JP5207284B2 - Payment system and non-contact IC compatible processing device - Google Patents

Description

  The present invention relates to a settlement system and a contactless IC compatible processing apparatus.

In recent years, with the progress of cashlessness and the spread of electronic money, a system that performs payment processing accompanying the provision of products and services using non-contact IC media having a readable / writable IC (Integrated Circuit) chip has become widespread. ing. In such a system, wireless communication is generally performed in a non-contact state with respect to a non-contact IC medium, information stored in an IC chip inside the non-contact IC medium is read, or new information is stored in the IC chip. A non-contact reader / writer for writing is used (for example, see Patent Document 1).
The non-contact reader / writer described in Patent Document 2 is a portable non-contact reader / writer capable of wireless communication with a host device such as a host computer.

FIG. 12 is a sequence diagram showing processing between the non-contact reader / writer 400 and the non-contact IC medium 500.
Here, the payment apparatus 200 including the non-contact reader / writer 400 includes a payment control unit 300. Further, the sequence shown in FIG. 10 is a sequence showing a settlement process using prepaid (fee prepaid) electronic money. Note that the payment amount is input to the payment apparatus 200 in advance.

  When the payment control unit 300 starts the payment process, it outputs a card detection request command to the non-contact reader / writer 400 (step S801). The non-contact reader / writer 400 transmits the card detection request command to the non-contact IC medium 500 to start card detection (step S802).

  When the non-contact IC medium 500 is held over the non-contact reader / writer 400, a card detection command response is transmitted from the non-contact IC medium 500 to the non-contact reader / writer 400 (step S803). When receiving the card detection command response, the non-contact reader / writer 400 outputs the card detection command response to the payment control unit 300 (step S804). When the card detection command is input as a response, the settlement control unit 300 next performs a card information acquisition process. That is, the settlement control unit 300 outputs a card information acquisition request command to the non-contact reader / writer 400 (step S805). The non-contact reader / writer 400 transmits the card information acquisition request command to the non-contact IC medium 500 (step S806).

  When the card information acquisition request command is received, the non-contact IC medium 500 transmits the card information to the non-contact reader / writer 400 (step S807). The card information includes a card ID that is unique identification information, a balance amount that is an amount that can be settled, and the like. The non-contact reader / writer 400 outputs the card information to the payment control unit 300 (step S808).

  When the card information is input, the payment control unit 300 starts calculation (step S809). Specifically, the settlement control unit 300 calculates the balance amount after settlement by subtracting the settlement amount from the received balance amount. Next, the settlement control unit 300 outputs a calculation result write request command to the non-contact reader / writer 400 (step S810). The calculation result write request command includes the settlement amount and the calculated balance amount.

The non-contact reader / writer 400 transmits a write request command to the non-contact IC medium 500 (step S811). The write request command includes the input settlement amount and the balance amount after settlement.
When the received balance amount and settlement amount are written in the IC chip, the non-contact IC medium 500 transmits a write completion command response to the non-contact reader / writer 400 (step S812). The non-contact reader / writer 400 outputs the write completion command response to the settlement control unit 300 (step S813).

  When the write completion command is input as a response, the settlement control unit 300 outputs a card information acquisition request command to the non-contact reader / writer 400 in order to confirm the result written in the IC chip of the non-contact IC medium 500 ( Step S814). When the card information acquisition request command is input, the non-contact reader / writer 400 transmits the card information acquisition request command to the non-contact IC medium 500 (step S815). When receiving the card information acquisition request command, the non-contact IC medium 500 transmits the card information (step S816). When the card information is received from the non-contact IC medium 500, the non-contact reader / writer 400 outputs the card information to the settlement control unit 300 (step S817). When the card information is input, settlement control unit 300 compares the results (step S818). Specifically, the settlement control unit 300 determines whether or not the input balance amount is equal to the balance amount calculated in step S810. If equal, it is determined that the process has been completed normally, and the settlement process is completed (step S819).

FIG. 13 is a sequence diagram illustrating a recovery process when a timeout occurs during the payment process. The same processes as those in the sequence of FIG. Explanation of these same processes is omitted.
In step S810 and S811, after the write request command is transmitted from the non-contact reader / writer 400, the non-contact IC medium 500 is removed from the non-contact reader / writer 400. If the write completion command response is not notified to 400, the settlement control unit 300 determines a response timeout (step S901).

  If it is determined that the response has timed out, the settlement control unit 300 performs re-holding request processing. That is, the payment control unit 300 outputs the card detection request command again to the non-contact reader / writer 400 (step S902). When the card detection request command is input, the non-contact reader / writer 400 transmits the card detection request command to the non-contact IC medium 500 and starts card detection (step S903).

  When the non-contact IC medium 500 is again held over the non-contact reader / writer 400 and a card detection command response is transmitted from the non-contact IC medium 500 to the non-contact reader / writer 400 (step S904), the non-contact reader / writer 400 A card detection command response is output to the payment control unit 300 (step S905). When the card detection command is input as a response, the settlement control unit 300 outputs a card information acquisition request command to the non-contact reader / writer 400 (step S906). This is for determining whether or not the balance amount has been normally written in the non-contact IC medium 500. The non-contact reader / writer 400 transmits the card information acquisition request command to the non-contact IC medium 500 (step S907).

  When the card information acquisition request command is received, the non-contact IC medium 500 transmits the card information to the non-contact reader / writer 400 (step S908). The non-contact reader / writer 400 outputs the card information to the payment control unit 300 (step S909).

When the card information is input, the settlement control unit 300 determines the continuation process based on the input balance amount (step S910). Specifically, it is determined whether or not the acquired balance amount is equal to the balance amount calculated in step S809. If they are equal, the settlement process is completed.
If the balance amounts are not equal, it is determined that the processing is continued, and the settlement control unit 300 outputs the calculation result write request command transmitted in step S810 to the non-contact reader / writer 400 again (step S911).

  When the calculation result write request command is input, the non-contact reader / writer 400 transmits the write request command to the non-contact IC medium 500 (step S912). The non-contact IC medium 500 writes the received balance amount to the internal IC chip, and transmits a write completion command response to the non-contact reader / writer 400 (step S913). The non-contact reader / writer 400 outputs the write completion command response to the settlement control unit 300 (step S914).

  When the write completion command is input as a response, the settlement control unit 300 outputs a card information acquisition request command to the non-contact reader / writer 400 in order to confirm the result written in the IC chip of the non-contact IC medium 500 ( Step S915). When the card information acquisition request command is input, the contactless reader / writer 400 transmits the card information acquisition request command to the contactless IC medium 500 (step S916). When the card information acquisition request command is received, the non-contact IC medium 500 transmits the card information to the non-contact reader / writer 400 (step S917). When the card information is acquired from the non-contact IC medium 500, the non-contact reader / writer 400 outputs the card information to the settlement control unit 300 (step S918). When the card information is input, the settlement control unit 300 compares the results (step S919). Specifically, the settlement control unit 300 determines whether or not the balance amount included in the input card information is equal to the balance amount calculated in step S809. If equal, it is determined that the process has been completed normally, and the settlement process is completed (step S920).

In this way, the settlement apparatus 200 restores the settlement process when the settlement process is interrupted, for example, when the contactless IC media 500 is removed from the contactless reader / writer 400 during the settlement process.
JP 2007-157177 A JP 2007-241488 A

By the way, in restaurants and the like, there is a desire to perform settlement processing at a passenger seat, and the demand for portable non-contact reader / writers is increasing. However, the stationary non-contact reader / writer described in Patent Document 1 is It is connected to host devices such as POS (Point Of Sales) registers and CAT (Credit Authorization Terminal) and operates by exchanging monetary data, payment conditions, aggregated data, etc. with these host devices, so it must be kept at a cash register. There is a problem that must be.
In addition, the portable non-contact reader / writer described in Patent Document 2 requires an amount processing function equivalent to that of a stationary non-contact reader / writer and a wireless communication function for communicating with a host device, which is expensive. There is a problem.
The present invention has been made in view of the above points, and an object thereof is to eliminate the need for a monetary processing function and a communication function with a host device, and to simplify communication between a non-contact reader / writer and a non-contact IC medium. An object of the present invention is to provide an inexpensive portable non-contact IC compatible processing device and a settlement processing system using the non-contact IC compatible processing device.

The present invention has been made to solve the above-described problems, and one aspect of the present invention is that payment processing is performed by a payment device having a contactless reader / writer and a postpaid contactless IC media that holds media information. A payment system that includes a non-contact IC-compatible processing device, wherein the non-contact IC-compatible processing device transmits and receives data to and from the non-contact reader / writer, and the non-contact IC. A second transmission / reception means for transmitting / receiving data in a contactless manner with a medium; responding to temporary media information in response to a media information acquisition request received from the payment apparatus; temporarily storing payment information received from the payment apparatus; The media information of the contactless IC media is updated based on the media information received from the contactless IC media and the payment information, and the updated media Control means for temporarily storing information and transmitting the updated media information to the settlement apparatus, wherein the settlement apparatus uses the temporary media information received from the non-contact IC compatible processing apparatus for settlement. A payment system characterized by generating information.

  One embodiment of the present invention is characterized in that, in the settlement system, the first transmission / reception means and the second transmission / reception means are configured by one non-contact communication interface.

  Further, according to an aspect of the present invention, in the payment system, the payment apparatus transmits a write request, and when there is no response, the payment process is temporarily suspended while maintaining the processing state, and the control unit Does not return a response to the first write request received from the payment device before communicating with the non-contact IC media, but responds to the second write request received from the payment device after communicating with the non-contact IC media. It is characterized by returning.

  According to another aspect of the present invention, in the above payment system, the control unit switches between a media state that communicates with a non-contact reader / writer and a reader / writer state that communicates with a non-contact IC medium. .

  In addition, according to one aspect of the present invention, in the payment system, the control unit switches a state in accordance with a user operation.

  In addition, according to an aspect of the present invention, in the above payment system, when the payment apparatus is restarted after the payment processing is interrupted, the identification number of the media information received before the restart matches the identification number of the media information received after the restart. The control unit restarts the payment process only when they match, and the control unit retransmits the temporary media information transmitted before the payment process is interrupted when the payment device restarts the payment process. It is characterized by doing.

One embodiment of the present invention is a non-contact IC-compatible processing apparatus applicable to a payment apparatus having a non-contact reader / writer and a payment system in which payment processing is performed by a postpaid non-contact IC medium that holds media information. A first transmission / reception means for transmitting / receiving data without contact with the non-contact reader / writer; a second transmission / reception means for transmitting / receiving data without contact with the non-contact IC medium; and a medium received from the settlement apparatus. Temporary media information is responded to the information acquisition request, the payment information received from the payment device is temporarily stored, and the media of the contactless IC media is based on the media information received from the contactless IC media and the payment information. Control means for updating information, temporarily storing the updated media information, and transmitting the updated media information to the settlement apparatus A non-contact IC corresponding processing apparatus characterized by having a.

  According to another aspect of the present invention, in the above non-contact IC-compatible processing device, the first transmission / reception unit and the second transmission / reception unit are configured by a single non-contact communication interface. .

  Further, according to one aspect of the present invention, in the above non-contact IC compatible processing apparatus, the control unit does not return a response to the first write request received from the settlement apparatus before communicating with the non-contact IC medium. A response is returned to the second write request received from the settlement apparatus after communicating with the non-contact IC medium.

  In one embodiment of the present invention, in the above non-contact IC compatible processing device, the control unit switches between a media state communicating with a non-contact reader / writer and a reader / writer state communicating with a non-contact IC medium. It is characterized by.

  One embodiment of the present invention is characterized in that, in the non-contact IC-compatible processing apparatus, the control unit switches a state in accordance with a user operation.

  Further, according to one aspect of the present invention, in the above non-contact IC-compatible processing device, when the payment device restarts the payment processing, the temporary media information transmitted before the payment processing is interrupted is transmitted again. To do.

  According to the present invention, the non-contact IC compatible processing device acquires the payment information from the payment device, and updates the media information of the non-contact IC media based on the payment information, whereby the payment processing with the non-contact IC media is performed. To complete. In addition, the non-contact IC compatible processing device acquires the media information from the non-contact IC media and transmits the media information to the payment device, thereby completing the payment processing of the payment device. Payment processing between IC media can be relayed. Further, a complicated monetary amount processing function and a communication function with a host device are not required. Accordingly, it is possible to provide a simple and inexpensive portable non-contact IC compatible processing device and a settlement system using the non-contact IC compatible processing device.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a block diagram showing a configuration of a payment system according to an embodiment of the present invention. The payment system includes a contactless IC compatible processing device 1 that relays payment processing between the payment device 2 and the contactless IC media 5, a payment device 2 that performs payment processing, and a contactless IC media 5. The

The non-contact IC medium 5 is a non-contact IC card that has an IC chip having a CPU (Central Processing Unit), a RAM (Random Access Memory), a ROM (Read Only Memory), etc., and is capable of non-contact wireless communication. . The non-contact IC medium 5 stores media information. In this embodiment, the media information is card information. The card information includes a card ID, which is unique identification information, and balance information of electronic money.

  In the present embodiment, the contactless IC media 5 is an IC card. However, the contactless IC media 5 is a contactless IC media having a contactless IC chip, such as a mobile phone, a PDA (Personal Digital Assistant), and other dedicated communication terminals. It only needs to be an IC card. The media information may be information on non-contact IC media having a non-contact IC chip such as card information, mobile phone information, PDA information, and other dedicated communication terminals.

FIG. 2 is a block diagram illustrating a configuration of the non-contact IC-compatible processing apparatus 1 according to the present embodiment.
The non-contact IC-compatible processing device 1 in this embodiment is a device that performs prepaid electronic money settlement processing. The non-contact IC compatible processing device 1 includes a display unit 11, an optical MMI unit 12, a sound MMI unit 13, an antenna unit 14 that performs wireless communication with the settlement device 2 and the non-contact IC medium 5, and a non-contact IC compatible process. An operation unit 15 that operates the device 1, a wireless transmission unit 16 that transmits information via the antenna unit 14, a wireless reception unit 17 that receives information via the antenna unit 14, and the non-contact IC-compatible processing device 1. A control unit 18 (that is, control means) that performs overall control, a storage unit 19 that stores settlement information, and a power supply unit 20 that includes a battery that supplies power to each unit are configured.

  Here, in the following description, the processing operation in which the non-contact IC-compatible processing device 1 transmits and receives data to and from the non-contact reader / writer 4 is the first transmission / reception means. The processing operation for transmitting / receiving data without contact between them is the second transmitting / receiving means.

  The display unit 11 displays the payment amount and the state of the non-contact IC compatible processing device 1. The optical MMI unit 12 emits light to prompt the user to perform an operation. Alternatively, the optical MMI unit 12 displays the non-contact processing state by emitting light in an easy-to-understand manner in order to notify the user of the non-contact processing state. The sound MMI unit 13 outputs a sound to explain the process to the user. Alternatively, the sound MMI unit 13 outputs and expresses the non-contact processing state in an easy-to-understand manner in order to notify the user of the non-contact processing state.

  Here, the non-contact IC compatible processing device 1 may have only a non-contact communication interface (antenna unit 14, wireless transmission unit 16, wireless reception unit 17). The function to collect and deliver logs is no longer required. For this reason, the non-contact IC-compatible processing apparatus 1 has a simple configuration. Note that the information stored in the storage unit 19 can be acquired only via the non-contact communication interface.

FIG. 3 is a sequence diagram showing processing between the non-contact IC compatible processing device 1, the settlement device 2, and the non-contact IC medium 5 in the present embodiment.
The settlement apparatus 2 includes a settlement control unit 3 that controls settlement processing and a contactless reader / writer 4 that communicates with the contactless IC compatible processing apparatus 1. When a response timeout occurs during the settlement process, the settlement apparatus 2 performs a settlement process recovery process. Specifically, the settlement apparatus 2 determines whether the contactless IC media 5 has been removed after receiving the write request command or whether it has been removed before receiving it, and when it is removed before receiving it. Transmits the write request command again to complete the settlement process. The non-contact IC-compatible processing apparatus 1 of the present invention is an apparatus that temporarily buffers the communication contents between the settlement apparatus 2 and the non-contact IC medium using this restoration process.

  When the settlement apparatus 2 starts the settlement process, the settlement apparatus 2 starts detection of the non-contact IC-compatible processing apparatus 1. When the non-contact IC-compatible processing device 1 is held over the non-contact reader / writer 4, the settlement device 2 detects the non-contact IC-compatible processing device 1 and performs the following processing. Note that a payment amount is input to the payment apparatus 2 in advance.

  The settlement control unit 3 outputs a card information acquisition request command to the non-contact reader / writer 4 (step S1). The non-contact reader / writer 4 transmits the card information acquisition request command to the non-contact IC compatible processing device 1 (step S2).

  When the card information acquisition request command is received, the non-contact IC-compatible processing device 1 transmits temporary information (that is, temporary card information) to the non-contact reader / writer 4 (step S3). The temporary information transmitted here includes an identification number that uniquely identifies the non-contact IC-compatible processing device 1, an amount limit value for electronic money, and the like. The non-contact reader / writer 4 outputs the temporary information to the settlement control unit 3 (step S4).

  When the temporary information is input, the settlement control unit 3 starts calculation (step S5). Specifically, the balance amount after settlement is calculated by subtracting the settlement amount from the amount frame upper limit value included in the provisional information. Next, the settlement control unit 3 outputs a calculation result write request command to the non-contact reader / writer 4 (step S6). The calculation result write request command includes the settlement amount (that is, settlement information) and the calculated balance amount after settlement. When the calculation result write request command is received, the non-contact reader / writer 4 transmits the write request command to the non-contact IC compatible processing device 1 (step S7). The write request command includes the input settlement amount and the balance amount after settlement.

  Here, the non-contact IC-compatible processing apparatus 1 does not return a write completion command response even if it receives a write request command. For this reason, the settlement control unit 3 determines that a response timeout has occurred (step S8), and performs a re-holding request process. That is, the settlement control unit 3 outputs a card detection request command to the non-contact reader / writer 4 (step S9), and the non-contact reader / writer 4 continues to transmit the card detection request command until a card is detected (step S9). S10).

On the other hand, the non-contact IC compatible processing apparatus 1 is removed from the non-contact reader / writer 4. Next, the non-contact IC compatible processing apparatus 1 is in contact with the non-contact IC media 5 and communicates with the non-contact IC media 5.
First, the non-contact IC-compatible processing apparatus 1 transmits a card detection request command to the non-contact IC medium 5 to start card detection (step S11).

  When the non-contact IC medium 5 is held over the non-contact IC compatible processing device 1 and a card detection command response is notified from the non-contact IC medium 5 (step S12), the non-contact IC compatible processing device 1 makes a card information acquisition request. The command is transmitted to the non-contact IC medium 5 (step S13).

  When the card information acquisition request command is received, the non-contact IC medium 5 transmits the card information to the non-contact IC compatible processing device 1 (step S14). The card information includes a card ID that is unique identification information, a balance amount that is an amount that can be settled, and the like. The non-contact IC-compatible processing device 1 calculates the balance amount after settlement from the balance amount and the settlement amount, and transmits a write request command including the balance amount after settlement to the non-contact IC media 5 (step S15). The non-contact IC medium 5 writes the received balance amount in its own IC chip, and when the writing is completed, transmits a write completion command response to the non-contact IC compatible processing device 1 (step S16).

  When receiving the write completion command response, the non-contact IC compatible processing device 1 transmits a card information acquisition request command to the non-contact IC medium 5 in order to confirm the result written in the IC chip of the non-contact IC medium 5. (Step S17). The non-contact IC medium 5 receives the card information acquisition request command and transmits the card information to the non-contact IC compatible processing device 1 (step S18). The non-contact IC-compatible processing device 1 determines whether or not the received balance amount is equal to the balance amount after settlement, and ends communication with the non-contact IC medium 5 if they are equal.

Next, the non-contact IC compatible processing apparatus 1 is held over the settlement apparatus 2 with the non-contact IC media 5 removed. At this time, the settlement apparatus 2 is in a re-holding request process, and the non-contact reader / writer 4 transmits a card detection request command.
When receiving the card detection request command from the non-contact reader / writer 4, the non-contact IC-compatible processing device 1 transmits a card detection command response to the non-contact reader / writer 4 (step S19). When the card detection command response is received from the non-contact IC compatible processing device 1, the non-contact reader / writer 4 outputs the card detection command response to the settlement control unit 3 (step S20). When the card detection command is input as a response, the settlement control unit 3 outputs a card information acquisition request command to the non-contact reader / writer 4 (step S21). The contactless reader / writer 4 that has received the card information acquisition request command transmits the card information acquisition request command to the contactless IC compatible processing apparatus 1 (step S22). The non-contact IC-compatible processing apparatus 1 that has received the card information acquisition request command transmits the temporary information transmitted in step S3 to the non-contact reader / writer 4 (step S23). The non-contact reader / writer 4 outputs the temporary information to the settlement control unit 3 (step S24).

  The settlement control unit 3 makes a continuation process determination based on the provisional information (step S25). Here, the settlement control unit 3 determines whether or not the identification number of the temporary information received in step S4 is equal to the identification number of the temporary information received in step S24, and determines that the process is continued if they are equal. . Further, since the balance amount of the temporary information is equal to the balance amount of the received temporary information, it is determined that the writing has failed. For this reason, the settlement control unit 3 performs the writing process again. That is, the settlement control unit 3 outputs the calculation result write request command transmitted in step S6 to the non-contact reader / writer 4 (step S26). When receiving the calculation result write request command, the non-contact reader / writer 4 transmits the write request command to the non-contact IC-compatible processing apparatus 1 (step S27). When receiving the write request command, the non-contact IC-compatible processing apparatus 1 transmits a write completion command response to the non-contact reader / writer 4 (step S28). The non-contact reader / writer 4 outputs the write completion command response to the settlement control unit 3 (step S29). When the write completion command is input as a response, the settlement control unit 3 outputs a card information acquisition request command to the non-contact reader / writer 4 (step S30). The non-contact reader / writer 4 transmits the card information acquisition request command to the non-contact IC compatible processing device 1 (step S31). The non-contact IC-compatible processing apparatus 1 that has received the card information acquisition request command transmits the card information acquired in step S18 to the non-contact reader / writer 4 (step S32). The non-contact reader / writer 4 outputs the card information to the settlement control unit 3 (step S33). The settlement control unit 3 stores the received card information inside and completes the settlement process (step S34).

  In this way, the non-contact IC-compatible processing device 1 uses the recovery process after the payment device 2 determines that the response time-out has occurred in step S8, to communicate the communication content between the payment device 2 and the non-contact IC media 5. Buffer. Further, since the non-contact IC compatible processing device 1 merely transfers the communication contents between the settlement device 2 and the non-contact IC medium, the monetary processing function and the communication function are unnecessary, and the device is simple and inexpensive. Further, since the processing of the settlement apparatus 2 and the non-contact IC media 5 is the same as that of the prior art, the settlement system using the conventional settlement apparatus 2 and the non-contact IC media 5 can be used as it is.

FIG. 4 is a flowchart showing an example of a processing flow in the non-contact IC-compatible processing apparatus 1 of the present embodiment.
When the power is turned on, the non-contact IC-compatible processing apparatus 1 first enters a media state. The non-contact IC-compatible processing device 1 behaves as a non-contact IC medium and communicates with the non-contact reader / writer 4 in the media state.

  When the non-contact IC compatible processing device 1 is held over the non-contact reader / writer 4, a card detection request command is transmitted from the non-contact reader / writer 4 to the non-contact IC compatible processing device 1 by wireless communication. When receiving the card detection request command (step S101), the non-contact IC-compatible processing device 1 transmits a card detection command response to the non-contact reader / writer 4 (step S102).

  Next, when a card information acquisition request command is received from the non-contact reader / writer 4 (step S103), the non-contact IC compatible processing device 1 transmits temporary information (step S104). The temporary information transmitted here includes an identification number that uniquely identifies the non-contact IC-compatible processing device 1, an amount limit value for electronic money, and the like.

  When a write request command is received from the non-contact reader / writer 4 (step S105), the settlement amount included in the received write request command is stored in the storage unit 19 (step S106). At this time, the non-contact IC-compatible processing apparatus 1 ends the media state without returning a write completion command response to the non-contact reader / writer 4 (step S107).

  Next, the non-contact IC-compatible processing apparatus 1 changes to a reader / writer state (step S108). In the reader / writer state, the non-contact IC compatible processing device 1 behaves as a non-contact reader / writer and communicates with the non-contact IC medium 5.

  When changing to the reader / writer state, the non-contact IC-compatible processing device 1 transmits a card detection request command (step S109). Here, the non-contact IC-compatible processing device 1 continues to transmit the card detection request command until the card detection command response is received (step S110). When the non-contact IC medium 5 is placed over the non-contact IC compatible processing device 1 and a card is detected, the non-contact IC compatible processing device 1 transmits a card information acquisition request command to the non-contact IC medium 5 (step S111). . Here, the non-contact IC-compatible processing device 1 is in a waiting state until card information is received from the non-contact IC medium 5 (step S112). When the card information is received from the non-contact IC medium 5, the non-contact IC-compatible processing device 1 calculates the balance amount after settlement by subtracting the settlement amount from the acquired balance amount (step S113).

The non-contact IC-compatible processing apparatus 1 transmits a write request command including the calculated balance amount after settlement to the non-contact IC medium 5 (step S114). Next, when a write completion command response is received (step S115), the non-contact IC compatible processing device 1 transmits a card information acquisition request command to confirm the result written to the IC chip of the non-contact IC medium 5. (Step S116). Here, the non-contact IC-compatible processing device 1 is in a waiting state until card information is received from the non-contact IC medium 5 (step S117).
When the card information is acquired from the non-contact IC medium 5, the non-contact IC compatible processing device 1 confirms the writing consistency from the acquired information, and ends the reader / writer state (step S118). In the confirmation of writing consistency, the balance amount calculated in step S113 is compared with the received balance amount, and if they are equal, it is determined that the processing has been completed normally.

  Next, the non-contact IC-compatible processing apparatus 1 changes to a media state for communicating with the non-contact reader / writer 4 (step S119). The non-contact IC-compatible processing device 1 is held over the non-contact reader / writer 4 and receives a card detection command command from the non-contact reader / writer 4 by wireless communication (step S120). (Step S121). Next, when the non-contact IC-compatible processing apparatus 1 receives a card information acquisition request command from the non-contact reader / writer 4 (step S122), it transmits temporary information (step S123). The temporary information transmitted here is the same as the temporary information transmitted in step S104. As a result, the settlement apparatus 2 is allowed to resume the settlement process.

  Next, when receiving the write request command from the non-contact reader / writer 4 (step S124), the non-contact IC-compatible processing device 1 transmits a write completion command response to the non-contact reader / writer 4 (step S125). Further, when the card information acquisition request command is received (step S126), the non-contact IC-compatible processing device 1 transmits the card information (step S127). The card information to be transmitted here is the card information received from the non-contact IC medium 5 in step S117. When the card information is transmitted, the non-contact IC-compatible processing device 1 ends the process.

  In the above, the state of the non-contact IC-compatible processing apparatus 1 is automatically changed. However, the operator may change the state with a switch provided in the operation unit 15. Alternatively, the non-contact IC compatible processing device 1 may change the state depending on the communication partner. That is, the non-contact IC compatible processing device 1 changes to the media state when the communication partner is the non-contact reader / writer 4, and changes to the reader / writer state when the communication destination is the non-contact IC medium 5. To do.

  Further, only the operation of the communication process has been described above, but the process of notifying the operator of the state of the non-contact IC compatible processing device 1 in the display unit 11, the optical MMI unit 12, and the sound MMI unit 13 for each operation. You may go. For example, the payment amount may be displayed on the display unit 11 in steps S105 and S118. Further, when the state of the non-contact IC-compatible processing apparatus 1 changes, the state may be displayed on the display unit 11. Further, when the card detection request command is transmitted in step S109, the optical MMI unit 12 may emit light. Alternatively, a specific sound may be output from the sound MMI unit 13 when the settlement process is completed.

FIG. 5 to FIG. 7 are sequence diagrams showing a series of prepaid electronic money settlement processing.
FIG. 5 is a sequence diagram showing processing between the contactless IC compatible processing apparatus 1 and the settlement apparatus 2. A customer who is a user of the non-contact IC media 5 informs the store clerk that he / she pays with the non-contact IC media 5 at a customer seat at the time of settlement at a restaurant or the like. When performing the payment process, the store clerk inputs the payment amount into the payment apparatus 2 and holds the non-contact IC compatible processing apparatus 1 over the non-contact reader / writer 4 of the payment apparatus 2.

The settlement apparatus 2 that has detected the non-contact IC-compatible processing apparatus 1 transmits a card information acquisition request command to the non-contact IC-compatible processing apparatus 1 (step S201). The non-contact IC-compatible processing apparatus 1 that has received the card information acquisition request command transmits temporary information (step S202). The temporary information transmitted here includes an identification number that uniquely identifies the non-contact IC-compatible processing device 1, an amount limit value for electronic money, and the like. Next, the settlement apparatus 2 transmits a write request command to the non-contact IC compatible processing apparatus 1 (Step S203). The write request command includes the settlement amount and the balance amount after settlement. The non-contact IC-compatible processing apparatus 1 stores the received payment amount in the storage unit 19. At this time, the non-contact IC-compatible processing apparatus 1 does not transmit a write completion command response to the settlement apparatus 2 (step S204).
At this time, the settlement apparatus 2 is in an unfinished state and performs a re-holding request process. Further, the non-contact IC compatible processing apparatus 1 ends the media state and changes to the reader / writer state.

FIG. 6 is a sequence diagram showing processing between the non-contact IC compatible processing apparatus 1 and the non-contact IC medium 5. When the process shown in FIG. 5 is completed, the store clerk moves to the passenger seat with the non-contact IC compatible processing device 1 and asks the customer to hold the non-contact IC media 5 over the non-contact IC compatible processing device 1.
When the card is detected, the non-contact IC-compatible processing apparatus 1 transmits a card information acquisition request command to the non-contact IC medium 5 (step S205). The non-contact IC medium 5 that has received the card information acquisition request command transmits the card information to the non-contact IC compatible processing device 1 (step S206). The card information includes a card ID, a balance amount that is an amount that can be settled, and the like. The non-contact IC compatible processing device 1 calculates a balance amount after settlement by subtracting the settlement amount from the received balance amount, and writes a write request command including the balance amount and settlement amount after the settlement to the non-contact IC medium 5. Transmit (step S207). When the non-contact IC medium 5 writes the balance amount and the settlement amount after settlement to the IC chip, the non-contact IC medium 5 transmits a write completion command response to the non-contact IC compatible processing device 1 (step S208). Next, the non-contact IC-compatible processing apparatus 1 transmits a card information acquisition request command to the non-contact IC medium 5 (step S209). The non-contact IC medium 5 transmits the card information to the non-contact IC compatible processing device 1 (step S210). The non-contact IC-compatible processing apparatus 1 determines whether or not the received balance amount is equal to the calculated balance amount. If they are equal, the reader / writer state is ended and the state is changed to the media state.

  FIG. 7 is a sequence diagram showing processing between the contactless IC compatible processing apparatus 1 and the settlement apparatus 2. After the process shown in FIG. 6 is completed, the store clerk holds the non-contact IC compatible processing apparatus 1 over the settlement apparatus 2. At this time, the settlement apparatus 2 is in a state in which a re-holding request is being processed.

  When the payment apparatus 2 detects the card of the non-contact IC compatible processing apparatus 1, the payment apparatus 2 transmits a card information acquisition request command to the non-contact IC compatible processing apparatus 1 (step S211). When receiving the card information acquisition request command, the non-contact IC-compatible processing apparatus 1 transmits temporary information (step S212). The temporary information transmitted here is the same information as the temporary information transmitted in step S202.

  The settlement apparatus 2 determines that the writing has failed because the balance amount of the temporary information received in step S202 is equal to the balance amount of the received temporary information. For this reason, the settlement apparatus 2 performs the writing process again. That is, the settlement apparatus 2 transmits the write request command transmitted in step S203 to the non-contact IC handling processing apparatus 1 (step S213). When receiving the write request command, the non-contact IC-compatible processing apparatus 1 transmits a write completion command response to the settlement apparatus 2 (step S214). Next, in order to confirm the written contents, the settlement apparatus 2 transmits a card information acquisition request command (step S215). The non-contact IC-compatible processing apparatus 1 transmits the card ID received in step S206 and the calculated balance amount (step S216). The settlement apparatus 2 stores the received card ID and the balance amount inside, and completes the settlement process.

  As described above, according to the present embodiment, the non-contact IC compatible processing device 1 uses the recovery process of the payment device 2 to temporarily buffer the payment contents between the payment device 2 and the non-contact IC media 5. The communication between the settlement apparatus 2 and the non-contact IC media can be relayed. Further, the non-contact IC compatible processing device 1 does not need a money amount processing function or a communication function with a host device. Thereby, the simple and inexpensive portable non-contact IC-compatible processing apparatus 1 can be provided, and settlement at a customer seat such as a restaurant can be facilitated.

Next, a non-contact IC-compatible processing apparatus 1 according to the second embodiment of the present invention will be described.
The non-contact IC-compatible processing device 1 according to the present embodiment is a device that performs post-paid (postpaid payment) electronic money settlement processing. Since the configuration of the non-contact IC-compatible processing apparatus 1 is the same as that of the first embodiment, the description thereof is omitted.

FIG. 8 to FIG. 10 are sequence diagrams showing a series of flow of postpaid electronic money settlement processing.
FIG. 8 is a sequence diagram showing processing between the contactless IC compatible processing apparatus 1 and the settlement apparatus 2. A customer who is a user of the non-contact IC media 5 informs the store clerk that he / she pays with the non-contact IC media 5 at a customer seat at the time of settlement at a restaurant or the like. When performing the payment process, the store clerk inputs the payment amount into the payment apparatus 2 and holds the non-contact IC compatible processing apparatus 1 over the non-contact reader / writer 4 of the payment apparatus 2.

The settlement apparatus 2 that has detected the non-contact IC-compatible processing apparatus 1 transmits a card information acquisition request command to the non-contact IC-compatible processing apparatus 1 (step S301). The non-contact IC-compatible processing device 1 that has received the card information acquisition request command transmits temporary information (that is, temporary card information) (step S302). The temporary information transmitted here includes an identification number that uniquely identifies the non-contact IC-compatible processing device 1. Next, the settlement apparatus 2 transmits a history write request command to the non-contact IC compatible processing apparatus 1 (step S303). Here, the history write request command includes a payment amount (that is, payment information) and the like. The non-contact IC-compatible processing apparatus 1 does not transmit a write completion command response to the settlement apparatus 2 even if it receives a history write request command (step S304).
At this time, the settlement apparatus 2 is in an unfinished state and performs a re-holding request process. Further, the non-contact IC compatible processing apparatus 1 ends the media state and changes to the reader / writer state.

FIG. 9 is a sequence diagram showing processing between the non-contact IC compatible processing apparatus 1 and the non-contact IC medium 5. When the processing shown in FIG. 8 is completed, the store clerk moves to the passenger seat with the non-contact IC compatible processing device 1 and asks the customer to hold the non-contact IC media 5 over the non-contact IC compatible processing device 1.
When the card is detected, the non-contact IC-compatible processing apparatus 1 transmits a card information acquisition request command to the non-contact IC medium 5 (step S305). The non-contact IC medium 5 that has received the card information acquisition request command transmits the card information to the non-contact IC compatible processing device 1 (step S306). The card information includes a card number and an expiration date. Next, the non-contact IC-compatible processing device 1 transmits the history write request acquired in step S303 to the non-contact IC medium 5 (step S307). When the contactless IC medium 5 writes the received information in the settlement history of the IC chip, the contactless IC medium 5 transmits a write completion command response to the contactless IC compatible processing apparatus 1 (step S308). Next, the non-contact IC-compatible processing apparatus 1 transmits a card information acquisition request command to the non-contact IC medium 5 in order to confirm the result written in the IC chip of the non-contact IC medium 5 (step S309). The non-contact IC medium 5 transmits the card information to the non-contact IC compatible processing device 1 (step S310). The card information transmitted here includes the payment history stored in the IC chip in addition to the card number and the expiration date. The non-contact IC-compatible processing apparatus 1 determines whether or not the information acquired in step S303 is included in the received payment history, and if included, the reader / writer state is terminated and the medium state is changed.

  FIG. 10 is a sequence diagram showing processing between the non-contact IC compatible processing device 1 and the settlement device 2. After the process shown in FIG. 9 is completed, the store clerk holds the non-contact IC compatible processing apparatus 1 over the settlement apparatus 2. At this time, the settlement apparatus 2 is in a state in which a re-holding request is being processed.

  When the card is detected in the non-contact IC-compatible processing device 1, the settlement apparatus 2 transmits a card information acquisition request command to the non-contact IC-compatible processing device 1 (step S311). When receiving the card information acquisition request command, the non-contact IC-compatible processing device 1 transmits temporary information (step S312). The temporary information transmitted here is the same information as the temporary information transmitted in step S302.

  The settlement apparatus 2 determines that the writing has failed because the received temporary information does not include the information transmitted in step S303. For this reason, the settlement apparatus 2 performs the writing process again. That is, the settlement apparatus 2 transmits the write request command transmitted in step S303 to the non-contact IC compatible processing apparatus 1 (step S313). When the write request command is received, the non-contact IC-compatible processing device 1 transmits a write response command response to the settlement device 2 (step S314). The write response command response includes the card information acquired in step S310. The settlement apparatus 2 stores the received card information inside and completes the settlement process.

  As described above, according to the present embodiment, post-paid electronic money settlement processing can be performed at a customer's seat such as a restaurant using the simple and easy portable non-contact IC-compatible processing device 1.

  The embodiments of the present invention have been described in detail above with reference to the drawings. However, the specific configuration is not limited to the above-described one, and various design changes and the like can be made without departing from the scope of the present invention. Is possible.

For example, in the present embodiment, the contactless IC compatible processing device 1 transmits temporary information in step S23, but the card information received from the contactless IC media 5 is transmitted to the settlement device 2. Also good. At that time, it is necessary for the settlement control unit 3 not to perform the continuation process determination.
FIG. 11 is a sequence diagram showing processing between the non-contact IC compatible processing device 1, the settlement device 2, and the non-contact IC medium 5 when the card information is transmitted. The same processes as those in the sequence of FIG. Steps S1 to S22 are the same as the sequence in FIG.
The non-contact IC-compatible processing apparatus 1 that has received the card information acquisition request command in step S22 transmits the card information received from the non-contact IC medium in step S18 to the non-contact reader / writer 4 (step S50). The non-contact reader / writer 4 outputs the card information to the settlement control unit 3 (step S51). The settlement control unit 3 stores the received card information inside without completing the continuation process determination, and completes the settlement process (step S52). In this way, settlement processing may be performed.

  In addition, the non-contact IC-compatible processing apparatus 1 in the present embodiment includes the display unit 11, the optical MMI unit 12, the sound MMI unit 13, and the operation unit 15, which improves the operability, but does not necessarily need to be included.

It is a block diagram which shows the structure of the payment system by the 1st Embodiment of this invention. It is a block diagram which shows the structure of the non-contact IC corresponding | compatible processing apparatus in this embodiment. It is a sequence diagram which shows the process between the non-contact IC corresponding | compatible processing apparatus, payment apparatus, and non-contact IC media in this embodiment. It is a flowchart which shows an example of the flow of a process in the non-contact IC corresponding | compatible processing apparatus of this embodiment. It is a sequence diagram which shows a series of flows of the payment process of this embodiment. It is a sequence diagram which shows a series of flows of the payment process of this embodiment. It is a sequence diagram which shows a series of flows of the payment process of this embodiment. It is a sequence diagram which shows a series of flows of the payment process of the 2nd Embodiment of this invention. It is a sequence diagram which shows a series of flows of the payment process of this embodiment. It is a sequence diagram which shows a series of flows of the payment process of this embodiment. It is a sequence diagram which shows the process between a non-contact IC corresponding | compatible processing apparatus, a payment apparatus, and non-contact IC media. It is a sequence diagram which shows the process between the non-contact reader / writer and non-contact IC media in a prior art. It is a sequence diagram which shows the recovery process at the time of timeout during the payment process in a prior art.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Processing device corresponding to non-contact IC 2,200 ... Settlement device 3,300 ... Settlement control unit 4,400 ... Non-contact reader / writer 5,500 ... Non-contact IC media 11 ... Display unit 12 ... Optical MMI unit 13 ... Sound MMI Unit 14 ... Antenna unit 15 ... Operation unit 16 ... Wireless transmission unit 17 ... Wireless reception unit 18 ... Control unit 19 ... Storage unit 20 ... Power supply unit

Claims (12)

A payment system in which payment processing is performed by a payment device having a contactless reader / writer and a post-paid contactless IC media that holds media information,
It has a non-contact IC compatible processing device,
The non-contact IC compatible processing device is:
First transmission / reception means for transmitting / receiving data in a contactless manner with the contactless reader / writer;
Second transmission / reception means for transmitting / receiving data in a non-contact manner with the non-contact IC medium;
In response to the media information acquisition request received from the payment device, responding to temporary media information,
Temporarily storing payment information received from the payment device;
Updating the media information of the contactless IC media based on the media information received from the contactless IC media and the payment information;
Temporarily storing the updated media information,
Control means for transmitting the updated media information to the settlement apparatus;
Have
The payment system generates payment information using temporary media information received from the contactless IC compatible processing device.   2. The settlement system according to claim 1, wherein the first transmission / reception means and the second transmission / reception means are configured by one non-contact communication interface. When the payment device transmits a write request and there is no response, the payment processing is temporarily suspended while maintaining the processing state,
The control means does not return a response to the first write request received from the settlement apparatus before updating the media information of the non-contact IC media, and receives from the settlement apparatus after updating the media information of the non-contact IC media. The settlement system according to claim 1, wherein a response is returned to the second write request.   The settlement system according to any one of claims 1 to 3, wherein the control unit switches between a media state communicating with a non-contact reader / writer and a reader / writer state communicating with a non-contact IC medium. .   The settlement system according to claim 4, wherein the control unit switches the state according to a user operation. When resuming after the settlement processing is interrupted, the settlement apparatus determines whether or not the identification number of the media information received before the resumption matches the identification number of the media information received after the resumption, and the settlement processing is performed only when they match. Resume
The said control means transmits the temporary media information transmitted before payment processing interruption again when making the said payment apparatus restart payment processing. The claim | item of any one of Claim 1 to 5 characterized by the above-mentioned. Payment system. A non-contact IC-compatible processing device applicable to a payment device having a non-contact reader / writer and a payment system in which payment processing is performed by a post-paid non-contact IC media that holds media information,
First transmission / reception means for transmitting / receiving data in a contactless manner with the contactless reader / writer;
Second transmission / reception means for transmitting / receiving data in a non-contact manner with the non-contact IC medium;
In response to the media information acquisition request received from the settlement apparatus, provisional media information is returned,
Temporarily storing payment information received from the payment device;
Updating the media information of the contactless IC media based on the media information received from the contactless IC media and the payment information;
Temporarily storing the updated media information,
Control means for transmitting the updated media information to the settlement apparatus;
A non-contact IC-compatible processing device, comprising:   8. The non-contact IC-compatible processing apparatus according to claim 7, wherein the first transmission / reception unit and the second transmission / reception unit are configured by one non-contact communication interface.   The control means does not return a response to the first write request received from the settlement apparatus before updating the media information of the non-contact IC media, and receives from the settlement apparatus after updating the media information of the non-contact IC media. The non-contact IC-compatible processing apparatus according to claim 7, wherein a response is returned to the second write request.   10. The non-contact according to claim 7, wherein the control unit switches between a media state communicating with a non-contact reader / writer and a reader / writer state communicating with a non-contact IC medium. IC compatible processing device.   The non-contact IC-compatible processing apparatus according to claim 10, wherein the control unit switches the state according to a user operation.   12. The control unit according to claim 7, wherein the control unit retransmits the temporary media information transmitted before the settlement process is interrupted when the settlement apparatus restarts the settlement process. 13. Non-contact IC compatible processing device.

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