SETTLEMENT SYSTEM USING GENERAL-PURPOSE PORTABLE TERMINAL

摘要

PROBLEM TO BE SOLVED: To provide a settlement service by a general-purpose portable terminal without preparing special hardware or lines.;SOLUTION: A settlement system includes: an account transfer system that makes realtime settlements between a bank account and a collecting account; and a wallet server that is connected to a customer terminal and a store terminal. The wallet server includes: a customer database that has bank account information on customers registered; and a store database that has store information on stores and the bank account information registered. The wallet server is configured to: identify a user using the customer terminal; identify a payment destination store due to an operation on a terminal of the user; receive a billing amount from a payment destination store terminal to decide a settlement amount; acquire bank account information on the user from the customer database; prepare account transfer data for withdrawing the settlement amount from the bank account of the user; and transmit the account transfer data to the realtime account transfer system. Then, an amount payable to a member store is paid into an account of each store from the collecting account.;SELECTED DRAWING: Figure 1;COPYRIGHT: (C)2018,JPO&INPIT