JP2023138756A - Information processing device, terminal device, information processing method and program - Google Patents

Abstract

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

Description

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

Non-cash payment methods such as credit cards and electronic money are widely used when paying for products and services. Additionally, point services that award points as benefits to customers who use stores have become popular.

Non-cash payments have benefits for consumers, such as not having to carry cash, making it easier to manage spending, and receiving rewards based on the amount spent. Point services also have benefits for consumers, such as being able to use the points they have accumulated as part of the purchase price and receiving gifts and services based on the number of points they have accumulated.

For stores, the use of non-cash payments or point services has many benefits, such as differentiating themselves from other stores, attracting customers who want to use non-cash payments or point services, and preventing customer turnover by rewarding loyal customers. There are benefits.

Here, when using non-cash payments, member stores are required to pay member store fees to the business providing the payment system. Generally, for each payment, a commission is calculated by multiplying the transaction value related to the payment by a preset commission rate, and is charged to the member store.

Similarly, when using a point service, a member store is required to pay a member store fee to the business providing the point service. Generally, fees are calculated by multiplying the transaction value or the number of points awarded for each payment by a preset fee rate, and are charged to the member store.

Businesses that provide non-cash payment systems or point-granting systems for point services use such merchant fees as one of their sources of income, and they I hope to see an increase.

However, merchant commission rates in Japan for using non-cash payment systems generally tend to be higher than in other countries, and many stores are currently unable to adopt such non-cash payment methods due to costs. It is.

Under these circumstances, if a store that has already introduced a non-cash payment method introduces a point service in order to attract more customers, it will incur additional fees.

On the other hand, in credit card transactions, there is a known technology that calculates a fee for each member according to the card usage status of the credit card member, rather than a fee rate determined for each member store (for example, see Patent Document 1). .

Japanese Patent Application Publication No. 2002-197382

However, with the technology of Patent Document 1, once a credit card payment system is introduced, although it has the effect of helping member stores strive to acquire high-quality customers in the hope of reducing commission rates, it is difficult to consider the introduction of a payment system. At this stage, it is difficult to predict the effect of reducing commission rates, and the problem remains that it is difficult to introduce the system. Furthermore, the problem of increased fee burden due to the combined use of point services has not been resolved.

This invention was made with attention to the above circumstances, and its purpose is to reduce the burden of fees on the store side by using both non-cash payment processing and point processing in commercial transactions, The objective is to provide technology to promote the use of processing.

In order to solve the above-mentioned problems, a first aspect of the present invention is an information processing device that calculates a fee to be charged to a store that can perform both non-cash payment processing and point processing related to commercial transactions. A rate information storage medium that stores different commission rates set in advance in association with whether or not the above-mentioned point processing is used together; A transaction data acquisition unit that acquires transaction data including additional information indicating whether or not the point processing is used in combination from the terminal of the store; a commission calculation unit that reads a corresponding commission rate from the rate information storage medium and calculates a commission to be charged to the store based on the commission rate and the payment information included in the acquired transaction data; and an output section that outputs information representing the fees charged.

A second aspect of the present invention resides in an information processing device that calculates a fee related to the credit payment processing and the point processing, which is imposed on a store that can perform both the credit payment processing and the point processing related to commercial transactions. A rate information storage medium that stores different commission rates set in advance in association with whether or not combined processing is used; price information representing the transaction price subject to credit payment processing for each of the above-mentioned commercial transactions; and Regarding commercial transactions, there is a transaction data acquisition unit that acquires transaction data including additional information indicating whether or not the above-mentioned credit payment processing and the above-mentioned point processing are used together from the terminal of the above-mentioned store, and a display based on the additional information included in the acquired transaction data. The corresponding fee rate is read from the fee rate information storage medium depending on whether or not the transaction data is used in combination, and the fee related to the credit payment processing is calculated based on the fee rate and the price information included in the acquired transaction data. The present invention includes a fee calculation unit that calculates the fee, and an output unit that outputs information representing the calculated fee.

A third aspect of the present invention is that the rate information storage medium stores a first commission rate set corresponding to the case where the credit payment process and the point process are not used together, and the credit payment process and the point process. and a second commission rate set to a lower value than the first commission rate, and the commission calculation unit stores the commission rate read from the rate information storage medium. The transaction price represented by the price information is multiplied by the above-mentioned price information to calculate the commission to be charged to the store.

A fourth aspect of the present invention is an information processing device that calculates a fee related to the point processing that is imposed on a store that can perform both the credit payment processing and point processing related to commercial transactions. a rate information storage medium that stores different commission rates set in advance in association with whether or not they are used in combination; price information representing the transaction value of the transaction for each of the above-mentioned commercial transactions; and information regarding the granting of points related to the transaction. a transaction data acquisition unit that acquires transaction data including point processing information including point processing information and additional information indicating whether or not the credit payment processing and the point processing are used together for the commercial transaction from a terminal in the store; The corresponding commission rate is read from the rate information storage medium according to the presence or absence of the combination indicated by the additional information included in the transaction data, and the commission rate, the price information included in the acquired transaction data, and the point processing are processed. The present invention includes a fee calculation unit that calculates a fee related to the point processing based on at least one of the information, and an output unit that outputs information representing the calculated fee.

A fifth aspect of the present invention is that the rate information storage medium stores a first commission rate set corresponding to a case where the credit payment process and the point process are not used together, and the credit payment process and the point process. and a second commission rate set to a lower value than the first commission rate, and the commission calculation unit stores the commission rate read from the rate information storage medium. The fee related to the point processing is calculated by multiplying the transaction value represented by the price information or the number of points awarded based on the point processing information by the rate.

A sixth aspect of the present invention is that a fee to be imposed on a store that can use both non-cash payment processing and point processing related to commercial transactions is set in advance in association with whether or not the above-mentioned non-cash payment processing and point processing are used together. A terminal device installed in the store, which is used with an information processing device that calculates using different commission rates, includes a payment information acquisition unit that acquires payment information regarding the payment of the transaction for each transaction; a combination determination unit that determines whether or not the non-cash payment process and the point process are used together for each commercial transaction; The present invention is configured to include a payment data generation section that generates payment data including additional information representing additional information, and an output section that outputs the generated payment data.

According to a first aspect of the present invention, in an information processing device that calculates a fee to be charged to a store that can perform both non-cash payment processing and point processing related to a commercial transaction, payment information regarding the payment of the commercial transaction for each commercial transaction; Transaction data including additional information indicating whether non-cash payment processing and point processing are used together is obtained from the store terminal, and the payment information included in the transaction data is associated with whether non-cash payment processing and point processing are used together. The above-mentioned fee is calculated based on the fee rate set in advance. In this way, by setting different commission rates depending on the additional information indicating whether non-cash payment processing and point processing are used together, it is possible to reduce the fees charged by stores when non-cash payment processing and point processing are used together. The burden can be appropriately and easily reduced, and the use of non-cash payment processing and point processing can be promoted.

According to the second aspect of the invention, in an information processing device that calculates a fee related to credit payment processing, information representing a transaction amount to be subject to credit payment processing for each commercial transaction, and a credit card for the commercial transaction are provided. Transaction data including additional information indicating whether payment processing and point processing are used together is acquired from the store terminal, and information representing the transaction value included in the transaction data is associated with whether credit payment processing and point processing are used together. The fee for the credit card payment process is calculated based on the preset fee rate. In this way, by setting a different fee rate for calculating the fee related to credit payment processing depending on the additional information indicating whether credit payment processing and point processing are used together, it is possible to By using cash payment processing and point processing together, the burden of fees on stores can be appropriately and easily reduced, and the use of non-cash payment processing and point processing can be promoted.

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

According to the fourth aspect of the present invention, in an information processing device that calculates a fee related to point processing, for each commercial transaction, value information representing the transaction value related to the commercial transaction, point processing information regarding the granting of points, and Transaction data including additional information indicating whether credit payment processing and point processing are used together is acquired from the store terminal, and transaction data including at least one of price information and point processing information and whether credit payment processing and point processing are used together is acquired from the store terminal. The fee related to point processing is calculated based on the fee rate set in advance in association with the fee rate. In this way, by setting a different fee rate for calculating the fee related to point processing depending on the additional information indicating whether credit card payment processing and point processing are used together, it is possible to By using payment processing and point processing together, the burden of fees on stores can be appropriately and easily reduced, and the use of non-cash payment processing and point processing can be promoted.

According to the fifth aspect of the present invention, when calculating the fee related to point processing imposed on a store, for commercial transactions in which credit payment processing and point processing are used together, for commercial transactions in which credit payment processing and point processing are not used together, A second commission rate set to a lower value than the first commission rate is applied. Further, the commission is calculated by multiplying the transaction value or the number of points awarded by this commission rate. Therefore, when point processing is used together with credit card payment processing, it is possible to reduce the burden of duplicate fees imposed on the store. In addition, since fees are calculated by multiplying the transaction value or the number of points awarded by the commission rate, it is easy to understand the effect of reducing commissions due to a reduction in the commission rate, encouraging stores to use credit card payment processing and point processing. becomes possible.

According to the sixth aspect of the present invention, a fee to be charged to a store that can use both non-cash payment processing and point processing for commercial transactions is calculated using different fee rates set in advance in association with whether or not the combination is used. In a terminal device installed in a store that is used together with an information processing device, payment information regarding the payment is acquired for each of the above-mentioned commercial transactions, it is determined whether non-cash payment processing and point processing are to be used together, and an addition indicating whether or not the combination is used is determined. Payment data including information and payment information is generated and output. As a result, it is possible to perform fee calculation processing in the information processing device using payment data output from a terminal device installed in a store with a relatively simple configuration without requiring complicated setting changes.

That is, according to each aspect of the present invention, it is possible to provide a technique that can reduce the burden of fees on the store side by using both non-cash payment processing and point processing in commercial transactions.

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

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

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

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

The payment system provider PA includes all companies that provide non-cash payment systems, such as credit card companies and electronic money companies. The payment system provider PA includes a payment provider server PASV and a transaction database PAD.

The payment provider server PASV is composed of a server computer or a personal computer operated by the payment system provider PA. In order to provide a non-cash payment system, the payment provider server PASV receives payment data sent from the store terminal STT and performs payment processing with the store ST and customer CS. The payment provider server PASV according to the first example can include the information processing device 1 according to an embodiment of the present invention. The information processing device 1 will be described in more detail later.

The transaction database PAD includes a transaction database that links payment data sent from each store terminal STT with each store ST, a member store database that stores various information regarding each store ST, and an identification number of each member as a customer. , a member database that stores personal information, card numbers, payment details, payment history, etc.

The point operator SP provides a point service (point granting system) that issues points unique to each store or points common to multiple stores and gives them to customers in accordance with the use of the store, such as visiting the store or making payments. It is a business that operates. The point provider SP includes a point server SPSV and a point database SPD.

The point server SPSV is configured by a server computer or a personal computer operated by the point provider SP. In order to provide a point granting system, the point server SPSV receives point processing data transmitted from the store terminal STT and performs point settlement processing between the store ST and the customer CS.

The point database SPD includes a transaction database that links the point processing data sent from each store terminal STT with each store ST, a member store database that stores various information regarding each store ST, and a member store database that stores various information regarding each store ST, and a member store database that stores various information regarding each store ST. It is equipped with a member database that stores identification numbers, personal information, point history information, etc.

The store terminal STT is a POS (Point of Sale) terminal installed in the store ST, a communication terminal that operates in cooperation with the POS terminal, or a mobile information terminal used in place of the POS terminal. The store terminal STT can include a terminal device 100 according to an embodiment of the present invention. The terminal device 100 will be described in more detail later.

Note that the store terminal STT may be a device that manages a plurality of POS terminals within the store ST. Further, the store ST is not limited to a physical store, and may be a non-store type such as an online shop. When the store ST is an online shop, the store terminal STT can be implemented as a sales management application having functions similar to a POS terminal.

In reality, a large number of terminals from a large number of member stores are connected to the payment service provider server PASV of the payment system provider PA and the point server SPSV of the point service provider SP, but for convenience, in Figure 1, only 1 is connected. Only one store terminal STT of one store ST is shown. Similarly, although only one customer CS is shown in FIG. 1 for convenience, there may actually be many customer CSs. In addition, in reality, the payment system provider PA often processes payments through a payment agent without directly communicating with the member store ST; will be omitted from the explanation. The outline of the process will be explained below, assuming that the payment system provider PA in FIG. 1 is the credit card company PA.

In the system shown in FIG. 1, it is assumed that the customer CS selects credit card payment to pay for products or services at the store ST. The store terminal STT can be installed, for example, by a clerk at the store ST operating a code reader attached to the store terminal STT to read a product identification barcode affixed to the product, or by a store clerk using the keyboard attached to the store terminal STT. Information related to transactions is obtained by inputting product information via . The product information includes the type, name, unit price, quantity, etc. of the product or service. Further, the store terminal STT acquires information on the credit card used for payment by, for example, having a clerk at the store ST read the IC chip or magnetic stripe of the credit card presented by the customer CS using a card reader ( Arrow S1).

The store terminal STT performs processing for sales management and inventory management based on the acquired product information and credit card information, as well as processing for sending to the payment provider server PASV of the credit card company PA for settlement. Generate payment data. For example, for each payment (transaction), the store terminal STT collects information that identifies the payment such as a serial number, the date and time of the payment, the transaction value, credit card information (card number, expiration date, security code, etc.), and Generate and accumulate payment data including payment information such as payment method (lump sum payment/installment payment/revolving payment), aggregate the accumulated payment data for a certain period or a certain amount, and send it to the credit card company for settlement. It is sent to the PA's payment provider server PASV (arrow S2).

When the payment provider server PASV receives the payment data sent from the store terminal STT, it adds the identification information of the store ST and stores it in the transaction database PAD as transaction data, while linking it to the credit card information as shown below. Invoices are made to the assigned customer CS, and preparations are made for payment to the store ST as an affiliated store.

First, the payment provider server PASV refers to the member database and bills the customer CS according to the contract details and payment method of each customer CS (arrow S3). On the other hand, the customer CS pays the billed amount to the credit card company PA by transfer or debiting from the bank account (arrow S4). Note that the steps S3 and S4 indicated by dotted lines are not essential to the processing of the information processing apparatus 1 according to this embodiment.

On the other hand, for the store ST, the payment provider server PASV sends payment data to the store ST based on the member store database in parallel with the steps S3 and S4 or at an appropriate timing after the steps are completed. A process of paying the billed amount based on is performed (arrow S5). At this time, the amount obtained by subtracting the fee to be charged to the member store of the non-cash payment system from the billed amount will be paid to the store ST.

Similarly, in the system shown in FIG. 1, it is assumed that the customer CS further expresses his/her intention to use a point service and presents a point card when purchasing the above-mentioned product. The store terminal STT, for example, allows a store clerk at the store ST to read the IC chip, magnetic stripe, QR code (registered trademark), etc. of the point card by operating a card reader, scanner, etc. attached to the store terminal STT. Acquire information (arrow S1).

The store terminal STT generates point processing data including point processing information that associates the obtained point card information with the product information obtained above, and transmits it to the point server SPSV of the point company SP (arrow S6). Point processing data includes, for example, information that identifies the payment such as the serial number for each payment, the date and time of the payment, information that identifies the target customer (membership ID, point card number, etc.), points such as the type of points, etc. It includes processing information and product information such as the name, type, and transaction price of the product related to the transaction.

When the point server SPSV receives the point processing data sent from the store terminal STT, it assigns identification information of the store ST and stores it in the point database SPD as transaction data. and processes for the store ST as a member store.

The point server SPSV first calculates the number of points to be awarded to the customer CS based on the point processing data based on predetermined conditions. Next, the point server SPSV reads the point balance of the customer CS from the member database, generates point award data including the calculated number of points awarded, the point type, and the point balance after addition, and sends it to the store terminal STT. (arrow S7). The store terminal STT that has received the point allocation data generates output data based on the received point allocation data, prints it on a receipt to be handed to the customer CS, outputs it, or displays it on a display and presents it to the customer CS. do. The point server SPSV also stores the calculated number of points awarded and the point balance after addition in the point database SPD in association with the member database or transaction data.

The point server SPSV also reads the point processing data accumulated in the point database SPD every fixed period or fixed amount, and calculates the point fee to be charged to the store ST according to the transaction value or the number of points awarded. The calculated point fee is billed to the store ST together with, for example, a fixed monthly usage fee.

In one embodiment, when non-cash payment and point service are used together in a single commercial transaction (payment), the payment data sent by the store terminal STT to the payment provider server PASV for payment is Additional information is added. Upon receiving the payment data, the payment provider server PASV calculates the fee by determining the presence or absence of the above additional information for each payment and applying a different fee rate depending on the presence or absence of the additional information. do. Here, the "commission rate" refers to a value applied when calculating a commission, and is expressed, for example, as a percentage (%) of the amount or an amount converted to points (yen/point).

The outline of the processing is shown in Figure 1 even when the payment system provider PA is an electronic money business (pre-payment type/post-payment type) or debit card (immediate payment type). This can be explained using the same flow as above.

Regarding arrow S2, the store terminal STT may transmit payment data to the payment provider server PASV in real time for each payment, or may accumulate payment data and send it periodically, for example, every week. Alternatively, the information may be sent to the payment provider server PASV in batches, such as for each month. Similarly, regarding arrow S5, the payment provider server PASV may calculate a fee for each payment each time it receives payment data from the store terminal STT, and may impose a fee on the store terminal STT for each payment. For example, each time one week's worth of payment data is received from the terminal STT, the fee may be calculated for each week, or the fee may be calculated on a monthly basis by receiving and accumulating one week's worth of payment data from the store terminal STT. A fee may also be calculated.

Similarly, with respect to arrow S6, the store terminal STT may transmit point processing data to the point operator server SPSV in real time for each payment, or may accumulate point processing data and periodically send it, for example, to the point processing data. The information may be sent to the point provider server SPSV in batches, such as weekly or monthly. Similarly, regarding arrow S7, the point provider server SPSV may calculate a fee for each payment each time it receives point processing data from the store terminal STT, and may impose a fee on the store terminal STT for each payment. For example, each time one week's worth of point processing data is received from the store terminal STT, the fee may be calculated for each week, or the point processing data for one week is received from the store terminal STT and accumulated. The fee may be calculated on a monthly basis.

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

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

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

An input device 102 and a display device 103 attached to the terminal device 100 are connected to the input/output interface 112 . The input/output interface 12 receives operation data input by an operator through an input device 102 such as a keyboard, touch panel, or mouse, and displays display data generated by the terminal device 100 on a display device using a liquid crystal or organic EL (Electro Luminescence). 103 for display. The input device 102 can also include a card reader, code reader, scanner, etc. connected to the store terminal STT. The input device 102 and the display device 103 may be a device built into the terminal device 100, or may be an input device and a display device of another information terminal that can communicate via the network NW.

The communication interface 111 includes, for example, one or more wired or wireless communication interfaces, and enables information to be sent and received to and from external devices. As the wired interface, for example, a wired LAN is used, and as the wireless interface, for example, an interface that adopts a low power wireless data communication standard such as a wireless LAN or Bluetooth (registered trademark) is used.

The communication interface 111 performs data transmission between the payment provider server PASV and the point server SPSV according to a communication protocol defined by the network NW. The communication protocol used is, for example, TCP/IP (Transmission Control Protocol/Internet Protocol), but is not limited to this.

The program memory 120B uses a combination of a non-volatile memory such as a HDD (Hard Disk Drive) or an SSD (Solid State Drive) that can be written to and read from at any time, and a non-volatile memory such as a ROM as a storage medium. It stores programs necessary for executing various control processes according to one embodiment.

The data memory 130 is a storage medium that uses a combination of a nonvolatile memory such as an HDD or SSD that can be written to and read from at any time, and a volatile memory such as a RAM (Random Access Memory). It is used to store various data acquired and created in the process of performing various information processing including calculations.

(ii) Software Configuration FIG. 3 is a block diagram showing the software configuration of the terminal device 100 according to an embodiment of the present invention in association with the hardware configuration shown in FIG. 2.

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

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

The control unit 120 is composed of the hardware processor 120A and the program memory 120B, and includes a payment information acquisition unit 121, a payment data generation unit 122, a combination determination unit 123, and an output control function as software processing function units. 124. These functional units are realized by causing the hardware processor 120A to execute programs stored in the program memory 120B. Control unit 120 may also be implemented in a variety of other forms, including integrated circuits such as application specific integrated circuits (ASICs) and field-programmable gate arrays (FPGAs).

The payment information acquisition unit 121 collects information such as the date and time of payment, transaction amount, credit card information, payment method, etc. for each transaction from the store terminal STT or through a code reader, barcode scanner, etc. as the input device 102. A process is performed to acquire payment information related to and store it in the payment information storage unit 131.

The payment data generation unit 122 reads the payment information stored in the payment information storage unit 131 and performs processing to generate payment data to be sent to the business server PASV of the credit card company PA for payment.

The combination determination unit 123 determines for each transaction whether or not a credit card and point service are used together, adds additional information based on the determination result to the payment data generated by the payment data generation unit 122, and The process of passing the data to the output control unit 124 is performed.

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

(1-1-3) Information Processing Device (i) Hardware Configuration FIG. 4 is a block diagram showing an example of the hardware configuration of the information processing device 1 according to an embodiment of the present invention. The information processing device 1 is used as part of the payment provider server PASV. Alternatively, the information processing device 1 may be implemented as a separate device that functions in cooperation with the payment provider server PASV.

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

An input device 2 and a display device 3 attached to the information processing apparatus 1 are connected to the input/output interface 12 . The input/output interface 12 takes in operation data input by an operator through an input device 2 such as a keyboard, touch panel, or mouse, and outputs display data generated by the information processing device 1 to a display device 3 using a liquid crystal, organic EL, etc. Perform the processing to display it. Note that the input device 2 and the display device 3 may be devices built into the apparatus 1, or may be input devices and display devices of other information terminals that can communicate via the network NW.

The communication interface 11 includes, for example, one or more wired or wireless communication interfaces, and enables information to be sent and received with external devices. As the wired interface, for example, a wired LAN is used, and as the wireless interface, for example, an interface that adopts a low power wireless data communication standard such as a wireless LAN or Bluetooth is used.

The communication interface 11 performs data transmission with the store terminal STT according to a communication protocol defined by the network NW. For example, TCP/IP is used as the communication protocol, but it is not limited to this.

The program memory 20B is a storage medium that uses a combination of a non-volatile memory such as an HDD or an SSD that can be written to and read from at any time, and a non-volatile memory such as a ROM. Stores the programs necessary to execute the process.

The data memory 30 is a storage medium that uses a combination of a nonvolatile memory such as an HDD or SSD that can be written to and read from at any time, and a volatile memory such as a RAM. It is used to store various data acquired and created in the process of information processing.

(ii) Software Configuration FIG. 5 is a block diagram showing the software configuration of the information processing device 1 according to an embodiment of the present invention in association with the hardware configuration shown in FIG. 4.
The storage area of the data memory 30 is provided with a transaction data storage section 31, a rate information storage section 32, and a fee storage section 33.

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

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

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

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

The control unit 20 is composed of the hardware processor 20A and the program memory 20B, and includes a transaction data acquisition section 21, an additional information extraction section 22, a rate information acquisition section 23, and a fee information acquisition section 20 as software processing function sections. It includes a calculation section 24 and an output control section 25. These functional units are realized by causing the hardware processor 20A to execute programs stored in the program memory 20B. Control unit 20 may also be implemented in a variety of other forms, including integrated circuits such as ASICs and FPGAs.

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

The additional information extraction unit 22 extracts value information representing the transaction value for each payment (transaction) from the transaction data stored in the transaction data storage unit 31, and also performs a process of determining the presence or absence of additional information associated with the value information. I do. The additional information extraction section 22 also performs a process of extracting the additional information when the additional information exists, and passing information indicating this to the rate information acquisition section 23 when the additional information does not exist. The additional information extraction unit 22 also performs a process of passing the extracted price information to the fee calculation unit 24.

The rate information acquisition unit 23 reads the corresponding commission rate from the commission rate table stored in the rate information storage unit 32 based on the information received from the additional information extraction unit 22, and performs processing to pass it to the commission calculation unit 24. .

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

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

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

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

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

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

Next, in step S103, under the control of the control unit 120, the terminal device 100 causes the payment data generation unit 122 to read out the payment information stored in the payment information storage unit 131, and generates payment data to be transmitted to the business server PASV. generate. The payment data is generated according to a data format specified in advance by the credit card company PA.

In step S104, under the control of the control unit 120, the terminal device 100 determines whether the combination determination unit 123 matches the preset combination conditions, that is, whether or not the point service was used in conjunction with the credit card payment. Determine. In one embodiment, the combination determination unit 123 includes specific credit card information related to a specific credit card company PA and specific points related to a specific point provider SP in payment information related to a single commercial transaction. If both the card information and card information are included, it is determined that the combination condition is met. If it is determined that the combined use condition is met, the process moves to step S105, and if it is determined that the combination condition does not match, the process moves to step S106.

In step S105, in the terminal device 100, under the control of the control unit 120, the combination determination unit 123 adds additional information indicating that the combination condition is satisfied to the payment data generated by the payment data generation unit 122. Additional information can be added using any method. For example, if a free space exists in the data format for payment data, a specific value is set in this free space and this value is shared between the terminal device 100 and the payment provider server PASV, so that the data format for payment data can be used in combination. It can be used as additional information indicating that the condition is met.

Next, in step S106, under the control of the control unit 120, the output control section 124 of the terminal device 100 outputs the payment data with or without additional information added.

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

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

In one embodiment, the information processing device 1 monitors the presence or absence of a trigger for starting fee calculation processing in step S201. In this state, for example, when the operator inputs a request to instruct fee calculation through the input device 2 and receives this request as a start trigger, the information processing device 1 executes the fee calculation process as follows. .

First, in step S<b>202 , under the control of the control unit 20 , the information processing device 1 reads necessary transaction data from the transaction database PAD by the transaction data acquisition unit 21 and stores it in the transaction data storage unit 31 . The transaction data acquisition unit 21 accesses the transaction database PAD, for example, and extracts the identification information of the store ST specified by the operator and transaction data corresponding to the specified period. Each record included in the transaction data corresponds to a unit payment related to a unit commercial transaction, and includes at least date and time information and transaction value information related to the commercial transaction. Note that the transaction data acquisition unit 21 may acquire payment data from the store terminal STT via the network NW, and use this payment data as transaction data for use in calculating the commission. In this case, the transaction data acquisition unit 21 adds identification information of the store ST to the acquired payment data and stores it in the transaction data storage unit 31.

Next, in step S203, under the control of the control unit 20, the information processing device 1 uses the additional information extraction unit 22 to read the record stored in the transaction data storage unit 31, and identifies the information identifying the payment and the store ST. Transaction value information is extracted together with the information and passed to the fee calculation unit 24.

In step S204, under the control of the control unit 20, the information processing device 1 uses the additional information extraction unit 22 to determine whether or not additional information exists in the record read from the transaction data storage unit 31 in step S203. If it is determined that there is no additional information, the process moves to step S206.

On the other hand, if it is determined in step S204 that there is additional information, the information processing device 1 moves to step S205, where the additional information extraction section 22 extracts the additional information and passes it to the rate information acquisition section 23. In one embodiment, the additional information is identified as a value set in a free area of a data format specified in advance between the credit card company PA and the store ST. The additional information extraction unit 22 extracts this value as additional information and passes this value to the rate information acquisition unit 23.

In step S206, under the control of the control unit 20, the information processing device 1 causes the rate information acquisition unit 23 to calculate the rate information based on the identification information of the store ST and the presence or absence of additional information (or the value extracted as the additional information). , the rate information representing the corresponding commission rate is obtained from the commission rate table stored in the rate information storage unit 32. The commission rate table may be a data table set individually for each store ST, or may be a data table set commonly for each store type. Alternatively, the rate information acquisition unit 23 may acquire rate information from another database managed by the credit card company PA. Alternatively, the rate information acquisition unit 23 may acquire rate information by accessing a database that stores a fee rate table shared among a plurality of credit card companies PA, which is collectively managed by another business operator (not shown). You can also do this.

The commission rate is set to a different value depending on the additional information. In one embodiment, when there is additional information, that is, when a point service is used in conjunction with credit card payment, the commission rate is set to be lower than when there is no additional information.

FIG. 8A shows an example of a commission rate table stored in the rate information storage unit 32. This commission rate table is set for a specific member store (ID=B00XX01), and the presence or absence of additional information is classified as "Y (with additional information)" or "N (no additional information)", and each The fee rate to be applied in each case is indicated. In the example of FIG. 8A, if the additional information is "Y", the point service was used along with the credit card payment, so in order to reduce the burden on the member store, the fee rate applied to calculate the credit card fee is set to 2. It is set at 8%. On the other hand, if the additional information is "N", the credit card payment was made but the point service was not used, so the standard commission rate of 3.5% will be applied as is.

FIG. 8B shows another example of the commission rate table stored in the rate information storage unit 32. This commission rate table is set for a specific member store (ID=B00XX05), and the additional information is divided into "Condition 1", "Condition 2", and "N/A (not applicable)", and in each case, The applicable commission rate is indicated. For example, "Condition 1" is set when a point service is used along with credit card payment, and points are awarded at a predetermined award rate according to the transaction value, and "Condition 2" is set when a point service is used along with credit card payment. is used, but bonus points unrelated to the transaction value are awarded, and "N/A" is set as a case where the point service is not used together with credit card payment. Such condition division is achieved by setting different "values" in the free space when "Condition 1" and "Condition 2" are met when the terminal device 100 generates payment data. This can be easily implemented by sharing the value with the credit card company PA. According to this method, more detailed conditioning is possible by setting a plurality of conditions.

By setting the above-mentioned fee rate table in advance, for member stores, at least the amount of fees charged by the credit card company PA will be reduced for transactions where point services are used in addition to credit card payments. . Therefore, by presenting the above-described fee rate table, it is possible to provide an incentive to member stores of the credit card payment system to further introduce the point service. Moreover, as shown in FIG. 8B, by setting and presenting detailed conditions for each store according to its business form, it is possible to further encourage stores ST to introduce point services.

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

In one example, the fee calculation unit 24 calculates the member store fee for each payment by multiplying the transaction value obtained from the price information by the fee rate. For example, if the transaction price is 10,000 yen and the obtained commission rate is 3.0%, the calculation is 10,000 yen x 0.03 = 300 yen.

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

In step S208, the information processing device 1 creates output data based on the information read from the fee storage unit 33 by the output control unit 25 under the control of the control unit 20, and outputs the output data to the communication interface 11 or the input/output interface. 12. For example, the output control unit 25 reads transaction data for each store ST including information on calculated fees at regular intervals, and calculates the amount obtained by subtracting the total amount of fees from the total amount billed from the store ST as payment to the store ST. Generate output data to present as an amount. Then, this output data can be transmitted to the store ST via the network NW, and can also be output to the display device 3 and presented to the operator. The operator who receives the information can perform any process such as making a payment to the store ST or checking the remittance details.

Note that the processing in steps S201 to S208 above may be performed on any data unit at any timing. For example, the start of the fee calculation process described in step S201 does not need to be in response to an instruction from the operator, but the internal timer of the information processing device 1 may generate a trigger at regular intervals, and the trigger Accordingly, the process may be started periodically, or may be executed every time data is received from the store terminal STT. Alternatively, the payment provider server PASV monitors the data accumulated in the transaction database PAD, and starts commission calculation processing for the information processing device 1 every time a certain amount of data for which commissions are not calculated is accumulated. You may also instruct them to do so.

[Example 2]
In the first embodiment, the information processing device 1 is described as being implemented as a part of the payment provider server PASV of the credit card company PA. However, the information processing device 1 may be implemented as part of the point server SPSV of the point provider SP. The information processing device 1 according to the second embodiment will be described with a focus on the differences from the first embodiment.

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

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

(ii) Software Configuration The information processing device 1 according to the second embodiment can employ the same software configuration as that described in connection with the first embodiment with reference to FIG. The specific functions of each functional unit that are different from those in the first embodiment will be described below.

The transaction data acquisition unit 21 accesses the point database SPD, acquires transaction data to be subjected to fee calculation processing, and stores the transaction data in the transaction data storage unit 31.

The additional information extracting unit 22 extracts value information representing the transaction value or the associated number of points awarded for each payment (transaction) from the transaction data stored in the transaction data storage unit 31, and extracts the associated additional points. Performs processing to determine the presence or absence of information. The additional information extraction section 22 also performs a process of extracting the additional information when the additional information exists, and passing information indicating this to the rate information acquisition section 23 when the additional information does not exist. The additional information extraction section 22 also performs a process of passing the extracted value information or the number of points awarded to the fee calculation section 24.

The rate information acquisition unit 23 reads the corresponding commission rate from the commission rate table stored in the rate information storage unit 32 based on the information received from the additional information extraction unit 22, and performs processing to pass it to the commission calculation unit 24. .

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

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

(2-2) Operation Next, the information processing operation of the information processing apparatus 1 configured as described above will be described with reference to FIG. 7, as in the first embodiment.
Note that the terminal device 100 used in conjunction with the information processing device 1 of the second embodiment performs almost the same operation as the terminal device 100 described in the first embodiment. However, the point processing data that the terminal device 100 transmits to the point provider SP is generated according to a data format specified in advance by the point provider SP. Then, as in the first embodiment, when the combination determination unit 123 of the terminal device 100 determines that the payment information related to a single commercial transaction includes both specific point card information and specific credit card information Then, the payment data generation unit 122 sets a specific value in the free area of the point processing data.

As in the first embodiment, the information processing device 1 monitors whether there is a trigger to start the fee calculation process in step S201. In this state, for example, when the operator inputs a request to instruct fee calculation through the input device 2 and receives this request as a start trigger, the information processing device 1 executes the fee calculation process as follows. .

First, in step S202, under the control of the control unit 20, the information processing device 1 reads necessary transaction data from the point database SPD using the transaction data acquisition section 21, and stores it in the transaction data storage section 31. The transaction data acquisition unit 21 accesses the point database SPD, for example, and extracts the identification information of the store ST specified by the operator and the transaction data corresponding to the specified period. Each record included in the transaction data corresponds to a unit payment related to a unit commercial transaction, and includes date and time information related to the commercial transaction, transaction value information, information for identifying a point member, the number of points awarded, and the like. Note that the transaction data acquisition unit 21 may acquire payment data from the store terminal STT via the network NW, and use this payment data as transaction data for use in calculating the commission. In this case, the transaction data acquisition unit 21 adds identification information of the store ST to the acquired payment data and stores it in the transaction data storage unit 31.

Next, in step S203, under the control of the control unit 20, the information processing device 1 uses the additional information extraction unit 22 to read the record stored in the transaction data storage unit 31, and identifies the information identifying the payment and the store ST. The number of points awarded or transaction value information is extracted together with the information and passed to the fee calculation unit 24.

In step S204, under the control of the control unit 20, the information processing device 1 uses the additional information extraction unit 22 to determine whether or not additional information exists in the record read from the transaction data storage unit 31 in step S203. If it is determined that there is no additional information, the process moves to step S206.

On the other hand, if it is determined in step S204 that there is additional information, the information processing device 1 moves to step S205, where the additional information extraction section 22 extracts the additional information and passes it to the rate information acquisition section 23. In one embodiment, the additional information is identified as a value set in a free space of a data format specified in advance between the point provider SP and the store ST. The additional information extraction unit 22 extracts this value as additional information and passes this value to the rate information acquisition unit 23.

In step S206, under the control of the control unit 20, the information processing device 1 causes the rate information acquisition unit 23 to calculate the rate information based on the identification information of the store ST and the presence or absence of additional information (or the value extracted as the additional information). , the rate information representing the corresponding commission rate is obtained from the commission rate table stored in the rate information storage unit 32. The commission rate table may be a data table set individually for each store ST, or may be a data table set commonly for each store type. Alternatively, the rate information acquisition unit 23 may acquire rate information from another database managed by the point provider SP. Alternatively, the rate information acquisition unit 23 may acquire rate information by accessing a database that stores a commission rate table shared among a plurality of point business operators SP, which is collectively managed by another business operator (not shown). You can also do this.

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

For example, as shown in Figure 8A, if a credit card is used together with the point service (Y (with additional information)), the fee will be lower than if it is not used together (N (no additional information)). rate will be applied to calculate the Points Service Fee.

In addition, when setting multiple conditions as shown in FIG. 8B, for example, "Condition 1" is set as a case in which a credit card payment is used in installments with the presentation of a point card, and "Condition 2" is set as a case where a credit card payment is used for installment payment with the presentation of a point card. This is set as a case where a credit card payment is used for a lump sum payment when a card is presented, and "N/A" is a case where a point card is presented but a credit card payment is not used (payment is made in cash). It is possible to set it as . Such conditioning is achieved by setting different "values" in the free space when "condition 1" and "condition 2" are met when the terminal device 100 generates point processing data. This can be easily implemented by sharing the value with the point provider SP. According to this method, more detailed conditioning is possible by setting a plurality of conditions.

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

By setting the above-mentioned commission rate table in advance, for member stores, at least the amount of commission charged by the point service provider SP will be reduced for transactions where point services are used together with credit card payments. . Therefore, by presenting the commission rate table as described above, it is possible to provide an incentive to point service member stores to further introduce a credit card payment system. Further, as shown in FIG. 8B, by setting and presenting detailed conditions for each store according to its business form, it is possible to further encourage stores ST to introduce a credit card payment system.

Next, in step S207, under the control of the control unit 20, the information processing device 1 uses the fee calculation unit 24 to establish membership based on the number of points awarded or value information extracted in step S203 and the rate information acquired in step S206. Calculate store fees.

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

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

In step S208, the information processing device 1 creates output data based on the information read from the fee storage unit 33 by the output control unit 25 under the control of the control unit 20, and outputs the output data to the communication interface 11 or the input/output interface. 12. In one example, the output control unit 25 reads transaction data for each store ST including information on calculated fees at regular intervals, and generates output data to be presented as the amount charged to the store ST along with a fixed usage fee for the store ST. do. Then, this output data can be transmitted to the store ST via the network NW, and can also be output to the display device 3 and presented to the operator.

Note that, as described in the first embodiment, the processes in steps S201 to S208 may be performed on any data unit at any timing. For example, the start of the fee calculation process described in step S201 does not need to be in response to an instruction from the operator, but the internal timer of the information processing device 1 may generate a trigger at regular intervals, and the trigger Accordingly, the process may be started periodically, or may be executed every time data is received from the store terminal STT. Alternatively, the point server SPSV monitors the data accumulated in the point database SPD, and instructs the information processing device 1 to start the fee calculation process every time a certain amount of data for which fees are not calculated is accumulated. You may also do so.

(effect)
As described in detail above, in one embodiment of the present invention, the information processing device 1 that calculates the fee to be charged to a store ST that can perform both non-cash payment processing and point processing related to commercial transactions is configured to collect payment information for each commercial transaction. , additional information indicating whether non-cash payment processing and point processing are used together, and the fee is calculated based on a preset fee rate that has a different value depending on the additional information. There is.

As a result, store STs that can use both non-cash payment processing and point processing for commercial transactions can simply add up the fees charged for the use of each separately when non-cash payment processing and point processing are used together. You will be charged a different fee than the amount paid. Therefore, store STs that have already introduced either non-cash payment processing or point processing and are considering further introduction of the other, or have not introduced either of them and are considering introducing both processing systems. Incentives can be given to stores ST that are using the system to introduce the system by reducing the burden of fees.

For example, for a store that was already using a point service but was hesitant to introduce credit card payment due to the burden of being charged duplicate fees, a transaction where the point service and credit card payment were used together. If you offer a setting where the commission rate will be reduced, there is a possibility that the store will decide to introduce it. Alternatively, even if a store that has not used point services or credit card payments is considering introducing both systems at the same time, presenting a commission rate table like the one above can help encourage the introduction. Be expected.

In the above embodiment, simple operations such as changing the settings of the commission rate table or setting a specific value in the free space of payment data sent from each store can be performed without requiring complicated system changes. , it is possible to easily reduce the burden of fees on member stores.

[Other embodiments]
Note that this invention is not limited to the above embodiments.
For example, each process explained with respect to FIGS. 1 to 7 above is sequentially processed (continuously processed or The data may be processed in real time (real-time processing), or the acquired data may be accumulated and batch processed at a fixed amount or at fixed time intervals.

Furthermore, the payment system provider PA and the point provider SP may be the same provider. Similarly, the payment provider server PASV and the point server SPSV may be a single integrated device. Alternatively, the payment provider server PASV and the point server SPSV may be able to exchange information via the network NW, and it may be determined whether or not the combination conditions are met by comparing payment data with each other. If the payment provider server PASV and the point server SPSV are a single device, arrows S2 and S6 shown in FIG. 1 can be implemented as a single data flow. Similarly, arrow S5 and arrow S7 may also be a single data flow. In this case, either the merchant fee for non-cash payments or the merchant fee for point services may be reduced depending on the combined conditions, or both merchant fees may be reduced. You can also do this. For example, the rate information acquisition unit 23 of the information processing device 1 reads a plurality of fee rate tables stored in the rate information storage unit 32, and the fee calculation unit 24 calculates a plurality of member store fees simultaneously or in parallel. It can be configured to calculate sequentially. That is, the processing of the information processing device 1 described in relation to the first embodiment and the processing of the information processing device 1 described in relation to the second embodiment may be performed simultaneously, in parallel, or sequentially by a single information processing device 1. can.

Acquisition of information related to transactions by the store terminal STT or the terminal device 100 is not limited to the example shown above. The information may be obtained by reading a JAN code, QR code, electronic tag, etc. using a code reader, electronic tag reader, scanner, etc. attached to the store terminal STT or the terminal device 100, or an image using a camera may be used. Character information may also be acquired through recognition. Alternatively, a store clerk operating the terminal may input information by operating a touch panel or buttons, and obtain the input information.

The "combined use" described above is not limited to cases where the customer expresses his/her intention to use a credit card and point service simultaneously at the time of payment. If there is a time difference, for example, if a credit card linked to the same customer CS and a point service are used at the same store on the same day, the setting may be made to be considered as "combined use".

Further, in the above embodiment, the combination determination unit 123 of the terminal device 100 determines whether or not the combination condition is satisfied based on the information included in the payment information, but the invention is not limited to this. For example, when paying a price at a store terminal STT, when a point card is presented at the same time as credit card payment, the operator of the store terminal STT presses a predetermined button on the POS terminal, and the operator of the store terminal STT presses a predetermined button on the POS terminal. It is also possible to configure so that a flag indicating that the condition is satisfied is set.

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

Furthermore, although the information processing device 1 has been described as reading the commission rate table from the rate information storage section 32 of the data memory 30, the commission rate table may be stored in any storage medium including an external database. There may be.

Furthermore, the commission rate may be different depending on the payment method for each payment data. For example, commission rates may be set to differ depending on whether the payment is a lump sum or a revolving payment, or a combination of cash vouchers and credit cards, whether or not other membership cards are presented, etc. By setting detailed classifications of conditions, various commission rates may be set. Similarly, commission rates may vary depending on the type of points. For example, points are awarded according to the transaction value, points are awarded regardless of the transaction value (store visit points, rainy day points, birth month points, etc.), or campaign points (limited period of use). The classification of combination conditions may be set according to points (points, store-limited points whose use is restricted to stores).

Generally, the payment data sent from the store ST to the credit card company PA for billing does not include detailed product information. However, for payments related to payment data that includes detailed product information, the commission rate may be further reduced. This allows the credit card company PA to additionally obtain so-called POS data, which can be utilized for marketing.

Further, although the information processing device 1 has been described as calculating the fee by acquiring the fee rate for each unit payment, the information processing device 1 is not limited to this. For example, it is also possible to configure a configuration in which multiple payments having the same combination conditions are grouped together, a commission rate is obtained for each group, and the commission is calculated.

Furthermore, non-cash payments are not limited to credit cards and electronic money. The embodiment described above is applicable to all payment systems such as debit card, QR code payment, house electronic money, etc., in which usage fees are charged to member stores.

Similarly, the point service or point granting system is not limited to a system in which points are granted via the point server SPSV as described above. The above embodiments are applicable to any information processing system that employs a similar system. For example, the above embodiment is applicable to an instant point cash back or cash cash back system where processing is completed (or appears to be completed) at a POS terminal or user terminal and does not go through the point server SPSV. Any system that generates member store fees for the use of the information processing system is fully applicable.

Note that the point card used for using the point service is not limited to a tangible card. For example, point card information can be acquired by having the customer CS read a QR code displayed on the display of a mobile terminal owned by the customer CS using a code reader of the store terminal STT. Alternatively, the point card information may be registered only in the store terminal STT. For example, if a customer CS verbally states that he/she is a point member along with his/her name and date of birth, this will be considered as an indication of his/her intention to use the point service, and a flag will be flagged in the payment data by the store clerk inputting it into the store terminal STT. It may also be provided. Alternatively, in the case of online shopping, the fact that the customer has checked the "Accumulate Points" checkbox may be regarded as an expression of intention to use the point service, and it may be determined that the credit card and the point service have been used together.

Furthermore, the use of point services is not limited to those that generate points for the purchase price of products or services. Transactions in which points are awarded depending on the store visit regardless of the price can also be included in the scope of application of the above embodiment, such as consuming points as part of the price, exchanging points for prizes or gift certificates, etc. may also be included in the use of point services.

Note that the functional units 121 to 124 included in the terminal device 100 and the functional units 21 to 25 included in the information processing device 1 are distributed in cloud servers, edge servers, etc., and these devices cooperate with each other to perform processing. You may also do so. Further, the commission rate table may be set arbitrarily through consultation between the credit card company PA and the store ST, or a program or the like may be used to analyze payment data and find an optimal solution.

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

In short, the present invention is not limited to the above-described embodiments as they are, but can be implemented by modifying the constituent elements within the scope of the invention at the implementation stage. Moreover, various inventions can be formed by appropriately combining the plurality of components disclosed in the above embodiments. For example, some components may be deleted from all the components shown in the embodiments. Furthermore, components from different embodiments may be combined as appropriate.

DESCRIPTION OF SYMBOLS 1... Information processing device, 2... Input device, 3... Display device, 11... Communication interface, 12... Input/output interface, 20... Control unit, 20A... Hardware processor, 20B... Program memory, 21... Transaction data acquisition unit, 22... Additional information extraction section, 23... Rate information acquisition section, 24... Fee calculation section, 25... Output control section, 30... Data memory, 31... Transaction data storage section, 32... Rate information storage section, 33... Fee storage section , 50... Bus, 100... Terminal device, 102... Input device, 103... Display device, 111... Communication interface, 112... Input/output interface, 120... Control unit, 120A... Hardware processor, 120B... Program memory, 121... Payment Information acquisition section, 122... Payment data generation section, 123... Combination determination section, 124... Output control section, 130... Data memory, 131... Payment information storage section, 150... Bus, CS... Customer, ST... Store, STT... Store Terminal, NW...Network, PA...Payment system provider, PASV...Payment provider server, PAD...Transaction database, SP...Point provider, SPSV...Point server, SPD...Point database.

Claims (10)

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