JP2020144794A - Information processing device, terminal device, information processing method and program - Google Patents

Abstract

To achieve facilitation of using cashless settlement processing or point processing, reducing a burden of a commission of a store using both cashless settlement processing and point processing.SOLUTION: An information processing device, which calculates a commission to be imposed on a store capable of using both cashless settlement processing pertaining to commercial transaction and point processing, is configured to comprise: a rate information storage media that stores a preset different commission rate associating presence or absence of both usage; a transaction data acquisition unit that acquires transaction data including settlement information on settlement for each commercial transaction and addition information showing the presence or absence of both usage from a terminal of the store; a commission rate calculation unit that reads a corresponding commission rate from the rate information storage media in accordance with the presence or absence of both usage shown by the addition information, and calculates a commission to be imposed on the store on the basis of the commission rate and the settlement information; and an output unit that outputs information showing a calculated fee.SELECTED DRAWING: Figure 5

Description

One aspect of the present invention relates to an information processing device, a terminal device, an information processing method, and a 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. In addition, a point service that gives points as a privilege to customers who use stores is also widespread.

Non-cash payments have the advantages of not having to carry cash with them, making it easier to manage spending, and receiving returns according to the amount used. The point service also has advantages for consumers, such as being able to use the accumulated points as part of the price and receiving gifts and services according to the number of accumulated points.

For stores, the use of non-cash payments or point services has many features such as differentiation from other stores, the effect of attracting customers who want to use non-cash payments or point services, and prevention of customer churn by returning to excellent customers. There are merits.

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.

Similarly, when using the point service, the member store needs to pay the member store fee to the business operator that provides 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.

Businesses that provide non-cash payment systems, or businesses that provide point-giving systems for point services, use such merchant fees as one of their sources of income, and stores that introduce their own systems I want an increase.

However, the commission rate of merchants in Japan for the use of non-cash payment systems tends to be higher than in other countries, and many stores are unable to introduce such non-cash payment methods in terms of costs. Is.

Under such circumstances, if a store that has already introduced the non-cash payment method introduces a point service for the purpose of attracting customers, a further fee burden will be incurred.

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. In addition, the problem that the burden of fees increases due to the combined use of point services has not been solved.

The present invention has been made by paying attention to the above circumstances, and an object thereof is to reduce the fee burden on the store side by using both non-cash settlement processing and point processing in commercial transactions, and to reduce non-cash settlement processing or points. The purpose is to provide technology for promoting the use of processing.

In order to solve the above problem, the first aspect of the present invention is an information processing device for calculating a fee to be charged to a store that can use both non-cash settlement processing and point processing related to commercial transactions. A rate information storage medium that stores different fee rates preset according to the presence or absence of the combined use of the point processing, settlement information related to the settlement of the commercial transaction for each commercial transaction, and the non-cash settlement processing and the non-cash settlement processing for the commercial transaction. Depending on the transaction data acquisition unit that acquires transaction data including additional information indicating whether or not the point processing is used together from the terminal of the store, and the presence or absence of the combined use represented by the additional information included in the acquired transaction data. The fee calculation unit that reads the corresponding fee rate from the rate information storage medium and calculates the fee to be charged to the store based on the fee rate and the payment information included in the acquired transaction data, and the above calculation It is provided with an output unit that outputs information representing the fee.

A second aspect of the present invention is an information processing device that calculates a fee related to the credit settlement processing, which is imposed on a store that can use both the credit settlement processing and the point processing related to commercial transactions, and the credit settlement processing and the points. A rate information storage medium that stores different fee rates set in advance in association with the presence or absence of combined processing, price information representing the transaction price of each of the above commercial transactions, which is the target of credit settlement processing related to the commercial transaction, and the relevant Table of commercial transactions by the transaction data acquisition unit that acquires transaction data including the additional information indicating whether or not the credit settlement processing and the point processing are used together from the terminal of the store, and the additional information included in the acquired transaction data. The corresponding fee rate is read from the rate information storage medium according to the presence or absence of the combined use, and the fee related to the credit settlement processing is calculated based on the fee rate and the price information included in the acquired transaction data. It is provided with a fee calculation unit for calculating and an output unit for outputting information representing the calculated fee.

A third aspect of the present invention includes a first commission rate set corresponding to the case where the rate information storage medium does not use the credit settlement process and the point process together, and the credit settlement process and the point process. Is stored in combination with the second commission rate set to a value lower than the first commission rate, and the commission calculation unit reads the commission from the commission information storage medium. By multiplying the rate by the transaction price represented by the above price information, the fee charged to the above store is calculated.

A fourth aspect of the present invention is an information processing device that calculates a fee related to the point processing, which is imposed on a store that can use the credit settlement processing and the point processing related to commercial transactions together, and the credit settlement processing and the point processing are described. Regarding rate information storage medium that stores different fee rates set in advance according to the presence or absence of combined use, price information representing the transaction price related to the commercial transaction for each of the above commercial transactions, and granting of points related to the commercial transaction. A transaction data acquisition unit that acquires transaction data including point processing information including information and additional information indicating whether or not the credit settlement processing and the point processing are used in combination for the commercial transaction, and the acquired transaction data acquisition unit. The corresponding fee rate is read from the rate information storage medium according to the presence or absence of combined use represented by the additional information included in the transaction data, and the fee rate and the above price information and the above point processing included in the acquired transaction data are processed. It is provided with a fee calculation unit that calculates a fee related to the point processing based on at least one of the information, and an output unit that outputs information representing the calculated fee.

A fifth aspect of the present invention includes a first commission rate set corresponding to the case where the rate information storage medium does not use the credit settlement process and the point process together, and the credit settlement process and the point process. Is stored in combination with the second commission rate set to a value lower than the first commission rate, and the commission calculation unit reads the commission from the commission information storage medium. The commission for the point processing is calculated by multiplying the rate by the transaction price represented by the price information or the number of points granted based on the point processing information.

In the sixth aspect of the present invention, a fee charged to a store capable of combining non-cash settlement processing and point processing related to commercial transactions is set in advance in association with the presence or absence of the combination of the non-cash settlement processing and the point processing. In the terminal device installed in the store, which is used together with the information processing device that calculates using different fee rates, the settlement information acquisition unit that acquires the settlement information related to the settlement of the commercial transaction for each commercial transaction, and the commercial transaction. For each of the commercial transactions, the combination determination unit that determines whether or not the non-cash settlement processing and the above point processing are used together, and for each of the above commercial transactions, the presence or absence of the above settlement information and the above non-cash settlement processing and the above point processing. It is provided with a payment data generation unit that generates payment data including additional information representing the above, and an output unit that outputs the generated payment data.

According to the first aspect of the present invention, in an information processing device that calculates a fee to be charged to a store that can use both non-cash settlement processing and point processing related to a commercial transaction, the settlement information related to the settlement of the commercial transaction for each commercial transaction and Transaction data including additional information indicating whether or not non-cash settlement processing and point processing are used together is acquired from the store terminal, and the payment information included in the transaction data is associated with whether or not non-cash settlement processing and point processing are used together. The above fee is calculated based on the preset fee rate. In this way, by setting different commission rates according to the additional information indicating whether or not the non-cash settlement processing and the point processing are used together, the store fee due to the combined use of the non-cash settlement processing and the point processing The burden can be reduced appropriately and easily, and the use of non-cash settlement processing and point processing can be promoted.

According to the second aspect of the present invention, in the information processing apparatus for calculating the fee related to the credit settlement processing, the information representing the transaction price subject to the credit settlement processing related to the commercial transaction for each commercial transaction and the credit for the commercial transaction. Transaction data including additional information indicating whether or not payment processing and point processing are used together is acquired from the store terminal, and the information indicating the transaction price included in the transaction data is associated with whether or not credit card payment processing and point processing are used together. The fee for the credit card settlement process is calculated based on the preset fee rate. In this way, as the commission rate for calculating the commission related to the credit settlement processing, different commission rates are set according to the additional information indicating whether or not the credit settlement processing and the point processing are used together. By using both cash settlement processing and point processing together, it is possible to appropriately and easily reduce the fee burden of the store, and it is possible to promote the use of non-cash settlement processing and point processing.

According to the third aspect of the present invention, in calculating the fee for the credit settlement processing imposed on the store, the commercial transaction in which the credit settlement processing and the point processing are used together is the business transaction in which the credit settlement processing and the point processing are not used together. A second fee rate set to a value lower than the first fee rate set in the above is applied. The commission is calculated by multiplying the transaction price by this commission rate. Therefore, it is possible to reduce the burden of fees that are duplicated on the store when the point processing is used together with the credit settlement processing. In addition, since the commission is calculated by multiplying the transaction price by the commission rate, it is easy to understand the effect of reducing the commission by reducing the commission rate, and it is possible to encourage stores to use credit settlement processing and point processing. Become.

According to the fourth aspect of the present invention, in the information processing apparatus for calculating the fee related to point processing, the price information representing the transaction price related to the commercial transaction, the point processing information related to the granting of points, and the commercial transaction for each commercial transaction. Transaction data including additional information indicating whether or not credit settlement processing and point processing are used together is acquired from the store terminal, and at least one of the price information and point processing information is used together with credit settlement processing and point processing. The fee for point processing is calculated based on the fee rate set in advance in association with. In this way, as the commission rate for calculating the commission related to point processing, different commission rates are set according to the additional information indicating whether or not the credit settlement processing and the point processing are used together, so that non-cash By using both the settlement process and the point process, the fee burden of the store can be appropriately and easily reduced, and the use of the non-cash settlement process and the point process can be promoted.

According to the fifth aspect of the present invention, in calculating the fee for the point processing imposed on the store, the commercial transaction in which the credit settlement processing and the point processing are used together is the business transaction in which the credit settlement processing and the point processing are not used together. A second commission rate set to a value lower than the set first commission rate is applied. The commission is calculated by multiplying this commission rate by the transaction price or the number of points awarded. Therefore, it is possible to reduce the burden of fees that are duplicated on the store when the point processing is used together with the credit settlement processing. In addition, since the commission is calculated by multiplying the transaction price or the number of points granted by the commission rate, it is easy to understand the effect of reducing the commission by reducing the commission rate, and encourages stores to use credit settlement processing and point processing. Will be possible.

According to the sixth aspect of the present invention, the fee charged to the store where the non-cash settlement processing and the point processing related to the commercial transaction can be used together is calculated by using different fee rates set in advance according to the presence or absence of the combination. In the terminal device installed in the store, which is used together with the information processing device, the settlement information related to the settlement is acquired for each of the above commercial transactions, the presence or absence of the non-cash settlement processing and the point processing is determined, and the addition indicating the presence or absence of the combination is indicated. Payment data including information and payment information is generated and output. As a result, the fee calculation process in the information processing device can be performed using the payment data output from the terminal device installed in the store with a relatively simple configuration without requiring complicated setting changes.

That is, according to each aspect of the present invention, it is possible to provide a technique capable of reducing the fee burden on the store side by using both non-cash settlement processing and point processing in commercial transactions.

FIG. 1 is a diagram showing an overall configuration of a system including a terminal device and an information processing device according to an embodiment of the present invention. FIG. 2 is a block diagram illustrating a hardware configuration of a terminal device according to an embodiment of the present invention. FIG. 3 is a block diagram illustrating a software configuration of a terminal device according to an embodiment of the present invention. FIG. 4 is a block diagram illustrating a hardware configuration of an information processing device according to an embodiment of the present invention. FIG. 5 is a block diagram illustrating a software configuration of an information processing device according to an embodiment of the present invention. FIG. 6 is a flowchart showing a processing procedure and processing contents by the terminal device shown in FIG. FIG. 7 is a flowchart showing a processing procedure and processing contents by the information processing apparatus shown in FIG. FIG. 8A is a diagram showing a first example of a commission rate table for designating a commission rate according to additional information. FIG. 8B is a diagram showing a second example of a commission rate table for designating a commission rate according to additional information. FIG. 8C is a diagram showing a third example of a commission rate table for designating a commission rate according to additional information.

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

This system includes a store terminal STT of a member store ST that uses a non-cash payment system and a point granting system related to commercial transactions, a payment provider server PASV of a payment system provider PA that provides a non-cash payment system, and point granting. The point server SPSV of the point operator SP that provides the system is connected via the network NW.

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.

Payment system provider PA includes all businesses that provide non-cash payment systems, such as credit card companies and electronic money businesses. 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 non-cash payment system. The settlement operator server PASV according to the first embodiment 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 point operator SP provides a point service (point awarding system) that issues points unique to each store or common to multiple stores and gives them to customers according to the use of the store, such as visiting a store or paying a price. It is a business operator that operates it. The point operator SP includes a point server SPSV and a point database SPD.

The point server SPSV is composed of a server computer or a personal computer operated by the point operator SP. The point server SPSV receives the point processing data transmitted from the store terminal STT and executes the point settlement processing between the store ST and the customer CS in order to realize the provision of the point granting system.

The point database SPD is a transaction database that links the point processing data transmitted from each store terminal STT to each store ST, a member store database that stores various information about each store ST, and each point member as a customer. It has a member database that stores identification numbers, personal information, point history information, and so on.

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 can include a terminal device 100 according to an embodiment of the present invention. The terminal device 100 will be described in more detail later.

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.

A large number of terminals of a large number of member stores are actually connected to the payment company server PASV of the payment system provider PA and the point server SPSV of the point company SP, respectively. Only one store terminal STT of one store ST 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, 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. In the store terminal STT, for example, the store clerk operates the code reader attached to the store terminal STT to read the barcode for product identification attached to the product, or the clerk uses the keyboard attached to the store terminal STT. Information related to the transaction is acquired by inputting information such as products via. The product information includes the type, name, unit price, quantity, etc. of the product or service. Further, the store terminal STT acquires information on the credit card used for payment by, for example, reading the IC chip or magnetic stripe of the credit card presented by the customer CS by the store clerk 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 transmits the data to the payment operator server PASV of the credit card company PA for settlement. Generate payment data. For example, for each payment (transaction), the store terminal STT includes 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 Generates and accumulates payment data including payment information such as payment methods (lump-sum payment / installment payment / revolving payment), aggregates the accumulated payment data at regular intervals or fixed amounts, and credit card companies for settlement. It is transmitted to the PA payment operator server PASV (arrow S2).

When the payment operator server PASV receives the payment data transmitted from the store terminal STT, it attaches 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. Prepare for billing to the attached customer CS and payment to the store ST as a member store.

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 by transfer or withdrawal from the bank account (arrow S4). The steps S3 and S4 shown by the dotted lines are not essential for the processing of the information processing apparatus 1 according to 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 to be charged to the member store of the non-cash payment system from the above billing amount will be paid to the store ST.

Similarly, in the system shown in FIG. 1, it is assumed that the customer CS further indicates the intention to use the point service and presents the point card at the time of purchasing the above product. The store terminal STT is a point card, for example, when a store clerk operates a card reader or scanner attached to the store terminal STT to read the IC chip, magnetic stripe, QR code (registered trademark), etc. of the point card. Acquire information (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 product information acquired above, and transmits the point processing data to the point server SPSV of the point operator SP (arrow S6). 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 point server SPSV receives the point processing data transmitted from the store terminal STT, it adds the identification information of the store ST and accumulates it in the point database SPD as transaction data, while the customer CS as a point member as shown below. And process for store ST as a member store.

First, the point server SPSV calculates the number of points to be given to the customer CS based on predetermined conditions based on the point processing data. Next, the point server SPSV 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 transmits the point grant data to the store terminal STT. (Arrow S7). 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 point server SPSV also stores the calculated number of points granted and the point balance after addition in the point database SPD in association with the member database or transaction data.

The point server SPSV also reads the point processing data accumulated in the point database SPD at regular intervals or at regular intervals, 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.

In one embodiment, when non-cash payment and point service are used together in a single commercial transaction (settlement), the payment data transmitted from the store terminal STT to the payment operator server PASV for payment Additional information is added. The payment operator server PASV that receives the payment data determines the presence or absence of the above additional information for each payment when calculating the member store fee, and calculates the fee by applying different fee rates depending on the presence or absence of the additional information. To do. Here, the "commission rate" refers to a value applied when calculating a commission, and is represented by, for example, a percentage (%) of the amount or a conversion amount (yen / point) of points.

Even if the payment system provider PA is an electronic money business (prepaid / postpaid) or debit card (immediate payment), the outline of the processing is shown in Fig. 1. It can be explained by the same flow as the above.

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.

Similarly, with respect to the arrow S6, the store terminal STT may transmit the point processing data to the point operator server SPSV in real time for each payment, or accumulate the point processing data and periodically, for example, The data may be collectively transmitted to the point operator server SPSV, such as every week or every month. Similarly, with respect to the arrow S7, the point operator server SPSV 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.

Further, the arrows S2 and S6 may be executed at different timings or at the same time. Similarly, the arrows S5 and S7 may be executed at different timings or at the same time.

(1-1-2) Terminal Device (i) Hardware Configuration FIG. 2 is a block diagram showing an example of the hardware configuration of the terminal device 100 according to the embodiment of the present invention. The terminal device 100 is used as a part of the store terminal STT installed in each store ST. The terminal device 100 may be implemented as a separate device that functions in cooperation with the store terminal STT.

The terminal device 100 includes, for example, a hardware processor 120A such as a CPU (Central Processing Unit). Then, the program memory 120B, the data memory 130, the communication interface 111, and the input / output interface 112 are connected to the hardware processor 120A via the bus 150.

An input device 102 and a display device 103 attached to the terminal device 100 are connected to the input / output interface 112. The input / output interface 12 captures operation data input by the operator through an input device 102 such as a keyboard, touch panel, or mouse, and displays the display data generated by the terminal device 100 using a liquid crystal display, an organic EL (Electro Luminescence), or the like. The process of outputting to 103 and displaying it is performed. The input device 102 can also include a card reader, a code reader, a scanner, and the like connected to the store terminal STT. The input device 102 and the display device 103 may use the devices built in the terminal device 100, or may use the input devices and display devices of other information terminals capable of communicating via the network NW.

The communication interface 111 includes, for example, one or more wired or wireless communication interfaces, and enables information to be transmitted / received to / 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 111 transmits data between the payment operator server PASV and the point server SPSV according to the 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 120B 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 130 uses, 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) as a storage medium, and charges a fee. It is used to store various data acquired and created in the process of performing various information processing including calculations.

(Ii) Software Configuration FIG. 3 is a block diagram showing a software configuration of the terminal device 100 according to the embodiment of the present invention in association with the hardware configuration shown in FIG.

A payment information storage unit 131 is provided in the storage area of the data memory 130.

The payment information storage unit 131 is used to store the acquired payment information. However, the payment information storage unit 131 is not an indispensable configuration, and may be provided in, for example, an external storage medium such as a USB memory or a storage device such as a database server arranged in the cloud.

The control unit 120 is composed of the hardware processor 120A and the program memory 120B, and includes a payment information acquisition unit 121, a payment data generation unit 122, a combination determination unit 123, and output control as processing function units by software. It is provided with a unit 124. All of these functional units are realized by causing the hardware processor 120A to execute a program stored in the program memory 120B. The control unit 120 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 payment information acquisition unit 121 setstles the payment date and time, transaction price, credit card information, payment method, etc. for each transaction from the store terminal STT or through a code reader or barcode scanner as an input device 102. Acquires the payment information related to the above and stores it in the payment information storage unit 131.

The payment data generation unit 122 reads the payment information stored in the payment information storage unit 131 and performs a process of generating payment data to be transmitted to the business server PASV of the credit card company PA for payment.

The combination determination unit 123 determines whether or not the credit card and the point service have been used together for each transaction, and adds additional information based on the determination result to the payment data generated by the payment data generation unit 122. Performs processing to be passed to the output control unit 124.

The output control unit 124 generates output data based on the received settlement data, and performs a process of outputting the output data via the communication interface 111 or the input / output interface 112.

(1-1-3) Information Processing Device (i) Hardware Configuration FIG. 4 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 has, for example, a hardware processor 20A such as a CPU. 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 operation data input by the operator through an input device 2 such as a keyboard, touch panel, and mouse, and outputs display data generated by the information processing device 1 to a display device 3 using a liquid crystal display, an organic EL, or the like. And display it. 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 interfaces, and enables information to be transmitted / received to / from an external device. As the wired interface, for example, a wired LAN is used, and as the wireless interface, for example, an interface adopting a low power wireless data communication standard such as a wireless LAN or Bluetooth 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 or the like is used, but the communication protocol is not limited to this.

The program memory 20B uses, for example, a non-volatile memory such as an HDD or SSD that can be written and read at any time and a non-volatile memory such as a ROM as a storage medium, and various controls according to one embodiment. Contains the program required to execute the process.

The data memory 30 uses, 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 as a storage medium, and includes various calculations including a fee. It is used to store various data acquired and created in the process of processing information.

(Ii) Software Configuration FIG. 5 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 additional 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 and FPGAs.

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

The additional information extraction unit 22 extracts value information representing the transaction price for each settlement (transaction) from the transaction data stored in the transaction data storage unit 31, and determines whether or not there is additional information associated with the value information. I do. The additional information extraction unit 22 also performs a process of extracting the additional information when the additional information exists, and passing information indicating that fact to the rate information acquisition unit 23 when the additional information does not exist. The additional information extraction unit 22 also performs a process of passing the extracted price information to the fee calculation unit 24.

The rate information acquisition unit 23 reads the corresponding fee rate from the fee rate table stored in the rate information storage unit 32 based on the information received from the additional information extraction unit 22, and performs a process of passing it to the fee calculation unit 24. ..

The fee calculation unit 24 calculates a fee based on the fee rate received from the rate information acquisition unit 23 and the price information received from the additional information extraction unit 22, and stores the calculated fee in the fee storage unit 33. I do.

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.

(1-2) Operation Next, the information processing operation by the terminal device 100 and the information processing device 1 configured as described above will be described.

(1-2-1) Terminal device First, the processing operation of the terminal device 100 that functions as a part of the store terminal STT installed in the store ST will be described. FIG. 6 is a flowchart showing a processing procedure and processing contents of such a terminal device 100.

In one embodiment, the terminal device 100 monitors the presence or absence of a trigger for starting the generation / output processing of payment data to be transmitted to the operator server PASV in step S101. In this state, for example, when the operator inputs a request for instructing the generation / output of payment data via the input device 102 and receives this request as a start trigger, the terminal device 100 executes the process as follows.

First, in step S102, the terminal device 100 receives the payment information acquired by the store terminal STT by the payment information acquisition unit 121 via the input / output interface 112 or the communication interface 111 under the control of the control unit 120, and the payment information. It is stored in the storage unit 131. Alternatively, the terminal device 100 may acquire payment information directly from a card reader or scanner as an input device 102. Payment information is information related to payment related to a single commercial transaction, and includes date and time information related to the payment, transaction price information related to the payment, and credit card information (credit card) when a credit card payment is made. Includes number, expiration date, security code, payment method, etc.) and, if a point service is used, information about the point service (point card number, membership number, point type, etc.).

Next, in step S103, the terminal device 100 reads the payment information stored in the payment information storage unit 131 by the payment data generation unit 122 under the control of the control unit 120, and the payment data to be transmitted to the operator server PASV. To generate. The payment data is generated according to the data format previously specified by the credit card company PA.

In step S104, under the control of the control unit 120, whether or not the terminal device 100 meets the combination condition set in advance by the combination determination unit 123, that is, whether or not the point service is used together with the credit card payment. To judge. In one embodiment, the combined determination unit 123 includes specific credit card information related to a specific credit card company PA and specific points related to a specific point operator SP in the settlement information related to a single commercial transaction. It is determined that the combination condition is satisfied according to the fact that both the card information and the card information are included. If it is determined that the combined conditions are met, the process proceeds to step S105, and if it is determined that the conditions are not met, the process proceeds to step S106.

In step S105, under the control of the control unit 120, the terminal device 100 adds additional information indicating that the combination condition is satisfied to the payment data generated by the payment data generation unit 122 by the combination determination unit 123. The additional information can be added by any method. For example, when there is a free area in the data format for payment data, a specific value (Value) is set in this free area, and this value is shared between the terminal device 100 and the payment operator server PASV. It can be used as additional information indicating that the conditions are met.

Next, in step S106, the terminal device 100 outputs payment data to which additional information is added or not added by the output control unit 124 under the control of the control unit 120.

The processes of steps S101 to S106 may be performed on any data unit at any timing. For example, the start of the payment data generation / output process described in step S101 does not have to be in response to an instruction from the operator, and the internal timer of the terminal device 100 generates a trigger at regular intervals. The process may be started periodically according to the trigger, or may be executed every time data is received from the store terminal STT. Alternatively, the store terminal STT stores unprocessed payment information in a storage unit (not shown), monitors the storage unit, and makes a payment to the terminal device 100 each time a certain amount of unprocessed payment information is accumulated. You may instruct to start the data generation / output processing process.

(1-2-2) Information Processing Device Next, the processing operation of the information processing device 1 that functions as a part of the payment operator server PASV will be described. FIG. 7 is a flowchart showing a processing procedure and processing contents of such an information processing apparatus 1.

In one embodiment, the information processing apparatus 1 monitors the presence or absence of a trigger for starting the fee calculation process in step S201. 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 S202, 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 S203, 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 additional information extraction unit 22, and identifies the information for identifying the payment and the store ST. The transaction price information is extracted together with the information and passed to the fee calculation unit 24.

In step S204, under the control of the control unit 20, the information processing apparatus 1 determines the presence / absence of additional information for the record read from the transaction data storage unit 31 in step S203 by the additional information extraction unit 22. If it is determined that there is no additional information, the process proceeds to step S206.

On the other hand, when it is determined in step S204 that there is additional information, the information processing apparatus 1 proceeds to step S205, extracts the additional information by the additional information extraction unit 22, and passes the additional information to the rate information acquisition unit 23. In one embodiment, the additional information is identified as a Value set in a free area of a pre-designated data format between the credit card company PA and the store ST. The additional information extraction unit 22 extracts this value as additional information and passes this value to the rate information acquisition unit 23.

In step S206, the information processing device 1 is controlled by the control unit 20 and is based on the identification information of the store ST and the presence / absence of additional information (or the value extracted as the additional information) by the rate information acquisition unit 23. , Acquires the rate information representing the corresponding fee rate from the fee rate table stored in the rate information storage unit 32. The commission rate table may be a data table individually set for each store ST, or a data table commonly 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 to be a different value depending on the additional information. In one embodiment, when there is additional information, that is, when the point service is used together with credit card payment, the commission rate is set to be lower than when there is no additional information.

FIG. 8A shows an example of a fee rate table stored in the rate information storage unit 32. This commission rate table is set for a specific member store (ID = B00XX01), and the presence or absence of additional information is classified into "Y (with additional information)" or "N (without additional information)", respectively. The fee rate to be applied in case is shown. In the example of FIG. 8A, when the additional information is "Y", the point service is used together with the credit card payment, so the fee rate applied to the calculation of the credit card fee is 2. It is set to 8%. On the other hand, when the additional information is "N", the credit card payment was made, but the point service was not used, so the standard fee rate of 3.5% is applied as it is.

FIG. 8B shows another example of the fee rate table stored in the rate information storage unit 32. This commission rate table is set for a specific member store (ID = B00XX05), and additional information is divided into "condition 1", "condition 2", and "N / A (not applicable)" in each case. The commission rate to be applied is shown. For example, "Condition 1" is set as a case where the point service is used together with credit card payment and points are given at a predetermined grant rate according to the transaction price, and "Condition 2" is set as a point service together with credit card payment. Was used, but it is set as a case where bonus points irrelevant to the transaction price are given, and "N / A" is set as a case where the point service is not used together with the credit card payment. In such conditional division, when the terminal device 100 generates payment data, different "values" are set in the free area depending on whether "condition 1" is applicable or "condition 2" is applicable. This can be easily implemented by sharing the value with the credit card company PA. According to this method, more detailed conditioning can be performed by setting a plurality of conditions.

By setting the commission rate table as described above in advance, for the member store, at least the commission amount charged by the credit card company PA will be reduced for transactions using the point service together with the credit card payment. .. Therefore, by presenting the commission rate table as described above, it is possible to give an incentive to the member stores of the credit card payment system to further encourage the introduction of the point service. Further, as shown in FIG. 8B, by setting and presenting detailed conditions according to the business form of each store, it is possible to further encourage the store ST to introduce the point service.

Next, in step S207, the information processing apparatus 1 charges the member store fee based on the price information extracted in step S203 and the rate information acquired in step S206 by the fee calculation unit 24 under the control of the control unit 20. calculate.

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 S208, 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 under the control of the control unit 20, and creates the output data, and the communication interface 11 or the input / output interface. It can be output via 12. For example, the output control unit 25 reads out the transaction data for each store ST including the calculated fee information at regular intervals, and pays the store ST the amount obtained by subtracting the total fee from the total amount billed from the store ST. Generate output data to be presented as a forehead. 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 S201 to S208 may be performed on any data unit at any timing. For example, the start of the fee calculation process described in step S201 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]
In the first embodiment, the information processing device 1 has been described as being implemented as a part of the payment operator server PASV of the credit card company PA. However, the information processing device 1 may be implemented as a part of the point server SPSV of the point operator SP. The information processing device 1 according to the second embodiment will be described focusing on the differences from the first embodiment.

(2-1) Configuration The information processing device 1 according to the second embodiment is used as a part of the point server SPSV. Alternatively, the information processing device 1 may be implemented as a separate device that can function in cooperation with the point server SPSV.

(I) Hardware Configuration The information processing device 1 according to the second embodiment can adopt the same hardware configuration as described in the first embodiment.

(Ii) Software Configuration The information processing apparatus 1 according to the second embodiment can adopt the same software configuration as described with respect to the first embodiment with reference to FIG. Specific functions of each functional unit different from those of the first embodiment will be described below.

The transaction data acquisition unit 21 accesses the point database SPD, 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 additional information extraction unit 22 extracts the value information representing the transaction price or the number of points granted associated with the transaction data from the transaction data stored in the transaction data storage unit 31 for each settlement (transaction), and adds the associated points to the information. Performs processing to determine the presence or absence of information. The additional information extraction unit 22 also performs a process of extracting the additional information when the additional information exists, and passing information indicating that fact to the rate information acquisition unit 23 when the additional information does not exist. The additional information extraction unit 22 also performs a process of passing the extracted price information or the number of points granted to the fee calculation unit 24.

The rate information acquisition unit 23 reads the corresponding fee rate from the fee rate table stored in the rate information storage unit 32 based on the information received from the additional information extraction unit 22, and performs a process of passing it to the fee calculation unit 24. ..

The fee calculation unit 24 calculates a fee based on the fee rate received from the rate information acquisition unit 23 and the price information received from the additional information extraction unit 22, and stores the calculated fee in the fee storage unit 33. I do.

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.

(2-2) Operation Next, the information processing operation by the information processing device 1 configured as described above will be described with reference to FIG. 7 in the same manner as in the first embodiment.
The terminal device 100 used in combination with the information processing device 1 of the second embodiment performs substantially the same operation as the terminal device 100 described in the first embodiment. However, the point processing data transmitted by the terminal device 100 to the point operator SP is generated according to the data format previously specified by the point operator SP. Then, as in the first embodiment, when it is determined by the combined use determination unit 123 of the terminal device 100 that both the specific point card information and the specific credit card information are included in the settlement information related to a single commercial transaction. In addition, a specific value is set in the free area of the point processing data by the settlement data generation unit 122.

Similar to the first embodiment, the information processing apparatus 1 monitors the presence / absence of the trigger for starting the fee calculation process in step S201. 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 S202, the information processing device 1 reads necessary transaction data from the point database SPD 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 point database SPD, 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 S203, 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 additional information extraction unit 22, and identifies the information for identifying the payment and the store ST. The number of points granted or transaction price information is extracted together with the information and passed to the fee calculation unit 24.

In step S204, under the control of the control unit 20, the information processing apparatus 1 determines the presence / absence of additional information for the record read from the transaction data storage unit 31 in step S203 by the additional information extraction unit 22. If it is determined that there is no additional information, the process proceeds to step S206.

On the other hand, when it is determined in step S204 that there is additional information, the information processing apparatus 1 proceeds to step S205, extracts the additional information by the additional information extraction unit 22, and passes the additional information to the rate information acquisition unit 23. In one embodiment, the additional information is identified as a value set in a free area of a data format previously specified between the point operator SP and the store ST. The additional information extraction unit 22 extracts this value as additional information and passes this value to the rate information acquisition unit 23.

In step S206, the information processing device 1 is controlled by the control unit 20 and is based on the identification information of the store ST and the presence / absence of additional information (or the value extracted as the additional information) by the rate information acquisition unit 23. , Acquires the rate information representing the corresponding fee rate from the fee rate table stored in the rate information storage unit 32. The commission rate table may be a data table individually set for each store ST, or a data table commonly set for each store type. Alternatively, the rate information acquisition unit 23 may acquire rate information from another database managed by the point operator SP. 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 point operator SPs, which is collectively managed by another operator (not shown). It may be.

The commission rate is set to be a different value depending on the presence or absence of additional information. In one embodiment, the fee rate is set to be lower when there is additional information, that is, when the credit card payment is made together with the use of the point service, as compared with the case where there is no additional information.

For example, as shown in FIG. 8A, when a credit card is used together with the use of the point service (Y (with additional information)), the fee is lower than when it is not used (N (without additional information)). The rate is applied to the calculation of the point service fee.

Further, when a plurality of conditions are set as shown in FIG. 8B, for example, "Condition 1" is set as a case where credit card payment is used in installments together with presentation of a point card, and "Condition 2" is a point. Set as the case where credit card payment is used by lump-sum payment together with the presentation of the card, and "N / A" is the case where the point card is presented but the credit card payment is not used (payment was made in cash). Can be set as. In such conditioning, when the terminal device 100 generates point processing data, different "values" are set in the free area depending on whether "condition 1" is applied or "condition 2" is applied. It can be easily implemented by sharing the value with the point operator SP. According to this method, more detailed conditioning can be performed by setting a plurality of conditions.

FIG. 8C shows another example of the fee rate table stored in the rate information storage unit 32 of the information processing apparatus 1. This commission rate table is set as a common table for the member store groups (ID = B001X01 to B001X99), and the additional information is divided into "Y" or "N" as in FIG. 8A, and in each case. The applicable fee rate is shown as the amount per point (PT). In FIG. 8C, in the case of "Y", that is, when the point service and credit card payment are used together, a commission rate of 1.5 yen / PT is applied to the number of points awarded, and in the case of "N", the case is That is, if the point service and credit card payment are not used together, a commission rate of 2.2 yen / PT is applied.

By setting the fee rate table as described above in advance, for the member store, at least the fee amount charged by the point operator SP will be reduced for transactions in which the point service is used together with credit card payment. .. Therefore, by presenting the commission rate table as described above, it is possible to give an incentive to the member stores of the point service to further encourage the introduction of the credit card payment system. Further, as shown in FIG. 8B, by setting and presenting detailed condition settings according to the business form of each store, it is possible to further encourage the store ST to introduce a credit card payment system.

Next, in step S207, under the control of the control unit 20, the fee calculation unit 24 joins the information processing device 1 based on the number of points granted or the price information extracted in step S203 and the rate information acquired in step S206. 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 calculates 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 S208, 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 under the control of the control unit 20, 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 S201 to S208 may be performed on any data unit at any timing. For example, the start of the fee calculation process described in step S201 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 point server SPSV monitors the data accumulated in the point database SPD and instructs the information processing apparatus 1 to start the fee calculation process every time a certain amount of data for which the fee has not been calculated is accumulated. You may try to do it.

(effect)
As described in detail above, in one embodiment of the present invention, the information processing device 1 that calculates the fee charged to the store ST that can combine the non-cash settlement processing and the point processing related to the commercial transaction is the settlement information for each commercial transaction. , Refer to the additional information indicating whether non-cash settlement processing and point processing are used together, and calculate the fee based on the preset fee rate so that the value will be different depending on the additional information. There is.

As a result, the store ST, which can use both non-cash settlement processing and point processing related to commercial transactions, simply totals the fees charged for each independent use when non-cash settlement processing and point processing are used together. You will be charged a different fee than the amount you paid. Therefore, store ST, which has already introduced one of non-cash settlement processing and point processing and is considering further introduction of the other, or has not introduced either of them and is considering the introduction of both processing systems. It is possible to give an incentive for introduction by reducing the burden of fees to the store ST.

For example, a transaction that uses both point service and credit card payment for a store that has already used the point service but hesitated to introduce credit card payment because of the burden of being charged duplicate fees. If the setting that the commission rate is reduced is presented, the store may decide to introduce it. Or, even when a store that did not use point service or credit card payment is considering introducing both systems at the same time, presenting the above fee rate table can support the introduction. Be expected.

In the above embodiment, without requiring complicated system changes, by changing the setting of the commission rate table, or by a simple operation such as setting a specific value in the free area of the payment data transmitted from each store. , It is possible to easily reduce the fee burden of member stores.

[Other Embodiments]
The present invention is not limited to the above embodiment.
For example, each process described with respect to FIGS. 1 to 7 is sequentially processed (continuous processing or continuous processing) each time new data is acquired in each of the store terminal STT, the payment operator server PASV, the point server SPSV, or the information processing device 1. It may be processed in real time), or the acquired data may be accumulated and batch-processed in a fixed amount or at regular intervals.

Further, the payment system provider PA and the point provider SP may be the same operator. Similarly, the payment operator server PASV and the point server SPSV may be a single integrated device. Alternatively, the payment operator server PASV and the point server SPSV can exchange information via the network NW, and it may be determined whether or not the combined use condition is satisfied by collating the payment data with each other. When the settlement operator server PASV and the point server SPSV are a single device, the arrows S2 and S6 shown in FIG. 1 can be implemented as a single data flow. Similarly, arrows S5 and S7 may also be a single data flow. In this case, either the member store fee for non-cash settlement or the member store fee for the point service may be reduced according to the combined conditions, or both member store fees may be reduced. It may be. For example, the rate information acquisition unit 23 of the information processing device 1 reads out a plurality of fee rate tables stored in the rate information storage unit 32, and the fee calculation unit 24 charges a plurality of member store fees simultaneously or in parallel, or It can be configured to be calculated sequentially. That is, the processing of the information processing apparatus 1 described with respect to the first embodiment and the processing of the information processing apparatus 1 described with respect to the second embodiment may be performed simultaneously, in parallel, or sequentially by a single information processing apparatus 1. it can.

The acquisition of information related to transactions by the store terminal STT or the terminal device 100 is not limited to the example shown above. The image may be acquired by reading the JAN code, QR code, electronic tag, etc. using a code reader, electronic tag reader, scanner, or the like attached to the store terminal STT or the terminal device 100, or an image using a camera. Character information may be acquired by recognition. Alternatively, the clerk who operates the terminal may operate the touch panel or the button to input the information and acquire the input information.

The "combined use" described above is not limited to the case where the customer indicates the intention to use the credit card and the point service at the same time when paying the price. If there is a time difference, for example, even if there is a use of a credit card linked to the same customer CS and a point service at the same store on the same day, it may be set to be regarded as "combined use".

Further, in the above embodiment, the combination determination unit 123 of the terminal device 100 has been described as determining whether or not the combination condition is satisfied based on the information included in the payment information, but the present invention is not limited to this. For example, when paying the price at the store terminal STT, when the point card is presented at the same time as the credit card payment, the operator of the store terminal STT presses a predetermined button provided on the POS terminal to use the payment data together. It can also be configured to set a flag indicating that the condition has been met.

Further, in the above embodiment, it has been described that additional information is added by the combination determination unit 123 of the terminal device 100 when it is determined that the combination condition is satisfied, but the present invention is not limited to this. For example, the terminal device 100 may be configured to add additional information only when the combined condition is not satisfied, or may be configured to add different additional information depending on whether the combined condition is satisfied or not. May be done.

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.

Further, the commission rate may be different depending on the payment method for each payment data. For example, the commission rate may be set differently depending on whether it is a lump sum payment or a revolving payment, or it may be used together 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. Various fee rates may be set by setting the classification of conditions in detail. 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) It is also possible to set the classification of the combined condition according to the points and the points limited to stores where the stores used are restricted).

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 further 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.

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 combined conditions together, obtain a commission rate for each group, and calculate the commission.

In addition, non-cash payments are not limited to credit cards and electronic money. The above embodiment can be applied to all payment systems such as debit cards, QR code payments, and house electronic money, in which usage fees are incurred for member stores.

Similarly, the point service or the point awarding system is not limited to the system in which points are awarded via the point server SPSV as described above. The above embodiment is applicable to any information processing system that employs a similar system. For example, the above-described embodiment is applicable to an immediate point cashback or cash cashback system in which the processing is completed (or appears to be completed) on the POS terminal or the user terminal, and does not go through the point server SPSV. Any system that incurs a member store fee for using the information processing system is fully applicable.

The point card related to the use of the point service is not limited to a tangible card. For example, the point card information can be acquired by having the customer CS read the QR code displayed on the display of the mobile terminal owned by the customer CS with the code reader of the store terminal STT. Alternatively, the point card information may be registered only in the store terminal STT. For example, by verbally stating that the customer CS is a point member along with the name and date of birth, it is regarded as a manifestation of intention to use the point service, and the payment data is flagged by the input to the store terminal STT by the store ST clerk. It may be given. Alternatively, in the case of online shopping or the like, the customer checking the "accumulate points" check box may be regarded as a manifestation of intention to use the point service, and it may be determined that the credit card and the point service are used together.

In addition, the use of point services is not limited to those that generate points for the purchase price of goods and services. Transactions in which points are awarded according to visits regardless of the price can also be included in the scope of application of the above embodiment, or points can be consumed as part of the price, points can be exchanged for prizes or cash vouchers, etc. May be included in the use of the point service.

The functional units 121 to 124 included in the terminal device 100 and the functional units 21 to 25 included in the information processing device 1 are distributed and arranged on a cloud server, an edge server, or the like, and processing is performed by coordinating these devices with each other. You may do it. 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 ... Additional 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, 100 ... Terminal device, 102 ... Input device, 103 ... Display device, 111 ... Communication interface, 112 ... Input / output interface, 120 ... Control unit, 120A ... Hardware processor, 120B ... Program memory, 121 ... Payment Information acquisition unit, 122 ... payment data generation unit, 123 ... combination judgment unit, 124 ... output control unit, 130 ... data memory, 131 ... payment information storage unit, 150 ... bus, CS ... customer, ST ... store, STT ... store Terminal, NW ... network, PA ... payment system provider, PASV ... payment company server, PAD ... transaction database, SP ... point company, SPSV ... point server, SPD ... point database.

Claims (10)

An information processing device that calculates fees charged to stores that can use both non-cash settlement processing and point processing related to commercial transactions.
A rate information storage medium that stores different fee rates set in advance in association with the presence or absence of the non-cash settlement processing and the point processing in combination.
Transaction data for each commercial transaction, which includes settlement information related to the settlement of the commercial transaction and additional information indicating whether or not the non-cash settlement processing and the point processing are used in combination for the commercial transaction, from the terminal of the store. Acquisition department and
The corresponding fee rate is read from the rate information storage medium according to the presence or absence of the combined use represented by the additional information included in the acquired transaction data, and the fee rate and the settlement information included in the acquired transaction data are read. A fee calculation unit that calculates the fee to be charged to the store based on
An information processing device including an output unit that outputs information representing the calculated fee. An information processing device that calculates fees related to the credit settlement processing, which is imposed on stores that can use both credit settlement processing and point processing related to commercial transactions.
A rate information storage medium that stores different fee rates set in advance in association with the presence or absence of the credit settlement processing and the point processing in combination.
For each commercial transaction, transaction data including price information indicating the transaction price subject to the credit settlement processing related to the commercial transaction and additional information indicating whether or not the credit settlement processing and the point processing are used in combination for the commercial transaction are provided. The transaction data acquisition unit acquired from the terminal of the store and
The corresponding fee rate is read from the rate information storage medium according to the presence or absence of the combined use represented by the additional information included in the acquired transaction data, and the fee rate and the price information included in the acquired transaction data are read. Based on the above, the fee calculation unit that calculates the fee related to the credit settlement processing, and
An information processing device including an output unit that outputs information representing the calculated fee. The rate information storage medium corresponds to the case where the credit settlement process and the point processing are used together with the first fee rate set corresponding to the case where the credit settlement process and the point processing are not used together. The second commission rate set to a value lower than the first commission rate is memorized and stored.
The fee calculation unit calculates the fee to be charged to the store by multiplying the fee rate read from the rate information storage medium by the transaction price represented by the price information.
The information processing device according to claim 2. An information processing device that calculates fees related to point processing, which is imposed on stores that can use both credit card payment processing and point processing related to commercial transactions.
A rate information storage medium that stores different fee rates set in advance in association with the presence or absence of the credit settlement processing and the point processing in combination.
For each of the commercial transactions, the price information representing the transaction price related to the commercial transaction, the point processing information including the information regarding the granting of points related to the commercial transaction, and whether or not the credit settlement processing and the point processing are used in combination for the commercial transaction. A transaction data acquisition unit that acquires transaction data including additional information to be represented from the terminal of the store, and
The corresponding fee rate is read from the rate information storage medium according to the presence or absence of the combined use represented by the additional information included in the acquired transaction data, and the fee rate and the price information included in the acquired transaction data are read. And a fee calculation unit that calculates a fee related to the point processing based on at least one of the point processing information.
An information processing device including an output unit that outputs information representing the calculated fee. The rate information storage medium corresponds to the case where the credit settlement process and the point processing are used together with the first fee rate set corresponding to the case where the credit settlement process and the point processing are not used together. The second commission rate set to a value lower than the first commission rate is memorized and stored.
The fee calculation unit multiplies the fee rate read from the rate information storage medium by the transaction price represented by the price information or the number of points granted based on the point processing information. Calculate the fee for the point processing,
The information processing device according to claim 4. Information that calculates the fee charged to a store that can use both non-cash settlement processing and point processing related to commercial transactions using different fee rates that are preset in association with the presence or absence of the non-cash settlement processing and the point processing. A terminal device installed in the store, which is used together with a processing device.
For each commercial transaction, a settlement information acquisition unit that acquires settlement information related to the settlement of the commercial transaction,
For each of the commercial transactions, a combination determination unit that determines whether or not the non-cash settlement processing and the point processing are used in combination for the commercial transaction,
A settlement data generation unit that generates settlement data including the settlement information and additional information indicating whether or not the non-cash settlement processing and the point processing are used in combination for each commercial transaction.
A terminal device including an output unit that outputs the generated payment data. A memory that calculates a fee to be charged to a store that can use both non-cash settlement processing and point processing related to commercial transactions, and stores different fee rates preset in association with the presence or absence of the non-cash settlement processing and the point processing. An information processing method executed by an information processing device equipped with a medium.
A process of acquiring transaction data for each commercial transaction, including settlement information relating to the settlement of the commercial transaction and additional information indicating whether or not the non-cash settlement processing and the point processing are used in combination for the commercial transaction, from the terminal of the store. ,
The corresponding fee rate is read from the storage medium according to the presence or absence of the combined use represented by the additional information included in the acquired transaction data, and the fee rate and the settlement information included in the acquired transaction data are combined. The process of calculating the fee to be charged to the store based on
An information processing method including a process of outputting information representing the calculated fee. Information that calculates the fee charged to a store that can use both non-cash settlement processing and point processing related to commercial transactions using different fee rates set in advance in association with the presence or absence of the non-cash settlement processing and the point processing. An information processing method executed by a terminal device installed in the store, which is used together with a processing device.
For each of the commercial transactions, a process of acquiring settlement information related to the settlement of the commercial transaction, and for each of the commercial transactions, a process of determining whether or not the non-cash settlement processing and the point processing are used in combination for the commercial transaction.
A process of generating settlement data including the settlement information and additional information indicating whether or not the non-cash settlement processing and the point processing are used in combination for each of the commercial transactions.
An information processing method including a process of outputting the generated payment data. A program for causing a processor to execute processing by each part included in the information processing apparatus according to any one of claims 1 to 5. A program for causing a processor to execute processing by each part included in the terminal device according to claim 6.