JP2020140409A - Payment system and payment method for charge at facility - Google Patents

Abstract

To provide a charge payment system and a payment method in which a facility does not use credit card information.SOLUTION: The payment system using a credit card for charges at a facility, includes a facility server 2 of the facility, a payment company server 3 of a charge settlement company, a card payment processing server 4 for processing the charges by the credit card, and a customer terminal 5 used by a customer. Credit card information is transmitted from the customer terminal 5 only to the card payment processing server 4 and the payment company server 3, and the payment by the credit card is executed among the payment company server 3, the card payment processing server 4 and the customer terminal 5.SELECTED DRAWING: Figure 1

Description

The present invention relates to a payment system and payment method for charges at a facility, and particularly to a payment system and payment method for charges at a facility where the accommodation facility does not use credit card information.

In accommodation facilities such as hotels, guests purchase food and drinks and goods in the accommodation facilities during their stay, so various measures have been taken to make payment of fees simple and safe.
For example, in the invention of Patent Document 1, the guest's smartphone application is connected to the credit card payment system. However, the guest's personal information and credit card information are sent to the accommodation's centralized reservation system. For this, the property must manage credit card information.

At the accommodation facility, payments for accommodation, food and drink, purchase, etc. are totaled and paid by credit card or cash at the front desk at check-out, but since payment by credit card is convenient, payment by credit card is possible. It is common.
Then, when paying with a credit card, the credit card information is input to the server that makes the payment for the accommodation facility. However, now that information processing technology has advanced, credit card information may be leaked from the accommodation facility's server to hackers, so the accommodation facility must take measures against it. If credit card information is leaked to a hacker, the guest may suffer great damage and the accommodation may be required to compensate for the damage. Furthermore, the leakage of credit card information may reduce the evaluation of the accommodation facility.
In this way, at the present time when information processing technology is advancing day by day, it is necessary to take measures including attacks from overseas hackers, but it is very difficult to prevent the leakage of credit card information, and it is the original accommodation facility. I can't concentrate on my work.

As in the invention in Patent Document 1 described above, it is conceivable to perform card payment using a terminal such as a smartphone owned by the customer. If the customer makes a card payment using a smartphone or the like, the customer can make the payment in the room without going to the front desk at checkout, so the customer does not have to go to the crowded front desk and can easily leave the accommodation facility. .. In addition, if the customer has a smartphone, he / she will be less reluctant to enter credit information.
However, if a customer wants to make a card payment with a terminal such as a smartphone, he / she has to download an application for making the card payment, which is troublesome and puts a burden on the terminal.

JP-A-2017-139033

The following two issues can be mentioned as problems for solving the above-mentioned problems.
1. 1. The server that manages personal information such as the name and address of facility users such as guests and facility usage data such as accommodation charges and the server that manages credit card information are separated.
2. 2. Do not leave credit card information in accommodation facilities and other facilities.
In order to solve the above problems, the present invention provides a payment system and a payment method for charges at a facility without using credit card information.

The invention according to claim 1 is a credit card payment system for charges at a facility, which includes a facility server of the facility, a payment agent server of a charge settlement company, and a card payment processing server that processes charges by credit card. , The customer terminal used by the customer, the credit card information is transmitted from the customer terminal only to the card payment processing server and the payment company server, and the payment by the credit card of the charge is made by the payment company server and the card payment. The present invention relates to a fee payment system characterized in that it is performed between a processing server and the customer terminal.

The invention according to claim 2 relates to the fee settlement system according to claim 1, wherein the facility is any of an accommodation facility, a restaurant, and a retail store.

The invention according to claim 3 relates to the fee settlement system according to claim 2, wherein the facility is an accommodation facility, and the fee includes an accommodation fee, a food and drink fee, and a purchase fee at the accommodation facility. ..

The invention according to claim 4 is the settlement of charges according to claim 3, wherein the facility server is a hotel server and manages customer's personal data, customer's room number, and charge data. Regarding the system.

The invention according to claim 5 is that at the time of check-out of the accommodation facility, the customer inquires about the charges from the customer terminal of the customer via a card payment processing server that processes the charges by credit card. It is performed to the server, the hotel server transmits the charge to the customer terminal via the card payment processing server, and the guest inputs the credit card information to the customer terminal and transmits the charge to the card payment processing server. However, the card payment processing server relates to a payment method for accommodation charges, which is characterized in that payment is made by a credit card for accommodation charges with a payment company server of a charge settlement company.

The invention according to claim 6 is described in claim 1, wherein when the facility is either a restaurant or a retail store, the charge includes food and drink charges and purchase charges of customers of the restaurant or retail store. Regarding the payment system for the charges.

According to the payment system of the invention according to claim 1, since the credit card information is transmitted from the customer terminal only to the card payment processing server and the payment company server, the facility does not need to manage the credit card information.

According to the payment system of the invention according to claim 2, when the facility is an accommodation facility, a restaurant, or a retail store, the facility does not need to manage the credit card information.

According to the payment system of the invention according to claim 3, when the facility is an accommodation facility, the accommodation facility does not need to manage the credit card information.

According to the payment system of the invention according to claim 4, the hotel server only needs to manage the customer's personal data, the customer's room number, and the charge data, so that the management becomes easy.

According to the payment method of the invention according to claim 5, the credit card information is transmitted from the customer terminal only to the card payment processing server and the payment company server, and not to the hotel server. Accommodations do not need to manage credit card information.

According to the payment system of the invention according to claim 6, when the facility is either a restaurant or a retail store, the facility does not need to manage the credit card information.

It is a block diagram of the payment system which concerns on 1st Embodiment of this invention. It is a flow chart of the settlement method which concerns on 1st Embodiment of this invention. It is the same flow chart. It is the same flow chart. It is a figure which shows the flow of data in the settlement method which concerns on 1st Embodiment of this invention. It is a figure which shows the flow of the same data. This is an example of screen display of a customer terminal in the payment method according to the first embodiment of the present invention. This is an example of the screen display of the customer terminal. This is an example of the screen display of the customer terminal. This is an example of the screen display of the customer terminal. It is a flow chart of the settlement method which concerns on 2nd Embodiment of this invention. It is the same flow chart. It is the same flow chart.

<First Embodiment>
An example in which the payment system according to the present invention is an accommodation facility will be described.
Hereinafter, the accommodation fee payment system according to the first embodiment of the present invention will be described with reference to the drawings. FIG. 1 shows a configuration diagram of a payment system according to the first embodiment.
This payment system 1 makes payments by credit card for the charges at the accommodation facility of the customer who stayed. The price includes accommodation fee, food and drink fee, purchase fee, etc. at the accommodation facility. The payment system 1 includes a hotel server 2 of an accommodation facility, a payment company server 3 of a charge settlement company, a card payment processing server 4 for processing charges by a credit card, and a customer terminal 5 used by a customer.
The hotel server 2 manages personal information such as the customer's name, accommodation information such as the accommodation date and room number, and accommodation charges such as accommodation expenses and food and drink expenses.
The settlement company server 3 performs payment by a credit card for the charges at the accommodation facility with the credit card company, and manages the customer's credit information.
The card payment processing server 4 processes data such as charges and card information between the hotel server 2, the payment agent server 3, and the customer terminal 5, and settles the charges.
The customer terminal 5 is a communication device such as a mobile phone, a smartphone, or a personal computer, and may be owned by the customer or owned by the accommodation facility. The customer inputs the card information of the credit card into the customer terminal 5, and setstles the accommodation fee on the customer terminal 5.

<At check-in>
At check-in, the customer receives a card with the user identification number along with the room key and so on.

<At check-out>
At checkout, the customer performs the following steps S1 to S20.
Figure 2-4 shows the flow of the payment method according to this embodiment. In addition, FIGS. 5 and 6 show the flow of data between the hotel server 2, the payment provider server 3, the card payment processing server 4, and the customer terminal 5 in the same payment method, and describe related steps.
S1: The customer reads the QR code (registered trademark) provided in the room with a customer terminal 5 such as a mobile phone or a smartphone, and uses the Internet as an application of the card payment processing server 4 for payment of charges by credit card. Operate through and make a payment. The QR code also includes room number data. Since the application of the card payment processing server 4 is operated via the Internet without downloading the application for payment by credit card to the customer terminal 5, it does not take time to download and the customer terminal 5 is burdened. There is an advantage that it does not cost.
S2: The start screen of the payment application is displayed on the customer terminal 5.
S3: The customer inputs a user identification number (access key for checkout). The room number and the user identification number are transmitted from the customer terminal 5 to the hotel server 2 via the card payment processing server 4. FIG. 7A shows a screen example of the customer terminal 5 when the user identification number is input.
S4: The card payment processing server 4 issues a transaction number to the payment company server 3. The transaction number is a unit of system processing in the payment system of the present invention. It is attached to each payment of charges and can be distinguished from other payments by the transaction number. Uniquely attached to each date and accommodation.
S5: The hotel server 2 transmits the billing information of the accommodation fee to the card payment processing server 4.
S6: When an error occurs, the card payment processing server 4 displays an error screen (FIG. 7B) indicating that the room number or user identification number is incorrect, and displays the start screen of the payment application. Return to the display, and in the case of other errors, display an error screen (not shown) indicating that fact.
S7: If there is no mistake in the room number, the user identification number, or the like, the card payment processing server 4 displays the payment amount confirmation screen on the customer terminal 5 and asks the customer to confirm it. FIG. 8 shows an example of the payment amount confirmation screen.
S8: When the customer confirms, the card payment processing server 4 displays the card information input screen on the customer terminal 5.
S9: The customer inputs the card information. FIG. 9 shows a screen example of the customer terminal 5 when inputting card information.
S10: The card payment processing server 4 displays the input content confirmation screen on the customer terminal 5, and the customer confirms the input content.
S11: When the customer confirms, the card payment processing server 4 registers the current transaction (payment) in the payment company server 3. The settlement company server 3 assigns a transaction number to each transaction, and transmits the transaction number to the card settlement processing server 4. This transaction number is used by the settlement company server 3 for processing in the settlement company server 3, and a number that is easy for the settlement company to use is used. For example, the settlement company server 3 processes payments for a plurality of accommodation facilities, and the serial number of the matter processed by the settlement company server 3 may be used as the transaction number.
S12: The room number and the user identification number are transmitted from the card payment processing server 4 to the hotel server 2, and the billing information of the charges is transmitted from the hotel server 2 to the card payment processing server 4 again.
S13: If the billing information of the charge is different from the previous time, the card payment processing server 4 performs error processing.
In this way, the billing information of the charges is sent from the hotel server 2 twice in S5 and S12, and it is checked whether there is a difference in the billing information of the two times, for the following reasons.
For example, if two customers are staying together, one of them confirms the payment amount in S7, and the other one uses the phone in the room while entering the card information in S9. Since the telephone charge is incurred, the charge increases and is different from the billing information obtained in S5, so even if the card payment is made with the billing information obtained in S5, the balance remains. In addition, while one person is inputting the card information in S9, the other person may purchase the goods at the shop in the accommodation facility. In this way, by checking the billing information of the charge, it is possible to cope with the increase of the billing information while the customer is inputting the card information.
In addition, by checking in this way, it is possible to prevent settlement with incorrect billing information due to communication troubles or the like.
S14: When the billing information of the accommodation fee is the same as the previous time, the card payment processing server 4 instructs the settlement company server 3 to register the amount of the billing information in the settlement record as temporary sales.
S15: Temporary sales are registered on the settlement company server 3.
The settlement company server 3 requests the card company to process the payment. The card company checks if there is a problem with the credit of the card.
S16: The provisional sales are transmitted from the card payment processing server 4 to the hotel server 2, and the provisional sales are registered in the billing information on the hotel server 2 (recording of provisional sales).
The registration result is returned from the hotel server 2 to the card payment processing server 4.
S17: If it is found that the card is not trusted or an error occurs in communication in S14 to S16, the card payment processing server 4 deletes the temporary sales of the payment company server 3 and pays the customer at the front desk. Instruct the customer terminal 5 to receive the error.
S18: When S14 to S16 are completed normally, the card payment processing server 4 instructs to change the provisional sales of the payment company server 3 to the actual sales.
S19: When a communication error or the like occurs in S18, the card payment processing server 4 instructs the customer terminal 5 to pay the customer at the front desk.
S20: When S18 ends normally, the provisional sales are updated to the actual sales in the settlement record of the settlement company server 3. The card payment processing server 4 displays the payment statement on the customer terminal 5. FIG. 10 shows an example of a payment statement.
S21: A receipt issuance button is displayed on the payment statement, and when the customer presses the receipt issuance button, an image of the receipt is sent to the customer terminal 5. The customer can print the image of the receipt. After the customer receives the receipt at the front desk of the accommodation facility, the receipt issuance button is not displayed. Since the customer can obtain the receipt with the customer terminal 5, the trouble of issuing the receipt at the front desk can be saved.

According to the payment system of the present invention, the card information is only transmitted between the payment company server 3, the card payment processing server 4, and the customer terminal 5, but not to the hotel server 2. Therefore, at the hotel, the card No need to manage information. As a result, the management cost can be reduced, and there is no risk that the card information will be leaked and the credit will be lost.
If the credit information is input to the smartphone owned by the customer as in the present invention, it seems that there is less resistance to inputting the credit information.

Further, since the application of the card payment processing server 4 is operated via the Internet without downloading the application for payment by credit card to the customer terminal 5, it does not take time to download and the customer terminal 5 There is an advantage that it does not put a burden on. It should be noted that an application for making a payment by credit card may be downloaded from a QR code or the like.

In addition, when card payments are made at accommodation facilities, many customers spend time making card payments at check-out in the morning, and the front desk is crowded. However, in the payment system of the present embodiment, since the customer pays the accommodation fee with the customer terminal 5, the customer only returns the room key to the front desk at the time of check-out, and the front desk is not crowded and promptly. You can leave. If you lock the room by entering your PIN instead of the key, you can leave the room more quickly without having to stop at the front desk.

It is also possible to settle the accommodation fee by using a personal computer in the room, a mobile phone or a smartphone lent from the accommodation facility, or the like, without using the customer terminal such as a mobile phone or a smartphone owned by the customer.

<Second Embodiment>
In the payment system according to the present invention, an example in which the facility is a restaurant or a retail store will be described.
Hereinafter, the facility usage fee payment system according to the second embodiment of the present invention will be described with reference to the drawings. The configuration diagram of the payment system according to this embodiment is the same as that of the first embodiment.
In this embodiment, a customer who uses a restaurant or a shop as a facility is targeted, and the fee is a food and drink fee or a purchase fee at the facility.

<At the time of payment>
At the time of settlement of the charge, the customer performs the following steps S101 to S121.
FIG. 11-13 shows the flow of the payment method according to the present embodiment.
S101: The customer reads the QR code provided in the store with a customer terminal 5 such as a mobile phone or a smartphone, and operates an application of the card payment processing server 4 for payment of charges by credit card via the Internet. And make a payment. Since the application of the card payment processing server 4 is operated via the Internet without downloading the application for payment by credit card to the customer terminal 5, it does not take time to download and the customer terminal 5 is burdened. There is an advantage that it does not cost.
S102: The start screen of the payment application is displayed on the customer terminal 5.
S103: The customer inputs the slip number. The slip number is transmitted from the customer terminal 5 to the facility server 2 via the card payment processing server 4.
S104: The card payment processing server 4 issues a transaction number to the payment company server 3. The transaction number is a unit of system processing in the payment system of the present invention. It is attached to each payment of charges and can be distinguished from other payments by the transaction number. Uniquely attached to each date and facility.
S105: The facility server 2 transmits the billing information of the charge to the card payment processing server 4.
S106: When an error occurs, the card payment processing server 4 returns the customer terminal 5 to the display of the start screen of the payment application when the slip number is incorrect, and displays the error screen in the case of other errors. To do.
S107: If there is no mistake in the slip number, the card payment processing server 4 displays the payment amount confirmation screen on the customer terminal 5 and asks the customer to confirm it.
S108: When the customer confirms, the card payment processing server 4 displays the card information input screen on the customer terminal 5.
S109: The customer inputs the card information.
S110: The card payment processing server 4 displays the input content confirmation screen on the customer terminal 5, and the customer confirms the input content.
S111: When the customer confirms, the card payment processing server 4 registers the current transaction (payment) in the payment company server 3. The settlement company server 3 assigns a transaction number to each transaction, and transmits the transaction number to the card settlement processing server 4. This transaction number is used by the settlement company server 3 for processing in the settlement company server 3, and a number that is easy for the settlement company to use is used. For example, the settlement company server 3 processes payments for a plurality of facilities, and the transaction number is a serial number of the cases processed by the settlement company server 3.
S112: The slip number is transmitted from the card payment processing server 4 to the facility server 2, and the billing information of the charge is transmitted from the facility server 2 to the card payment processing server 4 again.
S113: If the billing information of the charge is different from the previous time, the card payment processing server 4 performs error processing.
In this way, the billing information of the charge is sent from the facility server 2 twice in S105 and S112, and it is checked whether there is a difference in the billing information of the two times. It is possible to prevent the settlement with incorrect billing information due to the above.
S114: When the billing information of the charge is the same as the previous time, the card payment processing server 4 instructs the settlement company server 3 to register the amount of the billing information in the settlement record as temporary sales.
S115: Temporary sales are registered on the settlement company server 3.
The settlement company server 3 requests the card company to process the payment. The card company checks if there is a problem with the credit of the card.
S116: The provisional sales are transmitted from the card payment processing server 4 to the hotel server 2, and the provisional sales are registered in the billing information on the hotel server 2 (recording of provisional sales).
The registration result is returned from the hotel server 2 to the card payment processing server 4.
S117: If it is found that the card is not trusted or an error occurs in communication in S114 to S116, the card payment processing server 4 deletes the provisional sales of the payment company server 3 and gives the customer cash or the like. Instruct the customer terminal 5 to pay.
S118: When S114 to S116 are normally completed, the card payment processing server 4 changes the provisional sales of the payment company server 3 to actual sales.
S119: When an error occurs in S118, the card payment processing server 4 instructs the customer terminal 5 to pay the customer in cash or the like.
S120: When S118 ends normally, the provisional sales are updated to the actual sales in the settlement record of the settlement company server 3. The card payment processing server 4 displays the payment statement on the customer terminal 5.
S121: A receipt issuance button is displayed on the payment statement, and when the customer presses the receipt issuance button, an image of the receipt is sent to the customer terminal 5. The customer can print the image of the receipt.

According to the payment system of the present embodiment, even in the case of a customer who uses a restaurant or a shop as a facility, the card information is only transmitted between the payment company server 3, the card payment processing server 4, and the customer terminal 5. Since the information is not transmitted to the facility server 2, the facility does not need to manage the card information. As a result, the management cost can be reduced, and there is no risk that the card information will be leaked and the credit will be lost.

In addition, if card payment is performed using a card reader or the like of a facility, a clerk or the like has to deal with each case, which is troublesome. However, if the payment system of the present embodiment is used, the customer can make a payment with the customer terminal 5 if only the slip number is known, so that the clerk or the like does not have to deal with it, which saves time and effort.

The fee payment system and payment method according to the present invention are not limited to the above-described embodiments.
For example, the payment company server and the card payment processing server may be set as the same server and installed in the payment company.
Further, the present invention can be applied not only to payments by credit card as described above, but also to other electronic payments such as debit cards and postpay.

The present invention is used for a payment system that can settle the charges of a guest at a facility, for example, an accommodation facility, or a customer who uses a restaurant or the like without staying, without the facility server managing the credit card information. Since the card information is only transmitted between the payment provider server, the card payment processing server, and the customer terminal, and is not transmitted to the facility server such as the hotel server, the hotel does not need to manage the card information. As a result, the management cost can be reduced, and there is no risk that the card information will be leaked and the credit will be lost.

1 Payment system 2 Hotel server (facility server)
3 Payment company server 4 Card payment processing server 5 Customer terminal

Claims (6)

It is a payment system using a credit card for the charges at the facility.
The facility server of the facility and
The payment agent server of the charge settlement company and
A card payment processing server that processes charges by credit card,
Equipped with a customer terminal used by the customer
Credit card information is transmitted from the customer terminal only to the card payment processing server and the payment company server, and payment by the credit card of the charge is performed between the payment company server, the card payment processing server, and the customer terminal. A fee payment system characterized by doing. The fee payment system according to claim 1, wherein the facility is an accommodation facility, a restaurant, or a retail store. The fee settlement system according to claim 2, wherein the facility is an accommodation facility, and the fee includes an accommodation fee, a food and drink fee, and a purchase fee at the accommodation facility. The fee payment system according to claim 3, wherein the facility server is a hotel server, and manages customer personal data, customer room number, and fee data. At the time of check-out of the accommodation facility, the customer inquires about the charges from the customer's customer terminal to the hotel server of the accommodation facility via the card payment processing server that processes the charges by credit card.
The hotel server transmits the charge to the customer terminal via the card payment processing server.
The guest inputs the credit card information into the customer terminal and transmits it to the card payment processing server.
The card payment processing server is a payment method for accommodation charges, characterized in that payment is made by a credit card for accommodation charges with a payment company server of a charge settlement company. The fee settlement system according to claim 1, wherein the fee when the facility is either a restaurant or a retail store includes food and drink charges and purchase charges of customers of the restaurant or retail store.

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