JP2020198091A - Dynamic settlement processing system - Google Patents

Abstract

To provide a dynamic settlement processing system which is excellent in convenience of a user using a settlement card and also can provide the user with preferable settlement service corresponding to a settlement occasion.SOLUTION: A dynamic settlement processing system includes: a settlement information acquisition part 40 for acquiring settlement information being information on a settlement using a settlement card 2; a settlement processing information management part 45 for storing settlement occasion information set as information on a scene and a situation in which the settlement is performed by using the settlement card 2, and settlement processing information being information on content of settlement processing associated with the settlement occasion information; a settlement processing information acquisition part 46 for acquiring settlement processing information corresponding to settlement occasion information satisfied by the settlement information acquired by the settlement information acquisition part 40 from the settlement processing information stored in the settlement processing information management part 45; and a settlement processing part 47 for performing settlement processing on the basis of the settlement processing information acquired by the settlement processing information acquisition part 46.SELECTED DRAWING: Figure 1

Description

The present invention relates to a dynamic payment processing system, and more particularly to a dynamic payment processing system that changes the content of payment processing according to a payment occasion.

Conventionally, as a payment service that does not use cash using a payment card, a payment processing system that operates a payment means such as credit card payment, electronic money payment using electronic money, and point payment is known. Normally, in this type of payment processing system, a payment card such as a magnetic stripe card or an IC card (contact type IC card or contactless type IC card) is read by a payment terminal device for payment installed in a store. A host computer such as a credit card company or an electronic money company and a terminal installed in a store are connected via a network to perform payment processing.

For example, in a payment processing system that operates electronic money payment, a non-contact IC card incorporating an IC chip that digitizes the monetary value (electronic money) is stored as electronic money information for product transactions and service provision. By updating freely according to the situation, the payment process is performed as a payment method in the same manner as the payment by cash. In such a payment processing system, when the payment amount of the product purchase is settled, the electronic money information is read from the payment card, the monetary value corresponding to the payment amount is subtracted, and the electronic money information written in the storage unit of the card is used. By updating to the electronic money information after deduction, the settlement process of the payment amount is performed.

In the payment processing system using the payment card described above, the types of services and benefits that can be obtained differ depending on the type of card company / electronic money company and the store used, so payment is made using the payment card. It is common for a user to bring a plurality of payment cards such as a magnetic stripe card and an IC card and use different types of payment cards to be used at the time of payment according to the environment of product purchase and payment. Therefore, for example, if you forget to bring your desired payment card in payment, you will not be able to receive services and benefits, and depending on the selection of payment card, you will not be able to receive payment services suitable for the user. In some cases, it would be profitable.

From this point of view, for example, as disclosed in Patent Document 1, a payment card (integrated credit card) in which a plurality of credit cards are integrated into one card medium is used for actual payment according to a rule set by a user. Electronic money suitable for payment by using a payment processing system that automatically selects the credit card to be used and an IC card that stores multiple electronic money types as disclosed in Patent Document 2. A payment processing system or the like in which the species is selected has been proposed.

However, in the conventional payment processing system disclosed in Patent Document 1 or Patent Document 2 described above, a plurality of payment cards are managed by providing one payment card with a plurality of credit card payment and electronic money payment functions. Although the problem of not having to carry around is solved, the content of payment processing in credit card payment and electronic money payment is determined for each payment method, so in order to receive payment services such as discounts from the payment amount and point awarding In addition, a plurality of payment cards and electronic money types corresponding to one payment card must be registered in advance, which causes a problem that pre-registration / setting is troublesome and user convenience is impaired. Further, from the viewpoint of the user of the payment processing system, there is also a problem that it is not possible to provide a suitable payment service according to the situation or situation in which the user makes a payment.

Japanese Unexamined Patent Publication No. 2011-65199 Japanese Unexamined Patent Publication No. 2013-145600

Therefore, the present invention solves the above-mentioned conventional problems with respect to the dynamic payment processing system, provides a convenient payment service for the user who uses the payment card, and provides a suitable payment service according to the payment occasion. The purpose is to provide a dynamic payment processing system that can be provided.

The problem to be solved by the present invention is as described above, and next, the means for solving this problem will be described.

That is, in claim 1, a payment information acquisition means that is a dynamic payment processing system that changes the content of payment processing according to a payment occasion and acquires payment information that is information related to payment using a payment card. Multiple payment occasions are combined as history information management means that stores history information related to payment using a payment card and payment occasions that make payments using a payment card, and payment cards for the same category of payment occasions. Settlement occasion information in which conditions are set to determine the usage scene or usage status of the payment card, and information on the content of payment processing associated with the payment occasion information, depending on the usage scene or usage status of the payment card. From the payment processing information management means for storing the payment processing information in which the processing advantageous for the user who makes the payment using the payment card is set, and the payment information acquired by the payment information acquisition means and the history information management means. Based on the acquired history information, the information satisfying the payment occasion set in the payment processing information management means is extracted, and the payment processing information corresponding to the payment occasion information satisfied by the information is acquired from the payment processing information management means. It is provided with a payment processing information acquisition means and a payment processing means for performing payment processing based on the payment processing information acquired by the payment processing information acquisition means.

In claim 2, the payment processing information management means includes information on a position where payment is made using a payment card as information on a payment occasion where payment is made using a payment card, and an order of positions where payment is made. The settlement occasion information in which the set conditions are set is stored.

In claim 3, the payment processing information management means includes information on the content of card usage in which payment is made using a payment card as information on a payment occasion in which payment is made using a payment card, and the content of card usage. Settlement occasion information in which conditions that determine the order of are set is stored.

In claim 4, the payment processing information management means includes and uses information regarding the content of card use for making payments using another payment card as information regarding payment occasions for making payments using a payment card. The payment occasion information in which the conditions for determining the order of the payment cards are set is stored.

In claim 5, the payment processing information includes a process of changing the degree of proof that the user is a payment card user.

In claim 6, the payment processing information includes a process of changing a discount rate for a payment amount using a payment card.

In claim 7, the payment processing information includes a process of changing the usage limit of electronic money when the payment card is an electronic money card.

In claim 8, the payment processing information includes a process of changing the interest rate of the prize refund generated by the game machine at the casino facility.

As an effect of the present invention, it is possible for the user to provide a suitable payment service according to the payment occasion, which is excellent in convenience for the user who uses the payment card.

It is a functional block diagram which showed the overall structure of the dynamic settlement processing system which concerns on one Example of this invention. It is a figure which showed the facility area where the payment terminal device is installed. It is a figure which showed the attribute information management table. It is a figure which showed the history information management table. It is a figure which showed an example of the settlement information management table. It is a figure which showed an example of the settlement information management table. It is a figure which showed an example of the settlement information management table. It is a figure which showed an example of the settlement information management table. It is a figure which showed an example of the settlement information management table. It is a figure which showed an example of the settlement information management table. It is a figure which showed an example of the settlement information management table. It is a flowchart explaining the whole flow of the dynamic settlement process of this Example. It is a flowchart explaining the flow of the settlement processing information acquisition process. It is a flowchart explaining the flow of the settlement processing process. It is a functional block diagram which showed the overall structure of the dynamic settlement processing system of another Example. It is a figure which showed an example of the settlement information management table of another Example. It is a functional block diagram which showed the overall structure of the dynamic settlement processing system of another Example. It is a figure which showed the facility area where the payment terminal device of another embodiment is installed. It is a functional block diagram which showed the structure of the casino facility apparatus of the dynamic payment processing system of another Example. It is a figure which showed an example of the settlement information management table of another Example. It is a figure which showed an example of the settlement information management table of another Example. It is a figure which showed an example of the settlement information management table of another Example.

Next, a mode for carrying out the invention will be described.

First, the configuration of the dynamic payment processing system 1 of this embodiment will be described below.
As shown in FIGS. 1 and 2, the dynamic payment processing system 1 of the present embodiment operates electronic money payment using the payment card 2, and commercializes tourist facilities, hotels, mass retailers, restaurants, and convenience stores. It is configured as a payment processing system that changes the content of payment processing according to the payment occasion when making payments at facilities, medical facilities, and infrastructure facilities such as buses, railroads, and airplanes. It is composed of a card 2, a payment terminal device 3 that exchanges information with the payment card 2, and a payment processing device 4 that is communicably connected to the payment terminal device 3 via a communication network 10.

The communication network 10 refers to a cable line including an Internet connection, a CATV (cable television) line, and other communication network. The security of the communication network 10 can be further enhanced by partially or wholly using a predetermined dedicated communication line such as a VPN (Virtual Private Network) or by using a communication data encryption technology or the like. Can be done.

As shown in FIG. 1, the payment card 2 is a card used for payment of prices according to product transactions and service provision. As an example, the payment card 2 of this embodiment is configured as a contactless electronic money card in which an IC chip is incorporated, and a card information storage unit 20 for storing card information such as card identification information and user identification information is provided. It is provided. The card information storage unit 20 readablely stores card information, for example, as an IC chip attached to the payment card 2.

The card identification information is information for identifying the payment card 2, and includes a card ID of the payment card 2, a combination of the card ID of the payment card 2 and a security code, a code stored in the payment card 2, and the like. .. The card ID may not be updated in order to identify the payment card 2, and the number assigned in advance to the built-in IC chip may be used as it is, or a new number that is easy to manage independently may be assigned. You may do so.

The user identification information is information that identifies a user who makes a payment using the payment card 2, and includes, for example, a user ID set for each user, a user's name, a mobile phone number, an e-mail address, and the like. Is done.

The card information storage unit 20 may store identification information including the user's passport information as user identification information. The identification information includes information described in the passport such as the passport number, name, nationality, and date of birth, and may be used as information for certifying the user's identity at the time of payment at each facility.

In the dynamic payment processing system 1 of this embodiment, the payment card 2 does not have electronic money information as card information, and the payment processing device 4 (card information management unit 42) stores and manages the electronic money information. (See FIG. 12 and the like). The electronic money information stored in the payment processing device 4 can be charged (increased) from cash or a credit card registered for transaction via a dedicated terminal (reader / writer for electronic money) or the like.

The payment card 2 does not necessarily have to have a card shape in appearance. For example, a mobile phone, a mobile information terminal, or the like having the same information as the payment card 2 may be considered as a payment card.

As shown in FIGS. 1 and 2, the payment terminal device 3 is configured as a terminal (information communication terminal) for making a payment with the payment card 2, and is usually a control device, a display device, and an input device including a CPU, a memory, and the like. It is provided with a device, a storage device, and the like, and is configured so that the functions of each processing unit are realized by executing a program on the CPU and processing information. The payment terminal device 3 is communicably connected to a payment processing device 4 described later via a communication network 10, and is provided with a card information acquisition unit 30, a card usage information acquisition unit 31, a terminal identification information storage unit 32, and the like. There is.

The payment terminal device 3 is installed in each of a plurality of facilities (or stores in the facility) capable of making payments using the payment card 2. Specifically, the tourist facility area A as an area mainly containing tourist facilities, Commercial facility area B as an area mainly containing hotels, mass retailers, restaurants, convenience stores, etc., medical facility area C mainly as an area with hospitals, and infrastructure facility area D as an area mainly with buses and railways. It is installed in a counter or the like (see FIG. 2), and is configured to perform payment processing at the time of payment accounting for goods transactions and service provision in a state of being connected to the payment processing device 4.

The card information acquisition unit 30 is configured as a known card information acquisition device usually used in this type of payment processing system, such as a card reader device that acquires the card information of the payment card 2.

The card usage information acquisition unit 31 is configured as an input device for acquiring card usage information which is information on the contents of card usage performed using the payment card 2, and is an input device such as a barcode reader, a numeric keypad, and a keyboard. In addition, it is realized by the device driver of the communication means, the control software of the menu screen, and the like.

The card usage information includes, for example, information on the payment amount of the product or service, the type of the product or service (product / service name or product / service number), the quantity of the product or service, and the like. Further, it may have usage date / time information which is information regarding the date and time when the payment card 2 is used. The usage date / time information here is a concept that includes not only the date when the payment was made using the payment card 2 but also information indicating the time and day of the week when the payment was made.

The terminal identification information storage unit 32 stores terminal identification information for each payment terminal device 3. The terminal identification information includes, for example, a terminal ID set for each payment terminal device 3 (card information acquisition unit 30), a facility name, a facility address, a facility telephone number, a facility email address, and latitude and longitude. The combined coordinates and the like may be included. The terminal identification information is acquired by the payment information acquisition unit 40 (position information acquisition unit 41) of the payment processing device 4, which will be described later, as position information which is information on the position where payment is performed using the payment card 2.

In the payment terminal device 3, the card usage information acquisition unit 31 acquires the card information (card identification information, etc.) read by the card information acquisition unit 30 when paying the price according to the product transaction or service provision. The card usage information and the payment information such as the terminal identification information stored in the terminal identification information storage unit 32 are transmitted to the payment processing device 4 described later via the communication network 10 together with the payment processing request, and the payment processing device 4 (See FIG. 12 and the like). Further, when the payment processing is completed by the payment processing device 4, a payment report (settlement processing result) is received from the payment processing device 4.

As shown in FIGS. 1 and 2, the payment processing device 4 is configured as a server device including a Web server, an application server, a database, and the like, and includes a control device, an input device, a storage device, and the like including a CPU, a main memory, and the like. It is configured so that the functions of each processing unit are realized by executing a program on the CPU and processing information. The payment processing device 4 of this embodiment has a payment information acquisition unit 40, a location information acquisition unit 41, a card information management unit 42, an attribute information management 43, a history information management unit 44, a payment processing information management unit 45, and a payment processing information acquisition. A unit 46, a payment processing unit 47, an output unit 48, and the like are provided.

The payment information acquisition unit 40 is configured as a payment information acquisition means, and acquires card information, card usage information, location information, and the like transmitted from the payment terminal device 3 as payment information.

The position information acquisition unit 41 is provided in the payment information acquisition unit 40 as a payment information acquisition means, and acquires position information as payment information, which is information on a position where payment is performed using the payment card 2. The location information is information for specifying a position when a predetermined user makes a payment with a predetermined payment terminal device 3 using the payment card 2, and is transmitted from the payment terminal device 3 in this embodiment. Acquires the terminal identification information as location information.

The location information may be information related to the position of the payment card 2, the position of the user, or the like, in addition to the terminal identification information described above. For example, the payment card 2 or the payment terminal device 3 is configured to be able to receive GPS signals by a GPS information acquisition device (not shown), and the location information acquisition unit 41 is a space in which latitude and longitude included in the GPS signal are combined. Information or the like may be acquired as location information. When the payment terminal device 3 is installed in a mobile body (for example, a railroad, an airplane, a mobile store), the spatial information of the payment terminal device 3 is acquired as position information, or the terminal identification of the payment terminal device 3 is performed. Information may be acquired or one of the preferred information may be selected.

The position information is a device other than the payment card 2 or the payment terminal device 3, and is, for example, a position information acquisition provided on a fixed installation object such as a surveillance camera, a motion sensor, or a lighting, or a moving body such as an unmanned airplane. In unit 41, it may be spatial information or movement (lead wire) information acquired from an external device or an external network.

The card information management unit 42 is configured as a database or the like for storing the card information of the payment card 2, and in this embodiment, the electronic money information in which the monetary value is digitized is stored as the electronic money information storage unit. The card information management unit 42 has detailed information about the user such as user ID, identification information, password (password), biometric information such as fingerprints and irises in the eyes, annual income, place of employment, years of service, spouse. Information such as the presence or absence of the drug and medical data for critical care (drug name, presence or absence of pre-existing disease, details of blood type) may be stored.

The card information management unit 42 has a "card ID" as card identification information of the payment card 2, an "electronic money balance" as electronic money information, a "point balance" as point information, and a "coupon" as coupon information. "Type" etc. are memorized. The "electronic money balance", "point balance", etc. are updated when the settlement processing unit 47 performs settlement processing.

The attribute information management 43 is configured as a database or the like that stores attribute information that is information related to the attributes of payment information for which payment is made using the payment card 2. As the attribute information, for example, in the case of location information, as information indicating a specific point or area (area) in space, based on the user's behavior history, statistical information from an external organization (external information system), or the like. It is set as a geographical virtual boundary (geofence) formed on map data, and is stored in one or more groups. By setting the information related to the attributes of the location information in this way, it is possible to perform the settlement processing based on the settlement occasion according to the specific point or area in the space specified by the location information, and it is easy to set the settlement processing information. Information management can be simplified.

The attribute information includes not only the above-mentioned position information, but also other payment information (card information and card usage information), a history related to a position where payment is made using the payment card 2 (position history information), and a payment card. History of card usage for payment using 2 (card usage history information), history of card usage for payment using other payment cards (other card usage history information), and payment described later Various types of information may be grouped into one or a plurality of pieces and set as information related to attributes such as environmental factors (environmental factor information) that affect payment using the card 2.

As shown as an example in FIG. 3, the attribute information management 43 of this embodiment includes each facility area such as the tourist facility area A, the commercial facility area B, the medical facility area C, and the infrastructure facility area D shown in FIG. In A to D, "area code: a to d" as attribute information indicating that the payment terminal device 3 is installed in the area is associated with each "terminal ID: AAA to DDD" as terminal identification information. The attribute information management table T1 registered and registered is stored.

The history information management unit 44 is configured as a database or the like that stores history information related to payment using the payment card 2. In the history information management unit 44, the card information, the card usage information, and the position information (terminal identification information) acquired by the payment information acquisition unit 40 (location information acquisition unit 41) described above are sequentially stored as history information. .. The history information includes payment amount included in the card usage information transmitted from the payment terminal device 3, information on the type of product or service (identification information), quantity of product or service, etc., and gross on cumulative payment amount, number of payments, etc. Information and the like are included, and are stored in association with the user identification information and / or the card identification information.

The history information includes card usage history information, which is information on the contents of card usage for making payments using the payment card 2, position history information, which is information on the position history for making payments using the payment card 2, and payment. Other card usage history information and the like, which is information on the contents of card usage in which payment is made using a payment card other than card 2, may be included.

As shown as an example in FIG. 4, the history information management unit 44 of this embodiment includes a "user ID" and a "card ID", as well as a "terminal ID", a "payment amount", and a "product / service" as history information. The history information management table T2 in which the "name" and "use date and time" are registered is stored.

The payment processing information management unit 45 sets the payment occasion information set as predetermined information regarding the scene / situation (payment occasion) for making a payment using the payment card 2, and the content of the payment processing associated with the payment occasion information. It is configured as a database or the like that stores payment processing information, which is information related to. The payment processing information management unit 45 stores payment occasion information having conditions related to one or more scenes / situations, and stores payment processing information having one or more payment processing contents corresponding to the payment occasion information. ..

The settlement occasion information is information related to conditions related to a scene / situation (settlement occasion), and various information used for acquiring settlement processing information is set. The payment occasion information includes data indicating the usage situation and usage status of the payment card 2, "where it was used (location)", "who or who used it (target)", and "what payment was used for". (Issue) ”,“ When (when) ”,“ How did you use it (means) ”,“ How much did you use (scale) ”,“ Why did you use it (motivation) ”, etc. One or more pieces of information are included, for example, in addition to payment information (including location information), history related to the position where payment is made using payment card 2 (location history information), payment is made using payment card 2. Affects the history of card usage (card usage history information), history of card usage for making payments using other payment cards (other card usage history information), and payment using payment card 2 described later. One or more conditions selected from the environmental factors (environmental factor information) that exert the above conditions are combined.

The payment occasion information is preset by the administrator of the dynamic payment processing system 1 or the user who makes a payment using the payment card 2, and the payment processing information is obtained by using variables or a part thereof. Therefore, it may be generated using one or more functions, method names, control syntax, algorithms, and other prepared information.

The payment processing information includes information on the content of the payment processing such as treatment and benefits specially given to the user who makes the payment. The contents of the payment process include the process of changing the authentication level of the payment card 2, the process of changing the discount rate of the payment amount using the payment card 2, the process of upgrading the purchased product or service, the process of giving points, and the issuance of coupons. In addition to the process of changing the user status to a higher status, for example, a process related to issuing an invoice as an output method, a process related to the presence / absence of personal information output, and the like may be included.

As shown as an example in FIGS. 5 to 11, the payment processing information management unit 45 of this embodiment includes a "terminal ID", an "area code", a "payment amount", a "product / service name", and a "use". Various payment occasion information such as "date and time" is registered, and as payment processing information associated with this payment occasion information, "authentication level" indicating the degree of proof of being a user of payment card 2 and a discount rate for the payment amount The payment information management table T3 in which the contents of payment processing such as "discount rate" indicating "discount rate" and "point grant" indicating the contents of points given at the time of payment are registered is stored.

The "authentication level" is, for example, "simple authentication" that requires authentication with only the card ID, "user ID authentication" that requires authentication with the user ID, and "password authentication" that requires authentication with the password. , And "bioauthentication" that authenticates with bioauthentication information such as fingerprints and irises in the eyes are set according to the degree of certification. These authentication levels are performed by the payment processing unit 47, which will be described later, by comparing with the card information stored in the card information management unit 42 described above. In this way, by including the process of changing the degree of proof that the payment processing information is the user of the payment card 2, it depends on the payment occasion (for example, the type of product or service to be settled) in the facility or area. The authentication level can be changed, and the maintenance and management of payment information and the like can be thoroughly performed without impairing the convenience for the user who uses the payment card 2.

The "discount rate" is expressed as a percentage discount rate (%) on the payment amount at the time of settlement, for example, "3%", "5%", "10%", "20%", and "30%". Etc. are set. In this way, the payment processing information includes the processing of changing the discount rate for the payment amount using the payment card 2, so that the payment can be made according to the payment occasion (for example, the type of product or service to be settled) in the facility or area. Therefore, it is possible to provide a suitable payment service to the user who uses the payment card 2.

"Point grant" is expressed as a point ratio arbitrarily set with respect to the payment amount at the time of settlement, and is set as, for example, "double", "triple", or the like. As for "point award", "in-facility point award" may be set as points that can be used only in a specific facility.

For example, in the payment information management table T3 shown in FIG. 5, "authentication level:" is displayed as payment processing information corresponding to the payment occasion information of "area code: a", "area code: b", and "area code: d". "Simple authentication" is set, and "authentication level: password authentication" is set as payment processing information corresponding to the payment occasion information of "area code: c". In this way, different payment processes (“authentication level”) may be set for different payment occasions (“area code”).

Further, in the payment information management table T3 shown in FIG. 6, "authentication level: simple authentication" is set as payment processing information corresponding to the payment occasion information of "area code: b" and "payment amount: less than 5,000 yen". Then, "authentication level: user ID authentication" is set as payment processing information corresponding to the payment occasion information of "area code: b" and "payment amount: 5,000 yen or more and less than 10,000 yen", and "area code: b". "Authentication level: password authentication" is set as the payment processing information corresponding to the payment occasion information of "payment amount: 10,000 yen or more". In this way, different payment processes (“authentication level”) may be set according to the combination of a plurality of payment occasions (“area code”, “payment amount”). In such a case, the user who uses the payment card 2 may perform simple authentication if the payment amount in the commercial facility area B is less than 5,000 yen, but the payment amount in the same commercial facility area B is 5,000 yen or more 1 If it is less than 10,000 yen, user ID authentication is required, and if the payment amount is 10,000 yen or more, password authentication is required.

Further, in the payment information management table T3 shown in FIG. 7, "discount rate: 3%" is set as payment processing information corresponding to the payment occasion information of "area code: a" and "product / service name: beverage AA". Then, "discount rate: 5%" is set as payment processing information corresponding to the payment occasion information of "area code: b" and "product / service name: beverage AA", and "area code: b" and "product / service / product / "Discount rate: 10%" and "point award: double" are set as payment processing information corresponding to the payment occasion information of "service name: beverage BB". In this way, different combinations of payment processes (“discount rate”, “point award”) may be set according to the combination of a plurality of payment occasions (“area code”, “product / service name”). .. In such a case, the user who uses the payment card 2 has a discount rate of 3% when purchasing the beverage AA in the tourist facility area A, but a discount rate of 5% when purchasing the same beverage AA in the commercial facility area B. You can receive the benefits of. In addition, even in the same commercial facility area B, if a beverage BB, which is a beverage different from the beverage AA, is purchased, a discount rate of 10% and double points can be obtained.

Further, in the payment information management table T3 shown in FIG. 8, payment occasions of "area code: b", "product name: beverage BB" and "use date and time: yy year mm month dd day 13:00 to 17:00" "Discount rate: 10%" is set as payment processing information corresponding to the information. In such a case as well, different payment processes (“discount rate”) are set according to the combination of multiple payment occasions (“area code”, “product name”, “use date and time”). Even when the user who uses the payment card 2 purchases the beverage BB in the commercial facility area B, the discount rate is 10 on a specific usage date and time (yy year mm month dd day 13:00 to 17:00). You can receive% benefits.

Further, in the payment information management table T3 shown in FIG. 9, "discount rate: 5%" is set as payment processing information corresponding to the payment occasion information of "terminal ID: AAA → BBB", and "terminal ID: AAA → BBB". "Discount rate: 10%" is set as the payment processing information corresponding to the payment occasion information of "DDD → BBB". In this way, different payment processes (“discount rate”) may be set according to the payment occasion (“terminal ID”) including the location history. In such a case, the user who uses the payment card 2 makes a payment at a specific facility (terminal ID: AAA) in the tourist facility area A, and then at a specific facility (terminal ID: BBB) in the commercial facility area B. When making a payment, you can receive a benefit of a discount rate of 5%, and after making a payment at a specific facility in the tourist facility area A, make a payment at the facility (terminal ID: DDD) in the infrastructure facility area D. After that, if you make a payment at a specific facility (terminal ID: BBB) in the commercial facility area B, you can receive a privilege with a discount rate of 10%.

Further, in the payment information management table T3 shown in FIG. 10, "discount rate: 5%" is provided as payment processing information corresponding to the payment occasion information of "area code: b" and "product / service name: magazine CC → record DD". Is set, and "discount rate: 10%" is set as payment processing information corresponding to the payment occasion information of "area code: b" and "product / service name: magazine CC → movie ticket EE". In this way, different payment processes (“discount rate”) may be set according to the combination of payment occasions (“area code”, “product / service name”) including the card usage history. In such a case, the user who uses the payment card 2 in the commercial facility area B can receive the benefit of a discount rate of 5% when purchasing the record DD after purchasing the magazine CC, and the movie after purchasing the magazine CC. If you purchase Ticket EE, you can receive a special benefit of 10% discount rate.

Further, in the payment information management table T3 shown in FIG. 11, payment processing information corresponding to the payment occasion information of "area code: b", "card ID: 111 → 222" and "product / service name: movie ket EE" is displayed. "Discount rate: 5%" is set as, and payment processing information corresponding to the payment occasion information of "Area code: b", "Card ID: 111 → 222 → 333" and "Product / service name: Movie ticket EE" "Discount rate: 10%" is set as. In this way, different payment processes (“discount rate”) may be set according to the payment occasion including the usage history of other cards. In such a case, the user who uses the payment card in the commercial facility area B purchases the movie ticket EE using the predetermined payment card (card ID: 111), and then another user or the like purchases another payment card (card). If you purchase movie ticket EE continuously using ID: 222), you can receive a benefit of 5% discount rate as a group discount, and then another user can use another payment card (card ID:). If you purchase a movie ticket EE using 333), you can receive an additional 10% discount rate.

Returning to FIG. 1, the payment processing information acquisition unit 46 makes a payment satisfied by the payment information acquired by the payment information acquisition unit 40 (location information acquisition unit 41) from the payment processing information stored in the payment processing information management unit 45. Acquire payment processing information corresponding to occasion information. In addition to the card information, card usage information, and location information acquired by the payment information acquisition unit 40 (location information acquisition unit 41), the payment processing information acquisition unit 46 includes attribute information stored in the attribute information management unit 43, and Based on each information such as history information stored in the history information management unit 44, the payment processing information corresponding to the payment occasion information registered in the payment information management table T3 of the payment processing information management unit 45 is acquired.

Specifically, the payment processing information acquisition unit 46 manages the attribute information of the attribute information management 43 in addition to the card information, card usage information, and location information acquired by the payment information acquisition unit 40 (position information acquisition unit 41). Various information such as predetermined attribute information acquired from table T1 and predetermined history information (position history information, card usage history information, and other card usage history information) acquired from the history information management table T2 of the history information management unit 44. Based on the above, the payment processing information corresponding to the payment occasion information registered in the payment information management table T3 of the payment processing information management unit 45 is acquired.

The payment processing unit 47 compares the payment amount of the product or service included in the card usage information acquired by the payment information acquisition unit 40 with the electronic money information stored in the card information management unit 42, and the completed processing information acquisition unit 46. When the payment processing information is acquired in, the payment processing is performed based on the payment processing information, and the "electronic money balance" or "point balance" of the card information management unit 42 is updated. The payment amount of the product or service is compared with the electronic money information, and if the "electronic money balance" of the card information management unit 42 is less than the amount corresponding to the product transaction or the service provision, the settlement process is not performed.

For example, when the completed processing information acquisition unit 46 acquires the "authentication level" as the payment processing information, the payment processing unit 47 uses the card information (user) acquired by the payment information acquisition unit 40 in the case of "user ID authentication". An additional authentication process is performed by comparing the ID) with the card information (user ID) stored in the card information management unit 42, and in the case of "password authentication" and "bioauthentication", via the payment terminal device 3 or the like. After requesting the input of the password or the biometric authentication information, an additional authentication process is performed by comparing with the card information (password information and the biometric authentication information) stored in the card information management unit 42.

When the payment processing information acquisition unit 46 acquires the "discount rate" as the payment processing information, the payment processing unit 47 performs a process of discounting the payment amount of the product or service at a predetermined discount rate to acquire the completed processing information. When the unit 46 acquires "point grant" as payment processing information, it performs a process of granting points at a predetermined grant rate.

When the payment processing information is not acquired by the payment processing information acquisition unit 46, the payment processing unit 47 increases the payment amount of the product or service included in the card usage information acquired by the payment information acquisition unit 40 and the card information management unit 42. Performs normal payment processing by comparing with the electronic money information stored in.

In addition, the payment processing unit 47 receives a charge request from the electronic money charging IC card user (not shown), updates the electronic money information stored in the card information management unit 42, and sets the "electronic money balance". The process of increasing the number may be performed. Further, in the payment processing unit 47, prior to the payment processing, the card information (card ID) stored in the card information management unit 42 and the card information (card ID) acquired by the payment information acquisition unit 40 are compared and authenticated. May be done. In this case, the user's identity may be identified based on passport information such as age and nationality based on the identification information.

The output unit 48 transmits a payment report (payment processing result) to the payment terminal device 3. As a payment report, there is a notification that the payment process has been completed, a notification that the payment process has not been completed, such as when the authentication has failed due to an error or the electronic money balance is insufficient. included. When the payment process is completed, the output unit 48 transmits a payment report to the payment server (not shown) of the payment card management company (electronic money management company in this embodiment).

Next, a dynamic payment processing method using the dynamic payment processing system 1 of this embodiment will be described below.
As shown in FIGS. 12 to 14, the dynamic payment processing method of the present embodiment corresponds to the payment occasion information and the payment occasion information set as information regarding the scene / situation of making a payment using the payment card 2. It is a dynamic payment processing method using a dynamic payment processing system 1 including a payment processing information management unit 45 for storing payment processing information which is information about the contents of the attached payment processing, and is a payment card. The payment information acquired in the payment information acquisition process S101 is satisfied from the payment information acquisition process S101 for acquiring the payment information which is the information related to the payment using 2 and the payment processing information stored in the payment processing information management unit 45. The payment processing information acquisition process S103 (S110 to S113) for acquiring the payment processing information corresponding to the payment occasion information, and the payment processing process S104 (settlement processing process S104) for performing the payment processing based on the payment processing information acquired in the payment processing information acquisition process S103. It has S120 to S127) and the like.

In the dynamic payment processing system 1 used in this embodiment, as described above, predetermined card information is stored in the card information storage unit 20 of the payment card 2, and predetermined in the terminal identification information storage unit 32 of the payment terminal device 3. Terminal identification information is stored. Further, the card information management unit 42 of the payment processing device 4 stores the "card ID" as the card information of the payment card 2, the "electronic money balance" as the electronic money information, the "point balance" as the point information, and the like. The attribute information management table T1 (see FIG. 3) registered in which the "area code" as the attribute information is associated with each "terminal ID" is stored in the attribute information management unit 43, and the "user" is stored in the history information management unit 44. Along with the ID and the card ID, the history information management table T2 (see FIG. 4) in which the "payment amount" and the like as the history information are registered is stored, and the payment information management unit 45 stores the "terminal ID" as the payment occasion information. Etc. are registered, and the payment information management table T3 (see FIGS. 5 to 11) in which payment processing such as “authentication level” is registered as payment processing information associated with payment occasion information is stored.

When a user makes a payment using the payment card 2, for example, the card information of the payment card 2 is read by the payment terminal device 3 installed in a predetermined facility, and the payment procedure is performed by the payment terminal device 3. Card information, card usage information, and terminal identification information are transmitted to the device 4 together with a payment processing request.

The payment processing device 4 receives the payment processing request transmitted from the payment terminal device 3 by the payment information acquisition unit 40 (location information acquisition unit 41) (S100), and receives card information, card usage information, and terminal identification information. Etc. (S101). Based on the payment information such as the card information, the card usage information, and the terminal identification information acquired by the payment information acquisition unit 40, the payment processing information acquisition unit 46 and the payment processing unit 47 perform predetermined information processing. Further, in the history information management unit 44, such card usage information and the like are sequentially stored in the history information management table T2 (see FIG. 4) as history information.

The payment processing device 4 compares the card information (card identification information) acquired by the payment information acquisition unit 40 with the card information stored in the card information management unit 42 in the payment processing unit 47 prior to the payment processing described later. And perform the authentication process (S102). As a result, if the card information that matches the card information stored in the card information management unit 42 is not extracted and an authentication error occurs, the payment terminal device 3 is notified that the payment process has not been completed (payment process result). ) Is transmitted to end the payment process (S106).

On the other hand, when the payment processing unit 47 extracts the card information that matches the card information stored in the card information management unit 42 and the authentication is processed normally, the location information acquisition unit 41 performs the payment terminal device. The terminal identification information (terminal ID) of 3 is acquired as position information.

Next, the payment processing device 4 corresponds to the payment occasion information satisfied by the payment information acquired by the payment information acquisition unit 40 from the payment processing information stored in the payment processing information management unit 45 in the payment processing information acquisition unit 46. The payment processing information is acquired (S103), and the payment processing is performed based on the payment processing information (S104).

Here, the payment processing information acquisition process (S103) and the payment processing process (S104) will be described in detail below. In the following, a case where "authentication level" or "discount rate" is acquired as payment processing information will be described.

As shown in FIG. 13, in the settlement processing information acquisition step (S103), the settlement processing information acquisition unit 46 is a terminal as position information acquired by the position information acquisition unit 41 from the attribute information management table T1 of the attribute information management 43. Attribute information corresponding to the identification information is extracted (S110), and predetermined history information (position history information, card usage history information, and other card usage history information) is acquired from the history information management table T2 of the history information management unit 44. (S111).

Then, along with the card information, the card usage information, and the terminal identification information acquired by the payment information acquisition unit 40 (position information acquisition unit 41), the predetermined attribute information acquired from the attribute information management table T1 of the attribute information management 43, and the history. Payment information of the payment processing information management unit 45 based on various information of predetermined history information (position history information, card usage history information, and other card usage history information) acquired from the history information management table T2 of the information management unit 44. When the information satisfying the payment occasion registered in the management table T3 is extracted, and as a result, the information satisfying the payment occasion registered in the payment information management table T3 of the payment processing information management unit 45 is extracted (S112). The payment processing information corresponding to the payment occasion information satisfied by the information is acquired and sent to the payment processing unit 47 (S113).

For example, referring to FIG. 5, when the user makes a payment with the payment terminal device 3 (“terminal ID: CCC”) using the payment card 2 in the medical facility area C, the payment processing information acquisition unit 46 Then, the attribute information ("area code: c") corresponding to the terminal identification information ("terminal ID: CCC") acquired from the attribute information management table T1 is registered in the payment information management table T3 as a payment occasion ("" It is extracted as information that satisfies "area code"), and payment processing information ("authentication level: password authentication") corresponding to the payment occasion information satisfied by such information is acquired.

Further, for example, referring to FIG. 7, when the user purchases "beverage AA" in the commercial facility area B, the payment is made by the payment terminal device 3 ("terminal ID: BBB") using the payment card 2. In the payment processing information acquisition unit 46, the attribute information (“area code: b”) corresponding to the terminal identification information (“terminal ID: BBB”) acquired from the attribute information management table T1 and the payment information The card usage information (“product / service name: beverage AA”) acquired by the acquisition unit 40 satisfies the payment occasion (“area code”, “product / service name”) registered in the payment information management table T3. The payment processing information (“discount rate: 5%”) corresponding to the payment occasion information that is extracted and satisfied by such information is acquired.

If the information satisfying the settlement occasion registered in the settlement information management table T3 is not extracted (S112), that fact is sent to the settlement processing unit 47 described later.

As shown in FIG. 14, in the payment processing process (S104), first, when the payment processing unit 47 does not acquire the payment processing information in the completed processing information acquisition unit 46 (S120), the payment information acquisition unit 40 The payment amount is determined based on the payment amount of the product or service included in the acquired card usage information (S124). On the other hand, when the payment processing information is acquired by the completed processing information acquisition unit 46 (S120), the processing is performed according to the contents of the payment processing information.

For example, as described above, when the completed processing information acquisition unit 46 acquires the payment processing information (“authentication level: password authentication”), the payment processing unit 47 requests the input of the password via the payment terminal device 3. After that, an additional authentication process is performed by comparing with the card information (password information) stored in the card information management unit 42 (S121). At this time, if an authentication error occurs in the payment processing unit 47, the payment processing result is confirmed without completing the payment processing (S127).

Further, for example, as described above, when the completed processing information acquisition unit 46 acquires the payment processing information (“discount rate: 5%”) (S122), the payment processing unit 47 determines the payment amount of the product or service. A discount process is performed at a predetermined discount rate (S123) to determine the settlement amount (S124).

Next, the payment amount of the product or service included in the card usage information acquired by the payment information acquisition unit 40, or the payment amount confirmed above and the electronic money information stored in the card information management unit 42 are compared (S125). ), If the "electronic money balance" of the card information management unit 42 is larger than the fixed payment amount, the "electronic money balance" is updated by reducing the amount of electronic money equivalent to the payment amount (S126), and the payment processing result is updated. Confirm (S127). On the other hand, when the "electronic money balance" is less than the fixed settlement amount, the settlement processing result is finalized without completing the settlement processing (S127).

Then, returning to FIG. 12, the output unit 48 transmits a payment report (payment processing result) to the payment terminal device 3 or the like in response to the result of the payment processing confirmed in the payment processing step (S104) (S106). ..

As described above, the dynamic payment processing system 1 of the present embodiment is a dynamic payment processing system that changes the content of the payment processing according to the payment occasion, and is payment information related to the payment using the payment card 2. The payment information acquisition unit 40 for acquiring information, the payment occasion information set as information on the scene / situation of making a payment using the payment card 2, and the information about the content of the payment process associated with the payment occasion information. The payment corresponding to the payment occasion information satisfied by the payment processing information management unit 45 in which the payment processing information is stored and the payment information acquired by the payment information acquisition unit 40 from the payment processing information stored in the payment processing information management unit 45. Since the payment processing information acquisition unit 46 for acquiring the processing information and the payment processing unit 47 for performing the payment processing based on the payment processing information acquired by the payment processing information acquisition unit 46 are provided, the payment card 2 is used. The convenience of the user is excellent, and the user can provide a suitable payment service according to the payment occasion.

That is, the dynamic payment processing system 1 of the present embodiment has a payment processing information management unit 45 that stores payment occasion information and payment processing information associated with the payment occasion information, and acquires payment processing information. Since the payment processing unit 47 is configured to acquire the payment processing information corresponding to the payment occasion information satisfied by the payment information in the unit 46 and perform the payment processing based on the payment processing information in the payment processing unit 47, the payment card 2 is used. The content of payment processing can be appropriately changed according to the payment occasion such as the situation and usage status, which can contribute to the improvement of convenience and stress reduction of the user who uses the payment card 2, and the dynamic payment processing system 1 From the user's point of view, it is possible to promote the use of card payments by enclosing users, and to appropriately provide users with suitable payment services according to various payment occasions.

In particular, the payment processing information management unit 45 stores payment occasion information including attribute information which is information related to the attributes of payment information for which payment is made using the payment card 2, and the payment processing information acquisition unit 46 stores the payment occasion information. Since it is configured to acquire the payment processing information corresponding to the payment occasion information satisfied by the attribute information from the payment processing information management unit 45, the payment information is looped and each payment occasion is set for the user. It is possible to provide a more suitable payment service.

Further, an attribute information management unit 43 for storing attribute information which is information related to attributes of payment information for which payment is made using the payment card 2 is provided, and the payment processing information management unit 45 includes attribute information. The payment occasion information is stored, and the payment processing information acquisition unit 46 acquires the attribute information corresponding to the payment information acquired by the payment information acquisition unit 40 from the attribute information management unit 43, and the attribute from the payment processing information management unit 45. Since it is configured to acquire payment processing information corresponding to the payment occasion information that the information satisfies, by looping the payment information and setting each payment occasion, a more suitable payment service is provided to the user. it can.

Further, the payment processing information management unit 45 stores payment occasion information including position information which is information on a position where payment is performed using the payment card 2, and the payment processing information acquisition unit 46 stores the payment processing information. Since it is configured to acquire the payment processing information corresponding to the payment occasion information satisfied by the location information from the management unit 45, the user can set the payment occasion according to the facility where the payment is performed and the movement lead of the user. It is possible to provide a more suitable payment service to the customer.

Further, the payment processing information management unit 45 stores payment occasion information including position history information which is history information regarding a position where payment is performed using the payment card 2, and the payment processing information acquisition unit 46 makes a payment. Since it is configured to acquire the payment processing information corresponding to the payment occasion information satisfied by the location history information from the processing information management unit 45, it is expected to legitimately attract the specified facility and promote the sales provision of the specified product / service. It is possible to provide a more suitable payment service to the user.

In addition, the payment processing information management unit 45 stores payment occasion information including card usage history information, which is history information regarding the contents of card usage for making payments using the payment card 2, and is a payment processing information acquisition unit. Since the 46 is configured to acquire the payment processing information corresponding to the payment occasion information satisfied by the card usage history information from the payment processing information management unit 45, a legitimate invitation to a predetermined facility and sale of a predetermined product / service It is expected that the provision will be promoted, and a more suitable payment service can be provided to the user.

In addition, the payment processing information management unit 45 stores payment occasion information including other card usage history information, which is history information regarding the contents of card usage in which payment is made using another payment card, and payment processing information. Since the acquisition unit 46 is configured to acquire the payment processing information report corresponding to the payment occasion information satisfied by the other card usage history information from the payment processing information management unit 45, a legitimate invitation to a predetermined facility or a predetermined product -Promotion of sales and provision of services can be expected, and more suitable payment services can be provided to users.

The configuration of the dynamic settlement processing system 1 is not limited to the above-described embodiment, and various changes can be made without departing from the object of the present invention. In the examples shown below, those having the same reference numerals as those in the above examples are configured to be the same unless otherwise specified, and detailed description thereof will be omitted.

That is, in the dynamic payment processing system 1 (see FIG. 1 and the like) of the above-described embodiment, various information including position information is set as the payment occasion information stored in the payment processing information management unit 45 (FIG. 1). 5 to 11), such payment occasion information is not limited to this, and is provided in the payment information acquisition unit 40 as a payment information acquisition means, for example, as in the dynamic payment processing system 100 of the embodiment shown in FIG. The payment processing information management 45 has an environmental factor information acquisition unit 49 that acquires environmental factor information as payment information, which is information on environmental factors that affect payment using the payment card 2. The payment occasion information including the information is stored, and the payment processing information acquisition unit 46 may be configured to acquire the payment processing information corresponding to the payment occasion information satisfied by the environmental factor information from the payment processing information management unit 45.

The environmental factor information is information on environmental factors that affect payments using the payment card 2, and the environmental factor acquisition unit 49 of this embodiment is obtained from an external information system 6 such as an external database, website, or social media. Acquire the obtained information as environmental factor information. As environmental factor information, for example, the XX index (for example, consumer price index, heat index) as an index expressing the magnitude relationship of the weather (forecast), stock price, and fluctuating numerical values at the time of settlement in the form of a ratio, etc. Etc.), social indicators (eg, number of searches, number of video views, number of visitors, number of reviews, number of posts / comments, number of links, number of retweets, number of leads, number of shares of conversation, etc.).

For example, as shown as an example in FIG. 16, in the payment information management table T3 stored in the payment processing information management unit 45 of this embodiment, "area code: b", "product name: beverage BB" and "weather" "Discount rate: 5%" is set as the payment processing information corresponding to the payment occasion information of "Sunny", and the payment occasion information of "Area code: b", "Product name: Beverage BB" and "Weather: Cloudy" is set. "Discount rate: 8%" is set as the corresponding payment processing information, and "discount" is set as the payment processing information corresponding to the payment occasion information of "area code: b", "product name: beverage BB" and "weather: rain". Rate: 10% "is set. In this way, different payment processes (“discount rate”) may be set according to the payment occasion (“area code”, “product name”, “weather”) including environmental factor information. A user who uses the payment card 2 can receive different benefits (discounts) according to changes in the weather even when the same beverage BB is purchased in the commercial facility area B.

Further, the dynamic payment processing system 1 (see FIG. 1 and the like) of the above-described embodiment can be applied to various other payment services as a payment processing system that changes the content of the payment processing according to the payment occasion. For example, it can be preferably configured as a payment processing system for payment services provided to foreign travelers in integrated resorts including casinos. As an example, in the dynamic payment processing system 200 of the embodiment shown in FIGS. 17 to 19, as an integrated resort including a casino, a tourist facility, a commercial facility of a hotel / mass retailer / restaurant / convenience store, a medical facility, a bus, etc. It is configured as a payment processing system that changes the content of payment processing according to the payment occasion when making payments at infrastructure facilities such as railways and casino facilities.

At present, discussions are underway in Japan toward the full-scale introduction of so-called IR (Integrated Resort), as it contributes to the promotion of tourism and the local economy and contributes to the financial improvement of local governments through tax revenue. This IR is a general term for complex tourist facilities that integrate facilities that are recognized as contributing to tourism promotion, such as casino facilities, recreation facilities, MICE (conference hall facilities and exhibition facilities, etc.), entertainment facilities, and accommodation facilities. In particular, following the decision to hold the Tokyo Olympics in 2020, the momentum for improving tourism profits by enclosing inbound tourism (foreign tourists) is increasing, and the casino includes various infrastructure development such as transportation and communication. It is expected to promote integrated resort-related businesses, including the above, and is said to help the tourism industry, which contributes to Japan's growth strategy.

In such an integrated resort, when making payments not only at casino facilities but also at other general commercial facilities, transportation infrastructure, and public infrastructure in Japan, it is possible to receive suitable payment services according to the payment occasion. If a payment processing system can be constructed, it will be more convenient for foreign travelers, and it will be possible to naturally attract foreign travelers to integrated resorts including casinos, and it will be necessary during the stay of foreign travelers. It is expected to be able to provide a variety of stress-free services in daily life and transportation. In other words, by building a seamless electronic money payment system that responds to the diversification of tourist traffic lines of foreign travelers, it will contribute to the "hospitality service" in Japan that must be developed in parallel with the inbound strategy. It is expected that it will greatly contribute to the promotion of the tourism industry and the local economy.

The payment terminal device 3 of this embodiment is installed in a counter, a game machine, or the like in the casino facility area E as the area where the casino facility is located, in addition to the same arrangement as in the above-described embodiment such as the counter of the tourist facility area A. , The entrance / exit device 70 constituting the casino facility device 7 installed in the casino facility, the game money purchasing device 71 for the casino game machine, the chip purchasing device 72 for the table game machine, the prize refund device 73, and the like. (See FIG. 19).

The entrance / exit device 70 is installed at the entrance / exit of the casino facility and is a device for collecting an entrance fee when entering the casino facility. The payment terminal device 3 connected to the entrance / exit device 70 makes it possible to settle the payment of the entrance fee with electronic money.

The game money purchasing device 71 purchases game money (coins, bills, prepaid cards, etc.) used in game machines that play games electronically or mechanically, such as slot machines, poker machines, dice machines, and darts machines. The chip purchasing device 72 is an installation for purchasing chips, medals, and the like used in a game machine that does not directly handle game money such as a table game. The payment terminal device 3 connected to the game money purchasing device 71 and the chip purchasing device 72 makes it possible to settle the payment of the game consideration at the time of purchasing the game money and chips with electronic money.

The prize money refund device 73 is a device for receiving a refund of the prize money issued in the form of a ticket, a coupon, or the like in which information indicating the total amount of the prize money won is recorded in addition to coins and banknotes on the game machine. The payment terminal device 3 connected to the prize money refund device 53 enables the refund of prize money to be settled with electronic money, and the amount of electronic money corresponding to the total prize money such as coins and tickets is used as electronic money information in the card information management unit. It is stored in 42.

Further, in the payment processing device 4 of this embodiment, in addition to the configuration of the above-described embodiment (see FIG. 1), the casino payment management unit 50, the casino operator tax collection management unit 51, the user tax collection management 52, etc. Is provided.

The casino payment management unit 50 stores payment information according to the payment of the game consideration processed by the payment processing unit 47 and refund information based on the prize refund. In the casino payment management department 50, not only user payments and prizes, but also the history of game money and prizes for each game machine, etc., are the authorities that regulate the operation of casino facilities (national, local public organizations, or public safety commissions in each region). And the game regulation committee, etc.) are managed and memorized. By managing various information in the casino payment management unit 50 in this way, it is possible to ensure the soundness of the casino facility, for example, by properly fulfilling the reporting obligation to the authorities.

The casino operator tax collection management unit 51 calculates and stores the casino tax amount to be paid by the casino operator to the national or local public bodies based on the payment information and the refund information stored in the casino settlement management unit 50. Is. This casino tax amount is determined by multiplying the payment and refund by the casino tax rate set by the national or local government. Casino taxes include, in addition to national or local taxes, for example, those collected for use as regional return funds, and those collected as CSR business expenses provided to inbound businesses for foreign travelers. May be included.

To give an example, the city of Enghien-les-Bains in France is actually making efforts to return casino taxes to the region. Enghien-les-Bains has been selected as a "UNESCO Creative City Network" and has allocated 13% of the city's total budget to cultural projects. Among them, the casino tax is mainly used for environmental beautification, building preservation, etc. It is also returned to the community as a project fund that contributes to the safety and security of the community, such as the expansion of educational facilities. According to the survey, it is also reported that casino operators and citizens are aware that the casino tax contributes to local education and urban development and contributes to healthy development. In fact, the city of Enghien-les-Bains is becoming recognized as one of the most beautiful cities in France, is safe, and has the highest land prices in residential areas in the province of Valdwards, among other suburban cities in northern Paris. It has come to occupy a special position, and the fact is that it has achieved branding results centered on casino facilities.

In the casino operator tax collection management department 51, for example, when the casino tax is stipulated at a fixed rate for the total payment amount paid by the user as the game consideration at the casino facility, the payment regarding the total payment amount from the casino payment management department 50 Read the information and calculate the casino tax amount. Further, for example, when the casino tax is stipulated as a fixed rate for the difference between the payment paid by the user as the game consideration and the refund received as the prize at the casino facility, the payment information regarding the payment is provided by the casino payment management department 50. And the refund information related to the refund are read out, and the casino tax amount is calculated from the difference.

In this way, when the casino tax amount is properly managed by the casino operator tax collection management department 51, it is possible to properly collect taxes from the casino operator and contribute to the financial improvement of the national or local governments.

The casino operator tax collection management unit 51 may be connected to a communication control unit such as a local public body having jurisdiction via a communication network so that the managed casino tax amount can be viewed, and the country or the country or It may be possible to pay the casino tax amount online by connecting to a transfer account of a designated bank designated by a local public body via a network.

The user tax collection management unit 52 calculates and stores the tax amount to be paid by the user to the national or local public bodies when the refund amount processed by the payment processing unit 47 is equal to or greater than a predetermined amount. The amount of tax to be paid by the user to the national or local government is determined by multiplying the refund by the prescribed tax rate set by the national or local government. In this way, by enabling the user tax collection management department 52 to properly collect taxes from casino users, it is possible to contribute to the financial improvement of the national or local governments.

The dynamic payment processing system 200 of the present embodiment, in addition to the general payment processing similar to the above-described embodiment, is used, for example, when paying for a game or refunding a prize generated by a casino service at a casino facility. For processing to change the usage limit (upper limit) of electronic money in payments in the casino facility area, processing to change the interest rate of prize refunds generated on game machines at casino facilities, and refunds generated on game machines at casino facilities Processing such as changing the tax rate paid by the based user to the national or local public bodies is performed.

In the attribute information management table T1 (not shown) stored in the attribute information management 43, each facility area such as tourist facility area A, commercial facility area B, medical facility area C, infrastructure facility area D, and casino facility area E is displayed. "Area codes a to e" as attribute information indicating that the payment terminal devices 3 installed in A to E are installed in the area are associated and registered for each "terminal ID".

In the payment information management table T3 (not shown) stored in the completed processing information management unit 45, as payment processing information, there is an "electronic money usage limit" indicating an electronic money usage limit (upper limit), and a game at a casino facility. Settlement processing such as "prize refund interest rate" indicating the interest rate of prize refund generated on the machine and "payment tax rate" indicating the tax rate paid by the user to the national or local public bodies based on the refund rate generated on the game machine at the Gino facility. The contents of are registered. In this way, if the payment processing information includes a process of changing the electronic money usage limit, for example, if the electronic money usage limit is expanded only at the casino facility, user protection at the time of payment at the normal facility is protected. It is possible to improve the convenience of casino users while ensuring measures and measures to prevent money laundering.

For example, in the payment information management table T3 shown in FIG. 20, "electronic money usage limit: 50,000 yen" is set as payment processing information corresponding to the payment occasion information of "area code: b", and "area code: e". "Electronic money usage limit: 250,000 yen" is set as the payment processing information corresponding to the payment occasion information of "". In such a case, the user who uses the payment card 2 in the commercial facility area B has an electronic money usage limit (upper limit) of 50,000 yen, but when using the payment card 2 in the casino facility area E, it is 250,000. It is changed to a circle and enlarged.

Further, in the payment information management table T3 shown in FIG. 21, "Prize refund interest rate: 3%" is set as payment processing information corresponding to the payment occasion information of "Terminal ID: EFE", and "Terminal ID: EFE → EFF". "Prize refund interest rate: 5%" is set as the payment processing information corresponding to the payment occasion information of "Terminal ID: EFE → EFF → EFG", and "Prize refund interest rate: 5%" as the payment processing information corresponding to the payment occasion information of "Terminal ID: EFE → EFF → EFG". 8% ”is set. In such a case, the user who uses the payment card 2 receives a benefit of a prize refund interest rate of 3% when the refund is settled based on the prize refund generated on a specific game machine (terminal ID: EFE) in the casino facility area E. If you want to settle the refund based on the prize refund generated on different game machines (terminal ID: EFE → EFF) in the same facility, you can get the benefit of 5% prize refund interest rate, and the different games in a row. When the refund based on the prize refund generated on the machine (terminal ID: EFE → EFF → EFG) is settled, the benefit of the prize refund interest rate of 8% can be received.

Further, in the payment information management table T3 shown in FIG. 22, "payment tax rate: 1%" is set as payment processing information corresponding to the payment occasion information of "terminal ID: EFE", and the payment of "terminal ID: EFG" is set. "Payment tax rate: 0.5%" is set as payment processing information corresponding to the occasion information. In such a case, the user who uses the payment card 2 has a tax rate of 1% to be paid to the national or local government based on the refund generated at the specific game machine (terminal ID: EFE) in the casino facility area E. However, in the case of a different game machine (terminal ID: EFG), you can receive the privilege that the tax rate is 0.5%.

The flow of payment processing by the payment processing device 4 is the same as that of the above-described embodiment (see FIG. 1 and the like), but in particular, when the prize money generated in the casino service is to be refunded and settled, it is installed at a predetermined guide counter or the like. With the payment card 2 connected to the payment terminal device 3 via the prize money refund device 73 (see FIG. 19), the payment processing unit 47 performs payment processing to increase the electronic money according to the refund of the prize money. The "electronic money balance" of the card information management unit 42 is updated by increasing the amount of electronic money equivalent to the refund amount.

Then, when the refund amount processed by the settlement processing unit 47 is equal to or more than a predetermined amount, the user tax collection management unit 52 stores the tax amount to be paid by the user to the national or local public bodies. In addition, along with a series of payment processing of game consideration payment and prize refund by the payment processing unit 47, the casino payment management unit 50 stores payment information according to the payment of the game consideration and refund information based on the prize refund. The casino tax collection management unit 51 stores the casino tax amount to be paid by the casino operator to the national or local government based on the payment information and the refund information stored in the casino payment management unit 50.

As described above, the dynamic payment processing system 200 is configured as a payment processing system for payment services provided to foreign travelers at integrated resorts including casinos, and therefore is a financial operation that forms the basis of IR and inbound strategies. It contributes to improving convenience and stress reduction for foreign travelers, and enables "safe and secure" operation of integrated resorts including casinos.

In the above-described embodiment (see FIGS. 1, 15, and 17), the case where the payment card 2 is used as an electronic money card has been mainly described, but the type of the payment card 2 is not limited to this. For example, it may be configured as a credit card, a debit card, a point card, or the like. When configured as a credit card, a debit card, or the like, in addition to the card ID, it has card identification information such as card type information and card expiration date information.

In the above-described embodiment (see FIGS. 1, 15, and 17), the payment card 2 does not have the electronic money information, and the payment processing device 4 is configured to manage and process the electronic money information. However, as with a known payment card, the IC chip in the payment card may have electronic money information in which the monetary value is digitized as card information.

In the above-described embodiment (see FIGS. 1, 15, and 17), a case where a single electronic money type is used as the payment card 2 has been described, but for example, a plurality of electronic money types may be used. In such a case, the electronic money information is associated with the card identification information corresponding to each of the plurality of electronic money types and stored in the payment processing device 4 or the like.

In the above-described embodiment (see FIGS. 1, 15, and 17), the case where the payment processing device 4 is composed of a Web server, an application server, a database server, and the like is described, but each is individual. It may be composed of a server device.

1 Dynamic payment processing system 2 Payment card 3 Payment terminal device 4 Payment processing device 10 Communication network 20 Card information storage unit 30 Card information acquisition unit 31 Card usage information acquisition unit 32 Terminal identification information storage unit 40 Payment information acquisition unit (payment information) Acquisition method)
41 Location information acquisition department 42 Card information management department 43 Attribute information management department (attribute information management means)
44 History Information Management Department 45 Payment Processing Information Management Department (Payment Processing Information Management Means)
47 Payment processing information acquisition unit (payment processing information acquisition means)
46 Payment processing unit (payment processing means)
48 Output section

Claims (8)

It is a dynamic payment processing system that changes the content of payment processing according to the payment occasion.
A payment information acquisition method for acquiring payment information, which is information related to payment using a payment card,
A history information management means that stores history information related to payments using a payment card,
As information on payment occasions that make payments using a payment card, multiple payment occasions are combined, and payment occasion information that sets conditions that determine the usage scene or order of usage status of payment cards for payment occasions in the same category. , And as information about the content of the payment process associated with the payment occasion information, a process advantageous to the user who makes a payment using the payment card is set according to the usage scene or the order of the usage status of the payment card. Payment processing information management means for storing payment processing information,
Based on the payment information acquired by the payment information acquisition means and the history information acquired from the history information management means, information satisfying the payment occasion set in the payment processing information management means is extracted, and the payment processing information management means. A payment processing information acquisition means for acquiring payment processing information corresponding to the payment occasion information satisfied by the information from
A payment processing means that performs payment processing based on the payment processing information acquired by the payment processing information acquisition means, and
A dynamic payment processing system characterized by being equipped with. The payment processing information management means includes information on a position where payment is made using a payment card as information on a payment occasion where payment is made using a payment card, and conditions for determining the order of positions where payment is made are set. The dynamic payment processing system according to claim 1, wherein the payment occasion information is stored. The payment processing information management means includes information on the contents of card usage for making payments using a payment card as information on payment occasions for making payments using a payment card, and conditions that determine the order of the contents of card usage. The dynamic settlement processing system according to claim 1 or 2, wherein the settlement occasion information in which is set is stored. The payment processing information management means includes information on the content of card usage for making payments using other payment cards as information on payment occasions for making payments using payment cards, and determines the order of payment cards to be used. The dynamic settlement processing system according to any one of claims 1 to 3, wherein the settlement occasion information in which the conditions are set is stored. The dynamic payment processing system according to any one of claims 1 to 4, wherein the payment processing information includes a process of changing the degree of proof that the user is a payment card user. The dynamic payment processing system according to any one of claims 1 to 5, wherein the payment processing information includes a process of changing a discount rate for a payment amount using a payment card. The dynamic payment processing system according to any one of claims 1 to 6, wherein the payment processing information includes a process of changing the usage limit of electronic money when the payment card is an electronic money card. The dynamic payment processing system according to any one of claims 1 to 7, wherein the payment processing information includes a process of changing the interest rate of a prize refund generated by a game machine at a casino facility.

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