JP2018180984A - Settlement management device, settlement system, settlement management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement management device capable of performing an accounting treatment (fund settlement) similar to settlement using cash or a credit card in accordance with a closing process even in the settlement by an electronic cash.SOLUTION: A settlement management device settlement includes: a reception unit that receives an instruction of a closing operation from a terminal; an adjustment management unit that divides settlement data transmitted from the settlement terminal into the settlement data that performed the settlement until a closing time on the basis of the closing operation and the settlement data that performed the settlement in a predetermined period from a time based on the closing operation; and a transmission unit that transmits the settlement data according to the group.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a payment management apparatus, a payment system, and a payment management method.

Conventionally, when performing accounting processing in a store, the store may use a POS terminal used as a cash register for POS (point-of-sale) or a settlement terminal for performing settlement by electronic money. . When using the electronic money payment service, the store needs to be affiliated with the electronic money payment service provided by the electronic money business. In order to join this service, a store can be a member store by entering a member store contract with an electronic money business through an acquirer.
Then, when the settlement by the electronic money is performed in the store, the information on the settlement by the electronic money is notified to the electronic money business as a settlement log. With regard to electronic money settlement, between the electronic money business and the acquirer, the fund settlement is delivered every predetermined period based on the settlement log, and thereafter, the fund based on the settlement log between the acquirer and the member store Settlement is delivered. As a result, funds are settled between the member store, the electronic money business and the acquirer.

On the other hand, at a store, for example, on a predetermined closing day every month, the person in charge performs closing processing for each POS terminal. The closing process is, for example, an accounting process for managing sales etc. on a predetermined closing day. At a member store, the store manager of each store performs a closing process by performing operation input regarding closing for each POS terminal in a specific time zone of the closing date of the month.
For example, some POS terminals can cope with both cash payment and electronic money payment (for example, Patent Document 1).

Unexamined-Japanese-Patent No. 2015-121997

However, as the closing process of a member store, accounting is performed according to the closing operation performed on a POS terminal basis. Cash and credits can be accounted for at the closing time of the POS terminal, but for electronic money, the unit of cash settlement is determined by the electronic money business operator instead of the timing of closing the POS terminal. Timing (in days). Therefore, the settlement timing differs between cash and credit settlement and electronic money settlement, so the accounting process based on the closing process for electronic money settlement is different from cash and credit card settlement. It must be done in
Furthermore, at a member store that introduces electronic money payment service, with regard to the above-mentioned fund settlement, since the funds are settled with the acquirer according to the timing determined by the electronic money business operator, the timing of this funds settlement is It is different from the closing time of the POS terminal. Therefore, the accounting process based on the closing process and the accounting process based on the funds settlement become different timings, and it is not possible to settle the funds from the acquirer to the member store in time to the closing operation time. In such a case, at the member store, in the accounting process based on the closing process, it takes time and effort to perform another accounting process such as performing a receivables process.

  The present invention has been made in view of such circumstances, and the purpose thereof is that, even in the case of settlement by electronic money, accounting similar to settlement using cash or a credit card according to the closing process of the POS terminal. A settlement management apparatus capable of processing (fund settlement), a settlement system, and a settlement management method are provided.

  In order to solve the problems described above, according to the present invention, a receiver for receiving an instruction for closing operation from a settlement terminal, and settlement data of settlement data transmitted from the settlement terminal are settled by a closing time based on the closing operation. It has a settlement management unit that divides the settlement data and the settlement data settled in a predetermined period from the time based on the closing operation into different groups, and a transmission unit that transmits the settlement data according to the group.

  Further, the present invention is a settlement system in which a settlement terminal, a settlement management device, and an acquirer terminal are communicably connected, and the settlement terminal transmits closing information to transmit closing operation information based on a closing operation instruction. A settlement unit having a unit, the settlement management device receiving the closing operation information from the settlement terminal, and the settlement data of the settlement data transmitted from the settlement terminal being settled by the closing time based on the closing operation The acquirer has a settlement management unit that divides data and settlement data settled in a predetermined period from a time based on the closing operation information into different groups, and a transmission unit that transmits settlement data according to the group, The customer terminal is a settlement system having a settlement data receiving unit for receiving the settlement data for each group.

  Further, in the present invention, the receiving unit receives an instruction of closing operation from the settlement terminal, and the settlement management unit is settled by the closing time based on the closing operation among the settlement data transmitted from the settlement terminal. It is a settlement management method which divides the settlement data and the settlement data settled in a predetermined period from the time based on the closing operation into different groups, and transmits the settlement data according to the transmitting unit and the group.

  As described above, according to the present invention, even in the case of settlement by electronic money, accounting (funds settlement) is performed in the same manner as settlement using cash or a credit card in accordance with closing of the POS terminal. Can.

It is a schematic block diagram showing composition of settlement system 1 in one embodiment of this invention. FIG. 2 is a block diagram showing a functional configuration of the settlement server 10 in the settlement system 1. It is a figure which shows an example of the table of the shop information memorize | stored in the memory | storage part 101 of the payment server 10 of the payment system 1. As shown in FIG. It is a figure which shows an example of the table of the payment information memorize | stored in the memory | storage part 101 of the payment server 10 of the payment system 1. As shown in FIG. FIG. 6 is a sequence diagram for explaining the operation of the payment system 1; 5 is a flowchart illustrating an operation of the payment server 10. It is a figure which shows an example of the payment information transmitted to the acquirer server 17. FIG. It is a sequence diagram explaining operation | movement of the payment system 1 in 2nd Embodiment.

Hereinafter, a payment system according to an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a schematic block diagram showing the configuration of a payment system 1 according to an embodiment of the present invention.
[Configuration of payment system]
FIG. 1 is a schematic block diagram showing the configuration of a payment system 1 according to a first embodiment of the present invention. In the settlement system 1 shown in the figure, the settlement module 15 (15A1, 15A2, ...) to which the POS server 16 (16A1, 16A2, ... 16An, 16B1, ... 16Bn) is connected to the settlement server 10, respectively. .. 15An, 15B1,... 15Bn), the acquirer server 17, and the electronic money business server 30 (30a, 30b) are communicably connected by a communication network. The communication network is configured by the Internet 40 and intranets 50 (50A, 50B) which are provided for each of the stores 20 (20A, 20B) and are communicatively connected to the Internet 40. A payment server 10, an acquirer server 17, and at least one electronic money business server 30 are communicably connected to the Internet 40. Further, at least one payment module 15 installed in the store 20 in which the intranet 50 is laid is communicatively connected to the intranet 50.

The settlement server 10 receives a request for settlement from the settlement module 15 and performs settlement processing. Further, the settlement server 10 generates settlement information indicating the settlement made and stores it as settlement log data, and periodically transmits the settlement log data to the electronic money business server 30 (for example, 1 to 1 (one day n is a natural number of 2 or more).
The settlement server 10 is configured to include a server device, for example, a general-purpose computer or a personal computer.

  The settlement module 15 is a terminal that accepts the settlement of the fee paid by the user for the use of the POS terminal 16. For example, the settlement medium (for example, an IC card capable of using the electronic money settlement service) is brought close to the settlement medium RW (reader / writer) device provided in the settlement module 15 to make the settlement medium to the settlement medium. The settlement medium identification information for identifying the settlement medium is transmitted to the RW device, whereby the settlement is accepted.

  The payment module 15 is configured to include a card reader, for example, a contactless IC card reader or the like. Further, the settlement medium is a medium that can use an electronic money settlement service, and a settlement card, for example, a noncontact IC card or a portable terminal (PDA) incorporating a noncontact IC card function, For example, a smartphone, a mobile phone, or the like can be used. For example, a traffic IC card or a distribution IC card can be used as the non-contact IC card.

The POS terminal 16 is a terminal device that performs settlement or the like according to the charge paid by the user by the settlement module 15. The POS terminal 16 can perform processing linked to the electronic money payment service by cooperating with the payment module 15 connected to the outside. Here, a POS terminal is described as an example of an apparatus connected to the payment module 15. However, if it has a function of performing electronic money payment by an electronic money payment service, a vending machine other than the POS terminal It may be an automatic ticket vending machine, a coin locker checkout machine, a coin laundry checkout machine, or a checkout machine in a bicycle parking lot or a parking lot.
Further, although the settlement module 15 and the POS terminal 16 are configured as separate devices, they may be configured as one device.

  The acquirer server 17 is a server device provided for each acquirer. The acquirer server 17 is communicably connected to the settlement server 10, the electronic money business server 30, and the POS terminal 16 of the store to which the acquirer has a contract as a member store, and is performed in the POS terminal 16 of the store Carry out cash settlement processing for electronic money settlement.

The store 20 is a store (facility) in which the settlement module 15 and the POS terminal 16 are installed. The store 20 is, for example, a retail store, a bicycle parking lot, a parking lot or the like. Here, the store 20 is not limited to a building for sale of goods or provision of services, and may be a facility capable of at least sale of goods or provision of services. For example, the facility may be a complex commercial facility or a theme park in which a plurality of stores are accommodated.
Note that the “facility” mentioned here may be a facility that is controlled by each corporation, a facility that is controlled by each branch of each area, or a facility that is controlled by each building, The unit of control of the facility and the scale of the facility are optional.

  The electronic money business server 30 acquires settlement information transmitted from the settlement server 10 periodically (for example, once to n times a day). The electronic money business server 30 is a server device managed by a company that operates each brand (payment service). The brand is, for example, a prepaid electronic money brand operated by a distribution company or a railway company, or a prepaid electronic money brand dedicated to Internet payment.

  Here, in the settlement module 15 installed in the same store 20, the settleable brand may be one or more.

[Configuration of payment server]
Next, the functional configuration of the settlement server 10 will be described with reference to the drawings.
FIG. 2 is a block diagram showing the functional configuration of the settlement server 10 in the settlement system 1 according to the first embodiment of the present invention. The settlement server 10 shown in the figure is configured to include a storage unit 101, a settlement management unit 102, and a communication unit 103.
The settlement server 10 may be configured of one server device or may be a server configured on a cloud.

The storage unit 101 stores store information and payment information.
The store information is, for each store 20 (facility) provided with at least one settlement module 15 connected to the POS terminal 16, identification information (POS terminal ID) of the POS terminal 16 installed in the shop, the settlement module 15 The settlement module ID for identifying the information and the shop ID for identifying the shop 20 are information associated with each other.
Further, the settlement information is information in which settlement data, which is information on settlement performed in the settlement module 15, is associated with a settlement module ID for identifying the settlement module 15 which has made the settlement.

  The storage unit 101 is a storage medium, for example, a hard disk drive (HDD), a flash memory, an EEPROM (Electrically Erasable Programmable Read Only Memory; EEPROM), and a random access read / write memory (RAM). Or ROM (Read Only Memory), or any combination of these storage media.

Among the settlement data transmitted from the settlement module 15, the settlement management unit 102 differs between the settlement data settled by the closing time based on the closing operation and the settlement data settled in a predetermined period from the time based on the closing operation. It has a function to divide into groups.
The closing operation is performed, for example, by pressing a predetermined button or performing a predetermined operation on the POS terminal by an operator such as a store manager or a store clerk in the store 20, and the operation input is performed, and the closing operation information is POS It is transmitted from the terminal 16 to the settlement server 10 via the settlement module 15. The predetermined time based on the closing operation may be the time when the closing operation was performed (the time determined in the POS terminal 16), or the settlement server 10 may measure the time when the closing operation information is received. It may be the time when the tightening operation was performed.
The predetermined period from the time based on the tightening operation is, for example, the period (time zone) after the tightening operation is performed among the closing days, for example, the time when the tightening operation is performed is 17:30:00. If there is, it is a period from 17:30:00 onward and until 23:59:59 on the closing date.

The settlement management unit 102 separates the settlement data settled up to the closing time based on the closing operation and the settlement data settled over a predetermined period from the time based on the closing operation into different groups, for example, based on the closing operation based on the closing operation. The settlement management information which gives different closing dates is added to the settlement data settled up to the time and the settlement data settled for a predetermined period from the time based on the closing operation. More specifically, in the settlement data settled by the closing time based on the closing operation, the settlement management information representing the closing date (for example, in the case of March 31st, it is March 31 The settlement data that is given a date and time that can be grasped, and that has been settled for a predetermined period from the time based on the closing operation, represents settlement data (for example, settlement data to be closed at the next closing day of that closing day) If the closing date is March 31, then any date between April 1 or April 1 and April 30) is given.
In addition, grouping is a state in which payment data settled by the closing time based on the closing operation and settlement data settled in a predetermined period from the time based on the closing operation can be identified as separate data groups (for example, Alternatively, different log data groups may be stored separately, or may be transmitted to the acquirer server 17 at different timings.

  The settlement management unit 102 includes, for example, a central processing unit (CPU).

The communication unit 103 is a communication interface that communicates with the Internet 40.
The communication unit 103 has a function of receiving an instruction for closing operation from the settlement module 15 and a function of transmitting settlement data according to a group to the POS terminal 16.

[Composition of facility information]
Next, the configuration of the aforementioned store information will be described with reference to the drawings.
FIG. 3 is a diagram showing an example of a table of shop information stored in the storage unit 101 of the settlement server 10 of the settlement system 1 according to the first embodiment of the present invention.
The store information is composed of a table shown in FIG. 3 (A) and a table shown in FIG. 3 (B).
The table shown in FIG. 3A includes a POS terminal ID for identifying the POS terminal 16, a payment module ID for identifying the payment module 15 connected to the POS terminal 16, and the POS terminal 16 and the payment module 15 It is the data with which store ID which identifies the store provided is matched. With this data, it is possible to identify in which store the settlement module 15 and the POS terminal 16 are provided, and to identify which settlement module 15 the POS terminal 16 is connected to. It has become.
The table shown in FIG. 3B is data in which a shop ID is associated with an acquirer ID for identifying an acquirer who has made a member shop contract when the shop joins the electronic money settlement service. . These data are stored in advance.

[Composition of payment information]
Next, the configuration of the above-described payment information will be described with reference to the drawings.
FIG. 4 is a view showing an example of a table of payment information stored in the storage unit 101 of the payment server 10 of the payment system 1 according to the first embodiment of the present invention.

The payment information is configured by the table shown in FIG. The table shown in FIG. 4 is data in which payment terminal IDs are associated with payment data. The settlement data includes data indicating a settlement amount, settlement date, settlement management information, medium type, and medium ID.
The settlement amount represents the amount when electronic money is settled. The settlement date and time indicate the date and time when the settlement by electronic money was performed. The production management information is information provided by the above-described settlement management unit 102. The medium type is information for specifying a medium (such as an IC card, a smart phone, a PDA, etc.) for which payment by electronic money has been made. The medium ID is identification information that identifies the medium on which the settlement with electronic money has been made.

Next, the operation of the above-described settlement system 1 will be described. FIG. 5 is a sequence diagram for explaining the operation of the settlement system 1.
When settlement with electronic money is performed in response to purchase of a product (or use of a service) by a customer at a store, the POS terminal 16 registers the product and its amount as a payment target, and enters the payment module 15 A settlement instruction is issued (step S101). After receiving the instruction for settlement, when the medium for settlement by electronic money, such as an IC card, is brought close to a predetermined distance, the settlement module 15 performs settlement processing and transmits settlement information to the settlement server 10. The payment information transmitted here includes the payment module ID of the payment module 15, the payment amount, the payment date and time which is the date and time of payment, the medium type, and the medium ID. The settlement amount is the amount received from the POS terminal 16, the settlement date and time is the time based on the clock function provided inside itself, and when the medium type and the medium ID communicate with the approached medium Information obtained from the medium.

When the settlement server 10 receives the settlement information from the settlement module 15 through the communication unit 103, the settlement server 10 determines whether the settlement by the settlement module 15 is a legitimate settlement, and executes the settlement process if the settlement is a legitimate settlement. By storing the received payment information in the storage unit 101, a payment log is created (step S103). When the settlement process is completed, the settlement server 10 transmits a settlement result indicating that the settlement process has been correctly performed to the settlement module 15 (step S104).
When the settlement module 15 receives the settlement result from the settlement server 10, it transmits the settlement result to the POS terminal 16 connected to itself (step S105). Upon receiving the settlement result from the settlement module 15 (step S106), the POS terminal 16 outputs the completion of the settlement process correctly by sound or screen based on the settlement result and registers it as POS data. As a result, the clerk can recognize that the electronic money payment has ended properly.

  The above-described processing from step S101 to step S106 is performed each time settlement with electronic money is performed in the POS terminal 16.

On the other hand, the settlement server 10 transmits the settlement log generated in step S103 to the electronic money business server 30 (step S107). The settlement server 10 identifies a brand based on the medium type included in the settlement information, and transmits a settlement log to the electronic money business server 30 corresponding to the identified brand. This payment log may be sent once together with the payment log generated on that day, or may be sent together every time a predetermined time interval arrives during the day. May be transmitted.
The electronic money business server 30 receives the settlement log transmitted from the settlement server 10, and stores it in a storage device provided in itself.

When a predetermined closing time arrives at a predetermined closing date, a person in charge at the store performs a closing operation input to the POS terminal 16 (step S201). Based on this operation, the POS terminal 16 starts and executes a program for executing a process related to a predetermined closing based on the result of payment by cash and credit card.
Further, when the closing operation input is made, the POS terminal 16 transmits closing operation information to the settlement module 15. When this closing information is received, the settlement module 15 transmits closing information including the settlement module ID of the settlement module 15 of itself and the closing operation information to the settlement server 10 (step S202).

  When the settlement server 10 receives the closing information (step S203), the settlement server 10 acquires the time based on the time of reception using the clock function provided in itself, and stores the closing time and the settlement module ID It stores in 101 (step S204). Then, when a predetermined time (for example, 24 o'clock) of the day when the closing information is received comes, the settlement management unit 102 of the settlement server 10 transmits the settlement information stored in the storage unit 101 according to the closing time. Settlement information is determined (step S205). Here, the settlement management unit 102 assigns the settlement date and time as the settlement management information (for example, as a header) to the settlement information from the first day of the current month (for example, March) to the closing time received this time. The date and time indicating the first business day (for example, April 1) of the next month (for example, April) is added (for example, added as a header) to the payment information until the time of arrival of the time of. Then, the settlement management unit 102 transmits the settlement information from the first day of the current month (for example, March) to the closing time received this time to the acquirer server 17 together with the settlement management information (step S206). The transmission of the settlement information to the acquirer server 17 can be determined in advance as the settlement information transmission timing, and may be performed once a day, or may be performed a plurality of times a day. It may be transmitted each time it is done.

Here, the settlement information to which the settlement management information of the date and time indicating the first business day (for example, April 1) of the next month (for example, April) is attached is the closing time received this time from the first day of the current month (for example, March) The payment information may be sent together at the same time as sending payment information, or at the next timing of sending payment information from the first day of the current month (for example, March) to the closing time received this time, acquirer server 17 It may be sent to the
Further, the transmission of the settlement information to which the settlement management information is added is performed for each POS terminal 16.

  When the acquirer server 17 receives the settlement information to which the settlement management information is added from the settlement server 10, the acquirer server 17 stores the information in its own storage device (step S207).

  Next, among the payment information stored in the storage device of the electronic money business server 30, the electronic money business server 30 stores the information for each shop belonging to the acquirer server 17 to be transmitted, for example, 1 o'clock 0 o'clock in the present month (for example, March). Money settlement information is generated by totaling the settlement information from 0:00 to 23:59:59 on the last day of the month, and transmitted to the acquirer server 17 (step S208).

  The acquirer server 17 calculates the payment amount to be paid to the member store in that month by totaling the payment information of each POS terminal 16 for each store based on the payment information received in step S207 (step S209). ). Here, the payment amount is the date on which the closing operation of the store is performed from the first day of the current month and the settlement information to which the settlement management information included is included from the time when the closing operation is performed is targeted. Since the payment amount calculated here and the amount of the payment information received from the electronic money business server 30 are different in the period to be calculated, the amount is different, but the difference is temporarily the payment timing for the next month. By storing it until the payment amount in the next month, the payment information is consistent with the payment information when viewed as a whole (in units of several months). That is, the settlement information of the settlement performed from 23:59:59 on that day from the time when the closing operation is performed is the target of payment for the next month, and the payment timing is different, but as a result, it is paid to the store It will be.

Next, the acquirer server 17 sends each POS terminal 16 information for notifying the payment amount for each POS terminal 16 calculated for payment information from the 1st of the current month (for example, March) to the closing time of the end of the month. (Step S210), and executes a predetermined payment process based on the payment amount for that POS terminal 16.
The POS terminal 16 receives the notification of the payment amount received from the acquirer server 17 (step S211). Thereby, the POS terminal 16 can perform the closing process on the settlement made by the electronic money in the current month (for example, March).

FIG. 6 is a flowchart for explaining the operation of the payment server 10. Here, another embodiment of the process particularly from step S203 to step S206 in FIG. 5 will be described.
The settlement management unit 102 of the settlement server 10 determines whether or not the settlement information transmission timing for the acquirer server 17 has come (step S10), and when the settlement information transmission timing has come, the process proceeds to step S11. (Step S10-YES). Here, the transmission of the settlement information to the acquirer server 17 may be determined in advance as the settlement information transmission timing which is determined once a day, or each time a predetermined time arrives a plurality of times per day. The payment information transmission timing may be determined in advance so as to be transmitted.

  In step S11, the settlement management unit 102 targets settlement information to which settlement management information has not been added yet among the settlement information stored in the storage unit 101, and gives settlement management information to be a target of closing in the current month ( Step S11). For example, the settlement date and time included in the settlement information may be used as the settlement management information to be closed in the current month. Here, in step S11, the timing at which the closing operation information is not received is any time from the first day of the present month to the time before the closing operation is performed, that is, it is assumed that the settlement by electronic money has been performed. Also, since the payment information is subject to the closing within the current month, the date and time included in the payment information is added as the settlement management information. Then, the settlement management unit 102 transmits, to the acquirer server 17, the settlement information to which the settlement management information is added (step S12).

On the other hand, if the settlement information transmission timing has not arrived in step S10, the settlement management unit 102 determines whether or not the closing operation information has been received from the settlement module 15 (step S13), and the closing operation information is received. If not, after performing a wait process for a predetermined time, the process proceeds to the process of step S10 (step S13-NO).
On the other hand, when the closing operation information is received, the time based on the time of reception is acquired using the clock function provided in the inside, and the closing time and the settlement module of the transmission source of the closing operation information The ID is stored in the storage unit 101. Then, the settlement management unit 102 targets settlement information to which settlement management information has not been added yet among the settlement information stored in the storage unit 101, and settlement management information to be targeted for closing in the next month when the closing operation information is received. Is given (step S14). Here, for example, when the date and time of receiving the closing operation information is March 31 17:30:00 as the settlement management information to be the target of closing in the next month after receiving the closing operation information, March 1 Settlement information from 00:00:00 to March 31 17:30:00 is targeted for the closing of March, March 31 17:30 1 second to March 31 23:59. The settlement information up to the second is subject to the closing in April, so as the settlement management information, the settlement management information that becomes the target of the closing in April (for example, 10:00 on April 1 00:00) Is attached to payment information. Here, by storing the fact that the closing operation information has been received in the storage unit 101, after receiving the closing operation information, even if the payment information transmission timing comes again on that day, in that case, the settlement As management information, payment management information is added that will be the closing date of the next month.
Then, the settlement management unit 102 transmits, to the acquirer server 17, the settlement information to which the settlement management information is added (step S12).

FIG. 7 is a diagram showing an example of payment information transmitted to the acquirer server 17. As shown in FIG.
FIG. 7A shows an example of payment information before a closing operation is performed in a certain month. As this payment information, for example, when the closing operation is performed at 17:30:00 on March 31, the settlement management information is March 1 0 in response to the execution of the closing operation. Settlement management information is transmitted to the acquirer server 17 from the hour 0 minute 0 second to the March 31 17:30 minute 00 second.
FIG. 7B shows an example of payment information after a closing operation has been performed in a certain month. As this settlement information, for example, when the closing operation is performed at 17:30:30 on March 31, the settlement information of the settlement information is March 31 18:11:58 and the settlement information About 19:02:06 of the settlement information of March 31, the settlement management information of 10:00:00 on April 01 is given respectively, the settlement date (settlement management information) is April 1 It is transmitted to the acquirer server 17 together with 11: 09: 4 settlement information. As a result, with regard to the settlement information on the last day of the current month, even after the settlement operation is performed, the settlement management information of the date and time that will be the closing of the next month is added to the POS even by electronic money settlement. Depending on the closing operation of the terminal 16, it is possible to divide and manage whether it is the target of the current month's closing or the target of the next month's closing.

  In the example shown in FIG. 7, the settlement management information is used to divide the settlement data settled by the closing time based on the closing operation and the settlement data after the time based on the closing operation into the different groups. In the case of payment data after the time based on the closing operation for the current month, transmission to the acquirer server 17 is temporarily suspended, and the payment information targeted for closing of the current month is the acquirer server After being sent to the POS terminal 16 and sent to the POS terminal 16, the message may be sent to the acquirer server 17.

  According to the embodiment described above, the settlement process (funds settlement) between the acquirer and the affiliated store can be performed also for the settlement using the electronic money settlement service in accordance with the timing of closing by the affiliated store. it can. As a result, it is not necessary for the member store to carry out the closing accounting for the electronic money settlement in a different way from the cash and credit card settlement. In addition, at the member store, it is possible to eliminate the trouble of performing an accrual process in the accounting process based on the closing process. Thereby, according to the present embodiment, it is possible to easily introduce the electronic money payment service to a member store that performs closing processing at a member store's unique timing.

Next, another embodiment of the settlement system 1 in the above-described embodiment will be described.
FIG. 8 is a sequence diagram for explaining the operation of the settlement system 1 in the second embodiment. In the second embodiment, the configuration of the payment system 1 is the same as that of the first embodiment, but a part of the operation is different. Hereinafter, the description of the common parts in the first and second embodiments will be omitted, and a second embodiment different from the first embodiment will be described.
In FIG. 8, steps S301 to S306 are performed in the same manner as the operations of steps S101 to S106 in FIG. Here, the processes of step S107 and step S108 in the first embodiment are not performed. The operations from step S401 to step S405 are performed in the same manner as the operations from step S201 to step S205 in FIG. 5, and production management information is added to the settlement information.
Next, the settlement management unit 102 of the settlement management unit 102 of the settlement server 10 transmits the settlement information from the first day of the current month (for example, March) to the closing time received this time to the electronic money business server 30 together with the settlement management information. (Step S406). The transmission of the settlement information to the electronic money business server 30 can be determined in advance as the settlement information transmission timing, and may be performed at a time determined once a day, or a plurality of times per day, a predetermined time It may be transmitted each time it arrives.
Here, the settlement information to which the settlement management information of the date and time indicating the first business day (for example, April 1) of the next month (for example, April) is attached is the closing time received this time from the first day of the current month (for example, March) It may be sent together at the timing of sending payment information up to the e-money company at the next timing of sending the payment information from the first day of the current month (for example, March) to the closing time received this time. It may be transmitted to the server 30.
Further, the transmission of the settlement information to which the settlement management information is added is performed for each POS terminal 16.

  When receiving the settlement information to which the settlement management information is added from the settlement server 10, the electronic money business server 30 stores it in its own storage device (step S407).

  Next, among the payment information stored in the storage device of the electronic money business server 30, the electronic money business server 30 stores the information for each shop belonging to the acquirer server 17 to be transmitted, for example, 1 o'clock 0 o'clock in the present month (for example, March). The money settlement information is generated by totaling the settlement management information from 0:00 to 23:59:59 on the last day of the month, and transmitted to the acquirer server 17 (step S408). Here, since the settlement information to be transmitted is aggregated based on the settlement management information, the acquirer server 17 is the day when the shop closing operation was performed from the first day of the month, and the closing operation was performed. Settlement information including settlement management information included up to the time is aggregated. As a result, the acquirer server 17 can handle payment information of a period corresponding to the timing of closing the store.

  The acquirer server 17 counts the settlement information of each POS terminal 16 for each store based on the settlement information to which the settlement management information is added, received from the electronic money business server 30, and thereby the affiliated store in that month. The amount of payment to pay to is calculated (step S409). Here, by referring to the settlement management information, the settlement information to which the settlement management information included from the first day of the month to the day when the shop closing operation was performed and before the time when the closing operation was performed is added up It is possible to calculate the payment amount.

Next, the acquirer server 17 sends each POS terminal 16 information for notifying the payment amount for each POS terminal 16 calculated for payment information from the 1st of the current month (for example, March) to the closing time of the end of the month. (Step S410), and executes a predetermined payment process based on the payment amount for the POS terminal 16.
The POS terminal 16 receives the notification of the payment amount received from the acquirer server 17 (step S411). Thereby, the POS terminal 16 can perform the closing process on the settlement made by the electronic money in the current month (for example, March).

  Further, according to the second embodiment, even if the settlement server 10 directly transmits settlement information including the settlement management information to the acquirer server 17, it is transmitted via the electronic money business server 30. Can.

  Further, the settlement server 10 in the first embodiment and the second embodiment described above may be incorporated into the same system. For example, when the settlement server 10 can directly communicate with the acquirer server 17, the settlement server 10 transmits settlement information including settlement management information from the settlement server 10 to the acquirer server 17, and the settlement server 10 When direct communication is not performed, settlement information including settlement management information may be transmitted from the settlement server 10 to the acquirer server 17 via the electronic money business server 30. In this case, for example, when the closing operation is performed, the settlement management information is added by referring to the settlement module ID transmitted from the settlement module 15 connected to the POS terminal 16 in which the closing operation is performed. It may be determined whether to transmit the settlement information to the electronic money business server 30 or to the acquirer server 17. Specifically, transmission destination information in which the settlement module ID is associated with the transmission destination (the electronic money business server 30 or the acquirer server 17) of the settlement information to which the settlement management information is added is stored, and this transmission is performed. The transmission destination may be distributed by referring to the destination information.

  The functions of the settlement server 10, the settlement module 15, the POS terminal 16, and the acquirer server 17 in the embodiment described above may be realized by a computer. In that case, a program for realizing this function may be recorded in a computer readable recording medium, and the program recorded in the recording medium may be read and executed by a computer system. Here, the “computer system” includes an OS and hardware such as peripheral devices. The term "computer-readable recording medium" refers to a storage medium such as a flexible disk, a magneto-optical disk, a ROM, a portable medium such as a ROM or a CD-ROM, or a hard disk built in a computer system. Furthermore, “computer-readable recording medium” dynamically holds a program for a short time, like a communication line in the case of transmitting a program via a network such as the Internet or a communication line such as a telephone line. It may also include one that holds a program for a certain period of time, such as volatile memory in a computer system that becomes a server or a client in that case. Further, the program may be for realizing a part of the functions described above, or may be realized in combination with the program already recorded in the computer system. It may be realized using a programmable logic device such as an FPGA (Field Programmable Gate Array).

  The embodiment of the present invention has been described in detail with reference to the drawings. However, the specific configuration is not limited to this embodiment, and includes design and the like within the scope of the present invention.

  1 ... settlement system, 10 ... settlement server, 15 ... settlement module, 16 ... POS terminal, 17 ... acquirer server, 20 ... store, 30 ... electronic money company Server, 40: Internet, 50: Intranet, 101: Storage unit, 102: Settlement management unit, 103: Communication unit

Claims (4)

A receiving unit that receives an instruction of closing operation from the payment terminal;
Among settlement data transmitted from the settlement terminal, settlement data divided into different groups from settlement data settled by the closing time based on the closing operation and settlement data settled in a predetermined period from the time based on the closing operation Management department,
A transmitter for transmitting settlement data according to the group;
Payment management device. The settlement management unit
The settlement management information to be different closing dates is added to the settlement data settled by the closing time based on the closing operation and the settlement data settled in a predetermined period from the time based on the closing operation. Payment management device. A payment system in which a payment terminal, a payment management device, and an acquirer terminal are communicably connected,
The settlement terminal is
Having a tightening information transmission unit that transmits tightening operation information based on a tightening operation instruction,
The payment management device
A receiving unit that receives closing operation information from the payment terminal;
Among the settlement data transmitted from the settlement terminal, the settlement data settled by the closing time based on the closing operation and the settlement data settled in a predetermined period from the time based on the closing operation information are divided into different groups Settlement Management Department,
A transmission unit that transmits settlement data according to the group;
The acquirer terminal is
A settlement data receiving unit for receiving the settlement data for each group;
Payment system having. The receiving unit receives an instruction for closing operation from the payment terminal,
Among the settlement data transmitted from the settlement terminal, the settlement management unit includes settlement data settled by the closing time based on the closing operation and settlement data settled in a predetermined period from the time based on the closing operation. Divided into different groups,
A payment management method for transmitting payment data according to a transmission unit and the group.

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