JP6502244B2 - Payment system - Google Patents

Description

  The present invention relates to a payment system that allows a customer who comes from a second country different from the first country to shop using the portable terminal in the first country.

  2. Description of the Related Art Conventionally, payment using a portable terminal such as a mobile phone or a smartphone owned by an individual is known as a payment method easier than card payment such as credit card and debit card. In such a so-called mobile payment, a customer can shop at a store without carrying a credit card.

  For example, in the credit settlement method described in Patent Document 1, the application software of the portable terminal requests the customer to input a password, and transmits the input password and the solid number of the portable terminal as customer information to the portable carrier server. In the mobile carrier server, a customer information database for authenticating a customer who is the owner of the mobile terminal is constructed, and the customer information received from the mobile terminal is collated with the customer information database to authenticate the customer.

  The portable terminal displays the credit card information received from the portable carrier server on the liquid crystal screen as a QR code (registered trademark). And credit payment is performed by reading this with a QR code reader of a store terminal, and credit utilization information is finally transmitted to a customer's portable terminal (paragraphs 0020 to 0026, FIG. 2, 3).

Unexamined-Japanese-Patent No. 2012-083913

  However, when shopping abroad by the above payment method, it is not possible to easily shop using a portable terminal because it is necessary to access the server of the home country across the border. In addition, even if there is an environment for payment using a mobile terminal, customers can feel relieved if accurate payment information can not be obtained or security of the payment system is not secured, especially in countries where languages and money used differ. I can not shop.

  The present invention has been made in view of such circumstances, and it is an object of the present invention to provide a payment system that enables customers to shop safely and easily overseas.

  The settlement system of the present invention is a settlement system which allows a customer visiting from a second country different from the first country to shop using the portable terminal in the first country, A store settlement terminal in each store of one country and capable of reading an authentication code outputted by the mobile terminal; a first country server for acquiring shopping information including the authentication code from the shop settlement terminal; A second country server for acquiring the shopping information from the server, a customer of a customer transaction bank with which a customer visited from the second country trades, acquiring the shopping information from the second country server and performing shopping settlement processing The first country server encrypts the authentication code and communicates with the second country server, and the second country server receives the result of the settlement process from the customer transaction bank server Settlement information for And the payment information is transmitted to at least the portable terminal, and the portable terminal can display payment information in the currency of the second country when the payment by the payment processing is normally performed. It is characterized by

  In the present invention, when a customer visiting from a second country (for example, China) having a different currency performs shopping in the first country (for example, Japan), the shop settlement terminal in each shop outputs it to the customer's portable terminal. Authentication code (for example, various information included in the QR code). As a result, thereafter, shopping information including the authentication code passes through the first country server (company A payment server described later) and the second country server (company B payment server described later), and the customer bank of the second country side Sent to the server. Here, since the first country server encrypts the authentication code and communicates with the second country server, the risk of shopping information being stolen during communication is low, and security at the time of payment is kept high. The first country server preferably communicates with the store settlement terminal by encrypting various information.

  In addition, the second country server acquires the settlement information from the customer transaction bank server and transmits it to the customer's portable terminal, so the portable terminal can confirm the settlement information. In particular, when payment processing is normally performed, the payment information such as the debit amount in the currency of the second country (for example, RMB) is displayed on the portable terminal, so that the customer can feel relieved in the first country. I can do shopping.

  In the settlement system of the present invention, a second country management company of a second country management company trading bank with which a management company of the second country trades, which receives a payment instruction of settlement in the currency of the second country from the customer transaction bank server. Receiving a deposit instruction in the currency of the first country from the second country management company transaction bank server after the exchange rate is converted from the currency of the second country to the currency of the first country, The shop where the shopping was done, the first country bank server of the first country bank, and the first country management company bank of the first country management company bank which the management company of the first country trades The first country server sends a payment to the first country management company transaction bank server and the store transaction bank server with respect to the first country bank server; Give instructions to the first country Line server, when receiving the remittance instructions from the first country server, it is preferable to send money to the first country management company traded bank and the store transaction bank.

  In the present invention, when the second country management company trading bank server receives an instruction to deposit payment in the currency of the second country from the customer trading bank server, the second country management company trading bank server (company B trading bank described later) The payment amount is deposited in the currency of the second country. Then, after the exchange rate conversion is performed, when the first country bank server receives an instruction to deposit payment in the currency of the first country from the second country management company transaction bank server, the first country bank (company A described later The account of the trust bank is paid in the currency of the first country.

  Thereafter, when the first country bank server receives a remittance instruction from the first country server, the first country bank server remits to the first country management company transaction bank (a company A bank described later) and the store transaction bank based on the instruction. . Here, in the first country bank, the funds stored in the account are safely managed separately from the first country management company, for example, by the operation of a trust bank. In this way, in particular, the store bank of each store can receive payment for shopping reliably.

  Further, in the settlement system of the present invention, all settlement information is stored in a first country database of the first country server, and a store server of each store of the first country is stored in the first country database. Among the payment information, it is preferable to be able to access payment information made in the store of its own.

  In the present invention, all payment information is stored in the first country database on the first country side. Then, each store in the first country can access the payment information performed in its own store, for example, using the Internet, by the store server accessing the first country database (so-called cloud) management). As a result, each store can analyze the payment information and set a sales strategy without worrying about the difference in language and currency.

  Further, in the settlement system of the present invention, it is preferable that store information of each store in the first country is notified to a mobile terminal of each customer via a social network system.

  The store information of each store in the first country is, for example, bargain information or a coupon, which may be provided by a management company in the first country or may be provided by each store. The store information can be notified to the mobile terminal of each customer via the social network system, so that the customer can easily obtain various information or transmit it to others. This provides certain benefits to both the customer and the store.

  The settlement system according to the present invention further includes a printer connected to the shop settlement terminal and capable of printing a receipt for shopping, and an identification code for acquiring a transaction number for shopping is printed on the receipt. It is preferable that refund processing can be performed by reading the printed identification code by the shop settlement terminal and specifying settlement processing for shopping.

  In the present invention, there is a printer connected to a store settlement terminal and capable of printing a shopping receipt. Then, on the receipt printed by this printer, an identification code (for example, a QR code or a bar code) for acquiring a transaction number of shopping is printed. The store settlement terminal can read the identification code to specify the settlement process of the customer, so that the refund process can be easily advanced.

  In the settlement system of the present invention, when the language of the second country is different from the language of the first country, it is preferable that the process using the shop settlement terminal can be displayed in both languages.

  When the language of the second country is different from the language of the first country (for example, Japanese), the process using the shop settlement terminal can be displayed in both languages. Thus, if the shop settlement terminal is viewed, it is easy for the customer in the second country to understand information such as whether the process currently being performed or the payment has been completed.

  According to the present invention, it is possible for a customer to carry out settlement of shopping safely and easily overseas.

The figure explaining the outline of the settlement system concerning the embodiment of the present invention. A figure explaining processing after settlement of a settlement system concerning an embodiment of the present invention. The sequence diagram explaining the flow of the information at the time of the payment processing of a payment system. The figure explaining the flow of the money at the time of the payment processing of a payment system. The sequence diagram explaining the flow of the information at the time of refund processing of a payment system.

  First, an outline of the settlement system 1 according to an embodiment of the present invention will be described.

  FIG. 1 is a diagram showing operations of a customer and a store clerk performed in a store in the settlement system 1. For example, in the case where a customer visited from China (example of the "second country" of the present invention) purchases goods in order to shop at a electricity retail store in Japan (example of the "first country" of the present invention), The store clerk of the store uses the store settlement terminal 2 to start the settlement process of the shopping.

  The store settlement terminal 2 is a tablet type PC which can be mainly carried and which adopts a touch panel system, and needs to have a built-in camera. When the settlement process of shopping is started, the clerk activates the shop side settlement application of the shop settlement terminal 2 and selects “settlement” from the screen shown in FIG. 1 (A).

  Thereafter, the shop settlement terminal 2 switches to the screen shown in FIG. 1 (B), so the clerk inputs the amount of goods purchased by the customer. At this time, the clerk enters the amount in yen, which is the currency of Japan. When the customer confirms the payment amount (12,800 yen in this case) displayed on the shop settlement terminal 2, the customer starts preparing for payment using his / her portable terminal 3.

  Here, on the screen of the shop settlement terminal 2, the amount of Chinese yuan renminbi (hereinafter referred to as yuan) may be displayed together at the exchange rate of the day. Note that the display on the left side of the screen in FIG. 1B is the “merchandise category”, and the store clerk selects the merchandise item purchased by the customer this time, whereby the information is stored in the database. This information can be used by each store to examine the consumer's consumption trends and to develop a sales strategy.

  Next, the customer activates a customer-side payment application having a so-called "purse mobile phone" function on the portable terminal 3 owned by the customer. The mobile terminal 3 is mainly a mobile phone or a smartphone, but a mobile device such as a tablet PC can also be used.

  The customer selects one account of a pre-registered Chinese bank ("the customer bank" of the present invention) by means of the customer-side payment application. As shown in FIG. 1A, a plurality of bank accounts can be registered, and the bank account can be switched according to the product to be purchased and the payment amount.

  When the customer selects one bank account, the mobile terminal 3 switches to the screen shown in FIG. 1 (b). As shown, a bar code and a QR code ("the identification code according to the present invention") are displayed on the screen of the portable terminal 3. In each of the codes, information etc. of the bank account selected by the customer is mainly used. Although this is included, the following describes the case of the QR code, which is encrypted on the network, so the risk of information being stolen is very low.

  In addition to the QR code, it has the same function as a one-time password, and is generated especially without connecting to the Internet or querying a server. The QR code displayed on the screen of the portable terminal 3 is updated, for example, every 60 seconds, and is also updated by the customer touching or sliding the screen. That is, the QR code used for the previous shopping can not be used again even if acquired by a third party. Therefore, this payment system 1 can be used with great confidence for the customer.

  Next, the clerk reads the QR code with the camera of the store settlement terminal 2 as shown in FIG. 1 (C). Although the details will be described later, the authentication proceeds by this operation, and if the balance above the payment amount remains in the bank account selected by the customer, the amount is immediately debited (debit settlement method).

  Thereafter, on the screen of the shop settlement terminal 2, a message is displayed indicating that the settlement has been completed. Specifically, as shown in FIG. 1D, the settlement date (Japanese time), the settlement amount and the transaction number are displayed as the settlement contents. In addition, in order to make it possible for the customer to confirm the end of the settlement process by looking at the screen of the shop settlement terminal 2, a display of "succeeded" is made in Chinese.

  Since the store settlement terminal 2 is basically a tool used by the store clerk in the store, it is displayed in Japanese (see FIGS. 1 (A) and 1 (B)), but the store printing process, etc. In each process using the payment terminal 2, the description in Chinese may be displayed. As described above, since the store settlement terminal 2 also functions as a communication tool between a clerk who does not necessarily speak a foreign language and a customer, it is preferable that the main language be covered.

  Finally, the mobile terminal 3 of the customer is notified that the settlement process is completed, and the amount of money withdrawn from the bank account is displayed on the screen of the mobile terminal 3. Here, since the client bank is in China, the settlement is processed as it is. Therefore, as shown in FIG. 1 (c), the original amount (¥ 673.6) is displayed. This makes it very easy for customers to know how much they have used in this shopping.

  If it supplements about the customer side payment application which a customer uses at the time of payment, this is an application which can be used on a social network system (henceforth SNS). The advantage of this is that the customer can easily obtain store information and bargain information directly provided from a Japanese payment management company or each store through the SNS.

  Customers can also exchange various information with friends using the chat function of SNS. In addition to this, customers can receive benefits such as translation of product information, shopping support services such as price information, and shopping using coupons distributed, and as a result, customers can also attract customers. Provide certain benefits, such as

  The customer may own both a smartphone and a tablet PC as a mobile terminal, but if the SNS ID is correctly input and an individual is identified, the customer settlement application is activated on any terminal. be able to. Even when the portable terminal is exchanged, or broken or lost, the settlement system 1 can be used simply by re-installing the customer-side settlement application, and there is also an advantage that it does not depend on hardware.

  Next, with reference to FIG. 2, processing after settlement of the settlement system 1 will be described.

  When the shopping payment is completed, the customer receives a receipt for the current shopping from the store clerk. Of course, it is up to the customer to decide whether or not to receive the receipt, but since the receipt is used in the repayment processing described later, the customer should receive and store the receipt.

  FIG. 2 (A) is a screen of settlement completion of the shop settlement terminal 2 shown in FIG. 1 (D), but a “print” button is prepared in the screen. Then, when the clerk selects “print”, the screen is switched to the screen shown in FIG.

  FIG. 2B is a printer selection screen of the shop settlement terminal 2. A printer 4 for printing a receipt is connected to the store settlement terminal 2 by near field communication such as Bluetooth (registered trademark) (see FIG. 2A). Since a plurality of customers may shop at the same time zone, a plurality of printers can be connected to one shop settlement terminal 2. Then, when printing a receipt, a printer not currently used is searched and one printer is selected.

  When the store clerk selects "Print" on the screen shown in FIG. 2 (B), the screen is switched to the screen shown in FIG. 2 (C). Here, the payment details are displayed again, and in Japanese, "Printing completed." Is displayed.

  Thereafter, the customer receives the receipt 5 outputted from the printer 4 (see FIG. 2 (b)). On the receipt 5 are mainly printed the store name, the date and time of use (Japan time), the terminal number, the transaction number, the amount, and the QR code. The usage date and time, the transaction number, and the amount are the same as the contents displayed on the screen of the store settlement terminal 2 (see FIG. 2C).

  The QR code printed on the receipt 5 may be a code for querying and confirming the transaction details such as the purchased product and the amount, and the QR code displayed on the screen of the portable terminal 3 at the time of shopping and It does not have to be the same. Although the details will be described later, in the refund processing in which the product purchased by the customer is returned and the payment amount is returned, the shop settlement terminal 2 reads this QR code. As a result, it is possible to easily identify the current payment process, and to proceed smoothly with the refund process.

  In addition, below the “Customer's Appeal” on Receipt 5, the Japanese word “You will need to keep this copy in case of refund,” along with the Chinese equivalent meaning “( Offer slip. ") Is described. As described above, the receipt 5 includes Chinese notation, so it is easy for the customer to understand and serves as a warning for loss. When the clerk selects “Done” on the screen shown in FIG. 2 (C), a series of settlement processing ends.

  Next, with reference to FIG. 3, the flow of information will be mainly described for the settlement process of the settlement system 1. Here, each process ((1) to (12) in the figure) related to the information handled in the settlement process will be described, assuming that Japan is the first country and China is the second country as described above.

(1) Payment Amount Entry The clerk uses the store settlement terminal 2 to enter the amount of goods purchased by the customer. Here, the amount of money (payment amount) is entered in yen.

(2) QR Code (Bar Code) Display The customer uses his / her portable terminal 3 to select a bank account to which the payment amount is debited. Thereby, the QR code is displayed on the screen of the portable terminal 3. A barcode may be used because a barcode is also displayed simultaneously with the QR code.

(3) Acquisition of Authentication Code from QR Code The store clerk uses the camera of the store settlement terminal 2 to read the QR code displayed on the screen of the portable terminal 3. Thereby, the shop settlement terminal 2 acquires an authentication code (such as information of a bank account).

(4) Settlement request processing 1
The store settlement terminal 2 manages the settlement of the company A settlement server 6 that manages settlement in Japan, transaction number of the current shopping, terminal number of the mobile terminal 3 used, authentication code, payment amount (yen) and commercialization category (this invention Send to the "first country server" of These pieces of information are stored in a database of company A settlement server 6 (company company transaction statement database 6b described later).

(5) Settlement request processing 2
The company A settlement server 6 manages the settlement in China by the transaction number, the authentication code and the payment amount (yen) among the information transmitted from the shop settlement terminal 2 and the company B settlement server 7 (the second country of the present invention Send to the server). These pieces of information are stored across the border in the database of the B company settlement server 7 (the company B transaction detail database 7 b described later).

  Here, the company A settlement server 6 is connected to the company B settlement server 7 via a dedicated line on the Internet, and can not communicate with servers other than the company B settlement server 7 (the shop settlement terminal 2 Can communicate). As a result, information on the customer's shopping is not accidentally transmitted to another server, enabling highly secure transactions.

(6) Authentication process The company B settlement server 7 acquires, from the authentication code, the nominee (customer), the name of the trading bank selected for payment, and the account number of the bank. In addition, the B company settlement server 7 also confirms whether or not the bank account has a predetermined balance (account information).

(7) Settlement request processing 3
The B company settlement server 7 transmits the account information and the payment amount (original amount) to the customer transaction bank server 8 of the customer transaction bank with which the customer trades in China. Here, the payment amount (original) is the amount converted from the yen to the original converted at the exchange rate of that day.

(8) Judgment Process The customer transaction bank server 8 inquires the balance of the bank account of the customer transaction bank to carry out the settlement process. Specifically, if a balance equal to or more than the payment amount (original) remains, a remittance notice is sent to the B company transaction bank server ("the second country management company transaction bank server" of the present invention). In addition, if there is no remaining balance above the payment amount (original) (the balance is insufficient), it is not possible to withdraw, so settlement suspension information is sent.

  If the balance remains, the original payment amount of the shopping is immediately debited, but the flow of funds will be described in detail later. In addition, the information of the settlement process regarding the remittance possibility is stored in the database of the B company settlement server 7.

(9) Payment result notification 1
The B company settlement server 7 transmits the settlement result of this time to the portable terminal 3 of the customer and notifies. As a result, the settlement result is displayed on the screen of the portable terminal 3 (see FIG. 1 (c)), and the customer can recognize that the settlement is successfully completed.

(10) Payment result notification 2
The company B settlement server 7 transmits the settlement result of this time to the company A settlement server 6 and notifies it. The information on the settlement result is stored across the border in the database of the A company settlement server 6.

(11) Settlement Return Process The company A settlement server 6 transmits the transaction number, the payment amount (yen), the status code and the print settlement code to the shop settlement terminal 2. Thus, the settlement result is displayed on the screen of the shop settlement terminal 2 (see FIG. 1D). The status code is, for example, a code in which the settlement process success is defined as “1” and the failure as “0”, and a specific display is output on the screen of the shop settlement terminal 2 based on this code. The print settlement code is a code necessary to print the receipt 5.

(12) Receipt printing process The clerk uses the shop settlement terminal 2 to print out the details of the settlement process (store, date and time, terminal number, amount), transaction number, QR code, and the receipt 5 by the printer 4. (See FIG. 2 (b)). Although it is easiest to read the QR code printed by the shop settlement terminal 2 in the refund process, the settlement process can also be specified from the transaction number. Thus, the series of payment processing by the payment system 1 is completed.

  Next, with reference to FIG. 4, the flow of funds will be mainly described for the settlement process of the settlement system 1. Unlike Figure 3, China (second country) is shown on the left side of the border and Japan (first country) on the right side of the border, but the funds flow from the Chinese side to the Japanese side.

  First, the payment amount for shopping is immediately deposited from the customer transaction bank account 8a to the company B transaction bank account 9a (original account) based on the payment amount. This payment is made after the customer transaction bank server 8 notifies the company B transaction bank server 9 of the remittance as described above.

  Next, exchange conversion is performed in the B company transaction bank account 9a. For example, exchange the yuan to yen at the midnight exchange rate. The B company's bank account 9a has a former account and a yen account, and on the next day, funds are transferred from the former account to the yen account. As a result, preparation for remittance from the bank B bank account 9a to the bank on the Japanese side is completed.

  The company B management system 7a of the company B settlement server 7 issues a remittance instruction to the company B transaction bank account 9a when a predetermined condition is satisfied. The company B management system 7a manages the settlement process data (transaction details) of the company B transaction statement database 7b. For example, when the balance of the yen account exceeds 600,000 yen, it is transferred to the company B bank account 9a. Give instructions. The B company's bank account 9a deducts the amount of the commission for the series of operations, which is the B company's profit.

  Next, the money transferred from the B company transaction bank account 9a (Yen account) is deposited to the A company trust bank account 10a. Then, the company A trust bank account 10a transfers the payment amount for shopping (yen) to the store bank account 11a of the store bank, for example, once at the end of the month. In addition, since the settlement processing in Japan is the work of company A, company A trust bank account 10a, the amount of the fee for the company A bank ("the first country management company bank of the present invention") "company A Transfer to the bank account 12a In addition, a predetermined fee is also generated by the processing by the trust bank of company A.

  Here, in the A company management system 6 a of the A company settlement server 6, data of the transaction statement (yen) is transferred from the B company management system 7 a. The company A management system 6a manages data of transaction details (yen) in the company A transaction detail database 6b (the "first country database" of the present invention), and can calculate the transfer amount and the fee. As a flow of information, company A trust bank server 10 ("first country bank server" of the present invention) of company A trust bank receives a transfer instruction (remittance instruction) from the company A management system and stores the store bank The transfer bank server 11 is notified of the transfer. In addition, the company A trust bank server 10 sends a transfer notice to the company A transaction bank server 12 of the company A bank upon receipt of a transfer instruction of the fee.

  The settlement information stored in the company A settlement server 6 (the company A management system 6a) can be accessed and confirmed from the company A trust bank server 10 and the store transaction bank server 11. In addition, if the store 13 'determines that the amount transferred to the store bank is less than the transfer amount, the store 13' can directly inquire to the company A management system 6a, and later receives an additional transfer of the shortage. be able to.

  It is possible to use a regular bank account instead of the A bank trust bank account 10a, but if the account funds can be managed relatively freely at the discretion of A bank, transfers may be delayed or fees may be increased for convenience. The risk of taking is also considered. For this reason, adopting a trust bank in which the deposited funds are reliably preserved and managed makes it a system that can be operated with confidence for each store.

  In the settlement system 1, a series of company A trust bank in Japan is assuredly delivered to the store bank account 11a when the money transferred from the company B bank bank account 9a in China is stored in the company trust bank account 10a. The work of is commissioned.

  The payment amount of the shopping finally transferred to the store bank account 11a is the company A managing the settlement in Japan and the company B managing the settlement in China (for example, a total of about 3% in total) It becomes the amount of money. However, due to the settlement in yen, there is no exchange fee or exchange loss at each store.

  Lastly, to supplement the company A management system, the store server 13 of the store (affiliated store) 13 ′ accesses the settlement information cloud-managed in the company A transaction statement database 6b of the company A management system using the Internet It is possible. The settlement information includes information such as sales by store, sales by terminal, transaction history, product management, etc. The store 13 ′ can browse the settlement information performed in its own store. In this way, each store can use it to grasp the consumption trend of customers visiting from overseas and to set up a sales strategy.

  Next, with reference to FIG. 5, the flow of information regarding the refund processing of the settlement system 1 will be described. Here, each process ((1) to (11) in the figure) related to the information handled in the refund process will be described.

(1) Receipt presentation The customer presents the receipt 5 on which the QR code is printed, which is passed from the clerk at the time of settlement of shopping. Refund processing is also possible by the transaction number printed on the receipt 5.

(2) Acquisition of Transaction Number from QR Code The clerk activates the store-side payment application, and selects “Refund” from the initial screen (see FIG. 1A). Furthermore, using the camera of the store settlement terminal 2, the QR code printed on the receipt 5 is read. Thereby, the shop settlement terminal 2 acquires the transaction number of shopping, and the settlement process is specified. If the receipt 5 is not present, the clerk inputs the transaction number remaining in the shopping history of the mobile terminal 3 of the customer to the store settlement terminal 2.

(3) Refund request processing 1
The store settlement terminal 2 transmits the transaction number, the refund processing number, and the terminal number of the portable terminal 3 used at the time of shopping to the A company settlement server 6. These pieces of information are stored in the database of the A company payment server 6.

(4) Refund request processing 2
The company A settlement server 6 transmits the refund amount (yen) to the company B settlement server 7 in addition to the transaction number and the refund processing number transmitted from the shop settlement terminal 2. These pieces of information are stored across the border in the database of the B company settlement server 7.

(5) Authentication process The company B settlement server 7 acquires a nominee, a trading bank name, an account number, and a refund amount (original) as transaction information from the transaction number. In addition, the B company settlement server 7 confirms the balance (account information) in the bank account.

(6) Refund request processing 3
The B company settlement server 7 transmits the account information and the refund amount (original) to the B company transaction bank server 9.

(7) Refund Process The B company transaction bank server 9 carries out a refund process. Specifically, after the B company transaction bank server 9 notifies the customer transaction bank server 8 of the refund, the refund amount is returned from the B company transaction bank account 9a to the customer transaction bank account 8a. The information on the refund result is stored in the database of the B company settlement server 7.

(8) Refund result notification 1
The B company settlement server 7 transmits the result of the current refund processing to the portable terminal 3 of the customer and notifies it. Thereby, the refund result display is performed on the screen of the portable terminal 3. However, this is a notification that the repayment processing has been successfully completed, and it will take several days for the refund amount to be returned to the client bank account 8a.

(9) Refund result notification 2
The B company settlement server 7 transmits the current refund result to the A company settlement server 6, and notifies it. In addition, the information on the refund result is stored across the border in the database of A payment server 6.

(10) Refund Return Process The company A settlement server 6 transmits the result of this repayment to the shop settlement terminal 2. Thereby, the repayment result display is performed on the screen of the shop settlement terminal 2.

(11) Refund Information Printing Process The clerk uses the store settlement terminal 2 to print a statement of the current refund with the printer 4. Thus, the series of refund processing by the settlement system 1 is completed.

  As described above, the settlement system 1 includes the company A settlement server 6 for acquiring shopping information on shopping performed by the customer in the first country from the shop settlement terminal 2 and the company B settlement server 7 for acquiring the shopping information. It has a customer transaction bank server 8 of a customer transaction bank, which acquires the shopping information and performs settlement processing of the shopping. The B company settlement server 7 acquires settlement information from the customer transaction bank server 8 and transmits the settlement information to the portable terminal 3 of the customer. In the mobile terminal 3, since payment information in the currency of the second country can be displayed when payment by the payment processing is normally performed, the customer can shop safely and easily overseas.

  The above description is an embodiment of the present invention, and various other embodiments can be considered. The first and second countries may be any country. For example, if the first country is Japan and the second country is the United States, the language displayed on the portable terminal 3 is in English and money is displayed in dollars.

  The store settlement terminal 2 may have various functions. For example, in the process of using the store settlement terminal 2, the phrase of the foreign language corresponding to "settlement has been completed." Audio may be output at the end of each process. In addition, if the equivalent amount of the currency of the second country is displayed when the customer inputs the amount (yen) of the product to be purchased, the shop settlement terminal 2 becomes a more convenient tool for the customer.

  Although the QR code has been described as an example of the authentication code of the payment system 1, a two-dimensional code other than the QR code or a (one-dimensional) barcode may be used. Further, although the settlement method has been described in the case of the immediate settlement (debit settlement system), a normal credit card such as VISA (registered trademark) or MasterCard (registered trademark) may be used. In the case of the normal credit settlement, the amount of money to be withdrawn is displayed on the screen of the portable terminal 3 when the settlement processing is completed.

1 Settlement system 2 Store settlement terminal 3 Mobile terminal (for customer)
4 Printer 5 Receipt 6 Company A payment server (1st country server)
6a Company A Management System 6b Company A Transaction Detail Database (First Country Database)
7 B company settlement server (second country server)
7a Company B Management System 7b Company B Transaction Detail Database 8 Customer Trading Bank Server 8a Customer Trading Bank Account 9 Company B Trading Bank Server (Second Country Management Company Trading Bank Server)
9a B company bank account 10 A company trust bank server (1st country bank server)
10a Company A trust bank account 11 store transaction bank server 11a store transaction bank account 12 company A transaction bank server 12a company A transaction bank account (first country management company transaction bank server)
13 store servers 13 'stores

Claims (6)

The first country is a payment system that allows customers visiting from a second country with a different currency to shop using the mobile terminal in the first country,
A store that can read an authentication code, which is in each store in the first country and which the mobile terminal outputs , at least information on a bank account of a customer transaction bank with which the customer trades , and can input a payment amount in the shopping A payment terminal,
A first country server for acquiring shopping information including the authentication code and the payment amount from the shop settlement terminal;
A second country server for acquiring the shopping information from the first country server;
Performs the settlement process of the shopping to get the shopping information from the second country server, has a, and customer transaction bank server of the customer transaction bank,
The first country server encrypts the authentication code and communicates with the second country server.
The second country server acquires settlement information for the result of the settlement processing from the customer transaction bank server, and transmits the settlement information to at least the mobile terminal.
A payment system characterized in that the portable terminal can display payment information in the currency of the second country when payment by the payment processing is normally made.
In the settlement system according to claim 1,
A second country management company trading bank server of a second country management company trading bank with which a management company of the second country trades, which receives a payment instruction of settlement in the currency of the second country from the customer trading bank server;
A bank in the first country, which receives a deposit instruction in the currency of the first country from the bank server of the second country management company after the exchange rate is converted from the currency of the second country to the currency of the first country First country bank server,
A first country management company trading bank server of a first country management company trading bank with which the first country management company trades;
Having a store bank server of a store bank with which a shop where shopping is performed,
The first country server instructs the first country bank server to remit payment to the first country management company transaction bank server and the store transaction bank server,
A payment system characterized in that, when the first country bank server receives the remittance instruction from the first country server, the first country bank server transfers money to the first country management company bank and the store bank. In the settlement system according to claim 2,
All payment information is stored in the first country database of the first country server,
A settlement system characterized in that the shop server of each shop in the first country can access the settlement information performed in its own shop among the settlement information stored in the first country database. In the settlement system according to any one of claims 1 to 3,
A settlement system characterized in that store information of each store in the first country is notified to a mobile terminal of each customer via a social network system. In the settlement system according to any one of claims 1 to 4,
It has a printer connected to the store settlement terminal and capable of printing a receipt for shopping;
An identification code for obtaining a transaction number of shopping is printed on the receipt.
A payment system characterized in that a refund process can be performed by reading a printed identification code and specifying a payment process of shopping with the store payment terminal. In the settlement system according to any one of claims 1 to 5,
A payment system characterized in that when the language of the second country is different from the language of the first country, the processing using the shop settlement terminal can be displayed in both languages.