JP4667488B2 - Payment processing system, payment processing method, and payment processing apparatus - Google Patents

Description

  The present invention relates to a payment processing apparatus, a payment processing method, and a payment processing system using the same, for example, using a contactless IC medium in which valuable payment information such as electronic money and points is recorded.

  In recent years, mobile terminals such as mobile phones are equipped with short-range communication interfaces. As a typical example of the interface, wireless communication means such as a non-contact type IC, an infrared ray, and Bluetooth can be cited. Among them, the operation of “holding” is already recognized for the wireless communication by the non-contact type IC.

  A non-contact IC chip which is mounted on a mobile terminal and constitutes non-contact IC communication is one in which valuable settlement information such as electronic money, cash card, credit card, point card, coupon, etc. is stored electronically. Many exist (see Patent Document 1).

  In this way, when paying with a mobile phone equipped with a non-contact IC chip in which a plurality of payment methods such as electronic money and credit cards are stored, the point grant rate differs for each payment method, and the same payment method is used. Even if there is a point, the point grant rate is different for each store used, the number of points until the point expires, and the expiration date of the point is unknown, so there is a problem that it is difficult to understand the payment method useful for the user at the time of payment there were.

Further, the payment processing system of Patent Document 1 also describes payment conditions such as a point grant rate and a point expiration date. However, this settlement condition is stored in a mobile phone with a contactless IC chip owned by the user. For this reason, even if these settlement conditions are revised to favorable conditions, it is inconvenient because the user needs to update the settlement conditions.
JP 2007-141055 A

  In view of the above-described problems, an object of the present invention is to provide a highly convenient settlement processing apparatus, a settlement processing method, and a settlement processing system using them that can perform settlement processing using a settlement method useful for a user.

The present invention relates to a payment processing system comprising a payment recording medium that records information relating to a payment method, and a payment processing device that communicates with the payment recording medium and performs payment processing using the payment method. , the payment method information recording unit for recording payment method information about a plurality of payment, in the settlement process, the plurality of payment methods include priorities for ranking in the desired priorities, the basis of preferences A medium recording having a priority condition recording unit for recording priority condition information composed of a plurality of pieces of individual priority condition information having different priority items and overall priority condition information for prioritizing the individual priority conditions themselves A payment condition recording means for recording payment condition information relating to a payment condition in the priority item for each of the payment methods; Medium recording information acquisition means for acquiring the payment method information and the priority condition information from a recording medium, and the payment condition information for each payment method acquired from the payment condition recording means, respectively, Based on the payment method information and the priority condition information acquired by the medium record information acquisition means, the respective payment methods are ranked so that the payment condition of the payment condition information becomes the priority of the priority condition information. And when the payment methods ranked based on the individual priority condition information are in the same rank, the ranking is based on the individual priority condition information in the next priority item based on the overall priority condition information. attached to, and a payment method determination means for determining a payment method for payment processing, the payment method determination means is higher settlement contents priority determined A settlement process is performed from a method, and when a remaining part occurs in the settlement content in the settlement process, a combination settlement process is permitted to perform a settlement process using a settlement method different from the determined settlement method, and the settlement process The apparatus further includes a determination result display means for displaying the payment method determined by the payment method determination means, and the payment method determined, including the payment method not displayed in the result display in the determination result display means. And a separate payment method selection means for enabling payment processing to be instructed by arbitrarily selecting a different payment method.

Et al of this invention can be a payment processing unit, and settlement processing method used in the payment processing system.

  According to the present invention, it is possible to provide a highly convenient settlement processing apparatus, a settlement processing method, and a settlement processing system using them, which can perform settlement processing using a settlement method useful for the user.

Hereinafter, an embodiment of the present invention will be described.
In this embodiment, an automatic transaction apparatus 101 as a payment processing apparatus installed in a convenience store or the like is taken as an example, and a non-contact IC chip mounted mobile phone 10 (hereinafter referred to as a mobile phone 10) is used as a payment recording medium. The configuration of a payment processing system using the mobile phone 10 and the automatic transaction apparatus 101 and the internal configuration of each apparatus will be described with reference to FIG.

  The mobile phone 10 owned by the user 1 is a short-range communication interface in addition to a telephone device that constitutes a normal telephone function, and a non-contact IC chip 220 (FIG. 2) that constitutes non-contact IC communication. The built-in non-contact IC chip 220 stores electronically valuable settlement information for various settlement methods such as cash cards and credit cards.

  The short-range communication means is not limited to non-contact IC communication using the non-contact IC chip 220, and may be wireless communication using infrared, Bluetooth, UWB (Ultra Wide Band), or the like in this embodiment. Although the mobile phone 10 is used as the settlement recording medium, a small mobile terminal such as a PDA may be used.

  The automatic transaction apparatus 101 includes a card unit 102 that reads and discharges a magnetic stripe of a cash card, a schedule output unit 103 that creates and discharges a statement slip, and operations such as guidance display and input to the user 1 The operation unit (touch panel) 104 as a determination result display means, the customer detection unit 105 that detects that the user 1 has approached the automatic transaction apparatus 101, and the non-contact IC chip 220 are read in a non-contact manner. However, a non-contact IC reader / writer 106 as medium recording information acquisition means is disposed in front of the automatic transaction apparatus 101 as shown in FIG.

Next, the configuration of the automatic transaction apparatus 101 and the mobile phone 10 will be described with reference to FIG. 2 showing a configuration block diagram of the automatic transaction apparatus 101 and the mobile phone 10.
The automatic transaction apparatus 101 includes a control unit 201 configured by a CPU and a memory, a recording unit 107 that records data, and a communication unit 108 that transmits and receives data. The recording unit 107 and the communication unit 108, the card unit 102, the schedule output unit 103, the operation unit 104, the customer detection unit 105, and the non-contact IC reader / writer 106 are connected to the control unit 201 disposed inside. The entire automatic transaction apparatus is controlled by the control unit 201.

  The cellular phone 10 includes a control unit 211 that controls the entire cellular phone constituted by a CPU and a memory, a display unit (liquid crystal panel) 212 that displays various menus, and keys that are pressed by the user 1 or with a finger. An input unit 213 that receives input, a microphone / speaker unit 214 that inputs and outputs audio, a camera unit 215 that has a shooting function, and a communication unit 216 that communicates with other mobile phones (has data transmission and reception and a call function). A short-range communication unit 217 (which may be referred to as a data transmission unit or a transfer unit because it performs data transmission and transfer) and a main recording unit for storing a mobile phone program and the like 218 and auxiliary recording unit 219.

  Here, the communication unit 216 is a communication device that enables communication via a mobile phone base station, and can perform communication over a long distance. The short-range communication unit 217 is a communication device that communicates between mobile phones without going through other devices. Although there is a limit on the distance between mobile phones that can communicate, there is a possibility of data leakage during communication. Less.

  Furthermore, the mobile phone 10 incorporates a non-contact IC chip 220 for non-contact type IC communication in addition to a device such as communication for functioning as a mobile phone as described above. The non-contact IC chip 220 records a non-contact IC control unit 221 that controls the entire non-contact IC chip, a balance of electronic money and credit card data, a recording unit 222 as a medium recording unit, an automatic transaction apparatus 101, The non-contact communication unit 223 for short-range communication is configured, and the recording unit 222 and the non-contact communication unit 223 are connected to the non-contact IC control unit 221.

  The non-contact IC control unit 221 executes various processes via the non-contact communication unit 223 in response to a request from the automatic transaction apparatus 101. For example, addition / subtraction of electronic money, credit card data transmission / reception processing, data writing processing, and the like are executed.

  The display unit 212, the input unit 213, the microphone / speaker unit 214, the camera unit 215, the communication unit 216, the short-range communication unit 217, the main recording unit 218, the auxiliary recording unit 219, and the non-contact IC chip 220 are the control unit 211. And the entire mobile phone 10 is controlled by the control unit 211.

  Next, the software / data configuration of the automatic transaction apparatus 101 and the mobile phone 10 will be described with reference to FIG. 3 showing a block diagram relating to the software / data configuration of the automatic transaction apparatus 101 and the mobile phone 10.

The recording unit 107 of the automatic transaction apparatus 101 includes an application 301, middleware 302, a non-contact IC reader / writer driver 303 that controls the non-contact IC reader / writer 106, software of other driver groups 304, and payment condition information. The point grant rate, expiration date, point exchange expiration point number, etc. are recorded, and the settlement condition information table 306 as settlement condition recording means and the priority order table in the non-contact IC chip 220 built in the mobile phone 10 are stored. And a priority address reference table 305 indicating the address (address) that is being recorded.
The payment condition information such as the above-mentioned point grant rate, expiration date, and point exchange expiration points is recorded in the payment condition information table 306 for each payment method.

  The recording unit 222 in the contactless IC chip 220 of the mobile phone 10 stores settlement method data as settlement method information, a settlement method data storage area 307 as a settlement method information recording unit, and a settlement priority order as priority condition information. And a priority order setting area 308 as a priority condition recording unit.

  The settlement method data stored in the settlement method data storage area 307 is composed of credit card data 309 of a plurality of credit providers that perform credit settlement, and electronic money value 310 of each electronic money provider that performs settlement with electronic money. ing.

  The priority setting area 308 includes an overall priority table 311 and an individual priority condition group 312. The overall priority table 311 determines the settlement priority of the individual priority conditions themselves. Is related to the priority condition individually set for each priority item.

The individual priority condition group 312 includes, as individual priority conditions, a point grant rate table 313 having “point grant rate” as a priority item, an expiration date table 314 having “expiration date” as a priority item, and “use shop” "Used shop table 315 having""as a priority item, a settlement table 316 having" settlement method "as a priority item, and an optional setting table 317 with priority items arbitrarily set by the user.
Further, the arbitrary setting tables 317 with the priority items arbitrarily set as individual priority conditions exist as many as the number set by the user.

Next, individual data structures will be described with reference to FIGS. 4 and 5 showing data structures of priority conditions.
An overall priority order table 311 shown in FIG. 4A is a table for storing priorities of individual priority conditions themselves belonging to the individual priority condition group 312, and individual priority conditions for storing the number of recorded individual priority conditions. 311-1, and an individual priority condition identifier 311-2 that stores identifiers for identifying the recorded individual priority conditions in order of priority.

  Of the individual priority conditions belonging to the individual priority condition group 312, the priority condition stored in the point grant rate table 313 gives priority to a payment method with a high point grant rate given when making a settlement, with the point grant rate as a priority item. It is a condition. The point grant rate table 313 identifies the number of data 313-1 storing the priority condition data number 1 stored in the point grant rate table 313 and the priority item “point grant rate” of the individual priority condition. It consists of an individual priority condition identifier 313-2 for storing an identifier 3001 (see FIG. 4B).

  Among the individual priority conditions belonging to the individual priority condition group 312, the priority condition stored in the expiration date table 314 is a priority condition in which the expiration date is a priority item and priority is given to a settlement method having a near point expiration date. The expiration date table 314 includes a data number 314-1 for storing the number of priority condition data 1 stored in the expiration date table 314 and an identifier 4001 for identifying the priority item “expiration date” of the individual priority condition. It consists of the individual priority condition identifier 314-2 to be stored (see FIG. 4C).

  As described above, the expiry date as a priority item is not limited to the configuration in which priority is given to the points in the order from the closest to the expiry date of the points already held, and is the configuration in which priority is given to those with a longer expiry date. May be.

  Among the individual priority conditions belonging to the individual priority condition group 312, the priority condition stored in the use shop-specific table 315 is a condition in which the use priority is set to the use shop and the settlement priority order of the shop to be used is set when making a settlement. .

  The use shop specific table 315 stores the number of data 315-1 for storing the number of stored priority condition data, and the individual priority condition identifier for storing the identifier 2001 for identifying the priority item "use shop specific" of the individual priority condition. 315-2, a shop identifier 315-3 for storing an identifier for identifying each used shop, a number of settlement methods 315-4 for storing the number of settlement methods that can be used in each used shop, and a settlement for each used shop The payment method identifier 315-5 stores method identifiers in priority order.

  The store data stored in the shop identifier 315-3, the number of settlement methods 315-4 by shop, and the settlement method identifier 315-5 constitute a set of data for each shop, and the priority is given from the top in the table 315 used by shop. In order, a set of data for each shop is arranged (see FIG. 4D).

  Among the individual priority conditions belonging to the individual priority condition group 312, the settlement priority condition stored in the settlement-specific table 316 is a condition in which the settlement method is a priority item and the priority order of the settlement method to be settled when settlement is made. .

  The payment table 316 stores the number of data 316-1 for storing the number of data of the payment method identifier stored in the payment table 316 and the identifier 1001 for identifying the priority item “by payment” of the individual priority condition. The individual priority condition identifier 316-2 and the settlement method identifier 316-3 for storing the identifiers for identifying each settlement method in the priority order (see FIG. 5A).

Among the individual priority conditions belonging to the individual priority condition group 312, the “arbitrary setting table 317” is a priority condition that is arbitrarily set by the user 1 and ranks the settlement methods to be settled. The number of data 317-1 for storing the number of data “n” in an arbitrary priority item stored, and the individual priority condition identifier 317− for storing the identifier “xxxx” for identifying the priority item “arbitrary setting” of the individual priority condition 2 and a priority item condition 317-3 for storing arbitrarily set priority item conditions (see FIG. 5B).
The optional setting table 317 can add a priority item condition 317-3 according to the allowable amount of the memory constituting the control unit 201.

A specific example of priority conditions configured in such a data configuration will be described with reference to FIG.
In the overall priority table 311a shown in FIG. 6A, the individual priority condition number 311a-1 stores a recording number 2 indicating the number of recorded individual priority conditions, and the individual priority condition identifier 311a-2 has priority. In order, the identifier “4001” of the individual priority condition “expiration date” and the identifier “2001” of the individual priority condition “by use shop” are stored.

The stored data corresponding to the priority condition information stored in the overall priority order table 311a can be set by the operation of the mobile phone 10 by the user as shown in FIG.
Specifically, when the “settlement priority setting” button on the menu selection screen 401a (FIG. 7A) displayed on the display unit 212 of the mobile phone 10 is pressed, the mobile phone 10 controls the control unit 211 (FIG. 2). Based on this control, the setting priority order selection screen 401b (FIG. 7B) for selecting the settlement priority order to be set is displayed.

  When the “overall priority” button for setting the overall priority on the setting priority selection screen 401b is pressed, the overall priority setting screen 401c (FIG. 7C) is displayed.

  On this overall priority setting screen 401c, rank number buttons 1 to 5 and text boxes corresponding to the respective rank number buttons are displayed. In order to set the individual priority condition having the highest priority, the rank number is set. When the button “1” is pressed, an individual priority condition selection screen 401d shown in FIG. 7D is displayed.

  In this individual priority condition selection screen 401d, a plurality of individual priority conditions stored in the non-contact IC chip 220 are displayed so as to be selectable. Here, as shown in FIG. When “Point Expiration Date” is selected and the “Register” button is pressed to make individual priority conditions, the entire state in which “Point Expiration Date” is stored in the text box next to the rank number button “1” Returning to the priority setting screen 401c (FIG. 7E).

  Similarly, when the order number button “2” is pressed to set the individual priority condition of the next order, a plurality of individual priority conditions stored in the non-contact IC chip 220 are displayed so as to be selectable as described above. The individual priority condition selection screen 401d (FIG. 7F) is displayed.

  Then, in order to set the next order, that is, the second individual priority condition to “use shop”, when “use shop” is selected and the “registration” button is pressed, the order number button “2” The screen returns to the overall priority setting screen 401c (FIG. 7 (g)) in a state where “by shop used” is stored in the horizontal text box. In this way, the user can set the order of the individual priority conditions in the overall priority table 311a as shown in FIG.

  Next, as shown in FIG. 6B, an expiration date table 314 having “expiration date” as a priority item among the two individual priority conditions recorded in the overall priority table 311a will be described. 1 stores the number of stored priority condition data 1, and the individual priority condition identifier 314a-2 stores an identifier 4001 for identifying the individual priority condition “expiration date”.

  Furthermore, as shown in FIG. 6C, a table 315a by use shop having “use shop” as a priority item among the two individual priority conditions recorded in the overall priority table 311a will be described. 1 stores the number of stored priority condition data 10, the individual priority condition identifier 315a-2 stores an identifier 2001 for identifying “by shop used”, and the shop identifier 315a-3 stores each shop used. The identifiers “XYZ department store 8001”, “ABC super 7002”, etc. for identifying are stored in the priority order, and the number of settlement methods 315a-4 below the shop identifier 315a-3 is the number of settlement methods that can be used in each shop. “2”, “3”, and the like are stored.

In addition, the settlement method identifier 315a-5 stores therein identifiers for identifying settlement methods that can be used for each use shop in order of priority, and the settlement method identifier 315a of “XYZ department store” that can use two types of settlement methods. The payment method identifiers “02” and “01” are stored in this order in -5, and the payment method identifier 315a-5 of “ABC Super” that can use three types of payment methods includes the payment method identifier. “02”, “03”, and “01” are stored in this order.
The identifier “01” of the settlement method indicates “electronic money A”, “02” indicates “electronic money B”, and “03” indicates “credit A”.

As a result, in “XYZ department store”, the settlement method “electronic money B” has priority over “electronic money A”, and the settlement methods “electronic money B”, “credit A” and “electronic money A” in “ABC super” are in this order. Is preferred.
In other words, in the individual priority condition “by use shop”, in addition to the use shop order, the order of settlement methods is further defined by the item contents of each shop.

The data stored in the use shop specific table 315a is set by the operation of the mobile phone 10 by the user as shown in FIG.
Specifically, in the same manner as the overall priority setting method, when the “settlement priority setting” button on the menu selection screen 402a (FIG. 8A) displayed on the display unit 212 of the mobile phone 10 is pressed, A setting priority order selection screen 402b (FIG. 8B) for selecting a settlement priority order to be set is displayed, and an “individual priority order setting” button for setting individual priority conditions on this setting priority order selection screen 402b is displayed. When pressed, an individual priority order setting screen 402c (FIG. 8C) is displayed.

  In the individual priority order setting screen 402c, a selection button displaying a plurality of individual priority conditions stored in the non-contact IC chip 220 is displayed. In this embodiment, two selection buttons corresponding to the priority condition for each settlement and the priority condition for each shop used stored in the non-contact IC chip 220 of the mobile phone 10 are displayed.

  Here, in order to set “priority condition for each shop used” shown in FIG. 6C, when the “by shop shop” button displayed on the individual priority setting screen 402c is pressed, the non-contact IC chip 220 is displayed. A use shop selection screen 402d on which a selection button corresponding to the use shop stored in is displayed is displayed (FIG. 8D). In this embodiment, three selection buttons corresponding to “ABC super”, “Iroha department store”, and “XYZ department store” stored in the non-contact IC chip 220 of the mobile phone 10 are displayed.

First, when the “ABC super” button displayed on the use shop selection screen 402d is pressed in order to set the priority condition for each use shop of “ABC super”, the rank number buttons 1 to 5 and each rank A shop-by-shop priority setting screen 402e (FIG. 8E) on which a text box corresponding to the number button is displayed is displayed.
Then, when the order number button “1” is pressed to set the payment method with the highest priority in this shop, a priority payment method selection screen 402f shown in FIG. 8F is displayed.

  In this priority settlement method selection screen 402f, a plurality of settlement methods stored in the non-contact IC chip 220 are displayed so as to be selectable. Here, as shown in FIG. When “electronic money B” is selected and the “registration” button is pressed so that “money B” is the highest priority payment method, “electronic money B” is displayed in the text box next to the rank number button “1”. Return to the store priority setting screen 402e (FIG. 8G) in the stored state.

  Similarly, the order number button “2” is pressed to set the next order in “ABC Super”, that is, the second settlement method, and is identified by the identifier “03” as shown in FIG. 6C. When “Credit A” is selected and the “Register” button is pressed, the shop priority order setting screen 402e in which “Credit A” is stored in the text box next to the rank number button “2” (FIG. 8). Return to (i)).

  By setting this for each use shop, the user can set the priority conditions in the “use shop by” individual priority table 315a as shown in FIG.

  Next, another specific example of priority conditions will be described with reference to FIG. 9. In the overall priority table 311b shown in FIG. 9A, the number of individual priority conditions recorded is 2 in the number of individual priority conditions 311b-1. In the individual priority condition identifier 311b-2, an identifier “3001” of the priority item “point grant rate” and an identifier “1001” of the priority item “by payment” are stored.

Note that the data stored in the overall priority table 311b as described above can be set by the operation of the mobile phone 10 by the user as shown in FIG.
Specifically, as in the description of FIG. 7, the mobile phone 10 on which the “settlement priority setting” button on the menu selection screen 403 a (FIG. 10A) displayed on the display unit 212 of the mobile phone 10 is pressed is When the setting priority order selection screen 403b (FIG. 10B) is displayed and the "overall priority" button for setting the overall priority is pressed on the setting priority order selection screen 403b, the overall priority order setting is performed. A screen 403c (FIG. 10C) is displayed.

  Similar to the above-mentioned overall priority setting screen 401c, the overall priority setting screen 403c displays rank number buttons 1 to 5 and text boxes thereof, and the rank number button “1” is pressed. Then, an individual priority condition selection screen 403d (FIG. 10D) on which a plurality of individual priority conditions stored in the non-contact IC chip 220 are displayed to be selectable is displayed.

  Here, when “point grant rate” is first selected (FIG. 10D), an overall priority setting screen 403c (FIG. 10E) in which “point grant rate” is stored in a text box is displayed. . When the order number button “2” is pressed, the individual priority condition selection screen 403d (FIG. 10D) is displayed again, and when “by payment” is selected (FIG. 10F), “point addition” An overall priority setting screen 403c in which “rate” and “by payment” are arranged in this order is displayed.

  As a result, as shown in FIG. 9A, the overall priority table 311b in which the highest priority individual priority condition is set to “point grant rate” and the second individual priority condition is set to “by payment”. Can be set by the user.

  Next, as shown in FIG. 9B, a point grant rate table 313b having a point grant rate as a priority item among the two individual priority conditions recorded in the overall priority order table 311b will be described. 1 stores the number of stored priority condition data 1, and the individual priority condition identifier 313b-2 stores an identifier 3001 for identifying the individual priority condition “point grant rate”.

  Furthermore, as shown in FIG. 9C, a settlement-specific table 316b having a settlement method as a priority item among the two individual priority conditions recorded in the overall priority table 311b will be described. The stored priority condition data number 4 is stored, the individual priority condition identifier 316b-2 stores an identifier 1001 for identifying “by payment”, and the settlement method identifier 316b-3 identifies each settlement method. Identifiers are stored in order of priority.

  In this embodiment, the identifier “02” of electronic money B, the identifier “01” of electronic money A, and the identifier “03” of credit A are stored in this order from the top. Accordingly, the electronic money B identifier “02”, the electronic money A identifier “01”, and the credit A identifier “03” are prioritized in a plurality of settlement methods.

Note that the data stored in the settlement-specific table 316b is set by the user operating the mobile phone 10 as shown in FIG.
Specifically, as in the method of setting the overall priority, when the “Set Payment Priority” button on the menu selection screen 404a (FIG. 11A) displayed on the display unit 212 of the mobile phone 10 is pressed, A setting priority selection screen 404b (FIG. 11B) for selecting a settlement priority to be displayed is displayed, and an “individual priority setting” button for setting individual priority conditions is pressed on the setting priority selection screen 404b. Then, the individual priority setting screen 404c (FIG. 11C) is displayed.

  In the individual priority order setting screen 404c, selection buttons corresponding to a plurality of individual priority conditions stored in the non-contact IC chip 220 are displayed. In this embodiment, two selection buttons corresponding to the priority condition for each settlement and the priority condition for each shop used stored in the non-contact IC chip 220 of the mobile phone 10 are displayed.

  Here, in order to set the “priority by payment” shown in FIG. 9C, when the “by payment” button displayed on the individual priority setting screen 404c is pressed, rank numbers 1 to 5 are set. A payment-specific priority setting screen 404d (FIG. 11 (d)) on which buttons and text boxes corresponding to the respective rank number buttons are displayed.

When the order number button “1” is pressed to set the payment method with the highest priority, a priority payment method selection screen 404e shown in FIG. 11E is displayed.
In this priority settlement method selection screen 404e, a plurality of settlement methods stored in the non-contact IC chip 220 are displayed so as to be selectable. Here, as shown in FIG. When “electronic money B” is selected and the “registration” button is pressed so that “money B” is the highest priority payment method, “electronic money B” is displayed in the text box next to the rank number button “1”. Returning to the stored priority order setting screen 404d (FIG. 11 (f)).

Similarly, the order number button “2” is pressed to set the next order, that is, the second settlement method, and the identifier “01” is identified on the priority settlement method selection screen 404e as shown in FIG. 9C. When “electronic money A” is selected and the “register” button is pressed (FIG. 11G), “electronic money A” is stored in the text box next to the rank number button “2”. Return to the shop priority order setting screen 404e (FIG. 11H).
By repeating this up to settlement priority 5, the settlement priority condition in the “by settlement” individual priority table 316b as shown in FIG. 11 (i) can be set by the user.

Next, the settlement condition information table 306 will be described together with FIG. 12 showing a data configuration diagram of the settlement condition information table 306 stored in the recording unit 107 of the automatic transaction apparatus 101.
As shown in FIG. 12A, the settlement condition information table 306 includes the number of settlement methods 306-1 for storing the number of settlement methods stored in the settlement condition information table 306, and the individual items stored in the settlement condition information table 306. Payment condition information 306-2 for storing information related to the payment method.

  In each settlement condition information 306-2, as shown in FIG. 12B, a settlement method identifier 3062-1 for storing an identifier for identifying each settlement method, and a point for storing a point grant rate in the settlement method. Grant rate 3062-2, expiration date 3062-3 for storing the expiration date of the points to be granted, point exchange product type 3062-4 for storing the number of types of products that can be exchanged for the given points, and the number of expiration points Exchange point number 3062-5, exchange product name 3062-6 for storing exchangeable product names, and neighboring member store number 3062 for storing the number of neighboring member stores that can be settled by the settlement method. -7 and a neighboring member name \ address 3062-8 that stores the store name and address of a neighboring member store that can be settled by the settlement method.

  Note that the point grant rate stored in the stored point grant rate 3062-2 corresponds to the grant point rate information, the expiration point number stored in the exchange point number 3062-5 corresponds to the reward enjoyable point number information, Neighboring member name \ address 3062-8 functions as possible settlement method information recording means.

  The payment information to be stored will be described together with FIGS. 13 and 14 showing specific examples of the payment information stored in the payment condition information table 306 having such a data structure.

  As shown in FIG. 13A, the number of settlement methods 3 stored is stored in the number of settlement methods 306a-1 in the settlement condition information table 306a, and the settlement of each settlement method is stored in each settlement method information 306a-2. Condition information is stored. Specifically, “information about electronic money A”, “information about electronic money B”, and “information about credit A” are stored sequentially from the top.

  As shown in FIG. 13 (b), the electronic money A identifier “01” is stored in the payment method identifier 3062a-1 in the “electronic money A” 306-2a among the individual payment condition information. The point grant rate 3062a-2 stores the point grant rate “3%” when payment is made with the electronic money A, and the expiration date 3062a-3 is the expiration date “2008 / 08/31 "is stored.

  The point exchange product type 3062a-4 stores the number of product types “3” that can be exchanged for points, and the exchange point number 3062a-5 stores the number of exchange points “1000”, “30000”, “50000”, and the like. Has been. Further, in the exchange product name 3062a-6, the product name “10000 yen gift certificate”, “30000 yen gift certificate” or “50000 yen gift certificate” that can be exchanged with the exchange point stored in the exchange point number 3062a-5 is stored. Yes.

  Furthermore, the number of neighboring member stores that can be settled with “electronic money A” “10” is stored in the number of neighboring member stores 3062a-7, and the neighboring member name \ address 3062a-8 contains the neighboring member stores. Store name and address "ABC Super \ Shinagawa-ku, Tokyo ..." and the like.

  Similarly, as shown in FIG. 14 (a), “the electronic money B identifier“ 02 ”is stored in the payment method identifier 3062b-1 in the“ electronic money B ”306-2b among the individual payment method information. The point grant rate 3062b-2 stores the point grant rate “5%” when the payment is made with the electronic money B, and the expiration date 3062b-3 is the expiration date of the points given when the settlement is made. 2008/08/31 "is stored.

  The point exchange product type 3062b-4 stores the number “1” of product types that can be exchanged for points, and the exchange point number 3062b-5 stores the number of exchange points “50000”. Further, the exchange product name 3062b-6 stores a product name “10000 yen gift certificate” that can be exchanged with the exchange point stored in the exchange point number 3062b-5, and the neighboring member store number 3062b-7 stores “electronic money B”. Stores the number of neighboring member stores that can be settled at “3”, and the neighboring member name \ address 3062b-8 stores the name and address of the neighboring member store “XYZ Department Store \ Yokohama City, Kanagawa ...”, etc. Is stored.

  Further, as shown in FIG. 14B, “credit A identifier“ 03 ”is stored in the payment method identifier 3062 c-1 in“ credit A ”306-2 c among the individual payment method information, and the points In the grant rate 3062c-2, the point grant rate “3%” when the settlement is made with the credit A is stored, and in the expiration date 3062c-3, “2008/10 / 31 "is stored.

  The point exchange product type 3062c-4 stores the number of product types “1” that can be exchanged for points, and the exchange point number 3062c-5 stores the number of exchange points “3000”. Further, the exchange product name 3062c-6 stores a product name “10000 yen gift certificate” that can be exchanged at the exchange point stored in the exchange point number 3062c-5, and the neighboring member store number 3062c-7 stores “electronic money C”. Stores the number of neighboring member stores that can be settled at “2”, and the neighboring member name \ address 3062c-8 stores the name and address of the neighboring member store “Iroha Department Store \ Odawara City, Kanagawa ...”, etc. Is stored.

Next, the priority address reference table 305 will be described with reference to FIG. 15 showing a data configuration diagram of the priority address reference table 305.
The priority address reference table 305 indicates the storage location address in the non-contact IC chip 220 of each priority table stored in the non-contact IC chip 220 of the mobile phone 10, and is shown in FIG. As described above, the number of data 305-1 for storing the number of priority conditions stored in the priority order address reference table 305, the overall priority condition identifier 305-2 for storing an identifier for identifying the overall priority condition, and the overall priority order table 311 , An overall priority address 305-3 indicating an address in the non-contact IC chip 220, an individual priority condition identifier 305-4 for storing an identifier of individual priority conditions, and a non-contact IC for storing the individual priority condition table It consists of an individual priority address 305-5 indicating the address in the chip 220.

  The priority address to be stored will be described with reference to FIG. 15B showing a specific example of the priority address information stored in the priority address reference table 305 having such a data structure. In the data number 305a-1, a priority condition number “5”, which is a combination of the overall priority condition and the individual priority condition stored in the priority order address reference table 305a, is stored.

  The overall priority condition identifier 305a-2 stores an identifier "0000" for identifying the overall priority condition, and the overall priority address 305a-3 has an address "00000" in the overall priority table 311 in the non-contact IC chip 220. Is stored.

  Furthermore, the individual priority condition identifier 305-4 corresponds to the identifier “1001” corresponding to the priority item “by payment”, the identifier “2001” corresponding to the priority item “by shop”, and the priority item “point grant rate”. The identifier “3001” and the identifier “4001” corresponding to the priority item “expiration date” are stored, and the individual priority order address 305-5 is identified by the identifier stored in each individual priority condition identifier 305-4. The addresses “12000”, “14000”, “17000”, “18000” and the like in the non-contact IC chip 220 storing the priority condition table to be stored are stored.

  A processing flow of the payment processing system using the mobile phone 10 and the automatic transaction apparatus 101 configured as described above will be described with reference to FIGS. 16 and 17 show display screens displayed on the operation unit 104 of the automatic transaction apparatus 101 in the payment process, and FIGS. 18 to 27 show a flow chart of the payment process.

  First, in the standby screen 104a (FIG. 16 (a)) displayed on the operation unit 104 (touch panel) of the automatic transaction apparatus 101, it is detected that the user 1 selects and presses the “product purchase” button as a transaction. (Step s601).

  The automatic transaction apparatus 101 whose “buy product” button is pressed on the standby screen 104a displays a first instruction screen 104b (FIG. 16B). Note that the first instruction screen 104b is a screen for guiding the mobile phone 10 equipped with the non-contact IC chip 220, which is a non-contact IC medium, to be placed on the non-contact IC reader / writer 106 (step s602).

  The automatic transaction apparatus 101 displaying the first instruction screen 104b controls the control unit 201 from the non-contact IC reader / writer 106 to detect that the mobile phone 10 is placed on the non-contact IC reader / writer 106. Polling is transmitted (step s603).

  The non-contact IC chip 220 of the mobile phone 10 (hereinafter, simply described as the mobile phone 10) responds to the polling from the non-contact IC reader / writer 106 (step s604), and the polling response from the mobile phone 10 is sent. The received automatic transaction apparatus 101 proceeds to the next screen by detecting that the mobile phone 10 having the non-contact IC chip 220 is placed on the non-contact IC reader / writer 106 (step s605: Yes).

  When the polling response from the mobile phone 10 cannot be received (step s605: No), the automatic transaction apparatus 101 returns to step s603, transmits polling to the mobile phone 10 again, and the polling response from the mobile phone 10 is received. Repeat until obtained.

  The automatic transaction apparatus 101 that has detected that the mobile phone 10 is placed on the non-contact IC reader / writer 106 selects a purchase request selection screen 104c for selecting contents to be purchased and settled using the transaction apparatus (FIG. 16C). ) Is displayed.

  When a payment service to be purchased and settled is selected by the user 1 on the purchase request selection screen 104c (step s606), the automatic transaction apparatus 101 displays the amount of the selected product and purchase confirmation for confirming the purchase. The screen 104d (FIG. 16D) is displayed (step s607).

  When the “next” button is pressed on the purchase confirmation screen 104 d, the automatic transaction apparatus 101 determines that the purchase of the product by the user has been obtained, and the plurality of items stored in the non-contact IC 220 of the mobile phone 10. A read command for reading the payment method is transmitted to the mobile phone 10 (step s608), and the mobile phone 10 that has received the read command from the automatic transaction apparatus 101 transmits payment method data, which is information relating to the payment method, to the automatic transaction apparatus 101. (Step s609).

  Further, as shown in FIG. 19, the automatic transaction apparatus 101 refers to the priority order address reference table 305, and issues a whole priority order read command for reading the whole priority order table 311 on the non-contact IC chip 220. (Step s610). The mobile phone 10 that has received the overall priority read command from the automatic transaction apparatus 101 transmits the overall priority table 311 as overall priority table information (step s611). Note that steps s608 to 611 correspond to the medium recording information acquisition step.

In this way, the control unit 201 of the automatic transaction apparatus 101 that has received the overall priority table information determines what the first individual priority condition of the overall priority table is (steps s612, s613, s615, s617, s619).
At this time, the control unit 201 of the automatic transaction apparatus 101 functions as a settlement method determination unit.

  Then, the automatic transaction apparatus 101 rearranges the payment methods corresponding to the payment method data read out in step s608 in accordance with the first priority, that is, the individual priority condition determined as the highest priority in the overall priority conditions (steps s614, 616, 616). 618, 620).

  Specifically, when the highest priority item in the overall priority table 311 is “by payment” (step s613: Yes), a plurality of payment methods are ranked according to the priority condition by payment (individual priority condition “by payment”). (Step s614). At this time, if there are settlement methods of the same order, they are kept in the same order as they are.

  If the highest priority item is not “by payment” (step s613: No) but is “by shop used” (step s615: yes), a plurality of payment methods are ranked and stored according to the shop shop priority conditions. (Step s616).

  If the highest priority item is not “use shop” (step s615: No) but “point grant rate” (step s617: yes), a plurality of settlement methods are ranked and stored according to the point grant rate priority condition. (Step s618).

  At this time, the control unit 201 serving as a settlement method determination unit determines the point grant rate corresponding to each settlement method from the point grant rate 3062-2 of the settlement condition information table 306 recorded in the recording unit 107 of the automatic transaction apparatus 101. And the settlement methods are ranked so that the extracted point grant rate is in descending order.

  If the highest priority item is not “point grant rate” (step s617: No) but “point expiration date” (step s619: yes), a plurality of payment methods are ranked and stored according to the point expiration date priority condition. (Step s620).

  Further, as in the case of ranking with “point grant rate” as a priority item, the control unit 201 determines from the expiration date 3062-3 of the settlement condition information table 306 recorded in the recording unit 107 of the automatic transaction apparatus 101. The point expiration date corresponding to each settlement method is extracted, and the settlement methods are ranked so that the extracted point expiration dates are in order.

  Finally, when the highest priority item is not the “point expiration date” (step s619: No), the automatic transaction apparatus 101 ends abnormally because the determination of the individual priority condition is abnormal (step s621).

  Furthermore, as a result of each ranking, the control unit 201 erases the payment methods that have not been ranked from the memory of the control unit 201 to speed up subsequent processing.

  In this way, when there is the same rank in the settlement method ranked according to the priority item having the highest priority in the overall priority condition (step s622: Yes), and the read overall priority table is not the end, that is, the next rank If there is an individual priority condition (step s623: No), it is determined what the second priority condition of the read overall priority table is (steps s624, 625, 627, 629, 631, 619).

  According to the determined individual priority condition, the settlement methods having the same rank in the ranking in step s614, s616, s618 or s620 are ranked again with this priority condition (steps s626, 628, 630, and 632).

  Specifically, when the second priority item in the overall priority table 311 is “by payment” (step s625: Yes), the payment methods having the same rank are ranked and stored according to the payment priority conditions. (Step s626).

  If the second priority item is not “by payment” (step s625: No) but “by shop used” (step s627: yes), the payment method has the same rank according to the shop shop priority conditions. Are ranked and stored (step s628).

  If the second priority item is not “by shop used” (step s627: No) but is “point grant rate” (step s629: yes), settlements that have the same rank according to the point grant rate priority condition The methods are ranked and stored (step s630).

  Also in this case, as described above, the control unit 201 extracts the point grant rate corresponding to each settlement method from the point grant rate 3062-2 of the settlement condition information table 306, and the extracted point grant rate is in descending order. The payment methods are ranked as follows.

  If the second priority item is not the “point grant rate” (step s629: No) but “point expiration date” (step s631: yes), the settlements that have the same rank according to the point expiration date priority condition The methods are ranked and saved (step s632).

  Further, in this case as well, as described above, the control unit 201 extracts the point expiration date corresponding to each settlement method from the expiration date 3062-3 of the settlement condition information table 306, and the extracted point expiration date is close to the order. The payment methods are ranked as follows.

  If the second priority item is not the “point grant rate” (step s631: NO), the automatic transaction apparatus 101 ends abnormally because the individual priority condition determination is abnormal ( Step s633).

  Furthermore, when there is the same order (step s634: yes) and the overall priority table does not end, that is, when there is an individual priority condition of the next order (step s635: no), the third of the read overall priority table Steps s625 to 632 are repeated for the priority items until the same rank is lost (steps s622, 634: No), or until the read overall priority table ends (steps s623, 635: Yes), and the process proceeds to the next. Note that steps s612 to s635 correspond to a settlement method determination step.

  Then, as shown in FIG. 21, it is determined whether or not the first priority in the payment methods ranked in steps s612 to s635, that is, the highest-priority payment method is electronic money (steps s636 and 636a).

  If the highest priority payment method is electronic money (step s636a: Yes), the electronic money balance is read from the non-contact IC chip 220 of the mobile phone 10 (step s638), and the read balance and electronic money name are stored in the payment simulation table. Save (step s637).

  The settlement simulation table is a table that temporarily stores a simulation result of the settlement method of the control unit 201 functioning as a settlement method determination unit in a memory constituting the control unit 201.

  Furthermore, the point grant rate of the electronic money is searched from the point grant rate 3062-2 of the settlement condition information table 306, the accumulated point number is calculated, and this is stored in the settlement simulation table, and then the settlement content is calculated from the electronic money balance. Is subtracted (step s639). If the subtraction result is negative (step s640: Yes), the shortage amount is saved (step s641), and a settlement method for settlement of the remaining amount as the remaining portion of the settlement content is further searched.

  Here, when the second settlement priority of the ranked settlement methods is also electronic money (step s644: Yes), the same processing is performed from the above steps s645 to 650, and this is repeated until there is no ranked settlement method ( Steps s642 and s651: No).

  Specifically, it is determined whether or not the payment method ranked second in the payment priority of the payment methods rearranged up to step s635 is electronic money (steps s643 and 644).

  When the second ranked payment method is electronic money (step s644: Yes), the electronic money balance is read from the non-contact IC chip 220 of the mobile phone 10 (step s646), and the read balance and electronic money are read out. The money name is stored in the settlement simulation table (step s645).

  Further, the point grant rate of the electronic money is searched from the point grant rate 3062-2 of the settlement condition information table 306, the cumulative number of points is calculated and stored in the settlement simulation table (step s647), and then the electronic money is collected. The purchase amount is subtracted from the balance (step s648). If the subtraction result is negative (step s649: Yes), the deficient amount is stored (step s650).

  When the payment method ranked as the highest priority is not electronic money (step s636a: No), the payment method ranked as the highest priority is electronic money, but the payment method ranked second is the electronic money. Otherwise (step s644: No), and as shown in FIG. 23, and when the settlement method of the order is credit (step s652: Yes), the purchase amount and the shortage amount, and the credit settlement method are stored in the settlement simulation table. Save (step s653).

  Then, the point granting rate of the relevant credit settlement is searched from the point granting rate 3062-2 in the settlement condition information table 306, the cumulative number of points is calculated from the point granting rate, and stored in the settlement simulation table (step s654).

  Further, when the payment method with the highest priority or the second ranking is not electronic money, and the payment method with the ranking is not credit (step s652: No), the point grant rate 3062 in the payment condition information table 306 is given. The point grant rate of the corresponding settlement is searched from 2, and the cumulative number of points is calculated from the point grant rate and stored in the settlement simulation table (step s655).

  As described above, the control unit 201 functioning as a settlement method determination unit does not have the highest priority when the remaining amount is insufficient in the settlement process using the highest priority settlement method (for example, electronic money A). In combination with the payment method ranked first, the payment contents such as one purchase amount can be combined and processed.

  Even if the payment method with credit is the highest priority, if the credit amount of credit is lower than the payment details and payment processing is not possible, or if the credit payment limit per transaction is lower than the payment details and payment processing is not possible Even in such a case, the settlement contents that can be settled by credit and the settlement contents that are not the highest priority such as electronic money may be combined and the settlement contents such as one purchase amount may be combined.

  Further, as shown in FIG. 24, the control unit 201 functioning as a payment method determination unit is in a non-contact IC chip 220 of the mobile phone 10 other than the payment method on the temporarily stored payment simulation table. The payment method is searched, and the accumulated point number of the corresponding payment method is read from the mobile phone 10 (step s656).

In addition, the control unit 201 functioning as an accumulated point determination unit determines the difference between the product exchange expiration point of the payment method and the read point accumulated number from the payment condition information table 306 for the payment method read from the mobile phone 10 in step s656. Is stored in a separate settlement simulation table, and the expiration date is also stored (step s657), the settlement simulation table and the separate settlement simulation table are displayed, and a settlement method confirmation screen 104e as a point determination result notifying means (FIG. 16). (E)) is displayed on the screen of the automatic transaction apparatus 101 (step s658).
Note that the separate settlement simulation table is a table that temporarily stores simulation results in the memory constituting the control unit 201.

  When the “settlement” button displayed on the settlement method confirmation screen 104e is pressed (step s659: Yes), the accumulated points are calculated for each settlement method stored in the settlement simulation table, and the settlement condition information table 306 is updated. The difference from the number of exchange points, the expiration date of the settlement method, and the settlement result (settlement method and settlement amount) are displayed on the settlement completion screen 104f (FIG. 16F) (step s660).

When the neighboring settlement available store display button is pressed on the settlement completion screen 104f (step s661: Yes), the neighboring member store name registered in the settlement condition information table 306 is displayed for each settlement method stored in the settlement simulation table. The neighboring member store name display screens 104g, 104g 'and the credit settlement-enabled neighboring store display screen 104h (FIGS. 17A, 17B, and 17C) are displayed (step s662).
The neighboring member store name display screens 104g and 104g ′ and the credit settlement available neighboring store display screen 104h function as other settlement processing device notification means.

  When the map button displayed for each display store on the neighboring member store name display screens 104g, 104g ′ and the credit settlement-enabled neighboring store display screen 104h is pressed (step s663: Yes), a map of the corresponding store is displayed (step s664).

  Further, when the “settlement with another payment method” button for settlement with another payment method as another settlement method selection means is pressed on the settlement method confirmation screen 104e (FIG. 16E) (step s659: No) As shown in FIG. 26, the separate settlement selection screen 104i (FIG. 17 (d)) on which the separate settlement simulation table is displayed is displayed (step s665).

  When the settlement method displayed on the separate settlement selection screen 104i is selected (step s666), the next separate settlement confirmation screen 104j (FIG. 17 (e)) is displayed. When the “settlement” button is pressed on this separate settlement confirmation screen 104j and settlement is made with the selected settlement method (step s667: Yes), the point grant rate of the corresponding settlement method is read from the settlement condition information table 306, the points are calculated, The accumulated point is added and the addition result is written in the non-contact IC chip 220 of the mobile phone 10 (step s669). If no settlement is made (step s667: No), the process returns to the separate settlement selection screen 104i that is the previous screen (step s668).

  The control unit 201 functioning as the accumulated point determination unit determines whether the accumulated point added after step s669 has reached the exchange point in the settlement condition information table 306, and when it has not reached the exchange point (step s670: No). ), The settlement amount, the accumulated points, and the point expiration date are displayed (step s671), and the process ends.

  If the exchange point has been reached (step s670: Yes), the settlement amount, the accumulated points, the point expiration date, and the point exchange product name are displayed. If the exchange product name is a gift certificate, another settlement with a print button is displayed. The completion notification screen 104k (FIG. 17 (f)) is displayed (step s672).

  When the gift certificate print button is pressed on the separate settlement completion notification screen 104k (step s673: Yes), the gift certificate is printed, the exchange point number is subtracted from the accumulated point number, and the contactless IC chip of the mobile phone 10 is obtained. The subtraction result is written in 220 (step s674). When not printing (step s673: No), it ends as it is.

  As described above, the mobile phone 10 of the payment processing system configured by the mobile phone 10 that records the payment method data related to the payment method and the automatic transaction apparatus 101 that communicates with the mobile phone 10 and performs the payment processing by the payment method. A payment method data storage area 307 for recording payment method data such as a balance of electronic money relating to a plurality of payment methods, and a plurality of payment methods such as “point grant rate” and “use shop” in the payment process. And a priority order setting area 308 for recording priority condition information relating to priority conditions to be ranked by priority items, and the automatic transaction apparatus 101 includes a “point grant rate” in the priority items for each settlement method. The payment condition information table 306 for recording payment condition information related to the payment conditions such as Based on the contactless IC reader / writer 106 for acquiring the method information and the priority condition information, the payment condition information, and the payment method information and the priority condition information acquired by the contactless IC reader / writer 106. The control unit 201 functions as a payment method determination unit that ranks payment methods and determines a payment method for payment processing. The priority condition information includes a priority order related to payment conditions, and the control unit 201 includes: The payment condition information for the payment method information acquired by the non-contact IC reader / writer 106 is acquired from the payment condition information table 306, and the payment condition of the payment condition information is the priority order of the priority condition information. By ranking each of the payment method information and determining a payment method for payment processing, Use person using the mobile telephone 10 in which a plurality of valuable payment information is stored, it is possible to perform the settlement processing of a valid payment method in the settlement process.

  Specifically, since a payment method for ranking and processing a plurality of payment methods according to a desired priority item can be automatically determined, the user can easily perform payment processing with a useful payment method without hesitation.

  In addition, since the payment conditions determined by the payment provider such as the point grant rate and the point expiration date are recorded in the payment condition information table 306 of the automatic transaction apparatus 101, it is possible to easily perform payment processing with the latest payment conditions. it can.

  Specifically, if the payment conditions determined by the payment provider are recorded in the mobile phone 10 owned by the user and a plurality of payment methods are ranked, they are recorded in the user's mobile phone 10. In order to update the existing payment conditions to the latest payment conditions, it is necessary for the user to individually perform an update operation, which is troublesome for the user.

  Moreover, if the payment conditions of the mobile phone 10 are not updated, the payment conditions when ranking the payment methods may be different from the payment conditions at the time of actual payment processing. However, with the above-described configuration, for example, the payment conditions recorded in the payment condition information table 306 of the automatic transaction apparatus 101 can be updated all at once using the communication unit 108 or the like. Further, since the latest settlement conditions can be updated without bothering the user, convenience is improved and user satisfaction can be improved.

  In the ordering of payment methods in the payment process, a priority setting area 308 for recording priority condition information is used as a basis for priority conditions, and individual priority condition groups 312 for recording a plurality of individual priority condition information with different priority items. And an overall priority table 311 that records overall priority condition information for prioritizing these individual priority conditions themselves, and the settlement methods ranked based on the individual priority condition information are in the same order. Then, the configuration is such that ranking is performed based on the individual priority condition information in the priority items of the next order based on the overall priority condition information. As a result, for example, when it is not possible to rank the payment method with a desired priority item, it is possible to rank with the next desired priority item, thereby realizing a payment process with a more useful payment method by the user. be able to.

Furthermore, in the settlement process with a certain settlement amount, the control unit 201 functioning as a settlement method determination unit performs settlement processing from the settlement method with the highest priority on the settlement contents, and in the settlement process, the credit amount and the remaining amount of electronic money If the remainder occurs in the amount of payment based on, with the construction that allows the combination settlement process of the settlement process in the following order of payment, the user such that can not be utilized desired payment by insufficient funds This reduces the possibility of payment processing using a payment method that is disadvantageous to the customer.

  In addition, the settlement method determined on the operation unit 104 of the automatic transaction apparatus 101 is displayed on the settlement method confirmation screen 104e, and includes a “pay with another payment method” button for instructing a settlement process with a different settlement method, As shown in the separate settlement selection screen 104i, it is possible to select the settlement method including the settlement method that has not been displayed on the settlement method confirmation screen 104e as the determined settlement method, so that the ranking by the desired priority item is not performed. As a result, it is possible to perform a payment process using a payment method that could not be selected. Therefore, the range of selection of the payment method based on the judgment of the user widens, and the satisfaction of the user is improved.

  In addition, the payment method data of the payment method that has not been ranked once is discarded, and the payment method data of the payment method that has not been ranked in the mobile phone 10 after the user gives an instruction for processing with another payment method. As a result, the memory constituting the control unit 201 can be spared and other processing speeds can be improved compared to the case where the settlement method data related to the settlement methods that have not been ranked are held. Can be planned.

  In addition, in order to determine whether or not the accumulated points have reached the number of points that can be treated according to the points granted based on the granted point rate information by executing the settlement process, It is possible to confirm that the exchange points have been reached, and the convenience for exchanging the accumulated points for products is improved.

  In addition, even if points are not given by the payment process, even if the exchange points are not reached, it is possible to display nearby stores where payment is possible, so that users can accumulate points for users who have points close to exchange points. Becomes easy. Furthermore, the possibility of settlement transactions is improved for nearby settlement-enabled stores.

  In addition, this invention is not limited only to the structure of the above-mentioned embodiment, Many embodiments can be obtained.

The conceptual diagram of a payment processing system. The block diagram of a configuration of an automatic transaction apparatus and a mobile phone equipped with a non-contact IC chip. The block diagram regarding a software / data structure. The data block diagram of a priority condition table. The data block diagram of a priority condition table. A specific example of a data configuration diagram of a priority condition table. Priority condition setting screen for mobile phone with contactless IC chip. Priority condition setting screen for mobile phone with contactless IC chip. A specific example of a data configuration diagram of a priority condition table. Priority condition setting screen for mobile phone with contactless IC chip. Priority condition setting screen for mobile phone with contactless IC chip. The data block diagram of a payment condition information table. The example of a data block diagram of a payment condition information table. The example of a data block diagram of a payment condition information table. The data block diagram of a priority address reference table. A display screen displayed on the operation unit in the settlement process. A display screen displayed on the operation unit in the settlement process. The flowchart of a payment process. The flowchart of a payment process. The flowchart of a payment process. The flowchart of a payment process. The flowchart of a payment process. The flowchart of a payment process. The flowchart of a payment process. The flowchart of a payment process. The flowchart of a payment process. The flowchart of a payment process.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... Non-contact IC chip mobile phone 101 ... Automatic transaction apparatus 104 ... Operation part 106 ... Non-contact IC reader / writer 201 ... Control part 222 ... Recording part 306 ... Settlement condition information table 307 ... Settlement data storage area 308 ... Priority order setting area 311 ... Overall priority table 312 ... Individual priority condition group

Claims (5)

A payment processing system comprising a payment recording medium that records information relating to a payment method, and a payment processing device that communicates with the payment recording medium and performs payment processing by the payment method;
In the payment recording medium,
A payment method information recording unit for recording payment method information regarding a plurality of payment methods;
In the payment process, a priority order for ranking the plurality of payment methods by a desired priority item is included, and a plurality of pieces of individual priority condition information having different priority items as a basis of priority conditions, A medium recording means having a priority condition recording unit for recording priority condition information composed of overall priority condition information for prioritizing the conditions themselves ;
In the payment processing device,
Payment condition recording means for recording payment condition information relating to payment conditions in the priority item for each payment method;
Medium recording information acquisition means for acquiring the payment method information and the priority condition information from the payment recording medium;
The payment condition information for each payment method is acquired from the payment condition recording unit, and the acquired payment condition information, the payment method information and the priority condition information acquired by the medium recording information acquisition unit The settlement methods are ranked so that the settlement conditions of the settlement condition information are in the priority order of the priority condition information, and the settlement methods ranked based on the individual priority condition information are the same. If it is a rank, the payment method determining means ranks based on the individual priority condition information in the priority item of the next rank based on the overall priority condition information, and determines a payment method for payment processing,
The settlement method determining means is:
Allow settlement processing from a settlement method with a high priority for settlement contents, and allow a combined settlement process in which settlement processing is performed with a settlement method different from the determined settlement method when a remaining portion occurs in the settlement contents in the settlement process With composition,
The payment processing device further includes:
A determination result display means for displaying the payment method determined by the payment method determination means;
A separate settlement method selection means that can arbitrarily select a settlement method different from the settled settlement method, including the settlement method that is not displayed in the result display in the decision result display means, and that can instruct settlement processing; A payment processing system. The payment method information comprises cumulative point number information for each payment method related to the cumulative point number given to the user,
In the payment condition information, the payment point rate information for each payment method regarding the point rate given according to the content of the payment, and the number of points that can be received for each payment method related to the number of points that can be treated ,
In the payment processing device,
Accumulated point determination means for determining whether or not the accumulated points have reached the number of points that can be treated by the points granted based on the granted point rate information by executing the settlement process;
The settlement processing system according to claim 1 , further comprising a point determination result notifying unit that notifies a determination result by the cumulative point determining unit. With a plurality of the payment processing devices,
In the payment processing device,
Possible payment method information recording means for recording possible payment method information related to payment methods that can be processed by each payment processing device;
A payment method in which, when the accumulated point determination means determines that the accumulated point has not reached the number of points that can be treated, the point is given based on the payment condition information and the possible payment method information. The payment processing system according to claim 2 , further comprising: another payment processing device notifying unit capable of notifying other payment processing devices capable of performing the payment processing. A payment processing method using a payment recording medium that records information related to a payment method, and a payment processing device that communicates with the payment recording medium and performs payment processing by the payment method,
A payment method information recording unit for recording payment method information relating to a plurality of payment methods, and a priority order for ranking the plurality of payment methods according to a desired priority item in the payment process ; Medium recording comprising a plurality of individual priority condition information having different priority items and a priority condition recording unit for recording priority condition information composed of overall priority condition information for prioritizing the individual priority conditions themselves A medium recording information acquisition step for acquiring the payment method information and the priority condition information from the payment recording medium comprising means;
From the payment condition recording means provided in the payment processing apparatus, obtaining payment condition information related to the payment conditions in the priority item for each of the payment methods,
Based on the acquired payment condition information, and the payment method information and the priority condition information acquired by the medium record information acquisition means, the payment conditions of the payment condition information become the priority order of the priority condition information. When each payment method is ranked and the payment methods ranked based on the individual priority condition information have the same rank, the individual priority conditions in the priority items of the next order based on the overall priority condition information A payment method determining step for ranking based on the information and determining a payment method for payment processing;
The settlement method determination step includes:
The determined settlement method is displayed by the determination result display means,
When payment processing is performed from a payment method having a high priority with respect to the payment content, and there is a remaining part in the payment content in the payment processing,
The settlement method selecting means can arbitrarily select a settlement method different from the determined settlement method, including the settlement method that is not displayed in the result display in the decision result display means,
A payment processing method that allows the combination payment processing of the remaining portion by the selected payment method. A payment method information recording unit for recording payment method information relating to a plurality of payment methods, and a priority order for ranking the plurality of payment methods according to a desired priority item in the payment process ; Medium recording comprising a plurality of individual priority condition information having different priority items and a priority condition recording unit for recording priority condition information composed of overall priority condition information for prioritizing the individual priority conditions themselves Medium recording information acquisition means for acquiring the payment method information and the priority condition information from a payment recording medium comprising means;
Payment condition recording means for recording payment condition information relating to payment conditions in the priority item for each payment method;
The payment condition information for each payment method is acquired from the payment condition recording unit, the acquired payment condition information, the payment method information and the priority condition information acquired by the medium recording information acquisition unit, The settlement methods are ranked so that the settlement condition of the settlement condition information is the priority of the priority condition information, and the settlement methods ranked based on the individual priority condition information are If they are in the same order, ranking based on the individual priority condition information in the priority item of the next order based on the overall priority condition information, and a payment method determining means for determining a payment method for payment processing,
Payment processing is performed from a payment method with a high priority on the payment content by communicating with the payment recording medium, and when a remaining portion is generated in the payment content in the payment processing, payment is performed with a payment method different from the determined payment method. Allow combination settlement processing to be processed,
A determination result display means for displaying the payment method determined by the payment method determination means;
A separate settlement method selection means that can arbitrarily select a settlement method different from the settled settlement method, including the settlement method that is not displayed in the result display in the decision result display means, and that can instruct settlement processing; A payment processing apparatus provided.

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