JP6077816B2 - Payment system and payment method of payment system - Google Patents

Description

  The present invention relates to a payment system and a payment method of the payment system.

  Traditionally, taxes such as automobile tax and prefectural tax have been paid in cash at payment counters issued by payees at financial institutions and stores where taxes can be paid. The tax can be paid using a credit card due to the spread of credit cards.

  As a technique for paying taxes using such a credit card, the server device receives the billing information transmitted from the public money management system and is included in the billing information corresponding to the payment number transmitted from the payer terminal. A payment request including the amount and the card number is received, a credit request including the amount and the card number included in the payment request is transmitted to the credit system, and a payment notice including the credit result and the payment number is sent to the public money management system. A public money payment agent business support system for transmission has been proposed (see, for example, Patent Document 1).

  According to this technology, the server device receives the billing information from the public money management system operated by the public money biller, and receives the payment request including the amount and the card number included in the billing information from the payer's payer terminal. By making a credit request to the credit system, the payer can pay the tax using a credit card.

JP 2008-269091 A

  By the way, in recent years, in a system for paying taxes and other payments using a credit card, a model for charging a payer to use the system is becoming widespread. This usage fee is settled with a credit card together with the payment. For this reason, in the above system, the payment is made with the sum of the payment amount and the usage fee.

  However, the payment is settled to a payment destination (for example, a local public entity if the payment is a local tax), and the usage fee is settled to a settlement agent operating the system. In this system, the payment destination is a credit card member store, and the member store usually bears a fee corresponding to the payment amount of the credit card. This fee varies depending on the intention of the member store to bear the fee.

  The present invention has been made in view of the above problems, and an object of the present invention is to provide a payment system and a payment method for the payment system that can flexibly cope with the intention of paying a fee at the payment destination.

In order to solve the above problems, a payment system according to the present invention is a payment system that accepts payment of a payment by a credit card, and the payment is settled by the credit card by an operation of a member of the credit card. A member terminal that accepts a payment request for requesting, a payment agent server connected to the member terminal, receiving the payment request from the member terminal, and performing payment by the credit card for the payment, and the payment agent A proxy payment server that is connected to a server and stores member information of the member regarding the credit card, and the member terminal inputs member information for identifying the member by the operation of the member, and receives the payment Accepting means for accepting input of payment designation information to be designated and the settlement request, and accepting by the accepting means Terminal control means for transmitting the member information, the payment designation information and the settlement request to the settlement agency server, the settlement agency server based on the payment designation information received from the member terminal, Payment information calling means for calling payment information including payment amount information indicating the payment amount of the payment, and according to the payment amount indicated by the payment amount information included in the payment information called by the payment information calling means , A usage fee calculating means for calculating a usage fee of the payment system operated by a settlement agent, a combined amount calculating means for calculating a sum of the payment amount and the usage fee calculated by the usage fee calculating means, The total amount calculated by the total amount calculation means and the member information received from the member terminal are transmitted to the proxy payment server, and the credit of the member is transmitted. Credit means for confirming the validity of the card; payment amount sales information indicating the payment amount; and the payment amount, by dividing the total amount calculated by the total amount calculation unit into the payment amount and the usage fee The sales slip dividing means for generating the usage fee sales information indicating the usage fee associated with the sales information, and the payment sales information and the usage fee sales information generated by the sales slip dividing means, respectively. Transmitting means for transmitting to the proxy payment server.

  According to the above configuration, the payment system receives a payment request by a credit card, receives a payment request for requesting payment by a credit card by a credit card member operation, and a member terminal A payment agent server that is connected to the terminal, receives a payment request from the member terminal, and performs payment with a credit card for payment; a proxy payment server that is connected to the payment agent server and stores member information of the member related to the credit card; . The member terminal includes a receiving unit and a terminal control unit. The accepting unit accepts an input of member information for specifying the member, an input of payment designation information for designating a payment, and a settlement request by an operation of the member. The terminal control means transmits the member information, payment designation information and payment request received by the receiving means to the payment proxy server. The settlement proxy server includes payment information calling means, usage fee calculation means, total amount calculation means, credit means, sales slip dividing means, and transmission means. The payment information calling means calls payment information including payment amount information indicating the payment amount of the payment based on the payment designation information received from the member terminal. The usage fee calculation means calculates a usage fee according to the payment amount indicated by the payment amount information included in the payment information called by the payment information calling means. The total amount calculation means calculates the total amount of the payment and the usage fee calculated by the usage fee calculation means. The credit means transmits the total amount calculated by the total amount calculation means and the member information received from the member terminal to the proxy payment server, and confirms the validity of the member's credit card. The sales slip dividing unit divides the total amount calculated by the total amount calculating unit into a payment amount and a usage fee, and shows a payment sales information indicating the payment amount and a usage fee associated with the payment sales information. Usage fee sales information. The transmission unit transmits the payment sales information and the usage fee sales information generated by the sales slip dividing unit to the proxy payment server.

  In this way, in the system that pays the payment with the credit card, credit is made by the sum of the payment amount and the usage fee, and the total amount is divided into the payment amount and the usage fee, and the payment amount is shown. Gold sales information and usage fee sales information indicating a usage fee are generated. Therefore, payment and usage fees can be managed separately. For example, when building or changing the system between the case where the payment recipient pays the fee for using the credit card and the case where the fee is not paid, the usage fee This makes it easier to build and change the system. Accordingly, it is possible to provide a payment system that can flexibly respond to the payment burden intention of the payment destination.

  The “payment” in the present invention refers to, for example, tax payments such as automobile tax and prefectural tax, as well as pensions, insurance premiums, entrance fees, etc. It is a payment that can be sent a notice. The “payment destination” in the present invention is, for example, a local public organization if the “payment” is an automobile tax or a prefectural tax, and is a country if the “payment” is “pension”. If “Fund” is “Enrollment Fee”, it is a school corporation. The “use fee” in the present invention is a use fee for the payment system.

  The invention of the above payment system can further include the following features. The sales slip dividing means generates the payment sales information and the usage fee sales information including different specific information for classifying, and the specific information of the payment sales information includes the payment information. It is information set for each payment destination, and the specific information of the usage fee sales information is information set for the specific information of the payment sales information.

  Accordingly, the payment information can be processed for each payment destination, and the usage fee sales information can be processed for each specific information of the payment sales information. Therefore, the processing load of the system can be reduced as compared with the case where payment sales information is processed for each payment request and the case where usage fee sales information is processed for each payment sales information. Here, in the present invention, the “specific information” includes the member store number assigned to each member store of the credit card, the name of the member store, and the like.

The invention of the payment system can have the following features. Which is connected to the proxy payment server, the credit card use details generation server that generates the usage details information indicating the usage details of each of the member, Sarah example Bei, the proxy payment server, received from the settlement proxy server Sales processing means for performing sales processing based on the payment sales information and the usage fee sales information is provided, and the sales processing means performs processing for paying the payment to a payment destination based on the payment sales information. , The payment sales information and the usage fee sales information are transmitted to the usage statement generation server, and the usage statement generation server is based on the payment sales information and the usage fee sales information received from the proxy payment server. The usage details information indicating the payment sales information and the usage fee sales information as separate items is generated.

  According to the above configuration, the payment system further includes a usage details generation server that is connected to the payment proxy server and generates usage details information indicating the usage details of the credit card for each member. The proxy payment server includes sales processing means for performing sales processing based on payment sales information and usage fee sales information received from the payment proxy server. The sales processing means performs a process of paying the payment to the payment destination based on the payment sales information, and transmits the payment sales information and the usage fee sales information to the usage details generation server. The usage details generation server generates usage details information indicating the payment sales information and the usage fee sales information as separate items based on the payment sales information and the usage fee sales information received from the proxy payment server.

  Thereby, in the usage details of the credit card that can be sent to the member or browsed on the Web, the payment and the usage fee can be shown as separate items. Conventionally, when payment is made with a credit card, the usage statement shows the sum of the amount of payment and the usage fee in the item of payment (that is, the amount larger than the amount of payment). It was. For this reason, for example, there are many inquiries from the member who overlooked the explanation regarding the usage fee to the payment destination as to why the amount larger than the amount of the payment is settled, and this inquiry has been a burden on the payment destination. According to the present invention, only the amount of payment is shown in the item of payment, and the usage fee is displayed as a separate item, so that misunderstandings can be prevented in the member and the burden on the payment destination due to the inquiry can be reduced. .

  The invention of the above payment system can further include the following features. The payment agent server includes a payment information link unit that receives the payment information from a payment destination server that stores the payment information and storage information indicating a storage state of the payment, and the transmission unit transmits the payment information to the proxy payment server. Storage information returning means for transmitting the storage information to the payment destination server after transmitting the payment sales information is further provided.

  According to the above configuration, the settlement proxy server further includes a payment information cooperation unit and a storage information return unit. The payment information linkage unit receives payment information from a payment destination server that stores payment information and storage information indicating a storage state of payment. The storage information return means transmits the storage information to the payment destination server.

  Thereby, the payment proxy server can perform a process of accepting payment of the payment based on the payment information stored in the payment destination server. Further, the payment destination server can manage the storage of the payment based on the storage information transmitted from the settlement proxy server. Therefore, even in a payment system that transmits and receives information between a plurality of servers, payment and storage of payments can be reliably managed, so that unpaid and duplicated payments can be prevented.

Moreover, this invention can also be considered as a payment method as follows. A payment method executed by a payment system that accepts payment of payment by a credit card, wherein the payment system requests the payment to be settled by the credit card by an operation of a member of the credit card. A member terminal that accepts a request; connected to the member terminal; receives the payment request from the member terminal; is connected to a payment proxy server that performs payment by the credit card for the payment; and is connected to the payment proxy server; A proxy payment server for storing the member information of the member related to the credit card, and input of member information for specifying the member by the operation of the member at the member terminal, and payment specification information for specifying the payment Accepting the input and the settlement request, and accepting at the accepting stage A terminal control step of transmitting the member information, the payment designation information, and the payment request to the payment agency server, and the payment agency server based on the payment designation information received from the member terminal. A payment information call step for calling payment information including payment amount information indicating a payment amount of money, and a settlement agent according to the payment amount indicated by the payment amount information included in the payment information called in the payment information call step A usage fee calculation stage for calculating a usage fee of the payment system of the payment system operated by a contractor; a combined amount calculation stage for calculating a sum of the payment amount and the usage fee calculated in the usage fee calculation stage; The total amount calculated in the total amount calculation step and the member information received from the member terminal are transmitted to the proxy payment server, and the member A credit stage for confirming the validity of the JIT card, and the total amount calculated in the total amount calculation step is divided into the payment amount and the usage fee, and payment sales information indicating the payment amount; and the payment The sales fee sales information indicating the usage fee associated with the gold sales information, a sales slip dividing stage for generating, the payment sales information and the usage fee sales information generated in the sales slip splitting stage, a transmission step of transmitting to each said proxy payment server, you comprising a.

  ADVANTAGE OF THE INVENTION According to this invention, the payment system and the payment method of a payment system which can respond flexibly to the fee burden intention of a payment destination can be provided.

It is a figure which shows the outline | summary of the payment system which concerns on embodiment of this invention. It is a figure which shows the functional block of the payment system which concerns on embodiment of this invention. It is a figure explaining member store information DB concerning the embodiment of the present invention. It is a figure which shows the payment processing flow which the payment system which concerns on embodiment of this invention performs.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In addition, the same number is attached | subjected to the same structure through the whole description of embodiment.

  First, the outline | summary of the payment system 1 which concerns on embodiment of this invention is demonstrated. FIG. 1 is a diagram showing an outline of a payment system 1 according to an embodiment of the present invention. The payment system 1 accepts payment of payment by a credit card, and executes payment processing of payment. In this embodiment, “payment” is an automobile tax, and “payment destination” is an example of a local government. However, the payment system 1 uses “payment” in addition to taxes such as prefectural tax, Applicable for payment of pension, insurance premium, entrance fee, etc.

  The payment system 1 includes a member terminal 10 operated by a credit card member, a payment agent server 20 of a payment agent, a payment destination server 30 of a local public entity that is a payment destination, and a local public entity It is a designated proxy payer, and includes a proxy payment server 40 for an acquirer (a business that manages a credit card member store) and a use statement generation server 50 for an issuer (a business that issued a credit card).

  As a premise of the payment process in the payment system 1, in step S0, the local public entity sends a payment notice to a credit card member who is a taxpayer. In this payment notice, a payment number for payment, which is payment designation information for designating a payment, is shown. The member inputs the payment number and credit card information (card number, card name, etc.), which is member information for identifying the member, to the member terminal 10. Thereby, the payment system 1 starts the payment process of payment.

  In step S1, the member terminal 10 settles a settlement request that requires settlement of the member information, which is card information input by the member, payment designation information, which is a payment number, and payment (automobile tax) using a credit card. It transmits to the proxy server 20.

  In step S <b> 2, the settlement proxy server 20 calls payment information including payment amount information indicating the payment amount of payment based on the payment designation information received from the member terminal 10. In step S <b> 3, the settlement proxy server 20 receives payment information from the payment destination server 30 that stores payment information, and coordinates the payment information with the payment destination server 30.

  In step S4, the payment agent server 20 uses the usage fee (45,000 yen in the example of FIG. 1) according to the payment amount indicated by the payment amount information included in the payment information called in step S2 (in the example of FIG. 1). 525 yen). In step S5, the payment agency server 20 calculates the sum of the payment amount called in step S2 and the usage fee calculated in step S4 (45,525 yen in the example of FIG. 1).

  In step S6, the payment agent server 20 transmits the total amount calculated in step S5 and the member information received from the member terminal 10 to the proxy payment server 40, and confirms the validity of the member's credit card. In step S7, the proxy payment server 40 accesses the member information database (hereinafter also referred to as member information DB) of the usage statement generation server 50, and the sum of the amount and the member information transmitted from the settlement proxy server 20 in step S6. Certify.

In step S8, the payment agent server 20 divides the total amount calculated in step S5 into a payment amount and a usage fee, and payment sales information indicating the payment amount (45,000 yen in the example of FIG. 1) , The usage fee sales information indicating the usage fee (525 yen in the example of FIG. 1) associated with the payment sales information is generated.
Further, the payment agent server 20 generates payment sales information and usage fee sales information including different specific information for classifying. Here, in the present embodiment, as the “specific information”, the member store number assigned to each member store of the credit card will be described as an example. Good. Further, the specific information of the payment sales information is set for each payment destination (in the example of FIG. 1, a local public entity). Specific information of usage fee sales information is set for each specific information of payment sales information. In step S9, the payment agent server 20 transmits the payment sales information and the usage fee sales information generated in step S8 to the proxy payment server 40, respectively.

  In step S10, the proxy payment server 40 pays the payment to the payment destination based on the payment sales information transmitted from the settlement proxy server 20 in step S9 (for example, the payment sales to the designated account of the local public entity). (Payment processing of the amount indicated by the information) is performed, and payment sales information and usage fee sales information are transmitted to the usage details generation server 50. Specifically, the proxy payment server 40 performs sales processing for each specific information (member store number) included in the payment sales information and the usage fee sales information. In this step, the proxy payment server 40 pays a fee (for example, 0 yen in the example of FIG. 1) set in advance for each payment destination (for example, each local government having jurisdiction over the automobile tax). The amount subtracted from the amount of payment indicated by the gold sales information is paid. Here, in this embodiment, the “fee” is a fee imposed on a credit card member store. For example, the sales amount paid is multiplied by a preset fee rate (for example, 5%). Is calculated. Depending on the recipient's willingness to pay the commission, the commission rate can be set to 0%, as shown in the example shown in FIG. 1. In this case, the commission amount is 0 yen, and the payment amount indicated by the payment sales information. Is paid to the payee (45,000 yen in the example of FIG. 1).

  In step S <b> 11, the usage details generation server 50 displays usage details information indicating the payment sales information and usage fee sales information as separate items based on the payment sales information and usage fee sales information received from the proxy payment server 40. Generate. Thereby, for example, the member can display the “usage price statement” shown in FIG. 1 by accessing the home page where the web details of the issuer's credit card can be viewed on the member terminal 10. The usage statement generation server 50 may create a “usage price statement” of paper to be sent to the member based on the usage statement information.

  In step S <b> 12, the settlement proxy server 20 transmits payment information indicating payment storage status to the payment destination server 30 after transmitting payment sales information to the proxy payment server 40 in step S <b> 9. Thereby, for example, the payment destination server 30 stores a storage information database (hereinafter also referred to as a storage information DB) that stores storage information indicating a storage state of the payment based on the storage information transmitted from the settlement proxy server 20 in step S12. ) And the payment information DB are updated.

  According to the payment system 1 that executes such payment processing, the payment and the usage fee can be managed separately. For example, the case where the payment destination pays the fee for using the credit card and the case where it does not pay Therefore, when the system is constructed or changed, it is not necessary to consider the usage fee, so the system can be easily constructed or changed. Accordingly, it is possible to provide a payment system that can flexibly respond to the payment burden intention of the payment destination.

  Next, the functional configuration of the payment system 1 according to the embodiment of the present invention will be described. FIG. 2 is a diagram showing functional blocks of the payment system 1 according to the embodiment of the present invention.

  The payment system 1 accepts payment of a payment by credit card and performs a payment process for the payment. The payment system 1 includes a member terminal 10, a settlement proxy server 20, a payment destination server 30, a proxy payment server 40, and a usage details generation server 50.

  The member terminal 10 accepts a settlement request for requesting settlement of payment with a credit card by a credit card member operation. The member terminal 10 includes a receiving unit 11 and a terminal control unit 12. The member terminal 10 is a member such as a computer owned by the member, a portable terminal (mobile phone, smartphone, tablet, etc.), ATM (Automated Teller Machine; automatic teller machine or automatic transaction device) installed in a bank or store, etc. Can be configured to be an apparatus that can communicate with the payment proxy server 20.

  The accepting means 11 accepts an input of member information for specifying the member, an input of payment designation information for designating a payment, and a settlement request by an operation of the member. The terminal control unit 12 transmits the member information, payment designation information, and payment request received by the receiving unit 11 to the payment proxy server 20.

  The payment proxy server 20 is connected to the member terminal 10 via the network, receives a payment request from the member terminal 10, and performs payment using a credit card for payment. The settlement proxy server 20 includes a payment information linkage unit 21, a payment information call unit 22, a usage fee calculation unit 23, a total amount calculation unit 24, a credit unit 25, a sales slip division unit 26, and a transmission unit 27. Storage information returning means 28.

  The payment information cooperation means 21 accesses a payment information database (hereinafter also referred to as payment information DB) 31 of the payment destination server 30 that stores payment information, and receives payment information. The payment information calling means 22 calls payment information including payment amount information indicating the payment amount of the payment based on the payment designation information received from the member terminal 10. In this embodiment, “payment information” is information in which at least payment designation information (payment number (see FIG. 1) described in the payment notice) and payment amount information (payment amount) are associated with each other. Specifically, the payment information calling unit 22 calls the payment information including the payment designation information (payment number) received from the member terminal 10 in the payment information received by the payment information cooperation unit 21, and is included in the payment information. Acquire payment amount information (payment amount). The payment information linkage unit 21 specifies a payment destination based on the tax item number in the payment number included in the payment designation information received from the member terminal 10, accesses the payment destination server 30 of the specified payment destination, and receives payment information. Receive.

  The usage fee calculation means 23 calculates a usage fee according to the payment amount indicated by the payment amount information included in the payment information called by the payment information calling means 22. In the present embodiment, the “use fee” may be a preset amount or may be an amount obtained by multiplying a payment amount by a predetermined use fee rate (for example, 5%).

  The total amount calculation unit 24 calculates the total amount of the payment amount indicated by the payment amount information included in the payment information called by the payment information cooperation unit 21 and the usage fee calculated by the usage fee calculation unit 23.

  The credit unit 25 transmits the total amount calculated by the total amount calculation unit 24 and the member information received from the member terminal 10 to the proxy payment server 40 and confirms the validity of the member's credit card.

  The sales slip dividing unit 26 divides the combined amount calculated by the combined amount calculating unit 24 into a payment amount and a usage fee, and pays sales information indicating the payment amount, and a usage fee associated with the payment sales information. Usage fee sales information indicating The sales slip dividing means 26 generates payment sales information and usage fee sales information including different specific information (for example, member store numbers) for classification. Further, the sales slip dividing unit 26 sets the specific information of the payment sales information for each payment destination, and sets the specific information of the usage fee sales information for each specific information of the payment sales information. More specifically, the sales slip dividing means 26 accesses a member store information database (hereinafter also referred to as member store information DB) 43 of the proxy payment server 40, and pays the payment destination (member store, which is the present implementation. Specific information (for example, member store number) associated with the usage fee is acquired respectively in the form. The sales slip dividing unit 26 generates payment sales information and usage fee sales information including the acquired specific information.

  The transmission unit 27 transmits the payment sales information and the usage fee sales information generated by the sales slip dividing unit 26 to the proxy payment server 40, respectively.

  After the transmitting unit 27 transmits the payment sales information to the proxy payment server 40, the storage information returning unit 28 indicates the storage status of the payment and transmits the storage information including the payment designation information to the payment destination server 30.

  The payment destination server 30 stores payment information and storage information indicating the storage status of payment. The payment destination server 30 includes a payment information DB 31, a storage information DB 32, and a payment information update unit 33.

  The payment information DB 31 includes payment designation information (payment number described in the payment notice (see FIG. 1)), payment amount information (payment amount), payer information (payer's name), deadline information (payment amount Etc.) are associated with each other. In the storage information DB 32, the date and time when the storage information is received from the settlement proxy server 20 is associated with the payment designation information.

  The payment information update unit 33 updates the payment information DB 31 and the storage information DB 32 based on the storage information received from the settlement proxy server 20. Specifically, the payment information update unit 33 stores the storage information received from the settlement proxy server 20 in the storage information DB 32, and deletes the payment information of the payment designation information included in the storage information in the payment information DB 31.

  The proxy payment server 40 is connected to the settlement proxy server 20 and stores member information of members regarding credit cards. The proxy payment server 40 includes an authentication unit 41, a sales processing unit 42, and a member store information DB 43.

  The authentication unit 41 accesses a later-described member information DB 51 of the usage statement generation server 50 and authenticates the total amount and the member information transmitted from the credit unit 25 of the settlement proxy server 20.

  The sales processing means 42 performs a process of paying the payment to the payment destination based on the payment sales information transmitted from the settlement proxy server 20. Further, the sales processing means 42 transmits the payment sales information and the usage fee sales information to the usage details generation server 50. Further, the sales processing means 42 refers to the member store information DB 43, and based on the specific information included in the payment sales information and the usage fee sales information, the payment and the usage fee sales information indicated by the payment sales information are obtained. Calculate the fee for the usage fee shown.

  FIG. 3 is a diagram illustrating the member store information DB 43 according to the embodiment of the present invention. The member store information DB 43 includes a member store number numbered for each member store, a payment store indicated by the payment sales information, or a member store that is a payment destination of the use fee indicated by the use fee sales information, and a payment or use fee. Is associated with the fee rate for payment or usage fee. The commission rate is a multiplication rate determined in advance according to the intention of the member store to bear the commission.

  Specifically, the sales processing unit 42 associates the payment amount indicated by the payment sales information or the usage fee indicated by the usage fee sales information with the payment or the usage fee in the member store information DB 43. The fee is calculated by multiplying the fee rate. Then, the sales processing means 42 performs a process of paying the payment amount, which is an amount obtained by subtracting the calculated fee, from the payment amount indicated by the payment sales information. In the example of FIG. 3, since the “AA prefecture automobile tax” has a commission rate of 0%, the entire payment amount indicated by the payment sales information is paid to the local government. The sales processing means 42 processes the fee as sales of the acquirer who is the designated proxy payer. That is, in the example of FIG. 3, since the “use fee” has a fee rate of 100%, the entire amount of the use fee indicated by the use fee sales information is processed as the sales of the designated proxy payer.

  Returning to FIG. 2, the usage statement generation server 50 is connected to the payment proxy server 20 and generates usage statement information indicating the usage details of the credit card for each member. The usage details generation server 50 includes a member information DB 51 and usage details information generation means 52.

  The member information DB 51 stores member information for specifying a member. Specifically, the member information DB 51 stores the card number of the credit card, the name and name of the member, the upper limit of the usage amount, the usage history, the password, and the like in association with each other. Based on the payment sales information and the usage fee sales information received from the proxy payment server 40, the usage details information generating means 52 generates usage details information indicating the payment sales information and the usage fee sales information as separate items.

  Note that the functional blocks shown in FIG. 2 are merely examples, and one functional unit may be divided or a plurality of functional units may be configured as one functional unit. The member terminal 10, the settlement proxy server 20, the payment destination server 30, the proxy payment server 40, and the usage details generation server 50 are not limited to one, and may be a plurality. Each function is such that a CPU (Central Processing Unit) incorporated in the member terminal 10, the payment proxy server 20, the payment destination server 30, the proxy payment server 40, and the usage details generation server 50 is a ROM (Read Only Memory) or a hard disk. A computer program stored in a storage device as a storage unit is read, and the computer program executed by the CPU needs a database (DB; Data Base) stored in the storage device or a storage area on the memory. It is realized by reading and writing various data and controlling related hardware (for example, input / output device, display device, communication interface device) in some cases.

  Next, the payment process which the payment system 1 which concerns on embodiment of this invention performs is demonstrated. FIG. 4 is a diagram illustrating a payment processing flow executed by the payment system 1 according to the embodiment of the present invention.

  In step S <b> 101, the member terminal 10 accepts an input of member information for specifying the member, an input of payment designation information for designating a payment, and a settlement request by a member operation in the reception unit 11. Further, the member terminal 10 transmits the member information, payment designation information, and payment request received by the receiving means 11 to the payment proxy server 20 by the terminal control means 12.

  Steps S <b> 201 to S <b> 208 are processes executed by the settlement proxy server 20. In step S <b> 201, the payment information calling unit 22 calls payment information including payment amount information indicating the payment amount of payment based on the payment designation information received from the member terminal 10.

  In step S <b> 202, the payment information cooperation unit 21 receives the payment information called by the payment information calling unit 22 in step S <b> 201 from the payment destination server 30.

  In step S203, the usage fee calculation unit 23 calculates a usage fee according to the payment amount indicated by the payment amount information included in the payment information called by the payment information calling unit 22 in step S201.

  In step S204, the total amount calculation means 24 uses the payment amount indicated by the payment amount information included in the payment information called by the payment information call means 22 in step S201 and the usage fee calculated by the usage fee calculation means 23 in step S203. Calculate the sum of the charges.

  In step S205, the credit unit 25 transmits the total amount calculated by the total amount calculation unit 24 in step S204 and the member information received from the member terminal 10 in step S201 to the proxy payment server 40, and the member credit Check card validity.

  In step S206, the sales slip dividing unit 26 divides the combined amount calculated by the combined amount calculating unit 24 in step S204 into a payment amount and a usage fee, and payment sales information indicating the payment amount, and payment sales information. Usage fee sales information indicating the usage fee associated with the.

  In step S207, the transmitting unit 27 transmits the payment sales information and the usage fee sales information generated by the sales slip dividing unit 26 in step S206 to the proxy payment server 40, respectively.

  In step S <b> 208, the storage information return unit 28 indicates the storage status of the payment, and transmits storage information including payment designation information to the payment destination server 30.

  Steps S401 to S403 are processing executed by the proxy payment server 40. In step S401, the authentication unit 41 accesses the member information DB 51 of the usage statement generation server 50, and authenticates the total amount and the member information transmitted from the credit unit 25 of the settlement proxy server 20 in step S205. In step S402, the authentication unit 41 transmits the authentication result of step S401 to the payment proxy server 20.

  In step S403, the sales processing means 42 performs a process of paying the payment to the payment destination based on the payment sales information transmitted from the settlement proxy server 20 in step S207. In this step, the sales processing means 42 transmits the payment sales information and the usage fee sales information to the usage details generation server 50.

  In step S501, the usage statement generation server 50 uses the payment statement sales information and usage fee sales information based on the payment sales information and usage fee sales information transmitted from the proxy payment server 40 in step S403 by the usage statement information generation unit 52. Usage details information indicating the information as separate items is generated.

  In step S301, the payment destination server 30 updates the payment information DB 31 and the storage information DB 32 based on the storage information transmitted from the payment proxy server 20 in step S208 by the payment information update unit 33.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 1 Payment system 10 Member terminal 11 Reception means 12 Terminal control means 20 Payment proxy server 21 Payment information cooperation means 22 Payment information call means 23 Usage fee calculation means 24 Total amount calculation means 25 Credit means 26 Sales slip division means 27 Transmission means 28 Storage Information return means 30 Payment destination server 31 Payment information DB
32 Storage information DB
33 Payment information update means 40 Proxy payment server 41 Authentication means 42 Sales processing means 43 Member store information DB
50 Usage details generation server 51 Customer information DB
52 Usage details information generating means

Claims (5)

A payment system that accepts payment by a credit card,
A member terminal that accepts a payment request for requesting payment of the payment by the credit card by an operation of the credit card member;
A payment agent server connected to the member terminal, receiving the payment request from the member terminal, and paying the payment with the credit card;
A proxy payment server connected to the payment agent server and storing member information of the member related to the credit card;
The member terminal is
Receiving means for receiving member information for specifying the member, payment designation information for designating the payment, and the payment request by the member's operation;
Terminal control means for transmitting the member information, the payment designation information and the payment request received by the receiving means to the payment agent server,
The settlement agent server is
Payment information calling means for calling payment information including payment amount information indicating a payment amount of the payment based on the payment designation information received from the member terminal;
Usage fee calculating means for calculating a usage fee of the payment system operated by a settlement agent according to the payment amount indicated by the payment amount information included in the payment information called by the payment information calling means;
A combined amount calculating means for calculating a combined amount of the usage fee calculated by the paid amount and the usage fee calculating means;
Credit means for transmitting the total amount calculated by the total amount calculation means and the member information received from the member terminal to the proxy payment server, and confirming the validity of the credit card of the member;
The total amount calculated by the total amount calculation means is divided into the payment amount and the usage fee, payment sales information indicating the payment amount, and the usage fee associated with the payment sales information. A sales slip dividing means for generating usage fee sales information to be displayed;
Transmitting means for transmitting the payment sales information and the usage fee sales information generated by the sales slip dividing means to the proxy payment server, respectively;
A payment system characterized by comprising: The sales slip dividing unit generates the payment sales information and the usage fee sales information, including different specific information for classifying,
The specific information of the payment sales information is information set for each payment payment destination,
The payment system according to claim 1, wherein the specific information of the usage fee sales information is information set for each of the specific information of the payment sales information. Which is connected to the proxy payment server, the credit card use details generation server that generates the usage details information indicating the usage details of each of the member, Sarah example Bei,
The proxy payment server comprises sales processing means for performing a sales process based on the payment sales information and the usage fee sales information received from the payment agent server,
The sales processing means is:
Based on the payment sales information, perform a process of paying the payment to a payment destination,
The payment sales information and the usage fee sales information are transmitted to the usage details generation server,
The usage statement generation server is configured to display the payment sales information and the usage fee sales information as separate items based on the payment sales information and the usage fee sales information received from the proxy payment server, respectively. The payment system according to claim 1, wherein the payment system is generated. The settlement agent server is
Payment information cooperation means for receiving the payment information from a payment destination server that stores storage information indicating the storage status of the payment information and the payment,
The storage means further comprises storage information return means for transmitting the storage information to the payment destination server after the payment sales information is transmitted to the proxy payment server. The payment system described in any of the above. A payment method executed by a payment system that accepts payment of payment by credit card,
The payment system is a member terminal that accepts a payment request for requesting payment of the payment by the credit card by an operation of a member of the credit card;
A payment agent server connected to the member terminal, receiving the payment request from the member terminal, and paying the payment with the credit card;
A proxy payment server connected to the payment agent server and storing member information of the member related to the credit card;
In the member terminal,
An input of member information for identifying the member, an input of payment designation information for designating the payment, and a reception stage for receiving the settlement request by the operation of the member;
A terminal control step of transmitting the member information, the payment designation information and the payment request received in the reception step to the payment agent server,
In the payment agent server,
Based on the payment designation information received from the member terminal, a payment information calling step for calling payment information including payment amount information indicating the payment amount of the payment,
Usage fee calculation step of calculating a usage fee of the payment system of the payment system operated by a settlement agent according to the payment amount indicated by the payment amount information included in the payment information called in the payment information calling step When,
A combined amount calculation step of calculating a combined amount of the usage fee calculated in the payment amount and the usage fee calculation step;
A crediting step for transmitting the summed amount calculated in the summed amount calculating step and the member information received from the member terminal to the proxy payment server and confirming the validity of the credit card of the member;
The total amount calculated in the total amount calculation step is divided into the payment amount and the usage fee, payment sales information indicating the payment amount, and the usage fee associated with the payment amount sales information. Usage fee sales information to indicate, and a sales slip segmentation stage to generate,
Transmitting the payment sales information and the usage fee sales information generated in the sales slip dividing stage, respectively, to the proxy payment server;
A payment method characterized by including:

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