JP5072669B2 - Card checkout system - Google Patents

Description

The present invention relates to a card settlement system for performing a settlement of the transaction amount for the customers who use payment cards such as a credit card.

  With the spread of payment cards in recent years, the range of use has expanded. For example, in the case of a credit card transaction, credit between a credit card company's merchant and the customer can be obtained by giving the customer unsecured comprehensive credit up to a certain limit by executing a contract with a customer whose card company is a member. Trading takes place. If it is within the range of the comprehensive credit amount, the customer can immediately pay for the merchandise and services of the member store simply by presenting the credit card. For card payments, in practice, at the time of payment, the merchant confirms with the card company the customer's membership and usage status (whether or not the credit limit still remains). It can be used. When the card settlement is completed, the card company pays the payment for the approved transaction to the member store, and totals the transaction amount for each customer every predetermined period (usually one month unit). Then, the total amount of the transaction amount changed by mailing the statement to the customer is charged, and the total amount charged from the account designated in advance by the customer is automatically withdrawn. Moreover, in such payment of a credit card, it is possible for the customer not only to pay the transaction amount to the card company in a lump sum but also to make installments. In recent years, transactions of various products and services and customer services have been performed using a payment card such as a credit card.

  In insurance contracts concluded between insurance companies and customers, insurance premiums have often been paid in a lump sum, particularly for non-life insurance. In general life insurance, the insurance period is several tens of years and the total premium paid is often over 1 million yen. However, in general insurance, there are many short-term contracts centered on one year, and the total premium paid. This is because it is about 100,000 yen at most. However, for customers, although it is low compared to life insurance, it is often felt financially that paying 100,000 in a lump sum is a financial burden, and there is a desire to pay insurance premiums separately in non-life insurance. It was. There are two methods for paying insurance premiums in installments: a method in which a customer pays directly to an insurance company and a method in which payment is made in installments using a payment card such as the credit card described above. In any case of installment payments, the insurance premiums are subject to interest costs and administrative costs corresponding to installment payments compared to paying the insurance premiums in a lump sum. The total amount of the division fee) becomes expensive. However, compared with insurance companies that require authorization to set interest rates, card companies can freely set interest rates for each company, so card companies are more likely to be able to reduce insurance premiums at the time of split.

  In customer service for payment cards such as credit cards, various forms are implemented in order to promote use. One of them is a point service that gives points according to the number of uses and the transaction amount. In this point service, when points are accumulated, the customer can exchange it for a present or exchange it for cash or a cash voucher as desired.

  First, when the customer pays the insurance premium to the insurance company using a payment card such as a credit card, the customer pays the insurance premium to the card company (actually, the credit card usage fee for the insurance premium, but here the insurance premium However, card companies generally pay premiums in a lump sum to insurance companies. So, for example, if a customer has signed a credit agreement with a credit card company that pays insurance premiums in 24 installments over 2 years, if the customer cancels the insurance company insurance in the middle of installment payments, for example in one year The insurance company will return the remaining premium for the year to the customer (refund premium). Conventionally, as shown in FIG. 12, the refund premium is paid to the customer directly or by bank transfer, so even after the insurance is canceled, the card company 20 and the customer 50 have a contract for installment payment for the remaining one year. Will remain. Therefore, the card company 20 cannot collect the remaining installment payments (dotted arrows in FIG. 12) from the customer 50 even though the insurance premiums have already been changed and paid to the insurance company 31. There is concern about the possibility. In addition, although there is a request for customers to reduce the premium for installment payments as much as possible, as mentioned above, the credit card company has signed a credit agreement for insurance premiums unsecured with the customer. There was a limit to reducing interest payments on installments and reducing insurance premiums. For this reason, it may actually be an unsecured loan, and in the premium at the time of split, the interest rate of the card company is higher than the interest rate of the insurance company (split premium premium).

  In addition, when a customer of a payment card receives a refund using the point service, conventionally, the payment is received by a procedure different from the settlement of the monthly transaction amount by the payment card. This refund is given to the customer with a cash voucher or cash, etc. However, considering the time and procedure for giving it, it was not convenient for both the customer and the card company. In addition, the customer may forget to use the cash voucher or the like and may not be fully utilized as a service to the customer.

  In consideration of the above-described problems, in the present invention, a customer who uses a payment card can reduce the insurance premium (total payment amount) as much as possible when paying the insurance premium with the payment card. It is an object of the present invention to provide a card settlement system and a card settlement method that can eliminate the inconvenience of procedures and increase the usability as a service to customers.

  In order to solve the above problems, the card settlement system of the present invention employs the following means.

That is, a system that consists of a server connected via a network, a terminal device of a member company of a card company, and a customer terminal of a customer, and settles the transaction amount of a customer who uses a payment card. Receiving means for receiving transaction information including the transaction amount of the customer sent via the customer, a customer database for storing the transaction information received via the receiving means for each customer, and the transaction amount for each customer within a predetermined period use and aggregation means to aggregate taken from the customer database, and a specification creating means for creating a specification of the customer addressed by using the results of transaction information and aggregate means is compiled, the customer database, customer settlement card from the insurance company if you were to pay the insurance contract the insurance premiums to the insurance company as a merchant in installments of the payment card was abruptly canceled Is configured to return the insurance premium amount to be paid directly to the customer from the card company to store as the transaction amount paid to the customer, tabulation means, customers insurance contract with the aggregate Remove the transaction amount from the customer database If the insurance premium payment by installment payment using the payment card remains when the contract is canceled halfway, the balance of the installment payment is counted as the transaction amount charged to the customer, and the statement creation means The statement is made in such a way as to indicate that the total amount is to be charged to the customer or to be paid to the customer according to the sign of the total amount of the totaling means.

Return insurance premiums to be paid from the insurance company, rather than being paid directly to the customer, once paid to the card company, it is counted as the transaction amount to be paid to the customer in the card company, in order to be sent to the customer addressed by the aggregate amount A statement is created. Normally, in the card company statement, only the transaction amount that should be charged to the customer is aggregated. Therefore, when the aggregate amount is positive, the aggregate amount is the total amount charged to the customer. When the transaction amount is included in the aggregation, it occurs even when the aggregation amount is a negative value. At that time, the aggregation amount is the total amount paid to the customer. When the customer cancels the insurance halfway, if the remaining amount of the installment payment of the insurance that the customer pays to the card company remains, this remaining amount is included in the aggregation as the transaction amount to be charged to the customer. This allows the card company to settle the insurance installment contract when the customer cancels the insurance contract. Of course, if installment payments have been completed at the time of cancellation, the remaining amount is not counted.

Aggregate means, the balance of installments, from the collective reimbursement amount card company has advances paid in a lump as insurance premiums of customers to the insurance company of the settlement card, customers were installments its equivalent as an insurance fee to the card company It is preferable that the calculation is made by subtracting the total amount of money . When a customer pays premiums to an insurance company by installment payment using a payment card, the card company usually pays insurance premiums to the insurance company in a lump sum. The remaining amount of installment payments is calculated by subtracting the total amount equivalent to the premium paid by the customer to the card company.

Insurance company of the terminal device, configured to the insurance company to send the return insurance premium amount at the time to pay the insurance premium amount instead returned to the card company the transaction information to the transaction amount of minus recorded, to the receiving means via the network It is also preferable that The return of premium insurance company is to be returned to the customer, once when the pay to the card company, transaction information to the return insurance premium amount and the transaction amount of minus recorded is transmitted from the insurance company of the terminal device, to the receiving means of the server Received. Normally, when a customer purchases a product at a merchant of a credit card company, the transaction information of the transaction amount of the positive recording (usually referred to as “accounting”, but referred to as “plus recording” for convenience) is sent to the server and sent to the customer. Since it is counted as the transaction amount to be charged, it is handled and counted as the transaction amount to be paid to the customer by making a negative recording.

In collecting a total of means, aggregated for each predetermined period of time it is executed, all of the transaction amount that the customer has used the payment card within a predetermined time period may be aggregated. All transaction amounts within a predetermined period are settled by tabulation, and whether the tabulation amount is charged to the customer or the amount to be paid to the customer is determined based on whether the tabulation amount is positive or negative.

The customer database receives transaction information that you wish to refund including the refund amount to be refunded to the customer with the point service accumulated according to the use of the payment card sent from the merchant's terminal device or customer's customer terminal via the network It is also preferable that the return amount is stored as a transaction amount to be paid from the card company to the customer when the means receives it. Refund amount to be refunded to the customer at the point service of settlement card, are aggregated as the transaction amount to be paid to the customer in the card company, the specification to be created in customer addressed is created by the aggregate amount. Normally, in the card company statement, only the transaction amount that should be charged to the customer is aggregated. Therefore, when the aggregate amount is positive, the aggregate amount is the total amount charged to the customer. When the transaction amount is included in the aggregation, it occurs even when the aggregation amount is a negative value. At that time, the aggregation amount is the total amount paid to the customer.

Aggregate hand stage, it is also preferable that is configured to aggregate the refund amount as the transaction amount of negative recorded. When the customer desires a refund for the point service, the transaction information desired to be refunded is received by the receiving means of the server, and is totaled as a negative transaction amount by the counting means. Normally, when a customer purchases a product at a merchant of a credit card company, the transaction information for the positive transaction amount is sent to the server and aggregated as the transaction amount to be charged to the customer. The transaction amount to be paid to the customer is handled and aggregated.

Further, the card settlement system, the server is connected merchant terminal apparatus of the card company via a network, it is also preferable to receive transaction information refund desired from the affiliated store terminals. By transmitting transaction information for refund request from the terminal device of the member store of the payment card to the server, the server receives the customer's request for refund and the desired refund amount.

Further, the card settlement system, the customer the customer terminal to the server is connected via a network, it is also preferable to receive transaction information repayment desired from the customer the customer terminal. By sending the transaction information desired to be refunded from the customer terminal of the customer to the server, the server receives the customer's request for refund and the desired refund amount.

According to the card settlement system and the card settlement method of the present invention, when a customer pays an insurance premium to an insurance company in installments using a payment card and cancels the insurance contract halfway, the refund premium is passed through the card company. By configuring the payment card to be returned to the customer, the card company can use the refund premium as a practical collateral, thereby reducing the interest rate on installment premiums. .

In addition, according to the card settlement system and the card settlement method of the present invention, when a refund is made to the customer by the point service accumulated according to the use of the payment card, the refund amount is returned to the customer by settlement by the card company. By doing so, it is possible to simplify the paperwork for both the credit card company and the customer, and to improve customer service by making the refund easier to use.

  First, the card settlement system of embodiment (1) of this invention is demonstrated based on drawing. FIG. 1 is a conceptual diagram of the embodiment (1), FIG. 2 is a configuration diagram of the embodiment (1), FIG. 3 is a flowchart at the time of an insurance contract of the embodiment (1), and FIG. ) Is an explanatory diagram at the time of insurance contract, FIG. 5 is a flowchart at the time of insurance cancellation of the embodiment (1), FIG. 6 is a diagram showing an example of the specification of the embodiment (1), and FIG. It is explanatory drawing at the time of insurance cancellation of 1).

  The card settlement system 1 of the present invention is a system that settles the transaction amount of a customer 50 using a payment card.

  Currently, there are credit cards, electronic money, debit cards, etc. as payment cards, but here we mainly deal with cards that have the same payment mechanism as credit cards. To do.

  The server 2 is provided in the card company 20, and the terminal device 3 of the member store 30 of the card company 20 is connected via the network 4. The member store 30 has various forms such as a store and a service provider, one of which is an insurance company 31 to which the customer 50 has an insurance contract. Although only one customer 50 is illustrated in FIG. 1, there are a plurality of customers who use credit cards.

  The server 2 has an input / output function, a recording function, a communication function, an arithmetic function, and the like, and is generally a mainframe, a workstation, a personal computer, or the like having a function to respond to requests from other computers. The server 2 may be configured by combining a plurality of servers and terminal devices.

  The terminal device 3 is a device having a function of mainly executing exchange of information related to the use of credit cards with the server 2 of the card company 20, and may be a dedicated device called CAT or a personal computer. The form is not limited. Further, depending on the member store, the member store may be connected to the customer's database or the like, or a plurality of terminal devices and servers may be combined.

  The network 4 includes a dedicated line, the Internet, a LAN (Local Area Network), a communication line, a radio, a satellite, or other communication system.

  The configuration of the server 2 will be described. As shown in FIG. 2, the server 2 includes a receiving unit 201 that receives transaction information including a transaction amount of a customer transmitted from the member store 30, a customer database 202 that stores transaction information for each customer, Aggregation means 203 for aggregating the transaction amount and a specification creation means 204 for creating the aggregated results as the specifications 21 for the customer are provided.

  When the customer 50 purchases a product of the member store 30 using a credit card or uses a service, the membership of the customer 50 or the actual use status (whether or not the credit limit still remains from the terminal device 3 of the member store 30). Is sent to the terminal device 3 from the server 2 to allow the customer 50 to make a card payment. This series of procedures is called authorization, but detailed explanation and operation are omitted here.

  The transaction information received by the receiving means 201 includes the contents of products and services used by the customer 50, the transaction amount, the transaction date, and the like. As for this transaction information, when a customer purchases or uses a product or service of the member store 30, the transaction amount is added as sales from the terminal device 3 and transmitted to the server 2. Then, the plus amount is paid in advance from the card company 20 to the member store 30 and charged to the customer 50 from the card company 20 as will be described later. On the other hand, when a certain amount of money is paid from the member store 30 to the customer 50 for some purpose, the transaction information in which the sales are negatively recorded is transmitted from the terminal device 3 to the server 2. Then, the minus amount is paid to the customer 50 from the card company 20 as will be described later.

  The customer database 202 stores personal information, a card number, a credit frame (available limit), a designated withdrawal account, transaction information, past history, and the like for each customer 50.

  The totaling means 203 takes out the transaction information of the customer 50 within a predetermined period from the customer database 202 and totals it as a closing date when the predetermined date comes. Usually, it is counted on a monthly basis. As described above, the transaction amount of the transaction information transmitted from the member store 30 includes a positive recording and a negative recording. The positively recorded transaction amount is an amount charged by the card company 20 to the customer 50, and the negatively recorded transaction amount is an amount paid by the card company 20 to the customer 50. Then, all the transaction amounts of the customer 50 within the predetermined period are totaled, and if the final total amount is a positive value, the total amount is charged to the customer in that month and is deducted from the customer's designated account. If the total amount is negative, the total amount will be paid to the customer that month and will be transferred to the customer's designated account. If there is no transaction information within a predetermined period, the aggregation is not executed.

  The statement 21 created by the statement creating unit 204 includes the transaction information and the total amount used for totaling by the totaling unit 203, and if the total amount is a positive value, the customer is billed. In the case of a negative value, it is clearly indicated that payment is made to the customer. In addition, the specification 21 appropriately includes items such as a withdrawal date. The statement 21 is printed by the printing means and mailed to the customer.

  The terminal device 3 of the insurance company 31 will be described. As shown in FIG. 2, the terminal device 3 of the insurance company 31 includes a transmission unit 301 that transmits transaction information to the server 2 and an insurance contractor database 302. The contractor database 302 is described here as being provided in the server 2, but may be provided in the host computer of the insurance company 31 and connected to the terminal device 3. The contractor database 302 stores insurance information including insurance contract contents and customer (contractor) personal information in association with the customer (contractor) as insurance information. In addition, for customers (contractors) who pay insurance premiums using a credit card, the customer's (contractor) credit card type, credit card number, credit card holder's name, insurance premiums paid by credit card, etc. The included credit card transaction information is stored in association with the corresponding insurance information.

  An operation for returning insurance premiums using the card settlement system 1 configured as described above will be described with reference to FIGS. In addition, the card settlement method will be explained.

  The customer 50 selects installment payment using a credit card of the card company 20 in an insurance contract with an insurance company 31 (assumed to be a non-life insurance company) which is one of the member stores 30. Here, it is assumed that an insurance contract that pays an insurance premium of 240,000 yen 24 times is made in a two-year insurance contract. In this case, as shown in FIG. 3, along with the insurance contract, transaction information including the entire premium (240,000 yen) as a positive transaction amount is transmitted from the terminal device 3 of the insurance company 31 to the server 2 (S101). . In the server 2, the transaction information is received by the receiving means 201, the transaction information is accumulated in the customer database 202, and the insurance premium for 10,000 installments (10,000 yen) is stored as a transaction amount charged to the customer every month (S102). ). When the monthly closing date is reached (S103), the transaction information to be tabulated this month is extracted from the transaction information stored in the customer database 202. When the customer 50 uses a credit card at a member store 30 other than the insurance company 31, the transaction information is also taken out.

  The transaction amount of the extracted transaction information is aggregated by the aggregation means 203 (S104). Here, it is assumed that the transaction amount is the amount charged to the customer. In this case, since the total amount becomes a positive value, the statement creation unit 204 creates the statement 21 clearly indicating that the total amount is charged to the customer (S105). The premium for one installment payment (10,000 yen) is used for tabulation as the transaction amount charged to the customer every month as long as the insurance contract continues.

  On the other hand, the terminal device 3 of the insurance company 31 stores transaction information in the contractor database 302 of the insurance company 31, and stores the credit card transaction information in addition to the insurance information related to the insurance contract with the customer 50 (S106). This associates which insurance contract is contracted with which credit card transaction.

  As shown in FIG. 4, between the card company 20, the insurance company 31, and the customer 50, the customer 50 makes monthly payments to the card company 20 based on the statement 21, not the insurance company 31. On the other hand, when the insurance contract is settled by card, the card company 20 pays the insurance company in a lump sum the transaction amount (total amount of insurance premiums, 240,000 yen) that has been added.

  Next, when the customer 50 cancels the insurance contract halfway for some reason (here, it is assumed that it is canceled after one year from the conclusion of the insurance contract), the terminal device 3 of the insurance company 31 as shown in FIG. Then, the credit card transaction information of the customer 50 at the time of the insurance contract is extracted from the contractor database 302, and the transaction information for deducting the refund premium (110,000 yen) is transmitted to the server 2 by the transmission means 301 together with the credit card transaction information. (S201). This refund premium is determined by the insurance company's calculation rules. The server 2 stores the transaction information received by the receiving means 201 in the customer database 202, and stores the refund insurance premium as a transaction amount to be paid to the customer 50 (S202). Then, the customer database 202 is collated based on the received credit card transaction information, and the installment payment is associated with which installment payment amount is paid to the customer 50. It is confirmed whether or not there is (S203). This is because the transaction of the card company 20 is usually independent once at a time, and the card company 20 cannot determine which installment payment is supported even if only the transaction information is received. The balance of installment payments is the cumulative amount of payments made in installments by the customer 50 to the card company 20 as premiums from the lump sum (240,000 yen) paid in advance by the card company 20 to the insurance company 31 as insurance premiums for the customer 50 It is calculated by subtracting (120,000 yen. Here, it is assumed that the installment payment has been made 12 times) (240,000-120,000 = 120,000). As described above, the refund premium is determined by the insurance company 31, and therefore does not necessarily match the remaining amount of installment payment.

  And the server 2 memorize | stores the balance of installment payment as a transaction amount charged to a customer (S204). When the closing date of each month is reached (S205), the transaction information to be tabulated this month is extracted from the transaction information stored in the customer database 202. When the customer 50 uses a credit card at a member store 30 other than the insurance company 31, the transaction information is also taken out.

  The transaction amount of the extracted transaction information is aggregated by the aggregation means 203 (S206). Here, since both the amount charged to the customer and the amount paid to the customer are included in the transaction amount, these are settled by aggregation, and the statement creation unit 204 creates the statement 21 including this result. (S207). An example of the specification 21 is shown in FIG. In this specification 21, the contents of each transaction information are a transaction date, a store name, a transaction amount (total amount in the case of installment payment), a classification indicating whether it is a lump sum payment or an installment payment, and a current invoice amount (meaning a transaction amount). It is divided into items such as. In this billing amount item, a positive value is indicated when the amount is an amount charged to the customer, and a negative value is indicated when the amount is an amount to be paid to the customer. This month, the amount of goods purchased at the member store 30 (XX department store) is a positive charge (10,000 yen), and the refund premium from the insurance company 31 is a negative charge (minus 110,000) Yen), the balance of installment payments from the card company 20 (in the statement 21 here, the store name is △△ non-life, but it may be △△ card) is shown as a positive value (120,000 yen) Yes. Then, a total amount (20,000 yen) obtained by summing up these items is charged to the customer as a charge amount of this month. When the balance of the total amount becomes a negative value according to the transaction information, the amount is paid to the customer. On the other hand, in the terminal device 3 of the insurance company 31, transaction information associated with mid-term cancellation is accumulated in the contractor database 302 (S208).

  As shown in FIG. 7, the refund premium between the card company 20, the insurance company 31 and the customer 50 is once transferred from the insurance company 31 to the card company 20 and then returned to the customer 50. As a result, the card company 20 can settle the refund premium with the remaining amount of installment payments and the transaction amount of other customers, and the concern that the remaining amount of installment payments cannot be collected from the customer 50 as in the past is eliminated. The In other words, the card company 20 can protect the receivables even when the insurance company 31 and the customer 50 cancel the insurance contract halfway. Safety is ensured. Therefore, it is possible to set split insurance premiums at a lower interest rate than in the past, and as a result, it is possible to bring about a great effect that split insurance premiums are reduced for customers.

  As described above, when the insurance company 31 makes a cancellation request from the customer 50, the contract information is stored from the transaction information stored in the contractor database 302 when transmitting the transaction information of “Minus recording”. Credit card transaction information based on the current transaction information (S101, S102) is extracted and authorization is performed. In the normal authorization, the card company 20 confirms “membership” and “transaction within the credit amount” based on the transaction information from the member store 30 and informs the member store 30 whether or not the transaction is possible. In the case of denial, the reason cannot be conveyed from the viewpoint of personal information protection. “Decreased” at the time of mid-term cancellation is a negative amount of credit, so if there is no adverse effect on authorization authorization and if it is not approved temporarily, “membership” will be lost due to withdrawal, etc. There is a high possibility that the transaction has been suspended due to worsening conditions. In such a case, the insurance company 31 immediately confirms the membership qualification with the card company 20, and returns the insurance premium directly to the customer 50 if it is withdrawn. Further, in the case of “transaction suspension” due to the deterioration of the credit situation, the membership qualification is not lost, so the refund premium is paid to the card company 20 and executed as described above.

  Next, as an embodiment (2) of the present invention, a card settlement system will be described based on the drawings. 8 is a conceptual diagram of the embodiment (2), FIGS. 9 and 10 are flowcharts of the operation of the embodiment (2), and FIG. 11 is a diagram showing an example of the specification of the embodiment (2). In addition, the same code | symbol is attached | subjected to description similar to Embodiment (1), and detailed description is abbreviate | omitted.

  The card settlement system 1 of the embodiment (2) is a system for settlement of the transaction amount of the customer 50 using the payment card as in the embodiment (1), and the server 2 is provided in the card company 20. Yes. A terminal device 3 of a member store 30 of the card company 20 is connected to the server 2 via a network 4.

  In addition, a customer terminal 5 of a customer 50 who uses a payment card is also connected to the server 2 via the network 4.

  There are credit cards, electronic money, debit cards, and the like as payment cards, but the point service in the embodiment (2) is added and the payment cards can be applied to payment cards that make payments using customer accounts. Here, a credit card will be described as an example.

  In the embodiment (2), when the card company 20 adds a point service to the credit card and the customer 50 uses the member store 30 to purchase a product or use the service, the transaction amount, the number of transactions, etc. In response to this, points are given to the customer 50. When the points are accumulated, the card company 20 provides a service for refunding to the customer 50 according to the number. This refund is usually refunded in cash or cash voucher, but in the embodiment (2), the refund is made by transferring from the card company 20 to the account designated by the customer 50 for credit card withdrawal. It is characterized by being.

  The server 2 of the embodiment (2) stores points for each customer in addition to various data in the customer database 202. The configuration of the server 2 is the same as that in FIG. 2, but in this case, when the receiving means 201 receives the transaction information desired to be refunded from the member store 30 as the transaction information, the customer database 202 stores the refund amount from the accumulated points. The card company 20 itself is a member store, and the return amount is stored as a transaction amount to be paid to the customer. The other means of the server 2 are the same as in the embodiment (1).

  The terminal device 3 of the member store 30 is obtained by replacing the insurance company 31 of the embodiment (1) with the member store 30, and the configuration thereof is the same as that shown in FIG. From the terminal device 3, when the customer 50 purchases a product or the like or uses a service, the transaction information of plus recording is transmitted by the transmission means 301. However, the customer 50 gives a refund at the point of the point service. If desired, the transaction information for refund requesting the desired refund amount as a negative amount is transmitted.

  The customer terminal 5 of the customer 50 is a terminal device that has a communication function and can be connected to the Internet, and is generally a personal computer, a PDA (portable terminal), a mobile phone, or the like. The customer terminal 5 can connect to a homepage provided by the card company 20 and check the contents of the point service and the number of points already accumulated by the customer 50. When the customer 50 desires a refund at the point service point, the customer terminal 5 of the customer 50 can transmit transaction information for requesting a refund with the desired refund amount as a negative amount. A configuration diagram of the customer terminal 5 is omitted.

  The operation of the point service using the card settlement system 1 according to the embodiment (2) will be described with reference to FIGS.

  FIG. 9 shows an example in which transaction information desired to be refunded is transmitted from the terminal device 3 of the member store 30. First, every time the customer 50 uses the member store 30, transaction information is transmitted from the member store 30 to the server 2 (S301). The server 2 receives the transaction information by the receiving means 201, and the transaction information is stored in the customer database 202. Accumulated and point service points are stored (S302). When the customer 50 wishes to receive a refund based on the accumulated points, the transaction information for requesting a refund based on the points is transmitted from the terminal device 3 of the member store 30 to the server 2 (S303). For example, when a customer 50 makes a payment for a shopping card at a member store 30 and finds out that the number of points has reached a refundable amount, the customer 50 immediately sends the transaction information desired to be refunded at the member store 30. Is done. The transaction information desired to be refunded is stored as transaction information in the customer database 202 of the server 2, and is stored as a transaction amount to be paid to the customer with the card company 20 as a member store (S304).

  When the monthly closing date is reached (S305), the transaction information to be tabulated this month is extracted from the transaction information stored in the customer database 202. The transaction amount of the extracted transaction information is aggregated by the aggregation means 203 (S306). Here, since both the amount charged to the customer and the amount paid to the customer are included in the transaction amount, these are settled by aggregation, and the statement creation unit 204 creates the statement 21 including this result. (S307). An example of the specification 21 created by the specification creation means 204 is shown in FIG. This specification 21 includes the same items as the specification shown in FIG. This month, the amount of goods purchased at member store 30 (XX department store) is charged with a positive value (2,000 yen), and the amount of goods purchased at member store 30 (△ □ automobile) is charged with a positive value. In the amount (3,000 yen), the amount returned by the point service from the card company 20 (○ △ card) is shown as a negative charge amount (minus 7,000 yen). Then, the total amount (minus 2,000 yen) obtained by summing up these values is shown to the customer as the billing amount this month. In this case, 2,000 yen is paid to the customer because the total amount is a negative value.

  FIG. 10 shows an example in which transaction information desired to be refunded is transmitted from the customer terminal 5 of the customer 50. The same operations as those in FIG. 9 are denoted by the same reference numerals. First, every time the customer 50 uses the member store 30, the transaction information is transmitted from the member store 30 to the server 2 (S301), the transaction information is accumulated in the customer database 202 of the server 2, and the points of the point service are stored. (S302). When the customer 50 wants to receive a refund based on the accumulated points, the customer terminal 5 connects to a home page provided by the card company 20 and confirms the number of points already accumulated by the customer 50. At this time, authentication is performed using an ID number or a password. And it confirms that the number of points has reached the number which can be refunded, and transmits the transaction information of refund hope including the desired refund amount (S401). The transaction information desired to be refunded is stored as transaction information in the customer database 202 of the server 2, and is stored as a transaction amount to be paid to the customer with the card company 20 as a member store (S304). Subsequent operations from S305 to S307 are the same as those in FIG.

  In this way, when the credit card customer 50 receives a refund using the point service, the terminal device 3 of the member store 30 transmits it to the server 2 as the transaction information desired to be refunded, and the customer terminal 5 of the customer 50 The transaction information desired to be refunded is transmitted to the server 2, but either or both may be configured. In either case, when the server 2 receives the transaction information desired to be refunded, it can be settled together with other transactions of the credit card. Thereby, for the customer 50, the refund service can be easily and effectively used, and the recognition of the service can be enhanced by being clearly shown in the specification. In addition, the card company 20 can simplify the administrative procedure for refund and can be fully utilized as a customer service.

  In this embodiment (2), the predetermined period for counting is assumed to be one month and the refund by the point service has been described as an operation for counting on the closing day of each month. However, the predetermined period is not limited to one month. For example, it may be configured so that it is aggregated every day, and when the customer desires a refund, the customer's account can be promptly transferred to the customer's account so that the customer service can be further improved.

It is a conceptual diagram of Embodiment (1). It is a block diagram of embodiment (1). It is a flowchart at the time of the insurance contract of embodiment (1). It is explanatory drawing at the time of the insurance contract of embodiment (1). It is a flowchart at the time of insurance cancellation of Embodiment (1). It is a figure which shows an example of the specification of embodiment (1). It is explanatory drawing at the time of insurance cancellation of embodiment (1). It is a conceptual diagram of Embodiment (2). It is a flowchart of operation | movement of Embodiment (2). It is a flowchart of operation | movement of Embodiment (2). It is a figure which shows an example of the specification of embodiment (2). It is explanatory drawing at the time of insurance cancellation of a prior art example.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Card payment system 2 Server 20 Card company 201 Receiving means 202 Customer database 203 Counting means 204 Specification preparation means 21 Description 3 Terminal device 30 Member store 301 Transmission means 302 Contractor database 31 Insurance company 4 Network 5 Customer terminal 50 Customer

Claims (3)

A transaction amount of a customer using a payment card, comprising a server, a terminal device of a member company of a card company, a terminal device of an insurance company, and a customer terminal of a customer, each connected to the server via a network Card settlement system
The server includes receiving means for receiving transaction information including a transaction amount of a customer sent via the network, a customer database for storing the transaction information received via the receiving means for each customer, and a predetermined period A totaling means for taking out and summing up the transaction amount for each customer from the customer database, and a statement creating means for creating a statement for the customer using the transaction information and the result totaled by the totaling means,
When the insurance contract is canceled after the customer pays the insurance fee to the insurance company using the payment card by installment payment using the payment card, the terminal device of the insurance company Transaction information with the amount of refund insurance that should be paid directly to the transaction amount as a negative amount is sent to the receiving means of the server via the network,
The customer database of the server is configured to store the minus transaction amount as the transaction amount to be paid from the card company to the customer in the transaction information received by the receiving unit of the server ,
The totaling means of the server extracts and totals the transaction amount from the customer database, and when the insurance premium is paid in installments using a settlement card when the insurance contract is canceled, It is configured to aggregate the remaining amount as the transaction amount charged to the customer,
The specification creating means of the server is configured to create a description indicating that the total amount is charged to the customer or to pay to the customer in accordance with the sign of the total amount of the totaling means ,
When the insurance company, the card company, and the customer pay the insurance premiums by installment payment, the refund insurance premium due to the cancellation of the insurance contract is recorded as a negative amount to the card company. A card payment system characterized by offsetting the balance of installment payments to the company .   The customer database contains a refund request transaction including a refund amount to be refunded to the customer with a point service accumulated according to the use of the payment card sent from the terminal device of the member store or the customer terminal of the customer via the network. 2. The card settlement system according to claim 1, wherein when the information is received by the receiving means, the return amount is stored as a transaction amount to be paid from the card company to the customer.   The card settlement system according to claim 2, wherein the tabulating unit is configured to tabulate the refund amount as a negative transaction amount.

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