Information processing device, information processing method, and information processing program

Abstract

To provide an information processing device for flexibly adjusting an affiliated store commission according to a situation of a transaction of a store and a change of a market place.SOLUTION: An information processing device 60 comprises a transaction information acquisition unit, an issuer fee information acquisition unit, an addition fee information determination unit, and a calculation unit. The transaction information acquisition unit acquires transaction information including store information which is identification information of a store, settlement means identification information for identifying settlement means used by a customer, and money amount information which is information on a transaction amount, from a transmission source of the transaction information. The issuer fee information acquisition unit acquires issuer fee information which is information for calculating an issuer fee paid to an issuer who provides the settlement means to the customer. The addition fee information determination unit determines addition fee information which is the information for calculating a store fee paid by the store in the transaction, and the information for calculating an addition fee added to the issuer fee. The calculation unit calculates a store fee, on the basis of the issuer fee information, the addition fee information, and the transaction information.SELECTED DRAWING: Figure 14

Description

[Technical Field]

[0001] The present invention relates to an information processing device, an information processing method, and an information processing program. [Background technology]

[0002] In recent years, various payment methods, such as credit cards, which are highly convenient for users, have become popular among consumers. When a user uses such a payment method to make a payment at a store, the store pays a predetermined fee (merchant fee) based on the transaction amount, etc., to the payment service provider (acquirer) that has concluded a merchant agreement for that payment method. The merchant fee is generally calculated based on the transaction amount and a merchant discount rate determined in a prior agreement (merchant agreement, etc.) between each store and the acquirer. The merchant fee rate is set by the acquirer when it receives an application for membership from the store and conducts membership screening, based on various factors such as the store's type of business and the content of the transaction (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2017-37591 Summary of the Invention [Problem to be solved by the invention]

[0004] As mentioned above, merchant commission rates are preset for each store based on the contract between the store and the acquirer, and therefore do not change frequently. While merchant commission rates may be revised at the request of the store or acquirer, they are not flexibly adjustable in response to changes in the store's transaction status or market conditions. Therefore, for example, if the use of credit cards issued overseas suddenly increases, the fees paid by acquirers to overseas credit card issuers may rise and exceed the merchant commission, resulting in a loss for the acquirer. Conversely, if acquirers set merchant commission rates too high in advance to avoid the above-mentioned risks, this could increase the store's financial burden.

[0005] The present invention has been made in consideration of the above circumstances, and aims to provide an information processing device, an information processing method, and an information processing program that enable flexible adjustment of affiliated store fees in accordance with store transaction conditions and market changes. [Means for solving the problem]

[0006] The information processing device has a transaction information acquisition unit, an issuer fee information acquisition unit, an additional fee information determination unit, and a calculation unit. The transaction information acquisition unit acquires transaction information from a sender of the transaction information, including store information, which is information identifying the store where the customer conducts the transaction, payment method identification information, which identifies the payment method used by the customer in the transaction, and amount information, which is information on the transaction amount. The issuer fee information acquisition unit acquires issuer fee information, which is information for calculating an issuer fee to be paid to the issuer that provides the payment method to the customer in connection with the use of the payment method in the transaction. The additional fee information determination unit determines additional fee information, which is information for calculating a store fee borne by the store in connection with the use of the payment method in the transaction, and is information for calculating an additional fee to be added to the issuer fee. The calculation unit identifies the issuer of the payment method used in the transaction based on the payment method identification information included in the transaction information, and calculates the store fee based on the issuer fee information of the identified issuer, the additional fee information, and the transaction information.

[0007] The information processing method includes a transaction information acquisition step, an issuer fee information acquisition step, an additional fee information determination step, and a calculation step. The transaction information acquisition step acquires, from a sender of the transaction information, transaction information including store information, which is identification information of the store where the customer conducts the transaction, payment method identification information, which identifies the payment method used by the customer in the transaction, and amount information, which is information on the transaction amount. The issuer fee information acquisition step acquires issuer fee information, which is information for calculating an issuer fee to be paid to the issuer that provides the payment method to the customer in connection with the use of the payment method in the transaction. The additional fee information determination step determines additional fee information, which is information for calculating a store fee borne by the store in connection with the use of the payment method in the transaction, and is information for calculating an additional fee to be added to the issuer fee. The calculation step identifies the issuer of the payment method used in the transaction based on the payment method identification information included in the transaction information, and calculates the store fee based on the issuer fee information of the identified issuer, the additional fee information, and the transaction information.

[0008] The information processing program is configured to cause a computer to function as the above-mentioned information processing device. [Effects of the Invention]

[0009] According to an information processing device according to an embodiment of the present invention, issuer fee information for calculating the fee paid to the issuer of the payment instrument and additional fee information for calculating an additional fee added to the issuer fee are determined. The information processing device identifies the issuer of the payment instrument used in the transaction based on the payment instrument identification information included in the transaction information, and calculates the store fee based on the issuer fee information of the identified issuer, the additional fee information, and the transaction information. This allows the store fee borne by the store in connection with the use of the payment instrument, i.e., the merchant fee, to be calculated based on the issuer fee information and the additional fee information. This allows the merchant fee to be flexibly adjusted in response to changes in the store's transaction status and market. [Brief explanation of the drawings]

[0010] [Figure 1] 1 is a diagram showing a schematic configuration of a payment system according to one embodiment of the present invention. [Figure 2] FIG. 2 is a block diagram showing a schematic configuration of a store terminal. [Figure 3] FIG. 2 is a block diagram showing a schematic configuration of an information processing center. [Figure 4] FIG. 1 is a block diagram showing a schematic configuration of an acquirer system. [Figure 5] 1 is a block diagram showing a schematic configuration of a payment brand system. [Figure 6] FIG. 2 is a block diagram showing a schematic configuration of an issuer system. [Figure 7] FIG. 1 is a block diagram showing a schematic configuration of an information processing device. [Figure 8] FIG. 2 is a block diagram showing a functional configuration of the information processing device. [Figure 9] FIG. 10 is a diagram illustrating an example of an issuer fee information table stored in an information processing device. [Figure 10] FIG. 10 is a diagram showing a state in which the corresponding additional fee information is added to each value in the issuer fee information table of FIG. 9. [Figure 11] 10 is a flowchart showing the procedure of an issuer fee information acquisition process executed by the information processing device; [Figure 12] 10 is a flowchart showing the procedure of a store master information acquisition process executed by the information processing device. [Figure 13] 10 is a flowchart showing the procedure of a process for acquiring additional charge information and change conditions executed by the information processing device; [Figure 14] 10 is a flowchart showing the procedure of a store fee calculation process executed by the information processing device. DETAILED DESCRIPTION OF THE INVENTION

[0011] Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings. In the description of the drawings, the same elements are designated by the same reference numerals, and duplicate explanations will be omitted. Furthermore, the dimensional proportions in the drawings may be exaggerated for the sake of convenience and may differ from the actual proportions.

[0012] (Payment system) First, a payment system according to one embodiment of the present invention will be described.

[0013] FIG. 1 is a diagram showing a schematic configuration of a payment system according to one embodiment of the present invention.

[0014] 1, the payment system includes a store terminal 10, an information processing center 20, an acquirer system 30, a payment brand system 40, an issuer system 50, and an information processing device 60. The store terminal 10, the information processing center 20, the acquirer system 30, the payment brand system 40, the issuer system 50, and the information processing device 60 are interconnected via a network.

[0015] The store terminal 10 is an information terminal installed in a store that is an affiliated store that uses the payment system. Multiple store terminals 10 may be connected to a payment server via a network, and the payment server may be connected to an information processing center 20 or the like. In this case, the multiple store terminals 10 and the payment server work together to configure the store terminal 10. Also, if the store is an affiliated store that conducts non-face-to-face transactions such as online sales (EC), the store terminal 10 is configured by the store's payment server or the payment server of a payment agent that executes the store's payment processing and a terminal such as a PC or smartphone used by a customer working together.

[0016] The information processing center 20 is a system for processing, transmitting, and receiving information related to payments. The information processing center 20 may include a system of a payment service provider (PSP) that handles various payment-related processes. Alternatively, the payment service provider's system may be connected as the PSP system 20 instead of the information processing center 20. Furthermore, the shop terminal 10 may be connected to the acquirer system 30 via a network without going through the information processing center 20 (including the PSP system).

[0017] The acquirer system 30 is a system established by an acquirer that concludes a merchant agreement with a store regarding the use of payment methods. If the acquirer has concluded a merchant agreement with a payment processing service provider, the store may also conclude a merchant agreement with the payment processing service provider. In this case, the payment processing service provider also functions as an acquirer for the store.

[0018] The payment brand system 40 is a system provided by a payment brand that operates a payment method. When the payment brand itself concludes an affiliated store contract with a store, the payment brand system 40 and the acquirer system 30 may be provided as the same system or as separate systems by the same business operator.

[0019] The issuer system 50 is a system established by an issuer that issues payment instruments to users who are customers. Note that when a payment brand itself issues a payment instrument, the payment brand system 40 and the issuer system 50 may be established as the same system or as separate systems by the same business operator.

[0020] The information processing device 60 is a device for calculating the store fee (affiliated store fee) that the store will bear in a transaction executed using a payment means.

[0021] 1 shows an example in which the information processing device 60 is connected to the acquirer system 30, but is not limited to this. The information processing device 60 may be connected to a store terminal 10, an information processing center 20, a payment brand system 40, an issuer system 50, etc. Furthermore, in this embodiment, a typical system configuration for credit card payments will be described as an example, but the system configuration may be changed as appropriate depending on the payment method used, etc.

[0022] Next, each component will be described in detail.

[0023] (Store terminal) FIG. 2 is a block diagram showing a schematic configuration of the store terminal.

[0024] 2, the store terminal 10 includes a control unit 11, a storage unit 12, a communication unit 13, a display unit 14, an operation reception unit 15, and a reading unit 16. Each component is connected to each other via a bus 17 so as to be able to communicate with each other.

[0025] The control unit 11 is a CPU (Central Processing Unit) that controls the above-mentioned components and executes various arithmetic processing in accordance with a program.

[0026] The storage unit 12 is composed of a ROM (Read Only Memory) that stores various programs and data in advance, a RAM (Random Access Memory) that temporarily stores programs and data as a working area, a hard disk that stores various programs and data, etc.

[0027] The communication unit 13 is an interface for communicating with other terminals and devices via a network, and transmits and receives various data to and from, for example, an information processing center 20 or the like.

[0028] The display unit 14 is composed of a liquid crystal display, a touch panel, etc., and displays various information.

[0029] The operation reception unit 15 is configured with a pointing device such as a mouse, a keyboard, a touch panel, etc., and receives various operations from the user. The display unit 14 and the operation reception unit 15 may be integrated into one unit such as a touch panel.

[0030] The reader 16 reads and acquires payment method identification information for identifying the payment method used by the customer from the customer's card, customer's information terminal, etc. The reader 16 includes, for example, a contact or contactless card reader and acquires payment method identification information from the customer's credit card, etc. The payment method identification information includes, for example, the customer's credit card number and expiration date. The reader 16 may also include a code reader that reads codes such as one-dimensional codes such as barcodes and two-dimensional codes such as QR Code (registered trademark). For example, in various code payments, the reader 16 acquires payment method identification information by reading a barcode displayed on the customer's information terminal.

[0031] If the store is a non-face-to-face affiliated store, the display unit 14, operation reception unit 15, reading unit 16, etc. may be configured on a terminal such as a smartphone used by the customer. In this case, the reading unit 16 can obtain payment method identification information by obtaining information entered by the customer on the payment screen displayed on the display by browser software on the smartphone, etc.

[0032] (Information Processing Center) FIG. 3 is a block diagram showing a schematic configuration of the information processing center.

[0033] 3, the information processing center 20 includes a control unit 21, a memory unit 22, a communication unit 23, a display unit 24, and an operation reception unit 25. Each component is connected to each other so as to be able to communicate with each other via a bus 26. Note that the control unit 21, memory unit 22, communication unit 23, display unit 24, and operation reception unit 25 of the information processing center 20 have the same functions as the control unit 11, memory unit 12, communication unit 13, display unit 14, and operation reception unit 15 of the store terminal 10, and therefore a description thereof will be omitted.

[0034] (Acquirer System) FIG. 4 is a block diagram showing a schematic configuration of an acquirer system.

[0035] 4, the acquirer system 30 includes a control unit 31, a storage unit 32, a communication unit 33, a display unit 34, and an operation reception unit 35. Each component is connected to each other so as to be able to communicate with each other via a bus 36. Note that each component of the acquirer system 30 has the same function as each component of the information processing center 20, and therefore detailed description thereof will be omitted.

[0036] (Branded payment system) FIG. 5 is a block diagram showing a schematic configuration of a payment brand system.

[0037] 5, the payment brand system 40 includes a control unit 41, a memory unit 42, a communication unit 43, a display unit 44, and an operation reception unit 45. Each component is connected to each other so that they can communicate with each other via a bus 46. Note that each component of the payment brand system 40 has the same function as each component of the information processing center 20, and therefore detailed explanations thereof will be omitted.

[0038] (Issuer System) FIG. 6 is a block diagram showing a schematic configuration of the issuer system.

[0039] 6, issuer system 50 includes control unit 51, storage unit 52, communication unit 53, display unit 54, and operation reception unit 55. Each component is connected to each other so as to be able to communicate with each other via bus 56. Note that each component of issuer system 50 has the same function as each component of information processing center 20, and therefore detailed description thereof will be omitted.

[0040] (Information processing device) FIG. 7 is a block diagram showing a schematic configuration of an information processing device.

[0041] 7, the information processing device 60 includes a control unit 61, a storage unit 62, a communication unit 63, a display unit 64, and an operation reception unit 65. Each component is connected to each other so as to be able to communicate with each other via a bus 66. Note that each component of the information processing device 60 has the same function as each component of the information processing center 20, and therefore detailed description thereof will be omitted.

[0042] (Functions of information processing devices) FIG. 8 is a block diagram showing the functional configuration of the information processing device.

[0043] Control unit 61 of information processing device 60 reads and executes the programs stored in memory unit 62. As a result, control unit 61 functions as a transaction information acquisition unit 611, an issuer fee information acquisition unit 612, an additional fee information determination unit 613, a calculation unit 614, a cycle information acquisition unit 615, a payment terminal information acquisition unit 616, a unit price information acquisition unit 617, a fraudulent transaction information acquisition unit 618, a payment system information acquisition unit 619, an input method information acquisition unit 61A, and a reception unit 61B, as shown in FIG.

[0044] The transaction information acquisition unit 611 acquires transaction information from the sender of the transaction information, which includes store information, which is identification information of the store where the customer conducts the transaction, payment method identification information, which identifies the payment method used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction.

[0045] The issuer fee information acquisition unit 612 acquires issuer fee information, which is information used to calculate the issuer fee paid to the issuer that provides the payment instrument to the customer when the payment instrument is used in a transaction. The issuer fee information may be information indicating the percentage of the issuer fee to the transaction amount determined by the payment brand. Furthermore, the issuer fee information may be set so that the percentage of the fee paid to the issuer to the transaction amount varies depending on at least one of the payment brand, the store's industry, the type of payment instrument, the country in which the payment instrument was issued, and the contract status between the issuer of the payment instrument and the store.

[0046] The additional fee information determination unit 613 determines additional fee information, which is information for calculating the store fee that the store will pay in a transaction when a payment method is used, and is information for calculating an additional fee to be added to the fee paid to the issuer. The additional fee information may be information indicating the percentage of the additional fee relative to the transaction amount. The additional fee information determination unit 613 may set the additional fee information so that the percentage of the additional fee varies depending on at least one of the payment brand that operates the payment method, the store's industry, the type of payment method, the country in which the payment method was issued, and the contract status between the issuer of the payment method and the store.

[0047] The calculation unit 614 identifies the issuer of the payment method used in the transaction based on the payment method identification information included in the transaction information, and calculates the store fee to be borne by the store for the transaction based on the issuer fee information of the identified issuer, additional fee information, and transaction information.

[0048] The cycle information acquisition unit 615 acquires cycle information regarding the payment cycle of money corresponding to the transaction amount to the store. The payment cycle is determined, for example, by the affiliated store contract between the store and the acquirer. The cycle information includes, for example, information regarding the number of days (number of business days) from the closing date to the payment date, the number and frequency of payments, etc. The additional fee information determination unit 613 may change the additional fee information of the store in question according to the cycle information of the store in question.

[0049] The payment terminal information acquisition unit 616 acquires payment terminal information regarding the type of payment terminal used to execute transactions at the store. The payment terminal information includes, for example, information on whether the store has introduced a new payment terminal or continues to use an older payment terminal. For example, if a new payment terminal has been introduced, it is likely equipped with various security and authentication functions, and it can be determined that the risk of fraudulent use of the payment method is low. The additional fee information determination unit 613 may change the additional fee information of the store in accordance with the payment terminal information of the store.

[0050] The unit price information acquisition unit 617 acquires transaction unit price information relating to the unit price of transaction amounts at a store. The transaction unit price information includes, for example, the average value of the amounts of transactions using payment methods executed at the store within a predetermined period such as one month, one week, or one day. The transaction unit price information is not limited to the average value, but also includes various information relating to the unit price of transactions, such as maximum and minimum values, and increased or decreased amounts and percentages. The additional fee information determination unit 613 may change the additional fee information of the store in accordance with the transaction unit price information of the store.

[0051] The fraudulent transaction information acquisition unit 618 acquires fraudulent transaction information regarding the probability of fraudulent transactions occurring at a store or the amount of damage caused by fraudulent transactions. Fraudulent transactions include various transactions conducted using fraudulent payment methods, such as transactions using lost or stolen cards, transactions using counterfeit cards, and transactions using fraudulently leaked or obtained card information. The fraudulent transaction information includes various information such as the probability of fraudulent transactions occurring at the store within a specified period, the average amount of damage caused by fraudulent transactions, the maximum amount, and any increase or decrease in the amount or percentage. The additional fee information determination unit 613 may change the additional fee information for the store in accordance with the fraudulent transaction information for the store.

[0052] The payment system information acquisition unit 619 acquires information about the payment service provider (PSP) used by the store or payment system information about the payment network (information processing center) connected from the store. If the store uses a PSP as a payment agent, information about the PSP used is acquired as the payment system information. Information about the payment network (information processing center) connected to the store terminal 10 may also be acquired as the payment system information. The additional charge information determination unit 613 may change the additional charge information of the store in accordance with the payment system information of the store.

[0053] The input method information acquisition unit 61A acquires input method information regarding the method of inputting payment method identification information for transactions executed at a store. Examples of methods for inputting payment method identification information include input by reading the magnetic stripe of a magnetic card, input by reading the IC chip of a contact or contactless IC card, input by reading a barcode, input via a network, and input by a customer operating a terminal at a non-face-to-face affiliated store. The input method information acquired may include, for example, information on the implementation rate of a predetermined input method at the store. The additional fee information determination unit 613 may change the additional fee information for the store according to the input method information for the store.

[0054] The receiving unit 61B receives the setting of the conditions for changing the additional charge information. The additional charge information determination unit 613 may change the additional charge information by further considering the conditions received by the receiving unit 61B.

[0055] (Issuer fee information table) FIG. 9 is a diagram illustrating an example of an issuer fee information table stored in the information processing device.

[0056] The issuer fee information table is a table in which issuer fee information is set for calculating the issuer fee to be paid to the issuer of the payment instrument. The memory unit 62 of the information processing device 60 stores the latest issuer fee information (issue fee information table) provided by the payment brand.

[0057] As shown in the example of Figure 9, the issuer fee information is set, for example, as a percentage of the transaction amount. The issuer fee information varies depending on the store's industry, the payment brand of the payment method used, the type of payment method used, etc. Furthermore, the issuer fee information may also vary depending on the country in which the payment method was issued, the contract status between the issuer of the payment method and the store, etc.

[0058] For example, if the type of business of a store is one that has a high risk of problems such as fraudulent transactions occurring, or if the type of business of the store is unknown, a high rate may be set as the issuer fee information in consideration of the risk.

[0059] Furthermore, for each payment brand, issuer fee information can be set according to the business situation and policy of each payment brand.

[0060] Regarding the type of payment method, for example, high-grade cards such as gold cards or platinum cards are cards that can be held by good customers with high purchasing power and reliability. Therefore, from the viewpoint of attracting such good customers to the store and realizing the payment, a higher percentage can be set as the issuer fee information for high-grade cards compared to low-grade cards.

[0061] Regarding the country of issue of the payment instrument, for example, if the payment instrument was issued in a country other than the country in which the store is located, i.e., a foreign country, a higher rate than the value shown in Figure 9 may be set as the issuer fee information.

[0062] Furthermore, the contractual status between the issuer of the payment instrument and the store may vary, for example, between the acquirer with whom the store has an affiliated store agreement and the issuer of the payment instrument (a so-called on-us transaction) and between them (a so-called off-us transaction). In the case of on-us transactions, the payment process is simple and can be executed efficiently, so a low percentage can be set as the issuer fee information. Conversely, in the case of off-us transactions, the payment process is complex and expensive, so a high percentage can be set as the issuer fee information.

[0063] For example, in the example of Figure 9, if a personal platinum card with payment brand A is used at an airline store, the issuer fee information is 1.40%. If the transaction amount is 100,000 yen, the issuer fee is 1,400 yen. Similarly, if a general personal card with payment brand B is used at a leisure-related store, the issuer fee information is 1.45%. If the transaction amount is 100,000 yen, the issuer fee is 1,450 yen.

[0064] The business type of the store is managed by the acquirer and registered in association with the store information in the store master information stored in the storage unit 32 of the acquirer system 30. For example, by searching the store master information using the store information included in the transaction information as a key, the business type of the store where the transaction was executed can be identified.

[0065] In addition, the payment brand, type of payment method, issuing country of the payment method, contract status between the issuer of the payment method and the store, etc. can be identified, for example, by using information such as the card number included in the payment method identification information and a pre-stored judgment table.

[0066] (Additional Charge Information Table) FIG. 10 is a diagram showing a state in which the corresponding additional fee information is added to each value in the issuer fee information table of FIG.

[0067] The storage unit 62 of the information processing device 60 stores the values ​​of the additional fee information shown in bold and underlined letters in FIG. 10 together with the issuer fee information table of FIG.

[0068] In this embodiment, the information processing device 60 calculates the store fee to be paid by the store in the transaction by using a value obtained by adding each value in the issuer fee information table to each value in the corresponding additional fee information.

[0069] As shown in the example of Figure 10, the additional fee information is set, for example, as a percentage of the transaction amount. Different values ​​can be set for the additional fee information depending on the type of business the store is in, the payment brand of the payment method used, the type of payment method used, etc. Furthermore, different values ​​can be set for the additional fee information depending on the country of issuance of the payment method, the contractual status between the issuer of the payment method and the store, etc.

[0070] For example, in the example of FIG. 10 , if a personal platinum card with payment brand A is used at an airline store, the issuer fee information is 1.40% and the surcharge information is 0.20%. For example, if the transaction amount is 100,000 yen, the issuer fee is 1,400 yen and the surcharge is 200 yen. In this case, the store fee borne by the store for that transaction is calculated as 1,600 yen, which is 1,400 yen plus 200 yen. Similarly, if a general personal card with payment brand B is used at a leisure-related store, the issuer fee information is 1.45% and the surcharge information is 0.26%. For example, if the transaction amount is 100,000 yen, the issuer fee is 1,450 yen and the surcharge is 260 yen. In this case, the store fee borne by the store for that transaction is calculated as 1,710 yen, which is the sum of 1,450 yen and 260 yen.

[0071] Furthermore, different values ​​may be set as the additional fee information depending on the payment cycle (so-called sales payment cycle) of the money corresponding to the transaction amount from the acquirer to the store. For example, if the number of days (number of business days) from the closing date to the payment date is set short, or if the number of payments or frequency is set to a short cycle, the burden and risk on the acquirer will be greater. In this case, a percentage higher than the value shown in FIG. 10 (for example, a value obtained by adding XX%) may be set as the additional fee information. Conversely, if the number of days (number of business days) from the closing date to the payment date is set long, or if the number of payments or frequency is set to a long cycle, the financial burden and risk on the acquirer will be smaller. In this case, a percentage lower than the value shown in FIG. 10 (for example, a value obtained by subtracting XX%) may be set as the additional fee information.

[0072] In addition, different values ​​may be set as the additional fee information depending on the type of payment terminal used in the store. For example, if a new payment terminal is used in the store, the burden and risk for the acquirer will be reduced because it has superior functions for preventing fraudulent transactions and security. In this case, a lower percentage (e.g., a value obtained by subtracting XX%) than the value shown in FIG. 10 may be set as the additional fee information. Conversely, if an older payment terminal is used in the store, the burden and risk for the acquirer will be greater because it has inferior functions for preventing fraudulent transactions and security. In this case, a higher percentage (e.g., a value obtained by adding XX%) than the value shown in FIG. 10 may be set as the additional fee information. In addition, the additional fee information may be set differently depending on whether the store is a face-to-face affiliated store and uses a payment terminal installed in the store, or whether the store is a non-face-to-face affiliated store and the payment terminal is made up of a payment server, a customer's terminal, etc.

[0073] Additionally, different values ​​may be set as the additional fee information depending on the unit price of the transaction amount at the store. For example, if the unit price of the transaction amount is lower than a predetermined reference value, the proportion of the payment network costs required for each transaction, system processing costs, etc., increases, reducing the acquirer's profitability. In this case, a percentage higher than the value shown in FIG. 10 (e.g., a value obtained by adding XX%) may be set as the additional fee information. Conversely, if the unit price of the transaction amount is higher than a predetermined reference value, the proportion of the payment network costs required for each transaction, system processing costs, etc., decreases, improving the acquirer's profitability. In this case, a percentage lower than the value shown in FIG. 10 (e.g., a value obtained by subtracting XX%) may be set as the additional fee information.

[0074] Furthermore, different values ​​may be set as the additional fee information depending on the probability of fraudulent transactions occurring at the store or the amount of damage caused by fraudulent transactions. For example, if the probability of fraudulent transactions occurring or the amount of damage caused by fraudulent transactions is higher than a predetermined reference value, the burden and risk for the acquirer will be greater. In this case, a percentage higher than the value shown in FIG. 10 (for example, a value obtained by adding XX%) may be set as the additional fee information. Conversely, if the probability of fraudulent transactions occurring or the amount of damage caused by fraudulent transactions is lower than a predetermined reference value, the burden and risk for the acquirer will be lower. In this case, a percentage lower than the value shown in FIG. 10 (for example, a value obtained by subtracting XX%) may be set as the additional fee information.

[0075] Furthermore, different values ​​may be set as the additional charge information depending on the type of payment service provider (PSP) used by the store and the type of payment network (information processing center) connected to the store. For example, if a high-cost PSP or payment network is used, a higher percentage (e.g., a value obtained by adding XX%) than the value shown in Figure 10 may be set as the additional charge information. Conversely, if a low-cost PSP or payment network is used, or if no PSP or payment network is used, a lower percentage (e.g., a value obtained by subtracting XX%) than the value shown in Figure 10 may be set as the additional charge information.

[0076] Furthermore, different values ​​may be set as the additional fee information depending on the method of inputting the payment method identification information in transactions carried out at the store. For example, if the payment method identification information is input by reading the magnetic stripe of a magnetic card at a high rate, the acquirer's burden and risk regarding fraudulent transactions and security will be greater. In this case, a higher rate (e.g., a value obtained by adding XX%) than the value shown in FIG. 10 may be set as the additional fee information. Conversely, if the payment method identification information is input by reading the IC chip of an IC card at a high rate, the acquirer's burden and risk regarding fraudulent transactions and security will be smaller. In this case, a lower rate (e.g., a value obtained by subtracting XX%) than the value shown in FIG. 10 may be set as the additional fee information.

[0077] (Processing overview) The processing executed by the information processing device 60 will be described below.

[0078] (Issuer fee information acquisition process) 11 is a flowchart showing the procedure of the process for acquiring issuer fee information executed by the information processing device 60. The algorithm of the process shown in FIG. 11 is stored as a program in the storage unit 62 of the information processing device 60 and is executed by the control unit 61.

[0079] 11, the information processing device 60 waits until a predetermined period of time has elapsed (step S101: NO), and if the predetermined period of time has elapsed (step S101: YES), the information processing device 60 proceeds to the processing of step S102. The predetermined period of time can be set to any period such as one day or one week depending on the tendency and frequency of updating the issuer fee information.

[0080] The information processing device 60 determines whether the issuer fee information has been updated (step S102). For example, the information processing device 60 accesses the database in the storage unit 42 of the payment brand system 40 or a web page provided by the payment brand system 40 to check the latest issuer fee information.

[0081] If the issuer fee information has not been updated (step S102: NO), the information processing device 60 ends the process of obtaining issuer fee information.

[0082] If the issuer fee information has been updated (step S102: YES), the information processing device 60 acquires the latest issuer fee information and updates the issuer fee information table stored in the storage unit 62 (step S103). The information processing device 60 ends the process of acquiring issuer fee information. As a result, the latest issuer fee information table as shown in FIG. 9 is stored in the storage unit 62.

[0083] In the above example, the issuer fee information is acquired only when it has been updated, but the method of updating is not limited to this. The latest issuer fee information may be acquired and updated regardless of whether the issuer fee information has been updated. Furthermore, if the issuer fee information has been updated, only the changed parts may be acquired as differential data and updated. Furthermore, other information, such as a card number-based judgment table provided by the payment brand, may also be acquired.

[0084] (Store master information acquisition process) 12 is a flowchart showing the procedure of the store master information acquisition process executed by the information processing device 60. The algorithm of the process shown in FIG. 12 is stored as a program in the storage unit 62 of the information processing device 60 and is executed by the control unit 61.

[0085] 12, the information processing device 60 waits until a predetermined period of time has elapsed (step S201: NO), and if the predetermined period of time has elapsed (step S201: YES), the information processing device 60 proceeds to the processing of step S202. The predetermined period of time can be set to any period such as one day or one week depending on the tendency and frequency of updating the store master information.

[0086] The information processing device 60 determines whether the store master information has been updated (step S202). For example, the information processing device 60 accesses the acquirer system 30 and checks the latest store master information stored in the storage unit 32.

[0087] If the store master information has not been updated (step S202: NO), the information processing device 60 ends the process of acquiring the store master information.

[0088] If the store master information has been updated (step S202: YES), the information processing device 60 acquires the latest store master information and updates the store master information stored in the storage unit 62 to reflect the latest store master information (step S203). The information processing device 60 ends the store master information acquisition process. As a result, the latest store master information is stored in the storage unit 62.

[0089] The store master information stores store information (such as affiliated store number) for identifying each store, the store's industry, the store's name, payment cycle, and other information in association with each other. The store master information may also store the type of payment terminal used in each store, the unit price of the transaction amount, various information related to fraudulent transactions, information related to the PSP or payment network used, and information related to the method for inputting payment method identification information.

[0090] In the above example, the store master information is acquired only when it has been updated. However, the method of updating is not limited to this. The latest store master information may be acquired and updated regardless of whether the store master information has been updated. Furthermore, when the store master information has been updated, only the changed parts may be acquired as differential data and updated. Furthermore, other information provided by the acquirer may also be acquired.

[0091] (Acquisition process of additional fee information and change conditions) 13 is a flowchart showing the procedure of the process of acquiring additional charge information and change conditions executed by the information processing device 60. The algorithm of the process shown in FIG. 13 is stored as a program in the storage unit 62 of the information processing device 60 and is executed by the control unit 61.

[0092] As shown in FIG. 13, the information processing device 60 determines whether or not the setting of additional fee information or the setting of conditions for changing the additional fee information has been accepted (step S301).

[0093] If the setting of additional fee information or the setting of change conditions has not been accepted (step S301: NO), the information processing device 60 waits until the setting of additional fee information or the setting of change conditions is accepted.

[0094] When the information processing device 60 receives a setting of additional charge information or a setting of change conditions (step S301: YES), the information processing device 60 reflects the received setting in the additional charge information stored in the storage unit 62 (step S302). For example, when the information processing device 60 receives a setting of additional charge information, the information processing device 60 changes each value of the additional charge information as shown in FIG. 10. When the information processing device 60 receives a setting of change conditions for the additional charge information, the information processing device 60 stores the new change conditions in the storage unit 62 and applies them to processing. The new change conditions are conditions that enable flexible adjustment of additional charges in accordance with changes in the store's trading situation and market. Any conditions can be set as the new change conditions, such as seasonal conditions, conditions related to the type of purchased product, etc., conditions related to customer attributes, conditions related to the store's trading volume, etc.

[0095] (Store fee calculation process) 14 is a flowchart showing the procedure of the store fee calculation process executed by the information processing device. The algorithm of the process shown in FIG. 14 is stored as a program in the storage unit 62 of the information processing device 60, and is executed by the control unit 61.

[0096] 14, the information processing device 60 acquires transaction information (step S401). For example, the information processing device 60 acquires transaction information from the acquirer system 30 according to a predetermined cycle, such as once a day. In this embodiment, an example in which the store fee calculation process is executed for each transaction will be described, but this is not limited to this, and the store fee calculation process may be executed collectively for multiple transactions to which the same conditions apply.

[0097] Next, the information processing device 60 acquires issuer fee information applicable to the transaction based on the transaction information acquired in the processing of step S401 (step S402). For example, the information processing device 60 identifies the type of business of the store where the transaction was performed based on the store information included in the transaction information and a store master stored in advance in the storage unit 62. The information processing device 60 also identifies the payment brand and type of payment method used based on the card number included in the transaction information as payment method identification information and a determination table stored in advance in the storage unit 62. The information processing device 60 acquires issuer fee information corresponding to the business type, payment brand, and type of payment method of the store involved in the transaction by referring to the issuer fee information table shown in FIG. 9. Furthermore, the information processing device 60 may identify the issuing country of the payment method and the contract status (on-us transaction or off-us transaction) between the issuer of the payment method and the store, and change the issuer fee information based on preset change conditions.

[0098] Next, the information processing device 60 determines additional charge information to be applied to the transaction based on the transaction information acquired in the processing of step S401 (step S403). For example, the information processing device 60 refers to the table shown in FIG. 10 to determine additional charge information corresponding to the store's business type, payment brand, and type of payment method identified in the processing of step S402. The information processing device 60 may also identify the issuing country of the payment method and the contract status (on-us transaction or off-us transaction) between the issuer of the payment method and the store, and change the additional charge information based on preset change conditions. Furthermore, as described above, the information processing device 60 may change the additional charge information according to preset change conditions for the additional charge information. For example, the information processing device 60 may change the additional charge information according to the payment cycle corresponding to the transaction amount to the store. Alternatively, the information processing device 60 may change the additional charge information according to the type of payment terminal used in the store. The information processing device 60 may also change the additional charge information according to the unit price of the transaction amount at the store. The information processing device 60 may also change the additional fee information in accordance with information regarding the probability of fraudulent transactions occurring at the store or the amount of damage caused by fraudulent transactions. The information processing device 60 may also change the additional fee information in accordance with the type of PSP used at the store or the type of payment network connected to the store. The information processing device 60 may also change the additional fee information in accordance with information regarding the proportion of payment method identification information input methods used in transactions performed at the store, etc.

[0099] Next, the information processing device 60 calculates the store fee to be paid by the store for the transaction based on the transaction information, issuer fee information, and additional fee information (step S404). For example, the information processing device 60 adds up the value (percentage) of the issuer fee information acquired in the processing of step S402 and the value (percentage) of the additional fee information determined in the processing of step S403. The information processing device 60 can then calculate the store fee by multiplying the sum of the percentages by the transaction amount included in the transaction information. For example, if the value of the issuer fee information is 1.55%, the value of the additional fee information is 0.28%, and the transaction amount is 100,000 yen, the store fee is calculated as 1,830 yen by calculating (1.55% + 0.28%) x 100,000 yen.

[0100] Subsequently, the information processing device 60 determines whether there is next transaction information to be processed (step S405).

[0101] If there is next transaction information to be processed (step S405: YES), the information processing device 60 returns to the process of step S401 and repeats the processes of steps S401 to S404.

[0102] If there is no next transaction information to be processed (step S405: NO), the information processing device 60 outputs the store fee calculated in the processing of step S404 (step S406). For example, the information processing device 60 outputs information indicating the calculated store fee by transmitting it to a destination previously specified in the acquirer system 30, the information processing center 20, the store terminal 10, etc. This allows the acquirer, the store, etc. to immediately know the store fee that the store must pay.

[0103] An example of the processing of the payment system has been described above, but the present invention is not limited to the above-described embodiment, and various modifications can be made within the scope of the claims.

[0104] For example, in the above embodiment, a credit card payment is used as an example of a payment method, but the payment method is not limited to this. Payment methods include debit card payment, prepaid card payment, electronic money payment, various code payments, various ID payments, convenience store payment, deferred payment, and any other payment method.

[0105] In addition, the stores covered include face-to-face member stores that conduct face-to-face transactions with customers, as well as non-face-to-face member stores that conduct non-face-to-face transactions via various communication means such as the Internet, telephone, and written documents without meeting customers face-to-face.

[0106] Depending on the payment method, the business structure and division of functions between the payment brand, payment method issuer, and acquirer may differ from those in the case of credit card payments described above. For example, the payment brand and payment method issuer may be the same business, the payment brand and acquirer may be the same business, or the acquirer and payment method issuer may be the same business. Even in such cases, the fee that the player acting as the acquirer must pay to the player acting as the payment method issuer corresponds to the issuer fee, and the fee added by the player acting as the acquirer corresponds to the additional fee. Therefore, even in such cases, the present invention can be applied in the same way as in the above embodiment.

[0107] For example, in the case of convenience store payment, the provider that offers the convenience store payment method is both the payment brand and the issuer that issues (provides) payment methods to customers. In some cases, the provider itself enters into a merchant agreement with a store and becomes the acquirer. However, in many cases, a payment agent that can handle other payment methods also enters into a merchant agreement with the provider, and the payment agent then enters into a merchant agreement with the store. In this case, the payment agent serves as the acquirer in this embodiment. The commission that the payment agent pays to the provider, which is also the issuer, is the issuer fee. The amount that the acquirer adds to the issuer fee corresponds to the additional fee. Therefore, in the case of convenience store payment, as in the case of credit card payment, the information processing device 60 can calculate the store fee that the store should pay, i.e., the fee to be paid to the acquirer, the payment agent, based on the issuer fee information and the additional fee information.

[0108] The deferred payment method is similar to the convenience store payment method. The provider that offers the deferred payment method is both the payment brand and the issuer that issues (provides) the payment method to the customer. When the payment agent concludes an affiliated store agreement with the provider and the payment agent concludes an affiliated store agreement with the store, the payment agent becomes the acquirer in this embodiment. Therefore, in the case of deferred payment, the information processing device 60 can calculate the store fee that the store should pay to the payment agent, which is the acquirer, based on the issuer fee information and additional fee information, just as in the case of credit card payment.

[0109] In the above embodiment, the issuer fee information is a rate that is set differently depending on the type of store, the type of payment method, etc., but this is not limiting. For example, a flat rate may be set as the issuer fee information, or a fixed amount instead of a rate may be set. Furthermore, the issuer fee information may be set in stages depending on the range of transaction amounts, and any judgment criteria or calculation formula, such as a combination of such amounts and rates, may be set.

[0110] In the above embodiment, the additional fee information is a rate that is set differently depending on the type of store, the type of payment method, etc., but this is not limiting. For example, a flat rate may be set as the additional fee information, or a fixed amount instead of a rate may be set. Furthermore, the additional fee information may be set in stages depending on the range of transaction amounts, and any judgment conditions or calculation formulas, such as a combination of such amounts and rates, may be set.

[0111] In addition, in the above embodiment, the issuer fee was described as a fee paid to the issuer in connection with the use of the payment method, but the issuer fee may also include, for example, a fee paid by the issuer to the payment brand.

[0112] Furthermore, in the above embodiment, an example has been described in which the information processing device 60 is connected to the acquirer system 30 to transmit and receive various information, but this is not limiting. For example, the information processing device 60 may be connected to the information processing center 20 to transmit and receive various information, or may be connected to the payment brand system 40 to transmit and receive various information. The information processing device 60 can be connected to any business operator or the like that is responsible for calculating and settling store fees to transmit and receive various information.

[0113] The payment system may also include devices other than the store terminal 10, the information processing center 20, the acquirer system 30, the payment brand system 40, the issuer system 50, and the information processing device 60, or may not include any of the components. Each of the store terminal 10, the information processing center 20, the acquirer system 30, the payment brand system 40, the issuer system 50, and the information processing device 60 may also include components other than those described above, or may not include some of the components described above.

[0114] Furthermore, the functions of each component may be realized by other components. For example, some of the functions described as being possessed by the information processing device 60 may be executed by the information processing center 20, the acquirer system 30, the payment brand system 40, or other components.

[0115] Furthermore, the store terminal 10, information processing center 20, acquirer system 30, payment brand system 40, issuer system 50, and information processing device 60 may each be composed of multiple devices, or may each be composed of a single device.

[0116] Furthermore, the processing in the billing support system according to the above-described embodiment may include steps other than those shown in the flowchart above, or may not include some of the steps described above. The order of the steps is not limited to that of the above-described embodiment. Furthermore, each step may be combined with other steps and executed as a single step, may be included in other steps, or may be divided into multiple steps and executed.

[0117] As described above, the information processing device 60 of this embodiment acquires transaction information from the sender of the transaction information, including store information, which identifies the store, payment method identification information, which identifies the payment method used by the customer, and amount information, which is information on the transaction amount. The information processing device 60 acquires issuer fee information, which is information for calculating the fee to be paid to the issuer that provides the payment method to the customer in connection with the use of the payment method in the transaction. The information processing device 60 determines additional fee information, which is information for calculating the store fee borne by the store in connection with the use of the payment method, and is information for calculating an additional fee to be added to the issuer fee. The information processing device 60 identifies the issuer of the payment method used in the transaction based on the payment method identification information included in the transaction information, and calculates the store fee based on the issuer fee information of the identified issuer, the additional fee information, and the transaction information. This allows the store fee borne by the store in connection with the use of the payment method, i.e., the affiliated store fee, to be calculated based on the issuer fee information and the additional fee information. Therefore, the affiliated store fee can be flexibly adjusted in response to changes in the store's transaction status and market.

[0118] Merchant fees are a source of revenue for acquirers. When accepting merchant applications and conducting their approval process, acquirers set merchant fee rates based on various factors, such as the merchant's industry and transaction details. While merchant fee rates may be revised at the request of the merchant or acquirer, they are not flexibly adjustable in response to changes in the merchant's transaction status or market conditions. Meanwhile, the fees that acquirers pay to payment instrument issuers for the use of payment instruments may fluctuate depending on the type of payment instrument used and the country of issuance. For example, if a merchant uses a credit card issued overseas at a store where the merchant fee rate is set assuming the use of a domestically issued credit card, the acquirer may incur a loss. In other words, the issuer fees that acquirers pay to issuers of overseas credit cards may be higher and exceed the merchant fee calculated based on a uniform merchant fee rate. Conversely, acquirers may set merchant fee rates too high in advance to avoid the above-mentioned risks, thereby increasing the merchant's expenses.

[0119] Therefore, according to an embodiment of the present invention, the merchant fee (store fee) can be calculated based on the issuer fee information and the set additional fee information, allowing the merchant fee to be flexibly adjusted in response to changes in the merchant's transaction status and the market. This allows the acquirer to set the merchant fee by adding the additional fee to the issuer fee, which is a major cost when conducting a transaction. Therefore, even if the merchant's transaction status or the market changes, the acquirer can promote its business with peace of mind without considering the risk of incurring a loss, as described above. Furthermore, since the acquirer no longer needs to set a uniformly high merchant fee rate in consideration of the above-mentioned risk, the merchant's fee burden can also be prevented from increasing. This makes it easier for merchants to introduce and use payment methods. Furthermore, since the acquirer's business risk is reduced and profitability is improved, the acquirer can further invest in improving the payment environment at the store, such as by introducing new payment terminals. This also improves customer convenience and further promotes the introduction and use of payment methods at stores.

[0120] Furthermore, for example, the issuer fee (also referred to as Interchange Reimbursement Fee: IRF) percentage for credit card payments is typically set high when the merchant's business type is not specifically identified. This is because it is unclear what type of merchant the payment will be made at, making the payment process risky, and because payment brands encourage acquirers who manage merchants to understand the merchant's business type in detail. For example, when registering a merchant in a merchant master (store master), an acquirer may specify an unclear business type, such as "other," rather than a specific business type. In this case, the issuer fee percentage is set high, which can lead to problems such as a squeeze on the acquirer's profits and an increase in the merchant's expenses. According to an embodiment of the present invention, the merchant's fees are calculated by adding a surcharge to the issuer fee, thereby preventing the acquirer's profits from being squeezed. Furthermore, in order to prevent the merchant from incurring a large expense, acquirers are encouraged to precisely understand and manage the merchant's business type.

[0121] In this embodiment, the additional fee information indicates the ratio of the additional fee to the transaction amount. The information processing device 60 sets the additional fee information so that the ratio of the additional fee varies depending on at least one of the payment brand that operates the payment method, the store's industry, the type of payment method, the country in which the payment method is issued, and the contract status between the issuer of the payment method and the store. This allows for more flexible adjustment of the affiliated store fee in response to changes in the store's transaction status and market.

[0122] In this embodiment, the issuer fee information is information that indicates the ratio of the issuer fee to the transaction amount, as determined by the payment brand. This allows, for example, in credit card payments, etc., to determine the merchant fee based on the issuer fee calculated based on the IRF determined by the payment brand.

[0123] In this embodiment, the issuer fee information is set so that the percentage of the issuer fee varies depending on at least one of the payment brand, the store's industry, the type of payment method, the issuing country of the payment method, and the contract status between the issuer of the payment method and the store. This makes it possible to determine the affiliated store fee based on the issuer fee, even if the issuer fee varies depending on the store's industry, the type of payment method, the issuing country of the payment method, etc.

[0124] In this embodiment, the information processing device 60 further acquires cycle information relating to the payment cycle of the money corresponding to the transaction amount to the store, and changes the additional fee information in accordance with the acquired cycle information. This allows the affiliated store fee to be appropriately adjusted, taking into consideration the burden, risk, profit, and advantage that arise depending on the payment cycle to the store.

[0125] In this embodiment, the information processing device 60 further acquires payment terminal information relating to the type of payment terminal used to execute a transaction at the store, and changes the additional fee information according to the acquired payment terminal information. This allows the affiliated store fee to be appropriately adjusted, taking into consideration the burden, risk, profit, and advantage that arise depending on the type of payment terminal used at the store.

[0126] In this embodiment, the information processing device 60 further acquires transaction unit price information relating to the unit price of the transaction amount at the store, and changes the additional fee information according to the acquired transaction unit price information. This allows the affiliated store commission to be appropriately adjusted according to the unit price of the transaction amount at the store.

[0127] In this embodiment, the information processing device 60 further acquires fraudulent transaction information relating to the probability of fraudulent transactions occurring at the store or the amount of damage caused by fraudulent transactions, and changes the additional fee information in accordance with the acquired fraudulent transaction information. This allows the affiliated store commission to be appropriately adjusted, taking into account the burden and risk incurred in accordance with the probability of fraudulent transactions occurring at the store or the amount of damage caused by fraudulent transactions.

[0128] Furthermore, in this embodiment, information processing device 60 further acquires information on the payment service provider or payment system information on the payment network, and changes the additional fee information in accordance with the acquired payment system information. This allows the affiliated store fee to be appropriately adjusted, taking into account the costs of the payment service provider used by the store or the payment network connected to the store.

[0129] In this embodiment, the information processing device 60 further acquires input method information regarding the method of inputting the payment method identification information for the transaction executed at the store, and changes the additional fee information according to the acquired input method information. This allows the affiliated store fee to be appropriately adjusted, taking into consideration the burden, risk, profit, and advantage that arise depending on the method of inputting the payment method identification information for the transaction executed at the store.

[0130] Furthermore, in this embodiment, the information processing device 60 accepts the setting of conditions for changing the additional charge information and changes the additional charge information taking the accepted conditions into further consideration. This allows various conditions for changing the additional charge information to be set and the additional charge information to be changed according to the conditions, making it possible to adjust the affiliated store commission more flexibly in accordance with the store's transaction status and market changes.

[0131] Furthermore, when calculating the store fee, the calculation is based on the issuer fee information determined by the payment brand, so it is also possible to calculate and check the issuer fee.

[0132] The means and methods for performing various processes in each device of the system according to the above-described embodiment can be realized by either a dedicated hardware circuit or a programmed computer. The program may be provided, for example, on a computer-readable recording medium such as a CD-ROM (Compact Disc Read Only Memory), or online via a network such as the Internet. In this case, the program recorded on the computer-readable recording medium is typically transferred to and stored in a storage unit such as a hard disk. The program may also be provided as standalone application software, or may be incorporated into the software of each device in the system as a function of that device. [Explanation of symbols]

[0133] 10 store terminals, 11 control section, 12 storage section, 13 Communications Department, 14 Display section, 15 Operation reception unit, 16 reading unit, 20 Information Processing Center (PSP System), 21 control section, 22 Memory section, 23 Communications Department, 24 Display section, 25 Operation reception unit, 26 buses, 30 Acquirer System, 31 control section, 32 storage section, 33 Communications Department, 34 Display section, 35 Operation reception unit, 36 bus, 40 payment brand systems, 41 control section, 42 Memory section, 43 Communications Department, 44 Display section, 45 Operation reception unit, 46 bus, 50 Issuer System, 51 control section, 52 Memory section, 53 Communications Department, 54 Display section, 55 Operation reception unit, 56 bus, 60 Information processing device, 61 control section, 611 Transaction information acquisition unit, 612 issuer fee information acquisition unit; 613 additional charge information determination unit; 614 calculation unit, 615 cycle information acquisition unit, 616 payment terminal information acquisition unit, 617 Unit Price Information Acquisition Unit, 618 Fraudulent Transaction Information Acquisition Department, 619 Payment System Information Acquisition Department; 61A input method information acquisition unit, 61B Reception Department, 62 Memory section, 63 Communications Department, 64 Display section, 65 Operation reception unit, Bus 66.

Claims

1. a transaction information acquisition unit that acquires transaction information from a sender of the transaction information, the transaction information including store information, which is identification information of the store where the customer conducts the transaction, payment means identification information for identifying the payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction; an issuer fee information acquisition unit that acquires issuer fee information, which is information used by an acquirer that has concluded an affiliated store contract with the store regarding the payment means to calculate an issuer fee to be paid to an issuer that provides the payment means to the customer in connection with the use of the payment means in the transaction; an additional fee information determination unit that determines additional fee information, which is information for calculating an additional fee to be added by the acquirer to the issuer fee; a calculation unit that identifies the issuer of the payment method used in the transaction based on the payment method identification information included in the transaction information, and calculates a store fee, which is a merchant fee to be paid by the store to the acquirer in the transaction in connection with the use of the payment method, as the sum of the issuer fee and the additional fee based on the issuer fee information of the identified issuer, the additional fee information, and the transaction information; An information processing device having the above.

2. a transaction information acquisition unit that acquires transaction information from a sender of the transaction information, the transaction information including store information, which is identification information of the store where the customer conducts the transaction, payment means identification information for identifying the payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction; an issuer fee information acquisition unit that acquires issuer fee information, which is information for calculating an issuer fee to be paid to an issuer that provides the payment means to the customer in connection with the use of the payment means in the transaction; an additional fee information determination unit that determines additional fee information, which is information for calculating a store fee that the store will pay in the transaction when the payment method is used, and is information for calculating an additional fee to be added to the issuer fee; a calculation unit that identifies the issuer of the payment method used in the transaction based on the payment method identification information included in the transaction information, and calculates the store fee based on the issuer fee information of the identified issuer, the additional fee information, and the transaction information; and The additional fee information is information indicating the ratio of the additional fee to the transaction amount, the additional charge information determination unit sets the additional charge information so that the rate of the additional charge varies depending on at least one of a payment brand that operates the payment means, the type of business of the store, the type of the payment means, the issuing country of the payment means, and the contract status between the issuer of the payment means and the store; The issuer fee information is information indicating the ratio of the issuer fee to the transaction amount, determined by the payment brand.

3. 3. The information processing device according to claim 2, wherein the issuer fee information is set so that the rate of the issuer fee varies depending on at least one of the payment brand, the type of business of the store, the type of payment method, the country in which the payment method is issued, and the contract status between the issuer of the payment method and the store.

4. a cycle information acquisition unit that acquires cycle information relating to a cycle of payment of money corresponding to the transaction amount to the store; 4. The information processing device according to claim 1, wherein the additional charge information determination unit changes the additional charge information in accordance with the cycle information.

5. a payment terminal information acquisition unit that acquires payment terminal information relating to the type of payment terminal used to execute the transaction at the store; 4. The information processing device according to claim 1, wherein the additional fee information determination unit changes the additional fee information in accordance with the payment terminal information.

6. The method further includes a unit price information acquisition unit that acquires transaction unit price information relating to the unit price of the transaction amount at the store, 4. The information processing device according to claim 1, wherein the additional charge information determination unit changes the additional charge information in accordance with the transaction unit price information.

7. The store further includes a fraudulent transaction information acquisition unit that acquires fraudulent transaction information relating to the probability of fraudulent transactions occurring at the store or the amount of damage caused by fraudulent transactions, 4. The information processing device according to claim 1, wherein the additional charge information determination unit changes the additional charge information in accordance with the fraudulent transaction information.

8. a payment system information acquisition unit that acquires information about a payment service provider used in the store or payment system information about a payment network connected to the store; 4. The information processing device according to claim 1, wherein the additional charge information determination unit changes the additional charge information in accordance with the payment system information.

9. an input method information acquisition unit that acquires input method information regarding a method for inputting the payment method identification information in the transaction executed at the store; 4. The information processing device according to claim 1, wherein the additional fee information determination unit changes the additional fee information in accordance with the input method information.

10. a reception unit that receives settings of conditions for changing the additional charge information; 4. The information processing device according to claim 1, wherein the additional charge information determination unit changes the additional charge information by further considering the condition accepted by the acceptance unit.

11. a transaction information acquisition step in which the computer acquires, from a sender of the transaction information, transaction information including store information, which is identification information of the store where the customer will make a transaction, payment means identification information for identifying the payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction; an issuer fee information acquisition step in which a computer acquires issuer fee information, which is information used by an acquirer that has concluded an affiliated store contract with the store regarding the payment means to calculate an issuer fee to be paid to an issuer that provides the payment means to the customer, in connection with the use of the payment means in the transaction; an additional fee information determination step in which a computer determines additional fee information, which is information for calculating an additional fee to be added by the acquirer to the issuer fee; a calculation step in which the computer identifies the issuer of the payment method used in the transaction based on the payment method identification information included in the transaction information, and calculates a store fee, which is a merchant fee to be paid by the store to the acquirer in the transaction in connection with the use of the payment method, as the sum of the issuer fee and the additional fee based on the issuer fee information of the identified issuer, the additional fee information, and the transaction information; An information processing method comprising:

12. a transaction information acquisition step in which the computer acquires, from a sender of the transaction information, transaction information including store information, which is identification information of the store where the customer will make a transaction, payment means identification information for identifying the payment means used by the customer in the transaction, and amount information, which is information on the transaction amount in the transaction; an issuer fee information acquisition step in which the computer acquires issuer fee information, which is information for calculating an issuer fee to be paid to an issuer that provides the payment means to the customer in connection with the use of the payment means in the transaction; an additional fee information determination step in which a computer determines additional fee information, which is information for calculating a store fee to be borne by the store in the transaction in association with the use of the payment instrument, and is information for calculating an additional fee to be added to the issuer fee; a calculation step in which the computer identifies the issuer of the payment method used in the transaction based on the payment method identification information included in the transaction information, and calculates the store fee based on the issuer fee information of the identified issuer, the additional fee information, and the transaction information; and The additional fee information is information indicating the ratio of the additional fee to the transaction amount, the additional charge information determination step sets the additional charge information so that the rate of the additional charge varies depending on at least one of a payment brand that operates the payment means, the type of business of the store, the type of the payment means, the country of issue of the payment means, and the contract status between the issuer of the payment means and the store; An information processing method, wherein the issuer fee information is information indicating a ratio of the issuer fee to the transaction amount, determined by the payment brand.

13. An information processing program for causing a computer to function as the information processing device according to any one of claims 1 to 3.

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