JP2003168059A - Electronic transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To increase and stabilize a card transaction market and also to activate an occupational organization, etc., by giving various special privileges to card transactions made in an affiliated store by a member of the occupational organization, etc. <P>SOLUTION: An electronic transaction system has a sorting means for distinguishing card transaction data by the member from card transaction data by other general customers with respect to transaction data in an affiliated store, and can use both price settlement by a card company and price settlement by an organization such as the occupational organization, etc. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

The present invention relates to the Internet,
Electronic transaction system using fax communication, personal computer communication, telephone network (communication network), or card reader or purchase application, especially payment of goods sales and service provision using credit card on the Internet It is suitable for a payment system that performs online.

[0002]

2. Description of the Related Art Conventionally, goods and services are provided and sold through communication networks such as the Internet and fax (hereinafter,
It is called "sales of goods". ) Is performed by an electronic transaction system, and as a method of payment, cash on delivery payment and online payment using a credit card (hereinafter simply referred to as “card”) on the communication network are performed. ing. In addition, there is also an electronic transaction system for making a credit card payment using an order reception telephone or a card reader device installed at a store. In this case, the seller of the goods, etc. becomes a member store in partnership with the card company that issues the card, and when there are purchases by an unspecified number of card users, the validity, payment ability, etc. of the card are When the card transaction is confirmed when the company confirms it, the card company pays the purchase price to the member store, and the purchase price is paid to the card company from the deposit account of the purchaser registered in advance with the card company. It is something that will be done.

[0003]

However, the above-described conventional electronic transaction system is intended solely for the convenience of card-less purchases by card users and for the certainty of payment collection at member stores. And for the member stores, all card users are treated as unspecified general customers uniformly. That is, when the card user is a member who belongs to a specific organization, the merit associated with this has not been considered at all. In addition, at some of the card member stores, their own store (s)
Or, it is possible to issue a point card / discount card etc. (hereinafter referred to as "point card etc.") that is valid only for chain stores, and give points according to the purchase amount to only that user. , The purchaser must obtain the point card etc. for each member store, and there is no interlocking with the payment settlement card, and in order to use the acquired points, purchase the item again at the same store etc. or It was necessary to receive service, and until then, it was not a real cash discount.

The present invention has been made in view of the above circumstances, and (1) Consumers' cooperatives called occupational corporations (hereinafter referred to as "co-ops").
Say. ), Private companies, members of various organizations such as public bodies, and members such as union members are issued by the same card company by positioning them as specific card users (hereinafter referred to as "specific customers"). Differentiate from unspecified large number of card users (hereinafter referred to as "general customers"), enjoy special discounts when the specified customers use cards, and allocate personal payment resources such as salaries and bonuses under the jurisdiction of the affiliated organization. It is an object of the present invention to provide an electronic transaction system that enables payment settlement of purchase price. In other words, in the case of a purchase transaction by a specific customer, when the balance of the bank account for payment settlement registered with the card company is insufficient, or as a specific customer, you can enjoy special benefits such as special discounts. An object of the present invention is to provide an electronic transaction system that can increase the convenience of card use. (2) When purchasing goods etc. at a plurality of member stores, without using a point card etc. for each member store,
That is, an object of the present invention is to provide an electronic transaction system that can enjoy the special discount and other benefits as a specific customer by using only one affiliated card without carrying many point cards and the like. (3) As an organization such as a business corporation, the convenience of card use by the specific customer (member) in (1) above and the special customer (member) in (2) enjoy special discounts and other benefits. By making it easier to do so, the attractiveness of belonging to the group can be improved and the number of group members can be increased and activated, and without increasing the product lineup at co-ops, etc. An object of the present invention is to provide an electronic transaction system that enables a wide range of convenience in purchasing a member by making it possible to use a substantial product lineup. (4) At member stores, it is possible to secure a customer group that leads to stable sales by incorporating a large number of specific customers, who are members of organizations such as occupational corporations, into card users. An object is to provide an electronic trading system. (5) In card companies, due to the above-mentioned merits of affiliated organizations and their members, increase in affiliated organizations of the card, that is, increase in the number of members who hold cards by their members, and increase in transaction volume using cards. An object is to provide an electronic transaction system capable of increasing commission income.

[0005]

In order to solve the above-mentioned problems, in the electronic transaction system of the present invention according to claim 1, a member belonging to an organization that issues a tie-up card for payment by tie-up with a card company communicates. In an electronic transaction system that uses the card at affiliated member stores of the card via a network, a card reader, or by submitting a purchase application, the transaction data of the member and the transaction data of other general customers are distributed. It is characterized in that it has a distribution means that is provided as possible.

An electronic transaction system according to a second aspect of the present invention is the electronic transaction system according to the first aspect, wherein the distribution means manages individual payment resources of the transaction data of the members managed by the group. It is characterized in that it has a sorting means provided so as to be able to sort into the data using the data and the normal transaction data not using the data. Next, an electronic transaction system of the present invention according to claim 3 is the electronic transaction system according to any one of claims 1 and 2, wherein among the purchase payments relating to the transaction of the member, the individual payment. Regarding those that use resources, among the group settlement means that the group or its payment agent can pay at the member store, and the purchase payment related to the transactions of the members, do not use the individual payment source. The payment method for a credit card company or the payment agent for the credit card company is provided at the member store so that payment can be made at the member store. Next, the electronic transaction system of the present invention according to claim 4 is the electronic transaction system according to any one of claims 1 to 3, wherein at least the member information, the personal payment source information, and the affiliated card in the group. It is characterized by having a group management server for managing member store information. Next, an electronic transaction system according to a fifth aspect of the present invention is the electronic transaction system according to the first aspect, wherein the sorting means accesses the database of the member store via a communication network or a card reader. The present invention is characterized by having a distribution program capable of distributing the member and card transaction data by a general customer other than the member and outputting the result. Next, an electronic transaction system of the present invention according to claim 6 is the electronic transaction system according to any one of claims 1 to 5, wherein the card transaction data of the member input from the distribution means is aggregated. At the same time, the transaction processing server for the specific customer is capable of performing data such as data on whether or not to deduct personal payment resources such as salaries and / or bonuses of the members, determining the validity of the card, and outputting the results. It is characterized by having. Next, an electronic transaction system of the present invention according to claim 7 is the electronic transaction system according to any one of claims 1 to 6, wherein the member input from the distribution means via the transaction processing server for specific customers. It is possible to output to the database server of the card company all the normal transaction data relating to the above and all data of the card transactions relating to the general customer directly input from the distribution means, and for the card transaction data subject to the deduction in the member. It is characterized by having a connection management database server capable of outputting to the group management server and / or the database server of the payment agent. Next, the electronic transaction system of the present invention according to claim 8 is the electronic transaction system according to claim 1 or 7, wherein the administrator of the transaction processing server for specific customers is one or more of the above. Having a management program that can control the transaction processing server for specific customers, and after depositing the payment amount for the card transaction data subject to deduction such as salary from the above-mentioned group, to one or more of the member stores involved in the card transaction. On the other hand, it is characterized by having a price settlement program that enables payment settlement by distributing payment prices. Next, an electronic transaction system according to a ninth aspect of the present invention is the electronic transaction system according to any one of the first to eighth aspects, wherein the group is a sole cooperative or a group cooperative. Further, the member is the employee or a member of the union. Next, an electronic transaction system of the present invention according to claim 10 is the electronic transaction system according to any one of claims 1 to 9, wherein the communication network is the Internet, personal computer communication, or FAX communication. And Next, an electronic transaction system of the present invention according to claim 11 is the electronic transaction system according to any one of claims 1 to 10, wherein the HP includes an online product sales page and / or a service providing page in the member store. It is characterized in that the site or the online sales / service providing site is linked to the HP site of the organization via the Internet. Next, claim 12
The electronic transaction system of the present invention according to claim 1 to claim 11.
The electronic transaction system according to any one of claims 1 to 3, wherein the sorting means is provided so that the group can be specified based on the bin system numerical value in the card number, and the transaction data of the member is transaction data of general customers. It is characterized by being provided so as to be distinguishable from. Next, an electronic transaction system according to a thirteenth aspect of the present invention is the electronic transaction system according to any one of the first to twelfth aspects, wherein the transaction data includes an ID number or a symbol of the member store and a transaction target. The product, service code and price, as well as the number, expiration date, and user name of the affiliated card are included.

[0007]

BEST MODE FOR CARRYING OUT THE INVENTION The present invention will be described in more detail below with reference to the embodiments shown in the drawings. FIG. 1 shows a schematic configuration diagram of an electronic transaction system according to an embodiment of the present invention. As shown in this figure, the electronic transaction system 1 in this embodiment is composed of a server for processing various data and a communication means for connecting the respective servers. Co-op 10 as a professional corporation has a tie-up contract with a card company 50 to issue a card. The group management system 11 of the co-op 10 includes a database server DS1 in which personal data including salary data of members (members of the association), personal payment source data, purchase / payment conditions, and affiliated member store information is registered. Together with homepage HP1
Is equipped with.

[0008] Thus, the home page HP1 is the home page HP2, HP3 of the affiliated member stores 20, 21 ... Which sell various goods online on the Internet.
(Not shown) are linked. Member 1 of Co-op 10
2 is the homepage H of the member store via the homepage HP1 or directly using the communication terminal device such as a personal computer.
It is possible to access P2 and purchase an article or the like on the product / service sales page. In this case, Member 1
A tie-up credit card is issued in advance in 2, and basic data necessary for ordinary card transactions are recorded on the card, and an inquiry code regarding payment of salary deduction is recorded. Although the access means using the Internet is shown in the figure, in another embodiment, the member 12 uses the fax communication to access the member store 2.
This includes the case of making an order for 0, or the case of reading by a card reader (not shown) installed in the member store 20 and paying at the store.

The management system 20a in the member store 20 has a homepage HP2, a database server DS2 for processing data necessary for card transactions, and a distribution program 20b as means for distinguishing sales data for each customer. ing. Then, the sales data of the card transaction recorded in the database server DS2 is distributed to the distribution program 20 which constitutes distribution means.
Linked co-op 1 which was positioned as a specific customer by b.
It is divided into those related to the member 12 that constitutes 0 and those related to other card users who are positioned as general customers other than the members of the linked organization. The allocation in the allocation program 20b is performed by a bin system numerical decoding program incorporated in the card number, and is aggregated as specific customer sales data for each card user's affiliated organization and each member.

Then, transaction data is output from the distribution program 20b. Among the output signals,
The transaction data related to the member 12, that is, the transaction data related to a specific customer, includes the sales data described above, card data such as card number and user name, expiration date, salary deduction selection data, discount rate for special discount, and member store name and /
Alternatively, transaction data including the member store ID is included and input to the database server Ps1 for a specific customer. On the other hand, sales data related to other general card users, that is, sales data related to general customers are directly output as normal general customer data to the connection database server DS3 in the connection management system 40 described later.

In the database server Ps1 in the transaction condition determination system 30 for a specific customer, the member 1
Based on the transaction data of No. 2, the validity of the card expiration date and the validity of the payroll deduction selection data are collated, and the judgment result is the database server D of the member store 20.
It is fed back to S2. For the validity of this card, the data collation is performed by inquiring the database server DS3 described later or the database server DS4 of the card company 50 via this, and regarding the validity of the payroll deduction selection, the database server DS1 of the co-op 10 is used.
Is contacted to collate data.

Then, when the result of the judgment that the transaction data such as the validity of the card and the payroll deduction selection data is proper is fed back to the member store 20, the member store 20 sends it to the specific customer 12 who is a member of the association. A successful card transaction, that is, approval of the order is notified online. On the other hand, if it is determined that the transaction data is invalid due to the expiration of the card or the like, a message that the card transaction is not established, that is, the order cannot be accepted is notified online to the specific customer 12. If the only reason why the payroll deduction is valid is that the order cannot be accepted, the member 12 can change the transaction to a normal payment of the bank account without payroll deduction. It can be programmed into 20 database servers DS2.
In that case, the transaction form of the member 12 loses its position as a specific customer and becomes a transaction form by a general customer, and the transaction data is distributed by the distribution program 20b together with the transaction data of other general customers and the database server of the connection management system 40. Directly output to DS3.

The transaction data of the proper member 12 whose order has been approved is output to the database server DS3 in the connection management system 40 of the connecting company. In the database server DS3, the price payment data is divided into three groups and output according to the type of input transaction data. That is,
As the first group, channel D is used for the “payroll deduction approval transaction data” among the data of specific customers (member 12 of the association)
The data is output to the database server DS1 of the co-op 10 via A, and the "customer data without payroll deduction" out of the specific customer data as the second group is output to the database server DS4 of the card company 50, and further as the third group, the specific customer. The "general customer transaction data" other than the above are directly output to the database server DS4. Here, the types of customers of the first and second groups and the customers of the third group are programmed to be discriminable depending on whether or not the group to which the card user belongs is the co-op 10, as described above.

Next, the card company 50 purchases the payment obligation of the card user based on the transaction data of the second group and the third group input to the database server DS4 and pays the settlement price. Thus, the transaction data of the general customer (third group) of the settlement price is directly paid to the member store 20, while the transaction data of the specific customer (second group) without payroll deduction is paid. The agent 60 is paid.

For the payment agent 60, the payment of the settlement amount relating to the transaction data (no second pay group) of this particular customer (second group) and the database server DS of the co-op 10 are provided.
1 is calculated, and the “salary deduction” transaction data of the specific customer (member 12 of the association) is sent via the channel DB (first
The payment amount for the group) is received, and the database server DS5 data collects and records the data for each card user, and the payment amount for the transaction at the member store 20 is paid to the member store 20.

Although the card company 50 may directly perform payment settlement based on all transaction data of the above-mentioned first, second and third groups, a group of card issuing partners such as the co-op 10 and / or its configuration. It is desirable to have an agent who handles only payment in order to carry out a wide variety of complex data processing and payment operations accompanying the increase in the number of employees and the number of card member stores. Furthermore, the co-op 10 may pay the member store for the payment amount for the “salary deduction” transaction data (first group) of the member 12, which is a special member, without paying a payment agent, but for the same reason as above. Therefore, it is desirable to have an agent that handles only payment.

A series of electronic transaction processing from the access to the member store 20 for the purchase by the member 12 to the settlement of the purchase price by the card company 50 and / or the payment agent 60 is performed on the co-op 10 and the web. The same can be done at the other member stores 21, ... Further, the above-mentioned electronic transaction system can also be used for groups other than the co-op 10 that issues cards in cooperation with the card company 50.

Furthermore, in the present embodiment, an example of electronic transaction when a member of an organization accesses a home page on the Web and purchases an article or the like is shown, but the present invention is not limited to this, and the card can be used by another method. Such cases are also included in the present invention. That is, when the member 12 directly visits the member store 20 and makes a purchase when the member 12 inputs to the database server DS2 via a card reader (not shown) installed in the store, or the member 12 uses a telephone line. When making a purchase application to member store 20 verbally by clearly indicating your own card data and the presence or absence of payroll deduction payment along with the data of ordered products (services), or with the same contents as the purchase application by this telephone If you do this, or on the purchase application form provided at the store or in the product catalog, etc., enter your card data and the presence or absence of payroll deduction payment along with the data of the ordered products (services), etc. by using a facsimile or joining the member store 20. Submit to the store (including handing or mailing) to apply for purchase, and store the data at the member store 20 in the database server D. When entering process 2 also is an electronic trading system that is included in the present invention. Furthermore, in addition to the above-mentioned occupational corporations and private companies, public interest corporations, foundations, corporations, national or local public bodies, and non-corporate organizations / organizations are also included in the organizations relating to the present invention.

[0019]

The electronic transaction system according to the present invention has the following effects. (1) Since members such as employees and union members who belong to various groups such as co-ops and companies can be positioned as specific customers and can be distinguished from general customers, special customers receive a special discount when using a card, Payment settlement can be done by using individual payment resources such as salaries and bonuses under the jurisdiction of the affiliated organization. Therefore,
In the case of a purchase transaction by a specific customer, for example, even if the balance of the bank account for payment and settlement registered with the card company is insufficient, you can purchase at the member store and enjoy special benefits such as special discount as a specific customer. Since there is a merit, it is possible to enhance the convenience of using the card for a specific customer.

(2) When purchasing goods and the like at a plurality of member stores, it is possible to enjoy benefits such as special discounts as a specific customer only by using one affiliated card, so point cards for each member store It is not necessary to carry a large number of loyalty cards in order to properly use these items.

(3) As an organization such as an occupational corporation, it becomes easy to enjoy the convenience of the card use by the specific customer in the above (1) and the special discount such as the special discount in the above (2). The attractiveness of belonging to the group can be improved, and the number of group members can be increased and activated. In particular, life support-type groups such as co-ops can reduce the burden of expanding their product lineup of original products, etc., but can also use the product lineup with a full lineup due to the increase in card member stores. You can give a wide range of convenience to your purchase.

(4) In the affiliated card affiliate store, a large number of specific customers, members who belong to organizations such as occupational corporations, can be collectively incorporated into the card users.
It is possible to secure a customer group that leads to stable and increased sales.

(5) In the card company, along with the above-mentioned merits of the affiliated organization and its members, the number of affiliated organizations of the card, that is, the number of cardholders by the members, and the transaction volume using the card are increased. It is possible to increase commission income by increasing

[0024]

[Brief description of drawings]

FIG. 1 shows a schematic configuration of an electronic transaction system according to an embodiment of the present invention.

[Explanation of symbols]

10 Co-op 11 Group management system 20, 21 member stores 20b distribution program 30 Trading condition judgment system 40 connection management system 50 card companies 60 payment agent DS1-DS5 database server

Claims (13)

[Claims] 1. A member belonging to an organization which issues a payment affiliated card in partnership with a card company, the said card at an affiliated member store of said card through a communication network, a card reader, or by submitting a purchase application form. In the electronic transaction system utilizing the above, an electronic transaction system having a distribution means capable of distributing transaction data of the member and transaction data of other general customers. 2. The electronic transaction system according to claim 1, wherein the distribution unit uses, among the transaction data of the constituent members, data for using an individual payment source managed by the group and a normal transaction for which the data is not used. An electronic transaction system having a sorting means provided so as to be sorted into data. 3. The electronic transaction system according to claim 1, wherein, among purchase payments relating to transactions of the member, those using the individual payment source, the group or the With respect to the group settlement means that the payment agent can pay at the member store, and the purchase payment related to the transaction of the member who does not use the individual payment source, the card company or the payment agent thereof. And a payment means for a card company that a person can pay at the member store. 4. The electronic transaction system according to claim 1, wherein the group management server manages at least member information, personal payment source information, and affiliated card member store information in the group. An electronic transaction system characterized by having. 5. The electronic transaction system according to claim 1, wherein the distribution unit accesses the member database of the member store via a communication network or a card reader, and general customers other than the member. An electronic transaction system having a distribution program capable of distributing the card transaction data according to the above and outputting the result. 6. The electronic transaction system according to any one of claims 1 to 5, wherein the card transaction data of the member input from the distribution unit is aggregated and salary and / or salary of the member is added. Perform processing such as data on whether to withdraw from personal payment sources such as bonuses, card validity judgment, etc.,
An electronic transaction system having a transaction processing server for a specific customer capable of outputting the result. 7. The electronic transaction system according to claim 1, wherein the normal transaction data relating to the member input from the distribution means via the transaction processing server for the specific customer and the distribution means directly. All the input card transaction data relating to the general customer can be output to the database server of the card company, and the card transaction data of the member subject to deduction can be output by the group management server and / or the payment agent. An electronic transaction system having a connection management database server capable of outputting to the database server in. 8. The electronic transaction system according to claim 1, wherein an administrator of the transaction processing server for specific customers can control one or more transaction processing servers for specific customer. Having a management program, after payment of the payment amount for the card transaction data subject to deduction such as salary from the group, the payment amount can be distributed to one or more of the member stores involved in the card transaction for payment settlement. An electronic transaction system characterized by having a payment settlement program. 9. The electronic transaction system according to any one of claims 1 to 8, wherein the group is a consumer cooperative in a single business entity or a group business entity, and the member is an employee or union thereof. An electronic trading system characterized by being a member. 10. The electronic transaction system according to claim 1, wherein the communication network is the Internet, personal computer communication, or FAX.
An electronic trading system characterized by communication. 11. The electronic transaction system according to claim 1, including an online product sales page and / or a service providing page at the member store.
P site or online sales / service providing site
An electronic transaction system characterized by being linked to the HP site of the group via the Internet. 12. The electronic transaction system according to any one of claims 1 to 11, wherein in the distribution means, the group can be specified based on a bin system numerical value in the card number as a reference, and the configuration is also provided. An electronic transaction system characterized in that transaction data of employees is provided so as to be distinguishable from transaction data of general customers. 13. The electronic transaction system according to claim 1, wherein the transaction data includes an ID number or a symbol of the member store, a commodity / service code and price of a transaction object, and an affiliated card. An electronic transaction system characterized by including the number, expiration date, and user name.