JP2019149011A - Payment surrogate system, payment surrogate method, terminal device, and program - Google Patents

Abstract

To enable card payment at a non-affiliated store without imposing burden on the non-affiliated store.SOLUTION: A payment surrogate system surrogates payment of price from a first card member to a non-affiliated store of a card as a second card member. The payment surrogate system is provided that includes card settlement means for performing card settlement as a settlement system of an affiliated store of a card; and payment surrogate means configure to: transmit identification information for identifying payment to the second terminal according to a request from a second terminal used by a second card member, perform payment processing of payment against the second card member when a payment request including identification information is received from a first terminal used by a first card member is received, and perform card settlement of a total amount of the payment and a predetermined service charge with a card of the card member by card settlement means.SELECTED DRAWING: Figure 14

Description

  The present invention relates to a payment agent system, a payment agent method, a terminal device, and a program.

  At a store affiliated with a credit card brand (hereinafter referred to as a member store), card payment can be made using the credit card of the brand. For this reason, the convenience of card members is improved by increasing the number of member stores that can use their own credit cards. However, the number of member stores is unlikely to increase due to the fee charged to member stores according to the use of card payment.

  As a method for reducing the fee burden, a settlement system has been proposed in which an advertisement is displayed on an e-commerce store site and the above fee is offset by advertising revenue. In this payment system, a seller registers a product on the payment system side, guides an end user to a product purchase page generated on the payment system side, and executes card payment on the payment system side on behalf of the seller.

JP 2014-225217 JP

  In the above payment system, since the card payment is executed on the payment system side, in principle, even a merchant who is not affiliated with a brand (hereinafter referred to as a non-member store) can use the card payment. However, when this payment system is applied, the cost for construction and operation of a system linked with the payment system side, the cost for registration of products, and the like become a heavy burden. Further, this settlement system is not assumed to be applied to a seller who takes a sales form other than electronic commerce.

  In view of the above circumstances, in order to improve the convenience of card members, in addition to realizing a mechanism that allows card payments to be used even at non-member stores, a contrivance to reduce the cost of realizing the mechanism is required. In addition, a non-member store adopting any form of sales is required to be able to easily introduce the mechanism.

  According to one aspect of the present invention, an object of the present invention is to provide a payment agent system, a payment agent method, a terminal device, and a program that enable card payment at a non-member store without imposing a burden on the non-member store. is there.

  According to one aspect of the present invention, there is provided a payment agent system for substituting payment from a first card member to a card non-member store that is a second card member, and the card as a payment system of the card member store. Card settlement means for executing settlement and identification information for identifying payment in response to a request from the second terminal used by the second card member are transmitted to the second terminal and used by the first card member. When a payment request including identification information is received from the first terminal, the payment processing of the price to the second card member is executed, and the total amount of the price and the predetermined fee is calculated by the card settlement means. There is provided a payment agent system having a payment agent means for making a card payment with the card.

  Card payments can be made at non-member stores without burdening non-member stores.

It is explanatory drawing which showed an example of the system structure containing the card payment system which concerns on 1st Embodiment, a user terminal, a non-member store terminal, and a bank system. It is explanatory drawing for demonstrating the payment agent method which concerns on 1st Embodiment. It is the block diagram which showed the hardware structural example of the information processing apparatus which can implement | achieve the function of the card payment system which concerns on 1st Embodiment, a non-member store terminal, and a user terminal. It is the block diagram which showed an example of the function which the card payment system which concerns on 1st Embodiment has. It is the figure which showed an example of the member information which concerns on 1st Embodiment. It is the figure which showed an example of confirmation information which concerns on 1st Embodiment, billing destination information, and payment destination information. It is the block diagram which showed an example of the function which the user terminal which concerns on 1st Embodiment has. It is the block diagram which showed an example of the function which the non-member store terminal which concerns on 1st Embodiment has. It is the sequence figure which showed the flow of the process which a card payment system, a non-member store terminal, and a user terminal perform when implement | achieving the payment agent method which concerns on 1st Embodiment. It is the 1st flowchart which showed the flow of the process which the user terminal which concerns on 1st Embodiment performs. It is the 2nd flowchart which showed the flow of the process which the user terminal which concerns on 1st Embodiment performs. It is the flowchart which showed the flow of the process which the card payment system which concerns on 1st Embodiment performs. It is the flowchart which showed the flow of the process regarding confirmation check among the processes which the card payment system which concerns on 1st Embodiment performs. It is explanatory drawing for demonstrating the payment agent method which concerns on 2nd Embodiment. It is the sequence diagram which showed the flow of the process which a card payment system, a non-member store terminal, and a user terminal perform when implement | achieving the payment agent method which concerns on 2nd Embodiment. It is the block diagram which showed an example of the function which the card payment system which concerns on 2nd Embodiment has. It is the figure which showed an example of the deposit / withdrawal management information (stock information, log | history information) which concerns on 2nd Embodiment. It is the block diagram which showed an example of the function which the non-member store terminal which concerns on 2nd Embodiment has. It is the flowchart which showed the flow of the process which the non-member store terminal which concerns on 2nd Embodiment performs. It is the flowchart which showed the flow of the process which the user terminal which concerns on 2nd Embodiment performs. It is the 1st flowchart which showed the flow of the process which the card payment system which concerns on 2nd Embodiment performs. It is the 2nd flowchart which showed the flow of the process which the card payment system which concerns on 2nd Embodiment performs. It is the block diagram which showed an example of the card payment system and payment agency system which concern on the modified example of 2nd Embodiment.

  Embodiments of the present disclosure will be described below with reference to the accompanying drawings. In addition, about the element which has the substantially same function in this specification and drawing, duplication description may be abbreviate | omitted by attaching | subjecting the same code | symbol.

<1. First Embodiment>
A first embodiment according to the present invention will be described. The first embodiment relates to a card payment system having a card payment function of a member store, and more particularly to a mechanism that enables card payments to be used even in a non-member store that has no contract with the card payment system side.

  Hereinafter, a configuration example of the system according to the first embodiment, a payment agent method, a hardware configuration example and function of each element included in the system, and a processing flow in the system will be described in order.

[1-1. System configuration example]
First, a configuration example of a system according to the first embodiment will be described with reference to FIG. FIG. 1 is an explanatory diagram showing an example of a system configuration including a card payment system, a user terminal, a non-member store terminal, and a bank system according to the first embodiment.

  As shown in FIG. 1, the system according to the first embodiment includes a card payment system 101, a user terminal 102, a non-member store terminal 103, and a bank system 104.

  In the example of FIG. 1, for convenience of explanation, a card payment system 101, a user terminal 102, and a non-member store terminal 103 are connected via a network 50. However, in the first embodiment, the card settlement system 101 and the non-member store terminal 103 may not be connected. The network 50 is a wired and / or wireless communication network such as a LAN (Local Area Network) or a WAN (Wide Area Network).

  The card payment system 101 is a computer system having one or more computers such as a server device, a workstation, and a main frame, for example. The card payment system 101 is connected to the bank system 104. The card settlement system 101 and the bank system 104 are connected using, for example, a dedicated communication line or a communication network such as the network 50.

  The card settlement system 101 has a function as a member store (hereinafter referred to as a member store function) having a member store contract with a credit card brand. A payment terminal installed in a member store sends card information such as a usage amount and a credit card number to a payment system of a credit card company and requests card payment. The member store function includes such a payment terminal function. However, here, a case will be described in which the card payment system 101 further includes a function as a payment system of a credit card company and can execute card payment.

  The card payment system 101 controls an application program (hereinafter referred to as an application) used by a card member. For example, the card payment system 101 restricts access to a card member who attempts to access using an application according to the result of member authentication. The card settlement system 101 controls restrictions on services that can be used by the logged-in card member via the application and display of the application.

  In the following, for convenience of explanation, an example in which the card payment system 101 is accessed through an application is shown, but the card payment system 101 may be accessed using other access means such as a Web browser. . In this case, the function provided via the application is provided via other access means. Moreover, you may enable it to access the card payment system 101 by both an application and another access means.

  The user terminal 102 is, for example, a computer such as a smartphone, a mobile phone, a PC (Personal Computer), or a tablet terminal. In the example of FIG. 1, a case where a card member uses the user terminal 102 will be described for convenience of explanation. An application for accessing the card payment system 101 is installed in the user terminal 102. However, when accessing the card payment system 101 using other access means, the application need not be installed in the user terminal 102.

  The non-member store terminal 103 is a computer such as a smartphone, a mobile phone, a PC (Personal Computer), a tablet terminal, a server device, or a POS (Point Of Sales) system. In the example of FIG. 1, a case where a non-member store (a staff member, a manager, etc.) uses the non-member store terminal 103 will be described for convenience of explanation. For example, at least one of a display DSP and a printer PRT is connected to the non-member store terminal 103.

  The bank system 104 is a system managed by the bank. The bank system 104 provides functions such as transfer and transfer (including debit). In the following, for convenience of explanation, it is assumed that the bank system 104 can execute processing such as transfer according to the request procedure from the card settlement system 101.

  The system configuration example has been described above. The system configuration example shown in FIG. 1 is merely an example, and can be variously modified according to the embodiment. For example, a modification in which the card payment system 101 is divided into a plurality of systems according to main functions and a modification in which the function of the user terminal 102 is installed in an ATM (Automated Teller Machine) or the like are possible.

[1-2. Payment agent method]
Next, the payment agent method according to the first embodiment will be described with reference to FIG. FIG. 2 is an explanatory diagram for explaining a payment agent method according to the first embodiment.

  As shown in FIG. 2, in the payment agent method according to the first embodiment, for example, when a card member concludes a sales contract / service provision contract 61 with a non-member store (S1), The card payment system 101 acts as a proxy for payment to non-member stores. When using the payment by the card payment system 101, the card member concludes a service use contract 62 with the card payment system 101 side.

  If there is a service use contract 62, the card payment system 101 transfers the price to the bank account of the non-member store in response to a request from the card member (S2a), and pays the price by card payment using the card member's credit card. Receive (S2b). At this time, the card settlement system 101 charges the card member with a predetermined fee together with the price. The non-member store receives the notification that the transfer (S2a) and card payment (S2b) procedures have been completed, and provides the card member with the product / service (S3).

  If the payment agent method according to the first embodiment is applied, since the card payment system 101 executes card payment, the card member can substantially pay the price for the non-member store with a credit card. A non-member store can receive payment for a bank account without a special contract with the card payment system 101 side. Further, a predetermined fee including a fee charged at the time of card settlement is charged to the card member. Therefore, card payments can be used at non-member stores without extra burden.

  The payment agent method according to the first embodiment has been described above. Hereinafter, the card settlement system 101, the user terminal 102, and the non-member store terminal 103 that can realize the payment agent method illustrated in FIG. 2 will be further described.

[1-3. Hardware configuration example]
With reference to FIG. 3, hardware capable of realizing the functions of the card payment system 101, the user terminal 102, and the non-member store terminal 103 will be described.

  FIG. 3 is a block diagram illustrating a hardware configuration example of an information processing apparatus capable of realizing the functions of the card payment system, the non-member store terminal, and the user terminal according to the first embodiment. Note that the information processing apparatus 70 illustrated in FIG. 3 is an example of hardware capable of realizing the functions of the card payment system 101, the user terminal 102, and the non-member store terminal 103.

  As illustrated in FIG. 3, the information processing apparatus 70 includes a processor 71, a memory 72, a display IF (Interface) 73, a communication IF 74, and a connection IF 75.

  The processor 71 is, for example, a central processing unit (CPU), a digital signal processor (DSP), an application specific integrated circuit (ASIC), or a field programmable gate array (FPGA). The memory 72 is a storage device such as a read only memory (ROM), a random access memory (RAM), a hard disk drive (HDD), a solid state drive (SSD), and a flash memory.

  The display IF 73 is an interface for connecting a display device (not shown) such as an LCD (Liquid Crystal Display) or an ELD (Electro-Luminescence Display). For example, the display IF 73 performs display control using a GPU (Graphic Processing Unit) mounted on the processor 71 or the display IF 73.

  The communication IF 74 is an interface for connecting to a wired and / or wireless network. The communication IF 74 is connected to, for example, a wired LAN, a wireless LAN, an optical communication network, a mobile phone network, a dedicated line, and the like.

  The connection IF 75 is an interface for connecting an external device. The connection IF 75 is, for example, a USB (Universal Serial Bus) port, an IEEE 1394 port, a SCSI (Small Computer System Interface), or the like.

  For example, an input interface (not shown) such as a keyboard, a mouse, a touch panel, or a touch pad can be connected to the connection IF 75. The connection IF 75 can be connected to an external device (not shown) such as a printer or a camera. A portable recording medium 76 can be connected to the connection IF 75. The recording medium 76 is, for example, a magnetic recording medium, an optical disk, a magneto-optical disk, a semiconductor memory, or the like.

  The processor 71 reads out the computer program stored in the recording medium 76 and stores it in the memory 72, and controls the operation of the information processing apparatus 70 according to the computer program read out from the memory 72. The functions realized by the information processing apparatus 70 can be implemented using a computer program. The computer program may be stored in advance in the memory 72, or may be downloaded from the network via the communication IF 74.

  The hardware of the information processing apparatus 70 has been described above.

[1-4. Card payment system functions]
Next, functions of the card settlement system 101 will be described with reference to FIG. FIG. 4 is a block diagram illustrating an example of functions of the card payment system according to the first embodiment. The card payment system 101 shown in FIG. 4 is an example of the card payment system according to the first embodiment.

  As shown in FIG. 4, the card payment system 101 includes a payment agent means 111, a card payment means 112, and a storage means 113. Note that the functions of the payment agent means 111 and the card settlement means 112 can be realized by the processor 71 described above. The function of the storage unit 113 can be realized by the memory 72 described above.

  The payment agent means 111 has a bank transfer function 111a, a member store function 111b, and a confirmation check function 111c.

  The bank transfer function 111a accesses the bank system 104 and executes a process for transferring a payment to a bank account of a non-member store (hereinafter referred to as a transfer process; see, for example, S2a in FIG. 2). The member store function 111b operates as a member store payment system (hereinafter referred to as a member store system), and processes for card payment of charges and fees with a card member's credit card (hereinafter referred to as card payment processing; (See S2b).

  The confirmation check function 111c checks information that gives confirmation of the sales contract / service provision contract 61 (for example, confirmation information 113b described later). When the confirmation check function 111c determines that the check is OK, the above transfer process and card settlement process are executed.

  The card payment means 112 has a member authentication function 112a, an application control function 112b, and a card payment function 112c.

  When the member authentication function 112a receives an access request from the user terminal 102, the member authentication function 112a performs member authentication of the card member based on the login information included in the access request. The login information includes, for example, information such as a card member login ID, a credit card number (hereinafter, a card number), and a password. When the member authentication is successful, the member authentication function 112a allows access from the user terminal 102 as an access by the card member.

  The application control function 112b is installed in the user terminal 102 and performs control (display control, input restriction, etc.) of an application used by a card member for access. For example, the application control function 112b controls the selection items displayed on the application screen according to the contract contents of the card member. When accepting access by other access means such as a web browser, the application control function 112b performs control on the other access means in the same manner as in the case of the application.

  The card payment function 112c operates as a payment system of a credit card company (hereinafter referred to as a card company system), and the credit card information included in the card payment request according to the card payment request from the member store system or the payment agent means 111. Card payment based on The credit card information includes a card number and an expiration date.

  The storage means 113 stores member information 113a, confirmation information 113b, payment destination information 113c, and billing destination information 113d.

  The member information 113a includes information about card members. For example, the member information 113a includes information as shown in FIG. FIG. 5 is a diagram showing an example of member information according to the first embodiment. In the example of FIG. 5, for convenience of explanation, the member information 113a is divided into two databases (A) and (B). However, the structure of the database that stores the member information 113a is not limited to this.

  As shown in FIG. 5 (see database (A)), the member information 113a includes, for example, information on a credit card holder, a card number, and an expiration date. Further, the member information 113a includes information on a payment agent service use contract (service use contract 62). As for the card member with the service use contract 62 as in the example of FIG. 2, “with contract” is described in the member information 113a.

  In addition, the member information 113a includes information (refer to the database (B)) of a bank account (hereinafter referred to as a withdrawal account) used for debiting the credit card usage amount. The information on the withdrawal account includes, for example, information on the account holder, bank name, branch name, and account number. In the example of FIG. 5, the databases (A) and (B) are linked with the withdrawal account ID. Note that the member information 113a illustrated in FIG. 5 is an example, and some information may be omitted, or other information may be added.

  Refer to FIG. 4 again. The confirmation information 113 b is information that provides confirmation of the sales contract / service provision contract 61. The confirmation information 113b includes, for example, a bill issued by a non-member store when a card member makes a purchase at a non-member store. As will be described later, the confirmation information 113b is information generated by the non-member store, but is information provided to the card settlement system 101 from the card member user terminal 102.

  Note that a document or the like in which information is entered by a non-member store in accordance with the format provided on the card payment system 101 side can also be verification information 113b. For example, a system can be applied in which the card payment system 101 publishes a document format on the Internet, and a non-member store downloads the document format at the non-member store terminal 103 and fills in necessary items.

  Issuance of bills and entry of documents can be easily performed manually or using the non-member store terminal 103. Therefore, a big burden does not arise in a non-member store when applying the above-mentioned mechanism.

  The payment destination information 113c is information on a payment destination (a non-member store in the example of FIG. 2) by the payment agent service. The billing destination information 113d is information about a billing destination and a fee billing destination (card member in the example of FIG. 2) by the payment agent service.

  The confirmation information 113b, billing destination information 113d, and payment destination information 113c are stored in the storage means 113 in association with each other as shown in FIG. FIG. 6 is a diagram illustrating an example of confirmation information, billing destination information, and payment destination information according to the first embodiment.

  FIG. 6 illustrates a case where the confirmation information 113b is invoice image data (hereinafter, invoice image). As shown in FIG. 6A, the confirmation information 113b, the billing destination information 113d, and the payment destination information 113c are associated with, for example, a payment agent ID. The payment agent ID is identification information given each time the payment agent service is used.

  In the example of FIG. 6, the payee information 113c includes information on the account holder and bank account of the non-member store that is the transfer destination of the price. The billing destination information 113d includes information on the credit card holder and card number of the card member who is the billing destination. As will be described later, the payment destination information 113c and the billing destination information 113d are provided from the card member user terminal 102 to the card settlement system 101.

  The invoice image shown in FIG. 6 (B) is an example of the confirmation information 113b. Information about a non-member store (for example, company name, name, representative name, etc.), billing amount, payment deadline, payment details ( Item details, etc.), bank account information, etc. As will be described later, the invoice image is generated, for example, by the card member taking an image of an invoice issued by a non-member store at the user terminal 102 and transmitted to the card settlement system 101.

  The function of the card payment system 101 has been described above.

[1-5. User terminal functions]
Next, functions of the user terminal 102 will be described with reference to FIG. FIG. 7 is a block diagram illustrating an example of functions of the user terminal according to the first embodiment. Note that the user terminal 102 illustrated in FIG. 7 is an example of a user terminal according to the first embodiment.

  As illustrated in FIG. 7, the user terminal 102 includes a storage unit 121, an imaging unit 122, a control unit 123, a display unit 124, and an input unit 125.

  The function of the storage unit 121 can be realized by the memory 72 described above, for example. The function of the imaging unit 122 can be realized by the camera and the processor 71 connected to the connection IF 75 described above. The function of the control means 123 can be realized by the processor 71 described above. The function of the display unit 124 can be realized by the processor 71 and the display IF 73 described above. The function of the input unit 125 can be realized by an input interface connected to the connection IF 75 described above.

  The storage unit 121 stores an application 121a and member information 121b. The application 121a is an application program used for accessing the card payment system 101. The member information 121b is information such as a login ID and a card number of a card member who uses the user terminal 102. The member information 121b may be stored in the storage unit 121 in advance, or may be stored in the storage unit 121 when input to the application 121a.

  The imaging unit 122 images a subject in accordance with control by the control unit 123 and generates image data of the subject. For example, the imaging unit 122 captures a bill image with a bill issued by a non-member store as a subject. The imaging unit 122 captures the QR code displayed on the bill or the display DSP of the non-member store terminal 103 and reads information included in the QR code. It is also possible to adopt a mechanism in which a QR code including information on the bank transfer destination is posted at a store of a non-member store and the QR code is read by the user terminal 102.

  The control unit 123 reads the application 121a from the storage unit 121 and executes the read application 121a. For example, the control unit 123 displays a login screen of the application 121a on the display unit 124 and prompts the card member to input a password or the like. At this time, the control unit 123 may read the member information 121b from the storage unit 121 and automatically display information such as a login ID in the input field of the login screen.

  When a login operation is executed via the input unit 125, the control unit 123 transmits an access request including login information such as a password and a login ID input on the login screen to the card settlement system 101. When the member authentication is successful, the control unit 123 displays the portal screen of the application 121a. On the portal screen, for example, items of services that can be used via the application 121a are displayed.

  When the payment agent service item is selected via the input unit 125, the control unit 123 displays an input screen for the payment agent service as shown in FIG. 7A and prompts the card member to input. Note that the input screen in FIG. 7A is an example, and the type of items to be displayed, the arrangement of input fields, and the like can be variously modified.

  In the example of FIG. 7A, together with the credit card holder and the usage limit (current usage limit), the price paid by the payment agency service (use amount), the card settlement method (number of payments, revolving payment) , Continuous payment) input field is displayed.

  When using revolving payment, the cardholder checks the check box under “Revolving Payment”. When using a continuous payment that pays a fixed amount regularly every month, the card member checks a check box under “Continuous payment” and inputs a monthly payment date in the input field. For example, when using a payment agent service for payment of rent, monthly fee, etc., the card member inputs it in the “continuous payment” field.

  In the input screen of FIG. 7A, a field for inputting information of a transfer destination is displayed. In this example, the bank name, branch name, account type (current, normal), account number, and holder column are displayed as input fields for the transfer destination. In addition, an input field for specifying an execution date (transfer date) of the transfer by the payment agent service is displayed.

  Note that the transfer destination may be automatically read from an invoice image issued by a non-member store, or at least a part of information (for example, a holder or account) using a QR code or the like. Number etc.) may be automatically read. For example, if the QR code including the transfer destination information is printed on the invoice as in the invoice illustrated in FIG. 6B, the card member can easily input the transfer destination information. In addition, as a method of presenting the QR code to the card member, for example, a method of posting at a store of a non-member store can be applied.

  The card payment amount is further displayed on the input screen of FIG. This card settlement amount is an amount obtained by adding a predetermined fee to the price paid to the non-member store by the payment agency service, and is an amount collected from the card member by the card settlement. The control means 123 calculates a fee according to the price (for example, 2 to 5% of the price), and displays the total amount of the calculated fee and the price as a card settlement amount.

  In the input screen shown in FIG. 7A, an object described as “Send” is a button object for transmitting the contents of the input screen to the card payment system 101. An object described as “photographing” is a button object for calling an imaging function (imaging unit 122) of the user terminal 102 in order to capture an invoice and generate an invoice image. An object described as “read” is a button object for calling an imaging function (imaging unit 122) of the user terminal 102 in order to read the QR code.

  For example, a card member presses a “shoot” button to call an imaging function, images a bill, and generates a bill image. When the generation of the invoice image is completed, the file name of the invoice image (“BL1000101.jpg” in the example of FIG. 7A) is displayed on the input screen. Note that the file format of the invoice image is arbitrary. For example, a BMP format or a GIF format may be used. When the “Send” button is pressed, the control unit 123 sends the input information and the invoice image to the card payment system 101.

  The function of the user terminal 102 has been described above.

[1-6. Function of non-member store terminal]
Next, functions of the non-member store terminal 103 will be described with reference to FIG. FIG. 8 is a block diagram illustrating an example of functions of the non-member store terminal according to the first embodiment. Note that the non-member store terminal 103 illustrated in FIG. 8 is an example of a non-member store terminal according to the first embodiment.

  As shown in FIG. 8, the non-member store terminal 103 includes a storage unit 131, an input unit 132, and an output unit 133. The function of the storage unit 131 can be realized by the memory 72 described above. The function of the input unit 132 can be realized by an input interface connected to the connection IF 75 described above. The function of the output unit 133 can be realized by the connection IF 75 and the processor 71 described above.

  The storage unit 131 stores fixed information 131a and store information 131b. The fixed form information 131a is information about the format of a document such as an invoice. For example, when the format of the document that is the basis of the confirmation information 113b described above is disclosed by the card payment system 101, the non-member store downloads the format using the non-member store terminal 103 and stores it as the standard information 131a. You may store in the means 131. FIG.

  The store information 131b is information about non-member stores. For example, the store information 131b includes information about a bank account that can be used as a transfer destination by the payment agency service, and information about a non-member store described in the invoice (for example, company name, name, representative name, etc.). . Further, the store information 131b may include QR code information.

  The input means 132 is used to operate the non-member store terminal 103 and input information. The output unit 133 performs control for outputting information to the display DSP and the printer PRT. For example, the output unit 133 displays document data such as an invoice on the display DSP based on the fixed form information 131a. The output unit 133 controls the printer PRT to print a document in which information such as a transfer destination is input.

  As described above, the non-member store terminal 103 is a terminal used by the non-member store to issue a document such as a bill that is the basis of the above-described confirmation information 113b. However, invoices and other documents can be created manually. Therefore, a non-member store can use the payment agent service of the first embodiment without using the non-member store terminal 103 described above.

  The function of the non-member store terminal 103 has been described above.

[1-7. Process flow]
Next, the flow of processing mainly executed by the card payment system 101 and the user terminal 102 will be described. Here, for convenience of explanation, the description will be made on the assumption that the non-member store issues a bill using the non-member store terminal 103.

(Overall processing sequence)
First, an overall processing sequence of the system including the card settlement system 101 and the user terminal 102 will be described with reference to FIG. FIG. 9 is a sequence diagram showing a flow of processing executed by the card payment system, the non-member store terminal, and the user terminal when realizing the payment agent method according to the first embodiment.

  In the example of FIG. 9, the description will be made on the assumption that the application 121 a has already been activated on the user terminal 102 and the card member system has been successfully authenticated by the card payment system 101.

  (S 101) When a sales contract / service provision contract 61 is concluded between the card member and the non-member store, the non-member store issues a bill using the non-member store terminal 103.

  For example, the non-member store terminal 103 prints a bill in which information (company name, etc.) about the non-member store indicated by the store information 131b, QR code, and the like is written on the printer PRT in the format of the bill indicated by the fixed form information 131a. To do. Here, the description will be made on the assumption that a QR code including the account information about the bank account of the non-member store is printed on the invoice. The QR code may be posted at a store of a non-member store, for example.

  (S102) When the card member selects an item of the payment agent service from the portal screen of the application 121a, the user terminal 102 issues a confirmation request for confirming the presence or absence of the service use contract 62 via the application 121a. Send to system 101.

  (S103) In response to the confirmation request, the card settlement system 101 identifies the record of the member information 113a corresponding to the card member from the card member information (card number or the like) specified at the time of login. Then, the card settlement system 101 confirms the presence / absence of the service use contract 62 based on the contents of the specified record. In this example, since there is a service use contract 62, the card settlement system 101 responds to the user terminal 102 as “contracted”.

  (S104) The user terminal 102 changes the display screen of the application 121a to the payment proxy service input screen (see FIG. 7A) in response to the response “contracted”. Then, the user terminal 102 receives an input for the input screen. Here, the card member inputs information about the price and the card settlement method.

  (S105) When the “shoot” button object is pressed, the user terminal 102 activates the image pickup function (image pickup means 122) and sends a message prompting the user to shoot a bill that confirms the sales contract / service provision contract 61. indicate. After the photographing operation by the card member, the user terminal 102 generates a bill image and displays the file name of the bill image on the input screen.

  (S106) When the “read” button object is pressed, the user terminal 102 activates the imaging function (imaging means 122) and displays a message prompting the user to capture the QR code. After the photographing operation by the card member, the user terminal 102 reads the account information of the non-member store from the QR code, and displays the read account information in the input field of the input screen.

  Note that when the card member manually inputs information about the bank account, such as account information, the process of S106 can be omitted.

  (S107) When the “Send” button object is pressed, the user terminal 102 sends a payment request including the information entered in the input field of the input screen and the bill image to the card settlement system 101. Note that the user terminal 102 may display a message prompting re-input when an amount exceeding the credit card usage limit is input or when there is an input omission.

  (S108) The card settlement system 101 receives the payment request transmitted from the user terminal 102, and from the payment request, the card member pays the payment (hereinafter referred to as payment amount) using the payment agency service, the card settlement method, Extract information about the bank account and invoice image.

  (S109) The card settlement system 101 checks whether the payment amount exceeds the credit card usage limit. At this time, the card settlement system 101 may confirm the existence of a bank account as a transfer destination. The card payment system 101 permits the start of the processing after S110 when the check is OK. On the other hand, in the case of check NG, the card payment system 101 notifies the user terminal 102 that an error has occurred.

  (S110) The card settlement system 101 checks an invoice that is a confirmation of the sales contract / service provision contract 61 based on the invoice image included in the payment request. The invoice check is performed, for example, by a verifier on the card payment system 101 side, automatically by the card payment system 101, or a combination of both.

  For example, the card payment system 101 reads information on the payment amount and the transfer destination (account number, etc.) described in the invoice from the invoice image and matches the information about the payment amount and the transfer destination included in the payment request. Determine whether.

  When the two match, the card settlement system 101 determines that the check is OK. If the two do not match, the card settlement system 101 displays the invoice image on the display device of the terminal used by the verifier and prompts a visual check. In this case, when the verifier inputs that the check is OK, the card settlement system 101 determines that the check is OK.

  If the check is OK, the card payment system 101 permits the start of the processes after S111. On the other hand, in the case of check NG, the card payment system 101 notifies the user terminal 102 that an error has occurred.

  (S111) The card settlement system 101 calculates a fee according to the amount of payment, and calculates the total amount of the calculated fee and the amount of payment. For example, the fee is set to an amount corresponding to a predetermined ratio (for example, 2 to 5%) of the payment amount. The card payment system 101 performs a process (card payment process) for collecting the total amount by card payment using a cardholder's credit card. The payment amount is withdrawn on the designated withdrawal date.

  (S112) The card settlement system 101 executes a process (transfer process) for transferring the payment amount to the bank account of the non-member store based on the information about the transfer destination included in the payment request. If the transfer date is specified, the payment amount is transferred on the specified transfer date. On the other hand, when there is no designation of the transfer date, for example, the payment amount is transferred on the most recent day when the transfer can be executed.

  Note that the order of the processing of S111 and S112 may be reversed. When the card payment process and the transfer process are completed, the card payment system 101 issues a payment agent ID for the current use of the payment agent service. The payment agent ID is issued every time the payment agent service is used so that the individual sales contract / service provision contract 61 can be specified.

  The card settlement system 101 transmits a completion notification including the payment agent ID issued this time to the user terminal 102 to notify that the payment to the non-member store is completed.

  (S113) When the user terminal 102 receives the completion notification from the card payment system 101, the user terminal 102 displays that the payment has been completed on the display screen of the application 121a. In addition, the user terminal 102 displays the payment agent ID included in the completion notification on the display screen and displays a message prompting the non-member store to present the payment agent ID.

  The card member presents the display on the user terminal 102 to the non-member store, and notifies the non-member store of the fact that payment has been completed and the payment agent ID. The payment agent ID is managed by the card payment system 101. For example, when the card payment system 101 presents a payment agent ID and receives an information disclosure request, the card payment system 101 can refer to the status of the card payment process and the transfer process, and the invoice image.

  As described above, when the mechanism of the first embodiment is applied, the non-member store can substantially receive payment using card payment only by issuing a bill. Further, since the invoice image can be referred to using the payment agent ID, both the non-member store and the card member can confirm whether the processing target is the sales contract / service provision contract 61 intended. In addition, since the card settlement system 101 can also confirm the sales contract / service provision contract 61, the fraudulent use of the payment agent service can be checked in advance and / or after the fact.

(User terminal processing flow)
Here, the flow of processing executed by the user terminal 102 in the above processing sequence will be described in more detail with reference to FIGS. 10 and 11. FIG. 10 is a first flowchart showing a flow of processing executed by the user terminal according to the first embodiment. FIG. 11 is a second flowchart showing the flow of processing executed by the user terminal according to the first embodiment.

  (S121) The card member uses the input means 125 to activate the application 121a. When the activation operation of the application 121a is performed, the control unit 123 executes the application 121a read from the storage unit 121 and displays a login screen for logging in to the card payment system 101 on the display unit 124.

  When login information such as a login ID and a password is input, the control unit 123 transmits an access request including the login information to the card settlement system 101 to request the member authentication. Note that the control unit 123 may obtain at least part of the login information from the member information 121b in the storage unit 121.

  The control means 123 receives the member authentication result from the card payment system 101. In this example, the description will be made on the assumption that the member authentication is successful. When the member authentication is successful, the control unit 123 may receive information on the credit card usage limit amount from the card settlement system 101 together with the result of the member authentication.

  (S122) The control means 123 displays the portal screen of the application 121a. On the portal screen, items for selecting functions of various services including the payment agent service are displayed. For example, items of various services are displayed in a form such as a button object or a pull-down menu. When using the payment agent service, the card member selects an item of the payment agent service. The control means 123 accepts a selection by a card member.

  (S123) The control unit 123 transmits a confirmation request to the card settlement system 101 for confirming whether or not the card member has concluded a payment agent service usage contract (service usage contract 62).

  (S124) The control means 123 receives the confirmation result notification transmitted from the card settlement system 101 in response to the confirmation request. The control means 123 determines whether there is a valid service use contract 62 based on this notification.

  For example, when there is no service use contract 62 or when the contract period has already ended, the control unit 123 receives a notification that “no contract”. In this case, the control means 123 determines that there is no valid usage contract. On the other hand, when the notification indicating “contracted” is received, the control unit 123 determines that there is a valid usage contract.

  If there is a valid usage contract, the process proceeds to S128. On the other hand, if there is no valid usage contract, the process proceeds to S125.

  (S125) The control means 123 causes the display means 124 to display a contract procedure screen for performing the procedure of the service use contract 62 (hereinafter referred to as contract procedure). In addition, the screen for the contract procedure is not displayed directly, but a message for prompting the contract procedure and a button object for displaying the screen for the contract procedure are displayed on the screen of the application 121a, or the site for the contract procedure is accessed. The method of displaying the link for doing is also applicable.

  (S126) The control means 123 confirms the status of the contract procedure by the card member and determines whether or not the contract procedure is completed. For example, the contract procedure is completed when the card settlement system 101 is accessed via the application 121a from the contract procedure screen, and the card member agrees to agreement items such as contract terms and service usage fees.

  The control means 123 determines that the contract procedure has been completed when it receives a notification from the card settlement system 101 that the contract procedure has been completed. On the other hand, when a notification that the contract procedure has failed is received from the card settlement system 101, or when the card member transitions from the contract procedure screen to the portal screen of the application 121a, the control unit 123 has not completed the contract procedure. It is determined that the process has ended.

  When the contract procedure is completed, the process proceeds to S128. On the other hand, when the contract procedure is not completed, the process proceeds to S127.

  (S127) The control means 123 displays a message indicating that the payment agent service cannot be used on the screen of the application 121a, and notifies the card member that the payment agent service cannot be used. When the process of S127 is completed, the process proceeds to S139.

  (S128) The control means 123 displays a message instructing the input of the payment amount and the settlement method on the screen of the application 121a, and accepts the input by the card member.

  (S129) When the “shoot” button object is pressed, the control unit 123 activates the imaging function (imaging unit 122) of the user terminal 102, and displays a message for instructing the shooting operation of the bill on the screen of the application 121a. indicate. The imaging unit 122 generates image data of a subject (invoice) in accordance with a photographing operation by a card member.

  (S130) The control means 123 displays on the screen of the application 121a a message instructing input of payment destination information or photographing of the QR code (reading of the QR code).

  When the “read” button object is pressed, the control unit 123 activates the imaging function (imaging unit 122) of the user terminal 102 and displays a message instructing to capture the QR code. The imaging means 122 images a QR code in accordance with a photographing operation by a card member and reads QR code information (payee information in this example).

  (S131) In response to a transmission operation of pressing the “Send” button object, the control unit 123 confirms an input omission. When there is uninput information, the control unit 123 displays a message for instructing input of the uninput information on the screen of the application 121a. At this time, the control means 123 may confirm whether or not the payment amount exceeds the card usage limit.

  (S132) The control means 123 transmits a payment request including a bill image, a payment amount, a payment method (number of payments, revolving payment, continuous payment, etc.), and payment destination information to the card payment system 101. When the process of S132 is completed, the process proceeds to S133.

  (S133) The control means 123 receives a completion notification or a rejection notification transmitted from the card settlement system 101. The completion notification is a notification indicating that the payment processing by the payment agent service has been completed, and includes a payment agent ID. On the other hand, the rejection notification is an error notification indicating that payment processing by the payment proxy service has failed.

  (S134) The control means 123 determines whether or not the notification received from the card payment system 101 is a completion notification. If the received notification is a completion notification, the process proceeds to S136. On the other hand, if the received notification is not a completion notification (if it is a rejection notification), the process proceeds to S135.

  (S135) The control means 123 acquires a rejection reason from the rejection notification. Reasons for refusal include, for example, that the payment amount exceeds the card usage limit, that the verification check on the invoice has failed, and that the transfer destination cannot be specified from the payee information. The control means 123 displays the failure of the procedure for the payment agency service and the reason for refusal on the screen of the application 121a. When the process of S135 is completed, the process proceeds to S139.

  (S136) The control means 123 acquires the payment agent ID from the completion notification.

  (S137) The control means 123 displays on the screen of the application 121a that the payment procedure by the payment agent service has been completed and the payment agent ID, and also displays a message prompting the display contents to be presented to the non-member store. .

  (S138) The control means 123 receives information on a procedure status confirmation site (URL (Uniform Resource Locator), etc.) that allows confirmation of an invoice image and procedure status (card payment processing and transfer processing status) by inputting a payment agent ID. ) Is displayed. Note that the control unit 123 may display a search keyword or URL itself that can specify the procedure status confirmation site on the screen of the application 121a.

  (S139) The control means 123 displays the portal screen of the application 121a. When the process of S139 is completed, the series of processes shown in FIGS. 10 and 11 ends.

  As described above, an invoice image serving as confirmation of the sales contract / service provision contract 61 is generated using the imaging function (imaging means 122) of the user terminal 102 and transmitted to the card settlement system 101. Therefore, the non-member store does not require a special device for providing confirmation to the card payment system 101.

  In addition, since information can be input using a QR code, it is possible to reduce input burdens and input errors. In the example of FIG. 10, even if there is no valid service usage contract 62, a card member can immediately perform the contract procedure with the application 121 a, so that the procedure burden can be reduced.

(Processing flow of card payment system)
Next, the flow of processing executed by the card payment system 101 in the above processing sequence will be described in more detail with reference to FIG. FIG. 12 is a flowchart showing a flow of processing executed by the card settlement system according to the first embodiment.

  (S141) The card settlement means 112 receives login information transmitted from the user terminal 102. The card settlement unit 112 performs member authentication based on the login information and the member information 113a, and transmits the result of the member authentication to the user terminal 102. In this example, the description will be made on the assumption that the member authentication is successful.

  (S142) The payment agent means 111 receives a confirmation request for a usage contract (service usage contract 62) regarding the payment proxy service from the user terminal 102. Then, the payment agent means 111 identifies the corresponding card member record from the member information 113a, and refers to the “service use contract” column of the identified record.

  (S143) The payment agent means 111 determines whether or not there is a service use contract 62.

  If “record is present” is described in the record specified in S <b> 142, the payment agent means 111 determines that there is a service use contract 62. On the other hand, when “no contract” is described in the record specified in S142, the payment agent means 111 determines that there is no service use contract 62. If there is a service usage contract 62, the process proceeds to S145. On the other hand, if there is no service usage contract 62, the process proceeds to S144.

  (S144) The payment agent means 111 notifies the user terminal 102 that there is no service usage contract 62 as a response to the confirmation request. When the process of S144 is completed, the series of processes shown in FIG.

  (S145) The payment agent means 111 notifies the user terminal 102 that there is a service usage contract 62 as a response to the confirmation request. Then, the payment agent means 111 waits for a payment request from the user terminal 102. At this time, the payment agent means 111 waits for a payment request for a predetermined period after a response to the confirmation request.

  (S146) The payment agent means 111 determines whether or not a payment request has been received from the user terminal 102. When the payment request is received, the process proceeds to S147. On the other hand, if the payment request is not received even after the fixed period has elapsed, the process proceeds to S153.

  (S147) The payment agent means 111 acquires information on the amount of payment included in the payment request, and determines whether or not the amount of payment is less than the credit card usage limit. If the payment amount is less than the usage limit, the process proceeds to S148. On the other hand, if the payment amount is not less than the usage limit amount, the process proceeds to S153. Note that the processing may be changed to proceed to S148 when the payment amount is the same as the usage limit amount.

  (S148) The payment agent means 111 performs invoice check (confirmation check) that provides confirmation of the sales contract / service provision contract 61 based on the invoice image included in the payment request. An example of confirmation check will be described later. The payment agent means 111 determines whether or not the confirmation check is successful (check OK). If the check is OK, the process proceeds to S149. On the other hand, if the check is not OK, the process proceeds to S153.

  (S149) The payment agent means 111 issues a payment agent ID for identifying use of the payment agent service in the current sales contract / service provision contract 61.

  (S150) The payment agent means 111 executes a transfer process for transferring the payment amount to the bank account of the non-member store based on the payee information included in the payment request. At this time, the payment agent means 111 accesses the bank system 104 and executes a procedural process for transferring the payment amount to the bank account of the non-member store on the designated transfer date.

  (S151) The payment agent means 111 calculates a fee according to the amount of payment, and calculates the total amount of the calculated fee and the amount of payment. Further, the payment agent means 111 cooperates with the card payment means 112 to execute card payment processing for card payment of the calculated total amount based on the payment method included in the payment request.

  (S152) The payment agent means 111 transmits a completion notification including the payment agent ID to the user terminal 102. When the process of S152 is completed, the series of processes shown in FIG.

  (S153) The payment agent means 111 transmits a rejection notice including the reason for refusal to the user terminal 102.

  For example, when a payment request is not received in S146, the rejection notification includes a rejection reason indicating a timeout. When the payment amount is not smaller than the usage limit amount in S147, the rejection notification includes a rejection reason indicating that the payment amount is exceeded. If the confirmation check is not successful in S148, the reason for rejection includes a reason for rejection indicating that the confirmation check has failed.

  When the process of S153 is completed, the series of processes illustrated in FIG.

  As described above, when applying the mechanism of the first embodiment, the card payment system 101 performs confirmation check on the sales contract / service provision contract 61 based on information transmitted from the user terminal 102 via the application 121a. Various checks are performed, and payment processing including card settlement is executed according to the check result. In addition, since the fees associated with card payments are collected from card members who enjoy the convenience of the payment agent service, it contributes to reducing the burden on non-member stores.

  Here, the confirmation check process described above will be described in more detail with reference to FIG. FIG. 13 is a flowchart showing a flow of processing related to the verification check among the processing executed by the card settlement system according to the first embodiment. Note that the content of the processing shown in FIG. 13 is merely an example, and some of the processing can be omitted or other check processing can be added.

  (S161) The payment agent means 111 reads the billing amount from the bill image. For example, the payment agent means 111 reads the amount charged using a technique such as OCR (Optical Character Recognition / Reader). When a non-member store uses a preset format, the billing amount description position and the like are known.

  (S162) The payment agent means 111 determines whether or not the read charge amount matches the payment amount included in the payment request. If the charged amount matches the paid amount, the process proceeds to S163. On the other hand, if the charge amount does not match the payment amount, or if the charge amount cannot be read correctly from the invoice image, the process proceeds to S166.

  (S163) The payment agent means 111 reads payment destination information from the invoice image. For example, the payment agent means 111 reads payment destination information using a technique such as OCR. When the QR code of the payment destination information is described in the invoice, the payment agent means 111 may read the payment destination information from the QR code. The information read by the payment agent means 111 may be only a part of the payee information (for example, an account number).

  (S164) The payment agent means 111 determines whether or not the account number of the payee information included in the payment request matches the account number read from the invoice image. If these two account numbers match, the process proceeds to S165. On the other hand, if these two account numbers do not match, the process proceeds to S166.

  In this example, the account number of the payee information is used for checking, but other information included in the payee information may be used for checking. Further, the payment agent means 111 accesses the bank system 104 at this point, and whether the account number included in the payment destination information actually exists or the account holder corresponding to the account number is the account holder of the payment destination information. You may check if it matches.

  (S165) The payment agent means 111 determines that the confirmation check is OK. When the process of S165 is completed, the series of processes illustrated in FIG.

  (S166) The payment agent means 111 displays a message prompting confirmation by the verifier on the verifier's terminal together with the bill image, and waits for the input of the confirmation result by the verifier. Note that the payment agent means 111 may send the message and the invoice image to the verifier by means such as e-mail.

  (S167) The payment agent means 111 determines whether or not the verifier determines that the check is OK according to the input content by the verifier. If the verifier determines that the check is OK, the process proceeds to S168. On the other hand, if the verifier does not determine that the check is OK, the process proceeds to S169.

  (S168) The payment agent means 111 determines that the confirmation check is OK. When the process of S168 is completed, the series of processes illustrated in FIG. 13 ends.

  (S169) The payment agent means 111 determines that the verification check is a check NG (check failure). When the process of S169 is completed, the series of processes illustrated in FIG.

  As described above, by performing the verification check based on the information read from the bill image, the burden on the verification check can be reduced. In addition, even if the verification check fails due to incomplete reading of the invoice image, etc., the verification can be remedied by a check by the verifier, so that the card member and the non-member store are less likely to redo the procedure from the beginning due to an error in the verification check. And contribute to reducing the burden on non-member stores.

  The first embodiment according to the present invention has been described above.

<2. Second Embodiment>
Next, a second embodiment according to the present invention will be described. The second embodiment relates to a card payment system having a card payment function of a member store, and in particular, when the non-member store is a card member, the above payment agency without using a bill issued by the non-member store. The present invention relates to a mechanism for realizing a service.

  In the following description, the constituent elements according to the first embodiment that have already been described are denoted by the same reference numerals, and redundant description thereof will be omitted, and only differences from the constituent elements according to the second embodiment will be described. There is a case.

  For example, since the mechanism according to the second embodiment can be applied to the system configuration illustrated in FIG. 1, description of the system configuration example is omitted. Similarly, description of the hardware configuration examples of the card payment system 101, the user terminal 102, and the non-member store terminal 103 is also omitted. However, in the second embodiment, the non-member store terminal 103 is connected to the network 50 and can access the card payment system 101.

[2-1. Payment agent method]
First, a payment agent method according to the second embodiment will be described with reference to FIG. FIG. 14 is an explanatory diagram for explaining a payment agent method according to the second embodiment.

  As shown in FIG. 14, the main difference between the payment agent method according to the first embodiment shown in FIG. 2 and the payment agent method according to the second embodiment is that the non-member store is a card member. is there. In the second embodiment, a sales contract / service provision contract 61 is concluded with a non-member store, and a card member who uses the payment agent service is simply referred to as a “user”.

  Since the non-member store is a card member, the card settlement system 101 holds information about the credit card of the non-member store. Non-member stores can also use the same application (an application 131c described later) as the application 121a of the user terminal 102, and can access the card payment system 101 via the application 131c. In the second embodiment, using this environment, information different from the invoice image is used as confirmation of the sales contract / service provision contract 61.

  Further, since the non-member store is a card member, the payment from the card settlement system 101 to the non-member store can be performed by a method other than bank transfer.

  For example, card remittance that transfers money from one card member to the other card member can be used for the payment agent service. Also, when the card usage amount used by non-member stores is withdrawn, the payment amount of the payment agent service can be reduced from the withdrawal amount, or a part of the withdrawal amount (amount equivalent to the payment amount) can be returned to the withdrawal account. A mechanism for substantive payment can also be applied.

  As described above, in the second embodiment, information different from the bill image is used as confirmation of the sales contract / service provision contract 61, and payment to the non-member store can be executed by a method other than account transfer. Is different from the first embodiment. In addition, payment to a non-member store can be carried out by bank transfer, and the mechanisms of the first and second embodiments can be combined.

  Here, an overall processing sequence of the system according to the second embodiment will be described with reference to FIG. FIG. 15 is a sequence diagram showing a flow of processing executed by the card settlement system, the non-member store terminal, and the user terminal when realizing the payment agent method according to the second embodiment.

  In the example of FIG. 15, the application 121 a has already started on the user terminal 102, the application 131 c has already started on the non-member store terminal 103, and the member authentication of the user and the non-member store has succeeded in the card payment system 101. The explanation will proceed on the assumption that

  (S201) When the non-member store selects the payment agent service item as the billing side from the portal screen of the application 131c, the non-member store terminal 103 inputs the billing amount and the payment method on the screen of the application 131c. Display the input screen. Examples of payment methods include bank transfer and card remittance. Card remittance will be described later.

  (S202) When the non-member store inputs the charge amount and the payment method, the non-member store terminal 103 generates a payment request A including the charge amount and the payment method.

  (S203) The non-member store terminal 103 transmits the payment request A to the card settlement system 101, requests the issuance of a key used to generate key information to confirm the sales contract / service provision contract 61, and pays the billed amount. Request.

  (S204) Upon receiving the payment request A from the non-member store terminal 103, the card settlement system 101 issues a payment ID for identifying the current payment request A. Further, the card payment system 101 generates a key used for generating key information based on the payment ID, the card number of the non-member store, and the issue date and time of the payment ID. In this example, a hash value generated from a payment ID, a card number, and an issue date is used as a key. The card payment system 101 transmits the generated key (hash value) to the non-member store terminal 103.

  (S205) The non-member store terminal 103 generates key information including the key (hash value) received from the card settlement system 101 and the card number of the non-member store. Then, the non-member store terminal 103 provides the generated key information to the user.

  For example, the non-member store terminal 103 generates a QR code from the key information, displays the generated QR code on the display DSP, or prints the QR code with the printer PRT and presents it to the user. The user can easily obtain the key information by reading the QR code using the imaging function (imaging means 122) of the user terminal 102.

  As a method for providing key information from the non-member store terminal 103 to the user terminal 102, for example, a method using the network 50, a method using non-contact communication, and a method using a recording medium in addition to the QR code. Etc. are applicable. In this example, the non-member store terminal 103 generates a QR code from the key information, but the card payment system 101 generates a QR code, and the QR code image data is transmitted to the non-member store terminal 103. May be.

  (S206, S207) When the user selects the payment agent service item as the payment side from the portal screen of the application 121a, the user terminal 102 confirms the presence / absence of the service usage contract 62 via the application 121a. A confirmation request is transmitted to the card settlement system 101. As in the case of the first embodiment, the card settlement system 101 transmits a confirmation result to the user terminal 102 in response to the confirmation request. In this example, the card payment system 101 responds with “contracted”.

  (S208) Upon receiving a response from the card payment system 101, the user terminal 102 changes the screen of the application 121a to an input screen for a payment agent service, and accepts an input to the input screen. Here, the user inputs a payment amount and a settlement method (number of payments, revolving payment, continuous payment, etc.).

  (S209) The user inputs the key information provided from the non-member store terminal 103 to the user terminal 102. When the key information is provided as a QR code, the user reads the QR code using the imaging function (imaging unit 122) of the user terminal 102. Then, the user terminal 102 generates a payment request B including the payment amount and settlement method input by the user, and key information.

  (S210) The user terminal 102 transmits the payment request B to the card settlement system 101 and requests payment by the payment agent service.

  (S211) The card settlement system 101 accepts the payment request A transmitted from the non-member store terminal 103 and the payment request B transmitted from the user terminal 102. Note that the card settlement system 101 may reject acceptance when the payment request B cannot be received even after a certain period (for example, 30 minutes) has elapsed since the payment request A was received.

  (S212) The card settlement system 101 determines whether payment is permitted or not based on the two payment requests A and B. For example, the card settlement system 101 determines whether or not the hash value transmitted as a key to the non-member store terminal 103 matches the hash value included in the payment request B. If the two hash values match, the card payment system 101 permits the payment processing by the payment agent service. If they do not match, the card settlement system 101 permits or rejects payment processing by the payment agent service.

  (S213, S214, S215) As in the first embodiment, the card settlement system 101 compares the credit limit of the user's credit card with the payment amount, and checks that the payment amount is less than the credit limit ( Check the amount). The card payment system 101 executes processing for payment to a non-member store (hereinafter referred to as payment processing) and card payment processing using a user's credit card. The payment process will be described later.

  (S216, S217) The card payment system 101 transmits a completion notification indicating that the payment process and the card payment process are completed to the non-member store terminal 103 and the user terminal 102. If any error occurs, a rejection notice similar to that in the first embodiment is transmitted to the non-member store terminal 103 and the user terminal 102.

  (S218, S219) The non-member store terminal 103 displays a message that the payment procedure is completed and a payment agent ID on the screen of the application 131c. Similarly, the user terminal 102 displays a message indicating that the payment procedure has been completed and a payment agent ID on the screen of the application 121a.

  As described above, the second embodiment uses a key based on the payment ID issued by the card settlement system 101 instead of using the invoice image as confirmation of the sales contract / service provision contract 61. In the example of FIG. 15, the card payment system 101 generates the key, but the non-member store terminal 103 may generate the key and provide it to the card payment system 101.

  When the mechanism of the second embodiment is applied, as in the first embodiment, the non-member store can substantially make a card payment without signing a member store contract with the credit card brand. Further, the non-member store can use the payment agent service if there is a commercially available computer on which the application 131c operates, and can use the payment agent service at a low introduction cost.

[2-2. Card payment system functions]
Here, with reference to FIG. 16, the function of the card payment system 101 will be described focusing on differences from the card payment system 101 shown in FIG. FIG. 16 is a block diagram illustrating an example of functions of the card payment system according to the second embodiment.

  As shown in FIG. 16, in the second embodiment, the card settlement system 101 includes a card remittance unit 114 in addition to the payment agent unit 111, the card settlement unit 112, and the storage unit 113. The function of the card remittance means 114 can be realized by the processor 71 described above.

  The storage means 113 stores stock information 113e and history information 113f in addition to member information 113a, payment destination information 113c, and billing destination information 113d.

  The stock information 113e and the history information 113f are examples of deposit / withdrawal management information for managing payment (withdrawal) to a non-member store and collection of payment amount (payment) by card settlement in the payment agent service.

  The stock information 113e and the history information 113f have contents as shown in FIG. 17, for example. FIG. 17 is a diagram showing an example of deposit / withdrawal management information (stock information, history information) according to the second embodiment.

  In the example of FIG. 17, the stock information 113e includes information on a credit card holder, a card number, an advance deposit amount, and a shortage card settlement scheduled amount.

  The advance deposit amount is, for example, the total amount of the amount received by card remittance and the amount previously deposited by the card member for card remittance. The shortage card settlement scheduled amount is a shortage amount that is scheduled to be settled by card settlement when the amount of remittance of the card remittance is larger than the advance deposit amount. Since the settlement of the deficient amount is also a card settlement, the number of payments can be made multiple times, or revolving payment can be used.

  The history information 113f includes information of payment ID, remittance source card number, remittance destination card number, remittance amount, remittance date and time, deposit and withdrawal.

  The payment ID issued in response to the payment request A is recorded in the payment ID column. In association with this payment ID, the user's card number is recorded in the remittance source card number column, and the card number of the non-member store is recorded in the remittance destination card number column. The payment amount is recorded in the remittance amount column, and the date and time when remittance is completed is recorded in the remittance date and time column.

  The remittance from the user to the non-member store is completed when the card payment processing (payment) by the user's credit card and the increase processing (withdrawal) to the pre-payment amount of the non-member store are completed. When the deposit is completed, “Done” is recorded in the deposit column. When the withdrawal is completed, “Done” is recorded in the withdrawal column.

  When card remittance is selected for payment to a non-member store, the completion date and time of card settlement processing (payment) and increase processing (withdrawal) is recorded in the remittance date / time column. When account transfer is selected for payment to the non-member store, the completion date and time of the card settlement process (payment) and the transfer process (withdrawal) is recorded in the remittance date and time column.

  Refer to FIG. 17 again. The main functions of the payment agent means 111 and the card payment means 112 are the same as those of the card payment system 101 shown in FIG. However, the payment agent 111 is added with functions for issuing a payment ID, generating a hash value as a key, and checking the hash value.

  The card remittance means 114 performs remittance using the deposit / withdrawal management information when card remittance is selected as the payment method. In the case of card remittance, since there is no transfer fee, the fee borne by the user can be reduced.

  For example, in the case of a system in which the advance deposit amount is transferred to an account on a predetermined date, the total amount of the transfer fee can be reduced as compared with the case where the transfer fee is paid each time payment is made by the payment agent service. . Further, when the card usage amount used by a non-member store is withdrawn from the account, the advance deposit amount is subtracted from the withdrawal amount, and the substantial advance deposit amount is paid, thereby further reducing the transfer fee.

  The function of the card payment system 101 in the second embodiment has been described above.

[2-3. Function of non-member store terminal]
Next, the functions of the non-member store terminal 103 will be described with reference to FIG. 18, focusing on the differences from the non-member store terminal 103 shown in FIG. FIG. 18 is a block diagram illustrating an example of functions of the non-member store terminal according to the second embodiment.

  As shown in FIG. 18, in the second embodiment, the non-member store terminal 103 explicitly describes the control means 134 in addition to the storage means 131, the input means 132, and the output means 133. The function of the control unit 134 can be realized by the processor 71 described above.

  In addition to the fixed information 131a and the store information 131b, the storage 131 stores the application 131c and the member information 131d.

  The application 131 c is the same application program used for accessing the card payment system 101 as the application 121 a executed on the user terminal 102. The member information 131d is information such as a login ID and a card number of a non-member store that uses the non-member store terminal 103. The member information 131d may be stored in the storage unit 131 in advance, or may be stored in the storage unit 131 when input to the application 131c.

  The control unit 134 reads the application 131c from the storage unit 131 and executes the read application 131c. For example, the control unit 131 displays a login screen of the application 131c on the display DSP and prompts a non-member store to input a password or the like. At this time, the control means 134 may read the member information 131d from the storage means 131 and automatically display information such as a login ID in the input field of the login screen.

  The control unit 134 performs member authentication, screen display of the application 131c, and the like, like the control unit 123 of the user terminal 102. When the payment agent service item is selected from the portal screen of the application 131c, the control unit 134 displays a selection object for selecting the billing side or the payment side. Since the non-member store becomes the billing side, the billing side is selected.

  When the billing side is selected, the control means 134 displays an input screen for inputting information such as a billing amount and a payment method (account transfer or card remittance). In addition, the control means 134 generates a payment request A, issues a key issuance request, and provides key information, and displays the completion of the procedure and the payment agent ID in response to receiving the completion notification.

  As a method for providing key information, for example, a method of displaying a QR code including key information on a display DSP, a method of printing the QR code with a printer PRT and passing it to a user, or a communication means such as non-contact communication A method of transmitting the key information itself to the user terminal 102 by using can be applied.

  The function of the non-member store terminal 103 in the second embodiment has been described above.

(About user terminal 102)
The main functions of the user terminal 102 are the same as those in the first embodiment. However, when the payment agent service item is selected from the portal screen of the application 121a, the control unit 123 of the user terminal 102 displays a selection object for selecting the billing side or the payment side. Since the user becomes the payer, the payer is selected. When the payment side is selected, the control means 123 displays an input screen (see FIG. 7) for inputting a payment amount, a settlement method, and the like, as in the first embodiment.

[2-4. Process flow]
Next, the flow of processing executed by the non-member store terminal 103, the user terminal 102, and the card payment system 101 in the second embodiment will be further described.

(Processing flow of non-member store terminals)
First, the flow of processing executed by the non-member store terminal 103 will be described with reference to FIG. FIG. 19 is a flowchart showing a flow of processing executed by the non-member store terminal according to the second embodiment.

  (S221) The non-member store starts the application 131c using the input means 132. When the activation operation of the application 131c is performed, the control unit 134 executes the application 131c read from the storage unit 131, and displays a login screen for logging in to the card payment system 101 on the display DSP.

  When login information such as a login ID and a password is input, the control unit 134 transmits an access request including the login information to the card settlement system 101 to request the member authentication. Note that the control unit 134 may acquire at least part of the login information from the member information 131d in the storage unit 131. The control unit 134 receives the result of the member authentication from the card payment system 101. In this example, the description will be made on the assumption that the member authentication is successful.

  (S222) The control means 134 displays the portal screen of the application 131c. On the portal screen, items for selecting functions of various services including the payment agent service are displayed. When using the payment agent service, the non-member store selects the item of the payment agent service. When the item of payment agency service is selected, the control means 134 displays a selection object for selecting a billing side or a payment side. The non-member store selects the billing side from the selection object.

  (S223) The control means 134 displays an input screen for inputting the billing amount and the payment method. In this example, account transfer and card transfer can be selected as the payment method. Note that account transfer and card remittance are examples, and other payment methods may be selected.

  (S224) The control means 134 generates a payment request A including the billing amount and the payment method, and transmits the payment request A to the card settlement system 101 as a request for issuing a payment ID as a key. In this example, a hash value generated based on information including a payment ID (for example, payment ID, card number, and payment ID issuance date / time) is used as a key. The control means 134 acquires a hash value transmitted from the card settlement system 101 as a response to the payment request A.

  (S225) The control means 134 generates key information including the card number of the non-member store and the hash value acquired from the card payment system 101. The control means 134 displays the QR code of the key information on the display DSP or prints it with the printer PRT. Note that the control unit 134 may transmit the key information to the user terminal 102 using a communication unit such as non-contact communication. Further, the QR code of the key information generated by the card payment system 101 may be acquired by the control unit 134 and displayed or printed.

  (S226) The control means 134 determines whether or not the completion notice has been received within a certain time from the transmission of the payment request A. For example, when a completion notification is not received even after a fixed time has elapsed from the payment request A (timeout) or a rejection notification is received, the control unit 134 determines that the completion notification has not been received.

  If the completion notification can be received within a certain time, the process proceeds to S227. On the other hand, if the completion notification cannot be received within a certain time, the control means 134 displays an error notification indicating the failure of the procedure, and advances the processing to S228.

  (S227) The control means 134 displays on the display DSP that the payment agent service procedure has been completed and the payment agent ID included in the completion notification. Further, the control unit 134 stores the payment agent ID in the storage unit 131.

  (S228) The control means 134 displays the portal screen of the application 131c on the display DSP. When the process of S228 is completed, the series of processes shown in FIG.

  As described above, the non-member store terminal 103 in the second embodiment does not issue a bill as confirmation of the sales contract / service provision contract 61 and uses key information (hash value in this example) as confirmation. . Therefore, the non-member store can proceed with the procedure using the application 131c, and the labor of the procedure can be further reduced.

(User terminal processing flow)
Next, the flow of processing executed by the user terminal 102 will be described with reference to FIG. FIG. 20 is a flowchart showing a flow of processing executed by the user terminal according to the second embodiment.

  (S231, S232, S233) Since the processing of S231 and S232 is substantially the same as the processing of S121 and S122 (first embodiment) in FIG. 10, detailed description thereof is omitted. The difference is that when the user selects an item of the payment agent service from the portal screen of the application 121a, a selection object for selecting the billing side or the payment side is displayed, and the user selects the payment side. .

  Regarding the confirmation of the user's usage contract for the payment agent service (S233), the content of the process is the same as that of the first embodiment (S123-S127 in FIG. 10). Detailed description regarding the processing is omitted.

  (S234) The control means 123 displays an input screen in the display area of the application 121a together with a message instructing input of a payment amount and a settlement method (number of payments, revolving payment, continuous payment, etc.), and accepts an input by the user. .

  (S235) The control means 123 activates the imaging function (imaging means 122) of the user terminal 102, and displays a message instructing photographing of a QR code provided from a non-member store. The imaging unit 122 images a QR code in accordance with a shooting operation by a user, and reads key information included in the QR code.

  (S236) The control means 123 generates a payment request B including the payment amount, the payment method, and the key information input from the input screen, and transmits the payment request B to the card payment system 101. Further, the control unit 123 stores the key information in the storage unit 121.

  In this example, the key information includes a hash value and a card number of a non-member store. The hash value is generated based on, for example, the payment ID, the card number of the non-member store, and the issue date and time of the payment ID. In this case, the control means 123 acquires the payment ID and the issuance date / time of the payment ID from the card settlement system 101, calculates a hash value using the card number of the key information, and matches the hash value included in the key information. By confirming, the legitimacy of the payee (non-member store) can be confirmed.

  Therefore, before sending the payment request B, the control unit 123 may execute the above-described processing for confirming the match of the hash values, and send the payment request B after confirming the match. By including such a confirmation mechanism, safety can be improved.

  (S237) The control means 123 determines whether or not the completion notice has been received within a certain time from the transmission of the payment request B. For example, when a completion notification is not received even after a fixed time has elapsed from the payment request B (timeout) or a rejection notification is received, the control unit 123 determines that the completion notification has not been received.

  If the completion notification can be received within a certain time, the process proceeds to S238. On the other hand, when the completion notification cannot be received within a certain time, the control means 123 displays an error notification indicating the failure of the procedure, and advances the process to S239. Note that the fixed time for the control means 123 to determine the timeout is set to a sufficiently longer time than the fixed time for the non-member store terminal 103 to determine the timeout.

  (S238) The control means 123 displays on the display means 124 that the payment proxy service procedure has been completed and the payment proxy ID included in the completion notification. Further, the control means 123 stores the payment agent ID in the storage means 121.

  (S239) The control means 123 displays the portal screen of the application 121a on the display means 124. When the process of S239 is completed, the series of processes shown in FIG.

  As described above, the user terminal 102 in the second embodiment acquires key information including a hash value from the non-member store terminal 103 using a QR code. The hash value is generated from information including, for example, a payment ID for specifying payment based on the sales contract / service provision contract 61 and a card number of a non-member store that is a payment destination.

  Although the hash value is used in the above example, an information set in which information such as a payment ID and a card number is combined may be used. That is, if the non-member store, the user, and the sales contract / service provision contract 61 can be linked using the payment ID, the mechanism of the second embodiment can be realized.

  According to the mechanism of the second embodiment, confirmation can be obtained for the sales contract / service provision contract 61 between the user and the non-member store using the payment ID or information based on the payment ID as a key. Both stores can complete the procedure with the app, and the labor of the procedure can be reduced.

(Processing flow of card payment system)
Next, the flow of processing executed by the card payment system 101 will be described with reference to FIGS. 21 and 22. FIG. 21 is a first flowchart showing a flow of processing executed by the card settlement system according to the second embodiment. FIG. 22 is a second flowchart showing the flow of processing executed by the card settlement system according to the second embodiment.

  (S251, S252) The card settlement means 112 performs member authentication for both the user and the non-member store. Since the member authentication process is the same as that in the first embodiment (S141 in FIG. 12), detailed description thereof is omitted. In this example, the description will be made on the assumption that the member authentication is successful. Moreover, since the process for confirming the user's usage contract regarding the payment agent service is the same as that in the first embodiment (S142 to S145 in FIG. 12), detailed description thereof is omitted. In this example, the description will proceed on the assumption that there is a usage contract.

  (S253) The payment agent 111 waits for a payment request A from the non-member store terminal 103. When the payment request A is received, the payment agent means 111 issues a unique payment ID associated with the received payment request A, and the process proceeds to S254.

  (S254) The payment agent means 111 generates a hash value based on the issued payment ID, the card number of the non-member store, and the issue date and time of the payment ID. However, the card number of the non-member store is specified at the time of login by the application 131c. A predetermined hash function is used to generate the hash value. Note that the types of hash functions that can be used are arbitrary.

  (S255) The payment agent 111 transmits a hash value to the non-member store terminal 103 as a response to the payment request A.

  (S256) The payment agent 111 waits for a payment request B from the user terminal 102. When payment request B is received, payment agent means 111 associates payment requests A and B based on the card number included in payment request B, and advances the process to S257.

  (S257) The payment agent 111 determines whether the hash value transmitted to the non-member store terminal 103 as a response to the payment request A matches the hash value included in the payment request B.

  If the hash values match, the process proceeds to S258. On the other hand, if the hash values do not match, the payment agent 111 transmits a rejection notification indicating an error to the non-member store terminal 103 and the user terminal 102, and ends the series of processing shown in FIGS. .

  (S258) The payment agent means 111 determines whether or not the payment amount indicated by the payment request B is within the usage limit amount of the user. If the payment amount is within the usage limit, the process proceeds to S259. On the other hand, when the payment amount is outside the range of the usage limit amount, the payment agent 111 transmits a rejection notice indicating an error to the non-member store terminal 103 and the user terminal 102, as shown in FIG. 21 and FIG. A series of processing ends.

  (S259) The payment agent 111 determines whether or not the billing amount indicated by the payment request A matches the payment amount indicated by the payment request B. If the billing amount and the payment amount match, the process proceeds to S260. On the other hand, if the charged amount and the paid amount do not match, the payment agent 111 transmits a rejection notice indicating an error to the non-member store terminal 103 and the user terminal 102, and the series of operations shown in FIGS. The process ends.

  (S260) The payment agent 111 adds a new record to the history information 113f, pays ID, remittance source card number (user's card number), remittance destination card number (card number of non-member store), remittance amount Register (payment amount).

  (S261) The payment agent means 111 calculates a fee according to the amount of payment, and calculates the total amount of the calculated fee and the amount of payment. Further, the payment agent means 111 cooperates with the card payment means 112 to execute card payment processing for card payment of the calculated total amount based on the payment method included in the payment request.

  (S262) The payment agent means 111 performs the payment completion registration (set the “payment” field to “completed”) for the record of the history information 113f newly added in S260.

  (S263) The payment agent means 111 determines whether or not the payment method indicated by the payment request A is card remittance. If the payment method is card remittance, the process proceeds to S264. On the other hand, when the payment method is not card remittance (in the case of account transfer), the process proceeds to S266.

  (S264) The card remittance means 114 identifies the record of the stock information 113e corresponding to the card number of the non-member store, and increases the advance deposit amount in the identified record by the amount of payment. Further, the card remittance means 114 updates the shortage card settlement scheduled amount when necessity arises in accordance with the update of the advance deposit amount.

  (S265) The payment agent means 111 performs withdrawal completion registration (the “withdrawal” column is set to “completed”) for the record of the history information 113f newly added in S260. When the process of S265 is completed, the process proceeds to S268.

  (S266) The payment agent means 111 accesses the bank system 104 and executes a transfer process for transferring the payment amount to the account of the non-member store in the name of the user. As the transfer account, for example, a debit account for debiting the card usage amount of a non-member store is used. When the transfer date is specified, the payment agent means 111 executes the transfer process so that the payment amount is transferred on the specified transfer date.

  However, when the non-member store has registered the transfer destination account for the payment proxy service in advance, the payment proxy means 111 executes the above-described transfer processing for the registered transfer destination account.

  (S267) The payment agent means 111 performs withdrawal completion registration (the “withdrawal” column is set to “completed”) for the record of the history information 113f newly added in S260. Moreover, the payment agent means 111 records the date and time when both the payment completion registration and the withdrawal completion registration are completed in the history information 113f as the remittance date and time.

  (S268) The payment agent means 111 issues a unique payment agent ID for specifying a procedure in which the processing for deposit and withdrawal as described above is completed. Moreover, the payment agent means 111 manages the payment agent ID in association with the payment destination information 113c and the billing destination information 113d.

  (S269) The payment agent means 111 transmits a completion notification including the payment agent ID to the user terminal 102 and the non-member store terminal 103. When the process of S269 is completed, the series of processes illustrated in FIGS. 21 and 22 ends.

  As described above, in the second embodiment, a hash value serving as a key is provided to the non-member store terminal 103 in response to a request from the non-member store, and the provided hash value and the hash value acquired from the user terminal 102 are Match is confirmed. The hash value is generated based on the payment ID issued for the payment generated by the sales contract / service provision contract 61. Therefore, the non-member store, the user, and the sales contract / service provision contract 61 are linked by the hash value.

  Further, since the non-member store is a card member, it is possible to use a card remittance mechanism in which remittance is made using a pre-payment amount managed in association with a credit card. In addition, since the information on the withdrawal account for debiting the card usage amount can be used, even when using the account transfer, it is possible to save time and trouble such as the user inputting information on the bank account.

  Further, as a modified example, a mechanism can be considered in which payment is substantially performed by subtracting the amount of payment from the withdrawal amount of a non-member store. As another modification, instead of executing an account transfer every time payment is made, a mechanism for accumulating the payment amount for a certain period and transferring the total amount on a predetermined date every month is conceivable. By applying such a mechanism, it is possible to reduce a fee for using the payment agent service.

[2-5. Modification of system configuration]
Until now, the description has been made on the assumption that the card payment system 101 includes the payment agent means 111 and the card payment means 112. However, the payment agent means 111 that mainly executes the processing for the payment agent service and the card payment means 112 that mainly executes the processing for the card payment may be separated.

  For example, an operation mode in which a credit card company operates a system corresponding to the card settlement means 112 and a service provider that provides a payment agent service operates a system corresponding to the payment agent means 111 may be considered.

  In the case of corresponding to the above-described operation mode, the card payment system 101 is divided into, for example, a card payment system 201 and a payment agent system 202 as shown in FIG. FIG. 23 is a block diagram illustrating an example of a card payment system and a payment agent system according to a modification of the second embodiment.

  As shown in FIG. 23, the card payment system 201 includes a storage unit 211, a card payment unit 212, and a card remittance unit 213. Here, the storage unit 211 stores member information 211a and stock information 211b.

  The card settlement unit 212 corresponds to the card settlement unit 112 described above. The card remittance means 213 corresponds to the card remittance means 114 described above. The member information 211a corresponds to the member information 113a described above. The stock information 211b corresponds to the stock information 113e described above.

  The payment agent system 202 includes a storage unit 221 and a payment agent unit 222. Here, the storage unit 221 stores payment destination information 221a, billing destination information 221b, and history information 221c.

  The payment agent means 222 corresponds to the payment agent means 111 described above. The payee information 221a corresponds to the payee information 113c described above. The billing destination information 221b corresponds to the billing destination information 113d described above. The history information 221c corresponds to the history information 113f described above.

  As described above, a function similar to that of the card payment system 101 described above can be realized by distributing functions to the card payment system 201 and the payment agent system 202 and operating both systems in cooperation. According to this modification, both systems can be operated by different operators or organizations. Such modifications also belong to the technical scope of the second embodiment.

  Heretofore, the second embodiment according to the present invention has been described.

<3. About combinations>
The mechanisms of the first and second embodiments described above can be combined. For example, a selection object for selecting which mechanism to use may be displayed on the portal screen of the application 121a so that a user or a non-member store can select. Further, the mechanism of the first embodiment in which the bill image issued by the non-member store is transmitted to the card payment system 101 and the confirmation check is performed by the card payment system 101 may be added to the mechanism of the second embodiment. . Such a combination contributes to suppression of unauthorized use, for example.

  In addition, as a countermeasure against unauthorized use, for example, a method of combining authentication technology called 3D secure can be applied. In addition, measures such as examination of card members when a service use contract is concluded can also contribute to suppression of unauthorized use. Further, by setting the payment limit by the payment agent service lower than the credit card usage limit, damage due to unauthorized use can be reduced. Thus, a new mechanism may be added to the techniques of the first and second embodiments described above. Such modifications also belong to the technical scope of the embodiment according to the present invention.

  The preferred embodiments of the present invention have been described above with reference to the accompanying drawings, but the present invention is not limited to the examples disclosed herein. It will be apparent to those skilled in the art that various changes and modifications can be made within the scope of the claims, and these are of course within the technical scope of the present invention. Is done.

101, 201 Card payment system 111, 222 Payment agent means 112, 212 Card payment means 113, 121, 131, 211, 221 Storage means 114, 213 Card remittance means 102 User terminal 122 Imaging means 123, 134 Control means 124 Display means 125, 132 Input means 103 Non-member store terminal 133 Output means 104 Bank system 202 Payment agency system

Claims (10)

A payment agent system that performs payment of a payment from a first card member to a non-card member store that is a second card member,
Card payment means for executing card payment as a payment system for card member stores;
In response to a request from the second terminal used by the second card member, identification information for identifying the payment is transmitted to the second terminal, and from the first terminal used by the first card member When a payment request including the identification information is received, the payment processing of the price to the second card member is executed, and the total amount of the price and a predetermined fee is calculated by the card settlement means by the first card. A payment agent system comprising: a payment agent means for card settlement with a member's card. A storage means for storing information on a bank account used by the second card member for debiting the card usage amount;
The payment agent means is:
The payment agent system according to claim 1, wherein when a bank transfer is selected as the payment method, a process for transferring the payment to the bank account is executed as the payment process. The payment agent means is:
The payment agent system according to claim 2, wherein a process for transferring the price in the name of the first card member is executed. In the storage means,
Stock information including pre-payment amount of the second card member managed in association with the card of the second card member is further stored.
The payment agent means is:
The payment agent system according to claim 2 or 3, wherein, when remittance is selected as the payment method, the advance deposit amount is increased by the amount of the price as the payment process. The payment agent means is:
Issuing a payment number for identifying the payment in response to a request from the second terminal, based on the card information of the second card member, the payment number, and the date and time when the payment number was issued The payment proxy system according to any one of claims 1 to 4, wherein a hash value is calculated and the hash value is transmitted to the second terminal as the identification information. A payment agent system that performs payment for the payment from the first card member to the non-card member store that is the second card member.
In response to a request from the second terminal used by the second card member, identification information for identifying the payment is transmitted to the second terminal, and from the first terminal used by the first card member When the payment request including the identification information is received, the payment processing of the price to the second card member is executed, and the payment is performed by the card payment means for executing the card payment as a payment system of the card member store. A payment agent method in which the total amount including the fee is paid by the card of the first card member. The first payment can be performed as a payment system of a card member store, and communicates with a payment agent system that performs payment of a payment from a first card member to a non-card member store that is a second card member. A terminal device used by a cardholder,
The input of identification information for identifying the payment transmitted from the payment agent system to the other terminal device in response to a request from another terminal device used by the second card member is received and received. Having a control means for generating a payment request including identification information;
In response to the payment request, the control means executes the payment process of the price for the second card member, and makes a card payment with the card of the first card member for the total amount of the price and a predetermined fee. A terminal device that requests the payment agent system to execute a settlement process for the purpose. The payment can be executed as a payment system of a card member store, and communicates with a payment agent system that performs payment of a payment from a first card member to a non-card member store that is a second card member. A terminal device used by a cardholder,
Requesting the payment agent system to transmit identification information for identifying the payment to the terminal device, and using the identification information received from the payment agent system by another terminal device used by the first card member Having a control means for outputting in an obtainable format;
The control means includes
The payment request including the identification information is received from the other terminal device, the payment processing of the price to the second card member, and the total amount of the price and a predetermined fee is the card of the first card member A terminal device that receives a notification of completion of the payment process and the procedure of the payment process from the payment agent system that has executed the payment process for making a card payment with the terminal device. The first payment can be performed as a payment system of a card member store, and communicates with a payment agent system that performs payment of a payment from a first card member to a non-card member store that is a second card member. The terminal device used by cardholders
The input of identification information for identifying the payment transmitted from the payment agent system to the other terminal device in response to a request from another terminal device used by the second card member is received and received. Generate a payment request that includes the identification information,
In response to the payment request, execution of payment processing of the price to the second card member, and payment processing for card payment of the total amount of the price and a predetermined fee with the card of the first card member A program for executing a process of requesting the payment agent system to execute. The payment can be executed as a payment system of a card member store, and communicates with a payment agent system that performs payment of a payment from a first card member to a non-card member store that is a second card member. The terminal device used by cardholders
Requesting the payment agent system to transmit identification information for identifying the payment to the terminal device, and using the identification information received from the payment agent system by another terminal device used by the first card member Output in an obtainable format,
The payment request including the identification information is received from the other terminal device, and the payment processing of the price for the second card member, and the total amount of the price and the predetermined fee are calculated by the first card member. A program for executing a process of receiving a notification of completion of the payment process and the procedure of the payment process from the payment agent system that has executed a payment process for making a card payment with a card.

Images