JP6434561B2 - Payment support system for travelers and payment support method for travelers - Google Patents

Description

  The present invention relates to a settlement support system for travelers and a settlement support method for travelers.

  In recent years, the number of foreign tourists visiting Japan has been increasing. This trend is expected to continue until the future, including the Olympic Games. On the other hand, shopping is one of the purposes of such foreign tourists, and it is important to improve the settlement efficiency.

  The following techniques have been proposed as conventional techniques related to such payment processing for travelers. In other words, in cooperation with a Korean financial institution, a foreign tourist accesses the information management server to select a product provided by a Korean tourist product provider, and opens an account at the Korean financial institution, Including temporary payment to the account provided by the foreign tourist, and the temporary payment from the Korean financial institution when the temporary payment is credited to the account. , Providing a certain amount of weighted value to an account, issuing a payment method linked to the account, a stage where a foreign tourist enters the country and receiving a payment method, and a Korean tourism product provider For Korean products, foreign tourists actually make payments using payment methods, and a part of the account amount is drawn from the Korean financial institution for the amount that foreign tourists actually paid. The stage to send money to the provider It has been proposed a method comprising (see Patent Document 1).

  Further, payment card means storing electronic money information and identification information including passport information of foreign travelers, and other than the casino based on the electronic money information and identification information stored in the payment card means Based on the electronic payment information and identification information stored in the payment card means, the general payment processing means for performing payment processing of electronic money according to general merchandise transactions and service provision at the facility, the integrated resort Based on the payment processing of the electronic money corresponding to the payment of the game consideration generated in the casino service or the refund of the prize money, the payment card means based on the payment processing of the general payment processing means and the casino payment processing means Proposed system including electronic money processing means for updating stored electronic money information (refer to Patent Document 2) It has been.

JP 2014-10835 A WO2015 / 099141

  However, when a foreign traveler performs shopping at a duty-free facility, in addition to a settlement operation using a credit card or cash, it is necessary to present a passport or an air ticket and confirm its contents. Therefore, there are many scenes where both foreign tourists and duty-free facility staff feel complicated. In addition, the above-described confirmation work is based on visual observation by the staff, and there is a concern that a confirmation failure may occur.

  SUMMARY OF THE INVENTION An object of the present invention is to provide a technology that makes shopping at a duty-free facility by a foreign traveler efficient and comfortable.

  The settlement support system for travelers of the present invention that solves the above-described problems associates a communication device that communicates with other devices, traveler passport information, information on travel means or facilities used in travel, and biometric information. Storage device and traveler biometric information included in the settlement information received from the terminal of the duty-free facility, and passport information indicating predetermined validity and moving means or use of the biometric authentication information of the storage device A computing device that compares with information associated with the facility and returns payment permission information to the terminal when biometric authentication information that matches the biometric information is registered. And

  Also, the traveler settlement support method of the present invention holds a communication device that communicates with another device, the traveler's passport information, information on the travel means or facility used in the trip, and biometric authentication information in association with each other. The information processing system including the storage device moves the traveler's biometric information included in the payment information received from the terminal of the duty-free facility with the passport information indicating the predetermined validity of the biometric authentication information of the storage device. Matching with the information associated with the means or the facility used, and when there is registration of biometric authentication information that matches the biometric information, payment permission information is returned to the terminal. .

  According to the present invention, it is possible to make shopping at a duty-free facility by a foreign traveler efficient and comfortable.

It is a network block diagram including the payment assistance system for travelers in this embodiment. It is a figure which shows the hardware structural example of the payment assistance server for travelers in this embodiment. It is a figure which shows the hardware structural example of the registration terminal in this embodiment. It is a figure which shows the hardware structural example of the shop terminal in this embodiment. It is a figure which shows the structural example of the passport information table in this embodiment. It is a figure which shows the structural example of the boarding pass information table in this embodiment. It is a figure which shows the structural example of the utilization facility information table in this embodiment. It is a figure which shows the structural example of the card information table in this embodiment. It is a figure which shows the structural example of the shopping information table in this embodiment. It is a figure which shows the structural example of the electronic money management table in this embodiment. It is a figure which shows the structural example of the tax exemption information table in this embodiment. It is a figure which shows the example 1 of a flow in the payment assistance method for travelers of this embodiment. It is a figure which shows the example 2 of a flow in the payment assistance method for travelers of this embodiment.

--- Network configuration ---
Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a diagram showing a network configuration example including a traveler settlement support server 100 which is a traveler settlement support system of the present embodiment. A traveler settlement support server 100 (hereinafter referred to as a traveler settlement support server 100), which is a settlement support system for travelers shown in FIG. 1, enables efficient and comfortable shopping at a tax-free facility 1 by a foreign traveler. Then, it is a computer system for that.

The duty-free facility 1 assumed here can mainly be assumed as a duty-free shop at each airport such as “A airport”, “B airport”... In the example of FIG. For example, various facilities such as a tax-free corner in a general store in Ichii or other facilities that appropriately use information handled by the traveler settlement support server 100 (eg, airport lounges, Olympic sports facilities, etc.) can be assumed. Therefore, it is not limited as long as it is a facility that handles duty-free products, and facilities that handle at least one of duty-free and non-tax-free items are also targeted. The shopping object includes not only goods but also services.

  The traveler settlement support server 100 in the present embodiment is connected to the store terminal 200 and the registration terminal 300 provided in each tax-free facility 1 as described above via the network 10. Among these functions, the registration terminal 300 receives the traveler's passport information, information on the travel means or facility used in the trip, and biometric authentication information among the functions as a settlement support system for travelers by a predetermined input device, The information processing terminal has a function of associating each received information with each other and storing the information in a storage device. In addition, the registration terminal 300 has a predetermined configuration relating to cash handling, and can also execute a predetermined process corresponding to an operation for charging an electronic money card. Of course, the traveler settlement support server 100 may have the function and configuration of the registration terminal 300.

--- Hardware configuration ---
FIG. 2 is a diagram illustrating a hardware configuration example of the traveler settlement support server 100 according to the present embodiment. This traveler settlement support server 100 has the following hardware configuration. That is, the traveler settlement support server 100 includes a storage device 101 composed of a suitable non-volatile storage element such as a hard disk drive, a memory 103 composed of a volatile storage element such as a RAM, and a program 102 held in the storage device 101. Communication with the store terminal 200 and the registration terminal 300 connected to the CPU 104 (arithmetic unit) that performs various determinations, computations, and control processing, and the network 10 while performing overall control of the system itself by reading it into the memory 103 and executing it. A communication device 107 that performs processing is provided.

  In the storage device 101, the passport information table 125 to the tax exemption information table 131 are stored. Details of these tables will be described later.

  FIG. 3 is a diagram illustrating a hardware configuration example of the registration terminal 300 in the present embodiment. The registration terminal 300 has the following hardware configuration. That is, the registration terminal 300 reads out the storage device 301 composed of an appropriate nonvolatile storage element such as a hard disk drive, the memory 303 composed of a volatile storage element such as RAM, and the program 302 held in the storage device 301 into the memory 303. The CPU 304 (arithmetic unit) that performs overall control of the system itself and performs various determinations, calculations, and control processes, the input unit 305 that receives input operations from users such as travelers, a display that displays processing results, and the like Output device 306 and a communication device 307 connected to the network 10 and responsible for communication processing with the traveler settlement support server 100.

  The above-described input device 305 includes a medium reader device 3052 for reading various media such as a passport, airline ticket, and accommodation coupon, in addition to a general input device 3051 such as a keyboard and a microphone. It is assumed that a biometric information reader 3053 that reads biometric information such as a traveler's fingerprint and iris, and a card reader 3054 that reads a credit card or electronic money card as a settlement means are included.

Moreover, the registration terminal 300 is provided with the structure for cash handling similar to general ATM. That is, the registration terminal 300 of this embodiment includes a cash transfer device 308, a cash transport / storage device 309, and a cash identification device 310. Among these, the cash transfer device 308 is a reception device used when a traveler or the like sets cash to register as electronic money. The cash transport / storage device 309 is a device that transports the cash received by the above-described cash transfer device 308 by a predetermined mechanism and stores it in a predetermined housing. Moreover, the cash identification device 310 is a device that specifies the type of cash received by the cash transfer device 308 described above with a predetermined sensor and counts the amount received. The received money amount counted here is a value of the charge amount of the electronic money card to be given to the traveler in the charge process to the electronic money card in the flow described later.

  FIG. 4 is a diagram illustrating a hardware configuration example of the store terminal 200 in the present embodiment. On the other hand, the store terminal 200 provided in each duty-free facility 1 executes the storage device 201 that holds the program 202, the memory 203 that implements the function by executing the program 202, and the program 202, as with a general computer terminal. The hardware configuration includes a CPU 204, an input device 205, an output device 206, and a communication device 207, which are arithmetic devices. The input device 205 includes a general input device 2051 such as a keyboard and a microphone, a biometric information reader 2053 that reads biometric information such as a fingerprint and an iris of a traveler, and a card such as a credit card or a prepaid electronic money card. It is assumed that a card reader 2054 that reads a medium is included.

  In addition, regarding the store terminal 200, a configuration in which the input device 205 and the output device 206 are separate bodies may be assumed. For example, the input device 205 and the output device 206 may be configured by a tablet terminal, and input / output may be realized by performing wireless communication with the store terminal body.

--- Table configuration ---
Next, tables used by the traveler settlement support server 100 of this embodiment will be described. FIG. 5 shows an example of the passport information table 125 in the present embodiment. The passport information table 125 stores various information related to the traveler's passport registered by the traveler or an appropriate attendant through the input device 305 of the registration terminal 300 (eg, installed in the airport or in the accommodation facility). It is a table.

  The data structure of the passport information table 125 includes a traveler's name, passport expiration date, signature image data, traveler's face photo image, age, nationality, place of origin, and gender, using a passport number that uniquely indicates the passport as a key. It is an aggregate of records in which values such as, are associated.

  FIG. 6 is a diagram showing a configuration example of the boarding pass information table 126 in the present embodiment. The boarding pass information table 126 is registered by the traveler or an appropriate staff member via the input device 305 of the registration terminal 300 (for example, installed in the airport or in the accommodation facility) and used by the traveler in this trip. It is a table in which various information related to tickets for transportation means such as air mail and railways is accumulated.

  The data structure of this boarding pass information table 126 is based on the name of the traveler who is the user of the transportation means as a key, the traveler's passport number, the departure place, arrival place, departure date, flight name, boarding time of the travel means. , The registration expiration date, and the presence / absence of registration validity.

  FIG. 7 is a diagram showing a configuration example of the use facility information table 127 in the present embodiment. The use facility information table 127 is registered by the traveler or an appropriate staff member via the input device 305 of the registration terminal 300 (for example, installed in the airport or in the accommodation facility) and used by the traveler for the current trip. It is the table which accumulated various information about the use coupon etc. of various use facilities, such as a facility and a competition facility.

The data structure of the use facility information table 127 includes, as a key, the name of the traveler who is the user of the use facility, the passport number of the traveler, the name of the use facility, the location, the use period, and the presence or absence of registration validity. It is a collection of records that associate such values.

  FIG. 8 is a diagram showing a configuration example of the card information table 128 in the present embodiment. The card information table 128 is registered by the traveler or an appropriate attendant via the input device 305 of the registration terminal 300 (for example, installed in the airport or in the accommodation facility). It is a table which accumulated various information about a credit card and an electronic money card to be used.

  The data structure of the card information table 128 is a card number that uniquely indicates a credit card or an electronic money card. As key, cardholder name (name of traveler), passport number, card company, card expiration date, sign image data, traveler biometric information, card usage limit, current available amount, And a set of records in which values such as the availability of the card are associated with each other.

  FIG. 9 is a diagram showing a configuration example of the shopping information table 129 in the present embodiment. The shopping information table 129 is a table in which history information of the settlement processing executed by the traveler settlement support server 100 (or the shop terminal 200) at the time of shopping performed by the traveler at the tax-free facility 1 is accumulated.

  The shopping information table 129 has a data structure in which a credit card or electronic money card as a payment means is used with a passport number uniquely indicating a passport of a traveler who has made a purchase as a key. This is a set of records in which member stores that are the duty-free facility 1 where shopping is performed and their locations, settlement time, purchase amount, settlement target product, number of purchases, and settlement method are associated with each other.

  FIG. 10 is a diagram showing a configuration example of the electronic money management table 130 in the present embodiment. The electronic money management table 130 is a table that accumulates various types of information related to electronic money cards used by tourists for shopping at the tax-free facility 1.

  The data structure of the electronic money management table 130 includes the traveler's passport number as a holder of the electronic money card as a key, the traveler's age, nationality, gender, electronic money balance, currency exchange (eg, the traveler's home country). Currency), return schedule, expiration date, validity of the electronic money card, and electronic money No. identifying the issued electronic money. It is a collection of records that associate such values. The electronic money management table 130 is a table used when the remaining amount of the electronic money card is exchanged into the home currency in accordance with, for example, the timing of returning home.

  FIG. 11 is a diagram showing a configuration example of the tax exemption information table 131 in the present embodiment. The tax exemption information table 131 is a table in which information related to the tax exemption frame of the tax exempt products handled by the tax exemption facility 1 is accumulated. The data structure of the tax exemption information table 131 is a set of records in which the product name uniquely indicating the tax exempt product is used as a key and the value of the tax exemption frame of the tax exempt product is associated.

--- Function ---
Then, the function with which the payment support server 100 for travelers of this embodiment is provided is demonstrated. As described above, the function described below can be said to be a function implemented by executing the program 102 provided in the traveler settlement support server 100, for example.

The traveler settlement support server 100 according to the present embodiment, for example, at a suitable facility such as an airport or a hotel, passport information of a passport presented by a traveler who desires registration processing, a traveling means for this trip (example: Aircraft, railways, ships, cars, etc.) or facilities (eg:
Information on each ticket of hotels, inns, competition facilities, exhibition halls, museums, etc., information for biometric authentication such as fingerprints and irises, and information on payment means such as credit cards and electronic money cards, etc. It has a function of receiving via the input device 3051, the media reader device 3052, the biometric information reader 3053, and the card reader 3054, and storing the received information in the storage device 101 in association with each other.

  Of the information stored here, information related to the passport is stored in the passport information table 125, information related to the ticket of the transportation means is stored in the boarding pass information table 126, and information related to the ticket of the used facility is stored in the used facility information table. 127, and information on the settlement means is stored in the card information table 128. The key information for associating records relating to the same traveler in each of the tables 125 to 128 is the passport number.

  The traveler settlement support server 100 also stores traveler biometric information (read by the biometric information reader 2053 of the store terminal 200) included in the payment information received from the store terminal 200 of the duty-free facility in the storage device 101. The biometric authentication information in the card information table 128 is collated, and a function is provided for identifying whether biometric authentication information that matches the biometric information derived from the store terminal 200 exists.

  When the traveler settlement support server 100 collates the traveler's biometric information with the biometric authentication information in the card information table 128, “registration validity” in the boarding pass information table 126 and the use facility information table 127. Search for a record in the passport information table 125 using the passport number set in the record having “Yes” as a key, and identify valid records including the current passport expiration date from among the records obtained by the search, Using the passport number indicated by the specified record as a key, the card information table 128 is used to specify a biometric authentication information group and to collate the biometric authentication information group with the traveler's biometric information.

  In addition, the traveler settlement support server 100 relates to the moving means or the use facility associated with each biometric authentication information included in the above-described biometric authentication information group (via the passport number). The use area or a predetermined range including the use area is specified from the value of “arrival place” in the boarding pass information table 126 for the transportation means and from the value of “location” in the use facility information table 127 for the use facilities. It has a function.

  Further, in this case, the traveler settlement support server 100 uses the above-mentioned living body or the record of the use facility including the location of the tax-exempt facility indicated by the above-mentioned settlement information derived from the store terminal 200 in the above-mentioned region. It has a function of identifying from the authentication information group and collating the identified biometric authentication information group with the traveler's biometric information.

  In addition, as a result of the above-described collation, the traveler settlement support server 100 permits settlement when biometric authentication information that matches the biometric information derived from the store terminal 200 can be identified, that is, when biometric authentication is successful. The function of returning the information to the store terminal 200 is provided.

  Further, when the above-described biometric authentication is successful, the traveler settlement support server 100 specifies information on a settlement means such as a credit card or an electronic money card held with respect to the traveler (passport number) in the card information table 128. It has a function to do.

In this case, the traveler settlement support server 100 executes a predetermined settlement process for the settlement amount indicated by the settlement information based on the information such as the credit card specified above, and the result of the settlement process is described above. A function of returning to the store terminal 200 as payment permission information is provided. Here, as the payment processing performed by the traveler payment support server 100, for example, processing for transmitting a payment request for the payment amount to a payment system of a credit card company, a card information table 128, and an electronic money management table A process of executing a subtraction process for the payment amount from the current available amount (the remaining amount of electronic money) of the electronic money card at 130 is assumed.

  Further, the traveler settlement support server 100 applies the tax exemption of the tax exempt product in the tax exemption information table 131 of the storage device 101 with respect to the product to be settled indicated by the settlement information received from the store terminal 200 and the number of purchases of the product. It has a function of collating with the information of the frame, determining the usage rate of the tax exemption frame by the current purchase regarding the payment target product, and transmitting the determination result to the store terminal 200.

  Further, the traveler settlement support server 100 receives the traveler's biometric information (the biometric information of the store terminal 200) included in the settlement information about the non-tax exempt product received from the store terminal 200 of the tax exempt facility or the store terminal 200 of the non tax exempt facility. The information reader 2053) is compared with the biometric authentication information in the card information table 128 of the storage device 101, and has a function of identifying whether biometric authentication information that matches the above biometric information exists. Yes.

  Further, the traveler settlement support server 100 in this case, when collating the traveler's biometric information with the biometric authentication information in the card information table 128, the “registration validity” in the boarding pass information table 126 and the use facility information table 127. Search for records in the passport information table 125 using the passport number set in the record with “Presence of presence / absence” as “present”, and identify valid records including the current passport expiration date from the records obtained by the search The biometric authentication information group is identified in the card information table 128 using the passport number indicated by the identified record as a key, and the biometric authentication information group and the traveler's biometric information are collated. Yes.

  In addition, the traveler settlement support server 100 relates to the moving means or the use facility associated with each biometric authentication information included in the above-described biometric authentication information group (via the passport number). The use area or a predetermined range including the use area is specified from the value of “arrival place” in the boarding pass information table 126 for the transportation means and from the value of “location” in the use facility information table 127 for the use facilities. It has a function.

  In this case, the traveler settlement support server 100 also includes a record of the transportation means or use facility that includes the location of the tax-exempt facility or non-tax-exempt facility indicated by the above-described settlement information derived from the store terminal 200 in the above-specified region. And a function of identifying from the above-mentioned biometric authentication information group and collating the identified biometric authentication information group with the traveler's biometric information.

  In addition, as a result of the above-described collation, the traveler settlement support server 100 permits settlement when biometric authentication information that matches the biometric information derived from the store terminal 200 can be identified, that is, when biometric authentication is successful. The function of returning the information to the store terminal 200 is provided.

  Further, when the above-described biometric authentication is successful, the traveler settlement support server 100 specifies information on a settlement means such as a credit card or an electronic money card held with respect to the traveler (passport number) in the card information table 128. It has a function to do.

In this case, the traveler settlement support server 100 executes a predetermined settlement process for the settlement amount indicated by the settlement information based on the information such as the credit card specified above, and the result of the settlement process is described above. A function of returning to the store terminal 200 as payment permission information is provided. Here, as the payment processing performed by the traveler payment support server 100, for example, processing for transmitting a payment request for the payment amount to a payment system of a credit card company, a card information table 128, and an electronic money management table A process of executing a subtraction process for the payment amount from the current available amount (the remaining amount of electronic money) of the electronic money card at 130 is assumed.

--- Flow example 1 ---
Hereinafter, the actual procedure of the settlement support method for travelers in this embodiment will be described with reference to the drawings. Various operations corresponding to the traveler settlement support method described below are realized by a program that the traveler settlement support server 100 reads into the memory 103 and executes. These programs are composed of codes for performing various operations described below.

  FIG. 12 is a diagram showing a flow example 1 in the traveler settlement support method of the present embodiment. Here, for example, a traveler uses a passport, boarding pass, biometric authentication at the airport at departure or return (including a connecting airport) to use the payment support service of the payment support server 100 for the traveler. It is assumed that information is registered.

  The operations of the traveler (or duty-free facility staff, airport staff, etc.) at this time are the reading operation for the passport and boarding pass in the medium reader device 3052 of the input device 305 in the registration terminal 300, and the travel in the biometric information reader 3053. Reading operation of a person's finger, palm, etc., and reading operation of a traveler's credit card etc. in the card reader 3054.

  In addition, the traveler performs an input operation on the input device 3051 for the predetermined information that needs to be given for each of the passport, boarding pass, credit card, and biometric authentication information in accordance with each of the above-described reading operations.

  In this case, first, the traveler settlement support server 100 reads the passport number of the passport, the validity of the passport IC chip, barcode, etc. of the passport, etc. Predetermined information such as the deadline, passport holder's name, signature, face image, age, nationality, birthplace, and gender is acquired from the registration terminal 300 (s100).

  Subsequently, the traveler settlement support server 100 checks whether the current date is included in the validity period of the passport in the information acquired above, and determines whether the passport is within the valid period (s101). As a result of this determination, if it is determined that the passport is invalid (s101: NG), the traveler settlement support server 100 displays an appropriate error message on the above-described registration terminal 300 ( s102), the subsequent processing is terminated.

  On the other hand, as a result of the above-described determination, when it is determined that the passport is valid without the expiration date (s101: OK), the traveler settlement support server 100 obtains the information obtained in step s100 described above, The information is stored in the passport information table 125 of the storage device 101 (s103).

  Next, the settlement support server 100 for travelers accompanies the user of the boarding pass in response to the reading operation by the medium reader device 3052 of the registration terminal 300 with respect to the bar code or the like of the boarding pass of the air mail held by the traveler or the like. Predetermined information such as name, departure place, transit place, arrival place, boarding date, flight name, boarding time is acquired from the registration terminal 300 (s104).

  Subsequently, the traveler settlement support server 100 sets the corresponding boarding time on the boarding date as the “registration expiration date” from the boarding date and boarding time information among the information obtained in step s104 described above. It is checked whether or not the date and time indicated by has already passed, and it is determined whether or not the boarding pass is within the registration validity period (s105).

  As a result of this determination, if it is determined that the boarding pass is invalid and the registration expiration date has passed (s105: NG), the traveler settlement support server 100 determines that an appropriate error message (eg, boarding date has not passed). Please display a valid boarding pass again) on the registration terminal 300 described above (s106), and the subsequent processing is terminated.

  On the other hand, as a result of the determination described above, when it is determined that the boarding pass is valid without the expiration date of registration (s105: OK), the traveler settlement support server 100 obtains the information obtained in step s104 above. The three information (numbers) of the registration validity “present” information and the passport number obtained in step s100 described above are associated and stored in the boarding pass information table 126 of the storage device 101 (s107).

  Next, the settlement support server 100 for travelers accompanies a reading operation by the medium reader device 3052 of the registration terminal 300 for bar codes of coupons used for various use facilities such as accommodation facilities and competition facilities held by travelers. Then, predetermined information such as the name of the user of the use coupon, the name of the use facility, the location, and the use period is acquired from the registration terminal 300 (s108).

  Subsequently, the traveler settlement support server 100 checks whether the date / time indicated by the usage period information has already passed among the information obtained in step s108 described above, and determines whether the coupon is within the usage period (s109). ).

  As a result of this determination, when it is determined that the coupon is an invalid usage coupon whose usage period has passed (s109: NG), the traveler settlement support server 100 determines that an appropriate error message (eg, valid usage date has not passed). Display a new use coupon) on the registration terminal 300 described above (s110), and the subsequent processing is terminated.

  On the other hand, as a result of the above-described determination, when it is determined that the coupon is an effective usage coupon whose usage period has not expired (s109: OK), the traveler settlement support server 100 determines whether the information obtained in step s108 described above is included. Then, the registration validity “present” information is associated with the passport number obtained in step s100 described above and stored in the use facility information table 127 of the storage device 101 (s111).

  In addition, each process of the above-mentioned step s104-s111 is repeatedly performed by the frequency | count according to the number of sheets, when a traveler presents a plurality of boarding passes and a plurality of use coupons.

  Subsequently, the settlement support server for travelers 100 sends biometric authentication information from the registration terminal 300 to the body such as the above-described traveler's fingers, iris, and palm by the biometric information reader 3053 of the registration terminal 300. Obtain (s112).

  Further, the traveler settlement support server 100 newly generates a record in the card information table 128, and the biometric authentication information obtained in s112 and the passport number obtained in step s100 are included in the record. Are stored in association with each other (s113).

Next, the settlement support server for travelers 100 sends a message confirming whether to select a credit card (postpay) or electronic money (prepaid) as a settlement means used for shopping at the tax-free facility 1 or the like. 300 and displayed on the output device 306 (s114). In response to this display, when electronic money (prepayment) is selected in the registration terminal 300, the traveler settlement support server 100 confirms whether the electronic money charging means is cash payment or credit card payment. The message is transmitted to the registration terminal 300 and displayed on the output device 306.

  Further, the traveler settlement support server 100 transmits a message for confirming whether or not to issue an electronic money card to the registration terminal 300 and causes the output device 306 to display the message. The traveler settlement support server 100 determines whether payment means, charge means, and electronic money issuance are necessary in response to the input at the registration terminal 300 for these displays.

  When the traveler's selection target received via the input device 3051 of the input device 305 in the registration terminal 300 is a credit card (s115: cd), the traveler settlement support server 100 holds the traveler over Accompanying the reading operation by the card reader 3054 of the registration terminal 300 with respect to the credit card, the card No. Predetermined information such as the name of the card holder (namely, the name of the traveler), the card classification, the card expiration date, and the image data of the signature is acquired from the registration terminal 300 (s116).

  On the other hand, when the traveler's selection target is an electronic money card (s115: em), the traveler settlement support server 100 shifts the processing to step s124. Alternatively, when the traveler does not select any payment method and indicates an intention to avoid the payment method registration itself (s115: n), the traveler payment support server 100 ends the subsequent processing.

  Subsequently, the traveler settlement support server 100 checks whether the date / time indicated by the information on the card expiration date has already passed among the information obtained in step s116, and determines whether the credit card is within the card expiration date (s117). ).

  As a result of this determination, if it is determined that the credit card has expired (s117: NG), the traveler settlement support server 100 registers a message asking whether to use an electronic money card. The information is transmitted to the terminal 300, displayed on the output device 306 (s118), and an instruction from the traveler is received via the input device 3051 of the registration terminal 300 (s119).

  As a result of step s119 described above, when an instruction to use an electronic money card is obtained from the registration terminal 300 (s120: y), the traveler settlement support server 100 shifts the processing to step s124.

  On the other hand, as a result of the above-described step s119, when the instruction to use the electronic money card is not obtained from the registration terminal 300 (s120: n), the traveler settlement support server 100 displays an appropriate error message (for example, the card expiration date). Display a valid credit card that has not passed) on the output device 106 of the registration terminal 300 (s121), and the subsequent processing is terminated.

  On the other hand, as a result of the determination in the above step s117, when it is determined that the credit card is valid within the card term (s117: OK), the traveler settlement support server 100 obtains the information obtained in step s116. The confirmation request regarding the credit card usage limit amount and the current usable amount is included and transmitted to a predetermined system (eg, credit information management system) of the credit card company (s122).

The settlement support server for travelers 100 acquires information on the credit card use limit amount and the current available amount returned by the predetermined system of the credit card company in response to the above confirmation request, and the above step s116. And the information “available” are stored in the corresponding record of the card information table 128 already generated in step s113 (s123), and the process is terminated. In this step, information regarding whether or not the card can be used may be acquired. In other words, a card that cannot be used for reasons such as theft may be checked together.

  For example, a traveler who intends to use an electronic money card needs to charge an electronic money card that can be used in the country / region of the destination. In this charging operation, for example, a predetermined amount of cash is inserted or a credit card is paid to an appropriate electronic money card issuing means provided in the traveler settlement support server 100. This is based on the determinations at s114 and s115, and whether or not a card issuance is required is also performed according to the above determination. As for the processing associated with the cash input, the cash is entered into the registration terminal 300, or the traveler hands over the cash for charging to the staff of the duty-free facility 1, while the staff uses the input device 1051 for a predetermined amount. An input operation can be assumed.

  When such a charging operation is performed, the settlement support server for travelers 100 sets the card No. of the electronic money card to be given to the travelers. And the value of the charge amount are stored in the corresponding record of the card information table 128 already generated in step s113 described above (s124), and the process ends.

  In this embodiment, an electronic money card is used. However, payment by “hand-held” that does not issue a card may be performed by using biometric information. Even when a card is issued, a form of “hand-held” inside the airport and an “electronic money card” outside the airport may be used. When registration is performed as described above, electronic money No. For the electronic money No. When the electronic money is used, it can be used to confirm the passport number and the like. Foreign travelers are required to present their passport when shopping, but this confirmation makes it possible to omit the presentation.

--- Flow example 2 ---
Next, a settlement process when a traveler who has already been registered as described above performs shopping at the tax-free facility 1 will be described. Although not specifically indicated, the tax-free facility 1 shown in the description here may be a non-tax-free facility. In addition, the product targeted for shopping by the traveler may be either a tax exempt product or a non-tax exempt product.

  FIG. 13 is a diagram showing a flow example 2 in the traveler settlement support method of the present embodiment. The traveler who performed the various registration operations shown in the above flow example 1 does not need to present at least the passport or boarding pass to the store side when shopping by visiting the tax-free facility 1. Furthermore, a traveler who has registered information on settlement means does not need to carry a conventional settlement means such as a passport, boarding pass, and cash, credit card or electronic money card when shopping at the tax-free facility 1. The traveler who pays at the time of shopping only needs to present a part of his / her body such as a finger or a palm to the biometric information reader 2053 provided in the store terminal 200 of the tax-free facility 1.

  In this case, the shop terminal 200 of the duty-free facility converts the traveler's biometric information received by the biometric information reader 2053 into an appropriate predetermined format, and travels the payment information including the converted biometric information via the network 10. Is transmitted to the settlement support server 100 for users. This payment information includes, in addition to the biological information, the attribute of the payment target product, the payment amount, and information on the tax-free facility.

On the other hand, when the payment support server 100 for travelers receives the above-described payment information from the store terminal 200, the “registration validity” in the boarding pass information table 126 and the use facility information table 127 is “present”. Using the passport number set in the record as a key, the record is searched in the passport information table 125, and the valid record including the present time is included in the record obtained by the search, and the specified record indicates Using the passport number as a key, the biometric authentication information group is specified in the card information table 128 (s200).

  In addition, when specifying the biometric authentication information group based on the above-described validity, the traveler settlement support server 100 sets “in the boarding pass information table 126 in a predetermined range including the location of the tax-exempt facility indicated by the settlement information”. It is preferable to further narrow down the biometric authentication information group in the card information table 128 using the passport number set in the record including the “arrival place” or the “location” in the use facility information table 127 as a key. It is.

  Next, the traveler settlement support server 100 collates the biometric information included in the above-described settlement information with the biometric authentication information group specified in step s200, and executes a predetermined biometric authentication process (s201). . The biometric authentication process may be performed by using existing technology.

  If there is no registration of biometric authentication information that matches the traveler's biometric information received from the store terminal 200 by the above-described verification, that is, if biometric authentication is not successful (s202: NG), The settlement support server 100 ends the subsequent processing.

  On the other hand, if there is registration of biometric authentication information that matches the traveler's biometric information received from the store terminal 200 by the above-described verification, that is, if biometric authentication is successful (s202: OK), the traveler settlement support The server 100 acquires traveler attribute information such as age, nationality, and gender from the traveler record in the passport information table 125 (s203).

  Further, the settlement support server for travelers 100 reads the attribute information of the payment target product from the above-mentioned payment information, compares this with the sales rule for each product attribute, and determines the correspondence contents at the time of selling the payment target product. Determine (s204).

  The above sales rules include, for example, “alcoholic beverages are sold only to those over the age of 20”, “predetermined types of meat must be reconfirmed when sold to people of a specified nationality”, “predetermined types of food to women When selling, it can be assumed that “confirmation of pregnancy” is required. Therefore, when the “age” is “15 years old” among the attributes of the traveler, for example, there is a corresponding content such as transmitting the fact that the sale is not possible when the above sales rules are collated and terminating the settlement operation. Can be identified.

  As a result of the above determination, when it is determined that the product to be settled cannot be sold (s204: NG), the traveler settlement support server 100 returns that fact to the store terminal 200 (s205), and the subsequent processing Exit.

  On the other hand, as a result of the determination described above, when it is determined that there is no problem in the sale of the payment target product (s204: OK), the traveler settlement support server 100 determines the payment target product indicated by the payment information and The number of purchases of the product is checked against the information on the tax exemption frame of the tax exempt product in the tax exemption information table 131 of the storage device 101, and the usage rate of the tax exemption frame for this settlement target product is determined (s206).

  In this case, for example, the traveler settlement support server 100 specifies that the tax exemption frame of the payment target product “cigarette” is “100” in the tax exemption information table 131, and the number of purchases of this “cigarette” is as follows. In the case of “70”, the usage rate of the tax exemption frame is determined as (70/100) × 100 = 70%.

In addition, when raising the determination accuracy of the duty-free frame usage rate, the traveler settlement support server 100 refers to the record related to the traveler in the shopping information table 129, and settles the current trip among the records. Identify based on time information. Further, the traveler settlement support server 100 adds together the number of purchases indicated by the items related to the settlement target product among the records specified here. The traveler settlement support server 100 adds up the total value and the number of purchases in the current purchase, and determines the usage rate of the tax exemption frame described above based on the total value.

  In this case, for example, the settlement support server for travelers 100 specifies that the shopping information table 129 has already purchased “20 cigarettes” in the current trip, and newly adds the “cigarettes” this time. When “70” is to be purchased, the usage rate of the tax exemption frame is determined as ((20 + 70) / 100) × 100 = 90%.

  Further, the traveler settlement support server 100 transmits information on the usage rate of the tax exemption frame determined by the above-described determination to the store terminal 200 (s207).

  Next, the traveler settlement support server 100 identifies the credit card or electronic money card information held for the traveler (its passport number) in the card information table 128, and based on this information, the above-mentioned settlement card is used. A predetermined settlement process corresponding to the settlement amount indicated by the information is executed, and the result of the settlement process is returned to the store terminal 200 (s208).

  Here, as the payment processing performed by the traveler payment support server 100, for example, processing for transmitting a payment request for the payment amount to a payment system of a credit card company, a card information table 128, and an electronic money management table A process of executing a subtraction process for the payment amount from the current available amount (the remaining amount of electronic money) of the electronic money card at 130 is assumed.

  When the above-described settlement processing is completed, the traveler settlement support server 100 stores the above-mentioned settlement information and the result of the settlement processing in the shopping information table 129 indicating the contents of shopping that is the subject of the settlement processing. (S209), and the process ends.

  According to this embodiment, it is possible to make shopping at a duty-free facility by a foreign traveler efficient and comfortable.

  At least the following will be clarified by the description of the present specification. That is, in the settlement support system for travelers according to the present embodiment, the computing device includes the expiry date of the passport indicated by the passport information associated with the biometric authentication information and information on the moving means or the use facility, It is good also as what specifies the presence or absence of the said effectiveness by determining whether the use time limit of a means or a use facility is effective including the present time.

  According to this, it is possible to efficiently narrow down the biometric information to be compared with the biometric information at the time of biometric authentication, and as a result, the overall processing efficiency in the traveler settlement support system can be improved.

  In addition, the traveler whose authenticity can be confirmed by biometric authentication is a foreign traveler who has entered Japan using a valid passport registered in advance, that is, the person himself / herself who has the right to tax-free shopping, and possesses the air After confirming that tickets, railway tickets, accommodation coupons, etc. are still valid and that there are no problems such as illegal stays, payment permission (including the concept of payment processing) can be made. .

  At the time of shopping, the traveler performs only the operation of causing the input device such as a reader to read the biometric information at the duty-free facility, and the conventionally required operation such as presentation of a passport or an airline ticket becomes unnecessary. . As a result, it is possible to make shopping at a duty-free facility by a valid foreign traveler efficient and comfortable.

  Moreover, in the payment support system for travelers according to the present embodiment, the calculation device is configured to use a travel area of the travel means or the use facility indicated by the information on the travel means or the use facility associated with the biometric authentication information or the use area. The presence or absence of the validity may be further determined by determining whether or not the location of the tax-exempt facility indicated by the payment information is included in a predetermined range including the usage region.

  According to this, it becomes possible to narrow down more efficiently the biometric information to be compared with the biometric information at the time of biometric authentication, and as a result, the overall processing efficiency in the payment support system for travelers can be further improved.

  In addition to the expiry date of passports, air tickets, etc., it is possible to determine whether or not the shopping act by tax exemption in the area including the destination and accommodation is correct, for example, it is impossible by a malicious third party etc. Appropriate payment authorization (including the concept of payment processing) is performed by eliminating shopping activities at places (eg, far away from the common sense range from the planned place of stay indicated by air tickets, accommodation coupons, etc.) It becomes possible. As a result, it is possible to make shopping at a duty-free facility appropriate for a location by a legitimate foreign traveler efficient and comfortable.

  Moreover, in the payment support system for travelers according to the present embodiment, the storage device further holds information about payment means in association with a traveler, and the arithmetic device matches the biological information. When biometric authentication information registration exists, based on the information of the settlement means held for the traveler, a predetermined settlement process corresponding to the settlement amount indicated by the settlement information is executed, and the result of the settlement process is displayed. The information may be returned to the terminal as the payment permission information.

  According to this, the settlement process can be completed only by performing the operation for biometric authentication without performing the conventional settlement process in which the foreign traveler presented the credit card or the like at the tax-free facility. As a result, it is possible to make shopping at a duty-free facility by a foreign traveler more efficient and comfortable.

  Moreover, in the payment support system for travelers according to the present embodiment, the storage device further holds information on a tax exemption frame related to a tax exempt product, and the arithmetic device is a product to be settled indicated by the settlement information. And the number of purchases of the product are checked against the tax exemption information of the tax exempt product in the storage device, the usage rate of the tax exemption frame for this settlement target product is determined, and the determination result is transmitted to the terminal It is also possible to further execute the processing.

  According to this, tourists can use the tax exemption limit specified by the country for items purchased at the tax exempt facility (ex. Tax exemption up to the cigarette XX carton) and how much tax exemption limit is used for this purchase. It becomes possible to easily recognize whether to do. For example, if it is known that the tax exemption limit will be exceeded by this purchase, the traveler can cancel the purchase or take appropriate measures on the spot, such as reducing the number of purchases to fit within the tax exemption limit. . As a result, it is possible to make shopping at a duty-free facility by a foreign traveler more efficient and comfortable.

  Further, in the settlement support system for travelers according to the present embodiment, the calculation device receives the traveler's passport information, information on the travel means or facility used in the trip, and biometric authentication information by a predetermined input device. The process of storing the received information in association with each other in the storage device may be further executed.

According to this, a traveler can register various information regarding himself / herself for tax-free shopping in the country using the payment support system for the traveler installed at an airport, accommodation facility or station, etc. It becomes possible. In addition, even if various changes such as the schedule and accommodations occur during the trip, the registration content is changed by executing the above registration operation in the same manner at the location where the payment support system for travelers is installed. You can also On the other hand, in the traveler settlement support system, the above-described registration operation can be received at any time, and registration and update regarding each traveler can be performed efficiently and quickly. As a result, it is possible to make shopping at a duty-free facility by foreign tourists efficient and comfortable.

  Further, in the settlement support system for travelers according to the present embodiment, the arithmetic device receives the biological information of the traveler included in the settlement information about the non-tax free product received from the terminal of the tax free facility or the terminal of the non tax free facility. Of the biometric authentication information stored in the storage device, the passport information indicating a predetermined validity is matched with information associated with the moving means or use facility, and biometric authentication information that matches the biometric information is registered. If it exists, the process of returning the payment permission information to the terminal may be further executed.

  According to this, in addition to shopping at a tax-free facility by a foreign traveler, shopping at a non-tax-free facility can be made efficient and comfortable.

  Moreover, in the payment support method for travelers according to the present embodiment, the information processing system includes a passport expiration date indicated by the passport information associated with the biometric authentication information and information on a moving means or a use facility, The presence or absence of the validity may be specified by determining whether the usage period of the moving means or the use facility is valid including the current time.

  Further, in the settlement support method for travelers according to the present embodiment, the information processing system indicates the use area of the transfer means or use facility indicated by the information on the transfer means or use facility associated with the biometric authentication information or The presence / absence of the validity may be further determined by determining whether or not the location of the tax-exempt facility indicated by the payment information is included in a predetermined range including the use region.

  Moreover, in the payment support method for travelers according to the present embodiment, the information processing system further holds information about payment means in association with the traveler in the storage device, and biometric authentication that matches the biometric information. If there is a registration of the transaction information, a predetermined settlement process corresponding to the settlement amount indicated by the settlement information is executed on the basis of the information of the settlement means held for the traveler, and the result of the settlement process is determined as the settlement process. It is good also as returning to the said terminal as permission information.

  Further, in the payment support method for travelers according to the present embodiment, the information processing system further holds information on a tax exemption frame related to a tax exempt product in the storage device, and the product to be settled indicated by the settlement information and the information A process of checking the duty-free quota information of the tax-free product in the storage device for the number of purchases of the product, determining the usage rate of the tax-free quota by the current purchase related to the payment target product, and transmitting the determination result to the terminal May be further executed.

  In the traveler settlement support method of the present embodiment, the information processing system accepts the traveler's passport information, information on the travel means or facility used in the trip, and biometric authentication information using a predetermined input device. Then, the process of associating the received information with each other and storing the information in the storage device may be further executed.

Further, in the settlement support method for travelers according to the present embodiment, the biological information of the traveler included in the settlement information related to the non-tax free product received by the information processing system from the terminal of the tax free facility or the terminal of the non-tax free facility. The biometric authentication information stored in the storage device is checked against passport information indicating predetermined validity and information associated with the moving means or use facility, and the biometric authentication information that matches the biometric information is registered. If there is, the processing for returning the payment permission information to the terminal may be further executed.

1 Duty-free facility 10 Network 100 Settlement support server for travelers (Settlement support system for travelers)
101 storage device 102 program 103 memory 104 CPU (arithmetic unit)
105 input device 1051 input device 1052 medium reader device 1053 biometric information reader 1054 card reader 106 output device 107 communication device 125 passport information table 126 boarding pass information table 127 use facility information table 128 card information table 129 shopping information table 130 electronic money management Table 131 Tax-free information table 200 Store terminal (terminal of duty-free facility)
201 storage device 202 program 203 memory 204 CPU (arithmetic unit)
205 Input Device 2051 Input Device 2053 Biological Information Reader 2054 Card Reader 206 Output Device 207 Communication Device 300 Registration Terminal 301 Storage Device 302 Program 303 Memory 304 CPU (Calculation Device)
605 Input device 3051 Input device 3052 Medium reader device 3053 Biometric reader 3054 Card reader 306 Output device 307 Communication device 308 Cash transfer device 309 Cash transport / storage device 310 Cash identification device

Claims (12)

A communication device that communicates with a terminal provided in a facility that requires the traveler's passport information in payment based on sale of goods or provision of services to the traveler;
A storage device that holds the passport information of the traveler and biometric authentication information in association with each other , and further holds information on a tax exemption frame related to a tax exempt product ,
The biological information of the traveler entered by presenting a part of the traveler's body included in the payment information received from the terminal via the communication device to the terminal is stored in the storage device. Of the stored biometric authentication information, collate with the biometric authentication information associated with the passport information indicating a predetermined validity,
A computing device that transmits payment permission information to the terminal via the communication device when there is a registration of the associated biometric authentication information that matches the biometric information;
With
The arithmetic unit is:
The payment target product indicated by the payment information and the number of purchases of the product in the current trip are checked against the information on the tax exemption frame of the tax exempt product held in the storage device, and It further determines the usage rate of the tax exemption frame by purchase in the travel, and further executes a process of transmitting the determination result to the terminal.
This is a payment support system for travelers. The arithmetic unit is
The passport information associated with the biometric authentication information indicates whether the validity of the passport is valid including the current time, thereby identifying the presence or absence of the validity.
The payment support system for travelers according to claim 1, wherein: The arithmetic unit is
The tax exemption indicated by the payment information in the area of use of the moving means or the use facility or the predetermined area including the use area indicated by the information on the travel means or the use facility in the travel associated with the biometric authentication information By determining whether the location of the facility is included, the presence or absence of the effectiveness is further determined.
The traveler support system according to claim 2, wherein: The storage device
With regard to the traveler, the information on the payment means is also stored in association with each other.
The arithmetic unit is
When there is registration of biometric authentication information that matches the biometric information, based on the information of the settlement means held for the traveler, a predetermined settlement process for the settlement amount indicated by the settlement information is executed, The result of the payment process is transmitted to the terminal as the payment permission information.
The payment support system for travelers according to claim 1, wherein: The arithmetic unit is
A process of receiving the traveler's passport information, information on travel means or facilities for travel, and biometric authentication information with a predetermined input device, and storing the received information in the storage device in association with each other. It is something that will be executed further,
The payment support system for travelers according to claim 1, wherein: The arithmetic unit is
A part of the traveler's body included in the settlement information received from the terminal of the duty-free facility or the terminal of the non-tax-free facility via the communication device is presented to the terminal. The biometric information of the traveler that has been input is collated with the biometric authentication information that is associated with the passport information that indicates predetermined validity, among the biometric authentication information held in the storage device, When there is a registration of the associated biometric authentication information that matches the biometric information, it further executes a process of transmitting settlement permission information to the terminal via the communication device.
The payment support system for travelers according to claim 1, wherein: In settlement based on sale of goods and provision of services to travelers, a communication device that communicates with a terminal provided in a facility that requires the traveler's passport information, the traveler's passport information, and biometric authentication An information processing system comprising a storage device that holds information in association with each other and further holds information on a tax exemption frame related to a tax exempt product ,
The biological information of the traveler entered by presenting a part of the traveler's body included in the payment information received from the terminal via the communication device to the terminal is stored in the storage device. Of the stored biometric authentication information, the biometric authentication information matched with the biometric information matched with the passport information indicating a predetermined validity and matched with the biometric information When there is registration of information, information on payment permission is transmitted to the terminal via the communication device ,
The payment target product indicated by the payment information and the number of purchases of the product in the current trip are checked against the information on the tax exemption frame of the tax exempt product held in the storage device, and Determine the usage rate of the tax exemption frame for purchases during travel, and send the determination result to the terminal.
A payment support method for travelers characterized by the above. The information processing system is
The validity of the passport indicated by the passport information associated with the biometric authentication information is determined to determine whether or not the validity is present by determining whether it is valid including the current time,
The settlement support method for a traveler according to claim 7 . The information processing system is
The tax exemption indicated by the payment information in the area of use of the moving means or the use facility or the predetermined area including the use area indicated by the information on the travel means or the use facility in the travel associated with the biometric authentication information Further determining the validity by determining whether the location of the facility is included,
The payment support method for travelers according to claim 8 , wherein: The information processing system is
In the storage device, with respect to the traveler, the information on the settlement means is further associated and held,
When there is registration of biometric authentication information that matches the biometric information, based on the information of the settlement means held for the traveler, a predetermined settlement process for the settlement amount indicated by the settlement information is executed, Transmitting the result of the payment process to the terminal as the payment permission information;
The settlement support method for a traveler according to claim 7 . The information processing system is
A process of receiving the traveler's passport information, information on travel means or facilities for travel, and biometric authentication information with a predetermined input device, and storing the received information in the storage device in association with each other. Perform further,
The settlement support method for a traveler according to claim 7 . The information processing system is
A part of the traveler's body included in the settlement information received from the terminal of the duty-free facility or the terminal of the non-tax-free facility via the communication device is presented to the terminal. The biometric information of the traveler that has been input is collated with the biometric authentication information that is associated with the passport information that indicates predetermined validity, among the biometric authentication information held in the storage device, When registration of the associated biometric authentication information that matches the biometric information exists, further executes a process of transmitting payment permission information to the terminal via the communication device;
The settlement support method for a traveler according to claim 7 .

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