JP2000250988A - Account settlement processing method and its implementation device, and medium where its processing program is recorded - Google Patents

Abstract

PROBLEM TO BE SOLVED: To efficiently perform an account settling process which is carried out by selecting a specific settling method out of settling methods by providing a means which sets the amount of money to be paid by the settling method selected according to payable information and a means which settles the set amount of paid money, etc. SOLUTION: A selling-store side decision process part 20 decides a settling method capable of settling the purchase amount of a purchase article among settling method acceptable by a store and sets it as settable information. A customer-side decision process part 21 decides a settling method capable of paying the purchase amount by a customer among settling methods in settable information and sets it as payable information. A settlement selecting process part 22 inputs the settling method selected by the customer from the payable information and the amount of money to be paid by the settling method and sets the payment amount of money by the selected settling method. A settling process part 23 settles the payment amount set by the selected settling method.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment processing system for performing a payment by selecting a specific payment method from a plurality of payment methods, and more particularly to a payment method capable of paying the purchase price of a purchased product. The present invention relates to a technology effective when applied to a payment processing system that supports selection of a payment method by discriminating and presenting from among a plurality of payment methods.

[0002]

2. Description of the Related Art Recently, network communication technology (for example, the Internet) has been developed, and various communication services have been enhanced between individuals, between companies, or between individuals and companies. Among the services, electronic commerce (EC: Electronic Commercial) that enables computers of retail stores and financial institutions to be connected to personal terminal devices to enable the sale of goods.
ce). In this e-commerce, individuals, retailers, and financial institutions are connected over a communications network, the retailer provides products, and customers purchase the products using payment methods supported by the retailers and financial institutions.

[0003] As a current online electronic commerce procedure, first, a customer accesses an Internet site of a store using software such as a web browser on a computer. When the customer finds the desired product, the customer sends a message indicating the product name, the total amount, and the like to the store server. Upon receiving the message, the store sends back information on the supported electronic payment method to the customer. The customer selects the displayed settlement method and pays the amount. Once a customer selects a payment method, a payment method specific process begins and continues until payment is completed / stopped.

At present, various settlement methods exist and each settlement method has a characteristic, and therefore, a store can support these settlement methods according to customer needs. For example, payment methods such as electronic money are generally used for small payments on the Internet. Electronic money using an IC card and its terminal can also be used as transaction settlement on the Internet. The card is often used outside of the Internet. In addition, there is a settlement method in which the conventional credit service can be used as it is on the Internet, and this settlement can be used for large-scale settlement in contrast to the above electronic money. As described above, by supporting a plurality of payments as a dealer, it is possible to respond to the needs of various customers, and it is possible to provide various customers with various payment services.

[0005]

In the above-mentioned conventional online electronic commerce, in many cases, unique restriction items (minimum amount and maximum amount) are preset in each settlement method, and are unified among settlement methods. Therefore, if a payment is outside of the limit range even though it supports multiple payments, the customer interrupts the payment and tries another payment method. The problem is that you have to find a payment method. In addition, there are cases where a store wants to set a restriction item for a specific settlement method.For example, if the customer is required to pay a credit settlement fee due to business customs, the electronic settlement will also apply the fee to the customer. You may want to set a restriction item that the side bears. Further, it may be necessary to set the minimum purchase amount in advance in consideration of the cost of an approval request such as identification. However, in the conventional online electronic commerce, there is a problem that a store cannot set a restriction item for adding the commission and a minimum purchase price. Also, when there is a need to purchase a product by selecting a plurality of payment methods when the upper limit is too low to be purchased with one payment method, and even if the purchase is within the payment limit, credit payment and electronic money are required. It is also conceivable to use multiple payment methods, but in the conventional online e-commerce, it is possible to use multiple payment methods for one order, or to divide the total price of purchased products into each payment method. There is a problem that you can not pay within the limit.

[0006] An object of the present invention is to solve the above-mentioned problem and to provide a technique capable of efficiently performing a payment process by selecting a specific payment method from a plurality of payment methods. It is another object of the present invention to provide a technique capable of performing a settlement process according to a restriction item newly added at a store. It is another object of the present invention to provide a technology capable of efficiently performing a payment process using a plurality of payment methods.

[0007]

SUMMARY OF THE INVENTION The present invention provides a payment processing system for selecting a specific payment method from among a plurality of payment methods and performing a payment. The method is presented to the customer from a plurality of settlement methods.

[0008] In the present invention, when the customer decides on a purchase product, first, a payment method capable of performing payment of the purchase price of the purchase product is determined from payment methods that can be accepted at a store, and the payment method is used as payment possible information. Set.

Next, from among the settlement methods in the settlement possible information, a settlement method by which the customer can pay the purchase amount is determined, set as payment information, and then set as the payment information. Display the payment method and accept the customer's selection of the payment method.

[0010] The customer instructs the settlement by selecting one or a plurality of settlement methods to be used for payment of the purchase price of the purchased commodity from the payable information. At this time, when a plurality of settlement methods are used, the payment amount to be paid by each settlement method is specified.

[0011] A payment method selected by the customer from the payable information and a payment amount to be paid by the payment method are input, and a payment amount according to the selected payment method is set. Settlement of the set payment amount is performed.

As described above, since the settlement method capable of paying the purchase price of the purchased merchandise is determined and presented to the customer, the customer can use any of the settlement methods such as actually trying the settlement method. It is not necessary to perform an operation of searching for a payment method, and the payment processing of selecting a specific payment method from a plurality of payment methods can be efficiently performed.

As described above, according to the settlement processing system of the present invention, the settlement method capable of paying the purchase price of the purchased product is determined and presented to the customer, so that the settlement method can be specified from among a plurality of settlement methods. In this case, it is possible to efficiently perform the settlement processing performed by selecting the settlement method.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A payment processing system according to an embodiment for performing a payment by selecting a specific payment method from a plurality of payment methods will be described below.

FIG. 1 is a diagram showing a schematic configuration of a settlement processing system according to this embodiment. As shown in FIG. 1, the store processing device 50 of the present embodiment has a store-side determination processing unit 20. The store-side determination processing unit 20 is a processing unit that determines a payment method capable of performing payment of the purchase price of a purchased product from among payment methods that can be accepted at the store, and sets the payment method as payment possible information.

A program for causing the store processing device 50 to function as the store-side determination processing unit 20 is a CD-ROM.
After being recorded on a recording medium such as a digital disk and stored on a magnetic disk or the like, it is loaded into a memory and executed. The medium on which the program is recorded may be a medium other than the CD-ROM.

The terminal device 60 includes a customer-side determination processing unit 21
, A payment selection processing unit 22, and a payment processing unit 23.

The customer-side determination processing unit 21 is a processing unit that determines a payment method by which a customer can pay the purchase amount from payment methods in the payment information and sets the payment method as payment information. is there. The payment selection processing unit 22 is a processing unit that inputs a payment method selected by the customer from the payable information and a payment amount to be paid by the payment method, and sets a payment amount according to the selected payment method. The payment processing unit 23 is a processing unit that performs payment of the set payment amount according to the selected payment method.

A program for causing the terminal device 60 to function as the customer-side determination processing unit 21, the payment selection processing unit 22, and the payment processing unit 23 is recorded on a recording medium such as a CD-ROM and stored on a magnetic disk or the like. , Loaded into memory and executed. The medium on which the program is recorded may be a medium other than the CD-ROM.

As shown in FIG. 1, in this embodiment, the financial institution settlement processing devices 10 to 12, the dealer processing device 50, and the terminal device 60 are connected to the network 4 through communication media 90 to 92.
0 is connected.

The financial institution settlement processing devices 10 to 12, the store processing device 50, and the terminal device 60 are constituted by an information processing device such as a personal computer including a processor, a memory, a communication interface, and the like.
A recording medium such as an IC card for storing the payment restriction information 81 is used. As the network 40, other communication lines or dedicated lines are used in addition to the Internet which is generally called.

The financial institution settlement processors 10 to 12 are installed in a financial institution such as a credit company or a bank, and
2, the settlement process is performed. The financial institution settlement processing devices 10 to 12 are used for processing unique to the settlement method after the settlement method is selected. As the communication medium 92, a dedicated line other than a general communication line is used.

The store processing unit 50 stores the store information table 52 and the settlement method selection information 53 in the memory 5.
1, an input device 54, a processor 56, and a communication interface 55. The processor 56 includes a terminal device 60
And receives the data such as the total price of the purchased merchandise sent from the company, and looks at the payment method selection information 53 to select a payment method that can be accepted at the store. Then, the limit value of the settlement method is read from the store information table 52, the total amount is compared with the upper limit amount and the lower limit amount of each settlement method, and it is checked whether or not the settlement method is a settlement method that can be settled, and the settlement method is set as settlement possible information. Set. Further, the processor 56 reads out additional information indicating a restriction item such as a commission of a settlement method that can be settled from the store information table 52, and adds the additional information to the settlement possible information.

The terminal device 60 has a memory for storing the balance and the lower limit of the settlement method available to the customer, the output device 63 and the input device 64, and the balance / payment restriction information 81 from the card 80.
It has a card reading / writing device 67 for reading out, a communication interface 65, and a processor 66. The processor 66 reads the data of the settlement method and the additional information sent from the store processing device 50 as the settlement possible information. Then, the settlement method that can be settled and the settlement method in the customer information table 62 are checked, and it is checked whether a settlement method that matches the settlement method that can be settled exists in the terminal device 60. If it exists, calculate the commission etc. according to the additional information attached and add it to the total amount, compare the amount with the balance and lower limit data of the relevant payment method, and determine whether the payment method can be used for payment. After checking, set as payable information. The customer selects a payment method from the payable information, specifies a payment amount, and instructs settlement.

The card 80 stores balance / payment restriction information 81 therein. The card 80 may include a payment processing unit including a usable payment amount and information for controlling the payment amount. Therefore, after selecting the settlement method and the payment amount, the settlement processing can be performed using the settlement processing unit included therein. The card 80 can also include a payment processing unit that processes a plurality of payment methods.

In the present embodiment, the store processing device 50 has a store information table 52 in which a store can be set and settlement method selection information 53.

FIG. 2 shows a store information table 5 according to this embodiment.
FIG. 2 is a diagram showing an example of the second example. As shown in FIG. 2, the store information table 52 stores information on each settlement method that can be accepted at the store, and the store sets the upper limit amount 100 in advance in consideration of the approval cost and fee at the time of settlement. The lower limit amount 101 and the additional information 102 can be set for each settlement method such as “settlement 1” and “settlement 2”.

FIG. 3 shows settlement method selection information 53 according to this embodiment.
FIG. As shown in FIG. 3, the settlement method selection information 53 stores a single settlement method 200 and a plurality of settlement methods 201 as settlement methods that can be accepted at the store, and sets these information according to the sales policy of the store. It is possible to

A single settlement method 200 represents a settlement method that can be accepted by a dealer when a customer performs settlement of a purchased product by a single settlement method.
Represents a payment method that can be accepted by the store when the customer setstles the purchased product by a plurality of payment methods.
Therefore, in this store, in addition to the single settlement by "settlement 1" and the single settlement by "settlement 2", the multiple settlements using "settlement 1" and "settlement 2" together or the "settlement 1" and "settlement 4" Can be used for multiple payments.

FIG. 4 is a diagram showing an example of a purchase item price message table according to the present embodiment. Dealer processing unit 50
When receiving a message indicating a purchased item as shown in FIG. 4 transmitted by the customer, the payment method is determined by determining a payment method capable of settling the total amount 403 based on the two information of the store information table 52 and the payment method selection information 53. It is transmitted to the terminal device 60 as possible information.

Upon receiving the settlement possible information transmitted from the store processing unit 50, the terminal device 60 reads the customer information table 62, and the customer pays the total amount 403 from among the settlement methods in the settlement possible information. A settlement method that can be performed is determined and set as payable information.

FIG. 5 shows a customer information table 62 according to the present embodiment.
It is a figure showing an example of. As shown in FIG. 5, a balance 300 and a lower limit 301 of each settlement method that the customer can use for settlement are entered in the customer information table 62. In the present embodiment, it is assumed that such information has already been set by the financial institution and is stored in the memory 61 of the terminal device 60. However, the balance / payment restriction information 81 of the card 80 is read using the card reading / writing device 67. It is good.

Here, the terminal device 60 is the store processing device 50
Payment method sent from the customer information table 6
It is checked whether the payment method matches the payment method in the second method. If they match, the additional processing of the additional information 102 of each payment method is performed, and the balance 300 and the lower limit 301 of the payment method are compared with the total amount 403. If the total amount 403 is within the limit, the payment method is processed as a payment method. When the customer pays the total amount 403 in a distributed manner using a plurality of payment methods, one payment method among the plurality of payment methods is used so that each payment process is performed within the respective limit range. When the customer selects, a selection range is calculated for the selected payment method so that the amount of payment in the remaining payment methods other than the selected payment method is within the respective limit ranges. By doing so, it is possible to maintain a limit range that must be cleared at least by other remaining settlement methods. Further, an amount obtained by subtracting the payment amount in the selected settlement method from the total amount 403 is set as the amount to be settled in the remaining settlement method, and the above-described amount is set until the designation of the payment amount in the last settlement method is completed. The same processing is repeated.

When the settlement method and the payment amount are determined, the terminal device 60 shifts to processing specific to the settlement method in order to pay the purchase amount. If an error occurs during the processing unique to the payment method and the processing selects single payment, processing for canceling the payment method currently being processed is performed. In the case of a plurality of settlements, a settlement cancellation process is performed for the settlement method currently being processed and the settlement method that has been processed before.

FIG. 6 shows a store-side determination processing unit 2 according to this embodiment.
9 is a flowchart illustrating a processing procedure of No. 0. Figure 6 below
The process up to the point at which the store determines the payment method that can be used for payment will be described. When the ID 400, the item 401, the item price, and the total price 403 of the purchase are transmitted to the store processing device 50 as information on the product purchased by the customer, the store processing device 50 The settlement information is checked to determine whether a single settlement is acceptable (step 10020). If single payment is acceptable, the data of the single payment is read from the store information table 52 (step 10030). When the data is read, the upper limit amount 100 and the lower limit amount 101 of the settlement method are compared with the total amount 403 to check whether or not the settlement amount is within a settable range (steps 10040 and 10060).

If it is within the range, it is determined that settlement of the total amount 403 can be performed by the settlement method, and it is checked whether or not the additional information 102 exists in the settlement method as a parameter affecting the total payment amount. (Step 1
[0070] If the additional information 102 exists, it is set as an influence variable (step 10080), and the payment method is set as a payment method that can be settled (step 100).
90).

Step 10040 or Step 100
If the total amount 403 is out of the range that can be settled by the settlement method in the process of 60, a process of setting a reason for being impossible is performed in step 10050. If there is still single payment data that can be accepted at the store, the process returns from step 10100 to step 10030 to read the next single payment data. If the single payment does not exist anymore, the payment method set as possible and the additional information 10 in the environment variable are set.
2 is stored as settlement possible information (step 1011)
0).

When the single settlement process is completed, the process proceeds to a plurality of settlement processes. First, it is checked with reference to the payment method selection information 53 whether a plurality of payments can be accepted (step 1020).
0). If a plurality of payments cannot be accepted, the entire process ends. If a plurality of payments can be accepted, the information of the plurality of payments is read, and the total value of each of the upper limit amount 100 and the lower limit amount 101 is calculated (step 10220).
The upper limit total amount and the lower limit total amount of the plurality of settlements are compared with the total amount 403 to check whether or not the total amount 403 is within a settable range (steps 10230 and 10240).

If the total amount 403 is within the settable range, it is checked whether or not the additional information 102, which is a parameter affecting the total amount 403, exists (step 1025).
0), if it exists, the influence variable is set (step 10260), and the plurality of settlement methods are set as settlement possible (step 10270). Step 10230
If the total amount 403 is out of the range that can be settled in step 10240, a process for setting the reason for being impossible is performed in step 10210. If there is still a plurality of payments that can be accepted at the store, the process proceeds from step 10280 to step 1
The process returns to the processing for reading the multiple payment data at 0220. If there is no other plurality of payments that can be accepted, the plurality of payment methods set as possible payments and the additional information 102 in the environment variable are stored as payment enablement information (step 10290), and the payment enabled stored in steps 10110 and 10290 is stored. The information is transmitted to the customer terminal device 60 via the communication interface 65, the communication medium 90, and the network 40.

FIG. 7 shows a customer-side determination processing unit 21 according to the present embodiment.
6 is a flowchart showing the processing procedure of FIG. Hereinafter, processing until the terminal device 60 determines a payment method that allows the customer to pay the total amount 403 will be described with reference to FIG.
When the terminal device 60 receives a payment method that can be settled as the settlement information and the additional information 102 from the store processing device 50, whether the single payment is included in the received payment method, and if the single payment is included It is checked whether or not a single settlement is included in the
0). If single payment is included in step 200910, the single payment data is read from the customer information table 62 (step 20080). If the data does not exist, the balance / payment restriction information 81 of the card 80 is read using the card reading / writing device 67 (step 20080).

Next, in step 20030, the total amount is 40
It is checked whether or not there is additional information 102 that influences No. 3 and, if so, in step 20040, a fee is added according to the additional information 102, and the total amount 403 is changed.
Then, it is determined whether or not the changed total amount 403 is within the limit range of the balance 300 and the lower limit 301 in the customer information table 62, and it is determined whether or not the settlement method can pay the total amount 403. Check (Step 2
0050, step 20060). Step 20050
If it is within the limit in step 20060, the payment method is set as payable information in step 20070. If it is out of the limit range, a reason for disabling is set in step 20080. If another single payment data exists, the process returns from step 20090 to the single payment data reading process of step 20080.

If another single payment data does not exist, it is checked whether or not a plurality of payments are included in the payment method received from the store processing device 50 (step 2010).
0). If no multiple payments are included, step 2017
The process proceeds to 0, and when a plurality of payments are included, a plurality of payment data is read (step 20110).

Step 20120 and Step 2013
At 0, it is checked whether or not the total price 403 of the purchased commodities is within the range of the lower limit total price and the total balance amount of the plurality of payments, and if it is within the range, the payment method is set as payable information (step 20140). If it is out of the range, a reason for disabling is set (step 20150). If there is another plurality of payment data, step 20160 to step 2
Returning to the reading processing of the multiple payment data of 0110, if there is no such data, the processing proceeds to step 20170. In step 20170, it is checked whether a payment method that can be paid by single payment or a plurality of payments is set as payable information, and if set, a payment method that can be paid is displayed on the output device 63 (step 20180). If a payment method that can be paid is not set, a message indicating that payment for merchandise purchase is impossible is displayed (step 20190).

FIG. 8 is a flowchart showing a processing procedure of the settlement selection processing section 22 of the present embodiment. The process after the payment method that can be paid is displayed will be described below with reference to FIG. In this embodiment, when the payment that can be paid is only a single payment method, only the single payment method is displayed, when only multiple payment methods are used, only the multiple payment methods are displayed, and when both are available, both are displayed. It shall be. In addition, since the reason for being unusable is stored, it may be displayed.

Here, when the customer selects single payment (step 30020), processing specific to this payment is immediately performed.
When the customer selects multiple payments (step 30010),
With reference to the number of payment methods, it is checked whether the payment method is the last payment method (step 30030). If the payment method is not the last payment method, the customer selects a payment method (step 300).
40).

The range of the amount that can be selected by the customer is affected by the balance 300 and the lower limit 301 of the selected settlement method and the balance 300 and the lower limit 301 of the remaining settlement methods. (Step 300)
50). This process will be described in detail with reference to FIG.

In step 30060, step 300
The amount selection range set at 50 is displayed to support the input of the amount of payment, and the input of the amount of payment to be paid by the settlement method selected at step 30040 is received from the customer. In step 30070, the settlement method includes additional information 10 which is a parameter affecting the total amount 403.
Check if there are two. If there is the additional information 102, in step 30080, a fee is calculated according to the additional information 102 and added to the payment amount already input by the customer.

When this process is completed, the customer is asked for confirmation (step 30090), and if the customer approves, the payment amount of the selected settlement method is set (step 301).
00). If the customer does not approve, the process returns to the step 30060 for selecting the customer's price. Total amount 4
03 is subtracted from the payment amount (step 3012)
0) Proceed to the next settlement method.

If the next settlement method is not the last settlement method, the above steps are repeated. For the last payment method,
The remaining amount is the value that must be paid in the final settlement (step 30130). It is checked whether there is additional information 102 of the settlement method (step 30).
140), if it exists, the payment amount is changed in step 30150.

FIG. 9 is a diagram showing an example of the final settlement type / money message table of the present embodiment. Step 30
At 160, a final settlement type / money message table as shown in FIG. 9 is created using the plurality of settlement methods and their payment amounts. Finally, a payment selection confirmation is displayed to the customer, and if the customer does not approve here, the process returns to the first payment selection screen of this processing and requests the customer to re-enter. If approved by the customer, the final settlement type / amount message table is sent to the store processing device 50.

FIG. 10 is a flowchart showing a processing procedure of the settlement processing unit 23 of the present embodiment. Here, the process after sending the final settlement type / amount message table to the store processing apparatus 50 will be described with reference to FIG.

The terminal device 60 sends the final settlement type / money message table to the store processing device 50 (step 3).
0180). Therefore, the store reads this table, checks the table ID, the total amount, and the settlement method, and checks whether the data matches the data previously sent from the store. If so, a confirmation message is sent from the dealer, otherwise, an error message is sent (step 3019).
0).

If an error message is received in step 30200, the terminal device 60 interrupts this settlement and starts each settlement if it receives a confirmation message. When the settlement process of these settlement methods is completed, the final settlement type /
“Done” is set in the settlement state 507 of the amount message table (step 30230).

If this process is continued to the last without error (step 30210), the settlement is completed. However, if there is an error in the settlement processing (step 30220), all settlement methods for which the settlement status 507 of the final settlement type / amount message table is set to “done” are read (step 30).
240), issue a payment cancellation message for all settlements in step 30250. When the payment canceling process ends in each settlement method, this process also ends.

FIG. 11 shows the settlement selection processing section 22 of the present embodiment.
It is a flowchart which shows the processing procedure of the money amount selection range process. Next, the setting of the highest selection value and the lowest selection value indicating the amount selection range that can be specified by the customer as the payment amount according to the currently selected settlement method will be described with reference to FIG. When a plurality of payments are selected for the total purchase amount, it is necessary to specify the amount selection range in consideration of not only the currently selected payment method but also the limit value (balance 300 and lower limit 301) of the payment method to be selected from the following. Become. For example, if the total purchase price is 1000 yen and the lower limit of the next payment method is 400 yen,
You have to set the money selection range to leave at least 400 yen for the next payment method.

First, in step 40010, it is checked whether or not the total purchase amount is larger than the balance 300 of the currently selected settlement method. If there are many, the balance 3 of the currently selected payment method is calculated from the total purchase amount in step 40020.
It is checked whether or not the amount obtained by subtracting 00 is larger than the lower limit total amount of the subsequent settlement method. Step 400 if more
At 40, it is checked whether or not the total purchase amount is equal to a value obtained by adding the balance 300 of the currently selected payment method and the total balance of the next payment method. If they are equal, the total purchase amount is equal to the total balance value of the multiple settlements.
At 60, the balance 300 of the selected payment method is set as the amount selection range of the currently selected payment method, instead of the range value.

In step 40020, if the amount obtained by subtracting the balance 300 of the currently selected payment method from the total purchase price is less than the lower limit total amount of the remaining payment methods, the highest selected value of the selected payment method. Is set to the amount obtained by subtracting the lower limit total of the following settlement methods from the total purchase price, and the minimum selection value is set to the value obtained by subtracting the total balance of the next settlement method from the total purchase price (step 40030). The reason why the highest selection value is set as described above is that the sum of the lower limit value of the following payment methods minus the total purchase amount is the balance 3 of the currently selected payment method.
This is because the balance 300 cannot be the highest selection value because it is lower than 00, and the setting of the lowest selection value requires a process of keeping the amount that can be paid by the remaining settlement methods. Is set to

If the total purchase price is not equal to the sum of the balance 300 of the selected payment method and the total balance of the next payment method in step 40040, the balance 300 of the selected payment method is selected at the highest. Value, and the value obtained by subtracting the total balance of the subsequent settlement method from the total purchase price is set as the minimum selection value (step 4005).
0). Regarding the highest selection value, even if all the balances 300 are used, the remaining purchase amount does not fall below the lower limit total value of the other settlement methods, and the lowest selection value is determined by the remaining other settlement methods. It is set as described above to keep the amount that can be paid.

If it is determined in step 40010 that the total purchase amount is equal to or less than the balance 300 of the selected settlement method,
Payment can be made at once even with the selected payment method, so if you pay multiple amounts with the currently selected payment method despite selecting multiple payments, this is a single payment . Therefore, this input is performed in step 3 of FIG.
If the processing is performed in step 0060, the processing is performed up to step 30100, and then steps 30110 to 300
Jump right after 20 to start the settlement process.

In step 40070, it is checked whether or not the amount obtained by subtracting the total balance of the subsequent payment methods from the total purchase amount is larger than the lower limit 301 of the currently selected payment method. If not, step 40090
Is the lower limit of the payment method currently selected for the total purchase amount.
It is checked whether it is equal to 01 and the sum of the lower limit sums of the settlement methods from the next. Step 40110 if equal
, The amount selection range of the currently selected settlement method is not the range value but the lower limit 3 of the selected settlement method.
Set 01. This is because the total purchase price is equal to the lower limit sum of the plurality of settlements, and in this case, the remaining money selection range in the other settlement methods is also the lower limit of the settlement method.

In step 40070, if the amount obtained by subtracting the total balance of the next payment method from the total purchase price is larger than the lower limit 301 of the currently selected payment method, in step 40080, the range value is selected as the amount selection range. Or the total amount of the next payment method as the highest selection value, or the total amount of the remaining payment methods as the lowest selection value. Set the amount deducted from the total purchase price. The highest selection value is set as described above so as to leave the total lower limit value of the next payment method, and the lowest selection value is set to leave the total balance amount of the next payment method.

If the total purchase price is not equal to the sum of the lower limit 301 of the selected payment method and the lower limit total value of the next payment method in step 40090, step 4
At 0100, the purchase amount is set as the amount selection range instead of the range value, or the amount obtained by subtracting the lower limit total of the settlement method from the purchase total amount is set as the highest selection value, and the minimum selection value is set. Is set as the lower limit 301 of the currently selected settlement method. The highest selection value is set as described above in order to leave the total lower limit value of the settlement method from the next.

As described above, according to the settlement processing system of the present embodiment, the settlement method capable of paying the purchase price of the purchased merchandise is determined and presented to the customer. It is possible to efficiently perform a payment process of selecting a specific payment method from. Further, according to the settlement processing system of the present embodiment, the restriction item set by the store is added to the condition at the time of determination to determine a payment method that can be paid, so that the restriction item newly added at the store is It is possible to perform the settlement processing in response. Further, according to the settlement processing system of the present embodiment, since the selection range of the amount of money that can be paid by each of the plurality of settlement methods is displayed and the input of the amount of payment is supported, the settlement using the plurality of settlement methods together is performed. Processing can be performed efficiently.

[0064]

According to the present invention, a payment method capable of paying the purchase price of a purchased product is determined and presented to the customer. Therefore, a specific payment method is selected from a plurality of payment methods. It is possible to efficiently perform the settlement processing to be performed.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a schematic configuration of a settlement processing system according to an embodiment.

FIG. 2 is a diagram illustrating an example of a store information table 52 according to the embodiment.

FIG. 3 is a diagram showing an outline of settlement method selection information 53 of the embodiment.

FIG. 4 is a diagram illustrating an example of a purchase item price message table according to the embodiment;

FIG. 5 is a diagram illustrating an example of a customer information table 62 according to the present embodiment.

FIG. 6 is a flowchart illustrating a processing procedure of a store-side determination processing unit 20 of the embodiment.

FIG. 7 is a flowchart illustrating a processing procedure of a customer-side determination processing unit 21 of the embodiment.

FIG. 8 is a flowchart illustrating a processing procedure of a payment selection processing unit 22 of the embodiment.

FIG. 9 is a diagram illustrating an example of a final settlement type / money message table according to the embodiment;

FIG. 10 is a flowchart showing a processing procedure of a settlement processing unit 23 of the embodiment.

FIG. 11 is a flowchart illustrating a processing procedure of a money amount selection range process of a payment selection processing unit 22 according to the present embodiment.

[Explanation of symbols]

10-12: financial institution settlement processing device, 40: network, 50: dealer processing device, 51: memory, 52: dealer information table, 53: settlement method selection information, 54: input device, 55: communication interface, 56 ... the processor,
60 terminal device, 61 memory, 62 customer information table, 63 output device, 64 input device, 65 communication interface, 66 processor, 67 card reading / writing device, 80 card, 81 balance / payment limit Information, 90
-92: communication medium, 20: dealer-side determination processing unit, 21 ...
Customer-side determination processing unit, 22: settlement selection processing unit, 23: settlement processing unit, 100: upper limit amount, 101: lower limit amount, 102
... additional information, 200 ... single settlement method, 201 ... multiple settlement methods, 400 ... ID, 401 ... goods item, 402 ... goods amount, 403 ... total amount, 300 ... balance, 301 ... lower limit,
500 ... ID, 501 ... Product, 502 ... Price, 503 ...
Total amount, 504: settlement, 505: additional information, 506 ...
Settlement amount, 507 ... settlement state.

 ──────────────────────────────────────────────────の Continuing on the front page (72) Inventor Tomoya Toyama 890 Kashimada, Saiwai-ku, Kawasaki-shi, Kanagawa Prefecture Inside the Hitachi, Ltd.System Development Division (72) Inventor Yoshiaki Kawaren 890 Kashimada, Sai-ku, Kawasaki-shi, Kanagawa Prefecture Hitachi, Ltd. Within the System Development Division of the Manufacturing Works (72) Inventor Hikaru Morita 890 Kashimada, Saiwai-ku, Kawasaki-shi, Kanagawa Prefecture Inside the System Development Division of Hitachi, Ltd. (72) Takeshi Akutsu 890 Kashimada, Sachi-ku, Kawasaki-shi, Kanagawa System, Ltd. F term in the Development Division (reference) 3E040 AA03 EA10 FJ05 3E044 DC06 EA20 5B049 AA02 BB11 BB46 CC10 CC36 CC39 DD01 DD04 EE25 EE26 FF03 GG04 GG07 5B055 CB09 EE02 EE27 KK05 KK18

Claims (5)

[Claims] Claims: 1. A payment processing method for performing a payment by selecting a specific payment method from a plurality of payment methods, wherein the payment of a purchase price of a purchased product is performed from payment methods that can be accepted at a store. Determining a possible payment method and setting the payment information as payment information; and determining a payment method by which a customer can pay the purchase amount from the payment methods in the payment information and payable information. Setting the payment amount to be paid by the payment method selected from the payable information, and performing the payment of the set payment amount by the selected payment method. A settlement processing method characterized by the above-mentioned. 2. The method according to claim 1, wherein the restriction item set by the store is added to a condition for the determination.
Payment processing method described in. 3. When a plurality of payment methods are selected, a selection range of amounts payable by each payment method is displayed to support input of the payment amount. A settlement processing method according to claim 1 or claim 2. 4. A payment processing system for performing a payment by selecting a specific payment method from a plurality of payment methods, wherein payment of a purchase price of a purchased product is performed from payment methods that can be accepted at a store. A store-side determination processing unit that determines possible payment methods and sets the payment information as payment information; and determines a payment method that allows a customer to pay the purchase amount from payment methods in the payment information. A customer-side determination processing unit that sets the payment amount as payable information, a payment selection processing unit that sets a payment amount to be paid by a payment method selected from the payable information, and the setting according to the selected payment method. A payment processing unit for performing payment of the paid amount. 5. A medium in which a program for causing a computer to function as a payment processing system for selecting a specific payment method from among a plurality of payment methods and performing payment is provided. And a store-side determination processing unit that determines a payment method capable of performing payment of the purchase price of the purchased product from the store and sets the payment value as payment information. A customer-side determination processing unit that determines a payment method capable of making payment and sets it as payable information, and a payment selection process that sets a payment amount to be paid by a payment method selected from the payable information And a program for causing a computer to function as a payment processing unit for performing payment of the set payment amount by the selected payment method. Medium characterized.