JP6510693B1 - Payment agent system, payment agent method, terminal device, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable card payment at non-member shops without burdening non-member shops. A payment agent system that substitutes payment for payment from a first card member to a non-card member store who is a second card member, and performs card settlement as a payment system for a card member store From the first terminal used by the first card member, the identification information for identifying the payment is transmitted to the second terminal in response to a request from the payment means and the second terminal used by the second card member When the payment request including the identification information is received, payment processing for the second card member is executed, and the card settlement means performs card settlement of the sum of the charge and the predetermined fee with the card of the first card member A payment agent system is provided. [Selected figure] Figure 14

Description

  The present invention relates to a payment agent system, a payment agent method, a terminal device, and a program.

  Stores that are members of a credit card brand (hereinafter referred to as a member store) can make a card payment using the brand's credit card. Therefore, the cardholder can improve the convenience by increasing the number of affiliated stores that can use the credit card owned by the cardholder. However, the number of affiliated stores is difficult to increase due to the burden of the fee charged on affiliated stores according to the use of the card payment.

  As a method of reducing the fee burden, a payment system has been proposed which displays an advertisement on an e-commerce store site and offsets the above fee with advertisement revenue. In this settlement system, a seller registers a product on the settlement system side, guides an end user to a product purchase page generated on the settlement system side, and executes card settlement on the settlement system side on behalf of the seller.

JP, 2014-225217, A

  In the above payment system, card payment is performed on the payment system side, so that in principle, sellers who are not members of a brand (hereinafter referred to as non-member stores) can use card payment. However, when this settlement system is applied, the cost for constructing and operating a system that cooperates with the settlement system and the cost for registering a product are large burdens. Moreover, in this settlement system, application to a seller who takes a sales form other than electronic commerce is not assumed.

  In view of the above-mentioned circumstances, in order to improve the convenience of card members, in addition to realizing a mechanism in which non-affiliated stores can use card payment, a device for reducing the cost required to realize the mechanism is required. In addition, it is required to devise a mechanism that can be easily introduced to non-member shops that adopt any sales form.

  According to one aspect of the present invention, it is an object of the present invention to provide a payment agent system, payment agent method, terminal device, and program that enables non-member stores to pay cards without burdening the members. is there.

  According to one aspect of the present invention, there is provided a payment agent system for making payment for payment from a first card member to a non-card member store who is a second card member, the card as a payment system for card members. The card payment means for performing payment and identification information for identifying payment in response to a request from the second terminal used by the second card member are transmitted to the second terminal and used by the first card member When a payment request including identification information is received from the first terminal, payment processing for the second card member is executed, and the total amount of the payment and the predetermined fee is calculated by the card settlement means as the first card member A payment agent system is provided, which comprises:

  It is possible to enable card payment at non-member stores without burdening non-member stores.

BRIEF DESCRIPTION OF THE DRAWINGS It is explanatory drawing which showed an example of the system configuration containing the card payment system which concerns on 1st Embodiment, a user terminal, a non-member shop terminal, and a bank system. It is an explanatory view for explaining a payment agent method concerning a 1st embodiment. It is the block diagram which showed the example of hardware constitutions of the information processing apparatus which can implement | achieve the function of the card payment system which concerns on 1st Embodiment, a non-member shop terminal, and a user terminal. It is a block diagram showing an example of a function which a card payment system concerning a 1st embodiment has. It is a figure showing an example of member information concerning a 1st embodiment. It is a figure showing an example of the attestation information concerning the 1st embodiment, billing address information, and payment address information. It is the block diagram which showed an example of the function which the user terminal which concerns on 1st Embodiment has. It is the block diagram which showed an example of the function which the non-member shop terminal which concerns on 1st Embodiment has. It is the sequence diagram which showed the flow of the processing which a card payment system, a non-member shop terminal, and a user terminal perform, when realizing the payment agency method concerning a 1st embodiment. It is a 1st flowchart which showed the flow of the process which the user terminal which concerns on 1st Embodiment performs. It is the 2nd flow figure showing the flow of the processing which the user terminal concerning a 1st embodiment performs. It is the flowchart which showed the flow of the processing which the card settlement system concerning a 1st embodiment performs. It is the flow figure which showed the flow of the processing about a proof check among the processing which the card payment system concerning a 1st embodiment performs. It is an explanatory view for explaining a payment agent method concerning a 2nd embodiment. It is the sequence diagram which showed the flow of the processing which a card payment system, a non-member shop terminal, and a user terminal perform, when realizing the payment agency method concerning a 2nd embodiment. It is a block diagram showing an example of a function which a card payment system concerning a 2nd embodiment has. It is a figure showing an example of deposit and withdrawal management information (stock information, history information) concerning a 2nd embodiment. It is the block diagram which showed an example of the function which the non-member shop terminal which concerns on 2nd Embodiment has. It is the flowchart which showed the flow of the process which the non-affiliated shop terminal which concerns on 2nd Embodiment performs. It is the flowchart which showed the flow of the process which the user terminal which concerns on 2nd Embodiment performs. It is the 1st flow figure showing the flow of the processing which the card payment system concerning a 2nd embodiment performs. It is a 2nd flow figure showing the flow of the processing which the card settlement system concerning a 2nd embodiment performs. It is a block diagram showing an example of a card payment system and a payment agent system according to a modification of the second embodiment.

  Embodiments of the present disclosure will be described below with reference to the attached drawings. In the present specification and drawings, elements having substantially the same function may be omitted to avoid redundant description by attaching the same reference numerals.

<1. First embodiment>
A first embodiment according to the present invention will be described. The first embodiment relates to a card payment system having a card payment function of a member store, and in particular, to a mechanism for enabling card payment to be used even at a non-member store which has not made a contract with the card payment system.

  Hereinafter, a configuration example of the system according to the first embodiment, a payment agent method, a hardware configuration example and functions of each element included in the system, and a process flow in the system will be described in order.

[1-1. System configuration example]
First, a configuration example of a system according to the first embodiment will be described with reference to FIG. FIG. 1 is an explanatory view showing an example of a system configuration including a card payment system, a user terminal, a non-affiliated store terminal, and a bank system according to the first embodiment.

  As shown in FIG. 1, the system according to the first embodiment includes a card payment system 101, a user terminal 102, a non-member shop terminal 103, and a bank system 104.

  In the example of FIG. 1, the card payment system 101, the user terminal 102, and the non-member shop terminal 103 are connected via the network 50 for convenience of explanation. However, in the first embodiment, the card payment system 101 and the non-member shop terminal 103 may not be connected. The network 50 is, for example, a wired and / or wireless communication network such as a LAN (Local Area Network) or a WAN (Wide Area Network).

  The card payment system 101 is, for example, a computer system having one or more computers such as a server device, a workstation, and a mainframe. The card payment system 101 is connected to the bank system 104. The card payment system 101 and the bank system 104 are connected using, for example, a dedicated communication line or a communication network such as the network 50.

  The card payment system 101 has a function as a member store having a member store contract with a credit card brand (hereinafter referred to as a member store function). The settlement terminal installed in the member store sends card information such as the amount of money used and a credit card number to the settlement system of the credit card company to request card settlement. The merchant function includes the functions of such a payment terminal. However, here, the case where the card payment system 101 further includes a function as a payment system of a credit card company and can execute card payment will be described.

  In addition, the card payment system 101 controls an application program (hereinafter referred to as an application) used by a card member. For example, the card payment system 101 restricts access to a card member who tries to access using an application according to the result of member authentication. In addition, the card payment system 101 controls the restriction of services that can be used by the logged-in card member via the application and the display of the application.

  In addition, although the example which accesses the card payment system 101 via an application for convenience of explanation is shown below, you may enable it to be able to access the card payment system 101 using other access means, such as a web browser. . In this case, the functions provided via the app are provided via other access means. Also, the card payment system 101 may be accessible by both the application and other access means.

  The user terminal 102 is, for example, a computer such as a smartphone, a mobile phone, a PC (Personal Computer), or a tablet terminal. In the example of FIG. 1, the case where the card member uses the user terminal 102 will be described for convenience of explanation. An application for accessing the card payment system 101 is installed in the user terminal 102. However, when accessing the card payment system 101 using other access means, the application may not be installed on the user terminal 102.

  The non-member shop terminal 103 is, for example, a computer such as a smart phone, a mobile phone, a PC (Personal Computer), a tablet terminal, a server device, and a POS (Point Of Sales) system. In the example of FIG. 1, the case where a non-member shop (staff, manager, etc.) uses the non-member shop terminal 103 will be described for convenience of explanation. For example, at least one of the display DSP and the printer PRT is connected to the non-member shop terminal 103.

  The banking system 104 is a system managed by a bank. The bank system 104 provides functions such as, for example, transfer and transfer (including withdrawal). In the following, for convenience of explanation, it is assumed that the bank system 104 can execute processing such as transfer in accordance with a request procedure from the card settlement system 101.

  The system configuration example has been described above. The system configuration shown in FIG. 1 is merely an example, and can be variously modified according to the embodiment. For example, the card payment system 101 may be divided into a plurality of systems according to main functions, or the function of the user terminal 102 may be mounted on an ATM (Automated Teller Machine) or the like.

[1-2. Payment agency method]
Next, the payment agent method according to the first embodiment will be described with reference to FIG. FIG. 2 is an explanatory diagram for describing the payment agent method according to the first embodiment.

  As shown in FIG. 2, in the payment agent method according to the first embodiment, for example, a card member generates a sale contract / service provision contract 61 with a non-affiliated store (S1); The card payment system 101 substitutes for payment to non-member shops. When using the payment by the card settlement system 101, the cardholder concludes a service use contract 62 with the card settlement system 101 side.

  If there is a service use contract 62, the card payment system 101 transfers the price to the bank account of the non-member store (S2a) in response to a request from the card member (S2a), and pays the payment by the card payment by the credit card of the card member. Receive (S2b). At this time, the card payment system 101 charges the card member a predetermined fee together with the payment. The non-member shop, upon being notified that the procedures for the transfer (S2a) and the card settlement (S2b) are completed, provides goods / services to the card member (S3).

  If the payment agent method according to the first embodiment is applied, the card payment system 101 executes the card payment, so that the cardholder can substantially pay for the non-member shop with a credit card. Non-member shops can receive payment only if they have a bank account without making a special contract with the card payment system 101 side. In addition, predetermined fees, including fees charged at the time of card payment, are charged to the cardholder. Therefore, card payment can be used at non-member stores without extra burden.

  Heretofore, the payment agent method according to the first embodiment has been described. Hereinafter, the card settlement system 101, the user terminal 102, and the non-member shop terminal 103 capable of realizing the payment agent method illustrated in FIG. 2 will be further described.

[1-3. Hardware configuration example]
The hardware capable of realizing the functions of the card payment system 101, the user terminal 102, and the non-affiliated store terminal 103 will be described with reference to FIG.

  FIG. 3 is a block diagram showing an example of the hardware configuration of an information processing apparatus capable of realizing the functions of the card settlement system, the non-affiliated store terminal, and the user terminal according to the first embodiment. The information processing apparatus 70 illustrated in FIG. 3 is an example of hardware that can realize the functions of the card payment system 101, the user terminal 102, and the non-affiliated store terminal 103.

  As illustrated in FIG. 3, the information processing device 70 includes a processor 71, a memory 72, a display IF (Interface) 73, a communication IF 74, and a connection IF 75.

  The processor 71 is, for example, a central processing unit (CPU), a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), or the like. The memory 72 is, for example, a storage device such as a read only memory (ROM), a random access memory (RAM), a hard disk drive (HDD), a solid state drive (SSD), or a flash memory.

  The display IF 73 is an interface for connecting a display device (not shown) such as an LCD (Liquid Crystal Display) or an ELD (Electro-Luminescence Display). For example, the display IF 73 performs display control using a GPU (Graphic Processing Unit) mounted on the processor 71 or the display IF 73.

  The communication IF 74 is an interface for connecting to a wired and / or wireless network. The communication IF 74 is connected to, for example, a wired LAN, a wireless LAN, an optical communication network, a mobile phone network, a dedicated line, or the like.

  The connection IF 75 is an interface for connecting an external device. The connection IF 75 is, for example, a Universal Serial Bus (USB) port, an IEEE 1394 port, a Small Computer System Interface (SCSI), or the like.

  For example, an input interface (not shown) such as a keyboard, a mouse, a touch panel, and a touch pad may be connected to the connection IF 75. In addition, an external device (not shown) such as a printer or a camera may be connected to the connection IF 75. Also, a portable recording medium 76 can be connected to the connection IF 75. The recording medium 76 is, for example, a magnetic recording medium, an optical disc, a magneto-optical disc, a semiconductor memory, or the like.

  The processor 71 reads a computer program stored in the recording medium 76, stores the read computer program in the memory 72, and controls the operation of the information processing apparatus 70 according to the computer program read from the memory 72. The functions implemented by the information processing device 70 may be implemented using a computer program. The computer program may be stored in advance in the memory 72 or may be downloaded from the network via the communication IF 74.

  The hardware of the information processing apparatus 70 has been described above.

[1-4. Card payment system function]
Next, the function of the card payment system 101 will be described with reference to FIG. FIG. 4 is a block diagram showing an example of functions of the card payment system according to the first embodiment. The card payment system 101 shown in FIG. 4 is an example of a card payment system according to the first embodiment.

  As shown in FIG. 4, the card settlement system 101 has a payment substitution means 111, a card settlement means 112, and a storage means 113. The functions of the payment substitution means 111 and the card settlement means 112 can be realized by the processor 71 described above. The function of the storage means 113 can be realized by the memory 72 described above.

  The payment agent means 111 has a bank transfer function 111a, a member store function 111b, and a confirmation check function 111c.

  The bank transfer function 111a accesses the bank system 104 to execute processing for transferring the payment to the bank account of the non-member shop (hereinafter, transfer processing; see, eg, S2a in FIG. 2). The member store function 111b operates as a member store payment system (hereinafter referred to as a member store system), and performs processing for making card payment of fees and commissions with a credit card of a card member (hereinafter referred to as card payment processing; Execute S2b).

  The confirmation check function 111 c checks information (for example, confirmation information 113 b described later) which gives confirmation of the sales contract / service provision contract 61. When it is determined that the check is OK by the confirmation check function 111c, the above-described transfer process and card settlement process are executed.

  The card payment unit 112 has a member authentication function 112a, an application control function 112b, and a card payment function 112c.

  When the member authentication function 112a receives an access request from the user terminal 102, the member authentication function 112a carries out the member authentication of the card member based on the login information included in the access request. The login information includes, for example, information such as a card member login ID, a credit card number (hereinafter, card number), and a password. When the member authentication is successful, the member authentication function 112 a permits access from the user terminal 102 as access by the card member.

  The application control function 112b is installed in the user terminal 102, and implements control (display control, input restriction, etc.) of an application that a card member uses for access. For example, the application control function 112 b controls the selection item displayed on the screen of the application according to the contract content of the card member. When accepting access by another access means such as a web browser, the application control function 112b executes control on the other access means as in the case of the application.

  The card payment function 112c operates as a payment system of a credit card company (hereinafter referred to as a card company system), and in response to a card payment request from the affiliated store system or payment agent means 111, credit card information included in the card payment request. Perform card payment based on. The credit card information includes a card number and an expiration date.

  The storage means 113 stores member information 113a, confirmation information 113b, payee information 113c, and billing address information 113d.

  The membership information 113a includes information on a card member. For example, the member information 113a includes information as shown in FIG. FIG. 5 is a diagram showing an example of member information according to the first embodiment. In the example of FIG. 5, the member information 113a is divided into two databases (A) and (B) for convenience of explanation, but the structure of the database storing the member information 113a is not limited to this.

  As shown in FIG. 5 (see the database (A)), the membership information 113a includes, for example, information on a credit card holder, a card number, and an expiration date. Further, the member information 113a includes information on a payment agent service use contract (service use contract 62). For a card member having a service usage contract 62 as in the example of FIG. 2, “member contract” is described in the member information 113a.

  Further, the member information 113a includes information (refer to the database (B)) of a bank account (hereinafter referred to as a withdrawal account) used for withdrawal of the credit card use amount. The information on the withdrawal account includes, for example, information on an account holder, a bank name, a branch name, and an account number. In the example of FIG. 5, databases (A) and (B) are linked by withdrawal account ID. In addition, the member information 113a shown in FIG. 5 is an example, some information may be abbreviate | omitted and another information may be added.

  Refer again to FIG. The confirmation information 113 b is information that gives confirmation of the sales contract / service provision contract 61. As the confirmation information 113b, for example, there is a bill issued by a non-member shop when a card member purchases at a non-member shop. As will be described later, the confirmation information 113b is information generated by a non-member shop, but is information provided from the user terminal 102 of the card member to the card settlement system 101.

  A document or the like in which the non-affiliated store has entered information in accordance with the format provided by the card settlement system 101 may also be the verification information 113 b. For example, it is possible to apply a mechanism in which the card settlement system 101 publishes the document format on the Internet, and a non-member shop downloads the document format at the non-member shop terminal 103 and enters necessary items.

  The issuance of invoices and the entry of documents can be easily performed manually or by using a non-member shop terminal 103. Therefore, there is no big burden on non-member shops when applying the above-mentioned system.

  The payee information 113c is information on a transfer destination (non-member shop in the example of FIG. 2) of the payment by the payment agent service. The billing address information 113 d is information on a billing address and a fee billing address (a card member in the example of FIG. 2) by the payment agent service.

  The confirmation information 113b, the billing address information 113d, and the payee information 113c are stored in the storage unit 113 in association with one another as shown in FIG. FIG. 6 is a diagram showing an example of confirmation information, billing address information, and payment address information according to the first embodiment.

  FIG. 6 exemplifies the case where the verification information 113 b is image data of a bill (hereinafter referred to as bill image). As shown in FIG. 6A, the confirmation information 113b, the billing address information 113d, and the payment address information 113c are linked by, for example, a payment agent ID. The payment agent ID is identification information provided for each use of the payment agent service.

  In the example of FIG. 6, the payee information 113c includes information on the account holder of the non-member shop to which the money is to be transferred and the bank account. The billing address information 113 d includes information on the card holder's credit card holder and the card number of the billing card. As described later, the payee information 113c and the billing address information 113d are provided from the user terminal 102 of the card member to the card payment system 101.

  The invoice image shown in FIG. 6B is an example of the confirmation information 113b, and information on non-member shops (for example, company name, shop name, representative name, etc.), bill amount, payment deadline, payment details ( Includes item-by-item details, etc., account information of the transferee, etc. As will be described later, the bill image is generated, for example, by the card member imaging a bill issued by a non-member shop with the user terminal 102, and transmitted to the card settlement system 101.

  The function of the card settlement system 101 has been described above.

[1-5. Function of User Terminal]
Next, the functions of the user terminal 102 will be described with reference to FIG. FIG. 7 is a block diagram showing an example of functions of the user terminal according to the first embodiment. The user terminal 102 illustrated in FIG. 7 is an example of the user terminal according to the first embodiment.

  As shown in FIG. 7, the user terminal 102 includes a storage unit 121, an imaging unit 122, a control unit 123, a display unit 124, and an input unit 125.

  The function of the storage unit 121 can be realized, for example, by the memory 72 described above. The function of the imaging means 122 can be realized by the camera and the processor 71 connected to the connection IF 75 described above. The function of the control means 123 can be realized by the processor 71 described above. The function of the display means 124 can be realized by the processor 71 and the display IF 73 described above. The function of the input means 125 can be realized by an input interface connected to the connection IF 75 described above.

  The storage unit 121 stores an application 121 a and member information 121 b. The application 121 a is an application program used to access the card payment system 101. The member information 121 b is information such as a login ID and a card number of a card member who uses the user terminal 102. The member information 121b may be stored in advance in the storage unit 121, or may be stored in the storage unit 121 when input to the application 121a.

  The imaging unit 122 images a subject according to the control of the control unit 123, and generates image data of the subject. For example, the imaging unit 122 captures a bill image with a bill issued by a non-member shop as a subject. Further, the imaging unit 122 images a QR code displayed on the bill and the display DSP of the non-member shop terminal 103, and reads information included in the QR code. A scheme may be adopted in which a QR code including information on a transfer destination is posted at the non-affiliated store's shop, and the QR code is read by the user terminal 102.

  The control unit 123 reads the application 121a from the storage unit 121, and executes the read application 121a. For example, the control unit 123 causes the display unit 124 to display the login screen of the application 121a, and prompts the card member to input a password or the like. At this time, the control unit 123 may read the member information 121 b from the storage unit 121 and automatically display information such as a login ID in the input field of the login screen.

  When a login operation is performed via the input unit 125, the control unit 123 transmits, to the card payment system 101, an access request including login information such as a password and a login ID input on the login screen. When the member authentication is successful, the control means 123 displays a portal screen of the application 121a. The portal screen displays, for example, items of available services via the application 121a.

  When the item of the payment agent service is selected through the input unit 125, the control unit 123 displays an input screen for the payment agent service as shown in FIG. 7A and urges the cardholder to make an input. The input screen shown in FIG. 7A is an example, and the types of items to be displayed, the arrangement of input fields, and the like can be variously modified.

  In the example of FIG. 7 (A), the payment amount (payment amount), payment method (the number of payments, credit card payment), the name of the credit card and the credit limit (current credit limit) , Continuous payment) is displayed.

  When using revolving payment, the cardholder checks the check box under "repayment". In the case of using continuous payment, in which a fixed amount of payment is regularly performed each month, the cardholder checks the check box under “Continuous payment” and enters the monthly payment date in the input field. For example, when using a payment agent service for payment such as rent and monthly compensation, the card member enters in the "Continuous payment" field.

  On the input screen shown in FIG. 7A, a field for inputting information on the payee is displayed. In this example, a bank name, a branch name, an account type (regular, ordinary), an account number, and a nominee are displayed as input fields for the transfer destination. Further, an input field for designating an execution date (transfer date) of transfer by the payment agent service is displayed.

  In addition, about the input of a transfer place, it may be made to be automatically read from the bill image which the non-member shop issued, or at least one part information (for example, a name person or an account) using QR code etc. The number may be read automatically. For example, as in the bill illustrated in FIG. 6B, if the QR code including the information of the transfer destination is printed on the bill, the card member can easily input the information of the transfer destination. In addition, as a method of presenting a QR code to a card member, for example, a method of posting it at a non-member store's shop can be applied.

  Further, a card payment amount is displayed on the input screen of FIG. 7 (A). This card settlement amount is an amount obtained by adding a predetermined fee to the price paid to the non-affiliated store by the payment agent service, and is the amount collected from the card member by card settlement. The control means 123 calculates a fee (for example, 2 to 5% of the price) according to the price, and displays the total amount of the calculated fee and the price as a card settlement amount.

  In the input screen shown in FIG. 7A, the object described as “send” is a button object for transmitting the content of the input screen to the card payment system 101. The object described as "shooting" is a button object for calling an imaging function (imaging means 122) of the user terminal 102 in order to image a bill and generate a bill image. The object described as “reading” is a button object for calling an imaging function (imaging unit 122) of the user terminal 102 to read a QR code.

  For example, the card member presses the “shoot” button to call the imaging function, and images a bill to generate a bill image. When the generation of the invoice image is completed, the file name of the invoice image ("BL1000101.jpg" in the example of FIG. 7A) is displayed on the input screen. The file format of the invoice image is arbitrary. For example, BMP format or GIF format may be used. When the "send" button is pressed, the control means 123 transmits the input information and the bill image to the card payment system 101.

  The functions of the user terminal 102 have been described above.

[1-6. Function of non-member shop terminal]
Next, the function of the non-affiliated store terminal 103 will be described with reference to FIG. FIG. 8 is a block diagram showing an example of functions of the non-affiliated store terminal according to the first embodiment. The non-member shop terminal 103 shown in FIG. 8 is an example of the non-member shop terminal according to the first embodiment.

  As shown in FIG. 8, the non-affiliated store terminal 103 has a storage unit 131, an input unit 132, and an output unit 133. The function of the storage unit 131 can be realized by the memory 72 described above. The function of the input means 132 can be realized by an input interface connected to the connection IF 75 described above. The function of the output means 133 can be realized by the connection IF 75 and the processor 71 described above.

  The storage means 131 stores fixed form information 131a and store information 131b. The fixed form information 131a is information on the format of a document such as a bill. For example, when the format of the original document of the verification information 113b described above is disclosed by the card payment system 101, the non-member shop downloads the format using the non-member shop terminal 103 and stores it as the fixed form information 131a. It may be stored in the means 131.

  The store information 131 b is information on non-member stores. For example, the store information 131b includes information on a bank account that can be used as a transfer destination by the payment agent service, and information on non-affiliated stores described in the bill (for example, company name, shop name, representative name, etc.) . Further, the store information 131 b may include information of a QR code.

  The input means 132 is used for the operation of the non-member shop terminal 103 and the input of information. The output means 133 implements control for outputting information to the display DSP and the printer PRT. For example, the output means 133 displays document data such as a bill on the display DSP based on the fixed form information 131a. In addition, the output unit 133 controls the printer PRT to print a document on which information such as a transfer destination is input.

  As described above, the non-member shop terminal 103 is a terminal used by a non-member shop to issue a document such as a bill that is the source of the verification information 113 b described above. However, documents such as invoices can also be created manually. Therefore, the non-member shop can use the payment agent service of the first embodiment without using the non-member shop terminal 103 described above.

  The function of the non-affiliated store terminal 103 has been described above.

[1-7. Processing flow]
Next, the flow of processing mainly executed by the card settlement system 101 and the user terminal 102 will be described. Here, for convenience of explanation, the explanation will be made on the premise that a non-member shop issues a bill using the non-member shop terminal 103.

(Overall processing sequence)
First, an overall processing sequence of a system including the card settlement system 101 and the user terminal 102 will be described with reference to FIG. FIG. 9 is a sequence diagram showing a flow of processing executed by the card settlement system, a non-member shop terminal, and a user terminal when realizing the payment agent method according to the first embodiment.

  In the example of FIG. 9, the description will be made on the assumption that the application 121a has already been activated on the user terminal 102 and the card authentication of the card member has succeeded in the card settlement system 101.

  (S101) When the sales contract / service provision contract 61 is concluded between the card member and the non-member shop, the non-member shop issues a bill using the non-member shop terminal 103.

  For example, the non-member shop terminal 103 prints a bill in which information (such as company name) about a non-member shop indicated by the shop information 131b or a QR code is written in the format of the bill indicated by the fixed form information 131a. Do. Here, the explanation will be made on the premise that a QR code including account information on a non-member store bank account is printed on a bill. Note that the QR code may be posted, for example, at the non-affiliated storefront.

  (S102) When the cardholder selects the item of payment agent service from the portal screen of the application 121a, the user terminal 102 pays a confirmation request for confirming the presence or absence of the service use contract 62 via the application 121a. Send to system 101.

  (S103) In response to the confirmation request, the card settlement system 101 specifies the record of the member information 113a corresponding to the card member from the information (card number etc.) of the card member specified at the time of login. Then, the card settlement system 101 confirms the presence or absence of the service use contract 62 based on the contents of the identified record. In this example, since there is a service use contract 62, the card settlement system 101 responds to the user terminal 102 as "Contracted".

  (S104) The user terminal 102 changes the display screen of the application 121a to an input screen for payment agent service (see FIG. 7A) in response to the response of “with contract”. Then, the user terminal 102 receives an input on the input screen. Here, information on the method of payment and card payment is input by the card member.

  (S105) When the “photograph” button object is pressed, the user terminal 102 activates the image pickup function (image pickup means 122), and generates a message prompting photographing of a bill that confirms the sales contract / service provision contract 61. indicate. After the photographing operation by the card member, the user terminal 102 generates a bill image and displays the file name of the bill image on the input screen.

  (S106) When the “read” button object is pressed, the user terminal 102 activates the imaging function (imaging unit 122) and displays a message prompting imaging of the QR code. After the photographing operation by the card member, the user terminal 102 reads account information and the like of the non-affiliated store from the QR code, and displays the read account information and the like in the input field of the input screen.

  When the card member manually inputs information on the transfer destination such as account information, the processing of S106 can be omitted.

  (S107) When the "send" button object is pressed, the user terminal 102 transmits a payment request including the information input in the input field of the input screen and the bill image to the card settlement system 101. In addition, when the amount of money exceeding the credit limit of the credit card is input or there is an input omission, the user terminal 102 may display a message prompting re-input.

  (S108) The card settlement system 101 receives a payment request transmitted from the user terminal 102, and from the payment request, a payment (hereinafter referred to as a payment amount) paid by a card member using a payment agent service, a method of card settlement, The information on the payee, the bill image, etc. are extracted.

  (S109) The card settlement system 101 checks whether the payment amount exceeds the credit limit of the credit card. At this time, the card settlement system 101 may confirm the existence of a bank account as a transfer destination. The card payment system 101 permits the start of the process after S110 when the check is OK. On the other hand, in the case of the check NG, the card payment system 101 notifies the user terminal 102 that an error has occurred.

  (S110) The card settlement system 101 executes a check of the invoice as confirmation of the sales contract / service provision contract 61 based on the invoice image included in the payment request. For example, a verifier on the side of the card payment system 101 visually checks the bill, automatically performs the check using the card payment system 101, or a combination of both.

  For example, the card settlement system 101 reads the payment amount and information on the transfer destination (e.g., account number) described in the invoice from the invoice image, and matches the information on the payment amount and transfer destination included in the payment request. Determine if

  When the two match, the card payment system 101 determines that the check is OK. If the two do not match, the card settlement system 101 displays a bill image on the display device of the terminal used by the verifier, and urges a visual check. In this case, when the verifier inputs that the check is OK, the card payment system 101 determines that the check is OK.

  In the case of the check OK, the card settlement system 101 permits the start of the process after S111. On the other hand, in the case of the check NG, the card payment system 101 notifies the user terminal 102 that an error has occurred.

  (S111) The card settlement system 101 calculates the fee according to the payment amount, and calculates the total amount of the calculated fee and the payment amount. The fee is set, for example, to an amount corresponding to a predetermined percentage (for example, 2 to 5%) of the payment amount. The card settlement system 101 carries out processing (card settlement processing) for collecting the total amount by card settlement using a credit card of a card member. The withdrawal of the payment amount is executed on the designated withdrawal date.

  (S112) The card settlement system 101 executes a process (transfer process) for transferring the payment amount to the bank account of the non-member shop based on the information on the transfer destination included in the payment request. If the transfer date is specified, the payment amount will be transferred on the specified transfer date. On the other hand, when the transfer date is not specified, for example, the payment amount is transferred on the nearest day on which the transfer can be performed.

  The order of the processes of S111 and S112 may be reversed. When the card settlement process and the transfer process are completed, the card settlement system 101 issues a payment agent ID for use of the payment agent service this time. The payment agent ID is issued for each use of the payment agent service so that the individual sales contract / service provision contract 61 can be identified.

  The card settlement system 101 transmits a completion notification including the payment agent ID issued this time to the user terminal 102, and notifies that the payment to the non-member shop has been completed.

  (S113) Upon receiving the completion notification from the card payment system 101, the user terminal 102 displays that the payment has been completed on the display screen of the application 121a. Further, the user terminal 102 displays the payment agent ID included in the completion notification on the display screen, and also displays a message prompting to present the payment agent ID to the non-member shop.

  The card member presents the display of the user terminal 102 to the non-member shop, and notifies the non-member shop that payment has been completed and the payment agent ID. The payment agent ID is managed by the card payment system 101. For example, when the card settlement system 101 presents a payment agent ID and receives an information disclosure request, the card settlement system 101 can refer to the status of the card settlement process and the transfer process, and the bill image.

  As described above, when the system of the first embodiment is applied, non-member shops can receive payment using card settlement substantially only by issuing a bill. In addition, since the bill image can be referred to using the payment agent ID, both the non-member shop and the card member can check whether the target is the sales contract / service provision contract 61 intended for processing. Further, since the card settlement system 101 can also confirm the sales contract / service provision contract 61, unauthorized use of the payment agent service can be checked in advance and / or after.

(Process flow of user terminal)
Here, the flow of processing performed by the user terminal 102 in the above processing sequence will be described in more detail with reference to FIGS. 10 and 11. FIG. 10 is a first flowchart showing the flow of processing performed by the user terminal according to the first embodiment. FIG. 11 is a second flowchart showing the flow of processing performed by the user terminal according to the first embodiment.

  (S121) The card member activates the application 121a using the input means 125. When the activation operation of the application 121a is performed, the control unit 123 executes the application 121a read from the storage unit 121, and displays a login screen for logging in to the card payment system 101 on the display unit 124.

  When login information such as a login ID and a password is input, the control means 123 transmits an access request including the login information to the card payment system 101, and requests execution of member authentication. The control unit 123 may obtain at least a part of the login information from the member information 121 b in the storage unit 121.

  The control means 123 receives the result of member authentication from the card payment system 101. In this example, the explanation will be made on the premise that the member authentication is successful. If the member authentication is successful, the control means 123 may receive, from the card payment system 101, information on the credit limit of the credit card together with the result of the member authentication.

  (S122) The control means 123 displays the portal screen of the application 121a. On the portal screen, items for selecting functions of various services including a payment agent service are displayed. For example, items of various services are displayed in the form of a button object or a pull-down menu. When using the payment agent service, the card member selects the item of the payment agent service. The control means 123 receives the selection by the card member.

  (S123) The control means 123 transmits to the card settlement system 101 a confirmation request for confirming whether the card member has concluded a contract for using the payment agent service (service utilization contract 62).

  (S124) The control means 123 receives the notification of the confirmation result transmitted from the card settlement system 101 in response to the confirmation request. The control means 123 determines whether or not there is a valid service use contract 62 based on this notification.

  For example, if there is no service usage contract 62 or if the contract period has already ended, the control means 123 receives a notification that "the contract is not present". In this case, the control means 123 determines that there is no valid usage contract. On the other hand, when the notification indicating that the contract is present is received, the control means 123 determines that there is a valid usage contract.

  If there is a valid usage contract, the process proceeds to S128. On the other hand, if there is no valid usage contract, the process proceeds to S125.

  (S125) The control means 123 causes the display means 124 to display a screen for contract procedure for performing the procedure of the service use contract 62 (hereinafter referred to as contract procedure). In addition, the method of displaying a button object for displaying the screen for contract procedure together with a message prompting the contract procedure without directly displaying the screen for contract procedure is displayed on the screen of the application 121a, and the site for contract procedure is accessed. A method of displaying a link for making a decision can also be applied.

  (S126) The control means 123 confirms the status of the contract procedure by the card member, and determines whether the contract procedure has been completed. For example, the contract procedure is completed when the card payment system 101 is accessed through the application 121a from the screen for contract procedure and the cardholder agrees with the agreement such as the contract clause and the service fee.

  When the control means 123 receives the notification that the contract procedure has been completed from the card settlement system 101, it determines that the contract procedure has been completed. On the other hand, when the notification that the contract procedure has failed is received from the card settlement system 101, or when the card member transitions from the screen for contract procedure to the portal screen of the application 121a, the control means 123 has not completed the contract procedure. It is determined that the process has ended.

  If the contract procedure is completed, the process proceeds to S128. On the other hand, if the contract procedure is ended without completion, the process proceeds to S127.

  (S127) The control means 123 displays a message indicating that the payment agent service can not be used on the screen of the application 121a, and notifies the card member that the payment agent service can not be used. When the process of S127 is completed, the process proceeds to S139.

  (S128) The control means 123 displays a message instructing the input of the payment amount and the settlement method on the screen of the application 121a, and accepts the input by the card member.

  (S129) When the “photograph” button object is pressed, the control means 123 activates the imaging function (imaging means 122) of the user terminal 102, and displays a message instructing a photographing operation of a bill on the screen of the application 121a. indicate. The imaging unit 122 generates image data of a subject (bill) according to a photographing operation by the card member.

  (S130) The control means 123 displays on the screen of the application 121a a message instructing the input of payment information or the photographing of the QR code (reading of the QR code).

  When the “read” button object is pressed, the control unit 123 activates the imaging function (imaging unit 122) of the user terminal 102, and displays a message instructing shooting of the QR code. The imaging unit 122 captures a QR code in response to a shooting operation by the card member, and reads the QR code information (in this example, payee information).

  (S131) In response to the transmission operation of pressing the "send" button object, the control means 123 confirms an input omission. When there is unentered information, the control means 123 displays a message instructing the input of the unentered information on the screen of the application 121a. At this time, the control means 123 may check whether the payment amount has exceeded the credit limit of the card.

  (S132) The control means 123 transmits to the card settlement system 101 a payment request including a bill image, a payment amount, a settlement method (the number of payments, repayment, continuous payment, etc.) and payee information. When the process of S132 is completed, the process proceeds to S133.

  (S133) The control unit 123 receives the completion notification or the rejection notification transmitted from the card settlement system 101. The completion notification is a notification indicating that the processing of payment by the payment agent service is completed, and includes a payment agent ID. On the other hand, the refusal notification is an error notification indicating that processing of payment by the payment agent service has failed.

  (S134) The control means 123 determines whether the notification received from the card settlement system 101 is a completion notification. If the received notification is a completion notification, the process proceeds to S136. On the other hand, if the received notification is not a completion notification (if it is a rejection notification), the process proceeds to S135.

  (S135) The control means 123 acquires the refusal reason from the refusal notification. Reasons for refusal include, for example, the fact that the amount of payment exceeds the credit limit of the card, that the confirmation check of the invoice has failed, and that the transferee can not be identified from the payee information. The control means 123 displays the failure of the procedure for the payment agent service and the rejection reason on the screen of the application 121a. When the process of S135 is completed, the process proceeds to S139.

  (S136) The control means 123 acquires the payment agent ID from the completion notification.

  (S137) The control means 123 displays on the screen of the application 121a that the payment procedure by the payment agent service is completed and the payment agent ID, and additionally displays a message prompting the display contents to be presented to the non-member shop .

  (S138) The control means 123 inputs a payment agent ID, information on a procedure status confirmation site (URL (Uniform Resource Locator), etc.) that can check the invoice image and the status of the procedure (the status of card payment processing and transfer processing) Display the QR code including). The control unit 123 may display a search keyword that can specify the procedure status confirmation site or the URL itself on the screen of the application 121a.

  (S139) The control means 123 displays the portal screen of the application 121a. When the process of S139 is completed, the series of processes shown in FIGS. 10 and 11 end.

  As described above, the bill image that is the proof of the sales contract / service provision contract 61 is generated using the imaging function (imaging means 122) of the user terminal 102 and transmitted to the card settlement system 101. As such, non-member stores do not require special equipment to provide the card payment system 101 with confirmation.

  In addition, since information can be input using the QR code, the burden on input and input errors can be reduced. In the example of FIG. 10, even if there is no valid service use contract 62, the card member can immediately perform the contract procedure with the application 121a, thereby reducing the procedure burden.

(Process flow of card payment system)
Next, the flow of processing executed by the card settlement system 101 in the processing sequence described above will be described in more detail with reference to FIG. FIG. 12 is a flowchart showing the flow of processing executed by the card settlement system according to the first embodiment.

  (S141) The card settlement unit 112 receives the login information transmitted from the user terminal 102. Then, the card settlement unit 112 performs member authentication based on the login information and the member information 113a, and transmits the result of member authentication to the user terminal 102. In this example, the explanation will be made on the premise that the member authentication is successful.

  (S142) The payment agent means 111 receives, from the user terminal 102, a confirmation request for a use contract (service use contract 62) related to the payment agent service. Then, the payment agent means 111 specifies the record of the corresponding card member from the member information 113a, and refers to the "service use contract" field of the specified record.

  (S143) The payment agent means 111 determines whether or not there is a service use contract 62.

  When the record specified in S142 states “Contracted”, the payment agent means 111 determines that the service use contract 62 exists. On the other hand, when the record specified in S142 states “no contract”, the payment agent means 111 determines that the service use contract 62 does not exist. If there is a service use contract 62, the process proceeds to S145. On the other hand, if there is no service use contract 62, the process proceeds to S144.

  (S144) The payment agent means 111 notifies the user terminal 102 that there is no service use contract 62 as a response to the confirmation request. When the process of S144 is completed, the series of processes shown in FIG.

  (S145) The payment agent means 111 notifies the user terminal 102 that there is a service use contract 62 as a response to the confirmation request. Then, the payment agent means 111 waits for a payment request from the user terminal 102. At this time, after responding to the confirmation request, the payment agent means 111 waits for the payment request for a predetermined period.

  (S146) The payment agent means 111 determines whether a payment request has been received from the user terminal 102. If a payment request has been received, the process proceeds to S147. On the other hand, when the payment request is not received even after the predetermined period has elapsed, the process proceeds to S153.

  (S147) The payment agent means 111 acquires information on the payment amount included in the payment request, and determines whether the payment amount is smaller than the credit card use amount limit. If the payment amount is less than the credit limit, the process proceeds to S148. On the other hand, if the payment amount is not smaller than the credit limit, the process proceeds to S153. The processing may be changed to proceed to S148 when the payment amount is equal to the usage limit amount.

  (S148) Based on the invoice image included in the payment request, the payment agent means 111 executes a check (confirmation check) of an invoice giving the confirmation of the sales contract / service provision contract 61. An example of the confirmation check will be described later. The payment agent means 111 determines whether the confirmation check is successful (check OK). If the check is OK, the process proceeds to S149. On the other hand, if the check is not OK, the process proceeds to S153.

  (S149) The payment agent means 111 issues a payment agent ID for identifying the use of the payment agent service in the current sales contract / service provision contract 61.

  (S150) The payment agent means 111 executes a transfer process for transferring the payment amount to the bank account of the non-member shop based on the payee information included in the payment request. At this time, the payment agent means 111 accesses the bank system 104 and executes the procedure for transferring the payment amount to the bank account of the non-member shop in the name of the card member on the designated transfer date.

  (S151) The payment agent means 111 calculates the fee according to the payment amount, and calculates the total amount of the calculated fee and the payment amount. Further, the payment agent means 111 cooperates with the card settlement means 112 to execute a card settlement process for carrying out card settlement of the calculated total amount based on the settlement method included in the payment request.

  (S152) The payment agent means 111 transmits a completion notification including the payment agent ID to the user terminal 102. When the process of S152 is completed, the series of processes shown in FIG.

  (S153) The payment agent means 111 transmits a refusal notification including the refusal reason to the user terminal 102.

  For example, if the payment request is not received at S146, the rejection notification includes a rejection reason indicating a timeout. If the payment amount is not smaller than the usage limit amount in S147, the refusal notification includes a rejection reason indicating that the payment amount is exceeded. If the validation check is not successful in S148, the rejection reason includes a rejection reason indicating that the validation check has failed.

  When the process of S153 is completed, the series of processes shown in FIG.

  As described above, when the system of the first embodiment is applied, the card settlement system 101 confirms the confirmation of the sales contract / service provision contract 61 based on the information transmitted from the user terminal 102 via the application 121a. Various checks are performed including processing of payment including card settlement according to the check result. In addition, since the fee associated with the card payment is collected from the card member who enjoys the convenience of the payment agent service, it contributes to the reduction of the burden on non-member shops.

  Here, with reference to FIG. 13, the process of the above-mentioned confirmation check will be described in more detail. FIG. 13 is a flow diagram showing a flow of processing related to a confirmation check among the processing executed by the card payment system according to the first embodiment. The contents of the process shown in FIG. 13 are only an example, and some of the processes may be omitted, or other check processes may be added.

  (S161) The payment agent means 111 reads the billed amount from the bill image. For example, the payment agent means 111 reads the billed amount using technology such as optical character recognition / reader (OCR). When the non-member shop uses a preset format, the position where the billing amount is written is known.

  (S162) The payment agent means 111 determines whether the read billing amount matches the payment amount included in the payment request. If the charged amount and the paid amount match, the process proceeds to S163. On the other hand, if the billed amount and the paid amount do not match, or if the billed amount can not be read correctly from the bill image, the process proceeds to S166.

  (S163) The payment agent means 111 reads the payee information from the bill image. For example, the payment agent means 111 reads paymentee information using a technique such as OCR. In addition, when the QR code of payee information is described in the bill, the payment agent means 111 may read the payee information from the QR code. The information read by the payment agent means 111 may be only part of the payee information (for example, the account number).

  (S164) The payment agent means 111 determines whether the account number of the payee information included in the payment request matches the account number read from the bill image. If the two account numbers match, the process proceeds to S165. On the other hand, if the two account numbers do not match, the process proceeds to S166.

  In this example, although the account number is used for checking among the payee information, other information included in the payee information may be used for checking. In addition, the payment agent means 111 accesses the bank system 104 at this point, and the account number contained in the payee information actually exists, or the account holder corresponding to the account number is the account holder of the payee information You may check if it matches.

  (S165) The payment agent means 111 determines that the confirmation check is OK. When the process of S165 is completed, the series of processes shown in FIG.

  (S166) The payment agent means 111 displays a message prompting the verification by the verifier together with the bill image on the terminal of the verifier, and waits for the input of the verification result by the verifier. The payment agent means 111 may transmit the message and the bill image to the verifier by means of e-mail or the like.

  (S167) The payment agent means 111 determines whether or not the verifier has determined that the check is OK, according to the content input by the verifier. If the verifier determines that the check is OK, the process proceeds to S168. On the other hand, if the verifier does not determine that the check is OK, the process proceeds to S169.

  (S168) The payment agent means 111 determines that the confirmation check is a check OK. When the process of S168 is completed, the series of processes shown in FIG.

  (S169) The payment agent means 111 determines that the confirmation check is a check NG (check failure). When the process of S169 is completed, the series of processes shown in FIG.

  As described above, the burden of proof check can be reduced by performing the proof check based on the information read from the bill image. In addition, even if the verification image fails due to a bad reading of the invoice image, etc., the verifier can save the error, so errors in the verification check reduce the chances of card members and non-members starting over from the beginning. Contribute to reducing the burden on non-member stores.

  The first embodiment according to the present invention has been described above.

<2. Second embodiment>
Next, a second embodiment according to the present invention will be described. The second embodiment relates to a card payment system having a card payment function of a member store, and in particular, when the non-member store is a card member, the above-described payment agent does not use a bill issued by the non-member store. It relates to the mechanism that enables the service to be realized.

  In the following description, the constituent elements according to the first embodiment already described are denoted by the same reference numerals, and redundant description will be omitted, and only differences from the constituent elements according to the second embodiment will be described. There is a case.

  For example, the mechanism according to the second embodiment can be applied to the system configuration illustrated in FIG. 1, and thus the description of the system configuration example will be omitted. Similarly, the hardware configuration of the card settlement system 101, the user terminal 102, and the non-member shop terminal 103 will not be described. However, in the second embodiment, the non-member shop terminal 103 is connected to the network 50 and can access the card settlement system 101.

[2-1. Payment agency method]
First, the payment agent method according to the second embodiment will be described with reference to FIG. FIG. 14 is an explanatory diagram for describing a payment agent method according to the second embodiment.

  As shown in FIG. 14, the main difference between the payment substitution method according to the first embodiment shown in FIG. 2 and the payment substitution method according to the second embodiment is that the non-member shop is a card member. is there. In the second embodiment, a sales contract / service provision contract 61 is concluded with a non-member shop, and a card member who uses a payment agent service will be simply referred to as a "user".

  Since the non-member shop is a card member, the card payment system 101 holds information on the credit card of the non-member shop. Also, non-member shops can use the same application (application 131c described later) as the application 121a of the user terminal 102, and can access the card payment system 101 via the application 131c. In the second embodiment, this environment is utilized to use information different from the bill image as confirmation of the sales contract / service provision contract 61.

  Further, since the non-member shop is a card member, it is possible to make payment from the card settlement system 101 to the non-member shop by a method other than bank transfer.

  For example, card remittance for remittance from one card member to the other card member can be used as a payment agent service. In addition, by deducting the payment amount of the payment agent service from the withdrawal amount when debiting the card use amount used by non-member shops, or by returning a part of the withdrawal amount (the amount corresponding to the payment amount) to the withdrawal account A system for making a substantial payment can also be applied.

  As described above, in the second embodiment, information different from the bill image is used as confirmation of the sales contract / service provision contract 61, and payment to non-member shops can be executed by methods other than account transfer. Are different from the first embodiment. It should be noted that payment for non-member shops can be made by bank transfer, and furthermore, the mechanisms of the first and second embodiments can be combined.

  Here, the overall processing sequence of the system according to the second embodiment will be described with reference to FIG. FIG. 15 is a sequence diagram showing a flow of processing executed by the card settlement system, the non-affiliated store terminal, and the user terminal when realizing the payment agent method according to the second embodiment.

  In the example of FIG. 15, the application 121a has already been activated on the user terminal 102, the application 131c has already been activated on the non-member shop terminal 103, and member authentication of the user and the non-member shop has succeeded in the card payment system 101. The explanation is based on the assumption that

  (S201) When the non-affiliated store selects the payment agent service item as the requester from the portal screen of the application 131c, the non-affiliated store terminal 103 inputs the billing amount and the payment method on the screen of the application 131c. Display the input screen. As a payment method, for example, there are bank transfer and card remittance. The card remittance will be described later.

  (S202) When the non-member shop inputs the billed amount and the payment method, the non-member shop terminal 103 generates a payment request A including the billed amount and the payment method.

  (S203) The non-affiliated store terminal 103 transmits the payment request A to the card settlement system 101, requests issuance of a key used for generation of key information to be a proof of the sales contract / service provision contract 61, and pays the billed amount. Request.

  (S204) When the payment request A is received from the non-affiliated store terminal 103, the card payment system 101 issues a payment ID for identifying the present payment request A. In addition, the card settlement system 101 generates a key used to generate key information based on the payment ID, the card number of the non-affiliated store, and the issuance date and time of the payment ID. In this example, a hash value generated from a payment ID, a card number, and an issue date is used as a key. The card settlement system 101 transmits the generated key (hash value) to the non-member shop terminal 103.

  (S205) The non-member shop terminal 103 generates key information including the key (hash value) received from the card settlement system 101 and the card number of the non-member shop. Then, the non-affiliated store terminal 103 provides the generated key information to the user.

  For example, the non-member shop terminal 103 generates a QR code from the key information, displays the generated QR code on the display DSP, or prints the QR code by the printer PRT and presents it to the user. The user can easily acquire key information by reading the QR code using the imaging function (imaging unit 122) of the user terminal 102.

  In addition, as a method of providing key information from the non-member shop terminal 103 to the user terminal 102, for example, a method using the network 50, a method using non-contact communication, a method using a recording medium other than the QR code Etc. are applicable. In this example, the non-member shop terminal 103 generates the QR code from the key information, but the card payment system 101 generates the QR code and transmits the image data of the QR code to the non-member shop terminal 103. You may

  (S206, S207) When the user selects the payment substitution service item as the payment side from the portal screen of the application 121a, the user terminal 102 confirms the presence or absence of the service use contract 62 via the application 121a. To the card settlement system 101. As in the first embodiment, the card settlement system 101 transmits the confirmation result to the user terminal 102 in response to the confirmation request. In this example, the card payment system 101 responds with "Contracted".

  (S208) The user terminal 102 receives the response from the card payment system 101, changes the screen of the application 121a to an input screen for payment agent service, and receives an input on the input screen. Here, the user inputs the payment amount and the settlement method (the number of payments, repayment, continuous payment, etc.).

  (S209) The user inputs key information provided from the non-member shop terminal 103 to the user terminal 102. When the key information is provided as a QR code, the user uses the imaging function (imaging unit 122) of the user terminal 102 to read the QR code. Then, the user terminal 102 generates a payment request B including the payment amount and the settlement method input by the user and the key information.

  (S210) The user terminal 102 transmits the payment request B to the card settlement system 101, and requests payment by the payment agent service.

  (S211) The card settlement system 101 receives the payment request A transmitted from the non-affiliated store terminal 103 and the payment request B transmitted from the user terminal 102. The card settlement system 101 may refuse acceptance if the payment request B can not be received even if a predetermined period (for example, 30 minutes) has elapsed since the payment request A was received.

  (S212) The card settlement system 101 determines the allowance or rejection of the payment based on the two payment requests A and B. For example, the card settlement system 101 determines whether the hash value transmitted as a key to the non-affiliated store terminal 103 matches the hash value included in the payment request B. If the two hash values match, the card payment system 101 permits processing of the payment by the payment agent service. In the case of non-coincidence, the card settlement system 101 permits or does not process the payment by the payment agent service.

  (S213, S214, S215) As in the first embodiment, the card settlement system 101 compares the credit card's credit limit and the payment amount and checks that the payment amount is less than the credit limit ((S213, S214, S215) Check the amount). Then, the card settlement system 101 executes a process for payment to a non-affiliated store (hereinafter referred to as payment process) and a card settlement process using a credit card of the user. The payment process will be described later.

  (S216, S217) The card settlement system 101 transmits, to the non-membership terminal 103 and the user terminal 102, a completion notification indicating that the payment processing and the card settlement processing have been completed. If any error occurs, the same refusal notification as in the first embodiment is transmitted to the non-member shop terminal 103 and the user terminal 102.

  (S218, S219) The non-member shop terminal 103 displays a message that the payment procedure has been completed and the payment agent ID on the screen of the application 131c. Similarly, the user terminal 102 displays a message that the payment procedure has been completed and a payment agent ID on the screen of the application 121a.

  As described above, in the second embodiment, instead of using the bill image as confirmation of the sales contract / service provision contract 61, the key based on the payment ID issued by the card payment system 101 is used. Although the card settlement system 101 generates the key in the example of FIG. 15, the non-member shop terminal 103 may generate the key and provide the key to the card settlement system 101.

  In the case of applying the structure of the second embodiment, as in the first embodiment, non-affiliated stores can substantially perform card settlement without entering a membership contract with a credit card brand. In addition, if there is a commercially available computer on which the application 131 c operates, the non-affiliated store can use the payment agent service, and can use the payment agent service at a low installation cost.

[2-2. Card payment system function]
Here, with reference to FIG. 16, the function of the card payment system 101 will be described focusing on differences from the card payment system 101 shown in FIG. 4. FIG. 16 is a block diagram showing an example of functions of the card payment system according to the second embodiment.

  As shown in FIG. 16, in the second embodiment, the card settlement system 101 includes a card remittance unit 114 in addition to the payment agent unit 111, the card settlement unit 112, and the storage unit 113. The function of the card remittance unit 114 can be realized by the processor 71 described above.

  In the storage means 113, stock information 113e and history information 113f are stored in addition to the member information 113a, the payee information 113c and the billing address information 113d.

  The stock information 113e and the history information 113f are an example of deposit and withdrawal management information for managing payment (withdrawal) to non-affiliated stores in the payment agent service and collection (payment) of the payment amount by card settlement.

  The stock information 113e and the history information 113f have, for example, contents as shown in FIG. FIG. 17 is a diagram showing an example of deposit and withdrawal management information (stock information, history information) according to the second embodiment.

  In the example of FIG. 17, the stock information 113 e includes information on a credit card holder, a card number, a prepayment amount, and a shortfall on the expected card settlement.

  The advance payment amount is, for example, the total amount of money received by card remittance and the amount of money prepaid by a card member for card remittance. The shortfall card settlement scheduled amount is the shortfall amount scheduled to be settled by card settlement when the remittance amount of the card remittance is larger than the prepayment amount. Since the settlement of the shortfall is also card settlement, it is possible to make the number of payments multiple times and to use the repayment.

  The history information 113f includes information on payment ID, remittance card number, remittance card number, remittance amount, remittance date, deposit, and withdrawal.

  The payment ID issued in response to the payment request A is recorded in the payment ID column. In association with this payment ID, the card number of the user is recorded in the remittance source card number field, and the card number of the non-member shop is recorded in the remittance card number field. The payment amount is recorded in the remittance amount column, and the remittance date and time is recorded in the remittance date and time column.

  The remittance from the user to the non-affiliated store is completed when the card payment process (payment) by the user's credit card and the increase process to the non-affiliated store prepayment amount (disbursed) are completed. When payment is completed, "Done" is recorded in the payment column. When withdrawal is completed, "Done" is recorded in the withdrawal column.

  When card remittance is selected for payment to a non-member store, completion dates and times of card settlement processing (payment) and increase processing (disbursement) are recorded in the remittance date and time column. When the account transfer is selected for payment to a non-member store, the date and time of completion of the card settlement process (payment) and the transfer process (payment) are recorded in the remittance date and time field.

  Refer to FIG. 17 again. The main functions possessed by the payment agent means 111 and the card payment means 112 are the same as those of the card payment system 101 shown in FIG. However, the payment agent means 111 is additionally provided with functions of issuing a payment ID, generating a hash value as a key, and checking the hash value.

  When the card remittance is selected as the payment method, the card remittance means 114 performs remittance using the deposit and withdrawal management information. In the case of card remittance, since the transfer fee does not occur, the fee paid by the user can be reduced.

  For example, in the case of a system in which the prepayment amount is transferred to the account collectively on a predetermined date, the total amount of the transfer fee can be reduced compared to the case where the transfer fee is paid every time there is payment by the payment agent service. . In addition, when debiting the card amount used by the non-member shop from the account, the advance payment amount is deducted from the withdrawal amount, and the payment of the substantial advance payment amount leads to a further reduction of the transfer fee.

  The functions of the card settlement system 101 in the second embodiment have been described above.

[2-3. Function of non-member shop terminal]
Next, with reference to FIG. 18, functions of the non-member shop terminal 103 will be described focusing on differences from the non-member shop terminal 103 shown in FIG. 8. FIG. 18 is a block diagram showing an example of functions of the non-affiliated store terminal according to the second embodiment.

  As shown in FIG. 18, in the second embodiment, in addition to the storage unit 131, the input unit 132, and the output unit 133, a control unit 134 is explicitly described in the non-member shop terminal 103. The function of the control means 134 can be realized by the processor 71 described above.

  In the storage means 131, besides the fixed form information 131a and the shop information 131b, the application 131c and the member information 131d are stored.

  The application 131 c is an application program used to access the card payment system 101, which is the same as the application 121 a executed on the user terminal 102. The member information 131 d is information such as a login ID and a card number of a non-member shop using the non-member shop terminal 103. The member information 131 d may be stored in advance in the storage unit 131 or may be stored in the storage unit 131 when input to the application 131 c.

  The control unit 134 reads the application 131 c from the storage unit 131 and executes the read application 131 c. For example, the control unit 131 causes the display DSP to display the login screen of the application 131c, and prompts the non-member shop to input a password or the like. At this time, the control unit 134 may read the member information 131 d from the storage unit 131 and automatically display information such as a login ID in the input field of the login screen.

  Similar to the control means 123 of the user terminal 102, the control means 134 implements member authentication, screen display of the application 131c, and the like. When the item of the payment agent service is selected from the portal screen of the application 131c, the control means 134 displays a selection object for selecting whether the billing side or the payment side. The non-member shop is the billing side, so the billing side is selected.

  When the billing side is selected, the control means 134 displays an input screen for inputting information such as the billing amount and payment method (use of account transfer or card remittance). Further, the control means 134 generates the payment request A, issues the key issuance request, and provides the key information, and implements the display of the procedure completion and the display of the payment agent ID according to the reception of the completion notification.

  As a method of providing key information, for example, a method of displaying a QR code including key information on a display DSP, a method of printing the QR code by a printer PRT and passing it to a user, communication means such as noncontact communication A method of transmitting key information itself to the user terminal 102 using the

  The function of the non-affiliated store terminal 103 in the second embodiment has been described above.

(About user terminal 102)
The main functions of the user terminal 102 are the same as in the first embodiment. However, when the item of the payment agent service is selected from the portal screen of the application 121a, the control means 123 of the user terminal 102 displays a selection object for selecting whether the billing side or the payment side. The payment side is selected because the user is the payment side. When the payment side is selected, the control means 123 displays an input screen (see FIG. 7) for inputting a payment amount, a settlement method, etc., as in the first embodiment.

[2-4. Processing flow]
Next, the flow of processing performed by the non-affiliated store terminal 103, the user terminal 102, and the card settlement system 101 in the second embodiment will be further described.

(Process flow of non-affiliated store terminal)
First, the flow of processing performed by the non-affiliated store terminal 103 will be described with reference to FIG. FIG. 19 is a flow diagram showing a flow of processing performed by the non-affiliated store terminal according to the second embodiment.

  (S221) The non-affiliated store activates the application 131c using the input means 132. When the activation operation of the application 131c is performed, the control unit 134 executes the application 131c read from the storage unit 131, and displays a login screen for logging in to the card payment system 101 on the display DSP.

  When login information such as a login ID and a password is input, the control means 134 transmits an access request including the login information to the card payment system 101, and requests execution of member authentication. The control means 134 may obtain at least a part of the login information from the member information 131 d in the storage means 131. The control means 134 receives the result of member authentication from the card payment system 101. In this example, the explanation will be made on the premise that the member authentication is successful.

  (S222) The control means 134 displays the portal screen of the application 131c. On the portal screen, items for selecting functions of various services including a payment agent service are displayed. When using the payment agent service, the non-affiliated store selects the item of the payment agent service. When the item of payment agent service is selected, the control means 134 displays a selection object for selecting a billing party or a payment party. The non-member shop selects the billing party from the selection object.

  (S223) The control means 134 displays an input screen for inputting a bill amount and a payment method. In this example, direct debit and card remittance can be selected as the payment method. In addition, account transfer and card remittance are examples, and it may be made to be able to choose other payment methods.

  (S224) The control means 134 generates a payment request A including a bill amount and a payment method, and transmits the payment request A to the card settlement system 101 as a request for issuing a key payment ID. In this example, a hash value generated based on information including the payment ID (for example, payment ID, card number, date and time of issuance of payment ID) is used as a key. The control means 134 acquires the hash value transmitted from the card payment system 101 as a response to the payment request A.

  (S225) The control means 134 generates key information including the card number of the non-member shop and the hash value obtained from the card payment system 101. Further, the control means 134 displays the QR code of the key information on the display DSP or prints it by the printer PRT. The control means 134 may transmit key information to the user terminal 102 using communication means such as non-contact communication. Further, the control means 134 may acquire and display or print the QR code of the key information generated by the card settlement system 101.

  (S226) The control means 134 determines whether or not the completion notification has been received within a predetermined time from the transmission of the payment request A. For example, if the completion notice is not received (timeout) or a rejection notice is received from the payment request A even if a predetermined time has elapsed, the control means 134 determines that the completion notice has not been received.

  If the completion notification can be received within a predetermined time, the process proceeds to S227. On the other hand, when the completion notification can not be received within a predetermined time, the control means 134 displays an error notification indicating that the procedure has failed, and advances the process to S228.

  (S227) The control means 134 displays on the display DSP that the procedure of the payment agent service has been completed and the payment agent ID included in the notification of completion. Further, the control means 134 stores the payment agent ID in the storage means 131.

  (S228) The control means 134 displays the portal screen of the application 131c on the display DSP. When the process of S228 is completed, the series of processes shown in FIG.

  As described above, the non-affiliated store terminal 103 in the second embodiment does not issue a bill as confirmation of the sales contract / service provision contract 61, but uses key information (hash value in this example) as confirmation. . Therefore, the non-member shop can proceed with the procedure by the application 131c, and the procedure can be further reduced.

(Process flow of user terminal)
Next, the flow of processing executed by the user terminal 102 will be described with reference to FIG. FIG. 20 is a flowchart showing the flow of processing performed by the user terminal according to the second embodiment.

  (S231, S232, S233) The processes of S231 and S232 are substantially the same as the processes of S121 and S122 of FIG. 10 (the first embodiment), and thus detailed description will be omitted. A different point is that when the user selects the payment agent service item from the portal screen of the application 121a, a selection object for selecting the billing side or the payment side is displayed, and the user selects the payment side. .

  As for the confirmation (S233) of the user's use contract regarding the payment agent service, the content of the process is the same as that of the first embodiment (S123-S127 in FIG. 10), so the confirmation is performed on the premise that there is a use contract. A detailed description of the process is omitted.

  (S234) The control means 123 displays an input screen on the display area of the application 121a together with a message instructing the input of the payment amount and the payment method (the number of payments, return payment, continuous payment, etc.), and receives the input by the user. .

  (S235) The control unit 123 activates the imaging function (imaging unit 122) of the user terminal 102, and displays a message instructing imaging of the QR code provided by the non-affiliated store. The imaging unit 122 captures a QR code in response to a shooting operation by the user, and reads key information included in the QR code.

  (S236) The control means 123 generates a payment request B including the payment amount, the settlement method, and the key information input from the input screen, and transmits the payment request B to the card settlement system 101. Further, the control unit 123 stores key information in the storage unit 121.

  In this example, the key information includes the hash value and the card number of the non-member shop. The hash value is generated, for example, based on the payment ID, the card number of the non-member shop, and the issuance date and time of the payment ID. In this case, the control means 123 acquires the payment ID and the issuance date and time of the payment ID from the card settlement system 101, calculates a hash value using the card number of the key information, and matches the hash value contained in the key information. By confirming, the legitimacy of the payee (non-member store) can be confirmed.

  Therefore, the control means 123 may execute the above process of confirming the match of the hash value before transmitting the payment request B, and may transmit the payment request B after confirming the match. The security can be enhanced by including such a confirmation system.

  (S237) The control means 123 determines whether or not the completion notification has been received within a predetermined time from the transmission of the payment request B. For example, if the completion notification is not received (timeout) or a rejection notification is received from the payment request B even if a predetermined time has elapsed, the control means 123 determines that the completion notification has not been received.

  If the completion notification can be received within a certain time, the process proceeds to S238. On the other hand, when the completion notification can not be received within a predetermined time, the control means 123 displays an error notification indicating that the procedure has failed, and advances the process to S239. In addition, the fixed time for the control means 123 to judge timeout is set to a sufficiently long time as compared with the fixed time for the non-affiliated store terminal 103 to judge timeout.

  (S238) The control means 123 displays on the display means 124 that the procedure of the payment agent service has been completed and the payment agent ID included in the notification of completion. Further, the control means 123 stores the payment agent ID in the storage means 121.

  (S239) The control means 123 displays the portal screen of the application 121a on the display means 124. When the process of S239 is completed, the series of processes shown in FIG.

  As described above, the user terminal 102 in the second embodiment acquires key information including a hash value from the non-member shop terminal 103 using the QR code. The hash value is generated from information including, for example, a payment ID for identifying a payment based on the sales contract / service provision contract 61 and a card number of a non-member shop to be paid.

  In addition, although the hash value is used in said example, you may use the information set which made the information of payment ID, a card number, etc. a group. That is, if the non-member store, the user, and the sales contract / service provision contract 61 can be linked using the payment ID, the structure of the second embodiment can be realized.

  According to the structure of the second embodiment, since the confirmation of the sales contract / service provision contract 61 between the user and the non-affiliated store can be obtained using the payment ID or the information based on the payment ID as a key, the user, non-member Both stores can complete the procedure with the app, which can reduce the time and effort of the procedure.

(Process flow of card payment system)
Next, the flow of processing executed by the card settlement system 101 will be described with reference to FIGS. 21 and 22. FIG. 21 is a first flowchart showing the flow of processing performed by the card settlement system according to the second embodiment. FIG. 22 is a second flowchart showing the flow of processing performed by the card settlement system according to the second embodiment.

  (S251, S252) The card settlement means 112 carries out member authentication for both the user and the non-member shop. Since the process of member authentication is the same as that of the first embodiment (S141 in FIG. 12), the detailed description will be omitted. In this example, the explanation will be made on the premise that the member authentication is successful. Further, the process of confirming the user's use contract regarding the payment agent service is also the same as that of the first embodiment (S142 to S145 in FIG. 12), and thus detailed description will be omitted. In this example, the explanation will be made on the assumption that there is a usage contract.

  (S253) The payment agent means 111 waits for the payment request A from the non-member shop terminal 103. When the payment request A is received, the payment agent means 111 issues a unique payment ID to be associated with the received payment request A, and advances the process to S254.

  (S254) The payment agent means 111 generates a hash value based on the issued payment ID, the card number of the non-member shop, and the date and time of issuance of the payment ID. However, the card number of the non-member shop is specified when the application 131 c logs in. A predetermined hash function is used to generate the hash value. The type of hash function that can be used is arbitrary.

  (S255) The payment agent means 111 transmits a hash value to the non-affiliated store terminal 103 as a response to the payment request A.

  (S256) The payment agent means 111 waits for the payment request B from the user terminal 102. When the payment request B is received, the payment agent means 111 associates the payment requests A, B based on the card number included in the payment request B, and advances the process to S 257.

  (S257) The payment agent means 111 determines whether the hash value transmitted to the non-affiliated store terminal 103 as a response to the payment request A matches the hash value included in the payment request B.

  If the hash values match, the process proceeds to S258. On the other hand, when the hash values do not match, the payment agent means 111 transmits a refusal notification indicating an error to the non-member shop terminal 103 and the user terminal 102, and ends the series of processes shown in FIGS. .

  (S258) The payment agent means 111 determines whether the payment amount indicated by the payment request B is within the usage credit limit of the user. If the payment amount is within the limit amount, the process proceeds to S259. On the other hand, if the payment amount is out of the range of the credit limit, the payment agent means 111 transmits a refusal notification indicating an error to the non-member shop terminal 103 and the user terminal 102, as shown in FIG. 21 and FIG. End the series of processing.

  (S259) The payment agent means 111 determines whether the billing amount indicated by the payment request A matches the payment amount indicated by the payment request B. If the charged amount and the paid amount match, the process proceeds to S260. On the other hand, when the billed amount and the paid amount do not match, the payment agent means 111 transmits a refusal notification indicating an error to the non-member shop terminal 103 and the user terminal 102, and a series of steps shown in FIGS. End the process.

  (S260) The payment agent means 111 adds a new record to the history information 113f, and the payment ID, remittance source card number (user's card number), remittance destination card number (non-membership card number), remittance amount Register (payment amount).

  (S261) The payment agent means 111 calculates the fee according to the payment amount, and calculates the total amount of the calculated fee and the payment amount. Further, the payment agent means 111 cooperates with the card settlement means 112 to execute a card settlement process for carrying out card settlement of the calculated total amount based on the settlement method included in the payment request.

  (S262) The payment agent means 111 performs payment completion registration (set the "payment" column to "done") for the record of the history information 113f newly added in S260.

  (S263) The payment agent means 111 determines whether the payment method indicated by the payment request A is card remittance. If the payment method is card remittance, the process proceeds to S264. On the other hand, if the payment method is not card remittance (in the case of account transfer), the process proceeds to S266.

  (S264) The card remittance unit 114 specifies the record of the stock information 113e corresponding to the card number of the non-member shop, and increases the advance payment amount in the specified record by the amount of the payment amount. In addition, the card remittance unit 114 updates the card payment estimated amount for shortfall when the need arises in accordance with the update of the advance payment amount.

  (S265) The payment agent means 111 performs withdrawal registration (sets the "withdrawal" field to "done") for the record of the history information 113f newly added in S260. When the process of S265 is completed, the process proceeds to S268.

  (S266) The payment agent means 111 accesses the bank system 104, and executes a transfer process for transferring the payment amount to the non-member shop account in the name of the user. In addition, as a transfer destination account, for example, a withdrawal account for debiting a card use amount of a non-member shop is used. When the transfer date is specified, the payment agent means 111 executes the transfer process so that the payment amount is transferred on the specified transfer date.

  However, when the non-member shop has registered the transfer destination account in advance for the payment agent service, the payment agent means 111 executes the above-described transfer process on the registered transfer destination account.

  (S267) The payment agent means 111 carries out withdrawal completion registration (sets the "withdrawal" field to "done") for the record of the history information 113f newly added in S260. Further, the payment agent means 111 records the date and time when both the paid-in registration and the paid-out registration have been completed as the remittance date in the history information 113 f.

  (S268) The payment agent means 111 issues a unique payment agent ID for identifying the procedure for which the processing for the above payment and withdrawal has been completed. Further, the payment agent means 111 links and manages the payment agent ID to the payee information 113c and the billing address information 113d.

  (S269) The payment agent means 111 transmits a completion notification including the payment agent ID to the user terminal 102 and the non-member shop terminal 103. When the process of S269 is completed, the series of processes shown in FIGS. 21 and 22 end.

  As described above, in the second embodiment, the non-member shop terminal 103 is provided with a hash value as a key in response to a request from the non-member shop, and the provided hash value and the hash value acquired from the user terminal 102 Match is confirmed. Also, the hash value is generated based on the payment ID issued for the payment generated by the sales contract / service provision contract 61. Therefore, the non-member shop, the user, and the sales contract / service provision contract 61 are linked by the hash value.

  In addition, since the non-member shop is a card member, it is possible to use a card remittance mechanism for remittance using a prepayment amount managed in association with a credit card. Further, since the information of the withdrawal account for deducting the card use amount can be used, even when using the account transfer, it is possible to save the trouble of the user inputting the information on the transfer destination account.

  Further, as a modification, a mechanism may be considered in which payment is substantially executed by subtracting the payment amount from the withdrawal amount of the non-member store. As another modification, instead of executing an account transfer each time payment is made, a payment amount for a fixed period may be accumulated, and the total amount may be transferred on a monthly basis. By applying such a scheme, the fee for using the payment agent service can be reduced.

[2-5. Modification of system configuration]
So far, the description has been made on the premise that the card payment system 101 includes the payment substitution means 111 and the card payment means 112. However, the payment agent means 111 which mainly executes the process for the payment agent service may be divided into the card payment means 112 which mainly performs the process for the card payment.

  For example, an operating form may be considered in which a credit card company operates a system corresponding to a card payment unit 112, and a service providing company providing a payment agent service operates a system corresponding to a payment agent unit 111.

  When dealing with the above-described operation mode, the card payment system 101 is divided into, for example, a card payment system 201 and a payment agent system 202 as shown in FIG. FIG. 23 is a block diagram showing an example of a card payment system and a payment agent system according to a modification of the second embodiment.

  As shown in FIG. 23, the card settlement system 201 includes a storage unit 211, a card settlement unit 212, and a card remittance unit 213. Here, the storage means 211 stores member information 211 a and stock information 211 b.

  The card payment means 212 corresponds to the card payment means 112 described above. The card remittance unit 213 corresponds to the card remittance unit 114 described above. The member information 211a corresponds to the member information 113a described above. The stock information 211 b corresponds to the stock information 113 e described above.

  The payment agent system 202 includes a storage unit 221 and a payment agent unit 222. Here, the storage unit 221 stores paymentee information 221a, billing address information 221b, and history information 221c.

  The payment agent means 222 corresponds to the payment agent means 111 described above. The payee information 221a corresponds to the payee information 113c described above. The billing address information 221 b corresponds to the billing address information 113 d described above. The history information 221c corresponds to the above-described history information 113f.

  As described above, the functions are distributed to the card payment system 201 and the payment agent system 202, and the two systems operate in cooperation to realize the same mechanism as the above-described card payment system 101. According to this modification, both systems can be operated by different operators or organizations. Such a modification also belongs to the technical scope of the second embodiment.

  The second embodiment according to the present invention has been described above.

<3. About the combination>
The mechanisms of the first and second embodiments described above can be combined. For example, on the portal screen of the application 121a, a selection object for selecting which mechanism is to be used may be displayed to allow the user or the non-member shop to select. Further, the system of the second embodiment may be added with the system of the first embodiment for transmitting the bill image issued by the non-member shop to the card payment system 101 and performing the confirmation check in the card payment system 101 . Such a combination contributes to, for example, suppression of unauthorized use.

  In addition, as a measure against unauthorized use, for example, a method of combining authentication technology called 3D secure can be applied. In addition, measures such as examining card members at the conclusion of a service use contract can also contribute to the suppression of unauthorized use. In addition, by setting the limit of payment by the payment agent service lower than the credit card credit limit, it is possible to reduce the damage caused by unauthorized use. Thus, a new mechanism may be added to the techniques of the first and second embodiments described above. Such modifications also belong to the technical scope of the embodiment according to the present invention.

  The preferred embodiments of the present invention have been described above with reference to the accompanying drawings, but the present invention is not limited to the examples disclosed herein. It is apparent that those skilled in the art can conceive of various modifications or alterations within the scope of the claims, and it is naturally understood that they are also considered to be within the technical scope of the present invention. Be done.

101, 201 card payment system 111, 222 payment agent means 112, 212 card payment means 113, 121, 131, 211, 221 storage means 114, 213 card remittance means 102 user terminal 122 imaging means 123, 134 control means 124 display means 125, 132 Input means 103 Non-member shop terminal 133 Output means 104 Banking system 202 Payment agency system

Claims (10)

A payment agent system that substitutes payment for the payment from a first card member to a non-card member store who is a second card member,
Card payment means for performing card payment as a payment system of card member stores,
The second card member conceals and transmits identification information for identifying the payment to only the second terminal in response to a request from a second terminal used by the second card member; When a payment request including the identification information is received from the terminal 1, the payment process for the charge to the second card member is executed, and the total amount of the charge and the predetermined fee is calculated by the card settlement means. A payment agent system comprising: a payment agent means for making a card payment with a first card member's card. The second card member further comprises storage means storing information of a bank account used for debiting the card use amount,
The payment agent means
The payment agent system according to claim 1, wherein when a bank transfer is selected as the method of payment, a process for transferring the charge to the bank account is executed as the payment process. The payment agent means
The payment agent system according to claim 2, wherein a process for transferring the payment in the name of the first card member is executed. The storage means
Stock information including a prepayment amount of the second card member, which is managed by being linked to the second card member's card, is further stored.
The payment agent means
The payment agent system according to claim 2 or 3, wherein when the remittance is selected as the method of payment, the advance payment amount is increased by the amount of the payment as the payment process. The payment agent means
A payment number for identifying the payment is issued in response to a request from the second terminal, and based on the card information of the second card member, the payment number, and the date and time when the payment number is issued. The payment agent system according to any one of claims 1 to 4, wherein a hash value is calculated and the hash value is transmitted as the identification information to the second terminal. A payment agent system that substitutes payment for the payment from a first card member to a non-card member store who is a second card member,
The second card member conceals and transmits identification information for identifying the payment to only the second terminal in response to a request from a second terminal used by the second card member; When the payment request including the identification information is received from the terminal 1, the payment process for the charge to the second card member is executed, and the card payment unit executes the card payment as the payment system of the card member store. A payment agent method for making a card settlement of the sum of a payment and a predetermined fee with the card of the first card member. As a payment system of card member stores, it is possible to execute card payment, and communicate with a payment agent system that substitutes payment from a first card member to a non-card member store who is a second card member, Terminal equipment used by cardholders of
Accepts input of identification information for identifying the payment, which is secretly transmitted from the payment agent system only to the other terminal device in response to a request from the other terminal device used by the second card member , Control means for generating a payment request including the received identification information,
According to the payment request, the control means executes payment processing of the charge to the second card member, and settles the sum of the charge and a predetermined fee with the card of the first card member. A terminal device that requests the payment agent system to execute settlement processing for As a payment system of card member stores, it is possible to execute card payment, and communicate with a payment agent system that substitutes payment from a first card member to a non-card member store that is a second card member, said second Terminal equipment used by cardholders of
Requesting the payment agent system to transmit identification information for identifying the payment to the terminal device, and receiving the identification information transmitted secretly from the payment agent system only to the terminal device , It has control means for outputting the identification information in a format that can be acquired by another terminal device used by the first card member,
The control means
The payment request including the identification information is received from the other terminal device, the payment processing of the charge to the second card member, and the total amount of the charge and the predetermined fee to the first card member's card A terminal device for receiving notification of completion of procedures of the payment processing and the settlement processing from the payment agent system which has executed the settlement processing for performing card settlement in step b. As a payment system of a card affiliated store, card payment can be executed, and it communicates with a payment agency system that substitutes payment of a payment from a first card member to a card non-member store which is a second card member, Terminal devices used by cardholders of
Accepts input of identification information for identifying the payment, which is secretly transmitted from the payment agent system only to the other terminal device in response to a request from the other terminal device used by the second card member Generating a payment request including the received identification information;
Execution of payment processing of the charge to the second card member according to the payment request, and settlement processing for performing card settlement of the sum of the charge and a predetermined fee with the card of the first card member A program that executes processing for requesting the payment agent system to execute. As a payment system of card member stores, it is possible to execute card payment, and communicate with a payment agent system that substitutes payment from a first card member to a non-card member store that is a second card member, said second Terminal devices used by cardholders of
Requesting the payment agent system to transmit identification information for identifying the payment to the terminal device, and receiving the identification information transmitted secretly from the payment agent system only to the terminal device , Outputting the identification information in a form that can be acquired by another terminal device used by the first card member;
The payment request including the identification information is received from the other terminal device, the payment processing of the charge for the second card member, and the total amount of the charge and the predetermined fee for the first card member A program for executing processing for receiving notification of completion of procedures for the payment processing and the settlement processing from the payment agent system that has performed the settlement processing for performing card settlement with a card.

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