Payment processing device

Abstract

The payment agent device issues a payment request to the payment device instead of station terminals such as ticket gates. The station terminal can control passage at the station in response to a signal from the payment agent device without waiting for a response from the payment device.

Description

[Technical field]

[0001] The present invention relates to payment of freight using a credit card. [Background technology]

[0002] There has been proposed a fare collection system that includes a fare calculation server that performs fare calculations and a settlement server that performs settlement of fares (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2020-177575 A Summary of the Invention [Problem to be solved by the invention]

[0004] In the system described in Patent Document 1, the ticket gate requests a payment process from the payment device, and the ticket gate controls passage based on the result. However, a response from the payment device can take several seconds or more. For this reason, in the system described in Patent Document 1, it takes time to control passage at the ticket gate, which may make it difficult to operate the station smoothly, especially during crowded times such as rush hour. [Means for solving the problem]

[0005] The present invention includes the following embodiment.

[0006] A payment agent that processes fare payments using credit cards, The system is connected via a network to a boarding station terminal installed at a boarding station, a disembarking station terminal installed at a disembarking station, a fare calculation device that calculates fares for each transportation means, and a payment device that executes payment processing, storing, in association with each other, transportation facility identification information for identifying the transportation facility and affiliated store identification information for identifying information of the transportation facility as a credit card affiliated store; receiving station identification information for identifying a boarding station from the boarding station terminal; Transmitting the station identification information received from the boarding station terminal to the fare calculation device; receiving a signal related to traffic control at the boarding station from the fare calculation device; Transmitting a signal regarding traffic control received from the fare calculation device to the boarding station terminal; receiving credit card information from the boarding station terminal; receiving station identification information for identifying the alighting station from the alighting station terminal; Transmitting the station identification information received from the alighting station terminal to the fare calculation device; receiving from the fare calculation device a signal related to traffic control at a disembarking station, the transportation facility identification information, and fare information for each transportation facility identified by the transportation facility identification information; Transmitting a signal regarding traffic control received from the fare calculation device to the alighting station terminal; receiving the credit card information from the exit station terminal; storing, in association with each other, credit card information received from the boarding station terminal and the disembarking station terminal, affiliated store identification information stored in association with the transportation facility identification information received from the fare calculation device, and fare information received from the fare calculation device; A payment agent transmits the associated and stored credit card information, affiliated store identification information, and shipping information to the payment device.

[0007] A payment agent that processes fare payments using credit cards, the terminal is connected via a network to a boarding station terminal installed at a boarding station, a disembarking station terminal installed at a disembarking station, and a payment device that executes payment processing; storing, in association with each other, transportation facility identification information for identifying the transportation facility and affiliated store identification information for identifying information of the transportation facility as a credit card affiliated store; receiving station identification information for identifying a boarding station from the boarding station terminal; Transmitting a signal regarding traffic control to the boarding station terminal; receiving credit card information from the boarding station terminal; receiving station identification information for identifying the alighting station from the alighting station terminal; Transmitting a signal regarding traffic control to the alighting station terminal; receiving the credit card information from the exit station terminal; Calculating fare information for each transportation facility using the station identification information received from the boarding station terminal and the station identification information received from the disembarking station terminal; storing, in association with each other, credit card information received from the boarding station terminal and the disembarking station terminal, affiliated store identification information stored in association with transportation facility identification information that identifies the transportation facility that calculated the fare information, and the calculated fare information; A payment agent transmits the associated and stored credit card information, affiliated store identification information, and shipping information to the payment device. Effect of the Invention

[0008] According to one embodiment of the present invention, the payment agent makes a payment request to the payment device instead of a station terminal such as a ticket gate. The station terminal can control passage at the station in response to a signal from the payment agent without waiting for a response from the payment device. [Brief description of the drawings]

[0009] [Figure 1] 1 is a schematic diagram illustrating an example of the configuration of a system including a payment agent device according to a first embodiment. FIG. [Diagram 2] FIG. 2 is a schematic diagram illustrating a station information table. [Diagram 3] FIG. 2 is a schematic diagram illustrating a transportation information table. [Figure 4] FIG. 13 is a schematic diagram illustrating a fare information table. [Figure 5A] FIG. 2 is a diagram illustrating an example of the operation of the payment agent device according to the first embodiment. [Figure 5B] FIG. 2 is a diagram illustrating an example of the operation of the payment agent device according to the first embodiment. [Figure 5C]FIG. 2 is a diagram illustrating an example of the operation of the payment agent device according to the first embodiment. [Figure 6] FIG. 11 is a schematic diagram illustrating a configuration example of a system including a payment agent device according to a second embodiment. [Figure 7A] FIG. 11 is a diagram illustrating an example of the operation of the payment agent device according to the second embodiment. [Figure 7B] FIG. 11 is a diagram illustrating an example of the operation of the payment agent device according to the second embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] [Payment agent device according to embodiment 1] FIG. 1 is a schematic diagram for explaining a configuration example of a system including a payment agent device according to a first embodiment. The payment agent device according to this embodiment is a device that handles fare payments using credit cards. As shown in FIG. 1, the payment agent device according to this embodiment is connected via a network to a boarding station terminal installed at a boarding station, an alighting station terminal installed at a alighting station, a fare calculation device that calculates fares for each transportation facility, and a payment device that executes payment processing. An example of the network is the Internet.

[0011] (Boarding station terminal, disembarking station terminal) The boarding station terminal is a station terminal installed at the boarding station, and the disembarking station terminal is a station terminal installed at the disembarking station. Examples of the boarding station terminal and the disembarking station terminal in this embodiment include ticket gates installed at stations, as well as terminals carried by station staff. "Installed" does not only include cases where the terminal is fixed to the station, but also includes all forms in which the terminal is used at the station, such as cases where the terminal is carried by station staff.

[0012] In applying this embodiment, station terminals do not need to be installed at all stations operated by the transportation facility, but it is sufficient if they are installed at least the boarding and disembarking stations that are the starting and ending points for fare calculation. In other words, in this embodiment, station terminals may or may not be installed at passing stations such as Station B and Station C described later.

[0013] The boarding station terminal and the disembarking station terminal each have a reader / writer function for reading the customer's credit card information from the customer's smartphone, contactless IC card, etc. The credit card information is information required for payment using a credit card, and an example of the credit card information includes the credit card number, as well as the expiration date and country of issuance of the credit card.

[0014] A credit card can be any name as long as it inquires of a payment device whether or not payment can be made. Examples of credit cards include cards commonly known as credit cards, as well as prepaid cards and debit cards that inquire of a payment device whether or not payment can be made. Credit cards are limited to cards that are not charged with electronic money, and cards that are charged with electronic money are not included in credit cards. This is because the latter cards do not inquire of a payment device whether or not payment can be made, but rather determine whether or not payment can be made based on the amount charged to the card.

[0015] (Fare calculation device) A fare calculation device is a device that calculates fare information. An example of a fare calculation device is a computer device that executes fare calculation. An example of a computer device is a server device or a board equipped with an IC chip. Fare information refers to information related to the fare from the boarding station to the disembarking station, such as 350 yen or 740 yen.

[0016] (Payment device) A payment device is a device that executes payment processing. An example of a payment device is a computer device of a financial institution that issues credit cards. An example of a computer device is a server device or a board equipped with an IC chip. An example of a payment process is a process related to availability, such as authorization (often abbreviated to "auth").

[0017] (Payment agent device) The payment agent is a device that handles fare payments using credit cards. An example of a payment agent is a computer device. An example of a computer device is a server device or a board equipped with an IC chip.

[0018] The payment agent device of this embodiment stores three tables: a station information table, a transport facility information table, and a fare information table. These will be explained in order below.

[0019] (Station information table) Fig. 2 is a schematic diagram illustrating a station information table. As shown in Fig. 2, the payment agent device can store station identification information, for example, in a table format. Station identification information is information that identifies a station. The station identification information may be stored in association with the name of the station, transportation facility identification information (described later), and the like.

[0020] (Transportation Information Table) FIG. 3 is a schematic diagram illustrating a transportation facility information table. As shown in FIG. 3, the payment agent device can store, for example in a table format, transportation facility identification information that identifies a transportation facility and affiliated store identification information that identifies information about the transportation facility as a credit card affiliated store in association with each other. The transportation facility identification information is information that identifies a transportation facility. The affiliated store identification information is information that identifies information about the transportation facility as a credit card affiliated store. The affiliated store identification information is assigned to the transportation facility by the financial institution, for example, based on an affiliated store contract concluded between the financial institution that manages the payment device and the transportation facility. In addition to the affiliated store identification information, the transportation facility identification information may also be stored in association with the name of the transportation facility, etc.

[0021] According to this embodiment, it is necessary to install the station terminal according to this embodiment, that is, a station terminal having a function of communicating with the payment agent according to a predetermined protocol, at each station. A station terminal that does not have this function cannot execute the passage control by the payment agent. Therefore, it is not necessary to execute the passage control at the passing stations that are not the boarding station or the disembarking station. In addition, it would be convenient if the fare could be calculated for each transportation facility during direct operation with a station that does not have a station terminal according to this embodiment installed as a passing station. Therefore, in this embodiment, a data structure is adopted in which the payment agent stores the transportation facility identification information of the transportation facility that has the boarding station terminal and / or the disembarking station terminal installed and the affiliated store identification information that identifies the information of the transportation facility as a credit card affiliated store in association with each other, and stores the transportation facility identification information of the transportation facility that does not have the boarding station terminal and / or the disembarking station terminal installed and the affiliated store identification information that identifies the information of the transportation facility as a credit card affiliated store in association with each other. In this way, it is not necessary to install the station terminal according to this embodiment at all stations. In addition, it is possible to execute the fare payment for each transportation facility during direct operation with a station that does not have a station terminal according to this embodiment installed as a passing station. However, the present invention is not limited to this data structure, and the payment agency device of the present invention includes not only cases where the payment agency device has this data structure, but also cases where it has a data structure that associates and stores transportation agency identification information only for transportation agencies that have boarding station terminals and / or disembarking station terminals with affiliated store identification information that identifies information about the transportation agency as a credit card affiliated store.

[0022] (Fare information table) Fig. 4 is a schematic diagram illustrating a fare information table. As shown in Fig. 4, the payment agent device can store credit card information, affiliated store identification information, and fare information in a table format, for example, in association with each other.

[0023] (Example of operation) 5A to 5C are diagrams for explaining an example of the operation of the payment agent device according to the first embodiment.

[0024] In the following, we will take as an example the case where a passenger boards a train that runs directly from Station A to Station D, passing through Stations B and C. Station A is the boarding station, and the station identification information identifying Station A is "123456". Station B is a through station, and the station identification information identifying Station B is "234567". Station C is a through station, and the station identification information identifying Station C is "345678". Station D is the disembarking station, and the station identification information identifying Station D is "456789".

[0025] Furthermore, the section from Station A to Station B is operated by X Railway, and the fare for that section is 300 yen. The section from Station B to Station C is operated by Y Railway, and the fare for that section is 200 yen. The section from Station C to Station D is operated by Z Electric Railway, and the fare for that section is 400 yen. Furthermore, the transportation agency identification information identifying X Railway is X, the transportation agency identification information identifying Y Railway is Y, and the transportation agency identification information identifying Z Electric Railway is Z.

[0026] Furthermore, X Railway is a credit card affiliate of the financial institution that manages the payment device, and the affiliate identification information that identifies this affiliate is "001." Y Railway is also a credit card affiliate of the financial institution that manages the payment device, and the affiliate identification information that identifies this affiliate is "002." Z Railway is also a credit card affiliate of the financial institution that manages the payment device, and the affiliate identification information that identifies this affiliate is "003."

[0027] Also, station terminals according to this embodiment are installed in stations operated by X Railway and Z Railway, but station terminals according to this embodiment are not installed in stations operated by Y Railway. The station terminals installed in X Railway stations are boarding station terminals, and the station terminals installed in Z Railway stations are disembarking station terminals.

[0028] In addition, the payment agency device stores, in a transportation information table, transportation identification information for X Railway and Z Railway in association with affiliated store identification information that identifies the information of these transportation organizations as credit card affiliated stores, and also stores transportation identification information for Y Railway in association with affiliated store identification information that identifies the information of it as a credit card affiliated store.

[0029] Each step will be described below with reference to FIGS. 5A to 5C.

[0030] (Step 10) First, the boarding station terminal reads credit card information from the passenger's user terminal, such as a credit card or smartphone.

[0031] (Step 11) Next, the payment agent receives station identification information that identifies the boarding station from the boarding station terminal. Specifically, the payment agent receives the station identification information "123456" from the station terminal of Station A operated by X Railway.

[0032] In this step, the payment agent device may receive, for example, a value capable of uniquely identifying a credit card number together with station identification information from the boarding station terminal. The boarding station terminal may generate or obtain a value capable of uniquely identifying a credit card number, for example, by using the credit card number included in the credit card information read in step 10. Examples of values ​​capable of uniquely identifying a credit card number include a hash value obtained by calculating a hash function with the credit card number as a parameter, a value obtained by encrypting the credit card number with an encryption key, and a value that corresponds one-to-one to a credit card number obtained by incrementing sequentially from a predetermined number such as 1.

[0033] (Step 12) Next, the payment agent device transmits to the fare calculation device the station identification information received in step 11. Specifically, the payment agent device transmits to the fare calculation device the station identification information "123456" received in step 11. Note that if a value that can uniquely identify a credit card number is received together with the station identification information in step 11, the payment agent device transmits the station identification information and that value to the fare calculation device.

[0034] (Step 13) Next, the payment agent device receives a signal related to traffic control at the boarding station from the fare calculation device. An example of the signal includes information indicating "normal" or "abnormal". The signal is generated based on the result of a check for double boarding (e.g., cycle check), for example.

[0035] (Step 14) Next, the payment agent device transmits the signal regarding the passage control received from the fare calculation device in step 13 to the boarding station terminal.

[0036] (Step 15) Next, the boarding station terminal performs passage control based on the passage control signal received from the payment agent device. Examples of passage control include, for example, control to open or keep open the ticket gate door if the received signal indicates normality, control to close or keep closed the ticket gate door if the signal indicates an abnormality, and control to display an indication of normality or abnormality on the screen of the station terminal or the like.

[0037] (Step 16) Next, the payment agent device receives from the boarding station terminal the credit card information that the boarding station terminal read in step 10. As described above, the credit card information includes information such as the credit card number, expiration date, and issuing country. In this way, by receiving the credit card information after passage control at the station terminal, the station terminal can execute passage control in priority to sending the credit card information, thereby shortening the time required to execute passage control.

[0038] This step may be executed in step 11. That is, in step 11, the payment agent device may receive the station identification information from the boarding station terminal and also receive the credit card information. "Receiving the credit card information from the boarding station terminal" includes not only a form in which the credit card information is received after receiving the station identification information from the boarding station terminal, as in this embodiment, but also a form in which the credit card information is received together with the station identification information from the boarding station terminal, which differs from this embodiment.

[0039] (Step 17) Next, the disembarking station terminal reads credit card information from the passenger's user terminal, such as a credit card or smartphone.

[0040] (Step 18) Next, the payment agent receives station identification information for identifying the alighting station from the alighting station terminal. Specifically, the payment agent receives the station identification information "456789" from the station terminal of Station D operated by Z Railway.

[0041] In this step, similarly to step 11, the payment agent device may receive, for example, a value capable of uniquely identifying the credit card number together with the station identification information from the disembarking station terminal.

[0042] (Step 19) Next, the payment agent device transmits to the fare calculation device the station identification information received in step 18. Specifically, the payment agent device transmits to the fare calculation device the station identification information "456789" received in step 18.

[0043] If a value that can uniquely identify a credit card number is received together with the station identification information in step 18, the payment agent device transmits the station identification information and the value to the fare calculation device, as in step 12. If the fare calculation device receives a value that can uniquely identify a credit card number from the payment agent device in step 12 and this step, it can use the value to determine which station the passenger boarded the train at and which station he or she disembarked from, using the station identification information of the boarding station received from the payment agent device in step 12 and the station identification information of the disembarking station received from the payment agent device in this step. In the example of this embodiment, the fare calculation device can perform fare calculation assuming that Station A is the boarding station and Station D is the disembarking station.

[0044] (Step 20) Next, the payment agent receives from the fare calculation device a signal related to traffic control at the disembarking station, the transportation facility identification information, and fare information for each transportation facility identified by the transportation facility identification information. Specifically, the payment agent receives from the fare calculation device transportation facility identification information X of X Railway and fare information 300 yen, transportation facility identification information Y of Y Railway and fare information 200 yen, and transportation facility identification information Z of Z Railway and fare information 400 yen. An example of the signal related to traffic control is the same as that in step 13, so a description thereof will be omitted.

[0045] (Step 21) Next, the payment agent device transmits the signal regarding passage control received from the fare calculation device in step 20 to the deboarding station terminal. Note that in this step, the payment agent device may calculate the sum of the fare information for each transportation means received in step 20 (i.e., a total fare of 900 yen from Station A to Station D) and transmit the calculation result to the deboarding station terminal together with the signal regarding passage control. Also, the total fare may not be calculated by the payment agent device, but may be calculated by the fare calculation device and transmitted from the fare calculation device to the payment agent device. In that case, the payment agent device can transmit the total fare received from the fare calculation device to the deboarding station terminal together with the signal regarding passage control.

[0046] (Step 22) Next, the disembarking station terminal performs traffic control based on the traffic control signal received from the payment agent. Traffic control at the disembarking station is basically the same as the traffic control at the boarding station described in step 15, but in addition to this, it is possible to perform further control, such as displaying fare information on the station terminal.

[0047] (Step 23) Next, the payment agent device receives from the alighting station terminal the credit card information that the alighting station terminal read in step 17. By receiving the credit card information after the passage control at the station terminal, the station terminal can execute passage control prior to sending the credit card information, as in the case of step 16, and therefore the time required to execute passage control can be shortened. As in the case of step 16, this step may be executed in step 18. That is, the payment agent device may receive the credit card information in addition to receiving the station identification information from the alighting station terminal in step 18. "Receiving the credit card information from the alighting station terminal" includes a form in which the credit card information is received after receiving the station identification information from the alighting station terminal, as in this embodiment, as well as a form in which the credit card information is received from the alighting station terminal together with the station identification information, which is different from this embodiment.

[0048] (Step 24) Next, the payment agent device associates and stores one of the pieces of credit card information received from the boarding station terminal and the disembarking station terminal in steps 16 and 23, the affiliated store identification information stored in association with the transportation facility identification information received from the fare calculation device in step 20, and the fare information received from the fare calculation device in step 20. Specifically, the payment agent device associates and stores the affiliated store identification information 001 of X Railway, the fare information 300 yen, and one of the pieces of credit card information received from the boarding station terminal and the disembarking station terminal in steps 16 and 23, the affiliated store identification information 002 of Y Railway, the fare information 200 yen, and one of the pieces of credit card information received from the boarding station terminal and the disembarking station terminal in steps 16 and 23, and the affiliated store identification information 003 of Z Railway, the fare information 400 yen, and one of the pieces of credit card information received from the boarding station terminal and the disembarking station terminal in steps 16 and 23. In addition, the payment agency device reads, for example, from the transportation information table of Figure 3, the affiliated store identification information stored in association with the transportation identification information received from the fare calculation device in step 20, and stores this read affiliated store identification information in association with the credit card information and the fare information.

[0049] (Step 25) Next, the payment agent transmits to the payment device the affiliated store identification information, credit card information, and fare information that were associated and stored in step 24. For example, the payment agent transmits to the payment device affiliated store identification information 001, fare information 300 yen, and credit card information for X Railway, associated with each other, affiliated store identification information 002, fare information 200 yen, and credit card information for Y Railway, and associated with each other, affiliated store identification information 003, fare information 400 yen, and credit card information for Z Railway.

[0050] According to the above-described embodiment 1, the payment agent makes a payment request to the payment device instead of a station terminal such as a ticket gate. Therefore, the station terminal can control passage at the station in response to a signal from the payment agent without waiting for a response from the payment device. In addition, the payment agent stores, in a transportation facility information table, transportation facility identification information of X Railway and Z Railway and affiliated store identification information that identifies the information of these transportation facilities as credit card affiliated stores in association with each other, and also stores transportation facility identification information of Y Railway and affiliated store identification information that identifies the information of the credit card affiliated store in association with each other. Therefore, it is possible to perform fare payment for each transportation facility, including transportation facilities that operate stations where station terminals are not installed.

[0051] [Payment agent device according to embodiment 2] Fig. 6 is a schematic diagram for explaining a configuration example of a system including a payment agent device according to embodiment 2. This embodiment differs from embodiment 1 in that the payment agent device executes the freight calculation process, and the process is executed by a freight calculation device separate from the payment agent device, but has the same configuration as embodiment 1 in other respects. An example of the operation of the payment agent device according to embodiment 2 will be explained below.

[0052] (Step 40) First, the boarding station terminal reads credit card information from the passenger's user terminal, such as a credit card or smartphone. This step is the same as step 10 described above.

[0053] (Step 41) Next, the payment agent receives station identification information that identifies the boarding station from the boarding station terminal. Specifically, the payment agent receives the station identification information "123456" from the station terminal of Station A operated by X Railway. This step is the same as step 11 described above. As in step 11, in this step, the payment agent may receive, for example, a value that can uniquely identify a credit card number together with the station identification information from the boarding station terminal.

[0054] (Step 42) Next, the payment agent device transmits a signal related to passage control to the boarding station terminal. This signal is the same as that described in step 14.

[0055] (Step 43) Next, the boarding station terminal performs traffic control based on the signal related to traffic control received from the payment agent device. The traffic control in this step is the same as that in step 15.

[0056] (Step 44) Next, the payment agent device receives from the boarding station terminal the credit card information that the boarding station terminal read in step 40. This step is the same as step 16. As in step 16, this step may be performed in step 41.

[0057] (Step 45) Next, the exit station terminal reads the credit card information from the user's user terminal such as a credit card or a smartphone. This step is the same as step 17.

[0058] (Step 46) Next, the payment agent device receives station identification information identifying the alighting station from the alighting station terminal. Specifically, the payment agent device receives station identification information "456789" from the station terminal of D Station operated by Z Railways. This step is the same as step 18 described above. As in step 18, in this step, the payment agent device may receive, for example, a value that can uniquely identify a credit card number together with the station identification information from the alighting station terminal.

[0059] (Step 47) Next, the payment agent device transmits a signal related to passage control to the exit station terminal. The signal is the same as that described in step 21.

[0060] (Step 48) Next, the exit station terminal performs traffic control based on the traffic control-related signal received from the payment agent device. The traffic control in this step is the same as that explained in step 22, so the explanation will be omitted.

[0061] (Step 49) Next, the payment agent device receives from the alighting station terminal the credit card information that the alighting station terminal read in step 45. This step is the same as step 23. As in step 23, this step may be performed in step 46.

[0062] (Step 50) Next, the payment agent calculates fare information for each transportation facility using the station identification information received from the boarding station terminal in step 41 and the station identification information received from the disembarking station terminal in step 46. Specifically, the payment agent calculates 300 yen as fare information for X Railway, 200 yen as fare information for Y Railway, and 400 yen as fare information for Z Railway. As explained in step 19, if a value that can uniquely identify a credit card number is received from the payment agent in steps 41 and 46, the payment agent can use that value to perform fare calculation, assuming that the station identified by the station identification information received in step 41 is the boarding station and the station identified by the station identification information received in step 46 is the disembarking station.

[0063] (Step 51) Next, the payment agent device associates and stores one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49, the affiliated store identification information stored in association with the transportation facility identification information identifying the transportation facility that calculated the fare information in step 50, and the fare information calculated in step 50. Specifically, the payment agent device associates and stores the affiliated store identification information 001 of X Railway, the fare information 300 yen, and one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49, the affiliated store identification information 002 of Y Railway, the fare information 200 yen, and one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49, and the affiliated store identification information 003 of Z Railway, the fare information 400 yen, and one of the credit card information received from the boarding station terminal and the disembarking station terminal in steps 44 and 49.

[0064] (Step 52) Next, the payment agent transmits to the payment device the affiliated store identification information, credit card information, and fare information that were associated and stored in step 51. Specifically, the payment agent transmits to the payment device affiliated store identification information 001, fare information 300 yen, and credit card information for X Railway, associated with each other, affiliated store identification information 002, fare information 200 yen, and credit card information for Y Railway, and associated with each other, and transmits affiliated store identification information 003, fare information 400 yen, and credit card information for Z Railway.

[0065] The payment agency device according to the first embodiment is capable of constructing and managing a fare calculation device separately from the payment agency device, and is preferably applied in cases where the fare calculation process is relatively complicated, such as on routes where multiple transport agencies share the same line. In contrast, the payment agency device according to the second embodiment is capable of building a payment agency device and a fare calculation device in the same device, and is preferably applied in cases where the fare calculation is relatively simple, such as on routes operated by a single transport agency where the fare can be easily calculated once the stations between two points are determined.

[0066] Although the embodiment has been described above, these descriptions are merely examples, and the configurations described in the claims are not limited in any way by these descriptions. Even if the embodiment differs from the above description, as long as it has the configurations described in the claims, it will have the effect of the present invention and be included in the present invention.

Claims

[Claim 1] A payment agent that processes fare payments using credit cards, The system is connected via a network to a boarding station terminal installed at a boarding station, a disembarking station terminal installed at a disembarking station, a fare calculation device that calculates fares for each transportation means, and a payment device that executes payment processing, storing, in association with each other, transportation facility identification information for identifying the transportation facility in which the boarding station terminal and / or the deboarding station terminal is installed, and affiliated store identification information for identifying information on the transportation facility in which the boarding station terminal and / or the deboarding station terminal is installed as a credit card affiliated store; storing, in association with each other, transportation facility identification information for identifying a transportation facility that does not have the boarding station terminal and / or the disembarking station terminal, and affiliated store identification information for identifying information of the transportation facility that does not have the boarding station terminal and / or the disembarking station terminal as a credit card affiliated store; receiving station identification information for identifying a boarding station from the boarding station terminal; Transmitting the station identification information received from the boarding station terminal to the fare calculation device; receiving a signal related to traffic control at the boarding station from the fare calculation device; Transmitting a signal regarding traffic control received from the fare calculation device to the boarding station terminal; receiving credit card information from the boarding station terminal; receiving station identification information for identifying the alighting station from the alighting station terminal; Transmitting the station identification information received from the alighting station terminal to the fare calculation device; receiving from the fare calculation device a signal related to traffic control at the disembarking station, transportation facility identification information identifying a transportation facility in which the boarding station terminal and / or the disembarking station terminal is installed, fare information of the transportation facility in which the boarding station terminal and / or the disembarking station terminal is installed, transportation facility identification information identifying a transportation facility in which the boarding station terminal and / or the disembarking station terminal is not installed, and fare information of the transportation facility in which the boarding station terminal and / or the disembarking station terminal is not installed, Transmitting a signal regarding traffic control received from the fare calculation device to the alighting station terminal; receiving the credit card information from the exit station terminal; one of the credit card information received from the boarding station terminal and the disembarking station terminal, affiliated store identification information identifying the information of the transportation facility in which the boarding station terminal and / or the disembarking station terminal is installed as a credit card affiliated store, which is stored in association with transportation facility identification information identifying the transportation facility in which the boarding station terminal and / or the disembarking station terminal is installed and received from the fare calculation device, and fare information of the transportation facility in which the boarding station terminal and / or the disembarking station terminal is installed, which is received from the fare calculation device, storing, in association with one of the credit card information received from the boarding station terminal and the disembarking station terminal, affiliated store identification information identifying the information of the transportation facility that does not have the boarding station terminal and / or the disembarking station terminal as a credit card affiliated store, which is stored in association with transportation facility identification information identifying the transportation facility that does not have the boarding station terminal and / or the disembarking station terminal received from the fare calculation device, and fare information of the transportation facility that does not have the boarding station terminal and / or the disembarking station terminal received from the fare calculation device; The credit card information stored in association with each other, affiliated store identification information for identifying the information of the transportation facility in which the boarding station terminal and / or the disembarking station terminal is installed as a credit card affiliated store, and fare information of the transportation facility in which the boarding station terminal and / or the disembarking station terminal is installed, A payment agency that transmits to the payment device the credit card information stored in correspondence with the above, affiliated store identification information that identifies the information of the transportation facility that does not have the boarding station terminal and / or the disembarking station terminal as a credit card affiliated store, and fare information of the transportation facility that does not have the boarding station terminal and / or the disembarking station terminal.