JP5457726B2 - Electronic money transaction management system - Google Patents

Description

  The present invention relates to an electronic money transaction management system that manages transactions using a plurality of types of electronic money and settlement at the time of the transaction.

In recent years, as a method of user settlement at a store, payment with electronic money having high convenience instead of cash settlement has been increasing.
However, the types of electronic money are different for each electronic money business operator, and the rules for settlement procedures and the like are different for each electronic money. Therefore, in order to be able to handle all of the above different types of electronic money in order to meet the needs of various users, the store individually contracts with each electronic money business operator and sets up a terminal for settlement for each electronic money. It was necessary to prepare, and it was very expensive and time-consuming.

  Therefore, as a multi-electronic money settlement agency system that performs multiple types of electronic money settlement, the store-designated money type information designated by the store as the type of money received by the store, and the store designation designated by the store as the money remittance destination A store information storage unit that stores a store information database including information on money remittance destinations, and converts electronic money received from store users into store-designated money type money according to store-designated money type information Next, there is known a device including an electronic money conversion remittance unit that remits the converted money to a store designated money remittance destination in accordance with the information of the store designated money remittance destination (see, for example, Patent Document 1).

JP 2002-334285 A

  According to the invention described in Patent Document 1, in each virtual and real store, a user of each store can make a settlement at the store using the electronic money without being conscious of the type of electronic money owned. become able to.

However, in the case of the multi-electronic money settlement agency system described in Patent Document 1, it is possible to perform settlement corresponding to a plurality of types of electronic money, but the transaction result between the user and the store and the multi-electronic money settlement Since there is no means for judging the consistency with the settlement contents made through the agency system, there is a problem that the accuracy of the transaction is insufficient.
In addition, since the above settlement is made for each electronic money business unit, it is not possible to grasp the transaction details of the traded product unit, so it is possible to grasp what products are purchased with electronic money at the store unit or business unit. There is a problem in that it is not convenient.

  An object of the present invention is to provide an electronic money transaction management system capable of accurately performing a transaction using a plurality of types of electronic money and grasping the transaction content of a product unit that has been traded.

In order to solve the above-described problem, an invention according to claim 1 is provided for each store, and is connected to a transaction terminal for performing a transaction of a product using an electronic money card, and the transaction terminal via a network, and A business server that is provided for each business and performs settlement in the transaction, and a management server that is connected to the transaction terminal and the business server via a network and manages electronic money settlement of the store based on the settlement In the electronic money transaction management system, the transaction terminal includes a card read / write unit capable of reading and writing money amount information regarding the balance of electronic money of a plurality of types of electronic money cards, and a product using the electronic money card In the transaction, the amount information of the electronic money card used by the user is read and written by the card reader / writer, and payment by the electronic money card is made Payment means for processing; payment information transmission means for transmitting payment information of the electronic money card paid by the payment means to a business server corresponding to the electronic money card; and the transaction based on the payment information. A creation means for creating transaction data including payment details information for each product made, and a transaction data transmission means for sending the transaction data created by the creation means to the management server. A settlement unit that performs settlement in the transaction of the product based on payment information transmitted from the transaction terminal, and a settlement result that transmits a settlement result by the settlement unit to the management server as settlement result data for each electronic money business operator provided with a data transmission means, wherein the management server, was the transaction in each shop and each electronic money business items Based storage means for storing transaction data including payment detail information, the settlement result data before transmission from the article's server, a transaction data sent from the transaction terminal, to a predetermined abutting keys with Tsukiawasuru And a transaction data registration means for registering the transaction data in the storage means when the result of the match by the match means coincides.

  According to a second aspect of the present invention, in the electronic money transaction management system according to the first aspect of the present invention, the electronic money transaction management system includes a merchandise delivery server connected to the management server to arrange delivery of merchandise at each store, Includes money amount data generated by the transaction, and the transaction terminal includes order data transmission means for transmitting order data relating to ordering of products of other stores to the management server, and the management server transmits the order data Means for transmitting the order data transmitted by the means to the product delivery server, wherein the product delivery server arranges delivery of the product to the other store based on the order data transmitted from the management server. The delivery terminal includes delivery arrangement means, and the transaction terminal transmits completion notification information notifying that the arrival of the commodity based on the ordering data is completed to the management server. The management server is designated in advance among the transaction data of the ordering store stored in the storage unit based on the completion notification information transmitted by the completion notification information transmission unit. And subtracting the price of the product from the amount data of the other business, and among the transaction data of the other stores stored in the storage means, the price of the product is added to the amount data of the business specified in advance. It is provided with the price adjustment means which performs the adjustment process which adds.

  According to a third aspect of the present invention, in the electronic money transaction management system according to the second aspect, the order data and the completion notification information include an order number for identifying the order of each product, and the product delivery server includes: The delivery server includes delivery completion data transmission means for sending delivery completion data including the order number to the management server when delivery of the product arranged for delivery by the delivery arrangement means is completed. The order matching means includes order completion means for matching completion notification information transmitted by the completion notification information transmission means and delivery completion data transmitted by the delivery completion data transmission means based on the order number. In the case where the results of the matching are matched, the settlement process is performed.

  According to a fourth aspect of the present invention, in the electronic money transaction management system according to any one of the first to third aspects, the transaction terminal is configured by a portable unit that is at least partially portable, The portable unit reads and writes the amount information of the electronic money card used by the user by the card reading and writing unit, and performs charging processing with the electronic money card, and the electronic money card relating to the amount charged by the charging unit Charge information transmitting means for transmitting charge information to a business server corresponding to the electronic money card, and the business server includes money information storage means for storing money information of each electronic money card, Adding means for performing addition processing on the amount information stored in the amount information storage means based on the charge information transmitted from the transaction terminal; Characterized in that it comprises a.

According to the present invention, the transaction data created by the creation means of the transaction terminal and the settlement result data for each electronic money business entity transmitted by the settlement result data transmission unit of the business entity server are matched by the management server. The transaction data is registered in the storage means when the transaction data registration means agrees with the result of the match. In other words, since the transaction data is registered after the consistency between the settlement result by the electronic money business operator and the transaction result at the store performed by the transaction terminal is confirmed, the transaction by the electronic money can be performed accurately. It becomes. Further, since the transaction data includes payment details information for each traded product, it is possible to grasp the transaction content of the traded product unit.
Therefore, it can be said that the present invention is an electronic money transaction management system capable of accurately performing transactions of a plurality of types of electronic money and grasping the transaction content of the traded product unit.

It is a block diagram which shows schematic structure of the electronic money transaction management system which concerns on this invention. It is a flowchart for demonstrating the merchandise transaction process by the electronic money transaction management system which concerns on this invention. It is a flowchart for demonstrating the charge process by the electronic money transaction management system which concerns on this invention. It is a flowchart for demonstrating the merchandise ordering process by the electronic money transaction management system which concerns on this invention.

  Hereinafter, an electronic money transaction management system according to the present invention will be described with reference to FIG. The scope of the invention is not limited to the illustrated example.

  The electronic money transaction management system 1 is installed in each store, for example, and is a portable transaction terminal 10 (portable part), a management server 100, and a provider server 500 provided for each provider of various electronic money, And a merchandise delivery server 1000 that arranges delivery of merchandise in each store, and each can communicate with each other via the network N, and the user can use the electronic money card via the transaction terminal 10. When the transaction of the product using is performed, the business server 500 performs settlement in the transaction (electronic money settlement), and the management server 100 manages the electronic money settlement of the store based on the settlement.

  The network N is composed of, for example, a communication network for the transaction terminal 10, the management server 100, the business server 500, and the product delivery server 1000 to perform mutual communication such as transmission and reception of information.

  The transaction terminal 10 reads the amount information of an electronic money card (IC card for electronic money), for example, when a user trades a product (purchase of a product, etc.) using an electronic money card at an arbitrary store. A payment terminal that performs payment processing, transmits information related to the payment processing to the business server 500 and executes payment processing, and can be carried and can read and write amount information of multiple types of electronic money cards , A device for a POS system (Point Of Sale System) as a parent device of the above devices.

  The transaction terminal 10 includes, for example, an R / W unit 11 (card reading / writing unit), a communication unit 12 (payment information transmission unit, order data transmission unit, completion notification information transmission unit), an operation unit 20, and a control unit. Part 13.

  The R / W unit 11 is, for example, a multi-card reader / writer that can read and write money amount information of a plurality of types of electronic money cards by acquiring the card identification ID of the read card. Specifically, the user selects an electronic money card to be used for the transaction, the payment processing program 15a and the charge program 15e described later are executed, and the type of the electronic money card is specified. When the card is brought close to the R / W unit 11, the R / W unit 11 reads the amount information from the IC chip of the electronic money card and inputs the read amount information to the control unit 13. And it is comprised so that it may be rewritten by the newest money amount information by performing predetermined arithmetic processing from control part 13. In other words, by executing the R / W unit 11 and the payment processing program 15a and the charge program 15e, the payment processing and the charge processing, which are conventionally possible only for a single type of electronic money card, can be performed in a plurality of types (multiple) This is also possible for money cards.

The communication unit 12 is a communication interface for transmitting / receiving data to / from the management server 100 and the operator server 500 via the network N, for example.
And the communication part 12 transmits the payment information of the electronic money card paid at the time of execution of the below-mentioned payment program 15a to the provider server 500 corresponding to the said electronic money card. Here, the payment information is, for example, the terminal identification ID of the transaction terminal used for the transaction of the product / card identification ID of the electronic money card (ID for specifying the type of electronic money card) and the card number (card identification) The serial number assigned to each card of the electronic money card specified by the ID), the total amount of electronic money paid during the transaction of the product (amount data generated by the transaction), the date and time of the transaction, and the serial number of the transaction It is the information which consists of etc. Therefore, the communication unit 12 can transmit payment information to the business server 500 corresponding to the electronic money card based on the card identification ID of the electronic money card read by the R / W unit 11.
Further, the communication unit 12 transmits transaction data created during execution of a creation program 15b described later to the management server 100, and transmits order data to the management server 100 during execution of an order data transmission program 15c described later, thereby completing the completion notification. Completion notification information is transmitted to the management server 100 when the information transmission program 15d is executed.

The operation unit 20 is an operation input device such as a keyboard or a mouse, for example, generates a predetermined operation input signal according to a user operation input, and outputs the operation input signal to the control unit 13.
A user who uses the transaction terminal 10 (at an ordering store) can create a part of ordering data related to ordering products from another store via the operation unit 20. Here, the ordering data includes the name, unit price, order quantity, and the like of the ordering product input by the user via the operation unit 20, the card identification ID and card number of the electronic money card to be used, and the store from which the order is placed And additional data such as a terminal identification ID assigned to each transaction terminal for identifying another store, an order number for identifying the order of each product, and the like, when an order data transmission program 15c described later is executed The additional data is added and transmitted to the management server 100.

  The control unit 13 includes, for example, a CPU 14 and a storage unit 15, and the CPU 14 executes various processing programs stored in the storage unit 15 of the transaction terminal 10, whereby each component of the transaction terminal 10 is configured. Take control.

  A CPU 14 (Central Processing Unit) executes various programs stored in the storage unit 15 in response to input signals input from each unit of the transaction terminal 10 and outputs output signals to each unit based on the execution program. As a result, the overall operation of the terminal 1 is comprehensively controlled.

  The storage unit 15 includes a data storage device such as an HDD (Hard Disk Drive), a non-volatile memory, and the like, and an area for storing a program executed by the CPU 14 and an area for storing various data necessary for executing the program. Is provided. Examples of programs stored in the storage unit 15 include a payment processing program 15a (payment means), a creation program 15b (creation means), an order data transmission program 15c (order data transmission means), and a completion notification information transmission. A program 15d (completion notification information transmission means), a charge program 15e (charge means), and a charge information transmission program 15f (charge information transmission means) are included.

The payment processing program 15a reads, for example, the amount information of the electronic money card used by the user in the R / W unit 11 in the transaction of the product using the electronic money card, and processes the payment by the electronic money card. It is a program that realizes the function to perform.
Specifically, when the user selects a product to be traded and selects an electronic money card used for payment from a plurality of types of electronic money cards via the operation unit 20 or the like, the CPU 14 performs an operation input from the operation unit 20. Based on the input signal, the R / W unit 11 determines an electronic money card to be read and written. Then, when the user brings the electronic money card close to the R / W unit 11 and the amount information is read by the R / W unit 11, the CPU 14 uses the read amount information for the unit price of the product selected by the user. Payment processing is performed by updating based on the total amount calculated based on the specified quantity or the like. In addition, the CPU 14 creates payment information of an electronic money card that is transmitted to the business server 500 via the communication unit 12 when the payment processing program 15a is executed.

  The creation program 15b is a program that, for example, causes the CPU 14 to realize a function of creating transaction data including payment details information for each traded product based on payment information.

  Here, the payment details information refers to the total amount of electronic money paid at the time of the transaction of the product using data accumulated by reading the barcode printed on each product with a POS system device. It is the information detailed in the unit of the product. Specifically, the payment details information includes a classification of a traded product (for example, a product category such as clothing, food, miscellaneous goods), a name and unit price of the product, a traded quantity, and the like.

Transaction data includes payment details information, amount information after payment processing, terminal identification ID of the transaction terminal used for the transaction / card identification ID and card number of the electronic money card, transaction date and time, transaction serial number, This is information to which point information or the like given to the user (electronic money card) is added at the time of transaction.
The point information is given a predetermined discount privilege or the like according to the number of points when the product is traded, and can be used in common for each store (transaction terminal 10).

The order data transmission program 15c is a program that causes the CPU 14 to execute a function of transmitting order data relating to ordering of products from other stores to the management server 100.
Specifically, when the user using the transaction terminal 10 places an order for a product in another store, when the user inputs predetermined data via the operation unit 20, the CPU 14 executes the order data transmission program 15c, Order data is created by adding additional data to the data input by the user, and the order data is transmitted to the management server 100 via the communication unit 12.

The completion notification information transmission program 15d is a program for causing the CPU 14 to execute a function of transmitting completion notification information to the management server 100 for notifying that the arrival of the commodity based on the ordering data is completed.
Specifically, after the CPU 14 executes the ordering data transmission program 15c and transmits the ordering data to the management server 100, goods are received from other stores based on the ordering data. When the information is input, the CPU 14 executes the completion notification information transmission program 15d, and the order number for identifying the order of the product created when the order data transmission program 15c is executed, the store where the product is received (that is, the ordering source) Completion notification information including the terminal identification ID of the store, the name and quantity of the received product, the price of the product, the arrival date and time, and the like is created and transmitted to the management server 100 via the communication unit 100.

The charge program 15e is a program that, for example, causes the CPU 14 to realize a function of reading and writing money amount information of an electronic money card used by the user by the R / W unit 11 and performing a charge process using the electronic money card.
Specifically, when charging the electronic money card, the user deposits a predetermined amount and selects an electronic money card to be charged from a plurality of types of electronic money cards via the operation unit 20 or the like. Then, the CPU 14 determines an electronic money card to be read / written by the R / W unit 11 based on an operation input signal input from the operation unit 20. Then, when the user brings the electronic money card close to the R / W unit 11 and the amount information is read by the R / W unit 11, the CPU 14 reads the read amount information based on the amount received by the user. The charge process is performed by updating.
Note that the charge process performed by the CPU 14 executing the charge program 15e may include an auto-charge type charge process.

The charge information transmission program 15f is a program that causes the CPU 14 to execute a function of transmitting the charge information of the electronic money card related to the amount charged by the execution of the charge program 15e to the business server 500 corresponding to the electronic money card.
Specifically, when the CPU 14 executes the charge program 15e to perform the charge process, the charge information transmission program 15f is executed, and the charged amount, the terminal identification ID of the transaction terminal / the card identification ID of the electronic money card and the card The charge information of the electronic money card including the number and the like is transmitted to the provider server 500 corresponding to the electronic money card via the communication unit 12.

The business server 500 is held in units of electronic money business operators that operate various types of electronic money, and based on payment information by the electronic money card transmitted from the transaction terminal 10, settlement in the transaction of products using the electronic money card is performed. Server to do.
Then, the business server 500 performs, for example, a communication unit 510 (payment result data transmission means) for communicating with the transaction terminal 10 and the management server 100 via the network N, and control for performing overall control of the business server 500. Part 520 and the like.

The communication unit 510 includes a communication device for connecting to the network N such as a modem, for example, and enables mutual communication between the transaction terminal 10 and the management server 100.
Then, the communication unit 510 transmits payment result data created by executing a payment program 540a described later to the management server 100.

  The control unit 520 includes a CPU 530 (Central Processing Unit), a storage unit 540, and the like. The CPU 530 executes various processing programs stored in the storage unit 540, whereby each component of the operator server 500 is configured. Control.

  The CPU 530 executes various programs stored in the storage unit 540 according to input signals input from each unit of the business server 500, and outputs an output signal to each unit based on the execution program. The overall operation of the operator server 500 is controlled overall.

  The storage unit 540 includes a data storage device such as an HDD (Hard Disk Drive), a non-volatile memory, and the like, and an area that stores a program executed by the CPU 530 and an area that stores various data necessary for executing the program. Is provided. As programs stored in the storage unit 540, for example, a settlement program 540a (settlement means), an addition program 540b (addition means), and the like are provided. In addition, the storage unit 540 stores monetary amount information in the monetary amount information storage unit 540c in units of individual electronic money cards in association with the card numbers assigned to the electronic money cards corresponding to the respective card identification IDs. Each time the payment program 540a and the addition program 540b (addition means) described later are executed, the amount information is updated.

The settlement program 540 a is a program that causes the CPU 530 to execute a function of performing settlement in the transaction of the product made at the transaction terminal 10 based on the payment information transmitted from the communication unit 12 of the transaction terminal 10.
Specifically, when payment information is transmitted from the transaction terminal 10, the CPU 530 executes the settlement program 540a and is stored in the money amount information storage unit 540c based on the card identification ID and card number included in the payment information. The amount information corresponding to the card identification ID and card number is extracted. And CPU530 settles the said transaction by deducting the total amount of the electronic money paid at the time of the transaction contained in payment information from the said amount information. Further, when executing the payment program 540a, the CPU 530 creates payment result data for each electronic money business based on the result of the payment.
Here, the settlement result data is the total amount of electronic money paid at the time of transaction, the amount information after settlement, the terminal identification ID of the transaction terminal used for the transaction / the card identification ID and card number of the electronic money card, the transaction The date and time, the serial number of the transaction (transaction serial number), and the like. That is, the settlement result data is different from the transaction data created at the transaction terminal 10 in that the total amount is not detailed in the unit of the commodity for which the transaction is performed.

The addition program 540b is a program for causing the CPU 530 to execute a function of performing addition processing on the amount information stored in the amount information storage unit 540c based on the charge information transmitted from the transaction terminal 10.
Specifically, when the CPU 14 of the transaction terminal 10 executes the charge information transmission program 15f and the charge information is transmitted, the CPU 530 executes the addition program 540b and based on the card identification ID and the card number included in the charge information. Then, the amount information corresponding to the card identification ID and the card number stored in the amount information storage unit 540c is extracted. Then, the CPU 530 adds the charged amount included in the charge information to the amount information, and updates the amount information in the amount information storage unit 540c.

  The management server 100 is a server that manages the electronic money settlement of the store based on the settlement performed by the business server 500. For example, the management server 100 is mutually connected to the transaction terminal 10, the server 500, and the product delivery server 1000 via the network N. The communication unit 110 (transmission means) for communicating with the control server 120, the control unit 120 that performs overall control of the management server 100, and the like.

The communication unit 110 is configured by a communication device for connecting to the network N such as a modem, for example, and enables mutual communication between the transaction terminal 10, the business server 500, and the product delivery server 1000. .
Further, the communication unit 110 transmits order data stored in an order data storage unit 142 of the storage unit 140 described later to the product delivery server 1000.

  The control unit 120 includes a CPU (Central Processing Unit) 130, a storage unit 140, and the like, and the CPU 130 executes various processing programs stored in the storage unit 140, whereby each component of the management server 100 is configured. Control.

  The CPU 130 executes various programs stored in the storage unit 140 in accordance with input signals input from each unit of the management server 100, and outputs an output signal to each unit based on the execution program. Overall control of the operation of the server 100 is performed.

The storage unit 140 includes a data storage device such as an HDD (Hard Disk Drive), a non-volatile memory, and the like, and an area that stores a program executed by the CPU 130 and an area that stores various data necessary for executing the program. Is provided. Examples of programs stored in the storage unit 140 include a matching program 140a (matching means), a transaction data registration program 140b (transaction data registration means), a price adjustment program 140c (price adjustment means), and an inventory management program. 140d and the like.
In addition, the storage unit 140 includes a transaction data storage unit 141 (storage unit) that stores transaction data for each electronic money company in a database for each store, and the CPU 130 is based on the stored transaction data. Manages electronic money settlement, sales, etc. for each store by executing a predetermined accounting program or the like.
The storage unit 140 has an order data storage unit 142 that stores order data transmitted from the transaction terminal 10.
In addition, the storage unit 140 includes an inventory data storage unit 143 that stores inventory data relating to the inventory of each product for each transaction terminal 10 (for each store).

The match program 140a is a program that causes the CPU 130 to execute a function of matching the settlement result data transmitted from the business server 500 and the transaction data transmitted from the transaction terminal 10 based on the match key.
Specifically, when the settlement result data is transmitted from the business server 500 and the transaction data is transmitted from the transaction terminal 10, the CPU 130 executes the matching program 140a and is included in both the settlement result data and the transaction data. The terminal identification ID, the card number of the electronic money card, and the settlement serial number (transaction serial number) are extracted from each data as a match key. Then, the CPU 130 matches the settlement result data and the transaction data based on the extracted matching key.

The transaction data registration program 140b is a program that causes the CPU 130 to execute a function of registering transaction data in the transaction data storage unit 141 when the result of the match by the execution of the match program 140a matches.
Specifically, when the CPU 130 executes the matching program 140a and matches the settlement result data and the transaction data, as a result of confirming the consistency of both data, the CPU 130 executes the transaction data registration program 140b, The transaction data is registered in the transaction data storage unit 141.
That is, since the transaction data in which the payment details information is written is stored by the CPU 130 executing the transaction data registration program 140b, the management server 100 can grasp the transaction content of the unit of the traded product.

Based on the completion notification information transmitted from the transaction terminal 10, the payment settlement program 140 c is based on the amount data of the business operator designated in advance among the transaction data of the ordering store stored in the transaction data storage unit 141. A function of subtracting the price of the product and performing a checkout process of adding the price of the product to the amount data of the business specified in advance in the transaction data of other stores stored in the transaction data storage unit 141 This program is executed by the CPU 130.
Specifically, the completion notification information transmission program 15d of the transaction terminal 10 is executed and the completion notification information is transmitted, and the delivery completion data transmission program 1040b of the commodity delivery server 1000 described later is executed and the delivery completion data is transmitted. Then, the CPU 130 executes the payment settlement program 140c and collates the completion notification information and the delivery completion data based on the order numbers included in both. Further, the CPU 130 confirms the consistency between the completion notification information and the ordering data stored in the ordering data storage unit 142 when the matching results match. That is, it is confirmed whether the terminal identification ID, the order number, and the name / quantity of the ordered / received product are the same in both data.
When the consistency is confirmed, the CPU 130 determines the ordering store and the electronic money card used based on the terminal identification ID representing the ordering store, the card identification ID, and the card number included in the ordering data. The transaction data corresponding to the type is extracted from the transaction data storage unit 141, and the price of the product included in the completion notification information is subtracted from the total amount included in the transaction data.
Further, the CPU 130 obtains transaction data corresponding to the type of the other stores and the used electronic money based on the terminal identification ID, the card identification ID, and the card number representing the other stores included in the order data. Extracted from the storage unit 141, the price of the product included in the completion notification information is added to the total amount included in the transaction data.

The inventory management program 140d is a program that manages the inventory of products for each transaction terminal 10 (for each store) based on transaction data stored in the transaction data storage unit 141.
Specifically, when the CPU 130 executes the inventory management program 140d, the transaction data stored in the transaction data storage unit 141 is extracted and stored in the inventory data storage unit 143 based on the payment details information of the transaction data. A process of subtracting the quantity of the traded product from the inventory data is performed to update the inventory data. If the inventory of the product is found to be insufficient (for example, less than the specified quantity) as a result of the above processing, the CPU 130 sends the inventory data to the transaction terminal 10 (store) corresponding to the inventory data and places an order. Prompt.

  The merchandise delivery server 1000 is a server that arranges delivery of merchandise to each store, for example, a communication unit 1010 for communicating with the transaction terminal 10 and the management server 100 via the network N, and a merchandise delivery server. A control unit 1020 that performs overall control 1010 and the like.

  The communication unit 1010 includes a communication device for connecting to the network N such as a modem, and enables mutual communication between the transaction terminal 10 and the management server 100.

  The control unit 1020 includes a CPU (Central Processing Unit) 1030, a storage unit 1040, and the like, and the CPU 1030 executes various processing programs stored in the storage unit 1040, whereby each control of the product delivery server 1010 is performed. Control the configuration.

  The CPU 1030 executes various programs stored in the storage unit 1040 according to input signals input from each unit of the product delivery server 1010, and outputs an output signal to each unit based on the execution program. The overall operation of the merchandise delivery server 1010 is comprehensively controlled.

  The storage unit 1040 is configured by a data storage device such as an HDD (Hard Disk Drive), a non-volatile memory, and the like, and an area for storing a program executed by the CPU 1030 and an area for storing various data necessary for executing the program. Is provided. Examples of the program stored in the storage unit 1040 include a delivery arrangement program 1040a (delivery arrangement means), a delivery completion data transmission program 1040b (delivery completion data transmission means), and the like.

The delivery arrangement program 1040a is a program that causes the CPU 1030 to execute a function of arranging the delivery of goods to other stores based on the order data transmitted from the management server 100.
Specifically, when order data is transmitted from the communication unit 110 of the management server 100, the CPU 1030 executes the delivery arrangement program 1040a, identifies the other store from the terminal identification ID included in the order data, The merchandise delivery instruction data based on the description of the ordering data is created and transmitted to the transaction terminal 10 or other device of the other store.

The delivery completion data transmission program 1040b is a program that causes the CPU 1030 to execute a function of transmitting delivery completion data including an order number to the management server 100 when the delivery of the product arranged for delivery by the execution of the delivery arrangement program 1040a is completed. .
Specifically, when the ordering data is transmitted from the management server 100, and the product that the CPU 1030 executes the delivery arrangement program 1040a and the delivery arrangement is delivered to the ordering store (transaction terminal 10), the delivery completion data transmission program 1040b is executed, the order number is extracted from the order data, and delivery completion data including the order number is created. Then, the CPU 1030 transmits the delivery completion data to the management server 100 via the communication unit 1010.

(Product transaction processing)
Next, commodity transaction processing by the electronic money transaction management system 1 according to the present invention will be described using the flowchart of FIG.

First, at the store, when the product purchased by the user is settled, a product to be traded is selected, and an electronic money card to be used in the transaction is selected from a plurality of types of electronic money cards (step S1).
Then, the CPU 14 of the transaction terminal 10 executes the payment processing program 15a, specifies the electronic money card selected in step S1, reads and writes the amount information of the electronic money card with the R / W unit 11, and Payment processing using a money card is performed (step S2).
Subsequently, the communication part 12 of the transaction terminal 10 transmits the payment information of the electronic money card regarding the payment process performed in step S2 to the business entity server 500 corresponding to the electronic money card (step S3).

Next, the CPU 530 of the business server 500 executes the settlement program 540a and performs settlement processing in the transaction of the product made in Step S2 based on the payment information transmitted from the transaction terminal 10 (Step S4).
Then, CPU 530 transmits a notification to the effect that payment processing has been completed to transaction terminal 10 via communication unit 510 (step S5).
Further, the CPU 530 transmits the settlement result data created when the settlement program 540a in step S4 is executed to the management server 100 via the communication unit 510 immediately or by batch processing (step S6).

Next, the CPU 14 of the transaction terminal 10 that has received the notification in Step S5 executes the creation program 15b, and creates transaction data based on the payment information transmitted in Step S3 (Step S7).
And CPU14 transmits the transaction data created in step S7 to the management server 100 via the communication part 12 (step S8).

Next, the CPU 130 of the management server 100 executes the matching program 140a, and matches the settlement result data transmitted from the business server 500 in step S6 and the transaction data transmitted from the transaction terminal 10 in step S8. A matching process is performed based on the key (step S9).
Next, when the results of the matching process in step S9 match, the CPU 130 executes the transaction data registration program 140b and registers the transaction data in the transaction data storage unit 141 (step S10).

(Charge processing)
Next, charge processing by the electronic money transaction management system 1 according to the present invention will be described with reference to the flowchart of FIG.

  First, the user deposits an amount to be charged, and selects an electronic money card to be charged from a plurality of types of electronic money cards via the operation unit 20 or the like (step S51).

  Next, the CPU 14 of the transaction terminal 10 executes the charge program 15e, and performs a charge process based on the amount deposited in step S51 and the type of the selected electronic money card (step S52).

  Next, the CPU 14 of the transaction terminal 10 executes the charge information transmission program 15f and transmits the charge information of the electronic money card relating to the amount charged in step S51 to the business server 500 corresponding to the electronic money card ( Step S53).

  Next, the CPU 530 of the business server 500 executes the addition processing program 540b, and performs addition processing of the amount information stored in the amount information storage unit 540c based on the charge information transmitted in step S53 (step S54). ).

  Next, the CPU 530 transmits to the transaction terminal 10 via the communication unit 510 that the amount information has been updated by the addition process of step S54 (step S55).

(Product order processing)
Next, merchandise ordering processing by the electronic money transaction management system 1 according to the present invention will be described with reference to the flowchart of FIG.

  First, the CPU 130 of the management server 100 executes the inventory management program 140d, updates the inventory data for each transaction terminal 10 (for each store) based on the above-described merchandise transaction processing, and finds out of stock of products at a predetermined store Then, the inventory data is transmitted to the transaction terminal 10 (store) corresponding to the inventory data (step S100).

Next, the user refers to the inventory data transmitted in step S100, and inputs a product to be ordered and a store (another store) as an ordering party via the operation unit 20 of the transaction terminal 10 (step S101). .
Then, the CPU 14 of the transaction terminal 10 executes the order data transmission program 15c, creates order data based on the contents input in step S101, and transmits the order data to the management server 100 via the communication unit 12 (step S102). .

Next, the CPU 130 of the management server 100 registers the order data transmitted from the transaction terminal 10 in the order data storage unit 142 of the storage unit 140 (step S103).
And CPU130 transmits the said order data to the goods delivery server 1000 via the communication part 110 (step S104).

  Next, the CPU 1030 of the merchandise delivery server 1000 executes the delivery arrangement program 1040a, and arranges delivery of merchandise to other stores based on the order data transmitted from the management server 100 (step S105).

  Next, the CPU 1030 transmits delivery information related to the scheduled arrival date and time of the product arranged in step S105 to the transaction terminal 10 (step S106).

  Next, when the product arranged in step S105 is received at the transaction terminal 10 (store) (step S107), the CPU 1030 of the product delivery server 1000 executes the delivery completion data transmission program 1040b and places an order with the management server 100. The delivery completion data including the number is transmitted (step S108).

  Next, when the arrival information is input by the operation unit 20, the CPU 14 of the transaction terminal 10 executes the completion notification information transmission program 15d and transmits completion notification information for notifying that the arrival is completed to the management server 100 ( Step S109).

Next, the CPU 130 of the management server 100 executes the payment settlement program 140c and collates the delivery completion data transmitted in step S108 with the completion notification information transmitted in step S109 based on the order number ( Step S110).
Next, when the result of the matching in step S110 matches, the CPU 130 executes a payment process for the price of the product using the electronic money card based on the completion notification information transmitted from the transaction terminal 10 in step S109 (step S111). ).

  As described above, the electronic money transaction management system 1 according to the present invention manages the transaction terminal 10 provided for each store, the operator server 500 provided for each electronic money operator, and the electronic money settlement. The transaction terminal 10 includes an R / W unit 11 capable of reading and writing money amount information related to the balance of electronic money of a plurality of types of electronic money cards, and a transaction of products using the electronic money card. Based on the payment processing program 15a for the CPU 14 to execute the function of reading and writing the amount information of the electronic money card used by the user by the R / W unit 11 and performing the payment processing by the electronic money card, and the payment information A creation program 15b for the CPU 14 to execute a function of creating transaction data including payment details for each traded product; The payment information of the electronic money card paid by the execution of the payment processing program 15a of the CPU 14 is transmitted to the business server 500 corresponding to the electronic money card, and the transaction data created by the execution of the creation program 15b is managed by the management server 100. The business unit server 500, the settlement program 540 a for the CPU 530 to execute the function of performing settlement in the transaction of the product based on the payment information transmitted from the transaction terminal 10, and the CPU 530. A communication unit 510 that transmits the result of the settlement by executing the settlement program 540a to the management server 100 as settlement result data for each electronic money business. The management server 100 is for each store and for each electronic money business. Transaction data storage unit 141 for storing transaction data, and business operators By executing the matching program 140a for the CPU 130 to execute the function of matching the settlement result data transmitted from the client 500 and the transaction data transmitted from the transaction terminal 10 based on the matching key, and the matching program 140a. A transaction data registration program 140b for allowing the CPU 130 to execute a function of registering transaction data in the transaction data storage unit 141 when the results of matching match.

That is, according to the electronic money transaction management system 1, transaction data created by executing the creation program 15b of the transaction terminal 10 and settlement result data for each electronic money business transmitted from the communication unit 510 of the business server 500 Are registered by the execution of the matching program 140a of the management server 100, and the transaction data is registered in the transaction data storage unit 141 when the results of the matching match by the execution of the transaction data registration program 140b. . That is, since the transaction data is registered after the consistency between the settlement result by the electronic money business operator and the transaction result (at the store) made by the transaction terminal 10 is confirmed, the transaction by the electronic money is accurately performed. Will be done. Further, since the transaction data includes payment details information for each traded product, it is possible to grasp the transaction content of the traded product unit.
Therefore, it can be said that the present invention is an electronic money transaction management system capable of accurately performing transactions of a plurality of types of electronic money and grasping the transaction content of the traded product unit.
As a result, it is possible to grasp what products are purchased with electronic money at each store or electronic money business unit, and it can be used for marketing analysis, inventory management of products at each store, etc., which is convenient. .

  Further, the electronic money transaction management system 1 includes a product delivery server 1000 that arranges delivery of products in each store. The transaction data includes amount data generated by the transaction. The CPU 14 includes an order data transmission program 15c for the CPU 14 to execute a function of transmitting order data relating to the ordering of merchandise in the store to the management server 100. The management server 100 receives the order transmitted by the execution of the order data transmission program 15c of the CPU 14. A communication unit 110 that transmits data to the product delivery server 1000, and the product delivery server 1000 has a function that the product delivery server 1000 arranges delivery of products to other stores based on the order data transmitted from the management server 100. A delivery arrangement program 1040a for execution, and the transaction terminal 10 is based on the ordering data. The CPU 14 includes a completion notification information transmission program 15d for causing the CPU 14 to execute a function of transmitting completion notification information for notifying that the arrival of the product is completed to the management server 100. The management server 100 includes a completion notification information transmission program for the CPU 14 Based on the completion notification information transmitted by the execution of 15d, the price of the product is subtracted from the amount data of the business operator designated in advance in the transaction data of the ordering store stored in the transaction data storage unit 141. At the same time, among the transaction data stored in the transaction data storage unit 141, the CPU 130 executes a function for performing a process of adding the price of the product to the amount data of the business specified in advance. A settlement program 140c is provided.

  In other words, according to the electronic money transaction management system 1, it is possible to place an order for a product on the electronic money transaction management system 1 from the transaction terminal 10 as the ordering source store to another store. The required cost (the price of the product) can be reflected in the transaction data of the ordering store and the transaction data of other stores stored in the transaction data storage unit 141. Therefore, the amount data by electronic money of each store managed on the management server 100 is not only the total amount paid at the time of the transaction of the product but also the cost required for ordering the product. It becomes possible to manage and operate more comprehensive assets with electronic money.

  In addition, the order data and the completion notification information include an order number for identifying the order of each product, and the product delivery server 1000, when the delivery of the product arranged for delivery by the execution of the delivery arrangement program 1040a of the CPU 1030 is completed, A delivery completion data transmission program 1040b for the CPU 1030 to execute a function of transmitting delivery completion data including an order number to the management server 100 is provided. The payment settlement program 140c of the management server 100 is a function of the completion notification information transmission program 15d of the CPU 14. Completion processing is performed when the completion notification information transmitted by execution matches the delivery completion data transmitted by execution of the delivery completion data transmission program 1040b of the CPU 1030 based on the order number, and the results of the matching match. The function is executed by the CPU 130.

  That is, in the management server 100, the consistency between the completion notification information transmitted from the transaction terminal 10 in which the product is received and the delivery completion data transmitted from the product delivery server 1000 that arranged the delivery of the product is the order number. Since the checkout process is started after confirming in step (b), it becomes possible to manage and operate assets more accurately with electronic money.

  Further, the transaction terminal 10 is configured to be portable, and the R / W unit 11 reads and writes the amount information of the electronic money card used by the user, and executes a function of performing a charge process using the electronic money card on the CPU 14. Charge information 15 for causing the CPU 14 to execute a function for transmitting the charge information of the electronic money card related to the amount charged by the execution of the charge program 15e of the CPU 14 to the business server 500 corresponding to the electronic money card. The business server 500 includes an amount information storage unit 540c that stores the amount information of each electronic money card and the amount information storage unit 540c based on the charge information transmitted from the transaction terminal 10. CPU 5 has a function of performing addition processing on the stored amount information. And an addition program 540c to execute 0.

  That is, since it is possible to perform charge processing using an electronic money card at the portable transaction terminal 10, the convenience of the electronic money card for the user is dramatically improved.

Note that the present invention is not limited to the above-described embodiment, and may be modified as appropriate without departing from the spirit of the present invention.
For example, in the above embodiment, when the user selects an electronic money card to be used for payment from a plurality of types of electronic money cards via the operation unit 20 or the like, the payment processing program 15a is executed by the CPU 14, and the R / W The unit 11 is configured so that the electronic money card can be read and written. However, if the user moves the electronic money card used for direct payment closer to the R / W unit 11 without making a selection via the operation unit 20 or the like, the CPU 14 determines based on the card identification ID read by the R / W unit 11. You may comprise so that the kind of said electronic money card may be specified and a payment process may be performed. In this case, the user is not required to make a selection through the operation unit 20 or the like every time payment is made, so that the convenience of payment by the user's electronic money card is further improved.
Moreover, in the said embodiment, although the case where the transaction terminal 10 was portable as a whole was illustrated, for example, transmission / reception / accumulation of the data input from the provider server 500 etc. as a apparatus which comprises the transaction terminal 10, or predetermined | prescribed Includes a workstation that performs data processing, and can carry only some functions of R / W unit 11, communication unit 12, operation unit 20, and control unit 13 (functions for executing charge program 15e and charge information transmission program 15f) Of course, the portable unit may be configured so that other configurations are executed by the workstation or the like.

1 Electronic Money Transaction Management System N Network 10 Transaction Terminal (Mobile Unit)
11 R / W department (card reading and writing department)
12 Communication unit (payment information transmission means, order data transmission means, completion notification information transmission means)
14 CPU (payment means, creation means, order data transmission means, completion notification information transmission means, charge means, charge information transmission means)
15 storage unit 15a payment processing program (payment means)
15b Creation program (creation means)
15c Order data transmission program (order data transmission means)
15d Completion notification information transmission program (completion notification information transmission means)
15e Charge program (charging means)
15f Charge information transmission program (charge information transmission means)
100 management server 110 communication unit (transmission means)
130 CPU (matching means, transaction data registration means, price settlement means, order matching means)
140 Storage unit 140a Matching program (matching means)
140b Transaction data registration program (transaction data registration means)
140c Price settlement program (price settlement means, order matching means)
141 Transaction data storage unit (storage means)
500 business server 510 communication unit (payment result data transmission means)
530 CPU (settlement means, addition means)
540a Settlement program (settlement means)
540b Addition program (addition means)
540c Amount information storage unit (amount information storage means)
1000 Commodity delivery server 1030 CPU (delivery arrangement means, delivery completion data transmission means)
1040 Storage unit 1040a Delivery arrangement program (delivery arrangement means)
1040b Delivery completion data transmission program (delivery completion data transmission means)

Claims (4)

A transaction terminal that is provided for each store and performs a transaction of a product using an electronic money card, and an operator server that is connected to the transaction terminal via a network and that is provided for each electronic money operator and performs settlement in the transaction And an electronic money transaction management system including a management server connected to the transaction terminal and the provider server via a network and managing electronic money settlement of the store based on the settlement,
The transaction terminal
A card reading and writing unit capable of reading and writing amount information regarding the balance of electronic money of multiple types of electronic money cards;
In the transaction of the product using the electronic money card, the payment means for reading and writing the amount information of the electronic money card used by the user by the card reading and writing unit, and performing the payment processing by the electronic money card,
Payment information transmitting means for transmitting the payment information of the electronic money card paid by the payment means to a business server corresponding to the electronic money card;
Creation means for creating transaction data including payment details information for each of the traded products based on the payment information;
Transaction data transmitting means for transmitting the transaction data created by the creating means to the management server;
With
The provider server is
Settlement means for performing settlement in the transaction of the product based on payment information transmitted from the transaction terminal;
Payment result data transmitting means for transmitting the result of payment by the payment means to the management server as payment result data for each electronic money business operator;
With
The management server
Storage means for storing transaction data including payment details information for each traded product for each store and for each electronic money business;
A matching means for matching payment result data transmitted from the provider server and transaction data transmitted from the transaction terminal based on a predetermined matching key;
Transaction data registration means for registering the transaction data in the storage means when the result of the match by the match means matches;
An electronic money transaction management system comprising: In the electronic money transaction management system according to claim 1,
Connected to the management server, and has a product delivery server for arranging delivery of products of each store,
The transaction data includes the amount data generated by the transaction,
The transaction terminal
Order data transmission means for transmitting order data relating to ordering of products from other stores to the management server;
The management server
Transmission means for transmitting the order data transmitted by the order data transmission means to the commodity delivery server,
The merchandise delivery server
Based on the order data transmitted from the management server, comprising a delivery arrangement means for arranging the delivery of goods to the other stores,
The transaction terminal
Completion notification information transmitting means for transmitting completion notification information for notifying that the arrival of the product based on the order data is completed to the management server,
The management server
Based on the completion notification information transmitted by the completion notification information transmitting means, the price of the product is calculated from the amount data of the business operator designated in advance among the transaction data of the ordering store stored in the storage means. A subsidizing unit for subtracting and performing a settlement process of adding the price of the product to the amount data of the business specified in advance in the transaction data of the other store stored in the storage unit An electronic money transaction management system. In the electronic money transaction management system according to claim 2,
The order data and the completion notification information include an order number for identifying the order of each product,
The merchandise delivery server
A delivery completion data transmission means for sending delivery completion data including the order number to the management server when delivery of the product arranged for delivery by the delivery arrangement means is completed;
The payment settlement means of the management server is:
Order completion matching means for matching completion notification information transmitted by the completion notification information transmission means and delivery completion data transmitted by the delivery completion data transmission means based on the order number;
The electronic money transaction management system, wherein the settlement processing is performed when the result of the matching by the order matching means matches. In the electronic money transaction management system according to any one of claims 1 to 3,
The transaction terminal is composed of a portable part at least partially portable,
The portable unit is
Charging means for reading and writing the amount information of the electronic money card used by the user in the card reading and writing unit, and performing a charging process with the electronic money card;
Charge information transmitting means for transmitting charge information of the electronic money card related to the amount charged by the charging means to a business server corresponding to the electronic money card;
With
The provider server is
Amount information storage means for storing amount information of each electronic money card;
Based on the charge information transmitted from the transaction terminal, an addition means for performing addition processing on the amount information stored in the amount information storage means;
An electronic money transaction management system comprising:

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