JP2020144793A - Information processing device, method and program - Google Patents

Abstract

To provide a technology for achieving use facilitation of a settlement system, reducing a burden of a commission of a store using the settlement system.SOLUTION: In an information processing device calculating a commission to be imposed on a shop with respect to a use of a settlement system pertaining to commercial transaction, the information processing device is configured to comprise: a rate information storage media that stores a preset different commission rate associating attribute information showing an attribute of the commercial transaction; a transaction data acquisition unit that acquires transaction data including attribute information showing an attribute of the commercial transaction for each commercial transaction, and amount information showing a transaction amount regarding the commercial transaction from a store terminal; a commission calculation unit that reads a corresponding commission from the rate information storage media in accordance with the attribute information included in the acquired transaction data, and calculates a commission to be imposed on the store on the basis of the commission rate and the amount information; and an output unit that outputs information showing a calculated commission.SELECTED DRAWING: Figure 3

Description

One aspect of the present invention relates to an information processing apparatus, method, and program used in an information processing system related to commercial transactions.

Non-cash payment methods such as credit cards and electronic money are widely used when paying for goods and services. Consumers who use non-cash payments have the advantages of not having to carry cash with them, making it easier to manage their spending, and receiving point returns according to the amount used. Also, for merchants that introduce non-cash payment methods, there is no need to prepare change, it is not necessary to store a large amount of cash, and cash register congestion is reduced, the burden on staff is reduced, and non-cash payment is used. There are merits such as the effect of attracting customers who want to.

Here, when using non-cash payment, the member store needs to pay the member store fee to the business operator that provides the payment system. Generally, for each settlement, the commission is calculated by multiplying the transaction price related to the settlement by a preset commission rate, and is charged to the member store. Businesses that provide non-cash payment systems use such merchant fees as one of their sources of income, and want to increase the number of stores that introduce their own non-cash payment methods.

However, the member store commission rate in Japan tends to be higher than in other countries, and in terms of costs, many stores are unable to introduce such a non-cash payment method.

On the other hand, in credit card transactions, there is known a technique for calculating a fee for each member according to the card usage status of the credit card member, instead of the fee rate set for each member store (see, for example, Patent Document 1). ..

JP-A-2002-197382

However, although the technology of Patent Document 1 has the effect that once the credit card payment method is introduced, the member stores strive to acquire high-quality customers in anticipation of a reduction in the commission rate, the introduction of a payment system is considered. At this stage, it is difficult to predict the effect of reducing the commission rate, and there is still the problem that it is difficult to start introducing it.

The present invention has been made by paying attention to the above circumstances, and an object of the present invention is to provide a technique for reducing the fee burden of a store using the payment system and promoting the use of the payment system. is there.

In order to solve the above problem, the first aspect of the present invention is an information processing device that calculates a fee to be charged to a store for using a payment system related to commercial transactions, and corresponds to attribute information representing the attributes of the above commercial transactions. A rate information storage medium that stores different fee rates set in advance, and transaction data for each of the above commercial transactions, including attribute information representing the attributes of the commercial transaction and price information representing the transaction price related to the commercial transaction. The transaction data acquisition unit acquired from the terminal of the store and the corresponding fee rate are read from the rate information storage medium according to the attribute information included in the acquired transaction data, and the fee rate and the acquired transaction data are read. It is provided with a fee calculation unit that calculates a fee to be charged to the store based on the above price information included in the above, and an output unit that outputs information representing the calculated fee.

In the second aspect of the present invention, the attribute information includes date and time information representing the date and time when the commercial transaction was performed, and the rate information storage medium sets a fee rate set to a different value according to the date and time information. I tried to remember it.

In a third aspect of the present invention, the rate information storage medium is reduced from a predetermined standard fee rate for commercial transactions related to a specific time zone, a specific day of the week, a specific day, a month, a year, or a specific period. It is designed to memorize the commission rate that was paid.

In the fourth aspect of the present invention, the attribute information includes position information representing the geographical location where the commercial transaction was conducted, store attribute information representing the attribute of the store where the commercial transaction was conducted, and a settlement method related to the commercial transaction. Identification Payment method Identification information, or specific transaction identification information indicating whether or not the above-mentioned commercial transaction includes a specific product or service, and the above-mentioned rate information storage medium is a commercial transaction related to a specific geographical location, a specific attribute. For at least one of the commercial transactions in the store and the commercial transactions including a specific payment method or a specific product or service, a fee rate lower than a predetermined standard fee rate is stored.

According to the first aspect of the present invention, in calculating the merchant fee, a preset fee rate is acquired based on the attribute information included in the transaction data so as to have a different value according to the attribute information. The commission is calculated based on the acquired commission rate and the price information contained in the transaction data. By setting the commission rate according to the attributes of commercial transactions at each store, it becomes possible to present more appropriate usage conditions for each store, and it is possible to encourage stores to introduce a payment system.

According to the second aspect of the present invention, the commission can be calculated by using the commission rate set according to the information on the date and time when the commercial transaction was performed as the attribute information. As a result, it is possible to encourage stores to introduce a payment system in which a more appropriate commission rate is set according to the business situation that changes depending on the date and time. Generally, the transaction data sent from the terminal of the store to the system provider includes the date and time information for each payment, so if the date and time information is used as the attribute information for setting the commission rate, the store It is possible to utilize the information contained in the previous transaction data without requiring new settings for each. Further, by variably setting the commission rate according to the date and time information, for example, it is possible to promote the sales efforts of the store in a specific time zone, and as a result, the system load can be time-distributed.

According to a third aspect of the present invention, a commission rate lower than a predetermined standard commission rate for commercial transactions in a specific time zone, a specific day of the week, a specific day, a month, or a year, or a specific period. Will be applied. As a result, it is possible to prompt the store to introduce the payment system by presenting the commission rate flexibly and precisely set according to the business form.

According to a fourth aspect of the present invention, in calculating a fee, a specific geographical location where a commercial transaction was made, a specific attribute of a store, a specific payment method, or a settlement in which a specific product or service is included in the commercial transaction. For, the commission rate lower than the predetermined standard commission rate will be applied. As a result, it is possible to prompt the store to introduce the payment system by presenting the commission rate set more appropriately according to the business form.

That is, according to each aspect of the present invention, it is possible to provide a technique for reducing the fee burden of a store using the payment system and promoting the use of the payment system.

FIG. 1 is a diagram showing an overall configuration of a system including an information processing device according to an embodiment of the present invention. FIG. 2 is a block diagram illustrating a hardware configuration of an information processing device according to an embodiment of the present invention. FIG. 3 is a block diagram illustrating a software configuration of an information processing device according to an embodiment of the present invention. FIG. 4 is a flowchart showing a processing procedure and processing contents by the information processing apparatus shown in FIG. FIG. 5A is a diagram showing a first example of a commission rate table for designating a commission rate according to attribute information. FIG. 5B is a diagram showing a second example of a commission rate table for designating a commission rate according to attribute information. FIG. 5C is a diagram showing a third example of a commission rate table for designating a commission rate according to attribute information. FIG. 5D is a diagram showing a fourth example of a commission rate table for designating a commission rate according to attribute information. FIG. 5E is a diagram showing an example of a table that associates each store with a regional division as attribute information.

Hereinafter, embodiments according to the present invention will be described with reference to the drawings.
[One Embodiment]
[Example 1]
(Constitution)
(1) System FIG. 1 is a diagram showing an example of an overall configuration of a system including an information processing device according to an embodiment of the present invention.

In this system, the store terminal STT of the member store ST that uses the payment system related to commercial transactions and the payment company server PASV of the payment system provider PA that provides the payment system are connected via the network NW. It is a thing.

The network NW is composed of, for example, a relay network and a plurality of access networks for accessing the relay network. As the relay network, for example, a public network or a closed network using the Internet protocol is used. As the access network, for example, a LAN (Local Area Network), a wireless LAN, a mobile phone network, a wired telephone network, an FTTH (Fiber To The Home), or a CATV (Cable Television) network are used.

The payment system provider PA includes any business that provides a payment system, such as a credit card company and an electronic money business. The payment system provider PA includes a payment company server PASV and a transaction database PAD.

The payment operator server PASV is composed of a server computer or a personal computer operated by the payment system provider PA. The payment operator server PASV receives the payment data transmitted from the store terminal STT and executes the settlement process between the store ST and the customer CS in order to realize the provision of the payment system. The payment operator server PASV can include the information processing device 1 according to the embodiment of the present invention. The information processing device 1 will be described in more detail later.

The transaction database PAD is a transaction database that links payment data transmitted from each store terminal STT to each store ST, a member store database that stores various information about each store ST, and an identification number of each member as a customer. , It has a member database that stores personal information, card numbers, payment usage details, payment records, etc.

The store terminal STT is a POS (Point of Sale) terminal installed in the store ST, a communication terminal that operates in cooperation with the POS terminal, or a mobile information terminal used in place of the POS terminal. The store terminal STT may be a device that manages a plurality of POS terminals in the store ST. Further, the store ST is not limited to the actual store, and may be a storeless form such as an online shop. When the store ST is an online shop, the store terminal STT can be implemented as a sales management application having the same function as the POS terminal.

In reality, a large number of terminals of a large number of member stores are connected to the payment company server PASV of the payment system provider PA, but in FIG. 1, for convenience, only one store terminal STT of one store ST is connected. Is shown. Similarly, although FIG. 1 shows only one customer CS for convenience, there may actually be many customer CSs. Further, in reality, the payment system provider PA often performs the settlement process through the payment agent without directly communicating with the member store ST, but here, for the sake of simplicity, an intermediate agent such as the payment agent Will be omitted for explanation. Hereinafter, in the first embodiment, the outline of processing will be described with the payment system provider PA of FIG. 1 as the credit card company PA.

In the system shown in FIG. 1, it is assumed that the customer CS selects credit card payment for payment of goods or services at the store ST. At this time, in the store terminal STT, the store clerk operates the code reader associated with the store terminal STT to read the barcode for product identification attached or printed on the product, or the store clerk reads the bar code for product identification, or the store clerk operates the store terminal STT. By inputting product information through an input device such as a keyboard associated with, the information related to the transaction is acquired. The product information includes the type, name, unit price, quantity, etc. of the product or service. Further, the store terminal STT acquires the information of the credit card used for payment by reading the IC chip or magnetic stripe of the credit card presented by the customer CS by the store clerk or the like with a card reader (arrow). S1).

The store terminal STT performs processing for sales management and inventory management based on the acquired product information and credit card information, and also serves as the payment company server PASV of the payment system provider PA for payment request. Generate payment data for transmission. For example, in the store terminal STT, for each payment (transaction), information that identifies the payment such as a serial number, the date and time when the payment was made, the transaction price, credit card information (card number, expiration date, security code, etc.), and Accumulate payment data including payment information such as payment methods (lump sum payment / installment payment / revolving payment), aggregate the accumulated payment data for a certain period or every fixed amount, and settle the payment business of the credit card company PA for settlement. Send to the person server PASV (arrow S2).

When the settlement operator server PASV receives the settlement data transmitted from the store terminal STT, it adds the identification information of the store ST and accumulates it in the transaction database PAD as transaction data, and links it to the credit card information as follows. Make a claim to the attached customer CS and prepare for payment to the store ST.

First, the settlement operator server PASV refers to the member database and makes a bill to the customer CS according to the contract contents and payment method of each customer CS (arrow S3). On the other hand, the customer CS pays the billed amount to the credit card company PA (payment company server PASV) by transfer or withdrawal from the bank account (arrow S4). The steps S3 and S4 shown by the dotted lines are not essential as the processing of the information processing device 1 for carrying out this embodiment.

On the other hand, for the store ST, the payment operator server PASV sends the payment data to the store ST based on the member store database in parallel with the steps of arrows S3 and S4 or at an appropriate timing after the completion thereof. (Arrow S5), the billing amount is paid based on. At this time, the amount obtained by subtracting the fee charged to the member store of the payment system from the above billing amount will be paid to the store ST.

In one embodiment, when calculating the merchant fee, the settlement operator server PASV calculates the corresponding fee rate from a preset fee rate table based on the information representing the attributes of the commercial transaction related to the settlement for each settlement. The commission is calculated by acquiring and multiplying the acquired commission rate by the transaction price. This process will also be described later. Here, the "commission rate" refers to a value applied when calculating a commission, and is represented by, for example, a percentage (%) with respect to the amount of money. When the payment system provider PA is an electronic money business (prepaid / postpaid) or debit card (immediate payment), the system is the same as that shown in FIG. It can be explained by the flow of.

Regarding the arrow S2, the store terminal STT may transmit the payment data to the payment operator server PASV in real time for each payment, or accumulates the payment data and periodically, for example, every week. Alternatively, the data may be collectively transmitted to the payment operator server PASV, such as every month. Similarly, with respect to the arrow S5, the payment operator server PASV may calculate a fee for each payment each time it receives payment data from the store terminal STT, and charge the store terminal STT a fee for each payment. For example, each time a week's worth of payment data is received from the terminal STT, the fee may be calculated for each week, or the payment data for one week's worth may be received and accumulated from the store terminal STT on a monthly basis. The fee may be calculated.

(2) Information Processing Device (2-1) Hardware Configuration FIG. 2 is a block diagram showing an example of the hardware configuration of the information processing device 1 according to the embodiment of the present invention. The information processing device 1 is used as a part of the payment operator server PASV. Alternatively, the information processing device 1 may be implemented as a separate device that functions in cooperation with the payment operator server PASV.

The information processing device 1 includes, for example, a hardware processor 20A such as a CPU (Central Processing Unit). Then, the program memory 20B, the data memory 30, the communication interface 11 and the input / output interface 12 are connected to the hardware processor 20A via the bus 50.

An input device 2 and a display device 3 attached to the information processing device 1 are connected to the input / output interface 12. The input / output interface 12 captures the operation data input by the operator through the input device 2 such as a keyboard, touch panel, and mouse, and outputs the display data to the display device 3 using a liquid crystal or organic EL (Electro Luminescence) for display. Perform the process of causing. As the input device 2 and the display device 3, the device built in the device 1 may be used, or the input device and the display device of another information terminal capable of communicating via the network NW may be used.

The communication interface 11 includes, for example, one or more wired or wireless communication interface units, which enables information to be transmitted and received to and from an external device. As the wired interface, for example, a wired LAN is used, and as the wireless interface, an interface adopting a low power wireless data communication standard such as a wireless LAN or Bluetooth (registered trademark) is used.

The communication interface 11 transmits data to and from the store terminal STT according to a communication protocol defined by the network NW. As the communication protocol, for example, TCP / IP (Transmission Control Protocol / Internet Protocol) is used, but the communication protocol is not limited to this.

The program memory 20B is used as a storage medium in combination with, for example, a non-volatile memory such as an HDD (Hard Disk Drive) or SSD (Solid State Drive) that can be written and read at any time, and a non-volatile memory such as a ROM. It stores programs necessary for executing various control processes according to the embodiment.

The data memory 30 is used as a storage medium by combining, for example, a non-volatile memory such as an HDD or SSD that can be written and read at any time and a volatile memory such as a RAM (Random Access Memory). It is used to store various data acquired and created in the process of performing various information processing including calculations.

(2-2) Software Configuration FIG. 3 is a block diagram showing a software configuration of the information processing apparatus 1 according to the embodiment of the present invention in association with the hardware configuration shown in FIG.
The storage area of the data memory 30 is provided with a transaction data storage unit 31, a rate information storage unit 32, and a fee storage unit 33.

The transaction data storage unit 31 is used to store the acquired transaction data (or settlement data).

The commission rate information storage unit 32 is used to store the commission rate information used for calculating the commission in the form of a commission rate table.

The fee storage unit 33 is used to store the calculated fee.

However, the storage units 31 to 33 are not indispensable configurations, and are provided in, for example, the above-mentioned transaction database PAD, an external storage medium such as a USB memory, or a storage device such as a database server arranged in the cloud. It may be a thing.

The control unit 20 is composed of the hardware processor 20A and the program memory 20B, and includes a transaction data acquisition unit 21, an attribute information extraction unit 22, a rate information acquisition unit 23, and a fee as processing function units by software. It includes a calculation unit 24 and an output control unit 25. All of these functional units are realized by causing the hardware processor 20A to execute a program stored in the program memory 20B. The control unit 20 may also be implemented in a variety of other forms, including integrated circuits such as ASICs (Application Specific Integrated Circuits) and FPGAs (field-programmable gate arrays).

The transaction data acquisition unit 21 accesses the transaction database PAD, acquires transaction data to be the target of the fee calculation process, and performs a process of storing the transaction data in the transaction data storage unit 31.

The attribute information extraction unit 22 extracts the attribute information necessary for acquiring the commission rate and the price information representing the transaction price from the transaction data stored in the transaction data storage unit 31 for each settlement (transaction), and the attribute information Performs a process of passing the rate information acquisition unit 23 and the price information to the fee calculation unit 24.

Based on the attribute information received from the attribute information extraction unit 22, the rate information acquisition unit 23 reads out the fee rate corresponding to the target settlement from the fee rate table stored in the rate information storage unit 32, and the fee calculation unit. The process of passing to 24 is performed.

The fee calculation unit 24 calculates a fee for each settlement based on the fee rate received from the rate information acquisition unit 23 and the price information received from the attribute information extraction unit 22, and the calculated fee is calculated by the fee storage unit 33. Performs the process of storing in.

The output control unit 25 reads the information stored in the fee storage unit 33, generates output data, and performs a process of outputting the data via the communication interface 11 or the input / output interface 12.

(motion)
Next, the information processing operation by the information processing device 1 configured as described above will be described. FIG. 4 is a flowchart showing the processing procedure and the processing content.

In one embodiment, the information processing apparatus 1 monitors the presence / absence of a trigger for starting the fee calculation process in step S101. In this state, for example, when the operator inputs a request instructing the calculation of the fee via the input device 2 and receives this request as a start trigger, the information processing device 1 executes the calculation process of the fee as follows. ..

First, in step S102, the information processing device 1 reads necessary transaction data from the transaction database PAD by the transaction data acquisition unit 21 under the control of the control unit 20, and stores it in the transaction data storage unit 31. The transaction data acquisition unit 21 accesses, for example, the transaction database PAD, and extracts the identification information of the store ST specified by the operator and the transaction data corresponding to the specified period. Each record included in the transaction data corresponds to the unit settlement related to the unit commercial transaction, and includes at least the date and time information and the transaction price information related to the commercial transaction. The transaction data acquisition unit 21 may acquire the settlement data from the store terminal STT via the network NW and use the settlement data as transaction data for calculating the fee. In this case, the transaction data acquisition unit 21 adds the store ST identification information to the acquired settlement data and stores it in the transaction data storage unit 31.

Next, in step S103, under the control of the control unit 20, the information processing device 1 reads the record stored in the transaction data storage unit 31 by the attribute information extraction unit 22, and identifies the information for identifying the settlement and the store ST. Along with the information, date and time information as attribute information and transaction price information are extracted.

In step S104, under the control of the control unit 20, the rate information acquisition unit 23 sends the information processing device 1 to the rate information storage unit 32 based on the date and time information as attribute information and the identification information of the store ST. Obtain rate information representing the corresponding fee rate from the stored fee rate table. The commission rate table may be a data table set for each store ST or a data table set for each store type. Alternatively, the rate information acquisition unit 23 may acquire rate information from another database managed by the credit card company PA. Alternatively, the rate information acquisition unit 23 may acquire rate information by accessing a database that stores a fee rate table shared among a plurality of credit card company PAs, which is collectively managed by another business operator (not shown). It may be.

The commission rate is set so as to have a different value for each attribute information. In one embodiment, the attribute information is date and time information, and commission rates set to different values are set according to various date and time information such as daytime and nighttime, weekdays and holidays, midnight time zone and specific day of the week. To. For example, in the restaurant business, in general, the unit price per customer is higher during the night time than during the daytime, and the ratio of credit card payments is higher during the night time. Therefore, as an example, a predetermined standard fee rate is set for the night time zone from 6:00 pm to 6:00 am, and a predetermined standard fee rate is set for the daytime time zone from 6:00 am to 6:00 pm. A commission rate lower than the standard commission rate can be set. As a result, it is expected that stores that have not introduced credit card payment because they feel burdened with the fees charged during the daytime when the average customer price is low will find the low fee rate attractive and consider introducing it. ..

FIG. 5A shows an example of a fee rate table stored in the rate information storage unit 32. In this commission rate table, date and time information is specified as attribute information, and different commission rates are set for the daytime time zone and the nighttime time zone. In FIG. 5A, the commission rate is set to 3.0% during the daytime hours from 6:00 am to 6:00 pm, and the commission rate is 5. during the nighttime hours from 6:00 pm to 6:00 am. It is set to 0%. Although one fee rate table is set for each member store ID, a common fee rate table may be set between the same industries.

FIG. 5B shows another example of the fee rate table stored in the rate information storage unit 32. In this commission rate table, date and time information is specified as attribute information as in FIG. 5A, and different commission rates are set depending on the day of the week. For example, there may be industries such as clothing wholesale and beauty, where sales tend to rise toward the weekend rather than Monday. For such industries, as shown in Figure 5B, it is preferable to set the same commission rate from Monday to Wednesday, slightly higher commission rate on Thursday and Friday, and even higher commission rate on Saturday and Sunday. there is a possibility.

FIG. 5C shows another example of the fee rate table stored in the rate information storage unit 32. In this commission rate table, as attribute information, a commission rate is set according to whether or not a specific product or service is included in a commercial transaction related to unit settlement. For example, products under campaign by a specific manufacturer, products of affiliated companies of credit card companies, products with environmental measures, products near the expiration date, services where part of the price is returned to the local government, etc. May want to promote the sale of a particular product or service at the request of a company or for the benefit of the public. In such a case, for payments that include such goods or services in a single commercial transaction, it is possible to support the introduction of credit card payments by store ST by setting to reduce the commission rate. .. For example, the store ST assigns a flag to the settlement data to indicate that the transaction is related to the target product, etc. (transaction including the product or service for which the commission rate is reduced), and the credit card company PA Can be sent to. The flag can be easily implemented by setting a predetermined value (Value) in the free area included in the settlement data. The information processing device 1 that has acquired the settlement data (or transaction data) determines the presence / absence of a flag (value) as attribute information, and refers to a fee rate table set in advance according to the presence / absence of the flag to determine the fee rate. It can be acquired and the fee can be calculated for each payment.

FIG. 5D shows another example of the fee rate table stored in the rate information storage unit 32. In this example, the commission rate table is shared among a plurality of store STs, and the commission rates are set according to the area divisions A to D of the store STs as attribute information. For example, the area classified as "A" has the highest commission rate, and the area classified as "D" has the lowest commission rate. For example, "A" is divided into areas with the best location conditions, such as large cities and station squares with a large number of users, and areas with lower population densities in the order of "B", "C", and "D". It is classified.

FIG. 5E shows yet another example of a table that associates the regional divisions shown in FIG. 5D with each store. The table of FIG. 5E is set for a single business operator who manages a plurality of stores. A store ID is assigned to each store, and a regional division is assigned according to the location. The area division may be arbitrarily set by the administrator of the information processing device 1 or the like, or may be automatically assigned from the location. For example, according to FIG. 5E, the area classification “A” is assigned to the “XYZ drugstore △△ station square store” of the store ID “DG6001”, and based on this area classification “A”, FIG. 5D shows. With reference to the commission rate table, a commission rate of "4.0%" is set. Therefore, the commission rate information acquisition unit 23 acquires the "commission rate 4.0%" according to the area classification "A" extracted based on the store ID "DG6001".

In this way, it is possible to have different commission rates depending on the geolocation of the transaction. By presenting different commission rates for stores in densely populated areas and stores in less populated areas to businesses such as drug stores and supermarkets that have a large number of stores nationwide, the businesses or each It is conceivable to give stores an incentive to introduce a payment system. Specifically, a high commission rate can be set for stores in densely populated areas, and a low commission rate can be set for stores in areas with low population density.

Next, in step S105, under the control of the control unit 20, the fee calculation unit 24 joins each settlement based on the price information extracted in step S103 and the rate information acquired in step S104. Calculate the store fee.

In one example, the fee calculation unit 24 calculates the member store fee by multiplying the transaction price obtained from the price information by the fee rate for each settlement. For example, if the transaction price is 10,000 yen and the acquired commission rate is 3.0%, it is calculated as 10,000 yen x 0.03 = 300 yen. The fee calculation unit 24 associates the calculated fee with the transaction data and stores it in the fee storage unit 33. The calculated fee may be stored in association with each record of transaction data (that is, for each settlement), or may be stored as a data table separate from the transaction data for each store ST.

In step S106, under the control of the control unit 20, the information processing device 1 creates output data based on the information read from the fee storage unit 33 by the output control unit 25, and creates the output data, and the communication interface 11 or the input / output interface. It can be output via 12. In one example, the output control unit 25 reads out the transaction data for each store ST including the calculated fee information at regular intervals, and subtracts the total fee from the total amount billed from the store ST for the store ST. Generate output data to be presented as payment amount. Then, this output data can be transmitted to the store ST via the network NW, output to the display device 3, and presented to the operator. The operator who receives the presentation can execute arbitrary processing such as performing payment processing for the store ST or collating with the remittance details.

The processes of steps S101 to S106 may be performed on any data unit at any timing. For example, the start of the fee calculation process described in step S101 does not have to be in response to an instruction from the operator, and the internal timer of the information processing device 1 generates a trigger at regular intervals, and the trigger is used. The process may be started periodically accordingly, or may be performed every time data is received from the store terminal STT. Alternatively, the settlement operator server PASV monitors the data accumulated in the transaction database PAD, and starts the fee calculation process for the information processing device 1 every time a certain amount of data for which the fee has not been calculated is accumulated. You may instruct.

[Example 2]
The information processing device 1 according to the embodiment can be applied to any information processing system or payment system in which a usage fee is charged to a member store.
In the second embodiment, as another example of such a payment system, an information processing device 1 used in a system that provides a point service (point program) for giving points as a privilege to a customer who uses a store will be described. To do.

Similar to credit card payment, when using the point service, the member store must pay the member store fee to the provider of the point service. Generally, the commission is calculated by multiplying the transaction price for each settlement or the number of points granted by a preset commission rate, and is charged to the member store. Similar to the first embodiment, the commission rate used for calculating this commission can be set to be different in advance in association with the attribute information representing the attribute of the commercial transaction. The "commission rate" according to the second embodiment is represented by, for example, a percentage (%) with respect to the amount of money or a converted amount (yen / point) with respect to points.

More specifically, when the information processing device 1 according to the second embodiment calculates the fee charged to the store for the use of the point service as the payment system related to the commercial transaction, the system shown in FIG. 1 performs the following processing. Is done.

When the customer CS indicates the intention to use the point service at the time of purchasing the product and presents the point card, the store terminal STT, for example, the store clerk operates the card reader or scanner attached to the store terminal STT. The point card information is acquired by reading the IC chip, magnetic stripe, QR code (registered trademark), etc. of the point card (arrow S1).

The store terminal STT generates point processing data including point processing information in which the acquired point card information is associated with the acquired product information as in the first embodiment, and is a payment system provider that is a point operator. It is transmitted to the PA settlement company server PASV (arrow S2). The point processing data includes points such as information that identifies the payment such as a serial number, information that identifies the target customer (member ID, point card number, etc.), and the type of points for each payment. Includes processing information and product information such as the name and type of the product related to the transaction and the transaction price.

When the settlement operator server PASV receives the point processing data transmitted from the store terminal STT, it adds the identification information of the store ST and accumulates it as transaction data in the transaction database PAD, and as a point member as follows. Processes the customer CS and the store ST as a member store.

The settlement operator server PASV first calculates the number of points to be given to the customer CS based on predetermined conditions based on the point processing data. Next, the settlement operator server PASV reads the point balance of the customer CS from the member database, generates point grant data including the calculated number of points granted, the point type, and the point balance after addition, and the store terminal STT. (Arrow S5). The store terminal STT that has received the point grant data generates output data based on the received point grant data, prints it on a receipt to be passed to the customer CS, outputs it, or displays it on the display and presents it to the customer CS. To do. The settlement operator server PASV also stores the calculated number of points granted and the point balance after addition in the transaction database PAD in association with the member database or transaction data.

The settlement operator server PASV also reads the point processing data accumulated in the transaction database PAD at regular intervals or fixed quantities, and calculates the point fee to be charged to the store ST according to the transaction price or the number of points granted. The calculated point fee is charged to the store ST together with, for example, a fixed monthly usage fee (arrow S5).

As described with reference to the first embodiment, regarding the arrow S2, the store terminal STT may transmit the point processing data to the payment operator server PASV in real time for each payment, or the point processing data may be transmitted. It may be accumulated and periodically, for example, once a week or once a month, and collectively transmitted to the settlement operator server PASV. Similarly, with respect to the arrow S5, the settlement operator server PASV may calculate a fee for each payment each time it receives point processing data from the store terminal STT, and charge the store terminal STT a fee for each payment. For example, each time a week's worth of point processing data is received from the store terminal STT, the fee may be calculated for each week, or the point processing data for one week may be received and accumulated from the store terminal STT. The fee may be calculated on a monthly basis.

The operation of the information processing device 1 according to the second embodiment will be further described. The information processing device 1 according to the second embodiment can have the same hardware configuration and software configuration as shown in FIGS. 2 and 3. Then, when the information processing apparatus 1 receives the trigger for starting the fee calculation process in step S101 shown in FIG. 4, the information processing device 1 executes the fee calculation process as follows.

First, in step S102, the information processing device 1 reads necessary transaction data from the transaction database PAD by the transaction data acquisition unit 21 under the control of the control unit 20, and stores it in the transaction data storage unit 31. The transaction data acquisition unit 21 accesses, for example, the transaction database PAD, and extracts the identification information of the store ST specified by the operator and the transaction data corresponding to the specified period. Each record included in the transaction data corresponds to the unit settlement related to the unit commercial transaction, and includes the date and time information related to the commercial transaction, the transaction price information, the information for identifying the point member, the number of points granted, and the like. The transaction data acquisition unit 21 may acquire the settlement data from the store terminal STT via the network NW and use the settlement data as transaction data for calculating the fee. In this case, the transaction data acquisition unit 21 adds the store ST identification information to the acquired settlement data and stores it in the transaction data storage unit 31.

Next, in step S103, under the control of the control unit 20, the information processing device 1 reads the record stored in the transaction data storage unit 31 by the attribute information extraction unit 22, and identifies the payment identification information and the store ST. Along with the information, date and time information as attribute information and transaction price information or the number of points granted are extracted.

In step S104, under the control of the control unit 20, the rate information acquisition unit 23 sends the information processing device 1 to the rate information storage unit 32 based on the date and time information as attribute information and the identification information of the store ST. Obtain rate information representing the corresponding fee rate from the stored fee rate table. Similar to the first embodiment, the commission rate table may be a data table set for each store ST or a data table set for each store type. Alternatively, the rate information acquisition unit 23 may acquire rate information from another database managed by the payment system provider PA as a point service provider. Alternatively, the rate information acquisition unit 23 acquires rate information by accessing a database that stores a fee rate table shared among a plurality of payment system provider PAs, which is collectively managed by another company (not shown). You may try to do it.

The commission rate is set so as to have a different value for each attribute information. Similar to the first embodiment, the attribute information includes date and time information indicating the date and time when the commercial transaction was conducted, location information indicating the geographical location where the commercial transaction was conducted, store attribute information indicating the attributes of the store where the commercial transaction was conducted, Arbitrary attribute information such as payment method identification information for identifying a payment method related to a commercial transaction, or specific transaction identification information indicating whether or not a specific product or service is included in the above commercial transaction is included. Similar to the first embodiment, the store terminal STT easily adds the attribute information to the transaction data by adding a flag (value) indicating the attribute information to the point processing data transmitted from the store terminal STT to the settlement operator server PASV. Can be included.

Next, in step S105, under the control of the control unit 20, the fee calculation unit 24 joins the information processing device 1 based on the price information or the number of points granted in step S103 and the rate information acquired in step S104. Calculate the store fee.

In one example, the fee calculation unit 24 calculates the member store fee by multiplying the transaction price obtained from the price information by the fee rate for each settlement. For example, if the transaction price is 10,000 yen and the acquired commission rate is 3.0%, it is calculated as 10,000 yen x 0.03 = 300 yen. Alternatively, the fee calculation unit 24 can calculate the member store fee by multiplying the number of points awarded by the fee rate for each settlement. For example, if the number of points awarded is 10 points and the acquired commission rate is 1.5 yen / PT, it is calculated as 10 PT x 1.5 yen / PT = 15 yen.

The fee calculation unit 24 associates the calculated fee with the transaction data and stores it in the fee storage unit 33. The calculated fee may be stored in association with each record of transaction data (that is, for each settlement), or may be stored as a data table separate from the transaction data for each store ST.

In step S106, under the control of the control unit 20, the information processing device 1 creates output data based on the information read from the fee storage unit 33 by the output control unit 25, and creates the output data, and the communication interface 11 or the input / output interface. It can be output via 12. In one example, the output control unit 25 reads out the transaction data for each store ST including the calculated fee information at regular intervals, and generates the output data to be presented as the billing amount for the store ST together with the fixed usage fee for the store ST. To do. Then, this output data can be transmitted to the store ST via the network NW, output to the display device 3, and presented to the operator.

As described in the first embodiment, the processes of steps S101 to S106 may be performed on any data unit at any timing. For example, the start of the fee calculation process described in step S101 does not have to be in response to an instruction from the operator, and the internal timer of the information processing device 1 generates a trigger at regular intervals, and the trigger is used. The process may be started periodically accordingly, or may be performed every time data is received from the store terminal STT. Alternatively, the settlement operator server PASV monitors the data accumulated in the transaction database PAD, and starts the fee calculation process for the information processing device 1 every time a certain amount of data for which the fee has not been calculated is accumulated. You may instruct.

(effect)
As described in detail above, in one embodiment of the present invention, when the information processing device 1 calculates the fee charged to the store ST for the use of the payment system, for each payment, the attribute of the commercial transaction related to the payment is made. The information is acquired and the commission is calculated based on the commission rate table set in advance so that the value will be different according to the attribute information.

As a result, date and time information (time zone and day, specific day, month, year, specific period, etc.) indicating the date and time when the commercial transaction was conducted, location information indicating the geographical location where the commercial transaction was conducted, and commercial transaction are performed. Depending on the attribute information such as store attribute information indicating the attributes of the store, payment method identification information for identifying the payment method related to the commercial transaction, or specific transaction identification information indicating whether or not the above commercial transaction includes a specific product or service. Therefore, the fee rate can be flexibly set for each store ST, and the store ST can be encouraged to introduce a payment system.

For example, a store that has not introduced credit card payment due to its high commission rate may decide to introduce it in consideration of setting a commission rate that matches its business form and transaction status. Or, even for stores that hesitated to use credit card payment during the daytime due to the low unit price per customer, we set a lower commission rate during the daytime than during the nighttime. By doing so, it is possible to promote the introduction of credit card payment. Alternatively, it is conceivable to contribute to society by reducing the commission rate for transactions that contribute to the public interest, and to improve the image of the store ST and the business operator PA.

Similarly, even for stores that have not introduced the point service due to the high commission rate, attributes such as setting a lower commission rate than at night for points given during the daytime when the customer unit price is low, etc. By presenting a commission rate that fluctuates according to information, it is possible to encourage the introduction of point services.

In the above embodiment, the fee rate table setting is changed without changing the complicated system setting, or a simple operation such as adding a flag to the payment data transmitted from the terminal STT of each store is performed. It is possible to easily optimize according to changes in the transaction status of member stores.

[Other Embodiments]
The present invention is not limited to the above embodiment.
For example, each of the processes described with respect to FIGS. 1 to 4 is sequentially processed (continuous processing or real-time processing) each time new data is acquired in each of the store terminal STT, the payment operator server PASV, or the information processing device 1. Alternatively, the acquired data may be accumulated and batch-processed in a fixed amount or at regular intervals.

Further, the information processing apparatus 1 has been described as reading the fee rate table from the rate information storage unit 32 of the data memory 30, but the fee rate table is stored in an arbitrary storage medium including an external database. There may be.

A wider variety of information can be considered as attribute information. For example, the commission rate may be different depending on the attributes of each store ST. As in the case of the area division described above with respect to FIGS. 5D and 5E, it can be easily applied by associating an attribute with the store ID included in the settlement data. Like convenience stores and drug stores, whether they handle fresh food, whether they handle medicines, whether they are open 24 hours a day, whether they have an unmanned cash register, etc. Even if there are, they may have various store attributes. By presenting various commission rates according to such store attributes, it is possible to promote the introduction of a payment system.

Alternatively, the commission rate may be different depending on the payment method for each payment data. For example, the fee rate may be set differently depending on whether it is a lump sum payment or a revolving payment, or the fee may be set according to various payment methods such as the combined use of a cash voucher and a credit card and the presence or absence of other membership cards. By varying the rate, a commission rate suitable for the business form of each store may be set. Similarly, the commission rate may be different depending on the type of points. For example, points given according to the transaction price, points given regardless of the transaction price (store visit points, rainy day points, birth month points, etc.), or campaign points (limited period of use) Different commission rates may be set according to points (points, store-limited points where the stores used are restricted). Alternatively, a different amount threshold may be set for each store, and if the transaction price for each settlement is less than the threshold, the commission rate may be reduced.

Further, the store-specific flag may be set by arbitrarily setting the value of the free area included in the payment data as the attribute information. For example, in the case of settlement of transactions including environmentally friendly products and services as described above, or when a customer presents another membership card, the transaction data can be flagged at the store. May be good. On the contrary, it may be possible to add a flag according to the fact that a specific service is not included, such as non-use of plastic shopping bags or omission of paper receipts due to electronic computerization. For flagged transaction data, the commission rate can be set to be low or high.

The attribute information described above can be adopted in any combination. For example, it is possible to set a commission rate table that combines date and time information, geolocation information, and amount threshold value for each store. As an example, for convenience stores located in quiet residential areas, the commission rate during the daytime is 3.1% for payments of less than 1,000 yen and payments of 1,000 yen or more. Settlement is 3.3%, and the commission rate during the night hours may be set to 3.5%, and for convenience stores located in downtown areas, 21:00 to 3:00. The commission rate may be set in several stages according to the amount threshold value only in the midnight time zone of, and may be set uniformly in other time zones.

Generally, the payment data sent from the store ST to the credit card company PA for billing does not include detailed product information. However, the commission rate may be reduced for payments related to payment data including detailed product information. As a result, the credit card company PA can additionally obtain so-called POS data and can utilize it for marketing. In addition, if transaction data including detailed product information is provided, it will be possible to set a more flexible commission rate according to the product information.

Further, the information processing apparatus 1 has been described as acquiring a commission rate for each unit settlement and calculating a commission, but the present invention is not limited to this. For example, it is possible to group a plurality of payments having the same attribute information together, obtain a commission rate for each group, and calculate the commission.

The information processing system or payment system in which the information processing device 1 is used is not limited to the above-mentioned systems such as credit card, electronic money, and point service. The above embodiment can be applied to all systems in which usage fees are incurred for member stores, such as debit cards, QR code (registered trademark) payments, house electronic money, and other information processing systems related to commercial transactions.

The functional units 21 to 25 included in the information processing device 1 may be distributed and arranged on a cloud server, an edge server, or the like, and the devices may cooperate with each other to perform processing. Further, the commission rate table may be arbitrarily set in consultation with the credit card company PA and the store ST, or a program for analyzing payment data to find the optimum solution may be utilized.

In addition, the structure of the commission rate table can be modified in various ways without departing from the gist of the present invention.

In short, the present invention is not limited to the above-described embodiment as it is, and at the implementation stage, the components can be modified and embodied within a range that does not deviate from the gist thereof. In addition, various inventions can be formed by an appropriate combination of a plurality of components disclosed in the above-described embodiment. For example, some components may be removed from all the components shown in the embodiments. In addition, components from different embodiments may be combined as appropriate.

1 ... Information processing device, 2 ... Input device, 3 ... Display device, 11 ... Communication interface, 12 ... Input / output interface, 20 ... Control unit, 20A ... Hardware processor, 20B ... Program memory, 21 ... Transaction data acquisition unit, 22 ... Attribute information extraction unit, 23 ... Rate information acquisition unit, 24 ... Fee calculation unit, 25 ... Output control unit, 30 ... Data memory, 31 ... Transaction data storage unit, 32 ... Rate information storage unit, 33 ... Fee storage unit , 50 ... Bus, CS ... Customer, ST ... Store, STT ... Store terminal, NW ... Network, PA ... Payment system provider, PASV ... Payment operator server, PAD ... Transaction database.

Claims (6)

An information processing device that calculates fees charged to stores for the use of payment systems related to commercial transactions.
A rate information storage medium that stores different fee rates preset in association with attribute information representing the attributes of the commercial transaction, and a rate information storage medium.
A transaction data acquisition unit that acquires transaction data including attribute information representing the attributes of the commercial transaction and price information representing the transaction price related to the commercial transaction from the terminal of the store for each commercial transaction.
The corresponding fee rate is read from the rate information storage medium according to the attribute information included in the acquired transaction data, and the store is contacted based on the fee rate and the price information included in the acquired transaction data. The fee calculation department that calculates the fee to be charged and
An information processing device including an output unit that outputs information representing the calculated fee. The attribute information includes date and time information representing the date and time when the commercial transaction was performed.
The rate information storage medium stores fee rates set to different values according to the date and time information.
The information processing device according to claim 1. The rate information storage medium stores a fee rate lower than a predetermined standard fee rate for commercial transactions related to a specific time zone, a specific day of the week, a specific day, a month, a year, or a specific period.
The information processing device according to claim 2. The attribute information includes location information representing the geographical location where the commercial transaction was conducted, store attribute information representing the attributes of the store where the commercial transaction was conducted, payment method identification information for identifying the payment method related to the commercial transaction, or the above-mentioned. Includes specific transaction identification information that indicates whether a business transaction includes a specific product or service.
The rate information storage medium is predetermined for at least one of a commercial transaction relating to a specific geographical location, a commercial transaction in a store having a specific attribute, and a commercial transaction including a specific payment method or a specific product or service. Memorize the fee rate lower than the standard fee rate,
The information processing device according to claim 1. An information processing device including a rate information storage medium that calculates a fee to be charged to a store for using a payment system related to a commercial transaction and stores a different fee rate set in advance in association with the attribute information representing the attribute of the commercial transaction. It is an information processing method to be executed
The process of acquiring transaction data including attribute information representing the attributes of the commercial transaction and price information representing the transaction price related to the commercial transaction for each commercial transaction from the terminal of the store.
The corresponding fee rate is read from the rate information storage medium according to the attribute information included in the acquired transaction data, and the store is contacted based on the fee rate and the price information included in the acquired transaction data. The process of calculating the fees to be charged and
An information processing method including a process of outputting information representing the calculated fee. A program that causes a computer to execute processing by each part of the apparatus according to any one of claims 1 to 4.