Payment method receiving device, payment method management system, control method for payment method receiving device, and control program for payment method receiving device

Abstract

To provide a payment method receiving device, etc., that can smoothly collect "fees related to cross-border transactions" such as credit cards only when applicable. [Solution] A currency conversion unit 104 that generates a currency information of the issuing country for settlement based on the currency information of the region to be settled, the currency information of the issuing country, and the exchange rate information; a foreign additional fee information generation unit 106 that generates a foreign additional fee information for settlement based on the currency information of the region to be settled and the foreign additional fee information; and a settlement means receiving device 10 that generates first settlement display information based on the currency information of the region to be settled and the foreign additional fee information for settlement, displays it on the display unit 13, and also displays the currency information of the issuing country for settlement.

Description

Technical Field

[0004] ,

[0005] , , , ,

[0001] The present invention relates to a payment means acceptance device that accepts payment means such as credit cards, a payment means management system, a control method for the payment means acceptance device, and a control program for the payment means acceptance device.

Background Art

[0002] Conventionally, when a Japanese visitor or the like who holds a foreign-issued credit card issued abroad comes to Japan, a system has been proposed that allows payment with that foreign-issued credit card at Japanese stores and the like without having to carry Japanese yen cash (for example, Patent Document 1). Such a system is made possible because a credit card franchise management company licensed by an international brand (a company that has a global payment network) management company in Japan also functions as a window for settling these foreign-issued credit cards.

[0003] And, each time a Japanese credit card franchise management company accepts a foreign-issued credit card, it pays a "fee for cross-border transactions" to the international brand company that licenses the credit card. This fee has been offset by franchise fees and the like that the Japanese credit card franchise management company obtains from franchisees. Such handling was possible because the number of users of foreign-issued credit cards in Japan was relatively small.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] However, due to the significant increase in foreign tourists visiting Japan in recent years, the frequency of using foreign-issued credit cards as a payment method at stores and other establishments in Japan has increased. Consequently, the burden of "cross-border transaction fees" on credit card merchant management companies in Japan that are licensed by international brands and serve as payment processing points for these foreign-issued credit cards has also increased. This burden has grown to an extent that cannot be covered by merchant fees alone, and resolving this burden has become a challenge.

[0006] Furthermore, because this "cross-border transaction fee" is incurred only in the case of specific uses of foreign-issued credit cards, it was not possible to uniformly collect a fee equivalent to the "cross-border transaction fee" from credit card users, and there were challenges in the method of collection.

[0007] Therefore, the present invention aims to provide a payment method receiving device, a payment method management system, a control method for the payment method receiving device, and a control program for the payment method receiving device that can smoothly collect "fees related to cross-border transactions" such as credit cards only when applicable. [Means for solving the problem]

[0008] The above purpose, in the present invention, is to settle payments when providing goods or services. Foreign-issued foreign-issued A payment method receiving device that accepts payment methods, wherein the payment method receiving device is located Japan In the above Foreign-issued Payment subject to payment request via payment method Japan Currency information JPY A payment target regional currency information storage unit that stores information, and the payment means receiving device that receives the information Foreign-issued Based on the identification information of the payment method, Foreign-issued A country issuing currency information determination unit that identifies the issuing country of a payment method and the issuing country currency information which is the currency information of that issuing country, and a country issuing currency information storage unit that stores the issuing country currency information identified by the country issuing currency information determination unit, and JPYBased on the information, the issuing country currency information and the exchange rate information, JPY A currency conversion unit for the region of use that generates currency information of the issuing country of the country of use that corresponds to the information, and a currency information storage unit for the issuing country of use that stores the currency information of the issuing country of use that generates the currency information of the issuing country of use that generates the currency conversion unit for the region of use, and JPY Information and foreign countries Surcharge rate Based on the information foreign surcharge Generate fee information Foreign surcharge The fee information generation unit and the aforementioned Foreign surcharge The above generated by the fee information generation unit Foreign surcharge Remember fee information Foreign surcharge The fee information storage unit and the aforementioned JPY Information and the above Foreign surcharge A first settlement display information display unit generates and displays first settlement display information for settlement based on fee information, and the first settlement display information displays the currency of the issuing country of the settlement target. The aforementioned The display unit includes a second payment information display unit that displays information on the display unit. Furthermore, the foreign surcharge fee information is transmitted to the payment method management device only when the user selects the first payment display information from the first payment display information and the currency information of the issuing country of the payment target, which are simultaneously displayed on the display unit. This is achieved by a payment method acceptance device characterized by the following:

[0009] According to the above configuration, the system has a currency conversion unit that generates currency information for the issuing country of settlement (e.g., 14,000 yen, 1$=140 yen=100$) that corresponds to the currency information for Furthermore, it also has a foreign additional fee information generation unit that generates foreign additional fee information (e.g., 280 yen) related to the foreign additional fee information for the settlement target, based on the local currency information for settlement target and foreign additional fee information (e.g., 2%). Furthermore, it has a first settlement display information display unit that generates and displays first settlement display information (e.g., 14,280 yen) for settlement based on settlement target regional currency information and settlement target foreign additional fee information, and a second settlement display information display unit that displays settlement target issuing country currency information (e.g., 100$) on the display unit.

[0010] Thus, in the present invention, the amount is displayed on the display unit only when a "foreign additional fee" is required for a payment means issued abroad. Therefore, the "foreign additional fee" can be smoothly collected only when applicable. Furthermore, according to the above configuration, if additional foreign transaction fee information is generated and the user requests that such additional foreign transaction fee information be generated, the additional foreign transaction fee is recorded as "sales" in the second payment method management device. Therefore, additional fees for foreign countries where settlements are made can be charged simply and appropriately.

[0011] Preferably, in the payment means receiving device, The payment method is a credit card, and the payment method receiving device is a CAT (Credit Authorization Terminal) terminal. characterized in that it is as follows.

[0013] In the present invention, the object is to provide a payment means management system having a payment means receiving device for receiving a payment means for settlement when providing a product or service, a foreign-issued payment means management device for managing the foreign-issued payment means, and a payment means management device capable of communicating with these, Foreign-issued foreign-issued in which, in the location where the payment means receiving device is located, Foreign-issued a settlement target use area currency information storage unit for storing information which is the currency information of a settlement target for which settlement is requested by the payment means, an issuing country currency information determination unit for specifying the issuing country of the payment means and the issuing country currency information which is the currency information of the issuing country based on the identification information of the payment means received by the payment means receiving device, an issuing country currency information storage unit for storing the issuing country currency information specified by the issuing country currency information determination unit, an exchange rate information storage unit for storing the exchange rate information between the issuing country currency information and the use area currency information, The aforementioned payment means receiving device is a use area currency conversion unit for generating settlement target issuing country currency information corresponding to the information based on the information, the issuing country currency information and the exchange rate information, a settlement target issuing country currency information storage unit for storing the settlement target issuing country currency information generated by the use area currency conversion unit, Japan an information storage unit for storing information regarding the information, Foreign-issued information storage unit for storing information regarding the information, Japan information storage unit for storing information regarding the information, JPY information storage unit for storing information regarding the information, Foreign-issued information storage unit for storing information regarding the information, Foreign-issued information storage unit for storing information regarding the information, JPY information storage unit for storing information regarding the information, JPY information storage unit for storing information regarding the information, JPY information storage unit for storing information regarding the information, Foreign surcharge rate information storage unit for storing information regarding the information, Foreign surcharge information storage unit for storing information regarding the information, JPY information storage unit for storing information regarding the information, Foreign surcharge rate Based on the information foreign surcharge Generate fee information Foreign surcharge The fee information generation unit and the aforementioned Foreign surcharge The above generated by the fee information generation unit Foreign surcharge Remember fee information Foreign surcharge The fee information storage unit and the aforementioned JPY Information and the above Foreign surcharge A first settlement display information display unit generates and displays first settlement display information for settlement based on fee information, and the first settlement display information displays the currency of the issuing country of the settlement target. The aforementioned The display unit includes a second payment information display unit that displays information on the display unit. Furthermore, the foreign surcharge fee information is transmitted to the payment method management device only when the user selects the first payment display information from the first payment display information and the currency information of the issuing country of the payment target, which are simultaneously displayed on the display unit. This is achieved by a payment method management system characterized by the following:

[0014] The aforementioned objective, in the present invention, is to settle payments when providing goods or services. Foreign-issued foreign-issued A control method for a payment method receiving device that accepts payment methods, wherein the payment method receiving device is located Japan In the above Foreign-issued Payment subject to payment request via payment method Japan Currency information JPY The information is stored in the payment target currency information storage unit, and the issuing country currency information determination unit determines the payment means receiving device Foreign-issued Based on the identification information of the payment method, Foreign-issued The issuing country of the payment method and the currency information of that issuing country In the report The issuing country currency information is identified by the issuing country currency information determination unit, the issuing country currency information identified by the issuing country currency information determination unit is stored in the issuing country currency information storage unit, and the local currency conversion unit determines the JPY Based on the information, the issuing country currency information and the exchange rate information, JPY The system generates settlement target issuing country currency information corresponding to the information, and stores the settlement target issuing country currency information generated by the currency conversion unit in the settlement target issuing country currency information storage unit. Foreign surcharge The fee information generation unit, JPY Information and foreign countries Surcharge rate Based on the information foreign surcharge Generate fee information death , the above Foreign surcharge The above generated by the fee information generation unit Foreign surcharge Fee information Foreign surcharge The fee information is stored in the fee information storage unit, and the first settlement display information display unit displays the fee information. JPY Information and the above Foreign surcharge Based on the fee information, a first settlement display information is generated for settlement and displayed on the display unit, and the second settlement display information display unit displays the currency information of the issuing country of the settlement target. The aforementioned Display on the display unit Furthermore, the foreign surcharge fee information is transmitted to the payment method management device only when the user selects the first payment display information from the first payment display information and the currency information of the issuing country of the payment target, which are simultaneously displayed on the display unit. This is achieved by a control method for a payment method receiving device, characterized by the following:

[0015] The above purpose, in the present invention, is to settle payments when providing goods or services. Foreign-issued foreign-issued The payment method receiving device that accepts payment methods is located where the payment method receiving device is located. Japan In the above Foreign-issued Payment subject to payment request via payment method Japan Currency information JPY The process involves storing the information in the currency information storage unit for the region used for settlement, and the issuing country currency information determination unit receives the settlement means. Device The above received Foreign-issued Based on the identification information of the payment method, Foreign-issued The process of identifying the issuing country of the payment method and the issuing country currency information, which is the currency information of that issuing country; the process of storing the issuing country currency information identified by the issuing country currency information determination unit in the issuing country currency information storage unit; and the process of the usage region currency conversion unit, JPY Based on the information, the issuing country currency information and the exchange rate information, JPY A step of generating settlement target issuing country currency information corresponding to the information; a step of storing the settlement target issuing country currency information generated by the usage region currency conversion unit in the settlement target issuing country currency information storage unit. Foreign surcharge The fee information generation unit, JPY Information and foreign countries Surcharge rate Based on the information foreign surcharge The process of generating fee information, the Foreign surcharge The above generated by the fee information generation unit Foreign surcharge Fee information Foreign surcharge The process of storing the fee information in the fee information storage unit, the first settlement display information display unit, JPY Information and the above Foreign surchargeThe process involves generating first settlement display information for settlement based on fee information and displaying it on the display unit, and the second settlement display information display unit displays the currency information of the issuing country of the settlement target. The aforementioned The process of displaying on the display unit, A step of transmitting the foreign surcharge fee information to the payment method management device only when the first payment display information is selected by the user from among the first payment display information and the payment target issuing country currency information that are simultaneously displayed on the display unit. This is achieved by a control program for the payment method receiving device that enables this process. [Effects of the Invention]

[0016] As described above, the present invention has the advantage of providing a payment method receiving device, a payment method management system, a control method for the payment method receiving device, and a control program for the payment method receiving device that can smoothly collect "fees related to cross-border transactions" such as credit cards only when applicable. [Brief explanation of the drawing]

[0017] [Figure 1] This is a schematic diagram showing, for example, "Foreign Surcharge Management System 1," which is a payment means management system of the present invention. [Figure 2] Figure 1 is a schematic block diagram showing the main components of the CAT terminal 10. [Figure 3] Figure 2 is a schematic block diagram showing the main contents of the various information storage units 100 on the CAT side. [Figure 4] Figure 1 is a schematic block diagram showing the main configuration of the credit card merchant management server 200. [Figure 5] This is a schematic flowchart illustrating the main operational examples of the Foreign Surcharge Management System 1. [Figure 6] This is another flowchart illustrating the main operation examples of the Foreign Surcharge Management System 1. [Figure 7] This is a schematic diagram illustrating an example of a screen displayed on the touch panel 13 in ST8 and ST9. [Modes for carrying out the invention]

[0018] Hereinafter, preferred embodiments of this invention will be described in detail with reference to the accompanying drawings and other materials. The embodiments described below are preferred examples of the present invention and are subject to various technically preferred limitations. However, the scope of the present invention is not limited to these embodiments unless otherwise stated in the following description.

[0019] (Foreign Surcharge Management System 1) Figure 1 is a schematic diagram showing, for example, "Foreign Surcharge Management System 1," which is a payment means management system of the present invention. As shown in Figure 1, the system 1 includes, for example, a "credit card 30" which is a payment method held by a foreign visitor F to Japan, a "POS device (Point of Sales) 20" which is a point-of-sale information management device placed in, for example, a store S that provides goods or services, and a "CAT terminal (Credit Authorization Terminal) 10" which is a payment method acceptance device that accepts the credit card 30.

[0020] Furthermore, System 1 includes a payment method management device, such as a "Credit Card Merchant Management Server 200" that manages credit cards issued in Japan within the country; a foreign-issued payment method management device, such as a "Foreign-Issued Credit Card Management Server 400" that manages credit cards issued in foreign countries; and an "International Brand Management Server 300" that possesses a global payment network.

[0021] Furthermore, System 1 has a "network 2" that enables these POS devices 20, CAT terminals 10, credit card merchant management server 200, and foreign-issued credit card management server 400 to communicate with each other.

[0022] (Credit card 30) Credit card 30 in Figure 1 is a credit card issued in a foreign country (such as the US) (an example of an issuing country) and held by a foreign visitor F, etc. A credit card 30 has, for example, an "IC chip (integrated circuit) 31," which stores the card number (an example of identification information), etc.

[0023] Here, credit card 30 is a payment method that allows you to pay later when purchasing goods or services. Users (such as foreign visitors to Japan F) can pay up to their set limit by presenting their credit card 30, and will receive a bill from the card company at a later date for payment. Furthermore, the payment means of the present invention includes not only the credit card 30 in this embodiment, but also debit cards and prepaid cards, and the credit card 30 also includes magnetic stripe type cards.

[0024] (POS device 20 and CAT terminal 10) The POS device 20 shown in Figure 1 is installed in a store S located in Japan (an example of a region of use), and the CAT terminal 10 is integrated into this POS device 20. Here, "POS device 20" is an abbreviation for "Point of Sales" device, which means point-of-sale information management and is a system that manages sales, inventory, customer information, etc., of products at stores S, etc.

[0025] In this embodiment, the POS device 20 includes not only a POS device 20 installed in a store S or the like to perform payment processing, but also payment processing in electronic commerce, which is a transaction in which goods and services are bought and sold over a network.

[0026] Furthermore, "CAT device" is an abbreviation for "Credit Authorization Terminal" device, which is a credit inquiry terminal and is a device used to process transactions when a customer makes a payment using a credit card 30.

[0027] (Credit card merchant management server 200) The credit card merchant management server 200 manages credit cards issued in Japan, enters into contracts with stores S, etc., and also manages the CAT terminals 10.

[0028] (Foreign-issued credit card management server 400) The foreign-issued credit card management server 400 manages foreign-issued credit cards and requests a "foreign surcharge (an example of information on additional fees for foreign transactions)" when the credit card 30 is used in a territory other than the issuing country.

[0029] (International brand management server 300) The international brand management server 300 functions as a network to mediate transactions between the credit card merchant management server 200 and the foreign-issued credit card management server 400.

[0030] Furthermore, the "System 1" in Figure 1, including the POS device 20, CAT terminal 10, credit card merchant management server 200, foreign-issued credit card management server 400, and international brand management server 300, all have computers equipped with a CPU (Central Processing Unit), RAM (Random Access Memory), ROM (Read Only Memory), and hard disk, and are connected via a bus.

[0031] (Main components of CAT terminal 10) Figure 2 is a schematic block diagram showing the main components of the CAT terminal 10 shown in Figure 1. As shown in Figure 2, the CAT terminal 10 has a "CAT side control unit 11," which has a "CAT side communication device 12" for communicating with other devices shown in Figure 1, and a display unit such as a "touch panel 13" that inputs and displays various information. Here, the touch panel 13 is an electronic component that combines a display unit, such as a screen, with a position input device, and is an input device that allows users to input various types of information by touching the display on the screen.

[0032] Furthermore, the control unit 11 has a "CAT-side various information storage unit 100" as shown in Figure 2. Figure 3 is a schematic block diagram showing the main contents of the various information storage units 100 on the CAT side shown in Figure 2. These contents will be described later.

[0033] (Credit card merchant management server 200) Figure 4 is a schematic block diagram showing the main components of the credit card merchant management server 200 shown in Figure 1. As shown in Figure 4, the credit card merchant management server 200 has a "server-side control unit 201," which controls a "server-side communication device 202" for communicating with other devices shown in Figure 1, a "server-side display 203" for displaying various information, and a "server-side various information input device 204" for inputting various information. Furthermore, the control unit 201 also controls the "exchange rate information storage unit 205," the "foreign surcharge information storage unit (an example of a foreign additional fee information storage unit) 206," and the "server-side various information storage units 207," as shown in Figure 4. The contents of these blocks will be described later.

[0034] (Examples of main operations of Foreign Surcharge Management System 1) Figures 5 and 6 are schematic flowcharts illustrating the main operational examples of the foreign surcharge management system 1. In this embodiment, we will explain in detail below an example where a foreign visitor F uses a credit card 30 issued in their home country (US: United States) to purchase "product (an example of a payment item) G" at a store S in Japan.

[0035] First, in step 1 of Figure 5 (hereinafter referred to as "ST"), a foreign visitor F who possesses a foreign (US) issued credit card 30 goes to the POS terminal of store S in Japan to purchase product G, and requests the store S staff to purchase product G (price information: 14,000 yen (an example of payment target local currency information)).

[0036] Next, the process moves to ST2. In ST2, when the staff inputs the price information for product G into the POS device 20, this price information is stored via the POS device 20 in the "Purchase Price Information Storage Unit (an example of a Payment Target Local Currency Information Storage Unit) 101" of the CAT terminal 10 shown in Figure 3.

[0037] Next, proceed to ST3. In ST3, the foreign visitor F informs the staff that they wish to pay with credit card 30 and has the CAT terminal 10 read the information (card number) stored in the IC chip 31 of their credit card 30.

[0038] Next, the process moves to ST4. In ST4, the CAT terminal 10 transmits the "card number" information of the credit card 30 to the credit card merchant management server 200 via the network 2 shown in Figure 1.

[0039] Next, the process proceeds to ST5. In ST5, the "Issuing Country Currency Information Determination Unit 102" in Figure 3 of the CAT terminal 10 operates to identify the issuing country of the credit card 30 (e.g., the US) and its currency information, the issuing country currency information (e.g., US dollars), and stores it in the "Issuing Country Currency Information Storage Unit 103" of the CAT terminal 10.

[0040] Furthermore, the credit card merchant management server 200 shown in Figure 1 has an "exchange rate information storage unit 205" as shown in Figure 4, and this storage unit 205 stores yen-US dollar exchange rate information (an example of exchange rate information).

[0041] In ST6, the "Local Currency Conversion Unit 104" in Figure 3 of the CAT terminal 10 operates and generates foreign currency settlement display information (an example of settlement target issuing country currency information) of 100$ (14,000 yen ÷ 140 yen (1$)) corresponding to the price information (14,000 yen) based on the price information of product G in the purchase price information storage unit (14,000 yen), the US dollar information in the issuing country currency information storage unit 103, and the yen-US dollar exchange rate information (1$ = 140 yen) in the exchange rate information storage unit 205 of the credit card merchant management server 200. Then, $100 is stored in the "Currency Information Storage Unit 105 of the Payment Target Issuing Country" of the CAT terminal 10.

[0042] Furthermore, the credit card merchant management server 200 has a "foreign surcharge information storage unit 206," which stores foreign surcharge rate information (2% (an example of foreign additional fee information)) related to price information (14,000 yen). This foreign surcharge rate information (2%) corresponds to the "cross-border transaction fee" that the management company managing the aforementioned credit card merchant management server 200 pays to the international brand company that licenses the credit card each time it accepts a credit card issued in a foreign country.

[0043] Next, the process proceeds to ST7. In ST7, the "Foreign Surcharge Information Generation Unit (an example of a foreign additional fee information generation unit for settlement) 106" of the CAT terminal 10 (Figure 3) operates and generates foreign surcharge fee information (280 yen) for the price information of product G (14,000 yen) based on the price information of product G (14,000 yen) in the purchase price information storage unit 101 and the foreign surcharge rate information (2%) in the foreign surcharge information storage unit 206 of the credit card merchant management server 200.

[0044] Then, the foreign surcharge fee (280 yen) is stored in the foreign surcharge fee information storage unit of the CAT terminal 10 (an example of a foreign additional fee information storage unit for settlement). Thus, in this embodiment, the necessary "foreign surcharge fee information" can be generated quickly.

[0045] Next, the process proceeds to ST8. In ST8, the "First Payment Display Information Display Unit 107" of the CAT terminal 10 (Figure 3) operates and displays Japanese yen payment display information 13a (14,280 yen: an example of the first payment display information) on the touch panel 13 of the CAT terminal 10, based on the price information of product G (14,000 yen) and foreign surcharge fee information (280 yen).

[0046] Furthermore, ST9 is executed simultaneously with ST8. That is, the "second settlement information display unit 108" of the CAT terminal 10 is activated, and the foreign currency settlement display information 13b (100$) from the settlement target issuing country currency information storage unit 105 is also displayed on the touch panel 13 of the CAT terminal 10.

[0047] Figure 7 is a schematic diagram showing examples of screens displayed on the touch panel 13 in ST8 and ST9. As shown in Figure 7, Japanese yen settlement information 13a (14,280 yen) and foreign currency settlement information 13b (100 dollars) are displayed simultaneously.

[0048] Next, the foreign visitor F selects either "14,280 yen (Japanese yen payment information) 13a" or "100$ (foreign currency payment information) 13b" displayed on the touch panel 13 of the CAT terminal 10.

[0049] In ST11, the process proceeds to ST12 only if the foreign visitor F selects "14,280 yen (Japanese yen payment information) 13a". ST12 sends the "Foreign Surcharge Fee (280 yen)" to the credit card merchant management server 200. Subsequently, the data is sent to the foreign-issued credit card management server 400 via the international brand management server 300.

[0050] On the other hand, if "Japanese Yen Payment Display Information" is not selected in ST11, the process proceeds to ST13. In ST13, if the foreign visitor F selects "Foreign Currency Payment Display Information (100$) 13b", the specified information is sent to the foreign-issued credit card management server 400 via the credit card merchant management server 200 and the international brand management server 300 without collecting a "Foreign Surcharge Fee" from the foreign visitor F.

[0051] As described above, according to this embodiment, there is a currency conversion unit that generates settlement target issuing country currency information (14,000 yen, 1$ = 140 yen = 100$) corresponding to the price information of product G, based on the price information (14,000 yen, etc.), issuing country currency information (US dollars, etc.), and yen-dollar exchange rate. Furthermore, it also has a foreign surcharge information generation unit that generates foreign surcharge fee information (280 yen, etc.) related to the price information (14,000 yen, etc.) of product G, based on the price information (14,000 yen, etc.) and foreign surcharge rate information (2%, etc.) of product G.

[0052] Furthermore, it has a first settlement information display unit 107 that generates Japanese yen settlement display information (e.g., 14,280 yen) 13a for settlement based on the price information of product G (e.g., 14,000 yen) and foreign surcharge rate information (e.g., 2%) and displays it on the touch panel 13 of the CAT terminal 10, and a second settlement information display unit 108 that displays foreign currency settlement display information (e.g., 100$) 13b on the touch panel 13.

[0053] Thus, in this embodiment, the amount of the "foreign surcharge fee" is displayed on the touch panel 13 of the CAT terminal 10 only when it is required for a credit card 30 issued in a foreign country. Therefore, the "foreign surcharge fee" can be collected smoothly only when applicable. Furthermore, according to this embodiment, if a "foreign surcharge fee" is incurred and the user requests that such a foreign surcharge fee be incurred, the foreign surcharge fee is stored as a "sale" on the foreign-issued credit card management server. Therefore, foreign surcharge fees can be charged simply and appropriately.

[0054] In the embodiments described above, the case where the invention is implemented as a device was given as an example, but the present invention is not limited thereto, and may be stored and distributed as a program that can be executed by a computer on a storage medium such as a magnetic disk (floppy disk, hard disk, etc.), optical disk (CD-ROM, DVD, etc.), magneto-optical disk (MO), or semiconductor memory.

[0055] Furthermore, the storage medium only needs to be capable of storing programs and be readable by a computer. The storage format of the storage medium is not particularly limited.

[0056] Furthermore, an operating system (OS) running on a computer, or middleware (MW) such as database management software or network software, may execute some of the processes necessary to realize this embodiment based on instructions from a program installed on the computer from a storage medium.

[0057] Furthermore, the storage medium in this invention is not limited to a medium independent of the computer, but also includes a storage medium that stores or temporarily stores programs that have been downloaded via a LAN, the Internet, or the like.

[0058] Furthermore, the computer in this invention only needs to execute each process in this embodiment based on a program stored in a storage medium, and may be a device consisting of a single personal computer or the like, or a system in which multiple devices are connected via a network.

[0059] Furthermore, the term "computer" in this invention is not limited to personal computers, but also includes arithmetic processing units, microcontrollers, and the like included in information processing equipment, and refers collectively to any equipment or device capable of realizing the functions of this invention through a program.

[0060] Embodiments of the present invention have been described above. However, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the scope of the claims. The configurations of the above embodiments can be partially omitted or combined in any way different from those described above.

[0061] In this embodiment, the description mainly focused on the case where each storage unit and processing unit is located in the CAT terminal 10. However, the present invention is not limited to this, and such storage units and processing units may also be located in the POS device 20. Furthermore, they may be located separately in the CAT terminal 10, the POS device 20, and the credit card merchant management server 200. [Explanation of Symbols]

[0062] 1...Foreign surcharge management system, 2...Network, 10...CAT terminal, 11...CAT-side control unit, 12...CAT-side communication device, 13...Touch panel, 20...POS device, 30...Credit card, 31...IC chip, 100...CAT terminal-side various information storage unit, 101...Server-side control unit, 102...Issuing country currency information determination unit, 103...Issuing country currency information storage unit, 104...Usage region currency conversion unit, 105...Settlement target issuing country currency information storage unit, 106...Foreign surcharge information generation unit 107...First Payment Information Display Unit, 108...Second Payment Information Display Unit, 200...Credit Card Merchant Management Server, 201...Server-Side Control Unit, 202...Server-Side Communication Device, 203...Server-Side Display, 204...Server-Side Various Information Input Devices, 205...Exchange Rate Information Storage Unit, 206...Foreign Surcharge Information Storage Unit, 207...Server-Side Various Information Storage Unit, 300...International Brand Management Server, 400...Foreign Issued Credit Card Management Server, F...Foreign Visitors to Japan, S...Stores

Claims

1. A payment method receiving device that accepts foreign-issued payment methods for settlement when providing goods or services, In Japan, where the payment method receiving device is located, there is a payment target usage area currency information storage unit that stores Japanese yen information, which is the Japanese currency information of the payment target for which payment is requested by the foreign-issued payment method, Based on the identification information of the foreign-issued payment instrument received by the payment instrument receiving device, the issuing country currency information determination unit identifies the issuing country of the foreign-issued payment instrument and the issuing country currency information, which is the currency information of that issuing country. A country issuing currency information storage unit that stores the country issuing currency information identified by the country issuing currency information determination unit, A currency conversion unit for the region of use generates settlement target issuing country currency information corresponding to the Japanese yen information based on the Japanese yen information, the issuing country currency information, and the exchange rate information. A settlement target issuing country currency information storage unit stores the settlement target issuing country currency information generated by the aforementioned local currency conversion unit, A foreign surcharge fee information generation unit generates foreign surcharge fee information based on the aforementioned Japanese yen information and foreign surcharge rate information, A foreign surcharge fee information storage unit stores the foreign surcharge fee information generated by the foreign surcharge fee information generation unit, Based on the Japanese yen information and the foreign surcharge fee information, a first settlement display information display unit generates first settlement display information for settlement and displays it on the display unit, It has a second settlement information display unit that displays the currency information of the issuing country subject to settlement on the display unit, A payment method receiving device characterized in that, of the first payment display information and the payment target issuing country currency information that are simultaneously displayed on the display unit, the first payment display information is selected by the user only when the first payment display information is selected by the user.

2. The payment means receiving device according to Claim 1, characterized in that the payment means is a credit card and the payment means receiving device is a CAT (Credit Authorization Terminal) terminal.

3. A payment method receiving device that accepts foreign-issued payment methods for settlement when providing goods or services, A foreign-issued settlement instrument management device for managing the aforementioned foreign-issued settlement instruments, A payment means management system having a payment means management device capable of communicating with these, The aforementioned payment means receiving device is In Japan, where the payment method receiving device is located, there is a payment target usage area currency information storage unit that stores Japanese yen information, which is the Japanese currency information of the payment target for which payment is requested by the foreign-issued payment method, Based on the identification information of the foreign-issued payment instrument received by the payment instrument receiving device, the issuing country currency information determination unit identifies the issuing country of the foreign-issued payment instrument and the issuing country currency information, which is the currency information of that issuing country. A country issuing currency information storage unit that stores the country issuing currency information identified by the country issuing currency information determination unit, An exchange rate information storage unit that stores exchange rate information between the issuing country currency information and the used region currency information, A currency conversion unit for the region of use generates settlement target issuing country currency information corresponding to the Japanese yen information based on the Japanese yen information, the issuing country currency information, and the exchange rate information. A settlement target issuing country currency information storage unit stores the settlement target issuing country currency information generated by the aforementioned local currency conversion unit, A foreign surcharge information storage unit that stores foreign surcharge rate information related to the aforementioned Japanese yen information, A foreign surcharge fee information generation unit generates foreign surcharge fee information based on the aforementioned Japanese yen information and the aforementioned foreign surcharge rate information, A foreign surcharge fee information storage unit stores the foreign surcharge fee information generated by the foreign surcharge fee information generation unit, Based on the Japanese yen information and the foreign surcharge fee information, a first settlement display information display unit generates first settlement display information for settlement and displays it on the display unit, It has a second settlement information display unit that displays the currency information of the issuing country subject to settlement on the display unit, A payment method management system characterized in that, of the first payment display information and the payment target issuing country currency information that are simultaneously displayed on the display unit, the foreign surcharge fee information is transmitted to the payment method management device only when the first payment display information is selected by the user.

4. A control method for a payment method receiving device that accepts foreign-issued payment methods for settlement when providing goods or services, In Japan, where the payment method receiving device is located, the Japanese yen information, which is the Japanese currency information for the settlement target requested by the foreign-issued payment method, is stored in the settlement target usage region currency information storage unit. The issuing country currency information determination unit identifies the issuing country of the foreign-issued settlement instrument and the issuing country currency information, which is the currency information of that issuing country, based on the identification information of the foreign-issued settlement instrument received by the settlement instrument receiving device. The issuing country currency information identified by the issuing country currency information determination unit is stored in the issuing country currency information storage unit. The local currency conversion unit generates settlement target issuing country currency information corresponding to the Japanese yen information based on the Japanese yen information, the issuing country currency information, and the exchange rate information. The currency information of the country of issue to be settled, generated by the currency conversion unit used, is stored in the currency information storage unit for the country of issue to be settled. The foreign surcharge fee information generation unit generates foreign surcharge fee information based on the Japanese yen information and foreign surcharge rate information. The foreign surcharge information generated by the foreign surcharge information generation unit is stored in the foreign surcharge information storage unit. The first settlement information display unit generates first settlement information for settlement based on the Japanese yen information and the foreign surcharge fee information, and displays it on the display unit. The second settlement information display unit displays the settlement target issuing country currency information on the display unit, A control method for a payment method receiving device, characterized in that, of the first payment display information and the payment target issuing country currency information that are simultaneously displayed on the display unit, the first payment display information is transmitted to the payment method management device only when the first payment display information is selected by the user.

5. A payment method receiving device that accepts foreign-issued payment methods for settlement when providing goods or services, A step of storing Japanese yen information, which is Japanese currency information for the settlement target requested by the foreign-issued settlement means in the settlement target usage region currency information storage unit in Japan where the settlement means receiving device is located. The issuing country currency information determination unit determines the issuing country of the foreign-issued settlement instrument and the issuing country currency information, which is the currency information of that issuing country, based on the identification information of the foreign-issued settlement instrument received by the settlement instrument receiving device. A step of storing the issuing country currency information identified by the issuing country currency information determination unit in the issuing country currency information storage unit. A process in which a local currency conversion unit generates settlement target issuing country currency information corresponding to the Japanese yen information based on the Japanese yen information, the issuing country currency information, and the exchange rate information. A step of storing the settlement target issuing country currency information generated by the aforementioned local currency conversion unit in the settlement target issuing country currency information storage unit. The foreign surcharge fee information generation unit generates foreign surcharge fee information based on the Japanese yen information and the foreign surcharge rate information. A step of storing the foreign surcharge information generated by the foreign surcharge information generation unit in the foreign surcharge information storage unit. The first settlement information display unit generates first settlement information for settlement based on the Japanese yen information and the foreign surcharge fee information, and displays it on the display unit. The second settlement information display unit performs the step of displaying the settlement target issuing country currency information on the display unit, A control program for a payment method receiving device to perform the step of transmitting the foreign surcharge fee information to a payment method management device only when the first payment display information is selected by the user from among the first payment display information and the payment target issuing country currency information that are simultaneously displayed on the display unit.

Images