Card payment method for service charge concerning to physical distribution or transportation
A portable card reader 22 reads data from a credit card 20 issued by an account settlement institution, transmits the data for the card and the data for a service charge to the account settlement institution. When the account settlement institution receives from the portable card reader 22 the data for the credit card 20 and the data for the service charge, the account settlement institution issues a credit inquiry for the consumer based on the data received for the credit card and predetermined data for determining the validity of an account settlement card, and settles the service charge based on the result of the credit inquiry obtained by the credit inquiry and the service charge data that is received. Upon receiving the result of the credit inquiry, the portable card reader 22 issues a receipt in accordance with the result of the credit inquiry and the service charge data.
1. A card settlement method, for settling a charge for a distribution or transportation associated service, comprising:
exchanging data through a radio communication line between a portable card reader carried by a service dealer who provides the service and a host computer;
wherein the portable card reader:
reads card data from an accounting card used by the consumer at the destination of the distribution or the transportation; and
transmits the card data, an inquiry number that represents a service management number, and service charge data through the radio communication line to the host computer,
the host computer:
receives the card data, the inquiry number, and the service charge data from the portable card reader;
transmits a credit inquiry request with the card data to an account settlement server that settles accounts for the consumer;
receives the result of the credit inquiry about the accounting card regarding the card data from the account settlement server; and
transmits the result of the credit inquiry through the radio communication line to the portable card reader,
the portable card reader:
receives the result of the credit inquiry from the host computer through the radio communication line; and
issues a receipt based on the result of the credit inquiry and the service charge data,
the host computer:
transmits the service charge data to the account settlement server; the account settlement server:
transmits a money value calculated by subtracting a commission from the service charge to an account server that settles accounts for the service dealer;
the host computer:
transmits each inquiry number and each service charge data regarding each inquiry number to a service management server associated with the service dealer.
2. The card settlement method according to claim 1 , wherein after transmitting the result of the credit inquiry to the portable card reader, the host computer deletes the authentication number included in the card data.
3. The card settlement method according to claim 1 , wherein the accounting card is a credit card issued by a credit company or a debit card issued by a financial institution.
4. A card settlement system for settling a charge for a distribution or transportation associated service, comprising:
a portable card reader carried by a service dealer who provides the service, and a host computer configured to exchange data for the portable card reader through a radio communication line,
wherein the portable card reader comprises:
a card reader configured to read card data from an accounting card used by the consumer at the destination of the distribution or the transportation; and
a communication controller configured to transmit the card data, an inquiry number that represents a service management number, and service charge data through the radio communication line to the host computer;
a communication processor configured to receive the result of the credit inquiry from the host computer through the radio communication line; and
an issuing unit configured to issue a receipt based on the result of the credit inquiry and the service charge data, and
the host computer comprises:
a first communication processor configured to receive the card data, the inquiry number, and the service charge data from the portable card reader;
a second communication processor configured to transmit a credit inquiry request with the card data to an account settlement server that settles accounts for the consumer;
a third communication processor configured to receive the result of the credit inquiry about the accounting card regarding the card data from the account settlement server;
a fourth communication processor configured to transmit the result of the credit inquiry through the radio communication line to the portable card reader;
a fifth communication processor configured to transmit the service charge data to the account settlement server; and
a sixth communication processor configured to transmit the inquiry number and the service charge data to a service management server associated with the service dealer;
the account settlement server comprises:
a communication processor configured to transmit a money value calculated by subtracting a commission from the service charge to an account server that settles accounts for the service dealer.
5. The card settlement system according to claim 4 , wherein the host computer further comprises:
a deletion unit configured to, after transmitting the result of the credit inquiry to the portable card reader, delete the authentication number included in the card data.
6. The card settlement system according to claim 4 ,
wherein the accounting card is a credit card issued by a credit card company or a debit card issued by a financial institution.