JP2001155257A - Price settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To speedily and fairly carry out price settlement to be Dutch-acconted on a desired condition. SOLUTION: When Dutch account is inserted at the time of carrying out the price settlement electronic money stored in a customer card 5 taken into a settling terminal device 2, the price settlements for portions of the Dutch account are successively transacted with the plural customer cards 5. When, batch payment is instructed, the settlement is transacted with a single customer card 5 and the transaction history information is stored in the customer card 5, and electronic monies for Dutch account can successively be moved between the plural customer cards 5 later. When the Dutch account is instructed, the total amount of the price is calculated by the number of the Dutch account customers and/or and the ratio of the Dutch account. When an odd amount occurs, the portions of the odd amount are allocated as fractions.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to depositing a currency into a financial institution and converting a monetary value corresponding to the currency into an electronic currency.
The present invention relates to a payment system in which digital data is stored in a C (integrated circuit) card and various payment transactions are performed using the IC card.

[0002]

2. Description of the Related Art In some cases, such as when eating in a group at a restaurant or the like, the account is paid evenly among the members, and at this time, the amount paid by the member is calculated in consideration of the number of people and food and drink. . In some cases, the representative paid the restaurant at once and settled at a later date. In particular, the payment at the restaurant at the time of payment was troublesome, for example, a round-trip payment was made and no extra money was collected.

[0003] Japanese Patent Application Laid-Open No. 09-097240 discloses that the difference between the collected amounts is not to exceed a certain value or is rounded up so as not to include a fraction. Japanese Patent Application Laid-Open No. H11-025360 discloses a system in which a condition to be adjusted when a situation arises is entered to determine a payment amount, and a system in which a fraction is added to only one of a plurality of persons. Also, Japanese Patent Application Laid-Open
Japanese Patent Application Laid-Open No. 1-016032 discloses an electronic money settlement processing apparatus which has begun to be used in some regions and is divided between a plurality of electronic money (money) cards and deposited.

[0004]

When a user performs a business transaction with an electronic money (money) card, most of the payment transactions are payments for purchasing goods at a retail store or payment for providing services. In particular, installments by multiple people,
For example, even in the case of paying a split bill, electronic money does not have the trouble of holding a small amount of money. However, there are many cases where the minimum unit (1 yen in the current currency) or less cannot be divided. For example, when a product of 100 yen in total is split and paid by three people, it is 33 yen x 3 people = 99 yen and the deficit is 1 yen, and after deciding who will bear the 1 yen, the amount of the split payment is calculated by electronic money. Will pay. Therefore, depending on the amount of the money shortage, the discussion between the users is troublesome, and the processing (operation input and calculation) for the money shortage is troublesome.

[0005] An object of the present invention is to evenly calculate a payment (split bill) amount according to a predetermined condition without adding to a specific person even if a fractional amount occurs at the time of split bill payment, and settle the settlement amount with electronic money. An object of the present invention is to provide a payment settlement system that can be used.

[0006]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention is to store digital data having the same value as currency in a storage medium as electronic money, and to pay for purchase of goods, food and drink, and services. In a payment system in which payment is made by electronic money, when a payment terminal is instructed by a payment terminal when a payment transaction using an electronic money is performed using a payment terminal that accepts payment, a plurality of storage media may be used. Is used to make a payment transaction for the split payment. Further, when a lump-sum payment is instructed, the transaction settlement is performed with a single storage medium, the transaction history information is stored in the storage medium, and the electronic money for the split payment is sequentially transferred between the plurality of storage media. it can. When the split payment is instructed and the total payment amount is calculated based on the number of split charges and / or the split ratio, if a fractional amount is generated, the fractional amount is allocated as a fractional amount.

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a system diagram of a payment system of the present invention, FIG. 2 is a control block diagram of the payment system of the present invention, and FIG. 3 is an IC card used for a payment terminal of the present invention. It is a control block diagram. Reference numeral 1 denotes a retail store vending machine, which is operated by a retail store owner, a restaurant owner, or the like, and is wirelessly connected to a portable user operation terminal (hereinafter referred to as a payment terminal) 2 operated by the user. . Reference numeral 3 denotes a server capable of controlling the retail vending machine 1 and a plurality of payment terminals 2. Reference numeral 4 denotes a retail store IC card (hereinafter referred to as a retail store card), and reference numeral 5 denotes a user IC card (hereinafter referred to as a customer card) as a storage medium.

A bar code scanner (not shown) 6, a magnetic stripe reader 7, a keyboard 8,
Connection of a mouse 9 or the like is also possible. Reference numeral 10 denotes an antenna for wireless communication between the retailer vending machine 1 and the settlement terminal 2, and is mounted on, for example, a ceiling in the store.

Reference numeral 11 denotes an IC card reader / writer unit (hereinafter referred to as a card R / W unit) having a function of reading and writing stored information from a retail store card 4 inserted and operated by a retail store owner (clerk). Reference numeral 12 denotes a liquid crystal touch panel display (hereinafter, referred to as an operation unit) for inputting necessary information such as input of a price of a product to be bought and sold. 13
Is a display unit for displaying to the user the information input from the operation unit 12 and the product price and the total purchase price read by the barcode scanner 6 (not shown). Reference numeral 14 denotes a receipt printer that prints out transaction information such as transaction date and time, product name, and amount.

Reference numeral 15 denotes a storage unit, which is a ROM 15a storing a control program for controlling the card R / W unit 11, the operation unit 12, and the display unit 13, and is capable of temporarily storing various processing information and read information. It is composed of a RAM 15b. The ROM 15a stores various types of application software corresponding to the electronic money to be handled.
An operation and display corresponding to each D (Identification) can be performed. Reference numeral 16 denotes a control unit that controls the details of the retail store vending machine 1, and 17 denotes a power supply unit that supplies power to the above-described units.

Reference numeral 21 denotes an I which has a function of reading and writing stored information from the customer card 5 inserted by the user.
When the customer card 5 is inserted in a C card reader / writer unit (hereinafter referred to as a card R / W unit) and physically comes into close contact, power is supplied to a coil (not shown) according to a predetermined procedure, and a customer card 5 side described later is used. This is to enable reading and writing of stored information by generating an electromotive force in the antenna coil to activate the IC and alternately communicating in a predetermined communication method.

Reference numeral 22 denotes a liquid crystal touch panel display (hereinafter referred to as an operation unit) for inputting information necessary for a user to input a payment method, confirm a total payment amount, and the like. It is also possible to display information such as the payment amount as a calculation result, for example, 20 digits / line ×
It is configured to display characters in six lines.

A storage unit 23 is a ROM storing a program for controlling the card R / W unit 21 and the operation unit 22.
23a and a RAM 23b for temporarily storing various processing information and read information. Various kinds of application software that can be handled are also stored in the ROM 23a, and operations and displays corresponding to predetermined IDs can be performed. Reference numeral 24 denotes a control unit for controlling the payment terminal 2, which controls the details of the payment terminal 2 including a control for transmitting transaction information from the transmission / reception unit 25 to the retail sales machine 1. Reference numeral 26 denotes a battery that supplies electric power to the above-described units.

The customer card will be described. FIG. 3 is a control block diagram of an IC card used in the present invention, and is also a conceptual diagram showing an IC chip and an antenna coil embedded in a card base material. The customer card 5 as a storage medium is a close-contact non-contact type IC card having a size conforming to a predetermined standard, a predetermined characteristic, and a communication protocol, and is inserted into the card R / W unit 21 described above. It is.

5a is an IC embedded in the card base material.
It is a (integrated circuit) chip, which is electrically connected to the antenna coil 5b. The IC chip 5a has a ROM 5c which stores processing programs for performing various transaction settlements and information transmission / reception and encryption software and encryption key information as a program area, and a RAM 5d which temporarily stores transaction contents as a work area. Further, an EEPROM 5e, which is a nonvolatile memory capable of electrically erasing and rewriting stored information, is provided as a customer information area. 5f is CPU
This is for performing the above-mentioned read / write control and calculation of each memory, as well as communication control with the settlement terminal 2.

Although the IC chip 5a and the antenna coil 5b are planar and enlarged in the drawing, this does not mean that they are formed at the positions shown in the figure. Further, the retail store card 4 has the same configuration and function, and the retail store card 4 can be used as a user for payment.

Next, referring to FIG. 4, the storage data will be described with reference to a conceptual diagram showing a part of the storage data when the customer card is used for electronic money transaction settlement. Reference numeral 50a denotes a program area, which is an application identifier (Application Identifier) for specifying the type of electronic payment.
(hereinafter, referred to as APID) and an issuing institution code for each issuing parent that issues or manages electronic money.

The account number is the same person information as the savings account number for each user managed by the issuing parent. The user name is the name of the user who registered the account without any explanation, and the password is composed of several digits of alphanumeric characters applied in the prescribed procedure at the time of opening the account, for example, when filling electronic money It is for identifying and confirming the person. The expiration date indicates the expiration date of the electronic payment, and is used for the IC chip 5a.
It is issued or set by the management source in terms of security such as renewal or encryption of the control program in the above, and the condition is that the expiration date has not expired at the time of transaction, but detailed description is omitted.

Reference numeral 50b denotes electronic money balance information having the same value as the currency.
The stored information is updated by 5f and is always stored as the latest electronic money balance information 50b. The history information 50c sequentially stores transaction history information when electronic settlement transactions are performed, including electronic money filling transactions (drawing). Among these stored data, at least the electronic money balance information 50b and the history information 50c are stored in the EEPROM 5e.
Is stored in

A description will be given of the flow of the price settlement in which the user pays for the food and drink at a restaurant or the like by splitting bills with electronic money according to the flow chart of the price settlement shown in FIG. The electronic money is equivalent to a real currency, and it is assumed that users can pay for each other at a member store, and the currency unit is "yen" for easy understanding of the explanation.

When the user declares that the user pays for the food and drink from a table or the like where the user eats and drinks, the retail shop owner lends the settlement terminal 2 to the user. At the time of lending, the payment amount is calculated by the server 3, and the payment information (total payment amount, the number of users, etc.) is transmitted to the payment terminal 2 via the retailer vending machine 1, displayed, displayed, and stored in the storage unit 23. Is stored.

The user operates the "split bill" or the "collective" payment key displayed on the operation unit 22 of the settlement terminal 2, and selects one of the payment methods (101). Here, when the "split bill" key is pressed, the total amount and the like are displayed as shown in FIG. 6A, and the number of payers who pay the split bill and the presence or absence of the rank (payment ratio) are designated by the rank designation key 22b.
To input an instruction (102). When the number of payers and the rank are input using the numeric keys 22a, the control unit 24 inputs a pay ratio or the like of each person according to a preset program, for example, a rank input area 22c as shown in FIG. Is displayed.

When the user looks at this display and enters a rank (payment ratio) using the numeric keys 22a, the user is guided to enter the number of people by rank. When the user inputs the number of persons using the numeric keys 22a and presses (touches) the confirmation key 22d as shown in FIG. 6C, the control unit 24 calculates the payment amount for each rank according to the calculation program, and displays the payment amount display area 22e. The display shown in FIG.
3). A display for obtaining the final confirmation of the user and a display for prompting insertion of the customer card 5 are displayed on the operation unit 22 (104).
If it is determined that the user has made an erroneous input, the user depresses the cancel key 22f to execute step 10 described above.
Return to 2 to enable re-input.

Here, a case will be described as an example where the total payment is 24,800 yen and the split payment is made by seven users. First, it is assumed that the payout ratio “5” is 1 (Mr. A), “3” is 4 (B, C, D, E), and “2” is 2 (F, G). When one of the users (for example, Mr. B) operates the payment terminal 2 and inputs the payment ratio and the number of people, the control unit 24 starts the calculation.

The control unit 24 multiplies the payment ratio by the number of people to obtain a total number of units (N) = 5 × 1 + 3 × 4 + 2 × 2 = 21,
The total of 24,800 yen is divided by 21 (N). As a result of the calculation, each person pays 1,180+ per unit
Because it is 20/21 yen, Mr. A has 5 servings, that is, (1,
180 + 20/21) × 5 = 5,904 yen + 16/21
It becomes a circle. Similarly, B, C, D and E each have 3,542
Yen +18/21 yen, F and G each 2,361 yen +1
It will be 9/21 yen.

In the display shown in FIG. 6A, when the non-ranked (equal payment) key 22b is pressed, the total amount is paid evenly by the number of payers. For example, in the case of equal payment by seven people, the payment amount of 3,542 + 6/7 yen per person is obtained by dividing 24,800 yen by seven people, and the display as shown in FIG. Encourage insertion of card 5.

When the user inserts the customer card 5 into the card R / W unit 21 (105), the control unit 24 sets the customer card 5
Of the stored data is read. First, card R /
The coil (not shown) on the W section 21 side is energized to generate an electromotive force on the antenna coil 5b on the customer card 5 side. This power generated in the antenna coil 5b activates the CPU 5f, and first reads a control program from the ROM 5c. The CPU 5f sends the read APID information and expiration date information to the control unit 24 by a predetermined communication method. The control unit 24 confirms from the APID information or the like whether or not the customer card 5 can be transacted, that is, whether the customer card 5 is an APID permitted in advance and has not expired.

The CPU 5f, which has received a signal indicating that processing is possible from the control unit 24, transmits the user name and the electronic money balance information 50b to the settlement terminal 2 based on the control program in the ROM 5c. The settlement terminal 2 stores the received electronic money balance information 50b in the storage unit 23. Figure 6
Payment amount display area 2 in the display as shown in (d)
2e is pressed and the confirmation key 22d is pressed (10
6), the control unit 24 compares the electronic money balance information 50b stored in the storage unit 23 with the payment amount (107).
In FIG. 6 (d), the circles 22g are displayed in a number corresponding to the number of persons for each payment rank, and each time the payment processing is completed, the number of the circles is changed or the display is changed one by one.

If the payment amount is within the electronic money balance, payment can be made. First, the electronic money balance information 50b is reduced by the payment amount from the customer card 5, and the receiving side temporarily stores the payment amount as electronic money balance information in the storage unit 23 (108). When updating the balance of the customer card 5, that is, rewriting the EEPROM 5e, the CP
Processing is performed according to an instruction from U5f, and additionally, payment history information is stored as history information 50c. Then, the CPU 5f reads the EEPROM 5e, and the money transfer is confirmed by comparing the payment amounts.

The control unit 24 receives the information at the start of the processing and compares it with the total transaction amount stored in the storage unit 23 to determine whether or not the total amount has been paid (109). If the payment amount is smaller, the message "Please perform the payment operation using the next card" is displayed and the user withdraws the customer card 5 (110).
The operation from step 105 to step 109 is repeated.
When it is determined that the total amount of payment has been paid and the total transaction amount stored in the storage unit 23 has been paid, the process proceeds to the next step. When the balance is insufficient, calculate the shortage amount and "The balance is XX yen, it is insufficient. Replace the card."
Is displayed and the process returns to step 106.

The control unit 24 transmits the user name information and the electronic money corresponding to the total transaction amount to the retail vending machine 1 via the transmission unit 25 (111). The retail store vending machine 1 adds the received electronic money to the electronic money balance information 50b in the retail store card 4, and stores the user name and the payment amount information in the storage unit 15 in association with each other. When the addition is completed, the retailer vending machine 1 transmits an electronic money transfer completion signal to the server 3 and the settlement terminal 2.

The settlement terminal 2 that has received the electronic money transfer completion signal deletes the electronic money information stored in the storage unit 23 and displays a message asking whether it is necessary to issue a transaction statement. (112). When an instruction to issue a transaction statement is issued, the information is transmitted to the retailer vending machine 1, and information such as the user names and payment amount information of all the customer cards 5 that have been paid is processed. The information to be printed is edited and temporarily stored in the storage unit 15 (113). When the user returns the payment terminal 2 to the retailer (114),
The retailer checks the transaction status by a predetermined operation, and if the payment is completed, the payment terminal 2 is initialized.

If it is necessary to issue a transaction statement in the operation of step 112, the control unit 16 instructs the receipt printer 14 to print out the transaction contents (11).
5), print it on the specified transaction slip and hand it to the user,
The transaction processing using the electronic money ends. Step 1
At 12, it is selected that the transaction statement is unnecessary, and when the user returns the settlement terminal 2 to the retailer (11).
6) The retailer confirms the transaction status by a predetermined operation, and if the payment is completed, initializes the payment terminal 2 and ends the transaction with electronic money.

The case in which "collective" payment is selected in step 101 will be briefly described. This choice is made when the user wishes to settle the payment at a later date, when all the customers do not have the customer card, or when there is a person who wants to pay in currency. This is stored in the customer card 5 as electronic statement data. This electronic statement data may be one of the transaction history information 50c. However, if the electronic statement data is controlled to be deleted from the earliest transaction history information when the number of storable cases is limited, another storage area is allocated. Needless to say. Next, a specific example will be described in which Mr. B makes a representative payment.

The payment amount is displayed (117). When the user confirms that there is no difference in the payment amount and presses the confirmation key 22d (118), the operation unit 22 displays the customer card 5 held by the user. Display that prompts insertion. When the user (Mr. B) inserts the customer card 5 (119), it is confirmed whether or not the customer card 5 can be traded by the above-described procedure.
Next, the electronic money balance information 50b is read to determine whether payment is possible (120). If the transaction amount is within the electronic money balance, the process proceeds from step 108 described above.

If the balance is insufficient, the shortage amount is calculated, and the message "Balance is XX yen, shortage. Replace the card, display" NO "and return to step 119 (121).
Note that the guidance display in step 121 is “split bill”
In other words, switching guidance that allows multiple persons to make installment payments is also possible.

When it is desired to know the balance of electronic money in the customer card before the payment at the retail store, the balance can be read out using the payment terminal, and the payment is made only when the user determines that the payment can be made. Transactions can also be made. Furthermore, the number of split persons and the rank (ratio) are input from the operation unit. However, the present invention is not limited to this, and a configuration is also possible in which voice input and input using optical technology such as a barcode and OCR are possible. Needless to say, it can be done.

Next, a description will be given of settlement at a later date by a customer terminal used between users. This is a case where the electronic statement data is stored in the customer card 5 at the time of "issue required" of the transaction statement in the above-described step 112, and a settlement process is performed between users. This is a process of temporarily performing a lump-sum payment in the above-described operations from the step 117 to the step 121 and performing a settlement at a later date.

FIG. 7 is an external view of a customer terminal used between users, and FIG. 8 is a control block diagram of the customer terminal. In the figure, reference numeral 30 denotes a customer terminal (hereinafter referred to as a settlement terminal), which is purchased or borrowed from a financial institution for transactions using electronic money. The settlement terminal 30 can also perform a transaction of charging electronic money from the financial institution to the customer card 5 using line connection means (not shown).
The description is omitted.

Reference numerals 31a and 31b denote first and second card reader / writers (hereinafter referred to as card R / W units), respectively.
It is capable of reading and writing stored information by being connected to a PC, and is controlled by a control unit described later. Reference numeral 32 denotes an operation unit for selecting and setting various processing modes and the like, and for inputting a personal identification number and a transaction amount, and is composed of a plurality of push button switches as shown in the figure. A display unit 33 displays a transaction amount, a processing state, and the like, and is, for example, a liquid crystal display.

Reference numeral 34 denotes a storage unit in which programs for controlling the first and second card R / W units 31a and 31b, the operation unit 32, and the display unit 33 are stored. Reference numeral 35 denotes a control unit for controlling the above units, and reference numeral 36 denotes a battery. The battery 36 controls the first and second card R / W units 31a and 31b for backing up the contents stored in the storage unit 34 and when the customer card 5 is inserted, and for controlling the electronic money balance information and the like in the customer card 5. A power source for reading and displaying the information is indicated by a power switch 37.

As for the settlement at a later date using the settlement terminal 30, there is not a function of issuing a statement as compared with the case where "split bill" is selected in the operation step 101 described above with reference to FIG. The four items are different, and the others are the same. The first difference is that the electronic money between the customer card 5 of the user (for example, Mr. B) paid at the retail store and the customer card 5 owned by another member (Mr. A, C to G) who pays the bill. Being a move.

Second, after the confirmation in step 107, the allocated amount for the principal (Mr. B) remains or the transaction is deducted from the principal. Thirdly, it may be difficult to settle all members at one time. Therefore, the state in which the full payment is not completed is indicated by the customer card 5 of the user (Mr. B).
To be able to memorize by appending to Fourth, in the case of offsetting with a currency or other value, the principal performs the processing according to a predetermined procedure to complete the settlement.

FIG. 9 shows a display example of the settlement terminal. FIG. 9 (a) is an initial screen display when the transaction detail data stored in the customer card 5 is read out and settled. FIG. 9B shows the same processing as that of FIG. 6A described above. FIG. 9 (c) shows the settlement status, and “○” and “Done” are displayed in rank 2 (2, 2).
(361 + 19/21 yen), only one person has completed the payment, which means that the payment for one more member has not been completed.

As described above, the settlement can be performed at a later date, so that it is not necessary to perform the split payment in the retail store, so that it is convenient for the user. Further, since the transaction history is additionally recorded in the customer card and stored, it is easy to notice the settlement status at the time of any transaction, so that it is easy to collect from the unpaid person and there is no disadvantage to the transfer person.

[0046]

The present invention described above has the following effects. When paying a bill at a restaurant, etc., you can pay for the bill without paying for fractional settlement or avoiding collection of extra money. Therefore, there is no trouble for the user. Furthermore, since even fractional payments can be made and withdrawn, settlement is not limited to “split billing” settlement, and settlement up to the fraction that occurs when, for example, paying with one discount at the time of individual payment is also possible. Even when exchanging money (images of dollars and yen) and when paying various commissions, there is no need to make arrangements for fractions, and settlement can be made quickly. There is also a psychological effect that the user is not given a feeling of loss due to truncation.

The electronic information can be easily copied or recreated, but since electronic money is a "currency", it must not be increased. In addition, truncating even a fraction means losing "currency", so it is something that we want to avoid socially. The use of the concept of fractions according to the present invention has the effect of not causing any loss to the user because the fraction is not truncated even when the value of the fraction is large.

A debit card service that allows payment with a cash card of a financial institution is used to immediately deduct the payment from the user's deposit account and pay the same amount in an online payment system in which the payment is made to the account specified by the retailer. Can be made possible. By constructing a system that can also use this debit card service, there is an effect that the convenience can be further improved for the user.

[Brief description of the drawings]

FIG. 1 is a system diagram of a payment system of the present invention.

FIG. 2 is a control block diagram of the payment system of the present invention.

FIG. 3 is a control block diagram of an IC card used in the present invention.

FIG. 4 is a conceptual diagram showing a part of data stored in an IC card used in the present invention.

FIG. 5 is a flowchart of payment settlement according to the present invention.

FIG. 6 is an explanatory diagram showing a display example on a display unit of the payment terminal of the present invention.

FIG. 7 is an external view of a customer terminal used between users of the present invention.

FIG. 8 is a control block diagram of the customer terminal of the present invention.

FIG. 9 is an explanatory diagram showing a display example on a display unit of the customer terminal of the present invention.

[Description of Signs] 2 User operation terminal (payment terminal) 5 User IC card (customer card) 14 receipt printer 23 storage unit 30 customer terminal (payment terminal)

Claims (4)

[Claims] 1. A payment system in which digital data having a value equivalent to a currency is stored as electronic money in a storage medium, and payment for goods, food and drink, and services is performed using the electronic money. A payment terminal for reading and storing the digital data from the storage medium to receive the transaction; and performing a payment transaction with the electronic money using the payment terminal from the payment terminal. When a payment instruction is given, a payment transaction is performed between the plurality of storage media in order to pay for the payment separately. 2. The payment settlement system according to claim 1, wherein when a settlement transaction using electronic money is performed using the settlement terminal, a single storage medium is used when collective payment is instructed from the settlement terminal. A payment settlement system in which transaction settlement is performed, the transaction history information is stored in the storage medium, and electronic money corresponding to the split payment is sequentially transferred between the plurality of storage media. 3. The payment settlement system according to claim 1, wherein when the split payment is instructed, the total payment amount is calculated according to the number of split persons and / or the split rate, as a result of the calculation.
A price settlement system for assigning a fractional amount as a fractional amount when a fractional amount occurs. 4. The payment settlement system according to claim 2, wherein when the transfer transaction of the electronic money between the plurality of storage media is not completed, the processing information at that time is added to the transaction history information and the single transaction is performed. Payment system that can be stored in a storage medium.