JP4659705B2 - Card payment system for home delivery - Google Patents

Description

  The present invention relates to a portable card reader and a card payment system that can determine the price of a product with a card when a delivery company delivers the product to a consumer who ordered the product.

  Due to the rapid development of the Internet, when a consumer orders a product through the Internet or the like, a product purchase form in which the ordered product is delivered to the consumer by courier is increasing.

For example, when shopping at an Internet shopping mall established on the Internet, if there is a product you want to order at a store that is open in the Internet shopping mall, you can apply for the product on the screen of your personal computer. Is delivered to the consumer by courier.
When the product is delivered by courier, for example, the consumer pays cash to the courier at the entrance.

  However, the consumer needs to prepare cash for the price of the product to be delivered in advance. If the customer does not have the cash, the consumer cannot settle the product that has been delivered.

  The present invention has been made in view of the above, and has as its object the provision of a portable card reader and a card payment system that can immediately pay for a product delivered by courier with a credit card. Is.

In the card payment system for home delivery of the present invention, the home delivery company enters into a membership contract with a plurality of credit companies, and also enters into a product price collection contract with a product seller,
The courier pays the merchant the merchandise amount in response to the consumer's credit card payment when the courier delivery person delivers the merchandise to the consumer who ordered the merchandise. A card delivery system for home delivery,
A communication network connecting the home delivery management server of the home delivery company, the payment server of the credit company, the server of the seller and the portable card reader carried by the delivery person,
The portable card reader is
Means for reading card information including credit company information from the credit card; means for inputting the product price; means for reading an invoice number from the invoice of the product; and means for printing a receipt of the product; the invoice number; Transmission means for transmitting the product price and the credit company information to the home delivery management server,
The home delivery management server
Means for storing the seller's customer number in correspondence with the seller's transfer account information in the first storage means;
Means for storing the customer number in a second storage means in association with the invoice number;
Means for storing the received commodity price and the credit company information in correspondence with the invoice number of the second storage means corresponding to the invoice number received from the portable card reader;
The product price includes a freight charge, and includes means for subtracting the freight charge from the product price to calculate the amount of the product ,
By storing the transfer account information of the seller and the credit company information of the consumer in association with the invoice number in the home delivery management server,
The product price including the freight charge is paid from the credit company to the courier, and the amount of the product obtained by subtracting the freight charge from the product price is paid from the courier to the seller. The gist.

  According to the present invention, credit information and package information relating to a plurality of consumers existing in a delivery area are stored, and information on a payment card used for consumer payment is read when a product is delivered to a consumer. With this, you can use the card to pay for the goods delivered by courier. As a result, the consumer who ordered the product can purchase the delivered product using a payment card and enjoy shopping without having prepared cash for the delivered product in advance. , Contributing to consumer convenience and safety.

  A first embodiment of the present invention will be described below with reference to the drawings.

  FIG. 1 is a diagram showing a card payment system according to an embodiment of the present invention.

  As shown in FIG. 1, a portable card reader 22 carried by a delivery company can be connected to a communication terminal 23 via a communication cable 25. In addition, a communication line 35 including a telephone line, an ISDN line, the Internet, and the like includes a communication terminal 23 such as a personal computer provided in the delivery shop B in charge of the area B of the delivery company, and a settlement server provided in the credit company. 37 and a home delivery management server 39 provided in the home delivery company are connected.

  In addition, the parcel delivery management server 39 provided in the parcel delivery company stores the address code, invoice number, merchandise amount and merchandise type as a database in the storage unit 87 as package information from a plurality of collection stores distributed throughout the country. It is remembered. On the other hand, in the payment server 37 provided in the credit company, as credit information of a plurality of consumers residing in the whole country, the card number, expiration date, and address code of the credit card possessed by the consumer are stored in the storage unit 73. Stored as a database.

  Further, the portable card reader 22 can be connected to the communication terminal 23 provided in the delivery shop B, and the credit card credit information collected by the communication terminal 23 and the package information of the courier are read by the portable card. It can be taken in and held in the machine 22.

  Next, as shown in FIG. 2, the portable card reader 22 includes an IC card I / F (interface) unit 45, a card reader 47, a pen reader 49, a keyboard 51, a memory unit 53, a hard disk 54, a control unit 55, A cable I / F unit 57, a display 59, and a printer 61 are included.

  The IC card I / F (interface) unit 45 is an interface to which an IC card used for electronic money can be connected. The card reader 47 reads card information such as a card number, an expiration date, and a credit company name stored as magnetic information in the credit card. The pen reader 49 reads the invoice number from the bar code written on the tag attached to the package. The keyboard 51 inputs character information. The memory unit 53 has an internal RAM for storing a terminal identification number unique to each portable card reader in advance and storing control data.

  The hard disk 54 stores package information about individual packages and card information about individual cards. The control unit 55 has a timer for counting the date and time inside and controls each unit provided in the portable card reader. The cable I / F unit 57 performs information communication with the communication terminal 23 via the communication cable 25. The display 59 displays input contents and messages. The printer 61 prints a receipt when the card payment is completed.

  Then, when a power switch (not shown) provided in the portable card reader 22 is turned on, the control program is read from the memory unit 53 into the control unit 55 and an operation guidance is displayed on the display 59, for example.

  Accordingly, the home delivery company reads the card data by passing the credit card through the card reader 47, the product amount representing the price of the product and the product identification information are input from the keyboard 51, the invoice number is read from the barcode by the pen reader 49, A card number is input from the keyboard 51.

  Then, the terminal identification number of the portable card reader 22 stored in advance in the memory unit 53 is read out, and the card information such as the card number / expiration date, commodity price, commodity identification information, invoice number, and card number are grouped together. Terminal collection information is transmitted from the cable I / F unit 57 to the communication terminal 23.

  If usable information is generated as a result of a credit check based on a plurality of credit information held by the portable card reader 22, the product invoice number, credit company, product price, payment method, number of payments, etc. The printed receipt is printed from the printer 61.

  Next, as shown in FIG. 3, the keyboard 51 provided in the portable card reader 22 includes “selection” keys PF1 to PF5, “reprint” key, “paper feed” key, “light” key, “ It consists of a “power” key, “mode” key, “reset” key, “set” key, “confirm” key, “correction” key, and “number” key.

  “Select” keys PF1 to PF5 are keys for selecting a function for each operation mode switched and displayed on the display 59. The “reprint” key is a key for instructing reprinting of the transaction slip and the total slip printed immediately before. The “paper feed” key is a key for causing the printer 61 to feed paper. The “light” key is a key for instructing the backlight of the display 59 and lighting of the pressed key. The “power” key is a key for instructing on / off of power on the mode selection screen and the password input screen.

  The “mode” key is a key for instructing switching of the operation mode. The “reset” key is a key for instructing to return to the initial screen of the mode being operated. The “SET” key is a key to be pressed when the input for the guidance displayed on the display 59 is completed. The “confirm” key is a key that is pressed when a series of operations is completed. The “correction” key is a key to be pressed when clearing the data input immediately before. The “number” key is a key to be pressed when inputting the number of divisions.

  Next, as shown in FIG. 4, the payment server 37 provided in the credit company includes a plurality of communication processing units 63, a communication control unit 65, a control unit 71, a display control unit 64, a display unit 66, a keyboard 67, The storage unit 73 is configured.

  The communication processing unit 63 performs information communication with the communication terminal 23 via the communication line 35. The communication control unit 65 controls the plurality of communication processing units 63. The control unit 71 has a timer for measuring the date and time inside and controls each unit provided in the settlement server 37. The display control unit 64 displays the content of information communication performed with the communication terminal 23 and the content stored in the storage unit 73 on the display unit 66.

  The display unit 66 displays display information from the display control unit 64. The keyboard 67 inputs character information to the control unit 71. The storage unit 73 stores a card number of a consumer who wants to refuse the use of a credit card as a black list, credit information such as a card number and expiration date for each consumer, and account information of the consumer's financial institution as a database.

  In the payment server 37 provided in the credit company, when an access request is received from the communication terminal 23, credit information including blacklists corresponding to a plurality of address codes handled by the delivery shop B is obtained from a database (not shown). Read and transmit to the communication terminal 23 via the communication line 35.

  In addition, payment information is received from the communication terminal 23. In the storage unit 73 provided in the settlement server 37, terminal identification number, payment method, invoice number, merchandise amount, as settlement information regarding the parcels delivered to the consumers in the area in charge of the delivery store B, The merchandise identification information, card number, expiration date, etc. are stored as a unit. Further, in the payment server 37 of the credit company, the consumer holding the card is searched and extracted based on the card number included in the payment information. Set a monthly split amount or revolving payment amount from the account of the contracted financial period and withdraw.

With revolving payments, an almost constant amount is deducted from the bank that the consumer contracts to the credit company every month, regardless of the amount of the product.

  Next, as shown in FIG. 5, the home delivery management server 39 provided in the home delivery company includes a communication processing unit 75, a communication control unit 77, a control unit 79, a display control unit 81, a display unit 83, a keyboard 85, and a storage unit. 87.

  The communication processing unit 75 performs information communication with the communication terminal 23 via the plurality of communication lines 35. The communication control unit 77 controls the plurality of communication processing units 75. The control unit 79 has a timer for counting the date and time inside and controls each unit provided in the home delivery management server 39. The display control unit 81 displays the content of information communication performed with the communication terminal 23 and the content stored in the storage unit 87 on the display unit 83. The display unit 83 displays display information from the display control unit 81. The keyboard 85 inputs character information. The storage unit 87 stores transaction information, card information, terminal information, and account information as a database.

  As shown in FIG. 6, the database stored in the storage unit 87 stores, as transaction information, an invoice number indicating a product management number, a product price, a product type, a delivery address code, and the like as card information. Credit company information is stored, terminal identification numbers of portable card readers distributed to courier companies are stored as terminal information, and transaction details and deposit amounts are stored as account information.

  In the home delivery management server 39 provided in the home delivery company, the address code, the invoice number, the product amount and the product type are stored as a database in the storage unit 87 as package information from a plurality of collection stores distributed throughout the country. .

  When the access request is received from the communication terminal 23, the package information corresponding to the plurality of address codes handled by the delivery shop B is read from the database of the storage unit 87, and is transmitted from the communication processing unit 75 via the communication line 35. To the communication terminal 23.

  The home delivery management server 39 receives payment information from the communication terminal 23, and uses the terminal identification number, the payment method, the invoice number, as the payment information related to the parcel delivered to the consumer in the area in charge of the home delivery store B. The merchandise amount, merchandise identification information, card number, expiration date, etc. are stored as a unit.

  Further, the home delivery management server 39 generates billing information from the payment information to charge the credit company for the home delivery fee after confirming that the package has arrived to the consumer based on the invoice number included in the payment information. To the payment company 37 of the credit company.

  Next, with reference to the flowchart shown in FIG. 7 and the sequence diagram shown in FIG. 8, each sequence representing the operation of the card payment system according to the embodiment of the present invention will be described. Note that the flowchart of the portable card reader shown in FIG. 7 is stored in the control unit 55 as a program.

(1) Sequence at the time of pick-up The courier company makes a membership contract with a plurality of credit companies in advance. Further, the home delivery company makes a product price collection contract with a corporation or an individual product seller in advance.

  For example, when a consumer places a specified order for a product to be purchased from a merchandise seller, the merchandise seller sends the ordered product to the courier company that has a consignment contract for collecting the product price. Ask for home delivery to be delivered to your home.

  Specifically, the delivery company confirms the address of the delivery destination from a slip affixed to the package, and enters an address code predetermined for each address in this slip. The bar code representing the invoice number written in advance on this slip is read into a portable terminal PDT (Portable Data Terminal). At the same time, the address code, the amount of the product and the product type are input, and the product is collected from the product seller. Then carry it to collection store A.

  In the collection store A, the packages are sorted according to the address code entered on the package slip and placed on a truck having the delivery company B in charge of the delivery destination as the destination. At the same time, this portable terminal PDT is connected to a communication terminal provided in the collection store A, and each address code, invoice number, the amount of goods, and the goods type including the goods type corresponding to the collected goods are sent to the communication terminal. Forward. This communication terminal transfers the package information received from the portable terminal PDT to the home delivery management server 39 via the communication line 35.

As a result, the home delivery management server 39 stores the address code, the invoice number, the price of the product, and the product type as a database in the storage unit 87 as package information from a plurality of collection stores distributed throughout the country.
After the truck carrying the luggage arrives at the parcel delivery store B, it is reloaded with the truck in charge of the delivery destination.

Therefore, in FIG. 10, the communication terminal 23 provided in the delivery shop B acquires the baggage information and credit information of the area in charge.
That is, in sequence S10, the communication terminal 23 adds a plurality of address codes of the area in charge to the access request for acquiring the package information, and transmits the request to the delivery management server 39 of the delivery company via the communication line 35.

  In sequence S20, the home delivery management server 39 that has received this access request from the communication terminal 23 reads the package information corresponding to the plurality of address codes handled by the home delivery store B from the database in the storage unit 87, and communicates from the communication processing unit 75. The data is transmitted to the communication terminal 23 via the line 35. As a result, on the hard disk (not shown) provided in the communication terminal 23, the package information of the area in charge of the delivery store B is stored.

  In sequence S <b> 30, the communication terminal 23 adds a plurality of address codes of the area in charge to the access request for acquiring credit information and transmits the request to the credit company settlement server 37 via the communication line 35.

  In sequence S <b> 40, the settlement server 37 that has received this access request from the communication terminal 23 reads credit information corresponding to a plurality of address codes handled by the delivery store B from a database (not shown) and communicates via the communication line 35. Transmit to the terminal 23.

  As a result, on the hard disk (not shown) provided in the communication terminal 23, the black list, the card number and the expiration date of the credit company possessed by the consumer existing in the area in charge of the delivery shop B are credit information. Remembered. Further, a delivery list relating to the packages in the delivery area designated for each track is printed from the printer 24 connected to the communication terminal 23.

(2) Sequence at the time of home delivery preparation Next, the communication terminal 23 provided in the home delivery store B and the portable card reader 22 are connected via the communication cable 25, and the portable card reader 22 is in charge. In order to acquire the luggage information and credit information of the area, in sequence S50, only the address code of the area in charge is added to the access request and transmitted to the communication terminal 23 via the communication cable 25.

  In sequence S60, the communication terminal 23 that has received the access request from the portable card reader 22 reads the package information and the credit information corresponding to the address code added to the access request from the database of the communication terminal 23, and It transmits to the card reader 22. As a result, the hard disk 54 provided in the portable card reader 22 stores the package information and credit information for the area in charge.

(3) Operation of portable card reader at home delivery A delivery person in charge of only a specific area out of a plurality of areas handled by parcel delivery store B uses a package designated as a delivery destination as a truck. Carry the portable card reader 22 storing the load information and credit information of the area in charge and board the truck and travel to the delivery destination with reference to the home delivery list.
When the delivery person delivers the package to the consumer, the credit card owned by the consumer is handed to the delivery person.

Hereinafter, the operation of the portable card reader 22 and the sequence during delivery will be described in detail with reference to the flowchart shown in FIG.
Since the courier company reads the invoice number of the commodity from the barcode written on a part of the tag using the pen reader 49, the invoice number is temporarily stored in the internal RAM of the memory unit 53 from the control unit 55 in step K10. .

  In step K20, it is searched whether there is a package invoice number corresponding to this invoice number in the plurality of package information stored in the hard disk 54.

  Here, in step K30, it is determined whether or not there is a package invoice number corresponding to the hard disk 54 in step K20. If there is a corresponding package invoice number, the process proceeds to step K40. On the other hand, when the invoice number of the corresponding package is not stored, the process is terminated.

  In step K40, the amount and product type of the package corresponding to this invoice number are read from a plurality of package information stored in the hard disk 54 and displayed on the display 59. As a result, on the display screen 91A of the display 59 shown in FIG. 9A, the product type, the slip number indicating the invoice number, and the amount are displayed, and at the same time, “Set key please” is displayed as guidance information.

  Here, in step K50, when the “set” key provided on the keyboard 51 is pressed by the courier, the display screen 91B of the display 59 shown in FIG. Payment, installment payment, bonus payment, bonus combination payment, etc. are displayed on each “Select” key, and at the same time, “Please select a payment method” is displayed as guidance information, and one of these items is displayed. Encourage selection for one. At this time, it is assumed that the delivery company inquires the consumer about the payment method and has received a response indicating that one of the payment methods is to be selected.

  In Step K60, one of the payment method selection items displayed on the display 59 is selected and inputted by the “Select” key provided on the keyboard 51. Here, for convenience of explanation, it is assumed that the courier company selects and presses the PF3 “installment payment” key according to the consumer's response.

  When the PF3 key provided on the keyboard 51 is pressed by the courier, an input screen related to “installment payment” is displayed on the display screen 91C of the display 59 shown in FIG. 9C. Then, it is assumed that the delivery company inquires the consumer about the number of divisions, and that the number is input by the “number” key provided on the keyboard 51 in response to a response from the consumer such as “10 times”. Further, the courier company inquires of the consumer about the initial amount of money, and, as shown in FIG. 9D, for example, in response to a response from the consumer such as “1234567”, the “number” key provided on the keyboard 51 Assume that the initial amount has been entered.

  Next, as shown in FIG. 9 (E), “please confirm key” is displayed as guidance information to prompt selection of one of these items. When the “confirm” key provided on the keyboard 51 is selected and inputted by the courier, the process proceeds to step K70.

  In step K70, the card information such as the card number / expiration date for identifying the member recorded on the card 20 is read by the card reader 47, and the terminal identification number, payment method, invoice number, commodity price, commodity identification information, card A number, an expiration date, and the like are temporarily stored in the internal RAM provided in the memory unit 53 from the control unit 55.

  In step K80, in order to check the credit for a plurality of credit information held by the portable card reader 22, the controller 55 includes a card included in the credit information of the plurality of consumers stored in the hard disk 54. The number or expiration date is searched for a card number that matches the consumer's card number or expiration date, and the consumer still enters into a credit agreement with the credit company and is in an available state. Determine if there is. Then, the control unit 55 generates confirmation information including usable information when the credit contract related to the consumer is valid, while the unusable information is generated when the credit contract related to the consumer is invalid. Confirmation information (credit inquiry result) is generated. In the credit inquiry process at step K80, if the plurality of card numbers specified in the black list included in the credit information match the card number of the consumer, the credit card use is refused. Generate unavailable information.

  Here, in Step K90, it is determined whether or not the credit company can be used based on the confirmation information. That is, if the confirmation information includes usable information, the credit company is usable, and the process proceeds to step K100. On the other hand, if the confirmation information includes unusable information, the credit company is unusable and the process proceeds to step K120.

  If the credit company is available, in step K100, the control unit 55 causes the terminal identification number, payment method, invoice number, item price, item identification information, which are temporarily stored in the internal RAM of the memory unit 53, The card number, expiration date, and the like are set as a set of settlement information related to the package, and are stored in the hard disk 54 from the control unit 55.

  In step K110, the control unit 55 reads the product invoice number, credit company, product amount, payment method, number of payments, and the like from the memory unit 53, and adds the date and time read from the timer to the delivery date and time. Receipt information indicating that the payment is completed is generated, and the receipt information is output to the printer 61 to print the receipt.

As a result, as shown in FIG. 10, a credit card sales slip 93 is printed from the printer 61 as a receipt. In this credit card sales slip 93, a payment classification indicating a payment method, the number of divisions in the case of installment payment, a product type, a slip number indicating an invoice number, an amount, a signature column, and the like are described.
At the same time, the processing in the portable card reader 22 is terminated. The printed receipt is separated from the printer 61 by the courier and delivered to the consumer.

  On the other hand, if the credit company is not available, in step K120, the control unit 55 reads, for example, message information “This credit company cannot be used” from the memory unit 53 and displays an error on the display 59. At the same time, the control unit 55 deletes the card information such as the consumer's card number and expiration date temporarily stored in the internal RAM of the memory unit 53, and ends the process.

  As described above, the portable card reader 22 stores credit information and package information on a plurality of consumers existing in the delivery area in the hard disk 54, and when the product is delivered to the consumer, the consumer's settlement is performed. The card reader 47 is used to read information on the payment card used for the payment, the payment method for the goods is selected and input using the keyboard 51, and the control unit 55 stores the credit information of the plurality of consumers stored and the read Based on the information of the consumer's payment card, execute the credit inquiry process of the payment card, and if the payment card is valid as a result of the credit inquiry, by paying the price of the product included in the package information, You can use a card to pay for the goods delivered by courier.

  In addition, a receipt indicating that the price of the product has been settled according to the credit inquiry result can be printed from the printer 61 and delivered to the consumer, so the price of the product delivered by the courier is settled with a credit card. be able to.

  Further, when any one of lump sum payment, installment payment, and revolving payment is input by the keyboard 51, the payment method is printed on the receipt from the printer 61. Can do.

  Further, when printing payment by installment or revolving payment from the printer 61, since the number of divisions is printed on the receipt, the consumer can confirm the number of divisions.

  The credit information stored in the hard disk 54 has a black list made up of the card numbers of consumers who want to refuse the use of the credit card, and the black information included in the credit information in the credit inquiry process executed by the control unit 55. When multiple card numbers specified in the list match the card number of the consumer, it generates unusable information for refusing the use of the credit card, thus preventing unauthorized use by the delinquent be able to.

  As a result, the consumer who ordered the product can purchase the delivered product using a payment card and enjoy shopping without having prepared cash for the delivered product in advance. , Can contribute to the convenience and safety of consumers.

(4) Aggregation processing after delivery is completed When the “mode” key provided on the keyboard 51 is pressed by the delivery company, the display screen 95A of the display 59 shown in FIG. As one, the “total” mode is displayed on the “select” key, and at the same time, “select a mode” is displayed as the guidance information, prompting selection of one of these items. At this time, it is assumed that the delivery company has selected and pressed the PF2 “total” key.

  When the PF2 key provided on the keyboard 51 is pressed by the delivery company, an input screen related to “total” is displayed on the display screen 95B of the display 59 shown in FIG. 11B. On the display screen 95B of the display 59 shown in FIG. 11 (B), “daily” is displayed on the “select” key as one of the total items, and prompts selection of one of these items. At this time, it is assumed that the delivery company has selected and pressed the PF2 “daily” key.

  When the PF2 key provided on the keyboard 51 is pressed by the delivery company, an input screen related to “daily accounting” is displayed on the display screen 95C of the display 59 shown in FIG. 11C.

  Next, as shown in FIG. 11C, “please confirm key please” is displayed as guidance information to prompt selection of “daily”. When the “confirm” key provided on the keyboard 51 is selected and inputted by the delivery company, the control unit 55 performs daily processing.

  That is, the control unit 55 sequentially reads the payment information stored in the hard disk 54, and calculates the total number and total amount for each of lump sum payment, installment payment, and revolving payment as a daily list for a plurality of consumers using a credit card. The totaling process is performed, and the daily total list 97 is printed from the printer 61.

  As a result, the daily total list 97 is printed from the printer 61 as shown in FIG. In particular, since the total number and total amount for lump sum payment, installment payment, and revolving payment are printed for each payment method in this daily total list 97, it is possible to check the current day's sales with reference to the daily list. it can.

(5) Sequence after completion of home delivery After delivery is completed, after the truck arrives at home delivery store B, communication terminal 23 provided in home delivery store B and portable card reader 22 are connected via communication cable 25. .

  In order to transfer the settlement information stored in the hard disk 54 of the portable card reader 22 to the communication terminal 23, a transfer request is transmitted to the communication terminal 23 in sequence S70.

  The communication terminal 23 that has received the transfer request from the portable card reader 22 transmits confirmation information to the portable card reader 22.

  In sequence S <b> 80, the portable card reader 22 that has received the confirmation information from the communication terminal 23 transfers the payment information stored in the hard disk 54 to the communication terminal 23. Then, the portable card reader 22 deletes the payment information stored in the hard disk 54 after transferring the payment information to the communication terminal 23. Accordingly, since the card number of the credit card once stored in the hard disk 54 is deleted, leakage of credit information such as an important card number can be prevented.

  As a result, a hard disk (not shown) provided in the communication terminal 23 has a terminal identification number, a payment method, an invoice number, as settlement information regarding the parcels delivered to the consumers present in the area in charge of the delivery shop B. The merchandise price, merchandise identification information, card number, expiration date, etc. are stored as a unit.

  As described above, the portable card reader 22 transmits the payment information stored in the hard disk 54 to the communication terminal 23, and then deletes the payment information stored in the hard disk 54, so that the consumer's important card Leakage of credit information such as numbers can be prevented.

(6) Payment Information Transfer Sequence In sequence S90, the communication terminal 23 transfers the payment request to the courier delivery management server 39 via the communication line 35 in order to transfer the payment information relating to the package to the courier delivery management server 39. Send to. The home delivery management server 39 of the home delivery company that has received the settlement request from the communication terminal 23 transmits confirmation information to the communication terminal 23.

  In sequence S <b> 100, the communication terminal 23 that has received the confirmation information from the home delivery management server 39 transfers the settlement information stored in a hard disk (not shown) provided in the communication terminal 23 to the home delivery management server 39.

  As a result, the storage unit 87 provided in the home delivery management server 39 stores the terminal identification number, the payment method, the invoice number, the merchandise as the settlement information related to the parcel delivered to the consumer in the area in charge of the home delivery store B. The amount, product identification information, card number, expiration date, etc. are stored as a unit.

  Further, in sequence S110, the communication terminal 23 transmits a transfer request to the credit company settlement server 37 via the communication line 35 in order to transfer the settlement information related to the package to the credit company settlement server 37. The payment server 37 of the credit company that has received the payment request from the communication terminal 23 transmits confirmation information to the communication terminal 23.

  In sequence S <b> 120, the communication terminal 23 that has received the confirmation information from the payment server 37 transfers the payment information stored in a hard disk (not shown) provided in the communication terminal 23 to the payment server 37.

  As a result, the storage unit 73 provided in the settlement server 37 stores the terminal identification number, the payment method, the invoice number, the merchandise amount as the settlement information regarding the parcels delivered to the consumers in the area in charge of the delivery store B. The product identification information, card number, expiration date, etc. are stored as a unit.

  Accordingly, the payment server 37 of the credit company can search and extract a consumer holding the card based on the card number included in the payment information, and the consumer based on the product amount and the payment method. Can be debited by setting a monthly split amount or revolving payment amount from the account of the financial period contracted by.

  Further, the home delivery management server 39 of the home delivery company can confirm that the corresponding package has arrived at the consumer based on the invoice number included in the settlement information, and further charges the home delivery fee to the credit company. The billing information can be generated from the payment information and transmitted to the payment server 37 of the credit company.

  As described above, when the portable card reader 22 delivers the product to the consumer and completes the settlement, the portable card reader 22 stores the credit information and the package information regarding the consumer in the hard disk 54 as the settlement information, and the stored settlement information. Is transmitted to the communication terminal 23 of the home delivery store, and the communication terminal 23 receives the payment information received from the portable card reader 22 via the communication line 35 to the payment server 37 of the credit company and the home delivery management server 39 of the home delivery company. Since it is transferred, the payment server 37 of the credit company can search and extract a consumer holding the card based on the card number included in the payment information, and based on the product amount and the payment method, It is possible to set a monthly split amount or revolving payment amount from the account of the financial period contracted by the consumer and withdraw it. Further, the home delivery management server 39 of the home delivery company can confirm that the corresponding package has arrived at the consumer based on the invoice number included in the settlement information, and further charges the home delivery fee to the credit company. The billing information can be generated from the payment information and transmitted to the payment server 37 of the credit company.

  Next, a second embodiment will be described below.

FIG. 13 shows an example of shopping between an Internet shopping mall or the like, and a payment between a consumer 3, a delivery company 4, a merchandise seller 5, and a credit card company that issues a payment card when the price of the product is settled with a card. It shows business relationships.

  When an order is placed from the consumer 3, the seller 5 requests (using the network) to deliver the ordered product to the consumer 3 using the delivery company 4. The delivery person 1 of the home delivery company possesses the portable card reader 1 and delivers the ordered product to the consumer 3. The delivery person 1 of the courier passes the consumer's payment card through the portable card reader 2 and reads the card information. The read card information or the like is transmitted from the portable card reader 2 to the management server of the delivery company 4 through the wireless communication line 8 (weight charge). The read card information and the like are sent from the management server of the delivery company 4 to the payment server of the credit company 6 through the dedicated communication line 7. This management server covers the whole country. Credit information corresponding to the card information is sent from the payment server of the credit company 6 to the portable card reader 2 through the dedicated communication line 7 and the wireless communication line 8. If the credit information (unusable card number) indicates that the payment card can be used (use OK: the card information read does not match the unusable card number), the card settlement procedure is advanced. The flow of money related to card payment procedures is as follows.

  First, the product price delivered from the delivery company 4 to the distributor 5 is deposited (using a network). On the other hand, the merchandise delivery fee (transportation fee) is paid from the seller 5 to the home delivery agent 4 (using the network). At this time, depending on the contract between the courier 4 and the seller 5, if the amount obtained by subtracting the product delivery fee from the product price is paid in advance to the seller 5, the product from the seller 5 to the courier 4 The procedure of payment of delivery fee can be omitted.

  Next, the commodity price is withdrawn from the consumer's bank account or the like on a predetermined date according to the repayment rules of the credit company 6. Then, the withdrawn product price is credited to the home delivery company 4 from the credit company. This completes the settlement procedure.

  Note that the product price may or may not include consumption tax, or may include shipping charges.

  The contents described above will be described in more detail with reference to FIGS.

As shown in FIG. 15, the portable card reader 2 includes an IC card I / F (interface) unit 45, a card reader 47, a keyboard 51, a memory unit 53, a control unit 55, a wireless communication I / F unit 19, a display. 59 and a printer 61.

  The IC card I / F (interface) unit 45 is an interface to which an IC card used for electronic money can be connected. The card reader 47 reads card information such as a card number, an expiration date, and a credit company name stored as magnetic information in the credit card. The keyboard 51 inputs character information. The memory unit 53 stores a terminal identification number unique to each portable card reader in advance, and stores card information related to each card, information input from the keyboard 51, and information obtained through the wireless communication line 8. To do. The memory unit 53 has an internal RAM for storing control data.

  The control unit 55 has a timer for counting the date and time inside and controls each unit provided in the portable card reader. The wireless communication I / F unit 19 performs information communication with the management server of the delivery company 4 through the wireless communication line 8. The display 59 displays input contents and messages. The printer 61 prints a receipt when the card payment is completed.

  Then, when a power switch (not shown) provided in the portable card reader 2 is turned on, the control program is read from the memory unit 53 to the control unit 55, and operation guidance is displayed on the display 59, for example. Accordingly, the delivery agent passes the credit card through the card reader 47 to read the card data, and the product price, the product identification information, the invoice number, the payment method and the like representing the price of the product are input from the keyboard 51.

  Then, the terminal identification number of the portable card reader 22 pre-stored in the memory unit 53 is read, card information such as card number / expiration date / credit company name, commodity price, commodity identification information, invoice number, card use The day is set as a set of terminal collection information, and is transmitted from the wireless communication I / F unit 19 to the management server of the delivery company 4.

  If the card can be used as a result of the credit check based on the credit information acquired from the wireless communication line 8 by the portable card reader 2, the product invoice number, credit company, product amount, payment method, number of payments Etc. are printed from the printer 61.

  Next, since the configuration of the keyboard 51 provided in the portable card reader 2 is the same as the configuration of FIG. 3 described in the first embodiment, description of the function is omitted. Further, the settlement server 13 provided in the credit company 6 has the same configuration as the settlement server 37 of FIG. 4 described in the first embodiment, and the home delivery management server 12 provided in the home delivery company has the first configuration. The configuration is the same as the home delivery management server 39 of FIG. 5 described in the embodiment.

  However, a part of the configuration of the storage unit (database unit) of the home delivery management server 12 is as shown in FIG. 17, unlike the configuration of FIG. 6 described in the first embodiment.

  The operation of the card payment system according to the second embodiment of the present invention will be described below.

(1) Preparation stage before home delivery
The home delivery company makes a membership contract with a plurality of credit companies in advance. In addition, the home delivery company makes a product price collection contract with a corporation or an individual product seller in advance.

  At this time, the delivery company registers the necessary information such as the address, name, telephone number, and transfer account for the product price in the delivery management server, etc., for each product seller. Assign a customer (shipper) number. Therefore, if the customer number is known, all the information related to the merchandise distributor can be grasped.

  For example, when a consumer places a specified order for a product to be purchased from a merchandise distributor, the merchandise distributor sends the ordered merchandise to the courier who has a product price collection contract. Ask for home delivery to be delivered to your home.

  Upon receipt of the product delivery request, the courier will attach a slip printed with the address and name of the delivery address of the product, the address and name of the shipper, the invoice number, etc. to the package and send the invoice number to the home delivery management server etc. And the customer number of the shipper (product seller) are stored as a set.

(2) Operation of portable card reader during delivery When the delivery person of the delivery company delivers the product to the consumer, the credit card owned by the consumer is handed to the delivery person. The delivery person of the courier passes the credit card through the portable card reader 2 and reads the card information such as the credit company name, card number, and expiration date recorded on the credit card by the card reader 47 and stores them in the memory unit 53. (Step T10).

  In step T <b> 20, the delivery person of the delivery company inputs the product type code using the “number” key provided on the keyboard 51 and stores it in the memory unit 53.

    In step T 30, the delivery person inputs the invoice number using the “number” key provided on the keyboard 51 and stores it in the memory unit 53.

    In step 40, the delivery person inputs the product price using the “number” key provided on the keyboard 51 and stores it in the memory unit 53.

    As a result, the display screen of the display 59 displays the credit company name, the product type, the slip number indicating the invoice number, and the amount of money, and at the same time displays “Set key please” as guidance information.

  Here, in step T50, when the “set” key provided on the keyboard 51 is pressed by the courier, the display screen of the display 59 displays the payment method as lump sum payment, revolving payment, installment payment, bonus payment, bonus A combined payment or the like is displayed on each “selection” key, and at the same time, “select a payment method” is displayed as guidance information to prompt selection of one of these items. At this time, it is assumed that the delivery company inquires the consumer about the payment method and has received a response indicating that one of the payment methods is to be selected.

  In step T60, one of the payment method selection items displayed on the display 59 is selected and input by the “select” key provided on the keyboard 51. For example, the data input procedure and the like when the home delivery company selects and presses the PF3 “installment payment” key in response to the consumer's response is the same as described in the first embodiment.

  The payment method and the amount of money input in this way are also stored in the memory unit 53.

  When all the above data input is completed and the “confirm” key provided on the keyboard 51 is selected and input by the delivery company, the process proceeds to step T70.

  In step T70, the read card information is transmitted to the settlement server 13 through the home delivery management server 12, and the credit information of the card is obtained from the settlement server. The credit information at this time is information indicating whether the credit card can be used (settled) or cannot be used (settled). This sequence is shown in the sequences S1, S2, S3, and S4.

  In sequence S 1, the card information read from the portable card reader 11 to the home delivery management server 12 is transmitted through the wireless communication line 8. In sequence S2, the card reading information sent to the home delivery management server 12 is transmitted as it is to the payment server 13 of the credit company through the dedicated communication line 7. At this time, the read card information is not left in the home delivery management server 12. The payment server 13 extracts credit information corresponding to the card information. In sequence S3, the credit information is transmitted to the home delivery management server 12 through the dedicated communication line 7.

  In sequence S <b> 4, the credit information sent to the home delivery management server 12 is transmitted from the home delivery management server 12 to the portable card reader 11 through the wireless communication line 8. Again, no credit information is left in the home delivery management server 12.

    When the credit card can be settled, in step T90, the control unit 55 temporarily stores the invoice number, payment method, product price, product type (identification) information, credit company, and the like stored in the memory unit 53. The name, card number, expiration date, card usage date, and the like are organized as a set of settlement information related to the product and stored in the memory unit 53 again.

  In step T <b> 100, the control unit 55 reads the payment information from the memory unit 53 and transmits it to the payment server through the home delivery management server 12. This is shown in the sequences S5 and S6. In sequence S 5, payment information such as a payment method, invoice number, product price, product type (identification) information, credit company name, card number, expiration date, and card use date is delivered from the portable card reader 11 via the wireless communication line 8. It is transmitted to the management server 12. In sequence S 6, the payment information received by the home delivery management server 12 is transmitted as it is to the payment server 8 through the dedicated line 7. The payment server 8 of the credit company stores the payment information sent from the home delivery management server 12.

  The home delivery management server 12 does not store all the payment information transmitted from the portable card reader, but stores invoice number, credit company name, card usage date, product type information, and product price data, and the rest Discard information.

  The card information such as the card number and the expiration date is not particularly necessary for the courier, and it is effective to discard the card information in order to prevent leakage of personal information.

  As described above, the invoice number and the customer (shipper) number are associated with each other and stored in the database, so that they match the invoice number of the settlement information transmitted from the portable card reader. The customer number is extracted and stored in the home delivery management server 12 as a set of data in association with the invoice number, credit company name, card usage date, product type information, and product price data.

  The database structure is shown in the storage unit 88 of the home delivery management server in FIG.

  The data stored in the storage unit 88 forms the top record so that the invoice number is a key, and for each invoice number, the customer number, credit company name, card usage date, product type, and product price data are stored. It is summarized.

  Next, in step T110, the invoice number of the product, the credit company, the product amount, the payment method, the number of payments, etc. are read, and the date and time read from the timer is added as the delivery date and time to indicate that the product has been settled. Information is generated, and the receipt information is output to the printer 61 to print the receipt.

As a result, as shown in FIG. 10, a credit card sales slip 93 is printed from the printer 61 as a receipt. In this credit card sales slip 93, a payment classification indicating a payment method, the number of divisions in the case of installment payment, a product type, a slip number indicating an invoice number, an amount, a signature column, and the like are described.
In step T120, all the payment information stored in the memory unit 53 is completely erased, and the process ends. The printed receipt is separated from the printer 61 by the courier and delivered to the consumer. In this way, every time a receipt is printed, personal information such as card information is not left in the portable card reader, thus preventing leakage of information and a small storage capacity inside the portable card reader. That's okay.

  On the other hand, if the credit information returned from the payment server is information that payment is not possible, the process proceeds from step T80 to step T130, and the control unit 55 sends, for example, message information “This credit company cannot be used” from the memory unit 53. Read out and display an error on the display 59. At the same time, the control unit 55 deletes the card information such as the consumer's card number and expiration date and the information input from the keyboard 51, which are temporarily stored in the internal RAM of the memory unit 53, and ends the processing. This process is performed every time the delivery person of the delivery company delivers the product to the consumer.

(3) Processing after home delivery is completed When the payment procedure with the card is established, the product price is paid from the home delivery company to the product seller in sequence S7. The payment for the product price is performed based on a data file formed in the storage unit 88 of the home delivery management server shown in FIG. This data stores the customer (shipper) number as well as the product amount, so if you refer to another database from this customer number, you can know the shipper's address, name, transfer account, etc. You can deposit money. It is also useful for checking the card usage date and other data later.

  In sequence S8, the merchandise distributor pays the merchandise delivery fee (freight charge) to the courier.

  Here, as described in the explanation of FIG. 13, depending on the contract between the courier and the distributor, if the amount obtained by subtracting the commodity delivery fee from the commodity price is paid in advance to the distributor, It is possible to omit the procedure of depositing the merchandise delivery fee to the supplier, that is, the sequence S8.

  Then, in step S9, the payment for the merchandise is made from the credit company to the courier, and all settlements centered on the courier are completed.

It is a figure which shows the card payment system which concerns on the 1st Embodiment of this invention. 2 is a diagram showing a configuration of a portable card reader 22. FIG. 3 is a diagram showing a configuration of a keyboard 51 provided in the portable card reader 22. FIG. It is a figure which shows the structure of the payment server 37 provided in the credit company. It is a figure which shows the structure of the delivery management server 39 provided in the delivery company. It is a figure which shows the structure of the database memorize | stored in the memory | storage part 87 of the home delivery management server 39. FIG. 4 is a flowchart showing the operation of the portable card reader 22. It is a sequence diagram which shows the exchange of the information between each apparatus which comprises a card payment system. It is a figure (A)-(E) which shows change of a display screen displayed on display 59. This is a credit card sales slip 93 printed from the printer 61. It is a figure (A)-(C) showing change of a display screen displayed on display 59. This is a daily list 97 printed from the printer 61. It is a figure which shows the card payment system which concerns on the 2nd Embodiment of this invention. It is a sequence diagram which shows the exchange of the information between each apparatus which comprises the card payment system which concerns on 2nd Embodiment. It is a figure which shows the structure of the portable card reader which concerns on 2nd Embodiment. 3 is a flowchart showing the operation of the portable card reader 11. It is a figure which shows the structure of the database memorize | stored in the memory | storage part 88 of the home delivery management server 12. FIG.

Explanation of symbols

22 Portable Card Reader 23 Communication Terminal 39 Delivery Management Server 37 Settlement Server 47 Card Reader 49 Pen Reader 61 Printer

Claims (5)

The courier company has signed contracts with multiple credit companies, and has signed a product price collection contract with the merchant of the product,
The courier pays the merchant the merchandise amount in response to the consumer's credit card payment when the courier delivery person delivers the merchandise to the consumer who ordered the merchandise. A card delivery system for home delivery,
The home delivery management server of the home delivery company, the payment server of the credit company, the server of the seller and the portable card reader carried by the delivery person are connected via a communication network,
The portable card reader is
Means for reading card information including credit company information from the credit card, means for inputting the product price, means for reading an invoice number from the invoice of the product, means for printing a receipt of the product, the invoice number, Transmission means for transmitting the product price and the credit company information to the home delivery management server,
The home delivery management server
Means for storing the seller's customer number in correspondence with the seller's bank account information in the first storage means;
Means for storing the customer number in a second storage means in correspondence with the invoice number;
Means for storing the received commodity price and the credit company information in association with the invoice number of the second storage means corresponding to the invoice number received from the portable card reader;
The product price includes a freight charge, and includes means for subtracting the freight charge from the product price to calculate the amount of the product ,
By storing the transfer account information of the seller and the credit company information of the consumer in association with the invoice number in the home delivery management server,
The product price including the freight charge is paid from the credit company to the courier, and the amount of the product obtained by subtracting the freight charge from the product price is paid from the courier to the seller. A home delivery card payment system.   2. The card delivery system for home delivery according to claim 1, wherein the portable card reader has means for deleting the product price, the payment method, and the card information after executing the transmission means.   The card payment for home delivery according to claim 1 or 2, wherein the portable card reader has means for deleting the commodity price, the payment method and the card information after executing the printing means. system. The portable card reader is
The credit card has credit means for performing credit check by sending the credit card information and the product price to the settlement server, and after executing the credit means, the credit card cannot be settled by the credit server. The card payment system for home delivery according to any one of claims 1 to 3, further comprising means for deleting the product price, the payment method, and the card information when received. The home delivery management server
Means for deleting the card number of the card information after transmitting the card information from the portable card reader to the payment server of the credit company;
The delivery card according to any one of claims 1 to 4, further comprising means for deleting credit information after the credit information is transmitted from the payment server of the credit company to the portable card reader. Payment system.

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