JP2007219785A - Method and system for taxi fare card-less settlement - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method and system for taxi fare card-less settlement for reducing a time spent from when the taxi fare is decided till when a user gets out of the car. <P>SOLUTION: A taxi dispatch center device retrieves settlement card information from a customer database according to user identification information received in reserving taxi dispatch from a taxi user, transmits the settlement card information to a card settlement organization, and performs credit authorization, transmits the user identification information to a settlement terminal mounted in the taxi which the taxi user who has reserved gets in in accordance with the authorization result, and transmits decided taxi fare information and the user identification information to the taxi dispatch center device. In the taxi dispatch center device, the settlement card information registered in pairs with the user identification information is retrieved according to the user identification information received from the on-vehicle settlement terminal, the settlement card information and the taxi fare information are transmitted to the card settlement institution to be settled. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention is a taxi fare that allows credit card payments to be made without using a card when paying a taxi fare, and credit card payment is made at the time of making a reservation for dispatch when using a taxi. The cardless payment method and system.

  Conventionally, payment means when using a taxi are cash, a credit card, a debit card, a taxi ticket, a taxi coupon, a taxi card, etc., and the payment is made when the taxi fare is determined when the taxi gets off.

In particular, for card payments such as credit card payments, debit card payments, taxi cards, etc., the taxi fare at the time of getting off the taxi is determined using the presented card and the payment terminal or card reader installed in the taxi vehicle With credit card credit card settlement.
In some cases, a personal identification number, a sign to a usage statement, or the like is performed as identity verification.
As a technique for facilitating taxi dispatch, there is a technique disclosed in Patent Document 1 below.

JP 2004-362296 A

  However, when making a card payment such as a credit card, the card is presented to the taxi crew at the stage when the taxi fare for getting off the taxi is confirmed, and the taxi crew operates the payment terminal installed in the vehicle, such as a wireless communication network. Card payment is completed by making a credit card transaction to the card company. In this case, in the case of a debit card, communication is with a financial institution. Also, in card settlement, as for card identity verification, in the case of a credit card, after communication with the card company, input of a personal identification number with an IC card before signing the transaction statement or communication with the card company, debit card In some cases, it is necessary to enter a password before communicating with a financial institution. Therefore, it takes about 1 to 2 minutes including a series of operations and communication time, it takes time for taxi users to get off, troubles with taxi users during emergency movement, and when getting off at the intersection There is a problem that it becomes a nuisance stop.

  An object of the present invention is to provide a cardless payment method and system for a taxi fare that can shorten the time from when a taxi fare is determined until it gets off.

To achieve the above object, a taxi fare card center settlement method according to the present invention includes a taxi dispatch center device,
A first step of searching the customer database for payment card information registered in a pair with the user identification information based on the user identification information received at the time of dispatching from the taxi user, and the searched payment card information User identification information for the payment terminal mounted on the taxi that the taxi user boarded by the taxi user who sent the card payment institution, inquired about the credit and received the credit result, and reserved for dispatch according to the credit result A third step of transmitting
The in-vehicle payment terminal is
A fourth step of transmitting the determined taxi usage fee information and user identification information to the taxi dispatch center device when the taxi usage fee is determined;
The taxi dispatch center device is
The customer identification information received from the in-vehicle payment terminal is searched for the payment card information registered in a pair with the user identification information from the customer database and received from the payment card information and the in-vehicle payment terminal. And a fifth step of transmitting the taxi use fee information to the card settlement organization.
Further, in the second step, the personal identification number registered in the card settlement organization is received together with the credit result from the card settlement organization, and in the third step, the personal identification number is added to the on-board settlement terminal in the taxi. The identification number received from the user in the fourth step is compared with the identification number received from the taxi dispatch center device, and the taxi fee information and the user identification information determined only when they match are obtained. It transmits to the said taxi dispatch center apparatus, It is characterized by the above-mentioned.
Further, biometric authentication information unique to a taxi user is used instead of the password.

Also, it is a cardless payment method for taxi fare,
Taxi dispatch center equipment
The first step of sending the user identification information received from the taxi user at the time of dispatch reservation to the card settlement institution, receiving the credit result by referring to the credit, and the taxi user who made the reservation for dispatch according to the credit result A second step of transmitting user identification information to the payment terminal mounted on the taxi,
The payment device of the card payment institution is
Based on the user identification information received from the taxi dispatch center device, the payment card information registered in a pair with the user identification information is searched from the card information database, credit processing relating to the searched payment card is performed, and the credit A third step of returning a result to the taxi dispatch center device;
The in-vehicle payment terminal is
A fourth step of transmitting the determined taxi usage fee information and user identification information to the taxi dispatch center device when the taxi usage fee is determined;
The taxi dispatch center device is
A fifth step of transmitting taxi fare information and user identification information received from the in-vehicle payment terminal to a card payment institution;
The payment device of the card payment institution is
The card information database is searched for the payment card information registered in a pair with the user identification information by the user identification information received from the taxi dispatch center device, and the payment based on the taxi usage fee information for the searched payment card. A cardless payment method for taxi fare, comprising: a sixth step of performing processing.
Further, in the second step, the personal identification number registered in the card settlement organization is received together with the credit result from the card settlement organization, and in the third step, the personal identification number is added to the on-board settlement terminal in the taxi. The identification number received from the user in the fourth step is compared with the identification number received from the taxi dispatch center device, and the taxi fee information and the user identification information determined only when they match are obtained. It transmits to the said taxi dispatch center apparatus, It is characterized by the above-mentioned.
Further, biometric authentication information unique to a taxi user is used instead of the password.

Also, it is a cardless payment method for taxi fare,
Taxi dispatch center equipment
Accepting user identification information and payment card information at the time of dispatching from a taxi user, sending the payment card information to the card payment institution, receiving credit inquiry and receiving the credit result, and using the payment card information A first step of associating the person identification information with the temporary storage means and temporarily storing it in the temporary storage means, and depending on the credit result, the credit result and the above-mentioned A second step of transmitting the user identification information received in the first step;
The in-vehicle payment terminal is
A third step of transmitting the determined taxi usage fee information and the user identification information to the taxi dispatch center device when determining the taxi usage fee;
The taxi dispatch center device is
Of the taxi use fee information and user identification information received from the in-vehicle payment terminal, the payment card information temporarily stored in the temporary storage means is searched by the user identification information, and the searched payment card information and the in-vehicle information And a fourth step of transmitting the taxi use fee information received from the payment terminal to the card payment organization.
Also, in the first step, the PIN code registered in the card settlement organization is received from the card settlement organization together with the credit result, and in the second step, the PIN number is added and transmitted to the on-board settlement terminal in the taxi. Then, the personal identification number received from the user in the third step is compared with the personal identification number received from the taxi dispatch center device, and the taxi usage fee information and the user identification information determined only when they match are It transmits to a taxi dispatch center apparatus, It is characterized by the above-mentioned.
Further, biometric authentication information unique to a taxi user is used instead of the password.

A taxless cardless payment system according to the present invention includes a taxi dispatch center device and a payment terminal mounted on the taxi,
The taxi dispatch center device is
A first means for retrieving from the customer database the payment card information registered in a pair with the user identification information based on the user identification information received at the time of dispatching from the taxi user, and the retrieved payment card information User identification for the payment means mounted on the taxi on which the taxi user who booked the vehicle boarding rides, according to the second means to send to the card payment institution, inquire credit and receive the credit result, and according to the credit result A third means for transmitting information;
The in-vehicle payment terminal is
A fourth means for transmitting the determined taxi usage fee information and the user identification information to the taxi dispatch center device when the taxi usage fee is determined;
The taxi dispatch center device is
The customer identification information received from the in-vehicle payment terminal is searched for the payment card information registered in a pair with the user identification information from the customer database and received from the payment card information and the in-vehicle payment terminal. And a fifth means for transmitting the taxi use fee information to the card settlement organization.
In addition, the second means receives a personal identification number registered in the card clearing house together with the credit result from the card clearing house, and the third means adds the personal identification number to the on-board payment terminal in the taxi. And the fourth means collates the PIN number received from the user with the PIN number received from the taxi dispatch center device, and the taxi fee information and the user identification information determined only when they match are obtained. It transmits to the said taxi dispatch center apparatus, It is characterized by the above-mentioned.
Further, biometric authentication information unique to a taxi user is used instead of the password.

It consists of a taxi dispatch center device and a payment terminal mounted on the taxi,
Taxi dispatch center equipment
The first means for transmitting the user identification information received at the time of the vehicle reservation from the taxi user to the card payment institution, receiving the credit result by referring to the credit, and the taxi user who made the vehicle reservation according to the credit result A second means for transmitting user identification information to a payment terminal mounted in a taxi on board;
The payment device of the card payment institution is
Based on the user identification information received from the taxi dispatch center device, the payment card information registered in a pair with the user identification information is searched from the card information database, credit processing relating to the searched payment card is performed, and the credit Third means for returning a result to the taxi dispatch center device;
The in-vehicle payment terminal is
A fourth means for transmitting the determined taxi usage fee information and the user identification information to the taxi dispatch center device when the taxi usage fee is determined;
The taxi dispatch center device is
A fifth means for transmitting the taxi fare information and user identification information received from the in-vehicle payment terminal to a card payment institution;
The payment device of the card payment institution is
The card information database is searched for the payment card information registered in a pair with the user identification information by the user identification information received from the taxi dispatch center device, and the payment based on the taxi usage fee information for the searched payment card. And sixth means for performing processing.
Further, the second means receives a password registered with the card settlement institution together with the credit result from the card settlement institution, and the third means adds the password to the taxi and transmits it to the on-board settlement terminal. The fourth means collates the personal identification number received from the user with the personal identification number received from the taxi dispatching center device, and the taxi usage fee information and the user identification information determined only when they coincide with each other are It transmits to a taxi dispatch center apparatus, It is characterized by the above-mentioned.
Further, biometric authentication information unique to a taxi user is used instead of the password.

It consists of a taxi dispatch center device and a payment terminal mounted on the taxi,
Taxi dispatch center equipment
Accepting user identification information and payment card information at the time of dispatching from a taxi user, sending the payment card information to the card payment institution, receiving credit inquiry and receiving the credit result, and using the payment card information The first means for temporarily storing the identification information in the temporary storage means in association with the person identification information, and the payment terminal mounted on the taxi on which the taxi user who made the reservation for the car rides according to the credit result. Second means for transmitting the user identification information accepted by the means;
The in-vehicle payment terminal is
A third means for transmitting the determined taxi usage fee information and the user identification information to the taxi dispatch center device when the taxi usage fee is determined;
The taxi dispatch center device is
Of the taxi use fee information and user identification information received from the in-vehicle payment terminal, the payment card information temporarily stored in the temporary storage means is searched by the user identification information, and the searched payment card information and the in-vehicle information And a fourth means for transmitting the taxi use fee information received from the payment terminal to the card payment institution.
In addition, the first means receives a password registered with the card clearing institution together with the credit result from the card clearing institution, and the second means adds the personal identification number and transmits the taxi to the in-car settlement terminal. The third means collates the password received from the user with the password received from the taxi dispatch center device, and determines the taxi fee information and the user identification information determined only when they match. It transmits to a taxi dispatch center apparatus, It is characterized by the above-mentioned.
Further, biometric authentication information unique to a taxi user is used instead of the password.

Hereinafter, an embodiment for carrying out the present invention will be specifically described with reference to the drawings.
FIG. 1 is a system configuration diagram showing an embodiment of the present invention.
The system shown in this embodiment includes a taxi dispatch center device 101, an onboard device 1022 mounted on a taxi vehicle 102, a payment terminal 1023, and a card payment device 1031 installed in a card company 103 which is a card payment organization. The taxi dispatch center device 101 and the taxi vehicle 102 are connected by a taxi radio communication line 104. Further, the taxi dispatch center device 101 and the card settlement device 1031 are connected by a communication line network 105.

The taxi dispatch center device 101 receives a reservation for dispatch by voice from the taxi user's telephone 106 via the communication network 107, searches for a taxi vehicle existing near the taxi user's current location, and dispatches the car. It comprises a reservation receiving terminal 1011, a CTI system 1012, a customer master 1013, a payment system 1014, and a dispatch system 1015.
The dispatch reservation receiving terminal 1011 is a terminal used by the operator of the taxi dispatch center. If the operator accepts the dispatch reservation by voice from the taxi user's telephone 106 via the communication network 107, the received telephone number is set. Transfer to CTI system 1012, query customer ID (including membership number) and customer name corresponding to incoming phone number to CTI system 1012, and operate customer ID and customer name registered in customer master 1013 It is displayed on the screen and notified to the operator.

  The CTI system 1012 is an abbreviation for Computer Telephony Integration System, and is a system device that integrates communication with a computer. Generally, a communication system and a database such as a customer database or a product database are connected online. For example, customer information such as the customer's name, address, and telephone number is registered in the database in advance, a telephone number is notified from the customer's pre-registered communication device, and a call is made. It is a system that retrieves and displays information.

In this embodiment, it is used for obtaining customer information in the customer master by the incoming telephone number. In particular, in the present embodiment, when the taxi fee is settled by card, the customer master 1013 does not perform the credit inquiry of the card at the time of getting off the taxi, and in order to complete the credit inquiry before the taxi fee is fixed, As shown in FIG. 1, for each customer, in addition to registering a customer ID, name, and telephone number, a card number for settlement is registered. This registration content is registered in advance by a prior application from each customer (taxi user).
In this embodiment, if the customer ID, name, and card number are automatically acquired by the CTI system 1012 based on the incoming telephone number from the taxi user, the card number is transferred to the payment system 1014, and the payment system 1014 and the card company 103 are transferred. The credit card inquiry is performed in advance with the card payment apparatus 1031 of the card, and the cardless payment is performed in which only the payment processing of the taxi fare is performed without presenting the payment card to the crew when getting off the taxi.

The settlement system 1014 performs card settlement with the card settlement apparatus 1031 based on the fare information transmitted from the settlement terminal 1021 of the taxi vehicle 102 when the taxi fare is determined.
The vehicle allocation system 1015 searches the taxi vehicle number that can be reached to the vehicle allocation location in the shortest distance or the shortest time based on the current position information received from each taxi vehicle when the information on the vehicle allocation location is input from the vehicle allocation reservation receiving terminal 1011. The dispatch instruction is transmitted to the vehicle-mounted device 1022 of the taxi vehicle 102.

The vehicle-mounted device 1022 of the taxi vehicle 102 receives the vehicle allocation instruction information from the vehicle allocation system 1015, and notifies the crew of the vehicle allocation location by voice by a speaker or character display by a display. The vehicle-mounted device 1022 has a role as a relay function between the payment terminal 102, the payment system 1014, and the vehicle allocation reservation receiving terminal 1011.
The settlement terminal 1021 is for settlement of taxi fares with the settlement system 1014 of the card company 103 when the taxi fares are determined, and has a user password verification function and a statement printing function.

FIG. 2 is a sequence diagram showing, in chronological order, the processing of each unit from when the taxi user makes a vehicle allocation reservation and pays the taxi fee by card settlement in the configuration of FIG.
First, the taxi user calls the dispatch reservation reception terminal 1011 from the telephone 106 having the telephone number registered in the customer master 1013 (S201).
The vehicle allocation reservation receiving terminal 1011 transfers the incoming caller's telephone number to the CTI system 1012 (S202).
The CTI system 1012 searches the customer master 1013 using the received telephone number as a key by the customer discrimination process, acquires the customer ID and name registered with the telephone number, and obtains the customer ID and name. Is returned to the dispatch reservation receiving terminal 1011 (S203, S204).
When a taxi user makes a call from a telephone having a telephone number different from the telephone number registered in advance in the customer master 1013, a message indicating that the user is an unregistered user is sent from the CTI system 1012 to the dispatch reservation reception terminal 1011. Will be returned. In this case, the registered telephone number is verbally confirmed by a conversation with the operator, and the registered telephone number is manually input by the operator at the input unit and transmitted to the CTI system 1012. The customer ID and the name information are obtained. Will get. In this case, the name information may be acquired by the CTI system 1012 by directly confirming the registered customer ID.

The vehicle allocation reservation receiving terminal 1011 displays the customer information including the customer ID and name returned from the CTI system 1012 on the display unit (S205).
The vehicle allocation reservation receiving terminal 1011 operator confirms the name of the taxi user who is the caller in an interactive manner based on the displayed customer name, and then inquires about the desired location for the vehicle allocation.
If the taxi user has notified the desired place for dispatch by voice, the desired place for dispatch is manually input from the input section of the dispatch reservation receiving terminal 1011 (S206) and transferred to the dispatch system 1015.
The dispatch system 1015 searches a taxi vehicle waiting for dispatch that can reach the input desired dispatch location in the shortest distance or the shortest time from a database (not shown) in which the current position of each taxi vehicle is registered (S207). Then, the vehicle number of the search result is returned to the dispatch reservation receiving terminal 1011 (S208).
The vehicle allocation reservation receiving terminal 1011 displays the received vehicle number on the display unit (S208).

  Next, the vehicle allocation reservation receiving terminal 1011 searches the customer master 1013 with the customer ID already received from the CTI system 1012 and searches for the card number corresponding to the customer ID (S209). Then, the card number is transmitted to the payment system 1014 (S210).

The settlement system 1014 transmits the received card number to the card settlement apparatus 1031 of the card company 103, and makes a credit inquiry (S211).
The card settlement apparatus 1031 performs credit processing of the card number using the received card number (S212), and returns the credit result (OK or NG) to the settlement system 1014 (S213). In this case, if the credit result is OK, a password is added and returned.
Note that how credit processing is performed is out of the scope of the present invention, and thus detailed description thereof is omitted here.

When the payment system 1014 receives the credit result, the payment system 1014 transmits the credit result to the vehicle allocation reservation receiving terminal 1011 (S214).
The vehicle allocation reservation receiving terminal 1011 displays whether the credit result is OK (acknowledgment) or NG (negative acknowledgment) on the display unit. If the credit result is NG, the operator verbally notifies the customer who has made a call for a dispatch request.
If the credit result is OK, the operator transmits a dispatch instruction notification including a message of a desired dispatch location to the already-searched taxi vehicle waiting for dispatch (S215). Further, customer ID, name, and password information is transmitted as customer information (S216).

The vehicle-mounted device 1022 of the taxi vehicle waiting to be dispatched that has received the dispatch instruction notification notifies the crew member of the dispatch instruction notification by voice from the speaker. The crew responds with a voice the expected arrival time to the desired place for dispatch and heads for the desired place for dispatch.
The vehicle-mounted device 1022 displays the name on the display unit among the customer ID, name, and code number received as the customer information. Information on other customer IDs and passwords is transferred to the payment terminal 1021 (S217).

When the vehicle arrives at the desired location, it is confirmed from the name displayed on the display section whether the customer has requested the vehicle allocation, and then the vehicle is picked up and picked up to the destination.
If you arrive at the destination and the price is confirmed, the crew will verbally confirm whether or not you will make a card payment to the customer. An input operation is performed on the terminal 1021 (S218), and a password is received from the input unit of the payment terminal 1021 to the customer (S219).
Payment terminal 1021 collates the password already received at the time of dispatch instruction notification with the password received from the customer (S220), and if it matches, prints the card payment statement (S221) and charges information And the customer ID are transmitted to the settlement system 1014 of the taxi dispatch center device 101 via the vehicle-mounted device 1022 (S222).

The settlement system 1014 of the taxi dispatch center device 101 searches the customer master 1013 for the card number registered corresponding to the customer ID by the received customer ID (S223), and uses the card number and fee information as the card company. It transmits to the card settlement apparatus 1031 of 103 (S224).
The card settlement apparatus 1031 of the card company 103 performs settlement processing of the card number based on the card number and fee information (S225).
If the passwords do not match, card payment is not possible, so cash payment is made.

  As is clear from the above, in this embodiment, when the taxi fee is settled by card, the credit card processing for the settlement card is completed before the taxi fee is fixed. Without presenting the card, it is possible to realize cardless payment such that taxi payment can be completed only by confirming the password. As a result, compared with the conventional card payment, the time from the arrival at the destination to the disembarkation is shortened, which can contribute to eliminating the cause of traffic congestion and the like.

In addition, it can replace with a PIN code and can comprise so that identification may be performed by biometric information, such as a finger vein.
In addition, the taxi fare and the card number are not transmitted to the card payment device 1031 of the card company each time, but are temporarily stored in a storage device in an environment where strict security is ensured in the taxi dispatch center device 101. In addition, it can be configured to periodically transmit to the card company.
Further, although the password is configured to be obtained from the card company, it may be configured to be registered in advance in the customer master 1013.

(Second Embodiment)
In the embodiment described above, the card number is registered in the customer master 1013 of the taxi dispatch center device 101. However, the card number is held only by the card company, and the customer ID is stored in the card information master card information card information card information. It can be configured to be tied and held.
FIG. 3 is a sequence diagram showing a procedure for realizing a cardless payment of a taxi fare when the card information and the customer ID of the taxi company are linked and held in the card information master of the card company.
First, the taxi user calls the dispatch reservation reception terminal 1011 from the telephone 106 having the telephone number registered in the customer master 1013 (S301).
The vehicle allocation reservation receiving terminal 1011 transfers the incoming caller's telephone number to the CTI system 1012 (S302).

The CTI system 1012 searches the customer master 1013 by using the received telephone number as a key by the customer discrimination processing, acquires the customer ID and name registered with the telephone number, and obtains the customer ID and name. Is returned to the dispatch reservation receiving terminal 1011 (S303, S304).
When a taxi user makes a call from a telephone having a telephone number different from the telephone number registered in advance in the customer master 1013, a message indicating that the user is an unregistered user is sent from the CTI system 1012 to the dispatch reservation reception terminal 1011. Will be returned. In this case, the registered telephone number is verbally confirmed by a conversation with the operator, and the registered telephone number is manually input by the operator at the input unit and transmitted to the CTI system 1012. The customer ID and the name information are obtained. Will get. In this case, the name information may be acquired by the CTI system 1012 by directly confirming the registered customer ID.

The vehicle allocation reservation receiving terminal 1011 displays customer information including the customer ID and name returned from the CTI system 1012 on the display unit (S305).
The vehicle allocation reservation receiving terminal 1011 operator confirms the name of the taxi user who is the caller in an interactive manner based on the displayed customer name, and then inquires about the desired location for the vehicle allocation.
If the taxi user has notified the desired place for dispatch by voice, the desired place for dispatch is manually input from the input unit of the dispatch reservation receiving terminal 1011 (S306) and transferred to the dispatch system 1015.

The dispatch system 1015 searches a taxi vehicle waiting for dispatch that can reach the input desired dispatch location in the shortest distance or the shortest time from a database (not shown) in which the current position of each taxi vehicle is registered (S307). Then, the vehicle number of the search result is returned to the vehicle allocation reservation receiving terminal 1011 (S308).
The vehicle allocation reservation receiving terminal 1011 displays the received vehicle number on the display unit (S309).

Next, the vehicle allocation reservation receiving terminal 1011 transmits the customer ID already received from the CTI system 1012 to the payment system 1014 (S310).
The settlement system 1014 transmits the received customer ID to the card settlement apparatus 1031 of the card company 103, and makes a credit inquiry (S311).
The card settlement apparatus 1031 extracts the card number corresponding to the customer ID registered in the card information master 1032 based on the received customer ID (S312), performs credit processing of the card number (S313), and the credit result (OK or NG) is returned to the settlement system 1014 (S314). In this case, if the credit result is OK, a password is added and returned.
Note that how credit processing is performed is out of the scope of the present invention, and thus detailed description thereof is omitted here.

When receiving the credit result, the settlement system 1014 transmits the credit result to the vehicle allocation reservation receiving terminal 1011 (S315).
The vehicle allocation reservation receiving terminal 1011 displays whether the credit result is OK (acknowledgment) or NG (negative acknowledgment) on the display unit. If the credit result is NG, the operator verbally notifies the customer who has made a call for a dispatch request.
If the credit result is OK, the operator transmits a dispatch instruction notification including a message of a desired dispatch location to the already-searched taxi vehicle waiting for dispatch (S316). Furthermore, information of customer ID, name, and password is transmitted as customer information (S317).

The vehicle-mounted device 1022 of the taxi vehicle waiting to be dispatched that has received the dispatch instruction notification notifies the crew member of the dispatch instruction notification by voice from the speaker. The crew responds with a voice the expected arrival time to the desired place for dispatch and heads for the desired place for dispatch.
The vehicle-mounted device 1022 displays the name on the display unit among the customer ID, name, and code number received as the customer information. Information on other customer IDs and passwords is transferred to the payment terminal 1021 (S318).

When the vehicle arrives at the desired location, it is confirmed from the name displayed on the display section whether the customer has requested the vehicle allocation, and then the vehicle is picked up and picked up to the destination.
If you arrive at the destination and the price is confirmed, the crew will verbally confirm whether or not you will make a card payment to the customer. An input operation is performed on the terminal 1021 (S319), and a password is received from the input unit of the payment terminal 1021 to the customer (S320).
The settlement terminal 1021 collates the security code already received at the time of dispatch instruction notification with the security code received from the customer (S321), and if it matches, prints the card payment statement (S322) and charges information And the customer ID are transmitted to the settlement system 1014 of the taxi dispatch center device 101 via the vehicle-mounted device 1022 (S323).

The payment system 1014 of the taxi dispatch center device 101 transmits the received customer ID and fee information to the card payment device 1031 of the card company 103 (S324).
The card settlement apparatus 1031 of the card company 103 searches the card information master 1032 by the customer ID, acquires the card number corresponding to the customer ID (S325), and performs the settlement process of the card number by the card number and fee information. Perform (S326).
If the passwords do not match, card payment is not possible, so cash payment is made.

As is apparent from the above, also in this second embodiment, when the taxi fare is settled by card, credit card processing for the settlement card is completed at the stage before the taxi fare is fixed. It is possible to realize a cardless settlement in which the settlement of the taxi fare can be completed only by confirming the personal identification number without presenting the card to the crew when getting off the taxi. As a result, compared with the conventional card payment, the time from the arrival at the destination to the disembarkation is shortened, which can contribute to eliminating the cause of traffic congestion and the like.
In particular, in the second embodiment, since the card number is not held in the taxi dispatch center device, there is no possibility that the card information leaks outside from the taxi dispatch center device, and the security is improved. I can expect.
Further, in the second embodiment, the payment terminal 1021 mounted on the vehicle is provided with a general communication function (for example, packet data communication using the DoPa (registered trademark) network), and the vehicle-mounted device 1022, taxi dispatch center device The payment terminal 1021 may be directly connected to the communication line network 105 without going through 101 or the like, and the fee information and the customer ID may be directly transmitted from the payment terminal 1021 to the payment apparatus 1031 in S323 and S324.

In addition, it can replace with a PIN code and can comprise so that identification may be performed by biometric information, such as a finger vein.
Also, the taxi fare and customer ID are not transmitted to the card payment device 1031 of the card company each time, but are temporarily stored in a storage device in an environment where strict security is ensured in the taxi dispatch center device 101. In addition, it can be configured to periodically transmit to the card company.

(Third embodiment)
In the above first embodiment, the card information is held in the taxi dispatch center device, and in the second embodiment, the customer ID is held in the card information master of the card company. However, instead of this, the card information can be held in a portable terminal such as a cellular phone, and the cardless payment can be performed using the card information.
FIG. 4 is a sequence diagram showing a third embodiment in which cardless payment is performed using card information held in a mobile terminal such as a mobile phone.
First, the taxi user accesses the vehicle allocation reservation screen of the vehicle allocation reservation receiving terminal 1011 from the mobile terminal. Then, the telephone number registered in advance in the customer master 1013 is input in the dispatch reservation screen and a dispatch request is transmitted (S401).
The vehicle allocation reservation receiving terminal 1011 transfers the received telephone number to the CTI system 1012 (S402).
The CTI system 1012 searches the customer master 1013 by using the received telephone number as a key by the customer discrimination processing, acquires the customer ID and name registered with the telephone number, and obtains the customer ID and name. Is returned to the dispatch reservation receiving terminal 1011 (S403).

The vehicle allocation reservation receiving terminal 1011 transmits the user screen to which the customer information including the customer ID and name returned from the CTI system 1012 is added to the mobile terminal that requested the vehicle allocation (S404).
The portable terminal possessed by the user of the vehicle dispatch request source displays a user screen having input fields for the customer name, customer ID, and desired vehicle dispatch location (S405).
After confirming the customer name displayed on the mobile terminal, the user who requested the vehicle allocation inputs the vehicle allocation desired place in the input field of the vehicle allocation desired place and transmits it to the vehicle allocation reservation receiving terminal 1011 (S406). Further, the card number held in the portable terminal is read, and the card number and the customer ID are transmitted to the vehicle allocation reservation receiving terminal 1011 (S407).

The vehicle allocation reservation receiving terminal 1011 transfers the received information on the desired vehicle allocation location to the vehicle allocation system 1015, and transfers the card number and customer ID to the settlement system 1014.
The dispatch system 1015 searches a taxi vehicle waiting for dispatch that can reach the input desired dispatch location in the shortest distance or the shortest time from a database (not shown) in which the current position of each taxi vehicle is registered (S408). . Then, the vehicle number of the search result is returned to the vehicle allocation reservation receiving terminal 1011 (S409).
The vehicle allocation reservation receiving terminal 1011 displays the vehicle number (S416) and then transmits it to the mobile terminal. As a result, the vehicle number of the taxi vehicle heading to the desired vehicle allocation location is displayed on the mobile terminal that requested the vehicle allocation (S417).

On the other hand, the settlement system 1014 transmits the received card number to the card settlement apparatus 1031 of the card company 103 and makes a credit inquiry (S411). Then, the card number and customer ID are temporarily stored in the temporary storage area M (S412).
The card settlement apparatus 1031 performs credit processing of the card number using the received card number (S413), and returns the credit result (OK or NG) to the settlement system 1014 (S414). In this case, if the credit result is OK, a password is added and returned.
Note that how credit processing is performed is out of the scope of the present invention, and thus detailed description thereof is omitted here.

When receiving the credit result, the settlement system 1014 transmits the credit result to the vehicle allocation reservation receiving terminal 1011 (S415).
The vehicle allocation reservation receiving terminal 1011 displays whether the credit result is OK (acknowledgment) or NG (negative acknowledgment) on the display unit. If the credit result is NG, a message to that effect is transmitted to the mobile terminal that requested the dispatch.
When the credit result is OK, a dispatch instruction notification including a message of a desired dispatch location is transmitted by voice to the already searched taxi vehicle waiting for dispatch (S418). Furthermore, information of customer ID, name, and password is transmitted as customer information (S419).

The vehicle-mounted device 1022 of the taxi vehicle waiting to be dispatched that has received the dispatch instruction notification notifies the crew member of the dispatch instruction notification by voice from the speaker. The crew responds with a voice the expected arrival time to the desired place for dispatch and heads for the desired place for dispatch.
The vehicle-mounted device 1022 displays the name on the display unit among the customer ID, name, and code number received as the customer information. Information on other customer IDs and passwords is transferred to the payment terminal 1021 (S420).

When the vehicle arrives at the desired location, it is confirmed from the name displayed on the display section whether the customer has requested the vehicle allocation, and then the vehicle is picked up and picked up to the destination.
If you arrive at the destination and the price is confirmed, the crew will verbally confirm whether or not you will make a card payment to the customer. An input operation is performed on the terminal 1021 (S421), and a password is received from the input unit of the payment terminal 1021 to the customer (S422).
Payment terminal 1021 collates the password already received at the time of dispatch instruction notification with the password received from the customer (S423), and if it matches, prints the card payment statement (S424) and charges information And the customer ID are transmitted to the settlement system 1014 of the taxi dispatch center device 101 via the vehicle-mounted device 1022 (S425).

The settlement system 1014 of the taxi dispatch center apparatus 101 searches the temporary storage area M for the card number temporarily stored corresponding to the customer ID by the received customer ID (S426), and finds the card number and fee information. After transmitting to the card settlement apparatus 1031 of the card company 103 (S427), the transmitted card number and customer ID are deleted from the temporary storage area M (S428).
The card settlement apparatus 1031 of the card company 103 performs settlement processing of the card number based on the card number and fee information (S429).
If the passwords do not match, card payment is not possible, so cash payment is made.

As is clear from the above, in the present embodiment, when the taxi fare is settled by card, the credit card processing for the payment card held in the portable terminal is completed before the taxi fare is fixed. In addition, it is possible to realize a cardless settlement in which the settlement of the taxi fare can be completed only by confirming the personal identification number without presenting the card to the crew when getting off the taxi. As a result, the same effect as the above-described embodiment can be obtained.
In particular, according to the present embodiment, the vehicle allocation reservation and the vehicle allocation instruction can be completed without intervention by the operator by transmitting and receiving the vehicle allocation reservation screen of the vehicle allocation reservation receiving terminal 1011. Thus, personnel costs can be reduced.

In addition, it can replace with a PIN code and can comprise so that identification may be performed by biometric information, such as a finger vein.
In addition, the taxi fare and the card number are not transmitted to the card payment device 1031 of the card company each time, but are temporarily stored in a storage device in an environment where strict security is ensured in the taxi dispatch center device 101. In addition, it can be configured to periodically transmit to the card company.

It is a system configuration figure showing an embodiment of the invention. It is a sequence diagram which shows the procedure which implement | achieves the cardless payment of a taxi fare, when card information and customer ID are linked | related and hold | maintained at the customer master of a taxi company. It is a sequence diagram which shows the procedure which implement | achieves the cardless payment of a taxi fare, when card information and the customer ID of a taxi company are tied and hold | maintained at the card information master of a card company. It is a sequence diagram which shows 3rd Embodiment which was made to perform cardless payment by the card information hold | maintained in portable terminals, such as a mobile telephone.

Explanation of symbols

DESCRIPTION OF SYMBOLS 101 Taxi dispatch center apparatus 102 Taxi vehicle 103 Card company 106 Telephone 1011 Vehicle dispatch reservation reception terminal 1012 CTI system 1013 Customer master 1014 Payment system 1015 Car dispatch system 1031 Card payment apparatus 1021 Payment terminal 1022 Onboard equipment

Claims (12)

A cardless payment method for taxi fare,
Taxi dispatch center equipment
A first step of searching the customer database for payment card information registered in a pair with the user identification information based on the user identification information received at the time of dispatching from the taxi user, and the searched payment card information User identification information for the payment terminal mounted on the taxi that the taxi user boarded by the taxi user who sent the card payment institution, inquired about the credit and received the credit result, and reserved for dispatch according to the credit result A third step of transmitting
The in-vehicle payment terminal is
A fourth step of transmitting the determined taxi usage fee information and user identification information to the taxi dispatch center device when the taxi usage fee is determined;
The taxi dispatch center device is
The customer identification information received from the in-vehicle payment terminal is searched for the payment card information registered in a pair with the user identification information from the customer database and received from the payment card information and the in-vehicle payment terminal. And a fifth step of transmitting the taxi usage fee information to the card settlement organization. A cardless payment method for taxi fare,
Taxi dispatch center equipment
The first step of sending the user identification information received from the taxi user at the time of dispatch reservation to the card settlement institution, receiving the credit result by referring to the credit, and the taxi user who made the reservation for dispatch according to the credit result A second step of transmitting user identification information to the payment terminal mounted on the taxi,
The payment device of the card payment institution is
Based on the user identification information received from the taxi dispatch center device, the payment card information registered in a pair with the user identification information is searched from the card information database, credit processing relating to the searched payment card is performed, and the credit A third step of returning a result to the taxi dispatch center device;
The in-vehicle payment terminal is
A fourth step of transmitting the determined taxi usage fee information and user identification information to the taxi dispatch center device when the taxi usage fee is determined;
The taxi dispatch center device is
A fifth step of transmitting taxi fare information and user identification information received from the in-vehicle payment terminal to a card payment institution;
The payment device of the card payment institution is
The card information database is searched for the payment card information registered in a pair with the user identification information by the user identification information received from the taxi dispatch center device, and the payment based on the taxi usage fee information for the searched payment card. A cardless payment method for taxi fare, comprising: a sixth step of performing processing.   In the second step, the personal identification number registered in the card settlement organization is received together with the credit result from the card settlement organization, and in the third step, the personal identification number is added to the taxi and transmitted to the in-car settlement terminal. The PIN number received from the user in the fourth step is compared with the PIN number received from the taxi dispatching center device, and the taxi fee information and the user identification information determined only when they match are used as the taxi. 3. The cardless payment method for taxi fare according to claim 1, wherein the taxi fare is transmitted to a vehicle dispatch center device. A cardless payment method for taxi fare,
Taxi dispatch center equipment
Accepting user identification information and payment card information at the time of dispatching from a taxi user, sending the payment card information to the card payment institution, receiving credit inquiry and receiving the credit result, and using the payment card information A first step of associating the person identification information with the temporary storage means and temporarily storing it in the temporary storage means, and depending on the credit result, the credit result and the above-mentioned A second step of transmitting the user identification information received in the first step;
The in-vehicle payment terminal is
A third step of transmitting the determined taxi usage fee information and the user identification information to the taxi dispatch center device when determining the taxi usage fee;
The taxi dispatch center device is
Of the taxi use fee information and user identification information received from the in-vehicle payment terminal, the payment card information temporarily stored in the temporary storage means is searched by the user identification information, and the searched payment card information and the in-vehicle information A taxless cardless payment method comprising: a fourth step of transmitting taxi use fee information received from a payment terminal to a card payment institution.   In the first step, a password registered with the card settlement organization is received together with the credit result from the card settlement organization, and in the second step, the password is added to the taxi and transmitted to the on-board settlement terminal. In the third step, the code number received from the user and the code number received from the taxi dispatch center device are collated, and the taxi fee information and the user identification information determined only when they are matched match the taxi dispatch 5. The taxless cardless payment method according to claim 4, wherein the taxi fee is transmitted to a center device.   6. The taxi fare cardless payment method according to claim 3, wherein biometric authentication information unique to a taxi user is used instead of the password. It consists of a taxi dispatch center device and a payment terminal mounted on the taxi.
The taxi dispatch center device is
A first means for retrieving from the customer database the payment card information registered in a pair with the user identification information based on the user identification information received at the time of dispatching from the taxi user, and the retrieved payment card information User identification for the payment means mounted on the taxi on which the taxi user who booked the vehicle boarding rides, according to the second means to send to the card payment institution, inquire credit and receive the credit result, and according to the credit result A third means for transmitting information;
The in-vehicle payment terminal is
A fourth means for transmitting the determined taxi usage fee information and the user identification information to the taxi dispatch center device when the taxi usage fee is determined;
The taxi dispatch center device is
The customer identification information received from the in-vehicle payment terminal is searched for the payment card information registered in a pair with the user identification information from the customer database and received from the payment card information and the in-vehicle payment terminal. A taxless cardless settlement system, comprising: a fifth means for transmitting the taxi usage fee information to the card settlement organization. It consists of a taxi dispatch center device and a payment terminal mounted on the taxi.
Taxi dispatch center equipment
The first means for transmitting the user identification information received at the time of the vehicle reservation from the taxi user to the card payment institution, receiving the credit result by referring to the credit, and the taxi user who made the vehicle reservation according to the credit result A second means for transmitting user identification information to a payment terminal mounted in a taxi on board;
The payment device of the card payment institution is
Based on the user identification information received from the taxi dispatch center device, the payment card information registered in a pair with the user identification information is searched from the card information database, credit processing relating to the searched payment card is performed, and the credit Third means for returning a result to the taxi dispatch center device;
The in-vehicle payment terminal is
A fourth means for transmitting the determined taxi usage fee information and the user identification information to the taxi dispatch center device when the taxi usage fee is determined;
The taxi dispatch center device is
A fifth means for transmitting the taxi fare information and user identification information received from the in-vehicle payment terminal to a card payment institution;
The payment device of the card payment institution is
The card information database is searched for the payment card information registered in a pair with the user identification information by the user identification information received from the taxi dispatch center device, and the payment based on the taxi usage fee information for the searched payment card. A taxi cardless payment system comprising: a sixth means for performing processing.   The second means receives a personal identification number registered in the card clearing house together with the credit result from the card clearing house, and the third means adds the personal identification number and transmits the taxi to the on-board payment terminal, The fourth means compares the password received from the user with the password received from the taxi dispatch center device, and the taxi charge information and the user identification information determined only when they match are used for the taxi dispatch. 9. The taxi fare cardless payment system according to claim 7, wherein the taxi fare cardless payment system is transmitted to a center device. It consists of a taxi dispatch center device and a payment terminal mounted on the taxi.
Taxi dispatch center equipment
Accepting user identification information and payment card information at the time of dispatching from a taxi user, sending the payment card information to the card payment institution, receiving credit inquiry and receiving the credit result, and using the payment card information The first means for temporarily storing the identification information in the temporary storage means in association with the person identification information, and the payment terminal mounted on the taxi on which the taxi user who made the reservation for the car rides according to the credit result. Second means for transmitting the user identification information accepted by the means;
The in-vehicle payment terminal is
A third means for transmitting the determined taxi usage fee information and the user identification information to the taxi dispatch center device when the taxi usage fee is determined;
The taxi dispatch center device is
Of the taxi use fee information and user identification information received from the in-vehicle payment terminal, the payment card information temporarily stored in the temporary storage means is searched by the user identification information, and the searched payment card information and the in-vehicle information A taxless cardless payment system comprising: a fourth means for transmitting taxi use fee information received from a payment terminal to a card payment institution.   The first means receives a personal identification number registered in the card clearing house together with the credit result from the card clearing house, and the second means adds the personal identification number and transmits the taxi to the in-car settlement terminal, The third means collates the code number received from the user with the code number received from the taxi dispatch center device, and the taxi charge information and the user identification information determined only when they match match the taxi dispatch. 11. The taxi fare cardless payment system according to claim 10, wherein the taxi fare cardless payment system is transmitted to a center device.   12. The taxless cardless payment system according to claim 9, wherein biometric authentication information unique to a taxi user is used instead of the password.

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