JP2014013481A - Credit card settlement device, credit card settlement method and program - Google Patents

Abstract

Provided is a credit card settlement apparatus that charges a user who rents a product according to an actual use period in one settlement process.
A delivery information receiving unit for receiving delivery information including a credit card identifier of a credit card of a user who receives delivery of a product, a product identifier of the product, and a delivery date of the product, and storing the delivery information. The storage unit 14, the return information receiving unit 17 that receives return information including a delivery information identifier that identifies delivery information corresponding to the returned product, and the return information from the delivery date included in the delivery information identified by the delivery information identifier A credit card identified by the credit card identifier included in the delivery information used in determining the rental amount, the amount determining unit 19 that determines the rental amount according to the period of use up to the corresponding return date Is provided with a settlement unit 21 that performs settlement using.
[Selection] Figure 2

Description

  The present invention relates to a credit card settlement apparatus and the like that perform settlement of merchandise delivered to a user using a credit card.

  Conventionally, there has been a system that can receive a cash back when a product is returned after it has been purchased. As a result, if the product was not returned, it was purchased, and if it was returned, it was the same as rental (for example, see Patent Document 1).

JP 2009-245058 A

  However, in the conventional system, when a user rents a product, money is exchanged both when the product is purchased and when the product is returned, which makes the processing complicated. was there.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide a settlement apparatus that can deal with rental of goods by a single settlement process.

In order to achieve the above object, a credit card settlement apparatus according to the present invention provides delivery information including a credit card identifier for identifying a credit card of a user who receives delivery of a product, a product identifier for identifying the product, and a delivery date of the product. A delivery information reception unit for receiving delivery information, a storage unit for storing delivery information received by the delivery information reception unit, a return information reception unit for receiving return information including a delivery information identifier for identifying delivery information corresponding to the returned product, and The amount determination that determines the rental amount according to the period of use from the delivery date included in the delivery information identified by the delivery information identifier included in the return information received by the return information reception unit to the return date corresponding to the return information Credit card identifier included in the delivery information used in determining the rental amount. It is obtained and a payment unit for payment with a credit card to be identified.
With such a configuration, it becomes possible to charge the user for a rental amount according to the period of use of the product. Further, since it is possible to charge according to the actually used period without designating the rental period in advance, it is possible to perform appropriate charging with one settlement process.

The credit card settlement apparatus according to the present invention further includes a determination unit that determines whether a predetermined period has elapsed from a delivery date included in the delivery information accumulated by the accumulation unit, and the settlement unit Settlement of the purchase amount of the product identified by the product identifier included in the delivery information determined by the determination unit that the predetermined period has elapsed using the credit card identified by the credit card identifier included in the delivery information May be.
With such a configuration, it is possible to appropriately deal with both rental and purchase of merchandise. In addition, in both rental and purchase, the user can be charged with a single settlement process, so the process can be simplified.

In the credit card settlement apparatus according to the present invention, information used for determining the product identifier and the rental amount of the product identified by the product identifier, the information indicating that the rental amount increases as the product usage period increases. A product rental information storage unit for storing product rental information having the rental amount information, and the amount determination unit uses the rental amount information corresponding to the product identifier included in the delivery information and the usage period The rental amount of the product identified by the product identifier may be determined.
With such a configuration, the payment amount can be determined using the product rental information.

In the credit card settlement apparatus according to the present invention, return merchandise information that is information including a delivery information identifier for identifying delivery information corresponding to the returned merchandise and indicating that the returned merchandise has defects A return product information reception unit may be further provided, and the settlement unit may settle by increasing the rental amount corresponding to the return product information when the return product information reception unit receives the return product information.
With such a configuration, it becomes possible to respond to the defect of the returned merchandise afterwards by making use of the characteristics of the credit card. Therefore, for example, it is not necessary to carefully check for the presence or absence of product defects at the time of return, and the check can be performed later. As a result, for example, the procedure for returning the product can be simplified, and the cash register of the store that accepts the return of the product can be prevented from being mixed.

In addition, the credit card payment apparatus according to the present invention may further include a payment amount transmission unit that transmits the rental amount increased by the payment unit to the user of the credit card used for the payment.
With such a configuration, the user can know the payment amount.

In the credit card settlement apparatus according to the present invention, the delivery information reception unit receives delivery information, the return information reception unit receives return information, and the delivery information reception unit receives delivery information. A credit confirmation unit that performs credit confirmation for the credit card identified by the credit card identifier included in the delivery information, and a credit confirmation result transmission unit that transmits the result of the credit confirmation by the credit confirmation unit to the delivery information transmission source. And the storage unit may not store the delivery information when the credit check unit determines that the credit card payment is not possible.
With such a configuration, it is possible to deliver a product only to a user who is suitable for delivering the product after performing a credit check. As a result, it is possible to avoid a situation in which the rental amount or the like cannot be charged.

Further, in the credit card settlement apparatus according to the present invention, the credit check unit, when the purchase of the product identified by the product identifier included in the delivery information does not exceed the credit card usage limit amount for the credit check, It may be determined that payment is possible.
With such a configuration, credit confirmation can be performed using a credit card usage limit amount or the like.

  In the credit card settlement apparatus according to the present invention, the delivery information identifier may include a credit card identifier for identifying the credit card of the user who returned the product and a product identifier for identifying the product.

  According to the credit card settlement apparatus and the like according to the present invention, it is possible to charge a user who rents a product according to the actually used period in one settlement process.

The figure which shows the structure of the information processing system containing the credit card payment apparatus by Embodiment 1 of this invention. The block diagram which shows the structure of the credit card payment apparatus by the embodiment The flowchart which shows operation | movement of the credit card payment apparatus by the embodiment The flowchart which shows operation | movement of the credit card payment apparatus by the embodiment The figure which shows an example of the merchandise rental information in the embodiment The figure which shows an example of a response | compatibility with the credit card identifier and address in the embodiment The figure which shows an example of delivery information etc. in the embodiment Schematic diagram showing an example of the appearance of the computer system in the embodiment The figure which shows an example of a structure of the computer system in the embodiment

  Hereinafter, a credit card settlement apparatus according to the present invention will be described using embodiments. In the following embodiments, components and steps denoted by the same reference numerals are the same or equivalent, and repetitive description may be omitted.

(Embodiment 1)
A credit card settlement apparatus according to Embodiment 1 of the present invention will be described with reference to the drawings. The credit card settlement apparatus according to the present embodiment can deal with both cases where a user purchases and rents a product, and can charge the user with a single settlement process. .

  FIG. 1 is a diagram showing a configuration of an information processing system including a credit card settlement apparatus 1 according to the present embodiment. In FIG. 1, the information processing system includes a credit card settlement apparatus 1 connected by a wired or wireless communication line 500 and one or more terminal apparatuses 2. The communication line 500 is, for example, the Internet, an intranet, a public telephone line network, or a dedicated communication line network. The terminal device 2 is typically an information processing device installed in a store, and may be, for example, a cash register installed in a store, a POS (point of sale) terminal, or the like. The credit card settlement apparatus 1 may be connected to a server such as a credit card company or a credit card settlement processing center via the communication line 500 or another communication line.

  FIG. 2 is a block diagram showing a configuration of the credit card settlement apparatus 1 according to the present embodiment. In FIG. 2, the credit card settlement apparatus 1 according to the present embodiment includes a delivery information receiving unit 11, a credit confirmation unit 12, a credit confirmation result transmission unit 13, a storage unit 14, and a delivery information storage unit 15. Unit 16, return information reception unit 17, product rental information storage unit 18, amount determination unit 19, return product information reception unit 20, settlement unit 21, and settlement amount transmission unit 22.

  The delivery information receiving unit 11 receives delivery information. This delivery information is accepted when the product is delivered to the user. The delivery information is information including a credit card identifier for identifying a credit card of a user who receives delivery of the product, a product identifier for identifying the product, and a delivery date of the product. Here, since the product delivered to the user may be returned by the user later, it is preferable that the product can be used repeatedly, not a consumable item. The product may be, for example, an umbrella, an electric product, a magazine, a book, clothing, a tool, furniture, a musical instrument, a playground equipment, or other items that are not consumed by use. The delivery of the product means that the occupation of the product is transferred. For example, the delivery may be a rental delivery or a purchase delivery. At the time of delivery of the product, the user receiving the delivery of the product may or may not have decided to rent or purchase. The delivery of the product is usually performed at a store, but this need not be the case. Further, the credit card identifier may be any information as long as it can identify the credit card. For example, the credit card identifier may be a credit card number or an identifier of the user who owns the credit card. Also good. In the latter case, it is preferable that the identifier of the user is associated with information necessary for credit card settlement such as a credit card number. The user identifier may be, for example, the user's email address or telephone number, the user's name, or an identification code given to the user. The product identifier may identify a product for each type, or may identify all products. In the former case, a product with the same specification is identified by one product identifier (for example, the same product identifier is associated with the same vinyl umbrella), and in the latter case, a product with the same specification. Even so, each product is identified by a different product identifier (for example, even with the same vinyl umbrella, a different product identifier is associated with each product). In the present embodiment, the former case will be mainly described. The delivery date only needs to include at least the date of delivery of the product, and may be, for example, the date and month of delivery of the product. In addition, the delivery date may include the time when the product is delivered, or it may not be. The time may be “hour”, “hour / minute”, or “hour / minute / second”. The delivery information may include information other than that described above. For example, the purchase information of the product identified by the product identifier included in the delivery information may be included in the delivery information.

  The delivery information reception unit 11 may receive delivery information input from an input device (for example, a keyboard, a mouse, a touch panel, etc.), for example, and receives delivery information transmitted via a wired or wireless communication line. Alternatively, delivery information read from a predetermined recording medium (for example, a credit card magnetic stripe or an IC chip) may be received. In the present embodiment, the case where the delivery information receiving unit 11 receives delivery information transmitted from the terminal device 2 will be mainly described. In addition, the delivery information receiving unit 11 may or may not include a device (for example, a modem or a network card) for receiving. Further, the delivery information receiving unit 11 may be realized by hardware, or may be realized by software such as a driver that drives a predetermined device.

  When the delivery information receiving unit 11 receives the delivery information, the credit confirmation unit 12 performs a credit check on the credit card identified by the credit card identifier included in the delivery information. This credit check may be considered a credit card credit inquiry. For example, the credit confirmation unit 12 may confirm the credit regarding the purchase limit amount, confirm whether the credit card is stolen, or perform other credit confirmation. When performing credit confirmation regarding the purchase limit amount, the credit confirmation unit 12 uses the credit card subject to credit confirmation by purchasing the product identified by the product identifier included in the delivery information received by the delivery information receiving unit 11. When the limit amount is not exceeded, it may be determined that credit card payment is possible. Here, the credit card subject to credit confirmation is a credit card identified by a credit card identifier included in the delivery information received by the delivery information receiving unit 11. In addition, when the purchase price of the product is necessary for the credit check, the credit check unit 12 accesses, for example, information that associates the product identifier with the purchase price of the product identified by the product identifier, and delivers the product. A purchase price corresponding to the product identifier included in the information may be acquired. The information for associating the product identifier with the purchase price may be, for example, product rental information described below, or other information. Further, the credit confirmation unit 12 usually performs the credit confirmation by communicating with a server of a credit card company. The credit confirmation process is already known and will not be described in detail. Further, the credit confirmation unit 12 may or may not include a device for communication (for example, a modem or a network card). Further, the credit confirmation unit 12 may perform credit confirmation and instruct a credit card company server (not shown) to secure a credit frame.

  The credit confirmation result transmission unit 13 transmits the result of the credit confirmation by the credit confirmation unit 12 to the transmission source of the delivery information. The result of the credit check is information indicating whether or not the user can receive the product by credit card, that is, whether or not the credit card can be settled. The credit confirmation result transmitting unit 13 may transmit the result of the credit confirmation only when it is determined by the credit confirmation that the user cannot receive the delivery of the product. Only when it is determined that the delivery can be accepted, the result of the credit confirmation may be transmitted, or in both cases, the result of the respective credit confirmation may be transmitted.

  Note that the credit confirmation result transmission unit 13 may receive, for example, the address of the delivery information transmission source from the delivery information reception unit 11 and transmit the result of the credit confirmation using the received address as the transmission destination. Further, the credit confirmation result transmission unit 13 may or may not include a transmission device (for example, a modem or a network card) for performing transmission. Further, the credit confirmation result transmission unit 13 may be realized by hardware, or may be realized by software such as a driver that drives the transmission device.

  The accumulation unit 14 accumulates the delivery information received by the delivery information receiving unit 11 in the delivery information storage unit 15. The accumulating unit 14 may not accumulate the delivery information received by the delivery information accepting unit 11 when the credit confirmation unit 12 determines that the credit card payment is not possible. Here, “does not store delivery information” means that the delivery information is not stored as a result. For example, the delivery information may not be stored even once. Alternatively, after the delivery information is accumulated in the delivery information storage unit 15, the accumulated delivery information may be deleted.

  In the delivery information storage unit 15, delivery information received by the delivery information receiving unit 11 is stored. The delivery information is accumulated by the accumulation unit 14 as described above. Note that the storage in the delivery information storage unit 15 may be temporary storage in a RAM or the like, or may be long-term storage. The delivery information storage unit 15 can be realized by a predetermined recording medium (for example, a semiconductor memory, a magnetic disk, an optical disk, etc.).

  The determination unit 16 determines whether or not a predetermined period has elapsed from the delivery date included in the delivery information stored in the delivery information storage unit 15 by the storage unit 14. Note that the determination unit 16 may acquire the date and time at the time of determination from a calendar unit or a clock unit (not shown). In addition, the “predetermined period” may be the same for all the products, or may be different for each product or each product type. By this determination, it is determined that the product relating to the delivery information for which it is determined that a predetermined period has elapsed from the delivery date is purchased rather than rented. Further, the determination unit 16 may make the above determination only for the delivery information that has not been settled among the delivery information stored in the delivery information storage unit 15.

  The return information receiving unit 17 receives return information. This return information is accepted when the user returns the product. The return information is information including a delivery information identifier that identifies delivery information corresponding to the returned product. The delivery information corresponding to the returned product is delivery information received by the delivery information receiving unit 11 in response to delivery of the returned product. The delivery information identifier may be any information as long as the delivery information can be identified, and includes, for example, a credit card identifier for identifying the credit card of the user who returned the product and a product identifier for identifying the product. It may be a thing, or the identification code provided to delivery information may be sufficient. It is preferable that the return date corresponding to the return information can be acquired. The return date corresponding to the return information is the return date of the product identified by the product identifier included in the delivery information identified by the delivery information identifier included in the return information. The return date may be, for example, a return date indicating when the product is actually returned at a store or the like, or a return date indicating when the return information is received by the return information receiving unit 17. Also good. Usually, both are considered to have the same return date. Here, when the return date indicates the time when the product is actually returned at the store etc., the return date acquired at the store etc. is included in the return information, and the return date included in the return information is May be used. In addition, when the return date indicates the time when the return information is accepted, the credit card payment apparatus 1 acquires the time when the return information is accepted using a calendar unit or the like, and the acquired return date is May be used. In that case, the acquired return date may be stored in a recording medium (not shown) in association with the return information. In this embodiment, the case where the return date is included in the return information will be mainly described. Note that the return date only needs to include at least the date on which the product is returned, as with the delivery date, and may be, for example, the date and month on which the product is returned. Further, the return date may include the time when the merchandise is returned, or it may not be. The time may be “hour”, “hour / minute”, or “hour / minute / second”. The return information received by the return information receiving unit 17 may be stored in a recording medium (not shown).

  The return information receiving unit 17 may receive return information input from an input device (for example, a keyboard, a mouse, a touch panel, etc.), for example, and receive return information transmitted via a wired or wireless communication line. Alternatively, return information read from a predetermined recording medium (for example, a magnetic stripe of a credit card or an IC chip) may be received. In the present embodiment, the case where the return information receiving unit 17 receives the return information transmitted from the terminal device 2 will be mainly described. Further, the return information receiving unit 17 may or may not include a device (for example, a modem or a network card) for receiving. The return information receiving unit 17 may be realized by hardware, or may be realized by software such as a driver that drives a predetermined device.

  The merchandise rental information storage unit 18 stores one or more merchandise rental information. The product rental information is information used to determine the product identifier and the rental amount of the product identified by the product identifier. The rental amount information is information indicating that the rental amount increases as the product usage period increases. Information. The product rental information is information used for calculating the rental amount using the product identifier and the usage period. Therefore, the rental amount information may be, for example, information indicating the rental amount itself for each use period, or information indicating the ratio of the rental amount to the purchase amount of the product for each use period. In the latter case, the rental amount can be calculated by multiplying the purchase amount of the product by the ratio of the rental amount. In addition, the product rental information storage unit 18 may store an amount (sales amount or purchase amount viewed from the user) when the product is sold rather than rented. The amount of money may be automatically changed according to the usage status of the product and the elapsed time from the start of rental, or may be determined manually.

  The process for storing the product rental information in the product rental information storage unit 18 is not limited. For example, product rental information may be stored in the product rental information storage unit 18 via a recording medium, and product rental information transmitted via a communication line or the like is stored in the product rental information storage unit 18. Alternatively, the product rental information input via the input device may be stored in the product rental information storage unit 18. The storage in the merchandise rental information storage unit 18 may be temporary storage in RAM or the like, or may be long-term storage. The merchandise rental information storage unit 18 can be realized by a predetermined recording medium (for example, a semiconductor memory, a magnetic disk, an optical disk, etc.).

  The amount determination unit 19 responds to the usage period from the delivery date included in the delivery information identified by the delivery information identifier included in the return information received by the return information receiving unit 17 to the return date included in the return information. Determine the rental amount. The period of use is usually in units of days, weeks, months, and years, such as 1 day, 2 days, 1 week, 1 month, 1 year, etc. If included, it may be in units of time, such as 1 hour, 2 hours, etc. In the determination of the rental amount, the amount determination unit 19 includes rental amount information corresponding to the product identifier included in the delivery information identified by the delivery information identifier included in the return information received by the return information reception unit 17, and the usage period. May be used to determine the rental amount of the product identified by the product identifier included in the delivery information. Specifically, the money amount determination unit 19 starts from the delivery date included in the delivery information identified by the delivery information identifier included in the return information received by the return information reception unit 17 and returns to the return date included in the return information. Specify the period of use. In addition, the amount determining unit 19 specifies rental amount information corresponding to the product identifier included in the delivery information. Then, the amount determining unit 19 determines the rental amount corresponding to the specified usage period in the specified rental amount information. When the delivery information identifier has a credit card identifier included in the delivery information identified by the delivery information identifier and a product identifier contained in the delivery information, the delivery information identified by the delivery information identifier The product identifier included is the same as the product identifier included in the delivery information identifier. Therefore, in such a case, the money amount determination unit 19 may use the product identifier included in the delivery information identifier for identifying the delivery information as the product identifier included in the delivery information.

  The return product information receiving unit 20 receives return product information. The returned product information is information indicating that the returned product has a defect. That is, the return product information is information including a delivery information identifier for identifying delivery information corresponding to the returned product, and is information indicating that the returned product has a defect. If there is a defect in the returned product, the returned product is in a bad condition, such as when the returned umbrella is broken, and as a result, the returned product is handed over as used It is a situation where the amount of money when handing over as used goods becomes low. Further, the return product information may include information indicating the degree of defects. The information indicating the degree of wrinkles may be information such as 30% and 80% (information that increases the degree of wrinkles as the value increases), for example. The returned product information may or may not include information indicating what kind of defects were found in the returned product. The delivery information identifier included in the return product information may be any information as long as the delivery information can be identified. For example, the credit card identifier for identifying the credit card of the user who returned the product and the product are identified. It may include a product identifier, or may be an identification code given to delivery information. The delivery information identifier may be, for example, the delivery information identifier used when returning the product at the store where the product is returned, that is, the delivery information identifier acquired for inclusion in the return information. Specifically, after the return information is transmitted, the terminal device 2 stores the delivery information identifier included in the return information on a recording medium (not shown), and when the returned product has no defects. When the delivery information identifier is deleted and there is a defect in the returned product, return product information including the delivery information identifier may be transmitted to the credit card settlement apparatus 1.

  The return product information reception unit 20 may receive return product information input from an input device (for example, a keyboard, a mouse, a touch panel, etc.), for example, and return product information transmitted via a wired or wireless communication line. May be received, and return product information read from a predetermined recording medium (for example, a magnetic stripe of a credit card or an IC chip) may be received. In the present embodiment, the case where the return product information receiving unit 20 receives the return product information transmitted from the terminal device 2 will be mainly described. The return merchandise information receiving unit 20 may or may not include a device (for example, a modem or a network card) for receiving. The return merchandise information receiving unit 20 may be realized by hardware, or may be realized by software such as a driver that drives a predetermined device.

  The settlement unit 21 settles the rental amount determined by the amount determination unit 19 using the credit card identified by the credit card identifier included in the delivery information used in determining the rental amount. In addition, the settlement unit 21 determines the purchase price of the product identified by the product identifier included in the delivery information determined by the determination unit 16 that a predetermined period has elapsed from the delivery date, as the credit included in the delivery information. Settlement using the credit card identified by the card identifier. The purchase price may be included in the merchandise rental information, for example, or may be included in the delivery information. Further, the purchase amount may be considered as the upper limit rental amount, that is, the maximum rental amount. In addition, when the settlement unit 21 performs settlement for delivery information determined to have passed a predetermined period from the delivery date, the product is purchased and is not returned, and the delivery information is deleted. May be. The deletion may be performed by the storage unit 14, for example. Moreover, the payment part 21 may transmit a credit card identifier, the amount of money, merchandise information, and member store information to the server of a credit card company, when it pays using a credit card. Further, when a credit limit is secured in advance by the credit confirmation unit 12 to the server of the credit card company, the server determines the amount of the credit limit based on the data received from the settlement unit 21. It may be determined.

  Further, when the return product information receiving unit 20 receives the return product information, the settlement unit 21 may increase the rental amount corresponding to the return product information and perform the payment. This is because there was a defect in the returned product. The rental amount corresponding to the return product information refers to the rental that was settled using the credit card identified by the credit card identifier included in the return product information for the product identified by the product identifier included in the return product information It is an amount. The increase in the rental amount may be, for example, a fixed amount, an increase until the payment amount is the purchase amount, or other increase. In the case of a fixed amount, for example, it may be a fixed amount for all products, or a fixed amount for each product. Further, the settlement related to the increase according to the return product information may be performed together with the rental amount settlement or may be performed separately. For example, when the acceptance period for return product information is set, for example, if there is a defect in the returned product, the return product information must be entered within one day from the return date The settlement unit 21 can settle the two together by waiting for the acceptance period of the return merchandise information after the return information is accepted and performing the settlement. When both are settled separately, the settlement unit 21 settles separately the rental amount and the increase with respect to the rental amount. Further, when the return product information includes information indicating the degree of defects, the settlement unit 21 may perform the settlement so that the larger the degree of defects, the larger the increase. For example, when the degree of defects is 100%, the settlement amount is increased to the purchase amount, and the degree of defects is N% (where N is a real number such that 0 <N ≦ 100). In some cases, an increase in the amount obtained by multiplying the amount of increase in the case where the degree of wrinkles is 100% by N / 100 may be performed.

  The settlement method using the credit card by the settlement unit 21 is already known and will not be described in detail. As for the settlement method, for example, the settlement unit 21 transmits credit card information (for example, a credit card number) necessary for settlement and a settlement amount to a credit card company, a credit card settlement processing center, or the like. It may be.

  The payment amount transmitting unit 22 transmits the amount settled by the settlement unit 21 to the user of the credit card used for the settlement. The transmission may be performed for all payments, or may be performed only for a part of payments (for example, payment for return product information). In the latter case, the settlement amount transmission unit 22 may transmit, for example, the rental amount increased by the settlement unit 21 and settled to the user of the credit card used for the settlement. Note that there is no limitation on the method by which the payment amount transmission unit 22 acquires the address of the payment amount transmission destination. For example, the credit card identifier and the address of the user of the credit card identified by the credit card identifier are associated with each other and stored in a recording medium (not shown), and the settlement amount transmitting unit 22 uses the credit used for the settlement. The payment amount may be transmitted using the address of the user corresponding to the credit card identifier of the card as the transmission destination. The payment amount transmitting unit 22 may or may not include a transmission device (for example, a modem or a network card) for performing transmission. Further, the payment amount transmission unit 22 may be realized by hardware, or may be realized by software such as a driver that drives a transmission device.

  The delivery information storage unit 15 and the merchandise rental information storage unit 18 may be realized by the same recording medium or may be realized by separate recording media. In the former case, the area storing delivery information is the delivery information storage unit 15, and the area storing product rental information is the product rental information storage unit 18.

Next, the operation of the credit card settlement apparatus 1 will be described using the flowchart of FIG.
(Step S101) The delivery information receiving unit 11 determines whether delivery information has been received. And when delivery information is received, it progresses to step S102, and when that is not right, it progresses to step S105. As described above, in the present embodiment, the case where this reception is reception will be mainly described.

  (Step S <b> 102) The credit confirmation unit 12 performs credit confirmation for the credit card corresponding to the delivery information received by the delivery information receiving unit 11. As a result of the credit check, if the credit card payment is possible, the process proceeds to step S103, and if not, the process proceeds to step S104.

  (Step S <b> 103) The storage unit 14 stores the delivery information received by the delivery information receiving unit 11 in the delivery information storage unit 15.

  (Step S104) The credit confirmation result transmitting unit 13 transmits the result of the credit confirmation by the credit confirming unit 12 to the transmission source of the delivery information. Then, the process returns to step S101.

  (Step S105) The return information receiving unit 17 determines whether return information has been received. If the return information is accepted, the process proceeds to step S106, and if not, the process proceeds to step S109. As described above, in the present embodiment, the case where this reception is reception will be mainly described. The return information received by the return information receiving unit 17 may be stored in a recording medium (not shown).

  (Step S106) The amount determining unit 19 calculates the use period of the product using the delivery date included in the delivery information corresponding to the return information received by the return information receiving unit 17 and the return date included in the return information. To do. Further, the price determination unit 19 refers to the product rental information storage unit 18 to identify rental price information corresponding to the product identifier included in the delivery information, and uses the calculated rental price information to calculate the usage Get rental fee corresponding to the period.

  (Step S107) The settlement unit 21 uses the credit card identified by the credit card identifier included in the delivery information corresponding to the return information received by the return information receiving unit 17 to relate to the rental amount determined by the amount determining unit 19 Make a payment.

  (Step S108) The settlement amount transmitting unit 22 transmits the rental amount settled by the settlement unit 21 to the user of the credit card used for the settlement. Then, the process returns to step S101.

  (Step S109) The determination unit 16 determines whether it is time to make a determination. If it is time to make a determination, the process proceeds to step S110; otherwise, the process proceeds to step S111. Note that the determination unit 16 may determine that it is time to make a determination on a regular basis (for example, once a day, once a week, etc.) or according to the occurrence of a predetermined event. It may be determined that it is time to perform the operation.

  (Step S110) The determination unit 16 and the like perform processing such as determination regarding a delivery date included in the delivery information. Details of this processing will be described later with reference to the flowchart of FIG. Then, the process returns to step S101.

  (Step S111) The return product information receiving unit 20 determines whether return product information has been received. If the return merchandise information is accepted, the process proceeds to step S112. If not, the process returns to step S101. As described above, in the present embodiment, the case where this reception is reception will be mainly described. Further, the return product information received by the return product information receiving unit 20 may be stored in a recording medium (not shown).

  (Step S112) The settlement unit 21 performs settlement by increasing the rental amount corresponding to the return product information received by the return product information reception unit 20.

  (Step S113) The payment amount transmitting unit 22 transmits the increased amount of payment to the user of the credit card used for the payment. The amount may be an increase amount or a rental amount after the increase amount is added. Then, the process returns to step S101.

  Note that the flowchart of FIG. 3 shows the case where the payment amount is transmitted for each payment process, but this need not be the case. For example, after the return information is accepted and the payment according to the return product information is made, the payment amount regarding the rental amount and the increase amount may be transmitted, and after the return information is accepted And when the acceptance period of return merchandise information passes, you may transmit the payment amount regarding a rental amount. Further, in the flowchart of FIG. 3, the process is ended by powering off or interruption for aborting the process.

FIG. 4 is a flowchart showing details of the determination process (step S110) in the flowchart of FIG.
(Step S201) The determination unit 16 sets the count i to 1.

  (Step S <b> 202) The determination unit 16 determines whether or not a predetermined period has elapsed for the i-th delivery information stored in the delivery information storage unit 15 from the delivery date included in the delivery information. If the period has elapsed, the process proceeds to step S203. If not, the process proceeds to step S205.

  (Step S203) The settlement unit 21 performs settlement for the i-th delivery information. Specifically, the settlement unit 21 settles the purchase price of the product identified by the product identifier included in the i-th delivery information using the credit card identified by the credit card identifier included in the delivery information. To do.

  (Step S204) The settlement amount transmitting unit 22 transmits the purchase amount settled by the settlement unit 21 to the user of the credit card used for the settlement.

  (Step S205) The determination unit 16 increments the count i by 1.

(Step S206) The determination unit 16 determines whether or not the i-th delivery information is stored in the delivery information storage unit 15. If the i-th delivery information is stored, the process returns to step S202. If not, the process returns to the flowchart of FIG.
In the flowchart of FIG. 4, the delivery information that is subject to determination regarding the passage of time is delivery information that has not yet been settled according to the return information.

  Next, the operation of the credit card settlement apparatus 1 according to the present embodiment will be described using a specific example. In this specific example, it is assumed that the product rental information storage unit 18 stores the product rental information shown in FIG. The product rental information in FIG. 5 is information that associates a product identifier, a product name of the product identified by the product identifier, a purchase price of the product, and rental price information used in calculating the rental price of the product. is there. Rental amount information includes the rental amount corresponding to each of the usage period “1 day”, “2 days to 4 days”, “5 days to 9 days”, and “10 days or more” as a percentage of the purchase amount. It is shown. For example, in the case of the product “umbrella (new)” identified by the product identifier “G001”, if it is returned one day after delivery, the purchase amount “2000 yen” × the ratio “20%” = 400 yen becomes the rental amount. If the item is returned three days after delivery, the purchase amount “2000 yen” × the ratio “40%” = 800 yen becomes the rental amount. In addition, when the usage period is 10 days or more, the rental amount becomes equal to the purchase amount. That is, if the usage period is 10 days or more, it is considered that the purchase has been made.

In this specific example, it is assumed that the table shown in FIG. 6 is stored in a recording medium (not shown). In the table of FIG. 6, the credit card identifier, the user name, and the address are associated with each other. The credit card identifier is a credit card number. The user name is the name of the user who is the owner of the credit card identified by the credit card identifier. The address is the user's e-mail address. For example, the name of the user of the credit card identified by the credit card identifier “49 **-1234-5678-0001” is “AABB”, and the e-mail address of the user is “aabb @ abc ... com” Is.
In this specific example, it is assumed that it is determined whether or not a predetermined period has passed since the delivery date of the delivery information every day at 2 am.

  First, on June 15, 2012, a user with a user name “AABB” (hereinafter, this user may be referred to as “user AABB”. The same applies to other users) goes to the store A, Suppose that he wishes to deliver a new umbrella whose product identifier is “G001”. At that time, it is assumed that the user AABB presents a credit card, and the credit card identifier “49 **-1234-5678-0001”, which is the credit card number, is read by the terminal device 2 of the store A. Further, the terminal device 2 obtains the product identifier “G001” of the new umbrella from the barcode attached to the product, and the date “June 15, 2012” at that time is not shown in the calendar. Get from the department. Then, the terminal device 2 transmits delivery information including the credit card identifier, the product identifier, and the delivery date with the address of the credit card settlement device 1 as a transmission destination. Then, the delivery information is received by the delivery information receiving unit 11 of the credit card settlement apparatus 1 and delivered to the credit confirmation unit 12 and the storage unit 14 (step S101). In addition, the delivery information reception unit 11 passes the address of the delivery information transmission source to the credit confirmation result transmission unit 13. Upon receipt of the delivery information, the credit confirmation unit 12 accesses the product rental information storage unit 18 via a route (not shown) and searches for the product identifier “G001” included in the delivery information as a search key. Then, the credit confirmation unit 12 acquires the purchase amount “2000 yen” from the hit product rental information. Further, the credit confirmation unit 12 transmits the acquired purchase price and the credit card identifier included in the delivery information to a server (not shown) of the credit card company.

  When the server receives the credit card identifier, etc., whether or not the credit card identified by the credit card identifier can be purchased according to the purchase price, that is, the purchase limit is not exceeded. Judge whether. In this case, it is assumed that the usage limit is not exceeded. Then, a credit confirmation result indicating that credit card settlement is possible is transmitted to the credit card settlement apparatus 1 and received by the credit confirmation unit 12. Based on the received credit confirmation result, the credit confirmation unit 12 determines that credit card payment is possible (step S102), and passes the determination result to the credit confirmation result transmission unit 13 and the storage unit 14. Upon receipt of the determination result, the storage unit 14 stores the delivery information received from the delivery information receiving unit 11 in the delivery information storage unit 15 (step S103). Further, the credit confirmation result transmitting unit 13 transmits a credit confirmation result indicating that the credit card settlement is possible, using the address received from the delivery information receiving unit 11 as a transmission destination (step S104). The credit confirmation result is received by the terminal device 2 of the store A, and the fact that the credit card payment is possible is output as a result of the credit confirmation. In response to the output, a new umbrella is delivered to the user AABB at the store A.

  In another store, it is assumed that the user CCDD receives the same new umbrella (steps S101 to S104). As a result, it is assumed that the information stored in the delivery information storage unit 15 is as shown in the table of FIG. In the table of FIG. 7A, delivery information including a delivery date, a product identifier, and a credit card identifier, a return date, a settlement amount, a correction amount, and a correction reason are associated with each other. In FIG. 7A, since the product has only been delivered, the return date, settlement amount, correction amount, reason for correction, etc. are blank.

  Next, at 2:00 am on June 16, 2012, the determination unit 16 determines that it is time to make a determination (step S109), and delivery information that has not been settled, that is, the settlement amount is blank. For delivery information, it is determined whether a predetermined period has elapsed since the delivery date. For example, in the case of delivery information including the credit card identifier “49 **-1234-5678-0001” shown in FIG. 7A, the determination unit 16 sends the product rental information storage unit 18 via a route (not shown). And search for the product identifier “G001” included in the delivery information as a search key, and obtain the shortest period “10 days” when the rental amount is the same as the purchase amount (2000 yen) from the hit product rental information To do. This “10 days” is a predetermined period. In addition, the determination unit 16 obtains the current date “June 16, 2012” from a calendar unit (not shown), and subtracts the delivery date included in the delivery information to be determined from the current date. It is determined whether or not the number of days spent is equal to or longer than a predetermined period “10 days” (step S202). In this case, since it is not so, the payment regarding the delivery information is not performed. The determination unit 16 similarly determines whether or not a predetermined period has elapsed from the date of delivery for other delivery information that has not been settled, and makes a settlement or the like according to the judgment result. Is performed (steps S202 to S206).

  Thereafter, it is assumed that the user AABB goes to the store B with the delivered umbrella on June 17, 2012 and returns the umbrella. At that time, it is assumed that the user AABB presents a credit card, and the credit card identifier “49 **-1234-5678-0001”, which is the credit card number, is read by the terminal device 2 of the store B. Further, the terminal device 2 obtains the product identifier “G001” of the new umbrella from the barcode attached to the product, and the date “June 17, 2012” at that time is not shown in the calendar. Get from the department. Then, the terminal device 2 transmits return information including the credit card identifier, the product identifier, and the return date, with the address of the credit card settlement device 1 as a transmission destination. Here, the credit card identifier and the product identifier included in the return information are delivery information identifiers. Further, it is assumed that the terminal device 2 stores the credit card identifier and the product identifier in a recording medium (not shown) until the returned product is checked.

  The return information transmitted from the terminal device 2 is received by the return information receiving unit 17 of the credit card settlement apparatus 1 and passed to the amount determining unit 19 (step S105). When receiving the return information, the money amount determination unit 19 accesses the delivery information storage unit 15 and searches for the credit card identifier and the product identifier included in the return information using the search key. Then, the money amount determination unit 19 acquires the delivery date “June 15, 2012” from the delivered delivery information. Further, the money amount determination unit 19 also reads the return date “June 17, 2012” included in the received return information. Then, the usage period “2 days” is calculated by subtracting the delivery date from the return date. Further, the money amount determination unit 19 accesses the product rental information storage unit 18 and searches for the product identifier “G001” included in the received return information as a search key. Then, the money amount determination unit 19 specifies the ratio “40%” corresponding to the usage period “2 days”, the purchase amount “2000 yen”, and the product name “umbrella (new)” in the hit product rental information. . Then, the rental amount “800 yen” (= 2000 yen × 0.4) is calculated by multiplying the ratio and the purchase amount, and the rental amount, the product name “umbrella (new)”, and the return information are calculated. The included product identifier, credit card identifier, and return date are passed to the settlement unit 21 (step S106).

  When the settlement unit 21 receives the rental amount, etc., the settlement unit 21 searches the delivery information storage unit 15 using the product identifier and the credit card identifier as search keys, and adds the return date and the settlement amount as the rental amount to the hit record. To do. As a result, the table stored in the delivery information storage unit 15 is updated as shown in FIG. Further, the settlement unit 21 transmits the credit card identifier and the rental amount to the server of the credit card company (Step S107). At the time of transmission, the settlement unit 21 may transmit other information necessary for credit card settlement, for example, information for identifying the company of the credit card settlement apparatus 1, a user name, and the like. Further, the settlement unit 21 passes the credit card identifier, the rental amount, and the product name to the settlement amount transmission unit 22. Then, the settlement amount transmission unit 22 accesses the table shown in FIG. 6 and searches using the received credit card identifier as a search key. Then, the user name “AABB” and the address “aabb @ abc ... com” are read from the hit record, and an e-mail with the following text is transmitted using the address as the transmission destination (step S108). Note that the email may be generated using a template.

---- Email ----
AABB This time, the rental amount was settled as follows.
We have you use XXXXX convenience store again,
Thank you very much.
Product Name: Umbrella (New)
Settlement amount: 800 yen-
○○ ×× Convenience Store --------------

  Thereafter, when the umbrella returned by the user AABB is checked in the store B, it is assumed that the umbrella cloth has a hole. Then, the store clerk of the store B operates the terminal device 2 and transmits the return product information including the credit card identifier received at the time of return, the product identifier, and the fact that the product is damaged to the credit card settlement device 1. Enter the instruction to that effect. The credit card identifier and the product identifier are delivery information identifiers. In response to the instruction, the return merchandise information is transmitted from the terminal device 2 of the store B to the credit card settlement apparatus 1 and received by the return merchandise information receiving unit 20 of the credit card settlement apparatus 1 (step S111). Then, the return product information receiving unit 20 passes the received return product information to the settlement unit 21. Upon receipt of the return transmission information, the settlement unit 21 accesses the product rental information storage unit 18 and performs a search using the product identifier included in the returned product information as a search key. The first product rental in FIG. From the information, the purchase amount “2000 yen” and the product name “umbrella (new)” are read out. Further, the settlement unit 21 performs a search in the delivery information storage unit 15 using the product identifier and credit card identifier included in the returned product information as a search key. And the reason for correction “damage”. As a result, the table stored in the delivery information storage unit 15 is updated as shown in FIG. Further, the settlement unit 21 transmits the credit card identifier and the settlement amount “1200 yen” (= 2000 yen−800 yen) corresponding to the increment due to the correction to the server of the credit card company (step S112). At the time of transmission, the settlement unit 21 may transmit other information necessary for credit card settlement together. In addition, the settlement unit 21 passes the credit card identifier, the settlement amount corresponding to the increment, the correction reason, and the product name to the settlement amount transmission unit 22. Then, the settlement amount transmission unit 22 reads out the user name “AABB” and the address “aabb @ abc ... com” corresponding to the received credit card identifier, and uses the address as the transmission destination, Is sent (step S113). Note that the email may be generated using a template.

---- Email ----
AABB This time, payment was corrected as follows.
Thank you for using the convenience store.
Product Name: Umbrella (New)
Settlement amount (increased): 1200 yen Reason for correction: Product damage-
○○ ×× Convenience Store --------------

  Thereafter, when it is 2:00 am on June 25, 2012, the determination unit 16 determines that it is time to make a determination (step S109), and delivery information that has not been settled, that is, a delivery whose settlement amount is blank. For information, it is determined whether a predetermined period has elapsed since the delivery date. For example, in the case of delivery information including the credit card identifier “49 **-1234-5678-0002” shown in FIG. 7C, the determination unit 16 accesses the merchandise rental information storage unit 18 and described above. Similarly to the process, a predetermined period “10 days” corresponding to the product identifier “G001” included in the delivery information is acquired. Further, the determination unit 16 obtains the current date “June 25, 2012” from a calendar unit (not shown), and subtracts the delivery date included in the delivery information to be determined from the current date. It is determined whether the number of days “10 days” is equal to or longer than a predetermined period “10 days” (step S202). In this case, since it is ten days or more, the determination unit 16 passes to the settlement unit 21 that the settlement related to the delivery information is to be performed. Then, the settlement unit 21 refers to the product rental information shown in FIG. 5 and reads the purchase amount “2000 yen” and the product name “umbrella (new)” corresponding to the product identifier included in the delivery information. Further, the settlement unit 21 adds a settlement amount that is the purchase amount read to the delivery information. As a result, the table stored in the delivery information storage unit 15 is updated as shown in FIG. Further, the settlement unit 21 transmits the credit card identifier included in the delivery information and the settlement amount “2000 yen” to the credit card company server (step S203). At the time of transmission, the settlement unit 21 may transmit other information necessary for credit card settlement together. Further, the settlement unit 21 passes the credit card identifier, the settlement amount, and the product name to the settlement amount transmission unit 22. Then, the settlement amount transmission unit 22 reads the user name “CCDD” and the address “ccdd @ def ... com” corresponding to the received credit card identifier, and uses the address as the transmission destination, Is sent (step S204).

---- Email ----
CCDD This time, the purchase amount was settled as follows.
We have you use XXXXX convenience store again,
Thank you very much.
Product Name: Umbrella (New)
Settlement amount: 2000 yen-
○○ ×× Convenience Store --------------

  By performing such processing for each piece of delivery information that has not been settled, the same settlement as when purchased is performed for delivery information that has passed a predetermined period.

  In this specific example, the case where the delivery information identifier includes a credit card identifier and a product identifier has been described. However, as described above, this need not be the case. For example, an identification code for identifying delivery information corresponding to the delivery may be delivered to the user when the product is delivered. And a user may show the identification code at the time of return of goods. The delivery information identifier, which is the presented identification code, is included in the return information and transmitted to the credit card settlement apparatus 1. In that case, in the credit card settlement apparatus 1, the delivery information is associated with an identification code for identifying the delivery information, and the delivery information corresponding to the identification code included in the return information can be specified. It shall be. Then, delivery information corresponding to the identification code included in the accepted return information is specified, and the credit card identifier or the product identifier is read from the specified delivery information, whereby return information including the credit card identifier or the like is obtained. The same processing as when accepted is performed.

  As described above, according to the credit card settlement apparatus 1 according to the present embodiment, it becomes possible to perform billing according to the use period of the product by the user using the credit card. If the user does not return the product, it can be determined that the product has been purchased, and the purchase amount can be charged to the user. In that case, whether it is rental or purchase, the user can be charged in one settlement process, and the settlement process can be simplified. In addition, if there is a defect in the returned merchandise, it is possible to increase the rental amount according to the defect by accepting the return merchandise information transmitted from the terminal device 2 of the store. You will be able to deal with it. Note that the return product information need not be transmitted when the product is returned. For example, in the store, the return of the product is quickly received, and when there is time thereafter, You may be asked to check carefully if there is any. As a result, the cash register can be prevented from being mixed at the time of return, and the payment amount can be increased according to the defect of the returned product.

  In the present embodiment, the case where the credit card settlement apparatus 1 performs credit confirmation has been described, but this need not be the case. The credit card settlement apparatus 1 may not perform credit confirmation. In that case, the credit card settlement apparatus 1 may not include the credit confirmation unit 12 and the credit confirmation result transmission unit 13.

  In the present embodiment, the case where the payment amount transmitting unit 22 transmits all the payment amounts has been described, but this need not be the case. For example, the settlement amount transmission unit 22 may transmit the settlement amount only when the settlement unit 21 increases the rental amount in accordance with receipt of the return product information, or may otherwise transmit the settlement amount. The settlement amount may be transmitted. Moreover, the credit card payment apparatus 1 does not need to transmit the payment amount. In that case, the credit card settlement apparatus 1 may not include the settlement amount transmission unit 22.

  Moreover, although the case where the return product information receiving unit 20 receives return product information has been described in the present embodiment, this need not be the case. When the return product information is not received, the credit card settlement apparatus 1 may not include the return product information receiving unit 20.

  In the present embodiment, the case where the amount determining unit 19 determines the rental amount using the product rental information is described, but this need not be the case. For example, when the ratio of the rental amount to the purchase amount (this ratio is a ratio for each period of use) is the same for each product, the amount determination unit 19 uses the ratio and the purchase amount of the product. The rental amount may be determined. As such, when the rental amount is determined without using the product rental information, the credit card settlement apparatus 1 may not include the product rental information storage unit 18.

  Moreover, although the case where the determination by the determination unit 16 has been described in the present embodiment, this need not be the case. When the determination by the determination unit 16 is not performed, the credit card settlement apparatus 1 may not include the determination unit 16.

  Moreover, although the case where the credit card settlement apparatus 1 is a server in a server / client system has been mainly described in the above embodiment, the credit card settlement apparatus 1 may be a stand-alone apparatus.

  In the above embodiment, each process or each function may be realized by centralized processing by a single device or a single system, or may be distributedly processed by a plurality of devices or a plurality of systems. It may be realized by doing.

  In the above embodiment, the information exchange between the components is performed by one component when, for example, the two components that exchange the information are physically different from each other. It may be performed by outputting information and receiving information by the other component, or when two components that exchange information are physically the same, one component May be performed by moving from the phase of the process corresponding to to the phase of the process corresponding to the other component.

  In the above embodiment, information related to processing executed by each component, for example, information received, acquired, selected, generated, transmitted, or received by each component In addition, information such as threshold values, mathematical formulas, addresses, etc. used by each component in processing is retained temporarily or over a long period of time on a recording medium (not shown) even when not explicitly stated in the above description. It may be. Further, the storage of information in the recording medium (not shown) may be performed by each component or a storage unit (not shown). Further, reading of information from the recording medium (not shown) may be performed by each component or a reading unit (not shown).

  In the above embodiment, when information used by each component, for example, information such as a threshold value, an address, and various setting values used by each component may be changed by the user Even if it is not specified in the above description, the user may be able to change the information as appropriate, or it may not be. If the information can be changed by the user, the change is realized by, for example, a not-shown receiving unit that receives a change instruction from the user and a changing unit (not shown) that changes the information in accordance with the change instruction. May be. The change instruction received by the receiving unit (not shown) may be received from an input device, information received via a communication line, or information read from a predetermined recording medium, for example. .

  In the above embodiment, when two or more components included in the credit card settlement apparatus 1 have a communication device, an input device, etc., the two or more components have a physically single device. Or may have separate devices.

  In the above embodiment, each component may be configured by dedicated hardware, or a component that can be realized by software may be realized by executing a program. For example, each component can be realized by a program execution unit such as a CPU reading and executing a software program recorded on a recording medium such as a hard disk or a semiconductor memory. At the time of execution, the program execution unit may execute the program while accessing the storage unit or the recording medium. In addition, the software which implement | achieves the credit card payment apparatus 1 in the said embodiment is the following programs. In other words, the program includes a delivery information receiving unit that receives delivery information including a credit card identifier that identifies a user's credit card that receives delivery of a product, a product identifier that identifies the product, and a delivery date of the product. A storage unit for storing the delivery information received by the delivery information receiving unit, a return information receiving unit for receiving return information including a delivery information identifier for identifying delivery information corresponding to the returned product, and a return information received by the return information receiving unit Amount determining unit that determines the rental amount according to the period of use from the delivery date included in the delivery information identified by the delivery information identifier included in to the return date corresponding to the return information, the rental amount determined by the amount determining unit The credit card identified by the credit card identifier included in the delivery information used in determining the rental amount. Is a program to function as a settlement unit that settlement have.

  In the program, the functions realized by the program do not include functions that can be realized only by hardware. For example, functions that can be realized only by hardware such as a modem and an interface card in a reception unit that receives information and a transmission unit that transmits information are not included in at least the functions realized by the program.

  Further, this program may be executed by being downloaded from a server or the like, and a program recorded on a predetermined recording medium (for example, an optical disk such as a CD-ROM, a magnetic disk, a semiconductor memory, or the like) is read out. May be executed by Further, this program may be used as a program constituting a program product.

  Further, the computer that executes this program may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.

  FIG. 8 is a schematic diagram showing an example of the appearance of a computer that executes the program and realizes the credit card settlement apparatus 1 according to the embodiment. The above-described embodiment can be realized by computer hardware and a computer program executed on the computer hardware.

  8, a computer system 900 includes a computer 901 including a CD-ROM (Compact Disk Read Only Memory) drive 905 and an FD (Floppy (registered trademark) Disk) drive 906, a keyboard 902, a mouse 903, a monitor 904, and the like. Is provided.

  FIG. 9 is a diagram showing an internal configuration of the computer system 900. In FIG. 9, in addition to the CD-ROM drive 905 and the FD drive 906, a computer 901 is connected to an MPU (Micro Processing Unit) 911, a ROM 912 for storing a program such as a bootup program, and the MPU 911. A RAM (Random Access Memory) 913 that temporarily stores program instructions and provides a temporary storage space, a hard disk 914 that stores application programs, system programs, and data, and an MPU 911 and a ROM 912 are interconnected. And a bus 915. The computer 901 may include a network card (not shown) that provides connection to a LAN, WAN, or the like.

  A program for causing the computer system 900 to execute the function of the credit card settlement apparatus 1 according to the above-described embodiment is stored in the CD-ROM 921 or the FD 922, inserted into the CD-ROM drive 905 or the FD drive 906, and the hard disk 914. May be forwarded to. Instead, the program may be transmitted to the computer 901 via a network (not shown) and stored in the hard disk 914. The program is loaded into the RAM 913 when executed. The program may be loaded directly from the CD-ROM 921, the FD 922, or the network.

  The program does not necessarily include an operating system (OS) or a third-party program that causes the computer 901 to execute the functions of the credit card settlement apparatus 1 according to the above embodiment. The program may include only a part of an instruction that calls an appropriate function (module) in a controlled manner and obtains a desired result. How the computer system 900 operates is well known and will not be described in detail.

  Further, the present invention is not limited to the above-described embodiment, and various modifications are possible, and it goes without saying that these are also included in the scope of the present invention.

  As described above, according to the credit card settlement apparatus or the like according to the present invention, it is possible to perform billing according to the use period of the product in one settlement process. For example, billing according to the rental of the product It is useful as an apparatus for performing the above.

DESCRIPTION OF SYMBOLS 1 Credit card payment apparatus 2 Terminal apparatus 11 Delivery information reception part 12 Credit confirmation part 13 Credit confirmation result transmission part 14 Accumulation part 15 Delivery information storage part 16 Judgment part 17 Return information reception part 18 Merchandise rental information storage part 19 Amount determination part 20 Return product information reception part 21 Settlement part 22 Settlement amount sending part

Claims (10)

A delivery information receiving unit for receiving delivery information including a credit card identifier for identifying a credit card of a user who receives delivery of the product, a product identifier for identifying the product, and a delivery date of the product;
A storage unit for storing the delivery information received by the delivery information receiving unit;
A return information receiving unit for receiving return information including a delivery information identifier for identifying delivery information corresponding to the returned product;
Amount for determining the rental amount according to the period of use from the delivery date included in the delivery information identified by the delivery information identifier included in the return information received by the return information receiving unit to the return date corresponding to the return information A decision unit;
A settlement unit that settles the rental amount determined by the amount determination unit using a credit card identified by a credit card identifier included in the delivery information used in determining the rental amount. A determination unit for determining whether a predetermined period has elapsed from a delivery date included in the delivery information accumulated by the accumulation unit;
The settlement unit uses the credit card identifier included in the delivery information to indicate the purchase amount of the product identified by the product identifier included in the delivery information determined by the determination unit that a predetermined period has elapsed from the delivery date. The credit card settlement apparatus according to claim 1, wherein settlement is performed using a credit card identified by. A product having a product identifier and rental amount information that is information used to determine the rental amount of the product identified by the product identifier and indicates that the rental amount increases as the usage period of the product increases. A product rental information storage unit for storing rental information is further provided,
The amount determination unit determines rental amount of a product identified by the product identifier using rental amount information corresponding to a product identifier included in the delivery information and the usage period. Item 3. A credit card settlement apparatus according to item 2. A return product information receiving unit that receives return product information that is information including a delivery information identifier for identifying delivery information corresponding to the returned product, and that indicates that the returned product has defects,
The credit according to any one of claims 1 to 3, wherein, when the return product information receiving unit receives the return product information, the settlement unit increases the rental amount corresponding to the return product information and performs payment. Card payment device. The credit card settlement apparatus according to claim 4, further comprising a settlement amount transmission unit that transmits a rental amount increased by the settlement unit to a credit card user used in the settlement. The delivery information receiving unit is for receiving delivery information;
The return information receiving unit is for receiving return information,
A credit confirmation unit that performs credit confirmation on the credit card identified by the credit card identifier included in the delivery information when the delivery information reception unit receives the delivery information;
A credit confirmation result transmission unit that transmits a result of credit confirmation by the credit confirmation unit to a transmission information transmission source, and
6. The credit card settlement apparatus according to claim 1, wherein the accumulation unit does not accumulate the delivery information when it is determined by the credit confirmation unit that credit card settlement is not possible. 6. The credit confirmation unit determines that credit card payment is possible when the purchase limit of the credit card subject to credit confirmation does not exceed the purchase limit of the product identified by the product identifier included in the delivery information. The credit card payment apparatus according to claim 6. The credit card settlement apparatus according to any one of claims 1 to 7, wherein the delivery information identifier includes a credit card identifier for identifying a credit card of a user who has returned the product, and a product identifier for identifying the product. A credit card payment method processed using a delivery information reception unit, an accumulation unit, a return information reception unit, an amount determination unit, and a payment unit,
A delivery information receiving step for receiving delivery information including a credit card identifier for identifying a credit card of a user who receives delivery of the product, a product identifier for identifying the product, and a delivery date of the product; ,
An accumulation step in which the accumulation unit accumulates the delivery information received in the delivery information reception step;
A return information receiving step for receiving return information including a delivery information identifier for identifying the delivery information corresponding to the returned product by the return information receiving unit;
According to the usage period from the delivery date included in the delivery information identified by the delivery information identifier included in the return information received by the return information receiving step to the return date corresponding to the return information. An amount determination step for determining the rental amount;
A settlement step in which the settlement unit settles the rental amount determined in the amount determination step by using a credit card identified by a credit card identifier included in the delivery information used in the determination of the rental amount. Credit card payment method. Computer
A delivery information receiving unit for receiving delivery information including a credit card identifier for identifying a credit card of a user who receives delivery of the product, a product identifier for identifying the product, and a delivery date of the product;
A storage unit for storing the delivery information received by the delivery information receiving unit;
A return information receiving unit for receiving return information including a delivery information identifier for identifying delivery information corresponding to the returned product;
Amount for determining the rental amount according to the period of use from the delivery date included in the delivery information identified by the delivery information identifier included in the return information received by the return information receiving unit to the return date corresponding to the return information Decision part,
A program for causing a rental amount determined by the amount determining unit to function as a settlement unit that uses a credit card identified by a credit card identifier included in delivery information used in determining the rental amount.

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