JP2013080269A - Settlement support system and settlement support method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement support system and a settlement support method which perform a transaction with a card settlement charge according to a business type of a vendor when a credit card is used in collect-on-delivery settlement that collects a payment for an article at delivery, and also enable a credit card issuing company to precisely manage propriety of the vendor.SOLUTION: A control unit 21 of a delivery management server 20 which has received a delivery request, registers a collect-on-delivery request and a tracking number. At delivery of an article, a portable terminal 30 acquires a collect-on-delivery settlement amount by identifying a package, executes card reading processing of a credit card, and then gives a settlement instruction after authorization processing. In this case, the control unit 21 of the delivery management server 20 identifies a vendor on the basis of transaction information, and transmits a settlement request including a business type code to a credit management system 40. Then, the control unit 21 executes payment processing by using a card settlement charge according to the business type of the vendor.

Description

  The present invention relates to a payment support system, a payment support method, and a payment support program for supporting payment by a credit card in cash on delivery payment for collecting a product price at the time of delivery.

  As the use of the Internet expands, mail order is often used to purchase products. Here, in payment for merchandise, in addition to cash remittance, account transfer, and credit card use, cash on delivery settlement in which merchandise is delivered in exchange for price at the time of delivery is also used (see, for example, Patent Document 1). ). In the technique described in this document, when a payment settlement request is received from a service provider that has received a service provision request from a user, a settlement authentication code is issued to perform a cash on delivery delivery request. When the payment authentication code is sent to the cash on delivery settlement proxy server as a result of the price collection by cash on delivery, the service provider is notified of the completion of payment.

  In addition, when using credit settlement, a card settlement fee is required. This card settlement fee is determined by a credit card company that issues credit cards and manages members. Specifically, the credit card company comprehensively determines the business type / business condition of the member store, the handling results of the credit card, etc., and sets the charging rate according to the member store and the type of business.

  Therefore, a technique for giving a degree of freedom to a charging rate is also being studied, and a technique for determining a card payment fee based on a fee charging rate set for each product in credit card payment (for example, patent document). 2). In the technique described in this document, a credit fee charge rate is set in advance for each product. Then, at the time of credit settlement, a credit fee is calculated for each product from the amount of each registered product and the credit fee charge rate of the product.

  In addition, a technique for setting a credit fee per sales floor for one member store has been studied (for example, see Patent Document 3). In the technique described in this document, each credit settlement terminal is classified into a plurality of groups and managed. Then, a table is provided in which the ratio of the fee for credit is set for each set of credit settlement terminals. The credit billing data creation processing unit totals the credit usage amounts of the transaction details data collected from the credit payment terminals belonging to the same group, and the amount obtained by subtracting the fee of the ratio corresponding to each group from the total amount as the billing amount , Create a billing data file for the price paid by credit card for each group. The credit billing data transmission processing unit transmits this billing data file online to the credit company host computer.

Japanese Patent Laying-Open No. 2006-107138 (first page, FIG. 1) JP 2002-133530 A (first page, FIG. 1) Japanese Patent Laid-Open No. 2002-269465 (first page, FIG. 1)

As described above, with regard to credit card payments at member stores, various attempts have been considered for card payment fees.
On the other hand, in the case of cash on delivery settlement, the product price is collected at delivery. Here, when using credit card settlement, the member store that conducts the transaction is a delivery company. In this case, a card settlement fee corresponding to the business type of the delivery company is borne. This fee may differ from the card payment fee depending on the type of business of the merchandise seller.

  Also, in mail order sales, etc., there are cases where fraudulent transactions using a credit card settlement by a seller are carried out. In order to prevent such illegal transactions, it is necessary for a credit card issuing company to strictly manage the sellers who are ultimately paid. However, in the case of cash on delivery, the payee of the credit card issuing company becomes a delivery company that is a comprehensive member store, so that there is a problem that it is difficult to manage the seller accurately.

  The present invention has been made in order to solve the above-mentioned problems, and its purpose is to charge a fee according to the type of business of the seller even in the case of using a credit card in the cash on delivery settlement for collecting the product price at the time of delivery. The card issuing company also provides a payment support system and a payment support method for accurately managing the appropriateness of the seller.

  In order to solve the above-mentioned problems, the invention described in claim 1 includes a card information acquisition unit that reads card information recorded on a credit card, and a seller information storage unit that stores an industry code in association with each seller. A payment support system comprising a seller and a purchaser, a cash on delivery information storage means for recording a cash on delivery request including information on the cash on delivery amount, and a control means for sending a payment request to the credit management system, The payment support system records the cash on delivery request of the product acquired from the seller server in the cash on delivery information storage means, and the credit information of the purchaser in the card information acquisition means of the delivery person at the time of delivery of the product Means for reading the card information of the card, means for identifying the seller of the product, and extracting the industry code for the seller from the seller information storage means; The payment request for the cash amount includes a means for sending the specified industry code to the credit management system, and means for paying the seller based on the cash amount Is the gist.

  According to a second aspect of the present invention, in the settlement support system according to the first aspect, the seller information storage means includes a business type code for identifying a business type of each seller confirmed by the delivery company. The gist is to record.

  According to a third aspect of the present invention, in the payment support system according to the first or second aspect, the payment support system includes a delivery management server provided with the cash on delivery information storage means and the card information acquisition means. The gist of the invention is that the seller information storage means is provided in the delivery management server.

  According to a fourth aspect of the present invention, in the payment support system according to the first or second aspect, the payment support system includes a delivery management server including the cash on delivery information storage unit, and the card information acquisition unit. The gist of the invention is that the portable information terminal is provided with the seller information storage means.

  The invention described in claim 5 includes card information acquisition means for reading card information recorded on a credit card, seller information storage means for storing an industry code associated with each seller, sellers and purchasers, A method for supporting settlement using a cash on delivery information storage means for recording a cash on delivery request including information relating to a discount amount, and a payment support system comprising a control means for transmitting a payment request to a credit management system, The payment support system records the cash on delivery request of the product acquired from the seller server in the cash on delivery information storage means, and at the time of delivery of the product, in the card information acquisition means of the delivery person, the purchaser's credit Reading card information of a card, identifying a seller of the product, and extracting an industry code for the seller from the seller information storage means; Executing the step of sending the payment request for the cash amount including the specified industry code to the credit management system and the step of paying the seller based on the cash amount. Is the gist.

(Function)
According to invention of Claim 1 or 5, the cash-on-delivery request | requirement acquired from the seller server is recorded on the said cash-on-delivery information storage means. At the time of delivery of the product, the card information acquisition means of the delivery person reads the card information of the purchaser's credit card. And specifying the seller of the product, extracting the industry code for the seller from the seller information storage means, including the specified industry code in the settlement request for the cash on delivery amount, To the credit management system. Then, a payment is made for the seller based on the cash on delivery amount. As a result, a credit card can be used with an appropriate card settlement fee even in cash on delivery settlement. In the credit management system, a credit settlement fee corresponding to the business type can be charged based on the business type code.

  According to the second aspect of the present invention, the business type code for identifying the business type of each seller confirmed by the delivery company is recorded in the seller information storage means. Accordingly, it is possible to manage an accurate business type according to the business form of the seller confirmed by the delivery company that collects the cargo.

  According to the invention described in claim 3, the settlement support system is configured by a delivery management server provided with the cash on delivery information storage means and a portable terminal provided with the card information acquisition means, and the seller information storage Means are provided in the delivery management server. This makes it possible to specify the type of business while using a conventional mobile terminal.

  According to the invention described in claim 4, the settlement support system is configured by a delivery management server provided with the cash on delivery information storage means and a portable terminal provided with the card information acquisition means, and the seller information storage Means are provided in the portable terminal. Thereby, it is possible to specify the type of business in the portable terminal of the person in charge of delivery.

  According to the present invention, even in the case of using a credit card in cash on delivery settlement for collecting the price of goods at the time of delivery, transactions are made at a fee according to the type of business of the seller. It is possible to provide a settlement support system and a settlement support method capable of accurately managing appropriateness.

The system schematic of embodiment of this invention. It is explanatory drawing of the information storage part of embodiment of this invention, Comprising: (a) is a seller information storage part, (b) is a fee information storage part, (c) is a delivery request information storage part, (d) is a price. Explanatory drawing of the data recorded on the exchange information storage part. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of other embodiment.

  Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. This embodiment will be described as a settlement support system for supporting settlement of merchandise sales performed using the Internet. Specifically, a case is assumed in which a cash on delivery (cash on delivery) service for collecting the price of goods at the time of delivery of goods is provided.

  In this cash on delivery service, payment is made using a credit card. This credit card is managed by a credit card company (Issuer, Acquirer). Here, the acquirer performs operations such as acquisition and management of credit card member stores. On the other hand, the issuer issues a credit card and carries out a business related to the member. The card settlement fee is determined based on a contract with the issuer and acquirer.

In this embodiment, as shown in FIG. 1, a seller server 10, a delivery management server 20, a portable terminal 30, and a credit management system 40 are used to provide a cash on delivery service.
The seller server 10 is a computer system managed by a seller who sells products. The merchant server 10 conducts a transaction for merchandise sales with the purchaser via the Internet. In this case, the seller requests the delivery company to deliver the ordered product to the address designated by the purchaser.

  The delivery management server 20 is a computer system that is managed by a delivery company that delivers a transaction target product to a purchaser. Furthermore, when a cash on delivery service is used in the settlement of merchandise sales, the delivery management server 20 supports this cash on delivery settlement.

The delivery management server 20 includes a control unit 21, a seller information storage unit 22, a fee information storage unit 23, a delivery request information storage unit 24, and a price exchange information storage unit 25.
Based on the request from the seller server 10, the control unit 21 performs management processing for product delivery and price collection. The control unit 21 includes a CPU, a RAM, a ROM, and the like as control means, and performs processes (each process such as a delivery request reception stage, a delivery management stage, a settlement support stage, and a seller management stage) described later. By executing the delivery management program for this purpose, the control unit 21 functions as a delivery request receiving means 211, a delivery management means 212, a settlement support means 213, a seller management means 214, etc., as shown in FIG.

The delivery request accepting unit 211 executes a process of accepting a product shipping instruction from the seller server 10.
In response to a request from the seller server 10, the delivery management unit 212 executes a management process for the delivery status of the product.
The settlement support means 213 executes a support process for cash on delivery settlement that collects the product price at the time of delivery of the product.
The seller management means 214 executes processing for paying the seller and managing various fees (cash on delivery fee, card settlement fee, etc.) for each seller.

  The seller information storage unit 22 functions as a seller information storage means. As shown in FIG. 2A, the seller information storage unit 22 stores a seller management record 220 relating to a seller (shipper) who requests delivery of a product. This seller management record 220 is recorded when a seller is newly registered. This seller management record 220 includes data relating to a seller code, a business type code, and a seller account.

  In the seller code data area, data relating to an identifier for specifying a seller who uses this service is recorded. By using this seller code, information on the seller name and location can be acquired from a customer information storage unit (not shown).

  In the business type code data area, data relating to an identifier for specifying the business type of the seller is recorded. This business type code is registered when a delivery company starts a transaction with a seller who uses this service. Specifically, when a transaction start input with the seller is performed in the delivery management server 20, the control unit 21 of the delivery management server 20 uses the customer information (specified by the seller code) in the customer information storage unit. Acquire the seller's name and location. Then, a publicly-known company information providing server that is made public via the Internet is accessed. Using this customer information, the control unit 21 acquires company information (company outline, financial information, etc.) about the seller from the company information providing server. And the control part 21 records the industry code of the industry specified based on this company information in the seller management record 220. Further, at the time of updating the use transaction of this service, the control unit 21 of the delivery management server 20 accesses the company information providing server again, acquires the company information, and collates with the industry code recorded in the seller management record 220. To do. If the business type has been changed, a new business type code is recorded in the seller management record 220. The person in charge of delivery may continuously check the business condition of the seller when the goods are collected.

  In the seller account data area, data relating to an identifier (for example, a financial institution code, a main branch code, an account type, and an account number) for specifying a seller's account for transferring the cash on delivery is recorded.

  In the fee information storage unit 23, as shown in FIG. 2 (b), a fee management record 230 relating to a card settlement fee of a credit card is stored. This fee management record 230 is recorded when the charge rate of the card settlement fee determined by the issuer or acquirer is registered. This fee management record 230 includes data relating to a business type code and a billing rate.

In the industry code data area, data relating to an identifier for identifying the industry of each seller is recorded.
In the billing rate data area, data relating to a billing rate for calculating a fee to be paid to an issuer or acquirer when a credit card is used by a seller in this industry is recorded.

  As shown in FIG. 2C, the delivery request information storage unit 24 stores a delivery request management record 240 relating to the delivery status of the delivery request received from the seller server 10. The delivery request management record 240 is generated and registered when a product delivery request is received from the seller server 10. The delivery request management record 240 includes data regarding a reception code, a tracking number, a seller code, a shipping source, a delivery destination, a delivery item, and whether cash on delivery is required. Further, the delivery request management record 240 records the delivery status, update time, and base code.

Data relating to an identifier for specifying each delivery request is recorded in the reception code data area.
In the tracking number data area, data relating to the tracking number printed on the delivery label of this product is recorded.

In the seller code data area, data relating to an identifier for specifying the seller who has made the delivery request is recorded.
In the shipping source data area, data for specifying the shipping location (collection location) of this delivery request is recorded. Specifically, data relating to the name of the seller, the address of the shipping place, the telephone number, and the like are recorded.

In the delivery destination data area, data for specifying the delivery destination (purchaser) of this delivery request is recorded. Specifically, data related to the purchaser's name, address, telephone number, and the like are recorded.
In the delivery item data area, data relating to the contents of the delivery item in the delivery request is recorded.

  In the cash on delivery necessity data area, data relating to a flag for determining whether or not to collect the price at the time of delivery is recorded. When the price collection is necessary, the cash on delivery flag is recorded in this data area.

  In the delivery status data area, a flag relating to an identifier for specifying the delivery status for this delivery request is recorded. In this data area, flags indicating “waiting for collection”, “collected”, “delivering”, “delivered”, and the like are recorded.

In the update time data area, data related to the date and time when the delivery status is registered is recorded.
In the base code data area, data relating to an identifier for specifying the delivery base where the delivery status is registered is recorded.

  The COD information storage unit 25 functions as a COD information storage unit. In this cash on delivery information storage unit, as shown in FIG. 2 (d), a cash on delivery management record 250 relating to settlement using the cash on delivery service is stored. The cash on delivery management record 250 is generated and registered when a delivery request using the cash on delivery service is received. This cash-on-delivery management record 250 includes data relating to a reception code, a tracking number, a seller code, a cash-on-delivery amount, a fee, a terminal code, an authorization response, a settlement status, and a settlement status.

Data relating to an identifier for specifying each delivery request is recorded in the reception code data area.
In the tracking number data area, data relating to the tracking number printed on the delivery label of this product is recorded.

In the seller code data area, data relating to an identifier for specifying the seller who has made the delivery request is recorded.
In the cash amount data area, data relating to the price amount collected at the time of delivery is recorded.
In the fee data area, data relating to a card settlement fee necessary for credit settlement is recorded.

In the terminal code data area, data relating to an identifier for specifying the portable terminal 30 of the person in charge of delivery is recorded.
In the authorization response data area, data relating to the content of the authorization response acquired from the credit management system 40 is recorded. In the present embodiment, a card unavailable flag is recorded for an authorization reply that cannot be credited, and an approval number is recorded for an authorized reply that can be credited.

  In the payment status data area, a flag relating to an identifier for specifying the payment status of the cash on delivery service is recorded. In this data area, a flag indicating “unsettled”, “cash paid”, “card paid”, or the like is recorded.

  In the settlement status data area, a flag relating to an identifier for specifying the settlement status of the price to the seller is recorded. When the payment is completed, a flag indicating “settled” is recorded in this data area.

  The portable terminal 30 is a computer terminal carried by a person in charge of delivery, and is used at the time of inputting a delivery status or cash on delivery. The mobile terminal 30 includes a display, a key operation unit, a code reader, a card reader, and a terminal control unit 31. The display is used for displaying various types of information, and the key operation unit is used for inputting various types of information. The code reader is used to read a code image printed on a delivery label. The card reader functions as card information acquisition means and is used to acquire card information from a credit card.

  The terminal control unit 31 performs information processing for merchandise delivery management and settlement support by communicating with the delivery management server 20. The terminal control unit 31 includes a CPU, a RAM, a ROM, and the like as control means, and performs processes described later (each process such as a code reading stage, a delivery management stage, and a settlement support stage). By executing the delivery management program for this purpose, the terminal control unit 31 functions as a code reading unit 311, a status registration unit 312, a cash on delivery execution unit 313, etc., as shown in FIG.

The code reading unit 311 executes processing for reading the tracking number printed on the delivery label.
The status registration unit 312 notifies the delivery management server 20 of the delivery status, and executes a process of acquiring information about the necessity of cash on delivery recorded in the delivery request management record 240.

  The cash on delivery execution means 313 executes processing for supporting cash on delivery settlement at the delivery destination. In the case of cash payment, the delivery management server 20 is notified of information regarding the received cash. On the other hand, in the case of credit card payment, authorization processing (authorization) and settlement instruction processing are performed.

As shown in FIG. 1, the delivery management server 20 is connected to a credit management system 40 (acquirer server 41, issuer server 42) via a network.
The acquirer server 41 is a computer system managed by an acquirer of a credit card payment service. The acquirer server 41 is a system for performing an acquirer operation, and is connected to the issuer server 42 via a financial network. Specifically, the acquirer server 41 transmits an authorization request including card information and the total payment amount to the issuer server 42, and acquires an answer corresponding to the request from the issuer server 42.

  The issuer server 42 is a computer system managed by the issuer of the credit card payment service. The issuer server 42 executes credit processing and sales confirmation processing for the credit card. For this purpose, the issuer server 42 includes a user management data storage unit storing credit card user information and an authorization management data storage unit. The user management data storage unit stores a user management record including a credit card number, a card expiration date, a password, user information, a withdrawal account identifier, a usable amount, a usable balance, and a closing date. The authorization management data storage unit stores an authorization management record including a credit card number, payment amount, authorization processing date, approval number, and settlement date.

  When the issuer server 42 receives the authorization request from the acquirer server 41, the issuer server 42 identifies the user from the card information included therein, and acquires the available balance of the user. Then, it is determined whether or not the payment amount included in the authorization request is equal to or less than the available balance. If the payment amount is less than or equal to the available balance, the issuer server 42 updates the balance by subtracting the payment amount from the available balance and assigns an approval number for approving the transaction. Then, an authorization management record in which an approval number is set is recorded, and an authorization response “credit available” including the approval number is returned to the acquirer server 41. Further, the issuer server 42 transmits an authorization response “credit not possible” to the acquirer server 41 when the payment amount exceeds the available balance.

  Further, when the issuer server 42 receives the settlement request including the approval number, the issuer server 42 performs processing for deducting the payment amount of the authorization management record from the account specified by the withdrawal account identifier of the user management record on the next closing date. Run.

Next, with reference to FIG. 3, a settlement process for a merchandise transaction performed between the purchaser and the seller using the delivery management server 20 described above will be described.
First, a purchaser accesses the seller server 10 using a purchaser terminal, selects a desired product, and transmits a product purchase request. This product purchase request includes the name, quantity and total payment of the product that the purchaser wishes to purchase, purchaser information (such as the purchaser's name, address and telephone number), and product delivery address information (delivery address and name) And phone number).

  In this case, the seller server 10 executes a cash on delivery delivery request process (step S1-1). Specifically, the seller server 10 receives a product purchase request from the purchaser terminal. Then, the seller server 10 transmits a delivery request to the delivery management server 20. This delivery request includes seller information, delivery destination information, and delivery product information. The seller information includes the seller's seller code and shipping source information (shipping source name, address, telephone number, etc.). The delivery destination information includes information related to the purchaser's name and address. The delivery product information includes information on the contents (name and quantity) of the product to be traded. Further, when cash on delivery is used in the product price settlement, settlement method information is included in the delivery request. This settlement method information includes information related to the cash on delivery amount based on the total payment amount. In the present embodiment, it is assumed that cash on delivery is selected as the settlement method.

  Upon receiving the delivery request, the control unit 21 of the delivery management server 20 executes a cash delivery request registration process (step S1-2). Specifically, the delivery request accepting unit 211 of the control unit 21 gives a receipt code to the received delivery request. Then, the delivery request reception unit 211 generates a delivery request management record 240 that records the reception code and each piece of information included in the delivery request, and registers the delivery request management record 240 in the delivery request information storage unit 24. At this stage, a “pickup waiting” flag is recorded as the status.

  Furthermore, when cash on delivery is selected as the settlement method, the delivery request receiving means 211 records a cash on delivery flag in the cash on delivery necessity data area of the delivery request management record 240. Then, the delivery request accepting unit 211 generates a cash on delivery management record 250 to which the acceptance code is assigned and records it in the price exchange information storage unit 25. In this cash on delivery management record 250, a seller code and a cash on delivery amount are recorded.

  Next, the control unit 21 of the delivery management server 20 executes tracking number registration processing (step S1-3). Specifically, the tracking number printed on the delivery label affixed to the packaging material of the product to be delivered by cash delivery is read and input to the seller server 10. In this case, the delivery request accepting unit 211 of the control unit 21 acquires the tracking number of the delivery delivery from the seller server 10 and records it in the delivery request management record 240. Further, when a cash on delivery flag is recorded in the delivery request management record 240, the delivery request receiving means 211 records a tracking number in the cash on delivery management record 250.

  The goods collected by the delivery company are transported based on the delivery destination information. In this case, the control unit 21 of the delivery management server 20 sequentially acquires delivery status information from each delivery base. Then, the delivery management unit 212 of the control unit 21 records data on the delivery status (“collected” or “during delivery”), the update time, and the base code in the delivery request management record 240.

And it is handed over to the person in charge who delivers in a delivery area. The person in charge of delivery brings the product to the delivery destination.
In this case, the terminal control unit 31 of the portable terminal 30 executes a package identification process (step S1-4). Specifically, the code reading unit 311 of the terminal control unit 31 reads and decodes the code image of the delivery label attached to the product by the code reader to obtain the tracking number.

  Next, the terminal control part 31 of the portable terminal 30 performs the acquisition process of a cash-on-delivery amount (step S1-5). Specifically, the status registration unit 312 of the terminal control unit 31 accesses the delivery management server 20 and transmits a tracking number. In this case, the delivery management unit 212 of the control unit 21 calls the delivery request management record 240 in which the acquired tracking number is recorded from the delivery request information storage unit 24. Here, when a cash on delivery flag is recorded in the delivery request management record 240, the delivery management means 212 takes over the processing to the settlement support means 213. In this case, the settlement support means 213 calls the cash on delivery management record 250 in which the tracking number is recorded. Then, the settlement support unit 213 specifies the cash amount recorded in the cash management record 250 and notifies the status registration unit 312 of the cash amount.

  Next, the terminal control part 31 of the portable terminal 30 performs a payment process (step S1-6). Specifically, the cash on delivery execution means 313 of the terminal control unit 31 outputs a payment screen displaying the cash on delivery amount on the display. In the present embodiment, “cash payment” and “credit card payment” can be selected as the settlement method.

  Here, when “cash payment” is selected by the key operation unit, the person in charge of delivery receives cash, delivers the product, and inputs completion to the portable terminal 30. In this case, the cash on delivery execution means 313 transmits cash on delivery completion notice to the delivery management server 20. The delivery management means 212 of the control unit 21 of the delivery management server 20 that has received the cash-on-delivery completion notification records a “delivered” flag as the delivery status in the delivery request management record 240. Further, the settlement support means 213 of the control unit 21 records a “cash paid” flag as a settlement status in the cash on delivery management record 250.

On the other hand, when “credit card payment” is selected by the key operation unit, the cash on delivery execution means 313 of the terminal control unit 31 outputs a request screen for inputting credit card information.
Next, the terminal control part 31 of the portable terminal 30 performs a card reading process (step S1-7). Specifically, the person in charge of delivery reads the purchaser's credit card using the card reader of the portable terminal 30. In this case, the cash on delivery execution means 313 of the terminal control unit 31 acquires card information recorded on the credit card.

  Next, the terminal control unit 31 of the mobile terminal 30 executes an authorization request process (step S1-8). Specifically, the cash on delivery execution means 313 of the terminal control unit 31 transmits an authorization request to the delivery management server 20. This authorization request includes card information read from the credit card and information related to the cash on delivery amount.

  Next, the control part 21 of the delivery management server 20 performs an authorization transfer process (step S1-9). Specifically, the payment support means 213 of the control unit 21 transfers the authorization request acquired from the mobile terminal 30 to the credit management system 40.

  The credit management system 40 that has received the authorization request executes an authorization process (step S1-10). Specifically, the acquirer server 41 transfers the authorization request to the issuer server 42. The issuer server 42 determines whether or not credit is possible based on the card information included in the authorization request. Specifically, the issuer server 42 identifies an available balance corresponding to the received card information, and determines whether or not the total payment amount (cash on delivery amount) included in the authorization request does not exceed the available balance. Here, if the total payment amount does not exceed the available balance, the issuer server 42 assigns an approval number and records an authorization management record including the approval number. Then, the issuer server 42 transmits an authoritative authorization reply including the approval number to the acquirer server 41. Further, when the total payment amount exceeds the available balance, the issuer server 42 transmits an authorization reply that is not creditable to the acquirer server 41. Then, the acquirer server 41 transmits an authorization reply to the delivery management server 20. The authorization result includes a determination result about whether or not credit is allowed.

  The control unit 21 of the delivery management server 20 that has received the authorization reply executes an authorization reply transfer process (step S1-11). Specifically, the settlement support means 213 of the control unit 21 records the contents of the authorization response acquired from the credit management system 40 in the cash on delivery management record 250. Here, a card unavailable flag is recorded for an authorization reply that cannot be credited, and an approval number is recorded for an authorized reply that can be credited. Then, the settlement support means 213 transfers the authorization reply to the mobile terminal 30.

  Next, the terminal control part 31 of the portable terminal 30 performs a result output process (step S1-12). Specifically, the cash on delivery execution means 313 of the terminal control unit 31 outputs an authorization reply on the display. The person in charge of delivery confirms the content of the authorization reply and determines whether or not the product can be delivered. When an authorization response indicating that credit is not possible is received, the key operation unit returns to the settlement screen and selects “cash payment” as described above.

On the other hand, when an authoritative authorization response is received and payment is made, a settlement instruction is input by the key operation unit of the mobile terminal 30.
In this case, the terminal control unit 31 of the mobile terminal 30 executes a settlement instruction process (step S1-13). Specifically, the cash on delivery execution unit 313 of the terminal control unit 31 transmits a settlement instruction to the delivery management server 20. This settlement instruction includes an authorization response approval number.

  The control unit 21 of the delivery management server 20 that has received the settlement instruction executes a seller specifying process based on the transaction information (step S1-14). Specifically, the delivery management unit 212 of the control unit 21 records a “delivered” flag as the delivery status in the delivery request management record 240. Further, the settlement support means 213 of the control unit 21 extracts the cash on delivery management record 250 in which the approval number acquired from the portable terminal 30 is recorded from the COD information storage unit 25. Then, the settlement support unit 213 acquires the seller code recorded in the cash on delivery management record 250.

  Next, the control part 21 of the delivery management server 20 performs the specific process of a seller's type of business (step S1-15). Specifically, the settlement support means 213 of the control unit 21 extracts the seller management record 220 in which the acquired seller code is recorded from the seller information storage unit 22. Then, the payment support means 213 acquires the business type code recorded in the seller management record 220.

  Next, the control part 21 of the delivery management server 20 performs a payment request process (step S1-16). Specifically, the settlement support means 213 of the control unit 21 transmits a settlement request to the credit management system 40 (acquirer server 41). This settlement request includes the seller code, card information, settlement amount (cash on delivery amount), and the business type code acquired from the seller information storage unit 22.

  Next, the credit management system 40 executes a settlement response process (step S1-17). Specifically, the acquirer server 41 transfers the settlement request to the issuer server 42 and performs settlement settlement processing for the cash on delivery amount. Then, the issuer server 42 transmits the settlement result to the delivery management server 20 via the acquirer server 41.

  The control unit 21 of the delivery management server 20 that has received the settlement result executes settlement registration processing (step S1-18). Specifically, the payment support means 213 of the control unit 21 records a “card paid” flag in the payment status data area of the cash on delivery management record 250. Further, the payment support means 213 acquires a billing rate corresponding to the business type code from the fee information storage unit 23, calculates a card payment fee according to the cash amount, and records it in the cash management record 250.

  And the control part 21 of the delivery management server 20 performs a payment adjustment process (step S1-19). Specifically, the seller management means 214 of the control unit 21 extracts from the COD information storage unit 25 the cash on delivery management record 250 in which the “payment completed” flag is not yet recorded in the settlement status. Next, the seller management unit 214 calculates a total amount obtained by collecting the cash-on-delivery amount of the cash-on-delivery management record 250 for each seller code.

  Next, the seller management means 214 subtracts the delivery company's cash-on-delivery fee from the total amount totaled for each seller code. Further, for the cash on delivery management record 250 in which the “card paid” flag is recorded as the settlement status, the seller management means 214 uses the settlement amount obtained by subtracting the card settlement fee recorded in the cash on delivery management record 250. calculate. Then, the seller management means 214 performs a process of transferring the calculated settlement amount to the seller account for the seller account recorded in the seller management record 220 of the seller. Further, the seller management means 214 records a “settlement completed” flag as a settlement status in the cash on delivery management record 250.

According to this embodiment, the following effects can be obtained.
(1) In the present embodiment, the seller management record 220 recorded in the seller information storage unit 22 includes data relating to a seller code, a business type code, and a seller account. The control unit 21 of the delivery management server 20 that has received the settlement request at the time of cash on delivery settlement executes the seller specifying process (step S1-14) and the seller business type specifying process (step S1-15) based on the transaction information. To do. And the control part 21 of the delivery management server 20 performs a payment request | requirement process (step S1-16). This settlement request includes the seller code, card information, settlement amount (cash on delivery amount), and the business type code acquired from the seller information storage unit 22. In cash-on-delivery services, merchants that do business with card issuers are delivery companies, so card settlement fees (billing rates) are generally set according to the industry of the delivery company. . On the other hand, in the present invention, an appropriate card settlement fee is determined according to the seller's business type code recorded in the seller information storage unit 22. Regarding the card settlement fee, the acquirer, which manages the merchant of the issuer who issues the card issuance, charges the amount specified by the seller's industry, which is defined by the so-called international brand. Next, a fee is charged to the settlement agency (delivery company) for which the acquirer is a comprehensive member store at a charge rate for the settlement agency determined by the acquirer. Then, the settlement agent company charges the seller at a charge rate for the seller determined by the settlement agent company. With the above configuration, this fee can be set to a fee commensurate with the seller's industry.

  (2) In this embodiment, the control part 21 of the delivery management server 20 performs a payment request process (step S1-16). This settlement request includes the seller code, card information, settlement amount (cash on delivery amount), and the business type code acquired from the seller information storage unit 22. In the credit card settlement in the cash on delivery service, since the seller is not visible from the issuer, there is a possibility that the fraudulent transaction may be performed. However, in the issuer, the seller can be identified and appropriate payment can be made. In particular, in the seller information storage unit 22, the business type code is set by a delivery company different from the seller. As a result, an accurate business type can be registered by a delivery company that has a direct relationship with the dealer and can confirm the business condition of the seller at the time of collection.

  (3) In the present embodiment, the delivery management server 20 includes a control unit 21, a seller information storage unit 22, a fee information storage unit 23, and a delivery request information storage unit 24. Thereby, the portable terminal 30 can perform the settlement process as usual without considering the business type of the seller.

Moreover, you may change the said embodiment as follows.
In the above embodiment, the delivery management server 20 identifies the seller's business type. You may make it perform this process with the portable terminal 30. FIG. In this case, the mobile terminal 30 is provided with a seller information storage unit. A specific process will be described with reference to FIG.

  Here, similarly to step S1-1, the seller server 10 executes a cash on delivery delivery request process (step S2-1). Then, similarly to steps S1-2 and S1-3, the control unit 21 of the delivery management server 20 performs a cash delivery request registration process (step S2-2) and a tracking number registration process (step S2-3). Run. Further, similarly to steps S1-4 to S1-8, the terminal control unit 31 of the portable terminal 30 executes a package identification process (step S2-4) to an authorization request process (step S2-8).

  In this case, similarly to steps S1-9 to S1-11, an authorization transfer process (step S2-9), an authorization process (step S2-10), and an authorization response transfer process (step S2-11) are executed. And the terminal control part 31 of the portable terminal 30 performs a result output process similarly to step S1-12 (step S2-12).

  Next, the terminal control part 31 of the portable terminal 30 performs a seller specific process based on transaction information (step S2-13). Specifically, the cash on delivery execution means 313 of the terminal control unit 31 acquires the seller code recorded in the delivery request management record 240 of the delivery request information storage unit 24 of the delivery management server 20.

  Next, the terminal control unit 31 of the mobile terminal 30 executes a seller's business type identification process (step S2-14). Specifically, the cash on delivery execution means 313 of the terminal control unit 31 uses the seller information storage unit in the mobile terminal 30 to acquire the seller's business type code.

  Next, the terminal control unit 31 of the portable terminal 30 executes the seller business code addition process (step S2-15). Specifically, the cash on delivery execution means 313 of the terminal control unit 31 includes the acquired seller code and industry code in the settlement request.

  Next, the terminal control part 31 of the portable terminal 30 performs a payment request process (step S2-16). Specifically, the cash on delivery execution unit 313 of the terminal control unit 31 transmits a settlement request to the delivery management server 20. This settlement instruction includes an authorization response approval number.

  The control unit 21 of the delivery management server 20 that has received the settlement request executes settlement request transfer processing (step S2-17). Specifically, the settlement support means 213 of the control unit 21 transmits the received settlement request to the credit management system 40 (acquirer server 41).

And the credit management system 40 performs a payment response process similarly to step S1-17 (step S2-18). Next, the control part 21 of the delivery management server 20 performs a payment registration process (step S2-19) and a payment settlement process (step S2-20) similarly to steps S1-18 and S1-19.
Thereby, in the mobile terminal 30, an industry code can be set and the credit management system 40 can be notified of the seller's industry.

  In the above embodiment, the delivery management server 20 is connected to the credit management system 40 (acquirer server 41, issuer server 42) via a network. Instead of this, the delivery management server 20 may also serve as the acquirer server 41. In this case, the delivery company is the acquirer. Then, the delivery management server 20 transmits an authorization request and a settlement request directly to the issuer server 42.

  In the above embodiment, the control unit 21 of the delivery management server 20 executes the seller business type identification (step S1-15) and the settlement request processing (step S1-16) before transmitting the settlement request. Alternatively, the seller's business type code may be recorded in advance in the cash on delivery management record 250 when a cash on delivery delivery request is received or when an authorization request is transmitted.

  In the above embodiment, the control unit 21 of the delivery management server 20 executes a payment settlement process (Step S1-19). Here, the settlement amount is calculated by subtracting the card settlement fee recorded in the cash on delivery management record 250. Instead, the card settlement fee for the seller may be included in the cash on delivery fee.

  DESCRIPTION OF SYMBOLS 10 ... Seller server, 20 ... Delivery management server, 21 ... Control part, 22 ... Seller information storage part, 23 ... Fee information storage part, 24 ... Delivery request information storage part, 25 ... Price exchange information storage part, 30 ... Mobile terminal, 31... Terminal control section, 311... Code reading means, 312... Status registration means, 313 .. cash on delivery execution means, 40 .. credit management system, 41 ... acquirer server, 42.

Claims (5)

Card information acquisition means for reading card information recorded on a credit card;
Merchant information storage means that stores and stores an industry code associated with each seller;
A cash on delivery information storage means for recording a cash on delivery request including information on a seller, a purchaser, and a cash on delivery amount;
A payment support system comprising a control means for transmitting a payment request to a credit management system,
The settlement support system is
Means for recording the cash-on-delivery request for the product acquired from the seller server in the cash-on-delivery information storage means;
Means for reading card information of the purchaser's credit card in the card information acquisition means of the delivery person at the time of delivery of the product;
Means for identifying a seller of the product, and extracting an industry code for the seller from the seller information storage means;
Means for transmitting to the credit management system including the specified industry code in the settlement request for the cash on delivery amount;
A payment support system comprising: means for paying a seller based on the cash on delivery amount.   2. The settlement support system according to claim 1, wherein the seller information storage means records a business type code for identifying a business type of each seller confirmed by a delivery company. The settlement support system comprises a delivery management server provided with the cash on delivery information storage means, and a portable terminal provided with the card information acquisition means,
3. The settlement support system according to claim 1, wherein the seller information storage unit is provided in the delivery management server. The settlement support system comprises a delivery management server provided with the cash on delivery information storage means, and a portable terminal provided with the card information acquisition means,
The settlement support system according to claim 1 or 2, wherein the seller information storage means is provided in the portable terminal. Card information acquisition means for reading card information recorded on a credit card;
Merchant information storage means that stores and stores an industry code associated with each seller;
A cash on delivery information storage means for recording a cash on delivery request including information on a seller, a purchaser, and a cash on delivery amount;
A method for supporting payment using a payment support system having a control means for transmitting a payment request to a credit management system,
The settlement support system is
Recording the cash on delivery request of the product acquired from the seller server in the cash on delivery information storage means;
At the time of delivery of the product, the card information acquisition means of the delivery person reads the card information of the purchaser's credit card;
Identifying the merchant of the product, and extracting an industry code for the merchant from the merchant information storage means;
Including the specified industry code in the settlement request for the cash on delivery amount, and transmitting to the credit management system;
Performing a payment for a seller based on the cash amount.

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