JP2015185089A - Shop settlement terminal, mobile terminal, and shop settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make unnecessary for a shop to have a shop clerk and a register for settlement of a commodity price in cash.SOLUTION: A shop settlement terminal lent to a purchaser of commodities in a shop comprises: a reader writer unit for writing in and reading out from an IC card owned by the purchaser; a radio communication unit for communicating with a server in a management company of the IC card through a communication network at a time of settlement; settlement method recognition means for recognizing settlement methods by which settlement by the IC card is permitted; a barcode reading unit for reading a barcode attached to a commodity; commodity price acquisition means for acquiring price information on the commodity with the read barcode; settlement execution instruction reception means for presenting settlement methods by which settlement of the total of prices of commodities read by the barcode reading unit is permitted among the settlement methods recognized by the settlement method recognition means, and for accepting a settlement execution instruction by the purchaser by a settlement method selected from the presented settlement methods; and settlement means for performing processing corresponding to the selected settlement method.

Description

  The present invention relates to a store settlement terminal, a portable terminal, and a store settlement system that can perform settlement related to purchase of merchandise without involving the store clerk in the store.

  An IC (Integrated Circuit) card lead disclosed in Patent Document 1 (Japanese Patent Application Laid-Open No. 2004-227607) has been conventionally used as a store settlement terminal capable of performing settlement related to product purchases without involving the store clerk in the store. There is a portable terminal for light.

  The portable terminal for IC card read / write disclosed in this Patent Document 1 is “a card reader / writer 9 that executes reading and writing of an IC card 8 with a built-in nonvolatile memory that stores a reserved amount as electronic money, ... the bar code reader 11 is built-in (paragraph 0012), "When a PIN is input, the sales process of the product is performed by the purchase operation of the customer's own purchase" (0023) Paragraph). Then, in response to “input of merchandise sales data such as reading of a merchandise code with the bar code reader 11 and input of sales quantity using the numeric keypad 6” (paragraph 0024), and “determining that the closing key has been pressed, The total sales amount is calculated ”(paragraph 0025), and“ the reserved amount of the IC card 8 in the card reader / writer 9 is subtracted and updated by the total sales amount ”(paragraph 0026), and settlement is performed.

  Therefore, according to the portable terminal for IC card read / write disclosed in Patent Document 1, sales processing operations such as sales amount input can be simplified, input errors can be prevented, and sales can be efficiently and reliably performed. There is an effect that processing is performed.

JP 2004-227607 A

  However, the IC card read / written by the IC card read / write portable terminal disclosed in Patent Document 1 can only be settled within the range of the reserved amount as electronic money stored (charged) in advance. Only. For this reason, there is a problem that the purchase of the product by the IC card 8 is limited by the reserved amount. And since it is necessary to accept payment of the goods price by cash for the purchaser who wishes to purchase goods exceeding the reservation amount of the IC card 8, the store is used for settlement of the goods price by cash. Salesclerks and registers will be required.

  The present invention is to provide a store settlement terminal that can eliminate the above limitation in the amount of money that can be used by a customer, and can eliminate a store clerk and a register for settlement of product prices in cash. Objective.

In order to solve the above problems, the invention of claim 1
A reader / writer unit for communicating with an IC card for settlement of purchased goods owned by a purchaser, and for writing and reading with respect to the IC card;
A wireless communication unit for payment by a payment method that needs to communicate with a server of an IC card management company through a communication network at the time of payment among a plurality of types of payment methods enabled by the IC card;
A payment method recognition means for recognizing a payment method that can be settled by the IC card when the IC card is ready to communicate with the reader / writer unit;
A barcode reading unit for reading the barcode attached to the product;
Product price acquisition means for acquiring price information of the product with the barcode read by the barcode reader;
For the product read by the barcode reading unit, among the payment methods recognized by the payment method recognition means, a payment method capable of paying for the total price acquired by the product price acquisition means is presented, and the presentation A payment execution instruction receiving means for receiving a payment execution instruction by the buyer according to a payment method selected from the set payment methods;
Based on the price information acquired by the product price acquisition unit, regarding the purchase of the product whose barcode is read by the barcode reading unit when the payment execution instruction of the product is received by the payment execution instruction reception unit, Payment means for performing processing corresponding to the selected payment method for payment using the IC card;
A store payment terminal is provided.

  When the IC card becomes communicable with the reader / writer unit, the store settlement terminal according to the invention of claim 1 recognizes a settlement method that can be settled by the IC card. Here, the payment method can be, for example, electronic money (auto-charge not possible), auto-chargeable electronic money, credit, or the like.

  The user reads the barcode of the product to be purchased with the barcode reading unit provided in the store settlement terminal. The store payment terminal presents a payment method that can be settled for the total price acquired by the product price acquisition means among the payment methods recognized by the payment method recognition means. The payment execution instruction for the purchased product by the payment method selected by the user is received.

  Then, when the store settlement terminal accepts the settlement execution instruction, the purchaser purchases the product whose barcode is read by the barcode reader in the settlement unit based on the price information acquired by the product price acquisition unit. Processing corresponding to the IC card settlement method is performed.

  For example, when the payment method of the IC card is electronic money, the payment means performs a process of subtracting the total price of products purchased from the electronic money, and when the payment method of the IC card is credit, Access the server through the communication network and execute payment.

  As described above, in the store settlement terminal of the present invention, among the settlement methods using the IC card, only the settlement method that can be settled for the total price of the product to be purchased is presented to the user, and the settlement by the user is performed. Accept payment instructions by possible payment methods. Accordingly, since payment is always performed in a state where the payment method using an IC card can be used, the use limit of the IC card with respect to the total amount of products to be purchased is insufficient, so it is necessary to give and receive in cash. There is nothing. For this reason, the user can shop at the store only by bringing the IC card, and the store does not require a store clerk or register to handle cash.

  In the store settlement terminal of the present invention, the settlement can be executed by accessing the server of the management company through the communication network. Therefore, not only electronic money but also electronic money that can be charged automatically as an IC card settlement method can be used. And credit cards are available. Therefore, the user can make a purchase by selecting a card to be used for settlement with the IC card he / she owns, which is very convenient. On the other hand, the store side allows the purchase of products within the range of the usage limit of the IC card itself or within the range of the maximum amount contracted with the credit company. The use can be provided as an IC card that can be used by the purchaser, and there is a sales appeal effect.

The invention of claim 6
A store payment terminal lent at a store,
Through a card information storage unit that stores card information for payment of purchased goods owned by the purchaser, first contactless communication means that communicates with the store payment terminal, and the first contactless communication means A second non-contact communication means for communicating with the first non-contact communication means of a portable terminal comprising means for writing and reading the card information of the card information storage unit based on the communication,
A wireless communication unit for payment by a payment method that needs to communicate with a server of an IC card management company through a communication network at the time of payment among a plurality of types of payment methods enabled by the IC card;
A control unit for performing payment processing for purchase of a product using information on the card of the mobile terminal acquired through the second contactless communication means;
The control unit includes:
A settlement means notifying means for notifying a user of a settlement method that allows settlement based on the card information of the portable terminal when communication with the portable terminal becomes possible through the second non-contact communication means;
Barcode reading means for reading the barcode attached to the product;
Product price acquisition means for acquiring price information of the product with the barcode read by the barcode reading means when the payment processing is permitted;
A payment execution instruction receiving means for receiving a payment execution instruction by the buyer according to a payment method selected from the payment methods notified by the payment means notification means for the product read by the barcode reading unit;
Based on the price information acquired by the product price acquisition unit, regarding the purchase of the product whose barcode is read by the barcode reading unit when the payment execution instruction of the product is received by the payment execution instruction reception unit, Payment means for performing processing corresponding to the selected payment method for payment using the card information of the mobile terminal to the mobile terminal via the second contactless communication means;
A store payment terminal is provided.

  According to the invention of claim 6, the store settlement terminal uses a mobile terminal having a so-called wallet function in which card information for settlement using an IC card is stored, such as a mobile phone terminal, instead of the IC card. It can be used as a settlement target means. The invention of claim 6 also has the same effect as that of claim 1.

  According to the present invention, only the settlement method that can be settled for the total price of the products to be purchased is presented to the user, and the settlement instruction by the settlement method that can be settled by the user is accepted. Is always performed in a state where a payment method using an IC card is available. For this reason, the user can shop at the store only by bringing the IC card, and the store side is not able to use the IC card for the total amount of products to be purchased. Since there is no need to send or receive by, there is no need for cashiers and cashiers.

  In addition, according to the present invention, not only electronic money but also electronic money and credit cards that can be automatically charged can be used as a payment method using an IC card. Therefore, the user selects an IC card to be used for payment. You can shop at and it is very convenient. Further, on the store side, various IC cards can be used as IC cards that can be used by buyers, and there is a sales appeal effect.

It is a figure showing an example of composition of a 1st embodiment of a store settlement system by this invention. It is a block diagram which shows the structural example of 1st Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the process operation example of 1st Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the process operation example of 1st Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the process operation example of 1st Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the process operation example of 1st Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the process operation example of 1st Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the process operation example of 1st Embodiment of the store payment terminal by this invention. It is a figure for demonstrating the example of a processing operation of 1st Embodiment of the store payment terminal by this invention, Comprising: It is a figure which shows the example of a display of the display screen of the store payment terminal of embodiment. It is a figure for demonstrating the example of a processing operation of 1st Embodiment of the store payment terminal by this invention, Comprising: It is a figure which shows the example of a display of the display screen of the store payment terminal of embodiment. It is a figure which shows the structural example of 2nd Embodiment of the store payment system by this invention. It is a block diagram which shows the structural example of the mobile telephone terminal as embodiment of the portable terminal connected non-contactly with 2nd Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the processing operation example of 2nd Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the processing operation example of 2nd Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the processing operation example of 2nd Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the processing operation example of 2nd Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the processing operation example of 2nd Embodiment of the store payment terminal by this invention. It is a figure which shows a part of flowchart for demonstrating the processing operation example of 2nd Embodiment of the store payment terminal by this invention.

  Hereinafter, embodiments of a store settlement terminal, a portable terminal, and a store settlement system according to the present invention will be described with reference to the drawings.

[Description of Configuration Example of First Embodiment of Store Payment System]
FIG. 1 is a diagram showing a configuration example of a first embodiment of a store settlement system according to the present invention. As shown in FIG. 1, a plurality of store settlement terminals 1 lent to each purchaser are prepared in the store 10. This store settlement terminal 1 is a first embodiment of a store settlement terminal according to the present invention. In this embodiment, the store settlement terminal 1 is attached to a shopping basket.

  The store settlement terminal 1 of the first embodiment includes an insertion portion (not shown) of an IC tag built-in card (hereinafter referred to as an IC tag-attached card) 2 as an example of an IC card, A card reader / writer for writing to and reading from the IC tag of the card 2 with IC tag is incorporated. Here, the IC tag is a semiconductor chip called RFID (Radio Frequency Identification), and is configured to be able to perform wireless communication with a card reader / writer.

  The store settlement terminal 1 also includes a barcode reader that reads a barcode attached to a product package or the like. The user reads the barcode of the product to be purchased by the barcode reader of the store settlement terminal 1 ”and puts it in the shopping cart. When the settlement of the purchased product is completed, the user stores the purchased product from the shopping basket in a take-out bag and takes it home. It should be noted that a sticker indicating that the product has been purchased is attached to a shopping basket or a large product that cannot be taken into a take-out bag.

  Furthermore, the store settlement terminal 1 of this embodiment includes a wireless LAN communication unit for connecting to a wireless LAN provided in the store 10. And in this example, the terminal number is provided to each store payment terminal 1 as identification information for distinguishing from other store payment terminals 1. The terminal number which is this identification information is added to the data sent from the store settlement terminal 1 to the store server 6.

  The IC-tagged card 2 has a function only for electronic money, a function with electronic money and only an auto charge function, a function only with a credit function, Those with both electronic money and credit functions are available.

  In the embodiment described below, for simplicity of explanation, the IC-tagged card 2 will be described as a case where only an IC credit card managed by a specific credit card company can be used in the store 10. . However, it goes without saying that cards with IC tags managed by a plurality of credit card companies can be used in the store 10.

  The store 10 is provided with a wireless LAN access point device 3 constituting a wireless LAN base station. In this embodiment, the store 10 is also provided with a wired LAN 4, and a wireless LAN access point device 3 is connected to the wired LAN 4. The wired LAN 4 is connected to an external communication device 5 for connection to the credit authentication settlement server 30 managed by the management company of the IC tag-added card 2 through the external communication network 20. The wired LAN 4 is further connected to a store server 6, a receipt issuing machine 7, and a sticker issuing machine. The wired LAN 4 can also be configured as a wireless LAN. That is, the store server 6, the receipt issuing machine 7 and the sticker issuing machine 8 are also configured to be wirelessly connected to the wireless LAN access point device 3, and the communication relay switching device 51 is connected to the store settlement terminal 1, the store server 6 and the receipt. It can also be configured to control the exchange by managing the address of the issuing machine 7.

  The external communication device 5 includes a communication relay switching device 51 and a gateway 52. The store settlement terminal 1 of this embodiment can select and specify the external credit authentication settlement server 30 as a communication partner, and can also select and specify the store server 6 and the receipt issuing machine 7 in the store 10. The communication relay switching device 51 receives an access request to the communication partner from the store settlement terminal 1 through the wireless LAN access point device 3, and performs a connection process to the partner according to the access request.

  That is, when the communication partner from the store settlement terminal 1 is the external credit authentication settlement server 30, the communication relay switching device 51 is connected to the credit authentication settlement server 30 through the gateway 52 and through the external communication network 20. Control is performed so that the store settlement terminal 1 is connected. Further, when the other party of communication from the store settlement terminal 1 is the store server 6 or the receipt issuing machine 7 inside the store 10, the communication relay switching apparatus 51 is connected to the store server 6 or the receipt issuing machine through the wired LAN 4. 7 and the store settlement terminal 1 are controlled to be connected.

  The store server 6 includes a correspondence table of barcodes assigned to products sold in the store 10 and prices and product names of products to which the barcodes are assigned. This correspondence table is updated by the worker of the store 10 in accordance with the update of the sales product. When the store server 6 receives a price acquisition request including a barcode from the store settlement terminal 1, the store server 6 has a function of replying the store settlement terminal 1 with price information corresponding to the barcode.

  Further, as will be described later, when the store server 6 receives a barcode of the purchased product from the store settlement terminal 1 as a sales report, the store server 6 uses the correspondence table for the product corresponding to the received barcode and its price. It has a function to make a determination and record sales.

  The receipt issuing machine 7 is a printer, and prints out a paper receipt based on the information from the store server 6. In this embodiment, when a customer who has purchased a product inputs the terminal number of the store settlement terminal 1 to the receipt issuing machine 7 and makes a receipt issuing request, the receipt issuing machine 7 sends the receipt issuing request to the store. Send to server 6. When the store server 6 receives the terminal number of the store settlement terminal 1 and the receipt issuance request from the receipt issuing machine 7, the store server 6 performs sales recording processing based on the sales report received from the store settlement terminal 1 of the terminal number. The price information is sent to the receipt issuing machine 7. The receipt issuing machine 7 performs a receipt issuing process based on the information received from the store server 6.

  In this embodiment, the store server 6 issues an electronic receipt through the Internet to a purchaser who does not require the store 10 to issue a receipt for sales settled at the store payment terminal 1 at the store 10. Therefore, it also has a function of reporting sales on the Web page of the manager of the store 10 connected to the external communication network 20. Since the electronic receipt issuance through the Internet is not directly related to the present invention, its detailed configuration is omitted here.

  The sticker issuing machine 8 issues a sticker to be attached to a large product that does not enter a shopping basket or a take-out bag, for example. In this embodiment, when a customer who has purchased a product inputs the terminal number of the store settlement terminal 1 to the sticker issuing machine 8 and makes a sticker issuing request, the sticker issuing machine 8 sends the sticker issuing request to the store. Send to server 6. When the store server 6 receives the terminal number of the store settlement terminal 1 and the seal issuance request from the seal issuing machine 8, the store server 6 performs the sales recording process based on the sales report received from the store settlement terminal 1 of the terminal number. Among them, the number of large items is discriminated, and the issuance permission information for the number of stickers is sent to the sticker issuing machine 8. The sticker issuing machine 8 performs a process of issuing stickers of the number permitted by the store server 6.

[Description of hardware configuration example of store settlement terminal 1]
FIG. 2 is a block diagram showing a hardware configuration example of the store settlement terminal 1 of this embodiment. As shown in FIG. 2, the store settlement terminal 1 is connected to a bus 100 with a control unit 101, a wireless LAN communication unit 102, a display control unit 103, a touch panel interface 104, a card reader / writer controller 105, and a barcode reader controller 106. A memory unit 107, an authentication and settlement unit 108, a sales report unit 109, a product price acquisition unit 110, a voice message transmission unit 111, and a button operation unit 112.

  The control unit 101 controls the overall operation of the store settlement terminal 1 and is configured by a computer. The wireless LAN communication unit 102 connects a wireless communication path to the wireless LAN access point device 3, and transmits and receives various kinds of information as described above. The wireless LAN communication unit 102 incorporates a nonvolatile memory that stores identification information of the store settlement terminal 1 itself, and always adds the identification information to information to be transmitted. In the store server 6, a plurality of store payment terminals 1 can be identified by the identification information of the store payment terminal 1. As the identification information of the store settlement terminal 1, for example, a number assigned to the store settlement terminal 1 is used, and the number is displayed on the display screen 121D of the display 121 of the store settlement terminal 1.

  A display 121 made of, for example, an LCD (Liquid Crystal Display) is connected to the display control unit 103. As will be described later, the display screen of the display 121 displays a message for the user (purchaser), the price of the product to be purchased, and icon buttons such as a shopping end button, a cancel button, and a settlement execution button. Is displayed.

  The touch panel interface 104 is connected to a touch panel 122 arranged so as to overlap the display 121. The touch panel 122 constitutes an operation input unit for a shopping end button, a cancel button, a settlement execution button, and the like displayed on the display screen of the display 121.

  In this embodiment, as shown in FIG. 1, the store settlement terminal 1 includes a push button power button PW. The button operation unit 112 receives a pressing operation of the power button PW. When the control unit 101 detects that the power button PW has been pressed through the button operation unit 112 in the power-off state, the control unit 101 turns on the store settlement terminal 1.

  Further, when the control unit 101 detects that the power button PW is pressed through the button operation unit 112 in the power-on state, the control unit 101 displays the display screen 121D (see FIG. 1) of the display 121 through the display control unit 103. A message is displayed asking the user whether to turn off the power. At this time, “turn off power” and “cancel” icon buttons are displayed on the display screen 121D, and the user waits for a touch operation of any one of the icon buttons. At this time, if there is an unpurchased product (before settlement) in the store settlement terminal 1 because the shopping end button has not been operated, a message to that effect is also displayed on the display screen 121D. Like that.

  In this embodiment, as will be described later, when the purchase product for which the settlement execution button is operated is settled, the power is automatically turned off after the settlement process is completed. Note that the control unit 101 turns off the power of the store settlement terminal 1 after discharging the IC-tagged card 2 from the store settlement terminal 1.

  The card reader / writer controller 105 is connected to a card reader / writer 123 that reads / writes data from / to the IC tag 21 of the card 2 with IC tag. The card reader / writer 123 performs wireless communication with the IC tag 21 of the IC tag-attached card 2 inserted into the insertion unit, and performs writing and reading on the IC tag 21.

  The barcode reader controller 106 is connected to a barcode reader 124 for optically reading a barcode attached to a product displayed in the store 10. In the store settlement terminal 1 of this embodiment, the barcode reading port 124A (see FIG. 1) of the barcode reading device 124 is provided on the surface opposite to the surface on which the display screen 121D is provided. The attached barcode is optically read by the barcode reader 124. The barcode read by the barcode reader 124 is temporarily held in the memory unit 107 through the bus 100 by the barcode reader controller 106.

  The memory 107 is acquired by the product price acquisition unit 110, as will be described later, and the barcode of the product to be purchased read by the user (purchaser) lent by the store settlement terminal 1 with the barcode reader 124. The product name and price information to be stored are associated and temporarily stored.

  The memory unit 107 stores information only when the power is turned on by the power button and the store settlement terminal 1 is turned on. When the power is turned off, the memory contents of the memory unit 107 are stored. Disappear. Therefore, the information of the IC tag-added card 2 of the previous user (customer) and the information of the purchased product are deleted from the memory unit 107 when the power is turned off, so that the security is maintained.

  The authentication and settlement unit 108 follows the control of the control unit 101 when performing settlement relating to the purchase of a product based on the fact that the IC-tagged card 2 is a credit card and the user has operated the shopping end button. Then, access to the credit authentication settlement server 30 of the management company (credit card company) of the IC-tagged card 2 and use the information from the IC-tagged card 2 received through the card reader / writer controller 105 to authenticate the card 2 ( (Authentication of whether the card is valid) is performed. In order to access the credit authentication settlement server 30, the authentication and settlement unit 108 incorporates a nonvolatile memory that stores a URL (Uniform Resource Locator) as destination information (address information).

  Further, when the inserted IC tag-added card 2 has an electronic money function and is an auto-chargeable card, the authentication and settlement unit 108 reports the performed auto-charge to the credit authentication settlement server 30. Like that.

  The sales report unit 109 reads the barcode of the product purchased by the settlement from the memory unit 107 when the user completes the settlement for the purchased product by operating the shopping end button, and as sales information, It has a function of wirelessly transmitting through the wireless LAN communication unit 102 with the store server 6 as a destination. The sales report unit 109 incorporates a nonvolatile memory that stores address information on the wired LAN 4 as destination information of the store server 6. As described above, since the identification information of each store settlement terminal 1 is added to the information transmitted by each store settlement terminal 1, the store server 6 identifies the identification information (this example) of the store settlement terminal 1. The terminal number) can identify which store settlement terminal 1 is the sales report.

  Each time the user reads a barcode attached to a product using the barcode reader 124 of the store settlement terminal 1, the product price acquisition unit 110 generates a price request including the read barcode, The price request is sent through the wireless LAN communication unit 102 with the store server 6 as the destination. When the store server 6 receives this price request, it acquires the product name and price information of the product corresponding to the barcode included in it from the built-in correspondence table, and stores the barcode, product name, price information, Is returned to the store settlement terminal 1 that has transmitted the price request. The product price acquisition unit 110 of the store settlement terminal 1 stores the returned barcode, product name, and price information in the memory unit 107 in association with each other.

  In this embodiment, since the store server 6 stores a correspondence table of barcodes, product names, and price information, the product price acquisition unit 110 of the store settlement terminal 1 stores in the store server 6. The price information of the product is obtained by accessing, but the store settlement terminal 1 itself stores the correspondence table of the barcode, the product name, and the price information, and the correspondence is performed in the terminal 1 itself. The product name and price information can be obtained from the table.

  A speaker 126 is connected to the voice message sending unit 111 through an amplifier 125. The voice message sending unit 111 emits a message that is better to be reported to the user by voice among the messages displayed on the display screen 121 </ b> D from the speaker 126 through the amplifier 125 by the synthesized voice. In addition, the voice message sending unit 111 emits a “beep” sound for notifying completion of reading at the time of reading a barcode, a sound for notifying that an icon button is operated through the touch panel 122, and the like.

  In the hardware configuration of the store settlement terminal 1 described above, the display control unit 103, the touch panel interface 104, the card reader / writer controller 105, the barcode reader controller 106, the authentication and settlement unit 108, the sales report unit 109, and the product price acquisition unit 110. , Each of the functions of each unit can be configured as a software processing function by the control unit 101 including a computer executing a program.

[Processing operation example of the store settlement terminal 1]
Next, a processing operation example of the store settlement terminal 1 having the above configuration will be described with reference to flowcharts shown in FIGS. 3 to 8 and display examples of the display screen 121D shown in FIGS. 3 to 8, the display control unit 103, the touch panel interface 104, the card reader / writer controller 105, the barcode reader controller 106, the authentication and settlement unit 108, the sales report unit 109, the product price acquisition unit. Each of the functions 110 will be described as a case where the control unit 101 is realized as a software processing function by a program.

  When the power button PW is pressed to turn on the power, the control unit 101 starts processing from the start of FIG.

  First, as shown in FIG. 9A, the control unit 101 displays a message prompting the user to insert the IC-tagged card 2 on the display screen 121D (step S101). As described above, the display screen 121D displays a terminal number (terminal No. 1 in the example in the figure) that is an example of identification information of the store settlement terminal 1.

  Next, the control unit 101 determines whether or not the IC-tagged card 2 has been inserted into the terminal 1 (step S102). If not, the control unit 101 returns to step S101 to prompt insertion. When it is determined in step S102 that the IC-tagged card 2 has been inserted into the terminal 1, the control unit 101 reads and checks information related to the card from the IC tag of the inserted card (step S103). This check is whether the inserted card can use electronic money, whether electronic money can be automatically charged, whether it is a credit card, or a card that cannot be used.

  And the control part 101 discriminate | determines whether the inserted card is the card 2 with an IC tag which can be used with the said store payment terminal 1 (step S104), and when it is a card which cannot be used, the control part 101 is For example, as shown in FIG. 9B, the display screen 121D displays “You can't shop with this card”, and the card is discharged from the store settlement terminal 1 (step S105).

  Next, the control unit 101 waits for the elapse of a predetermined time (step S106). When the predetermined time elapses, the control unit 101 turns off the power (step S107) and ends this processing routine.

  When it is determined in step S104 that the card inserted into the store settlement terminal 1 is the usable IC tag-added card 2, the control unit 101 can use the inserted IC tag-added card 2 with the card. The settlement method and the limit amount for each settlement method are displayed (step S111 in FIG. 4). That is, on the display screen 121D of the store settlement terminal 1, for example, as shown in FIG. 9C, electronic money and credit are displayed as available settlement methods, and the respective usage limit amounts are displayed.

  Next, as shown in FIG. 10A, the control unit 101 displays a message prompting the user to read bargain information on the display screen 121 </ b> D, bargain information guidance display, coupon information guidance display, and purchase item (see FIG. 10A). Step S112).

  Next, the control unit 101 determines whether or not the barcode attached to the product has been read by the barcode reader 124 via the barcode reader controller 106 (step S113), and the barcode is read. If it is determined that there is no, it is determined whether or not the power button PW has been operated to turn off the power (step S114). When it is determined in step S114 that the power-off operation has not been performed, the control unit 101 returns the process to step S113 and repeats the process as to whether or not the barcode has been read. When it is determined in step S114 that the power-off operation has been performed, the control unit 101 ejects the card 2 with the IC tag, performs a power-off process (step S115), and ends this processing routine.

  When it is determined in step S113 that the barcode has been read, the control unit 101 sends a price acquisition request including the read barcode to the store server 6, and obtains the product name of the corresponding product and its price information. Obtained from the store server 6 and stored in the memory unit 107 (step S116). In addition, the store server 6 is a large-sized product in which the product whose barcode is read does not enter the shopping basket or the take-out bag, and is the product attached to the seal, the store payment terminal 1 Send to.

  Next, the control unit 101 receives an input of the purchase quantity of the product from the user (step S117), and reads the product name, price and purchase quantity of the product to be purchased, the purchase price and the barcode so far. As shown in FIG. 10B, the total purchase price of the product is displayed on the display screen 121D (step S118).

  A shopping end button 131 and a cancel button 132 are displayed as icon buttons on the display screen 121D shown in FIG. 10B when the barcode of the purchased product is read by the barcode reader 124. The shopping end button 131 is a button that is touch-operated when the purchase of the product is completed and the price is settled, and a plurality of unconfirmed purchases are displayed as shown in FIG. When the shopping end button 131 is touched, a purchase price settlement request is made for all of the plurality of products. The cancel button 132 is a button for canceling the purchase of the product whose barcode is read, and after touching the line of the product name to be canceled on the display screen 121D, the cancel button 132 is touched. The purchase of the product can be canceled by deleting the product name and the price from the display screen 121D (also deleting from the memory unit 107). In the flowchart of this example, the processing part related to the operation of the cancel button 132 is omitted.

  Subsequent to step S118, the control unit 101 determines that the total purchase amount of all the products that have been read in barcodes exceeds the limit among the available payment methods recognized in step S111. It is determined whether or not there is (step S119). When it is determined in step S119 that there is a settlement method in which the total purchase amount exceeds the limit, the control unit 101 determines whether all of the available settlement methods recognized in step S111 exceed the limit. (Step S120).

  If it is determined in this step S120 that some of the available payment methods exceed the limit, the control unit 101 displays a warning on the display screen 121D indicating the payment method exceeding the limit (step S120). S121). At this time, in addition to the warning display on the display screen 121D, a voice warning may be given through the speaker 126. In the example of FIG. 10B, a warning is displayed by displaying that the purchase amount has exceeded the limit (remaining amount) of electronic money.

  If it is determined in step S120 that all of the available payment methods exceed the limit, the control unit 101 displays a message to that effect on the display screen 121D and announces through the speaker 126. The user is urged to pay for the purchase of a product within the limit amount (step S122).

  When it is determined in step S119 that the total purchase price of all the products read with the barcode does not exceed the limit of all available payment methods, and after steps S121 and S122, the control unit 101 Determines whether the shopping end button 131 has been operated (step S131 in FIG. 5). When it is determined in step S131 that the shopping end button 131 has not been operated, the control unit 101 returns the process to step S113, and repeats the processes after step S113.

  When it is determined in step S131 that the shopping end button 131 has been operated, the control unit 101 displays on the display screen 121D only the settlement methods that can be settled within the range of the total price of the purchased product at that time. Displayed (step S132). A display example of the display screen 121D at this time is shown in FIG. In the example of FIG. 10C, it is displayed that both electronic money and credit can be used as the settlement method, and a message prompting to select one of the settlement methods is displayed. Then, on this display screen 121D, a settlement execution button 133 is also displayed as an icon button.

  When the shopping end button 131 is operated, when the total amount (purchase amount) of purchased products exceeds all the limit amounts of the available payment methods recognized in step S111, the display screen 121D is displayed. This is displayed as shown in FIG. Then, only the return button 134 is displayed on the display screen 121D, the settlement execution button 133 is not displayed, and the user cannot make a settlement as it is. The user who has received this warning operates the return button 134 to make a settlement, and returns to the display screen before operating the shopping end button 131 as shown in FIG. Cancel the purchase of a part of the product so that the total purchase amount is below the limit of the available payment methods. Then, the shopping end button 131 is operated to display a display screen 121D on which a settlement execution button 133 is displayed as shown in FIG.

  After step S132, the control unit 101 accepts the selection of a settlement method and the operation of the settlement execution button 133 on the display screen 121D shown in FIG. 10C. What is the selected settlement method? It is determined whether or not there is (step S133).

  When it is determined in this step S133 that the payment method instructed to be executed is electronic money, the control unit 101 performs payment by subtracting the total amount of purchased products from the remaining amount of electronic money, and pays the user a product purchase payment. The completion is notified and the electronic money balance after subtraction is displayed (step S134). Next, the control unit 101 sends to the store server 6 a sales record request including the barcodes and the quantities of the products for which payment has been completed as sales information (step S135).

  Upon receiving this sales totaling request, the store server 6 performs sales recording processing on the assumption that the reported number of products included in the barcode has been purchased, and when the sales recording processing is completed, The accounting completion notification is sent to the store settlement terminal 1 that has requested sales.

  The control unit 101 of the store settlement terminal 1 waits for the receipt of the sales report completion notification from the store server 6 (step S136), and when it is determined that the receipt of the sales report is confirmed, the display screen 121D displays the message to the user. An inquiry message as to whether or not a receipt is necessary is displayed and the answer is received (step S137). Then, the control unit 101 determines whether or not a response indicating that a receipt is required is received from the user (step S138). When the response indicating that a receipt is required is received, Guidance on receiving the receipt by inputting the installation location and the terminal number of the store settlement terminal 1 is displayed on the display screen 121D, and the voice message transmitting unit 111 emits sound through the speaker 126 (step S139).

  Next, the control unit 101 refers to the information stored in the memory unit 107 to determine whether the purchased product includes a large product that needs to be attached with a sticker (step S141 in FIG. 6). Is displayed on the display screen 121D and the voice message sending unit 111 receives guidance about receiving the sticker by inputting the location of the sticker issuing machine 8 and the terminal number of the store settlement terminal 1. Sound is emitted through the speaker 126 (step S142).

  Then, the control unit 101 turns off the power after a predetermined time, for example, and finishes the process (step S143), and the process routine is finished.

  Next, when it is determined in step S133 that the payment method instructed to execute is electronic money with an auto-charge function, the control unit 101 performs payment by subtracting the total amount of purchased products from the remaining amount of electronic money. Then, the user is notified of the completion of the product purchase settlement, and the electronic money balance after the subtraction is displayed (step S151 in FIG. 7). Next, the control unit 101 determines whether or not the remaining amount of electronic money has reached an amount that requires autocharging (step S152). The electronic money balance is automatically charged when the electronic money balance becomes smaller than the amount of money to be added by autocharging.

  When it is determined in step S152 that auto charge is necessary, the control unit 101 accesses the credit authentication settlement server 30 and sends the credit card number of the IC-tagged card 2 to the credit authentication settlement server 30. At the same time, an auto-charge amount is acquired from the credit authentication settlement server 30 and auto-charge is executed for the IC tag 21 of the IC-tagged card 2 (step S153).

  At this time, the credit authentication settlement server 30 stores that the amount of the auto-charge registered in advance for the IC-tagged card 2 has been added, and is settled by the next bank withdrawal for shopping with the credit card. To.

  Next, the control unit 101 updates and displays the remaining electronic money amount on the display screen 121D (step S154). When it is determined in step S152 that auto charge is not required, the control unit 101 bypasses step S153, proceeds from step S152 to step S154, and updates and displays the remaining electronic money. Thereafter, the control unit 101 advances the process to step S135, and repeats the processes after step S135 described above.

  Next, when it is determined in step S133 that the payment method instructed to execute is credit, the control unit 101 accesses the credit authentication payment server 30 and the IC-tagged card 2 inserted in the store payment terminal 1. A payment request including the credit card number information and the price information for all of the products for which the purchase is confirmed, displayed on the display screen 121D, is sent to the credit authentication payment server 30 to request payment (FIG. 8). Step S161).

  The credit authentication settlement server 30 that has received the settlement request authenticates the card 2 with the IC tag using information such as a credit card number included in the settlement request from the store settlement terminal 1 and also receives the price information of the received product. Is used to execute credit settlement for the product. Then, when the authentication and the credit settlement are completed, the credit authentication settlement server 30 sends a notification of the end of the product purchase settlement to the store settlement terminal 1 that has requested the settlement.

  The control unit 101 of the store settlement terminal 1 monitors and waits for the receipt of the notification of the end of the product purchase settlement from the credit authentication settlement server 30 (step S162). Then, the process proceeds to step S135 of step 5, and the processes after step S135 are repeated.

[Effect of the first embodiment]
As described above, in the store settlement system of the first embodiment described above, the store settlement terminal 1 presents only a settlement method that can be settled for the total price of purchased products to the user, Since the settlement instruction by the settlement method that can be settled is accepted, the settlement is always performed in a state where the settlement method using the IC card is available. For this reason, the user can shop at the store only by bringing the IC card. On the other hand, on the store side, there is no need to assume cash exchanges when the IC card usage limit is insufficient for the total amount of products purchased by the user, so the effect of eliminating the need for cashier clerk and register There is.

  Further, in the above-described embodiment, the store settlement terminal 1 cooperates with the external credit authentication settlement server 30, so that there is an effect that electronic money can be automatically charged or settlement by credit can be performed.

  Moreover, according to the store settlement terminal 1 in this embodiment, every time the barcode is read by the barcode reader 124 in order to purchase a product, the total amount of payment methods that can be used exceeds the limit. If there is, the user is informed of the settlement method by a warning, which is very convenient for the user.

[Second Embodiment]
The store settlement terminal 1 according to the first embodiment described above includes a card reader / writer controller 123 and a card reader / writer controller 105 as well as a card-attached card mounting unit.

  Incidentally, some recent mobile phone terminals have a so-called wallet function. This type of mobile phone terminal incorporates IC card information and can perform settlement by reading and writing information on the IC card.

  Therefore, in the second embodiment, by using a so-called wallet function of a mobile phone terminal that is a mobile terminal owned by the purchaser, the mobile phone terminal is used instead of the IC card, By performing communication between them, the same function as in the first embodiment described above is realized.

  In the second embodiment, as the store settlement system, a mobile phone terminal 200 with a built-in wallet function is used in place of the IC-tagged card 2 in FIG. The store settlement terminal 1A of the second embodiment is a mobile phone terminal as shown in FIG. 11 instead of the card reader / writer 123 and the card reader / writer controller 105 provided in the store settlement terminal 1 of the first embodiment. A non-contact wireless communication unit 130 for performing non-contact communication with 200 is provided. The non-contact wireless communication unit 130 includes a wireless communication unit conforming to NFC (Near Field Communication) standard. Alternatively, it may be a Bluetooth (registered trademark) standard wireless communication means.

  And the structure of the other part of 1 A of shop payment terminals of 2nd Embodiment is made the same as that of the shop payment terminal 1 of 1st Embodiment shown in FIG. 2, as shown in FIG.

  However, the store settlement terminal 1A of the second embodiment is not illustrated, but in the store, the mobile phone terminal 200 is held in the store settlement terminal 1A in order to enable a contactless communication with the mobile phone terminal 200. The holding means for making it do is provided. As this holding means, for example, a band for connecting the mobile phone terminal 200 and the store settlement terminal 1A so as to be bundled by a hook-and-loop fastener is provided in the store settlement terminal 1A. The holding means only needs to be able to lock the mobile phone terminal 200 and the store settlement terminal 1A in a coupled state, and therefore various other known means can be used. In this case, the mobile phone terminal 200 is coupled and held on the surface opposite to the display screen 121D of the display 121 of the store settlement terminal 1A.

  Further, the payment process in the authentication and payment unit 108 is a process of generating information for performing payment by the wallet function in the mobile phone terminal 200 and transmitting the information through the contactless wireless communication unit 130.

  The store settlement system according to the second embodiment uses a mobile phone terminal 200 with a built-in wallet function instead of the IC-tagged card 2 and uses the store settlement terminal 1A according to the second embodiment as a store settlement terminal. Except for the point of using, the other configuration is the same as that of the store settlement system of the first embodiment shown in FIG.

  FIG. 12 is a block diagram showing a hardware configuration example of the mobile phone terminal 200 used for settlement together with the store settlement terminal 1A in the second embodiment. That is, the mobile phone terminal 200 of this embodiment is connected to the control unit 211 configured by a computer via the bus 210 with respect to the radio telephone communication circuit unit 212, the call circuit unit 213, the display control unit 214, the touch panel interface 215, The contact wireless communication unit 216, the payment card information storage unit 217, and the payment card information reader / writer unit 218 are connected to each other.

  The call circuit unit 213 is connected to a speaker 221 as a receiver and a microphone 222 as a transmitter. The display control unit 214 is connected to a display 223 made of, for example, an LCD, and a touch panel 224 is provided so as to be superimposed on the display 223 so as to be used for user operation input. The touch panel 224 is connected to the touch panel interface 215.

  The non-contact wireless communication unit 216 is a wireless communication unit that communicates with the non-contact wireless communication unit 216 of the mobile phone terminal 200. The payment card information storage unit 217 stores payment card information for realizing the wallet function. In this embodiment, the card information storage unit 217 for settlement uses, for example, a card such as an electronic money card or a credit card owned by the user of the mobile phone terminal 200 through a USB (Universal Serial Bus) interface (not shown). Information is written. In this embodiment, the card information stored in the payment card information storage unit 217 includes three types of card information: electronic money only card information, electronic money card information with an autocharge function, and credit card information. Information can be stored.

  The payment card information reader / writer unit 218 reads and writes the card information stored in the payment card information storage unit 217 in combination with the communication in the contactless wireless communication unit 216. In the mobile phone terminal 200, the wallet function is realized by the contactless wireless communication unit 216, the payment card information storage unit 217, and the payment card information reader / writer unit 218.

  Next, the flow of the store settlement process at the store 10 in the store settlement terminal 1A according to the second embodiment will be described with reference to the flowcharts of FIGS. The description of the flowcharts of FIGS. 13 to 17 also includes the display control unit 103, the touch panel interface 104, the barcode reader controller 106, the authentication and settlement unit 108, the sales report unit 109, the product price acquisition unit 110, and the non-contact wireless communication unit. Each of the functions 130 will be described as a case where the control unit 101 is realized as a software processing function by a program.

  When the power button PW is pressed to turn on the power, the control unit 101 starts processing from the start of FIG.

  First, the control unit 101 displays a message prompting the user to attach (bundle) the mobile phone terminal 200 having the wallet function on the display screen 121D (step S201). Next, the control unit 101 determines whether or not communication with the non-contact wireless communication unit 216 of the mobile phone terminal 200 is possible through the non-contact wireless communication unit 130 (step S202). If so, the process returns to step S202.

  When it is determined in step S202 that communication with the contactless wireless communication unit 216 of the mobile phone terminal 200 is possible, the card information for payment is received from the mobile phone terminal 200 through the contactless wireless communication unit 130 (step S203). ) Check the payment card information stored in the mobile phone terminal 200 (step S204). This check includes whether electronic money can be used, whether electronic money can be automatically charged, whether a credit function can be used, and information that cannot be used.

  As a result of the check in step S204, the control unit 101 determines whether or not the mobile phone terminal 200 is not usable, for example, because there is no payment card information that can be used in the store payment terminal 1 (step S204). S205) When it is determined that the mobile phone terminal cannot be used, the bundled mobile phone terminal displays that it cannot be used for settlement (step S206). Then, the control unit 101 of the store settlement terminal 1 waits for the elapse of a predetermined time (step S207), and when the predetermined time elapses, turns off the power (step S208) and ends this processing routine.

  When it is determined in step S205 that the bundled mobile phone terminal is the mobile phone terminal 200 that can be used for payment, the control unit 101 can use the payment method that can be used by the wallet function of the mobile phone terminal 200 Then, the limit amount in each settlement method is displayed (step S111 in FIG. 14). That is, on the display screen 121D of the store settlement terminal 1, for example, as shown in FIG. 9C, electronic money and credit are displayed as available settlement methods, and the respective usage limit amounts are displayed. .

  Next, as shown in FIG. 10A, for example, the control unit 101 displays a message prompting the user to read bargain information on the display screen 121D, information on bargain information, coupon information, and purchase. (Step S212).

  Next, the control unit 101 determines whether the barcode attached to the product has been read by the barcode reader 124 via the barcode reader controller 106 (step S213), and the barcode is read. If it is determined that there is no, it is determined whether or not the power button PW has been operated to turn off the power (step S214). When it is determined in step S214 that the power-off operation has not been performed, the control unit 101 returns the process to step S213 and repeats the process as to whether or not the barcode is read. When it is determined in step S214 that the power-off operation has been performed, the control unit 101 performs a power-off process (step S115) and ends this processing routine.

  When it is determined in step S213 that the barcode has been read, the control unit 101 sends a price acquisition request including the read barcode to the store server 6, and obtains the product name of the corresponding product and its price information. Obtained from the store server 6 and held in the memory unit 107 (step S216).

  Next, the control unit 101 receives an input of the purchase quantity of the product from the user (step S217), and has read the product name, the price, the purchase quantity, the purchase price, and the barcode so far. As shown in FIG. 10B, the total purchase price of the product is displayed on the display screen 121D (step S218).

  Subsequent to step S218, the control unit 101 determines that the total purchase amount of all the products that have been read in barcodes exceeds the limit among the available payment methods recognized in step S211. It is determined whether or not there is (step S219). If it is determined in step S219 that there is a settlement method in which the total purchase amount exceeds the limit, the control unit 101 determines whether all of the available settlement methods recognized in step S211 exceed the limit. (Step S220).

  When it is determined in this step S220 that some of the available payment methods exceed the limit, the control unit 101 displays a warning on the display screen 121D indicating the payment method exceeding the limit (step S220). S221). At this time, in addition to the warning display on the display screen 121D, a voice warning may be given through the speaker 126.

  If it is determined in step S220 that all of the available payment methods exceed the limit, the control unit 101 displays a message to that effect on the display screen 121D and announces through the speaker 126, The user is urged to pay for the purchase of a product within the limit amount (step S222).

  When it is determined in step S219 that the total purchase price of all the products read with the barcode does not exceed the limit amount of all the available payment methods, the control unit 101 is followed by steps S221 and 222. Determines whether or not the shopping end button 131 has been operated (step S231 in FIG. 15). When it is determined in step S231 that the shopping end button 131 has not been operated, the control unit 101 returns the process to step S213 and repeats the processes after step S213.

  When it is determined in step S231 that the shopping end button 131 has been operated, the control unit 101 displays, on the display screen 121D, only the settlement methods that can be settled within the range of the total price of the purchased product at that time. It is displayed (step S232).

  When the shopping end button 131 is operated, if the total amount (purchase amount) of the purchased product exceeds all the limit amounts of the available payment methods recognized in step S211, the first item described above is used. In the same manner as in the embodiment, the display screen 121D displays that effect, and the user cancels the purchase of a part of the purchased product, and the total amount of the purchase amount is the limit of the available payment methods. After the following, the shopping end button 131 is operated.

  After step S132, the control unit 101 accepts the selection of a settlement method and the operation of the settlement execution button 133 on the display screen 121D shown in FIG. 10C. What is the selected settlement method? It is determined whether or not there is (step S233).

  When it is determined in this step S233 that the payment method instructed to execute is electronic money, the control unit 101 calculates the total price of the products that have not been purchased through the contactless wireless communication unit 216. To make payments. The payment card information reader / writer unit 218 of the mobile phone terminal 200 receives the information from the store payment terminal 1A and subtracts it from the balance of the electronic money in the payment card information stored in the payment card information storage unit 217 for payment. Do. The control unit 101 of the store settlement terminal 1A displays and notifies the completion of the product purchase settlement on the display screen, and updates and displays the remaining electronic money of the mobile phone terminal 200 on the display screen 121D (step S234). Note that the remaining amount of the updated electronic money is sent to the store settlement terminal 1A through the contactless wireless communication unit 216. The store settlement terminal 1A displays the remaining amount of the electronic money on the display screen 121D.

  Next, the control unit 101 sends to the store server 6 a sales recording request including sales information including barcodes and product quantities of all products for which payment has been completed (step S235).

  Upon receiving this sales totaling request, the store server 6 performs sales recording processing on the assumption that the reported number of products included in the barcode has been purchased, and when the sales recording processing is completed, The accounting completion notification is sent to the store settlement terminal 1 that has requested sales.

  The control unit 101 of the store settlement terminal 1 waits for the receipt of the sales report completion notification from the store server 6 (step S236), and when it is determined that the receipt of the sales report is confirmed, the display screen 121D displays the message to the user. An inquiry message as to whether or not a receipt is required is displayed and the answer is received (step S237). Then, the control unit 101 determines whether or not a response indicating that a receipt is required is received from the user (step S238). When the response indicating that a receipt is required is received, Guidance on receiving the receipt by inputting the installation location and the terminal number of the store settlement terminal 1 is displayed on the display screen 121D, and the voice message transmission unit 111 emits sound through the speaker 126 (step S239).

  Next, the control unit 101 refers to the information stored in the memory unit 107 to determine whether or not the purchased product includes a large product that needs to be attached with a seal (step S241 in FIG. 16). Is displayed on the display screen 121D and the voice message sending unit 111 receives guidance about receiving the sticker by inputting the location of the sticker issuing machine 8 and the terminal number of the store settlement terminal 1. Sound is emitted through the speaker 126 (step S242).

  Then, for example, after a predetermined time has elapsed, the control unit 101 turns off the power and performs end processing (step S243), and ends this processing routine.

  Next, when it is determined in step S233 that the payment method instructed to execute is electronic money with an auto-charge function, the control unit 101 determines the total price of the products that have not been purchased, by non-contact wireless communication. It is sent to the mobile phone terminal 200 through the unit 216, and payment is made in the same manner as in step S234 (step S251 in FIG. 17).

  Next, the control unit 101 determines whether or not the electronic money balance has reached an amount that requires auto-charging (step S252). When it is determined in this step S252 that auto charge is necessary, the control unit 101 accesses the credit authentication settlement server 30 and is stored in the settlement card information storage unit 217 of the mobile phone terminal 200. The credit card number is sent to the credit authentication settlement server 30, the auto charge amount is acquired from the credit authentication settlement server 30, the acquired auto charge amount is sent to the mobile phone terminal 200, and stored in the settlement card information storage unit 217. The card information is instructed through the non-contact wireless communication unit 130 that causes auto-charge to be executed (step S253).

  Upon receiving this instruction, the payment card information reader / writer unit 218 of the mobile phone terminal 200 performs auto-charge on the card information stored in the payment card information storage unit 217 and updates the remaining amount. The updated balance is sent to the store settlement terminal 1A through the non-contact wireless communication unit 216.

  The credit authentication settlement server 30 stores that the pre-registered amount for the auto charge is added to the card information of the mobile phone terminal 200, and at the next bank withdrawal for shopping with the credit card. Try to liquidate.

  Next, the control unit 101 updates and displays the remaining electronic money amount on the display screen 121D (step S254). If it is determined in step S252 that auto charge is not required, the control unit 101 bypasses step S253 and proceeds from step S252 to step S254 to update and display the electronic money balance of the mobile phone terminal 200. . Thereafter, the control unit 101 advances the processing to step S235 in FIG. 15 and repeats the processing after step S235 described above.

  Next, when it is determined in step S233 that the payment method instructed to execute is credit, the control unit 101 accesses the credit authentication payment server 30 using the URL stored in the authentication and payment unit 108. , The credit card number information acquired from the payment card information storage unit 217 of the mobile phone terminal 200 through the non-contact wireless communication unit 130 and the price information about all the products before purchase confirmation displayed on the display screen 121D. The included settlement request is sent to the credit authentication settlement server 30 to request settlement (step S261 in FIG. 18).

  The credit authentication settlement server 30 that has received the settlement request authenticates the card information of the mobile phone terminal 200 using information such as a credit card number included in the settlement request from the store settlement terminal 1 and also receives the received merchandise. Use the price information to execute credit settlement for the product. Then, when the authentication and the credit settlement are completed, the credit authentication settlement server 30 sends a notification of the end of the product purchase settlement to the store settlement terminal 1 that has requested the settlement.

  The control unit 101 of the store settlement terminal 1 monitors and waits for the reception of the merchandise purchase settlement end notification from the credit authentication settlement server 30 (step S262). The process advances to step S235 of step 15, and the processes after step S235 are repeated.

[Effects of Second Embodiment]
The store settlement terminal 1A of the second embodiment also has the same effect as the store settlement terminal 1 of the first embodiment described above. In this second embodiment, the purchaser uses the wallet function of the mobile phone terminal 200 owned by each purchaser, so that the purchaser does not have to bring an IC card and always carries the mobile phone terminal 200 that is carried around. It is possible to obtain a remarkable effect that the payment for the purchase of the product at the store 10 is possible.

[Other Embodiments or Modifications]
In the above-described embodiment, the user is not authenticated with respect to the credit card. However, this user authentication is necessary when, for example, shopping for a high-priced item having a predetermined price or more, such as 10,000 yen or more. If the payment at the store is a small payment, it may be omitted as in the above example.

  Further, even if the card information of the IC card and the mobile phone terminal 200 has only an electronic money card, an electronic money card with an auto charge function, and a credit card, respectively, the electronic money card and the auto charge function are provided. As described above, the present invention can also be applied to a card having a composite function of an electronic money card and a credit card.

  In the above-described embodiment, a receipt is issued at a store, but an electronic receipt may be downloaded through the Internet without issuing a receipt at the store. When using the wallet function of the mobile phone terminal as in the second embodiment, the electronic receipt can be sent to the mobile phone terminal and displayed on the display screen. Also good.

  In the first embodiment described above, the IC card is a card with an IC tag. However, the IC card is not limited to a card with an IC tag, and communication with a card reader / writer is possible. The present invention is applicable to any type as long as it is possible.

  The IC card is not limited to an IC credit card that is authenticated by a credit company server, and may be a debit card that is issued and authenticated by a financial institution with a customer account.

DESCRIPTION OF SYMBOLS 1 ... Store payment terminal, 2 ... Card with IC tag, 3 ... Wireless LAN access point device, 4 ... Wired LAN, 5 ... External communication device, 6 ... Store server, 8 ... External communication network, 9 ... Credit authentication payment Server 101 101 Control unit 102 Wireless LAN communication unit 121 Display 121D Display 121 display screen 123 Card reader / writer 124 Bar code reader 200 Mobile phone terminal

Claims (10)

A reader / writer unit for communicating with an IC card for settlement of purchased goods owned by a purchaser, and for writing and reading with respect to the IC card;
A wireless communication unit for payment by a payment method that needs to communicate with a server of an IC card management company through a communication network at the time of payment among a plurality of types of payment methods enabled by the IC card;
A payment method recognition means for recognizing a payment method that can be settled by the IC card when the IC card is ready to communicate with the reader / writer unit;
A barcode reading unit for reading the barcode attached to the product;
Product price acquisition means for acquiring price information of the product with the barcode read by the barcode reader;
For the product read by the barcode reading unit, among the payment methods recognized by the payment method recognition means, a payment method capable of paying for the total price acquired by the product price acquisition means is presented, and the presentation A payment execution instruction receiving means for receiving a payment execution instruction by the buyer according to a payment method selected from the set payment methods;
Based on the price information acquired by the product price acquisition unit, regarding the purchase of the product whose barcode is read by the barcode reading unit when the payment execution instruction of the product is received by the payment execution instruction reception unit, Payment means for performing processing corresponding to the selected payment method for payment using the IC card;
A store payment terminal. The settlement means performs a process of subtracting the total price of the purchased product from the electronic money when the settlement method of the IC card is electronic money, and when the settlement method of the IC card is credit The store settlement terminal according to claim 1, wherein settlement is performed by accessing the server of the management company through the communication network. When the payment method of the IC card is electronic money with an auto charge function, the payment means calculates the total amount of the prices of the products read by the barcode reader by the barcode reader. A process of subtracting from the balance is performed, and when the balance of the electronic money of the IC card as a result of the subtraction process reaches an amount to be autocharged, the electronic charge of the IC card is automatically charged. The store settlement terminal according to claim 1, wherein the auto charge is reported by accessing the server of the management company through the communication network. The sum of the prices of the products read by the barcode reading unit before the payment execution instruction is received by the payment execution instruction receiving unit exceeds the limit of use in the payment method that can be used with the IC card. The store payment terminal according to any one of claims 1 to 3, wherein a warning is given that the usage limit has been exceeded for the payment method. The product price acquisition means wirelessly reads a barcode read from a product by the barcode reading unit in a store server storing correspondence information between the barcode and price information of the product to which the barcode is attached. The store settlement terminal according to any one of claims 1 to 4, wherein the store payment terminal is sent through a communication network to obtain corresponding price information. A store payment terminal lent at a store,
Through a card information storage unit that stores card information for payment of purchased goods owned by the purchaser, first contactless communication means that communicates with the store payment terminal, and the first contactless communication means A second non-contact communication means for communicating with the first non-contact communication means of a portable terminal comprising means for writing and reading the card information of the card information storage unit based on the communication,
A wireless communication unit for payment by a payment method that needs to communicate with a server of an IC card management company through a communication network at the time of payment among a plurality of types of payment methods enabled by the IC card;
A control unit for performing payment processing for purchase of a product using information on the card of the mobile terminal acquired through the second contactless communication means;
The control unit includes:
A payment method recognizing means for recognizing a payment method capable of making payment based on card information of the portable terminal when communication with the portable terminal is enabled through the second non-contact communication means;
Barcode reading means for reading the barcode attached to the product;
Product price acquisition means for acquiring price information of the product with the barcode read by the barcode reading means when the payment processing is permitted;
For the product read by the barcode reading unit, among the payment methods recognized by the payment method recognition means, a payment method capable of paying for the total price acquired by the product price acquisition means is presented, and the presentation A payment execution instruction receiving means for receiving a payment execution instruction by the buyer according to a payment method selected from the set payment methods;
Based on the price information acquired by the product price acquisition unit, regarding the purchase of the product whose barcode is read by the barcode reading unit when the payment execution instruction of the product is received by the payment execution instruction reception unit, Payment means for performing processing corresponding to the selected payment method for payment using the card information of the mobile terminal to the mobile terminal via the second contactless communication means;
A store payment terminal. The store payment terminal according to claim 6, wherein the mobile terminal is a mobile phone terminal owned by the purchaser. A store settlement terminal used by merchandise purchasers in a store, an access point device connected to the store settlement terminal by a wireless LAN, a server of an IC card management company and a communication network connected to the access point device And an external communication device that performs communication through
The store settlement system comprising the store settlement terminal according to any one of claims 1 to 5 or the store settlement terminal according to any one of claims 6 to 7. A store server storing correspondence information between the barcode and the price information of the product to which the barcode is attached is further provided, and the store settlement terminal and the store server are connected through the access point device. Configure
The store settlement system according to claim 8, wherein the product price acquisition unit acquires the corresponding price information by sending the barcode read from the product by the barcode reader to the store server. . The store settlement system according to claim 8 or 9, wherein the wireless communication network connecting the store settlement terminal and the store server includes the wireless LAN including the access point device.

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