JP5292647B2 - Sales transfer device and method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow a flexible transfer by diverting a function of a conventional system of a fixed transfer period. <P>SOLUTION: This sales transfer device includes a sales registration part 201 for receiving sales information from a member's store system 130, to be stored into a database 205, a canceling part 202 for retrieving the corresponding sales information from the database 205 to carry out deletion processing, when receiving a request of a purport of canceling a registered transaction, a sales calculating transfer part 203 for reading the sales information stored in the database 205 in each fixed period or the like, to totalize sales in every member's store, and for transmitting a transfer indication to a financial institution 140, and an early transfer processing part 204 for processing an early transfer of the sales to the member's shop, that is a feature of an embodiment, and executes the processing characteristic to the embodiment. The early transfer processing part 204 executes therein also processing in response to a request content by receiving an early transfer request from the member's store system 130, when executing the early transfer processing. <P>COPYRIGHT: (C)2010,JPO&amp;INPIT

Description

  The present invention relates to a sales transfer apparatus and method, and more particularly to a sales transfer apparatus and method for executing a transfer process when paying sales generated by a transaction such as settlement to a member store.

  Normally, in transactions such as credit cards, when a customer purchases goods at a merchant that has a contract with a credit company and the credit card is settled, the credit company stores sales information for each merchant for a certain period of time. For example, it is provided by dividing the sales of each member store twice a month and transferring it to the account of each member store. In recent years, when the credit card company approves the use of the card, the cash flow of the credit card member store can be made smooth by paying the credit card member store immediately, and the credit card member's cash flow can be made smooth. Since the usage transaction is paid for each transaction, a system that can easily manage the price settlement has been proposed (see, for example, Patent Document 1).

JP 2003-518305 A

  However, in the system according to Patent Document 1, usually even if there is no problem with the transfer every conventional period, a large amount of calculation processing is required because all the member stores make immediate payment at once. Will be forced to invest in complex systems.

  In general, there is no particular problem with the timing of sales transfer to a member store even once in half a month under normal circumstances. However, more flexible processing is expected when it becomes difficult to raise funds at the access point or when sudden expenses are required. In response to such market needs, a system such as Patent Document 1 requires a large-scale investment in the end, and it is not possible to deal with flexible member stores without greatly changing the current system. There is.

  The present invention has been made in view of such problems, and an object of the present invention is to provide a sales transfer apparatus and method capable of making a flexible transfer by utilizing the function of a conventional system with a fixed transfer period.

In order to achieve such an object, the invention described in claim 1 is a sales transfer instruction device, wherein when sales information is received by credit card settlement transaction, sales registration means for storing the sales information in the storage means; When a cancellation request for sales by credit card settlement transaction is received, a cancellation unit that searches and deletes the sales information that is the subject of the cancellation request from the storage unit, and the sales information that is stored in the storage unit for each predetermined period Sales calculation transfer means to send out a transfer instruction that instructs to extract the total amount of sales within a predetermined period and transfer the total amount to the account of the member store, and at any point in the predetermined period When an early transfer request for a transfer of sales is received, the cancellation means deletes the sales information corresponding to the amount of the early transfer from the storage means, and the sales calculation transfer In, characterized in that a premature transfer control means for transmitting a transfer instruction for instructing to transfer money amounts corresponding to sales of sales information for the amount of the early transfer to merchant accounts.

According to a second aspect of the present invention, in the sales transfer instruction device according to the first aspect, the early transfer request includes sales identification information for specifying a credit card settlement transaction, and the early transfer control means is included in the early transfer request. A transfer instruction of the amount of sales corresponding to the transaction specified by the transaction identification information is transmitted.

  The invention according to claim 3 is the sales transfer instruction device according to claim 1 or 2, wherein the early transfer control means responds to sales of sales information corresponding to the amount of the early transfer when the early transfer request is received. A transfer instruction is transmitted to instruct the transfer of an amount obtained by subtracting a predetermined early transfer fee to the account of the member store.

  According to a fourth aspect of the present invention, in the sales transfer instruction device according to any one of the first to third aspects, when the early transfer control means receives the early transfer request, the sales information corresponding to the amount of the early transfer is displayed. Send an instruction to transfer the amount corresponding to the sales amount minus the early discount amount multiplied by the early discount rate corresponding to the number of days from the start date of the most recent specified period to the request reception date. It is characterized by making it.

  According to a fifth aspect of the present invention, in the sales transfer instruction device according to any one of the first to fourth aspects, when the sales registration means receives the sales information by the credit card settlement transaction, the member who has made the credit card settlement transaction When the approval information sent to the store is transmitted and the early transfer control means receives the early transfer request, it determines whether or not the transmitted approval information is included in the received early transfer request, and the correct approval information is included. If not, no transfer instruction is given.

The invention according to claim 6 is a sales transfer instruction device, wherein when sales information by credit card settlement transaction is received, sales registration means for storing the sales information in the storage means, and a sales cancellation request by credit card settlement transaction. Upon receipt, the canceling means that searches for and deletes the sales information subject to the cancellation request from the storage means, and the early transfer request that requests the transfer of the sales by specifying the amount at any time within the predetermined period The sales information stored in the storage means is extracted for each member store from the date when the predetermined period starts until the date of receipt of the early transfer request, and the total amount is added to the virtual transfer account and extracted. Virtual account processing means for deleting sales information by cancellation means, and the transfer request amount included in the received early transfer request is from the remaining amount of the virtual transfer account Less time is characterized in that a revenue calculation transfer means for transmitting a transfer instruction for instructing to transfer money to transfer request amount to the merchant's account.

The invention according to claim 7 is a sales transfer instruction method, wherein a sales registration step of storing sales information in a storage means upon receipt of sales information by credit card settlement transaction , and a cancellation request for sales by credit card settlement transaction. When receiving, a cancellation step of searching for and deleting the sales information subject to the cancellation request from the storage means, and extracting the sales information stored in the storage means for each predetermined period for each member store, for a predetermined period A sales calculation transfer step for sending a transfer instruction instructing to transfer the aggregated amount of money to the account of the member store and an early transfer requesting the transfer of the sales at any point within a predetermined period When the request is received, the sales information corresponding to the early transfer amount is deleted from the storage means in the cancel step, and the sales calculation transfer step is performed. In, characterized in that a premature transfer control step of transmitting a transfer instruction for instructing to transfer money amounts corresponding to sales of sales information for the amount of the early transfer to merchant accounts.

The invention according to claim 8 is the sales transfer instruction method according to claim 7, wherein the early transfer request includes sales identification information for specifying a credit card settlement transaction, and the early transfer control step is included in the early transfer request. A transfer instruction of the amount of sales corresponding to the transaction specified by the transaction identification information is transmitted.

  The invention according to claim 9 is the sales transfer instruction method according to claim 7 or 8, wherein the early transfer control step corresponds to the sales of the sales information corresponding to the amount of the early transfer when the early transfer request is received. A transfer instruction is transmitted to instruct the transfer of an amount obtained by subtracting a predetermined early transfer fee to the account of the member store.

  According to a tenth aspect of the present invention, in the sales transfer instruction method according to any one of the seventh to ninth aspects, when the early transfer control step receives the early transfer request, the sales information corresponding to the amount of the early transfer is displayed. Send an instruction to transfer the amount corresponding to the sales amount minus the early discount amount multiplied by the early discount rate corresponding to the number of days from the start date of the most recent specified period to the request reception date. It is characterized by making it.

  The invention described in claim 11 is the sales transfer instruction method according to any one of claims 7 to 10, wherein when the sales registration step receives the sales information by the credit card settlement transaction, the member who performed the credit card settlement transaction When the approval information sent to the store is transmitted and the early transfer control step receives the early transfer request, it is determined whether the received approval information is included in the received early transfer request and the correct approval information is included. If not, no transfer instruction is given.

The invention described in claim 12 is a sales transfer instruction method, wherein a sales registration step of storing sales information in a storage means upon receipt of sales information by credit card settlement transaction , and a cancellation request for sales by credit card settlement transaction. Once received, a cancellation step that searches for and deletes the sales information that was the subject of the cancellation request from the storage means, and an early transfer request that requests the transfer of sales by specifying the amount at some point within the specified period The sales information stored in the storage means is extracted for each member store from the date when the predetermined period starts until the date of receipt of the early transfer request, and the total amount is added to the virtual transfer account and extracted. The virtual account processing step for deleting the sales information by the cancellation step and the transfer request amount included in the received early transfer request are temporarily When less than the remaining amount of the deposit account is characterized in that a revenue calculation transfer step of transmitting a transfer instruction for instructing to transfer money to transfer request amount to the merchant's account.

  The invention according to claim 13 is a program for causing a computer to execute a sales transfer instruction method. When the sales transfer instruction method receives sales information by credit card settlement transaction, the sales information is stored in the storage means. The sales registration step to be stored, the cancellation step to retrieve and delete the sales information subject to the cancellation request from the storage means upon receipt of the sales cancellation request by credit settlement, and the storage means stored for each predetermined period Sales calculation transfer step that extracts the sales information for each member store, aggregates the sales within a predetermined period, and sends a transfer instruction instructing the total amount to be transferred to the account of the member store, and within the predetermined period If you receive an early transfer request that requires a transfer of sales at any time of, in the cancel step, early transfer The sales information corresponding to the amount is deleted from the storage means, and in the sales calculation transfer step, the transfer instruction instructing to transfer the amount corresponding to the sales of the sales information corresponding to the amount of the early transfer to the account of the member store is transmitted at an early stage And a transfer control step.

The invention according to claim 14, a program, a program for executing the sales transfer instruction method on a computer, the sales transfer instruction method, the sales information in the storage means for receiving the sales information by credit card payment transactions A sales registration step to be stored, a cancellation step to search for and delete the sales information subject to the cancellation request from the storage means upon receipt of a sales cancellation request by credit settlement, and any time point within a predetermined period When receiving an early transfer request that requests a transfer of sales by specifying the amount, the sales information stored in the storage means is extracted for each member store from the date when the predetermined period starts to the date of receipt of the early transfer request. And adding the total amount to the virtual transfer account and deleting the extracted sales information through the cancellation step Sales calculation to send a transfer instruction instructing to transfer the transfer request amount to the account of the member store when the processing step and the transfer request amount included in the received early transfer request is less than the remaining amount of the virtual transfer account And a transfer step.

  As described above, according to the present invention, when an early transfer request for a transfer of sales is received at any point in time within a predetermined period, sales information corresponding to the amount of the early transfer is stored in the canceling means. Since it is deleted from the means, the sales calculation transfer means is provided with an early transfer control means for sending a transfer instruction instructing to transfer the amount corresponding to the sales of the sales information corresponding to the amount of the early transfer to the account of the member store. In addition, flexible transfer is possible by diverting the function of a conventional system with a fixed transfer period.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
(First embodiment)
FIG. 1 is a block diagram showing an entire system according to an embodiment of the present invention. In this embodiment, a credit card settlement system is assumed as a transaction of the present invention, and sales processed by using a credit card are processed. However, the present invention is also implemented in various transaction forms without being limited thereto. be able to.

  In the case of a conventional credit company member store, when a transaction at the store is performed by credit, for example, a credit card owned by the purchaser is presented and settlement is performed via the network using the credit card, for example, using a CAT terminal or the like. . As a result, the sales of the member store are recorded in the credit company, and the sales are periodically totaled and provided to the member store. In general, the sales aggregation period is about once every half a month, and the aggregated sales are often provided by transfer to the account of the member store.

(System configuration of this embodiment)
In the overall system of the present embodiment, the credit settlement processing system 110 and the member store terminal 130 are connected via a network 120. Here, the above systems or servers are connected to each other by some kind of network. This network can include the Internet, but on the other hand, it can also be connected via a dedicated line, or some exchanges can be made by fax or other conventional procedures. In addition, it is not necessary to adopt a specific standard or product for connection hardware or software, and the object of the present invention can be achieved if data can be exchanged by any method and configuration known in this technical field. be able to. In this specification, the system includes any one of a terminal, a server, and a database. However, in order to implement the present invention, data communication, data processing, and data management are possible even if it is not such. Any device and device can be used to configure the system.

  The credit settlement processing system 110 includes various servers (not shown) including a settlement processing server having various functions such as ordinary credit card settlement processing and sales aggregation associated therewith. However, the object of the present invention is achieved. Any function can be implemented on any server as long as possible. In the present specification, details other than the credit settlement processing server that is a part related to the present invention will not be described in detail, but this system as a whole is a necessary function conceivable in a system for performing credit settlement known in the technical field. In addition, it is assumed that corrections necessary to cope with the parts changed or added in this embodiment are added as appropriate.

  The settlement processing server or system is widely known in this technical field, and many devices having various methods and additional functions are known. Therefore, here, a part considered necessary for the description of this embodiment However, if necessary, it can be understood in consideration of such known techniques. The credit settlement processing system has a function of receiving sales information by credit transaction from the member store 130 via the network 120 and registering sales as a module for executing basic processing necessary in the present embodiment, and invoices to customers. A billing issue function for issuing a payment, a transfer processing function for transmitting a transfer (payment) instruction corresponding to sales information to a member store, a transmission / reception function for performing various data communications, and the like. Here, the credit settlement processing system 110 and the financial institution 140 are connected by, for example, a dedicated network. In general, the credit settlement processing system 110 and the financial institution 140 are not only used for the transfer process, but after that, the transfer amount is withdrawn from a predetermined account, the transfer is received, or the receipt is received. The transfer process is completed by the process of transmitting. In the present embodiment, such a process that accompanies or is necessary for the transfer process will not be described in particular. However, when the transfer process is referred to in the present embodiment, various technical fields that accompany or continue to be necessary. It is assumed that the process known in (1) is performed. Accordingly, a system that performs processing other than the transfer processing is included in the scope of the present invention, and of course, the transfer processing referred to here is incorporated in any form not described in this embodiment. Suppose that the whole thing can be called a transfer process.

  Further, the member store system 130 is a part that implements the processing of the member store side of the present embodiment, and specifically, a dedicated terminal (not shown) such as a CAT terminal or a POS with a credit authorization function included in the member store system 130. The credit card magnetic information and the IC chip information are read, and the transaction information, especially the payment amount, is input and transmitted via the network, and the member store terminal (not shown) included in the member store system 130 is also shown. ) Has an early transfer acceptance function that allows a member store representative to input an early transfer request, which is a feature of the present embodiment, in addition to various functions known in this technical field such as various inquiry functions. Here, the member store terminal of the member store system 130 includes a predetermined processor and database. However, the present invention is not limited to this, and the processing can be executed by one terminal. You can also implement the data separately. Although the detailed description of the early transfer reception function is omitted in the present specification, it is possible to provide and input information reception and input interfaces known in the technical field.

  In this embodiment, the exchange between the terminal and the server shown in FIG. 1 is described so that each server or terminal is processed by software and communicates via a network. However, the present invention is not limited to this. Information transmission between the member store terminal 130 and the credit settlement processing system 110 can also be performed by a conventional communication method such as FAX or e-mail.

(Module configuration of this embodiment)
The overall configuration of this system is as described above, but the terminals and servers that constitute the individual systems of this embodiment must have at least the functions of a normal computer that can be connected to a network. Under such hardware conditions, the processing of the individual system of the present embodiment is executed by installing a software program on such hardware. Each software can be shown in a module configuration as shown in FIG. 2, for example, but this is merely an example, and the functions of each module are further divided into several modules or the functions of several modules are integrated. It goes without saying that modules can be envisaged. The module configuration of the credit settlement processing system 110 will be described below. These modules are executed in cooperation with each other, and the processing of this embodiment described later is achieved.

  FIG. 2 is a diagram illustrating a module configuration of the credit settlement processing system 110. Upon receiving a sales registration unit 201 that receives sales information from the member store system 130 and stores it in the database 205, and receives a request to cancel the registered transaction, the credit settlement processing system 110 receives the corresponding sales information from the database 205. The cancel unit 202 that searches for and deletes the sales information, reads the sales information stored in the database 205 at regular intervals, aggregates the sales for each member store, and sends a transfer instruction to the financial institution 140 The transfer unit 203 and the early transfer processing unit 204 for processing the early transfer of sales to the member store, which is a feature of the present embodiment, are provided and the characteristic processing of the present embodiment is executed. Here, when executing the early transfer process, the early transfer processing unit 204 receives an early transfer request from the member store system 130 and also executes a process according to the request content.

  Since early transfer is generally performed by identifying the transaction, the early transfer request includes sales identification information that identifies the transaction, but not limited to this, use any information that can identify the transaction Can do. Further, when sales information is transmitted from the member store system 130 and credit settlement processing is performed, an approval number as approval information is transmitted to the member store system 130 to indicate that the settlement processing has been performed and sales have been registered. The In the present embodiment, when making an early transfer, the member store system 130 indicates that the request from the member store system 130 is for legitimate sales issued from the member store. Send including approval number. The early transfer processing unit 204 extracts an approval number from the received early transfer request, confirms whether or not the member store that is surely requesting the early transfer is valid using other information, and then proceeds to the next. Determine whether to execute the process. As described above, the early transfer request generally needs to include information necessary for requesting the transfer. In the present embodiment, such information includes, for example, the identification information of the member store, the approval number, and the sales identification. Information etc. can be used.

(Process of this embodiment)
The configuration of this embodiment has been described above, but the processing of this embodiment using the system having the above configuration will be described with reference to FIGS. FIG. 3 is a processing flowchart for explaining the entire credit settlement processing of the present embodiment. In the present embodiment, processing is performed along the entire processing flow shown in FIG. 3, but this is a typical flow of the system as in the present embodiment to the last, and it is necessary to always have such an order. However, it is also possible to change the partial order, replace a part of the procedure, or add a different procedure.

  First, when a transaction by credit is performed at the member store 130 and sales information is transmitted via the network 120, the sales registration unit 201 receives the sales information and stores it in the database 205 (S301, S302). In this way, sales information from the member store system 130 is accumulated, and the sales are transferred by summing up every certain period such as half a month. If an early transfer request is received during the certain period, this embodiment Execute early transfer which is a feature of. That is, it is checked whether or not an early transfer request has been received from the member store system 130 (S303), and if received, the early transfer processing unit 204 identifies a transaction based on the sales identification information included in the early transfer request, First, the sales information of the identified transaction is retrieved from the database 205 and deleted by the cancel unit 202 (S304). Here, the cancel unit 202 may delete the sales information actually stored in the database 205, or simply executes a cancel process by a method known in this technical field such as setting a flag. Further, the deleted sales information can be stored again as deleted information in another storage area or database, and can be used for various subsequent processes.

  After canceling the sales requested by the early transfer request, the early transfer processing unit 204 causes the sales calculation transfer unit 203 to transmit a transfer instruction so that the financial institution 140 transfers the sales amount to the account of the member store ( S306). Although not described in detail here, the financial institution system 140 that has received the transfer instruction transfers the specified amount to the specified account. Further, in the present embodiment, the canceled sales information is stored in any area, and the sales calculation transfer unit 203 uses the information to acquire the transfer amount and member store information, but is not limited thereto. It is also possible to perform cancellation processing after transmitting the transfer instruction. In this case, an area for temporarily storing sales information becomes unnecessary. Here, the received early transfer request can also include a plurality of sales identification information. In that case, the sales calculation transfer unit 203 uses all the canceled sales information and totals the transfer amount for each member store. calculate.

  Furthermore, in this embodiment, a discount according to a predetermined fee or early transfer is applied from the total sales amount, and the transfer amount is finally transferred to the member store account. For example, the predetermined fee may be a fee that is determined according to the sales amount applied even in a normal transfer, or may be a fee that is different from a normal one for early transfer. In addition, early transfer is great for merchants in that they can obtain cash first, but for credit companies a certain amount of discount is allowed because the profit on the deadline will be lost. As a discount, any method known in this technical field can be used, such as calculating by multiplying the sales amount by setting a discount rate, or determining a discount amount for each sales amount. For example, since the transfer amount should be transferred every half month, the discount rate and the discount amount can be determined with a certain degree of relevance, such as proportional to the lost profit, that is, proportional to the remaining period. . FIG. 4 shows the flow of the above processing. In the present embodiment, a discount rate determined for each remaining period is applied.

  When a certain period of time such as the above half month elapses, the sales information stored in the database 205 at that time is aggregated for each member store and a transfer process is performed (S307). In this way, since the sales information already transferred early is deleted, the transfer amount for each normal period can be obtained by subtracting the amount already transferred by the early transfer.

  As described above, in the present embodiment, the early transfer processing unit 204 uses the conventional system assets such as the sales registration unit 201, the cancel unit 202, and the sales calculation transfer unit 203 to perform early transfer in response to an early transfer request. By making it possible, it is possible to provide a flexible credit settlement process that meets the needs of member stores.

(Second Embodiment)
In the present embodiment, a variation of the early transfer request is provided by using the credit settlement processing system 110 that is basically the same as that used in the first embodiment. That is, in the first embodiment, an early transfer request is made for each transaction, and the amount of money that can be transferred may not necessarily be required by the member store at that time. If so, at least a combination that exceeds the required amount must be specified, so an extra amount is transferred. However, as mentioned above, the actual transfer amount will be the amount after commissions and discounts, so as long as there are factors that change according to these amounts, an early transfer request should be made so as not to give as much extra money as possible It is necessary to do.

  Therefore, in the present embodiment, assuming a virtual account for each member store, by collecting and storing and managing sales here, it is possible to specify an amount instead of each sales and make an early transfer request To do. FIG. 5 is a diagram showing a module configuration of the credit settlement processing system of the present embodiment. Basically, the sales registration unit 201, cancellation unit 202, sales calculation transfer unit 203, and early transfer processing unit 204 are the same as those in the first embodiment described above, but in this embodiment, virtual accounts are stored and managed. A virtual account processing unit 501 is specially provided. Here, the virtual account can be configured in the database 502 or can be arranged in another storage unit.

(Process of this embodiment)
Although the configuration of the present embodiment has been described above, the processing of the present embodiment using the system having the above configuration will be described with reference to FIG. FIG. 6 is a processing flowchart for explaining the overall processing of the present embodiment. In this embodiment, processing is performed along the entire processing flow shown in FIG. 6, but this is a typical flow of the system as in this embodiment to the last, and it is not necessary to always be in this order. However, it is also possible to change the partial order, replace a part of the procedure, or add a different procedure.

  First, when a transaction by credit is performed in the member store 130 and sales information is transmitted via the network 120, the sales registration unit 201 receives the sales information and stores it in the database 205 (S301, S302). Processing is the same as in the first embodiment. In this way, sales information from the member store system 130 is accumulated, and the sales are transferred by summing up every certain period such as half a month. If an early transfer request is received during the certain period, this embodiment Execute early transfer which is a feature of. That is, it is checked whether or not an early transfer request has been received from the member store system 130 (S303), and if received, the early transfer processing unit 204 identifies a transaction based on the sales identification information included in the early transfer request, First, the sales information of the identified transaction is retrieved from the database 205 and deleted by the cancel unit 202 (S304). This process is also the same as in the first embodiment. After canceling the sales requested by the early transfer request, the virtual account processing unit 501 stores the sales amount in the virtual account (S601). Here, since the virtual account is initialized at the start of a certain period, if an early transfer request is received for the first time within that period, the virtual account is zero at that time, so it is stored at that time Aggregate sales information and deposit into a virtual account. If sales have already been deposited in the virtual account, the amount obtained by adding the new sales amount to the amount is deposited in the virtual account.

  In this way, the sales amount based on the sales information transmitted so far is included in the virtual account. Here, the early transfer request of the present embodiment includes at least the desired amount of money to be transferred, and if this desired amount is less than the balance of the virtual account at that time, the early transfer processing unit 204 indicates the desired amount of money. The transfer instruction for transfer is transmitted to the account of the financial institution of the other, and the virtual account processing 501 is caused to reduce the balance of the virtual account by the amount transferred. Here, a fee or a discount can be applied to the amount to be transferred, as in the first embodiment described above.

  In the present embodiment, sales are accumulated in the virtual account when an early transfer request is received. However, the present invention is not limited to this, and any method known in this technical field can be used. For example, sales can be calculated and stored in a virtual account each time sales information is transmitted and credit payment is made.

  As described above, in the present embodiment, by providing a virtual account, a member store can designate an amount required and make an early transfer request, so an unnecessary extra amount does not occur and a predetermined fee or It is possible to provide a system that does not require the discount member stores to be reduced according to the early transfer.

1 is a diagram illustrating a configuration of an entire system according to an embodiment of the present invention. It is a block diagram which shows the module structure of the credit payment processing server of one Embodiment of this invention. It is a processing flowchart for demonstrating the whole credit payment process of this embodiment. It is a processing flowchart for demonstrating the credit payment determination processing of this embodiment. It is a block diagram which shows the module structure of the credit payment processing server of another one Embodiment of this invention. It is a processing flowchart for demonstrating the whole credit payment process of another embodiment.

Explanation of symbols

110 credit settlement processing system 120 network 130 member store system 140 financial institution system 201 sales registration unit 202 cancellation unit 203 sales calculation transfer unit 204 early transfer processing unit 205, 502 database 501 virtual account processing unit

Claims (14)

Sales registration means for storing the sales information in the storage means when receiving the sales information by credit card settlement transaction;
Canceling means for searching for and deleting sales information subject to the cancellation request from the storage means upon receiving a cancellation request for sales by the credit card settlement transaction ;
Transfer for instructing to extract the sales information stored in the storage means for each predetermined period for each member store, totaling sales within the predetermined period, and transferring the total amount to the account of the member store Sales calculation transfer means to send instructions,
Upon receipt of an early transfer request that requests a transfer of sales at any point in time within the predetermined period, the cancellation unit deletes the sales information corresponding to the amount of the early transfer from the storage unit, and the sales calculation transfer Sales transfer, characterized in that the means includes an early transfer control means for transmitting a transfer instruction instructing to transfer an amount corresponding to sales of sales information corresponding to the amount of the early transfer to the account of the member store Pointing device. The early transfer request includes sales identification information that identifies the credit card payment transaction,
2. The sales transfer instruction apparatus according to claim 1, wherein the early transfer control means transmits a transfer instruction of a sales amount corresponding to a transaction specified by transaction identification information included in the early transfer request.   When the early transfer request is received, the early transfer control means subtracts a predetermined early transfer fee from the amount corresponding to the sales information corresponding to the amount of the early transfer to the account of the member store. The sales transfer instruction device according to claim 1 or 2, wherein a transfer instruction for instructing a transfer is transmitted.   When the early transfer control means receives the early transfer request, it corresponds to the number of days from the most recent predetermined period start date to the request reception date from the amount corresponding to the sales information sales corresponding to the early transfer amount. 4. A sales transfer instruction device according to claim 1, wherein an instruction for transferring an amount obtained by subtracting an early discount amount multiplied by an early discount rate to be transferred to an account of the member store is transmitted. . When the sales registration means receives the sales information by the credit card settlement transaction, the sales registration means transmits approval information to the member store that has performed the credit card settlement transaction,
When the early transfer request is received, the early transfer control means determines whether or not the transmitted approval information is included in the received early transfer request, and when the correct approval information is not included, 5. The sales transfer instruction device according to claim 1, wherein no transfer instruction is given. Sales registration means for storing the sales information in the storage means when receiving the sales information by credit card settlement transaction;
Upon receiving a cancellation request for sales by the credit card settlement transaction, a canceling unit that searches and deletes the sales information that is the target of the cancellation request from the storage unit;
When receiving an early transfer request for requesting a transfer of sales by specifying an amount at any time within a predetermined period, from the date when the predetermined period starts until the date of receipt of the early transfer request, the storage means Virtual account processing means for extracting the sales information stored in the store for each member store and adding the total amount to the virtual transfer account, and deleting the extracted sales information by the cancellation means,
Sales calculation transfer means for transmitting a transfer instruction instructing the transfer request amount to be transferred to the account of the member store when the transfer request amount included in the received early transfer request is less than the remaining amount of the virtual transfer account And a sales transfer instruction device. A sales registration step of storing the sales information in the storage means when receiving the sales information by the credit card settlement transaction;
A cancellation step of searching for and deleting the sales information subject to the cancellation request from the storage means upon receiving a cancellation request for sales by the credit card settlement transaction ;
The sales information stored in the storage means for each predetermined period is extracted for each member store, the sales within the predetermined period are totaled, and an instruction is given to transfer the total amount to the member store account. Sales calculation transfer step to send the transfer instruction,
Upon receipt of an early transfer request that requests a transfer of sales at any time within the predetermined period, in the cancellation step, sales information corresponding to the amount of the early transfer is deleted from the storage means, and the sales calculation transfer In the step, there is provided an early transfer control step for sending a transfer instruction instructing to transfer an amount corresponding to sales of sales information corresponding to the amount of the early transfer to an account of the member store. Instruction method. The early transfer request includes sales identification information that identifies the credit card payment transaction,
8. The sales transfer instruction method according to claim 7, wherein the early transfer control step transmits a transfer instruction of a sales amount corresponding to a transaction specified by transaction identification information included in the early transfer request.   In the early transfer control step, when the early transfer request is received, an amount obtained by subtracting a predetermined early transfer fee from an amount corresponding to sales of sales information corresponding to the amount of the early transfer is stored in the account of the member store. 9. The sales transfer instruction method according to claim 7, wherein a transfer instruction for instructing transfer is transmitted.   When the early transfer request is received, the early transfer control step corresponds to the number of days from the most recent predetermined period start date to the request reception date from the amount corresponding to the sales information sales corresponding to the early transfer amount. 10. A sales transfer instruction method according to claim 7, further comprising: transmitting a transfer instruction that instructs to transfer an amount obtained by subtracting an early discount amount multiplied by an early discount rate to the account of the member store. . In the sales registration step, when the sales information by the credit card settlement transaction is received, the approval information to the member store that has performed the credit card settlement transaction is transmitted,
In the case of receiving the early transfer request, the early transfer control step determines whether or not the transmitted approval information is included in the received early transfer request, and when the correct approval information is not included, 11. The sales transfer instruction method according to claim 7, wherein no transfer instruction is performed. A sales registration step of storing the sales information in the storage means when receiving the sales information by the credit card settlement transaction;
When receiving a cancellation request for sales by the credit card settlement transaction, a cancellation step of searching for and deleting the sales information subject to the cancellation request from the storage means;
When receiving an early transfer request for requesting a transfer of sales by specifying an amount at any time within a predetermined period, from the date when the predetermined period starts until the date of receipt of the early transfer request, the storage means A virtual account processing step of extracting the sales information stored in the member store and adding the total amount to the virtual transfer account, and deleting the extracted sales information by the cancellation step;
Sales calculation transfer step of transmitting a transfer instruction instructing the transfer request amount to be transferred to the account of the member store when the transfer request amount included in the received early transfer request is less than the remaining amount of the virtual transfer account A sales transfer instruction method characterized by comprising: A program for causing a computer to execute a sales transfer instruction method, wherein the sales transfer instruction method includes:
A sales registration step of storing the sales information in the storage means when receiving the sales information by the credit card settlement transaction;
A cancellation step of retrieving and deleting the sales information subject to the cancellation request from the storage means upon receipt of the sales cancellation request by the credit settlement;
The sales information stored in the storage means for each predetermined period is extracted for each member store, the sales within the predetermined period are totaled, and an instruction is given to transfer the total amount to the member store account. Sales calculation transfer step to send the transfer instruction,
Upon receipt of an early transfer request that requests a transfer of sales at any time within the predetermined period, in the cancellation step, sales information corresponding to the amount of the early transfer is deleted from the storage means, and the sales calculation transfer In the step, an early transfer control step of transmitting a transfer instruction instructing to transfer an amount corresponding to sales of sales information corresponding to the amount of the early transfer to an account of the member store is provided. A program for causing a computer to execute a sales transfer instruction method, wherein the sales transfer instruction method includes:
A sales registration step of storing the sales information in the storage means when receiving the sales information by the credit card settlement transaction;
When receiving a cancellation request for sales by credit settlement, a cancellation step of searching for and deleting sales information subject to the cancellation request from the storage means;
When receiving an early transfer request for requesting a transfer of sales by specifying an amount at any time within a predetermined period, from the date when the predetermined period starts until the date of receipt of the early transfer request, the storage means A virtual account processing step of extracting the sales information stored in the member store and adding the total amount to the virtual transfer account, and deleting the extracted sales information by the cancellation step;
Sales calculation transfer step of transmitting a transfer instruction instructing the transfer request amount to be transferred to the account of the member store when the transfer request amount included in the received early transfer request is less than the remaining amount of the virtual transfer account A program characterized by comprising and.

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