JP2018026170A - Settlement terminal and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement terminal which does not cause inconsistency between processing of the settlement terminal and processing of a POS terminal even when money amount information stored in a card is smaller than settlement amount information.SOLUTION: The settlement terminal includes: reception means for receiving settlement amount information from a commodity sales data processor; input means for inputting amount information stored in a card; determination means for determining whether the settlement amount information received by the reception means is smaller or larger than the amount information input by the input means in terms of money amount: settlement control means for performing settlement processing on the basis of the settlement amount information received by the reception means when the determination means determines that the amount information is larger than the settlement amount information in terms of money amount and performing error processing to prohibit settlement processing when the determination means determines that the amount information is smaller than the settlement amount information in terms of money amount; and transmission means for transmitting the settlement processing information or the error processing information generated by the settlement control means to the commodity sales data processor.SELECTED DRAWING: Figure 8

Description

  Embodiments described herein relate generally to a payment terminal and a program.

  A POS terminal, which is a merchandise sales data processing apparatus, is connected to a payment terminal that processes payment by credit or electronic money. The payment terminal executes credit payment processing and electronic money payment processing based on the payment amount information received from the POS terminal.

  In electronic money payment, when the card amount information stored in the card is larger than the payment amount information, the payment terminal executes a payment process by subtracting the payment amount information from the card amount information. However, when the card amount information is less than the settlement amount information, the settlement terminal executes the following process.

  That is, the payment terminal executes the payment process for the amount of the card amount information and establishes the payment. Then, the payment terminal transmits payment information for the amount of payment to the POS terminal. The POS terminal that has received this payment information sets the payment error process because the payment amount information transmitted by the POS terminal is different from the payment information received from the payment terminal.

  As described above, there is a problem in that the settlement terminal performs the settlement establishment process and the POS terminal performs the settlement error process.

  The problem to be solved by the present invention is to provide a payment terminal and a program in which there is no contradiction between the processing of the payment terminal and the processing of the product sales data processing device even when the card amount information is less than the payment amount information. That is.

  The payment terminal according to the embodiment includes a payment amount receiving unit that receives payment amount information from the sales data processing device, and a balance reception unit that receives balance information stored in the electronic money medium from an external device that reads information in the electronic money medium. A charge operation accepting unit that accepts an operation of charging money amount information to an electronic money medium, and the balance information received by the balance receiving unit is insufficient with respect to the settlement amount information received by the settlement amount receiving unit In this case, after accepting a charge operation by the charge operation accepting means and charging money amount information to the electronic money medium, a payment means for performing electronic money payment processing if the balance information is not insufficient with respect to the payment amount information And the payment means prohibits the electronic money payment processing when the type of electronic money medium is insufficient for the balance information. If it is a type, the electronic money settlement process is not performed, and if the type of the electronic money medium is a type that does not prohibit the electronic money settlement process when the balance information is insufficient, the balance information corresponds to the settlement amount information. Even if it is insufficient, the electronic money settlement process for the balance information is performed.

  The program according to the embodiment includes a balance receiving unit that receives payment amount information from a sales data processing device and a payment amount receiving unit that receives balance information stored in the electronic money medium from an external device that reads information on the electronic money medium. Means for accepting an operation for charging money information to an electronic money medium; and the balance information received by the balance receiving means is insufficient with respect to the payment amount information received by the payment amount receiving means. If the balance information is not insufficient with respect to the payment amount information after accepting the charge operation by the charge operation receiving means and charging the amount information to the electronic money medium And the payment means is configured to operate the electronic money medium when the balance information is insufficient. The electronic money settlement processing is not performed when the type of money payment processing is prohibited, and the balance information is not when the type of the electronic money medium is a type that does not prohibit the electronic money payment processing when the balance information is insufficient. Even if the payment amount information is insufficient, the electronic money payment processing for the balance information is performed.

FIG. 1 is a diagram illustrating a system configuration of the embodiment. FIG. 2 is a plan view showing the appearance of the payment terminal. FIG. 3 is a block diagram showing a hardware configuration of the payment terminal. FIG. 4 is a memory map showing a part of the memory of the payment terminal. FIG. 5 is a functional block diagram showing a functional configuration of the payment terminal. FIG. 6 is a flowchart showing a flow of control processing of the payment terminal. FIG. 7 is a diagram illustrating an example of a display on the payment terminal. FIG. 8 is a flowchart showing a flow of control processing of the payment terminal. FIG. 9 is a diagram illustrating an example of another display of the payment terminal.

  Hereinafter, embodiments of a payment terminal and a program will be described in detail with reference to the accompanying drawings. In addition, embodiment described below is one Embodiment of a payment terminal and a program, Comprising: The structure, a specification, etc. are not limited. The present embodiment is an example applied to a payment terminal that is installed in a store such as a supermarket and performs transaction payment.

  FIG. 1 is a diagram illustrating a configuration of a POS system 1 according to the present embodiment. As shown in the figure, the POS system 1 has a POS terminal 2 as a merchandise sales data processing apparatus and a settlement terminal 3. The POS system 1 is connected to a center server 5 such as a credit company or a bank. In the POS system 1, the payment terminal 3 is connected to the electronic money terminal 4. In the POS system 1, the payment terminal 3 and the electronic money terminal 4 are communicably connected by wire or wireless. Further, the settlement terminal 3 and the POS terminal 2 and the center server 5 are connected to be communicable by wire or wirelessly.

  The payment terminal 3 is a device having a payment function for reading card information from an IC card, a magnetic card, etc., and performing card payment processing by communicating with a card company server.

  The electronic money terminal 4 accesses a contactless card that electronically stores monetary information using a near field communication technology such as NFC (Near Field Communication), and the amount that can be settled stored in the card It is a terminal that executes payment processing using information (hereinafter referred to as “card amount information”). The electronic money terminal 4 reads the card amount information from the card and transmits it to the settlement terminal 3.

  The POS terminal 2 is a device that performs merchandise sales data processing for merchandise purchased by a customer, and performs settlement processing for one transaction. Further, when making a card payment such as a credit card or a debit card, the POS terminal 2 performs a payment process (card payment process) of one transaction in conjunction with the payment terminal 3.

  As shown in FIG. 1, the POS terminal 2 is provided with a display unit 22 for a store clerk and a display unit 23 for a customer on the upper part of the main body 21 of the POS terminal 2. Each of the display units 22 and 23 is configured by an LCD (Liquid Crystal Display) or an LCD having a touch panel disposed on the surface thereof, and displays the product name, the price of the product, the total price of one transaction, and the like. Further, a keyboard 24 is provided on the upper surface of the main body 21, and a cash settlement key and a credit settlement key for selecting a settlement method such as cash settlement or credit settlement are provided. Further, a printer 25 for printing receipts and the like is provided inside the main body 21. Receipt paper printed by the printer 25 is issued from a receipt issuing port 26 provided in the upper part of the main body 21.

  The center server 5 performs a check such as a negative check of the card, for example, in response to an authentication request for payment processing from the payment terminal 3, and then transmits a command for executing authentication to the payment terminal 3.

  Next, the payment terminal 3 will be described in detail. FIG. 2 is a diagram showing an appearance of the payment terminal 3, and FIG. 3 is a block diagram showing a hardware configuration of the payment terminal 3. In FIG. 2, a power switch 36 is provided on the side of the main body 31 of the payment terminal 3. Further, an upper panel 37 that can be opened and closed with respect to the main body 31 is provided on the upper portion of the main body 31. By opening the top panel 37, it is possible to set a roll-shaped receipt sheet inside the main body 31. Further, on the surface of the upper panel 37, a display unit 32 having a touch panel as the operation unit 33 disposed on the surface is provided.

  A card reading unit 34 that reads information stored in the card from the settlement card is provided on the upper side of the main body 31. As a payment card, for example, a credit card or a debit card can be used.

  Inside the main body 31, there is provided a printing unit 57 (see FIG. 3) for printing information relating to settlement, a sales report, and the like on the above-described receipt paper. The printed receipt paper is issued from a receipt issuing port 35 provided between the main body 31 and the upper panel 37.

  Next, in FIG. 3, the payment terminal 3 includes a control unit 100 for controlling each unit. As shown in FIG. 3, the control unit 100 sends a CPU (Central Processing Unit) 51 that centrally controls each unit to a ROM (Read Only Memory) 52 via a bus line 55 such as an address bus and a data bus. A RAM (Random Access Memory) 53 is connected. In addition, a memory unit 54 and a controller 56 are connected to the control unit 100 via a bus line 55. The control unit 100 executes a control process, which will be described later, by the CPU 51 operating according to a control program 541 stored in the memory unit 54 and expanded in the RAM 53.

  The memory unit 54 is a nonvolatile memory such as a flash memory that retains stored information even when the power is turned off, and stores a program including the control program 541. The memory unit 54 stores a storage unit 542 shown in FIG. The RAM 53 temporarily stores information read from the memory unit 54.

  The controller 56 connects the display unit 32 and the operation unit 33. The controller 56 executes various controls based on commands from the control unit 100. The display unit 32 displays various types of information including key images. The operation unit 33 is a touch panel provided on the display unit 32, and performs various key operations by touching the touch panel at a position corresponding to the key displayed on the display unit 32.

  The controller 56 connects the printing unit 57 and the card reading unit 34. The printing unit 57 pulls out the leading end of the receipt paper stored in the main body 31, and prints settlement information or the like on the receipt paper using, for example, a thermal head. The card reading unit 34 reads card information stored in the settlement card magnetically or electrically.

  The bus line 55 connects communication I / F (Interface) 59, 60, and 61. The communication I / F 59 is connected to the POS terminal 2. The communication I / F 60 is connected to the electronic money terminal 4. The communication I / F 61 is connected to the center server 5. The settlement terminal 3 transmits / receives information to / from the POS terminal 2, the electronic money terminal 4, and the center server 5 via each communication I / F 59, 60, 61.

  FIG. 4 is a memory map showing the storage unit 542 of the memory unit 54 of the payment terminal 3. In FIG. 4, the storage unit 542 includes a settlement amount storage unit 5421, a settlement prohibition flag unit 5422, a settlement selection screen information unit 5423, and a card amount information storage unit 5424.

  The payment amount storage unit 5421 stores payment amount information included in the payment command received from the POS terminal 2. The settlement amount information is created based on the total amount information when the POS terminal 2 processes the product information of the product purchased by the customer.

  The settlement prohibition flag unit 5422 sets the settlement prohibition flag “1” when the settlement prohibition key 72 is turned on in FIG. The settlement prohibition flag unit 5422 sets the settlement prohibition flag “0” when the settlement prohibition key 72 is turned off.

  The payment selection screen information unit 5423 stores screen information of a payment selection screen 73, which will be described later, displayed on the display unit 32.

  The card amount information storage unit 5424 stores the card amount information received and input from the electronic money terminal 4.

  Next, control of the payment terminal 3 according to the embodiment will be described with reference to FIGS. FIG. 5 is a functional block diagram showing a functional configuration of the payment terminal 3. The settlement terminal 3 operates in accordance with a program such as the control program 541 stored in the memory unit 54 by the control unit 100, whereby the reception unit 101, the input unit 102, the determination unit 103, the settlement control processing unit 104, the transmission unit 105, A determination unit 106, a charging unit 107, a deficient amount calculation unit 108, a settlement restoration unit 109, and a notification unit 110 are realized.

  The receiving means 101 has a function of receiving payment amount information from the POS terminal 2 that is a merchandise sales data processing apparatus.

  The input means 102 has a function of inputting money amount information stored in the card.

  The determination unit 103 has a function of determining whether the payment amount information received by the reception unit 101 is larger or smaller than the amount information input by the input unit 102.

  If the determination unit 103 determines that the amount information is larger than the amount information, the settlement control unit 104 executes a settlement process based on the settlement amount information received by the receiving unit 101, and the amount information is the settlement amount information. When it is determined that the amount is smaller, it has a function of executing an error process that prohibits the settlement process.

  The transmission unit 105 has a function of transmitting the payment processing information or the error processing information by the payment control unit 104 to the merchandise sales data processing apparatus.

  The discriminating means 106 has a function of discriminating the types of cards that can be prohibited from being processed for payment.

  The charging means 107 has a function of charging money amount information to the card.

  The deficient amount calculation means 108 has a function of calculating deficient amount information from the settlement amount information and the amount information.

  The settlement revival unit 109 has a function that enables the settlement process to be executed when the amount information charged by the charging unit 107 is larger in amount than the insufficient amount information calculated by the insufficient amount calculation unit 108.

  The notification unit 110 has a function of notifying that the payment amount information has been received from the POS terminal 2 that is a merchandise sales data processing device.

  FIG. 6 is a flowchart showing a flow of control processing of the payment terminal 3. More specifically, FIG. 6 is a flowchart showing a flow of control processing when a maintenance person or the like performs maintenance and inspection of the payment terminal 3.

  In FIG. 6, the control unit 100 displays a setting screen 71 for executing maintenance inspection and the like on the display unit 32 (step S <b> 11). FIG. 7 shows an example of the setting screen 71 displayed on the display unit 32 by the control unit 100. In FIG. 7, the control unit 100 displays a settlement prohibition key 72 on the display unit 32. The settlement prohibition key 72 is turned on when operated in the off state and turned off when operated in the on state.

  When the settlement prohibition key 72 is turned on, the control unit 100 sets the settlement prohibition flag “1” in the settlement prohibition flag unit 5422 of the storage unit 542. Further, when the settlement prohibition key 72 is operated in the off state, the control unit 100 sets the settlement prohibition flag “0” in the settlement prohibition flag unit 5422 of the storage unit 542.

  Returning to the description of FIG. Next, the control unit 100 determines whether or not a payment item has been added (step S12). When a new payment item is added in the maintenance and inspection work, a new payment program is added to the control program 541 of the memory unit 54. The control unit 100 examines the control program in the memory unit 54 to determine whether or not to add a new payment item.

  If it is determined that it has been added (Yes in step S12), the control unit 100 updates the information displayed on the payment selection screen stored in the payment selection screen information unit 5423, and adds a new payment item ( Step S13).

  If it is determined that the payment item is not added (No in step S12), the control unit 100 determines whether or not the payment prohibition key 72 is operated (step S21). If it is determined that it has been operated (Yes in step S21), the control unit 100 then determines whether or not the settlement prohibition key 72 is in an on state (step S22). When determining that it is in the on state (Yes in step S22), the control unit 100 sets the settlement prohibition flag of the settlement prohibition flag unit 5422 to “1” (step S23).

  If it is determined in step S22 that the settlement prohibition key 72 is not in the on state (that is, in the off state) (No in step S22), the control unit 100 sets the settlement prohibition flag in the settlement prohibition flag unit 5422 to “0”. "(Step S24). If it is determined that the settlement prohibition key 72 has not been operated (No in step S21), the control unit 100 returns to step S11 and waits.

  FIG. 8 is a flowchart showing a flow of control processing of the payment terminal 3 at the time of payment processing. In FIG. 8, the control unit 100 (reception unit 101) determines whether or not a settlement command has been received from the POS terminal 2 (step S41). In the embodiment, when payment other than cash is selected at the POS terminal 2, the POS terminal 2 transmits a payment command for executing payment processing with a card to the payment terminal 3, and the communication I / F 59 of the payment terminal 3 is used. Receives the payment command. The settlement command includes settlement amount information. The control unit 100 stores payment amount information in the payment amount storage unit 5421.

  When the control unit 100 determines that the payment command has been received from the POS terminal 2 (Yes in Step S41), the control unit 100 displays the payment selection screen 73 (Step S42). Here, FIG. 9 shows an example of the payment selection screen 73 displayed in step S42.

  In FIG. 9, the control unit 100 displays business keys 81, 82, 83, 84, and 85 indicating the types of business including the charge key 84 on the display unit 32. The charge key 84 is used when updating the card amount information in order to charge the amount of money to the card in electronic money settlement. In addition, the control unit 100 displays the type of payment item in the area 91. In the example of FIG. 9, the control unit 100 displays in the area 91 four types of payment items: credit payment 86, debit payment 87, XY card payment 88, and electronic money payment 89. Accordingly, the payment terminal 3 can execute a payment process using these four types of cards. That is, the memory unit 54 stores four types of payment processing programs: a credit payment processing program, a debit payment processing program, an XY payment processing program, and an electronic money payment processing program.

  Returning to the description of FIG. Next, the control unit 100 (notifying unit 110) displays a command reception display 90 indicating that the payment command has been received on the payment selection screen 73 of the display unit 32 (step S43). The operator touches and operates the location of the settlement item desired by the customer from the settlement items 86, 87, 88, 88 displayed on the display unit 32. The control unit 100 determines whether or not the payment item operated by the operator is an electronic money payment item, that is, whether or not electronic money payment is selected (step S44).

  If it is determined that electronic money settlement has been selected (Yes in step S44), the control unit 100 (input means 102) receives card amount information (step S45). Then, the control unit 100 stores the received card amount information in the card amount information storage unit 5424 (step S45). The card amount information is received by the communication I / F 60 from the electronic money terminal 4 by holding the card over the electronic money terminal 4.

  Next, the control unit 100 (determination unit 103) compares the amount of money between the payment amount information stored in the payment amount storage unit 5421 and the card amount information stored in the card amount information storage unit 5424, and determines the card amount. It is determined whether or not the amount information is less than the amount information for payment (step S46).

  When it is determined that the card amount information is less than the settlement amount information (Yes in step S46), the control unit 100 sets the settlement prohibition flag stored in the settlement prohibition flag unit 5422 of the storage unit 542 to “1”. It is determined whether or not there is (step S47). When it is determined that the settlement prohibition flag is “1” (Yes in step S47), the control unit 100 (determination unit 106) determines whether the card is a type of card that can prohibit settlement. (Step S48). Whether or not the card is a type of card for which payment is prohibited is determined for each issuing company that issued the card, and the payment terminal 3 has information on the card company for which payment is prohibited and a card company for which payment is prohibited. Are stored in advance.

  If it is determined that the card is a type that can be prohibited from being settled (Yes in step S48), the control unit 100 (settlement control means 104) prohibits the settlement processing with the electronic money (step S49). The prohibition of payment processing with electronic money means that payment processing with electronic money is not executed. If it is determined that the card is not a type of card for which payment is prohibited (No in step S48), the control unit 100 executes a process in step S71 described later.

  Next, the control unit 100 determines whether or not the charge key 84 has been operated (step S50). If it is determined that it has not been operated (No in step S50), the control unit 100 (error processing means 104) executes error processing in which the settlement is an error (step S51). Then, the control unit 100 displays on the display unit 32 an error message indicating that the payment process is an error process and that the card amount is insufficient (step S52). Then, the control unit 100 (transmitting means 105) transmits to the POS terminal 2 that the payment has been processed with an error (step S53). The POS terminal 2 that has received the error processing information from the payment terminal 3 stops the payment at the POS terminal 2 and executes error processing.

  On the other hand, if it is determined in step S50 that the charge key 84 has been operated (Yes in step S50), the control unit 100 determines whether the card is a chargeable card (step S61). There are two types of electronic money cards that can be charged at the payment terminal 3 and cards that cannot be charged. Chargeable cards and non-chargeable cards are determined on a card-by-card basis, depending on the card structure and card security mechanism. The settlement terminal 3 stores in advance the types of cards that can be charged and the types of cards that cannot be charged. The payment terminal 3 receives card type information from the electronic money terminal 4. The control unit 100 (second determination unit 109) determines the type of the received card and determines whether the card is a chargeable card.

  If it is determined that the card cannot be charged (No in step S61), the control unit 100 executes an error process in step S51. If it is determined that the card is chargeable (Yes in step S61), the control unit 100 (shortage amount calculation means 108) calculates the shortage amount information from the settlement amount information and the card amount information ( Step S62). Next, the control unit 100 (charging means 107) charges the card with the card amount information charged by the operator or customer (step S63). Then, the control unit 100 determines whether or not the charged amount is sufficient based on the charged amount information and the shortage amount information (step S64). If the charged amount is larger than the shortage amount, the control unit 100 determines that the charged amount is sufficient.

  When it is determined that the charge amount is insufficient (No in step S64), the control unit 100 displays the amount insufficient and the insufficient amount on the display unit 32 (step S65). Then, the control unit 100 returns to step S49 to prompt further charging. On the other hand, if it is determined that the charge amount is sufficient (Yes in step S64), the control unit 100 executes a settlement process in step S81 described later.

  If the control unit 100 determines in step S47 that the settlement prohibition flag is not “1” (that is, “0”) (No in step S47), the control unit 100 displays the card amount information storage unit. Settlement processing is executed with the card amount information stored in 5424 (step S71). When the settlement process ends, the control unit 100 displays the end of settlement on the display unit 32 (step S72). Then, the control unit 100 transmits information indicating the end of settlement and unpaid amount information to the POS terminal 2 (step S73).

  Some POS terminals 2 can execute settlement for an unsettled amount at the POS terminal 2 when an unsettled amount is generated at the settlement terminal 3. When the POS terminal 2 receives the unsettled amount information from the settlement terminal 3, the POS terminal 2 performs a settlement process on the unsettled amount using another settlement means (for example, cash settlement).

  If it is determined in step S46 that the card amount information is not insufficient (No in step S46), the control unit 100 (payment control means 104, payment recovery means 109) determines the card amount information, the payment amount information, and so on. The electronic money settlement process is executed based on (Step S81). When the settlement process ends, the control unit 100 displays a message indicating the end of settlement on the display unit 32 (step S82). Then, the control unit 100 (transmission means 105) transmits information indicating that the electronic money settlement has ended to the POS terminal 2 (step S83).

  If it is determined in step S44 that a payment item other than electronic money payment has been selected (No in step S44), the control unit 100 executes a payment process corresponding to the selected payment item (step S91). . If it is determined in step S41 that a settlement command has not been received (No in step S41), the control unit 100 executes other processing (step S92).

  According to such an embodiment, when the card amount is insufficient in the electronic money payment, the payment at the payment terminal 3 is prohibited, so that both the payment terminal 3 and the POS terminal 2 prohibit the payment. be able to. Therefore, there is no contradiction between the payment process at the payment terminal 3 and the payment process at the POS terminal 2.

  In the embodiment, when the card amount included in the card amount information is insufficient, the payment terminal 3 charges the card, so that the payment process can be executed without making the payment process an error.

  Further, in the embodiment, when charging more than the shortage amount, the payment terminal 3 can execute the payment process without making the payment process an error.

  In the embodiment, since the type of the chargeable card is determined and the charge is executed in the case of the chargeable card, the settlement terminal 3 automatically executes the charge process on the chargeable card. In the case of a non-chargeable card, payment processing is prohibited and error processing can be executed.

  In the embodiment, since the command reception display 90 indicating that the payment terminal 3 has received the payment command is performed, the operator can confirm the reception of the payment command.

  The embodiment is presented as an example, and is not intended to limit the scope of the invention. The novel embodiment can be implemented in various other forms, and various omissions, replacements, and changes can be made without departing from the scope of the invention. This embodiment and its modifications are included in the scope and gist of the invention, and are included in the invention described in the claims and the equivalents thereof.

  For example, in the embodiment, the payment terminal 3 has been described as a separate body from the POS terminal 2, but the housings of both may be integrated. Moreover, the payment terminal 3 and the electronic money terminal 4 may be integrated.

  The program executed in the settlement terminal 3 of the embodiment is a file in an installable format or an executable format, and is read by a computer such as a CD-ROM, flexible disk (FD), CD-R, DVD (Digital Versatile Disk). It is provided by being recorded on a possible recording medium.

  In addition, the program executed by the payment terminal 3 of the embodiment may be configured to be provided by being stored on a computer connected to a network such as the Internet and downloaded via the network. Further, the program executed by the payment terminal 3 may be provided or distributed via a network such as the Internet.

  Moreover, you may comprise so that the program run with the payment terminal 3 of embodiment may be provided by incorporating in ROM etc. previously.

DESCRIPTION OF SYMBOLS 100 Control part 101 Settlement means 102 Receiving means 103 1st judgment means 104 Error processing means 105 Transmission means 106 Charging means 107 Shortage amount calculation means 108 Settlement revival means 109 Second judgment means

JP 2009-75986 A

The payment terminal of the embodiment includes a first acquisition unit that acquires a payment amount for payment of a transaction, a second acquisition unit that acquires the amount of electronic money stored in the amount storage unit, and the amount of the electronic money If the electronic money type is a type that prohibits payment when the payment amount is insufficient, the electronic money amount is not used for payment, and the electronic money amount is less than the payment amount. And payment means for using the amount of the electronic money for payment if the electronic money is of a type that permits payment .

The program according to the embodiment includes: a first acquisition unit that acquires a payment amount for settlement of a transaction; a second acquisition unit that acquires an amount of electronic money stored in the amount storage unit; If the amount of electronic money is a type that prohibits payment when the amount is insufficient with respect to the amount of payment, the amount of electronic money is not used for payment, and the amount of electronic money becomes the amount of payment. and payment means the type of the missing are and the electronic money for is to be used to pay the amount of the electronic money if the type to allow the payment, Ru is to function.

Claims (6)

Payment amount receiving means for receiving payment amount information from the sales data processing device;
Balance receiving means for receiving balance information stored in the electronic money medium from an external device that reads the information of the electronic money medium;
A charge operation accepting means for accepting an operation for charging money amount information to an electronic money medium;
When the balance information received by the balance receiving unit is insufficient with respect to the settlement amount information received by the settlement amount receiving unit, the charge operation by the charge operation accepting unit is accepted and the amount is stored in the electronic money medium Payment means for performing electronic money payment processing if the balance information is not insufficient with respect to the payment amount information after charging information;
With
The payment means does not perform the electronic money payment process when the type of electronic money medium is a type that prohibits the electronic money payment process when the balance information is insufficient, and the type of the electronic money medium does not include the balance information. If the electronic money settlement process is not prohibited when insufficient, the electronic money settlement process for the balance information is performed even if the balance information is insufficient with respect to the payment amount information.
Payment terminal. A shortage amount that is insufficient for settlement is calculated from the settlement amount information and the balance information, and the charge amount is calculated from the charge amount charged by the operation received by the charge operation accepting unit and the shortage amount. A shortage amount display means for displaying the shortage amount on the display unit when the electronic money settlement process is insufficient;
The payment terminal according to claim 1. Setting means for setting whether to prohibit the payment processing by the payment terminal when the balance information is insufficient with respect to the payment amount information;
A transmission means for transmitting the result of the payment process at the payment terminal to the sales data processing device;
If it is set in the setting means that the payment processing by the payment terminal is not prohibited in the setting means, even if the balance information is insufficient with respect to the payment amount information, the electronic information corresponding to the balance information Perform money settlement processing,
The transmission means transmits unsettled amount information indicating the amount of unsettled money in the settlement terminal to the sales data processing device.
The payment terminal according to claim 1 or 2. When the balance information is insufficient with respect to the payment amount information, the storage device further includes, for each type of the electronic money medium, setting whether to prohibit the electronic money payment processing by the payment terminal. ,
The payment terminal according to claim 3. The payment amount receiving means further comprises notification means for notifying the payment amount information received from the sales data processing device,
The payment terminal according to any one of claims 1 to 4. Computer
Payment amount receiving means for receiving payment amount information from the sales data processing device;
Balance receiving means for receiving balance information stored in the electronic money medium from an external device that reads the information of the electronic money medium;
A charge operation accepting means for accepting an operation for charging money amount information to an electronic money medium;
When the balance information received by the balance receiving unit is insufficient with respect to the settlement amount information received by the settlement amount receiving unit, the charge operation by the charge operation accepting unit is accepted and the amount is stored in the electronic money medium Payment means for performing electronic money payment processing if the balance information is not insufficient with respect to the payment amount information after charging information;
To function,
The payment means does not perform the electronic money payment process when the type of electronic money medium is a type that prohibits the electronic money payment process when the balance information is insufficient, and the type of the electronic money medium does not include the balance information. If the electronic money settlement process is not prohibited when insufficient, the electronic money settlement process for the balance information is performed even if the balance information is insufficient with respect to the payment amount information.
program.

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