JP7137953B2 - Payment device, payment method and payment program - Google Patents

Description

The present invention relates to a payment device, a payment method, and a payment program for giving privileges to cardholders of payment cards such as credit cards.

2. Description of the Related Art Conventionally, in a store or the like, when a user purchases a product or receives a service from a store, transactions are sometimes made by settlement using a settlement card such as a credit card. For example, in a transaction using a credit card, the credit card company temporarily pays the price that the user pays to the store, and at a later date, the user pays (repays) the price to the credit card company. In addition, when the payment of the price is completed, the card company gives the user benefits such as points.

As a conventional technology, a point management server manages a user's card usage history managed by a card management server and a billing amount billed according to the use of a user terminal managed by a carrier server in association with the user. has been disclosed (see, for example, Patent Document 1 below).

JP 2016-051279 A

However, in the conventional technology, there are cases where the user completes the payment in cash without using the card, such as when the user does not have a card or when the user wants to complete the payment procedure quickly. In this case, since the user is not provided with the privilege, the user cannot receive the benefits of the card owner, and the convenience of the card is often low.

In order to solve the problems of the prior art described above, the present invention enables the user to receive benefits as the owner of the card even if the user completes payment without using the card. An object of the present invention is to provide a settlement device, a settlement method, and a settlement program that can improve the convenience of payment.

In order to solve the above-described problems and achieve the object, a payment apparatus according to the present invention provides a payment method in which a user who owns a payment card inputs a price for goods or services at a store in response to a request from the user. a receiving means for receiving transaction information indicating that the payment has been made in cash to the transaction information inquiry means for inquiring a store terminal device of a store indicated by the transaction information received by the reception means whether or not a transaction with an identifier indicated by the transaction information has been performed; and transaction information received by the reception means. and a control means for storing, in a storage unit, a privilege corresponding to the consideration indicated by the transaction information in association with the card information of the payment card of the user, based on the inquiry result of the transaction information inquiry means. , is provided.

Further, in the settlement apparatus according to the present invention, in the above invention, the transaction information inquiry means checks whether or not a transaction with an identifier indicated by the transaction information has been carried out during off-peak hours of card settlement using the settlement card. It is characterized by referring to the band.

Further, the payment apparatus according to this invention is characterized in that, in the above invention, the privilege corresponding to the price is a different privilege depending on the time zone in which the transaction is performed.

Further, in the payment apparatus according to the present invention, in the above invention, when the time period during which the transaction is performed is a busy time period when card payments are frequently made using the payment card, the privilege corresponding to the consideration is the above-mentioned It is characterized in that it is a privilege with a higher degree of profit for the user than the privilege according to the price when the time zone in which the transaction is performed is not the busy time zone.

Further, the payment apparatus according to the present invention, in the above invention, accepts from the store terminal device a card payment request requesting that the consideration be paid to the store by card payment using the payment card of the user. payment processing means for performing card payment processing for paying the consideration by card payment using the payment card of the user based on the card payment request, and the control means stores the consideration in the In the event that card settlement processing for payment by card settlement using the user's settlement card is performed by the settlement processing means, the repayment of the payment for the card settlement shall be made to the card company that issued the user's settlement card. In response to the repayment, a benefit different from the benefit corresponding to the consideration when the consideration is paid in cash is provided as a benefit corresponding to the consideration when the consideration is paid by card payment. and storing in the storage unit in association with the card information of the settlement card of the user.

Further, in the settlement device according to the present invention, in the above invention, the privilege corresponding to the consideration when the consideration is paid in cash is higher than the privilege corresponding to the consideration when the consideration is paid by card payment. is also a privilege with a high degree of profit for the user.

Further, the payment apparatus according to the present invention, in the above invention, accepts from the store terminal device a card payment request requesting that the consideration be paid to the store by card payment using the payment card of the user. payment processing means for performing card payment processing for paying the consideration by card payment using the payment card of the user based on the card payment request, and the control means controls that the consideration is cash is stored, the card company that issued the payment card of the user to the store based on the consideration and the first ratio In the case where the payment processing means performs a card settlement process in which the transaction fee for the transaction in which the consideration to be charged is paid in cash is calculated, and the consideration is paid by card payment using the settlement card of the user, Based on the consideration and a second rate different from the first rate, a transaction fee for a transaction in which the consideration charged by the card company to the store is paid by card payment is calculated. Characterized by

Moreover, the settlement apparatus according to the present invention is characterized in that, in the above invention, the first rate is smaller than the second rate.

In addition, in the settlement method according to the present invention, information indicating that the user has paid cash for the goods or services to the store, which is input in response to a request from the user who owns the settlement card. receiving transaction information indicating the user, the consideration, the store, and an identifier of the transaction in which the consideration was paid in cash, and to the store terminal device of the store indicated by the received transaction information to inquire whether or not the transaction of the identifier indicated by the transaction information has been performed, and based on the received transaction information and the inquiry result of the inquiry, a privilege corresponding to the consideration indicated by the transaction information, It is characterized in that a computer executes a process of storing in a storage section in association with the card information of the settlement card of the user.

In addition, the payment program according to the present invention provides information that is input in response to a request from a user who owns a payment card and indicates that the user has paid cash for the goods or services to the store. receiving transaction information indicating the user, the consideration, the store, and an identifier of the transaction in which the consideration was paid in cash, and to the store terminal device of the store indicated by the received transaction information to inquire whether or not the transaction of the identifier indicated by the transaction information has been performed, and based on the received transaction information and the inquiry result of the inquiry, a privilege corresponding to the consideration indicated by the transaction information, It is characterized by causing a computer to execute a process of correlating with the card information of the payment card of the user and storing it in the storage unit.

According to the settlement device, the settlement method and the settlement program according to the present invention, even if the user completes the payment procedure without presenting the settlement card, the user receives benefits as the owner of the settlement card. It is possible to improve the convenience of the payment card.

FIG. 1 is an explanatory diagram showing a system configuration example of a settlement system 100 according to this embodiment. FIG. 2A is a block diagram showing an example of the hardware configuration of the card company server 111. As shown in FIG. FIG. 2B is a block diagram showing an example of the hardware configuration of the store terminal device 131. As shown in FIG. FIG. 3A is an explanatory diagram showing an example of the contents stored in the card information database (DB) 112. As shown in FIG. FIG. 3B is an explanatory diagram showing an example of the content stored in the point grant database (DB) 113. As shown in FIG. FIG. 3C is an explanatory diagram showing an example of the contents of the fee database (DB) 114. As shown in FIG. FIG. 3D is an explanatory diagram showing an example of the contents stored in the receipt information database (DB) 133. As shown in FIG. FIG. 4A is a diagram showing an example of a normal transaction using credit card 122. As shown in FIG. FIG. 4B is a diagram showing an example of awarding a privilege using a receipt 132 after a cash transaction. FIG. 5 is an explanatory diagram showing the functional configuration of the settlement system 100 according to this embodiment. FIG. 6 is an explanatory diagram showing an example of the receipt 132. As shown in FIG. FIG. 7 is a flowchart showing an example of a receipt creation processing procedure performed by the store terminal device 131. As shown in FIG. FIG. 8 is a flow chart showing an example of a procedure of privilege giving processing using receipt information performed by the card company server 111 . FIG. 9 is a flowchart showing an example of an identifier determination processing procedure performed by the store terminal device 131. As shown in FIG.

Preferred embodiments of the settlement device, settlement method, and settlement program according to the present invention will be described in detail below with reference to the accompanying drawings.

(System configuration of payment system)
First, a system configuration example of the payment system 100 according to the present embodiment will be described. FIG. 1 is an explanatory diagram showing a system configuration example of a settlement system 100 according to this embodiment. In FIG. 1, the settlement system 100 has a card company server 111, a user terminal device 121, a credit card 122, and a store terminal device 131.

The card company server 111 is an example of a settlement device according to the present invention, and is a server provided in the card company 110 . Specifically, the card company server 111 is a general-purpose computer that manages credit card usage limits and current usage amounts for each user. The card company server 111 is, for example, a personal computer having a CPU (Central Processing Unit), a memory, an interface, and the like.

The card company server 111 also has a card information database (DB) 112, a point grant DB 113, and a fee DB 114. The storage contents of various DBs 112 to 114 will be described later with reference to FIGS. 3A to 3C.

The user terminal device 121 is, for example, a computer device owned by the user of the credit card 122 . For the user terminal device 121, for example, a computer device such as a smart phone or a tablet PC (Personal Computer) is used. The user terminal device 121 has a CPU, a memory, an interface, and the like.

However, the user terminal device 121 is not limited to smart phones and tablet PCs, and can be various PCs such as desktop PCs and notebook PCs, mobile phones, and PHSs (Personal Handyphone Systems). The credit card 122 is an example of a settlement card according to the present invention, and is a credit card issued by the card company 110 .

The store terminal device 131 is an example of the store terminal device according to the present invention. The store terminal device 131 has a settlement function for the credit card 122 and is connected to a network 140 such as the Internet via a settlement network. The store terminal device 131 performs various processes related to payment using the credit card 122 (hereinafter referred to as "card payment"). The store terminal device 131 communicates with the card company server 111 when executing various processes related to card settlement.

The shop terminal device 131 also manages the interface between the user and the card issuer server 111, and notifies the user of the result of the credit card settlement of the credit card 122. FIG. The store terminal device 131 includes a register for accounting for purchased products, a card reader for reading card information of the credit card 122, a communication unit for transmitting/receiving card information to/from the card company server 111, and the like. Specifically, the store terminal device 131 can be implemented by a credit inquiry terminal for the credit card 122 such as a CAT (Credit Authorization Terminal) terminal or a POS (Point Of Sales System) terminal.

Also, the store terminal device 131 issues a receipt 132, for example. Printed on the receipt 132 are, for example, the name of the store, the telephone number of the store, the date and time of issuance, the item and price of the product purchased by the user, transaction identification information (ID: Identification), a two-dimensional code, and the like. A specific example of the receipt 132 will be described later with reference to FIG.

The store terminal device 131 also has a receipt information DB 133 that stores receipt information indicating the description content of the issued receipt 132, for example. The contents of the receipt information DB 133 will be described later with reference to FIG. 3D.

In the payment system 100 , the card company server 111 , the user terminal device 121 and the store terminal device 131 are connected via a wired or wireless network 140 . Network 140 is, for example, the Internet, a mobile communication network, or the like. However, the network 140 may be a LAN (Local Area Network), a WAN (Wide Area Network), or the like.

(Example of hardware configuration of card company server 111)
Next, an example of a specific configuration of the card company server 111 will be described. FIG. 2A is a block diagram showing an example of the hardware configuration of the card company server 111. As shown in FIG.

In FIG. 2A, a computer device realizing card company server 111 includes CPU 211 , memory 212 , and communication IF (Interface) 213 . Each unit 211 to 213 provided in the computer device is connected by a bus 210 respectively. A CPU 211 controls the entire computer system.

The memory 212 stores programs such as a boot program, data of various databases, and the like. In addition, the memory 212 stores various programs and data related to the settlement method of the present embodiment, such as a settlement program and some data of various databases.

Also, the memory 212 is used as a work area for the CPU 211 . The memory 212 can be realized by, for example, ROM (Read-Only Memory), RAM (Random Access Memory), HDD (Hard Disc Drive) and HD (Hard Disc).

The communication IF 213 is connected to the network 140 and controls the interface between the inside of the computer device and external devices such as the user terminal device 121 and the store terminal device 131 . Specifically, the communication IF 213 controls input/output of data between the inside of the computer device and an external device. Also, the card company server 111 may include an input device and an output device, which will be described later.

(Example of Hardware Configuration of Store Terminal Device 131)
Next, an example of a specific configuration of the store terminal device 131 will be described. FIG. 2B is a block diagram showing an example of the hardware configuration of the store terminal device 131. As shown in FIG. Although the shop terminal device 131 will be described below, the user terminal device 121 will also be supplemented as appropriate.

In FIG. 2B, the computer device that implements the store terminal device 131 includes a CPU 221, a memory 222, an output device 223, an input device 224, and a communication IF 225. Each unit 221 to 225 included in the computer device is connected by a bus 220, respectively. The CPU 221 controls the entire computer system.

The memory 222 stores programs such as a boot program, data of various databases, and the like. Also, the memory 222 is used as a work area for the CPU 221 . Memory 222 can be implemented by, for example, ROM, RAM, HDD, and HD.

Output devices 223 include, for example, displays, speakers, printers, and the like. The display displays operation details, guidance information for the user, and the like. The display displays various operation screens related to payment services. The display can be implemented by, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display.

The speaker also outputs a beeping sound when a two-dimensional code (for example, a barcode) is read by a code reader (for example, a barcode reader), an alarm sound, and the like. The printer prints out a receipt 132 (receipt). Also, in the case of the user terminal device 121, the output device 223 includes an audio output terminal. The audio output terminal is a terminal for connecting headphones or the like, and outputs audio, alarm sound, etc. to the connected headphones or the like in the same manner as the speaker.

The input device 224 has keys for inputting characters, numerical values, various instructions, etc., and performs data input. Input device 224 includes, for example, a touch panel and a keyboard. The touch panel and keyboard output signals to the CPU 221 according to input operations.

The touch panel is laminated on the display surface side of the display. When detecting contact with a writing member such as a finger or a pen, the touch panel outputs an electrical signal corresponding to the contact position of the writing member with respect to the touch panel. As the touch panel, various types of known systems such as a resistive film system, an electrostatic capacity system, an acoustic pulse recognition system, an ultrasonic surface acoustic wave system, an infrared light shielding system, and an image recognition system can be used.

Input devices 224 also include card readers and code readers. The card reader reads card information such as identification information of the credit card 122 . The code reader reads a two-dimensional code in which product information such as product name, product number and price is coded.

Also, in the case of the user terminal device 121, the input device 224 includes a camera and a microphone. The camera captures still images and moving images. Specifically, for example, the camera is controlled by the CPU 221 to capture an image of an imaging target, input image data, or input data described in a two-dimensional code (eg, QR code (registered trademark)). , and an OCR (Optical Character Reader) function to convert characters photographed into data and input them.

Also, the microphone analog/digital converts the speaker's voice, which is input as analog data, to generate digital voice data. By using the microphone, the user can input characters through the user terminal device 121 instead of using the touch panel or keyboard.

The communication IF 225 is connected to the network 140 and controls the interface between the inside of the computer device and external devices such as the card company server 111 and the user terminal device 121 . Specifically, the communication IF 225 controls input/output of data between the inside of the computer device and an external device.

(Stored contents of various DBs 112 to 114)
Next, with reference to FIGS. 3A to 3C, contents stored in the card information database (DB) 112, the point grant database (DB) 113, and the fee database (DB) 114 possessed by the card company server 111 shown in FIG. explain. Various DBs 112 to 114 are realized by a storage unit such as memory 212, for example.

FIG. 3A is an explanatory diagram showing an example of the contents stored in the card information database (DB) 112. As shown in FIG. 3A, the card information DB 112 has fields for card number, name holder, user terminal information, personal identification number, expiration date, security code, limit amount, amount used up to now, and accumulated points. By setting information in each field, a record of card information (for example, card information 300-1, 300-2) is stored.

The card number is, for example, a 16-digit number written on the credit card 122 . The nominee indicates the nominee (name) of the credit card 122 . The user terminal information is, for example, address information of the user terminal device 121 owned by the holder. The personal identification number is authentication information for authenticating the identity of the person when using the credit card 122 . The expiration date indicates the expiration date for which the credit card 122 can be used. The security code is, for example, a 3-digit number written on the back of the credit card 122 .

The limit indicates the maximum amount that can be paid using the credit card 122 within a certain period of time (for example, one month). Also, the usage amount up to the present indicates the total amount that the user has purchased products, etc. using the credit card 122 from the start of a certain period (for example, the beginning of the month) to the present. The amount used to date is updated each time a payment is made using the credit card 122 .

Accumulated points indicate the accumulation of points (privileges) granted by the user paying the credit card company 110 for the purchase of goods or the like using the credit card 122 . The given points are valid for a predetermined period (for example, one year) after they are given.

For example, the card information 300-1 includes card number "1234...", name holder "Souken Sotaro", user terminal information "XXX...@xxx", password "○○○○", expiration date "○ Year XX month", security code 'XX', limit amount 'YYY million', usage amount to date 'YYYYY', and accumulated points '○○×○Pt'. It should be noted that, although not shown, in the case where cash advances that lend cash are available, information on the cash advances (the limit amount and the amount used up to now) is also stored in the card information DB 112 .

When creating a new credit card 122, the card number, name holder, user terminal information, personal identification number, expiration date, security code, and limit amount shown in the card information DB 112 may be requested by the user or by the card company. It is set according to the examination result of 110. In addition to the illustrated fields, the card information DB 112 may have fields for the address, telephone number, date of birth, etc. of the holder. Furthermore, the card information DB 112 may be provided with a field for the holder ID. In this case, information indicating the nominee ID that identifies the nominee is set in the nominee ID field.

FIG. 3B is an explanatory diagram showing an example of the content stored in the point grant database (DB) 113. As shown in FIG. 3B, the point award DB 113 has fields for card number, name, normal point award rate, point award rate based on receipt (congested hours), and point award rate based on receipts (low hours). By setting information in each field, a record of point giving information (for example, point giving information 310-1, 310-2) is stored.

The card number is, for example, a 16-digit number written on the credit card 122, and is the same as the card number stored in the card information DB 112 (see FIG. 3A). Therefore, the card information 300 and the point provision information 310 of the card information DB 112 are associated with each other by the card number.

Also, in the point grant DB 113 , the name is the same as the name of the person included in the card information 300 of the card information DB 112 . The normal point awarding rate indicates the awarding rate of points awarded to the user by performing card payment. Specifically, the normal point awarding rate indicates the awarding rate of points awarded according to the payment amount in card settlement. For example, if the point grant rate is 1.0% and a card payment for a product of 10,000 yen is made, the points granted to the user are 100 (Pt), which is 10,000 yen multiplied by 1.0%.

In the point grant DB 113, the point grant rate based on the receipt is granted to the user by performing a predetermined procedure after the user pays in cash without using the credit card 122. It shows the rate of granting points to be used. The point award rate based on the receipt differs depending on the time period. The time zone indicates the time zone during which the user purchased the product with cash, and includes a busy time zone and an off-peak time zone.

The busy time zone is a time zone in which a predetermined number or more (many times) of credit determination processing, which will be described later, is performed, for example, from 16:00 to 18:00 on weekends and holidays. Also, the off-peak time zone is a time zone during which less credit determination processing is performed, for example, a time zone other than the busy time zone. The rate of awarding points based on receipts is higher in the busy time zone than in the off-peak time zone. Moreover, each point grant rate differs for each user. For example, in the case of good members (for example, gold card members), each point award rate is a high percentage.

For example, the point award information 310-1 includes the card number "1234...", the name "Souken Soutarou", the normal point award rate "1.0%", and the point award rate for receipts during busy hours "1.2 %”, and the point award rate “1.1%” based on receipts during off-peak hours.

FIG. 3C is an explanatory diagram showing an example of the contents of the fee database (DB) 114. As shown in FIG. In FIG. 3C, the commission DB 114 has fields for store name, normal commission rate, receipt-based commission rate (congested hours), receipt-based commission rate (low-hours), and accumulated commission. By setting information in each field, a record of commission information (for example, commission information 320-1, 320-2) is stored.

The store name indicates the name of the store. The normal commission rate indicates the commission rate charged to the store by the card company 110 for card settlement. A normal commission rate is an example of a second rate according to the present invention. Specifically, the normal commission rate indicates the percentage of the commission charged to the store according to the price of card payment. For example, if the normal commission rate is 2.5% and the user pays for 10,000 yen by credit card, the credit card company 110 will bill the store for 250 yen, which is 10,000 yen multiplied by 2.5%. .

Further, in the fee DB 114, the fee rate based on the receipt is calculated as follows: after the user pays the consideration in cash without using the credit card 122, the user performs a predetermined procedure afterwards, and the user receives a privilege. By granting, indicate the percentage of commission charged to the store. The fee rate based on the receipt is an example of the first rate according to the present invention. The fee rate for receipts varies depending on the time of day. The time zone indicates the time zone during which the user purchased the product with cash, and includes a busy time zone and an off-peak time zone.

The busy time zone is, for example, 16:00 to 18:00 on weekends and holidays. Also, the off-peak time zone is a time zone other than the busy time zone. Each commission rate varies from store to store. For example, when the monthly usage amount is high, such as in a large store, each commission rate is a low percentage. The cumulative fee indicates the cumulative amount of fees paid by the store to the card company 110 on predetermined dates such as the 10th and 25th of each month.

For example, the commission information 320-1 includes the store name "○○ department store", the normal commission rate "2.5%", the commission rate for receipts during busy hours "2.3%", and the receipts for off-peak hours "2.4%" due to the fee and cumulative fee "¥○○○○○". In the example described here, the fee rate based on the receipt is set to a positive value, and the store pays the corresponding fee to the card company 110, but the present invention is not limited to this. The fee rate based on the receipt may be set to a negative value, and the card company 110 may pay the corresponding fee to the store.

(Stored content of receipt information DB 133)
Next, the contents stored in the receipt information database (DB) 133 of the store terminal device 131 shown in FIG. 1 will be described with reference to FIG. 3D. Receipt information DB 133 is implemented by a storage unit such as memory 222, for example.

FIG. 3D is an explanatory diagram showing an example of the contents stored in the receipt information database (DB) 133. As shown in FIG. In FIG. 3D, the receipt information DB 133 has receipt ID, store ID, date and time, product, amount, and valid/invalid fields. By setting information in each field, a record of receipt information (for example, receipt information 330-1 to 330-3) is stored.

The receipt ID is written on the receipt 132 and indicates an identifier for identifying the receipt 132 . The store ID is identification information that identifies the store. The date and time indicates the date and time when the user paid the price in cash at the store. Product indicates the name of the product purchased by the user. The amount indicates the purchase amount (consideration) of the product purchased by the user in cash.

Valid/invalid indicates whether points (privileges) have been given using the receipt 132 indicated by the receipt ID. Valid out of valid/invalid indicates that the receipt 132 indicated by the receipt ID is used and points have not yet been awarded. Invalid among valid/invalid indicates that points have already been given using the receipt 132 indicated by the receipt ID. Note that the receipt information is stored in the receipt information DB 133 until the points are awarded without providing a valid/invalid field. can be erased.

For example, the receipt information 330-1 includes receipt ID "12345", store ID "6789", date and time "17:33 on January 5, 2018", product "shirt", amount "¥7,800", Enabled/Disabled Indicates "enabled". Also, the receipt information 330-2 has the same receipt ID as the receipt information 330-1. is described in the same receipt 132 as the receipt information 330-1.

(Example of normal transaction using credit card 122)
Next, an example of a normal transaction using the credit card 122 will be described with reference to FIG. 4A. FIG. 4A is a diagram showing an example of a normal transaction using credit card 122. As shown in FIG. The bracketed numbers shown below correspond to the bracketed numbers shown in FIG. 4A.

As shown in FIG. 4A, (1) when the user 400 purchases a product for 30,000 yen at a store 410, the user 400 presents the credit card 122 to the store staff. The store staff causes the card reader of the store terminal device 131 to read the card information of the credit card 122 presented by the user. Then, the store staff inputs information indicating the price of the product to the store terminal device 131 . In addition, the store staff makes the user enter the personal identification number of the credit card 122 as necessary. (2) The store terminal device 131 uses the information input in (1) to make a card usage inquiry (authorization) to the card company server 111 . If authentication is successful and card settlement is possible, the card company server 111 (3) transmits to the shop terminal device 131 an inquiry result indicating that fact.

(4) Then, the user receives the product from the store 410 . (5) Also, 30,000 yen is deposited from the card company 110 to the store 410 on a predetermined date. (6) Then, the store 410 pays the card company 110 a commission (for example, 30,000 yen x 2.5% = 750 yen) on a predetermined date. By offsetting (5) and (6), the shop 410 of (6) did not pay the card company 110 the commission, and the credit card company 110 paid 29,250 yen after deducting the commission. Payment may be made to the store 410 .

(7) In addition, the card company 110 bills the user 400 for 30,000 yen on a predetermined date after the user purchases the product. (8) Then, when the user 400 completes the payment of 30,000 yen to the card company 110, (9) the card company 110 gives the user 400 a privilege. Thus, a normal transaction using credit card 122 is completed.

(An example of giving a privilege using a receipt 132 after a transaction with cash)
Next, an example of giving a privilege using a receipt 132 after a cash transaction will be described with reference to FIG. 4B. FIG. 4B is a diagram showing an example of awarding a privilege using a receipt 132 after a cash transaction. The bracketed numbers shown below correspond to the bracketed numbers shown in FIG. 4B.

As shown in FIG. 4B, (11) it is assumed that the user 400 purchases a product for 30,000 yen in cash at a store 410 . (12) In this case, the user 400 receives the product from the store 410 in exchange for cash. (13) The store 410 also issues a receipt 132 and hands it over to the user 400 . (14) The user 400 sends the receipt information written on the receipt 132 to the card company server 111 .

For example, the user 400 causes the user terminal device 121 to read the receipt information printed on the receipt 132 encoded with a QR code or the like, and sends the read receipt information from the user terminal device 121 to the card company server. 111. In addition, when sending the receipt information, the user 400 inputs information that enables the card company server 111 to identify the user 400 to the user terminal device 121, and the information is also sent from the user terminal device 121 to the card company. Send it to the server 111 .

If the card company 110 issues only one (one type) credit card 122 to each person such as the user 400, the information that can identify the user 400 is, for example, the credit card of the user 400. 122 card number. Further, if the card company server 111 is configured to store the holder ID, the information that can identify the user 400 may be information indicating the holder ID of the user 400 . The receipt information and information capable of identifying the user 400 transmitted from the user terminal device 121 to the card company server 111 in this way are an example of transaction information according to the present invention, and are information identifying the user 400. , information identifying the shop 410, the amount of money paid to the shop 410 in cash, and the identifier of the transaction in which the price was paid in cash.

(15) The card company server 111 refers to the received receipt information to determine whether the store 410 is a member store registered in the card company server 111. If the store 410 is a member store, the store terminal device 131 is inquired about the receipt information. (16) If the receipt 132 was issued by the store terminal device 131 and is valid, the store terminal device 131 transmits to the card company server 111 an inquiry result to that effect.

(17) Then, 30,000 yen is deposited from the store 410 to the card company 110 on a predetermined date. (18) Also, the card company 110 pays the shop 410 the amount obtained by deducting a commission (for example, 30,000 yen×2.5%=750 yen) from 30,000 yen on a predetermined date. By offsetting the payments of 30,000 yen shown in (17) and (18), the store 410 may pay only the commission to the card company 110 without making payments of 30,000 yen for both parties. .

(19) Then, although the card company 110 bills the user 400 for 30,000 yen, (20) the user 400 has already paid in cash, so (21) the card company 110 gives the user 400 a privilege. (points) are awarded. Note that (19) and (20) can be omitted because they are clear from the receipt information shown in (14). In this way, a privilege can be given using a receipt after a transaction has been made with cash.

As a result, even if the user 400 completes the payment in cash without using the credit card 122, such as when the user 400 does not have the credit card 122, or when the user 400 wants to complete the payment procedure as soon as possible. In addition, a privilege can be given to the user 400 . Therefore, the user 400 can receive benefits as a card member, and convenience of the card can be improved.

In addition, in FIG. 4B, in (11), an example in which user 400 paid cash to store 410 was explained, but for example, prepaid (prepaid) electronic money, debit card, prepaid card, etc., card company Even if the user 400 pays the shop 410 by another payment method that does not cause authorization to 110, the card company server 111 will give the user 400 a privilege in the same way as when paying in cash. can be

Also, for example, when the card company 110 concludes a member store contract with the store 410, the store 410 (member store) introduces this service (a service that gives benefits using the receipt 132 after the transaction in cash). As a result, the sales of the store 410 increase, and when the increased amount (or the amount of profit) exceeds a certain standard, the store 410 pays a commission for granting a privilege using the receipt 132 after the transaction in cash. may be collected from

Furthermore, for example, when a privilege using the receipt 132 is given after a cash transaction, the card company 110 may pay the store 410 a commission for that. In other words, the fee for granting a benefit using the receipt 132 after a cash transaction may be a minus fee for the card company 110 as described above. By doing so, it is possible to further encourage introduction of this service at the store 410 . The card company 110 can, for example, reduce the number of authorizations to the card company 110 by using this service, so that capital investment for responding to authorizations can be suppressed as described later. Therefore, even if the fee for granting a benefit using the receipt 132 after a transaction in cash is set as a minus fee, the card company 110 can pay, for example, using the money secured by suppressing capital investment as the source of funds. be.

(Functional configuration of payment system 100 according to the present embodiment)
FIG. 5 is an explanatory diagram showing the functional configuration of the settlement system 100 according to this embodiment. 5, the payment system 100 includes a card company server 111, a user terminal device 121, and a store terminal device 131. In FIG.

First, the transaction using the credit card 122 will be explained, and the store terminal device 131 will be explained. The store terminal device 131 includes a cash transaction input unit 521, a receipt information generation unit 522, a receipt information output unit 523, a receipt information storage unit 524, a receipt information reception unit 525, and a receipt information determination unit. 526 , determination result transmission unit 527 , payment information input unit 528 , payment information communication unit 529 , and transaction result output unit 530 .

The payment information input unit 528 inputs payment information (payment request). The payment information includes card information of the payment card owned by the user, authentication information (for example, a password) input by the user, information on the price of the product purchased by the user, and the store terminal device 131. It includes the identification information of the store where it is installed. The payment card owned by the user is, for example, the credit card 122 issued by the card company 110, but is not limited to the credit card 122, and may be, for example, a debit card. Payment information input unit 528 outputs the input payment information to payment information communication unit 529 . The payment information input unit 528 is implemented by the input device 224 of the shop terminal device 131 .

Payment information communication unit 529 transmits the payment information output from payment information input unit 528 to card company server 111 . The payment information communication unit 529 is implemented by the communication IF 225 of the shop terminal device 131 .

The card company server 111 includes a receipt information input unit 501, a transmission control unit 502, a receipt information transmission unit 503, a determination result reception unit 504, a storage control unit 505, a privilege storage unit 506, and a payment information communication unit. It includes a unit 507 and a settlement control unit 508 .

The payment information communication unit 507 of the card company server 111 receives the payment information (payment request) transmitted from the shop terminal device 131 . The payment information communication unit 507 outputs the payment information received from the store terminal device 131 to the payment control unit 508 . Payment information communication unit 507 is realized by communication IF 213 of card company server 111 .

The settlement control unit 508 performs card settlement. Specifically, the payment control unit 508 determines whether or not the shop where the shop terminal device 131 that has transmitted the payment information is installed is a member shop, and performs authentication using a personal identification number. Then, if the store is a member store and the authentication is successful, credit determination is performed. Credit determination is made by referring to the card information stored in the card information DB 112 (see FIG. 3A) to determine whether or not there is space for the payment amount in the credit limit that indicates the monthly available amount of the credit card 122. is the judgment.

In the credit determination, if there is no vacancy in the credit limit for the payment amount, the settlement control unit 508 outputs a transaction result indicating that fact to the settlement information communication unit 507 . On the other hand, in the credit determination, if there is a vacancy in the credit limit for the payment amount, the settlement control unit 508 secures the payment amount and uses the payment method specified by the user (for example, one-time payment or multiple-time payment). ) to complete the card payment. Then, payment control section 508 outputs a transaction result indicating that card payment has been completed to payment information communication section 507 .

The payment information communication unit 507 transmits the transaction result of card payment to the store terminal device 131 . The payment information communication unit 529 of the store terminal device 131 outputs the transaction result received from the card company server 111 to the transaction result output unit 530 . The transaction result output unit 530 outputs the transaction result output from the payment information communication unit 529 by printing or displaying. The transaction result output unit 530 is implemented by the output device 223 of the shop terminal device 131 .

The card company server 111 pays the store the price of the product purchased by the user on a predetermined date. The predetermined due date is, for example, a predetermined due date twice a month. In addition, the store pays the credit card company 110 a predetermined fee for using the credit card 122 .

In addition, when the user pays for the card payment, the payment control unit 508 of the card company server 111 associates the benefits (points) corresponding to the payment with the card information of the card owned by the user. It is stored in the privilege storage unit 506 . The payment of the price according to the card payment from the user is performed, for example, by debiting once a month on a predetermined date. The payment control unit 508 is an example of the control means and payment processing means according to the present invention, and realizes its function by causing the CPU 211 to execute a program stored in the memory 212 of the card issuer server 111 . Also, the privilege storage unit 506 is realized by the memory 212 of the card company server 111 .

Next, giving a privilege by using the receipt 132 after completing the transaction with cash without using the credit card 122 will be described. For example, the store terminal device 131 displays a display screen (hereinafter referred to as a "guidance screen") containing a message such as "You can get more points by using cash rather than by credit card." good too. In this way, the store terminal device 131 makes it possible for the user to benefit more from the benefit granted by performing the transaction without using the credit card 122 than the benefit granted by performing the transaction using the credit card 122. It is possible to inform the user that the degree is high, and to encourage the user to make a transaction without using the credit card 122 .

In addition, the shop terminal device 131 may, for example, display the guidance screen regardless of the transaction using the credit card 122 (for example, all the time). It may be displayed at other times (for example, when the store terminal device 131 receives an operation for card payment).

The store terminal device 131 displays a guidance screen according to the settings made to the own terminal by store staff or the like, for example. In addition, the card company server 111 transmits information instructing display of the guidance screen to the store terminal device 131, and the store terminal device 131 displays the guidance screen according to the information received from the card company server 111. You may do so.

Also, in this case, the card company server 111 transmits information instructing the display of the guide screen to the store terminal device 131 based on the operation status of the device (for example, the own device) that performs the credit determination. Alternatively, information instructing the display of the guidance screen is transmitted to the shop terminal device 131 during a preset busy time period (for example, the date and time when the credit judgment is expected to reach its peak). may

The cash transaction input unit 521 of the shop terminal device 131 inputs information indicating the price when the user pays the price in cash. Cash transaction input unit 521 outputs information indicating the input consideration to receipt information generation unit 522 . The cash transaction input unit 521 is implemented by the input device 224 of the store terminal device 131 .

The receipt information generation unit 522 inputs information indicating the price from the cash transaction input unit 521 . Receipt information generation unit 522 generates receipt information indicating the price indicated by the information input from cash transaction input unit 521 , the store where the device is installed, and the identifier of receipt 132 . The receipt information specifically includes information indicating the price, identification information indicating the store, and the identifier of the receipt 132 . The identifier of the receipt 132 is the identifier of the transaction that triggered the issuance of the receipt 132 . Therefore, receipts 132 issued for different transactions are not given the same identifier.

Receipt information generation unit 522 outputs the generated receipt information to receipt information output unit 523 and receipt information storage unit 524 . The receipt information generation unit 522 realizes its function by causing the CPU 221 to execute a program stored in the memory 222 of the shop terminal device 131 .

The receipt information output section 523 outputs the receipt information generated by the receipt information generation section 522 . Receipt information output unit 523 prints out receipt information on a receipt 132 such as a receipt, for example. Further, the receipt information output unit 523 expresses the receipt information in a QR code and prints it on the receipt 132 . The receipt information output unit 523 is implemented by the output device 223 of the store terminal device 131 .

The receipt information output unit 523 is not limited to printing out the receipt information. For example, the receipt information may be transmitted to the user terminal device 121 by short-range communication. Near field communication is communication such as Bluetooth (registered trademark), NFC (Near Field Communication), and Wi-Fi (registered trademark), for example. The receipt information output unit 523 may display the QR code on the display so that it can be read by the camera of the user terminal device 121 without being limited to printing the QR code on the receipt 132 .

The receipt information storage unit 524 stores the receipt information generated by the receipt information generation unit 522 . The receipt information storage unit 524 is implemented by the memory 222 of the store terminal device 131 .

The user terminal device 121 reads the receipt information written on the receipt 132 by being operated by the user. For example, the user terminal device 121 reads the receipt information by photographing the QR code written on the receipt 132 with a camera built into the user terminal device 121 . The user terminal device 121 transmits the read receipt information to the card company server 111 .

For example, the QR code may contain the address of the card issuer server 111 . The user terminal device 121 may automatically send an e-mail to the card company server 111 by reading the receipt information. In addition, the user terminal device 121 transmits information identifying the user to the card company server 111 together with the receipt information. The information identifying the user is, for example, information indicating the card number of the user's credit card 122, but is not limited to this. For example, the user terminal device 121 has address information registered in the card company server 111 . Therefore, even if the user terminal device 121 transmits its own address information to the card company server 111, the card company server 111 can identify the user from the received address information. Also, the user terminal device 121 may transmit receipt information and the like via SNS (Social Networking Service). In this case, the SNS account can be used as information for identifying the user.

The card company server 111 receives receipt information from the user terminal device 121 . The receipt information received from the user terminal device 121 is input to the receipt information input unit 501 . That is, receipt information is input to the receipt information input unit 501 in response to a request from the user. A request from the user is made via the user terminal device 121, for example.

For example, the receipt information input unit 501 receives a request from a user who causes the user terminal device 121 to read a QR code containing receipt information and causes the user terminal device 121 to transmit the receipt information. , the receipt information is entered. The receipt information input unit 501 then outputs the input receipt information to the transmission control unit 502 . Receipt information input unit 501 is an example of reception means according to the present invention, and is realized by communication IF 213 of card company server 111 .

However, the request from the user is not limited to being made via the user terminal device 121 . For example, the request may be made by the user sending the receipt 132 itself to the card company 110 . In this case, for example, the staff of the card company 110 may use the receipt 132 to input the receipt information to the receipt information input section 501 . When the staff of the card company 110 inputs receipt information, the receipt information input unit 501 is realized by the input device of the card company server 111 .

Further, the image data of the receipt 132 photographed by the user may be transmitted from the user terminal device 121 to the card company server 111 . In this case, for example, the staff of the card company 110 may use the receipt 132 indicated by the image data to input the receipt information into the receipt information input unit 501, or the card company server 111 may input the receipt information (not shown). may input the receipt information to the receipt information input unit 501 by performing image analysis on the image data of the receipt 132 .

It should be noted that the user may not know whether the store that generated the receipt information is a member store of the card company 110 or not. For this reason, the receipt information input unit 501 may receive receipt information generated by a store that is not a member store.

The transmission control unit 502 controls the receipt information transmission unit 503 to transmit the receipt information to the store terminal device 131 of the store indicated by the receipt information input to the receipt information input unit 501 . Specifically, the transmission control unit 502 determines whether or not the store indicated by the receipt information input to the receipt information input unit 501 is a member store.

The transmission control unit 502 causes the receipt information transmission unit 503 to transmit the receipt information when the store is a member store. Transmission control unit 502 realizes its function by causing CPU 211 to execute a program stored in memory 212 of card company server 111 . Receipt information transmission unit 503 is realized by communication IF 213 of card company server 111 .

The receipt information receiving unit 525 of the shop terminal device 131 receives the receipt information transmitted from the card company server 111 . Receipt information receiving section 525 outputs the receipt information received from card company server 111 to receipt information determining section 526 . Receipt information receiving unit 525 is realized by communication IF 225 of store terminal device 131 .

The receipt information determination unit 526 determines whether or not the identifier indicated by the receipt information received by the receipt information reception unit 525 matches the identifier indicated by the receipt information generated by the receipt information generation unit 522. (hereinafter referred to as “identifier determination”). Specifically, the identifier determination is performed by checking whether the identifier (receipt ID) indicated by the receipt information received by the receipt information receiving unit 525 matches the identifier indicated by the receipt information stored in the receipt information storage unit 524. It is a judgment whether to do or not. Receipt information determination section 526 outputs the determination result of identifier determination to determination result transmission section 527 .

If the identifier determination is affirmative, the receipt information determination unit 526 invalidates the receipt information. Further, the receipt information determining unit 526 may invalidate the receipt information when a predetermined period (for example, one month) has passed since the receipt information was generated by the receipt information generating unit 522. . Alternatively, the receipt information determination unit 526 may delete the receipt information from the receipt information storage unit 524 instead of invalidating the receipt information.

If the receipt information received by the receipt information receiving unit 525 is invalidated receipt information, the receipt information determination unit 526 makes a negative determination in identifier determination. The receipt information determination unit 526 realizes its function by causing the CPU 221 to execute a program stored in the memory 222 of the shop terminal device 131 .

The determination result transmission unit 527 transmits the determination result of identifier determination determined by the receipt information determination unit 526 to the card company server 111 . The determination result transmission unit 527 is implemented by the communication IF 225 of the store terminal device 131 .

The card company server 111 receives the determination result of identifier determination transmitted from the determination result transmission unit 527 of the shop terminal device 131 . Specifically, the determination result reception unit 504 of the card company server 111 receives the determination result of the identifier determination (specifically, the identifier indicated by the receipt information transmitted by the receipt information transmission unit 503 is the store terminal device 131 ) is received from the shop terminal device 131 as to whether or not the receipt information generated in step 2 matches with the identifier indicated by the receipt information. The determination result receiving section 504 outputs the received determination result to the storage control section 505 . The determination result receiving unit 504 is implemented by the communication IF 213 of the card company server 111 . Also, the transmission control unit 502, the receipt information transmission unit 503, and the determination result reception unit 504 are examples of the transaction information inquiry means according to the present invention.

Based on the determination result of the identifier determination received by the determination result receiving unit 504, the storage control unit 505 associates the benefits (points) corresponding to the price indicated by the receipt information with the card information and stores them in the benefit storage unit 506. Let The card information referred to here is the card information of the card owned by the user who requested the input of the receipt information to the receipt information input unit 501 . For the card owned by the user, for example, the card company server 111 can identify the card based on the card number and the holder ID sent together with the receipt information. Also, the benefits are not limited to points, and may be cash returns or the like.

When the determination result received by the determination result receiving unit 504 is a positive determination result, the storage control unit 505 associates a benefit corresponding to the price indicated by the receipt information with the card information, and stores the benefit storage unit 506. be memorized. Thus, in the present embodiment, benefits can be given to the user by using the receipt information after completing the transaction with cash.

On the other hand, when the determination result of the identifier determination received by the determination result receiving unit 504 is a negative determination, the storage control unit 505 stores a privilege according to the price indicated by the receipt information in the privilege storage unit 506. don't remember.

Next, it will be explained that the same receipt information is not used to give a privilege more than once. When the memory control unit 505 causes the privilege storage unit 506 to store a benefit corresponding to the price indicated by the receipt information, even if the receipt information indicating the price is input by the receipt information input unit 501 again, The privilege corresponding to the consideration is not stored in the privilege storage unit 506 .

For example, when the privilege is stored in the privilege storage unit 506, the storage control unit 505 determines that even if the receipt information is input by the receipt information input unit 501 again, the identifier determination performed in the store terminal device 131 is not performed. Since the determination result is a negative determination, the privilege corresponding to the price indicated by the receipt information is not stored in the privilege storage unit 506 .

However, if the storage control unit 505 causes the privilege storage unit 506 to store the privilege corresponding to the price indicated by the receipt information, the storage control unit 505 stores the privilege corresponding to the receipt information as the privilege. It may be stored in the storage unit 506 . In this case, when the receipt information is input by the receipt information input unit 501 again, the storage control unit 505 stores the same receipt ID as the receipt ID indicated by the receipt information in the privilege storage unit 506. If the receipt information is stored, the privilege storage unit 506 may not store the privilege corresponding to the receipt information. Storage control unit 505 realizes its function by causing CPU 211 to execute a program stored in memory 212 of card company server 111 .

Next, the timing for transmitting the receipt information from the card issuer server 111 to the store terminal device 131 will be described. First, in the present embodiment, the timing of granting benefits to users who have already paid in cash does not require real-time processing unlike normal transactions (credit determination) using the credit card 122 . Therefore, the process of giving a privilege to a user who has already paid in cash can be performed at any time before notifying the user of the privilege.

From this point of view, in the present embodiment, the transmission control unit 502 controls the receipt information transmission unit 503 so that the receipt information input by the receipt information input unit 501 is indicated by the receipt information. It is transmitted to the shop terminal device 131 of the shop at a predetermined timing.

The predetermined timing is, for example, a quiet time period excluding a busy time period during which card payment processing performed by the payment control unit 508 is congested. The busy time zone is, for example, 16:00 to 18:00 on weekends and holidays. As a result, the transmission control unit 502 can avoid the busy hours and cause the store terminal device 131 to transmit the receipt information. Therefore, the load of processing performed by the CPU 211 of the card company server 111 during busy hours can be reduced.

In addition, from the viewpoint of reducing the load of processing performed by the CPU 211 of the card company server 111 during busy hours, the storage control unit 505 associates a benefit corresponding to the price indicated by the receipt information with the card information. The process of storing in the storage unit 506 may be performed at a predetermined timing. That is, the storage control unit 505 may store the privilege in the privilege storage unit 506 in association with the card information while avoiding the busy time zone. For this purpose, the determination result transmission unit 527 of the shop terminal device 131 may transmit the determination result of the identifier determination to the card company server 111 at a predetermined timing.

Next, the privilege given to the user will be explained. The privilege according to the price indicated by the receipt information is different from the privilege according to the payment of the card settlement. For example, the privilege according to the price indicated by the receipt information is a privilege with a higher degree of profit for the user than the privilege according to the payment of card settlement (see point grant DB 113 in FIG. 3B). Accordingly, it is possible to encourage transactions in cash and awarding of benefits using the receipt 132 .

Also, the privilege corresponding to the price indicated by the receipt information is a privilege that differs depending on the date and time when the user paid the price. The date and time here is, for example, a busy time zone or a quiet time zone. Also, the crowded time zone is the time zone from 16:00 to 18:00 on weekends and holidays.

For example, if the date and time when the user paid the price (that is, the date and time when the transaction was made) is in a busy time zone, the benefit according to the price indicated by the receipt information is more profitable for the user than in a quiet time zone. (refer to the point grant DB 113 in FIG. 3B). In other words, if the date and time when the user pays the consideration is the off-peak time period, the benefit is less profitable for the user than the benefit during the busy time period. Also, the privilege in the off-peak time zone is, for example, a privilege with a higher degree of profit for the user than the privilege corresponding to the payment of card settlement. Accordingly, it is possible to encourage transactions in cash and awarding of benefits using the receipt 132 .

Here, the congestion time period may be set to a plurality of time periods according to the state of congestion, instead of being set to one time period. For example, among the busy hours of 4:00 p.m. to 6:00 p.m. on Saturdays, Sundays, and public holidays, December is the busiest time, followed by July, followed by long holidays. A plurality of busy time zones may be set according to the time.

If it is possible to have multiple congestion time zones according to the congestion situation, for example, the benefits according to the price indicated by the receipt information will be changed according to the time zone of the date and time when the user paid the price. Different benefits may be provided. For example, if the date and time when the user pays the price is the busiest time (16:00 to 18:00 on Saturdays, Sundays and public holidays in December), the privilege should be the highest profit for the user. Also, for example, if the date and time when the user paid the price is a time zone with a low degree of congestion (16:00 to 18:00 on Saturdays, Sundays, and public holidays during long holidays), the benefits will be available during the most crowded time zone. In comparison, the degree of profit for the user should be low.

Next, it will be explained how to notify the user to prompt the transaction in cash. For example, the store terminal device 131 may notify the user to make a transaction in cash when the user pays at the store. Alternatively, the user terminal device 121 may make the notification by receiving information indicating the notification from the card company server 111 . Further, the notification may be made according to the time zone, and specifically, may be made during the busy time zone. In addition, the notification may include that the benefit given using the receipt 132 after the transaction is made in cash is a benefit with a higher degree of profit for the user than the benefit according to the payment of the card settlement. good.

Next, a fee charged between the card company 110 and the store will be explained. For example, the commission charged by the card company 110 to the shop where the shop terminal device 131 is installed is a commission corresponding to the payment of card settlement, that is, a commission corresponding to a normal commission rate. In addition, for example, if the fee for granting a privilege using the receipt 132 after a transaction in cash is regarded as a minus fee for the card company 110, the store in which the store terminal device 131 is installed charges the card company 110. The fee is, for example, a fee corresponding to the price indicated by the receipt information. In addition, the fee for granting a privilege using the receipt 132 after a cash transaction is treated as a plus fee for the card company 110, and the fee charged by the card company 110 to the store where the store terminal device 131 is installed is used as the card fee. It may include a commission corresponding to the payment of settlement and a commission corresponding to the value indicated by the receipt information. However, even in this case, the fee corresponding to the consideration indicated by the receipt information shall be a different fee from the fee corresponding to the payment of the card payment. It is preferable to make it inexpensive (see fee DB 114 in FIG. 3C). As a result, the store can be encouraged to make transactions in cash and to give benefits using the receipt 132 .

Further, for example, the fee according to the price indicated by the receipt information is a different fee depending on the date and time when the user paid the price. The date and time here is, for example, a busy time zone or a quiet time zone. For example, if the date and time when the user paid the price is during the busy time zone, the fee corresponding to the price indicated by the receipt information is set to be cheaper than during the off-peak time zone (see fee DB 114 in FIG. 3C). In other words, if the date and time when the user pays the fee is during off-peak hours, the fee is set higher than during busy hours. Also, for example, the commission during off-peak hours is set to be cheaper than the commission corresponding to the payment of card settlement. This can encourage transactions in cash.

If the congestion time zone can have multiple congestion time zones according to the congestion situation, for example, the fee corresponding to the price indicated by the receipt information will be calculated according to the time zone of the date and time when the user paid Different fees may apply. For example, if the date and time when the user pays the fee is the busiest time (16:00 to 18:00 on Saturdays, Sundays and public holidays in December), the lowest fee may be used. Also, for example, if the date and time when the user paid the price is a time zone with a low degree of congestion (16:00 to 18:00 on Saturdays, Sundays, and holidays during long holidays), compared to the most crowded time zone, High fees may apply.

Next, the receipt 132 issued by the shop terminal device 131 may be associated with the user who made the transaction in cash, and this will be explained. For example, the receipt information transmitted from the user terminal device 121 to the card company server 111 may include information for identifying the user. Information for identifying a user is, for example, information for identifying membership information of a card possessed by the user. Specifically, the information for identifying the user is information associated with card information, such as biometric information such as fingerprints, card number, and the like.

For example, the shop terminal device 131 may be provided with a fingerprint sensor for detecting the fingerprint information of the user, and the fingerprint information may be received from the user by the fingerprint sensor when issuing the receipt 132 . Then, the store terminal device 131 may issue a receipt 132 describing the fingerprint information and the receipt information received from the user.

Also, the user terminal device 121 may read the receipt information and fingerprint information described in the receipt 132 with a built-in camera and transmit the read information to the card company server 111 . As a result, the card company server 111 can associate the receipt 132 issued by the store terminal device 131 with the user who made the transaction in cash. It is possible to suppress fraud such as users who have not made a transaction to give benefits to their card information.

In addition, when the user requests the granting of a privilege by sending the receipt 132 itself to the card company 110, the receipt 132 is provided with a predetermined area for taking a fingerprint, and the It is also possible to let the person touch the finger. In this case, the staff of the card company 110 may input the receipt information and the fingerprint information collected in the predetermined area into the receipt information input section 501 . As a result, the card company server 111 can associate the receipt 132 issued by the shop terminal device 131 with the user who has made a transaction with cash.

(Example of receipt 132)
Next, an example of the receipt 132 will be described with reference to FIG. FIG. 6 is an explanatory diagram showing an example of the receipt 132. As shown in FIG. 6, the receipt 132 includes a store name 601, a telephone number 602, a receipt issue date and time 603, a purchased product 604, a purchase amount 605, an identifier 606 of the receipt 132, a store identification information 607, a QR code 608, and notification information. 609 is printed.

Specifically, the receipt 132 indicates that a total of ¥12,600 of merchandise was purchased in cash at XX department store at 17:53 on January 5, 2018. The receipt 132 indicates that the identifier 606 of the receipt 132 is "12345" and the store identification information 607 is "6789". The QR code 608 is obtained by coding the receipt information written on the receipt 132 . The notification information 609 indicates that a privilege can be given using a receipt after the transaction is completed in cash, that the return rate of the privilege is high, and that the transaction is completed in cash during busy hours. Therefore, it shows that the return rate of the privilege becomes higher.

The user terminal device 121 takes an image of the QR code 608 with a built-in camera, reads the receipt information described in the receipt 132 , and transmits the read receipt information to the card company server 111 .

(Example of receipt creation processing procedure performed by store terminal device 131)
Next, an example of a receipt creation processing procedure performed by the store terminal device 131 will be described with reference to FIG. FIG. 7 is a flowchart showing an example of a receipt creation processing procedure performed by the store terminal device 131. As shown in FIG.

In FIG. 7, the store terminal device 131 determines whether or not to start accounting (step S701). The start of accounting is, for example, the start of accounting procedures by a store staff at a cash register in a store. The shop terminal device 131 waits until the transaction is started (step S701: No).

When starting accounting (step S701: Yes), the shop terminal device 131 accepts the price (amount) of the product (step S702). For example, the store terminal device 131 uses a barcode reader to read the barcode attached to the product, thereby accepting the price of the product. Then, the store terminal device 131 acquires information on the current date and time (step S703).

Then, the store terminal device 131 determines whether or not the purchase is cash purchase (step S704). If the purchase is not cash purchase (step S704: No), that is, if the transaction is performed using a card, the store terminal device 131 requests the card company server 111 for card payment (step S705). Then, the store terminal device 131 determines whether or not the payment result has been received from the card company server 111 (step S706).

The store terminal device 131 waits until it receives the settlement result from the card company server 111 (step S706: No), and when it receives the settlement result from the card company server 111 (step S706: Yes), it displays on the display or by the printer. The settlement result is output by printing or the like (step S707), and the series of processing ends.

On the other hand, in step S704, if the purchase is cash (step S704: Yes), the store terminal device 131 acquires the receipt ID and the store ID (step S708). The store terminal device 131 then generates receipt information indicating the receipt ID, store ID, price, and current date and time (step S709). The store terminal device 131 also encodes the generated receipt information into a QR code or the like.

The store terminal device 131 outputs the receipt information in the form of a QR code, characters or numbers (step S710). Then, the store terminal device 131 stores the receipt information in the receipt information DB 133 (see FIG. 3D) (step S711), and ends the series of processes.

According to the processing described above, the store terminal device 131 can output the receipt information certifying the purchase when the user purchases the product with cash.

(An example of a procedure for granting a privilege using receipt information performed by the card company server 111)
Next, with reference to FIG. 8, an example of a procedure of privilege provision processing using receipt information performed by the card company server 111 will be described. FIG. 8 is a flow chart showing an example of a procedure of privilege giving processing using receipt information performed by the card company server 111 .

In FIG. 8, the card company server 111 determines whether receipt information has been received from the user terminal device 121 (step S801). The card company server 111 waits until receipt information is received from the user terminal device 121 (step S801: No). When receiving the receipt information from the user terminal device 121 (step S801: Yes), the card company server 111 determines whether the store indicated by the receipt information is a member store (step S802).

If the store indicated by the receipt information is not a member store (step S802: No), the card company server 111 transmits error information to the user terminal device 121 (step S803), and terminates the series of processes. On the other hand, if the store is a member store (step S802: Yes), the card company server 111 transmits the receipt information received from the user terminal device 121 to the store terminal device 131 (step S804). Details of processing when the store terminal device 131 receives the receipt information will be described later with reference to FIG.

Then, the card issuer server 111 determines whether or not the determination result of the identifier determination has been received from the shop terminal device 131 (step S805). Specifically, identifier determination is performed by confirming that the receipt ID indicated by the receipt information received by the card company server 111 from the user terminal device 121 matches the receipt ID indicated by the receipt information generated by the shop terminal device 131. It is a judgment whether to do or not.

The card company server 111 waits until it receives the determination result of identifier determination from the shop terminal device 131 (step S805: No). When the card company server 111 receives the determination result of the identifier determination from the store terminal device 131 (step S805: Yes), it determines whether the received determination result is an affirmative determination result (step S806).

If the received determination result is not an affirmative determination result (step S806: No), the card company server 111 proceeds to step S803. On the other hand, when the received determination result is an affirmative determination result (step S806: Yes), the card company server 111 determines whether the date and time indicated by the receipt information is in a busy time zone (step S807). ).

If the date and time indicated by the receipt information is in the busy time period (step S807: Yes), the card company server 111 refers to the point grant DB 113 (see FIG. 3B) and determines the congested time grant rate (point grant rate). Acquire (step S808). Then, the card company server 111 refers to the fee DB 114 (see FIG. 3C) and acquires the fee rate for the busy time zone (step S809).

Then, the card company server 111 adds and stores a benefit corresponding to the price indicated by the receipt information and the acquired grant rate to the accumulated points in the card information DB 112 (see FIG. 3A) (step S810). Further, the card company server 111 adds and stores a fee corresponding to the consideration indicated by the receipt information and the acquired fee rate to the accumulated fee in the fee DB 114 (see FIG. 3C) (step S811). End the process.

On the other hand, in step S807, if the date and time indicated by the receipt information is not in the busy time zone (step S807: No), that is, if it is in the off-peak time zone, the card company server 111 updates the point giving DB 113 (see FIG. 3B). By referring to it, the grant rate (point grant rate) for the off-hour period is obtained (step S812). Then, the card company server 111 refers to the fee DB 114 (see FIG. 3C), acquires the fee rate for the off-peak hours (step S813), and proceeds to step S810.

According to the above-described processing, the card company server 111 can use the receipt information of the receipt 132 to give benefits to the user after the user completes the transaction with cash.

(Example of identifier determination processing procedure performed by store terminal device 131)
Next, an example of the identifier determination processing procedure performed by the store terminal device 131 will be described with reference to FIG. FIG. 9 is a flowchart showing an example of an identifier determination processing procedure performed by the store terminal device 131. As shown in FIG.

In FIG. 9, the store terminal device 131 determines whether receipt information has been received from the card company server 111 (step S901). The store terminal device 131 waits until receipt information is received from the card company server 111 (step S901: No). When receiving the receipt information from the card company server 111 (step S901: Yes), the store terminal device 131 performs identifier determination (step S902). Identifier determination is, specifically, whether or not the receipt ID indicated by the receipt information received from the card company server 111 matches the receipt ID stored in the receipt information DB 133 (see FIG. 3D). Judgment.

Then, the shop terminal device 131 determines whether or not the determination result of the identifier determination is an affirmative determination result (step S903). If the determination result of the identifier determination is a positive determination (step S903: Yes), the store terminal device 131 refers to the receipt information DB 133 (see FIG. 3D) to determine whether the receipt information is valid. (step S904).

If the receipt information is valid (step S904: Yes), the store terminal device 131 invalidates the receipt information (step S905). Then, the shop terminal device 131 transmits a positive judgment result to the card company server 111 (step S906), and ends the series of processes.

On the other hand, in step S903, if the determination result of the identifier determination is not a positive determination result (step S903: No), that is, if the determination result is a negative determination, the store terminal device 131 returns a negative determination result. is sent to the card company server 111 (step S907), and the series of processing ends. Also, if the receipt information is invalid (step S904: No), the shop terminal device 131 proceeds to step S907.

According to the processing described above, the store terminal device 131 can transmit to the card company server 111 the determination result of the identifier determination as to whether or not the receipt information received from the card company server 111 was generated by the own device. can.

As described above, according to the card company server 111 according to the present embodiment, after the user pays the price in cash, the receipt information is used to give the user a privilege corresponding to the price. be able to. As a result, even if the user completes the payment procedure with cash without presenting the card, the user can receive the benefit of the card member. In particular, if the user has a plurality of credit cards 122 from different card companies 110, after completing the cash payment procedure, for example, among the plurality of credit cards 122, the most profitable credit card for the user A high credit card 122 can be selected and benefits can be obtained. Therefore, according to the card company server 111 according to the present embodiment, it is possible to improve the convenience of the card.

Here, the payment system 100 is constructed so as to be able to cope with the busy hours when the credit determination processing performed in response to the card use inquiry (authorization) from the shop terminal device 131 is most frequently performed. Equipment investment is carried out so that the processing of credit determination will not be delayed during busy hours. According to the card company server 111 according to the present embodiment, it is possible not to perform card usage inquiry and credit determination processing, so that the number of credit determination processes can be reduced. can reduce the load on In particular, since it is possible to reduce the number of processes for credit determination during busy hours, it is possible to reduce the processing load for credit determination during busy hours. Therefore, the capital investment required for the settlement system 100 can be suppressed.

In addition, according to the card company server 111 of the present embodiment, since the payment in cash has been completed at the store, it is possible to prevent so-called omission of collection, in which the user does not pay cash. Further, for example, a user who has failed to pay a payment more than a predetermined number of times within a predetermined period of time in the past may be prompted to make transactions in cash and to give points thereafter. As a result, recovery leakage can be prevented.

Moreover, according to the card company server 111 according to the present embodiment, after the user completes the payment in cash first, the privilege can be granted to the user. As with transactions, the card company 110 can be prevented from temporarily making payments (borrowing money). As a result, it is possible to give benefits as a member of the credit card 122 to users who do not like debts and want to make transactions in cash. In this way, since it is possible to provide a new method of using the credit card 122, it is possible to encourage users who do not like debt to become members.

In addition, according to the card company server 111 according to the present embodiment, it is possible to make the store obtain cash more quickly than in ordinary transactions using the credit card 122 . For example, a store may obtain cash twice a month through normal transactions using the credit card 122, but may obtain cash each time through a cash transaction.

In addition, according to the card company server 111 according to the present embodiment, the capital investment required for the payment system 100 can be suppressed, so that the fee charged to the store can be reduced.

Further, the card company server 111 according to the present embodiment is configured to transmit the receipt information to the store terminal device 131 at a predetermined timing (for example, off-peak hours). As a result, the card company server 111 transmits the receipt information to the store terminal device 131 during off-peak hours, for example, or based on the determination result of the identifier determination received from the store terminal device 131, the receipt information indicates A privilege corresponding to the price can be associated with the card information and stored. As a result, for example, the load of processing performed by the card company server 111 during busy hours can be reduced.

Further, the card company server 111 according to the present embodiment sets the privilege according to the price indicated by the receipt information as a privilege different from the privilege according to the payment by the credit card 122 . For example, the card company server 111 determines that the benefit corresponding to the price indicated by the receipt information is more profitable for the user than the benefit corresponding to payment by the credit card 122 . As a result, transactions using cash can be encouraged, and transactions using the credit card 122 can be reduced.

Further, the card company server 111 according to the present embodiment makes the privilege according to the price indicated by the receipt information different according to the date and time when the user pays the price. As a result, for example, when the date and time when the user pays the price is during the busy time zone, the benefit corresponding to the price indicated by the receipt information is made to be a benefit with a higher degree of profit for the user than during the off-peak time zone. be able to. As a result, transactions using cash can be encouraged during busy hours, and transactions using the credit card 122 can be reduced.

In addition, in the present embodiment, the card company server 111 treats the fee according to the payment of the card payment and the fee according to the price indicated by the receipt information as different fees. As a result, the fee corresponding to the consideration indicated by the receipt information can be made cheaper than the fee corresponding to the payment of card settlement. As a result, transactions using cash can be encouraged, and transactions using the credit card 122 can be reduced.

Further, in the present embodiment, the card company server 111 sets the fee corresponding to the price indicated by the receipt information as a different fee depending on the date and time when the user paid the price. As a result, for example, when the date and time when the user pays the price is during the busy time zone, the fee corresponding to the price indicated by the receipt information can be made cheaper than during the off-peak time zone. As a result, transactions using cash can be encouraged, and transactions using the credit card 122 can be reduced.

In addition, in the present embodiment, the card company server 111 includes information for specifying member information in the receipt information, and adds benefits according to the price indicated by the receipt information to the member information indicated by the receipt information. They may be stored in association with each other. As a result, since the receipt 132 can be made for each member, it is possible to prevent fraudulent use of the received receipt 132 to grant benefits even though the payment is not actually made in cash.

In addition, in the present embodiment, the card company server 111 may transmit receipt information to the user terminal device 121 not only by outputting the receipt 132, but also by using short-range communication. A QR code indicating the receipt information may be displayed on the display so that it can be read by the camera of the user terminal device 121 . As a result, the receipt information can be input to the user terminal device 121 of the user who paid in cash. Therefore, benefits can be given only to users who have paid in cash. Therefore, it is possible to prevent fraud such as granting a privilege to a user who has not paid in cash.

Further, the store terminal device 131 according to the present embodiment generates receipt information, and determines whether the identifier indicated by the receipt information received from the card company server 111 matches the identifier indicated by the generated receipt information. is transmitted to the card company server 111. This makes it possible to prove that the receipt information is generated by the store terminal device 131 . As a result, even if the user completes the payment procedure with cash without presenting the card, the user can receive the benefit of the card member.

In particular, the user can select the credit card 122 with the highest degree of profit for the user from among the plurality of credit cards 122 owned by the user, and obtain benefits after finishing the payment procedure in cash. . Therefore, according to the store terminal device 131 according to the present embodiment, it is possible to improve the convenience of the card.

Also, in the present embodiment, the settlement apparatus of the present invention is applied to the card company server 111 of the card company 110, but the present invention is not limited to this. For example, if it becomes possible to share various types of information between different industries using the API (Application Programming Interface) of the credit card 122, a server of a company other than the card company 110 (for example, a bank server, Insurance company's server) can also implement the settlement apparatus of the present invention.

Note that the settlement method described in the present embodiment can be realized by executing a prepared program on a computer such as a personal computer or a workstation.

Further, the settlement program described in the present embodiment can be stored in a hard disk, flexible disk, CD (Compact Disc)-ROM, MO (Magneto-Optical disk), DVD (Digital Versatile Disk), USB (Universal Serial Bus) memory, etc. It is stored in a computer-readable storage medium and executed by being read from the storage medium by a computer. Also, the settlement program may be distributed via a network such as the Internet.

As described above, the settlement device, settlement method, and settlement program according to the present invention are useful as a settlement device, settlement method, and settlement program for giving benefits to credit card 122 members. It is suitable for a payment device, payment method and payment program that allow the user to receive benefits as a card member even if the payment is completed without using it.

100 Settlement System 110 Card Company 111 Card Company Server 112 Card Information DB
113 Point Grant DB
114 Fee DB
121 User Terminal Device 122 Credit Card 131 Store Terminal Device 132 Receipt 133 Receipt Information DB
140 network

Claims (10)

Information input by a user who owns a settlement card in response to a request by operating a user terminal and indicating that said user has paid cash to a store for goods or services, said Receiving means for accepting transaction information indicating the user, the consideration, the store, and an identifier of the transaction in which the consideration was paid in cash;
a transaction information inquiry means for inquiring whether or not a transaction with an identifier indicated by the transaction information has been made with respect to a store terminal device of the store indicated by the transaction information received by the reception means;
identifying the user who owns the payment card by comparing the user terminal that has transmitted the transaction information received by the receiving means with preset related information between the user terminal and the user;
Based on the transaction information received by the reception means and the inquiry result of the transaction information inquiry means, the privilege according to the price indicated by the transaction information is associated with the card information of the payment card of the user. a control means for storing in a storage unit;
a notification means for notifying the user to prompt the user to make a transaction in cash during a busy time period when card payments using the payment card are frequent;
A settlement device characterized by comprising: The transaction information inquiry means inquires whether or not the transaction of the identifier indicated by the transaction information has been carried out during off-peak hours when card payments using the payment card are rare.
The settlement device according to claim 1, characterized by: The privilege corresponding to the consideration is a privilege that differs depending on the time zone in which the transaction is performed,
3. The settlement device according to claim 1 or 2, characterized by: If the time zone in which the transaction is conducted is a busy time zone with many card payments using the payment card, the benefit according to the consideration is not the time zone in which the transaction is conducted. is a privilege with a higher degree of profit for the user than the privilege corresponding to the consideration of
4. The settlement device according to claim 3, characterized by: When a card settlement request requesting payment of the consideration to the store by card settlement using the settlement card of the user is received from the store terminal device, the consideration is based on the card settlement request. is further provided with payment processing means for performing card payment processing to pay by card payment using the payment card of the user,
When the payment processing means performs card payment processing for paying the consideration by card payment using the payment card of the user, the control means controls the repayment of the payment for the card payment by the user. In response to repayment to the card company that issued the payment card, a privilege different from the privilege corresponding to the consideration when the consideration is paid in cash is paid by card settlement. Store in the storage unit in association with the card information of the user's payment card as a privilege according to the consideration in the case,
The settlement device according to any one of claims 1 to 4, characterized in that: The privilege corresponding to the consideration when the consideration is paid in cash is a privilege with a higher degree of profit for the user than the privilege corresponding to the consideration when the consideration is paid by card payment.
6. The settlement device according to claim 5, characterized by: When a card settlement request requesting payment of the consideration to the store by card settlement using the settlement card of the user is received from the store terminal device, the consideration is based on the card settlement request. is further provided with payment processing means for performing card payment processing to pay by card payment using the payment card of the user,
The control means is
When the consideration is paid in cash and a privilege corresponding to the consideration is stored, the settlement card of the user is issued to the store based on the consideration and a first ratio. Calculate the transaction fee for the transaction in which the above-mentioned consideration charged by the card company is paid in cash,
In the case where the payment processing means pays the consideration by card payment using the payment card of the user, the consideration, a second rate different from the first rate, Based on, calculate the transaction fee for the transaction in which the consideration charged by the card company to the store is paid by card payment,
The settlement device according to any one of claims 1 to 6, characterized by: the first percentage is less than the second percentage;
8. The settlement device according to claim 7, characterized by: Information input by a user who owns a settlement card in response to a request by operating a user terminal and indicating that said user has paid cash to a store for goods or services, said Receiving transaction information indicating the user, the consideration, the store, and an identifier of the transaction in which the consideration was paid in cash,
inquiring whether or not the transaction of the identifier indicated by the transaction information has been performed with respect to the store terminal device of the store indicated by the received transaction information;
identifying the user who owns the payment card by comparing the user terminal that transmitted the accepted transaction information with preset related information between the user terminal and the user;
Based on the received transaction information and the inquiry result of the inquiry, a privilege corresponding to the consideration indicated by the transaction information is stored in a storage unit in association with the card information of the payment card of the user ,
Notifying the user to encourage a cash transaction when it is a busy time when card payments using the payment card are frequent,
A settlement method characterized in that processing is executed by a computer. Information input by a user who owns a settlement card in response to a request by operating a user terminal and indicating that said user has paid cash to a store for goods or services, said Receiving transaction information indicating the user, the consideration, the store, and an identifier of the transaction in which the consideration was paid in cash,
inquiring whether or not the transaction of the identifier indicated by the transaction information has been performed with respect to the store terminal device of the store indicated by the received transaction information;
identifying the user who owns the payment card by comparing the user terminal that transmitted the accepted transaction information with preset related information between the user terminal and the user;
Based on the received transaction information and the inquiry result of the inquiry, a privilege corresponding to the consideration indicated by the transaction information is stored in a storage unit in association with the card information of the payment card of the user ,
Notifying the user to encourage a cash transaction when it is a busy time when card payments using the payment card are frequent,
A settlement program characterized by causing a computer to execute processing.

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