WO2022097441A1 - Payment system and payment method - Google Patents

Payment system and payment method Download PDF

Info

Publication number
WO2022097441A1
WO2022097441A1 PCT/JP2021/038020 JP2021038020W WO2022097441A1 WO 2022097441 A1 WO2022097441 A1 WO 2022097441A1 JP 2021038020 W JP2021038020 W JP 2021038020W WO 2022097441 A1 WO2022097441 A1 WO 2022097441A1
Authority
WO
WIPO (PCT)
Prior art keywords
unit
terminal
electronic money
management
amount
Prior art date
Application number
PCT/JP2021/038020
Other languages
French (fr)
Japanese (ja)
Inventor
智也 檜山
Original Assignee
グローリー株式会社
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by グローリー株式会社 filed Critical グローリー株式会社
Publication of WO2022097441A1 publication Critical patent/WO2022097441A1/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated

Definitions

  • the present invention relates to a payment system and a payment method.
  • a charging machine is used to deposit electronic money (hereinafter referred to as "charge").
  • charge electronic money
  • the electronic money equivalent to the amount of the deposited money is written to the IC card or smartphone carried by the user, or written to the server on the network.
  • the former is called card-type electronic money
  • server-type electronic money The former is called card-type electronic money
  • Patent Document 1 describes the identification number required for issuing electronic money as a mechanism that enables remittance sources who do not have a mobile terminal such as a smartphone or who do not know the e-mail address of the remittance partner to donate electronic money.
  • a system for issuing a printed receipt is described in the code (registered trademark).
  • An object of the present invention is to eliminate the need for a mobile phone such as an IC card or a mobile terminal when making a payment using electronic money.
  • the invention according to claim 1 is a first terminal having at least a money deposit mechanism, a second terminal communicably connected to the first terminal, and a deposit deposited in the first terminal. It is a payment system having an output unit capable of outputting identification information associated with an amount of money, and the second terminal is provided with a reading unit for reading the identification information output by the output unit. The second terminal is a payment system capable of making payments within the amount of money associated with the read identification information.
  • the invention according to claim 2 is the payment system according to claim 1, wherein the output unit is a printing means for printing the identification information.
  • the invention according to claim 3 is the payment system according to claim 2, wherein the printing means is provided in the first terminal.
  • the invention according to claim 4 further has a storage unit for storing the deposit amount and the identification information associated with the deposit amount, and the amount is smaller than the balance associated with the identification information.
  • the second terminal updates the balance stored in the storage unit to the amount obtained by subtracting the settlement amount, claims 1 to 3.
  • the invention according to claim 5 is the payment system according to claim 4, wherein the storage unit is provided in the first terminal.
  • the invention according to claim 6 further includes a server communicably connected to the first terminal and the second terminal, and the storage unit is provided in the server, claim 4. The payment system described.
  • the invention according to claim 7 is the case where the first terminal further has a second reading unit for reading the identification information, and the first terminal confirms the deposit of money to the deposit mechanism.
  • the payment system according to any one of claims 1 to 6, wherein the amount deposited is added to the balance associated with the same identification information as the identification information read by the second reading unit.
  • the first terminal has a storage unit for storing money, a withdrawal unit for withdrawing money stored in the storage unit, and a second reading for reading the identification information.
  • the first terminal further has a unit, and when the identification information is read, a part or all of the balance associated with the identification information is used as the withdrawal unit.
  • the payment system which enables withdrawals from.
  • the invention according to claim 9 is to generate identification information associated with a step in which a first terminal accepts a deposit of money and the first terminal associated with an amount deposited in the first terminal.
  • the step, the step of acquiring the payment information by the second terminal communicably connected to the first terminal, and the identification information output by the output unit are read by the reading unit provided in the second terminal.
  • FIG. It is a figure explaining an example of the electronic money management system used in Embodiment 1.
  • FIG. It is a figure explaining an example of the appearance structure of the charging machine used in Embodiment 1.
  • FIG. It is a figure explaining an example of the receipt output at the time of a new charge of electronic money.
  • FIG. It is a figure explaining an example of the internal structure of the electronic money management server used in Embodiment 1.
  • FIG. It is a figure explaining an example of electronic money management data.
  • FIG. It is a figure explaining an example of the internal structure of the POS cash register used in Embodiment 1.
  • FIG. It is a figure explaining an example of the processing operation of a new charge in Embodiment 1.
  • FIG. It is a figure explaining an example of the processing operation of the additional charge in Embodiment 1.
  • FIG. It is a figure explaining an example of the processing operation at the time of settlement in Embodiment 1.
  • FIG. It is a figure explaining an example of the processing operation at the time of refund in Embodiment 1.
  • FIG. It is a figure explaining an example of the electronic money management system used in Embodiment 2.
  • FIG. It is a figure explaining an example of the internal structure of the charging machine used in Embodiment 2.
  • FIG. It is a figure explaining an example of the processing operation of a new charge in Embodiment 2.
  • FIG. 2 It is a figure explaining an example of the processing operation of the additional charge in Embodiment 2.
  • FIG. It is a figure explaining an example of the processing operation at the time of settlement in Embodiment 2.
  • FIG. It is a figure explaining an example of the processing operation at the time of refund in Embodiment 2.
  • FIG. It is a figure explaining an example of the electronic money management system used in Embodiment 3.
  • FIG. It is a figure explaining an example of the internal structure of the POS cash register used in Embodiment 3.
  • FIG. It is a figure explaining an example of the processing operation of a new charge in Embodiment 3.
  • FIG. It is a figure explaining an example of the processing operation of the additional charge in Embodiment 3.
  • FIG. It is a figure explaining an example of the processing operation at the time of settlement in Embodiment 3.
  • FIG. It is a figure explaining an example of the processing operation at the time of refund in Embodiment 3.
  • FIG. It is a figure explaining the recording example of the charge using the electronic money management data which contains the information which identifies a user.
  • (A) is an example of a new charge
  • (B) is an example of an additional charge.
  • FIG. 1 is a diagram illustrating an example of an electronic money management system 1 used in the first embodiment.
  • the electronic money management system 1 includes a charging machine 10, a network 20, an electronic money management server 30, an auto cash register 40, and a POS cash register 50.
  • the electronic money management system 1 in the present embodiment is an example of a payment system.
  • This embodiment assumes server-type electronic money. Therefore, the information regarding the transaction of electronic money is managed by the electronic money management server 30. Transactions include charges, settlements, and refunds of balances.
  • the charging machine 10 is a device used for inputting operations such as charging electronic money, updating the balance, and refunding the balance. In the case of the present embodiment, the charging machine 10 assumes a dedicated device specialized for handling electronic money.
  • the charging machine 10 accepts the insertion of bills and charges the electronic money for the amount specified by the user.
  • the charging machine 10 in the present embodiment assumes charging of electronic money with banknotes, but charging with coins may be possible. In the following, when banknotes and coins are collectively referred to, they are referred to as "money".
  • the charging machine 10 may be capable of charging electronic money with a valuable value other than money.
  • Valuable values include, for example, prepaid cards and electronic points.
  • Electronic points include, for example, points given by credit card usage record, points given by QR code (registered trademark) usage record, points given by electronic money usage record, aircraft, etc. There are mileage points awarded based on the usage record of.
  • the charging machine 10 is also used for refunding money for the balance of electronic money.
  • the charging machine 10 in the present embodiment can only refund banknotes. However, coins may be refundable.
  • the charging machine 10 in the present embodiment is not limited to a dedicated device specialized in handling electronic money, and may be, for example, an automated teller machine or a cash register terminal. That is, it may be an auto cash register 40 or a POS cash register 50.
  • the number of charging machines 10 is one in FIG. 1, a plurality of charging machines 10 may be connected to the network 20.
  • the charging machine 10 in the present embodiment is an example of the first terminal.
  • the electronic money management server 30 is a server that manages the balance of electronic money, transaction history, and the like.
  • the electronic money management server 30 manages the balance of electronic money, the history of transactions, etc. by associating them with the management ID.
  • the electronic money management server 30 in the present embodiment executes an electronic money transaction through communication with the charging machine 10, the auto cash register 40, and the POS cash register 50.
  • the auto cash register 40 will be introduced in cafeterias such as companies and hospitals.
  • the auto cash register 40 is a device that calculates the total payment amount by reading data from, for example, an IC tag attached to tableware on a tray or a product in a shopping cart, and executes cashless payment.
  • the auto cash register 40 inquires of the electronic money management server 30 about the balance of the electronic money, and if the balance is larger than the total payment amount, the settlement is executed.
  • the POS cash register 50 is a device that calculates the total payment amount of purchased goods and services and executes payment. In this embodiment, payment by electronic money is assumed, but payment by money may be possible.
  • An automatic change machine is connected to the POS cash register 50 that can be settled in money.
  • the POS cash register 50 may be a semi-self-checkout in which the checkout staff performs the scan of the product and the checkout is performed by the user who is the customer, or the self-checkout may be performed by the user who is the customer in both the scan and the checkout of the product.
  • the automatic change machine has a storage unit for storing money and a withdrawal unit for withdrawing money.
  • the auto register 40 and the POS register 50 in the present embodiment are examples of the second terminal.
  • the auto cash register 40 and the POS cash register 50 are examples of payment devices.
  • the charging machine 10, the auto cash register 40, and the POS cash register 50 may be installed in the same store or may be installed in different stores. Further, the businesses that install the charging machine 10, the auto register 40, and the POS register 50 may be the same or different. In the case of this embodiment, a receipt printed with a QR code associated with prepaid electronic money is used for payment and the like.
  • FIG. 2 is a diagram illustrating an example of an external configuration of the charging machine 10 used in the first embodiment.
  • the charging machine 10 shown in FIG. 2 includes a display operation unit 11, a voice output unit 12, a receipt printer 13, a QR code reader 14, and a bill processing unit 15.
  • the bill processing unit 15 has a bill receiving unit 15A and a bill paying unit 15B.
  • the display operation unit 11 and the audio output unit 12 are arranged on a slope provided on the back side of the upper surface of the main body. Whether it is the front side or the back side is expressed based on the position of the user who operates the charging machine 10.
  • the display operation unit 11 is composed of, for example, a touch panel. Information and buttons related to the operation are displayed on the touch panel. Further, when the displayed button or the like is operated, the touch panel accepts the operation for the button or the like to be operated.
  • the voice output unit 12 is a speaker, and outputs voice guidance, a message, and the like.
  • the receipt printer 13 is a printer that prints and outputs a QR code used for identifying the charged electronic money on the receipt.
  • a thermal printer is used for the receipt printer 13 .
  • the receipt printed with the QR code is output separately from the receipt as a copy of the transaction.
  • the date and time of the transaction, the amount of the charged electronic money, and the balance of the electronic money are printed on the receipt as a copy of the transaction.
  • FIG. 3 is a diagram illustrating an example of a receipt 60 output when a new charge of electronic money is made.
  • the receipt 60 shown in FIG. 3 is printed with a QR code 61 issued at the time of a new charge of electronic money, an expiration date 62, and an issue date 63.
  • the QR code 61 includes a management ID that uniquely identifies electronic money.
  • the management ID is issued by, for example, the electronic money management server 30.
  • the expiration date 62 is “2020/12/11” and the issue date 63 is “2020/03/11”.
  • the expiration date 62 is set three months after the issue date 63.
  • the validity period is not limited to 3 months.
  • the receipt 60 may be printed with only the expiration date 62 or only the issue date 63. Further, the receipt 60 on which the QR code 61 is printed may be printed with the amount of charged electronic money or the current balance of electronic money.
  • the receipt 60 on which the QR code 61 including the information of the management ID is printed is required to use the charged electronic money. Since the receipt 60 is a paper medium, the introduction cost of the electronic money management system 1 (see FIG. 1) can be reduced as compared with the case of using a dedicated magnetic prepaid card, IC card, or the like.
  • the QR code 61 here is an example of the identification information associated with the deposit amount, and includes, for example, information regarding the management ID associated with the electronic money.
  • the receipt printer 13 is an example of an output unit. The receipt printer 13 is also an example of printing means.
  • the QR code 61 is not limited to the management ID, and may include information regarding the balance, expiration date, and the like.
  • the QR code reader 14 acquires the management ID associated with the electronic money by decoding the image of the QR code 61 of the receipt 60 placed on the reading surface.
  • the acquired management ID is used for acquiring the balance of electronic money from the electronic money management server 30.
  • the QR code reader 14 is an example of a second reading unit.
  • the banknote processing unit 15 accepts inserted banknotes, returns change, returns the balance of electronic money, and the like.
  • the change is returned when the amount of the inserted bill is larger than the charge amount specified by the user. For example, if the charge amount is 3000 yen and 5000 yen is put in, 2000 yen will be discharged as a change.
  • the banknote receiving unit 15A is used for inserting banknotes, and the banknote payout unit 15B is used for paying out banknotes such as change.
  • the bill processing unit 15 is provided with an identification unit that identifies the denomination, authenticity, correctness, loss, old and new, etc. of the inserted bill.
  • the banknotes identified by the identification unit are further sorted by the sorting unit.
  • the bill identified as abnormal is discharged from the bill payout unit 15B.
  • the bill receiving unit 15A here is an example of a deposit mechanism.
  • the bill payout unit 15B is an example of a withdrawal unit.
  • FIG. 4 is a diagram illustrating an example of the internal configuration of the charging machine 10 used in the first embodiment.
  • the charging machine 10 shown in FIG. 4 includes a display operation unit 11, a voice output unit 12, a receipt printer 13, a QR code reader 14, a bill processing unit 15, a communication unit 16, a storage unit 17, and a control unit. It has 18.
  • the bill processing unit 15 is provided with a storage 15C for storing money inserted from the bill receiving unit 15A.
  • the banknote processing unit 15 in the present embodiment can be recycled by using the banknotes stored in the storage 15C for change or refund.
  • the banknotes drawn from the storage 15C are discharged from the above-mentioned banknote payout unit 15B.
  • the storage 15C is an example of a storage unit.
  • the communication unit 16 is an interface for communicating with the electronic money management server 30 via the network 20.
  • the storage unit 17 is an auxiliary storage device such as a non-volatile memory or a hard disk device.
  • the storage unit 17 in the present embodiment stores the deposit data 17A representing the charged amount (hereinafter, also referred to as “deposit amount”) and the balance data 17B acquired from the electronic money management server 30.
  • the control unit 18 is a so-called computer, and realizes various functions through the execution of a program.
  • the control unit 18 has a display control unit 18A, a charge amount specifying unit 18B, a charge processing unit 18C, a QR code generation unit 18D, a QR code decoding unit 18E, and a balance refund control unit 18F through the execution of the program.
  • the display control unit 18A controls the display of the display operation unit 11.
  • the display control unit 18A displays on the display operation unit 11 a button for selecting the content of the transaction on the standby screen.
  • the contents of the transaction include, for example, charging electronic money, checking the balance, and refunding the balance.
  • the display control unit 18A when the charge of electronic money is selected, the display control unit 18A also displays a screen for accepting the selection of the valuable value to be used for the charge, a screen for accepting the designation of the charge amount, and the like on the display operation unit 11. In addition, the display control unit 18A also displays the progress of charging and the charging result on the display operation unit 11.
  • the charge amount specifying unit 18B is a function of accepting the designation of the charge amount through the user's operation on the button displayed on the display operation unit 11.
  • the charge processing unit 18C is a function of executing charge processing of electronic money. When the charge amount is specified, the charge processing unit 18C waits for payment of the charge amount or more. When the deposited amount becomes equal to or more than the charge amount, the charge processing unit 18C transmits the charge amount information to the electronic money management server 30.
  • the charge processing unit 18C transmits the charge amount information to the electronic money management server 30.
  • the charge processing unit 18C sends the management ID read from the QR code 61 to the electronic money management server 30 in addition to the charge amount information. Send.
  • the charge processing unit 18C When the deposit amount exceeds the charge amount, the charge processing unit 18C causes the bill processing unit 15 to pay out the change bills. If the deposited amount is less than the charge amount, the charge processing unit 18C does not start charging. However, even if the deposit amount is less than the charge amount, if the user performs a predetermined operation, the charge for the deposit amount may be executed.
  • the charge processing unit 18C instructs the receipt printer 13 to issue a receipt 60 printed with the charge result. Printing of the receipt 60 by the receipt printer 13 is executed after the QR code 61 is generated.
  • the charge processing unit 18C also receives the balance data 17B from the electronic money management server 30.
  • the received balance data 17B is used to display the balance.
  • the QR code generation unit 18D is a function of generating a QR code 61 to be printed on the receipt 60.
  • the QR code 61 may include only the management ID, or may include the management ID and other information. For example, it may include information on balance and expiration date. In the case of additional charge, the same pattern as the QR code 61 read by the QR code reader 14 is generated.
  • the QR code decoding unit 18E is a function for decoding an image of the QR code 61 captured for additional charge or refund of the balance.
  • the balance refund control unit 18F acquires the balance data 17B of the electronic money associated with the management ID decoded from the QR code 61 when the user instructs the refund of the electronic money, and refunds the balance or a part of the balance. Is a function of instructing the bill processing unit 15.
  • FIG. 5 is a diagram illustrating an example of the internal configuration of the electronic commerce management server 30 used in the first embodiment.
  • the electronic commerce management server 30 shown in FIG. 5 has a display unit 31, an operation unit 32, a communication unit 33, a storage unit 34, and a control unit 35.
  • the operation unit 32 is an input device including a mouse, a keyboard, and the like.
  • the communication unit 33 is an interface for communicating with the charging machine 10, the auto register 40, and the POS register 50 via the network 20.
  • the storage unit 34 is an auxiliary storage device such as a non-volatile memory or a hard disk device. In the case of the present embodiment, the electronic money management data 34A is stored in the storage unit 34.
  • the storage unit 34 also stores the IP addresses of the charging machine 10, the auto register 40, the POS register 50, and the like.
  • the electronic money management data 34A is data for recording transactions of electronic money charged by the charging machine 10.
  • FIG. 6 is a diagram illustrating an example of electronic money management data 34A.
  • the electronic money management data 34A shown in FIG. 6 is composed of a management ID and a transaction history.
  • “C0001" is exemplified as the management ID.
  • the transaction history includes the date and time of the transaction, the balance, and remarks.
  • a list of transaction histories is recorded, but only the latest transaction history may be recorded.
  • the first transaction is a charge
  • the second and third transactions are payments
  • the fourth transaction is a refund. Therefore, the balance in the fourth transaction is 0 (zero).
  • the payment amount is also recorded, but only the type of transaction may be used.
  • the management ID is maintained even after the balance becomes 0 (zero), but when the balance becomes 0 (zero), even if the corresponding management ID is excluded from the management target. good. That is, "C0001" and its transaction history may be deleted.
  • the control unit 35 has a CPU, a ROM in which the BIOS and the like are stored, and a RAM and the like used as a work area.
  • the control unit 35 is a so-called computer, and realizes various functions through the execution of a program.
  • the control unit 35 functions as a management ID giving unit 35A, an electronic money management unit 35B, a balance notification unit 35C, and a settlement amount withdrawal unit 35D through the execution of the program.
  • the management ID assigning unit 35A assigns a management ID when the electronic money charge is a new charge. When the charge amount received from the charging machine 10 does not include the management ID information, the management ID assigning unit 35A considers it as a new charge.
  • the electronic money management unit 35B manages the transaction of electronic money in association with the management ID. The transaction history is stored in the storage unit 34 as electronic money management data 34A.
  • the balance notification unit 35C When the balance notification unit 35C requests the balance of the electronic money associated with the management ID from the charging machine 10 or the like, the balance notification unit 35C notifies the requesting source of the balance data.
  • the balance request appears, for example, when inquiring or refunding the balance of electronic money.
  • the settlement amount withdrawal unit 35D executes a process of withdrawing the settlement amount from the balance of the electronic money used for the settlement when the transaction of the electronic money is a settlement.
  • the settlement amount is an example of settlement information.
  • FIG. 7 is a diagram illustrating an example of the internal configuration of the auto register 40 used in the first embodiment.
  • the auto register 40 shown in FIG. 7 includes a display unit 41, an operation unit 42, an optical sensor 43, a tag data reading unit 44, a receipt printer 45, a QR code reader 46, a communication unit 47, and a storage unit 48. , And a control unit 49.
  • the operation unit 42 is an operation button or switch. However, a capacitive film sensor installed on the surface of the display unit 41 to form a touch panel may be used.
  • a plurality of optical sensors 43 are installed, for example, in a tray stand or a storage place for shopping carts. By blocking the light rays of the optical sensor 43, the installation of the tray or the shopping cart can be known, and the position where the tray or the shopping basket is placed can be known at the position where the light rays of the optical sensor 43 are blocked.
  • the tag data reading unit 44 reads the product ID information from the ID tag attached to the tableware on the tray or the product in the shopping cart.
  • the receipt printer 45 prints the payment result on the receipt and outputs it.
  • the settlement result includes the contents of food and drink recognized as the object of settlement, the price, the settlement amount, the date and time of settlement, and the like.
  • the QR code reader 46 takes an image of the QR code 61 (see FIG. 3) of the receipt 60 (see FIG. 3) placed on the reading surface, decodes the image of the captured QR code 61, and associates it with electronic money. Acquire the management ID that is being used. The acquired management ID is transmitted to the electronic money management server 30 together with the payment amount.
  • the QR code reader 46 is an example of a reading unit.
  • the communication unit 47 is an interface for communicating with the electronic money management server 30 via the network 20.
  • the storage unit 48 is an auxiliary storage device such as a non-volatile memory or a hard disk device.
  • the storage unit 48 records a price table or the like in which product information and prices are linked to ID information.
  • the ID information here is information read from the ID tag.
  • the control unit 49 has a CPU, a ROM in which the BIOS and the like are stored, and a RAM and the like used as a work area.
  • the control unit 49 is a so-called computer, and realizes various functions through the execution of a program.
  • the control unit 49 functions as a QR code decoding unit 49A, a payment amount calculation unit 49B, a payment amount notification unit 49C, and a payment result acquisition unit 49D through the execution of the program.
  • the QR code decoding unit 49A is a function of decoding the image of the QR code 61 read for payment.
  • the settlement amount calculation unit 49B is a function of calculating the total price (that is, the settlement amount) associated with the ID information read from the product ID tag.
  • the payment amount notification unit 49C is a function of notifying the electronic money management server 30 of the calculated payment amount.
  • the settlement result acquisition unit 49D is a function of acquiring the settlement result from the electronic money management server 30.
  • FIG. 8 is a diagram illustrating an example of the internal configuration of the POS register 50 used in the first embodiment.
  • the POS register 50 shown in FIG. 8 includes a display operation unit 51, a bill processing unit 52, a coin processing unit 53, a receipt printer 54, a QR code reader 55, a communication unit 56, a storage unit 57, and a control unit. It has 58 and.
  • the display operation unit 51 is composed of, for example, a touch panel and is used for operations such as cash register staff.
  • the banknote processing unit 52 is a device unit that executes processing such as authenticity determination, storage of banknotes, and return of banknotes for the inserted banknotes.
  • the coin processing unit 53 is a device unit that executes processing such as authenticity determination of inserted coins, storage of coins, and refund of change coins.
  • the bill processing unit 52 and the coin processing unit 53 are provided in preparation for the case where the user makes a payment with money.
  • the receipt printer 54 prints the payment result on the receipt and outputs it.
  • the settlement result includes the contents of food and drink recognized as the object of settlement, the price, the settlement amount, the date and time of settlement, and the like.
  • the QR code reader 55 captures the QR code 61 of the receipt 60 placed on the reading surface, decodes the image of the captured QR code 61, and acquires the management ID associated with the electronic money.
  • the acquired management ID is transmitted to the electronic money management server 30 (see FIG. 1) together with the payment amount.
  • the QR code reader 55 is an example of a reading unit.
  • the communication unit 56 is an interface for communicating with the electronic money management server 30 via the network 20.
  • the storage unit 57 is an auxiliary storage device such as a non-volatile memory or a hard disk device.
  • the storage unit 57 records a price table or the like in which product information and prices are linked to ID information.
  • the ID information here is information read from the ID tag.
  • the control unit 58 has a CPU, a ROM in which the BIOS and the like are stored, and a RAM and the like used as a work area.
  • the control unit 58 is a so-called computer, and realizes various functions through the execution of a program.
  • the control unit 58 functions as a QR code decoding unit 58A, a payment amount calculation unit 58B, a payment amount notification unit 58C, and a payment result acquisition unit 58D through the execution of the program.
  • the QR code decoding unit 58A is a function of decoding the image of the QR code 61 (see FIG. 3) read for payment.
  • the settlement amount calculation unit 58B is a function of calculating the total price (that is, the settlement amount) associated with the ID information read from the ID tag of the product.
  • the payment amount notification unit 58C is a function of notifying the electronic money management server 30 (see FIG. 1) of the calculated payment amount.
  • the settlement result acquisition unit 58D is a function of acquiring the settlement result from the electronic money management server 30.
  • FIG. 9 is a diagram illustrating an example of a new charge processing operation according to the first embodiment.
  • the symbol S in the figure means a step.
  • the charging machine 10 starts the deposit process (step 1).
  • the deposit process is started when a charge is selected on the operation screen. Here, a new charge is selected.
  • the charging machine 10 detects the insertion of a bill that is equal to or greater than the charge amount specified by the user, the charging machine 10 transmits the charge amount to the electronic money management server 30 (step 2). Further, when a bill exceeding the charge amount specified by the user is inserted, the charging machine 10 pays out the difference from the charge amount as change.
  • the electronic money management server 30 that has received the charge amount assigns a management ID (step 3).
  • the electronic money management server 30 associates and records the charge amount with the management ID (step 4). That is, the management by the electronic money management data 34A (see FIG. 6) is started. After that, the electronic commerce management server 30 transmits the management ID and the completion of the charge to the charging machine 10 which is the transmission source of the charge amount (step 5). The charging machine 10 generates a QR code 61 using the management ID and prints it on the receipt 60 (step 6).
  • FIG. 10 is a diagram illustrating an example of an additional charge processing operation according to the first embodiment.
  • a reference numeral corresponding to a portion corresponding to that in FIG. 9 is added.
  • the charging machine 10 starts the deposit process (step 1).
  • the deposit process is started when a charge is selected on the operation screen.
  • an additional charge is selected. Therefore, the charging machine 10 executes reading of the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 11).
  • the charging machine 10 decodes the image of the QR code 61 and acquires the management ID (step 12).
  • the charging machine 10 detects the insertion of an additional charge amount specified by the user or a bill exceeding the additional charge amount, the charging machine 10 transmits the management ID and the additional charge amount to the electronic money management server 30 (step 13).
  • the charging machine 10 pays out the difference from the additional charge amount as change.
  • the electronic commerce management server 30 that has received the additional charge amount and the management ID updates the balance of the management ID (step 14). Specifically, the amount obtained by adding the additional charge amount to the latest balance associated with the received management ID is recorded in the balance of the electronic money management data 34A (see FIG. 6). After that, the electronic commerce management server 30 transmits the completion of the update of the management ID and the balance to the charging machine 10 which is the transmission source of the additional charge amount (step 15). The charging machine 10 generates a QR code 61 using the management ID and prints it on the receipt 60 (step 6).
  • FIG. 11 is a diagram illustrating an example of a processing operation at the time of settlement in the first embodiment.
  • Settlement is started at the auto cash register 40 or the POS cash register 50.
  • the auto register 40 and the POS register 50 are collectively referred to as "auto register 40 and the like”.
  • the auto cash register 40 or the like registers the product or the like to be settled (step 21). Registration of products, etc. may be performed automatically, or it may be performed by cashier staff or users.
  • the auto cash register 40 or the like calculates the settlement amount (step 22). After this, the payment method is selected. In FIG. 11, payment by the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) is selected. Therefore, the auto cash register 40 and the like read the QR code 61 printed on the receipt 60 (step 23). Next, the auto register 40 or the like decodes the image of the QR code 61 and acquires the management ID (step 24). When the management ID is acquired, the auto cash register 40 or the like transmits the management ID and the payment amount to the electronic money management server 30 (step 25).
  • the electronic money management server 30, which is the destination, receives the management ID and the payment amount (step 26).
  • the electronic money management server 30 that has received the management ID and the payment amount determines whether or not the latest balance associated with the management ID is equal to or greater than the payment amount (step 27). If a negative result is obtained in step 27, the electronic money management server 30 notifies the auto-registration 40 and the like that payment cannot be made.
  • the auto cash register 40 or the like that has received this notification ends without settlement (step 28).
  • step 27 the electronic money management server 30 subtracts the settlement amount from the balance (step 29).
  • step 29 the electronic money management server 30 updates the balance associated with the management ID (step 30). Specifically, the balance associated with the management ID is updated to the amount obtained by subtracting the settlement amount from the immediately preceding balance.
  • the electronic money management server 30 notifies the auto-registration 40 and the like, which is the sender of the payment amount, of the management ID and the completion of the payment (step 31). As a result, the auto cash register 40 or the like that has received the notification ends the settlement (step 32).
  • FIG. 12 is a diagram illustrating an example of a processing operation at the time of refund in the first embodiment.
  • the refund is started at the charging machine 10.
  • the balance may be refunded at the auto cash register 40 or the like.
  • the charging machine 10 accepts the refund process (step 41).
  • the refund process is started when the refund is selected on the operation screen.
  • a full refund is assumed, but a partial refund of the balance may be possible.
  • the charging machine 10 executes reading of the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 42). Subsequently, the charging machine 10 decodes the image of the QR code 61 and acquires the management ID (step 43). When the management ID is acquired, the charging machine 10 transmits the management ID and the receipt of the refund event to the electronic money management server 30 (step 44).
  • the electronic commerce management server 30 that has received the management ID and the receipt of the refund event confirms the balance associated with the management ID and returns (step 45).
  • the charging machine 10 Upon receiving the balance information, the charging machine 10 instructs the bill processing unit 15 to refund the bills corresponding to the balance. After that, the charging machine 10 determines whether or not the refund is successful (step 46). If a negative result is obtained in step 46, the charging machine 10 notifies the electronic money management server 30 of the management ID and the failure of refund. In this case, the electronic commerce management server 30 does not update the balance of the notified management ID, but maintains the immediately preceding value (step 47).
  • step 46 the charging machine 10 notifies the electronic money management server 30 of the management ID and the refund amount (step 48).
  • the electronic commerce management server 30 notified from the charging machine 10 updates the balance associated with the management ID by the notified refund amount (step 49). Specifically, the balance is updated to 0 (zero). Alternatively, the electronic money management server 30 deletes the notified management ID and the like.
  • the electronic money management system 1 (see FIG. 1) described in the present embodiment can be used, for example, in a payment system of an employee cafeteria.
  • a magnetic prepaid card or the like is lent to an outpatient as a temporary user.
  • an accident may occur in which a foreigner accidentally brings back a magnetic prepaid card or the like.
  • the QR code 61 (see FIG. 3) representing the management ID associated with the deposit amount is printed on the receipt 60 (see FIG. 3).
  • the initial introduction cost is low because it only needs to be done.
  • a closed payment system with low operating costs can be realized.
  • FIG. 13 is a diagram illustrating an example of the electronic money management system 1A used in the second embodiment.
  • the electronic money management system 1A includes a charging machine 10A, a network 20, an auto cash register 40, and a POS cash register 50.
  • the electronic money management system 1A is different from the electronic money management system 1 (see FIG. 1) in the first embodiment in that the electronic money management server 30 (see FIG. 1) is not provided. Therefore, the charging machine 10A used in the present embodiment is provided with a function of managing the electronic money charged by the own machine.
  • the electronic money management system 1A in the present embodiment is also an example of a payment system.
  • the charging machine 10A is an example of the first terminal.
  • FIG. 14 is a diagram illustrating an example of the internal configuration of the charging machine 10A used in the second embodiment.
  • FIG. 14 is shown with reference numerals corresponding to the portions corresponding to those in FIG.
  • the charging machine 10A shown in FIG. 14 also has a display operation unit 11, a voice output unit 12, a receipt printer 13, a QR code reader 14, a bill processing unit 15, a communication unit 16, a storage unit 17, and a control unit. It has 180 and.
  • the storage unit 17 in the present embodiment stores the electronic money management data (that is, electronic money management data) 17C charged by the own machine.
  • the data structure of the electronic money management data 17C is the same as that of the electronic money management data 34A (see FIG. 6). Since the electronic money management data 17C, which is master data, is stored in the storage unit 17, it is not necessary to separately store the deposit data and the balance data.
  • the storage unit 17 is different from the electronic money management server 30 (see FIG. 1) in the first embodiment in that only the electronic money charged by the own machine is stored.
  • the control unit 180 has a CPU, a ROM in which a BIOS and the like are stored, a RAM and the like used as a work area, and the like.
  • the control unit 180 is a so-called computer, and realizes various functions through the execution of a program.
  • the control unit 180 includes the functions of the control unit 18 (see FIG. 4) described in the first embodiment and the electronic money management server 30 (see FIG. 1) described in the first embodiment. It has the function of the constituent control unit 35 (see FIG. 5).
  • the control unit 180 includes a display control unit 18A, a charge amount specifying unit 18B, a charge processing unit 18C, a QR code generation unit 18D, a QR code decoding unit 18E, a balance refund control unit 18F, and a management ID assigning unit 18G. It functions as an electronic money management unit 18H, a balance notification unit 18J, and a payment amount withdrawal unit 18K.
  • the management ID assigning unit 18G corresponds to the management ID assigning unit 35A (see FIG. 5)
  • the electronic money management unit 18H corresponds to the electronic money management unit 35B (see FIG. 5)
  • the balance notification unit 18J corresponds to the balance notification unit 18J.
  • the settlement amount withdrawal unit 18K corresponds to the settlement amount withdrawal unit 35D (see FIG. 5).
  • the QR code generation unit 18D in the present embodiment differs from the first embodiment in that the QR code 61 (see FIG. 3) including information for specifying the charging machine 10A that issued the electronic money is generated. ..
  • the information for specifying the charging machine 10A is, for example, an IP address on the network 20.
  • information such as a management number and an installation location assigned to the charging machine 10A may be included in place of or together with the IP address on the network 20.
  • the information associated with these information to the IP address on the network is used as the auto register 40 (see FIG. 13) or the POS register 50 (see FIG. 13).
  • adopt a mechanism to store in a server (not shown). By adopting these mechanisms, it becomes possible to access the charging machine 10A in which the electronic money used for payment is managed.
  • FIG. 15 is a diagram illustrating an example of a new charge processing operation according to the second embodiment.
  • FIG. 15 is shown with reference numerals corresponding to the portions corresponding to those in FIG.
  • the charging machine 10A starts the deposit processing (step 1).
  • the deposit process is started when a charge is selected on the operation screen.
  • a new charge is selected.
  • the charging machine 10A detects the insertion of a bill that is equal to or greater than the charge amount specified by the user, the charging machine 10A assigns a management ID (step 3).
  • the charging machine 10A pays out the difference from the charge amount as change.
  • the management ID here is unique information in the charging machine 10A that accepts the charge of electronic money. This is because the QR code 61 also includes information for identifying the own machine. However, as the management ID, an ID may be attached so as to be globally unique.
  • the charging machine 10A associates the charge amount with the management ID and records it (step 4). That is, the management by the electronic money management data 17C (see FIG. 14) is started.
  • the charging machine 10A After that, the charging machine 10A generates a QR code 61 (see FIG. 3) using the management ID and prints it on the receipt 60 (see FIG. 3) (step 6).
  • the QR code 61 also includes information for identifying the charging machine 10A.
  • the charging machine 10A can be specified by the management ID, it is not necessary to prepare the information for specifying the charging machine 10A separately from the management ID. Unlike the case of the first embodiment, the operation is completed in the charging machine 10A.
  • FIG. 16 is a diagram illustrating an example of an additional charge processing operation according to the second embodiment.
  • a reference numeral corresponding to a portion corresponding to that in FIG. 10 is added.
  • the charging machine 10A starts the deposit processing (step 1).
  • the deposit process is started when a charge is selected on the operation screen.
  • an additional charge is selected. Therefore, the charging machine 10A executes reading of the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 11).
  • the charging machine 10A decodes the image of the QR code 61 and acquires the management ID (step 12).
  • the charging machine 10A updates the balance of the management ID (step 14). .. Specifically, the amount obtained by adding the additional charge amount to the latest balance associated with the acquired management ID is recorded in the electronic money management data 17C (see FIG. 14).
  • the charging machine 10A generates a QR code 61 using the management ID and prints it on the receipt 60 (step 6). The operation of the additional charge is completed within the charging machine 10A.
  • FIG. 17 is a diagram illustrating an example of a processing operation at the time of settlement in the second embodiment.
  • FIG. 17 is shown with reference numerals corresponding to the portions corresponding to those in FIG.
  • Settlement is started at the auto cash register 40 or the POS cash register 50.
  • auto cash register 40 etc First, the auto cash register 40 or the like registers the product or the like to be settled (step 21). Registration of products, etc. may be performed automatically, or it may be performed by cashier staff or users.
  • the auto cash register 40 or the like calculates the settlement amount (step 22). After this, the payment method is selected. In FIG. 17, payment by the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) is selected. Therefore, the auto cash register 40 and the like read the QR code 61 printed on the receipt 60 (step 23). Next, the auto register 40 or the like decodes the image of the QR code 61 and acquires the management ID and the address of the charging machine 10A (step 24A). When the management ID and the address are acquired, the auto cash register 40 or the like transmits the management ID and the payment amount to the acquired address as the destination (step 25).
  • the charging machine 10A which is the destination, receives the management ID and the payment amount (step 26).
  • the charging machine 10A that has received the management ID and the settlement amount determines whether or not the latest balance associated with the management ID is equal to or greater than the settlement amount (step 27). If a negative result is obtained in step 27, the charging machine 10A notifies the auto cash register 40 and the like that payment cannot be made.
  • the auto cash register 40 or the like that has received this notification ends without settlement (step 28).
  • step 27 the charging machine 10A subtracts the settlement amount from the balance (step 29).
  • step 30 the charging machine 10A updates the balance associated with the management ID (step 30). Specifically, the balance associated with the management ID is updated to the amount obtained by subtracting the settlement amount from the immediately preceding balance.
  • the charging machine 10A notifies the auto cash register 40 or the like, which is the transmission source of the payment amount, of the management ID and the completion of the payment (step 31). As a result, the auto cash register 40 or the like that has received the notification ends the settlement (step 32).
  • FIG. 18 is a diagram illustrating an example of a processing operation at the time of refund in the second embodiment.
  • FIG. 18 is shown with reference numerals corresponding to the portions corresponding to those in FIG.
  • the refund is started in the charging machine 10A.
  • the balance may be refunded at the auto cash register 40 or the like.
  • the charging machine 10A accepts the refund process (step 41).
  • the refund process is started when the refund is selected on the operation screen. In the case of FIG. 18, a full refund is assumed, but a partial refund of the balance may be possible.
  • the charging machine 10A executes reading of the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 42). Subsequently, the charging machine 10A decodes the image of the QR code 61 and acquires the management ID (step 43). When the acquired management ID is managed by the own machine, the charging machine 10A confirms the balance associated with the management ID (step 45A). When the acquired management ID is managed by another charging machine 10A, the charging machine 10A communicates with the other charging machine 10A using the address read together with the management ID, and confirms the balance.
  • the charging machine 10A instructs the bill processing unit 15 to refund the bills corresponding to the balance. After that, the charging machine 10A determines whether or not the refund is successful (step 46). If a negative result is obtained in step 46, the charging machine 10A does not update the balance and maintains the immediately preceding value (step 47).
  • step 46 the charging machine 10A updates the balance (step 49). Specifically, the balance is updated to 0 (zero). Alternatively, the management ID or the like is deleted. When the management ID is managed by another charging machine 10A, the charging machine 10A instructs the other charging machine 10A to update the balance.
  • FIG. 19 is a diagram illustrating an example of the electronic money management system 1B used in the third embodiment.
  • FIG. 19 is shown with reference numerals corresponding to the portions corresponding to those in FIG. 13.
  • the electronic commerce management system 1B differs from the second embodiment in that not only the electronic commerce management server 30 (see FIG. 1) but also the charging machine 10A is not connected to the network 20. That is, the electronic money management system 1B shown in FIG. 19 is composed of a network 20, an auto register 40, and a POS register 50A.
  • POS cash register # 1 is an example of a first terminal
  • POS cash register # 2 is an example of a second terminal.
  • the electronic money management system 1B it is assumed that at least one of the two POS cash registers 50A is provided with a receipt printer, a QR code reader, and a function for charging electronic money. However, in the present embodiment, it is assumed that both "POS cash register # 1" and "POS cash register # 2" satisfy the conditions. It should be noted that the auto cash register 40 is not excluded from being provided with a receipt printer, a QR code reader, and a function of charging electronic money.
  • FIG. 20 is a diagram illustrating an example of the internal configuration of the POS register 50A used in the third embodiment.
  • the POS cash register 50A also includes a display operation unit 51, a bill processing unit 52, a coin processing unit 53, a receipt printer 54, a QR code reader 55, a communication unit 56, a storage unit 57, and a control unit 580.
  • a display operation unit 51 a bill processing unit 52, a coin processing unit 53, a receipt printer 54, a QR code reader 55, a communication unit 56, a storage unit 57, and a control unit 580.
  • the storage unit 57 in the present embodiment stores the electronic commerce management data (that is, electronic commerce management data) 57A charged by the own machine.
  • the data structure of the electronic money management data 57A is the same as that of the electronic money management data 34A (see FIG. 6). Since the electronic money management data 57A, which is master data, is stored in the storage unit 57, it is not necessary to separately store the deposit data and the balance data.
  • the storage unit 57 is different from the electronic money management server 30 (see FIG. 1) in the first embodiment in that only the electronic money charged by the own machine is stored.
  • the control unit 580 has a CPU, a ROM in which the BIOS and the like are stored, a RAM and the like used as a work area, and the like.
  • the control unit 580 is a so-called computer, and realizes various functions through the execution of a program.
  • the control unit 580 has the functions of the control unit 58 (see FIG. 8) constituting the POS register 50 (see FIG. 8) in the first embodiment and the charging machine 10A (see FIG. 8) in the second embodiment. It has the function of the control unit 180 (see FIG. 14) constituting the control unit 180 (see FIG. 14).
  • the control unit 580 includes a QR code decoding unit 58A, an unpaid amount calculation unit 58B, a payment amount notification unit 58C, a payment result acquisition unit 58D, a display control unit 58E, a charge amount specifying unit 58F, and a charge processing unit 58G. It functions as a QR code generation unit 58H, a balance refund control unit 58J, a management ID giving unit 58K, an electronic money management unit 58L, a balance notification unit 58M, and a settlement amount withdrawal unit 58N.
  • the display control unit 58E corresponds to the display control unit 18A (see FIG. 14)
  • the charge amount specifying unit 58F corresponds to the charge amount specifying unit 18B (see FIG. 14)
  • the charge processing unit 58G corresponds to the charge processing unit 58G.
  • the QR code generation unit 58H corresponds to the QR code generation unit 18D (see FIG. 14).
  • the balance refund control unit 58J corresponds to the balance refund control unit 18F (see FIG. 14)
  • the management ID assignment unit 58K corresponds to the management ID assignment unit 18G (see FIG. 14)
  • the electronic money management unit 58L corresponds to the electronic money management unit 58L.
  • the balance notification unit 58M corresponds to the balance notification unit 18J (see FIG. 14)
  • the settlement amount withdrawal unit 58N is the settlement amount withdrawal unit 18K (see FIG. 14). 14).
  • the QR code generation unit 58H in the present embodiment is different from the second embodiment in that the QR code generation unit 58H generates a QR code 61 (see FIG. 3) including information for specifying the POS register 50A that issued the electronic money. ..
  • the information for specifying the POS register 50A is, for example, an IP address on the network 20.
  • information such as an administrative number and an installation location assigned to the POS register 50A in place of or together with the IP address on the network 20 may be included.
  • information such as management numbers and installation locations the information associated with these information to the IP address on the network is used in the auto register 40 (see FIG. 19) and other POS registers 50A (FIG. 19). (See) or adopt a mechanism to store in a server (not shown). By adopting these mechanisms, it becomes possible to access the POS cash register 50A in which the electronic money used for payment is managed.
  • FIG. 21 is a diagram illustrating an example of a new charge processing operation according to the third embodiment. 21 is shown with a reference numeral corresponding to the portion corresponding to FIG. In FIG. 21, it is assumed that electronic commerce is charged by "POS cash register # 1" out of two POS cash registers 50A.
  • POS cash register # 1 starts the deposit process (step 1).
  • the deposit process is started when a charge is selected on the operation screen.
  • a new charge is selected.
  • the "POS cash register # 1" assigns a management ID when it detects the insertion of a bill that is equal to or greater than the charge amount specified by the user (step 3).
  • the "POS cash register # 1" pays out the difference from the charge amount as change.
  • the management ID here is unique information in the "POS cash register # 1" that accepts the charge of electronic money. This is because the QR code 61 (see FIG. 3) also includes information for identifying the own machine. However, as the management ID, an ID may be attached so as to be globally unique.
  • the "POS cash register # 1" records the deposit amount in association with the management ID (step 4). That is, the management by the electronic money management data 57A (see FIG. 20) is started.
  • the "POS register # 1" After that, the "POS register # 1" generates a QR code 61 (see FIG. 3) using the management ID and prints it on the receipt 60 (see FIG. 3) (step 6).
  • the QR code 61 also includes information for identifying the charging machine 10A.
  • the "POS register # 1" can be specified by the management ID, it is not necessary to use the information for specifying the "POS register # 1" separately from the management ID.
  • FIG. 22 is a diagram illustrating an example of an additional charge processing operation according to the third embodiment.
  • FIG. 22 is shown with reference numerals corresponding to the portions corresponding to those in FIG.
  • the "POS cash register # 1" starts the deposit process (step 1).
  • the deposit process is started when a charge is selected on the operation screen.
  • an additional charge is selected. Therefore, the "POS register # 1" reads the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 11).
  • the "POS register # 1" decodes the image of the QR code 61 and acquires the management ID (step 12).
  • "POS cash register # 1" updates the balance of the management ID (. Step 14). Specifically, the amount obtained by adding the deposit amount to the latest balance associated with the acquired management ID is recorded in the electronic money management data 57A (see FIG. 20).
  • the "POS register # 1" generates a QR code 61 using the management ID and prints it on the receipt 60 (step 6).
  • FIG. 23 is a diagram illustrating an example of a processing operation at the time of settlement in the third embodiment.
  • the settlement is started at the auto cash register 40 or the “POS cash register # 2”.
  • auto cash register 40 etc the auto cash register 40 or the like registers the product or the like to be settled (step 21). Registration of products, etc. may be performed automatically, or it may be performed by the cashier staff or the user himself.
  • the auto cash register 40 or the like calculates the settlement amount (step 22). After this, the payment method is selected. In FIG. 23, payment by the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) is selected. Therefore, the auto cash register 40 and the like read the QR code 61 printed on the receipt 60 (step 23). Next, the auto cash register 40 or the like decodes the image of the QR code 61 and acquires the management ID and the address of the “POS cash register # 1” (step 24B). Here, "POS cash register # 1" is positioned as a charging machine. When the management ID and the address are acquired, the auto cash register 40 or the like transmits the management ID and the payment amount to the acquired address as the destination (step 25).
  • the destination "POS cash register # 1" receives the management ID and the payment amount (step 26).
  • the "POS cash register # 1" that has received the management ID and the settlement amount determines whether or not the latest balance associated with the management ID is equal to or greater than the settlement amount (step 27). If a negative result is obtained in step 27, the "POS cash register # 1" notifies the auto cash register 40 and the like that payment cannot be made. The auto cash register 40 or the like that has received this notification ends without settlement (step 28).
  • step 27 if an affirmative result is obtained in step 27, "POS cash register # 1" deducts the settlement amount from the balance (step 29).
  • "POS cash register # 1" updates the balance associated with the management ID (step 30). Specifically, the balance associated with the management ID is updated to the amount obtained by subtracting the settlement amount from the immediately preceding balance.
  • the "POS cash register # 1" notifies the auto cash register 40 or the like, which is the sender of the payment amount, of the management ID and the completion of the payment (step 31). As a result, the auto cash register 40 or the like that has received the notification ends the settlement (step 32).
  • FIG. 24 is a diagram illustrating an example of a processing operation at the time of refund in the third embodiment.
  • reference numerals corresponding to the portions corresponding to those in FIG. 18 are added.
  • the refund starts at "POS cash register # 1".
  • the balance may be refunded at the auto cash register 40 or the like.
  • "POS cash register # 1" accepts the refund process (step 41). The refund process is started when the refund is selected on the operation screen. In the case of FIG. 24, a full refund is assumed, but a partial refund of the balance may be possible.
  • the "POS register # 1" reads the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 42). Subsequently, the "POS register # 1" decodes the image of the QR code 61 and acquires the management ID (step 43). When the acquired management ID is managed by the own machine, "POS cash register # 1" confirms the balance associated with the management ID (step 45A). When the acquired management ID is managed by "POS cash register # 2", "POS cash register # 1" communicates with "POS cash register # 2" using the address read together with the management ID to check the balance. do.
  • step 46 determines whether or not the refund was successful (step 46). If a negative result is obtained in step 46, the "POS register # 1" does not update the balance and maintains the immediately preceding value (step 47). On the other hand, if an affirmative result is obtained in step 46, "POS cash register # 1" updates the balance (step 49). Specifically, the balance is updated to 0 (zero). Alternatively, the management ID or the like is deleted. When the management ID is managed by "POS cash register # 2", "POS cash register # 1" instructs "POS cash register # 2" to update the balance.
  • the POS cash register 50A is provided with a charge function and an electronic money management function
  • the auto cash register 40 may also be provided with a charge function and an electronic money management function.
  • the receipt printer and the QR code reader are also provided in the auto register 40 or are externally connected.
  • a card reader / writer for writing electronic money information is arranged on an IC card or a smartphone compatible with electronic money payment. It may have been done.
  • NFC Near Field Communication
  • NFC Near Field Communication
  • the card reader / writer becomes able to communicate with the IC card or the like, and writes or reads information from the IC card or the like.
  • the QR code 61 (see FIG. 3) is printed on the receipt 60 (see FIG. 3), but a barcode or other code information may be used, and the QR code 61 (see FIG. 3) may be linked to electronic money. It may be a character string or a number string, or it may be a face image of a user charged with electronic money. These pieces of information are examples of identification information associated with the deposit amount.
  • the barcode is a pattern in which a management ID or the like is encoded. Further, the character string or the number string may be given, for example, with a predetermined number of digits.
  • OCR Optical Character Recognition
  • the operation may not be printed on the receipt 60 (see FIG. 3). It is possible.
  • the face image is registered in the electronic money management server 30, the user's face image may be imaged and collated at the time of payment, and if a match is confirmed, payment or refund using electronic money may be possible. ..
  • the receipt printer 13 (see FIG. 2) and the QR code reader (see FIG. 2) are integrated with the charging machine 10 (see FIG. 2), but with respect to the charging machine 10. It may be externally attached.
  • the external attachment here includes the case of being connected by wireless communication. The same applies to the auto cash register 40 and the POS cash register 50.
  • the electronic money management data 34A may include information that identifies the user.
  • FIG. 25 is a diagram illustrating an example of recording a charge using electronic money management data 34A including information for identifying a user.
  • (A) is an example of a new charge
  • (B) is an example of an additional charge.
  • the employee ID is used as the information for identifying the user.
  • the information that identifies the user may be a user ID or e-mail address other than the employee ID.
  • FIG. 25A shows a recording example of the electronic money management data 34A when the same user makes a new charge.
  • the electronic money associated with the management ID "C0001" and the electronic money associated with "C0002" have the same employee ID, but are managed separately.
  • the new charge is described only as “charge” in the remarks column.
  • FIG. 25B shows a recording example of the electronic money management data 34A when the user additionally charges using the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3). ing.
  • the QR code 61 see FIG. 3
  • FIG. 25B no new management ID is issued and the balance is changed from 3460 yen to 8460 yen.
  • "additional charge" is described in the remarks column.
  • the employee ID is entered when charging electronic money.
  • the employee ID recorded in the employee ID card may be given to the charging machine 10 (see FIG. 1) by NFC communication, or the employee information may be input on the operation screen of the charging machine 10 or the like.
  • the management ID of the electronic money By associating the management ID of the electronic money with the information that identifies the user, even if the receipt 60 on which the QR code 61 associated with the electronic money is printed is lost, it can be transferred to another management ID through the employee ID. Integration is possible. That is, the balance of deposits can be transferred.
  • the payment can be executed using the employee ID or the like. Further, it is possible to make a difference in handling between the electronic money to which the employee ID is associated and the electronic money to which the employee ID is not associated. For example, the expiration date of the electronic money associated with the employee ID may be longer than the expiration date of the electronic money associated with the employee ID. Further, for example, the extension of the expiration date may be permitted only for the electronic money associated with the employee ID.
  • the payment of the additional charge amount is accepted after reading the QR code printed on the receipt at the time of the additional charge, but the additional charge destination is specified after the payment of the additional charge amount. You may execute the reading of the QR code.

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

This payment system comprises a first terminal having at least a money-receiving mechanism, a second terminal communicatively connected to the first terminal, and an output unit capable of outputting identification information associated with the received amount having been received in the first terminal. The second terminal is provided with a read unit for reading the identification information outputted by the output unit, and the second terminal is capable of making payment within the amount associated with the read identification information.

Description

決済システム及び決済方法Payment system and payment method
　本発明は、決済システム及び決済方法に関する。 The present invention relates to a payment system and a payment method.
　今日、様々な決済において、電子マネーが使用されている。電子マネーの入金（以下「チャージ」という）には、チャージ機が使用される。ユーザがチャージ機に貨幣を入金すると、入金された貨幣の金額分の電子マネーが、ユーザが携帯するＩＣカードやスマートフォンに書き込まれ、又は、ネットワーク上のサーバーに書き込まれる。前者はカード型の電子マネーと呼ばれ、後者はサーバー型の電子マネーと呼ばれる。
　特許文献１には、スマートフォン等の携帯端末を有しない送金元や送金相手のメールアドレスを知らない送金元による電子マネーの贈与を可能とする仕組みとして、電子マネーの発行に必要な識別番号をＱＲコード（登録商標）に印刷したレシートを発行するシステムが記載されている。 Today, electronic commerce is used in various payments. A charging machine is used to deposit electronic money (hereinafter referred to as "charge"). When the user deposits money into the charging machine, the electronic money equivalent to the amount of the deposited money is written to the IC card or smartphone carried by the user, or written to the server on the network. The former is called card-type electronic money, and the latter is called server-type electronic money.
Patent Document 1 describes the identification number required for issuing electronic money as a mechanism that enables remittance sources who do not have a mobile terminal such as a smartphone or who do not know the e-mail address of the remittance partner to donate electronic money. A system for issuing a printed receipt is described in the code (registered trademark).
特開２００８－２２５８３２号公報Japanese Unexamined Patent Publication No. 2008-225832
　特許文献１に記載のシステムの場合、贈与を受けた電子マネーの利用には、電子マネーの贈与を受けたユーザが、自身の携帯端末でレシートのＱＲコードを撮像し、贈与される電子マネーの情報を管理するサーバーに対して電子マネーの発行を要求する必要がある。
　現在用いられているシステムの多くは、電子マネーの発行や利用にＩＣカードや携帯端末等の携帯を必要とする。 In the case of the system described in Patent Document 1, in order to use the gifted electronic commerce, the user who received the gift of the electronic commerce images the QR code of the receipt with his / her own mobile terminal, and the gifted electronic commerce is used. It is necessary to request the issuance of electronic money from the server that manages the information.
Many of the systems currently in use require mobile phones such as IC cards and mobile terminals to issue and use electronic money.
　本発明は、電子マネーを利用した決済に際してＩＣカードや携帯端末等の携帯を不要にすることを目的とする。 An object of the present invention is to eliminate the need for a mobile phone such as an IC card or a mobile terminal when making a payment using electronic money.
　請求項１に記載の発明は、少なくとも貨幣の入金機構を有する第１の端末と、前記第１の端末と通信可能に接続された第２の端末と、前記第１の端末に入金された入金額と紐付けられた識別情報を出力可能な出力部と、を有する決済システムであって、前記第２の端末には、前記出力部で出力された前記識別情報を読み取る読取部が設けられ、前記第２の端末は、読み取られた前記識別情報に紐付けられている金額以内の決済が可能である、決済システムである。
　請求項２に記載の発明は、前記出力部は、前記識別情報を印刷する印刷手段である、請求項１に記載の決済システムである。
　請求項３に記載の発明は、前記印刷手段は、前記第１の端末に設けられている、請求項２に記載の決済システムである。
　請求項４に記載の発明は、前記入金額と、当該入金額に紐付けられた前記識別情報とを記憶する記憶部を更に有し、前記識別情報に紐付けられている残高よりも少ない金額による決済が前記第２の端末で実行された場合、当該第２の端末は、前記記憶部に記憶されている当該残高を、決済された金額を差し引いた金額に更新する、請求項１～３のいずれか１項に記載の決済システムである。
　請求項５に記載の発明は、前記記憶部は、前記第１の端末に設けられている、請求項４に記載の決済システムである。
　請求項６に記載の発明は、前記第１の端末と前記第２の端末に通信可能に接続されたサーバーを更に有し、前記記憶部は、前記サーバーに設けられている、請求項４に記載の決済システムである。
　請求項７に記載の発明は、前記第１の端末は、前記識別情報を読み取る第２の読取部を更に有し、前記第１の端末は、前記入金機構に対する貨幣の入金が確認された場合、前記第２の読取部で読み取られた前記識別情報と同一の識別情報に紐付けられている残高に入金された金額を加算する、請求項１～６のいずれか１項に記載の決済システムである。
　請求項８に記載の発明は、前記第１の端末は、貨幣を収納する収納部と、当該収納部に収納された貨幣を出金する出金部と、前記識別情報を読み取る第２の読取部とを更に有し、前記第１の端末は、前記第２の読取部で前記識別情報が読み取られた場合、当該識別情報に紐付けられている残高の一部又は全部を前記出金部からの出金を可能とする、請求項７に記載の決済システムである。
　請求項９に記載の発明は、第１の端末が、貨幣の入金を受け付けるステップと、前記第１の端末が、当該第１の端末に入金された金額に紐付けられた識別情報を生成するステップと、前記第１の端末と通信可能に接続された第２の端末で決済情報を取得するステップと、出力部が出力した前記識別情報を、前記第２の端末に設けた読取部で読み取るステップと、前記第２の端末が、前記読取部で読み取られた前記識別情報に紐付けられている金額以内で決済を行うステップとを有する決済方法である。 The invention according to claim 1 is a first terminal having at least a money deposit mechanism, a second terminal communicably connected to the first terminal, and a deposit deposited in the first terminal. It is a payment system having an output unit capable of outputting identification information associated with an amount of money, and the second terminal is provided with a reading unit for reading the identification information output by the output unit. The second terminal is a payment system capable of making payments within the amount of money associated with the read identification information.
The invention according to claim 2 is the payment system according to claim 1, wherein the output unit is a printing means for printing the identification information.
The invention according to claim 3 is the payment system according to claim 2, wherein the printing means is provided in the first terminal.
The invention according to claim 4 further has a storage unit for storing the deposit amount and the identification information associated with the deposit amount, and the amount is smaller than the balance associated with the identification information. When the settlement by is executed on the second terminal, the second terminal updates the balance stored in the storage unit to the amount obtained by subtracting the settlement amount, claims 1 to 3. The payment system according to any one of the above.
The invention according to claim 5 is the payment system according to claim 4, wherein the storage unit is provided in the first terminal.
The invention according to claim 6 further includes a server communicably connected to the first terminal and the second terminal, and the storage unit is provided in the server, claim 4. The payment system described.
The invention according to claim 7 is the case where the first terminal further has a second reading unit for reading the identification information, and the first terminal confirms the deposit of money to the deposit mechanism. The payment system according to any one of claims 1 to 6, wherein the amount deposited is added to the balance associated with the same identification information as the identification information read by the second reading unit. Is.
According to the eighth aspect of the present invention, the first terminal has a storage unit for storing money, a withdrawal unit for withdrawing money stored in the storage unit, and a second reading for reading the identification information. When the identification information is read by the second reading unit, the first terminal further has a unit, and when the identification information is read, a part or all of the balance associated with the identification information is used as the withdrawal unit. The payment system according to claim 7, which enables withdrawals from.
The invention according to claim 9 is to generate identification information associated with a step in which a first terminal accepts a deposit of money and the first terminal associated with an amount deposited in the first terminal. The step, the step of acquiring the payment information by the second terminal communicably connected to the first terminal, and the identification information output by the output unit are read by the reading unit provided in the second terminal. It is a payment method including a step and a step in which the second terminal makes a payment within the amount of money associated with the identification information read by the reading unit.
　本発明によれば、電子マネーを利用した決済に際してＩＣカードや携帯端末等の携帯を不要にできる。 According to the present invention, it is possible to eliminate the need for a mobile phone such as an IC card or a mobile terminal when making a payment using electronic money.
実施の形態１で使用する電子マネー管理システムの一例を説明する図である。It is a figure explaining an example of the electronic money management system used in Embodiment 1. FIG. 実施の形態１で使用するチャージ機の外観構成の一例を説明する図である。It is a figure explaining an example of the appearance structure of the charging machine used in Embodiment 1. FIG. 電子マネーの新規チャージ時に出力されるレシートの一例を説明する図である。It is a figure explaining an example of the receipt output at the time of a new charge of electronic money. 実施の形態１で使用するチャージ機の内部構成の一例を説明する図である。It is a figure explaining an example of the internal structure of the charging machine used in Embodiment 1. FIG. 実施の形態１で使用する電子マネー管理サーバーの内部構成の一例を説明する図である。It is a figure explaining an example of the internal structure of the electronic money management server used in Embodiment 1. FIG. 電子マネー管理データの一例を説明する図である。It is a figure explaining an example of electronic money management data. 実施の形態１で使用するオートレジの内部構成の一例を説明する図である。It is a figure explaining an example of the internal structure of the auto cash register used in Embodiment 1. FIG. 実施の形態１で使用するＰＯＳレジの内部構成の一例を説明する図である。It is a figure explaining an example of the internal structure of the POS cash register used in Embodiment 1. FIG. 実施の形態１における新規チャージの処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation of a new charge in Embodiment 1. FIG. 実施の形態１における追加チャージの処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation of the additional charge in Embodiment 1. FIG. 実施の形態１における決済時の処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation at the time of settlement in Embodiment 1. FIG. 実施の形態１における払い戻し時の処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation at the time of refund in Embodiment 1. FIG. 実施の形態２で使用する電子マネー管理システムの一例を説明する図である。It is a figure explaining an example of the electronic money management system used in Embodiment 2. FIG. 実施の形態２で使用するチャージ機の内部構成の一例を説明する図である。It is a figure explaining an example of the internal structure of the charging machine used in Embodiment 2. FIG. 実施の形態２における新規チャージの処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation of a new charge in Embodiment 2. FIG. 実施の形態２における追加チャージの処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation of the additional charge in Embodiment 2. FIG. 実施の形態２における決済時の処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation at the time of settlement in Embodiment 2. FIG. 実施の形態２における払い戻し時の処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation at the time of refund in Embodiment 2. FIG. 実施の形態３で使用する電子マネー管理システムの一例を説明する図である。It is a figure explaining an example of the electronic money management system used in Embodiment 3. FIG. 実施の形態３で使用するＰＯＳレジの内部構成の一例を説明する図である。It is a figure explaining an example of the internal structure of the POS cash register used in Embodiment 3. FIG. 実施の形態３における新規チャージの処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation of a new charge in Embodiment 3. FIG. 実施の形態３における追加チャージの処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation of the additional charge in Embodiment 3. FIG. 実施の形態３における決済時の処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation at the time of settlement in Embodiment 3. FIG. 実施の形態３における払い戻し時の処理動作の一例を説明する図である。It is a figure explaining an example of the processing operation at the time of refund in Embodiment 3. FIG. ユーザを特定する情報を含む電子マネー管理データを用いたチャージの記録例を説明する図である。（Ａ）は新規チャージの例であり、（Ｂ）は追加チャージの例である。It is a figure explaining the recording example of the charge using the electronic money management data which contains the information which identifies a user. (A) is an example of a new charge, and (B) is an example of an additional charge.
　以下、添付図面を参照して、実施の形態について詳細に説明する。
＜実施の形態１＞
＜システムの構成＞
　図１は、実施の形態１で使用する電子マネー管理システム１の一例を説明する図である。
　電子マネー管理システム１は、チャージ機１０と、ネットワーク２０と、電子マネー管理サーバー３０と、オートレジ４０と、ＰＯＳレジ５０とで構成されている。
　本実施の形態における電子マネー管理システム１は、決済システムの一例である。 Hereinafter, embodiments will be described in detail with reference to the accompanying drawings.
<Embodiment 1>
<System configuration>
FIG. 1 is a diagram illustrating an example of an electronic money management system 1 used in the first embodiment.
The electronic money management system 1 includes a charging machine 10, a network 20, an electronic money management server 30, an auto cash register 40, and a POS cash register 50.
The electronic money management system 1 in the present embodiment is an example of a payment system.
　本実施の形態は、サーバー型の電子マネーを想定する。このため、電子マネーの取引に関する情報は、電子マネー管理サーバー３０で管理される。取引には、チャージ、決済、残高の払い戻し等がある。
　チャージ機１０は、電子マネーのチャージ、残高の更新、残高の払い戻し等の操作の入力に使用される装置である。本実施の形態の場合、チャージ機１０は、電子マネーの取扱に特化した専用の装置を想定する。 This embodiment assumes server-type electronic money. Therefore, the information regarding the transaction of electronic money is managed by the electronic money management server 30. Transactions include charges, settlements, and refunds of balances.
The charging machine 10 is a device used for inputting operations such as charging electronic money, updating the balance, and refunding the balance. In the case of the present embodiment, the charging machine 10 assumes a dedicated device specialized for handling electronic money.
　チャージ機１０は、紙幣の投入を受け付け、ユーザが指定する金額分の電子マネーのチャージを実行する。
　本実施の形態におけるチャージ機１０は、紙幣による電子マネーのチャージを想定するが、硬貨によるチャージが可能でもよい。以下では、紙幣と硬貨を総称する場合、「貨幣」という。 The charging machine 10 accepts the insertion of bills and charges the electronic money for the amount specified by the user.
The charging machine 10 in the present embodiment assumes charging of electronic money with banknotes, but charging with coins may be possible. In the following, when banknotes and coins are collectively referred to, they are referred to as "money".
　チャージ機１０は、貨幣以外の有価価値による電子マネーのチャージが可能でもよい。有価価値には、例えばプリペイドカード、電子的なポイントがある。
　電子的なポイントには、例えばクレジットカードの利用実績により付与されたポイント、ＱＲコード（登録商標）を用いる決済の利用実績により付与されたポイント、電子マネーの利用実績により付与されたポイント、航空機等の利用実績により付与されたマイル・ポイントがある。 The charging machine 10 may be capable of charging electronic money with a valuable value other than money. Valuable values include, for example, prepaid cards and electronic points.
Electronic points include, for example, points given by credit card usage record, points given by QR code (registered trademark) usage record, points given by electronic money usage record, aircraft, etc. There are mileage points awarded based on the usage record of.
　チャージ機１０は、電子マネーの残高分の貨幣の払い戻しにも使用される。本実施の形態におけるチャージ機１０は、紙幣の払い戻しのみが可能である。もっとも、硬貨の払い戻しが可能でもよい。
　また、本実施の形態におけるチャージ機１０は、電子マネーの取扱に特化した専用の装置に限らず、例えば現金自動預け払い機やレジ端末でもよい。すなわちオートレジ４０やＰＯＳレジ５０でもよい。
　図１では、チャージ機１０が１台であるが、複数台のチャージ機１０をネットワーク２０に接続してもよい。本実施の形態におけるチャージ機１０は、第１の端末の一例である。 The charging machine 10 is also used for refunding money for the balance of electronic money. The charging machine 10 in the present embodiment can only refund banknotes. However, coins may be refundable.
Further, the charging machine 10 in the present embodiment is not limited to a dedicated device specialized in handling electronic money, and may be, for example, an automated teller machine or a cash register terminal. That is, it may be an auto cash register 40 or a POS cash register 50.
Although the number of charging machines 10 is one in FIG. 1, a plurality of charging machines 10 may be connected to the network 20. The charging machine 10 in the present embodiment is an example of the first terminal.
　ネットワーク２０には、例えばインターネットや専用線を使用する。
　電子マネー管理サーバー３０は、電子マネーの残高、取引の履歴等を管理するサーバーである。
　電子マネー管理サーバー３０は、電子マネーの残高、取引の履歴等を管理ＩＤに紐付けて管理する。
　本実施の形態における電子マネー管理サーバー３０は、チャージ機１０、オートレジ４０、ＰＯＳレジ５０との通信を通じ、電子マネーの取引を実行する。 For the network 20, for example, the Internet or a dedicated line is used.
The electronic money management server 30 is a server that manages the balance of electronic money, transaction history, and the like.
The electronic money management server 30 manages the balance of electronic money, the history of transactions, etc. by associating them with the management ID.
The electronic money management server 30 in the present embodiment executes an electronic money transaction through communication with the charging machine 10, the auto cash register 40, and the POS cash register 50.
　オートレジ４０は、企業や病院等の食堂に導入される。オートレジ４０は、例えばトレイ上の食器や買い物かご内の商品に装着されたＩＣタグからデータを読み取ることで支払総額を計算し、キャッシュレス決済を実行する装置である。
　本実施の形態の場合、オートレジ４０は、電子マネーの残高を電子マネー管理サーバー３０に問い合わせ、残高が支払総額より多い場合、決済を実行する。 The auto cash register 40 will be introduced in cafeterias such as companies and hospitals. The auto cash register 40 is a device that calculates the total payment amount by reading data from, for example, an IC tag attached to tableware on a tray or a product in a shopping cart, and executes cashless payment.
In the case of the present embodiment, the auto cash register 40 inquires of the electronic money management server 30 about the balance of the electronic money, and if the balance is larger than the total payment amount, the settlement is executed.
　ＰＯＳレジ５０は、購入された商品やサービスの支払総額を計算し、決済を実行する装置である。本実施の形態では、電子マネーによる決済を想定しているが、貨幣による決済が可能でもよい。貨幣による決済が可能なＰＯＳレジ５０には、自動つり銭機が接続される。なお、ＰＯＳレジ５０は、商品のスキャンはレジスタッフが実行し、精算はお客様であるユーザが実行するセミセルフレジでも、商品のスキャンも精算もお客様であるユーザが実行するセルフレジでもよい。自動つり銭機は、貨幣を収納する収納部と貨幣を出金する出金部とを有している。
　本実施の形態におけるオートレジ４０とＰＯＳレジ５０は、第２の端末の一例である。 The POS cash register 50 is a device that calculates the total payment amount of purchased goods and services and executes payment. In this embodiment, payment by electronic money is assumed, but payment by money may be possible. An automatic change machine is connected to the POS cash register 50 that can be settled in money. The POS cash register 50 may be a semi-self-checkout in which the checkout staff performs the scan of the product and the checkout is performed by the user who is the customer, or the self-checkout may be performed by the user who is the customer in both the scan and the checkout of the product. The automatic change machine has a storage unit for storing money and a withdrawal unit for withdrawing money.
The auto register 40 and the POS register 50 in the present embodiment are examples of the second terminal.
　オートレジ４０とＰＯＳレジ５０は、決済装置の一例である。
　チャージ機１０と、オートレジ４０と、ＰＯＳレジ５０は、同じ店舗内に設置されてもよいし、異なる店舗内に設置されてもよい。
　また、チャージ機１０と、オートレジ４０と、ＰＯＳレジ５０を設置する事業者は同じでもよいし、異なってもよい。
　本実施の形態の場合、決済等には、プリペイド型の電子マネーに紐付けられたＱＲコードが印字されたレシートを使用する。 The auto cash register 40 and the POS cash register 50 are examples of payment devices.
The charging machine 10, the auto cash register 40, and the POS cash register 50 may be installed in the same store or may be installed in different stores.
Further, the businesses that install the charging machine 10, the auto register 40, and the POS register 50 may be the same or different.
In the case of this embodiment, a receipt printed with a QR code associated with prepaid electronic money is used for payment and the like.
＜チャージ機の構成＞
　以下では、図２～図４を使用して、実施の形態１で使用するチャージ機１０の構成を説明する。
＜外観構成＞
　図２は、実施の形態１で使用するチャージ機１０の外観構成の一例を説明する図である。図２に示すチャージ機１０は、表示操作部１１と、音声出力部１２と、レシートプリンタ１３と、ＱＲコードリーダ１４と、紙幣処理ユニット１５とを有している。紙幣処理ユニット１５は、紙幣受入部１５Ａと紙幣払出部１５Ｂとを有している。 <Configuration of charging machine>
Hereinafter, the configuration of the charging machine 10 used in the first embodiment will be described with reference to FIGS. 2 to 4.
<Appearance configuration>
FIG. 2 is a diagram illustrating an example of an external configuration of the charging machine 10 used in the first embodiment. The charging machine 10 shown in FIG. 2 includes a display operation unit 11, a voice output unit 12, a receipt printer 13, a QR code reader 14, and a bill processing unit 15. The bill processing unit 15 has a bill receiving unit 15A and a bill paying unit 15B.
　表示操作部１１と音声出力部１２は、本体上面の奥側に設けられている斜面に配置されている。手前側か奥側かは、チャージ機１０を操作するユーザの位置を基準に表現する。
　表示操作部１１は、例えばタッチパネルで構成される。タッチパネルには、操作に関する情報やボタン等が表示される。また、表示されているボタン等が操作された場合、タッチパネルは、操作の対象であるボタン等に対する操作を受け付ける。音声出力部１２は、スピーカであり、音声によるガイダンスやメッセージ等を出力する。 The display operation unit 11 and the audio output unit 12 are arranged on a slope provided on the back side of the upper surface of the main body. Whether it is the front side or the back side is expressed based on the position of the user who operates the charging machine 10.
The display operation unit 11 is composed of, for example, a touch panel. Information and buttons related to the operation are displayed on the touch panel. Further, when the displayed button or the like is operated, the touch panel accepts the operation for the button or the like to be operated. The voice output unit 12 is a speaker, and outputs voice guidance, a message, and the like.
　レシートプリンタ１３は、チャージされた電子マネーの識別に用いるＱＲコードをレシートに印字して出力するプリンタである。レシートプリンタ１３には、例えばサーマルプリンタが使用される。
　本実施の形態の場合、ＱＲコードを印字したレシートは、取引の控えとしてのレシートとは別に出力される。取引の控えとしてのレシートには、例えば取引の日時、チャージされた電子マネーの金額、電子マネーの残高が印字される。 The receipt printer 13 is a printer that prints and outputs a QR code used for identifying the charged electronic money on the receipt. For the receipt printer 13, for example, a thermal printer is used.
In the case of this embodiment, the receipt printed with the QR code is output separately from the receipt as a copy of the transaction. For example, the date and time of the transaction, the amount of the charged electronic money, and the balance of the electronic money are printed on the receipt as a copy of the transaction.
　図３は、電子マネーの新規チャージ時に出力されるレシート６０の一例を説明する図である。図３に示すレシート６０には、電子マネーの新規チャージ時に発行されたＱＲコード６１と、有効期限６２と、発行日６３とが印字されている。
　ＱＲコード６１には、電子マネーを一意に特定する管理ＩＤが含まれる。管理ＩＤは、例えば電子マネー管理サーバー３０で発行される。 FIG. 3 is a diagram illustrating an example of a receipt 60 output when a new charge of electronic money is made. The receipt 60 shown in FIG. 3 is printed with a QR code 61 issued at the time of a new charge of electronic money, an expiration date 62, and an issue date 63.
The QR code 61 includes a management ID that uniquely identifies electronic money. The management ID is issued by, for example, the electronic money management server 30.
　図３の場合、有効期限６２は「２０２０／１２／１１」であり、発行日６３は「２０２０／０９／１１」である。図３の場合、有効期限６２は、発行日６３の３ヶ月後に定められている。ただし、有効期間は３ヶ月に限らない。
　なお、レシート６０には、有効期限６２だけを印字してもよく、発行日６３だけを印字してもよい。
　また、ＱＲコード６１が印字されるレシート６０には、チャージされた電子マネーの金額や電子マネーの現在の残高が印字されていてもよい。 In the case of FIG. 3, the expiration date 62 is “2020/12/11” and the issue date 63 is “2020/09/11”. In the case of FIG. 3, the expiration date 62 is set three months after the issue date 63. However, the validity period is not limited to 3 months.
The receipt 60 may be printed with only the expiration date 62 or only the issue date 63.
Further, the receipt 60 on which the QR code 61 is printed may be printed with the amount of charged electronic money or the current balance of electronic money.
　本実施の形態の場合、チャージされた電子マネーの使用には、管理ＩＤの情報を含むＱＲコード６１が印字されたレシート６０が必要とされる。
　レシート６０は、紙媒体であるので、専用の磁気プリペイドカードやＩＣカード等を使用する場合に比して、電子マネー管理システム１（図１参照）の導入コストが少なく済む。
　ここでのＱＲコード６１は、入金額に紐付けられた識別情報の一例であり、例えば電子マネーに紐付けられている管理ＩＤに関する情報が含まれている。また、レシートプリンタ１３は、出力部の一例である。なお、レシートプリンタ１３は、印刷手段の一例でもある。因みに、ＱＲコード６１には、管理ＩＤに限らず、残高や有効期限等に関する情報が含まれていてもよい。 In the case of the present embodiment, the receipt 60 on which the QR code 61 including the information of the management ID is printed is required to use the charged electronic money.
Since the receipt 60 is a paper medium, the introduction cost of the electronic money management system 1 (see FIG. 1) can be reduced as compared with the case of using a dedicated magnetic prepaid card, IC card, or the like.
The QR code 61 here is an example of the identification information associated with the deposit amount, and includes, for example, information regarding the management ID associated with the electronic money. The receipt printer 13 is an example of an output unit. The receipt printer 13 is also an example of printing means. Incidentally, the QR code 61 is not limited to the management ID, and may include information regarding the balance, expiration date, and the like.
　ＱＲコードリーダ１４は、読取り面に置かれたレシート６０のＱＲコード６１の画像をデコードすることにより、電子マネーに紐付けられている管理ＩＤを取得する。
　取得された管理ＩＤは、電子マネー管理サーバー３０から電子マネーの残高の取得等に使用される。ＱＲコードリーダ１４は、第２の読取部の一例である。 The QR code reader 14 acquires the management ID associated with the electronic money by decoding the image of the QR code 61 of the receipt 60 placed on the reading surface.
The acquired management ID is used for acquiring the balance of electronic money from the electronic money management server 30. The QR code reader 14 is an example of a second reading unit.
　紙幣処理ユニット１５は、投入された紙幣の受け付け、おつりの返却、電子マネーの残金の返却等を実行する。おつりの返却は、投入された紙幣の金額が、ユーザが指定するチャージ額よりも多い場合に実行される。例えばチャージ額が３０００円の場合に、５０００円が投入されると、おつりとして２０００円が排出される。 The banknote processing unit 15 accepts inserted banknotes, returns change, returns the balance of electronic money, and the like. The change is returned when the amount of the inserted bill is larger than the charge amount specified by the user. For example, if the charge amount is 3000 yen and 5000 yen is put in, 2000 yen will be discharged as a change.
　紙幣受入部１５Ａは紙幣の投入に使用され、紙幣払出部１５Ｂはおつり等の紙幣の払い出しに使用される。
　紙幣処理ユニット１５には、投入された紙幣の金種、真偽、正損、新旧等を識別する識別部が設けられている。識別部により識別された紙幣は、選別部にて更に選別される。正常ではないと識別された紙幣は、紙幣払出部１５Ｂから排出される。
　ここでの紙幣受入部１５Ａは入金機構の一例である。また、紙幣払出部１５Ｂは出金部の一例である。 The banknote receiving unit 15A is used for inserting banknotes, and the banknote payout unit 15B is used for paying out banknotes such as change.
The bill processing unit 15 is provided with an identification unit that identifies the denomination, authenticity, correctness, loss, old and new, etc. of the inserted bill. The banknotes identified by the identification unit are further sorted by the sorting unit. The bill identified as abnormal is discharged from the bill payout unit 15B.
The bill receiving unit 15A here is an example of a deposit mechanism. The bill payout unit 15B is an example of a withdrawal unit.
＜内部構成＞
　図４は、実施の形態１で使用するチャージ機１０の内部構成の一例を説明する図である。図４に示すチャージ機１０は、表示操作部１１と、音声出力部１２と、レシートプリンタ１３と、ＱＲコードリーダ１４と、紙幣処理ユニット１５と、通信部１６と、記憶部１７と、制御部１８と、を有している。 <Internal configuration>
FIG. 4 is a diagram illustrating an example of the internal configuration of the charging machine 10 used in the first embodiment. The charging machine 10 shown in FIG. 4 includes a display operation unit 11, a voice output unit 12, a receipt printer 13, a QR code reader 14, a bill processing unit 15, a communication unit 16, a storage unit 17, and a control unit. It has 18.
　紙幣処理ユニット１５には、紙幣受入部１５Ａから投入された貨幣を収納する収納庫１５Ｃが設けられている。本実施の形態における紙幣処理ユニット１５は、収納庫１５Ｃに収納されている紙幣をおつりや払い戻しに使用するリサイクル運用が可能である。この場合、収納庫１５Ｃから引き出された紙幣は、前述した紙幣払出部１５Ｂから排出される。収納庫１５Ｃは、収納部の一例である。 The bill processing unit 15 is provided with a storage 15C for storing money inserted from the bill receiving unit 15A. The banknote processing unit 15 in the present embodiment can be recycled by using the banknotes stored in the storage 15C for change or refund. In this case, the banknotes drawn from the storage 15C are discharged from the above-mentioned banknote payout unit 15B. The storage 15C is an example of a storage unit.
　通信部１６は、ネットワーク２０経由で電子マネー管理サーバー３０と通信するためのインターフェースである。
　記憶部１７は、不揮発性メモリやハードディスク装置等の補助記憶装置である。本実施の形態における記憶部１７には、チャージされた金額（以下「入金額」ともいう）を表す入金データ１７Ａと、電子マネー管理サーバー３０から取得した残高データ１７Ｂとが記憶される。 The communication unit 16 is an interface for communicating with the electronic money management server 30 via the network 20.
The storage unit 17 is an auxiliary storage device such as a non-volatile memory or a hard disk device. The storage unit 17 in the present embodiment stores the deposit data 17A representing the charged amount (hereinafter, also referred to as “deposit amount”) and the balance data 17B acquired from the electronic money management server 30.
　制御部１８は、ＣＰＵ（＝Central Processing Unit）と、ＢＩＯＳ（＝Basic Input Output System）等が記憶されたＲＯＭ（＝Read Only Memory）と、ワークエリアとして用いられるＲＡＭ（＝Random Access Memory）等を有している。
　制御部１８は、いわゆるコンピュータであり、プログラムの実行を通じて各種の機能を実現する。 The control unit 18 stores a CPU (= Central Processing Unit), a ROM (= Read Only Memory) in which a BIOS (= Basic Input Output System) and the like are stored, a RAM (= Random Access Memory) used as a work area, and the like. Have.
The control unit 18 is a so-called computer, and realizes various functions through the execution of a program.
　本実施の形態の場合、制御部１８は、プログラムの実行を通じ、表示制御部１８Ａ、チャージ金額特定部１８Ｂ、チャージ処理部１８Ｃ、ＱＲコード生成部１８Ｄ、ＱＲコードデコード部１８Ｅ、残高払い戻し制御部１８Ｆとして機能する。
　表示制御部１８Ａは、表示操作部１１の表示を制御する。例えば表示制御部１８Ａは、待機画面上に取引の内容を選択するためのボタンを表示操作部１１に表示する。取引の内容には、例えば電子マネーのチャージ、残高の確認、残高の払い戻しがある。
　例えば電子マネーのチャージが選択された場合、表示制御部１８Ａは、チャージに使用する有価価値の選択を受け付ける画面、チャージ額の指定を受け付ける画面等も表示操作部１１に表示する。この他、表示制御部１８Ａは、チャージの進捗の様子やチャージの結果も表示操作部１１に表示する。 In the case of the present embodiment, the control unit 18 has a display control unit 18A, a charge amount specifying unit 18B, a charge processing unit 18C, a QR code generation unit 18D, a QR code decoding unit 18E, and a balance refund control unit 18F through the execution of the program. Functions as.
The display control unit 18A controls the display of the display operation unit 11. For example, the display control unit 18A displays on the display operation unit 11 a button for selecting the content of the transaction on the standby screen. The contents of the transaction include, for example, charging electronic money, checking the balance, and refunding the balance.
For example, when the charge of electronic money is selected, the display control unit 18A also displays a screen for accepting the selection of the valuable value to be used for the charge, a screen for accepting the designation of the charge amount, and the like on the display operation unit 11. In addition, the display control unit 18A also displays the progress of charging and the charging result on the display operation unit 11.
　チャージ金額特定部１８Ｂは、表示操作部１１に表示されたボタンに対するユーザの操作を通じ、チャージ額の指定を受け付ける機能である。
　チャージ処理部１８Ｃは、電子マネーのチャージ処理を実行する機能である。チャージ処理部１８Ｃは、チャージ額が特定されると、チャージ額以上の入金を待ち受ける。入金された金額がチャージ額以上になると、チャージ処理部１８Ｃは、チャージ額の情報を電子マネー管理サーバー３０に送信する。 The charge amount specifying unit 18B is a function of accepting the designation of the charge amount through the user's operation on the button displayed on the display operation unit 11.
The charge processing unit 18C is a function of executing charge processing of electronic money. When the charge amount is specified, the charge processing unit 18C waits for payment of the charge amount or more. When the deposited amount becomes equal to or more than the charge amount, the charge processing unit 18C transmits the charge amount information to the electronic money management server 30.
　管理ＩＤに紐付けられている電子マネーの情報を引き継がない新規チャージの場合、チャージ処理部１８Ｃは、チャージ額の情報を電子マネー管理サーバー３０に送信する。一方、管理ＩＤに紐付けられている電子マネーの情報を引き継ぐ追加チャージの場合、チャージ処理部１８Ｃは、チャージ額の情報に加え、ＱＲコード６１から読み取った管理ＩＤも、電子マネー管理サーバー３０に送信する。 In the case of a new charge that does not inherit the electronic money information associated with the management ID, the charge processing unit 18C transmits the charge amount information to the electronic money management server 30. On the other hand, in the case of an additional charge that inherits the electronic money information associated with the management ID, the charge processing unit 18C sends the management ID read from the QR code 61 to the electronic money management server 30 in addition to the charge amount information. Send.
　入金額がチャージ額を超過する場合、チャージ処理部１８Ｃは、紙幣処理ユニット１５におつりの紙幣を払い出させる。入金された金額がチャージ額に満たない場合、チャージ処理部１８Ｃは、チャージを開始しない。もっとも、入金額がチャージ額に満たない状態でも、ユーザが所定の操作を行った場合には、入金額分のチャージを実行可能としてもよい。 When the deposit amount exceeds the charge amount, the charge processing unit 18C causes the bill processing unit 15 to pay out the change bills. If the deposited amount is less than the charge amount, the charge processing unit 18C does not start charging. However, even if the deposit amount is less than the charge amount, if the user performs a predetermined operation, the charge for the deposit amount may be executed.
　また、チャージ処理部１８Ｃは、電子マネー管理サーバー３０から管理ＩＤが通知された場合、チャージの結果を印字したレシート６０の発行を、レシートプリンタ１３に指示する。
　レシートプリンタ１３によるレシート６０の印刷は、ＱＲコード６１の生成後に実行される。 Further, when the management ID is notified from the electronic money management server 30, the charge processing unit 18C instructs the receipt printer 13 to issue a receipt 60 printed with the charge result.
Printing of the receipt 60 by the receipt printer 13 is executed after the QR code 61 is generated.
　追加チャージの場合、チャージ処理部１８Ｃは、残高データ１７Ｂも電子マネー管理サーバー３０から受信する。受信された残高データ１７Ｂは、残高の表示に用いられる。
　ＱＲコード生成部１８Ｄは、レシート６０に印字するＱＲコード６１を生成する機能である。ＱＲコード６１は、管理ＩＤだけを含んでもよいし、管理ＩＤとその他の情報を含んでもよい。例えば残高や有効期限の情報を含んでもよい。なお、追加チャージの場合、ＱＲコードリーダ１４で読み取ったＱＲコード６１と同じパターンが生成される。 In the case of additional charge, the charge processing unit 18C also receives the balance data 17B from the electronic money management server 30. The received balance data 17B is used to display the balance.
The QR code generation unit 18D is a function of generating a QR code 61 to be printed on the receipt 60. The QR code 61 may include only the management ID, or may include the management ID and other information. For example, it may include information on balance and expiration date. In the case of additional charge, the same pattern as the QR code 61 read by the QR code reader 14 is generated.
　ＱＲコードデコード部１８Ｅは、追加チャージや残高の払い戻しのために撮像されたＱＲコード６１の画像をデコードする機能である。
　残高払い戻し制御部１８Ｆは、ユーザが電子マネーの払い戻しを指示した場合に、ＱＲコード６１からデコードされる管理ＩＤに紐付けられている電子マネーの残高データ１７Ｂを取得し、残額又は一部の払い戻しを紙幣処理ユニット１５に指示する機能である。 The QR code decoding unit 18E is a function for decoding an image of the QR code 61 captured for additional charge or refund of the balance.
The balance refund control unit 18F acquires the balance data 17B of the electronic money associated with the management ID decoded from the QR code 61 when the user instructs the refund of the electronic money, and refunds the balance or a part of the balance. Is a function of instructing the bill processing unit 15.
＜電子マネー管理サーバーの構成＞
　図５は、実施の形態１で使用する電子マネー管理サーバー３０の内部構成の一例を説明する図である。
　図５に示す電子マネー管理サーバー３０は、表示部３１と、操作部３２と、通信部３３と、記憶部３４と、制御部３５と、を有している。
　表示部３１は、液晶ディスプレイや有機ＥＬ（＝Electro Luminescence）ディスプレイ等からなる表示デバイスである。 <Configuration of e-commerce management server>
FIG. 5 is a diagram illustrating an example of the internal configuration of the electronic commerce management server 30 used in the first embodiment.
The electronic commerce management server 30 shown in FIG. 5 has a display unit 31, an operation unit 32, a communication unit 33, a storage unit 34, and a control unit 35.
The display unit 31 is a display device including a liquid crystal display, an organic EL (= Electro Luminescence) display, and the like.
　操作部３２は、マウスやキーボード等からなる入力デバイスである。
　通信部３３は、ネットワーク２０経由でチャージ機１０、オートレジ４０、ＰＯＳレジ５０と通信するためのインターフェースである。
　記憶部３４は、不揮発性メモリやハードディスク装置等の補助記憶装置である。本実施の形態の場合、記憶部３４には、電子マネー管理データ３４Ａが記憶されている。なお、記憶部３４には、チャージ機１０、オートレジ４０、ＰＯＳレジ５０のＩＰアドレス等も記憶される。 The operation unit 32 is an input device including a mouse, a keyboard, and the like.
The communication unit 33 is an interface for communicating with the charging machine 10, the auto register 40, and the POS register 50 via the network 20.
The storage unit 34 is an auxiliary storage device such as a non-volatile memory or a hard disk device. In the case of the present embodiment, the electronic money management data 34A is stored in the storage unit 34. The storage unit 34 also stores the IP addresses of the charging machine 10, the auto register 40, the POS register 50, and the like.
　電子マネー管理データ３４Ａは、チャージ機１０でチャージされた電子マネーの取引を記録するデータである。
　図６は、電子マネー管理データ３４Ａの一例を説明する図である。図６に示す電子マネー管理データ３４Ａは、管理ＩＤと取引履歴で構成される。図６の場合、管理ＩＤとして「Ｃ０００１」を例示している。取引履歴は、取引の日時と、残金と、備考を含んでいる。図６では、取引の履歴の一覧が記録されているが、最新の取引履歴だけが記録されてもよい。 The electronic money management data 34A is data for recording transactions of electronic money charged by the charging machine 10.
FIG. 6 is a diagram illustrating an example of electronic money management data 34A. The electronic money management data 34A shown in FIG. 6 is composed of a management ID and a transaction history. In the case of FIG. 6, "C0001" is exemplified as the management ID. The transaction history includes the date and time of the transaction, the balance, and remarks. In FIG. 6, a list of transaction histories is recorded, but only the latest transaction history may be recorded.
　備考の欄には、取引の内容が記載される。図６の場合、初回の取引はチャージであり、２回目と３回目の取引は支払いであり、４回目の取引は払い戻しである。このため、４回目の取引での残金は０（ゼロ）になっている。図６では、支払い額も記録されているが、取引の種類だけでもよい。
　図６の例では、残金が０（ゼロ）になった後も、管理ＩＤが維持されているが、残金が０（ゼロ）になったら、該当する管理ＩＤを管理の対象から除外してもよい。すなわち、「Ｃ０００１」とその取引履歴を消去してもよい。 The details of the transaction are described in the remarks column. In the case of FIG. 6, the first transaction is a charge, the second and third transactions are payments, and the fourth transaction is a refund. Therefore, the balance in the fourth transaction is 0 (zero). In FIG. 6, the payment amount is also recorded, but only the type of transaction may be used.
In the example of FIG. 6, the management ID is maintained even after the balance becomes 0 (zero), but when the balance becomes 0 (zero), even if the corresponding management ID is excluded from the management target. good. That is, "C0001" and its transaction history may be deleted.
　図５の説明に戻る。
　制御部３５は、ＣＰＵと、ＢＩＯＳ等が記憶されたＲＯＭと、ワークエリアとして用いられるＲＡＭ等を有している。
　制御部３５は、いわゆるコンピュータであり、プログラムの実行を通じて各種の機能を実現する。本実施の形態の場合、制御部３５は、プログラムの実行を通じ、管理ＩＤ付与部３５Ａ、電子マネー管理部３５Ｂ、残高通知部３５Ｃ、決済額引去部３５Ｄとして機能する。 Returning to the description of FIG.
The control unit 35 has a CPU, a ROM in which the BIOS and the like are stored, and a RAM and the like used as a work area.
The control unit 35 is a so-called computer, and realizes various functions through the execution of a program. In the case of the present embodiment, the control unit 35 functions as a management ID giving unit 35A, an electronic money management unit 35B, a balance notification unit 35C, and a settlement amount withdrawal unit 35D through the execution of the program.
　管理ＩＤ付与部３５Ａは、電子マネーのチャージが新規チャージの場合に、管理ＩＤを付与する。管理ＩＤ付与部３５Ａは、チャージ機１０から受信されたチャージ額に管理ＩＤの情報が含まれない場合、新規チャージとみなす。
　電子マネー管理部３５Ｂは、管理ＩＤに紐づけて電子マネーの取引を管理する。取引の履歴は、電子マネー管理データ３４Ａとして記憶部３４に記憶される。 The management ID assigning unit 35A assigns a management ID when the electronic money charge is a new charge. When the charge amount received from the charging machine 10 does not include the management ID information, the management ID assigning unit 35A considers it as a new charge.
The electronic money management unit 35B manages the transaction of electronic money in association with the management ID. The transaction history is stored in the storage unit 34 as electronic money management data 34A.
　残高通知部３５Ｃは、チャージ機１０等から管理ＩＤに紐付けられている電子マネーの残高が要求された場合に、要求元に残高データを通知する。残高の要求は、例えば電子マネーの残高照会や払い戻しの際に現れる。
　決済額引去部３５Ｄは、電子マネーの取引が決済である場合に、決済に使用する電子マネーの残高から決済額を引き去る処理を実行する。決済額は、決済情報の一例である。 When the balance notification unit 35C requests the balance of the electronic money associated with the management ID from the charging machine 10 or the like, the balance notification unit 35C notifies the requesting source of the balance data. The balance request appears, for example, when inquiring or refunding the balance of electronic money.
The settlement amount withdrawal unit 35D executes a process of withdrawing the settlement amount from the balance of the electronic money used for the settlement when the transaction of the electronic money is a settlement. The settlement amount is an example of settlement information.
＜オートレジの構成＞
　図７は、実施の形態１で使用するオートレジ４０の内部構成の一例を説明する図である。図７に示すオートレジ４０は、表示部４１と、操作部４２と、光学センサ４３と、タグデータ読み取り部４４と、レシートプリンタ４５と、ＱＲコードリーダ４６と、通信部４７と、記憶部４８と、制御部４９と、を有している。
　表示部４１は、液晶ディスプレイや有機ＥＬ（＝Electro Luminescence）ディスプレイ等からなる表示デバイスである。
　操作部４２は、操作用のボタンやスイッチである。もっとも、表示部４１の表面に設置されてタッチパネルを構成する静電容量式のフィルムセンサーでもよい。 <Configuration of auto register>
FIG. 7 is a diagram illustrating an example of the internal configuration of the auto register 40 used in the first embodiment. The auto register 40 shown in FIG. 7 includes a display unit 41, an operation unit 42, an optical sensor 43, a tag data reading unit 44, a receipt printer 45, a QR code reader 46, a communication unit 47, and a storage unit 48. , And a control unit 49.
The display unit 41 is a display device including a liquid crystal display, an organic EL (= Electro Luminescence) display, and the like.
The operation unit 42 is an operation button or switch. However, a capacitive film sensor installed on the surface of the display unit 41 to form a touch panel may be used.
　光学センサ４３は、例えばトレイ台や買い物かごの置き場に複数設置される。光学センサ４３の光線が遮られることでトレイや買い物かごの設置が分かり、光学センサ４３の光線が遮られた位置でトレイや買い物かごが置かれた位置が分かる。
　タグデータ読み取り部４４は、トレイ上の食器や買い物かご内の商品に装着されているＩＤタグから商品のＩＤ情報を読み取る。
　レシートプリンタ４５は、決済の結果をレシートに印字して出力する。決済の結果には、決済の対象として認識された飲食物等の内容、価格、決済額、決済の日時等が含まれる。 A plurality of optical sensors 43 are installed, for example, in a tray stand or a storage place for shopping carts. By blocking the light rays of the optical sensor 43, the installation of the tray or the shopping cart can be known, and the position where the tray or the shopping basket is placed can be known at the position where the light rays of the optical sensor 43 are blocked.
The tag data reading unit 44 reads the product ID information from the ID tag attached to the tableware on the tray or the product in the shopping cart.
The receipt printer 45 prints the payment result on the receipt and outputs it. The settlement result includes the contents of food and drink recognized as the object of settlement, the price, the settlement amount, the date and time of settlement, and the like.
　ＱＲコードリーダ４６は、読取り面に置かれたレシート６０（図３参照）のＱＲコード６１（図３参照）を撮像し、撮像されたＱＲコード６１の画像をデコードして電子マネーに紐付けられている管理ＩＤを取得する。取得された管理ＩＤは、決済額と一緒に電子マネー管理サーバー３０に送信される。ＱＲコードリーダ４６は、読取部の一例である。 The QR code reader 46 takes an image of the QR code 61 (see FIG. 3) of the receipt 60 (see FIG. 3) placed on the reading surface, decodes the image of the captured QR code 61, and associates it with electronic money. Acquire the management ID that is being used. The acquired management ID is transmitted to the electronic money management server 30 together with the payment amount. The QR code reader 46 is an example of a reading unit.
　通信部４７は、ネットワーク２０経由で電子マネー管理サーバー３０と通信するためのインターフェースである。
　記憶部４８は、不揮発性メモリやハードディスク装置等の補助記憶装置である。記憶部４８には、商品の情報と価格をＩＤ情報に紐付けた価格テーブル等が記録されている。ここでのＩＤ情報は、ＩＤタグから読み出される情報である。 The communication unit 47 is an interface for communicating with the electronic money management server 30 via the network 20.
The storage unit 48 is an auxiliary storage device such as a non-volatile memory or a hard disk device. The storage unit 48 records a price table or the like in which product information and prices are linked to ID information. The ID information here is information read from the ID tag.
　制御部４９は、ＣＰＵと、ＢＩＯＳ等が記憶されたＲＯＭと、ワークエリアとして用いられるＲＡＭ等を有している。
　制御部４９は、いわゆるコンピュータであり、プログラムの実行を通じて各種の機能を実現する。本実施の形態の場合、制御部４９は、プログラムの実行を通じ、ＱＲコードデコード部４９Ａ、決済額算出部４９Ｂ、決済額通知部４９Ｃ、決済結果取得部４９Ｄとして機能する。
　ＱＲコードデコード部４９Ａは、決済のために読み取ったＱＲコード６１の画像をデコードする機能である。 The control unit 49 has a CPU, a ROM in which the BIOS and the like are stored, and a RAM and the like used as a work area.
The control unit 49 is a so-called computer, and realizes various functions through the execution of a program. In the case of the present embodiment, the control unit 49 functions as a QR code decoding unit 49A, a payment amount calculation unit 49B, a payment amount notification unit 49C, and a payment result acquisition unit 49D through the execution of the program.
The QR code decoding unit 49A is a function of decoding the image of the QR code 61 read for payment.
　決済額算出部４９Ｂは、商品のＩＤタグから読み出したＩＤ情報に紐付けられている価格の合計値（すなわち決済額）を算出する機能である。
　決済額通知部４９Ｃは、算出された決済額を電子マネー管理サーバー３０に通知する機能である。
　決済結果取得部４９Ｄは、電子マネー管理サーバー３０から決済の結果を取得する機能である。 The settlement amount calculation unit 49B is a function of calculating the total price (that is, the settlement amount) associated with the ID information read from the product ID tag.
The payment amount notification unit 49C is a function of notifying the electronic money management server 30 of the calculated payment amount.
The settlement result acquisition unit 49D is a function of acquiring the settlement result from the electronic money management server 30.
＜ＰＯＳレジの構成＞
　図８は、実施の形態１で使用するＰＯＳレジ５０の内部構成の一例を説明する図である。図８に示すＰＯＳレジ５０は、表示操作部５１と、紙幣処理部５２と、硬貨処理部５３と、レシートプリンタ５４と、ＱＲコードリーダ５５と、通信部５６と、記憶部５７と、制御部５８と、を有している。
　表示操作部５１は、例えばタッチパネルで構成され、レジスタッフ等の操作に使用される。 <Structure of POS cash register>
FIG. 8 is a diagram illustrating an example of the internal configuration of the POS register 50 used in the first embodiment. The POS register 50 shown in FIG. 8 includes a display operation unit 51, a bill processing unit 52, a coin processing unit 53, a receipt printer 54, a QR code reader 55, a communication unit 56, a storage unit 57, and a control unit. It has 58 and.
The display operation unit 51 is composed of, for example, a touch panel and is used for operations such as cash register staff.
　紙幣処理部５２は、投入された紙幣に対する真贋判定、紙幣の保管、紙幣の返却などの処理を実行する装置ユニットである。
　硬貨処理部５３は、投入された硬貨に対する真贋判定、硬貨の保管、おつり硬貨の払い戻しなどの処理を実行する装置ユニットである。
　なお、紙幣処理部５２と硬貨処理部５３は、ユーザが貨幣で決済する場合に備えて設けられている。
　レシートプリンタ５４は、決済の結果をレシートに印字して出力する。決済の結果には、決済の対象として認識された飲食物等の内容、価格、決済額、決済の日時等が含まれる。 The banknote processing unit 52 is a device unit that executes processing such as authenticity determination, storage of banknotes, and return of banknotes for the inserted banknotes.
The coin processing unit 53 is a device unit that executes processing such as authenticity determination of inserted coins, storage of coins, and refund of change coins.
The bill processing unit 52 and the coin processing unit 53 are provided in preparation for the case where the user makes a payment with money.
The receipt printer 54 prints the payment result on the receipt and outputs it. The settlement result includes the contents of food and drink recognized as the object of settlement, the price, the settlement amount, the date and time of settlement, and the like.
　ＱＲコードリーダ５５は、読取り面に置かれたレシート６０のＱＲコード６１を撮像し、撮像されたＱＲコード６１の画像をデコードして電子マネーに紐付けられている管理ＩＤを取得する。取得された管理ＩＤは、決済額と一緒に電子マネー管理サーバー３０（図１参照）に送信される。ＱＲコードリーダ５５は、読取部の一例である。
　通信部５６は、ネットワーク２０経由で電子マネー管理サーバー３０と通信するためのインターフェースである。
　記憶部５７は、不揮発性メモリやハードディスク装置等の補助記憶装置である。記憶部５７には、商品の情報と価格をＩＤ情報に紐付けた価格テーブル等が記録されている。ここでのＩＤ情報は、ＩＤタグから読み出される情報である。 The QR code reader 55 captures the QR code 61 of the receipt 60 placed on the reading surface, decodes the image of the captured QR code 61, and acquires the management ID associated with the electronic money. The acquired management ID is transmitted to the electronic money management server 30 (see FIG. 1) together with the payment amount. The QR code reader 55 is an example of a reading unit.
The communication unit 56 is an interface for communicating with the electronic money management server 30 via the network 20.
The storage unit 57 is an auxiliary storage device such as a non-volatile memory or a hard disk device. The storage unit 57 records a price table or the like in which product information and prices are linked to ID information. The ID information here is information read from the ID tag.
　制御部５８は、ＣＰＵと、ＢＩＯＳ等が記憶されたＲＯＭと、ワークエリアとして用いられるＲＡＭ等を有している。
　制御部５８は、いわゆるコンピュータであり、プログラムの実行を通じて各種の機能を実現する。本実施の形態の場合、制御部５８は、プログラムの実行を通じ、ＱＲコードデコード部５８Ａ、決済額算出部５８Ｂ、決済額通知部５８Ｃ、決済結果取得部５８Ｄとして機能する。
　ＱＲコードデコード部５８Ａは、決済のために読み取ったＱＲコード６１（図３参照）の画像をデコードする機能である。 The control unit 58 has a CPU, a ROM in which the BIOS and the like are stored, and a RAM and the like used as a work area.
The control unit 58 is a so-called computer, and realizes various functions through the execution of a program. In the case of the present embodiment, the control unit 58 functions as a QR code decoding unit 58A, a payment amount calculation unit 58B, a payment amount notification unit 58C, and a payment result acquisition unit 58D through the execution of the program.
The QR code decoding unit 58A is a function of decoding the image of the QR code 61 (see FIG. 3) read for payment.
　決済額算出部５８Ｂは、商品のＩＤタグから読み出したＩＤ情報に紐付けられている価格の合計値（すなわち決済額）を算出する機能である。
　決済額通知部５８Ｃは、算出された決済額を電子マネー管理サーバー３０（図１参照）に通知する機能である。
　決済結果取得部５８Ｄは、電子マネー管理サーバー３０から決済の結果を取得する機能である。 The settlement amount calculation unit 58B is a function of calculating the total price (that is, the settlement amount) associated with the ID information read from the ID tag of the product.
The payment amount notification unit 58C is a function of notifying the electronic money management server 30 (see FIG. 1) of the calculated payment amount.
The settlement result acquisition unit 58D is a function of acquiring the settlement result from the electronic money management server 30.
＜処理動作＞
　以下では、図９～図１２を使用して実施の形態１で使用する電子マネー管理システム１（図１参照）における処理動作を説明する。
＜新規チャージ時の処理動作＞
　図９は、実施の形態１における新規チャージの処理動作の一例を説明する図である。なお、図中における記号のＳはステップを意味する。 <Processing operation>
Hereinafter, the processing operation in the electronic money management system 1 (see FIG. 1) used in the first embodiment will be described with reference to FIGS. 9 to 12.
<Processing operation at the time of new charge>
FIG. 9 is a diagram illustrating an example of a new charge processing operation according to the first embodiment. The symbol S in the figure means a step.
　まず、チャージ機１０が入金処理を開始する（ステップ１）。入金処理は、操作画面上でチャージが選択されることで開始される。ここでは、新規チャージが選択される。
　チャージ機１０は、ユーザの指定したチャージ額、もしくはそれを上回る紙幣の投入を検知すると、電子マネー管理サーバー３０に対し、チャージ額を送信する（ステップ２）。また、チャージ機１０は、ユーザの指定したチャージ額を上回る紙幣が投入された場合には、チャージ額との差額をお釣りとして払い出す。
　チャージ額を受信した電子マネー管理サーバー３０は、管理ＩＤを付与する（ステップ３）。 First, the charging machine 10 starts the deposit process (step 1). The deposit process is started when a charge is selected on the operation screen. Here, a new charge is selected.
When the charging machine 10 detects the insertion of a bill that is equal to or greater than the charge amount specified by the user, the charging machine 10 transmits the charge amount to the electronic money management server 30 (step 2). Further, when a bill exceeding the charge amount specified by the user is inserted, the charging machine 10 pays out the difference from the charge amount as change.
The electronic money management server 30 that has received the charge amount assigns a management ID (step 3).
　続いて、電子マネー管理サーバー３０は、管理ＩＤに対し、チャージ額を紐付けて記録する（ステップ４）。すなわち、電子マネー管理データ３４Ａ（図６参照）による管理が開始される。
　この後、電子マネー管理サーバー３０は、チャージ額の送信元であるチャージ機１０に対し、管理ＩＤとチャージの完了を送信する（ステップ５）。
　チャージ機１０は、管理ＩＤを用いてＱＲコード６１を生成し、レシート６０に印字する（ステップ６）。 Subsequently, the electronic money management server 30 associates and records the charge amount with the management ID (step 4). That is, the management by the electronic money management data 34A (see FIG. 6) is started.
After that, the electronic commerce management server 30 transmits the management ID and the completion of the charge to the charging machine 10 which is the transmission source of the charge amount (step 5).
The charging machine 10 generates a QR code 61 using the management ID and prints it on the receipt 60 (step 6).
＜追加チャージ時の処理動作＞
　図１０は、実施の形態１における追加チャージの処理動作の一例を説明する図である。図１０には、図９との対応部分に対応する符号を付して示している。 <Processing operation at the time of additional charge>
FIG. 10 is a diagram illustrating an example of an additional charge processing operation according to the first embodiment. In FIG. 10, a reference numeral corresponding to a portion corresponding to that in FIG. 9 is added.
　まず、チャージ機１０が入金処理を開始する（ステップ１）。入金処理は、操作画面上でチャージが選択されることで開始される。ここでは、追加チャージが選択される。
　このため、チャージ機１０は、レシート６０（図３参照）に印字されたＱＲコード６１（図３参照）の読み取りを実行する（ステップ１１）。
　次に、チャージ機１０は、ＱＲコード６１の画像をデコードして管理ＩＤを取得する（ステップ１２）。
　チャージ機１０は、ユーザの指定した追加チャージ額、もしくはそれを上回る紙幣の投入を検知すると、電子マネー管理サーバー３０に対し、管理ＩＤと追加チャージ額を送信する（ステップ１３）。なお、チャージ機１０は、ユーザの指定した追加チャージ額を上回る紙幣が投入された場合には、追加チャージ額との差額をお釣りとして払い出す。 First, the charging machine 10 starts the deposit process (step 1). The deposit process is started when a charge is selected on the operation screen. Here, an additional charge is selected.
Therefore, the charging machine 10 executes reading of the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 11).
Next, the charging machine 10 decodes the image of the QR code 61 and acquires the management ID (step 12).
When the charging machine 10 detects the insertion of an additional charge amount specified by the user or a bill exceeding the additional charge amount, the charging machine 10 transmits the management ID and the additional charge amount to the electronic money management server 30 (step 13). When a bill exceeding the additional charge amount specified by the user is inserted, the charging machine 10 pays out the difference from the additional charge amount as change.
　追加チャージ額と管理ＩＤを受信した電子マネー管理サーバー３０は、管理ＩＤの残高を更新する（ステップ１４）。具体的には、受信した管理ＩＤに紐付けられている最新の残高に追加チャージ額を加算した金額が、電子マネー管理データ３４Ａ（図６参照）の残高に記録される。
　この後、電子マネー管理サーバー３０は、追加チャージ額の送信元であるチャージ機１０に対し、管理ＩＤと残高の更新の完了を送信する（ステップ１５）。
　チャージ機１０は、管理ＩＤを用いてＱＲコード６１を生成し、レシート６０に印字する（ステップ６）。 The electronic commerce management server 30 that has received the additional charge amount and the management ID updates the balance of the management ID (step 14). Specifically, the amount obtained by adding the additional charge amount to the latest balance associated with the received management ID is recorded in the balance of the electronic money management data 34A (see FIG. 6).
After that, the electronic commerce management server 30 transmits the completion of the update of the management ID and the balance to the charging machine 10 which is the transmission source of the additional charge amount (step 15).
The charging machine 10 generates a QR code 61 using the management ID and prints it on the receipt 60 (step 6).
＜決済時の処理動作＞
　図１１は、実施の形態１における決済時の処理動作の一例を説明する図である。
　決済は、オートレジ４０又はＰＯＳレジ５０において開始される。以下では、オートレジ４０とＰＯＳレジ５０を総称して「オートレジ４０等」という。
　まず、オートレジ４０等が、決済の対象である商品等を登録する（ステップ２１）。商品等の登録は自動で実行される場合もあれば、レジスタッフやユーザが行う場合もある。 <Processing operation at the time of payment>
FIG. 11 is a diagram illustrating an example of a processing operation at the time of settlement in the first embodiment.
Settlement is started at the auto cash register 40 or the POS cash register 50. In the following, the auto register 40 and the POS register 50 are collectively referred to as "auto register 40 and the like".
First, the auto cash register 40 or the like registers the product or the like to be settled (step 21). Registration of products, etc. may be performed automatically, or it may be performed by cashier staff or users.
　商品等の登録が終了すると、オートレジ４０等は、決済額を算出する（ステップ２２）。この後、決済の方法が選択される。図１１では、レシート６０（図３参照）に印字されたＱＲコード６１（図３参照）による決済が選択されている。
　このため、オートレジ４０等は、レシート６０に印字されたＱＲコード６１の読み取りを実行する（ステップ２３）。
　次に、オートレジ４０等は、ＱＲコード６１の画像をデコードして管理ＩＤを取得する（ステップ２４）。
　管理ＩＤが取得されると、オートレジ４０等は、電子マネー管理サーバー３０に対し、管理ＩＤと決済額を送信する（ステップ２５）。 When the registration of the product or the like is completed, the auto cash register 40 or the like calculates the settlement amount (step 22). After this, the payment method is selected. In FIG. 11, payment by the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) is selected.
Therefore, the auto cash register 40 and the like read the QR code 61 printed on the receipt 60 (step 23).
Next, the auto register 40 or the like decodes the image of the QR code 61 and acquires the management ID (step 24).
When the management ID is acquired, the auto cash register 40 or the like transmits the management ID and the payment amount to the electronic money management server 30 (step 25).
　一方、送信先である電子マネー管理サーバー３０は、管理ＩＤと決済額を受信する（ステップ２６）。
　管理ＩＤと決済額を受信した電子マネー管理サーバー３０は、管理ＩＤに紐付けられている最新の残高が決済額以上か否かを判定する（ステップ２７）。
　ステップ２７で否定結果が得られた場合、電子マネー管理サーバー３０は、決済できない旨をオートレジ４０等に通知する。この通知を受けたオートレジ４０等は、未決済で終了する（ステップ２８）。 On the other hand, the electronic money management server 30, which is the destination, receives the management ID and the payment amount (step 26).
The electronic money management server 30 that has received the management ID and the payment amount determines whether or not the latest balance associated with the management ID is equal to or greater than the payment amount (step 27).
If a negative result is obtained in step 27, the electronic money management server 30 notifies the auto-registration 40 and the like that payment cannot be made. The auto cash register 40 or the like that has received this notification ends without settlement (step 28).
　一方、ステップ２７で肯定結果が得られた場合、電子マネー管理サーバー３０は、残高から決済額を引去る（ステップ２９）。
　次に、電子マネー管理サーバー３０は、管理ＩＤに紐付けられる残高を更新する（ステップ３０）。具体的には、管理ＩＤに紐付けられる残高が、直前の残高から決済額を引去った金額に更新される。
　この後、電子マネー管理サーバー３０は、決済額の送信元であるオートレジ４０等に対し、管理ＩＤと決済の完了を通知する（ステップ３１）。
　これにより、通知を受けたオートレジ４０等は、決済を終了する（ステップ３２）。 On the other hand, if a positive result is obtained in step 27, the electronic money management server 30 subtracts the settlement amount from the balance (step 29).
Next, the electronic money management server 30 updates the balance associated with the management ID (step 30). Specifically, the balance associated with the management ID is updated to the amount obtained by subtracting the settlement amount from the immediately preceding balance.
After that, the electronic money management server 30 notifies the auto-registration 40 and the like, which is the sender of the payment amount, of the management ID and the completion of the payment (step 31).
As a result, the auto cash register 40 or the like that has received the notification ends the settlement (step 32).
＜払い戻し時の処理動作＞
　図１２は、実施の形態１における払い戻し時の処理動作の一例を説明する図である。
　図１２の場合、払い戻しは、チャージ機１０において開始される。もっとも、オートレジ４０等で残高の払い戻しが可能でもよい。
　まず、チャージ機１０が、払い戻し処理を受け付ける（ステップ４１）。払い戻し処理は、操作画面上で払い戻しが選択されることで開始される。図１２の場合、全額の払い戻しを想定するが、残高の一部の払い戻しを可能としてもよい。 <Processing operation at the time of refund>
FIG. 12 is a diagram illustrating an example of a processing operation at the time of refund in the first embodiment.
In the case of FIG. 12, the refund is started at the charging machine 10. However, the balance may be refunded at the auto cash register 40 or the like.
First, the charging machine 10 accepts the refund process (step 41). The refund process is started when the refund is selected on the operation screen. In the case of FIG. 12, a full refund is assumed, but a partial refund of the balance may be possible.
　次に、チャージ機１０は、レシート６０（図３参照）に印字されたＱＲコード６１（図３参照）の読み取りを実行する（ステップ４２）。
　続いて、チャージ機１０は、ＱＲコード６１の画像をデコードして管理ＩＤを取得する（ステップ４３）。
　管理ＩＤが取得されると、チャージ機１０は、電子マネー管理サーバー３０に対し、管理ＩＤと払い戻しイベントの受付を送信する（ステップ４４）。 Next, the charging machine 10 executes reading of the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 42).
Subsequently, the charging machine 10 decodes the image of the QR code 61 and acquires the management ID (step 43).
When the management ID is acquired, the charging machine 10 transmits the management ID and the receipt of the refund event to the electronic money management server 30 (step 44).
　管理ＩＤと払い戻しイベントの受付を受信した電子マネー管理サーバー３０は、管理ＩＤに紐付けられている残高を確認して返信する（ステップ４５）。 The electronic commerce management server 30 that has received the management ID and the receipt of the refund event confirms the balance associated with the management ID and returns (step 45).
　残高の情報を受信したチャージ機１０は、紙幣処理ユニット１５に対し、残高分の紙幣の払い戻しを指示する。その後、チャージ機１０は、払い戻しが成功したか否かを判定する（ステップ４６）。
　ステップ４６で否定結果が得られた場合、チャージ機１０は、電子マネー管理サーバー３０に対し、管理ＩＤと払い戻しの失敗を通知する。この場合、電子マネー管理サーバー３０は、通知を受けた管理ＩＤについての残高を更新せず、直前値を維持する（ステップ４７）。 Upon receiving the balance information, the charging machine 10 instructs the bill processing unit 15 to refund the bills corresponding to the balance. After that, the charging machine 10 determines whether or not the refund is successful (step 46).
If a negative result is obtained in step 46, the charging machine 10 notifies the electronic money management server 30 of the management ID and the failure of refund. In this case, the electronic commerce management server 30 does not update the balance of the notified management ID, but maintains the immediately preceding value (step 47).
　一方、ステップ４６で肯定結果が得られた場合、チャージ機１０は、電子マネー管理サーバー３０に対し、管理ＩＤと払い戻し額を通知する（ステップ４８）。
　チャージ機１０から通知を受けた電子マネー管理サーバー３０は、通知を受けた払い戻し額により管理ＩＤに紐付けられている残高を更新する（ステップ４９）。具体的には、残高０（ゼロ）に更新する。又は、電子マネー管理サーバー３０は、通知を受けた管理ＩＤ等を消去する。 On the other hand, if an affirmative result is obtained in step 46, the charging machine 10 notifies the electronic money management server 30 of the management ID and the refund amount (step 48).
The electronic commerce management server 30 notified from the charging machine 10 updates the balance associated with the management ID by the notified refund amount (step 49). Specifically, the balance is updated to 0 (zero). Alternatively, the electronic money management server 30 deletes the notified management ID and the like.
＜システムの適用例＞
　本実施の形態で説明した電子マネー管理システム１（図１参照）は、例えば社員食堂の決済システムに使用することが可能である。
　専用の磁気プリペイドカードや専用のＩＤカードの使用を前提とする社員食堂では、一時ユーザとしての外来者に対して、磁気プリペイドカード等が貸し出される。ところが、外来者が磁気プリペイドカード等を誤って持ち帰る事故が起こり得る。 <System application example>
The electronic money management system 1 (see FIG. 1) described in the present embodiment can be used, for example, in a payment system of an employee cafeteria.
At the employee cafeteria, which is premised on the use of a dedicated magnetic prepaid card or a dedicated ID card, a magnetic prepaid card or the like is lent to an outpatient as a temporary user. However, an accident may occur in which a foreigner accidentally brings back a magnetic prepaid card or the like.
　しかし、持ち帰られた磁気プリペイドカード等を回収することは難しく、運用コストを上昇させてしまう。
　また、専用の磁気プリペイドカード等を前提とする決済システムは、初期導入コストが高く、専用の磁気プリペイドカード等の在庫管理も必要になる。 However, it is difficult to collect the magnetic prepaid card or the like brought back, which increases the operating cost.
In addition, a payment system premised on a dedicated magnetic prepaid card or the like has a high initial introduction cost, and inventory management of the dedicated magnetic prepaid card or the like is also required.
　そこで、外来者に対しては、既に実用化されている流通系や交通系の電子マネーの利用を可能としてもよい。
　しかし、対応する電子マネーの種類が増えると導入コストの上昇を招く上に、利用を可能とした電子マネーを外来者が保持しているとも限らない。 Therefore, it may be possible for foreigners to use electronic money for distribution and transportation that has already been put into practical use.
However, if the types of corresponding electronic commerce increase, the introduction cost will increase, and the foreigner does not always have the electronic commerce that can be used.
　これに対し、本実施の形態で説明した電子マネー管理システム１の場合には、入金額に紐付けられた管理ＩＤを表すＱＲコード６１（図３参照）をレシート６０（図３参照）に印字するだけであるので、初期導入コストが安く済む。
　また、専用の磁気プリペイドカード等の在庫管理も不要であるので、運用コストも安いクローズド型の決済システムが実現される。 On the other hand, in the case of the electronic money management system 1 described in the present embodiment, the QR code 61 (see FIG. 3) representing the management ID associated with the deposit amount is printed on the receipt 60 (see FIG. 3). The initial introduction cost is low because it only needs to be done.
In addition, since it is not necessary to manage the inventory of a dedicated magnetic prepaid card or the like, a closed payment system with low operating costs can be realized.
＜実施の形態２＞
＜システムの構成＞
　図１３は、実施の形態２で使用する電子マネー管理システム１Ａの一例を説明する図である。図１３には、図１との対応部分に対応する符号を付して示している。
　電子マネー管理システム１Ａは、チャージ機１０Ａと、ネットワーク２０と、オートレジ４０と、ＰＯＳレジ５０とで構成されている。 <Embodiment 2>
<System configuration>
FIG. 13 is a diagram illustrating an example of the electronic money management system 1A used in the second embodiment. In FIG. 13, a reference numeral corresponding to a portion corresponding to that in FIG. 1 is added.
The electronic money management system 1A includes a charging machine 10A, a network 20, an auto cash register 40, and a POS cash register 50.
　すなわち、電子マネー管理システム１Ａは、電子マネー管理サーバー３０（図１参照）を設けない点で、実施の形態１における電子マネー管理システム１（図１参照）と相違する。
　このため、本実施の形態で使用するチャージ機１０Ａには、自機でチャージされた電子マネーを管理する機能が設けられている。 That is, the electronic money management system 1A is different from the electronic money management system 1 (see FIG. 1) in the first embodiment in that the electronic money management server 30 (see FIG. 1) is not provided.
Therefore, the charging machine 10A used in the present embodiment is provided with a function of managing the electronic money charged by the own machine.
　なお、複数のチャージ機１０Ａがネットワーク２０に接続される場合、電子マネーの残高は、システム内の複数のチャージ機１０Ａで分散管理される。
　本実施の形態における電子マネー管理システム１Ａも、決済システムの一例である。また、チャージ機１０Ａは、第１の端末の一例である。 When a plurality of charging machines 10A are connected to the network 20, the balance of electronic money is distributed and managed by the plurality of charging machines 10A in the system.
The electronic money management system 1A in the present embodiment is also an example of a payment system. Further, the charging machine 10A is an example of the first terminal.
＜チャージ機の構成＞
　図１４は、実施の形態２で使用するチャージ機１０Ａの内部構成の一例を説明する図である。図１４には、図４との対応部分に対応する符号を付して示している。
　図１４に示すチャージ機１０Ａも、表示操作部１１と、音声出力部１２と、レシートプリンタ１３と、ＱＲコードリーダ１４と、紙幣処理ユニット１５と、通信部１６と、記憶部１７と、制御部１８０と、を有している。 <Configuration of charging machine>
FIG. 14 is a diagram illustrating an example of the internal configuration of the charging machine 10A used in the second embodiment. FIG. 14 is shown with reference numerals corresponding to the portions corresponding to those in FIG.
The charging machine 10A shown in FIG. 14 also has a display operation unit 11, a voice output unit 12, a receipt printer 13, a QR code reader 14, a bill processing unit 15, a communication unit 16, a storage unit 17, and a control unit. It has 180 and.
　ただし、本実施の形態における記憶部１７は、自機でチャージされた電子マネーの管理データ（すなわち電子マネー管理データ）１７Ｃを記憶する。電子マネー管理データ１７Ｃのデータ構造は、電子マネー管理データ３４Ａ（図６参照）と同じである。
　記憶部１７には、マスターデータである電子マネー管理データ１７Ｃが記憶されるため、入金データや残高データを別に記憶する必要はない。なお、記憶部１７は、自機でチャージされた電子マネーだけを記憶する点で、実施の形態１における電子マネー管理サーバー３０（図１参照）と相違する。 However, the storage unit 17 in the present embodiment stores the electronic money management data (that is, electronic money management data) 17C charged by the own machine. The data structure of the electronic money management data 17C is the same as that of the electronic money management data 34A (see FIG. 6).
Since the electronic money management data 17C, which is master data, is stored in the storage unit 17, it is not necessary to separately store the deposit data and the balance data. The storage unit 17 is different from the electronic money management server 30 (see FIG. 1) in the first embodiment in that only the electronic money charged by the own machine is stored.
　制御部１８０は、ＣＰＵと、ＢＩＯＳ等が記憶されたＲＯＭと、ワークエリアとして用いられるＲＡＭ等を有している。
　制御部１８０は、いわゆるコンピュータであり、プログラムの実行を通じて各種の機能を実現する。
　本実施の形態の場合、制御部１８０には、実施の形態１で説明した制御部１８（図４参照）の機能と、実施の形態１で説明した電子マネー管理サーバー３０（図１参照）を構成する制御部３５（図５参照）の機能とを有している。 The control unit 180 has a CPU, a ROM in which a BIOS and the like are stored, a RAM and the like used as a work area, and the like.
The control unit 180 is a so-called computer, and realizes various functions through the execution of a program.
In the case of the present embodiment, the control unit 180 includes the functions of the control unit 18 (see FIG. 4) described in the first embodiment and the electronic money management server 30 (see FIG. 1) described in the first embodiment. It has the function of the constituent control unit 35 (see FIG. 5).
　具体的には、制御部１８０は、表示制御部１８Ａ、チャージ金額特定部１８Ｂ、チャージ処理部１８Ｃ、ＱＲコード生成部１８Ｄ、ＱＲコードデコード部１８Ｅ、残高払い戻し制御部１８Ｆ、管理ＩＤ付与部１８Ｇ、電子マネー管理部１８Ｈ、残高通知部１８Ｊ、決済額引去部１８Ｋとして機能する。
　このうち、管理ＩＤ付与部１８Ｇは、管理ＩＤ付与部３５Ａ（図５参照）に対応し、電子マネー管理部１８Ｈは、電子マネー管理部３５Ｂ（図５参照）に対応し、残高通知部１８Ｊは、残高通知部３５Ｃ（図５参照）に対応し、決済額引去部１８Ｋは、決済額引去部３５Ｄ（図５参照）に対応する。 Specifically, the control unit 180 includes a display control unit 18A, a charge amount specifying unit 18B, a charge processing unit 18C, a QR code generation unit 18D, a QR code decoding unit 18E, a balance refund control unit 18F, and a management ID assigning unit 18G. It functions as an electronic money management unit 18H, a balance notification unit 18J, and a payment amount withdrawal unit 18K.
Of these, the management ID assigning unit 18G corresponds to the management ID assigning unit 35A (see FIG. 5), the electronic money management unit 18H corresponds to the electronic money management unit 35B (see FIG. 5), and the balance notification unit 18J corresponds to the balance notification unit 18J. , The balance notification unit 35C (see FIG. 5), and the settlement amount withdrawal unit 18K corresponds to the settlement amount withdrawal unit 35D (see FIG. 5).
　ただし、本実施の形態におけるＱＲコード生成部１８Ｄは、電子マネーを発行したチャージ機１０Ａを特定するための情報を含むＱＲコード６１（図３参照）を生成する点で実施の形態１と相違する。
　ここで、チャージ機１０Ａを特定するための情報とは、例えばネットワーク２０上のＩＰアドレスである。 However, the QR code generation unit 18D in the present embodiment differs from the first embodiment in that the QR code 61 (see FIG. 3) including information for specifying the charging machine 10A that issued the electronic money is generated. ..
Here, the information for specifying the charging machine 10A is, for example, an IP address on the network 20.
　もっとも、ネットワーク２０上のＩＰアドレスに代えて、又は、一緒にチャージ機１０Ａに付与されている管理上の番号や設置場所等の情報が含まれてもよい。
　もっとも、管理上の番号や設置場所等の情報を用いる場合には、これらの情報をネットワーク上のＩＰアドレスに紐付けた情報を、オートレジ４０（図１３参照）やＰＯＳレジ５０（図１３参照）、又は、不図示のサーバーに記憶する仕組みを採用する。
　これらの仕組みを採用することにより、決済に使用する電子マネーが管理されているチャージ機１０Ａへのアクセスが可能になる。 However, information such as a management number and an installation location assigned to the charging machine 10A may be included in place of or together with the IP address on the network 20.
However, when using information such as management numbers and installation locations, the information associated with these information to the IP address on the network is used as the auto register 40 (see FIG. 13) or the POS register 50 (see FIG. 13). Or, adopt a mechanism to store in a server (not shown).
By adopting these mechanisms, it becomes possible to access the charging machine 10A in which the electronic money used for payment is managed.
＜処理動作＞
　以下では、図１５～図１８を使用して実施の形態２で使用する電子マネー管理システム１Ａ（図１３参照）における処理動作を説明する。
＜新規チャージ時の処理動作＞
　図１５は、実施の形態２における新規チャージの処理動作の一例を説明する図である。図１５には、図９との対応部分に対応する符号を付して示している。 <Processing operation>
Hereinafter, the processing operation in the electronic money management system 1A (see FIG. 13) used in the second embodiment will be described with reference to FIGS. 15 to 18.
<Processing operation at the time of new charge>
FIG. 15 is a diagram illustrating an example of a new charge processing operation according to the second embodiment. FIG. 15 is shown with reference numerals corresponding to the portions corresponding to those in FIG.
　ここでも、チャージ機１０Ａが入金処理を開始する（ステップ１）。入金処理は、操作画面上でチャージが選択されることで開始される。ここでは、新規チャージが選択される。
　チャージ機１０Ａは、ユーザの指定したチャージ額、もしくはそれを上回る紙幣の投入を検知すると、管理ＩＤを付与する（ステップ３）。なお、チャージ機１０Ａは、ユーザの指定したチャージ額を上回る紙幣が投入された場合には、チャージ額との差額をお釣りとして払い出す。 Here, too, the charging machine 10A starts the deposit processing (step 1). The deposit process is started when a charge is selected on the operation screen. Here, a new charge is selected.
When the charging machine 10A detects the insertion of a bill that is equal to or greater than the charge amount specified by the user, the charging machine 10A assigns a management ID (step 3). When a bill exceeding the charge amount specified by the user is inserted, the charging machine 10A pays out the difference from the charge amount as change.
　ここでの管理ＩＤは、電子マネーのチャージを受け付けるチャージ機１０Ａ内で一意の情報である。ＱＲコード６１には、自機を特定する情報も含まれるためである。もっとも、管理ＩＤとして、グローバルに一意となるようにＩＤを付してもよい。
　次に、チャージ機１０Ａは、管理ＩＤに対し、チャージ額を紐付けて記録する（ステップ４）。すなわち、電子マネー管理データ１７Ｃ（図１４参照）による管理が開始される。 The management ID here is unique information in the charging machine 10A that accepts the charge of electronic money. This is because the QR code 61 also includes information for identifying the own machine. However, as the management ID, an ID may be attached so as to be globally unique.
Next, the charging machine 10A associates the charge amount with the management ID and records it (step 4). That is, the management by the electronic money management data 17C (see FIG. 14) is started.
　この後、チャージ機１０Ａは、管理ＩＤを用いてＱＲコード６１（図３参照）を生成し、レシート６０（図３参照）に印字する（ステップ６）。前述したように、ＱＲコード６１には、チャージ機１０Ａを特定する情報も含まれる。もっとも、管理ＩＤによってチャージ機１０Ａの特定が可能な場合には、チャージ機１０Ａを特定する情報を、管理ＩＤとは別に用意する必要はない。
　実施の形態１の場合とは異なり、チャージ機１０Ａ内で動作が完結している。 After that, the charging machine 10A generates a QR code 61 (see FIG. 3) using the management ID and prints it on the receipt 60 (see FIG. 3) (step 6). As described above, the QR code 61 also includes information for identifying the charging machine 10A. However, when the charging machine 10A can be specified by the management ID, it is not necessary to prepare the information for specifying the charging machine 10A separately from the management ID.
Unlike the case of the first embodiment, the operation is completed in the charging machine 10A.
＜追加チャージ時の処理動作＞
　図１６は、実施の形態２における追加チャージの処理動作の一例を説明する図である。図１６には、図１０との対応部分に対応する符号を付して示している。
　ここでも、チャージ機１０Ａが入金処理を開始する（ステップ１）。入金処理は、操作画面上でチャージが選択されることで開始される。ここでは、追加チャージが選択される。
　このため、チャージ機１０Ａは、レシート６０（図３参照）に印字されたＱＲコード６１（図３参照）の読み取りを実行する（ステップ１１）。 <Processing operation at the time of additional charge>
FIG. 16 is a diagram illustrating an example of an additional charge processing operation according to the second embodiment. In FIG. 16, a reference numeral corresponding to a portion corresponding to that in FIG. 10 is added.
Here, too, the charging machine 10A starts the deposit processing (step 1). The deposit process is started when a charge is selected on the operation screen. Here, an additional charge is selected.
Therefore, the charging machine 10A executes reading of the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 11).
　次に、チャージ機１０Ａは、ＱＲコード６１の画像をデコードして管理ＩＤを取得する（ステップ１２）。
　取得された管理ＩＤが自機で管理され、かつ、ユーザの指定したチャージ額、もしくはそれを上回る紙幣の投入が検知された場合、チャージ機１０Ａは、管理ＩＤの残高を更新する（ステップ１４）。具体的には、取得した管理ＩＤに紐付けられている最新の残高に追加チャージ額を加算した金額が、電子マネー管理データ１７Ｃ（図１４参照）に記録される。
　この後、チャージ機１０Ａは、管理ＩＤを用いてＱＲコード６１を生成し、レシート６０に印字する（ステップ６）。
　追加チャージも、チャージ機１０Ａ内で動作が完結している。 Next, the charging machine 10A decodes the image of the QR code 61 and acquires the management ID (step 12).
When the acquired management ID is managed by the own machine and the insertion of bills specified by the user or exceeding the charge amount is detected, the charging machine 10A updates the balance of the management ID (step 14). .. Specifically, the amount obtained by adding the additional charge amount to the latest balance associated with the acquired management ID is recorded in the electronic money management data 17C (see FIG. 14).
After that, the charging machine 10A generates a QR code 61 using the management ID and prints it on the receipt 60 (step 6).
The operation of the additional charge is completed within the charging machine 10A.
＜決済時の処理動作＞
　図１７は、実施の形態２における決済時の処理動作の一例を説明する図である。図１７には、図１１との対応部分に対応する符号を付して示している。
　決済は、オートレジ４０又はＰＯＳレジ５０において開始される。以下では、「オートレジ４０等」という。
　まず、オートレジ４０等が、決済の対象である商品等を登録する（ステップ２１）。商品等の登録は自動で実行される場合もあれば、レジスタッフやユーザが行う場合もある。 <Processing operation at the time of payment>
FIG. 17 is a diagram illustrating an example of a processing operation at the time of settlement in the second embodiment. FIG. 17 is shown with reference numerals corresponding to the portions corresponding to those in FIG.
Settlement is started at the auto cash register 40 or the POS cash register 50. Hereinafter, it is referred to as "auto cash register 40 etc."
First, the auto cash register 40 or the like registers the product or the like to be settled (step 21). Registration of products, etc. may be performed automatically, or it may be performed by cashier staff or users.
　商品等の登録が終了すると、オートレジ４０等は、決済額を算出する（ステップ２２）。この後、決済の方法が選択される。図１７では、レシート６０（図３参照）に印字されたＱＲコード６１（図３参照）による決済が選択されている。
　このため、オートレジ４０等は、レシート６０に印字されたＱＲコード６１の読み取りを実行する（ステップ２３）。
　次に、オートレジ４０等は、ＱＲコード６１の画像をデコードして管理ＩＤとチャージ機１０Ａのアドレスを取得する（ステップ２４Ａ）。
　管理ＩＤとアドレスが取得されると、オートレジ４０等は、取得されたアドレスを宛先として、管理ＩＤと決済額を送信する（ステップ２５）。 When the registration of the product or the like is completed, the auto cash register 40 or the like calculates the settlement amount (step 22). After this, the payment method is selected. In FIG. 17, payment by the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) is selected.
Therefore, the auto cash register 40 and the like read the QR code 61 printed on the receipt 60 (step 23).
Next, the auto register 40 or the like decodes the image of the QR code 61 and acquires the management ID and the address of the charging machine 10A (step 24A).
When the management ID and the address are acquired, the auto cash register 40 or the like transmits the management ID and the payment amount to the acquired address as the destination (step 25).
　一方、宛先であるチャージ機１０Ａは、管理ＩＤと決済額を受信する（ステップ２６）。
　管理ＩＤと決済額を受信したチャージ機１０Ａは、管理ＩＤに紐付けられている最新の残高が決済額以上か否かを判定する（ステップ２７）。
　ステップ２７で否定結果が得られた場合、チャージ機１０Ａは、決済できない旨をオートレジ４０等に通知する。この通知を受けたオートレジ４０等は、未決済で終了する（ステップ２８）。 On the other hand, the charging machine 10A, which is the destination, receives the management ID and the payment amount (step 26).
The charging machine 10A that has received the management ID and the settlement amount determines whether or not the latest balance associated with the management ID is equal to or greater than the settlement amount (step 27).
If a negative result is obtained in step 27, the charging machine 10A notifies the auto cash register 40 and the like that payment cannot be made. The auto cash register 40 or the like that has received this notification ends without settlement (step 28).
　一方、ステップ２７で肯定結果が得られた場合、チャージ機１０Ａは、残高から決済額を引去る（ステップ２９）。
　次に、チャージ機１０Ａは、管理ＩＤに紐付けられる残高を更新する（ステップ３０）。具体的には、管理ＩＤに紐付けられる残高が、直前の残高から決済額を引去った金額に更新される。
　この後、チャージ機１０Ａは、決済額の送信元であるオートレジ４０等に対し、管理ＩＤと決済の完了を通知する（ステップ３１）。
　これにより、通知を受けたオートレジ４０等は、決済を終了する（ステップ３２）。 On the other hand, if a positive result is obtained in step 27, the charging machine 10A subtracts the settlement amount from the balance (step 29).
Next, the charging machine 10A updates the balance associated with the management ID (step 30). Specifically, the balance associated with the management ID is updated to the amount obtained by subtracting the settlement amount from the immediately preceding balance.
After that, the charging machine 10A notifies the auto cash register 40 or the like, which is the transmission source of the payment amount, of the management ID and the completion of the payment (step 31).
As a result, the auto cash register 40 or the like that has received the notification ends the settlement (step 32).
＜払い戻し時の処理動作＞
　図１８は、実施の形態２における払い戻し時の処理動作の一例を説明する図である。図１８には、図１２との対応部分に対応する符号を付して示している。
　図１８の場合も、払い戻しは、チャージ機１０Ａにおいて開始される。もっとも、オートレジ４０等で残高の払い戻しが可能でもよい。
　まず、チャージ機１０Ａが、払い戻し処理を受け付ける（ステップ４１）。払い戻し処理は、操作画面上で払い戻しが選択されることで開始される。図１８の場合、全額の払い戻しを想定するが、残高の一部の払い戻しを可能としてもよい。 <Processing operation at the time of refund>
FIG. 18 is a diagram illustrating an example of a processing operation at the time of refund in the second embodiment. FIG. 18 is shown with reference numerals corresponding to the portions corresponding to those in FIG.
Also in the case of FIG. 18, the refund is started in the charging machine 10A. However, the balance may be refunded at the auto cash register 40 or the like.
First, the charging machine 10A accepts the refund process (step 41). The refund process is started when the refund is selected on the operation screen. In the case of FIG. 18, a full refund is assumed, but a partial refund of the balance may be possible.
　次に、チャージ機１０Ａは、レシート６０（図３参照）に印字されたＱＲコード６１（図３参照）の読み取りを実行する（ステップ４２）。
　続いて、チャージ機１０Ａは、ＱＲコード６１の画像をデコードして管理ＩＤを取得する（ステップ４３）。
　取得した管理ＩＤが自機で管理されている場合、チャージ機１０Ａは、管理ＩＤに紐付けられている残高を確認する（ステップ４５Ａ）。なお、取得した管理ＩＤが他のチャージ機１０Ａで管理されている場合、チャージ機１０Ａは、管理ＩＤと共に読み出したアドレスを用いて他のチャージ機１０Ａと通信し、残高を確認する。 Next, the charging machine 10A executes reading of the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 42).
Subsequently, the charging machine 10A decodes the image of the QR code 61 and acquires the management ID (step 43).
When the acquired management ID is managed by the own machine, the charging machine 10A confirms the balance associated with the management ID (step 45A). When the acquired management ID is managed by another charging machine 10A, the charging machine 10A communicates with the other charging machine 10A using the address read together with the management ID, and confirms the balance.
　次に、チャージ機１０Ａは、紙幣処理ユニット１５に対し、残高分の紙幣の払い戻しを指示する。その後、チャージ機１０Ａは、払い戻しが成功したか否かを判定する（ステップ４６）。
　ステップ４６で否定結果が得られた場合、チャージ機１０Ａは、残高を更新せず、直前値を維持する（ステップ４７）。 Next, the charging machine 10A instructs the bill processing unit 15 to refund the bills corresponding to the balance. After that, the charging machine 10A determines whether or not the refund is successful (step 46).
If a negative result is obtained in step 46, the charging machine 10A does not update the balance and maintains the immediately preceding value (step 47).
　一方、ステップ４６で肯定結果が得られた場合、チャージ機１０Ａは、残高を更新する（ステップ４９）。具体的には、残高０（ゼロ）に更新する。又は、管理ＩＤ等を消去する。なお、管理ＩＤが他のチャージ機１０Ａで管理されている場合、チャージ機１０Ａは、他のチャージ機１０Ａに対して残高の更新を指示する。 On the other hand, if a positive result is obtained in step 46, the charging machine 10A updates the balance (step 49). Specifically, the balance is updated to 0 (zero). Alternatively, the management ID or the like is deleted. When the management ID is managed by another charging machine 10A, the charging machine 10A instructs the other charging machine 10A to update the balance.
＜実施の形態３＞
＜システムの構成＞
　図１９は、実施の形態３で使用する電子マネー管理システム１Ｂの一例を説明する図である。図１９には、図１３との対応部分に対応する符号を付して示している。
　電子マネー管理システム１Ｂには、電子マネー管理サーバー３０（図１参照）だけでなく、チャージ機１０Ａもネットワーク２０に接続されていない点で実施の形態２と相違する。すなわち、図１９に示す電子マネー管理システム１Ｂは、ネットワーク２０と、オートレジ４０と、ＰＯＳレジ５０Ａとで構成されている。 <Embodiment 3>
<System configuration>
FIG. 19 is a diagram illustrating an example of the electronic money management system 1B used in the third embodiment. FIG. 19 is shown with reference numerals corresponding to the portions corresponding to those in FIG. 13.
The electronic commerce management system 1B differs from the second embodiment in that not only the electronic commerce management server 30 (see FIG. 1) but also the charging machine 10A is not connected to the network 20. That is, the electronic money management system 1B shown in FIG. 19 is composed of a network 20, an auto register 40, and a POS register 50A.
　図１９では、２台のＰＯＳレジ５０Ａのうちの１台を「ＰＯＳレジ＃１」と表記し、他の１台を［ＰＯＳレジ＃２］と表記する。「ＰＯＳレジ＃１」は第１の端末の一例であり、「ＰＯＳレジ＃２」は第２の端末の一例である。 In FIG. 19, one of the two POS cash registers 50A is referred to as "POS cash register # 1", and the other one is referred to as [POS cash register # 2]. "POS cash register # 1" is an example of a first terminal, and "POS cash register # 2" is an example of a second terminal.
　電子マネー管理システム１Ｂでは、２台のＰＯＳレジ５０Ａのうちの少なくとも１台に、レシートプリンタと、ＱＲコードリーダと、電子マネーをチャージする機能が設けられる場合を想定する。
　もっとも、本実施の形態では、「ＰＯＳレジ＃１」と「ＰＯＳレジ＃２」の両方が条件を満たすものとする。なお、オートレジ４０にも、レシートプリンタと、ＱＲコードリーダと、電子マネーをチャージする機能を設けることを排除しない。 In the electronic money management system 1B, it is assumed that at least one of the two POS cash registers 50A is provided with a receipt printer, a QR code reader, and a function for charging electronic money.
However, in the present embodiment, it is assumed that both "POS cash register # 1" and "POS cash register # 2" satisfy the conditions. It should be noted that the auto cash register 40 is not excluded from being provided with a receipt printer, a QR code reader, and a function of charging electronic money.
＜ＰＯＳレジの構成＞
　図２０は、実施の形態３で使用するＰＯＳレジ５０Ａの内部構成の一例を説明する図である。図２０には、図８との対応部分に対応する符号を付して示している。
　ＰＯＳレジ５０Ａも、表示操作部５１と、紙幣処理部５２と、硬貨処理部５３と、レシートプリンタ５４と、ＱＲコードリーダ５５と、通信部５６と、記憶部５７と、制御部５８０と、を有している。 <Structure of POS cash register>
FIG. 20 is a diagram illustrating an example of the internal configuration of the POS register 50A used in the third embodiment. In FIG. 20, reference numerals corresponding to the portions corresponding to those in FIG. 8 are added.
The POS cash register 50A also includes a display operation unit 51, a bill processing unit 52, a coin processing unit 53, a receipt printer 54, a QR code reader 55, a communication unit 56, a storage unit 57, and a control unit 580. Have.
　ただし、本実施の形態における記憶部５７は、自機でチャージされた電子マネーの管理データ（すなわち電子マネー管理データ）５７Ａを記憶する。電子マネー管理データ５７Ａのデータ構造は、電子マネー管理データ３４Ａ（図６参照）と同じである。
　記憶部５７には、マスターデータである電子マネー管理データ５７Ａが記憶されるため、入金データや残高データを別に記憶する必要はない。なお、記憶部５７は、自機でチャージされた電子マネーだけを記憶する点で、実施の形態１における電子マネー管理サーバー３０（図１参照）と相違する。 However, the storage unit 57 in the present embodiment stores the electronic commerce management data (that is, electronic commerce management data) 57A charged by the own machine. The data structure of the electronic money management data 57A is the same as that of the electronic money management data 34A (see FIG. 6).
Since the electronic money management data 57A, which is master data, is stored in the storage unit 57, it is not necessary to separately store the deposit data and the balance data. The storage unit 57 is different from the electronic money management server 30 (see FIG. 1) in the first embodiment in that only the electronic money charged by the own machine is stored.
　制御部５８０は、ＣＰＵと、ＢＩＯＳ等が記憶されたＲＯＭと、ワークエリアとして用いられるＲＡＭ等を有している。
　制御部５８０は、いわゆるコンピュータであり、プログラムの実行を通じて各種の機能を実現する。本実施の形態の場合、制御部５８０には、実施の形態１におけるＰＯＳレジ５０（図８参照）を構成する制御部５８（図８参照）の機能と、実施の形態２におけるチャージ機１０Ａ（図１４参照）を構成する制御部１８０（図１４参照）の機能とを有している。 The control unit 580 has a CPU, a ROM in which the BIOS and the like are stored, a RAM and the like used as a work area, and the like.
The control unit 580 is a so-called computer, and realizes various functions through the execution of a program. In the case of the present embodiment, the control unit 580 has the functions of the control unit 58 (see FIG. 8) constituting the POS register 50 (see FIG. 8) in the first embodiment and the charging machine 10A (see FIG. 8) in the second embodiment. It has the function of the control unit 180 (see FIG. 14) constituting the control unit 180 (see FIG. 14).
　具体的には、制御部５８０は、ＱＲコードデコード部５８Ａ、未済額算出部５８Ｂ、決済額通知部５８Ｃ、決済結果取得部５８Ｄ、表示制御部５８Ｅ、チャージ金額特定部５８Ｆ、チャージ処理部５８Ｇ、ＱＲコード生成部５８Ｈ、残高払い戻し制御部５８Ｊ、管理ＩＤ付与部５８Ｋ、電子マネー管理部５８Ｌ、残高通知部５８Ｍ、決済額引去部５８Ｎとして機能する。 Specifically, the control unit 580 includes a QR code decoding unit 58A, an unpaid amount calculation unit 58B, a payment amount notification unit 58C, a payment result acquisition unit 58D, a display control unit 58E, a charge amount specifying unit 58F, and a charge processing unit 58G. It functions as a QR code generation unit 58H, a balance refund control unit 58J, a management ID giving unit 58K, an electronic money management unit 58L, a balance notification unit 58M, and a settlement amount withdrawal unit 58N.
　このうち、表示制御部５８Ｅは、表示制御部１８Ａ（図１４参照）に対応し、チャージ金額特定部５８Ｆは、チャージ金額特定部１８Ｂ（図１４参照）に対応し、チャージ処理部５８Ｇは、チャージ処理部１８Ｃ（図１４参照）に対応し、ＱＲコード生成部５８Ｈは、ＱＲコード生成部１８Ｄ（図１４参照）に対応する。 Of these, the display control unit 58E corresponds to the display control unit 18A (see FIG. 14), the charge amount specifying unit 58F corresponds to the charge amount specifying unit 18B (see FIG. 14), and the charge processing unit 58G corresponds to the charge processing unit 58G. Corresponding to the processing unit 18C (see FIG. 14), the QR code generation unit 58H corresponds to the QR code generation unit 18D (see FIG. 14).
　また、残高払い戻し制御部５８Ｊは、残高払い戻し制御部１８Ｆ（図１４参照）に対応し、管理ＩＤ付与部５８Ｋは、管理ＩＤ付与部１８Ｇ（図１４参照）に対応し、電子マネー管理部５８Ｌは、電子マネー管理部１８Ｈ（図１４参照）に対応し、残高通知部５８Ｍは、残高通知部１８Ｊ（図１４参照）に対応し、決済額引去部５８Ｎは、決済額引去部１８Ｋ（図１４参照）に対応する。 Further, the balance refund control unit 58J corresponds to the balance refund control unit 18F (see FIG. 14), the management ID assignment unit 58K corresponds to the management ID assignment unit 18G (see FIG. 14), and the electronic money management unit 58L corresponds to the electronic money management unit 58L. , The electronic money management unit 18H (see FIG. 14), the balance notification unit 58M corresponds to the balance notification unit 18J (see FIG. 14), and the settlement amount withdrawal unit 58N is the settlement amount withdrawal unit 18K (see FIG. 14). 14).
　なお、本実施の形態におけるＱＲコード生成部５８Ｈは、電子マネーを発行したＰＯＳレジ５０Ａを特定するための情報を含むＱＲコード６１（図３参照）を生成する点で実施の形態２と相違する。
　ここで、ＰＯＳレジ５０Ａを特定するための情報とは、例えばネットワーク２０上のＩＰアドレスである。 The QR code generation unit 58H in the present embodiment is different from the second embodiment in that the QR code generation unit 58H generates a QR code 61 (see FIG. 3) including information for specifying the POS register 50A that issued the electronic money. ..
Here, the information for specifying the POS register 50A is, for example, an IP address on the network 20.
　本実施の形態の場合も、ネットワーク２０上のＩＰアドレスに代えて、又は、一緒にＰＯＳレジ５０Ａに付与されている管理上の番号や設置場所等の情報が含まれてもよい。
　もっとも、管理上の番号や設置場所等の情報を用いる場合には、これらの情報をネットワーク上のＩＰアドレスに紐付けた情報を、オートレジ４０（図１９参照）や他のＰＯＳレジ５０Ａ（図１９参照）、又は、不図示のサーバーに記憶する仕組みを採用する。
　これらの仕組みを採用することにより、決済に使用する電子マネーが管理されているＰＯＳレジ５０Ａへのアクセスが可能になる。 Also in the case of this embodiment, information such as an administrative number and an installation location assigned to the POS register 50A in place of or together with the IP address on the network 20 may be included.
However, when using information such as management numbers and installation locations, the information associated with these information to the IP address on the network is used in the auto register 40 (see FIG. 19) and other POS registers 50A (FIG. 19). (See) or adopt a mechanism to store in a server (not shown).
By adopting these mechanisms, it becomes possible to access the POS cash register 50A in which the electronic money used for payment is managed.
＜処理動作＞
　以下では、図２１～図２４を使用して実施の形態２で使用する電子マネー管理システム１Ｂ（図１９参照）における処理動作を説明する。
＜新規チャージ時の処理動作＞
　図２１は、実施の形態３における新規チャージの処理動作の一例を説明する図である。図２１には、図１５との対応部分に対応する符号を付して示している。
　図２１では、２台のＰＯＳレジ５０Ａのうち「ＰＯＳレジ＃１」で電子マネーをチャージする場合を想定する。 <Processing operation>
Hereinafter, the processing operation in the electronic money management system 1B (see FIG. 19) used in the second embodiment will be described with reference to FIGS. 21 to 24.
<Processing operation at the time of new charge>
FIG. 21 is a diagram illustrating an example of a new charge processing operation according to the third embodiment. 21 is shown with a reference numeral corresponding to the portion corresponding to FIG.
In FIG. 21, it is assumed that electronic commerce is charged by "POS cash register # 1" out of two POS cash registers 50A.
　ここでは、「ＰＯＳレジ＃１」が入金処理を開始する（ステップ１）。入金処理は、操作画面上でチャージが選択されることで開始される。ここでは、新規チャージが選択される。
　「ＰＯＳレジ＃１」は、ユーザの指定したチャージ額、もしくはそれを上回る紙幣の投入を検知すると、管理ＩＤを付与する（ステップ３）。なお、「ＰＯＳレジ＃１」は、ユーザの指定したチャージ額を上回る紙幣が投入された場合には、チャージ額との差額をお釣りとして払い出す。 Here, "POS cash register # 1" starts the deposit process (step 1). The deposit process is started when a charge is selected on the operation screen. Here, a new charge is selected.
The "POS cash register # 1" assigns a management ID when it detects the insertion of a bill that is equal to or greater than the charge amount specified by the user (step 3). In addition, when a bill exceeding the charge amount specified by the user is inserted, the "POS cash register # 1" pays out the difference from the charge amount as change.
　ここでの管理ＩＤは、電子マネーのチャージを受け付ける「ＰＯＳレジ＃１」内で一意の情報である。ＱＲコード６１（図３参照）には、自機を特定する情報も含まれるためである。もっとも、管理ＩＤとして、グローバルに一意となるようにＩＤを付してもよい。
　次に、「ＰＯＳレジ＃１」は、管理ＩＤに対し、入金額を紐付けて記録する（ステップ４）。すなわち、電子マネー管理データ５７Ａ（図２０参照）による管理が開始される。 The management ID here is unique information in the "POS cash register # 1" that accepts the charge of electronic money. This is because the QR code 61 (see FIG. 3) also includes information for identifying the own machine. However, as the management ID, an ID may be attached so as to be globally unique.
Next, the "POS cash register # 1" records the deposit amount in association with the management ID (step 4). That is, the management by the electronic money management data 57A (see FIG. 20) is started.
　この後、「ＰＯＳレジ＃１」は、管理ＩＤを用いてＱＲコード６１（図３参照）を生成し、レシート６０（図３参照）に印字する（ステップ６）。前述したように、ＱＲコード６１には、チャージ機１０Ａを特定する情報も含まれる。もっとも、管理ＩＤによって「ＰＯＳレジ＃１」の特定が可能な場合には、「ＰＯＳレジ＃１」を特定する情報を管理ＩＤとは別に用いる必要はない。 After that, the "POS register # 1" generates a QR code 61 (see FIG. 3) using the management ID and prints it on the receipt 60 (see FIG. 3) (step 6). As described above, the QR code 61 also includes information for identifying the charging machine 10A. However, when the "POS register # 1" can be specified by the management ID, it is not necessary to use the information for specifying the "POS register # 1" separately from the management ID.
＜追加チャージ時の処理動作＞
　図２２は、実施の形態３における追加チャージの処理動作の一例を説明する図である。図２２には、図１６との対応部分に対応する符号を付して示している。
　ここでも、「ＰＯＳレジ＃１」が入金処理を開始する（ステップ１）。入金処理は、操作画面上でチャージが選択されることで開始される。ここでは、追加チャージが選択される。
　このため、「ＰＯＳレジ＃１」は、レシート６０（図３参照）に印字されたＱＲコード６１（図３参照）の読み取りを実行する（ステップ１１）。 <Processing operation at the time of additional charge>
FIG. 22 is a diagram illustrating an example of an additional charge processing operation according to the third embodiment. FIG. 22 is shown with reference numerals corresponding to the portions corresponding to those in FIG.
Here, too, the "POS cash register # 1" starts the deposit process (step 1). The deposit process is started when a charge is selected on the operation screen. Here, an additional charge is selected.
Therefore, the "POS register # 1" reads the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 11).
　次に、「ＰＯＳレジ＃１」は、ＱＲコード６１の画像をデコードして管理ＩＤを取得する（ステップ１２）。
　取得された管理ＩＤが自機で管理され、かつ、ユーザの指定したチャージ額、もしくはそれを上回る紙幣の投入が検知された場合、「ＰＯＳレジ＃１」は、管理ＩＤの残高を更新する（ステップ１４）。具体的には、取得した管理ＩＤに紐付けられている最新の残高に入金額を加算した金額が、電子マネー管理データ５７Ａ（図２０参照）に記録される。
　この後、「ＰＯＳレジ＃１」は、管理ＩＤを用いてＱＲコード６１を生成し、レシート６０に印字する（ステップ６）。 Next, the "POS register # 1" decodes the image of the QR code 61 and acquires the management ID (step 12).
When the acquired management ID is managed by the own machine and the insertion of bills specified by the user or exceeding the charge amount is detected, "POS cash register # 1" updates the balance of the management ID (. Step 14). Specifically, the amount obtained by adding the deposit amount to the latest balance associated with the acquired management ID is recorded in the electronic money management data 57A (see FIG. 20).
After that, the "POS register # 1" generates a QR code 61 using the management ID and prints it on the receipt 60 (step 6).
＜決済時の処理動作＞
　図２３は、実施の形態３における決済時の処理動作の一例を説明する図である。図２３には、図１７との対応部分に対応する符号を付して示している。
　図２３の場合、決済は、オートレジ４０又は「ＰＯＳレジ＃２」において開始される。以下では、「オートレジ４０等」という。
　まず、オートレジ４０等が、決済の対象である商品等を登録する（ステップ２１）。商品等の登録は自動で実行される場合もあれば、レジスタッフやユーザ自身が行う場合もある。 <Processing operation at the time of payment>
FIG. 23 is a diagram illustrating an example of a processing operation at the time of settlement in the third embodiment. In FIG. 23, reference numerals corresponding to the portions corresponding to those in FIG. 17 are added.
In the case of FIG. 23, the settlement is started at the auto cash register 40 or the “POS cash register # 2”. Hereinafter, it is referred to as "auto cash register 40 etc."
First, the auto cash register 40 or the like registers the product or the like to be settled (step 21). Registration of products, etc. may be performed automatically, or it may be performed by the cashier staff or the user himself.
　商品等の登録が終了すると、オートレジ４０等は、決済額を算出する（ステップ２２）。この後、決済の方法が選択される。図２３では、レシート６０（図３参照）に印字されたＱＲコード６１（図３参照）による決済が選択されている。
　このため、オートレジ４０等は、レシート６０に印字されたＱＲコード６１の読み取りを実行する（ステップ２３）。
　次に、オートレジ４０等は、ＱＲコード６１の画像をデコードして管理ＩＤと「ＰＯＳレジ＃１」のアドレスを取得する（ステップ２４Ｂ）。ここでの「ＰＯＳレジ＃１」は、チャージ機としての位置づけである。
　管理ＩＤとアドレスが取得されると、オートレジ４０等は、取得されたアドレスを宛先として、管理ＩＤと決済額を送信する（ステップ２５）。 When the registration of the product or the like is completed, the auto cash register 40 or the like calculates the settlement amount (step 22). After this, the payment method is selected. In FIG. 23, payment by the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) is selected.
Therefore, the auto cash register 40 and the like read the QR code 61 printed on the receipt 60 (step 23).
Next, the auto cash register 40 or the like decodes the image of the QR code 61 and acquires the management ID and the address of the “POS cash register # 1” (step 24B). Here, "POS cash register # 1" is positioned as a charging machine.
When the management ID and the address are acquired, the auto cash register 40 or the like transmits the management ID and the payment amount to the acquired address as the destination (step 25).
　一方、宛先である「ＰＯＳレジ＃１」は、管理ＩＤと決済額を受信する（ステップ２６）。
　管理ＩＤと決済額を受信した「ＰＯＳレジ＃１」は、管理ＩＤに紐付けられている最新の残高が決済額以上か否かを判定する（ステップ２７）。
　ステップ２７で否定結果が得られた場合、「ＰＯＳレジ＃１」は、決済できない旨をオートレジ４０等に通知する。この通知を受けたオートレジ４０等は、未決済で終了する（ステップ２８）。 On the other hand, the destination "POS cash register # 1" receives the management ID and the payment amount (step 26).
The "POS cash register # 1" that has received the management ID and the settlement amount determines whether or not the latest balance associated with the management ID is equal to or greater than the settlement amount (step 27).
If a negative result is obtained in step 27, the "POS cash register # 1" notifies the auto cash register 40 and the like that payment cannot be made. The auto cash register 40 or the like that has received this notification ends without settlement (step 28).
　一方、ステップ２７で肯定結果が得られた場合、「ＰＯＳレジ＃１」は、残高から決済額を引去る（ステップ２９）。
　次に、「ＰＯＳレジ＃１」は、管理ＩＤに紐付けられる残高を更新する（ステップ３０）。具体的には、管理ＩＤに紐付けられる残高が、直前の残高から決済額を引去った金額に更新される。
　この後、「ＰＯＳレジ＃１」は、決済額の送信元であるオートレジ４０等に対し、管理ＩＤと決済の完了を通知する（ステップ３１）。
　これにより、通知を受けたオートレジ４０等は、決済を終了する（ステップ３２）。 On the other hand, if an affirmative result is obtained in step 27, "POS cash register # 1" deducts the settlement amount from the balance (step 29).
Next, "POS cash register # 1" updates the balance associated with the management ID (step 30). Specifically, the balance associated with the management ID is updated to the amount obtained by subtracting the settlement amount from the immediately preceding balance.
After that, the "POS cash register # 1" notifies the auto cash register 40 or the like, which is the sender of the payment amount, of the management ID and the completion of the payment (step 31).
As a result, the auto cash register 40 or the like that has received the notification ends the settlement (step 32).
＜払い戻し時の処理動作＞
　図２４は、実施の形態３における払い戻し時の処理動作の一例を説明する図である。図２４には、図１８との対応部分に対応する符号を付して示している。
　図２４の場合も、払い戻しは、「ＰＯＳレジ＃１」において開始される。もっとも、オートレジ４０等で残高の払い戻しが可能でもよい。
　まず、「ＰＯＳレジ＃１」が、払い戻し処理を受け付ける（ステップ４１）。払い戻し処理は、操作画面上で払い戻しが選択されることで開始される。図２４の場合、全額の払い戻しを想定するが、残高の一部の払い戻しを可能としてもよい。 <Processing operation at the time of refund>
FIG. 24 is a diagram illustrating an example of a processing operation at the time of refund in the third embodiment. In FIG. 24, reference numerals corresponding to the portions corresponding to those in FIG. 18 are added.
Also in the case of FIG. 24, the refund starts at "POS cash register # 1". However, the balance may be refunded at the auto cash register 40 or the like.
First, "POS cash register # 1" accepts the refund process (step 41). The refund process is started when the refund is selected on the operation screen. In the case of FIG. 24, a full refund is assumed, but a partial refund of the balance may be possible.
　次に、「ＰＯＳレジ＃１」は、レシート６０（図３参照）に印字されたＱＲコード６１（図３参照）の読み取りを実行する（ステップ４２）。
　続いて、「ＰＯＳレジ＃１」は、ＱＲコード６１の画像をデコードして管理ＩＤを取得する（ステップ４３）。
　取得した管理ＩＤが自機で管理されている場合、「ＰＯＳレジ＃１」は、管理ＩＤに紐付けられている残高を確認する（ステップ４５Ａ）。なお、取得した管理ＩＤが「ＰＯＳレジ＃２」で管理されている場合、「ＰＯＳレジ＃１」は、管理ＩＤと共に読み出したアドレスを用いて「ＰＯＳレジ＃２」と通信し、残高を確認する。 Next, the "POS register # 1" reads the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3) (step 42).
Subsequently, the "POS register # 1" decodes the image of the QR code 61 and acquires the management ID (step 43).
When the acquired management ID is managed by the own machine, "POS cash register # 1" confirms the balance associated with the management ID (step 45A). When the acquired management ID is managed by "POS cash register # 2", "POS cash register # 1" communicates with "POS cash register # 2" using the address read together with the management ID to check the balance. do.
　次に、「ＰＯＳレジ＃１」は、紙幣処理部５２（図２０参照）に対し、残高分の紙幣の払い戻しを指示する。その後、「ＰＯＳレジ＃１」は、払い戻しが成功したか否かを判定する（ステップ４６）。
　ステップ４６で否定結果が得られた場合、「ＰＯＳレジ＃１」は、残高を更新せず、直前値を維持する（ステップ４７）。
　一方、ステップ４６で肯定結果が得られた場合、「ＰＯＳレジ＃１」は、残高を更新する（ステップ４９）。具体的には、残高０（ゼロ）に更新する。又は、管理ＩＤ等を消去する。なお、管理ＩＤが「ＰＯＳレジ＃２」で管理されている場合、「ＰＯＳレジ＃１」は、「ＰＯＳレジ＃２」に対して残高の更新を指示する。 Next, the "POS cash register # 1" instructs the banknote processing unit 52 (see FIG. 20) to refund the banknotes for the balance. After that, "POS cash register # 1" determines whether or not the refund was successful (step 46).
If a negative result is obtained in step 46, the "POS register # 1" does not update the balance and maintains the immediately preceding value (step 47).
On the other hand, if an affirmative result is obtained in step 46, "POS cash register # 1" updates the balance (step 49). Specifically, the balance is updated to 0 (zero). Alternatively, the management ID or the like is deleted. When the management ID is managed by "POS cash register # 2", "POS cash register # 1" instructs "POS cash register # 2" to update the balance.
＜他の構成＞
　本実施の形態では、ＰＯＳレジ５０Ａに、チャージ機能と電子マネーの管理機能を設けているが、オートレジ４０にも、チャージ機能と電子マネーの管理機能を設けてもよい。ただし、オートレジ４０にも、レシートプリンタとＱＲコードリーダが設けられている、又は、外部接続されていることが条件である。 <Other configurations>
In the present embodiment, the POS cash register 50A is provided with a charge function and an electronic money management function, but the auto cash register 40 may also be provided with a charge function and an electronic money management function. However, it is a condition that the receipt printer and the QR code reader are also provided in the auto register 40 or are externally connected.
＜他の実施の形態＞
（１）以上、本発明の実施の形態について説明したが、本発明の技術的範囲は前述した実施の形態に記載の範囲に限定されない。前述した実施の形態に、種々の変更又は改良を加えたものも、本発明の技術的範囲に含まれることは、特許請求の範囲の記載から明らかである。 <Other embodiments>
(1) Although the embodiments of the present invention have been described above, the technical scope of the present invention is not limited to the scope described in the above-described embodiments. It is clear from the description of the claims that the above-mentioned embodiments with various modifications or improvements are also included in the technical scope of the present invention.
（２）例えば前述の実施の形態で説明したチャージ機１０（図１参照）等には、ＩＣカードや電子マネー決済に対応するスマートフォンに対し、電子マネーの情報を書き込むためのカードリーダライターが配置されていてもよい。
　カードリーダライターによるＩＣカード等へのデータの読み書きには、例えばＮＦＣ（＝Near Field Communication）が用いられる。ＩＣカード等がカードリーダライターに置かれるか近づけられると、カードリーダライターは、ＩＣカード等と通信可能になり、ＩＣカード等との間で情報の書き込み又は読み出しを実行する。 (2) For example, in the charging machine 10 (see FIG. 1) described in the above-described embodiment, a card reader / writer for writing electronic money information is arranged on an IC card or a smartphone compatible with electronic money payment. It may have been done.
For example, NFC (= Near Field Communication) is used for reading and writing data to and from an IC card by a card reader / writer. When the IC card or the like is placed on or brought close to the card reader / writer, the card reader / writer becomes able to communicate with the IC card or the like, and writes or reads information from the IC card or the like.
（３）前述の実施の形態では、レシート６０（図３参照）にＱＲコード６１（図３参照）が印字されているが、バーコードその他のコード情報でもよいし、電子マネーに紐付けられた文字列や数字列でもよいし、電子マネーをチャージしたユーザの顔画像でもよい。これらの情報は、入金額と紐付けられた識別情報の一例である。
　なお、バーコードは、管理ＩＤ等をエンコードしたパターンである。また、文字列や数字列は、例えば所定の桁数で与えてもよい。ＱＲコード６１の代わりに文字列や数字列がレシート６０に印字される場合、これらの画像をＯＣＲ（＝Optical Character Recognition）処理することで管理ＩＤを取得する。 (3) In the above-described embodiment, the QR code 61 (see FIG. 3) is printed on the receipt 60 (see FIG. 3), but a barcode or other code information may be used, and the QR code 61 (see FIG. 3) may be linked to electronic money. It may be a character string or a number string, or it may be a face image of a user charged with electronic money. These pieces of information are examples of identification information associated with the deposit amount.
The barcode is a pattern in which a management ID or the like is encoded. Further, the character string or the number string may be given, for example, with a predetermined number of digits. When a character string or a number string is printed on the receipt 60 instead of the QR code 61, the management ID is acquired by performing OCR (= Optical Character Recognition) processing on these images.
　電子マネーをチャージしたユーザの顔画像がチャージ機１０（図１参照）等を通じて電子マネー管理サーバー３０（図１参照）に登録される場合には、レシート６０（図３参照）に印字しない運用も可能である。例えば顔画像が電子マネー管理サーバー３０に登録されている場合には、決済時にユーザの顔画像を撮像して照合し、一致が確認された場合には電子マネーによる決済や返金を可能としてもよい。 When the face image of the user charged with electronic money is registered in the electronic money management server 30 (see FIG. 1) through the charging machine 10 (see FIG. 1), the operation may not be printed on the receipt 60 (see FIG. 3). It is possible. For example, when the face image is registered in the electronic money management server 30, the user's face image may be imaged and collated at the time of payment, and if a match is confirmed, payment or refund using electronic money may be possible. ..
（４）前述の実施の形態の場合、レシートプリンタ１３（図２参照）とＱＲコードリーダ（図２参照）は、チャージ機１０（図２参照）と一体であるが、チャージ機１０に対して外付けされていてもよい。ここでの外付けには、無線通信により接続される場合が含まれる。オートレジ４０とＰＯＳレジ５０についても同様である。 (4) In the case of the above-described embodiment, the receipt printer 13 (see FIG. 2) and the QR code reader (see FIG. 2) are integrated with the charging machine 10 (see FIG. 2), but with respect to the charging machine 10. It may be externally attached. The external attachment here includes the case of being connected by wireless communication. The same applies to the auto cash register 40 and the POS cash register 50.
（５）前述の実施の形態では、オートレジ４０にレシートプリンタ４５（図７参照）が設けられているが、レシートプリンタ４５は設けられていなくてもよい。
（６）電子マネー管理データ３４Ａ（図６参照）には、ユーザを特定する情報を含めてもよい。
　図２５は、ユーザを特定する情報を含む電子マネー管理データ３４Ａを用いたチャージの記録例を説明する図である。（Ａ）は新規チャージの例であり、（Ｂ）は追加チャージの例である。なお、図２５においては、ユーザを特定する情報として社員ＩＤを使用している。なお、ユーザを特定する情報は、社員ＩＤ以外のユーザＩＤやメールアドレスでもよい。 (5) In the above-described embodiment, the receipt printer 45 (see FIG. 7) is provided in the auto register 40, but the receipt printer 45 may not be provided.
(6) The electronic money management data 34A (see FIG. 6) may include information that identifies the user.
FIG. 25 is a diagram illustrating an example of recording a charge using electronic money management data 34A including information for identifying a user. (A) is an example of a new charge, and (B) is an example of an additional charge. In FIG. 25, the employee ID is used as the information for identifying the user. The information that identifies the user may be a user ID or e-mail address other than the employee ID.
　図２５（Ａ）に示す例は、同じユーザが新規チャージを行う場合における電子マネー管理データ３４Ａの記録例を表している。管理ＩＤの「Ｃ０００１」に紐付けられた電子マネーと「Ｃ０００２」に紐付けられた電子マネーは社員ＩＤが同じであるが、別々に管理されている。図２５（Ａ）の場合、新規チャージは、備考の欄に「チャージ」とのみ記載されている。 The example shown in FIG. 25A shows a recording example of the electronic money management data 34A when the same user makes a new charge. The electronic money associated with the management ID "C0001" and the electronic money associated with "C0002" have the same employee ID, but are managed separately. In the case of FIG. 25 (A), the new charge is described only as "charge" in the remarks column.
　図２５（Ｂ）に示す例は、ユーザがレシート６０（図３参照）に印字されたＱＲコード６１（図３参照）を使用して追加チャージした場合の電子マネー管理データ３４Ａの記録例を表している。図２５（Ｂ）の場合、新たな管理ＩＤは発行されず、残高が３４６０円から８４６０円に変更されている。また、備考の欄には「追加チャージ」と記載されている。 The example shown in FIG. 25B shows a recording example of the electronic money management data 34A when the user additionally charges using the QR code 61 (see FIG. 3) printed on the receipt 60 (see FIG. 3). ing. In the case of FIG. 25B, no new management ID is issued and the balance is changed from 3460 yen to 8460 yen. In addition, "additional charge" is described in the remarks column.
　なお、社員ＩＤは、電子マネーのチャージ時に入力する。例えばＮＦＣ通信により社員証に記録されている社員ＩＤをチャージ機１０（図１参照）等に与えてもよいし、チャージ機１０等の操作画面上で社員の情報を入力してもよい。
　電子マネーの管理ＩＤとユーザを特定する情報とを紐付けることで、電子マネーに紐付けられたＱＲコード６１が印字されたレシート６０が紛失された場合でも、社員ＩＤを通じて別の管理ＩＤへの統合が可能になる。すなわち、預り金である残高の移行が可能になる。 The employee ID is entered when charging electronic money. For example, the employee ID recorded in the employee ID card may be given to the charging machine 10 (see FIG. 1) by NFC communication, or the employee information may be input on the operation screen of the charging machine 10 or the like.
By associating the management ID of the electronic money with the information that identifies the user, even if the receipt 60 on which the QR code 61 associated with the electronic money is printed is lost, it can be transferred to another management ID through the employee ID. Integration is possible. That is, the balance of deposits can be transferred.
　また、決済時においても、電子マネーに紐付けられたＱＲコード６１が印字されたレシート６０が手元になくても、社員ＩＤ等を用いて決済を実行することが可能になる。
　また、社員ＩＤが紐付けられている電子マネーと社員ＩＤが紐付けられていない電子マネーとで扱いに違いを設けることも可能になる。例えば社員ＩＤが紐付けられている電子マネーの有効期限を、社員ＩＤが紐付けられていない電子マネーの有効期限より長くしてもよい。また例えば社員ＩＤが紐付けられている電子マネーに限り、有効期限の延長を認めてもよい。 Further, even at the time of payment, even if the receipt 60 on which the QR code 61 associated with the electronic money is printed is not at hand, the payment can be executed using the employee ID or the like.
Further, it is possible to make a difference in handling between the electronic money to which the employee ID is associated and the electronic money to which the employee ID is not associated. For example, the expiration date of the electronic money associated with the employee ID may be longer than the expiration date of the electronic money associated with the employee ID. Further, for example, the extension of the expiration date may be permitted only for the electronic money associated with the employee ID.
（７）前述の実施の形態においては、追加チャージの際にレシートに印字されたＱＲコードを読み取った後に追加チャージ額の入金を受け付けているが、追加チャージ額の入金後に、追加チャージ先を特定ＱＲコードの読み取りを実行してもよい。 (7) In the above-described embodiment, the payment of the additional charge amount is accepted after reading the QR code printed on the receipt at the time of the additional charge, but the additional charge destination is specified after the payment of the additional charge amount. You may execute the reading of the QR code.
１、１Ａ、１Ｂ…電子マネー管理システム、１０、１０Ａ…チャージ機、２０…ネットワーク、３０…電子マネー管理サーバー、４０…オートレジ、５０、５０Ａ…ＰＯＳレジ 1, 1A, 1B ... Electronic money management system, 10, 10A ... Charging machine, 20 ... Network, 30 ... Electronic money management server, 40 ... Auto cash register, 50, 50A ... POS cash register

Claims (9)

  1. 　少なくとも貨幣の入金機構を有する第１の端末と、
    　前記第１の端末と通信可能に接続された第２の端末と、
    　前記第１の端末に入金された入金額と紐付けられた識別情報を出力可能な出力部と、
    　を有する決済システムであって、
    　前記第２の端末には、前記出力部で出力された前記識別情報を読み取る読取部が設けられ、
    　前記第２の端末は、読み取られた前記識別情報に紐付けられている金額以内の決済が可能である、
    　決済システム。     At least a first terminal with a money deposit mechanism,
    A second terminal that is communicably connected to the first terminal,
    An output unit capable of outputting identification information associated with the deposit amount deposited in the first terminal, and an output unit.
    It is a payment system that has
    The second terminal is provided with a reading unit for reading the identification information output by the output unit.
    The second terminal can make a payment within the amount associated with the read identification information.
    Payment system.
  2. 　前記出力部は、前記識別情報を印刷する印刷手段である、請求項１に記載の決済システム。 The payment system according to claim 1, wherein the output unit is a printing means for printing the identification information.
  3. 　前記印刷手段は、前記第１の端末に設けられている、請求項２に記載の決済システム。 The payment system according to claim 2, wherein the printing means is provided in the first terminal.
  4. 　前記入金額と、当該入金額に紐付けられた前記識別情報とを記憶する記憶部を更に有し、
    　前記識別情報に紐付けられている残高よりも少ない金額による決済が前記第２の端末で実行された場合、当該第２の端末は、前記記憶部に記憶されている当該残高を、決済された金額を差し引いた金額に更新する、請求項１～３のいずれか１項に記載の決済システム。     Further having a storage unit for storing the deposit amount and the identification information associated with the deposit amount.
    When a payment with an amount smaller than the balance associated with the identification information is executed on the second terminal, the second terminal has settled the balance stored in the storage unit. The payment system according to any one of claims 1 to 3, which is updated to the amount obtained by subtracting the amount.
  5. 　前記記憶部は、前記第１の端末に設けられている、請求項４に記載の決済システム。 The payment system according to claim 4, wherein the storage unit is provided in the first terminal.
  6. 　前記第１の端末と前記第２の端末に通信可能に接続されたサーバーを更に有し、
    　前記記憶部は、前記サーバーに設けられている、請求項４に記載の決済システム。     Further having a server communicably connected to the first terminal and the second terminal.
    The payment system according to claim 4, wherein the storage unit is provided in the server.
  7. 　前記第１の端末は、前記識別情報を読み取る第２の読取部を更に有し、
    　前記第１の端末は、前記入金機構に対する貨幣の入金が確認された場合、前記第２の読取部で読み取られた前記識別情報と同一の識別情報に紐付けられている残高に入金された金額を加算する、請求項１～６のいずれか１項に記載の決済システム。     The first terminal further has a second reading unit that reads the identification information.
    When the deposit of money to the deposit mechanism is confirmed, the first terminal deposits the amount into the balance associated with the same identification information as the identification information read by the second reading unit. The payment system according to any one of claims 1 to 6, wherein the payment system is added.
  8. 　前記第１の端末は、貨幣を収納する収納部と、当該収納部に収納された貨幣を出金する出金部と、前記識別情報を読み取る第２の読取部とを更に有し、
    　前記第１の端末は、前記第２の読取部で前記識別情報が読み取られた場合、当該識別情報に紐付けられている残高の一部又は全部を前記出金部からの出金を可能とする、請求項１～６のいずれか１項に記載の決済システム。     The first terminal further has a storage unit for storing money, a withdrawal unit for withdrawing money stored in the storage unit, and a second reading unit for reading the identification information.
    When the identification information is read by the second reading unit, the first terminal can withdraw a part or all of the balance associated with the identification information from the withdrawal unit. The payment system according to any one of claims 1 to 6.
  9. 　第１の端末が、貨幣の入金を受け付けるステップと、
    　前記第１の端末が、当該第１の端末に入金された金額に紐付けられた識別情報を生成するステップと、
    　前記第１の端末と通信可能に接続された第２の端末で決済情報を取得するステップと、
    　出力部が出力した前記識別情報を、前記第２の端末に設けた読取部で読み取るステップと、
    　前記第２の端末が、前記読取部で読み取られた前記識別情報に紐付けられている金額以内で決済を行うステップと
    　を有する決済方法。     The step that the first terminal accepts the deposit of money,
    A step in which the first terminal generates identification information associated with the amount of money deposited in the first terminal.
    The step of acquiring payment information at the second terminal communicably connected to the first terminal, and
    A step of reading the identification information output by the output unit by a reading unit provided in the second terminal, and
    A payment method in which the second terminal has a step of making a payment within an amount associated with the identification information read by the reading unit.
PCT/JP2021/038020 2020-11-09 2021-10-14 Payment system and payment method WO2022097441A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2020-186738 2020-11-09
JP2020186738A JP2022076364A (en) 2020-11-09 2020-11-09 Settlement system and settlement method

Publications (1)

Publication Number Publication Date
WO2022097441A1 true WO2022097441A1 (en) 2022-05-12

Family

ID=81457076

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2021/038020 WO2022097441A1 (en) 2020-11-09 2021-10-14 Payment system and payment method

Country Status (2)

Country Link
JP (1) JP2022076364A (en)
WO (1) WO2022097441A1 (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2007241480A (en) * 2006-03-06 2007-09-20 Sanden Corp Electronic money deposit machine
JP2019028850A (en) * 2017-08-01 2019-02-21 日本シーディーアール株式会社 Settlement system
JP2020027431A (en) * 2018-08-10 2020-02-20 クイーンビーキャピタル株式会社 Money exchange server and money exchange system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2007241480A (en) * 2006-03-06 2007-09-20 Sanden Corp Electronic money deposit machine
JP2019028850A (en) * 2017-08-01 2019-02-21 日本シーディーアール株式会社 Settlement system
JP2020027431A (en) * 2018-08-10 2020-02-20 クイーンビーキャピタル株式会社 Money exchange server and money exchange system

Also Published As

Publication number Publication date
JP2022076364A (en) 2022-05-19

Similar Documents

Publication Publication Date Title
US6634549B1 (en) IC card automated transaction terminal and IC used therein
JP2011248659A (en) Checkout system, item entry device and payment processing device
AU2008233513A1 (en) Tax repayment method for foreigner
US20110004528A1 (en) Refund system and method
IL158694A (en) Prepaid debit card processing
JP5830227B2 (en) Proxy storage system and proxy storage method
MX2008011465A (en) Electronic payment instrument system and method.
JP2000099603A (en) Method for confirming transaction information by ic card and its system
US20130006850A1 (en) Fast Cash Transactions (FCT)
WO1999046716A1 (en) Electronic check system, financial information managing system, and electronic check managing device
JP5403778B2 (en) Payment system
WO2022097441A1 (en) Payment system and payment method
JP2018005798A (en) Adjustment system
JP2005038086A (en) Point management method, ic card and ic card terminal
US8074872B2 (en) Payment terminal, and associated method and program
JP2004145877A (en) Information processing system, information processing method, information processing program and storage medium
US20200294019A1 (en) Settlement device and control method thereof
JP2021165953A (en) Ticket vending machine, transaction management system, and program
JP2021165955A (en) Money exchanger, transaction management system, and program
JP5958672B2 (en) Product registration device, payment device and program
JP7287861B2 (en) Payment management system and payment management method
JP7242916B2 (en) Checkout system, payment device and its control program
JP6476332B2 (en) Checkout system, settlement apparatus and control program thereof
JP6451816B2 (en) Payment apparatus, checkout system, program, payment method and checkout method
JP2016194940A (en) Settlement device, checkout system, and program

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 21888994

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 21888994

Country of ref document: EP

Kind code of ref document: A1