WO2025041257A1 - Settlement proxy device - Google Patents

Settlement proxy device Download PDF

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Publication number
WO2025041257A1
WO2025041257A1 PCT/JP2023/030123 JP2023030123W WO2025041257A1 WO 2025041257 A1 WO2025041257 A1 WO 2025041257A1 JP 2023030123 W JP2023030123 W JP 2023030123W WO 2025041257 A1 WO2025041257 A1 WO 2025041257A1
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Prior art keywords
station
identification information
information
station terminal
fare
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French (fr)
Japanese (ja)
Inventor
学 三露
昌幸 高田
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Quadrac Co Ltd
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Quadrac Co Ltd
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Priority to JP2023577423A priority Critical patent/JP7545593B1/en
Priority to PCT/JP2023/030123 priority patent/WO2025041257A1/en
Priority to JP2024128169A priority patent/JP7555518B1/en
Publication of WO2025041257A1 publication Critical patent/WO2025041257A1/en
Anticipated expiration legal-status Critical
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/40—Business processes related to the transportation industry

Definitions

  • the present invention relates to fare payment using a credit card.
  • a fare collection system has been proposed that includes a fare calculation server that calculates fares and a payment server that settles fares (see Patent Document 1).
  • the ticket gate requests payment processing from the payment device, and in response to the result, the ticket gate controls passage.
  • a response from the payment device can take several seconds or more. For this reason, in the system described in Patent Document 1, it takes time to control passage at the ticket gate, which may make it difficult to smoothly operate the station, especially during crowded times such as rush hour.
  • a payment agent that processes fare payments using credit cards The system is connected via a network to a boarding station terminal installed at a boarding station, a disembarking station terminal installed at a disembarking station, a fare calculation device that calculates the fare for each transportation means, and a payment device that executes payment processing, storing, in association with each other, transportation facility identification information for identifying the transportation facility and affiliated store identification information for identifying information of the transportation facility as a credit card affiliated store; receiving station identification information for identifying a boarding station from the boarding station terminal; Transmitting the station identification information received from the boarding station terminal to the fare calculation device; receiving a signal related to traffic control at the boarding station from the fare calculation device; Transmitting a signal regarding traffic control received from the fare calculation device to the boarding station terminal; receiving credit card information from the boarding station terminal; receiving station identification information for identifying the alighting station from the alighting station terminal; Transmitting the station identification information received from the alighting station terminal
  • a payment agent that processes fare payments using credit cards The system is connected via a network to a boarding station terminal installed at a boarding station, an alighting station terminal installed at a deboarding station, and a payment device that executes payment processing, storing, in association with each other, transportation facility identification information for identifying the transportation facility and affiliated store identification information for identifying information of the transportation facility as a credit card affiliated store; receiving station identification information for identifying a boarding station from the boarding station terminal; Transmitting a signal regarding traffic control to the boarding station terminal; receiving credit card information from the boarding station terminal; receiving station identification information for identifying the alighting station from the alighting station terminal; Transmitting a signal regarding traffic control to the alighting station terminal; receiving the credit card information from the alighting station terminal; Calculating fare information for each transportation facility using the station identification information received from the boarding station terminal and the station identification information received from the disembarking station terminal; storing, in association with each other, credit card information received from the boarding
  • a payment agent instead of station terminals such as ticket gates, makes a payment request to a payment device.
  • the station terminal can control passage at the station in response to a signal from the payment agent, without waiting for a response from the payment device.
  • FIG. 1 is a schematic diagram illustrating an example of the configuration of a system including a payment agent device according to a first embodiment.
  • FIG. 2 is a schematic diagram illustrating a station information table.
  • FIG. 2 is a schematic diagram illustrating a transportation information table.
  • FIG. 13 is a schematic diagram illustrating a fare information table.
  • FIG. 4 is a diagram illustrating an example of the operation of the payment agent device according to the first embodiment.
  • FIG. 4 is a diagram illustrating an example of the operation of the payment agent device according to the first embodiment.
  • FIG. 4 is a diagram illustrating an example of the operation of the payment agent device according to the first embodiment.
  • FIG. 11 is a schematic diagram illustrating an example of the configuration of a system including a payment agent device according to a second embodiment.
  • FIG. 11 is a diagram illustrating an example of the operation of the payment agent device according to the second embodiment.
  • FIG. 11 is a diagram illustrating an example of the operation of the payment agent device according to the second
  • Fig. 1 is a schematic diagram for explaining an example of the configuration of a system including a payment agent device according to a first embodiment.
  • the payment agent device according to this embodiment is a device that handles fare payments using credit cards.
  • the payment agent device according to this embodiment is connected via a network to a boarding station terminal installed at a boarding station, an alighting station terminal installed at a alighting station, a fare calculation device that calculates fares for each transportation facility, and a payment device that executes payment processing.
  • An example of the network is the Internet.
  • the boarding station terminal is a station terminal installed at the boarding station
  • the disembarking station terminal is a station terminal installed at the disembarking station.
  • Examples of the boarding station terminal and the disembarking station terminal in this embodiment include ticket gates installed at stations, as well as terminals carried by station staff. "Installed" does not only include cases where the terminal is fixed to the station, but also includes all forms in which the terminal is used at the station, such as cases where the terminal is carried by station staff.
  • station terminals do not need to be installed at all stations operated by the transportation system, but it is sufficient if they are installed at least at the boarding and disembarking stations that are the starting and ending points for fare calculation.
  • station terminals may or may not be installed at passing stations such as Station B and Station C described below.
  • the boarding station terminal and the disembarking station terminal each have a reader/writer function that reads the customer's credit card information from the customer's smartphone, contactless IC card, etc.
  • Credit card information is information required for payment using a credit card, and examples of credit card information include the credit card number, as well as the credit card expiration date and country of issue.
  • a credit card can be any name as long as it inquires of a payment device whether or not a payment can be made.
  • Examples of credit cards include cards commonly known as credit cards, as well as prepaid cards and debit cards that inquire of a payment device whether or not a payment can be made. Credit cards are limited to cards that do not have electronic money loaded onto them, and cards that have electronic money loaded onto them are not included in credit cards. This is because the latter cards do not inquire of a payment device whether or not a payment can be made, but rather determine whether or not a payment can be made based on the amount loaded onto the card.
  • a fare calculation device is a device that calculates fare information.
  • An example of a fare calculation device is a computer device that executes fare calculation.
  • An example of a computer device is a server device or a board equipped with an IC chip.
  • Fare information refers to information related to the fare from the boarding station to the disembarking station, such as 350 yen or 740 yen.
  • Payment device is a device that executes payment processing.
  • An example of a payment device is a computer device of a financial institution that issues credit cards.
  • An example of a computer device is a server device or a board equipped with an IC chip.
  • An example of a payment process is a process related to availability, such as authorization (often abbreviated to "authorization").
  • the payment agent is a device that processes freight payments using credit cards.
  • An example of a payment agent is a computer device.
  • An example of a computer device is a server device or a board on which an IC chip is mounted.
  • the payment agent device of this embodiment stores three tables: a station information table, a transport facility information table, and a fare information table. These will be explained in order below.
  • Fig. 2 is a schematic diagram illustrating a station information table.
  • the payment agent device can store station identification information, for example, in a table format.
  • the station identification information is information that identifies a station.
  • the station identification information may be stored in association with the name of the station, transportation facility identification information (described later), and the like.
  • FIG. 3 is a schematic diagram illustrating a transportation facility information table.
  • the payment agent device can store, for example in table format, transportation facility identification information that identifies a transportation facility and affiliated store identification information that identifies information about the transportation facility as a credit card affiliated store in association with each other.
  • the transportation facility identification information is information that identifies a transportation facility.
  • the affiliated store identification information is information that identifies information about the transportation facility as a credit card affiliated store.
  • the affiliated store identification information is assigned to the transportation facility by the financial institution, for example, based on an affiliated store contract concluded between the financial institution that manages the payment device and the transportation facility.
  • the transportation facility identification information may also be stored in association with the name of the transportation facility, etc.
  • a station terminal that is, a station terminal having a function of communicating with the payment agent according to a predetermined protocol, at each station.
  • a station terminal that does not have this function cannot execute the passage control by the payment agent.
  • a data structure is adopted in which the payment agent stores the transportation facility identification information of the transportation facility that has the boarding station terminal and/or disembarking station terminal installed and the affiliated store identification information that identifies the information of the transportation facility as a credit card affiliated store, and stores the transportation facility identification information of the transportation facility that does not have the boarding station terminal and/or disembarking station terminal installed and the affiliated store identification information that identifies the information of the transportation facility as a credit card affiliated store, in association with each other.
  • station terminals it is not necessary to install station terminals according to this embodiment at all stations.
  • fare payment for each transportation facility can be executed during direct operation with a station that does not have a station terminal according to this embodiment installed as a passing station.
  • the present invention is not limited to this data structure, and the payment agent of the present invention includes not only cases where the payment agent has this data structure, but also cases where the payment agent has a data structure that associates and stores transportation facility identification information only for transportation facilities that have boarding station terminals and/or disembarking station terminals with affiliated store identification information that identifies information about the transportation facility as a credit card affiliated store.
  • (Fare information table) 4 is a schematic diagram illustrating a fare information table. As shown in Fig. 4, the payment agent device can store credit card information, affiliated store identification information, and fare information in a table format, for example, in association with each other.
  • Example of operation are diagrams illustrating an example of the operation of the payment agent device according to the first embodiment.
  • Station A is the boarding station, and the station identification information identifying Station A is "123456".
  • Station B is a through station, and the station identification information identifying Station B is "234567”.
  • Station C is a through station, and the station identification information identifying Station C is "345678”.
  • Station D is the disembarking station, and the station identification information identifying Station D is "456789".
  • the section from Station A to Station B is operated by X Railway, and the fare for that section is 300 yen.
  • the section from Station B to Station C is operated by Y Railway, and the fare for that section is 200 yen.
  • the section from Station C to Station D is operated by Z Electric Railway, and the fare for that section is 400 yen.
  • the transportation facility identification information identifying X Railway is X
  • the transportation facility identification information identifying Y Railway is Y
  • the transportation facility identification information identifying Z Electric Railway is Z.
  • X railway is a credit card affiliate of the financial institution that manages the payment device, and the affiliate identification information identifying this affiliate is "001".
  • Y Railway is also a credit card affiliate of the financial institution that manages the payment device, and the affiliate identification information identifying this affiliate is "002”.
  • Z Railway is also a credit card affiliate of the financial institution that manages the payment device, and the affiliate identification information identifying this affiliate is "003".
  • station terminals according to this embodiment are installed in stations operated by X Railway and Z Railway, but station terminals according to this embodiment are not installed in stations operated by Y railway.
  • the station terminals installed in X Railway stations are boarding station terminals, and the station terminals installed in Z Railway stations are disembarking station terminals.
  • the payment agent also stores in the transportation facility information table the transportation facility identification information of X Railway and Z railway and the affiliated store identification information that identifies the information of these transportation facilities as credit card affiliated stores in association with each other, and also stores the transportation facility identification information of Y Railway and the affiliated store identification information that identifies the information of Y Railway as a credit card affiliated store in association with each other.
  • Step 10 First, the boarding station terminal reads credit card information from the passenger's user terminal, such as a credit card or smartphone.
  • Step 11 the payment agent device receives station identification information that identifies the boarding station from the boarding station terminal. Specifically, the payment agent device receives the station identification information "123456" from the station terminal of Station A operated by X railway.
  • the payment agent device may receive, for example, a value that can uniquely identify the credit card number from the boarding station terminal along with the station identification information.
  • the boarding station terminal can generate or obtain a value that can uniquely identify the credit card number, for example, by using the credit card number included in the credit card information read in step 10.
  • values that can uniquely identify the credit card number include a hash value obtained by calculating a hash function with the credit card number as a parameter, a value obtained by encrypting the credit card number with an encryption key, and a value that has a one-to-one correspondence with the credit card number obtained by incrementing sequentially from a predetermined number such as 1.
  • Step 12 the payment agent device transmits to the fare calculation device the station identification information received in step 11. Specifically, the payment agent device transmits to the fare calculation device the station identification information "123456" received in step 11. Note that, if a value that can uniquely identify a credit card number is received together with the station identification information in step 11, the payment agent device transmits the station identification information and that value to the fare calculation device.
  • Step 13 the payment agent device receives a signal related to traffic control at the boarding station from the fare calculation device.
  • An example of the signal includes information indicating "normal” or "abnormal".
  • the signal is generated based on the result of a check for double boarding (e.g., cycle check), for example.
  • Step 14 the payment agent device transmits the signal regarding passage control received from the fare calculation device in step 13 to the boarding station terminal.
  • Step 15 the boarding station terminal performs passage control based on the passage control signal received from the payment agent device.
  • passage control include, for example, control to open or keep open the ticket gate door if the received signal indicates normality, control to close or keep closed the ticket gate door if the signal indicates an abnormality, and control to display an indication of normality or abnormality on the screen of the station terminal or the like.
  • Step 16 the payment agent device receives from the boarding station terminal the credit card information that the boarding station terminal read in step 10.
  • the credit card information includes information such as the credit card number, expiration date, and issuing country. In this way, by receiving the credit card information after passage control at the station terminal, the station terminal can execute passage control in priority to sending the credit card information, and therefore the time required to execute passage control can be shortened.
  • step 11 may be executed in step 11. That is, in step 11, the payment agent device may receive the station identification information from the boarding station terminal and also receive the credit card information.
  • “Receiving the credit card information from the boarding station terminal” includes not only a form in which the station identification information is received from the boarding station terminal and then the credit card information is received, as in this embodiment, but also a form in which the credit card information is received from the boarding station terminal together with the station identification information, which is different from this embodiment.
  • Step 17 the disembarking station terminal reads credit card information from the passenger's user terminal, such as a credit card or smartphone.
  • Step 18 the payment agent device receives station identification information for identifying the alighting station from the alighting station terminal. Specifically, the payment agent device receives the station identification information "456789" from the station terminal of D station operated by Z Electric Railway.
  • the payment agent device may receive, for example, a value that can uniquely identify the credit card number together with station identification information from the disembarking station terminal, as in step 11.
  • Step 19 the payment agent device transmits to the fare calculation device the station identification information received in step 18. Specifically, the payment agent device transmits to the fare calculation device the station identification information "456789" received in step 18.
  • the payment agent sends the station identification information and that value to the fare calculation device, as in step 12. If the fare calculation device receives a value that can uniquely identify a credit card number from the payment agent in step 12 and this step, it can use that value to determine which station the passenger boarded the train at and which station he or she disembarked from, using the station identification information of the boarding station received from the payment agent in step 12 and the station identification information of the disembarking station received from the payment agent in this step. In the example of this embodiment, the fare calculation device can perform fare calculation assuming that Station A is the boarding station and Station D is the disembarking station.
  • the payment agent device receives from the fare calculation device a signal related to traffic control at the disembarking station, the transportation facility identification information, and fare information for each transportation facility identified by the transportation facility identification information. Specifically, the payment agent device receives from the fare calculation device transportation facility identification information X of X Railway and fare information 300 yen, transportation facility identification information Y of Y Railway and fare information 200 yen, and transportation facility identification information Z of Z Railway and fare information 400 yen.
  • An example of the signal related to traffic control is the same as that in step 13, so a description thereof will be omitted.
  • Step 22 the disembarking station terminal performs traffic control based on the traffic control signal received from the payment agent.
  • Traffic control at the disembarking station is basically the same as the traffic control at the boarding station described in step 15, but in addition to this, it is possible to perform further control such as displaying fare information on the station terminal.
  • Step 23 the payment agent device receives from the alighting station terminal the credit card information that the alighting station terminal read in step 17.
  • the station terminal can execute passage control prior to sending the credit card information, as in the case of step 16, and therefore the time required to execute passage control can be shortened.
  • this step may be executed in step 18. That is, in step 18, the payment agent device may receive the station identification information from the alighting station terminal and also receive the credit card information.
  • the payment agency device reads, for example, from the transportation information table of Figure 3, the affiliated store identification information stored in association with the transportation identification information received from the fare calculation device in step 20, and stores this read-out affiliated store identification information in association with the credit card information and the fare information.
  • Step 25 the payment agent transmits to the payment device the affiliated store identification information, credit card information, and fare information that were associated and stored in step 24.
  • the payment agent transmits to the payment device affiliated store identification information 001, fare information 300 yen, and credit card information for X Railway, associated with each other, affiliated store identification information 002, fare information 200 yen, and credit card information for Y Railway, and associated with each other, and transmits affiliated store identification information 003, fare information 400 yen, and credit card information for Z Railway.
  • the payment agent makes a payment request to the payment device instead of station terminals such as ticket gates. Therefore, the station terminal can control passage at the station in response to a signal from the payment agent, without waiting for a response from the payment device. Furthermore, in the transportation facility information table, the payment agent stores transportation facility identification information for X railway and Z railway in association with affiliated store identification information that identifies these transportation facilities as credit card affiliated stores, and also stores transportation facility identification information for Y Railway in association with affiliated store identification information that identifies its information as a credit card affiliated store. Therefore, fare payments can be made for each transportation facility, including transportation facilities that operate stations where station terminals are not installed.
  • Payment agent device is a schematic diagram for explaining an example of the configuration of a system including a payment agent device according to embodiment 2. This embodiment differs from embodiment 1 in that the payment agent device executes the freight calculation process, and the process is executed by a freight calculation device separate from the payment agent device, but has the same configuration as embodiment 1 in other respects. An example of the operation of the payment agent device according to embodiment 2 will be explained below.
  • Step 40 First, the boarding station terminal reads credit card information from the passenger's user terminal, such as a credit card or a smartphone. This step is the same as step 10 described above.
  • Step 41 the payment agent device receives station identification information that identifies the boarding station from the boarding station terminal. Specifically, the payment agent device receives the station identification information "123456" from the station terminal of Station A operated by X railway. This step is the same as step 11 described above. As in step 11, in this step, the payment agent device may receive, for example, a value that can uniquely identify a credit card number together with the station identification information from the boarding station terminal.
  • Step 42 the payment agent device transmits a signal related to passage control to the boarding station terminal. This signal is the same as that described in step 14.
  • Step 43 the boarding station terminal performs traffic control based on the signal related to traffic control received from the payment agent device.
  • the traffic control in this step is the same as that in step 15.
  • Step 44 the payment agent device receives from the boarding station terminal the credit card information that the boarding station terminal read in step 40.
  • This step is the same as step 16. As in the case of step 16, this step may be executed in step 41.
  • Step 45 the exit station terminal reads credit card information from the passenger's user terminal, such as a credit card or a smartphone. This step is the same as step 17.
  • Step 46 the payment agent device receives station identification information identifying the alighting station from the alighting station terminal. Specifically, the payment agent device receives station identification information "456789" from the station terminal of D station operated by Z Electric Railway. This step is the same as step 18 described above. As in step 18, in this step, the payment agent device may receive, for example, a value that can uniquely identify a credit card number together with the station identification information from the alighting station terminal.
  • Step 47 the payment agent device transmits a signal regarding passage control to the exit station terminal. This signal is the same as that described in step 21.
  • Step 48 the exit station terminal performs traffic control based on the traffic control-related signal received from the payment agent device.
  • the traffic control in this step is the same as that described in step 22, so a description thereof will be omitted.
  • Step 49 the payment agent device receives from the alighting station terminal the credit card information that the alighting station terminal read in step 45.
  • This step is the same as step 23. As in step 23, this step may be performed in step 46.
  • the payment agent device calculates fare information for each transportation facility using the station identification information received from the boarding station terminal in step 41 and the station identification information received from the disembarking station terminal in step 46. Specifically, the payment agent device calculates 300 yen as fare information for X Railway, 200 yen as fare information for Y Railway, and 400 yen as fare information for Z railway. As explained in step 19, when a value that can uniquely identify a credit card number is received from the payment agent device in steps 41 and 46, the payment agent device can use the value to perform fare calculation, assuming that the station identified by the station identification information received in step 41 is the boarding station and the station identified by the station identification information received in step 46 is the disembarking station.
  • Step 51 the payment agent device associates and stores one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49, the affiliated store identification information stored in association with the transportation facility identification information identifying the transportation facility that calculated the fare information in step 50, and the fare information calculated in step 50.
  • the payment agent device associates and stores the affiliated store identification information 001 of X Railway, the fare information 300 yen, and one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49, the affiliated store identification information 002 of Y Railway, the fare information 200 yen, and one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49, and the affiliated store identification information 003 of Z Railway, the fare information 400 yen, and one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49.
  • Step 52 the payment agent transmits to the payment device the affiliated store identification information, credit card information, and fare information that were associated and stored in step 51. Specifically, the payment agent transmits to the payment device affiliated store identification information 001, fare information 300 yen, and credit card information for X Railway, associated with each other, affiliated store identification information 002, fare information 200 yen, and credit card information for Y Railway, and associated with each other, affiliated store identification information 003, fare information 400 yen, and credit card information for Z Railway.
  • the payment agency device is capable of constructing and managing a fare calculation device separately from the payment agency device, and is preferably applied in cases where the fare calculation process is relatively complicated, such as on routes where multiple transport operators share the same line.
  • the payment agency device according to embodiment 2 is capable of building the payment agency device and fare calculation device into the same device, and is preferably applied in cases where the fare calculation is relatively simple, such as on routes operated by a single transport operator, where the fare can be easily calculated once the stations between two points are determined.

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Abstract

This settlement proxy device makes a settlement request to a settlement device, as a proxy for a train-station terminal such as a ticket gate. Without waiting for a response from the settlement device, the train-station terminal can perform passage control at a train station according to a signal from the settlement proxy device.

Description

決済代行装置Payment processing device

　本発明は、クレジットカードを用いた運賃決済に関する。 The present invention relates to fare payment using a credit card.

　運賃計算を行う運賃計算サーバと料金の決済を行う決済サーバとを備えた運賃収受システムが提案されている（特許文献１参照）。 A fare collection system has been proposed that includes a fare calculation server that calculates fares and a payment server that settles fares (see Patent Document 1).

特開２０２０－１７７５７５号公報JP 2020-177575 A

　特許文献１に記載のシステムでは、改札機が決済装置に対して決済処理を要求しており、その結果を受けて改札機の通行制御を行っている。しかるところ、決済装置からの応答には数秒以上を要することがある。このため、特許文献１に記載のシステムでは、改札機での通行制御に時間がかかり、特に通勤ラッシュ時などの混雑時において、駅の円滑な運営が困難になるという虞がある。 In the system described in Patent Document 1, the ticket gate requests payment processing from the payment device, and in response to the result, the ticket gate controls passage. However, a response from the payment device can take several seconds or more. For this reason, in the system described in Patent Document 1, it takes time to control passage at the ticket gate, which may make it difficult to smoothly operate the station, especially during crowded times such as rush hour.

　本発明は、次の一実施形態を含む。 The present invention includes the following embodiment:

　クレジットカードを用いた運賃決済を代行する決済代行装置であって、
　ネットワークを介して、乗車駅に設置された乗車駅端末、降車駅に設置された降車駅端末、交通機関ごとの運賃を計算する運賃計算装置、及び決済処理を実行する決済装置に接続され、
　前記交通機関を識別する交通機関識別情報と、前記交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報と、を対応付けて記憶し、
　前記乗車駅端末から乗車駅を識別する駅識別情報を受信し、
　前記乗車駅端末から受信した駅識別情報を前記運賃計算装置に送信し、
　前記運賃計算装置から乗車駅での通行制御に関する信号を受信し、
　前記運賃計算装置から受信した通行制御に関する信号を前記乗車駅端末に対して送信し、
　前記乗車駅端末からクレジットカード情報を受信し、
　前記降車駅端末から降車駅を識別する駅識別情報を受信し、
　前記降車駅端末から受信した駅識別情報を前記運賃計算装置に送信し、
　前記運賃計算装置から、降車駅での通行制御に関する信号と、前記交通機関識別情報と、前記交通機関識別情報により識別される交通機関ごとの運賃情報と、を受信し、
　前記運賃計算装置から受信した通行制御に関する信号を前記降車駅端末に対して送信し、
　前記降車駅端末から前記クレジットカード情報を受信し、
　前記乗車駅端末及び前記降車駅端末から受信したクレジットカード情報と、前記運賃計算装置から受信した交通機関識別情報に対応付けて記憶されている加盟店識別情報と、前記運賃計算装置から受信した運賃情報と、を対応付けて記憶し、
　前記対応付けて記憶されているクレジットカード情報と、加盟店識別情報と、運賃情報とを前記決済装置に送信する決済代行装置。 A payment agent that processes fare payments using credit cards,
The system is connected via a network to a boarding station terminal installed at a boarding station, a disembarking station terminal installed at a disembarking station, a fare calculation device that calculates the fare for each transportation means, and a payment device that executes payment processing,
storing, in association with each other, transportation facility identification information for identifying the transportation facility and affiliated store identification information for identifying information of the transportation facility as a credit card affiliated store;
receiving station identification information for identifying a boarding station from the boarding station terminal;
Transmitting the station identification information received from the boarding station terminal to the fare calculation device;
receiving a signal related to traffic control at the boarding station from the fare calculation device;
Transmitting a signal regarding traffic control received from the fare calculation device to the boarding station terminal;
receiving credit card information from the boarding station terminal;
receiving station identification information for identifying the alighting station from the alighting station terminal;
Transmitting the station identification information received from the alighting station terminal to the fare calculation device;
receiving from the fare calculation device a signal related to traffic control at a disembarking station, the transportation facility identification information, and fare information for each transportation facility identified by the transportation facility identification information;
Transmitting a signal regarding traffic control received from the fare calculation device to the alighting station terminal;
receiving the credit card information from the alighting station terminal;
storing, in association with each other, credit card information received from the boarding station terminal and the disembarking station terminal, affiliated store identification information stored in association with the transportation facility identification information received from the fare calculation device, and fare information received from the fare calculation device;
A payment agent transmits the associated and stored credit card information, affiliated store identification information, and shipping information to the payment device.

　クレジットカードを用いた運賃決済を代行する決済代行装置であって、
　ネットワークを介して、乗車駅に設置された乗車駅端末、降車駅に設置された降車駅端末、及び決済処理を実行する決済装置に接続され、
　前記交通機関を識別する交通機関識別情報と、前記交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報と、を対応付けて記憶し、
　前記乗車駅端末から乗車駅を識別する駅識別情報を受信し、
　前記乗車駅端末に対して通行制御に関する信号を送信し、
　前記乗車駅端末からクレジットカード情報を受信し、
　前記降車駅端末から降車駅を識別する駅識別情報を受信し、
　前記降車駅端末に対して通行制御に関する信号を送信し、
　前記降車駅端末から前記クレジットカード情報を受信し、
　前記乗車駅端末から受信した駅識別情報と前記降車駅端末から受信した駅識別情報とを用いて交通機関ごとの運賃情報を算出し、
　前記乗車駅端末及び前記降車駅端末から受信したクレジットカード情報と、前記運賃情報を算出した交通機関を識別する交通機関識別情報に対応付けて記憶されている加盟店識別情報と、前記算出した運賃情報と、を対応付けて記憶し、
　前記対応付けて記憶されているクレジットカード情報と、加盟店識別情報と、運賃情報とを前記決済装置に送信する決済代行装置。 A payment agent that processes fare payments using credit cards,
The system is connected via a network to a boarding station terminal installed at a boarding station, an alighting station terminal installed at a deboarding station, and a payment device that executes payment processing,
storing, in association with each other, transportation facility identification information for identifying the transportation facility and affiliated store identification information for identifying information of the transportation facility as a credit card affiliated store;
receiving station identification information for identifying a boarding station from the boarding station terminal;
Transmitting a signal regarding traffic control to the boarding station terminal;
receiving credit card information from the boarding station terminal;
receiving station identification information for identifying the alighting station from the alighting station terminal;
Transmitting a signal regarding traffic control to the alighting station terminal;
receiving the credit card information from the alighting station terminal;
Calculating fare information for each transportation facility using the station identification information received from the boarding station terminal and the station identification information received from the disembarking station terminal;
storing, in association with each other, credit card information received from the boarding station terminal and the disembarking station terminal, affiliated store identification information stored in association with transportation facility identification information that identifies the transportation facility that calculated the fare information, and the calculated fare information;
A payment agent transmits the associated and stored credit card information, affiliated store identification information, and shipping information to the payment device.

　本発明の一実施形態によれば、改札機などの駅端末に代わり、決済代行装置が決済装置に対して決済要求を行う。駅端末は、決済装置からの応答を待つことなく、決済代行装置からの信号に応じて駅での通行制御を行うことができる。 According to one embodiment of the present invention, instead of station terminals such as ticket gates, a payment agent makes a payment request to a payment device. The station terminal can control passage at the station in response to a signal from the payment agent, without waiting for a response from the payment device.

実施形態１に係る決済代行装置を備えたシステムの構成例を説明する模式図である。FIG. 1 is a schematic diagram illustrating an example of the configuration of a system including a payment agent device according to a first embodiment. 駅情報テーブルを説明する模式図である。FIG. 2 is a schematic diagram illustrating a station information table. 交通機関情報テーブルを説明する模式図である。FIG. 2 is a schematic diagram illustrating a transportation information table. 運賃情報テーブルを説明する模式図である。FIG. 13 is a schematic diagram illustrating a fare information table. 実施形態１に係る決済代行装置の動作例を説明する図である。FIG. 4 is a diagram illustrating an example of the operation of the payment agent device according to the first embodiment. 実施形態１に係る決済代行装置の動作例を説明する図である。FIG. 4 is a diagram illustrating an example of the operation of the payment agent device according to the first embodiment. 実施形態１に係る決済代行装置の動作例を説明する図である。FIG. 4 is a diagram illustrating an example of the operation of the payment agent device according to the first embodiment. 実施形態２に係る決済代行装置を備えたシステムの構成例を説明する模式図である。FIG. 11 is a schematic diagram illustrating an example of the configuration of a system including a payment agent device according to a second embodiment. 実施形態２に係る決済代行装置の動作例を説明する図である。FIG. 11 is a diagram illustrating an example of the operation of the payment agent device according to the second embodiment. 実施形態２に係る決済代行装置の動作例を説明する図である。FIG. 11 is a diagram illustrating an example of the operation of the payment agent device according to the second embodiment.

［実施形態１に係る決済代行装置］
　図１は実施形態１に係る決済代行装置を備えたシステムの構成例を説明する模式図である。本実施形態に係る決済代行装置は、クレジットカードを用いた運賃決済を代行する装置である。図１に示すように、本実施形態に係る決済代行装置は、ネットワークを介して、乗車駅に設置された乗車駅端末、降車駅に設置された降車駅端末、交通機関ごとの運賃を計算する運賃計算装置、及び決済処理を実行する決済装置に接続されている。ネットワークの一例にはインターネットが含まれる。 [Payment agent device according to embodiment 1]
Fig. 1 is a schematic diagram for explaining an example of the configuration of a system including a payment agent device according to a first embodiment. The payment agent device according to this embodiment is a device that handles fare payments using credit cards. As shown in Fig. 1, the payment agent device according to this embodiment is connected via a network to a boarding station terminal installed at a boarding station, an alighting station terminal installed at a alighting station, a fare calculation device that calculates fares for each transportation facility, and a payment device that executes payment processing. An example of the network is the Internet.

（乗車駅端末、降車駅端末）
　乗車駅端末は乗車駅に設置された駅端末であり、降車駅端末は降車駅に設置された駅端末である。本実施形態の乗車駅端末や降車駅端末の一例には、駅に設置された改札機の他、駅員が所持する端末などが含まれる。「設置」には端末が駅に固定されている場合だけではなく、駅員が所持する場合などのような、駅で端末が使用されるすべての形態が含まれる。 (Boarding station terminal, disembarking station terminal)
The boarding station terminal is a station terminal installed at the boarding station, and the disembarking station terminal is a station terminal installed at the disembarking station. Examples of the boarding station terminal and the disembarking station terminal in this embodiment include ticket gates installed at stations, as well as terminals carried by station staff. "Installed" does not only include cases where the terminal is fixed to the station, but also includes all forms in which the terminal is used at the station, such as cases where the terminal is carried by station staff.

　本実施形態の適用にあたり、駅端末は、すべての交通機関が運営する駅に設置されている必要はなく、少なくとも運賃計算の起点や終点となる乗車駅と降車駅に設置されていれば足りる。換言すると、本実施形態において、駅端末は、後述するＢ駅やＣ駅などのような通過駅には設けられていてもよいし、設けられていなくてもよい。 When applying this embodiment, station terminals do not need to be installed at all stations operated by the transportation system, but it is sufficient if they are installed at least at the boarding and disembarking stations that are the starting and ending points for fare calculation. In other words, in this embodiment, station terminals may or may not be installed at passing stations such as Station B and Station C described below.

　乗車駅端末及び降車駅端末は、例えば、それぞれ、利用客のスマートフォンや非接触ＩＣカードなどから利用客のクレジットカード情報を読み取るリーダライタ機能を有している。クレジットカード情報は、クレジットカードを用いた決済に必要となる情報であり、クレジットカード情報の一例には、クレジットカード番号のほか、クレジットカードの有効期限や発行国などの情報を含む。 The boarding station terminal and the disembarking station terminal each have a reader/writer function that reads the customer's credit card information from the customer's smartphone, contactless IC card, etc. Credit card information is information required for payment using a credit card, and examples of credit card information include the credit card number, as well as the credit card expiration date and country of issue.

　クレジットカードは、決済の可否を決済装置に問い合わせるものであればよく、その名称を問わない。クレジットカードの一例には、いわゆるクレジットカードと呼ばれるカードのほか、決済の可否を決済装置に問い合わせるプリペイドカードやデビットカードなどと呼ばれるカードが含まれる。クレジットカードは、カードそれ自体に電子的な金銭がチャージされないものに限られ、カードそれ自体に電子的な金銭がチャージされるものはクレジットカードに含まれない。後者のカードにあっては、決済装置に決済の可否を問い合わせるのではなく、カードにチャージされている金額との関係で決済の可否が判断されるからである。 A credit card can be any name as long as it inquires of a payment device whether or not a payment can be made. Examples of credit cards include cards commonly known as credit cards, as well as prepaid cards and debit cards that inquire of a payment device whether or not a payment can be made. Credit cards are limited to cards that do not have electronic money loaded onto them, and cards that have electronic money loaded onto them are not included in credit cards. This is because the latter cards do not inquire of a payment device whether or not a payment can be made, but rather determine whether or not a payment can be made based on the amount loaded onto the card.

（運賃計算装置）
　運賃計算装置は運賃情報を計算する装置である。運賃計算装置の一例には運賃計算を実行するコンピュータデバイスが含まれる。コンピュータデバイスの一例にはサーバ装置やＩＣチップが搭載された基板が含まれる。運賃情報とは、例えば３５０円や７４０円などのような、乗車駅から降車駅までの運賃に関する情報をいう。 (fare calculation device)
A fare calculation device is a device that calculates fare information. An example of a fare calculation device is a computer device that executes fare calculation. An example of a computer device is a server device or a board equipped with an IC chip. Fare information refers to information related to the fare from the boarding station to the disembarking station, such as 350 yen or 740 yen.

（決済装置）
　決済装置とは、決済処理を実行する装置である。決済装置の一例には、クレジットカードを発行している金融機関のコンピュータデバイスが含まれる。コンピュータデバイスの一例にはサーバ装置やＩＣチップが搭載された基板が含まれる。決済処理の一例には、オーソリゼーション（一般的には略してオーソリと呼ばれることが多い。）などの、利用可否に関する処理が含まれる。 (Payment device)
A payment device is a device that executes payment processing. An example of a payment device is a computer device of a financial institution that issues credit cards. An example of a computer device is a server device or a board equipped with an IC chip. An example of a payment process is a process related to availability, such as authorization (often abbreviated to "authorization").

（決済代行装置）
　決済代行装置は、クレジットカードを用いた運賃決済を代行する装置である。決済代行装置の一例にはコンピュータデバイスが含まれる。コンピュータデバイスの一例にはサーバ装置やＩＣチップが搭載された基板が含まれる。 (Payment agent device)
The payment agent is a device that processes freight payments using credit cards. An example of a payment agent is a computer device. An example of a computer device is a server device or a board on which an IC chip is mounted.

　本実施形態の決済代行装置には、駅情報テーブル、交通機関情報テーブル、及び運賃情報テーブルという３つのテーブルが記憶されている。以下、順に説明する。 The payment agent device of this embodiment stores three tables: a station information table, a transport facility information table, and a fare information table. These will be explained in order below.

（駅情報テーブル）
　図２は、駅情報テーブルを説明する模式図である。図２に示すように、決済代行装置は、例えばテーブル形式にて、駅識別情報を記憶することができる。駅識別情報とは駅を識別する情報である。駅識別情報には、駅の名称や後述する交通機関識別情報などが対応付けて記憶されていてもよい。 (Station information table)
Fig. 2 is a schematic diagram illustrating a station information table. As shown in Fig. 2, the payment agent device can store station identification information, for example, in a table format. The station identification information is information that identifies a station. The station identification information may be stored in association with the name of the station, transportation facility identification information (described later), and the like.

（交通機関情報テーブル）
　図３は、交通機関情報テーブルを説明する模式図である。図３に示すように、決済代行装置は、例えばテーブル形式にて、交通機関を識別する交通機関識別情報と、交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報と、を対応付けて記憶することができる。交通機関識別情報は交通機関を識別する情報である。加盟店識別情報は、交通機関のクレジットカード加盟店としての情報を識別する情報である。加盟店識別情報は、例えば、決済装置を管理する金融機関と交通機関との間で締結された加盟店契約などに基づき、金融機関から交通機関に対して割り当てられる。交通機関識別情報には、加盟店識別情報のほか、交通機関の名称などが対応付けて記憶されていてもよい。 (Transportation Information Table)
FIG. 3 is a schematic diagram illustrating a transportation facility information table. As shown in FIG. 3, the payment agent device can store, for example in table format, transportation facility identification information that identifies a transportation facility and affiliated store identification information that identifies information about the transportation facility as a credit card affiliated store in association with each other. The transportation facility identification information is information that identifies a transportation facility. The affiliated store identification information is information that identifies information about the transportation facility as a credit card affiliated store. The affiliated store identification information is assigned to the transportation facility by the financial institution, for example, based on an affiliated store contract concluded between the financial institution that manages the payment device and the transportation facility. In addition to the affiliated store identification information, the transportation facility identification information may also be stored in association with the name of the transportation facility, etc.

　本実施形態によれば、本来、本実施形態に係る駅端末、つまり、決済代行装置との間で所定のプロトコルに従った通信を行う機能を備えた駅端末を各駅に配置する必要がある。当該機能を備えない駅端末では、決済代行装置による通行制御を実行できない。しかるところ、乗車駅や降車駅ではない通過駅では通行制御を行う必要がない。また、本実施形態に係る駅端末を設置していない駅を通過駅とする直通運転時において、交通機関ごとに運賃を計算することができれば便利である。そこで、本実施形態では、決済代行装置が、乗車駅端末及び／又は降車駅端末を設置している交通機関の交通機関識別情報と交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報とを対応付けて記憶するとともに、乗車駅端末及び／又は降車駅端末を設置していない交通機関の交通機関識別情報と交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報とを対応付けて記憶するデータ構造を採用することとする。このようにすれば、すべての駅に本実施形態に係る駅端末を設置する必要がない。また、本実施形態に係る駅端末が設置されていない駅を通過駅とする直通運転時においても、交通機関ごとの運賃決済を実行することができる。もっとも、本発明はこのデータ構造に限定されるものではなく、本発明の決済代行装置には、決済代行装置が当該データ構造を持つ場合だけでなく、乗車駅端末及び／又は降車駅端末を設置している交通機関のみの交通機関識別情報と当該交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報とを対応付けて記憶するデータ構造を持つ場合も含まれる。 According to this embodiment, it is necessary to install a station terminal according to this embodiment, that is, a station terminal having a function of communicating with the payment agent according to a predetermined protocol, at each station. A station terminal that does not have this function cannot execute the passage control by the payment agent. However, there is no need to execute the passage control at passing stations that are not boarding or disembarking stations. In addition, it would be convenient if the fare could be calculated for each transportation facility during direct operation with a station that does not have a station terminal according to this embodiment installed as a passing station. Therefore, in this embodiment, a data structure is adopted in which the payment agent stores the transportation facility identification information of the transportation facility that has the boarding station terminal and/or disembarking station terminal installed and the affiliated store identification information that identifies the information of the transportation facility as a credit card affiliated store, and stores the transportation facility identification information of the transportation facility that does not have the boarding station terminal and/or disembarking station terminal installed and the affiliated store identification information that identifies the information of the transportation facility as a credit card affiliated store, in association with each other. In this way, it is not necessary to install station terminals according to this embodiment at all stations. In addition, fare payment for each transportation facility can be executed during direct operation with a station that does not have a station terminal according to this embodiment installed as a passing station. However, the present invention is not limited to this data structure, and the payment agent of the present invention includes not only cases where the payment agent has this data structure, but also cases where the payment agent has a data structure that associates and stores transportation facility identification information only for transportation facilities that have boarding station terminals and/or disembarking station terminals with affiliated store identification information that identifies information about the transportation facility as a credit card affiliated store.

（運賃情報テーブル）
　図４は、運賃情報テーブルを説明する模式図である。図４に示すように、決済代行装置は、例えばテーブル形式にて、クレジットカード情報と、加盟店識別情報と、運賃情報と、を対応付けて記憶することができる。 (Fare information table)
4 is a schematic diagram illustrating a fare information table. As shown in Fig. 4, the payment agent device can store credit card information, affiliated store identification information, and fare information in a table format, for example, in association with each other.

（動作例）
　図５Ａ乃至図５Ｃは、実施形態１に係る決済代行装置の動作例を説明する図である。 (Example of operation)
5A to 5C are diagrams illustrating an example of the operation of the payment agent device according to the first embodiment.

　以下では、利用客が、Ａ駅からＢ駅とＣ駅を通過してＤ駅まで直通運転される電車に乗車する場合を一例として採り上げる。Ａ駅は乗車駅であり、Ａ駅を識別する駅識別情報は「１２３４５６」であるものとする。Ｂ駅は通過駅であり、Ｂ駅を識別する駅識別情報は「２３４５６７」であるものとする。Ｃ駅は通過駅であり、Ｃ駅を識別する駅識別情報は「３４５６７８」であるものとする。Ｄ駅は降車駅であり、Ｄ駅を識別する駅識別情報は「４５６７８９」であるものとする。 In the following, we will take as an example the case where a passenger boards a train that runs directly from Station A to Station D, passing through Stations B and C. Station A is the boarding station, and the station identification information identifying Station A is "123456". Station B is a through station, and the station identification information identifying Station B is "234567". Station C is a through station, and the station identification information identifying Station C is "345678". Station D is the disembarking station, and the station identification information identifying Station D is "456789".

　また、Ａ駅からＢ駅までの区間はＸ鉄道により運営されており、当該区間の運賃は３００円であるものとする。また、Ｂ駅からＣ駅までの区間はＹ鉄道により運営されており、当該区間の運賃は２００円であるものとする。また、Ｃ駅からＤ駅までの区間はＺ電鉄により運営されており、当該区間の運賃は４００円であるものとする。また、Ｘ鉄道を識別する交通機関識別情報はＸであり、Ｙ鉄道を識別する交通機関識別情報はＹであり、Ｚ電鉄を識別する交通機関識別情報はＺであるとする。 The section from Station A to Station B is operated by X Railway, and the fare for that section is 300 yen. The section from Station B to Station C is operated by Y Railway, and the fare for that section is 200 yen. The section from Station C to Station D is operated by Z Electric Railway, and the fare for that section is 400 yen. The transportation facility identification information identifying X Railway is X, the transportation facility identification information identifying Y Railway is Y, and the transportation facility identification information identifying Z Electric Railway is Z.

　また、Ｘ鉄道は、決済装置を管理する金融機関のクレジットカード加盟店であり、当該加盟店を識別する加盟店識別情報は「００１」であるものとする。また、Ｙ鉄道も、決済装置を管理する金融機関のクレジットカード加盟店であり、当該加盟店を識別する加盟店識別情報は「００２」であるものとする。また、Ｚ電鉄も、決済装置を管理する金融機関のクレジットカード加盟店であり、当該加盟店を識別する加盟店識別情報は「００３」であるものとする。 Furthermore, X Railway is a credit card affiliate of the financial institution that manages the payment device, and the affiliate identification information identifying this affiliate is "001". Y Railway is also a credit card affiliate of the financial institution that manages the payment device, and the affiliate identification information identifying this affiliate is "002". Z Railway is also a credit card affiliate of the financial institution that manages the payment device, and the affiliate identification information identifying this affiliate is "003".

　また、Ｘ鉄道とＺ電鉄が運営する駅には本実施形態に係る駅端末が設置されているが、Ｙ鉄道が運営する駅には本実施形態に係る駅端末が配置されていないものとする。Ｘ鉄道の駅に設置されている駅端末が乗車駅端末であり、Ｚ電鉄の駅に設置されている駅端末が降車駅端末となる。 Furthermore, station terminals according to this embodiment are installed in stations operated by X Railway and Z Railway, but station terminals according to this embodiment are not installed in stations operated by Y Railway. The station terminals installed in X Railway stations are boarding station terminals, and the station terminals installed in Z Railway stations are disembarking station terminals.

　また、決済代行装置は、交通機関情報テーブルにおいて、Ｘ鉄道とＺ電鉄の交通機関識別情報とこれら交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報とを対応付けて記憶するとともに、Ｙ鉄道の交通機関識別情報とクレジットカード加盟店としての情報を識別する加盟店識別情報とを対応付けて記憶しているものとする。 The payment agent also stores in the transportation facility information table the transportation facility identification information of X Railway and Z Railway and the affiliated store identification information that identifies the information of these transportation facilities as credit card affiliated stores in association with each other, and also stores the transportation facility identification information of Y Railway and the affiliated store identification information that identifies the information of Y Railway as a credit card affiliated store in association with each other.

　以下、図５Ａ乃至図５Ｃを参照しつつ、各ステップを説明する。 Each step will be explained below with reference to Figures 5A to 5C.

（ステップ１０）
　まず、乗車駅端末は、例えば、利用客のクレジットカードやスマートフォンなどの利用者端末からクレジットカード情報を読み取る。 (Step 10)
First, the boarding station terminal reads credit card information from the passenger's user terminal, such as a credit card or smartphone.

（ステップ１１）
　次に、決済代行装置は、乗車駅端末から乗車駅を識別する駅識別情報を受信する。具体的には、決済代行装置は、Ｘ鉄道が運営するＡ駅の駅端末から駅識別情報「１２３４５６」を受信する。 (Step 11)
Next, the payment agent device receives station identification information that identifies the boarding station from the boarding station terminal. Specifically, the payment agent device receives the station identification information "123456" from the station terminal of Station A operated by X Railway.

　本ステップにおいて、決済代行装置は、乗車駅端末から、例えば、駅識別情報とともに、クレジットカード番号を一意に特定できる値を受信してもよい。乗車駅端末は、例えば、ステップ１０で読み取ったクレジットカード情報に含まれるクレジットカード番号を用いて、クレジットカード番号を一意に特定できる値を生成や取得などすることができる。クレジットカード番号を一意に特定できる値の一例には、クレジットカード番号をパラメータとするハッシュ関数を求めて得られるハッシュ値、クレジットカード番号を暗号鍵で暗号化して得られる値、１などの所定の数字から順にインクリメントして得られるクレジットカード番号に一対一に対応する値などが含まれる。 In this step, the payment agent device may receive, for example, a value that can uniquely identify the credit card number from the boarding station terminal along with the station identification information. The boarding station terminal can generate or obtain a value that can uniquely identify the credit card number, for example, by using the credit card number included in the credit card information read in step 10. Examples of values that can uniquely identify the credit card number include a hash value obtained by calculating a hash function with the credit card number as a parameter, a value obtained by encrypting the credit card number with an encryption key, and a value that has a one-to-one correspondence with the credit card number obtained by incrementing sequentially from a predetermined number such as 1.

（ステップ１２）
　次に、決済代行装置は、ステップ１１で受信した駅識別情報を運賃計算装置に送信する。具体的には、決済代行装置は、ステップ１１で受信した駅識別情報「１２３４５６」を運賃計算装置に送信する。なお、ステップ１１で駅識別情報とともにクレジットカード番号を一意に特定できる値を受信する場合、決済代行装置は、駅識別情報と当該値を運賃計算装置に送信する。 (Step 12)
Next, the payment agent device transmits to the fare calculation device the station identification information received in step 11. Specifically, the payment agent device transmits to the fare calculation device the station identification information "123456" received in step 11. Note that, if a value that can uniquely identify a credit card number is received together with the station identification information in step 11, the payment agent device transmits the station identification information and that value to the fare calculation device.

（ステップ１３）
　次に、決済代行装置は、運賃計算装置から、乗車駅での通行制御に関する信号を受信する。当該信号の一例には、「正常」あるいは「異常」を示す情報が含まれる。当該信号は、例えば、二重乗車であるかどうかのチェック（例：サイクルチェック）の結果などに基づき生成される。 (Step 13)
Next, the payment agent device receives a signal related to traffic control at the boarding station from the fare calculation device. An example of the signal includes information indicating "normal" or "abnormal". The signal is generated based on the result of a check for double boarding (e.g., cycle check), for example.

（ステップ１４）
　次に、決済代行装置は、乗車駅端末に対して、ステップ１３で運賃計算装置から受信した通行制御に関する信号を送信する。 (Step 14)
Next, the payment agent device transmits the signal regarding passage control received from the fare calculation device in step 13 to the boarding station terminal.

（ステップ１５）
　次に、乗車駅端末は、決済代行装置から受信した通行制御に関する信号に基づいて通行制御を行う。通行制御の一例には、例えば、受信した信号が正常を示すものであれば改札機の扉を開くあるいは開いたままとする制御、異常を示すものであれば改札機の扉を閉じるあるいは閉じたままとする制御のほか、駅端末などの画面に正常や異常であることを示す表示を行う制御などが含まれる。 (Step 15)
Next, the boarding station terminal performs passage control based on the passage control signal received from the payment agent device. Examples of passage control include, for example, control to open or keep open the ticket gate door if the received signal indicates normality, control to close or keep closed the ticket gate door if the signal indicates an abnormality, and control to display an indication of normality or abnormality on the screen of the station terminal or the like.

（ステップ１６）
　次に、決済代行装置は、乗車駅端末から乗車駅端末がステップ１０で読み取ったクレジットカード情報を受信する。クレジットカード情報には、上記のとおり、例えば、クレジットカード番号のほか有効期限や発行国などの情報が含まれる。このように、駅端末における通行制御の後にクレジットカード情報を受信することにより、駅端末がクレジットカード情報の送信に優先して通行制御を実行することができるため、通行制御の実行に要する時間を短縮することができる。 (Step 16)
Next, the payment agent device receives from the boarding station terminal the credit card information that the boarding station terminal read in step 10. As described above, the credit card information includes information such as the credit card number, expiration date, and issuing country. In this way, by receiving the credit card information after passage control at the station terminal, the station terminal can execute passage control in priority to sending the credit card information, and therefore the time required to execute passage control can be shortened.

　本ステップは、ステップ１１において実行されてもよい。すなわち、決済代行装置は、ステップ１１において、乗車駅端末から駅識別情報を受信するとともに、クレジットカード情報を受信してもよい。「前記乗車駅端末からクレジットカード情報を受信し」には、本実施形態のように、乗車駅端末から駅識別情報を受信した後に、クレジットカード情報を受信する形態のほか、本実施形態とは異なり、乗車駅端末から駅識別情報とともにクレジットカード情報を受信する形態が含まれる。 This step may be executed in step 11. That is, in step 11, the payment agent device may receive the station identification information from the boarding station terminal and also receive the credit card information. "Receiving the credit card information from the boarding station terminal" includes not only a form in which the station identification information is received from the boarding station terminal and then the credit card information is received, as in this embodiment, but also a form in which the credit card information is received from the boarding station terminal together with the station identification information, which is different from this embodiment.

（ステップ１７）
　次に、降車駅端末は、例えば、利用客のクレジットカードやスマートフォンなどの利用者端末からクレジットカード情報を読み取る。 (Step 17)
Next, the disembarking station terminal reads credit card information from the passenger's user terminal, such as a credit card or smartphone.

（ステップ１８）
　次に、決済代行装置は、降車駅端末から降車駅を識別する駅識別情報を受信する。具体的には、決済代行装置は、Ｚ電鉄が運営するＤ駅の駅端末から駅識別情報「４５６７８９」を受信する。 (Step 18)
Next, the payment agent device receives station identification information for identifying the alighting station from the alighting station terminal. Specifically, the payment agent device receives the station identification information "456789" from the station terminal of D station operated by Z Electric Railway.

　本ステップにおいて、決済代行装置は、ステップ１１の場合と同様に、降車駅端末から、例えば、駅識別情報とともに、クレジットカード番号を一意に特定できる値を受信してもよい。 In this step, the payment agent device may receive, for example, a value that can uniquely identify the credit card number together with station identification information from the disembarking station terminal, as in step 11.

（ステップ１９）
　次に、決済代行装置は、ステップ１８で受信した受信した駅識別情報を運賃計算装置に送信する。具体的には、決済代行装置は、ステップ１８で受信した駅識別情報「４５６７８９」を運賃計算装置に送信する。 (Step 19)
Next, the payment agent device transmits to the fare calculation device the station identification information received in step 18. Specifically, the payment agent device transmits to the fare calculation device the station identification information "456789" received in step 18.

　ステップ１８で駅識別情報とともにクレジットカード番号を一意に特定できる値を受信する場合、決済代行装置は、ステップ１２の場合と同様に、駅識別情報と当該値を運賃計算装置に送信する。運賃計算装置は、ステップ１２と本ステップで、決済代行装置からクレジットカード番号を一意に特定できる値を受信する場合は、当該値を用いて、ステップ１２で決済代行装置から受信した乗車駅の駅識別情報と本ステップで決済代行装置から受信した降車駅の駅識別情報を用いて、利用客がどの駅から電車に乗り、どの駅で電車から降りたのかを求めることができる。本実施形態の例でいうと、運賃計算装置は、Ａ駅が乗車駅であり、Ｄ駅が降車駅であるとして、運賃計算を実行することができる。 If a value that can uniquely identify a credit card number is received together with the station identification information in step 18, the payment agent sends the station identification information and that value to the fare calculation device, as in step 12. If the fare calculation device receives a value that can uniquely identify a credit card number from the payment agent in step 12 and this step, it can use that value to determine which station the passenger boarded the train at and which station he or she disembarked from, using the station identification information of the boarding station received from the payment agent in step 12 and the station identification information of the disembarking station received from the payment agent in this step. In the example of this embodiment, the fare calculation device can perform fare calculation assuming that Station A is the boarding station and Station D is the disembarking station.

（ステップ２０）
　次に、決済代行装置は、運賃計算装置から、降車駅での通行制御に関する信号と、交通機関識別情報と、交通機関識別情報により識別される交通機関ごとの運賃情報と、を受信する。具体的には、決済代行装置は、運賃計算装置から、Ｘ鉄道の交通機関識別情報Ｘと運賃情報３００円、Ｙ鉄道の交通機関識別情報Ｙと運賃情報２００円、Ｚ電鉄の交通機関識別情報Ｚと運賃情報４００円を受信する。通行制御に関する信号の一例は、ステップ１３の場合と同様であるので、説明を省略する。 (Step 20)
Next, the payment agent device receives from the fare calculation device a signal related to traffic control at the disembarking station, the transportation facility identification information, and fare information for each transportation facility identified by the transportation facility identification information. Specifically, the payment agent device receives from the fare calculation device transportation facility identification information X of X Railway and fare information 300 yen, transportation facility identification information Y of Y Railway and fare information 200 yen, and transportation facility identification information Z of Z Railway and fare information 400 yen. An example of the signal related to traffic control is the same as that in step 13, so a description thereof will be omitted.

（ステップ２１）
　次に、決済代行装置は、降車駅端末に対して、ステップ２０で運賃計算装置から受信した通行制御に関する信号を送信する。なお、本ステップにおいて、決済代行装置は、ステップ２０で受信した交通機関ごとの運賃情報の和（つまり、Ａ駅からＤ駅までの合計運賃９００円）を計算し、その計算結果を通行制御に関する信号とともに、降車駅端末に送信してもよい。また、合計運賃は、決済代行装置で計算するのではなく、運賃計算装置で計算してこれを運賃計算装置から決済代行装置に送信してもよい。その場合、決済代行装置は、運賃計算装置から受信した合計運賃を通行制御に関する信号とともに、降車駅端末に送信することができる。 (Step 21)
Next, the payment agent device transmits the signal regarding passage control received from the fare calculation device in step 20 to the disembarking station terminal. Note that in this step, the payment agent device may calculate the sum of the fare information for each transportation means received in step 20 (i.e., a total fare of 900 yen from Station A to Station D) and transmit the calculation result to the disembarking station terminal together with the signal regarding passage control. Also, the total fare may not be calculated by the payment agent device, but may be calculated by the fare calculation device and transmitted from the fare calculation device to the payment agent device. In that case, the payment agent device can transmit the total fare received from the fare calculation device to the disembarking station terminal together with the signal regarding passage control.

（ステップ２２）
　次に、降車駅端末は、決済代行装置から受信した通行制御に関する信号に基づいて通行制御を行う。降車駅での通行制御は、基本的にはステップ１５で説明した乗車駅での通行制御と同じであるが、これに加えて、さらに、例えば駅端末に運賃情報を表示するなどの制御を行うことが可能である。 (Step 22)
Next, the disembarking station terminal performs traffic control based on the traffic control signal received from the payment agent. Traffic control at the disembarking station is basically the same as the traffic control at the boarding station described in step 15, but in addition to this, it is possible to perform further control such as displaying fare information on the station terminal.

（ステップ２３）
　次に、決済代行装置は、降車駅端末から降車駅端末がステップ１７で読み取ったクレジットカード情報を受信する。駅端末における通行制御の後にクレジットカード情報を受信することにより、ステップ１６の場合と同様に、駅端末がクレジットカード情報の送信に優先して通行制御を実行することができるため、通行制御の実行に要する時間を短縮することができる。なお、ステップ１６の場合と同様に、本ステップは、ステップ１８において実行されてもよい。すなわち、決済代行装置は、ステップ１８において、降車駅端末から駅識別情報を受信するとともに、クレジットカード情報を受信してもよい。「前記降車駅端末からクレジットカード情報を受信し」には、本実施形態のように、降車駅端末から駅識別情報を受信した後に、クレジットカード情報を受信する形態のほか、本実施形態とは異なり、降車駅端末から駅識別情報とともにクレジットカード情報を受信する形態が含まれる。 (Step 23)
Next, the payment agent device receives from the alighting station terminal the credit card information that the alighting station terminal read in step 17. By receiving the credit card information after the passage control at the station terminal, the station terminal can execute passage control prior to sending the credit card information, as in the case of step 16, and therefore the time required to execute passage control can be shortened. As in the case of step 16, this step may be executed in step 18. That is, in step 18, the payment agent device may receive the station identification information from the alighting station terminal and also receive the credit card information. "Receiving the credit card information from the alighting station terminal" includes a form in which the credit card information is received after receiving the station identification information from the alighting station terminal, as in this embodiment, as well as a form in which the credit card information is received from the alighting station terminal together with the station identification information, which is different from this embodiment.

（ステップ２４）
　次に、決済代行装置は、ステップ１６とステップ２３で乗車駅端末及び降車駅端末からそれぞれ受信したクレジットカード情報の一方と、ステップ２０で運賃計算装置から受信した交通機関識別情報に対応付けて記憶されている加盟店識別情報と、ステップ２０で運賃計算装置から受信した運賃情報と、を対応付けて記憶する。具体的には、Ｘ鉄道の加盟店識別情報００１と運賃情報３００円とステップ１６とステップ２３で乗車駅端末及び降車駅端末からそれぞれ受信したクレジットカード情報の一方とを対応付けて記憶し、Ｙ鉄道の加盟店識別情報００２と運賃情報２００円とステップ１６とステップ２３で乗車駅端末及び降車駅端末からそれぞれ受信したクレジットカード情報の一方とを対応付けて記憶し、Ｚ電鉄の加盟店識別情報００３と運賃情報４００円とステップ１６とステップ２３で乗車駅端末及び降車駅端末からそれぞれ受信したクレジットカード情報の一方とを対応付けて記憶する。なお、決済代行装置は、例えば、図３の交通機関情報テーブルから、ステップ２０で運賃計算装置から受信した交通機関識別情報に対応付けて記憶されている加盟店識別情報を読み出し、この読み出した加盟店識別情報をクレジットカード情報と運賃情報に対応付けて記憶する。 (Step 24)
Next, the payment agent device associates and stores one of the pieces of credit card information received from the boarding station terminal and the disembarking station terminal in steps 16 and 23, the affiliated store identification information stored in association with the transportation facility identification information received from the fare calculation device in step 20, and the fare information received from the fare calculation device in step 20. Specifically, the payment agent device associates and stores the affiliated store identification information 001 of X Railway, the fare information 300 yen, and one of the pieces of credit card information received from the boarding station terminal and the disembarking station terminal in steps 16 and 23, the affiliated store identification information 002 of Y Railway, the fare information 200 yen, and one of the pieces of credit card information received from the boarding station terminal and the disembarking station terminal in steps 16 and 23, and the affiliated store identification information 003 of Z Railway, the fare information 400 yen, and one of the pieces of credit card information received from the boarding station terminal and the disembarking station terminal in steps 16 and 23. In addition, the payment agency device reads, for example, from the transportation information table of Figure 3, the affiliated store identification information stored in association with the transportation identification information received from the fare calculation device in step 20, and stores this read-out affiliated store identification information in association with the credit card information and the fare information.

（ステップ２５）
　次に、決済代行装置は、ステップ２４で対応付けて記憶した加盟店識別情報とクレジットカード情報と運賃情報とを決済装置に送信する。例えば、決済代行装置は、決済装置に対して、Ｘ鉄道の加盟店識別情報００１と運賃情報３００円とクレジットカード情報とを対応付けて送信し、Ｙ鉄道の加盟店識別情報００２と運賃情報２００円とクレジットカード情報とを対応付けて送信し、Ｚ電鉄の加盟店識別情報００３と運賃情報４００円とクレジットカード情報とを対応付けて送信する。 (Step 25)
Next, the payment agent transmits to the payment device the affiliated store identification information, credit card information, and fare information that were associated and stored in step 24. For example, the payment agent transmits to the payment device affiliated store identification information 001, fare information 300 yen, and credit card information for X Railway, associated with each other, affiliated store identification information 002, fare information 200 yen, and credit card information for Y Railway, and associated with each other, and transmits affiliated store identification information 003, fare information 400 yen, and credit card information for Z Railway.

　以上説明した実施形態１によれば、改札機などの駅端末に代わり、決済代行装置が決済装置に対して決済要求を行う。このため、駅端末は、決済装置からの応答を待つことなく、決済代行装置からの信号に応じて駅での通行制御を行うことができる。また、決済代行装置は、交通機関情報テーブルにおいて、Ｘ鉄道とＺ電鉄の交通機関識別情報とこれら交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報とを対応付けて記憶するとともに、Ｙ鉄道の交通機関識別情報とクレジットカード加盟店としての情報を識別する加盟店識別情報とを対応付けて記憶している。このため、駅端末が設置されていない駅を運営する交通機関を含めて、交通機関ごとの運賃決済を実行することができる。 According to the first embodiment described above, the payment agent makes a payment request to the payment device instead of station terminals such as ticket gates. Therefore, the station terminal can control passage at the station in response to a signal from the payment agent, without waiting for a response from the payment device. Furthermore, in the transportation facility information table, the payment agent stores transportation facility identification information for X Railway and Z Railway in association with affiliated store identification information that identifies these transportation facilities as credit card affiliated stores, and also stores transportation facility identification information for Y Railway in association with affiliated store identification information that identifies its information as a credit card affiliated store. Therefore, fare payments can be made for each transportation facility, including transportation facilities that operate stations where station terminals are not installed.

［実施形態２に係る決済代行装置］
　図６は実施形態２に係る決済代行装置を備えたシステムの構成例を説明する模式図である。本実施形態は、決済代行装置が運賃計算処理を実行する点で、当該処理を決済代行装置とは別の運賃計算装置が実行する実施形態１と相違し、その他の点で実施形態１と同じ構成を有する。以下、実施形態２に係る決済代行装置の動作例を説明する。 [Payment agent device according to embodiment 2]
6 is a schematic diagram for explaining an example of the configuration of a system including a payment agent device according to embodiment 2. This embodiment differs from embodiment 1 in that the payment agent device executes the freight calculation process, and the process is executed by a freight calculation device separate from the payment agent device, but has the same configuration as embodiment 1 in other respects. An example of the operation of the payment agent device according to embodiment 2 will be explained below.

（ステップ４０）
　まず、乗車駅端末は、例えば、利用客のクレジットカードやスマートフォンなどの利用者端末からクレジットカード情報を読み取る。本ステップは上記したステップ１０と同じステップである。 (Step 40)
First, the boarding station terminal reads credit card information from the passenger's user terminal, such as a credit card or a smartphone. This step is the same as step 10 described above.

（ステップ４１）
　次に、決済代行装置は、乗車駅端末から乗車駅を識別する駅識別情報を受信する。具体的には、決済代行装置は、Ｘ鉄道が運営するＡ駅の駅端末から駅識別情報「１２３４５６」を受信する。本ステップは上記したステップ１１と同じステップである。ステップ１１の場合と同様に、本ステップにおいて、決済代行装置は、乗車駅端末から、例えば、駅識別情報とともに、クレジットカード番号を一意に特定できる値を受信してもよい。 (Step 41)
Next, the payment agent device receives station identification information that identifies the boarding station from the boarding station terminal. Specifically, the payment agent device receives the station identification information "123456" from the station terminal of Station A operated by X Railway. This step is the same as step 11 described above. As in step 11, in this step, the payment agent device may receive, for example, a value that can uniquely identify a credit card number together with the station identification information from the boarding station terminal.

（ステップ４２）
　次に、決済代行装置は、乗車駅端末に対して、通行制御に関する信号を送信する。当該信号は、ステップ１４で説明したものと同じものである。 (Step 42)
Next, the payment agent device transmits a signal related to passage control to the boarding station terminal. This signal is the same as that described in step 14.

（ステップ４３）
　次に、乗車駅端末は、決済代行装置から受信した通行制御に関する信号に基づいて通行制御を行う。本ステップの通行制御は、ステップ１５と同じものである。 (Step 43)
Next, the boarding station terminal performs traffic control based on the signal related to traffic control received from the payment agent device. The traffic control in this step is the same as that in step 15.

（ステップ４４）
　次に、決済代行装置は、乗車駅端末から乗車駅端末がステップ４０で読み取ったクレジットカード情報を受信する。本ステップは、ステップ１６と同じステップである。ステップ１６の場合と同様に、本ステップはステップ４１において実行されてもよい。 (Step 44)
Next, the payment agent device receives from the boarding station terminal the credit card information that the boarding station terminal read in step 40. This step is the same as step 16. As in the case of step 16, this step may be executed in step 41.

（ステップ４５）
　次に、降車駅端末は、例えば、利用客のクレジットカードやスマートフォンなどの利用者端末からクレジットカード情報を読み取る。本ステップはステップ１７と同じステップである。 (Step 45)
Next, the exit station terminal reads credit card information from the passenger's user terminal, such as a credit card or a smartphone. This step is the same as step 17.

（ステップ４６）
　次に、決済代行装置は、降車駅端末から降車駅を識別する駅識別情報を受信する。具体的には、決済代行装置は、Ｚ電鉄が運営するＤ駅の駅端末から駅識別情報「４５６７８９」を受信する。本ステップは上記したステップ１８と同じステップである。ステップ１８の場合と同様に、本ステップにおいて、決済代行装置は、降車駅端末から、例えば、駅識別情報とともに、クレジットカード番号を一意に特定できる値を受信してもよい。 (Step 46)
Next, the payment agent device receives station identification information identifying the alighting station from the alighting station terminal. Specifically, the payment agent device receives station identification information "456789" from the station terminal of D station operated by Z Electric Railway. This step is the same as step 18 described above. As in step 18, in this step, the payment agent device may receive, for example, a value that can uniquely identify a credit card number together with the station identification information from the alighting station terminal.

（ステップ４７）
　次に、決済代行装置は、降車駅端末に対して、通行制御に関する信号を送信する。当該信号は、ステップ２１で説明したものと同じものである。 (Step 47)
Next, the payment agent device transmits a signal regarding passage control to the exit station terminal. This signal is the same as that described in step 21.

（ステップ４８）
　次に、降車駅端末は、決済代行装置から受信した通行制御に関する信号に基づいて通行制御を行う。本ステップの通行制御は、ステップ２２で説明したものと同じであるので、説明を省略する。 (Step 48)
Next, the exit station terminal performs traffic control based on the traffic control-related signal received from the payment agent device. The traffic control in this step is the same as that described in step 22, so a description thereof will be omitted.

（ステップ４９）
　次に、決済代行装置は、降車駅端末から降車駅端末がステップ４５で読み取ったクレジットカード情報を受信する。本ステップは、ステップ２３と同じステップである。ステップ２３の場合と同様に、本ステップはステップ４６において実行されてもよい。 (Step 49)
Next, the payment agent device receives from the alighting station terminal the credit card information that the alighting station terminal read in step 45. This step is the same as step 23. As in step 23, this step may be performed in step 46.

（ステップ５０）
　次に、決済代行装置は、ステップ４１で乗車駅端末から受信した駅識別情報とステップ４６で降車駅端末から受信した駅識別情報とを用いて交通機関ごとの運賃情報を算出する。具体的には、決済代行装置は、Ｘ鉄道の運賃情報として３００円を算出し、Ｙ鉄道の運賃情報として２００円を算出し、Ｚ電鉄の運賃情報として４００円を算出する。ステップ１９で説明したのと同様に、ステップ４１とステップ４６で、決済代行装置からクレジットカード番号を一意に特定できる値を受信する場合は、当該値を用いて、決済代行装置は、ステップ４１で受信した駅識別情報により識別される駅が乗車駅であり、ステップ４６で受信した駅識別情報により識別される駅が降車駅であるとして、運賃計算を実行することができる。 (Step 50)
Next, the payment agent device calculates fare information for each transportation facility using the station identification information received from the boarding station terminal in step 41 and the station identification information received from the disembarking station terminal in step 46. Specifically, the payment agent device calculates 300 yen as fare information for X Railway, 200 yen as fare information for Y Railway, and 400 yen as fare information for Z Railway. As explained in step 19, when a value that can uniquely identify a credit card number is received from the payment agent device in steps 41 and 46, the payment agent device can use the value to perform fare calculation, assuming that the station identified by the station identification information received in step 41 is the boarding station and the station identified by the station identification information received in step 46 is the disembarking station.

（ステップ５１）
　次に、決済代行装置は、ステップ４４とステップ４９で乗車駅端末及び降車駅端末からそれぞれ受信したクレジットカード情報の一方と、ステップ５０で運賃情報を算出した交通機関を識別する交通機関識別情報に対応付けて記憶されている加盟店識別情報と、ステップ５０で算出した運賃情報と、を対応付けて記憶する。具体的には、Ｘ鉄道の加盟店識別情報００１と運賃情報３００円とステップ４４とステップ４９で乗車駅端末及び降車駅端末からそれぞれ受信したクレジットカード情報の一方とを対応付けて記憶し、Ｙ鉄道の加盟店識別情報００２と運賃情報２００円とステップ４４とステップ４９で乗車駅端末及び降車駅端末からそれぞれ受信したクレジットカード情報の一方とを対応付けて記憶し、Ｚ電鉄の加盟店識別情報００３と運賃情報４００円とステップ４４とステップ４９で乗車駅端末及び降車駅端末からそれぞれ受信したクレジットカード情報の一方とを対応付けて記憶する。 (Step 51)
Next, the payment agent device associates and stores one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49, the affiliated store identification information stored in association with the transportation facility identification information identifying the transportation facility that calculated the fare information in step 50, and the fare information calculated in step 50. Specifically, the payment agent device associates and stores the affiliated store identification information 001 of X Railway, the fare information 300 yen, and one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49, the affiliated store identification information 002 of Y Railway, the fare information 200 yen, and one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49, and the affiliated store identification information 003 of Z Railway, the fare information 400 yen, and one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49.

（ステップ５２）
　次に、決済代行装置は、ステップ５１で対応付けて記憶した加盟店識別情報とクレジットカード情報と運賃情報とを決済装置に送信する。具体的には、決済代行装置は、決済装置に対して、Ｘ鉄道の加盟店識別情報００１と運賃情報３００円とクレジットカード情報とを対応付けて送信し、Ｙ鉄道の加盟店識別情報００２と運賃情報２００円とクレジットカード情報とを対応付けて送信し、Ｚ電鉄の加盟店識別情報００３と運賃情報４００円とクレジットカード情報とを対応付けて送信する。 (Step 52)
Next, the payment agent transmits to the payment device the affiliated store identification information, credit card information, and fare information that were associated and stored in step 51. Specifically, the payment agent transmits to the payment device affiliated store identification information 001, fare information 300 yen, and credit card information for X Railway, associated with each other, affiliated store identification information 002, fare information 200 yen, and credit card information for Y Railway, and associated with each other, affiliated store identification information 003, fare information 400 yen, and credit card information for Z Railway.

　実施形態１に係る決済代行装置は、決済代行装置とは別に運賃計算装置を構築や管理などすることが可能であり、複数の交通機関が相互乗り入れしている路線などのように、運賃計算の処理が比較的複雑になる場合に好ましく適用することができる。これに対し、実施形態２に係る決済代行装置は、決済代行装置と運賃計算装置を同じデバイスの中に作り込むことが可能であり、２点間の駅が決まれば運賃が容易に計算できる１社の交通機関が運営する路線などのように、運賃計算が比較的シンプルな場合に好ましく適用することができる。 The payment agency device according to embodiment 1 is capable of constructing and managing a fare calculation device separately from the payment agency device, and is preferably applied in cases where the fare calculation process is relatively complicated, such as on routes where multiple transport operators share the same line. In contrast, the payment agency device according to embodiment 2 is capable of building the payment agency device and fare calculation device into the same device, and is preferably applied in cases where the fare calculation is relatively simple, such as on routes operated by a single transport operator, where the fare can be easily calculated once the stations between two points are determined.

　以上、実施形態について説明したが、これらの説明は一例を示すものであり、これらの説明によって請求の範囲に記載された構成は何ら限定されるものではない。上記の説明と異なる形態であっても、請求の範囲に記載された構成を備える形態であれば、本発明の効果を奏するものであり、本発明に含まれる。
  Although the embodiment has been described above, these descriptions are merely examples, and the configurations described in the claims are not limited in any way by these descriptions. Even if the embodiment differs from the above description, as long as it has the configurations described in the claims, it will have the effect of the present invention and be included in the present invention.

Claims (3)

　クレジットカードを用いた運賃決済を代行する決済代行装置であって、
　ネットワークを介して、乗車駅に設置された乗車駅端末、降車駅に設置された降車駅端末、交通機関ごとの運賃を計算する運賃計算装置、及び決済処理を実行する決済装置に接続され、
　前記交通機関を識別する交通機関識別情報と、前記交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報と、を対応付けて記憶し、
　前記乗車駅端末から乗車駅を識別する駅識別情報を受信し、
　前記乗車駅端末から受信した駅識別情報を前記運賃計算装置に送信し、
　前記運賃計算装置から乗車駅での通行制御に関する信号を受信し、
　前記運賃計算装置から受信した通行制御に関する信号を前記乗車駅端末に対して送信し、
　前記乗車駅端末からクレジットカード情報を受信し、
　前記降車駅端末から降車駅を識別する駅識別情報を受信し、
　前記降車駅端末から受信した駅識別情報を前記運賃計算装置に送信し、
　前記運賃計算装置から、降車駅での通行制御に関する信号と、前記交通機関識別情報と、前記交通機関識別情報により識別される交通機関ごとの運賃情報と、を受信し、
　前記運賃計算装置から受信した通行制御に関する信号を前記降車駅端末に対して送信し、
　前記降車駅端末から前記クレジットカード情報を受信し、
　前記乗車駅端末及び前記降車駅端末から受信したクレジットカード情報の一方と、前記運賃計算装置から受信した交通機関識別情報に対応付けて記憶されている加盟店識別情報と、前記運賃計算装置から受信した運賃情報と、を対応付けて記憶し、
　前記対応付けて記憶されているクレジットカード情報と、加盟店識別情報と、運賃情報とを前記決済装置に送信する決済代行装置。 A payment agent that processes fare payments using credit cards,
The system is connected via a network to a boarding station terminal installed at a boarding station, a disembarking station terminal installed at a disembarking station, a fare calculation device that calculates the fare for each transportation means, and a payment device that executes payment processing,
storing, in association with each other, transportation facility identification information for identifying the transportation facility and affiliated store identification information for identifying information of the transportation facility as a credit card affiliated store;
receiving station identification information for identifying a boarding station from the boarding station terminal;
Transmitting the station identification information received from the boarding station terminal to the fare calculation device;
receiving a signal related to traffic control at the boarding station from the fare calculation device;
Transmitting a signal regarding traffic control received from the fare calculation device to the boarding station terminal;
receiving credit card information from the boarding station terminal;
receiving station identification information for identifying the alighting station from the alighting station terminal;
Transmitting the station identification information received from the alighting station terminal to the fare calculation device;
receiving from the fare calculation device a signal related to traffic control at a disembarking station, the transportation facility identification information, and fare information for each transportation facility identified by the transportation facility identification information;
Transmitting a signal regarding traffic control received from the fare calculation device to the alighting station terminal;
receiving the credit card information from the alighting station terminal;
storing, in association with one of the credit card information received from the boarding station terminal and the disembarking station terminal, affiliated store identification information stored in association with the transportation facility identification information received from the fare calculation device, and fare information received from the fare calculation device;
A payment agent transmits the associated and stored credit card information, affiliated store identification information, and shipping information to the payment device. 　クレジットカードを用いた運賃決済を代行する決済代行装置であって、
　ネットワークを介して、乗車駅に設置された乗車駅端末、降車駅に設置された降車駅端末、及び決済処理を実行する決済装置に接続され、
　前記交通機関を識別する交通機関識別情報と、前記交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報と、を対応付けて記憶し、
　前記乗車駅端末から乗車駅を識別する駅識別情報を受信し、
　前記乗車駅端末に対して通行制御に関する信号を送信し、
　前記乗車駅端末からクレジットカード情報を受信し、
　前記降車駅端末から降車駅を識別する駅識別情報を受信し、
　前記降車駅端末に対して通行制御に関する信号を送信し、
　前記降車駅端末から前記クレジットカード情報を受信し、
　前記乗車駅端末から受信した駅識別情報と前記降車駅端末から受信した駅識別情報とを用いて交通機関ごとの運賃情報を算出し、
　前記乗車駅端末及び前記降車駅端末から受信したクレジットカード情報の一方と、前記運賃情報を算出した交通機関を識別する交通機関識別情報に対応付けて記憶されている加盟店識別情報と、前記算出した運賃情報と、を対応付けて記憶し、
　前記対応付けて記憶されているクレジットカード情報と、加盟店識別情報と、運賃情報とを前記決済装置に送信する決済代行装置。 A payment agent that processes fare payments using credit cards,
The system is connected via a network to a boarding station terminal installed at a boarding station, an alighting station terminal installed at a deboarding station, and a payment device that executes payment processing,
storing, in association with each other, transportation facility identification information for identifying the transportation facility and affiliated store identification information for identifying information of the transportation facility as a credit card affiliated store;
receiving station identification information for identifying a boarding station from the boarding station terminal;
Transmitting a signal regarding traffic control to the boarding station terminal;
receiving credit card information from the boarding station terminal;
receiving station identification information for identifying the alighting station from the alighting station terminal;
Transmitting a signal regarding traffic control to the alighting station terminal;
receiving the credit card information from the alighting station terminal;
Calculating fare information for each transportation facility using the station identification information received from the boarding station terminal and the station identification information received from the disembarking station terminal;
storing, in association with one of the credit card information received from the boarding station terminal and the disembarking station terminal, affiliated store identification information stored in association with transportation facility identification information that identifies the transportation facility that calculated the fare information, and the calculated fare information;
A payment agent transmits the associated and stored credit card information, affiliated store identification information, and shipping information to the payment device. 　請求項１または２に記載の決済代行装置であって、
　前記乗車駅端末及び／又は前記降車駅端末を設置している交通機関の交通機関識別情報と前記交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報とを対応付けて記憶するとともに、
　前記乗車駅端末及び／又は前記降車駅端末を設置していない交通機関の交通機関識別情報と前記交通機関のクレジットカード加盟店としての情報を識別する加盟店識別情報とを対応付けて記憶する決済代行装置。
  The payment agent device according to claim 1 or 2,
storing, in association with each other, transportation facility identification information of the transportation facility in which the boarding station terminal and/or the disembarking station terminal is installed, and affiliated store identification information that identifies information of the transportation facility as a credit card affiliated store;
A payment agent that stores, in association with each other, transportation facility identification information for a transportation facility that does not have the boarding station terminal and/or the disembarking station terminal, and affiliated store identification information that identifies information about the transportation facility as a credit card affiliated store.
PCT/JP2023/030123 2023-08-22 2023-08-22 Settlement proxy device Pending WO2025041257A1 (en)

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JP2024128169A JP7555518B1 (en) 2023-08-22 2024-08-02 Payment processing device

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