JP5902489B2 - Information processing system, delivery information terminal, server device, payment card, information processing method, program - Google Patents

Description

  The present invention relates to a system and the like for preventing unauthorized use of a card that can be used for payment such as a credit card.

  As a conventional information processing system, the identity verification information notified to the shipper in advance by the recipient is converted into a two-dimensional code, printed on the delivery label, and delivered to the recipient by a collector / delivery terminal carried by the person in charge of delivery / delivery The information converted into the two-dimensional code is decrypted into data, and this data is compared with the data inputted from the identification document presented by the recipient, thereby confirming whether or not the recipient is the principal. What has been known to be performed reliably has been known (for example, see Patent Document 1).

JP 2009-237823 A (first page, FIG. 1 etc.)

  However, in the conventional information processing system, even if a payment card such as a credit card or a card number obtained illegally is used for payment when purchasing a product, the recipient of the product will There is a problem that it is impossible to determine whether or not the owner is a legitimate owner, and it is not possible to prevent the purchase of an unauthorized product using an unauthorized payment card.

  For example, in a conventional information processing system, information on identity verification documents such as a driver's license and passport registered by the user who purchases the product is used as information for identity verification when receiving the product. It is possible to confirm whether or not the buyer and recipient are the same person, but it cannot be confirmed whether or not the authorized owner of the credit card used for the purchase is this purchaser. It was.

  An information processing system according to the present invention is an information processing system including a server device and one or more deliverer information terminals that are information terminals held by one or more deliverers. A payment card, which is a card used for payment at the time, a card identification information acquisition unit for acquiring card identification information of a payment card presented by a user to whom the product is delivered, and a payment card A terminal that transmits the payment identification information acquisition unit that acquires the payment identification information that is identification information, the card identification information acquired by the card identification information acquisition unit, and the payment identification information acquired by the payment identification information acquisition unit to the server device The terminal side receiving unit that receives information from the server device and whether the terminal side receiving unit has received the permission information, which is information indicating whether to permit delivery of the product to the delivery destination user. An output unit that outputs information, and the server device is information having card identification information of a payment card and payment identification information of a payment performed using a payment card indicated by the card identification information at the time of product purchase. Stored in a purchase information storage unit that stores one or more purchase information, a server-side reception unit that receives payment identification information and card identification information transmitted from a deliverer information terminal, and a purchase information storage unit It is determined whether or not the purchase information having the payment identification information and the card identification information received by the server-side receiving unit exists in the one or more purchase information, and the delivery of the product corresponding to the payment identification information is permitted. The information processing system includes a determination unit that acquires permission information indicating whether or not, and a server-side transmission unit that transmits the permission information acquired by the determination unit to a deliverer information terminal.

  With this configuration, it is determined whether or not the product to be delivered is purchased with the payment card presented by the user using the information on the payment card presented by the user who receives the product, and the delivery of the product is delivered. Therefore, it is possible to prevent unauthorized use of a payment card by preventing delivery of products purchased through unauthorized use of the payment card.

  In the information processing system of the present invention, in the information processing system, the server device includes one or more pieces of card identification information and card presentation designation information that is information relating to presentation of a payment card corresponding to the card identification information. A card information storage unit for storing card information; and the determination unit includes: card presentation designation information included in the card information including the payment identification information received by the server-side reception unit, and card identification information included in the card information. The payment identification information and the card identification information received by the server-side receiving unit in the one or more purchase information stored in the purchase information storage unit when the payment card is required to be presented It is an information processing system that determines whether or not there is purchase information having “” and obtains availability information.

  With this configuration, when the card presentation designation information is information indicating that it is necessary to present the payment card indicated by the card identification information included in the card information, the payment identification information received by the server-side receiving unit and the card It is possible to determine whether or not there is purchase information having identification information, and to obtain permission information, thereby preventing unauthorized use of a payment card. In particular, by using the card presentation designation information, it is possible to finely control for each payment card whether or not the payment card information presented at the time of delivery is used for determining whether delivery is possible.

  In the information processing system according to the present invention, in the information processing system, the determination unit includes purchase information including payment identification information received by the server side reception unit and card identification information received by the server side reception unit. If it is determined, the information processing system acquires permission / prohibition information for permitting delivery of the product.

  With this configuration, the delivery of the product can be permitted only when there is purchase information having the payment identification information corresponding to the product to be delivered and the card identification information of the payment card presented by the delivery destination user. In this way, it is possible to prevent unauthorized use of a payment card by preventing delivery of merchandise purchased through unauthorized use of the payment card.

  In the information processing system of the present invention, in the information processing system, the server device indicates a correspondence relationship between the card identification information of one payment card and the card identification information of the payment card associated with the one payment card. The information processing apparatus further includes a related card information storage unit storing one or more related card information as information, and the determination unit further receives the purchase information stored in the purchase information storage unit by the server side reception unit. It is determined whether or not there is purchase information having settlement identification information and card identification information associated with the card identification information received by the server-side receiving unit based on the related card information, and received by the server-side receiving unit. When there is purchase information having settlement identification information and one card identification information associated with the card identification information received by the server-side receiving unit by the related card information When disconnection is an information processing system for acquiring availability information indicating the permission of the delivery of goods.

  With such a configuration, even when there is purchase information having payment identification information corresponding to a product to be delivered and card identification information associated with the card identification information of the payment card presented by the delivery destination user, The product can be allowed to be delivered, and the product purchased by fraudulent use of the payment card can be prevented from being delivered to prevent the fraudulent use of the payment card. Can be received.

  In the information processing system of the present invention, in the information processing system, the server device includes one or more pieces of card identification information and card presentation designation information that is information relating to presentation of a payment card corresponding to the card identification information. A card information storage unit in which card information is stored, and the determination unit includes the card identification information included in the card information including the payment identification information received by the server side reception unit, Stored in the purchase information storage unit when there is information indicating that it is necessary to present a payment card indicated by any one of the card identification information associated with the card identification information by the related card information. Payment identification information received by the server-side receiving unit and card identification information or related card received by the server-side receiving unit Determines whether purchase information with the card identification information associated with the card identification information exists by broadcast, an information processing system for acquiring availability information.

  With this configuration, the card presentation designation information includes information indicating that the payment card indicated by either one of the card identification information of one payment card or the card identification information of the payment card related to this payment card is required. In the case of information indicating that it is necessary to present the payment card possessed, the payment identification information and the card identification information received by the server side receiving unit or the card identification information of the payment card related to this payment card It is possible to determine whether or not purchase information having any one of them exists, and to obtain permission information, thereby preventing unauthorized use of a payment card. In particular, by using the card presentation designation information, it is possible to finely control for each payment card whether or not a payment card related to the payment card used for payment is permitted as a payment card to be presented at the time of delivery.

  In the information processing system of the present invention, in the information processing system, the deliverer information terminal receives an input of non-presentation information that is information indicating that a settlement card is not presented by the user to whom the product is delivered. An input reception unit is further provided, the terminal side transmission unit transmits non-presentation information indicating that no payment card is presented, and payment identification information to the server device, and the server side reception unit transmits from the deliverer information terminal. The settlement identification information and the non-presentation information to be received, the determination unit further determines whether the server-side reception unit has received the non-presentation information, and when determining that the non-presentation information has been received, This is an information processing system for acquiring permission / prohibition information indicating that delivery of a product is not permitted.

  With such a configuration, it is possible to prevent delivery of a product when the payment card is not presented.

  In the information processing system of the present invention, in the information processing system, the server device includes one or more pieces of card identification information and card presentation designation information that is information relating to presentation of a payment card corresponding to the card identification information. A card information storage unit for storing card information, and the determination unit determines that the card presentation designation information included in the card information including the payment identification information received by the server-side receiving unit is not required to present a card. If it is determined that the card presentation designation information is information indicating that the card is not required to be obtained, the permission information indicating that the delivery of the product is permitted is acquired. Information processing system.

  With this configuration, when the information indicates that card presentation is unnecessary, delivery of the product can be permitted regardless of the settlement card presented. In particular, by using the card presentation designation information, it is possible to finely control for each payment card whether or not it is necessary to present a payment card at the time of delivery.

  In the information processing system of the present invention, in the information processing system, the server device has one or more contact management information including card identification information and contact information of a regular user of a payment card indicated by the card identification information. A contact information storage unit to be stored, and the server-side transmission unit receives the contact information corresponding to the settlement identification information received by the server-side reception unit when the determination unit acquires the permission / prohibition information not permitting the delivery of the product. The information processing system further transmits information indicating that the payment card has been illegally used to the contact point indicated by the destination information.

  With this configuration, an authorized user can be notified of unauthorized use of a payment card.

  In the information processing system of the present invention, in the information processing system, the server device is an instruction transmitted from a transmission destination from which the server-side transmission unit has transmitted information indicating that the payment card has been illegally used. , An information processing further comprising: a cancellation instruction receiving unit that receives a payment cancellation instruction that is an instruction to cancel the payment indicated by the payment identification information corresponding to unauthorized use; and a cancellation processing unit that cancels the payment according to the payment cancellation instruction System.

  With this configuration, it is possible to easily cancel unauthorized payments.

  In the information processing system of the present invention, in the information processing system, the server device includes payment identification information and a confirmation date that is a date on which the determination unit acquires permission information indicating that the delivery of the product is permitted. The delivery management information storage unit in which the delivery management information, which is the information it has, and the confirmation date when the determination unit has acquired the permission information indicating that the delivery of the product is permitted are stored in the delivery management information storage unit It is an information processing system further comprising a confirmation date accumulating unit that accumulates in the delivery management information having the payment identification information received by the server-side receiving unit in the delivery management information.

  With this configuration, it is possible to manage the date on which the permission information for permitting delivery is acquired.

  In the information processing system according to the present invention, in the information processing system, the determination unit further includes the payment identification information received by the server-side receiving unit among the delivery management information stored in the delivery management information storage unit. The confirmation date value of the delivery management information possessed is a value indicating that there is no date, and it is determined whether or not the date on which the payment identification information is received has passed a pre-specified date. This is an information processing system for acquiring permission / prohibition information indicating that delivery of a product is not permitted when it is determined that the value of is a value indicating that there is no date and the due date has passed.

  With this configuration, if delivery permission information is not acquired and the date when the payment identification information is received has passed a pre-specified date, the delivery is not permitted. Can do.

  In the information processing system of the present invention, in the information processing system, the delivery management information stored in the delivery management information storage unit is further purchased by the settlement indicated by the settlement identification information stored in the delivery management information. The due date having the date of shipment of the product and satisfying the predesignated condition is an information processing system that is a date that has passed a predesignated period from the date of shipment of the product.

  With this configuration, if delivery permission information is not acquired and the date when the payment identification information is received has passed a pre-specified date from the shipping date, delivery is not permitted. be able to.

  In the information processing system according to the present invention, in the information processing system, the server device further includes a withdrawal date storage unit that stores a date of withdrawal of a payment fee for the payment card, and a date that satisfies a predesignated condition Is an information processing system which is a date corresponding to the withdrawal date.

  With this configuration, it is possible to prevent delivery from being permitted when the permission information that permits delivery is not acquired and the date when the payment identification information is received exceeds the date corresponding to the withdrawal date.

  In the information processing system of the present invention, in the information processing system, the server device is information including payment identification information and information indicating a delivery status of a product purchased by the payment indicated by the payment identification information. A delivery management information storage unit for storing management information is further provided, and the determination unit is configured to provide a card corresponding to the payment identification information according to information indicating a delivery status of the product corresponding to the payment identification information received by the server side reception unit. This is an information processing system for determining whether there is unauthorized use of the system.

  With this configuration, it is possible to determine whether or not the card has been illegally used at the timing specified in advance by the server device based on the information indicating the delivery status.

  Also, the information processing system of the present invention is a card used for payment at the time of product purchase in the information processing system, and one or more deliverers that are information terminals held by the server device and one or more deliverers. A payment card that is a card used in an information processing system including an information terminal, and a delivery information terminal acquires card identification information for acquiring card identification information of a payment card presented by a user to whom a product is delivered , A payment identification information acquisition unit that acquires payment identification information that is identification information of a payment made in the purchase of the product, a card identification information acquired by the card identification information acquisition unit, and a payment identification information acquisition unit The terminal side transmission unit that transmits the payment identification information to the server device, and the availability information that is information indicating whether or not to permit delivery of the product to the delivery destination user A server-side receiving unit, and an output unit that outputs the permission information received by the terminal-side receiving unit. The server device includes a card identification information of a payment card, and a payment card indicated by the card identification information at the time of product purchase. Information relating to presentation of a payment card corresponding to the purchase information storage unit storing one or more purchase information, which is information including the payment identification information of the payment performed using the card, the card identification information, and the card identification information A card information storage unit that stores one or more pieces of card information having certain card presentation designation information, a server side reception unit that receives payment identification information and card identification information transmitted from a deliverer information terminal, The card presentation designation information included in the card information including the payment identification information received by the server-side receiving unit is required to present the payment card indicated by the card identification information included in the card information. If the purchase information having the payment identification information and the card identification information received by the server-side reception unit is present in one or more purchase information stored in the purchase information storage unit And a determination unit that acquires permission information indicating whether or not delivery of a product corresponding to the settlement identification information is permitted, and a server side that transmits the permission information acquired by the determination unit to the deliverer information terminal It is a payment card provided with the transmission part.

  With this configuration, it is necessary to present a payment card when receiving the delivered product, and unauthorized use of the payment card can be prevented.

  According to the information processing system and the like according to the present invention, unauthorized use of a payment card can be prevented.

Conceptual diagram of an information processing system in an embodiment of the present invention Block diagram of the information processing system Flow chart for explaining the operation of the delivery information terminal Flow chart for explaining the operation of the server device Flow chart for explaining the operation of the server device Schematic view (FIG. 6 (a)) seen from the front side of an example of the same delivery information terminal, and schematic view seen from the back side (FIG. 6 (b)) The figure which shows the card information management table of the same server device The figure which shows the purchase information management table | surface of the server apparatus The figure which shows the delivery management information management table | surface of the server apparatus The figure which shows the related card information management table of the server apparatus Figure showing the contact management information management table of the server The figure which shows an example of the label for sending attached to the goods used as the acquisition object of the payment identification information of the same delivery person information terminal The figure which shows the example of a display of the propriety information by the delivery person information terminal The figure which shows the example of a display of the propriety information by the delivery person information terminal The figure which shows the example of a display of the information which notifies the unauthorized use of the payment card by the same carrier information terminal The figure which shows the example of a display of the WEB page for accepting the instruction | indication of the process which cancels the payment by the user terminal. The figure which shows the example of a display of the menu screen for transmitting non-presentation information of the same delivery person information terminal The figure which shows an example of the external appearance of the computer system in embodiment of this invention The figure which shows an example of a structure of the computer system

  Hereinafter, embodiments of an information processing system and the like will be described with reference to the drawings. In addition, since the component which attached | subjected the same code | symbol in embodiment performs the same operation | movement, description may be abbreviate | omitted again.

(Embodiment)
FIG. 1 is a diagram showing a conceptual diagram of an information processing system 1000 in the present embodiment.
FIG. 2 is a block diagram of the information processing system 1000 in the present embodiment.

  The information processing system 1000 includes one or more deliverer information terminals 1, a server device 2, one or more user terminals 3, one or more order receiving server devices 4, and one or more payment cards 5.

  In the information processing system 1000, the deliverer information terminal 1 and the server device 2, the server device 2 and the user terminal 3, the server device 2 and the order receiving server device 4, and the user terminal 3 and the order receiving server device 4 are respectively wireless, for example. Or a wired network, a wireless or wired communication line (for example, a telephone line), etc., so that information can be transmitted and received. Here, as an example, the deliverer information terminal 1 and the server device 2 are connected by a wireless communication line, and the server device 2 and the user terminal 3 are connected by a wired network. And the order receiving server device 4 are connected by a wired communication line, and the user terminal 3 and the order receiving server device 4 are connected by a wired network.

  In FIGS. 1 and 2, for convenience of explanation, there is shown a case where there is one delivery information terminal 1, user terminal 3, order receiving server device 4, and payment card 5, but there are a plurality of each. It may be.

  The deliverer information terminal 1 includes a card identification information acquisition unit 101, a payment identification information acquisition unit 102, a terminal side input reception unit 103, a terminal side transmission unit 104, a terminal side reception unit 105, and an output unit 106.

  The server apparatus 2 includes a purchase information storage unit 201, a server-side reception unit 202, a card information storage unit 203, a related card information storage unit 204, a delivery management information storage unit 205, a confirmation date storage unit 206, a withdrawal date storage unit 207, a determination Unit 208, contact information storage unit 209, server-side transmission unit 210, cancellation instruction reception unit 211, cancellation processing unit 212, settlement receiving unit 213, settlement processing unit 214, and settlement result transmission unit 215.

  The user terminal 3 includes a user side reception unit 301, a user side transmission unit 302, a user side reception unit 303, and a user side output unit 304.

  The order receiving server apparatus 4 includes an order receiving side receiving unit 401, an order receiving side settlement transmitting unit 402, an order receiving side settlement result receiving unit 403, and a shipping information output unit 404.

  The deliverer information terminal 1 is an information terminal held by a deliverer of one or more products. The merchandise deliverer is, for example, a courier or a post office delivery person. For example, the deliverer information terminal 1 is an in-vehicle information terminal or a portable information terminal. The delivery person information terminal 1 is, for example, a bar code reader that reads and decodes a bar code printed on a tag or a delivery slip, or a magnetic tape such as a magnetic tape attached to a card used for settlement such as a credit card. Even if it is equipped with a card reader that reads information on a recording medium that uses a card, an RFID tag printed on a tag or a delivery slip, an RFID tag reader / writer that reads information on an RFID tag attached to a credit card, etc. good. An input device such as a keyboard or a touch panel may be provided. The deliverer information terminal 1 is usually realized by a dedicated information terminal or the like. However, it may be realized by a mobile phone, a smartphone, a notebook computer, or the like.

  The card identification information acquisition unit 101 acquires the card identification information of the payment card 5 presented by the user to whom the product is delivered. A user to whom a product is delivered may be considered as a recipient of the product. For example, the delivery destination of the product is a delivery destination input or notified by the purchaser at the time of purchasing the product. For example, the regular user may be considered as a user who has signed a use contract for the payment card 5, or may be considered as a holder of the payment card or a registered user. The information indicating the delivery destination usually includes the address of the delivery destination and the personal name or corporate name of the delivery destination, and is described in a product tag, a delivery label, a delivery slip, or the like. The payment card 5 is a card used for payment (for example, payment) at the time of product purchase. The settlement card 5 is, for example, a credit card or a David card. The product here may be a tangible object, an intangible object such as a program, or may include services. The payment card is provided with the card identification information of the payment card in an acquirable manner. The card identification information is a unique number of the payment card 5, for example. The granting in an acquirable manner may be, for example, that the card identification information of the card itself is written (engraved or printed) on the front and back surfaces of the payment card 5, for example. In addition, the granting in an acquirable manner means that the card identification information is stored in a readable manner on a magnetic recording medium such as a magnetic tape attached to the payment card 5 or an RFID tag attached to the payment card 5. It may be.

  The settlement card 5 presented by the delivery destination user is a settlement card presented for receiving the product, for example, the settlement card presented as the settlement card 5 used when the delivery destination user purchased the product to be delivered. Alternatively, the payment card 5 is associated with the payment card 5 used when purchasing the product to be delivered. The payment card 5 associated with one payment card is, for example, a payment card (so-called family card) issued to the family of a regular user of the one payment card. Or the other payment card 5 with which the same regular user contracted may be sufficient as the regular user of one payment card registered into the server apparatus 2 etc. which are mentioned later.

  The card identification information acquisition unit 101 reads out the card identification information stored in the magnetic recording medium of the payment card 5 or the RFID tag, for example, using a magnetic card reader (not shown), an RFID tag reader / writer, or the like (ie, ,get). Further, the card identification information acquisition unit 101 uses the card identification described in the settlement card 5 that is input by the merchant of the product via an input device (not shown) such as a keyboard or a touch panel of the deliverer information terminal 1. Information input may be accepted and acquired.

  The product described here is a product purchased by mail order or the like using the payment card 5. Preferably, it is a product purchased in a situation where it is difficult to present the payment card 5 itself. The product described here is associated with, for example, product identification information that is product identification information. The product identification information is, for example, a product name, a product code, a product serial number, and the like. Purchasing using the payment card 5 is, for example, inputting or notifying card identification information described in the payment card 5 to purchase a product. In addition, a product is purchased using card identification information read from the magnetic recording medium or the RFID tag of the payment card 5. In addition to the card number, information on the card holder, information on the expiration date, information on the security code, a personal identification number, and the like may be further used at the time of purchase.

  Although detailed description is omitted here, the card identification information is usually associated with an authorized user of the payment card. For example, a storage medium (for example, information that the card identification information is associated with information such as a user's real name, a bank account number, a personal identification number, and the like can be accessed by the settlement processing unit 214 of the server apparatus 2 described later (for example And a storage medium (not shown) in the settlement processing unit 214).

  The payment identification information acquisition unit 102 acquires payment identification information that is identification information of a payment made in purchase of a product. The payment identification information is specifically identification information of a payment made using a payment card. The payment identification information is, for example, a payment code corresponding to each payment. As a result, the payment identification information only needs to be information that can identify individual payments made in the purchase of the product. The order code corresponding to the payment, the sales code corresponding to the payment, and the sales corresponding to the payment. It may be a code, a delivery code of a product corresponding to settlement, a slip code, or the like. In addition, in the case where a product and a product code are associated with each other on a one-to-one basis, the payment identification information may be product identification information of a product for which payment is made. Here, the code is considered as a character string of one or more characters composed of letters and numbers.

  The payment identification information acquisition unit 102 acquires payment identification information about a product to be delivered, for example. The payment identification information is usually acquired immediately before the payment identification information acquisition unit 102 product is delivered to the delivery destination user.

  It does not matter how the payment identification information acquisition unit 102 acquires payment identification information about a product (for example, a product to be delivered). For example, the payment identification information for the product is written in advance on a label or tag indicating the delivery address attached to the product, a delivery slip of the product, etc. You may receive the payment identification information described in the label and tag which were input via the input device. In addition, a barcode or RFID tag on which payment identification information about the product is recorded is placed on a label or tag attached to the product, a delivery slip of the product, etc. The payment identification information of the product to be delivered may be acquired by reading the RFID tag information with a barcode reader or RFID tag reader / writer (not shown) possessed by the deliverer information terminal 1.

  In addition, when information indicating that a payment card must be presented by the user to whom the product is to be delivered is attached to the product to be delivered (for example, printed on a label for shipping, etc. Only when information indicating that presentation is necessary is stored in the barcode or the like), the product delivery person uses the card identification information acquisition unit 101 and the payment identification information acquisition unit 102 to You may make it acquire the card identification information of the payment card to show, and the payment identification information corresponding to the goods to deliver. Information indicating that it is necessary to present a payment card is described in advance in, for example, a label or tag indicating a delivery destination attached to a product, a delivery slip of the product, or the like. The information indicating that it is necessary to present a payment card is, for example, text, a symbol, a mark, or the like indicating that payment card presentation is required. Alternatively, a bar code reader or an RFID tag reader / writer may be used at the time of delivery by recording a barcode or a text or code indicating that a payment card must be presented on an RFID tag or the like. The delivery person may read the data from the bar code or RFID tag and confirm it. Alternatively, information that associates the payment identification information with information that indicates the necessity of presenting the payment card at the time of delivery is stored in a storage unit (not shown) in the deliverer information terminal 1 or the deliverer information terminal 1. Is stored in advance in an accessible recording medium such as a storage unit (for example, a recording medium in a server (not shown)) connected by a wireless network, a wireless communication line, etc. When the payment identification information is acquired for the product to be delivered, information on the necessity of presenting the payment card associated with the payment identification information is read out from an accessible storage unit (not shown), and the output unit 106 described later You may make it notify a delivery member using.

  The terminal-side input receiving unit 103 receives an input of non-presentation information that is information indicating that a settlement card is not presented by a user to whom the product is delivered. The non-presentation information may be any information as long as the information indicates that the payment card is not presented. The non-presentation information is, for example, a value designated in advance indicating no presentation. In addition, before accepting the input of non-presentation information, the terminal-side input acceptance unit 103 first accepts information indicating whether or not a settlement card is presented, and when accepting information indicating that there is no presentation, You may make it receive the input of non-display information. The reception here is reception of information input from an input device such as a numeric keypad, a keyboard, a mouse, or a touch panel. The terminal-side input receiving unit 103 can be realized by a device driver for input means such as a numeric keypad, a keyboard, and a touch panel, control software for a menu screen for input, and the like.

  The terminal-side transmission unit 104 transmits the card identification information acquired by the card identification information acquisition unit 101 and the payment identification information acquired by the payment identification information acquisition unit 102 to the server device 2. When the terminal-side input receiving unit 103 receives an input of non-presentation information, the terminal-side transmission unit 104 sends non-presentation information indicating that no payment card is presented and payment identification information to the server device 2. Send.

  The terminal-side receiving unit 105 receives availability information, which is information indicating whether to permit delivery of a product to a delivery destination user, from the server device 2. Here, delivering the product to the delivery destination user may be considered as, for example, finally delivering the product to the delivery destination user. The availability information may be information such as a flag indicating whether the delivery of the product is permitted or not, or may be information of a text or an image (including a still image or a moving image) indicating whether the delivery of the product is permitted or not permitted. Good.

  The output unit 106 outputs the availability information received by the terminal side receiving unit 105. Output here means display on a display, printing on a printer, sound output, transmission to an external device, storage in a recording medium, delivery of processing results to other processing devices or other programs, etc. It is a concept that includes.

  The output unit 106 may or may not include an output device such as a display or a speaker. The output unit 106 can be realized by driver software of an output device or driver software of an output device and an output device.

  The server device 2 is a server device used by, for example, a trader (for example, a so-called card company) that provides a payment system using a payment card. The server device 2 is realized by a computer or the like, for example.

  The purchase information storage unit 201 stores one or more pieces of purchase information which is information including card identification information of a payment card and payment identification information of payment performed using the payment card indicated by the card identification information at the time of product purchase. Is done. For example, the purchase information storage unit 201 stores the card identification information of the payment card used for the payment and the payment identification information for identifying the payment acquired when the payment processing unit 214 described later performs the payment process. The purchase information having the following is stored. The purchase information is information including the card identification information of the payment card used for payment and the payment identification information for the settled product. Since the purchase information is information corresponding to the sales of the product, it may be considered as sales information. The purchase information may further include information such as a product code, a product name, a purchase date, and a purchase store name of a product for which payment is made.

  The purchase information storage unit 201 is preferably a non-volatile recording medium, but can also be realized by a volatile recording medium. The same applies to other storage units.

  The server-side receiving unit 202 receives payment identification information and card identification information transmitted from the deliverer information terminal 1. In addition, the server-side receiving unit 202 receives settlement identification information and non-presentation information transmitted from the deliverer information terminal 1. The server-side receiving unit 202 is usually realized by wireless or wired communication means. The server side receiving unit 202 may or may not include a communication device.

  The card information storage unit 203 stores one or more pieces of card information including card identification information and card presentation designation information that is information related to presentation of a payment card corresponding to the card identification information. Card presentation designation information is information indicating whether or not it is necessary to present a payment card indicated by this card identification information when receiving a product that has been settled using the card identification information included in one card information. It is. For example, when the payment card indicated by the card identification information associated with the card information is used for payment for purchase of the delivered product, the card presentation designation information indicates that the payment card It is either information indicating that it is necessary at the time of receipt or information indicating that it is not necessary to present a payment card.

  Here, the value of the card presentation designation information indicating that it is necessary to present the payment card indicated by the card identification information used for the payment is called the personal limited receipt designation information, and it is not necessary to present the payment card. The value of the card presentation designation information shown is referred to as no receipt designation information.

  In addition, the card presentation designation information is the personal limited receipt designation information, the information indicating that the payment card indicated by the card identification information used for the payment or the payment card related to this payment card is required, or the receipt designation. None of the information may be used. The payment card associated with one payment card is, for example, a payment card (so-called family card) issued to a regular user's family of one payment card as described above. Note that the correspondence between one payment card and the payment card associated with this payment card is managed here by related card information stored in a related card information storage unit 204 described later. The value of the card presentation designation information indicating that it is necessary to present the payment card indicated by the card identification information corresponding to the card presentation designation information or the payment card related to the payment card is hereinafter referred to as personal-related limited receipt designation information. .

  The card presentation designation information is, for example, flag information indicating any of the above-mentioned personal limited receipt designation information, principal-related limited receipt designation information, or no receipt designation information. Or the information which shows the conditions for judging the condition where a payment card is shown may be sufficient.

  The card information may further include information such as identification information, name, and address of the user who has made a payment card contract.

  The card information storage unit 203 stores, for example, card information input by a user or a trader who provides a payment card when the payment card is contracted. The card presentation designation information and the like of the card information may be changed as appropriate according to a user instruction.

  For a specific payment card, the value of the card presentation designation information of the card information having the card identification information of the payment card is the person limited receipt designation information or the person related restriction at the time of payment card contract or application. It may be set in advance in any of the reception designation information. In this way, the user can automatically present the payment card used for the purchase when receiving the product to be delivered, which is purchased with this payment card, only by contracting this specific payment card. Can be needed.

  For all payment cards, when the payment card needs to be presented upon receipt of the product, the card information is unnecessary, and the card information storage unit 203 may be omitted.

  The related card information storage unit 204 stores one or more related card information, which is information indicating the correspondence between the card identification information of one payment card and the card identification information of the payment card associated with the one payment card. Is done. The payment card associated with one payment card is, for example, a payment card (so-called family card) issued to the family of a regular user of one payment card as described above, or a regular user of one payment card. Is another payment card with a contract. Here, a payment card associated with one payment card is referred to as a related card. For example, the related card information is one or more pieces of information including card identification information of one payment card and card identification information of a related card associated with the one payment card. The related card information is information in which common identification information is associated (given) only with the card identification information of one payment card and the card identification information of the related card associated with the payment card. . The related card information may be considered as information for managing the card identification information of one settlement card and the card identification information of the related card associated with the one settlement card as a group.

The delivery management information storage unit 205 includes one or more pieces of delivery management information, which is information including payment identification information and a confirmation date that is a date when the determination unit 208 acquires permission information indicating that the delivery of the product is permitted. Stored. The delivery management information may be considered as information for managing the arrival of a settled product and information for managing the delivery status. Until the determination unit 208 obtains the availability information for one piece of payment identification information, the value of the confirmation date of the delivery management information having the one piece of payment identification information is a blank or a value indicating a blank, such as null. A process for the determination unit 208 to acquire the availability information will be described later. For example, when the payment processing unit 214 makes one payment, the delivery management information including the identification information of the payment is accumulated by the payment processing unit 214 or the like.
The delivery management information stored in the delivery management information storage unit 205 may further include the date of shipment of the product purchased by the settlement indicated by the settlement identification information stored in the delivery management information. The shipping date of the product is, for example, the date when the purchased product is shipped from the store where the product is purchased or the delivery center of this store, or the purchased product is delivered from the store where the product is purchased. The day it was delivered to the person. However, the date when the delivery person first tried to deliver the purchased product to the user may be considered as the shipping date. As for the date of shipment of the product, for example, the server side reception unit 202 includes the payment identification information transmitted by the order side payment transmission unit 402 of the order receiving server device 4 and the date of shipment of the product corresponding to the payment identification information. Alternatively, the payment receiving unit 213 (to be described later) receives the data, and the received server-side receiving unit 202 or the payment receiving unit 213 receives the date of the delivery date of the delivery management information corresponding to the received payment identification information. It is accumulated by updating (for example, overwriting) with the date of the shipping date. Alternatively, in response to a notification from the store where the product was shipped, the date of the shipping date manually entered by a merchant handling the payment card via an input device (not shown) such as a keyboard is used for delivery management. It may be accumulated in information.

  The delivery management information storage unit 205 stores delivery management information, which is information including payment identification information and information indicating the delivery status of a product purchased by the payment indicated by the payment identification information. May be. Information indicating the delivery status of a product is information indicating the status of a product that has been settled. For example, the status in which a product is being prepared for shipment (not yet shipped), the status in which the product has been shipped, Indicates the situation where the payment card at the destination has been confirmed, the situation where the payment card at the delivery destination could not be confirmed at the time of delivery of the product, the situation where the payment for the product was canceled by the authorized user of the payment card, etc. Information.

  The confirmation date accumulating unit 206 includes a confirmation date acquired by the later-described determination unit 208 indicating whether or not the delivery of the product is permitted, among the delivery management information stored in the delivery management information storage unit 205. The server side receiving unit 202 accumulates the delivery management information having the payment identification information received. For example, the confirmation date accumulating unit 206 confirms this confirmation when the determination unit 208 described later acquires permission / prohibition information indicating that delivery of a product corresponding to the payment identification information received by the server-side receiving unit 202 is permitted. Information on the date of execution is obtained from a clock or the like (not shown) as a confirmation date. Then, the acquired confirmation date is accumulated as the value of the confirmation date of the delivery management information having the payment identification information received by the server side receiving unit 202 among the delivery management information stored in the delivery management information storage unit 205 ( For example, overwrite).

  The withdrawal date storage unit 207 stores the date of withdrawal date of the payment fee for the payment card. The withdrawal date storage unit 207 may store a plurality of withdrawal dates (for example, dates for each month). In addition, according to a rule for acquiring a withdrawal date such as “the third Friday of every month”, the date of the nearest withdrawal date generated by a processing unit (not shown) etc. It may be stored in the date storage unit 207. When a different withdrawal date is set for each payment card, information having the card identification information and the withdrawal date associated with each other may be stored in the withdrawal date storage unit 207. Here, storing is a concept including temporary storage.

  The determination unit 208 determines whether or not the purchase information having the payment identification information and the card identification information received by the server side reception unit 202 exists in one or more purchase information stored in the purchase information storage unit 201. Judgment is made to determine whether or not the delivery of the product corresponding to the settlement identification information is permitted. For example, the determination unit 208 determines that the purchase information having the payment identification information and the card identification information received by the server side reception unit 202 exists in one or more purchase information stored in the purchase information storage unit 201. In this case, the permission information for permitting delivery of the product corresponding to the payment identification information is acquired. Further, when it is determined that there is no purchase information having the payment identification information and the card identification information received by the server-side receiving unit 202, information indicating whether to permit delivery of a product corresponding to the payment identification information is acquired. The availability information is information indicating whether or not to allow delivery of a product (specifically, finally delivering the product to the user) as described above. It may be considered as the information for notifying the delivery person whether or not the delivery information is permitted or not. The determination unit 208 is configured such that the permission information when the product delivery is permitted and the permission information when the delivery is not permitted are associated with the determination result of the determination unit 208 and stored in advance in a storage medium (not shown). It suffices to read appropriately according to the determination result. As a result, the permission information may be information indicating whether or not the product can be delivered, and whether or not the user to whom the product is delivered is a legitimate user (that is, an authorized user of a payment card). It may be information indicating whether or not the user is a simple user.

  The determination unit 208 further includes, in the purchase information stored in the purchase information storage unit 201, the payment identification information received by the server side reception unit 202 and the card identification received by the server side reception unit 202 based on related card information. It is determined whether or not there is purchase information having one card identification information associated with the information, and the server-side receiving unit 202 uses the settlement identification information received by the server-side receiving unit 202 and the related card information. When it is determined that there is purchase information having one piece of card identification information associated with the received card identification information, permission / prohibition information indicating that delivery of a product is permitted may be acquired. If it is determined that the product does not exist, the availability information indicating that the delivery of the product is not permitted may be acquired. Note that the processing order of the processing using the card identification information received by the server-side receiving unit 202 and the processing using the card identification information related to the card identification information is not limited.

  Further, the determination unit 208 determines whether or not the server-side receiving unit 202 has received non-presentation information. If the determination unit 208 determines that the non-presentation information has been received, the settlement identification information received by the server-side receiving unit 202 is determined. The permission information indicating that the delivery of the product corresponding to is not permitted is acquired. In this case, the determination process using the card identification information as described above need not be performed.

  When the server-side receiving unit 202 receives the card identification information, the determination unit 208 determines the payment according to the card presentation designation information included in the card information including the payment identification information received by the server-side receiving unit 202. You may make it acquire the permission information which permits delivery of the goods corresponding to identification information.

  For example, the determination unit 208 needs to present the payment card indicated by the card identification information included in the card information included in the card information including the payment identification information received by the server-side receiving unit 202. In the case where the server-side receiving unit 202 includes the one or more pieces of purchase information stored in the purchase information storage unit 201 as described above, It is determined whether or not there is purchase information having the received payment identification information and card identification information, and availability information is acquired. Specifically, when the determination unit 208 determines that there is purchase information including the payment identification information received by the server-side receiving unit 202 and the card identification information received by the server-side receiving unit 202, Acquire information on whether to permit delivery. If it is determined that the item does not exist, the determination unit 208 acquires permission / prohibition information that does not permit delivery of the product.

  In addition, the determination unit 208 associates the card presentation designation information included in the card information including the payment identification information received by the server side reception unit 202 with the card identification information based on the card identification information included in the card information or related card information. If it is information indicating that it is necessary to present a payment card indicated by any one of the card identification information that has been stored (that is, if it is personal-related limited receipt designation information), it is stored in the purchase information storage unit 201. In the purchase information, the payment identification information received by the server-side receiving unit 202 corresponds to the card identification information received by the server-side receiving unit 202 based on the card identification information received by the server-side receiving unit 202 or related card information. It is determined whether or not there is purchase information having any one of the attached card identification information, and the availability information is obtained. It may be. For example, when it is determined that such purchase information exists, the server-side receiving unit 202 obtains permission / prohibition information that permits delivery of the product corresponding to the payment identification information received. Acquire information indicating whether delivery is not permitted.

  Further, the determination unit 208 further determines whether or not the card presentation designation information included in the card information including the payment identification information received by the server side reception unit 202 is information indicating that the card presentation is unnecessary. When it is determined that the card presentation designation information is information indicating that the card presentation is unnecessary (that is, information indicating no receipt designation), the availability information indicating that the delivery of the product is permitted is acquired.

  When the server-side receiving unit 202 receives non-presentation information, for example, the determination unit 208 determines that the card presentation designation information included in the card information including the payment identification information received by the server-side receiving unit 202 is the card The payment identification information received by the server-side receiving unit 202 when it is determined whether or not the information indicates that it is not necessary to present the card. If the information is information other than the information indicating that it is not necessary to present the card, the payment identification information received by the server-side receiving unit 202 is included in the payment identification information. Information indicating whether or not delivery of the corresponding product is not permitted may be acquired.

  Further, the determination unit 208 determines that the value of the confirmation date of the delivery management information having the payment identification information received by the server side receiving unit 202 among the delivery management information stored in the delivery management information storage unit 205 is the date. It is determined whether the date on which the server-side receiving unit 202 has received the payment identification information has passed a pre-specified date, and the value of the confirmation date is When it is determined that the value is not present and the due date has passed, availability information indicating that delivery of the product is not permitted may be acquired. The value indicating that there is no date may be a blank, for example, or may be a value indicating that the date is blank (for example, null).

  The due date satisfying the predesignated condition is, for example, the date when a predesignated period has elapsed from the date of shipment of the product. For example, it is a date when a predetermined period has elapsed from the date of delivery included in the delivery management information having the payment identification information received by the server-side receiving unit 202. The period specified in advance is specified by, for example, the number of days such as 10 days or 14 days. However, the unit is not asked. Information specifying this period is stored in advance in, for example, a storage medium (not shown).

  Further, the due date satisfying the predesignated condition is a date corresponding to the date when the payment fee for the payment card is deducted. The withdrawal date is, for example, a withdrawal date stored in the withdrawal date storage unit 207. The withdrawal date here is the closest withdrawal date that is closest to the present time. The date corresponding to the withdrawal date is, for example, a withdrawal date or a date that is a number of days prior to the withdrawal date. Further, the date corresponding to the withdrawal date may be a date on which the payment scheduled to be withdrawn on the withdrawal date can be canceled (hereinafter referred to as a cancelable date). When a cancelable date is used as the date corresponding to the withdrawal date, the cancelable date may be stored in the withdrawal date storage unit 207 and read out as appropriate.

  When making a determination using the value of the confirmation date as described above, the determination unit 208 obtains availability information using the card identification information or non-presentation information received by the server side reception unit 202 as described above. Before making a decision to determine whether or not the confirmation date value is a value indicating that there is no date and whether or not the due date has passed, the confirmation date value is a value indicating that there is no date And when it is not determined that the due date has passed, the server-side receiving unit 202 as described above makes a determination to acquire the availability information using the card identification information and the non-presentation information received. Is preferred.

  If the delivery management information having the payment identification information and the delivery status of the product purchased by the payment indicated by the payment identification information is stored in the delivery management information storage unit 205, this delivery status is stored. The determination unit 208 may determine whether or not there is an unauthorized use of the card corresponding to the payment identification information. For example, when the information indicating the delivery status of the product is a value indicating the status where the payment card cannot be confirmed at the delivery destination at the time of delivery of the product, the determination unit 208 corresponds to the information indicating the delivery status. It may be determined that the card has been illegally used in the payment indicated by the attached payment identification information.

  The contact information storage unit 209 stores one or more contact management information including card identification information and contact information of a regular user of the payment card indicated by the card identification information. A regular user is a contractor of a payment card, for example. The contact information includes, for example, an e-mail address, a facsimile number, a telephone number (including a mobile phone number), a social network account, and the like.

  The server side transmission unit 210 transmits the availability information acquired by the determination unit 208 to the deliverer information terminal 1. Here, the availability information acquired by the determination unit 208 may be transmitted as it is to the deliverer information terminal 1, or the server side transmission unit 210 acquires information corresponding to the availability information acquired by the determination unit 208. The transmission may be considered as the server-side transmission unit 210 substantially transmitting the availability information acquired by the determination unit 208. For example, the server-side transmission unit 210 reads transmission availability information prepared in advance in association with availability information that can be acquired by the determination unit 208 and stored in advance in a storage medium (not shown). You may transmit the credit availability information to the deliverer information terminal 1. Further, for example, the server-side transmission unit 210 is acquired by the determination unit 208 from a template that is stored in advance in a storage medium (not shown) and is prepared in advance in association with availability information that can be acquired by the determination unit 208. A template corresponding to the availability information is read out, and purchase information, card information, or delivery corresponding to the availability information acquired by the determination unit 208 and the payment identification information or card identification information received by the server side reception unit 202 is read into this template. The transmission permission information generated by appropriately arranging information included in the management information or the like may be transmitted to the deliverer information terminal 1.

  In addition, when the determination unit 208 acquires permission / prohibition information that does not permit delivery of the product, the server-side transmission unit 210 displays the contact information indicated by the contact information corresponding to the payment identification information received by the server-side reception unit 202. Information indicating that the payment card has been illegally used is further transmitted. The contact information corresponding to the payment identification information received by the server side receiving unit 202 is, for example, the card identification information received by the server side receiving unit 202 from the contact information management information stored in the contact information storage unit 209. The contact information associated with is acquired by searching or the like. If the server-side receiving unit 202 has not received the card identification information, the purchase information stored in the purchase information storage unit 201 is the card identification information corresponding to the payment identification information received by the server-side receiving unit 202. The contact information associated with the card identification information may be acquired from the contact information management information by searching or the like.

  The information indicating that the payment card has been illegally used is, for example, information having at least information for notifying an authorized user that there has been illegal use. The information indicating that there has been unauthorized use is, for example, text or image information indicating that there has been unauthorized use of a payment card. Moreover, it is preferable that the information indicating that there has been unauthorized use further includes information that can be used to confirm the contents of unauthorized use. Information that can be used to confirm the contents of fraudulent use includes, for example, various kinds of information such as payment identification information that is considered to have been fraudulent use, a product name included in purchase information having the payment identification information, and the like. For example, the server-side transmission unit 210 acquires these pieces of information, reads template information stored in a storage unit (not shown) such as the server-side transmission unit 210, etc., and adds the acquired information to the template information. Arrange and acquire information indicating that there was unauthorized use.

  Further, the information indicating that the payment card has been illegally used may include information for canceling (cancelling) the payment made by the illegal use of the payment card. The payment made by unauthorized use is the payment identification information received by the server-side receiving unit 202 when the determination unit 208 acquires the permission / prohibition information that the delivery is not permitted. The information for canceling the payment is, for example, information including payment identification information indicating the payment to be canceled, and link information or URL to a WEB site or the like for canceling the payment. Further, it may be payment identification information and a telephone number or a facsimile number for contacting a card company or a store to cancel the payment. Instead of the payment identification information, it may have cancellation information including payment identification information to be canceled and information indicating that the payment indicated by the payment identification information is to be canceled.

  For example, information indicating that a payment card has been used illegally is for receiving a button (including a link button) for canceling the payment due to unauthorized use and an instruction for canceling the payment associated with this button. Email information including a set of link information to the WEB page provided by the server device 2 and payment identification information to be canceled, as information for canceling the payment made by unauthorized use of the payment card It is.

  If the date corresponding to the withdrawal date described above is a cancelable date, the server-side transmitting unit 210 determines whether the date when the server-side receiving unit 202 has received the payment identification information has passed the cancelable date. In response, information indicating that the payment card has been illegally used may be acquired and transmitted to the contact indicated by the contact information.

  For example, if the date on which the payment identification information is received is before the cancelable date, there is an unauthorized use of a payment card including information indicating that the payment can be canceled or information for canceling the payment. If the date is after the cancelable date, information indicating that the payment cannot be canceled and the reason (specifically, the cancelable date has passed) You may make it transmit the information which shows that there existed unauthorized use of the payment card containing the information to show. The information to be transmitted may be information including a cancelable date.

  Further, the server-side transmitter 210 receives information indicating that the payment cannot be canceled if the date when the payment identification information is received has passed the withdrawal date, and the reason (specifically, payment It is also possible to acquire information indicating that the payment card including the information indicating that the payment card has been used has been illegally used and transmit the information to the contact indicated by the contact information.

  For example, the determination unit 208 determines whether the date on which the server-side receiving unit 202 has received the payment identification information has passed the cancelable date, whether it has passed the withdrawal date, or the like. Like that.

  It should be noted that the server device 2 or a so-called card company that uses the server device 2 may not be charged for the product unless the product has been delivered. For example, when the server device 2 obtains information for permitting the delivery of a product, the determination unit 208 stores the delivery management information in association with the information for permitting the withdrawal of the charge for the product with the product identification information. In the storage unit 205 or the like, the server device 2 or the card company using the server device 2 deducts the charge only for the product indicated by the product identification information associated with the information allowing the withdrawal. You may do it. When delivery is completed, information indicating delivery completion is transmitted from the deliverer information terminal 1 to the server device 2, and the server device 2 associates the received information indicating delivery completion with the product identification information. Thus, it may be stored in the delivery management information storage unit 205 or the like.

  The cancellation instruction reception unit 211 receives a payment cancellation instruction transmitted from the transmission destination to which the server-side transmission unit 210 has transmitted information indicating that the payment card has been illegally used. The transmission destination that has transmitted information indicating that the payment card has been illegally used corresponds to the payment identification information received by the server-side receiving unit 202 when the determination unit 208 obtains information indicating whether delivery is not permitted. The contact information indicated by the contact information to be displayed. The payment cancellation instruction is an instruction to cancel the payment indicated by the payment identification information corresponding to the unauthorized use as described above. The payment cancellation instruction is information having, for example, payment identification information of a payment to be canceled, a command for instructing execution of cancellation, and the like. For example, as a result of operating a button for canceling the payment included in the information indicating that the fraudulent use has been performed, the payment transmitted from the transmission destination that has transmitted the information indicating that the payment card has been fraudulently used. Instruction to cancel. The acceptance here is reception of a payment cancellation instruction transmitted from the user terminal 3 or the like. The cancellation instruction reception unit 211 can be realized by, for example, communication means or driver software thereof. However, the cancellation instruction receiving unit 211 may receive a payment cancellation instruction via an input device (not shown) or the like.

  The cancellation processing unit 212 cancels settlement according to the settlement cancellation instruction received by the cancellation instruction reception unit 211. For example, when the server-side receiving unit 202 or the like receives a payment cancellation instruction, the cancellation processing unit 212 performs a payment cancellation process indicated by the payment identification information specified by the received payment cancellation instruction. For example, the cancellation processing unit 212 deletes purchase information or delivery management information corresponding to the payment identification information specified by the payment cancellation instruction, or indicates that cancellation has occurred in the corresponding purchase information or delivery management information. Flag information etc. are given. In addition, information related to the payment identification information specified by the payment cancellation instruction is deleted from the information managing the usage charges generated by the payment, or the usage charge corresponding to the payment identification information specified by the payment cancellation instruction. Flag information indicating that cancellation has occurred is added to the information regarding It should be noted that the settlement cancellation process is a known technique as a normal credit card process, and therefore detailed description thereof is omitted here.

  The settlement receiving unit 213 receives information and the like transmitted from the order receiving server device 4 and necessary for performing settlement at the time of product purchase with the settlement card. The information necessary for making a settlement is, for example, information such as the price of a purchased product, a product code, card identification information used for purchasing the product, a purchase date, and a store name.

  The settlement processing unit 214 uses the information received by the settlement receiving unit 213 to perform a settlement process for purchasing a product. The payment processing unit 214 has, for example, information necessary for payment, for example, information on the limit amount and information on the amount used so far, on an accessible storage medium (not shown). Use the payment process as appropriate. Since a process for making a payment for purchasing a product using a payment card is a known technique, a detailed description thereof is omitted here. When the payment processing unit 214 performs payment processing and the payment is approved, information in which the information received by the payment reception unit 213 is associated with the payment identification information is purchased information, delivery management information, or the like. Are stored in the purchase information storage unit 201, the delivery management information storage unit 205, and the like. Note that the payment identification information may be received from the order receiving server device 4, or the payment processing unit 214 may acquire the payment identification information according to a rule specified in advance for each payment process.

  The settlement result transmission unit 215 transmits information indicating the settlement result performed by the settlement processing unit 214 to the order receiving server device 4. The information indicating the payment result is information indicating that the payment is successful (completed) or information indicating that the payment processing is not successful. If the payment is successful, the payment result transmission unit 215 may transmit information indicating the payment result including the payment identification information of the payment. The settlement result transmission unit 215 can be realized by a communication unit or the like, for example.

  The user terminal 3 is an information processing terminal of a user who uses a payment card. The user terminal 3 is, for example, a computer, a mobile phone, a smartphone, or the like.

  The user-side receiving unit 301 receives information specifying a product to be purchased input by the user and card identification information of a payment card used for purchasing the product. The information specifying the product is, for example, product identification information such as a product code or a product name. The user-side receiving unit 301 may further receive information such as an address that specifies the delivery destination of the product. Moreover, the user side reception part 301 may receive other information etc. required for the purchase of goods. The input means used when inputting such information may be anything such as a numeric keypad, a keyboard, a mouse, or a menu screen.

  In addition, the user-side receiving unit 301 may receive an operation for canceling a payment that has been illegally used. Here, in particular, the user-side receiving unit 301 performs an operation for canceling a payment for a payment with illegal use indicated by information indicating that the payment card received by the user-side receiving unit 303 described later was used illegally. May be accepted. For example, the user-side receiving unit 301 may receive an operation for outputting a payment cancellation instruction for payment due to unauthorized use. For example, a button (not shown) for canceling the payment that has been illegally used is displayed on the information indicating that the payment card received by the user-side receiving unit 303 described later has been illegally used, and this button is pressed. When a program (for example, a script or the like) for executing a process for canceling a payment that has been used illegally is included, the user-side receiving unit 301 has a button for canceling An operation of pressing may be accepted. The user-side receiving unit 301 can be realized by a device driver of input means such as a numeric keypad or a keyboard, menu screen control software, or the like.

  The user-side transmitting unit 302 transmits information including information specifying the product received by the user-side receiving unit 301 and card identification information to the order receiving server device 4. In addition, as described above, when the user-side receiving unit 301 receives an operation for canceling a payment for which unauthorized use has been performed, the user-side receiving unit 301 may transmit a payment cancellation instruction, which is an instruction for canceling the payment, to the server device 2 or the like. Good. The settlement cancellation instruction is information including settlement identification information of a settlement to be canceled, a command for instructing execution of cancellation, and the like. For example, the user-side transmitting unit 302 sends a payment cancellation instruction to a location where a WEB page for receiving an instruction for canceling the payment in the server device 2 is stored, or a location of a program that executes a process for canceling the payment. Send.

  The user-side receiving unit 303 receives information indicating that the payment card has been illegally used from the server device 2. For example, the user-side receiving unit 303 receives information indicating that a payment card transmitted by e-mail has been illegally used.

  The user side output unit 304 outputs information indicating that the payment card received by the user side reception unit 303 has been illegally used. In addition, the user-side output unit 304 may further output information for accepting an operation for canceling the payment made by the unauthorized use of the payment card, which is included in the information indicating that the payment card has been illegally used. good. The output here is a concept including display on a display, printing on paper or the like by a printer, sound output, transmission to an external device, and the like. The user side output unit 304 may or may not include an output device such as a display or a printer. The user-side output unit 304 can be implemented by output device driver software, or output device driver software and an output device.

  The order receiving server device 4 is a server device used by a trader who sells merchandise. For example, the order receiving server device 4 is a server device that provides a so-called shopping site. The order receiving server device 4 is usually realized by a computer or the like.

  The order receiving side reception unit 401 receives information specifying a product that the user desires to purchase and card identification information of a payment card from the user terminal 3. In addition, the order receiving unit 401 may further receive information such as an address that specifies a delivery destination of a product. Moreover, you may receive the information required for the purchase of goods other than these information. These pieces of information may be considered as information for receiving a product order. The reception here is, for example, reception of such information transmitted from the user terminal 3. The receiving side receiving unit 401 for receiving is normally realized by a wireless or wired communication means. The order-receiving side receiving unit 401 may or may not include a communication device. The order receiving side reception unit 401 receives information including information specifying a product that the user desires to purchase and card identification information of a payment card, which are input via an input device (not shown). Also good.

  The order-side settlement transmission unit 402 transmits the card identification information received by the order-side reception unit 401, information specifying the product received by the order-side reception unit 401, information on the price of this product, and the like to the server device 2. To do. Information on the price of a product is searched by using information specifying an accepted product from information specifying a product stored in a storage unit (not shown) and the price of the product in association with each other. It can be acquired. These pieces of information transmitted by the order-side payment transmission unit 402 may be considered as information used for the product payment process. The order-side payment transmission unit 402 is usually realized by a wireless or wired communication means. The order-side payment transmission unit 402 may or may not include a communication device.

  The order-side settlement result receiving unit 403 receives information indicating a settlement result transmitted from the server device 2. When the payment is successful, information indicating the result of the payment including the payment identification information of the successful payment is received.

  If the payment result received by the order-side payment result receiving unit 403 is information indicating that the payment has been successful, the shipping information output unit 404 outputs information for shipping the product for which payment has been made. Specifically, the payment identification information included in the information indicating that the payment is successful is acquired, and information for shipping a product having the payment identification information is output. The information for shipping the product is, for example, an instruction for shipping the product. Alternatively, it is a process of outputting (for example, printing) a tag, a label, or a cover sheet used for delivery of a product in which payment identification information is described, and a process of storing information for outputting these in a recording medium or the like. . Alternatively, a process for outputting a barcode storing settlement identification information, a tag, a label or a cover sheet in which an RFID tag is arranged, or a process for accumulating information to be output in a storage medium (not shown), a delivery person, etc. The process etc. which transmit to the server apparatus etc. (not shown) which etc. use may be sufficient.

  Output here means display on a display, projection using a projector, printing on a printer, sound output, transmission to an external device, storage on a recording medium, other processing device or other program, etc. It is a concept including delivery of processing results. The shipping information output unit 404 may or may not include an output device such as a display or a printer. The shipping information output unit 404 can be realized by driver software of an output device or driver software of an output device and an output device.

  Next, an example of the operation of the deliverer information terminal 1 of the information processing system 1000 will be described using the flowchart of FIG.

  (Step S101) The settlement identification information acquisition unit 102 determines whether or not the settlement identification information for the product to be delivered has been acquired. For example, it is determined whether or not the payment identification information read using a bar code reader or RFID tag reader / writer (not shown) has been acquired. Alternatively, it is determined whether or not payment identification information input by an operation of a keyboard or a touch panel (not shown) is acquired. If acquired, the process proceeds to step S102. If not acquired, the process returns to step S101.

  (Step S102) The deliverer information terminal 1 determines whether or not a settlement card is presented from the delivery destination user. For example, when an operation for displaying an input screen for card identification information is received, it is determined that a payment card is presented. Further, for example, when an operation for displaying an input screen for non-presentation information or the like is received, it is determined that no payment card is presented. When it is determined that there is a presentation, the process proceeds to step S103, and when it is determined that there is no presentation, the process proceeds to step S107.

  (Step S103) The card identification information acquisition unit 101 determines whether or not the card identification information has been acquired. For example, it is determined whether or not the card identification information read from the payment card is acquired using a magnetic card reader or RFID tag reader / writer (not shown). Alternatively, it is determined whether or not card identification information of a payment card input by an operation of a keyboard or a touch panel (not shown) is acquired. If acquired, the process proceeds to step S104. If not acquired, the process returns to step S103.

  (Step S <b> 104) The terminal-side transmitting unit 104 transmits the set of the payment identification information acquired in Step S <b> 101 and the card identification information acquired in Step S <b> 103 to the server device 2.

  (Step S <b> 105) The terminal-side receiving unit 105 determines whether or not the availability information transmitted from the server device 2 has been received. If received, the process proceeds to step S106. If not received, the process returns to step S105.

  (Step S106) The output unit 106 outputs the availability information received in step S105. For example, the output unit 106 displays availability information on a monitor or the like (not shown). Then, the process ends.

  (Step S107) The terminal-side input receiving unit 103 determines whether or not an input of non-presentation information has been received. If accepted, the process proceeds to step S108. If not accepted, the process returns to step S107.

  (Step S108) The terminal-side transmission unit 104 transmits the set of the payment identification information acquired in Step S101 and the non-presentation information acquired in Step S107 to the server device 2. Then, the process proceeds to step S105.

  In the flowchart of FIG. 3, the process ends when the power is turned off or the process is terminated.

  Next, operation | movement of the server apparatus 2 of the information processing system 1000 is demonstrated using the flowchart of FIG.

  (Step S201) The settlement receiving unit 213 determines whether information necessary for settlement has been received. Information necessary for settlement is information that is transmitted by the order receiving server device 4 or the like, for example, information necessary for settlement in the purchase of a product using a settlement card, or purchase information about settlement contents after settlement. Information used for. The information necessary for payment is information including, for example, card identification information of a payment card used for payment and a price of a product purchased with the payment card. The information necessary for the payment may further include information such as a product code, a product name, a quantity of the product, and a security code of the payment card. If received, the process proceeds to step S202. If not received, the process proceeds to step S207.

  (Step S202) The settlement processing unit 214 performs a settlement process using the information related to the settlement received in Step S201. Since the payment process performed using the card identification information of a payment card such as a credit card is a known technique, the description thereof is omitted here. In the payment process, it is not necessary to use all the information related to the payment received in step S201.

  (Step S203) The settlement processing unit 214 determines whether or not the settlement is successful. If successful, the process proceeds to step S204. If unsuccessful, the process proceeds to step S206.

  (Step S204) The payment processing unit 214 acquires payment identification information. Then, the purchase information associated with the acquired payment identification information and the delivery management information are accumulated in the purchase information storage unit 201 and the related card information storage unit 204 for the settled product. Here, the delivery management information to be stored is delivery management information in which the value of the confirmation date is a value indicating that there is no date.

  (Step S205) The settlement result transmitting unit 215 transmits settlement result information indicating that the settlement is successful to the order receiving server device 4. For example, the payment result information transmitted by the payment result transmission unit 215 is information including the payment identification information acquired in step S203. Then, the process returns to step S201.

  (Step S206) The settlement result transmission unit 215 transmits settlement result information indicating that the settlement has failed to the order receiving server device 4. Then, the process returns to step S201.

  (Step S207) The server-side receiving unit 202 determines whether a set of non-presentation information and settlement identification information transmitted from the deliverer information terminal 1 has been received. If received, the process proceeds to step S208. If not received, the process proceeds to step S219.

  (Step S208) The determination unit 208 determines whether or not the value of the confirmation date included in the delivery management information corresponding to the payment identification information received in step S207 is a value indicating that there is a date. Specifically, the determination unit 208 determines whether there is a date as the value of the confirmation date. If it is a value indicating a date, the process proceeds to step S212, and if it is not a value indicating a date, the process proceeds to step S209.

  (Step S209) The confirmation date accumulation unit 206 accumulates today's date as the confirmation date value of the delivery management information. Today's date is acquired from, for example, a clock (not shown).

  (Step S <b> 210) The determination unit 208 determines whether or not today's date has passed the date corresponding to the withdrawal date stored in the withdrawal date storage unit 207. For example, the determination unit 208 determines whether or not the difference between the withdrawal date and today's date is less than a predetermined number of days (however, 0 or a positive value) as the determination process. If so, it may be determined that the date corresponding to the withdrawal date has passed, and if it is not less than the number of days, it may be determined that the date corresponding to the withdrawal date has not passed. If the date has passed, the process proceeds to step S215. If the date has not passed, the process proceeds to step S211.

  (Step S211) Whether the determination unit 208 has passed (or passed) a pre-specified period from the date of today included in the delivery management information corresponding to the payment identification information received in Step S207. Judge whether or not. For example, the determination unit 208 determines that the predetermined period has not elapsed if the difference between today's date and the date of shipment is within a predetermined period as the determination process. May exceed the period specified in advance, it may be determined that the period specified in advance has elapsed. If the period has passed, the process proceeds to step S215, and if the period has not passed, the process proceeds to step S213. In addition, when there is no date of shipping date, it is determined that the period has not elapsed.

  (Step S212) The determination unit 208 determines whether or not the card presentation designation information included in the card information corresponding to the payment identification information received in Step S207 is no receipt designation information. If the information is no reception designation information, the process proceeds to step S213.

  (Step S213) The determination unit 208 acquires permission / prohibition information indicating that delivery of a product is permitted.

  (Step S214) The server-side transmission unit 210 transmits the availability information acquired in step S213 to the deliverer information terminal 1 that is the transmission source of the set of the non-presentation information and the payment identification information received in step S207. Then, the process returns to step S201. The server-side transmission unit 210 may read and transmit the transmission availability information corresponding to the availability information acquired in step S213 from a storage medium (not shown) or the like, and may acquire the availability information acquired in step S213 in advance. The availability information acquired by arranging in a template or the like stored in a storage medium (not shown) may be transmitted. This also applies to the transmission of the following availability information.

  (Step S215) The determination unit 208 acquires permission / prohibition information indicating that delivery of a product is not permitted.

  (Step S216) The server-side transmission unit 210 transmits the availability information acquired in step S215 to the deliverer information terminal 1 that is the transmission source of the set of non-presentation information and settlement identification information.

  (Step S217) The server-side transmission unit 210 acquires card identification information corresponding to the payment identification information received in step S207 from the purchase information stored in the purchase information storage unit 201, and corresponds to this card identification information. Contact information is acquired from the contact information storage unit 209.

  (Step S218) The server-side transmitting unit 210 transmits information indicating that the payment card has been illegally used to the contact indicated by the contact information acquired in Step S217. This information may include information for canceling the payment made by unauthorized use of the payment card. Then, the process returns to step S201.

  (Step S219) The server-side receiving unit 202 determines whether a set of card identification information and payment identification information transmitted from the deliverer information terminal 1 has been received. If received, the process proceeds to step S220. If not received, the process proceeds to step S221.

  (Step S220) The server device 2 performs a process of determining whether or not the product can be delivered. Details of this processing will be described later. Then, the process returns to step S201.

  (Step S221) The cancellation instruction accepting unit 211 determines whether a settlement cancellation instruction for canceling the settlement performed by the settlement processing unit 214 or the like has been received. The settlement cancellation instruction here is information including settlement identification information of the settlement to be canceled, for example. If accepted, the process proceeds to step S222. If not accepted, the process returns to step S201.

  (Step S222) The cancellation processing unit 212 performs processing for canceling the settlement indicated by the settlement cancellation instruction received in step S221. For example, a process for canceling the settlement indicated by the settlement identification information included in the settlement cancellation instruction is performed. Then, the process returns to step S201.

  In the flowchart of FIG. 4, the process ends when the power is turned off or the process ends.

  Next, details of the operation of determining whether or not delivery is possible when the server device 2 of the information processing system 1000 receives a set of card identification information and payment identification information will be described with reference to the flowchart of FIG.

  (Step S301) The determination unit 208 determines whether or not the value of the confirmation date included in the delivery management information corresponding to the payment identification information received in step S219 of FIG. 4 is a value indicating that there is a date. . If it is a value indicating a date, the process proceeds to step S302, and if it is not a value indicating a date, the process proceeds to step S305.

  (Step S302) The confirmation date storage unit 206 stores today's date as the confirmation date value of the delivery management information. Today's date is acquired from, for example, a clock (not shown).

  (Step S303) The determination unit 208 determines whether or not today's date has passed the date corresponding to the withdrawal date stored in the withdrawal date storage unit 207. This process is the same as the process of step S210. If the date has passed, the process proceeds to step S308. If the date has not passed, the process proceeds to step S304.

  (Step S304) Whether the determination unit 208 has passed (or passed) a pre-specified period from the date of today included in the delivery management information corresponding to the payment identification information received in step S219. Judge whether or not. This process is the same as the process of step S211. If the period has passed, the process proceeds to step S308, and if the period has not passed, the process proceeds to step S305. In addition, when there is no date of shipping date, it is determined that the period has not elapsed.

  (Step S305) The determination unit 208 determines whether or not the card presentation designation information included in the card information corresponding to the payment identification information received in step S219 is no receipt designation information. If the information is no receipt designation information, the process proceeds to step S306. If the information is not receipt designation information, the process proceeds to step S312.

  (Step S306) The determination unit 208 acquires permission / prohibition information indicating that delivery of a product is permitted.

  (Step S307) The server-side transmission unit 210 transmits the availability information acquired in step S306 to the deliverer information terminal 1 that is the transmission source of the set of the card identification information and the payment identification information received in step S219. Then, the process returns to the upper process.

  (Step S308) The determination unit 208 acquires permission / prohibition information indicating that delivery of a product is not permitted.

  (Step S309) The server-side transmission unit 210 transmits the availability information acquired in step S308 to the deliverer information terminal 1 that is the transmission source of the set of card identification information and settlement identification information.

  (Step S310) The server-side transmission unit 210 acquires contact information corresponding to the card identification information received in step S219 from the contact information storage unit 209.

  (Step S311) The server-side transmission unit 210 transmits information indicating that the payment card has been illegally used to the contact indicated by the contact information acquired in Step S310. This information may include information for canceling the payment made by unauthorized use of the payment card. Then, the process returns to the upper process.

  (Step S312) The determination unit 208 determines whether or not the card presentation designation information included in the card information corresponding to the payment identification information received in Step S219 is the personal limited receipt designation information. If it is personal limited receipt designation information, the process proceeds to step S313, and if it is not personal limited receipt designation information, the process proceeds to step S315. Here, the case where the information is not personal limited reception information indicates that the card presentation designation information is personal related limited reception information.

  (Step S313) The determination unit 208 searches the purchase information stored in the purchase information storage unit 201 for purchase information including the card identification information received in step S219 and the payment identification information.

  (Step S314) The determination unit 208 determines whether or not there is purchase information (detected) including the card identification information and the payment identification information received in step S219 as a result of the search in step S313. If there is purchase information, the process proceeds to step S306, and if there is no purchase information, the process proceeds to step S308.

  (Step S315) The determination unit 208 uses the related card information stored in the related card information storage unit 204 to identify one or more payment cards related to the payment card indicated by the card identification information received in step S219. Get information. Specifically, one or more pieces of card identification information associated with the card identification information received in step S219 are acquired from the related card information stored in the related card information storage unit 204.

  (Step S316) The determination unit 208 includes, in the purchase information stored in the purchase information storage unit 201, any one of the card identification information received in Step S219 or the one or more pieces of card identification information acquired in Step S315. The purchase information including the payment identification information received in step S219 is searched. For example, the determination unit 208 searches for purchase information including the payment identification information received in step S219. If the purchase information can be detected by the search, whether the card identification information included in the purchase information matches either the card identification information received in step S219 or the one or more card identification information acquired in step S315. Determine whether. If it matches any one, the determination unit 208 determines either one of the card identification information received in step S219 or the one or more pieces of card identification information acquired in step S315, and the payment identification information received in step S219. It is determined that there is purchase information including. If they do not match or purchase information corresponding to the payment identification information cannot be detected, one of the card identification information received in step S219 or one or more pieces of card identification information acquired in step S315. It is determined that there is no purchase information including the payment identification information received in step S219.

  (Step S317) In the determination process of step S316, the determination unit 208 selects one of the card identification information received in step S219 or the one or more pieces of card identification information acquired in step S315, and the settlement received in step S219. It is determined whether or not there is purchase information including identification information. When it can detect, it progresses to step S306, and when it cannot detect, it returns to step S308.

  Next, the operation of the user terminal 3 of the information processing system 1000 according to this embodiment will be briefly described.

  Information for specifying a product, card identification information for a payment card, information for specifying a delivery destination of a product, etc. as information for the user-side receiving unit 301 of the user terminal 3 to purchase a product using the order receiving server device 4 Is received, the user-side transmitting unit 302 transmits these pieces of information to the order receiving server device 4.

  In addition, the server device 2 receives information indicating that the payment card transmitted to the contact indicated by the contact information has been illegally used, the user-side receiving unit of the user terminal 3 that is the contact indicated by the contact information. 303 receives. Then, the user-side output unit 304 outputs information indicating that the payment card received by the user-side receiving unit 303 has been illegally used. For example, it is displayed on a monitor (not shown).

  Further, for example, information indicating that the payment card has been fraudulently used, information for canceling the payment that has been fraudulent use (for example, the payment identification information of the payment that has been fraudulent use, If the user performs an operation for canceling a product that has been subject to unauthorized use using this information, the user-side receiving unit 301 performs this operation. The user-side transmission unit 302 transmits to the server apparatus 2 a payment cancellation instruction for canceling the payment that has been subject to unauthorized use.

  Next, the operation of the order receiving server device 4 of the information processing system 1000 according to the present embodiment will be briefly described.

  When the order-receiving unit 401 receives information from the user terminal 3 for purchasing the product, including information specifying the product, card identification information of the payment card, information specifying the delivery destination of the product, etc., the order-side payment The transmission unit 402 acquires information (for example, information such as card identification information and a product code) used for payment for purchasing a product from the received information and the like, and transmits the information to the server device 2.

  The order-side settlement result receiving unit 403 receives information indicating the result of settlement performed by the server apparatus 2 from the server apparatus 2 in accordance with information used for settlement or the like transmitted by the order-side settlement transmission unit 402. If the settlement result is information indicating that the settlement is successful, the shipping information output unit 404 ships the product for settlement including the settlement identification information included in the settlement result information. Output information for For example, the order-side settlement result receiving unit 403 prints a delivery label or a cover page on which a barcode indicating settlement identification information is printed. Alternatively, data for printing such a delivery label and delivery information is output.

  Hereinafter, a specific operation of the information processing system 1000 in the present embodiment will be described. Here, a case where the settlement card 5 is a credit card will be described as an example. The conceptual diagram of the information processing system 1000 of this specific example is the one shown in FIG. Here, as an example, the order receiving server device 4 is a WEB server device used by a company operating an Internet shopping site to provide this shopping site, and the user terminal 3 is a user who purchases products from the Internet shopping site. Information processing terminal to be used, payment card 5 is a credit card, server device 2 is a server device used by a credit card company that issued the credit card 5, and delivery information terminal 1 is sent by a company operating an Internet shopping site. A case will be described as an example where the information terminal is used by a courier that delivers products purchased by the user of the user terminal 3.

  6A is a schematic view of the deliverer information terminal 1 viewed from the front side, and FIG. 6B is a schematic view of the deliverer information terminal 1 viewed from the back side. The deliverer information terminal 1 is assumed to have a bar code reader 110 and a magnetic card reader 120.

  FIG. 7 is a card information management table for managing card information stored in the card information storage unit 203 of the server device 2. The card information management table has items such as “card ID”, “card presentation flag”, and “card entry date”. “Card ID” is card identification information of a payment card. The “card presentation flag” is card presentation designation information. Here, it is assumed that the value “1” indicates “personal limited receipt designation information”, the value “2” indicates “personal limited receipt designation information”, and the value “3” indicates “no receipt designation information”. “Card entry date” indicates the date on which a payment card usage contract is made. Here, as an example, it is assumed that the card information is information that is stored or updated at the time of payment card contract or contract update. In FIG. 7, it is assumed that each line is one record of card information.

  FIG. 8 is a purchase information management table for managing purchase information stored in the purchase information storage unit 201 of the server device 2. The purchase information management table includes information such as “settlement ID”, “product code”, “product name”, “purchase date”, “card ID”, and “purchase store name”. “Settlement ID” is settlement identification information. “Product code” and “product name” are the product code and product name of the purchased product. “Purchase date” is the purchase date of the product. “Card ID” is card identification information used for settlement, and corresponds to “Card ID” in FIG. The “purchased store name” is the name of the purchased store where the product is purchased. In FIG. 8, it is assumed that each row is one record of purchase information.

  FIG. 9 is a delivery management information management table for managing delivery management information stored in the delivery management information storage unit 205. The delivery management information management table has items of “settlement ID”, “product code”, “product status”, “shipment date”, and “confirmation date”. The “settlement ID” and “product code” correspond to the “settlement ID” in FIG. “Product status” is information indicating the status of the settled product, the value “1” indicates that the product is being prepared for shipment (not yet shipped), and the value “2” is the status where the product has been shipped. The value “3” indicates that the payment card at the delivery destination has been confirmed at the time of product delivery, and the value “4” indicates that the payment card at the delivery destination cannot be confirmed at the time of delivery of the product. The value “5” indicates a situation where the payment for the product is canceled by the authorized user of the payment card. The “shipping date” is the shipping date of the product corresponding to the settlement. The “confirmation date” is a confirmation date when the payment card can be confirmed at the delivery destination of the product. In the present embodiment, for example, information on “product status” and “shipping date” input to the delivery information terminal 1 or the like by the deliverer and transmitted in association with the payment identification information from the delivery information terminal 1 or the like. Are stored or updated as values of “product status” and “ship date” in the delivery management information management table. In FIG. 9, it is assumed that each row is one record of delivery management information.

  FIG. 10 is a related card information management table for managing related card information stored in the related card information storage unit 204. The related card information management table has items of “card ID” and “related ID”. The “card ID” corresponds to the “card ID” in FIG. “Related ID” is information for identifying a related payment card. A common value is assigned to a plurality of related payment cards, and a different value is assigned to an unrelated payment card. It is assumed that card identification information of a payment card having no related payment card is not stored in the related card information management table. In FIG. 10, it is assumed that each row is one record of related card card information.

  FIG. 11 is a contact management information management table for managing contact management information stored in the contact information storage unit 209. The contact management information management table has items of “card ID” and “contact information”. The “card ID” corresponds to the “card ID” in FIG. “Contact information” is contact information, which is an e-mail address here. In FIG. 11, it is assumed that each row is one record of contact management information.

  First, one user operates the user terminal 3 to access a so-called shopping site published by the one order receiving server device 4 on the Internet, and selects one product displayed on the shopping site. Suppose that the user inputs the card identification information of the payment card 5 to which the user has contracted, the information of the holder of the payment card, the expiration date of the payment card 5, the name, the home address, etc. in order to purchase the selected product. The user-side receiving unit 301 receives the input information, information indicating the selected product (for example, product code, product name, identification information of a page displaying the product), and the like. If the user presses a button or the like for determining purchase by operating a mouse or a touch panel, the information received by the user side reception unit 301 is transmitted to the one order receiving server device 4 via the network. .

  The order receiving side reception unit 401 of the order receiving server device 4 receives these pieces of information transmitted from the user terminal 3. Of the information transmitted from the user terminal 3 received by the order receiving section 401, information necessary for settlement in the server device 2, such as card identification information, product code, product name, etc. The order-side payment transmission unit 402 transmits information necessary for accumulating purchase information and the like to the server device 2.

  When the settlement receiving unit 213 of the server apparatus 2 receives information used for settlement or the like transmitted from the order receiving server apparatus 4, the settlement processing unit 214 performs settlement processing using the received information as appropriate. When the payment is successful by the payment processing (when payment is permitted), the payment processing unit 214 acquires the payment identification information in accordance with a rule specified in advance, and purchase information and delivery having the acquired payment identification information. Management information is acquired and stored in the purchase information storage unit 201 and the delivery management information storage unit 205. Specifically, one record including the payment identification information acquired by the payment processing unit 214 is added to the purchase information management table shown in FIG. 8 and the delivery management information management table shown in FIG. The value of “product status” of the delivery management information to be added is set to “1” which is an initial value, and the values of “shipping date” and “confirmation date” are set to blanks. The settlement result transmitting unit 215 transmits a settlement result indicating that the settlement has been successful and including the above-described settlement identification information to the order receiving server device 4. If the payment is not successful, the payment result transmitting unit 215 transmits a payment result indicating that the payment is not successful to the order receiving server device 4.

  The order-side settlement result receiving unit 403 of the order-receiving server device 4 receives the settlement result transmitted from the server device 2. When the payment result received by the order-side payment result receiving unit 403 is information indicating that the payment is successful, the shipping information output unit 404 acquires the payment identification information included in the payment result, It is converted into a barcode (two-dimensional barcode as an example here). Then, a bar code indicating the payment identification information and a label for sending a product describing the address, name and the like received from the user terminal 3 by the order receiving side 401 are output. Specifically, a label for sending is printed.

  Then, the contractor managing the order receiving server device 4 attaches a delivery label on which a barcode indicating settlement identification information is printed to the product indicated by the product code received by the order receiving unit 401 from the user terminal 3. Ask the delivery person to deliver this item.

  FIG. 12 is a diagram illustrating an example of a delivery label attached to a product.

  The delivery person delivers a product for which a delivery request has been received from a supplier or the like that manages the order receiving server device 4. When the delivery person receives the delivered product, the barcode of the delivery label of the delivered product is read by a barcode reader (not shown) of the delivery information terminal 1. As a result, the payment identification information acquisition unit 102 of the deliverer information terminal 1 acquires the payment identification information (for example, “12345...”) From the barcode of the delivery label, and the terminal-side transmission unit 104 transmits to the server device 2. Along with the acquired payment identification information, information indicating that the shipment of the product corresponding to the payment identification information has been completed is transmitted. When the server-side receiving unit 202 of the server apparatus 2 receives the information indicating that the product has been shipped, the delivery whose value of “settlement ID” matches the received settlement identification information (for example, “12345...”). The management information record is searched in the delivery management information management table shown in FIG. 9, and the “value” of the “shipping date” of the detected record is the date when the information indicating that the shipment of the product has been received (for example, Update to the value of today's date). Further, the value of “product status” is changed to “2” which is a value indicating that the product has been shipped (for example, overwritten).

  Here, the delivery person carries one product to the delivery destination described in the delivery label attached to the product, and uses the barcode reader 110 of the delivery information terminal 1 to settle the delivery label. When an operation for reading the payment identification information from the barcode in which the identification information is stored is performed, the payment identification information acquisition unit 102 acquires the payment identification information read from the barcode by the barcode reader 110. Here, it is assumed that the payment identification information acquired by the payment identification information acquisition unit 102 is “12345678”.

  Next, it is assumed that the delivery person calls the delivery destination user and requests the settlement card 5 to be presented. Here, it is assumed that the delivery destination user presents the payment card 5. The delivery person operates the delivery person information terminal 1 and presses a button (not shown) indicating that the card identification information is presented, and then the delivery person sets the presented settlement card 5 to the delivery person. When passed through the magnetic card reader 120 of the information terminal 1, the magnetic card reader 120 reads the payment card identification information recorded on the magnetic tape of the payment card, and the card identification information acquisition unit 101 reads the magnetic tape reader from the magnetic tape. The read card identification information is acquired. Here, it is assumed that the card identification information acquired by the card identification information acquisition unit 101 is “4980... 1001”.

  When the delivery person presses a transmission button or the like (not shown) of the delivery person information terminal 1, the terminal side transmission unit 104 sends a set of the payment identification information “12345678” and the card identification information “4980... 1001” to the server device 2. Send.

  When the server-side receiving unit 202 of the server apparatus 2 receives a set of payment identification information and card identification information transmitted from the deliverer information terminal 1, the determination unit 208 first uses the received payment identification information “12345678”. A delivery management information record is retrieved from the delivery management information management table shown in FIG. Here, it is assumed that the record in the first row from the delivery management information management table shown in FIG. 9 is detected by the search. Then, it is determined whether or not the “confirmation date” value of the detected record is a value indicating a date. Specifically, it is determined whether or not the value of “confirmation date” is blank. When the value of the “confirmation date” is not a value indicating a date (ie, when it is blank), the confirmation date storage unit 206 obtains today's date from a clock or the like (not shown), and the obtained date is “confirmation date”. Accumulate as. Here, since the “confirmation date” value of the record in the first row is blank, the confirmation date storage unit 206 stores today's date as the “confirmation date” value. It is assumed that today's date is “2011/08/22”.

  Next, since it is determined that the value of “confirmation date” is not a value indicating the date in the above determination, the determination unit 208 acquires the cancelable date stored in the withdrawal date storage unit 207, and today It is determined whether or not the date has passed the date corresponding to the withdrawal date. Note that the withdrawal date storage unit 207 stores, as an example, a cancelable date, which is one of the dates corresponding to the withdrawal date, and a withdrawal date. Here, it is assumed that the most recent cancelable date acquired by the determination unit 208 is “2011/08/23” two days before the withdrawal date. The determination unit 208 determines whether or not today's date “2011/08/22” is later than the cancelable date “2011/08/23”. Here, it is determined that today's date is not a date later than the date “2011/08/23”. If it is determined that today's date has passed the cancelable date, the determination unit 208 performs processing for acquiring permission / prohibition information indicating that delivery is not permitted, as will be described later.

  Next, since it is determined in the above determination that the current date has not passed the cancelable date, the determination unit 208 determines that the current date “2011/08/22” is the settlement identification information “ From the date “2011/08/13” of the “shipping date” of the delivery management information record including “12345678”, it is determined whether or not the date has passed a predetermined period. For example, if the period designated in advance is 14 days, the value obtained by subtracting the date “2011/08/13” of the “shipping date” from today's date “2011/08/22” is 14 days or less. If it is 14 days or less, it is determined that the designated date has not passed. Here, since the date difference is 9 days and 14 days or less, it is determined that the designated date has not elapsed since the shipping date. If it is determined that today's date has passed a specified period from the date of shipment, the determination unit 208 performs processing for acquiring permission / prohibition information indicating that delivery is not permitted, as will be described later.

  In the above determination, the determination unit 208 determines that today's date has not passed the specified date from the shipping date, so that the server-side reception unit 202 receives it in the card information management table shown in FIG. The card information record including the card identification information “4980... 1001” is searched. In addition, when it is determined that the value of the confirmation date is a value indicating that there is a date in the determination of whether or not there is a date, the withdrawal date and the confirmation date are also determined. This process is executed without making the above determination. Here, it is assumed that the record in the first row is detected. Since the value of the “card presentation flag” of the detected record is “1”, the determination unit 208 is used for determination processing when the card presentation designation information is the personal limited receipt designation information, that is, for payment. Judgment processing is performed when the information indicates that it is necessary to present the payment card indicated by the card identification information.

  Specifically, the determination unit 208 displays purchase information including the payment identification information “12345678” received by the server side reception unit 202 and the card identification information “4980... 1001” received by the server side reception unit 202. When the purchase information is detected in the purchase information management table shown in FIG. 8 and the purchase information can be detected, the determination unit 208 acquires permission information indicating that delivery is permitted. Then, in the delivery management information management table shown in FIG. 10, the value of “product status” of the delivery management information whose settlement identification information is “12345678”, and the value indicating the situation where the settlement card at the delivery destination has been confirmed. To “3”. In addition, when such purchase information cannot be detected, permission information indicating that delivery is not permitted is acquired. Then, in the delivery management information management table shown in FIG. 10, the value of “product status” of the delivery management information whose settlement identification information is “12345678” is a value indicating the situation where the settlement card at the delivery destination has not been confirmed. To “4”. Here, the purchase information in the first row of the purchase information management table shown in FIG. 8 is detected as purchase information having the payment identification information “12345678” and the card identification information “4980... 1001”. Acquires permission / prohibition information for permitting delivery of the product to the user who presented the settlement card. The availability information to be acquired is, for example, a character string such as “Product delivery is permitted”.

  Then, the server-side transmission unit 210 transmits the availability information acquired by the determination unit 208 to the deliverer information terminal 1.

  When the terminal-side receiving unit 105 of the deliverer information terminal 1 receives the availability information transmitted from the server device 2, the output unit 106 displays the availability information on the monitor 130 of the deliverer information terminal 1.

  FIG. 13 is a display example of availability information when delivery by the output unit 106 is permitted.

  Here, if the value of the “card presentation flag” in the card information record including the card identification information “4980... 1001” received by the server side receiving unit 202 is “3”, the determining unit 208 Processing is performed when the presentation designation information is information with no receipt designation, that is, when presentation of a payment card is not required. That is, the determination unit 208 acquires permission / prohibition information for permitting delivery of the product. Subsequent processing is the same as described above.

  If the value of the “card presentation flag” in the card information record including the card identification information “4980... 1001” received by the server side receiving unit 202 is neither “1” nor “3”, that is, , “2”, the determination unit 208 performs processing when the card presentation designation information is the principal-related limited receipt designation information, that is, the settlement card indicated by the card identification information used for the settlement, The processing in the case of information indicating that it is necessary to present a settlement card to be performed is performed as follows.

  First, the determination unit 208 acquires “G001” that is the “related ID” corresponding to the card identification information “4980... 1001” received by the server-side receiving unit 202 in the related card information management table illustrated in FIG. . Further, in the related card information management table shown in FIG. 10, the value of “card ID” of the record whose “related ID” is “G001” is acquired and temporarily stored in a storage medium (not shown). Here, it is assumed that three pieces of card identification information “4980... 1001”, “4980... 1101”, and “4980.

  Next, the determination unit 208 searches the purchase information management table shown in FIG. 8 for purchase information having the payment identification information “12345678” received by the server side reception unit 202, and detects the “card ID” of the detected purchase information. It is determined whether or not the value “4980... 1001” matches any one of the three pieces of card identification information acquired above. Here, it is determined that there is a match. If it is determined that they match, the information on whether or not to permit delivery of the product is acquired. Further, when it is determined that there is no match, the permission information for permitting delivery of the product is acquired. Subsequent processing is the same as the above processing.

  When the determination unit 208 acquires permission / prohibition information indicating that delivery is not permitted, the server-side transmission unit 210 transmits permission / prohibition information indicating that delivery is not permitted to the deliverer information terminal 1. The server-side transmitting unit 210 may acquire the permission information indicating that delivery used for transmission is not permitted by reading, for example, information stored in a storage medium (not shown) in advance, or a storage medium (not shown) Alternatively, information such as card identification information and settlement identification information received by the server-side receiving unit 202 may be obtained by placing the information on the availability information stored in the server information.

  When the terminal-side receiving unit 105 of the deliverer information terminal 1 receives the availability information indicating that delivery is not permitted, the output unit 106 displays the received availability information on the monitor 130.

  FIG. 14 is a display example of availability information indicating that the delivery output by the output unit 106 is not permitted.

  Here, for example, the permission information indicating that the delivery is not permitted includes the card ID “4980... 1001” of the fraudulently used payment card and the address information of the server device 2 that is the transmission destination of the card identification information. Assume that the button 131 is associated. Here, for example, the address information is, for example, a URL or a mail address. When a delivery person operates an input device such as a keyboard or a touch panel (not shown) and presses this button 131, the terminal-side input receiving unit 103 receives this operation, and the terminal-side transmitting unit 104 corresponds to this button 131. A URL or the like, which is information of the attached address, is acquired, and information indicating that the payment card indicated by the card ID “4980... 1001” has been illegally used is transmitted to the server device 2 indicated by the URL. Thereby, it is possible to notify the administrator of the server apparatus 2 that the payment card indicated by the card ID “4980... 1001” has been illegally used.

  In addition, when the determination unit 208 acquires permission / prohibition information indicating that delivery is not permitted, the server-side transmission unit 210 receives the card received by the server-side reception unit 202 in the contact management information management table illustrated in FIG. The record of the contact management information including the identification information “4980... 1001” is searched, and “syamamoto @ pwrf...” That is the value of “contact information” included in the detected record is acquired. Further, the server-side transmission unit 210 obtains “payment ID” and “product code” included in the purchase information including the payment identification information “12345678” received by the server-side receiving unit 202 from the purchase information management table shown in FIG. , “Product name”, “Purchase date”, “Card ID”, “Purchase store name”, etc. And the server side transmission part 210 reads the template etc. for producing | generating the information for notifying an authorized user of the fraudulent use of a payment card previously stored in the storage medium etc. which is not shown in figure, and acquired above Item values and the like are arranged in this template, and information for notifying authorized users of unauthorized use of payment cards is generated.

  In particular, the server-side transmission unit 210 receives an instruction to cancel the payment indicated by the payment ID “12345678” in the server device 2 as information for notifying the authorized user of the unauthorized use of the payment card. Settlement made by unauthorized use of information specifying a location where a WEB page (or a program for generating a WEB page) is stored and a link button associated with the information specifying the location The information which has as information for canceling is acquired. Here, for example, it is assumed that the information specified as the destination is a URL.

  When acquiring information for notifying authorized users of payment card fraud, the server-side transmitter 210 receives the date when the server-side receiver 202 received the payment identification information (in this example, today's date The date “2011/08/22”) obtains information indicating that the payment card has been fraudulently used according to whether or not the cancellation date stored in the withdrawal date storage unit 207 has passed. The information may be transmitted to the contact indicated by the contact information. For example, the determination unit 208 determines whether or not the date on which the server-side reception unit 202 receives the payment identification information is before the cancelable date “2011/08/23”. The template for notifying unauthorized use having information indicating that the cancellation of the payment can be read out, the value of the item obtained above is placed in this template, and unauthorized use of the payment card is made to the authorized user. Generate information for notification. Further, it is determined whether or not the date when the server side receiving unit 202 receives the payment identification information is before the cancelable date “2011/08/23”. A template for notifying unauthorized use of a payment card by reading out a template or the like for notifying unauthorized use having information indicating that it is, and placing the value of the item obtained above in this template Generate information.

  Furthermore, when the date on which the server-side receiving unit 202 receives the settlement identification information is not before the cancelable date “2011/08/23”, the withdrawal date stored in the withdrawal date storage unit 207 is the settlement identification information. If it is not later than the date, the cancellation date has passed, so notification of unauthorized use with information indicating that it is impossible to cancel the product settlement For example, information for notifying an authorized user of unauthorized use of a payment card may be generated by reading a template or the like. If the date is after the date, the payment for the payment has been withdrawn, so the template for notifying unauthorized use having information indicating that the product cannot be canceled can be read out and the payment card Information may be generated for notifying authorized users of unauthorized use.

  Note that the information for canceling the payment as described above may be provided only in the template having the information indicating that the payment can be canceled.

  Then, the server-side transmitting unit 210 transmits this information by e-mail with “samamoto @ pwrf...” That is the value of the “contact information” acquired above as a destination.

  When the user-side receiving unit 303 of the destination user terminal 3 indicated by the contact information “syamamoto @ pwrf...” Receives information for notifying unauthorized use of the payment card transmitted from the server device 2, the user-side output unit 304 displays the received information on a monitor or the like (not shown).

  FIG. 15 is a diagram showing a display example of information (e-mail information) for notifying unauthorized use of a payment card by the user-side output unit 304. In the figure, it is assumed that the link button 141 is a URL of a WEB page for accepting an instruction to cancel the payment indicated by the payment ID “12345678” described above.

  When the user presses the link button 141 by operating a touch panel, a keyboard, or the like, the user-side receiving unit 301 receives this operation, and the user-side transmitting unit 302 acquires a URL associated with the link button 141. Then, the data is transmitted to the server device 2.

  When the server side receiving unit 202 or the like of the server device 2 receives information requesting the WEB page specified by the URL, the server side transmitting unit 210 or the like of the server device 2 generates a WEB page corresponding to the URL. To the user terminal 3. Here, the WEB page generated by the server-side transmission unit 210 is a code necessary for executing a process for canceling the payment indicated by the payment ID “12345678” (for example, a code including the payment ID “12345678” to be canceled). And a button 151 associated with a URL including information specifying a program or the like for executing a cancellation process using this code. This WEB page is dynamically generated using, for example, a template stored in a storage medium (not shown).

  When the user-side receiving unit 303 receives WEB page information for canceling the settlement transmitted from the server device 2, the user-side output unit 304 displays the received WEB page information.

  FIG. 16 is a diagram illustrating a display example of a WEB page for accepting an instruction for canceling the settlement indicated by the settlement ID “12345678”.

  When the user presses the button 151 on the WEB page shown in FIG. 16, the code for executing the process of canceling the payment indicated by the payment ID “12345678” according to the URL associated with this button is It is transmitted to the program of the server device 2 to be executed.

  When the cancellation instruction receiving unit 211 of the server device 2 receives a code for executing the process for canceling the settlement, the cancellation processing unit 212 executes a process for canceling the settlement indicated by the settlement ID “12345678”. Specifically, the cancellation processing unit 212 executes a program for canceling the settlement. Then, after the cancellation, the value of “product status” of the delivery management information corresponding to the settlement ID “12345678” is a value indicating that the settlement has been canceled (purchase has been canceled) at the request of an authorized card member. Change to a certain “5”. As a result, a user who has illegally used a payment card can easily cancel a payment that has been made through unauthorized use.

  Here, for example, a case where a user to whom the product is delivered refuses to present a payment card will be described. For example, if the presentation of the payment card is rejected, after the payment identification information acquisition unit 102 of the delivery person information terminal 1 acquires the payment identification information, the delivery person operates the delivery person information terminal 1 to operate the card identification information. A button (not shown) indicating that there is no presentation is pressed. Thereby, the output unit 106 displays on the monitor 130 a menu screen for transmitting non-presentation information indicating that the card identification information is not presented to the server device 2.

  FIG. 17 is a diagram illustrating a display example of a menu screen for transmitting non-presentation information.

  If the delivery person presses the button 132 for transmitting the non-presentation information on the menu screen by operating the keyboard, the touch panel, or the like, the terminal-side transmission unit 104 receives the payment identification information acquired by the payment identification information acquisition unit 102. And a set of non-presentation information are transmitted to the server device 2.

  When the server-side receiving unit 202 of the server device 2 receives a set of payment identification information and negative information, the determination unit 208 receives the set as with the case of receiving a set of payment identification information and card identification information. Judgment processing is performed using information such as the confirmation date value of the delivery management information corresponding to the payment identification information, the date of shipping, and the withdrawal date stored in the withdrawal date storage unit 207. Then, in this determination process, when the availability information not permitting the delivery of the product is acquired, the server-side transmission unit 210 transmits the availability information acquired by the determination unit 208 to the deliverer information terminal 1 as described above. Similarly to the above, the server-side transmission unit 210 transmits information indicating that the payment card has been illegally used to the contact indicated by the contact information acquired from the contact information management information. However, when acquiring the contact information, since there is no card identification information here, first, card identification information corresponding to the payment identification information received by the server-side receiving unit 202 is acquired from the purchase information, Contact information corresponding to the card identification information is acquired from the contact information management information.

  In addition, when the above-described determination indicates that the availability information cannot be acquired, the determination unit 208 acquires card identification information corresponding to the payment identification information received by the server-side reception unit 202 from the purchase information, and the card information From the management table, the value of the “card presentation flag” that is the card presentation designation information corresponding to this card identification information is acquired, and whether or not this value is “3” that is the value corresponding to the information without receipt designation. If the value is “3”, information indicating whether delivery is permitted is acquired. If the value is other than “3”, information indicating whether delivery is not permitted is acquired. Thereafter, the same processing as that described above is performed when the permission information for permitting delivery as described above is acquired or when the permission information for not permitting delivery is acquired.

  The determination unit 208 is information indicating the delivery status of the product included in each delivery management information included in the delivery management information management table shown in FIG. 9 according to a timing or trigger specified in advance. Depending on the value of “”, it may be determined whether there is an unauthorized use of the card corresponding to the payment identification information. For example, when it is time to specify in advance, the determination unit 208 sets the “product status” value for each record (each delivery management information) in the delivery management information management table shown in FIG. It is determined whether or not the value is “4” indicating that the payment has not been made. If it is “4”, it is determined that the payment card has been illegally used in the payment of the delivery management information. Then, the server-side transmission unit 210 acquires card identification information from purchase information including “settlement identification information” of the record, acquires contact information corresponding to the card identification information from the contact information management information, Information indicating that the payment card has been illegally used may be transmitted to the contact indicated by the acquired contact information. Similarly, the determination unit 208 determines whether or not the value of “product status” is a value “2” indicating that the product has been shipped, and if it is “2”, the current date Determines whether or not a pre-specified period has elapsed with respect to the date of “ship date” included in the same delivery management information, and if so, settles in the settlement corresponding to this delivery management information It may be determined that the card has been illegally used. And the server side transmission part 210 may be made to transmit the information which shows that there was unauthorized use of a payment card like the above.

  Further, the determination unit 208 determines the values of “shipping date” and “delivery date” included in each delivery management information included in the delivery management information management table shown in FIG. 9 according to a timing or trigger specified in advance. By using the same as described above, it may be determined whether there is an unauthorized use of a card corresponding to the payment identification information included in each delivery management information.

  In addition, when the settlement result transmitting unit 215 transmits the settlement result indicating that the settlement is successful, the value of the “card presentation flag” that is the card presentation designation information of the card information including the card identification information used for the settlement Is determined to be other than “3”, and if it is other than “3”, a settlement result further including information indicating that a settlement card is required at the time of receiving the product is transmitted, and shipping information is output. If the payment result includes information indicating that the payment card must be presented when the product is received, the unit 404 displays information indicating that the payment card is required when the product is received, a shipping label, etc. May be added to the shipping information. For example, a character string indicating that it is necessary to present a payment card may be written on the shipping label. Thus, by seeing information indicating that the payment card must be presented, the delivery person can determine whether or not the user needs to present the payment card when delivering the product. it can. In addition, this means that if there is no information indicating that a payment card must be presented at the time of receipt of the product, the shipping information shall indicate that the payment card is not required at the time of receipt of the product, etc. You can think of it as substantially the same.

  As described above, according to this embodiment, when delivering a product, whether or not the product to be delivered has been purchased with the settlement card presented by the user using the information of the settlement card presented by the user who receives the product. Therefore, it is possible to indicate to the deliverer whether the product can be delivered or not, so that the product purchased through the unauthorized use of the payment card can be prevented from being delivered and the unauthorized use of the payment card can be prevented.

  In the above embodiment, each process (each function) may be realized by centralized processing by a single device (system), or by distributed processing by a plurality of devices. May be.

  In the above embodiment, the terminal-side transmitter 104, the terminal-side receiver 105, the server-side receiver 202, the server-side transmitter 210, the payment receiver 213, the payment result transmitter 215, the user-side transmitter 302, The user-side receiving unit 303, the order-receiving side receiving unit 401, the order-receiving-side settlement transmitting unit 402, the order-receiving-side settlement result receiving unit 403, etc. are usually realized by wireless or wired communication means. Note that these may or may not include a communication device.

  In each of the above embodiments, it goes without saying that two or more communication means (such as a server-side receiving unit and a settlement receiving unit) existing in one device may be physically realized by one medium. .

  In each of the above embodiments, each component such as the card identification information acquisition unit 101, the payment identification information acquisition unit 102, the confirmation date storage unit 206, the determination unit 208, the cancellation processing unit 212, and the payment processing unit 214 is dedicated. The components that can be realized by software may be realized by executing a program. For example, each component can be realized by a program execution unit such as a CPU reading and executing a software program recorded on a recording medium such as a hard disk or a semiconductor memory. At the time of execution, the program execution unit may execute the program while accessing a storage unit (for example, a recording medium such as a hard disk or a memory).

  In addition, the software which implement | achieves the deliverer information terminal of the information processing system in each said embodiment is the following programs. In other words, this program is a payment card which is a card used for payment at the time of purchase of a product, and obtains card identification information of a payment card presented by a user to whom the product is delivered. A payment identification information acquisition unit that acquires payment identification information that is identification information of a payment made in the purchase of the product, a card identification information acquired by the card identification information acquisition unit, and a payment acquired by the payment identification information acquisition unit A terminal-side transmission unit that transmits the identification information to the server device, and a terminal-side reception unit that receives whether or not the product is allowed to be delivered to the delivery destination user from the server device. And a program for causing the terminal-side receiving unit to function as an output unit that outputs the availability information received.

  Moreover, the software which implement | achieves the server apparatus of the information processing system in each said embodiment is the following programs. That is, this program stores one or more purchase information, which is information including card identification information of a payment card and payment identification information of a payment performed using the payment card indicated by the card identification information when the product is purchased. A server that receives settlement identification information and card identification information transmitted from a deliverer information terminal that is an information terminal held by a deliverer, and a purchase information storage unit that can access a computer that can access the purchase information storage unit A product corresponding to the payment identification information by determining whether or not the purchase information having the payment identification information and the card identification information received by the server-side receiving unit exists in the one or more purchase information stored in A function for determining whether or not to permit delivery is determined, and a server-side transmission unit that transmits the permission information acquired by the determination unit to the deliverer information terminal. Is a program.

  In the program, the functions realized by the program do not include functions that can be realized only by hardware. For example, a function that can be realized only by hardware such as a modem or an interface card in an acquisition unit that acquires information or an output unit that outputs information is not included in the function realized by the program.

  Further, the computer that executes this program may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.

  FIG. 18 is a schematic diagram illustrating an example of the appearance of a computer that executes the program and realizes the information processing system according to the embodiment. The above-described embodiment can be realized by computer hardware and a computer program executed on the computer hardware.

  18, a computer system 900 includes a computer 901 including a CD-ROM (Compact Disk Read Only Memory) drive 905 and an FD (Floppy (registered trademark) Disk) drive 906, a keyboard 902, a mouse 903, a monitor 904, and the like. Is provided.

  FIG. 19 is a diagram showing an internal configuration of the computer system 900. In FIG. 19, in addition to the CD-ROM drive 905 and the FD drive 906, a computer 901 is connected to an MPU (Micro Processing Unit) 911, a ROM 912 for storing a program such as a bootup program, and the MPU 911. A RAM (Random Access Memory) 913 that temporarily stores program instructions and provides a temporary storage space, a hard disk 914 that stores application programs, system programs, and data, and an MPU 911 and a ROM 912 are interconnected. And a bus 915. The computer 901 may include a network card (not shown) that provides connection to the LAN.

  A program that causes the computer system 900 to execute functions such as the information processing system according to the above embodiment is stored in the CD-ROM 921 or the FD 922, inserted into the CD-ROM drive 905 or the FD drive 906, and stored in the hard disk 914. May be forwarded. Instead, the program may be transmitted to the computer 901 via a network (not shown) and stored in the hard disk 914. The program is loaded into the RAM 913 when executed. The program may be loaded directly from the CD-ROM 921, the FD 922, or the network.

  The program does not necessarily include an operating system (OS) or a third-party program that causes the computer 901 to execute the functions of the information processing system according to the above embodiment. The program may include only a part of an instruction that calls an appropriate function (module) in a controlled manner and obtains a desired result. How the computer system 900 operates is well known and will not be described in detail.

  The present invention is not limited to the above-described embodiments, and various modifications are possible, and it goes without saying that these are also included in the scope of the present invention.

  As described above, the information processing system according to the present invention is suitable as a system for confirming the delivery of a product, and in particular, determines whether the product can be delivered using a payment card used for purchasing the product. It is useful as a system to perform.

DESCRIPTION OF SYMBOLS 1 Deliver information terminal 2 Server apparatus 3 User terminal 4 Order receiving server apparatus 5 Payment card 101 Card identification information acquisition part 102 Payment identification information acquisition part 103 Terminal side input reception part 104 Terminal side transmission part 105 Terminal side reception part 106 Output part 110 Bar code reader 120 Magnetic card reader 130 Monitor 201 Purchase information storage unit 202 Server side reception unit 203 Card information storage unit 204 Related card information storage unit 205 Delivery management information storage unit 206 Confirmation date storage unit 207 Withdrawal date storage unit 208 Judgment unit 209 Contact information storage unit 210 Server side transmission unit 211 Cancellation instruction reception unit 212 Cancellation processing unit 213 Settlement reception unit 214 Settlement processing unit 215 Settlement result transmission unit 301 User side reception unit 302 User side transmission unit 303 User side reception unit 304 User Side output unit 40 Order side receiving unit 402 orders side settlement transmitting unit 403 orders side settlement result receiving unit 404 ships information output section 1000 the information processing system

Claims (12)

An information processing system comprising a server device and one or more delivery information terminals that are information terminals held by one or more deliverers,
The delivery information terminal is
A card used for payment at the time of product purchase, and a card identification information acquisition unit that acquires card identification information of a payment card presented by a user to whom the product is delivered;
A payment identification information acquisition unit for acquiring payment identification information, which is identification information of a payment made in the purchase of the product, from a label attached to the product, a tag, or a delivery slip of the product ;
A terminal side transmission unit that transmits the card identification information acquired by the card identification information acquisition unit and the payment identification information acquired by the payment identification information acquisition unit to the server device;
A terminal-side receiving unit that receives, from the server device, availability information that is information indicating whether or not to permit delivery of the product to the delivery destination user;
An output unit that outputs the availability information received by the terminal-side receiving unit,
The server device
A purchase information storage unit for storing one or more purchase information, which is information including card identification information of a payment card and payment identification information of a payment made by using the payment card indicated by the card identification information when the product is purchased; ,
A server-side receiving unit that receives payment identification information and card identification information transmitted from the deliverer information terminal;
In the one or more purchase information stored in the purchase information storage unit, it is determined whether or not the purchase information having the payment identification information and the card identification information received by the server side reception unit exists, A determination unit that acquires permission information indicating whether or not delivery of a product corresponding to the payment identification information is permitted;
An information processing system comprising: a server-side transmission unit that transmits the availability information acquired by the determination unit to the deliverer information terminal. The server device
A card information storage unit that stores one or more pieces of card information having card identification information and card presentation designation information that is information related to presentation of a payment card corresponding to the card identification information;
The determination unit
When the card presentation designation information included in the card information including the payment identification information received by the server side receiving unit is information indicating that the payment card indicated by the card identification information included in the card information needs to be presented And determining whether or not the purchase information having the payment identification information and the card identification information received by the server-side receiving unit exists among the one or more purchase information stored in the purchase information storage unit, The information processing system according to claim 1, wherein availability information is acquired. If the determination unit determines that there is purchase information having the payment identification information received by the server side reception unit and the card identification information received by the server side reception unit, whether or not to permit delivery of the product The information processing system according to claim 1 or 2, wherein information is acquired. The server device
A related card information storage unit storing one or more related card information, which is information indicating a correspondence relationship between the card identification information of one payment card and the card identification information of the payment card associated with the one payment card; In addition,
The determination unit further includes, in the purchase information stored in the purchase information storage unit, the payment identification information received by the server side reception unit and the card received by the server side reception unit based on the related card information. It is determined whether or not there is purchase information having card identification information associated with identification information, and the server-side receiving unit uses the settlement identification information received by the server-side receiving unit and the related card information. The information according to claim 1, wherein when it is determined that there is purchase information having one card identification information associated with the received card identification information, permission information indicating permission of delivery of the product is acquired. Processing system. The server device
A card information storage unit that stores one or more pieces of card information having card identification information and card presentation designation information that is information related to presentation of a payment card corresponding to the card identification information;
The determination unit
The card presentation designation information included in the card information including the payment identification information received by the server side receiving unit is associated with the card identification information by the card identification information included in the card information or the related card information In the case where it has information indicating that it is necessary to present a payment card indicated by any one of the identification information, the server-side receiving unit includes the purchase information stored in the purchase information storage unit. Whether or not there is purchase information having the received payment identification information and the card identification information associated with the card identification information by the card identification information received by the server-side receiving unit or the related card information. The information processing system according to claim 4, wherein determination is made and availability information is acquired. The delivery information terminal is
A terminal-side input receiving unit that receives an input of non-presentation information that is information indicating that a settlement card is not presented by a user to whom the product is delivered;
The terminal-side transmission unit transmits non-presentation information indicating that no payment card is presented and the payment identification information to the server device,
The server-side receiving unit receives payment identification information and non-presentation information transmitted from the deliverer information terminal,
The determination unit further determines whether or not the server-side receiving unit has received non-presentation information, and when determining that the server has received non-presentation information, acquires determination information indicating that delivery of the product is not permitted. The information processing system according to any one of claims 1 to 5. The server device
A card information storage unit that stores one or more pieces of card information having card identification information and card presentation designation information that is information related to presentation of a payment card corresponding to the card identification information;
The determination unit further determines whether or not the card presentation designation information included in the card information including the payment identification information received by the server side reception unit is information indicating that the card presentation is unnecessary, 2. The information processing system according to claim 1, wherein when the card presentation designation information is determined to be information indicating that card presentation is not required, information indicating whether or not delivery of a product is permitted is acquired. The server device
A contact information storage unit that stores one or more contact management information including card identification information and contact information of an authorized user of a payment card indicated by the card identification information;
The server-side transmitter is
When the determination unit has acquired permission / prohibition information that does not permit delivery of the product, the contact indicated by the contact information corresponding to the payment identification information received by the server-side receiving unit was fraudulent use of the payment card The information processing system according to claim 1, further transmitting information indicating The server device
Payment that is an instruction transmitted from the transmission destination to which the server-side transmission unit has transmitted information indicating that the payment card has been illegally used, and is an instruction to cancel the payment indicated by the payment identification information corresponding to the unauthorized use A cancellation instruction receiving unit for receiving a cancellation instruction;
The information processing system according to claim 8, further comprising a cancellation processing unit that cancels a payment in response to the payment cancellation instruction. A card used for payment at the time of product purchase, and used for an information processing system including a server device and one or more delivery information terminals that are information terminals held by one or more deliverers. A payment card,
The delivery information terminal is
A card identification information acquisition unit for acquiring card identification information of the payment card presented by the user to whom the product is delivered;
A payment identification information acquisition unit for acquiring payment identification information, which is identification information of a payment made in the purchase of the product, from a label attached to the product, a tag, or a delivery slip of the product ;
A terminal side transmission unit that transmits the card identification information acquired by the card identification information acquisition unit and the payment identification information acquired by the payment identification information acquisition unit to the server device;
A terminal-side receiving unit that receives, from the server device, availability information that is information indicating whether or not to permit delivery of the product to the delivery destination user;
An output unit that outputs the availability information received by the terminal-side receiving unit,
The server device
A purchase information storage unit for storing one or more purchase information, which is information including card identification information of a payment card and payment identification information of a payment made by using the payment card indicated by the card identification information when the product is purchased; ,
A card information storage unit that stores one or more pieces of card information having card identification information and card presentation designation information that is information related to presentation of a payment card corresponding to the card identification information;
A server-side receiving unit that receives payment identification information and card identification information transmitted from the deliverer information terminal;
When the card presentation designation information included in the card information including the payment identification information received by the server side receiving unit is information indicating that the payment card indicated by the card identification information included in the card information needs to be presented And determining whether or not the purchase information having the payment identification information and the card identification information received by the server-side receiving unit exists in the one or more purchase information stored in the purchase information storage unit. A determination unit that acquires permission information indicating whether or not delivery of a product corresponding to the payment identification information is permitted;
Used in an information system comprising a server-side transmission unit for transmitting the availability information acquired by the determination unit to the deliverer information terminal;
Payment card. A delivery person information processing method performed using a card identification information acquisition unit, a payment identification information acquisition unit, a terminal side transmission unit, a terminal side reception unit, and an output unit,
A card identification information acquisition unit, wherein the card identification information acquisition unit is a payment card that is a card used for payment at the time of product purchase, and acquires card identification information of a payment card presented by a user to whom the product is delivered; ,
The payment identification information acquisition unit acquires the payment identification information that is the identification information of the payment made in the purchase of the product from the label attached to the product, the tag, or the delivery slip of the product. Steps,
The terminal side transmitting unit transmits the card identification information acquired in the card identification information acquisition step and the payment identification information acquired in the payment identification information acquisition step to a server device; and
A terminal-side receiving step of receiving, from the server device, availability information that is information indicating whether or not the terminal-side receiving unit permits delivery of the product to the delivery destination user;
The output unit, deliverer information processing method and an output step of outputting a permission information received by the terminal side receiving step. A purchase information storage unit for storing one or more purchase information, which is information including card identification information of a payment card and payment identification information of a payment made by using the payment card indicated by the card identification information when the product is purchased; An information processing method performed using a server-side receiving unit, a determining unit, and a server-side transmitting unit,
The server-side receiving unit is sent from a deliverer information terminal, which is an information terminal held by the deliverer, and payment identification information obtained from a label attached to the product, a tag, or a product delivery slip, and a card A server-side receiving step for receiving the identification information;
Whether the determination unit includes purchase information including the payment identification information and the card identification information received in the server-side reception step in one or more purchase information stored in the purchase information storage unit. A determination step for determining whether or not to permit the delivery of the product corresponding to the payment identification information;
An information processing method comprising: a server-side transmission step in which the server-side transmission unit transmits the availability information acquired in the determination step to the deliverer information terminal.

Images