JP5507123B2 - Transaction management apparatus, transaction processing system, and transaction management method - Google Patents

Description

  The present invention is located between a store-side terminal and a financial institution, a transaction management device that processes a card transaction using a payment card such as a credit card or a debit card, and a transaction processing system to which the transaction management device is applied And a transaction management method in the transaction management apparatus.

  Conventionally, a transaction processing system for processing a card transaction using a credit card or a payment card such as a debit card has been constructed. In stores and shopping streets, various events such as discount sales and bargaining sales are being conducted in order to encourage customers to purchase and improve sales.

  For example, Patent Document 1 describes a transaction processing system that performs forklift using a processing sequence number assigned to a transaction using a payment card. In addition, it is stated that if the customer wins the merchandise, the customer will purchase the merchandise purchased by the customer and then cancel the card transaction with the customer. ing.

JP 2002-329031 A

However, in stores and shopping streets, the number of customers who visit the store increases during the period of the event, but the decrease in the number of customers who visit during the period when the event is not performed cannot be suppressed. On the other hand, there are stores and shopping streets that offer point services that give customers points according to the transaction amount without limiting the period, but customers are members of the point service at the time of transaction processing. You must present a membership card such as a point card to show that there is. In other words, the customer in order to receive the provision of point services, had to carry a membership card indicating the member der Rukoto. Further, in stores, shopping streets, etc., there is a problem that a membership card must be issued to the member, and the cost of issuing the membership card is high.

  An object of the present invention is to eliminate the troublesomeness of a customer who carries a membership card by making the membership card unnecessary, and to eliminate the burden of issuing the membership card, a transaction management device, a transaction processing system, and a transaction To provide a management method.

  In addition, the present invention provides a transaction management device, a transaction processing system, and a transaction management method that can increase a customer's repeat rate by differentiating services to be provided according to past transaction results. With the goal.

  In order to achieve the above object, the present invention is configured as follows.

  When the transaction management apparatus according to the present invention receives an authentication request for the card transaction including transaction information regarding the card transaction from the store side terminal, the transaction management device transmits (transfers) the authentication request to the financial institution. Further, when the card transaction authentication result is received from the financial institution, it is transmitted (transferred) to the store side terminal. The store-side terminal is a known CAT (Credit Authorization Terminal) terminal that processes a credit transaction, a debit transaction, and the like.

The member information storage means stores member information including the card number of the settlement card used for card transactions for each member. In other words, a person whose member information is registered is treated as a member. The transaction information storage means stores transaction information relating to card transactions in an accumulative manner . Further, the period setting means individually sets the application period of the cashback service and the actual period corresponding to the application period of the cashback service. Further, the upper limit value setting means sets the upper limit value of the cash back amount for each member according to the transaction amount of the member in the actual period corresponding to the application period of the cash back service set by the period setting means.
In addition, the determination unit determines whether or not the cash back service is applicable for each card transaction in the application period of the cash back service set by the period setting unit for each member at a predetermined timing. The timing for determining whether to apply the cashback service may be, for example, a specific day such as the first day of every month or a specific day of the week such as every Monday.

  The transaction information creation means creates cashback transaction information to which the cashback service is applied for the card transaction that the determination means determines to be applicable to the cashback service. The cashback transaction information includes transaction information for canceling the card transaction when the target card transaction is a credit transaction, and transaction information in which a cashback service is applied to the card transaction. Also, if the target card transaction is a debit transaction, the difference between the transaction amount of this card transaction and the transaction that applies the cashback service to this card transaction should be transaction information that is transferred to the corresponding account. Good.

  Then, the transmission means transmits an authentication request including the cashback transaction information created by the transaction information creation means to the financial institution.

  In this way, the member can receive the cashback service although there is a time delay. That is, the service provided can be differentiated between members and non-members. In addition, since the member card is not issued to the member, the member does not feel bothered to carry the member card, and the store or the like can eliminate the cost burden for issuing the member card.

  The member registration may be configured such that the applicant can register using the Internet or the like.

In addition, the application period (cashback service period) in which the cashback service can be received and the actual period corresponding to the application period of the cashback service can be set individually, and the transaction amount of the member in this actual period can be set Correspondingly, since the corresponding application period is configured to set the upper limit of cashback amount to be cash back, even period not offer cash back service (time period that is not set in the application period), By setting the actual period, the decline in the number of customers visiting the store can be suppressed. Thus, the repeat business, and customer otherwise, between, thereby differentiating them service provided, it is possible to increase customer loyalty.

  According to the present invention, by eliminating the membership card, it is possible to eliminate the troublesomeness of the customer carrying the membership card and to eliminate the cost burden for issuing the membership card.

It is a figure which shows the structure of a transaction processing system. It is a block diagram which shows the structure of the principal part of a transaction management apparatus. It is a figure which shows the member information registered into the member information database. It is a figure which shows the transaction history information registered into the transaction history database. It is a flowchart which shows the operation | movement concerning member registration. It is a flowchart which shows the transaction processing using a payment card. It is a flowchart which shows the process which provides a cashback service with respect to a member.

  Embodiments of the present invention will be described below.

  FIG. 1 is a diagram showing a configuration of a transaction processing system. This transaction processing system includes a transaction management device 1 and a plurality of CATs 2 (Credit Authorization Terminal). The transaction management device 1 is installed in an operation center and manages card transactions using a payment card at each store. The payment card here is a credit card or a debit card. CAT2 is installed in a store, and transaction information relating to card transactions is input. The transaction management device 1 and each CAT 2 are connected via a network such as a public line or a dedicated line.

  Note that the number of CATs 2 connected to the transaction management apparatus 1 is not particularly limited, and may be one or plural.

  The transaction management apparatus 1 is connected to a financial institution 3 that authenticates whether or not a card transaction using a payment card is possible. The financial institution 3 is a credit card company or a bank. Communication between the transaction management apparatus 1 and the financial institution 3 is performed via a CAFIS (Credit And Finance Information Switching System) (not shown). As is well known, CAFIS determines the financial institution 3 (financial institution 3 that issued the used payment card) that requires authentication of the card transaction using the payment card, and sends the card transaction to the financial institution 3. Forward authentication request. Also, the authentication result of the card transaction obtained from the financial institution 3 is returned to the transaction management device 1.

  Further, the transaction management apparatus 1 accepts member registration on a member registration page published on the Internet. In other words, a user who wishes to register as a member can register as a member by accessing the member registration page on the personal computer 4 and inputting necessary information (address, name, payment card number, etc.). The member can also check his / her transaction history and the like on the personal computer 4.

  This transaction system provides a cashback service for returning a part of the transaction amount to a member. This cashback service is not provided to non-members. That is, the service for members and non-members is differentiated depending on the presence or absence of a cashback service. Thereby, the customer can feel the merit of registering as a member. In addition, a member card or other medium is not issued to the member.

  In addition, the application period for providing the cashback service can be arbitrarily set on the store or shopping street side. That is, a store or a shopping street can freely determine an application period for providing a cashback service. For example, for the purpose of increasing the number of customers visiting during the off-season, this off-season can be defined as the application period for providing the cash back service.

  In addition, this transaction processing system sets, for each member, an upper limit value of the cash back amount to be cashed back based on the past transaction amount results. The period that is referred to when setting the upper limit of the cashback amount is referred to herein as the actual period. That is, this transaction processing system differentiates services to be provided among members according to past transaction results.

  FIG. 2 is a block diagram showing a configuration of a main part of the transaction management apparatus. The transaction management apparatus 1 includes a control unit 10, a terminal processing unit 11, an authentication processing unit 12, a Web processing unit 13, a member information database 14, and a transaction history database 15. The control part 10 controls operation | movement of each part of the transaction management apparatus 1 main body.

  The terminal processing unit 11 controls data communication with the CAT 2 installed in each store. Since CAT2 is publicly known, detailed description thereof is omitted here. The authentication processing unit 12 controls data communication with the financial institution 3 via CAFIS (not shown). The Web processing unit 13 accepts access from the personal computer 4 to a page published on the Internet, and performs processing according to the access. The member information database 14 is a database in which member information is registered for each member registered in the transaction system. The transaction history database 15 is a database in which the contents of the card transaction are registered for each processed card transaction regardless of whether it is a member or a non-member.

  FIG. 3 is a diagram showing member information registered in the member information database. FIG. 3A is a diagram showing member information of a member who uses a payment card as a credit card, and FIG. 3B shows member information of a member who uses a payment card as a debit card.

  The member information of a member whose settlement card is a credit card includes a card company code, a card number (member number), a cashback balance, and an expiration date. The card company code is a code for identifying a credit card company. The card number is a credit card number. The transaction management apparatus 1 uses a card company code and a card number as a membership number. The cashback balance is the balance of the cashback amount that the member can receive. The expiration date is the expiration date of the cashback balance.

  The member information of a member whose settlement card is a debit card is information in which a bank code, a branch code, an account number, an account name, a cashback balance, and an expiration date are associated with each other. The bank code is a code for identifying a bank. The branch code is a code indicating a branch where a corresponding account is opened. The account number is the account number of the corresponding account. The transaction management apparatus 1 uses a bank code, a branch code, and an account number as a member number. The account name is the name of the account. The cashback balance and the expiration date are the same as those of the credit card described above.

  FIG. 4 is a diagram showing transaction history information registered in the transaction history database. In the transaction history database 15, for each card transaction using a payment card, transaction information relating to the card transaction is accumulated. The transaction information includes a transaction date, a store code, a product code, a card number, a transaction amount, a processing serial number, and the like. The transaction date is data indicating the date on which the card transaction is processed. The store code is a code indicating a store that has processed the card transaction. The product code is a code indicating a product related to the card transaction. The card number is a number composed of a card company code and a card number when the payment card used is a credit card, and a number composed of a bank code, a branch code and an account number when the payment card is a debit card. The transaction amount is the settlement amount of this card transaction. The process serial number is a process number assigned to the card transaction by CAFIS when the card transaction is authenticated.

  Next, the operation of the transaction management apparatus 1 will be described.

  First, the operation at the time of member registration will be described. FIG. 5 is a flowchart showing the process for member registration. The transaction management apparatus 1 waits for a member registration request from the customer in the Web processing unit 13 (s1). Specifically, it waits for access to the member registration page published on the Internet. A person who wants to register as a member (hereinafter referred to as a person who wants to register) operates the personal computer 4 to access a member registration page published on the Internet. The registration applicant inputs necessary items on this member registration page and operates a button for inputting a member registration request.

  The Web processing unit 13 determines whether items necessary for member registration have been input without a shortage (s2). If the Web processing unit 13 determines that the items necessary for member registration are insufficient, the Web processing unit 13 requests the registration applicant (the personal computer 4 that has transmitted the member registration request this time) to input the missing items (s3). ), Return to s1. The item necessary for member registration is member information related to registration in the member information database 14 described above, and differs depending on the type of payment card used (credit card, debit card). This also includes passwords and the like.

  If the Web processing unit 13 determines in s2 that the items necessary for member registration are not insufficient, the Web processing unit 13 creates member information regarding the applicant for registration (s4). The Web processing unit 13 registers the member information created in s4 in the member information database 14 (s5), and ends the member registration for the registration applicant. At this time, the registration completion is notified to the current registration applicant (the personal computer 4 that has transmitted the member registration request this time).

  In this way, a registration applicant can perform member registration by accessing a member registration page published on the Internet and inputting necessary items.

  Next, transaction processing using a payment card at a store will be described. This transaction processing is the same regardless of whether the cashback service is provided or not. FIG. 6 is a flowchart showing transaction processing using a payment card.

  At the store, the CAT 2 inputs a product code of a product to be traded with a customer and reads card information recorded on a card used for settlement of the transaction amount. The CAT 2 creates a card transaction authentication request including a store code indicating an installed store, a product code, a transaction amount, card information, and the like, and transmits this request to the transaction management apparatus 1. As described above, CAT2 is the same as a known one.

  Upon receiving the card transaction authentication request transmitted from the CAT 2 at the authentication processing unit 12 (s11), the transaction management device 1 transfers the authentication request to the corresponding financial institution 3 via the CAFIS (s12). ).

  In the financial institution 3, the card information included in the received authentication request is used to validate / invalidate the payment card used in the current card transaction, and the current card transaction is within the credit limit. Whether or not this card transaction is possible is comprehensively authenticated. The financial institution 3 notifies the authentication result to the transaction management apparatus 1 via CAFIS. Further, CAFIS assigns a processing serial number for identifying the current transaction to the authentication request received from the transaction management apparatus 1. The authentication result also includes this processing sequence number.

  When the transaction management apparatus 1 receives the authentication result for the current card transaction in the financial institution 3 via CAFIS (s13), the transaction management apparatus 1 transfers the authentication result to the CAT 2 (s14).

  The CAT 2 processes the transaction according to the authentication result and notifies the transaction management apparatus 1 of the transaction result. This transaction result includes a transaction date, a store code, a product code, a card number, a transaction amount, and a processing serial number.

  When the transaction result is notified from the CAT 2 (s15), the transaction management device 1 creates transaction history information based on the transaction result (s16). Then, the transaction management apparatus 1 stores the created transaction history information in the transaction history database 15 (s17).

  In this way, the transaction management device 1 determines whether or not it is an application period in which a cashback service is provided, and for each card transaction using a payment card, regardless of whether it is a member or a non-member. Transaction history information is created and stored in the transaction history database 15. In other words, the transaction management device 1 stores the transaction history information in the transaction history database 15 for each card transaction processed by the connected CAT 2.

  FIG. 7 is a flowchart showing a process for executing a cashback service for a member.

  The transaction management apparatus 1 receives an application period for providing a cashback service and an actual period for setting an upper limit value of an amount to be cashed back (cashback amount) during the application period. The actual period is preferably set to a period before the application period. For example, the performance period is April 1 to April 30, 2009, and the application period is May 1 to May 31, 2009.

  The transaction management device 1 calculates the upper limit value of the cashback amount of each member (s22) when the upper limit value calculation timing of the cashback amount is reached (s21). The upper limit calculation timing of the cashback amount is a timing that is set after the performance period for the current cashback service has elapsed. In s22, using the transaction history information stored in the transaction history database 15, the total transaction amount for the card transaction in the performance period is calculated for each member. Then, a first amount obtained by multiplying the total transaction amount by a predetermined setting rate (for example, 50%) is calculated. For example, if the member has a total transaction amount of 50000 yen in the performance period, 25000 yen multiplied by 50% is calculated as the first amount. Then, a predetermined second amount (for example, 20,000 yen) is compared with the first amount calculated previously, and the lower amount is set as the upper limit of the cashback amount.

  When the transaction management device 1 calculates the upper limit of the cashback amount for each member, the transaction management device 1 updates the cashback balance and the expiration date for the member information stored in the member information database 14 (s23). In s23, for each member, the cashback balance is updated to the upper limit value of the cashback amount calculated for the member. Also, the expiration date is updated on the last day of the application period of this cashback service.

  Further, the transaction management device 1 accepts the processing target period when the cashback processing is executed (s24, s25). This processing target period is within the application period of the current cash back service, and has already elapsed. The transaction management apparatus 1 performs the process after s25 mentioned later about this process target period. For example, when the application period is from May 1 to May 31, 2009, the processing target period can be from May 1 to May 31, 2009, or from May 1 to May 10, 2009. The process can be divided into a day, May 11 to May 20, 2009, and May 21 to May 31, 2009, and the processes after s25 can be performed.

  The transaction management device 1 determines whether or not the card transaction is a transaction by a member for each transaction history information within the processing target period recorded in the transaction history database 15 (s26). If transaction management device 1 determines that it is not a card transaction by a member in s26, it proceeds to s36.

If transaction management device 1 determines that it is a card transaction by a member in s26, it calculates a cashback amount for this card transaction (s27). For example, in s27, 10% of the transaction amount of the card transaction is calculated as the cash back amount. The transaction management device 1 compares the cashback amount calculated in s27 with the cashback balance of the corresponding member (s2 8 ). If the corresponding member's cashback balance is equal to or greater than the cashback amount calculated in s27, the transaction management apparatus 1 determines the cashback amount for the card transaction as the cashback amount calculated in s27 (s29). On the other hand, if the cashback balance of the corresponding member is less than the cashback amount calculated in s27, the transaction management apparatus 1 determines the cashback amount for the card transaction as the cashback balance of the corresponding member (s30). . The transaction management device 1 updates the cashback balance of the corresponding customer to a value obtained by reducing the cashback amount determined in s29 or s30 (s31).

  The transaction management device 1 determines whether the card transaction to be processed is a credit card transaction or a debit card transaction (s32). If the transaction management device 1 is a credit card transaction, the transaction management device 1 creates transaction cancellation information for canceling the card transaction to be processed, and new transaction information obtained by reducing the transaction amount by the cashback amount determined in s29 or s30. Create (s33, s34). On the other hand, if the card transaction to be processed is debit, the transaction management device 1 creates transfer transaction information for transferring the cashback amount determined in s29 or s30 to the corresponding customer's account (s35).

  The transaction management device 1 determines the presence / absence of unprocessed transaction history information (s36), and if there is unprocessed transaction history information, repeats the processing from s26 described above. If the transaction management device 1 determines that there is no unprocessed transaction history information in s36, the transaction cancellation information created in s33, the new transaction information created in s34, and the transfer transaction information created in s35 are sent to the financial institution 3. Transmit (s37).

  Thereby, if it is a credit card transaction, the amount corresponding to the cash back amount is refunded to the member. In the case of a debit card transaction, a transfer corresponding to the cash back amount is made to the corresponding account. That is, a cash back service can be executed for the member.

  Further, the member does not need to carry a member card or a coupon ticket and present the member card or the coupon ticket at the time of a transaction as in the conventional case, so that the troublesomeness of the customer can be eliminated. Further, since it is not necessary to issue a membership card at a store or the like, the cost for issuing the membership card is not required.

  In addition, since the upper limit of the amount to be cashed back in the application period is set according to the total transaction amount in the performance period, a decrease in the number of customers during the period when the cashback service is not performed can be suppressed.

  Therefore, it is possible to efficiently secure repeat customers and improve sales in stores and shopping streets.

  In addition, it is possible to determine an application period for implementing the cashback service without being affected by the closing date of the credit card company.

  In the above example, the upper limit value of the cashback amount in the application period is set according to the total transaction amount in the actual period. However, the upper limit value may be fixed to a fixed amount. Further, this upper limit value may be eliminated.

  In addition, the member may operate the personal computer 4 so that his / her member information registered in the member information database 14 can be confirmed. In this case, in order to ensure security, it is only necessary to enter a password.

  Furthermore, the products for which the cash back service can be received may be limited.

1-transaction management device 2-CAT
3-Financial institution 10-Control unit 11-Terminal processing unit 12-Authentication processing unit 13-Web processing unit 14-Member information database 15-Transaction history database

Claims (6)

In the transaction management device that receives transaction information relating to card transactions from the store side terminal, transmits an authentication request for the card transaction including this transaction information to a financial institution, and acquires an authentication result.
Member information storage means for storing member information including the card number of a settlement card used for card transactions for each member;
Transaction information storage means for accumulatively storing transaction information relating to card transactions;
A period setting means for individually setting an application period of the cashback service and an actual period corresponding to the application period of the cashback service;
For each member, an upper limit setting means for setting an upper limit value of the cashback amount according to the transaction amount of the member in the performance period corresponding to the application period of the cashback service set by the period setting means;
For each member whose membership information is stored in the membership information storage means at a predetermined timing, it is determined whether or not the cashback service is applicable for each card transaction in the cashback service application period set by the period setting means. Determination means to perform,
Transaction information creating means for creating cash back transaction information applying the cash back service for the card transaction determined by the judging means to be applicable to the cash back service;
Transmitting means for transmitting an authentication request including cashback transaction information created by the transaction information creating means to a financial institution,
If the card transaction determined by the determining means that the cashback service is applicable is a credit transaction, the transaction information creating means is a transaction information for canceling the card transaction as the cashback transaction information, and for the card transaction. A transaction management device, which is a means for creating transaction information to which a cashback service is applied.   If the card transaction determined by the determining means that the cashback service is applicable is a debit transaction, the transaction information creating means is configured to use the card transaction and the cashback service for the card transaction as the cashback transaction information. The transaction management device according to claim 1, which is means for creating transaction information in which a difference between a transaction amount and a transaction to which the transaction is applied is transferred to a corresponding account. The transaction information creating means creates cashback transaction information for each member within a range not exceeding the upper limit of the cashback amount set by the upper limit setting means for each member. The transaction management device described. A registration request accepting means for accepting a member registration request including a card number of a settlement card used for card transactions via a network;
The registration request receiving means creates the membership information based on the membership registration request received, transaction management device according to any one of claims 1 to 3 and a member registration means for storing the member information storage means. A transaction management device that receives transaction information relating to a card transaction from the store side terminal, transmits an authentication request for the card transaction including the transaction information to a financial institution, and acquires an authentication result; In the transaction processing system
The transaction management device includes:
Member information storage means for storing member information including the card number of a settlement card used for card transactions for each member;
A period setting means for individually setting an application period of the cashback service and an actual period corresponding to the application period of the cashback service;
For each member, an upper limit setting means for setting an upper limit value of the cashback amount according to the transaction amount of the member in the performance period corresponding to the application period of the cashback service set by the period setting means;
For each member whose membership information is stored in the membership information storage means at a predetermined timing, it is determined whether or not the cashback service is applicable for each card transaction in the cashback service application period set by the period setting means. Determination means to perform,
Transaction information creating means for creating cash back transaction information applying the cash back service for the card transaction determined by the judging means to be applicable to the cash back service;
A transmission means for transmitting an authentication request including the cashback transaction information created by the transaction information creation means to a financial institution,
If the card transaction that the determination means determines that the cashback service can be applied is a credit transaction, the transaction information creation means cancels the card transaction as the cashback transaction information, and the card transaction Is a means of creating transaction information to which a cashback service is applied,
Transaction processing system. A transaction management method in a transaction management apparatus that receives transaction information relating to a card transaction from a store side terminal, transmits an authentication request for the card transaction including the transaction information to a financial institution, and acquires an authentication result,
The member information storage means stores, for each member, member information including a card number of a settlement card used for card transactions,
Transaction information storage means stores transaction information relating to card transactions in an accumulative manner,
A period setting step for individually setting the application period of the cashback service and the actual period corresponding to the application period of the cashback service;
For each member, an upper limit setting step for setting an upper limit value of the cashback amount according to the transaction amount of the member in the performance period corresponding to the application period of the cashback service set in the period setting step;
For each member whose member information is stored in the member information storage means at a predetermined timing, it is determined whether or not the cash back service is applicable for each card transaction in the cash back service application period set in the period setting step. A determination step to:
Transaction information creation step for creating cashback transaction information to which the cashback service is applied for the card transaction that is determined to be applicable to the cashback service in the determination step;
Transmitting an authentication request including cashback transaction information created by the transaction information creation step to a financial institution, and
If the card transaction for which the transaction information creation step is determined to be applicable to the cashback service in the determination step is a credit transaction, the transaction information for canceling the card transaction as the cashback transaction information, and the card transaction Transaction management method, which is a step of creating transaction information to which a cashback service is applied.

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