JP6570891B2 - E-commerce extended credit settlement system - Google Patents

Description

  The present invention relates to a payment system for credit payment.

With the development of information and communication technology, the spread of electronic commerce in modern society is remarkable.
There are various forms of electronic commerce, but an electronic shop (also called an online shop) is a form in which a web page of a store is provided on the Internet space, a product is selected by a customer, and a product for which a purchase application is received is shipped. ) Can be easily opened by relatively small businesses and individuals.
There are also many online shopping malls (also called online malls) where various merchandise sales are made by integrating the web pages of a plurality of shops and configuring them as one website.

In order to become a member of these electronic stores (hereinafter simply referred to as “members”) and continue to conduct electronic commerce, procedures are often performed in the following flow.
First, a customer accesses a predetermined web page provided by an operator such as an electronic store (hereinafter referred to as “operator”).
The web page is provided with a registration page for member registration.
The customer inputs necessary personal information such as his / her name, address, telephone number, date of birth, and credit card number as member information according to the registration form on the page.
Then, the customer becomes a member by receiving a member ID, which is a symbol number for identifying and identifying the individual customer from the operator, and registering a password or a personal identification number that only the customer can know.
When a member conducts e-commerce at the e-shop, etc., the member ID, password, and PIN are entered from the web login page each time, and the e-shop is placed on the e-shop's web page in a situation where the individual member can be identified. Access and conduct various business transactions.
Next, regarding the payment, (1) cash on delivery payment to pay in exchange for the goods to be delivered, (2) account transfer payment to a financial institution designated by the operator, (3) credit card company Various payment methods are selected based on the agreement between the member and the operator, such as credit payment, which is a substantial postpayment that is temporarily repaid and later deducted from the designated account of the member.

On the other hand, the spread of credit cards is also remarkable in Japan, and according to the “Comprehensive Survey on Credit Cards” (2013) conducted by JCB Co., Ltd., the average credit card in men and women from the 20s to 60s The penetration rate is reported to be 86.6%.
Reflecting this situation, the above-mentioned credit payment is the main settlement method in the current electronic commerce payment.
With respect to the credit payment system and method, various means have been proposed so far from the viewpoint of improving the convenience of the user, considering the safety of transactions, and improving the efficiency of operations.

As an example of such means, the technique of Patent Document 1 has been proposed.
According to this, the customer registers one or more credit card numbers or the like in advance in the server of the management center.
Then, when paying at a store, a credit card used for payment is selected, and payment information issued from the server is received by its own portable communication terminal.
After that, the payment information displayed as a two-dimensional barcode on the screen of the portable communication terminal is read by the barcode reader of the register device, thereby realizing the price settlement using the previously selected credit card number. System etc.

As another example, the facility usage fee settlement system of Patent Document 2 has been proposed.
First, the issuing device issues an identification card and an identification tag that correspond to each other. A two-dimensional code for identifying the facility user is recorded on the identification card and the identification tag.
The facility user holds the identification card in a state where it is difficult to lose, and attaches the identification tag to, for example, a wristband.
Information such as fees related to facility use and product purchases is controlled as accumulated fee data associated with ID information of the identification tag by reading the two-dimensional code of the identification tag with a two-dimensional code reader for fee payment Stored in the means.
Furthermore, a system has also been proposed in which a two-dimensional code of an identification tag is read by a payment terminal at the end of use of a facility and a fee is settled.
As a result, the facility user can obtain the convenience that it is not necessary to carry cash or credit card, and the facility operator side can realize simplification and efficiency of the price settlement operation.

JP 2001-344545 A Japanese Patent No. 4273641

  In the present invention, the member information accumulated in the database server for electronic commerce (hereinafter referred to as “EC server”) is used not only for electronic commerce in electronic shops and online shopping streets, but also for members in shopping facilities and leisure facilities. It is intended to provide a safe and convenient means for payment by credit payment, which is also used when actually carrying out business transactions by visiting the actual stores.

The technology of Patent Document 1 is a system that realizes payment settlement using a credit card number by receiving payment information issued from a server of a management center with its own portable communication terminal and using it. .
Therefore, when a customer purchases a product, he / she carries his / her portable communication terminal, and each time a two-dimensional barcode displayed on the screen of the terminal is read by a reading device such as a barcode reader of a register device. It must be presented and read.

In the technique of Patent Document 2, an identification card and an identification tag are issued by an issuing device.
The identification tag used in the facility is either possessed so as not to be lost or used by being attached to a wristband or the like.
On the other hand, although the identification card corresponding to this identification tag cannot be used for payment, the facility user holds it so that it will not be lost. The security of transactions will be protected by specifying and making unavailable.

  However, each of the above means that a customer carries a portable communication terminal to read a two-dimensional barcode or the like into a reading device, or an identification card is issued in addition to an identification tag for facility users. There are still inconveniences for facility users, such as having to take care not to lose any of them.

In the present invention, (1) a user terminal for registering member information and a user terminal for requesting and receiving a member identification code (these user terminals are often the same terminal, hereinafter referred to as “user terminal”). collectively referred to.) and the data communication function capable of communicating with the database server to the credit card company is managed and operated, and membership information storage function to store to store membership information of the member, at the request of the member, the part of the member information An EC server having a member identification code issuing function that performs encoding processing and issues a one-time member identification code each time to identify and identify a member; and (2) indefinite and unique, that is, one-time use, in each case attached members and straps, re dimensional code used is the fact no one-time is assigned in advance to a part thereof, used without departing easily a member used by being mounted Discarded wristband (hereinafter, referred to as. "Identification attachment") and, (3) the and the identification information reading function of reading a one-time two-dimensional code of one-time member identification code and the identification attachment of both code An identification information tie function which is decoded and processed as identification tie information only for a predetermined period, in many cases from the entry to the exit, and the identification tie information sent to the EC server of (1) An identification processing device having an information transmission function; and (4) a sales aggregation register (hereinafter referred to as “a sales information encoding function” that encodes sales information after aggregation and displays it as a sales information code on a form such as a receipt. Register "), and (5) a sales information reading function for reading the two-dimensional code of the identification mounting tool and the sales information code, and both codes. And decoding comprises a sales information ties ability to mark string, and a sales processing device having a sales information transmission function by members of the authorization to transmit the sales ties information to the EC server (1) as sales ties information.

  Then, in the EC server of (1), based on the identification tie information transmitted from the identification processing device of (3) and the sales tie information transmitted from the sales processing device of (5), the member The credit settlement system further includes a credit settlement information tie function for linking member information and sales information as credit settlement information, and a credit settlement information storage function for storing the credit settlement information.

If it is within the management area of the facility or the like where the settlement system according to the present invention is introduced, the customer who is a member does not need to always carry the mobile terminal, wears only the identification attachment, and is a cashless / cardless personality. Shopping in various styles becomes possible.
In addition, a disposable two-dimensional code is attached to the identification wearing device in advance, and the identification wearing device is also a body-contact type disposable wristband that is difficult to separate easily, preventing inadvertent loss, You are freed from the inconvenience of having both an identification tag and an identification card.
The two-dimensional code of the identification wearing device is indefinite and the only one-time code, it does not need to include member information in itself, is associated with the member for the first time when the identification wearing device is used, and is not reused. . That is, since the identification wearing device is associated with the member who uses it only each time for a predetermined period, high safety can be maintained.

It is an apparatus block diagram of this system. It is a related figure of the main processing processes in each apparatus of this system. It is a top view showing an example of an identification mounting tool. It is a top view showing an example of the screen for confirmation / approval of a sales processing apparatus.

DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention will be described with reference to the drawings.
FIG. 1 is a configuration diagram showing a relationship between devices used in the system.
A member who is a customer is a member of a credit card company (hereinafter referred to as “card member”), and an operator or a store in an online shopping mall is a member store of a credit card company (hereinafter referred to as “member store”). )) Is the premise of credit payment.
As shown in FIGS. 1 and 2, the card member accesses the member registration web page established by the operator using the user information registration user terminal 1 that can be connected to the Internet, such as a personal computer or a smartphone. The member information is registered in the EC server 2.
At this time, main information registered in the EC server 2 includes a member's name, address, telephone number, date of birth, credit card information, and the like.
Then, a member identification symbol such as a member ID is issued from the operator to the member, and the member registers a password and a personal identification number used in combination with the member identification symbol. As a result, the card member becomes a member who is a customer of an electronic store or the like.

In general electronic commerce, the commercial transaction and the price settlement are completed within the broken line in FIG.
That is, a member generally accesses a web page of an electronic store or the like provided by the EC server 2 from the same user terminal 1 used for member registration via the Internet, and performs a commercial transaction.
When the details of the transaction are confirmed, products and the like are provided to the member from the operator and the store operator, and the member pays the price.
In the case of making a credit payment by selecting a member, transaction information and sales information such as a price are transmitted from the EC server 2 to a credit company database server 3 (hereinafter referred to as “credit server”) managed by the credit card company.
And in a credit card company, based on the sales information obtained from one or more member stores (including the above-mentioned operators etc.) used by the card member, the price to be paid by the card member is changed. Payments are made to these member stores, and the settlement is completed by, for example, withdrawing and collecting the money reimbursed from the card member's financial institution account later.

Next, when the present invention is used, the configuration shown in the solid line in FIG. 1 is obtained.
A so-called “click and mortar” management model is assumed in which businesses are developed in actual stores together with electronic stores.
According to the present invention, there is provided a system capable of easily summing the result of a commercial transaction in an actual store such as a shopping facility or leisure facility with the result of the conventional electronic commerce shown in the broken line in FIG. .

The present invention is configured so that a member can communicate with a user terminal 1 and a credit server 3 used for registering member information and used for communication with an EC server for receiving a member identification code described in detail below. In addition to the EC server 2 in which information is registered and stored , the member identification code 4 and the two-dimensional code of the identification attachment 5 are read at the entrance of the facility, and the identification strap information obtained by associating them with the EC server 2 An identification processing device 6 to be transmitted to the sales office, a register 7 which is arranged at each sales floor in the facility, sums up the sales price, and issues a form such as a receipt in which the sales information code 8 is described, and an identification mounting tool 5 The sales processing device 9 is configured to read the dimension code and the sales information code 8 and transmit the sales tie information associated with them to the EC server 2.

Here, the user terminal 1 used by the member is a user terminal used in each application or scene, such as when the member information registration terminal is a personal computer and the member identification code request / reception terminal is a smartphone. 1 may be different. On the other hand, the same mobile terminal owned by the user may be used for any purpose.
In general, it is likely that customers often register member information in advance with the EC server 2 and obtain a member identification symbol. However, the customer terminal 1 for registering member information that is owned by the customer or provided for the facility is used. It is also possible to register the member information on the spot and become a member.
Then, as shown in FIG. 2, when the member uses the system, the one-time member identification code 4 is sent to the EC server 2 from the user terminal 1 for requesting / receiving the member identification code possessed by the member or installed in the facility. Request for issuance.

Upon receiving an issuance request from the member, the EC server 2 transmits a one-time member identification code 4 to the user terminal 1 for requesting / receiving the member identification code . The member identification code 4 is associated with an identification wearing tool 5 that is already provided with a two-dimensional code and is prepared in advance at a facility entrance or the like, and is used for identifying and specifying a member.
The member identification code 4 is preferably a two-dimensional code in consideration of machine reading accuracy and the like. The information for identifying the member includes a part of the encoded member information, for example, a member identification symbol. Further, for example, it includes time limit information that expires only on that day, and is set to be used only once.
Its member identification code 4, members possessed, or be those that are displayed on the screen of the user terminal 1 such as a phone or tablet Ru serves both as a for membership identification code billing and receiving member information registration, the member It is also conceivable to print and display on a sheet with a printer or the like connected to the user terminal 1 such as a personal computer placed at home or facility entrance.

On the other hand, the identification wearing tool 5 has a shape as shown in FIG. It has a wristband shape with a two-dimensional code attached to the outer part so that it can be read, and it does not come off easily when worn once, and usually it must be cut with a scissors when removed. Of the type.
The two-dimensional code attached to the identification attachment 5 is an indefinite and unique one that does not exist, and does not need to include member information in itself. The same two-dimensional code is not reused.
The operator causes the identification processing device 6 to read the member identification code 4 presented by the member, and subsequently causes the identification processing device 6 to read the two-dimensional code of the identification attachment 5.
It does not matter whether the member identification code 4 and the identification attachment 5 are read in two-dimensional code.

The read two-dimensional code of the member identification code 4 and the identification attachment 5 is decoded and generated as identification strap information representing the connection between the two. From the characteristics of the code, the member and the identification attachment 5 As far as possible, only one-time association is made.
Next, the identification processing device 6 and the EC server 2 are connected in a wired or wirelessly communicable state, and the identification strap information is transmitted to the EC server 2 and stored.
Due to the shape of the identification wearing device 5, the member identification code 4 and the two-dimensional code of the identification wearing device 5, the risk of losing the identification wearing device 5 and theft or misuse of member information is reduced. This system can be used safely.

A member who wears the identification wearing tool 5 at the entrance of the facility or the like freely conducts business transactions at a sales floor in the facility.
In this case, information on purchased products and the like is aggregated by the register 7 which may have a function such as POS.
The register 7 records a sales information code 8 obtained by encoding sales information into a two-dimensional code or the like on a form such as a receipt.
Then, the operator causes the sales processing device 9 to read the two-dimensional code of the member's identification attachment 5 and the sales information code 8 on the form.
As in the case of the identification processing device 6, the sales processing device 9 does not matter whether the two-dimensional code of the identification mounting tool 5 and the sales information code 8 are read.
Here, similarly to the identification processing device 6, the sales processing device 9 may be of a mobile type such as a tablet terminal incorporating a camera capable of reading a two-dimensional code or the like as well as an installation type.
FIG. 4 is an example of a tablet-type sales processing device 9.
After the two-dimensional code and the sales information code 8 of the identification wearing tool 5 are read by the built-in camera, these are decoded and sales string information in which the identification wearing tool 5 and the sales information are linked is generated. Then, a screen as shown in FIG. 4 is displayed on the tablet-type sales processing device 9 for confirmation / approval of sales information by the member.

The operator is responsible for a part of the member information shown on the screen in this way, and this member information is less likely to cause trouble even if known to others, such as name and date of birth. It is possible to verify the identity of the member by asking them in person.
On the other hand, the member confirms the member information and the sales information displayed on the screen, and if there is no mistake in the contents of the commercial transaction, the member touches the screen display symbol for approval.
As a result, the sales tie information is transmitted to and stored in the EC server 2 in a state where it can communicate with the sales processing device 9 in a wired or wireless manner.
The sales processing device 9 may be an independent tablet type or the like, and a register 7 having a bar code scanner, and the register 7 and the sales processing device 9 may be integrated. In this case, it is not always necessary to output a form or the like in which the sales information code 8 is recorded. The operator can read only the two-dimensional code of the identification attachment 5 to identify the sales information stored in the apparatus. Sales tie information is generated from the two-dimensional code of the wearing tool 5 and it is also possible to perform an approval process by the customer on the confirmation screen of the register 7 on which it is displayed.

The EC server 2 associates the identification strap information and the sales strap information transmitted from the identification processing device 6 and the sales processing device 9 and stored.
In other words, the member information and the sales information linked through the identification wearing tool 5 are stored and accumulated in the EC server 2 as credit settlement information to be transmitted to the credit card company.
Then, the aggregated credit settlement information is transmitted to the credit server 3, and the credit card company pays the member store on behalf of the card member.
At a later date, the credit card company withdraws the money paid in advance to the member store on behalf of the card member from the financial institution account designated by the card member, and the settlement process by credit payment is completed.

Similarly, at a plurality of sales floors or the like in a facility, a member can perform shopping without having cash or a credit card, and a highly convenient business transaction can be performed.
On the other hand, as an operator, the identification processing device 6 reads the two-dimensional code of the member identification code 4 and the identification attachment 5 at the start of system use, and the two-dimensional code and the sales information code of the identification attachment 5 at the time of shopping. A series of processing procedures such as reading by the sales processing device 9 of 8 and confirmation of the member himself / herself and confirmation / approval procedure of the sales information by the member are routine and quick, and office work is simplified.
As in the past, when purchasing products, etc., a series of very sensitive procedures such as depositing and reading the customer's important credit card, processing the slip, and securely returning the credit card to the customer are omitted. This will greatly simplify the process for both members and operators.
The risk of loss is very low due to the shape and characteristics of the identification fitting 5 that mediates member information and sales information, and the two-dimensional code attached to it is undefined and unique that is not reused. When the member approves, the personal information such as the name and date of birth is confirmed by the customer and the operator face-to-face, so that it is possible to prevent misuse when the identification wearing device 5 is lost.
And since there is no direct exchange of cash at the sales floor etc., the psychological resistance when members shop can be reduced, and it can be expected to have secondary effects such as an increase in unit sales price at each store etc. .

DESCRIPTION OF SYMBOLS 1 User terminal 2 Database server for electronic commerce 3 Credit company database server 4 Member identification code 5 Identification mounting tool 6 Identification processing device 7 Sales totaling register 8 Sales information code 9 Sales processing device

Claims (3)

Member information registration user terminal, a data communication function for communicating with member identification code according receiving user terminal and credit card company database server, the member information storage function for storing the member information, the request of members, the member information A member identification code issuance function that encodes a part of the information and issues a one-time member identification code for identifying the member and transmits it to the user terminal for receiving the member identification code request A database server;
An indefinite and unique one-time two-dimensional code is attached to a part of it in advance , and a disposable body-contacting wristband worn by members and used,
The membership identification code and read the identification information reading and two-dimensional code of the wristband function, the member identification code and then decoding the two-dimensional code, the identification information attaching straps to the sole as long as the predetermined time period as identification ties information An identification processing device having a strap function and an identification information transmission function for transmitting the identification strap information to the electronic commerce database server;
This was an encoding process after aggregation sales information, and sales totalization register with sales information coding function for issuing sales information code,
Wherein and the sales information reading function for reading a two-dimensional code with the sales information code of the wristband, the decoding process the sales information codes and two-dimensional code, and sales information ties ability to mark string of sales ties information, the member A sales processing device having a sales information transmission function for transmitting the sales strap information to the database server for electronic commerce by approval,
In the e-commerce database server, and the identification ties information transmitted from said identification processing device, based on said sales ties information transmitted from the sales processing device, and the sales information and the member information of the member A credit settlement system having a credit settlement information tie function for associating a credit settlement information and a credit settlement information storage function for storing the credit settlement information. An integral and said sales processing device and the sales totalization registers, the two-dimensional code of the reading and decoding process of the encoding processing and the sales information code sales information becomes unnecessary, the wristband read by the sales processing device The credit settlement system according to claim 1, wherein the sales tie information is generated from the decoded data and the sales information. The member as the identification code and the sales information code, the credit settlement system according to claim 1 or claim 2, characterized by using a two-dimensional code.