, and the examination engine 400 are described as separate components from the payment device 100, but any or all of these may be incorporated in the payment device 100. .
Moreover, although the user information in this embodiment described the example comprised by user ID, an address name, goods purchase history, repayment results, credit information, examination information, possession points, advance point balance, etc., other composition is mentioned. It may be configured to include.
In the present embodiment, the repayment information output unit 140 is configured to transmit the repayment information to the point service provider itself or a server (external device) such as an external collection agent. Bank account transfer, convenience store payment, or the like may be used. In this case, the repayment information is transmitted to the server of each business owner. In other words, the repayment information output unit 140 transmits the repayment information to the point service provider itself, a third party organization or a service (external settlement organization, settlement service) system (external device).

In the present embodiment, the case where the repayment information output unit 140 outputs repayment information obtained by adding interest to the advance point is described as an example. However, the repayment information output unit 140 is configured to output repayment information without adding interest. May be.
In the present embodiment, the repayment information output unit 140 is configured to send the repayment information every month to a destination designated in advance, but at the first transmission, the repayment information describing the schedule until the repayment is completed. It may be configured to transmit.
In the present embodiment, the repayment information transmission operation after the initial repayment information transmission in the repayment information output unit 140 is configured to operate on a preset date and time. It may be configured to operate when input to the output unit 140.

Further, in the present embodiment, the operation of the point replacement unit 130 when the user has completed the repayment in each month has been described, but if the repayment is not made by the designated date, the repayment information You may be comprised so that interest may be increased in calculation of the repayment amount in the output part 140. FIG.
In the present embodiment, the repayment information output unit 140 is configured to output repayment information every month, but may be configured to output repayment information at an arbitrary timing such as every two months. In this case, the repayment information output timing may be specified by the user, or may be configured in advance. Moreover, it may be configured to output repayment information that does not repay evenly every month, but repays for a plurality of months.
Further, in the present embodiment, the point replacement unit 130 is configured to change the point to the replacement upper limit value after transmitting the insufficient settlement information when the replacement upper limit value is larger than the desired replacement amount in step S440 in FIG. However, it may be configured to terminate the processing after transmitting the insufficient settlement information indicating that the settlement has failed.

  Although the present invention has been described with reference to the embodiments, the present invention is not limited to the above-described embodiments. Various changes that can be understood by those skilled in the art can be made to the configuration and operation of the present invention without departing from the spirit of the present invention.

DESCRIPTION OF SYMBOLS 1 ... Payment system 100 ... Payment apparatus 110 ... Advance information acquisition part 120 ... User information acquisition part 130 ... Point change part 140 ... Repayment information output part 200 ... Input device 210 ... Advance information input part 220 ... Advance information communication part 300 ... User DB
310 ... User information recording unit 320 ... User information communication unit 400 ... Examination engine

Claims (7)

A replacement information acquisition unit for acquiring a replacement amount due to points available for settlement and a desired number of repayments for the replacement amount;
A user information acquisition unit for acquiring user information;
A point replacement unit that gives a user a replacement point based on the desired replacement amount and the user information;
A repayment information output unit that outputs the repayment information of the replacement point to an external device based on the desired number of repayments and the desired replacement amount;
A settlement apparatus.   The repayment information output unit calculates a repayment point in each repayment from the time of the initial repayment to the completion of repayment based on the desired number of repayments and the amount of replacement, and at a time corresponding to each repayment designated in advance. The settlement apparatus according to claim 1, wherein each repayment amount corresponding to the repayment point is output.   The settlement apparatus according to claim 1, further comprising a screening engine that calculates an upper limit of the replacement point of the user based on the user information.   The settlement apparatus according to claim 1, further comprising an examination engine that calculates an upper limit number of desired repayments for the user based on the user information. A settlement apparatus according to any one of claims 1 to 4 and a user information DB,
The payment system, wherein the user information DB includes a user information recording unit that records the user information, and a user information communication unit that transmits and receives the user information. A settlement apparatus according to any one of claims 1 to 4 and an input device,
The input device is:
A change information input unit for acquiring the user ID, which is the user information, the amount of change desired, and the desired number of repayments;
An advance information communication unit for transmitting the user ID, the advance amount desired, and the desired repayment count to the settlement apparatus;
A payment system, comprising: A payment apparatus according to any one of claims 1 to 4, a user information DB, and an input device,
The user information DB includes a user information recording unit that records the user information, and a user information communication unit that transmits and receives the user information.
The input device is:
A change information input unit for acquiring the user ID, which is the user information, the amount of change desired, and the desired number of repayments;
An advance information communication unit for transmitting the user ID, the advance amount desired, and the desired repayment count to the settlement apparatus;
A payment system, comprising:

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