JP5857332B2 - Payment processing system, method, and computer program - Google Patents

Description

  The present invention relates to a technique for performing a payment for a fueling service based on information registered in advance.

Conventionally, at a gas station, a credit card is often used for settlement of expenses at the time of refueling. However, in recent years, various cards are provided with a credit function, and customers have many credit cards.
However, even if you own a lot of credit cards, the credit card that is actually used as the main card is often decided, and this credit card is used for refueling. In some cases, the application is determined.

  On the other hand, in recent years, self-type gas stations have increased in response to requests for cost reduction. In a self-service gas station, it is assumed that the customer himself is responsible for everything from refueling to settlement of expenses. Therefore, it is necessary for a gas station operator to prepare a system that makes it easy and easy even for unskilled customers to perform a series of operations from refueling to cost settlement.

  In this regard, Patent Document 1 is a system including a fuel supply device that reads the identification information of an RFID tag attached to a vehicle with a reader / writer and performs a fuel supply service, and for identifying the vehicle as the identification information. There has been proposed information that records at least one of vehicle identification information, replenishment information indicating a replenishment location and a replenishment amount, and privilege information corresponding to the replenishment amount.

  Moreover, in patent document 2, the vehicle-mounted apparatus provided with the communication means which is mounted in a vehicle and communicates with the exterior using narrow area | region radio | wire, and the vehicle fuel sales side, provided in the limited communication area A service station in a vehicular fuel sales office, comprising a fixed station that performs various controls based on information obtained from the on-vehicle device by performing wireless communication with the on-vehicle device that exists, the fixed station, Proposals have been made to perform management control related to fuel supply and payment, or management control for guidance to a fuel supply location, in accordance with the vehicle-side request content obtained from the in-vehicle device.

JP 2010-163187 A JP 2001-213286 A

  However, in the system described in Patent Document 1, since identification information is attached to a vehicle, when a plurality of vehicles are used, the identification information must be attached to each vehicle. Furthermore, at the time of settlement, a series of processes must be performed manually, which is troublesome.

  Moreover, in the system described in Patent Document 2, in order to recognize an in-vehicle device mounted on a vehicle, electromagnetic waves are always transmitted by narrow-band radio, but this is not preferable in a gas station that handles flammable dangerous materials. In addition, regarding payment, credit card information is acquired from the in-vehicle device and credit is given. However, it is not preferable that the in-vehicle device has the credit card information itself.

  Accordingly, an object of the present invention is to provide a system that registers information necessary for a transaction in advance and executes a settlement process based on the information in order to provide a smooth refueling service to a customer.

In order to achieve the above object, a settlement processing system according to one aspect of the present invention includes a credit information management device that grants credit approval for a transaction by a credit card, and information stored in an IC tag installed in a service station. The store terminal to which the reader / writer for reading and writing is connected and the transaction information management device for managing the customer's payment are configured to be communicable via a network, and stored in the IC tag are set information for refueling , A system for paying the price of a refueling service provided to a customer based on identification information that can uniquely identify the customer, wherein the store terminal uses the reader / writer to read the identification information and the setting from the IC tag. and information reading means for reading information with respect to the transaction information managing device, preparative card credit card information corresponding to the identification information Along with the request, the identification information transmitting means for transmitting the identification information, from the transaction information managing device, and the card information receiving means for receiving the card credit card information corresponding to the identification information, to the credit information management device, Credit inquiry request transmission means for transmitting the card information together with a credit inquiry request for a transaction by a credit card specified by the card information, and credit for a transaction by a credit card specified by the card information from the credit information management device A determination result receiving means for receiving a determination result of acceptability, and setting information read from the IC tag when the credit for the transaction by the credit card is approved as a result of the credit inquiry, refueling based on the setting information A setting information output means for outputting a service provision instruction so that it can be received; Instruction receiving means for receiving an instruction to provide a refueling service based on the setting information from the customer, and when the refueling service based on the setting information is provided to the customer, the compensation for the provided refueling service is settled. The transaction information management device includes a transaction information storage unit that associates and stores the card information and the identification information, and a credit card corresponding to the identification information from the store terminal. An identification information receiving means for receiving the identification information together with an acquisition request for card information, a card information extracting means for extracting card information associated with the identification information with reference to the transaction information storage means, and the store terminal A credit card information transmitting means for transmitting the extracted card information, and the credit information management device includes the credit card See credit information storage means for storing credit information of the credit card, credit inquiry request receiving means for receiving the card information together with the credit inquiry request for transactions by the credit card from the store terminal , and the credit information storage means Then, based on the card information, a credit acceptability judging means for judging the credit acceptability for the transaction by the credit card, and a judgment for transmitting the judgment result of the credit acceptability for the transaction by the credit card to the store terminal And a result transmitting means.

  The setting information includes a plurality of settings, and the setting information output means reads the setting read from the IC tag when credit for the transaction by the credit card is approved as a result of the credit inquiry. The information is output so that an instruction to provide a refueling service based on a setting arbitrarily selected by the customer can be received, and the instruction receiving unit receives an instruction to provide a refueling service based on the arbitrarily selected setting from the customer It may be a thing.

Further, the reader writer, each reading Rino information by the information reading means, enable the wireless function, and receive and transmit radio waves for performing read-in information stored in the IC tag, for each information it may be as performing up to read.

  The IC tag may be attached to a key holder.

  The IC tag may be built in a mobile terminal used by the customer.

In addition, a settlement processing method according to another aspect of the present invention includes a credit information storage unit that stores credit information of a customer's credit card, and a credit information management device that gives credit approval for a transaction by a credit card; A store terminal installed in a service station and connected to a reader / writer that reads and writes information stored in an IC tag, card information of the credit card, and identification information that can uniquely identify a customer stored in the IC tag When performing refueling stored in an IC tag by a system having a transaction information storage means for storing in association with a transaction information management apparatus that manages customer settlement via a network. A method for settlement of the value of the refueling service provided to the customer by using the setting information of the information and the identification information capable of uniquely identifying the customer, The serial store terminal by the reader-writer, from the IC tag, the process of reading the identification information and the setting information, with respect to the transaction information managing apparatus, together with the acquisition request for the card information of a credit card corresponding to the identification information A process of transmitting the identification information, a process of receiving card information of a credit card corresponding to the identification information from the transaction information management apparatus, and a credit specified by the card information to the credit information management apparatus A process of transmitting the card information together with a credit inquiry request for a transaction with a card, a process of receiving a determination result of whether or not a credit for a transaction with a credit card specified by the card information is received from the credit information management device, and As a result of credit inquiry, credit for the above credit card transaction is approved. Processing to output the setting information read from the IC tag so that a refueling service providing instruction based on the setting information can be received, and a process for receiving a refueling service providing instruction based on the setting information from the customer When the refueling service based on the setting information is provided to the customer, the card information and the consideration information related to the consideration of the provided refueling service are transmitted to the transaction information management device. And processing for receiving the identification information from the store terminal together with the acquisition request for the card information of the credit card corresponding to the identification information, and the transaction information storage means. Then, the card information associated with the identification information is extracted, and the extracted card information is transmitted to the store terminal. Processing, receiving from the store terminal the card information and consideration information relating to the consideration of the service provided to the customer, and refueling provided to the customer for the credit information management device The card information and the processing for transmitting the consideration information are executed together with a payment request for the consideration of the service, and the credit information management device performs the credit inquiry request for the transaction by the credit card from the store terminal. A process of receiving information, a process of determining whether or not credit for a transaction by the credit card is based on the card information with reference to the credit information storage means, and a transaction by the credit card to the store terminal Processing to send credit card decision result, and the transaction information management device provides the card information and the customer With a settlement request of the consideration of the refueling service, and processing for receiving the card information and the compensation information, in response to the settlement request, and executes a processing for executing the settlement process.

In addition, a computer program according to still another aspect of the present invention includes a credit information storage unit that stores credit information of a customer's credit card, and a credit information management device that gives credit approval for a transaction by a credit card; A store terminal installed in a service station and connected to a reader / writer that reads and writes information stored in an IC tag, card information of the credit card, and identification information that can uniquely identify a customer stored in the IC tag When performing refueling stored in an IC tag, a system that includes a transaction information storage means that stores information in association with a transaction information management device that manages customer settlement via a network. Decision to settle the price of the refueling service provided to the customer based on the setting information and the identification information that can uniquely identify the customer A program for functioning as a processing system, the above shop terminal, by the reader-writer, from the IC tag, the process of reading the identification information and the setting information, with respect to the transaction information managing device, the identification information A process of transmitting the identification information together with a request for acquiring card information of the credit card corresponding to the process, a process of receiving the card information of the credit card corresponding to the identification information from the transaction information management apparatus, and the credit information management A process of transmitting the card information together with a credit inquiry request for the transaction by the credit card specified by the card information to the device, and a credit for the transaction by the credit card specified by the card information from the credit information management device The process of receiving the decision result of whether or not As a result, when credit for the transaction by the credit card is approved, the setting information read from the IC tag is output so that an instruction to provide a fueling service based on the setting information can be received, and from the customer, When receiving a refueling service provision instruction based on setting information, and when a refueling service based on the setting information is provided to the customer, the card information and the provided information are provided to the transaction information management device. Processing for transmitting the compensation information related to the compensation of the refueling service, and the transaction information management device from the store terminal together with the acquisition request for the card information of the credit card corresponding to the identification information, the identification information Processing for receiving and processing for extracting card information associated with the identification information with reference to the transaction information storage means A process for transmitting the extracted card information to the store terminal, a process for receiving the card information and the price information related to the price of the service provided to the customer from the store terminal, The credit information management device executes a process for transmitting the card information and the consideration information together with a settlement request for the compensation for the refueling service provided to the customer. Refers to the credit information transaction request from the terminal together with the credit card transaction request and the credit information storage means to determine whether the credit card transaction is acceptable based on the card information. A process for transmitting to the store terminal, a process for transmitting a determination result of whether or not the credit card transaction is acceptable, A process for receiving the card information and the consideration information together with the card information and a payment request for the refueling service provided to the customer from the transaction information management device, and executing a settlement process in response to the settlement request And processing to execute.

According to the present invention, information necessary for the transaction is registered in advance, and settlement can be performed based on the information, so that a smooth refueling service can be provided to the customer.
In addition, the customer does not have to carry the credit card necessary for payment, so it is easy and safe.

It is the functional block diagram which showed the function with which the payment processing system which concerns on embodiment of this invention is provided. In the payment processing system which concerns on this embodiment, it is the figure which showed an example of the data memorize | stored in a transaction information storage part. It is the figure which showed an example of the data memorize | stored in the credit information storage part in the payment processing system which concerns on this embodiment. In the payment processing system which concerns on this embodiment, it is the figure which showed an example of the data memorize | stored in a setting information storage part. It is the sequence figure which showed the flow of the process which registers the information required at the time of payment in the payment processing system which concerns on this embodiment. It is the sequence figure which showed the flow of the process which registers the information required at the time of payment in the payment processing system which concerns on this embodiment. It is the sequence diagram which showed the flow of the process by the payment processing system which concerns on this embodiment. It is the sequence diagram which showed the flow of the process by the payment processing system which concerns on this embodiment. It is the figure which showed the output example of the setting information shown when the refueling service is provided in the payment processing system which concerns on this embodiment. In the payment processing system which concerns on this embodiment, it is the figure which showed another output example of the setting information shown when a fueling service is provided. It is the functional block diagram which showed the function with which the payment processing system which concerns on another embodiment of this invention is provided.

Next, a settlement processing system according to an embodiment of the present invention will be described with reference to the drawings.
As shown in FIG. 1, the settlement processing system according to the present embodiment includes a transaction information management device 1, a store terminal 2, a credit information management device 3, and an IC tag 4.
Among these, the transaction information management device 1, the store terminal 2, and the credit information management device 3 are configured to be communicable via a network NW such as the Internet.

  In the present embodiment, only one store terminal 2 and one IC tag 4 are shown, but there are actually a plurality of store terminals 2 depending on the number of stores, and the settlement according to the present embodiment. There are a plurality of IC tags 4 depending on the number of customers who use the processing system. Further, with respect to the credit information management device 3, there may be a plurality of credit information management devices 3 for each credit card company that issues different types of credit cards.

The transaction information management device 1 is a device that stores information necessary to settle the price of the refueling service provided to the customer and supplies this information to each terminal as necessary.
The transaction information management device 1 includes a CPU (Central Processing Unit), a computer program executed by the CPU, a RAM (Random Access Memory) storing a computer program and predetermined data, a ROM (Read Only Memory), and an external device such as a hard disk drive. The storage device constitutes a functional block including a transaction information storage unit 11, an extraction processing unit 12, and a communication processing unit 13.

The transaction information storage unit 11 is a storage unit that stores information and the like necessary for performing payment of compensation after providing a refueling service to a customer.
For example, as shown in FIG. 2, the transaction information storage unit 11 can store identification information, a credit card number, and a personal identification number in association with each other as transaction information.

The identification information is information stored in the IC tag 4 and is information that can uniquely identify a customer.
The credit card number is an identification number of a credit card used when using a fueling service provided based on the payment processing system according to the present embodiment.
The personal identification number is information for authenticating a customer who is a holder of a credit card associated with each other, and is referred to when registering or changing information regarding the handling and management of the credit card.

  Prior to providing a refueling service to a customer, the extraction processing unit 12 refers to the transaction information storage unit 11 in response to a request from the store terminal 2 and extracts a credit card number associated with predetermined identification information. Execute the process.

The communication processing unit 13 is a processing unit that executes data transmission / reception processing in accordance with a predetermined protocol with the transaction information management device 1 and the credit information management device 3 via a network NW such as the Internet.
For example, the communication processing unit 13 receives an acquisition request for the credit card number associated with the identification information together with the identification information of the IC tag 4 with the POS terminal 2a, or the credit card number requested for the acquisition. Or send.

The store terminal 2 is a terminal installed in a store that provides services to customers.
The store in this embodiment is a service station or a gas station, and provides a refueling service to customers. In particular, in the present embodiment, a self-standing stand where the customer refuels himself is taken into consideration.

The store terminal 2 includes a POS terminal 2a, a reader / writer 2b, a refueling machine 2c, and a CAT terminal 2d.
The POS terminal 2a, the reader / writer 2b, the refueling machine 2c, and the CAT terminal 2d constituting the store terminal 2 are connected via a predetermined communication line network and can exchange data with each other.

The POS terminal 2a (point of sale system: point-of-sale information management) is a terminal for performing sales accounting by a refueling service provided to a customer.
The POS terminal 2a includes a CPU (Central Processing Unit), a computer program executed by the CPU, a RAM (Random Access Memory) storing a computer program and predetermined data, a ROM (Read Only Memory), and an external storage such as a hard disk drive. A functional block including a settlement processing unit 21, a communication processing unit 22, and an input / output processing unit 23 is configured by the apparatus.

The checkout processing unit 21 executes a process for calculating the value of the fueling service provided to the customer.
In this process, referring to a predetermined table storing the unit price for each type of fuel , the amount corresponding to the oil type and the amount of fuel supplied to the customer is calculated.
It is also possible to execute processing such as issuing a slip in accordance with the settlement of the value of the refueling service.

The communication processing unit 22 is a processing unit that executes data transmission / reception processing with the transaction information management device 1 and the credit information management device 3 through a network NW such as the Internet according to a predetermined protocol.
For example, the communication processing unit 22 transmits the identification information of the IC tag 4 together with the acquisition request for the credit card number with the transaction information management apparatus 1 or receives the identification information requested for the acquisition.
Further, the identification information of the IC tag 4 is transmitted to the credit information management device 3 together with the request for acquiring the credit card number, and the credit card number is received accordingly.

The input / output processing unit 23 includes an input processing unit configured by a touch panel or the like for inputting data, and an output processing unit configured by a display or a speaker for outputting data.
For example, the input / output processing unit 23 outputs setting information related to the oil type and the amount of oil supplied at the time of refueling so that an instruction to provide a refueling service based on the setting information can be received.
The input / output processing unit 23 may be installed in the store, beside the refueling machine 2c, or installed at an appropriate place according to the convenience of work.

The reader / writer 2b is a device that can read information stored in the IC tag 4 and write information in the IC tag 4, and performs communication control for controlling the operation of the antenna coil. Device. Further, a communication processing unit and supplies the information to be written into the IC tag 4 or received from the POS terminal 2 a, the information read from the IC tag 4 to the POS terminal 2 a.

  The reader / writer 2b generates an induced electromotive force in the IC tag 4 by sending out electromagnetic waves, thereby operating the control mechanism on the IC tag 4 side. Then, by transmitting a question signal to the IC tag 4 and receiving a response signal corresponding to the inquiry signal from the IC tag 4, information stored in the IC tag 4 is read or a write request signal is transmitted to the predetermined information. At the same time, information can be written to the IC tag 4 by transmitting to the IC tag 4.

The reader / writer 2b normally disables a wireless function for transmitting an electromagnetic wave for generating an induced electromotive force in the IC tag 4, transmitting a question signal, or receiving a response signal. 2a, a request for acquiring the identification information stored in the identification information storage unit 41, a request for acquiring the setting information stored in the setting information storage unit 42, or a request for writing the setting information to the setting information storage unit 42. Each time it is received, it activates the wireless function and reads and writes predetermined information. Then, by supplying the information requested to be read to the POS terminal 2a or writing the information requested to be written to the IC tag 4, the wireless function is again activated when the processing requested from the POS terminal 2a is completed. Disable it.
As a result, the reader / writer 2b activates the wireless function within the minimum necessary range, so that the influence of electromagnetic waves on the surroundings can be minimized.

The refueling machine 2c is a device for refueling a vehicle or the like used by a customer in response to a customer request.
The fueling device 2c includes an oil storage mechanism such as a tank for storing various fuels such as high-octane, regular, and light oil, and a fuel supply mechanism such as a nozzle and a pump for supplying the fuel stored in the tank to a customer's vehicle, etc. In addition to a mechanism required for refueling, such as a measurement mechanism for measuring the amount of refueling, a communication processing unit that supplies data related to refueling to the POS terminal 2a is provided.

  The CAT terminal 2d is a so-called credit authorization terminal, and has a function of reading a credit card magnetic stripe, a communication function of communicating with the credit information management apparatus 3 via the network NW, and the like. And by these functions, in order to confirm the validity of the credit card used by the customer, the credit information management device 3 is inquired of the credit based on the card information. The credit result obtained from the credit information management device 3 is supplied to the POS terminal 2a.

The credit information management device 3 is a terminal installed in a credit card company or the like, and is a terminal that processes information relating to whether or not credit approval is given for a transaction based on a credit card.
The credit information management device 3 includes a CPU (Central Processing Unit), a computer program executed by the CPU, a RAM (Random Access Memory) storing a computer program and predetermined data, a ROM (Read Only Memory), and a hard disk drive. The external storage device constitutes a functional block including a credit information storage unit 31, a credit availability determination unit 32, and a communication processing unit 33.

The credit information storage unit 31 is a storage unit that stores credit information related to a credit card used by a customer.
For example, as shown in FIG. 3, the credit information storage unit 31 stores credit information, attribute information, and usage information in association with each other for each credit card number.

The credit information is information for determining whether or not credit is permitted for the use of the credit card, and is composed of information such as an expiration date, a limit frame, and presence / absence of registration in the black list.
The attribute information is information relating to the attribute of the credit card holder, and is composed of information such as the holder's name, address, telephone number, date of birth, annual income, and work place.
The usage information is information related to the usage history of the credit card, and includes information such as usage date, usage amount, and member store. This usage information is accumulated when a refueling service is provided to a customer and transaction information such as compensation information based on the service is received.

The credit availability determination unit 32 is a functional unit that refers to the credit information storage unit 31 and determines whether credit is permitted for a transaction by a credit card related to the card information based on the card information.
Based on the credit information stored in the credit information storage unit 31, the credit availability determination unit 32 determines whether the credit card designated by the credit card number has expired or the transaction amount exceeds the limit frame. or no, such as to check whether not registered in the black list, to determine the credit of propriety. In determining whether or not the transaction amount exceeds the limit, information on the usage amount is referred to as appropriate.

The communication processing unit 33 is a processing unit that executes data transmission / reception processing between the transaction information management device 1 and the store terminal 2 according to a predetermined protocol via a network NW such as the Internet.
The communication processing unit 33 receives, for example, a credit card transaction credit inquiry request with the store terminal 2 and transmits a credit card transaction credit decision result.

The IC tag 4 is a passive non-contact electronic device that stores electronic data and can execute a predetermined information processing operation by receiving an electromagnetic wave transmitted from the reader / writer 2b.
The IC tag 4, or receive and transmit electromagnetic waves between the reader writer 2 b, and an antenna coil or to generate an induced electromotive force by electromagnetic waves received, CPU as a control unit (Central Processing Unit) or EEPROM ( A functional unit including an identification information storage unit 41, a setting information storage unit 42, a transmission / reception processing unit 43 , and an information processing unit 44 is configured by an IC chip or the like in which a memory such as an electrically erasable programmable read-only memory is unitized.

  The identification information storage unit 41 is information for uniquely identifying a customer, and is a storage unit that can store identification information unique to each IC tag.

The setting information storage unit 42 is a storage unit that can store information regarding service contents when a customer receives a fueling service.
For example, as shown in FIG. 4, the setting information storage unit 42 stores information such as the type of oil such as fuel to be supplied and the amount of oil supplied.

The oil type is a type of fuel, and there are types such as high-octane (gasoline), regular (gasoline), light oil, and kerosene.
The amount of oil supply can be set by a method such as full tank, a predetermined amount (for example, 3000 yen), a predetermined amount (for example, 30 liters), and the like.

The transmission / reception processing unit 43 is a processing unit for transmitting / receiving data to / from the reader / writer 2b.
The transmission / reception processing unit 43 receives a question signal or a write request signal from the reader / writer 2b, or transmits setting information to the reader / writer 2b based on an instruction from the information processing unit 44.

  The information processing unit 44 acquires identification information from the identification information storage unit 41 based on the question signal from the reader / writer 2b, and causes the transmission / reception processing unit 43 to transmit the identification information to the reader / writer 2b, or from the reader / writer 2b. The setting information is written in the setting information storage unit 42 based on the write request signal.

  The IC tag 4 in the present embodiment is configured as a key holder provided with a ring for attaching a key or the like, or built in the key holder or built in a mobile phone used by the customer. It is better to configure in a convenient form. In particular, if it is configured as a key holder, it is suitable as an item associated with driving the vehicle.

Next, a flow of a series of processing by the payment processing system according to the present embodiment will be described with reference to the drawings.
Here, first, the flow of processing for pre-registering information necessary for settlement processing prior to settlement processing by providing a fueling service will be described with reference to FIGS. 5 and 6.
When a customer visits a store or the like and performs registration for receiving a refueling service using the IC tag 4, first, the customer is presented with a credit card used for the refueling service.
Then, when the card information including the credit card number and the expiration date information is acquired from the credit card by the CAT terminal 2d, the card information is transmitted to the credit information management device 3 together with a credit inquiry request for confirming the validity of the credit card. (S101).

The credit information management device 3 that has received this information determines whether or not the credit is acceptable for the transaction based on the credit card related to the card information by referring to the credit information storage unit 31 based on the card information. (S102).
The result of the determination as to whether or not credit is possible is transmitted to the CAT terminal 2d by the communication processing unit 33 (S103).

  The store terminal 2 that has received the credit approval / disapproval determination result by the CAT terminal 2d determines whether the credit is not accepted according to the determination result of the credit approval / disapproval (S104). Is displayed, and the series of processing is terminated (S105).

On the other hand, if the credit is approved, the POS terminal 2a issues an acquisition request for the identification information of the IC tag 4 to the reader / writer 2b (S106).
In response to this, the reader / writer 2b enables the wireless function (S107), and acquires identification information from the IC tag 4 held over a predetermined reading unit (S108).
The reader / writer 2b disables the wireless function when the supply of the identification information is completed (S109).

The POS terminal 2a further receives an input of a personal identification number arbitrarily determined by the customer via the input / output processing unit 23 (S110). Thereby, card information including a credit card number and expiration date information, identification information, and a personal identification number are aligned as transaction information used for a fueling service provided to a customer.
The POS terminal 2a transmits these card information, identification information, and password to the transaction information management apparatus 1 (S111).

Upon receiving this, the transaction information management device 1 stores the customer's card information, the identification information of the IC tag 4, and the password determined by the customer in the transaction information storage unit 11 in association with each other (S112).

Further, the POS terminal 2a accepts input of setting information related to the refueling service such as the oil type and the refueling amount when providing the refueling service by the input / output processing unit 23 (S113).
In addition, although setting information consists of the combination of the oil seed | species at the time of refueling, and the amount of oil supply, it is not restricted to one combination in particular, A plurality of combinations can be received by the customer arbitrarily.
When receiving the input of the setting information, the POS terminal 2a issues a write request for the received setting information to the reader / writer 2b (S114).

In response to this, the reader / writer 2b validates the wireless function (S115), and writes the setting information in the setting information storage unit 42 of the IC tag 4 (S116).
When the writing is completed, the reader / writer 2b invalidates the wireless function (S117).
This completes registration of the card information of the customer's credit card and the information to the IC tag 4.

Next, with reference to FIGS. 7 and 8, description will be given of the flow of processing from when the payment processing system according to the present embodiment provides a customer with a refueling service and when the payment is executed.
Prior to providing the customer with the refueling service, the customer's credit card information and the information in the IC tag 4 are registered as described above.

When the POS terminal 2a receives a request to start providing a fueling service from a customer or store staff via the reception screen displayed by the input / output processing unit 23, the POS terminal 2a is stored in the IC tag 4 with respect to the reader / writer 2b. The acquisition request for identification information and setting information is issued (S201).

In response to this, the reader / writer 2b activates the wireless function (S202), transmits a radio wave to the IC tag 4 held over a predetermined reading unit, and is stored in the identification information storage unit 41 and the setting information storage unit 42, respectively. The identification information and setting information are read (S203).
When the reading is completed, the reader / writer 2b invalidates the wireless function (S204).

  The POS terminal 2a transmits the identification information supplied from the reader / writer 2b to the transaction information management apparatus 1 together with the card information acquisition request (S205).

The transaction information management device 1 extracts the card information including the credit card number and the expiration date information associated with the identification information received from the POS terminal 2a by referring to the transaction information storage unit 11 by the extraction processing unit 12 ( S206).
The extracted card information is transmitted to the POS terminal 2a (S207).

  When the store terminal 2 acquires the card information from the transaction information management device 1 by the POS terminal 2a, the store terminal 2 uses the CAT terminal 2d to transfer the card information to the credit information management device 3 based on the credit card related to the card information. (S208)

The credit information management device 3 requested for credit inquiry refers to the credit information storage unit 31 by the credit permission determination unit 32 and determines whether or not credit is permitted for a transaction based on the credit card related to the card information received from the POS terminal 2a. Is determined (S209).
Here, the credit inquiry performed in S208 and S209 is performed in order to confirm the validity of the credit card because the settlement amount of the transaction is not fixed because the refueling is actually performed.
Then, the determination result of the credit availability by the credit availability judgment unit 32 is transmitted to the CAT terminal 2d (S210).

  The POS terminal 2a terminates the process by displaying, for example, that the transaction cannot be continued by the input / output processing unit 23 if the credit is not accepted in accordance with the result of the credit decision (S211). S212).

On the other hand, if the credit is approved, the output processing section 23, to deploy the setting information that has been acquired by the reader writer 2 b (S213).
Here, an example of the development of the setting information by the input / output processing unit 23 is shown in FIG.
In this example, only one setting information is registered in the IC tag 4. The customer presses a “confirm” button when receiving a fueling service corresponding to the displayed setting information.
On the other hand, when refueling by a method different from the setting information is desired, the “change” button is pressed. When the “change” button is pressed, the screen changes to a screen or the like for changing and inputting the payment method, oil type, and amount of oil supply to any method.

Further, another example of the development of the setting information by the input / output processing unit 23 is shown in FIG.
This example shows a case where two pieces of setting information are registered in the IC tag 4. The customer can arbitrarily select the setting information by pressing one of the two displayed setting information.
In addition, as described above, it is possible to select refueling by a method different from the setting information by pressing the “change” button.

When an input of a predetermined refueling method is received from the screen shown in the above example (S214) , the POS terminal 2a instructs the refueling machine 2c to refuel by the designated method (S215).
Refueling with the designated oil type and amount is performed by the refueling machine 2c that has received the instruction (S216).
Refueling information relating to actual refueling such as oil type and refueling amount is supplied from the refueling machine 2c to the POS terminal 2a (S217).

The POS terminal 2a calculates the value of the refueling service provided to the customer from the refueling information by the reimbursement processing unit 21, and reimburses (S218). In this process, the price of the refueling service is calculated from the unit price for each oil type and the service content with reference to a separately stored fee table. In addition, a slip is issued for payment according to the consideration.
The calculated consideration is paid based on the credit card associated with the identification information of the IC tag 4, but if the calculated consideration exceeds a predetermined amount, the credit inquiry is again made here. It is good.

  When the consideration is calculated and the payment at the store is completed, the POS terminal 2a transmits the card information including the credit card number and the expiration date information, and the consideration information to the transaction information management apparatus 1 (S219).

  The transaction information management device 1 manages the sales information transmitted from the store, and provides the credit card usage information by the customer to the credit card company at a predetermined timing and is necessary for the final settlement. Processing is performed (S220).

As described above, the customer can easily receive the refueling service based on the credit card information registered in advance without presenting the credit card one by one.
In addition, since setting information relating to refueling can be registered, it is convenient because it is not necessary to set a refueling method each time refueling.

In the above embodiment of the present invention, the CAT terminal 2d is provided separately from the POS terminal 2a in order to make a credit inquiry request. However, the configuration of the CAT terminal 2d may be incorporated in the POS terminal 2a.
In this case, as illustrated in FIG. 11, the POS terminal 2a includes a credit inquiry request function executed by the CAT terminal 2d as the credit inquiry unit 24. Based on the card information , the credit inquiry unit 24 transmits a credit request inquiry request to the credit information management device 3 and receives the result.

  The personal identification number registered in the transaction information storage unit 11 in the present embodiment authenticates the customer when the customer requests to change his / her information or when the use is restricted depending on the loss of the credit card or the like. Can be used for

  In the above embodiment, the card information transmitted and received between the transaction information management device 1, the store terminal 2, and the credit information management device 3 includes a credit card number and expiration date information. However, the present invention is not limited to this, and only the credit card number may be included or other necessary information may be included depending on the transaction arrangement.

1 Transaction Information Management Device 11 Transaction Information Storage Unit
12 extraction processing unit
DESCRIPTION OF SYMBOLS 13 Communication processing part 2 Store terminal 2a POS terminal 2b Reader / writer 2c Refueling machine 2d CAT terminal 21 Settlement processing part 22 Communication processing part 23 Input / output processing part 24 Credit inquiry part 3 Credit information management apparatus 31 Credit information storage part 32 Credit acceptance judgment Unit 33 Communication processing unit 4 IC tag 41 Identification information storage unit 42 Setting information storage unit 43 Transmission / reception processing unit 44 Information processing unit NW network

Claims (6)

Credit information management device that grants credit approval for transactions with credit cards, a store terminal installed at a service station that provides a fueling service, connected to a reader / writer that reads and writes information stored in an IC tag, and customer settlement The transaction information management device that manages the transaction information is configured to be communicable via a network, and is stored in the IC tag to provide information to the customer by setting information for refueling and identification information that can uniquely identify the customer. A system that settles the value of the refueling service provided,
The store terminal
Information reading means for reading the identification information and the setting information from the IC tag by the reader / writer;
Identification information transmitting means for transmitting the identification information to the credit information management device together with an acquisition request for credit card information corresponding to the identification information;
A credit inquiry request transmitting means for transmitting the card information together with a credit inquiry request for a transaction by a credit card specified by the card information to the credit information management device;
A judgment result receiving means for receiving from the credit information management device a judgment result on whether credit is permitted or not for a transaction by a credit card specified by the card information;
Setting information output means for outputting setting information read from the IC tag so as to accept an instruction to provide a fueling service based on the setting information when credit for a transaction by the credit card is approved as a result of the credit inquiry When,
An instruction receiving means for receiving an instruction to provide a refueling service based on the setting information from the customer;
When a refueling service based on the setting information is provided to the customer, a checkout processing means for executing a checkout of the consideration for the provided refueling service,
The transaction information management device
Transaction information storage means for associating and storing the card information and the identification information;
Identification information receiving means for receiving the identification information from the store terminal together with an acquisition request for card information of a credit card corresponding to the identification information;
Card information extracting means for extracting card information associated with the identification information with reference to the transaction information storage means;
Card information transmission means for transmitting the extracted card information to the store terminal,
The credit information management device is
Credit information storage means for storing the credit card credit information;
Credit inquiry request receiving means for receiving the card information together with the credit information request for the transaction by the credit card, together with the card information from the store terminal,
Referring to the credit information storage means, based on the card information, a credit admissibility judging means for judging whether credit for a transaction by the credit card is possible;
With respect to the shop terminal, have a, a determination result transmitting means for transmitting a result of the determination of credit availability for the transaction by the credit card,
The reader / writer is
Before providing the refueling service, by enabling a wireless function in response to a request for obtaining identification information from the store terminal, it receives and transmits radio waves for reading information stored in the IC tag. , Reading information, and invalidating the wireless function in response to the end of the process requested from the store terminal,
A payment processing system characterized by that. The above setting information includes multiple settings,
The setting information output means, as a result of the credit inquiry, when the credit for the transaction by the credit card is approved, the setting information read from the IC tag is used for the refueling service based on the setting arbitrarily selected by the customer. The provision instruction is output so that it can be accepted,
The instruction receiving means receives an instruction to provide a fueling service based on an arbitrarily selected setting from the customer.
The settlement processing system according to claim 1. The IC tag is attached to a key holder,
The settlement processing system according to claim 1 or 2 . The IC tag is built in a mobile terminal used by the customer.
The settlement processing system according to claim 1 or 2 . A credit information storage means for storing credit information of a customer's credit card, and installed in a credit information management device that gives credit approval for a transaction by a credit card and a service station that provides a fueling service and stored in an IC tag A transaction information management device that has a store terminal connected to a reader / writer that reads and writes the recorded information, and transaction information storage means that stores the card information and the identification information in association with each other, and manages customer settlement By a system configured to communicate over a network,
A method of settling the price of a refueling service provided to a customer using setting information stored in an IC tag when refueling and identification information capable of uniquely identifying the customer,
With the above store terminal,
A process of reading the identification information and the setting information from the IC tag by the reader / writer;
A process for transmitting the identification information to the credit information management device together with an acquisition request for credit card information corresponding to the identification information;
A process for transmitting the card information together with a credit inquiry request for a transaction by a credit card specified by the card information to the credit information management device;
A process for receiving from the credit information management device a determination result of whether credit is permitted for a transaction by a credit card specified by the card information;
As a result of the credit inquiry, when credit for a transaction by the credit card is approved, the setting information read from the IC tag is output so that an instruction to provide a fueling service based on the setting information can be received;
A process of receiving an instruction to provide a refueling service based on the setting information from the customer;
When a refueling service based on the setting information is provided to the customer, a process of transmitting the card information and consideration information related to the consideration of the provided refueling service to the transaction information management device; Run
With the above transaction information management device,
A process of receiving the identification information from the store terminal together with an acquisition request for credit card information corresponding to the identification information;
A process of extracting card information associated with the identification information with reference to the transaction information storage means;
A process of transmitting the extracted card information to the store terminal;
Processing for receiving the card information and the consideration information related to the consideration of the service provided to the customer from the store terminal;
A process of transmitting the card information and the consideration information together with a settlement request for the compensation of the refueling service provided to the customer to the credit information management device,
With the above credit information management device,
From the store terminal, together with the card information, a process of receiving the card information together with a credit inquiry request for transactions by the credit card;
With reference to the credit information storage means, based on the card information, a process for determining whether or not the credit card transaction is allowed,
A process of transmitting a determination result of whether or not credit to the transaction by the credit card is sent to the store terminal;
A process of receiving the card information and the consideration information from the transaction information management device together with the card information and a settlement request for the compensation of the fueling service provided to the customer;
In response to the settlement request, it executes a processing for executing the settlement process,
The reader / writer is
Before providing the refueling service, by enabling a wireless function in response to a request for obtaining identification information from the store terminal, it receives and transmits radio waves for reading information stored in the IC tag. , Reading information, and invalidating the wireless function in response to the end of the process requested from the store terminal,
A payment processing method characterized by the above. A credit information storage means for storing credit information of a customer's credit card, and installed in a credit information management device that gives credit approval for a transaction by a credit card and a service station that provides a fueling service and stored in an IC tag A transaction information management device that has a store terminal connected to a reader / writer that reads and writes the recorded information, and transaction information storage means that stores the card information and the identification information in association with each other, and manages customer settlement A system configured to be able to communicate via a network
It is a program for functioning as a payment processing system that settles the price of the refueling service provided to the customer by the setting information when refueling stored in the IC tag and the identification information that can uniquely identify the customer. And
With the above store terminal,
A process of reading the identification information and the setting information from the IC tag by the reader / writer;
A process for transmitting the identification information to the credit information management device together with an acquisition request for credit card information corresponding to the identification information;
A process for transmitting the card information together with a credit inquiry request for a transaction by a credit card specified by the card information to the credit information management device;
A process for receiving from the credit information management device a determination result of whether credit is permitted for a transaction by a credit card specified by the card information;
As a result of the credit inquiry, when credit for a transaction by the credit card is approved, the setting information read from the IC tag is output so that an instruction to provide a fueling service based on the setting information can be received;
A process of receiving an instruction to provide a refueling service based on the setting information from the customer;
When a refueling service based on the setting information is provided to the customer, a process of transmitting the card information and consideration information related to the consideration of the provided refueling service to the transaction information management device; Run
With the above transaction information management device,
A process of receiving the identification information from the store terminal together with an acquisition request for credit card information corresponding to the identification information;
A process of extracting card information associated with the identification information with reference to the transaction information storage means;
A process of transmitting the extracted card information to the store terminal;
Processing for receiving the card information and the consideration information related to the consideration of the service provided to the customer from the store terminal;
A process of transmitting the card information and the consideration information together with a settlement request for the compensation of the refueling service provided to the customer to the credit information management device,
With the above credit information management device,
From the store terminal, together with the card information, a process of receiving the card information together with a credit inquiry request for transactions by the credit card;
With reference to the credit information storage means, based on the card information, a process for determining whether or not the credit card transaction is allowed,
A process of transmitting a determination result of whether or not credit to the transaction by the credit card is sent to the store terminal;
A process of receiving the card information and the consideration information from the transaction information management device together with the card information and a settlement request for the compensation of the fueling service provided to the customer;
In response to the settlement request, it executes a processing for executing the settlement process,
The reader / writer is
Before providing the refueling service, by enabling a wireless function in response to a request for obtaining identification information from the store terminal, it receives and transmits radio waves for reading information stored in the IC tag. , Reading information, and invalidating the wireless function in response to the end of the process requested from the store terminal,
Computer program.

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