JP7154849B2 - Payment processing distribution device, program, payment processing distribution method - Google Patents

Description

The present invention relates to a payment processing distribution device, a program, and a payment processing distribution method.

There is a settlement method using a machine-readable code such as a bar code or a two-dimensional code (for example, see Patent Document 1). The user can display the identification information as a machine-readable code on the display screen of a mobile terminal such as a smartphone owned by the user, and have the payment terminal installed in the store read it with a camera or the like. You can pay to the store by withdrawing the amount corresponding to the payment amount from the account. When making a payment at a store, it is preferable to be able to use a payment method using such a machine-readable code, because it improves convenience for the user in that various payment methods can be used.

JP 2017-117387 A

However, in stores, POS (point of sales) terminals have been widely introduced, and in addition to cash payments, credit card payment methods are also used, and payment methods are diversifying. ing. If individual systems are introduced for such a plurality of payment methods, the payment method will differ depending on the user, and it will be necessary to select the corresponding system each time to perform payment, and individual management will be required. On the other hand, it is conceivable to simplify management by preparing terminal devices equipped with all of these payment methods, but replacing existing POS terminals, credit card payment terminals, etc. with new devices would be a burden on the store. big.

The present invention has been made in view of such circumstances, and its purpose is to cope with diversification even if there are different payment methods, and to provide a management function for the parts that are common in management in performing payment processing. To provide a payment processing distribution device, a program, and a payment processing distribution method that can be shared.

In order to solve the above-described problems, the present invention supports a first payment process for making payments using a machine-readable code and a second payment process for making electronic money payments by performing non-contact communication with a recording medium. A payment processing distribution device connected to the POS terminal in a payment system having an electronic money payment terminal that allows payment using a credit card, a credit payment terminal that performs payment using a credit card, and a POS terminal , wherein the POS terminal a receiving unit for receiving from the POS terminal a payment processing request based on a payment type corresponding to a brand input from an input unit provided to accept operation input ; is determined based on the rule information representing the relationship between and the destination, if the payment type included in the payment processing request is a type corresponding to the first payment processing or the second payment processing, a distribution function unit that transmits the payment processing request to the electronic money payment terminal, and that transmits the payment processing request to the credit payment terminal when the payment type is credit payment;

Further, the present invention is a program for causing a computer to operate as the above-described payment processing distribution apparatus, and is a program for causing the computer to function as each unit included in the payment processing distribution device.

Further, the present invention provides an electronic money payment terminal capable of handling a first payment process of making payment using a machine-readable code and a second payment process of making electronic money payment by performing contactless communication with a recording medium. 1. A payment processing distribution method in a payment processing distribution device connected to the POS terminal in a payment system having a credit payment terminal for performing payment using a credit card, and a POS terminal, wherein the receiving unit comprises the A payment processing request based on a payment type corresponding to a brand input from an input unit provided in the POS terminal for accepting operation input is received from the POS terminal , and the distribution function unit selects a transmission destination of the received payment processing request. , the payment type included in the payment processing request corresponds to the first payment processing or the second payment processing by determining based on the rule information representing the relationship between the payment type representing the brand and the destination . is a payment processing distribution method for transmitting the payment processing request to the electronic money payment terminal if the payment type is credit payment, and transmitting the payment processing request to the credit payment terminal if the payment type is credit payment. .

As described above, according to the present invention, it is possible to perform payment processing by sharing the management function for portions that have common management in performing payment processing, while coping with diversification even with different payment methods. can be done.

1 is a schematic system configuration diagram showing the configuration of a payment system 1 using a payment processing distribution function according to one embodiment of the present invention; FIG. 4 is a schematic block diagram illustrating functions of a distribution function unit 42; FIG. 4 is a diagram showing an example of rule information stored in a distribution rule storage unit 423; FIG. 4 is a flowchart for explaining the operation of the POS terminal 40;

A settlement processing distribution apparatus according to an embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a schematic system configuration diagram showing the configuration of a settlement system 1 using a settlement processing allocation function according to one embodiment of the present invention.
The payment system 1 includes a user terminal 10, an IC (integrated circuit card) card 15, a credit card 18, an electronic money payment terminal 20, a credit card reading terminal 30, a POS terminal 40, a network 50, a contactless communication electronic money payment server 60, It includes a machine readable code settlement server 70 and a credit card settlement server 80 .

The user terminal 10 is, for example, a smart phone, a mobile phone, or the like, and is carried by the user. In this embodiment, a user who purchases goods or services will be described as an example.
The IC card 15 and credit card 18 are payment recording media that can be used for payment processing. The IC card 15 is, for example, a non-contact type IC card, but may be a portable terminal (PDA), such as a smart phone or a mobile phone, which incorporates the functions of a non-contact type IC card. For the IC card 15, for example, a transportation IC card, a distribution IC card, or the like can be used.
The credit card 18 stores a credit card number used for credit settlement. The credit card 18 may use either a method of storing information used for payment in a magnetic stripe or a method of storing information in an IC chip.

The electronic money settlement terminal 20 is a terminal installed in a store, and the number of installed terminals may be one or plural. The store here is a facility where the electronic money settlement terminal 20 is installed. This store is, for example, a retail store, each station of a transportation system, a bicycle parking lot, a parking lot, a game center, or the like. Here, the store is not limited to a facility intended for at least one of selling products and providing services, but may be any facility capable of selling products or providing services. For example, it may be a facility such as a complex commercial facility or a theme park in which a plurality of shops are accommodated. In addition, the facilities referred to here may be facilities controlled by each corporation, facilities controlled by branches in each region, or facilities controlled by buildings. The unit to be managed, the scale of the facility, etc. are arbitrary.
The electronic money settlement terminal 20 can handle a first settlement process of settlement using a machine-readable code, and a second settlement process of electronic money settlement by performing non-contact communication with a recording medium such as the IC card 15. is.
The electronic money settlement terminal 20 has a camera, a display device, an input device, and the like. The display device and the input device may be integrated using a touch panel. The input device or touch panel can be used to select and input the brand for which settlement processing is to be performed.
Here, the first payment processing includes a method of capturing an image of a machine-readable code displayed on the display screen of the user terminal 10 with a camera, and performing settlement based on the machine-readable code obtained from the imaging result; A system in which the corresponding machine-readable code is displayed on a display device, the machine-readable code is imaged by the camera function of the user terminal 10, and the user terminal 10 and the machine-readable code settlement server communicate with each other to make a payment. At least one of these methods can be used. Regarding which method to use for payment processing, there are various methods such as the brand to be used for payment, the method to be selected by the user each time payment is made, the method to be determined according to the rules set by the store, and the method determined according to the payment amount. It may be determined by either.
Here, for example, a two-dimensional barcode can be used as the machine-readable code. A machine-readable code is information issued for settlement in response to the purchase of a product or service. The machine-readable code can be issued by the machine-readable code payment server 70 of the brand for which payment is to be made, or by executing payment application software installed in the user terminal 10 and issued by this application software. It can also be issued by executing payment application software installed in the electronic money payment terminal 20 .
This machine readable code can contain a variety of information. For example, the machine-readable code may include a settlement amount, user identification information for identifying a user who uses the user terminal 10, store identification information for identifying a store where the electronic money settlement terminal 20 is installed, or electronic money Payment terminal identification information that identifies the payment terminal 20, brand identification information that identifies the brand to be settled, payment identification information that individually identifies payment processing, etc. can be included, but all of these information are not necessarily used. No need.

A credit card reading terminal 30 reads information stored in the credit card 18 and performs settlement using the credit card.
This information may be read by a method of reading information stored in the magnetic stripe of the credit card 18 or by a method of reading information stored in the IC chip of the credit card 18 .

The POS terminal 40 is connected to the electronic money payment terminal 20 and the credit card reader terminal 30 and also to the network 50 .
The POS terminal 40 includes a POS function section 41 and a distribution function section 42 .
The POS function unit 41 reads a code such as a bar code of a product or service to be sold by an externally connected reading device, registers the product to be sold, and displays the product name and price corresponding to the read code ( price) is obtained by referring to the product database, and payment processing is performed. The POS function unit 41 performs processing according to information input from input buttons provided on the POS terminal 40 . For example, when a brand corresponding to a payment type specified by the user is selected and input from the input button, the POS function unit 41 outputs the payment amount corresponding to the registered sales target product, the selected payment type, A processing type indicating that the settlement is a payment is output to the distribution function unit 42 as a processing request.
Here, the payment type includes, for example, payment using a machine-readable code, payment using non-contact communication, payment using a credit card, and the like. If the payment type is uniquely determined according to the brand based on the brand identification information, the brand identification information can be used as the payment type.

Here, the brand is, for example, a prepaid electronic money brand operated by a distribution company or railway company, a postpaid electronic money brand operated by a credit company, or a prepaid electronic money brand exclusively for Internet payment. Money brands, etc. Also, the brand may be a credit card brand by a credit card company.

The types of processing include, for example, payment processing for making payment for purchasing products, charge processing for charging the balance of electronic money corresponding to the IC card 15, balance inquiry processing for checking the balance of electronic money, There is a cancellation process or the like for canceling the settlement process performed immediately before.
When the result of payment is obtained, the POS function unit 41 can store the result of payment and output a receipt or the like on which information about the result of payment is printed.

The sorting function unit 42 selects either one of the electronic money payment terminal 20 and the credit card reading terminal 30 according to the processing request output from the POS function unit 41, and selects the terminal (electronic money A processing request is sent to the payment terminal 20 or the credit card reading terminal 30).
Further, when the distribution function unit 42 receives the processing result performed in response to the processing request from the electronic money settlement terminal 20 or the credit card reading terminal 30, the non-contact communication electronic money settlement server 60 and the machine perform processing according to the processing result. The processing result is transmitted via the network 50 to either the read code settlement server 70 or the credit card settlement server 80 as the transmission destination.
The sorting function unit 42 can be configured as a sorting device that is independently connected to the outside of the POS terminal 40, or can be configured as a program for the computer in the POS terminal 40 to execute. It may be realized as a sorting function unit 42 in the POS terminal 40 by having the POS terminal 40 read and execute it.

When the distribution function unit 42 is configured as a distribution device, the existing POS terminal is connected to the outside, and the electronic money settlement terminal 20 and the credit card reading terminal 30 are connected to the distribution function unit 42 to perform distribution. A separate function can be realized, and there is no need to change the model of an existing POS terminal to another POS terminal, and introduction costs can be reduced.

When the distribution function unit 42 is configured as a program and executed by the POS terminal 40, the distribution function can be realized by installing the program in the existing POS terminal 40. There is no need to change the model of the POS terminal 40 to another POS terminal, and the introduction cost can be reduced. In addition, since POS terminals often have a plurality of USB ports, even when installing a program for realizing the sorting function unit 42, it is possible to install the program through the USB port provided on the POS terminal. It is possible to connect and communicate with the electronic money payment terminal and the credit card reading terminal.

When the POS terminal 40, the electronic money settlement terminal 20, and the credit card reading terminal 30 are integrated into one device, the model of the existing POS terminal needs to be changed to the integrated device. , which increases the installation cost. In addition, if a credit card reading terminal or an electronic money settlement terminal is already installed in addition to the POS terminal, these will eventually have to be replaced as well.
On the other hand, by implementing the distribution function unit 42 described above, the introduction cost can be suppressed. Moreover, in stores that have already introduced the POS terminal 40 and the credit card reading terminal 30, it is enough to introduce the sorting function unit 42 and the electronic money settlement terminal 20. FIG.
Generally, the POS terminal 40 and the credit card reading terminal 30 are operated by a store clerk, and the electronic money settlement terminal 20 is often operated by the user alone or by both the user and the store clerk. Therefore, the POS terminal 40 and the credit card reading terminal 30 should preferably be installed in a place where the clerk can easily operate them, and the electronic money payment terminal 20 can be easily operated by the user alone or by the user and the clerk. It is preferable from the viewpoint of operability to install it at a place. Therefore, the POS terminal 40, the electronic money payment terminal 20, and the credit card reading terminal 30 should be configured in separate housings and connected so as to be communicable, and each device can be freely selected in consideration of the layout and traffic lines in the store. Since each device can be installed at any position, there is also the advantage that each device can be easily used by a user or a store clerk.

The network 50 may be one of various networks such as the Internet and a VPN (Virtual Private Network), or may be configured using two or more. The network 50 may be wired or wireless, or may include both wired and wireless sections.

The non-contact communication electronic money payment server 60 has a function of making electronic money payments using the IC card 15 .
The machine-readable code settlement server 70 has a function of performing settlement with electronic money using a machine-readable code. Based on the machine readable code, the machine readable code settlement server 70 identifies the account of the user to be settled based on the user identification information that identifies the user included in the machine readable code. Payment can be made by post-pay method.
The credit card settlement server 80 performs credit settlement processing using a credit card.

Next, the distribution function unit 42 will be further described.
FIG. 2 is a schematic block diagram illustrating the functions of the distribution function unit 42. As shown in FIG.
The distribution function unit 42 includes a communication unit 421 , a control unit 422 , a distribution rule storage unit 423 and a distribution unit 424 .
The communication unit 421 performs various communications among the POS function unit 41 , the electronic money settlement terminal 20 , the credit card reading terminal 30 and various servers connected to the network 50 . This communication unit 421 performs communication using a plurality of connection ports that can be connected to communication cables. For example, the communication unit 421 can use a USB (Universal Serial Bus) port and a LAN (Local Area Network) port as connection ports. The communication unit 421 can communicate with the electronic money settlement terminal 20 by being connected to the electronic money settlement terminal 20 via a USB port with a USB cable. , a USB port (a USB port different from the USB port to which the electronic money settlement terminal 20 is connected) and a USB cable to communicate with the credit card reading terminal 30 .
The communication unit 421 communicates with various servers connected to the network 50 by being connected to the network 50 with a LAN cable via a LAN port. The other terminal of the cable connected to this LAN port is connected to a communication device (for example, a router device, etc.) that performs network communication, so that the communication unit 421 can perform communication via the network 50 .

As a result, the electronic money payment terminal 20 and the credit card reader terminal 30 can be connected to the POS terminal 40 via a USB cable. physical connection is easy.
Further, here, the function of the electronic money settlement terminal 20 and the function of the credit card reading terminal 30 are installed in the POS terminal 40, so that it is not necessary to integrate them into one device. The electronic money settlement terminal 20 and the credit card reading terminal 30 can be connected to the POS terminal 40 without replacement.

The control unit 422 controls each unit within the distribution function unit 42 .
The distribution rule storage unit 423 stores rule information indicating to which of the electronic money settlement terminal 20 and the credit card reading terminal 30 the processing request from the POS function unit 41 is to be sent.
FIG. 3 is a diagram showing an example of rule information stored in the distribution rule storage unit 423. As shown in FIG.
The rule information is information in which payment types and destinations are associated with each other.
The payment type includes information identifying which payment method is used among payment using a machine-readable code, payment using contactless communication, and payment using a credit card. Here, if the payment method can be identified, the name of the payment method (machine-readable code payment, non-contact communication payment, credit card payment) can be used, or brand A, brand B, brand C, etc. can be used. , the name of the brand for which the payment is made can also be used. For example, brand A is a brand that allows payment using a machine-readable code, brand B is a brand that allows payment using a machine-readable code, and brand C is a brand that allows payment using a credit card. It is a brand that can make payments. In this way, when the payment method is uniquely determined by the brand, brand identification information for identifying the brand can be used as the payment type. If the brand can handle multiple payment types, information about which payment type is used is used.
The transmission destination is information specifying a server to which the result (for example, response) in response to the payment processing request is transmitted.

The destination is information indicating the destination to which the processing request sent from the POS function unit 41 is sent.
For example, the destination includes information identifying whether it is the electronic money settlement terminal 20 or the credit card reading terminal 30 . If the electronic money settlement terminal 20 is to be the destination, it is necessary to select which of the function of settlement using a machine-readable code and the function of settlement using non-contact communication is to be the destination. Contains identifying information.

When receiving a processing request from the POS function unit 41 through the communication unit 421, the distribution unit 424 determines the destination corresponding to the processing request based on the rule information stored in the distribution rule storage unit 423. Send a processing request to the specified destination. For example, when the payment type is the first payment process, this processing request is transmitted together with an instruction to activate the function of the electronic money payment terminal 20 to perform the first payment process, and the payment type is the second payment process. In this case, an instruction to activate the function of the electronic money settlement terminal 20 to perform the second settlement process is transmitted.

For example, based on the payment type included in the payment processing request received from the POS function unit 41, if the payment type is a type corresponding to the first payment process or the second payment process, the distribution unit 424 performs the completed process. A request is sent to the electronic money payment terminal, and if the payment type is credit payment, a payment processing request is sent to the credit payment terminal.
Also, the distribution unit 424 transmits a response obtained from the electronic money payment terminal 20 to the payment processing request to the contactless communication electronic money payment server 60 or the machine readable code payment server 70 based on the distribution rule. , the response obtained from the credit card reading terminal 30 in response to the payment processing request is transmitted to the credit card payment server 80 .

Next, the operation of the POS terminal 40 will be explained.
FIG. 4 is a flowchart for explaining the operation of the POS terminal 40. As shown in FIG.
When the POS function unit 41 receives input of payment information requested by the user, the POS function unit 41 transmits a payment processing request according to the input content to the distribution function unit 42 . For example, when a user purchases a product priced at 1,000 yen by making a payment using brand A, the payment processing request includes 1,000 yen as the payment amount, brand A as the payment type, and payment as the processing type. The payment processing request received is transmitted to the distribution function unit 42 (step S101). The distribution unit 424 of the distribution function unit 42 determines the destination of the payment processing request based on the distribution rule stored in the distribution rule storage unit 423 (step S102). For example, the distribution unit 424 refers to the payment type included in the payment processing request, extracts that the payment type is brand A, and transmits the destination corresponding to the extracted payment type based on the rule information. It specifies that the first is the function of making a payment using the machine-readable code of the electronic money payment terminal 20 . When the destination is specified by the distribution unit 424, the distribution function unit 42 transmits a payment processing request to the electronic money payment terminal 20 together with an instruction to perform payment using the machine-readable code (step S103).

When the electronic money settlement terminal 20 receives a settlement processing request together with an instruction to make a settlement using the machine readable code, it activates a function for making a settlement using the machine readable code based on the instruction to make a settlement using the machine readable code. Then, payment processing for paying 1000 yen using brand A is executed on the user terminal 10 . More specifically, based on the payment processing request, the electronic money payment terminal 20 displays the payment amount on the display screen, activates the camera function, and reads the machine-readable code displayed on the display screen of the user terminal 10. An image is captured, and a machine-readable code obtained from the imaged result is transmitted to the sorting function unit 42 of the POS terminal 40 .
Alternatively, the electronic money settlement terminal 20 displays a machine-readable code corresponding to the settlement processing request on the display screen. The user terminal 10 reads the machine-readable code displayed on the display screen, and transmits it to the machine-readable code settlement server 70 based on the result of reading. The electronic money settlement terminal 20 can display a machine readable code containing information on the settlement amount included in the settlement processing request received from the POS terminal 40, but displays a machine readable code that does not contain the settlement amount. Alternatively, the user terminal 10 that captured the machine-readable code may enter the payment amount at the user terminal 10 .
Further, here, since the machine readable code settlement server 70 is registered in advance in the user terminal 10 as a server on the other side of communication when performing settlement using the machine readable code, the machine readable code settlement server 70 and the machine readable code settlement server 70 can communicate.

Further, for example, when the electronic money payment terminal 20 receives a payment processing request together with an instruction to make a payment using contactless communication, the electronic money payment terminal 20 activates the contactless communication function and is brought close to the electronic money payment terminal 20. Then, it performs contactless communication with the IC card 15, receives medium identification information from the IC card 15, and performs electronic money settlement processing according to a predetermined procedure.

Further, for example, when the payment type is brand C, the distribution function unit 42 transmits a payment processing request to the credit card reading terminal 30 together with an instruction to perform credit card payment to the credit card reading terminal 30. .
When the credit card reading terminal 30 receives a credit card payment instruction and a payment processing request, the credit card reading terminal 30 activates the function of reading the credit card 18 in response to the credit card payment instruction and stores the information in the credit card 18. read the information.

When the distribution function unit 42 receives a response from the target terminal to which the payment processing request was transmitted, the distribution function unit 42 transmits the received response to the corresponding server (step S105).

For example, in the case of a response to payment using the machine-readable code of the electronic money payment terminal 20, the response is transmitted to the machine-readable code payment server 70 based on the distribution rule stored in the distribution rule storage unit 423. do. This response can include, for example, the machine-readable code displayed on the display screen of the user terminal 10, which is captured by the camera function of the electronic money settlement terminal 20, and the machine-readable code obtained as the captured image. The electronic money settlement terminal 20 may transmit the obtained machine readable code in response to the POS terminal 40, and the obtained machine readable code may include settlement terminal identification information for identifying the electronic money settlement terminal 20, The payment amount may be added and sent to the POS terminal 40 as a response.

Alternatively, if the response is to payment using contactless communication, the distribution function unit 42 transmits the response to the contactless communication electronic money payment server 60 based on the distribution rule. For example, the electronic money payment terminal 20 may transmit the medium identification information read from the IC card 15 and the payment terminal identification information to the POS terminal 40 as a response.

Also, if the response is to credit card payment, the distribution function unit 42 transmits a response to the credit card payment server 80 based on the distribution rule. The response obtained from the credit card reading terminal 30 includes the credit card number read from the credit card 18, and the distribution function unit 42 sends the credit card number and the settlement amount to the credit card settlement server 80. Send. If it is necessary for the user to enter a personal identification number via a pin pad or the like for credit card settlement, the distribution function unit 42 will send a credit card response containing the personal identification number obtained together with the credit card number. It can also be sent to the card settlement server 80 .

Note that a response may not always be obtained depending on the type of payment or the brand of the payment target. In that case, if the terminal does not notify an error even after a predetermined amount of time has passed since the payment processing request was sent, the server side is notified that there was a response indicating that the payment processing was performed normally. You may send. A case where no response is obtained from the terminal is, for example, a case where payment is made using a machine-readable code at the electronic money payment terminal 20 and the machine-readable code is displayed on the electronic money payment terminal 20 . In this case, the user terminal 10 takes an image of the machine-readable code displayed on the display screen of the electronic money settlement terminal 20, and uses the obtained machine-readable code to transmit data from the user terminal 10 without going through the electronic money settlement terminal 20. A payment channel that communicates with the machine readable code payment server 70 may be used. In such a case, the electronic money settlement terminal 20 does not send a response including the result of the processing performed on the user terminal 10 side to the POS terminal 40. It may be sent to the sorting function unit 42 in response, or may be sent to the sorting function unit 42 as a response that the machine readable code display screen has been successfully displayed.

As described above, the POS terminal 40 has the sorting function unit 42 so that the payment processing request can be sent to either the electronic money payment terminal 20 or the credit card payment server 80, which is the destination according to the payment type. In addition, even if a response is obtained from the electronic money payment terminal 20 or the credit card payment server 80, the contactless communication electronic money payment server 60 and the machine readable code payment server 70 on the upper side , credit card payment server 80 as appropriate. As a result, even if the distribution function unit 42 is added, it is possible to realize settlement processing in the same way as before.

In addition, in the above-described POS terminal 40, the processing of the direct payment service using a credit card and the other processing (payment using a machine readable code, payment processing using contactless communication) are different. Processing can be executed in the terminal device, and portions with common management can be integrated into one. For example, information on purchased products can be registered at the POS terminal 40 to calculate the settlement amount. Since the function of registering the payment amount can be centralized in the POS terminal 40, the electronic money payment terminal 20 and the credit card reading terminal 30 do not need to be provided. In addition, since the POS terminal 40 can collectively manage the information about the products to be settled and the sales information, the electronic money settlement terminal 20 and the credit card reader terminal 30 do not have to manage them individually.
In this way, the parts that can be shared in the terminal device used for payment can be consolidated on the POS terminal 40 side without being implemented in each terminal, so it is possible to reduce the functions to be installed in each terminal. and diversification to support multiple payment services.

The distribution function unit 42 of the POS terminal 40 in the above-described embodiment may be realized by a computer. In that case, a program for realizing this function may be recorded in a computer-readable recording medium, and the program recorded in this recording medium may be read into a computer system and executed. It should be noted that the “computer system” here includes hardware such as an OS and peripheral devices. The term "computer-readable recording medium" refers to portable media such as flexible discs, magneto-optical discs, ROMs and CD-ROMs, and storage devices such as hard discs incorporated in computer systems. Furthermore, "computer-readable recording medium" means a medium that dynamically retains a program for a short period of time, like a communication line when transmitting a program via a network such as the Internet or a communication line such as a telephone line. It may also include something that holds the program for a certain period of time, such as a volatile memory inside a computer system that serves as a server or client in that case. Further, the program may be for realizing a part of the functions described above, or may be capable of realizing the functions described above in combination with a program already recorded in the computer system. It may be implemented using a programmable logic device such as an FPGA (Field Programmable Gate Array).

Although the embodiment of the present invention has been described in detail with reference to the drawings, the specific configuration is not limited to this embodiment, and design and the like are included within the scope of the gist of the present invention.

DESCRIPTION OF SYMBOLS 10... User terminal, 15... IC card, 18... Credit card, 20... Electronic money settlement terminal, 30... Credit card reading terminal, 40... POS terminal, 41... POS function part, 42... Distribution function part, 50... Network , 60... non-contact communication electronic money payment server, 70... machine readable code payment server, 80... credit card payment server, 421... communication section, 422... control section, 423... distribution rule storage section, 424... distribution section

Claims (5)

an electronic money payment terminal capable of handling a first payment process of making payment using a machine-readable code and a second payment process of making electronic money payment by performing contactless communication with a recording medium;
a credit payment terminal for making payments using a credit card;
A payment processing distribution device connected to the POS terminal in a payment system comprising a POS terminal,
a receiving unit that receives from the POS terminal a payment processing request based on a payment type corresponding to a brand input from an input unit that is provided in the POS terminal and receives operation input ;
By determining the transmission destination of the received payment processing request based on the rule information representing the relationship between the payment type representing the brand and the transmission destination, the payment type included in the payment processing request is the first payment. If the type corresponds to the processing or the second settlement processing, the settlement processing request is transmitted to the electronic money settlement terminal, and if the settlement type is credit settlement, the settlement processing request is transmitted to the credit settlement terminal. A payment processing distribution device having a distribution function unit that transmits to The payment system has an electronic money payment server for electronic money payment and a credit payment server for credit payment,
The distribution function unit is
transmitting a response obtained from the electronic money payment terminal in response to the payment processing request to the electronic money payment server;
2. The payment processing sorting device according to claim 1, wherein a response obtained from said credit payment terminal in response to said payment processing request is transmitted to said credit payment server. The distribution function unit is
if the payment type is the first payment process, transmitting an instruction to activate a function for performing the first payment process in the electronic money payment terminal;
3. The payment processing distribution apparatus according to claim 1, wherein, when the payment type is the second payment processing, an instruction to activate a function of performing the second payment processing in the electronic money payment terminal is transmitted. A program for causing a computer to operate as the payment processing distribution device according to any one of claims 1 to 3, wherein the computer functions as each part provided in the payment processing distribution device. program. an electronic money payment terminal capable of handling a first payment process of making payment using a machine-readable code and a second payment process of making electronic money payment by performing contactless communication with a recording medium;
a credit payment terminal for making payments using a credit card;
A payment processing distribution method in a payment processing distribution device connected to the POS terminal in a payment system having a POS terminal,
a receiving unit that receives from the POS terminal a payment processing request based on a payment type corresponding to a brand input from an input unit that is provided in the POS terminal and receives an operation input ;
The distribution function unit determines the destination of the received payment processing request based on the rule information representing the relationship between the payment type representing the brand and the destination, so that the payment included in the payment processing request If the type corresponds to the first payment process or the second payment process, the payment process request is transmitted to the electronic money payment terminal, and if the payment type is credit payment, the payment process. A payment processing distribution method for sending a request to the credit payment terminal.

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