WO2002017175A1 - Procede de paiement par carte pour facturation de service concernant une distribution ou un transport physiques - Google Patents
Procede de paiement par carte pour facturation de service concernant une distribution ou un transport physiques Download PDFInfo
- Publication number
- WO2002017175A1 WO2002017175A1 PCT/JP2001/007225 JP0107225W WO0217175A1 WO 2002017175 A1 WO2002017175 A1 WO 2002017175A1 JP 0107225 W JP0107225 W JP 0107225W WO 0217175 A1 WO0217175 A1 WO 0217175A1
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- WO
- WIPO (PCT)
- Prior art keywords
- payment
- information
- card
- service
- credit
- Prior art date
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Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
Definitions
- the present invention is intended to provide consumers with services related to logistics or transportation.
- a selection screen appears as to whether the payment method for the commodity is credit settlement or cash payment. If you wish to make a credit payment, and select credit payment, a screen will appear in which you will be prompted to enter your credit card number, sign and select a courier to deliver the goods. Consumers can also use the credit card number or cash card number of the credit card company or financial institution to which the seller is affiliated Issue the issue over the network. As a result, settlement is completed through the credit card company or financial institution.
- the present invention has been made in view of the above, and when providing services related to logistics or transportation to consumers, a service fee can be settled with a card, and the leakage of important personal information is prevented.
- the purpose is to provide a service payment method for service fees related to logistics or transportation that can be performed.
- the present invention provides a wireless communication line between a portable card reader carried by a service provider that provides services related to logistics or transportation to consumers and a settlement server provided at a settlement institution.
- a payment method for performing payment for the service fee by exchanging information of the service card wherein the portable card reader is used for payment of the consumer when providing the service to the consumer.
- the information of the payment card is read, and the read content is sent to a payment server that performs the settlement via a wireless communication line.
- the gist is that the service fee is settled in response to the inquiry result of the service.
- a payment method for performing payment for the service fee wherein the portable card reader reads information from a payment method issued by the payment institution, and wirelessly transmits the payment card information and service fee information.
- the payment server transmits the payment card information and the service charge information from the portable card reader via a wireless communication line to the payment server via a communication line.
- a credit inquiry of the consumer is made, and the result of the credit inquiry and the received service charge
- the service charge is settled in accordance with the report, and the result of the credit inquiry is transmitted to the portable card reader via a wireless communication line.
- the portable card reader receives a credit check from the settlement server via a wireless communication line.
- the gist of the present invention is to receive the meeting result and issue a receipt based on the received credit inquiry result and the service fee information.
- the gist of the invention is that the settlement server transfers an amount obtained by subtracting a commission that defeats settlement from the service charge to a settlement server of a financial institution that performs settlement for the service provider that provides the service.
- the gist is that the settlement server deletes the information of the settlement card received from the portable card reader after obtaining the credit inquiry result.
- the gist is that the portable card reader deletes the information of the consumer's payment card after obtaining the credit inquiry result.
- the gist is that the settlement institution is a credit company or a financial institution, and the settlement card is a credit card issued by a credit company or a debit card issued by a financial institution.
- a portable card reader carried by a service provider who provides services related to logistics or transportation to consumers and a settlement server provided at a settlement institution.
- a payment system for performing payment for the service fee wherein the portable card reader is configured to read information of a payment card used for payment of a consumer when providing the service to the consumer.
- a payment system for performing payment for the service fee, wherein the portable card reader reads information from a payment card issued by the payment institution, and reads information of the payment card and service fee information.
- Information transmitting means for transmitting to the payment server via a wireless communication line, wherein the payment server receives payment card information and service charge information from the portable card reader via a wireless communication line.
- Information receiving means for determining the validity of a predetermined payment card and the received payment power information.
- the portable card reader comprising: settlement means for settling a service charge based on the received service charge information; and result transmitting means for transmitting the credit inquiry result to the portable card reader via a wireless communication line.
- settlement means for settling a service charge based on the received service charge information
- result transmitting means for transmitting the credit inquiry result to the portable card reader via a wireless communication line.
- the payment server may further include a transfer unit for transferring an amount obtained by subtracting a payment-related fee from the service charge to a payment server of a financial institution that performs payment for the service provider that provides the service.
- the gist of the invention is that the settlement server has a deletion unit for deleting the information of the settlement card received from the portable card reader after obtaining the credit inquiry result.
- the gist of the present invention is that the portable card reader has a deletion means for deleting the information on the consumer's payment method after obtaining the credit inquiry result.
- the gist is that the settlement institution is a credit company or a financial institution, and the settlement card is a credit card issued by a credit company or a debit card issued by a financial institution.
- FIG. 1 is an overall conceptual diagram showing a card settlement system according to the present invention.
- FIG. 2 is a block diagram of the portable card reader 22.
- FIG. 3 is a block diagram of the host computer 33.
- FIG. 4 is a diagram showing the storage contents of the storage unit 73 provided in the host computer 33.
- FIG. 5 is a block diagram of the delivery management server 39.
- FIG. 6 is a diagram showing the storage contents of the storage unit 87 provided in the home delivery management server 39.
- FIG. 7 is a flowchart showing the operation of the portable card reader 22.
- FIG. 8 is a flowchart showing the operation of the host computer 33.
- FIG. 9 is a sequence diagram showing the operation of the home delivery card settlement system according to the present invention. BEST MODE FOR CARRYING OUT THE INVENTION
- FIG. 1 shows an overall conceptual diagram of a preferred card settlement system according to the present invention.
- the service provider is a courier service, and a detailed description will be given of an example of a cash-on-delivery service in which a consumer who receives the package pays a courier fee.
- a portable card reader 22 carried by a courier that provides services related to logistics or transportation to consumers can be connected to a communication line 31 such as a dedicated wireless communication line. It is.
- the communication line 31 is connected to one communication interface (not shown) of a host computer 33 provided in the information processing center.
- the other communication interface (not shown) of the host computer 33 It is connected to a communication line 35 such as the Internet.
- this communication line includes a payment server 37 provided at a credit company that plays the role of a payment institution, a service management server 39 provided at a courier company, and the courier company concluding a settlement contract.
- the settlement server 41 provided at the financial institution is connected.
- FIG. 2 shows a block diagram of the portable card reader 22.
- the portable card reader 22 includes an IZF (interface) unit 45, a card reader 47, a pen reader 49, a key board 51, a memory unit 53, a control unit 55, It consists of a communication processing unit 57, a display 59, and a printer 61.
- IZF interface
- the IC card I / F (interface) unit 45 can be connected to an IC card used for electronic money.
- the card reader 47 reads an authentication number, an expiration date, a credit company name, and the like stored as magnetic information on the credit card.
- the pen reader 49 reads the inquiry number from, for example, a barcode printed on the package tag. In the keypad 51, a service fee, an authentication number, and service identification information are input. Memory section
- the control unit 55 has an internal RAM for storing a terminal number unique to each portable card reader in advance and storing control data.
- the control unit 55 has a timer for measuring the date and time therein and controls each unit provided in the portable card reader.
- the communication processing unit 57 performs information communication with the host computer 33 via the communication line 31.
- the display 59 displays input contents and messages. Print the receipt when the card payment is completed.
- a power switch (not shown) provided in the portable card reader 22 The control program is read from the memory unit 53 into the control unit 55 by inputting the control command, and the operation guidance is displayed on the display 59, for example.
- the courier passes the credit card through the card reader 47 to read the force data, and the service charge and service identification information representing the service charge are input from the keypad 51, and the pen reader 49 inputs the bar code.
- the inquiry number is read from the keyboard and the authentication number is entered from the keyboard 51. Then, the terminal identification number of the portable card reader 22 stored in the memory unit 53 is read in advance, and the authentication number 'expiration date, service fee, service identification information, inquiry number, and authentication number are collected into one.
- FIG. 3 shows a block diagram of the host computer 33.
- the host computer 33 includes a communication processing unit 63, a communication control unit 65, a communication processing unit 67, a communication control unit 69, a control unit 71, and a storage unit 73. ing.
- the communication processing section 63 performs information communication with a plurality of portable card readers 22 via a plurality of communication lines 31.
- the communication control unit 65 controls the plurality of communication processing units 63.
- the communication processing unit 67 performs information communication with a plurality of servers 37, 39, 41 via a plurality of communication lines 35.
- the communication control unit 69 controls the plurality of communication processing units 67.
- the control unit 71 stores the date and time inside It has a timer for measuring time and controls each unit provided in the host computer.
- the storage unit 73 stores transaction information, card information, and terminal information as a database.
- FIG. 4 shows the storage contents of the storage unit 73 provided in the host computer 33. As shown in FIG.
- the database stored in the storage unit 73 stores an inquiry number indicating a service management number, a service fee, a service type, and the like as transaction information, and credit company information and card information as card information.
- the card number (stored only temporarily) is stored, and the terminal identification number of the portable card reader distributed to the home delivery company is stored as terminal information.
- the control section 71 stores the terminal collection information in a database of the storage section 73. Then, the credit check request to which the consumer's authentication number and the expiration date are added is transmitted from the communication processing unit 67 to the settlement server 37 provided in the credit company via the communication line 35.
- the control unit 71 stores the available information or the unavailable information included in the confirmation information in the database.
- the confirmation information is stored as force information corresponding to the inquiry number, and the confirmation information is transmitted from the communication processing unit 63 to the portable card reader 22 via the communication line 31.
- the control unit 71 deletes the credit card authentication number stored in the database provided in the storage unit 73. As described above, since the authentication number of the credit card once stored in the storage unit 73 is deleted, leakage of important personal information can be prevented. Further, the control unit 71 transmits the stored contents in the database of the storage unit 73 to the communication processing unit when the specified time for transferring the database contents agreed between the credit company and the courier company comes. From 67, the data is transferred to the service management server 39 provided in the home delivery company via the communication line 35. Then, the control unit 71 reads out the card information on the database in the storage unit 73, and reads out the service fee in the transaction information when the usable information is included in the confirmation information. It has the function of transmitting the amount (A), which is calculated by subtracting the credit fee from the fee, to the settlement server 41 provided at the financial institution with which the courier contracts the settlement.
- A the amount
- FIG. 5 shows a block diagram of the delivery management server 39.
- the service management server 39 includes a communication processing unit 75, a communication control unit 77, a control unit 79, a display control unit 81, a display unit 83, a keyboard 8 5.
- the communication processing unit 75 performs information communication with the host computer 33 or the settlement server 41 of the financial institution contracting with the home delivery company via the plurality of communication lines 35.
- the communication control unit 77 controls the plurality of communication processing units 75.
- the control unit 79 has a timer for measuring the date and time inside, and controls each unit provided in the service management server 39.
- the display control unit 81 displays on the display unit 83 the contents of information communication performed between the host computer 33 and the settlement server 41 and the contents stored in the storage unit 87.
- the keyboard 85 inputs character information.
- the storage unit 87 stores transaction information, force information, terminal information, and account information as a database.
- the database stored in the storage unit 87 stores, as transaction information, an inquiry number indicating a service management number or a service number.
- the service fee, service type, etc. are stored, credit company information is stored as card information, the terminal identification number of the portable reader that is distributed to the home delivery company is stored as terminal information, and account information is stored.
- Transaction details ⁇ Deposit amount is stored.
- the control unit 79 stores the received information in the database of the storage unit 87. Then, when the specified remittance completion time agreed between the credit company and the courier company is reached, a request for an account content inquiry is transmitted to the settlement server 41 of the financial institution to which the courier company has made a settlement contract. Then, the account information received from the settlement server 41 of the financial institution is stored in association with the inquiry number in the database of the storage unit 87.
- control unit 87 receives the service fee (A) from the credit company with respect to the account information corresponding to each inquiry number stored in the database,
- the deposit amount (A) in the account information of the database is read, and the amount (B) obtained by subtracting the home delivery fee from the deposit amount (A) is sent to the settlement server 43 provided at the financial institution with which the seller has made a settlement contract. It fulfills the function of transmitting.
- the flowchart of the portable card reader shown in FIG. 7 is stored as a program in the control unit 55
- the flowchart of the host computer shown in FIG. 8 is stored as a program in the control unit 71.
- the courier contracts with several credit companies in advance.
- the consumer purchases a specific product from the product seller, for example. It is assumed that an order has to be made and that only the price of this product be transferred to the financial institution to which the seller belongs in advance. The package is then handed to the courier from the seller, who then delivers the package to the consumer's home.
- the consumer receives the package from the courier, and the consumer hands the credit card of the credit company owned by the courier and for which the courier has a membership contract to the courier.
- the courier then inserts the credit card 20 into a power reader 47 provided on a small portable card reader 22 carried by the courier, and records the credit card on the card. And read the information.
- step K 10 the card reader 47 reads out the power information such as the authentication number and the expiration date for identifying the member recorded in the power 20, and the control unit 55. From the internal RAM provided in the memory unit 53.
- step K 20 the courier enters the cash on delivery service fee from the keyboard 51, and the service fee is temporarily stored in the internal RAM of the memory unit 53 from the control unit 55.
- step K30 the courier enters service identification information for identifying a service such as a transportation fee from the keypad 51, so that the service identification information is transmitted from the control unit 55 to the memory unit 53. Store it in the internal RAM temporarily.
- the courier can read the service inquiry number from the barcode written on a part of the tag using the pen reader 49, and the inquiry number is transmitted from the control unit 55 to the memory unit 5.
- step K 50 the courier sends the card from keyboard 51
- the authentication number shown in 20 Since the authentication number shown in 20 is input, the authentication number is temporarily stored in the internal RAM of the memory unit 53 from the control unit 55.
- step K60 the control unit 55 reads out the terminal identification number of the portable card reader 22 previously stored in the memory unit 53, and temporarily stores the terminal identification number in the internal RAM. It reads out card information such as authentication number and expiration date, service fee, service identification information, inquiry number, and authentication number, and uses these information as a set of terminal collection information.
- Host computer provided in
- control unit 71 of the host computer 33 that has received the terminal collection information from the portable card reader 22 via the communication line 31 causes the control unit 71 shown in FIG. As described above, the terminal collection information is stored in the storage unit 73 in the data base.
- step H20 a credit check request to which the consumer's authentication number and expiration date are added is transmitted to the settlement server 37 provided in the credit company via the communication network 35.
- the settlement server 37 provided at the credit company which has received the credit check request from the host computer 33 stores the authentication number and the expiration date added to the credit check request in a database (not shown) provided in its own server. In order to judge the validity of the stored credit card, it searches for a match with the authentication number given to the consumer, and this consumer still has a credit contract with the credit company and can still use it To the state Determine if there is.
- the settlement server 37 when the credit contract for the consumer is valid, the settlement server 37 generates confirmation information including the available information. On the other hand, if the credit contract for this consumer is invalid, confirmation information (credit inquiry result) including unusable information is generated. Then, the settlement server 37 returns the generated confirmation information to the host computer 33.
- the control unit 71 of the host computer 33 which has received the confirmation information from the settlement server 37 provided at the credit company, in step H30, uses the available information or the unavailable information included in the confirmation information in a database. It is stored as card information corresponding to the inquiry number.
- Step H40 the host computer 33 transmits this confirmation information to the portable card reader 22 via the communication line 31.
- the control section 71 deletes the credit card authentication number stored in the database provided in the storage section 73, and proceeds to step H60.
- the credit card authentication number once stored in the storage unit 73 is deleted after obtaining the result of the credit inquiry, so that it is possible to prevent leakage of important personal information of the consumer.
- the host computer 33 provided at the information processing center sends the consumer's authentication number and the transport price information by home delivery from the portable card reader 22 carried by the home delivery company via the communication line 31. And sends this authentication number to the settlement server 37 of the credit company that performs settlement for the consumer, and confirms whether the credit company can be used from the settlement server 37 of the credit company. When this is received, this confirmation information is transmitted to the portable power reader 22 so that the power read by the portable card reader is used. -You can make a credit inquiry for C.
- step K70 the portable card reader 22 is waiting until receiving confirmation information from the host computer 33.
- the portable card reader 22 having received the confirmation information from the host computer 33 proceeds to step K80, and determines whether or not the credit company can be used based on the confirmation information.
- the confirmation information includes the available information, the credit company is available, and the process proceeds to step K100.
- the unusable information is included in the confirmation information, the credit company cannot be used, and the process proceeds to step K90. If the credit company is not available, in step K 90, the control unit 55 reads, for example, the message information “This credit company cannot be used” from the memory unit 53 and displays it on the display 59. Displays an error.
- control unit 55 deletes the card information such as the consumer's authentication number and expiration date temporarily stored in the internal RAM of the memory unit 53, returns to step 10, and repeats the process.
- step K 100 the control unit 55 reads the service inquiry number, credit company, service fee, etc. from the memory unit 53, By adding the date and time read from as the delivery date and time, it generates receipt information indicating that payment for the cash on delivery service has been completed, outputs this receipt information to the printer 61, and prints the receipt.
- control unit 55 deletes the card information such as the consumer's authentication number and expiration date temporarily stored in the internal RAM of the memory unit 53, and The processing in the reader 2 ends.
- the printed receipt is separated from the pudding by the courier and passed to the consumer.
- the consumer's authentication number is read from the credit card issued by the credit company that performs the payment for the consumer, the service fee information of the home delivery payment service is entered, and the consumer's authentication number and payment
- the service charge information of the service is transmitted to the host computer 33 of the information processing center via a communication line, and information indicating that the credit company is available is received from the host computer 33 of the information processing center, Since the printer 61 prints a receipt indicating that payment for the cash-on-delivery service has been completed, it is possible to settle the transportation charges for the parcel delivered by the courier service using credit power.
- the consumer who ordered the product does not need to prepare cash in advance for the transportation of the package (product) to be delivered.
- the credit card authentication number once stored in the storage unit 73 is deleted after obtaining the credit inquiry result, so that leakage of important personal information of consumers is prevented. Can be prevented.
- control unit 71 of the host computer 33 provided in the information processing center determines the time read from the evening image in the database contents determined between the credit company and the courier company. It is determined whether or not the specified time for transferring the data has arrived. Until the specified time, the process returns to step HI 0 and the processing is repeated.
- step H70 the storage contents stored in the database of the storage unit 73 are transferred to the home delivery management server 39 provided in the home delivery company via the communication line 35. .
- step H80 the control unit 71 reads out the card information in the database of the storage unit 73, checks whether or not the confirmation information includes the available information, and checks the available information. If it is included, the service fee (transportation fee) of the service in the transaction information is read out, and the amount (A) obtained by subtracting the credit fee from this transportation fee is provided to the financial institution to which the courier contracts the settlement. To the settlement server 41, and ends the processing.
- the credit commission will be credited to the credit company by the specified payment date, and the transportation fee will be credited.
- the amount (A) is paid by the credit company to the financial institution with which the courier contracts for settlement.
- the host computer 33 provided in the information processing center receives the confirmation information indicating that the credit company can be used from the payment server 37 of the credit company that performs the payment for the consumer.
- the service fee information is returned, and the credit company sends the service fee payment request to the payment server 41 of the financial institution that performs the payment for the courier company. And pay the service fee to a financial institution that settles for the courier service.
- the settlement server 37 of the credit company that performs settlement for consumers can transfer the amount (A) obtained by subtracting the settlement fee from the service fee to the financial institution that performs settlement for the courier company. Credit companies can settle commissions for settlement and sell them.
- a credit card is issued by a credit card issued by a credit company that is a payment institution that performs payment for a consumer.
- Bank of Such a financial institution may be used, and in this case, the consumer can settle the service fee for the delivery service of the parcel delivered package by the debit card issued by the financial institution.
- a PIN registered in advance with a financial institution is entered.
- the card payment method is applied to a cash on delivery service in which a delivery fee is paid to a courier service when a package is delivered to a destination consumer's home and the package is received has been described.
- the present invention is not limited to such a case, and when the consumer delivers the package to the courier, the delivery fee of the package is also paid to the courier, and the courier transports the package such as household goods.
- the present invention can also be applied to a moving flight service or a charter flight service in which, for example, one truck is chartered for a predetermined period.
- an accounts receivable settlement service that issues invoices and pays accounts receivable for costs related to logistics or transportation, such as delivery charges, cash-on-delivery fees, insurance premiums, packing bags and packing costs, distribution center rent, and information system usage fees.
- the card payment method can be applied to the advance payment.
- an authentication medium other than the above-mentioned credit card and debit card
- there are fingerprints and retinas peculiar to individuals and image information is read from fingerprints and retinas and registered in advance in a payment server of a payment institution. If this image information is read by the ID reader 22 and authentication processing is performed by the settlement server, the individual can be identified.
- Industrial applicability when providing services related to logistics or transportation to consumers, the information of the payment card used for payment by the consumer is read by a portable card reader, and the read content is settled via a wireless communication line.
- the service fee for services related to logistics or transportation can be settled by the card by sending it to the settlement institution that performs the payment and receiving the credit inquiry result of the settlement card by the settlement institution to settle the service fee.
- the portable card reader reads information from a payment card issued by the payment institution, and transmits the information of the payment card and service charge information to the payment institution via a wireless communication line. Receiving payment information and service charge information from the portable card reader via the communication line, and performing the payment based on the received payment card information and the information for determining the validity of the predetermined payment card. A credit inquiry of the consumer is made, a service charge is settled based on the result of the credit inquiry and the received service charge information, and the result of the credit inquiry is transmitted to a portable card reader via a wireless communication line, and the mobile card is used.
- the reader receives the credit reference result from the clearing house via the wireless communication line, and issues a receipt based on the received credit reference result and service fee information. Service charges for services related to logistics or transportation can be settled by card.
- the card payment method for service charges related to logistics or transportation is a method for providing a service related to distribution or transportation to consumers between a portable card reader carried by a service provider and a clearing house. It is useful for settlement systems that make payments for the service fee by exchanging information via communication lines, and is particularly suitable for using a card to settle service fees for services related to logistics or transportation. .
Description
Claims
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10/362,589 US6966488B2 (en) | 2000-08-24 | 2001-08-23 | Card payment method for service charge concerning to physical distribution or transportation |
JP2002521794A JP3965361B2 (ja) | 2000-08-24 | 2001-08-23 | 物流又は運送に関わるサービス料金のカード決済方法及びそのシステム |
AU2001280126A AU2001280126A1 (en) | 2000-08-24 | 2001-08-23 | Card payment method for service charge concerning to physical distribution or transportation |
EP01958436A EP1329825A4 (en) | 2000-08-24 | 2001-08-23 | CARD PAYMENT PROCEDURE FOR SERVICE FEES RELATING TO PHYSICAL DISTRIBUTION OR TRANSPORT |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
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JP2000254205 | 2000-08-24 | ||
JP2000-254205 | 2000-08-24 |
Publications (1)
Publication Number | Publication Date |
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WO2002017175A1 true WO2002017175A1 (fr) | 2002-02-28 |
Family
ID=18743193
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/JP2001/007225 WO2002017175A1 (fr) | 2000-08-24 | 2001-08-23 | Procede de paiement par carte pour facturation de service concernant une distribution ou un transport physiques |
Country Status (6)
Country | Link |
---|---|
US (1) | US6966488B2 (ja) |
EP (1) | EP1329825A4 (ja) |
JP (1) | JP3965361B2 (ja) |
CN (1) | CN1447949A (ja) |
AU (1) | AU2001280126A1 (ja) |
WO (1) | WO2002017175A1 (ja) |
Cited By (5)
Publication number | Priority date | Publication date | Assignee | Title |
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US8168793B2 (en) | 2005-07-26 | 2012-05-01 | Portela & Ca., S.A. | Nitrocatechol derivatives as COMT inhibitors |
US8524746B2 (en) | 2007-01-31 | 2013-09-03 | Bial-Portela & Ca., S.A. | Dosage regimen for COMT inhibitors |
US8536203B2 (en) | 2006-04-10 | 2013-09-17 | Bial-Portela & Ca, S.A. | Pharmaceutical compounds |
US9845316B2 (en) | 2008-03-17 | 2017-12-19 | BIAL—Portela & CA., S.A. | Crystal forms of 5-[3-(2,5-dichloro-4, 6-dimethyl-1-oxy-pyridine-3-yl)[1,2,4]oxadiazol-5-yl]-3-nitrobenzene-1,2-diol |
US10071085B2 (en) | 2009-04-01 | 2018-09-11 | Bial—Portela & Ca, S.A. | Pharmaceutical formulations comprising nitrocatechol derivatives and methods of making thereof |
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WO2003023672A1 (fr) * | 2001-09-10 | 2003-03-20 | Sagawa Express Co., Ltd. | Lecteur de cartes portatif et systeme de reglement par carte |
US8050688B2 (en) * | 2003-12-31 | 2011-11-01 | Motorola Mobility, Inc. | Method and apparatus for delivering services |
WO2006115984A2 (en) | 2005-04-21 | 2006-11-02 | Securedpay Solutions, Inc. | Portable handheld device for wireless order entry and real time payment authorization and related methods |
FR2895610B1 (fr) * | 2005-12-23 | 2008-02-08 | Thales Sa | Systeme de transactions securisees d'unites de valeur portees par des cartes. |
JP2008135446A (ja) * | 2006-11-27 | 2008-06-12 | Philtech Inc | Rfパウダーの製造方法 |
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JP2008134694A (ja) * | 2006-11-27 | 2008-06-12 | Philtech Inc | Rfパウダーの付加方法およびrfパウダー付加基体シート |
JP2008134815A (ja) * | 2006-11-28 | 2008-06-12 | Philtech Inc | Rfパウダーの提供方法およびrfパウダー含有液 |
JP2008135951A (ja) * | 2006-11-28 | 2008-06-12 | Philtech Inc | Rfパウダー粒子、rfパウダー、およびrfパウダー含有基体 |
JP2008134816A (ja) * | 2006-11-28 | 2008-06-12 | Philtech Inc | Rfパウダー粒子、rfパウダー、およびrfパウダーの励起方法 |
JP2008136019A (ja) * | 2006-11-29 | 2008-06-12 | Philtech Inc | 磁界結合装置および読取り装置 |
US8237622B2 (en) * | 2006-12-28 | 2012-08-07 | Philtech Inc. | Base sheet |
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- 2001-08-23 JP JP2002521794A patent/JP3965361B2/ja not_active Expired - Lifetime
- 2001-08-23 CN CN01814534A patent/CN1447949A/zh active Pending
- 2001-08-23 AU AU2001280126A patent/AU2001280126A1/en not_active Abandoned
- 2001-08-23 EP EP01958436A patent/EP1329825A4/en not_active Withdrawn
- 2001-08-23 WO PCT/JP2001/007225 patent/WO2002017175A1/ja not_active Application Discontinuation
- 2001-08-23 US US10/362,589 patent/US6966488B2/en not_active Expired - Lifetime
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Cited By (10)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8168793B2 (en) | 2005-07-26 | 2012-05-01 | Portela & Ca., S.A. | Nitrocatechol derivatives as COMT inhibitors |
US8907099B2 (en) | 2005-07-26 | 2014-12-09 | Bial-Portela & Ca, S.A. | Nitrocatechol derivatives as COMT inhibitors |
US9550759B2 (en) | 2005-07-26 | 2017-01-24 | Bial—Portela & Ca, S.A. | Nitrocatechol derivatives as COMT inhibitors |
US8536203B2 (en) | 2006-04-10 | 2013-09-17 | Bial-Portela & Ca, S.A. | Pharmaceutical compounds |
US9446012B2 (en) | 2006-04-10 | 2016-09-20 | Bial—Portela & Ca, S.A. | Pharmaceutical compounds |
US8524746B2 (en) | 2007-01-31 | 2013-09-03 | Bial-Portela & Ca., S.A. | Dosage regimen for COMT inhibitors |
US9745290B2 (en) | 2007-01-31 | 2017-08-29 | Bial—Portela & Ca, S.A. | Dosage regimen for COMT inhibitors |
US9845316B2 (en) | 2008-03-17 | 2017-12-19 | BIAL—Portela & CA., S.A. | Crystal forms of 5-[3-(2,5-dichloro-4, 6-dimethyl-1-oxy-pyridine-3-yl)[1,2,4]oxadiazol-5-yl]-3-nitrobenzene-1,2-diol |
US10071085B2 (en) | 2009-04-01 | 2018-09-11 | Bial—Portela & Ca, S.A. | Pharmaceutical formulations comprising nitrocatechol derivatives and methods of making thereof |
US10583130B2 (en) | 2009-04-01 | 2020-03-10 | Bial-Portela & Ca, S.A. | Pharmaceutical formulations compromising nitrocatechol derivatives and methods of making thereof |
Also Published As
Publication number | Publication date |
---|---|
US6966488B2 (en) | 2005-11-22 |
EP1329825A1 (en) | 2003-07-23 |
US20030183690A1 (en) | 2003-10-02 |
AU2001280126A1 (en) | 2002-03-04 |
CN1447949A (zh) | 2003-10-08 |
EP1329825A4 (en) | 2006-03-22 |
JP3965361B2 (ja) | 2007-08-29 |
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