JP2002099847A - Multi-functional ic card, account settling method and device, and storage medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a multi-functional IC card, account settling device, settling method and a storage medium whereby it is practicable to enhance the processing efficiency of the account settlement processing. SOLUTION: As the user-desired information, the priority sequence of different account settling means, the extent possible to make account settlement for specifying the amount possible to make account settlement by each account settling means, etc., is stored in the memory of the multi-functional IC card, and on the basis of the stored sequence and extent, the optimum settling means is selected (S22-S30), and the settling processing is executed. Thereby a processing desired by the card possessor can be executed on the basis of the user-desired information preset in the IC card without requiring the IC card possessor to notify the operator of his settling means, so that the processing efficiency of the account settlement processing can be enhanced.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a multifunctional IC card, a payment device, a payment method, and a storage medium.

[0002]

2. Description of the Related Art Today, settlement by various cards (such as credit cards, cash cards used for debit card settlement, IC cards with electronic money, point cards, etc.) functioning as settlement means instead of cash is widely used. Is coming.

In recent years, in order to improve portability, an IC chip which stores data of a credit card, data of a cash card, and the like is mounted on a card.
A multi-function IC card (multi-function card) in which a single card is provided with a plurality of types of settlement means has also been considered.

[0004]

However, a multi-function IC card (multi-function card) having a plurality of types of payment means with one card as described above has to determine which payment means to use. You could not use it unless you told a clerk in advance.

[0005] In addition, after a store clerk or the like is told in advance which settlement means to use, the use of the settlement means may be refused depending on the usage amount. The case where the use is refused in this way includes, for example, a case where a credit card is used for a small amount of shopping.

[0006] Furthermore, if the IC chip also has a point card function, every time the payment is made, "Points are stored. You can use it for about $ 2,000." I will use it. I will pay for the shortage in cash. "
This has confused customers, had a significant effect on payment times during busy times, and had a problem with convenience.

An object of the present invention is to provide a multifunctional IC card, a payment device, and a communication method that can improve the processing efficiency of payment processing.
To obtain a settlement method and a storage medium.

[0008]

According to the first aspect of the present invention,
In a multifunctional IC card having a microcomputer and a memory for transmitting and receiving data corresponding to a plurality of types of payment means and causing a payment apparatus to execute a desired payment process, one payment means is selected from each of the payment means. A user desired information storage table for storing the user desired information to be stored in the memory.

Therefore, for example, by storing in a memory the priority order of each settlement means and the settlement possible range which defines the amount of money that can be settled by each settlement means in the memory, it is possible to accord with these priorities and the settlement possible range. Payment means can be selected.

According to a second aspect of the present invention, in the multifunctional IC card according to the first aspect, a point card function of accumulating points in the memory is provided.

Therefore, by providing not only the settlement means but also the point card function, it is possible to provide a multifunctional IC card which is easy to use.

According to a third aspect of the present invention, there is provided a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means. User information obtaining means for obtaining user desired information for selecting a payment means to be performed, and payment selecting means for selecting the payment means based on the user desired information obtained by the user information obtaining means,
And a settlement executing means for executing a settlement process by the settlement means selected by the settlement selecting means.

Therefore, for example, when the priority order of each settlement means and the settlement possible range that defines the amount that can be settled by each settlement means are stored in the memory of the multifunctional IC card as the user desired information, The most appropriate settlement means is selected based on the priority order and the settlement possible range, and the settlement processing is executed. Thereby, even if the owner of the multifunctional IC card does not notify the operator of the settlement means, the settlement processing according to the intention of the card owner can be performed based on the user desire information preset in the multifunctional IC card. Since the processing is executed, the processing efficiency of the settlement processing is improved.

According to a fourth aspect of the present invention, there is provided a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means, wherein the settlement for selecting one settlement means from each of the settlement means. Information acquisition means for acquiring from the settlement-side desired information storage table storing side-desired information; settlement selection means for selecting the settlement means based on the settlement-side desired information acquired by the information acquisition means; and settlement selection means And a settlement executing means for executing a settlement process by the settlement means selected by the above.

Therefore, for example, when the priority order of each settlement means and the settlement possible range that defines the amount of money that can be settled by each settlement means are stored in the storage unit as the settlement-side desired information, these priorities and settlements are set. An optimal settlement means is selected based on the possible range, and the settlement process is executed. Accordingly, the payment processing according to the intention of the payment side can be executed based on the payment side desired information preset in the storage unit of the payment apparatus without the owner of the multifunctional IC card notifying the operator of the payment means. Therefore, the processing efficiency of the settlement process is improved.

According to a fifth aspect of the present invention, there is provided a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means. User information obtaining means for obtaining user desired information for selecting a payment means to be performed, and a payment side desired information storage table storing payment side desired information for selecting one payment means from the respective payment means. The information acquisition means to be acquired and the settlement means which can compare the settlement-side desired information acquired by the information acquisition means with the user desired information acquired by the user information acquisition means, and satisfy both of the wishes. Settlement adjustment selecting means for adjusting and selecting, settlement executing means for executing settlement processing by the settlement means selected by the settlement adjustment selecting means,
Is provided.

Therefore, the user's desired information set in the multifunctional IC card is compared with the payment-side desired information set in the storage unit of the payment device, and the payment means that can satisfy both wishes is adjusted. And the settlement process is executed. Thus, even if the owner of the multi-function IC card does not notify the operator of the settlement means, the user request information set in the multi-function IC card and the payment side request set in the storage unit of the settlement device are set. Since the settlement process that satisfies both the wishes is executed based on the information, the processing efficiency of the settlement process is improved.

The invention according to claim 6 is the invention according to claims 3 to 5
In the settlement apparatus according to any one of the above, the multi-function type I
If the number of points stored in the memory of the C card has reached a predetermined number of points, a point exchange amount corresponding to the predetermined number of points is subtracted from the sales amount prior to the settlement processing by the settlement execution means.

Therefore, the convenience and speed of settlement by the multifunctional IC card are improved.

According to a seventh aspect of the present invention, there is provided a settlement device for performing settlement processing of a sales amount by an arbitrary one of a plurality of types of settlement means, a microcomputer, and a memory. Multi-function IC for transmitting and receiving data according to the payment device and executing desired payment processing
A payment method using a card, wherein a user desired information for storing user desired information for selecting one payment means from the respective payment means in the memory of the multifunctional IC card; A user information obtaining step of obtaining the user desired information stored in the memory of the multifunctional IC card; and a payment selecting step of selecting the payment means based on the obtained user desired information. A settlement execution step of executing settlement processing by the settlement means.

Therefore, for example, when the priority order of each settlement means and the settlement range defining the amount of money that can be settled by each settlement means are stored in the memory of the multifunctional IC card as user desired information, The most appropriate settlement means is selected based on the priority order and the settlement possible range, and the settlement processing is executed. Thereby, even if the owner of the multifunctional IC card does not notify the operator of the settlement means, the settlement processing according to the intention of the card owner can be performed based on the user desire information preset in the multifunctional IC card. Since the processing is executed, the processing efficiency of the settlement processing is improved.

According to an eighth aspect of the present invention, there is provided a settlement method using a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of settlement units. A payment-side desired information storage step of storing payment-side desired information for selection in a storage unit; an information acquisition step of obtaining the payment-side desired information stored in the storage unit; A settlement selecting step of selecting the settlement means based on the settlement means, and a settlement execution step of executing settlement processing by the selected settlement means;
including.

Accordingly, for example, when the priority order of each settlement means and the settlement possible range which defines the amount that can be settled by each settlement means are stored in the storage unit as the settlement-side desired information, these priorities and settlements are set. An optimal settlement means is selected based on the possible range, and the settlement process is executed. Accordingly, the payment processing according to the intention of the payment side can be executed based on the payment side desired information preset in the storage unit of the payment apparatus without the owner of the multifunctional IC card notifying the operator of the payment means. Therefore, the processing efficiency of the settlement process is improved.

According to a ninth aspect of the present invention, there is provided a settlement apparatus for performing a settlement processing of a sales amount by an arbitrary one of a plurality of settlement means, a microcomputer, and a memory. Multi-function IC for transmitting and receiving data according to the payment device and executing desired payment processing
A payment method using the multi-function type I
A user information obtaining step of obtaining the user desired information stored in the memory of the C card; and a payment side for storing payment side desired information for selecting one payment means from the respective payment means in a storage unit. A desired information storage step, an information obtaining step of obtaining the payment side desired information stored in the storage unit, and comparing the obtained payment side desired information with the user desired information, and satisfying both desired. A settlement adjustment selecting step of adjusting and selecting the obtained settlement means; and a settlement execution step of executing settlement processing by the selected settlement means.

Therefore, the user desired information preset in the multi-function type IC card is compared with the settlement side desired information preset in the storage unit of the settlement apparatus, and the settlement means capable of satisfying both wishes is adjusted. And the settlement process is executed. Thus, even if the owner of the multi-function IC card does not notify the operator of the settlement means, the user request information set in the multi-function IC card and the payment side request set in the storage unit of the settlement device are set. Since the settlement process that satisfies both the wishes is executed based on the information, the processing efficiency of the settlement process is improved.

According to a tenth aspect of the present invention, there is provided a storage medium for use in a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means, and storing a computer-readable program. Wherein the program comprises: a user information acquisition function for acquiring user desired information for selecting a settlement means desired by a user stored in a memory of a multifunctional IC card; The computer causes the computer to execute a settlement selection function of selecting the settlement unit based on desired information and a settlement execution function of executing settlement processing by the selected settlement unit.

Therefore, for example, in the case where the priority order of each settlement means and the settlement possible range which defines the amount that can be settled by each settlement means are stored in the memory of the multifunctional IC card as the user desired information, The most appropriate settlement means is selected based on the priority order and the settlement possible range, and the settlement processing is executed. Thereby, even if the owner of the multifunctional IC card does not notify the operator of the settlement means, the settlement processing according to the intention of the card owner can be performed based on the user desire information preset in the multifunctional IC card. Since the processing is executed, the processing efficiency of the settlement processing is improved.

According to an eleventh aspect of the present invention, there is provided a storage medium which is used in a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means, and stores a computer-readable program. Wherein the program includes a payment-side desired information storage function of storing payment-side desired information for selecting one payment unit from the payment units in a storage unit; and the payment side stored in the storage unit. An information acquisition function for acquiring desired information, a settlement selection function for selecting the settlement unit based on the acquired settlement-side desired information, and a settlement execution function for executing settlement processing by the selected settlement unit. Let the computer run.

Therefore, for example, when the priority order of each settlement means and the settlement possible range that defines the amount that can be settled by each settlement means are stored in the storage unit as settlement-side desired information, the priority order and settlement An optimal settlement means is selected based on the possible range, and the settlement process is executed. Accordingly, the payment processing according to the intention of the payment side can be executed based on the payment side desired information preset in the storage unit of the payment apparatus without the owner of the multifunctional IC card notifying the operator of the payment means. Therefore, the processing efficiency of the settlement process is improved.

According to a twelfth aspect of the present invention, there is provided a storage medium which is used in a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means, and stores a computer-readable program. Wherein the program comprises: a user information acquisition function for acquiring user desired information for selecting a desired payment means stored in a memory of the multifunctional IC card; A payment-side desired information storage function for storing payment-side desired information for selecting one payment means in a storage unit; an information acquisition function for obtaining the payment-side desired information stored in the storage unit; Settlement adjustment that compares settlement-side desired information with the user desired information acquired by the user information acquisition unit, and adjusts and selects the settlement unit that can satisfy both wishes. And-option function, to execute a settlement execution function for executing a settlement process by the selected the payment means to the computer.

Therefore, the user desired information preset in the multi-function IC card is compared with the settlement side desired information preset in the storage unit of the settlement apparatus, and the settlement means capable of satisfying both wishes is adjusted. And the settlement process is executed. Thus, even if the owner of the multi-function IC card does not notify the operator of the settlement means, the user request information set in the multi-function IC card and the payment side request set in the storage unit of the settlement device are set. Since the settlement process that satisfies both the wishes is executed based on the information, the processing efficiency of the settlement process is improved.

[0032]

FIG. 1 shows a first embodiment of the present invention.
This will be described with reference to FIG. The present embodiment is an example in which a POS (Point of Sales) terminal, which is a merchandise sales registration data processing device provided with an IC card reader / writer, is applied as a settlement device.

FIG. 1 is an external perspective view schematically showing the POS terminal 1 and the IC card reader / writer 12. POS
The terminal 1 is placed on the drawer 2 and this drawer 2
Of the drawer 3 is controlled. The POS terminal 1 includes a keyboard 4 in which various keys are gathered, a control key 5 for switching the operation mode by a key (not shown),
A receipt issuing port 7 for issuing a receipt printed by a printer 6 (see FIG. 4), which is a printing unit, and a journal window 8 are provided. A display 9 functioning as a display unit on the operator side is provided on the upper right side of the POS terminal 1.
A customer-side display 10 functioning as a customer-side display unit is provided near the display 9. The POS terminal 1 is connected to a barcode scanner 11 for optically reading a product code. Further, the POS terminal 1 receives an insertion of the contact type IC card 16 and transmits / receives data via an external connection terminal 16 a (see FIG. 5) provided on the surface of the IC card 16. Card reader / writer 12
Is connected.

FIG. 2 is a plan view showing the arrangement of various keys on the keyboard 4 of the POS terminal 1. Keyboard 4
Is a numeric key 4a from "0" to "9" for inputting a product code, an amount, etc., a subtotal key 4b for declaring calculation of a total sales amount in sales processing, and a cash settlement in sales processing. Deposit / current total key 4 for declaration
c, a credit card key 4d for declaring settlement by credit card, a debit card key 4e for declaring settlement by cash card of a financial institution, and an electronic money key 4 for declaring settlement by electronic money.
f, an automatic selection key 4g for automatically selecting any one of the above-described settlement using a credit card, settlement using a cash card of a financial institution, and settlement using electronic money.
And the like are arranged on a block-by-block basis. In addition, keys other than 4a to 4g are keys provided in a conventional POS terminal or ECR and are irrelevant to functions unique to the POS terminal 1 of the present embodiment.
The description is omitted.

The IC card reader / writer 12 includes:
A keyboard 13 as an input unit in which various keys are gathered to receive an input of a personal identification number, and a card for reading and writing various data stored in an IC chip (not shown) built in the IC card 16. A reader / writer unit 14 and a display 15 which is a display unit for displaying predetermined items such as transaction contents and operation guidance are provided. Here, FIG. 3 shows the keyboard 1 of the IC card reader / writer 12.
It is a top view which shows arrangement | sequence of 3 various keys. Keyboard 1
3 is a function key 13 for switching modes.
a, a numeric key 13b from "0" to "9" for inputting a password, etc., an ENTER key 13c for declaring execution of a process, and a CANCEL key 13 for declaring interruption of the process.
Various keys such as d are provided.

Next, the electrical connection of each part provided in the POS terminal 1 and the IC card reader / writer 12 will be described with reference to FIG. The POS terminal 1 has a built-in microcomputer (hereinafter, referred to as a microcomputer) 17. The microcomputer 17 includes the above-described drawer 2, keyboard 4, control keys 5, printer 6, display 9, customer-side display 10, barcode scanner. Each part such as 11 is drive-controlled via a bus line 18 and various control circuits (not shown). The microcomputer 17 is a CP for centrally controlling each unit.
Bus line 18 to U (Central Processing Unit) 19
Via a ROM (Read Only Memory) 20, which is a storage medium for storing fixed data such as programs in advance, and a RAM (Random Acces) for storing variable data in a rewritable manner.
s Memory) 21. The RAM 21 also performs functions such as a work area such as a print buffer and a display buffer and an image memory by utilizing a function of storing variable data in a rewritable manner. further,
The microcomputer 17 includes, for example, the IC card reader / writer 12
An I / F 22 for connecting peripheral devices such as the above is connected via a bus line 18.

The bus line 18 connected to the CPU 19 has an HDD (Hard Disk Dr.) functioning as a storage medium.
ive) 23 is connected, and the HDD 23 stores a control program, a product master file, a sales file, and the like.

Further, the microcomputer 17 has a relay center CAFIS (Credit And Finance Information Software).
tching System) Communication I / F 24 that controls communication with 31 etc.
Are connected via a bus line 18. Thus, the POS terminal 1 is connected to the credit company 32 and the financial institution 33 via the CAFIS 31 by a communication line.

On the other hand, the IC card reader / writer 12 incorporates a microcomputer 30 which is a computer, and the microcomputer 30 connects the keyboard 13, the card reader / writer 14, the display 15 and the like to the bus line 25 and various control circuits. (Not shown). The microcomputer 30 communicates with the CPU 26 via the bus line 25.
ROM 27 for storing fixed data such as various control programs in advance and RA for rewritably storing variable data
M28. Further, an I / F 29 for connecting, for example, the POS terminal 1 or the like is connected to the microcomputer 30 via the bus line 25.

Next, the electrical connection of each part of the IC card 16 will be described with reference to FIG. I of IC card 16
The C chip has a built-in microcomputer 34, and the microcomputer 34 is configured by connecting a ROM 35, a RAM 38, and an EEPROM 39 for storing a control program in advance to a CPU 35 via a bus line 36. An external connection terminal 16a is also connected to the microcomputer 34. The external connection terminal 16a inputs a signal input from the card reader / writer unit 14 of the IC card reader / writer 12 to the microcomputer 34 via the bus line 36, The signal output from the microcomputer 34 is output to the card reader / writer unit 14 via the bus line 36.

Here, the EEPROM 39 functions as a memory for storing various data and various programs. Here, FIG. 6 is an explanatory diagram schematically showing the storage area of the EEPROM 39. As shown in FIG.
Is an “electronic money program / data” area 39 for storing programs and data related to settlement by electronic money.
a, a "debit card program / data" area 39b for storing programs and data related to payment by a cash card of a financial institution; a "credit card program / data" area 39c for storing programs and data related to payment by a credit card , “Spare” area 3
9d, a "settlement desired information parameter" area 39e for storing a settlement desired information table T1 (see FIG. 6) in which the priorities of settlement means by the IC card 16 are converted into data, and a "combination" for storing combinations of various settlement means. The table "region 39f".

Here, FIG. 7 shows the settlement desired information table T1 stored in the "settlement desired information parameter" area 39e.
In the example, a indicates the priority of the settlement means, b indicates the settlement means, c indicates the lower limit of the amount that can be paid by the settlement means, and d indicates the amount of money that can be paid by the settlement means. Indicates the upper limit. For example, in the example shown in FIG. 7, the highest priority among the payment means is payment by credit card, the lower limit of which is "$ 500", and the upper limit of which is "$ 500,000". ". That is, the settlement by credit card is “$ 500 to $ 500,00
0 "is defined as possible.
The next highest priority is the payment by financial institution cash card, the lower limit of which is "$ 50",
The upper limit is “$ 2,000”. That is, the settlement by the bank card of the financial institution is "$ 50 to $ 2,000.
It is defined that it is possible in the range of 0. The lowest priority is the settlement by electronic money, the lower limit is “$ 1”, and the upper limit is “$”. 9
99 ”, that is, the settlement by electronic money is“ ￥
It is defined that the settlement is possible within a range of 1 to $ 999. That is, the settlement desired information table T1 includes user desired information (priority and settlement possible) for selecting one settlement means from each settlement means. Function as a user desired information storage table for storing the range in the EEPROM 39.

The setting of the settlement request information table T1 may be set, for example, when a card is created, or may be set in the IC card reader / writer 12. Also, this setting is performed on the IC card 16
May be set according to the wishes of the holders, or may be set according to the wishes of financial institutions or the like.

Here, the HDD built in the POS terminal 1
A function that the control program stored in the microcomputer 23 causes the microcomputer 17 to execute will be described. In the present embodiment, a description of the same processing as that performed by a conventional POS terminal in each mode is omitted.

FIG. 8 is a flowchart schematically showing the flow of the sales processing. Sales processing is key 5
Is executed on condition that the mode is set to the registration mode. In the sales process, first, in step S1, the bar code scanner 11 reads the product code of the sales product, inputs the product code using the numeric key 4a of the keyboard 4, and calculates the sales quantity using the numeric key 4a of the keyboard 4. It waits for an input (step S1).

When it is determined that the bar code scanner 11 has read the product code and entered the number of sales by operating the keys on the keyboard 4 (Y in step S1), a sales registration process is executed in step S2. In this sales registration process, sales processing data based on the product name and unit price obtained by searching the product master file of the HDD 23 based on the input product code is stored in the sales buffer of the RAM 21, and the unit price and the like are stored. The transaction information is displayed on the display 9 of the POS terminal 1 and the customer side display 10.

The processing of steps S1 and S2 is repeated until it is determined that the subtotal key 4b of the keyboard 4 has been operated (Y in step S3).

When it is determined that the subtotal key 4b has been operated and the calculation of the total sales amount has been declared (Y in step S3), the process proceeds to step S4, where the total sales amount is displayed on the display 9 of the POS terminal 1 or the customer display. 10, and I
The information is displayed on the display 15 of the C card reader / writer 12.

Thereafter, until it is determined that the IC card 16 has been inserted into the card reader / writer section 14 of the IC card reader / writer 12 (Y in step S5), or
The process waits until it is determined that the deposit / current total key 4c of the keyboard 4 has been operated (Y in step S6).

For example, the customer presents the IC card 16 to the operator, the IC card 16 is inserted into the card reader / writer section 14 of the IC card reader / writer 12, and data is transmitted / received via the external connection terminal 16a of the IC card 16. Is possible, it is determined that the IC card 16 has been inserted (Y in step S5), and the flow advances to step S7 to determine whether the IC card 16 has a plurality of settlement units. . The determination as to whether or not the IC card 16 has a plurality of settlement means is made, for example, by searching for a combination of various settlement means stored in the "combination table" area 39f of the EEPROM 39.

When the IC card 16 has a plurality of settlement means (Y in step S7), the IC card is displayed on the display 9 and the customer display 10 of the POS terminal 1 and the display 15 of the IC card reader / writer 12. 1
6 indicates that the IC card 16 has a plurality of settlement means (for example, "multifunction card.") To notify the operator or the customer that the IC card 16 has a plurality of settlement means. S8), and proceed to step S9.

On the other hand, if the IC card 16 does not have a plurality of settlement means (N in step S7), the process directly proceeds to step S9.

In the following steps S9 to S12, the operation waits for any one of the credit card key 4d, the debit card key 4e, the electronic money key 4f and the automatic selection key 4g of the keyboard 4. Then, irrespective of whether the IC card 16 has a plurality of settlement means and not the plurality of settlement means, for example, the customer verbally informs the operator that "I want to pay by credit card",
When the operator operates the credit card key 4d (Y in step S10), a payment process using a credit card is executed (step S14). If the operator operates the debit card key 4e (Y in step S11), a payment process using a cash card is executed (step S15), and if the electronic money key 4f is operated by the operator (step S15). In S12, a payment process using electronic money is executed (step S16).

Further, the IC card 16 has a plurality of settlement means. For example, when there is no request from the customer, or "I want to automatically select and settle the settlement means possessed by the IC card 16" to the operator. When the automatic selection key 4g is operated by the operator (Y in step S9), the process proceeds to step S13, and a settlement means selection process is executed.

FIG. 9 is a flowchart schematically showing the flow of the settlement means selecting process. As shown in FIG. 9, the settlement means selection process is performed by first executing the EE of the IC card 16.
"Settlement desired information parameter" area 39e of PROM 39
From the settlement request information table T1 (step S
21: user information acquisition means), and recognizes the settlement means having the first priority a (the settlement by a credit card in the present embodiment) (step S22) and step S23.
Proceed to.

In the following step S23, it is determined whether or not the total sales amount is within the settable range of the settlement means recognized in step S22 (the settlement means having the first priority a). For example, if the total sales amount is “$ 1,000”
In this case, the settlement area “可能” that can be settled by the credit card defined in the settlement desired information table T1 is used.
Since 500 to $ 500,000 "is satisfied, it is determined that the total amount of the sales is within the possible range of payment by a credit card.

If the total sales amount is within the settable range of the settlement means (the settlement means having the first priority a) recognized in step S22 (Y in step S23), the settlement recognized in step S22. Means (the payment means having the highest priority a) is selected, and the display 9 of the POS terminal 1, the customer side display 10, and the IC card reader / writer 1 are selected.
2 is displayed on the display 15 (step S2).
4), end the process.

If the total sales amount is not within the settleable range of the settlement means (the settlement means having the first priority a) recognized in step S22 (N in step S23),
The payment means with the second priority (a payment in this embodiment with a cash card) is recognized (step S25), and the process proceeds to step S26.

In subsequent step S26, it is determined whether or not the total sales amount is within the settable range of the settlement means (the settlement means having the second priority order a) recognized in step S25. If it is within the settlement range of the settlement unit (priority a with the second highest priority) recognized in step S25 (Y in step S26), the process proceeds to step S25.
25, the payment means (the payment means having the second highest priority a) recognized is selected and displayed to the effect on the display 9 and the customer display 10 of the POS terminal 1 and the display 15 of the IC card reader / writer 12 ( Step S2
7), the process ends.

Further, when the total sales amount is not within the settable range of the settlement means (the settlement means having the second priority in the priority order a) recognized in step S25 (N in step S26), the priority a is ranked third. (In this embodiment, settlement by electronic money) is recognized (step S
28), and proceed to step S29.

In the following step S29, it is determined whether or not the total sales amount is within the settable range of the settlement means (the third highest priority settlement means) recognized in step S28. If it is within the settlement possible range of the settlement means (priority a is the third-ranked settlement means) recognized in step S28 (Y in step S29), step S29 is executed.
The payment means (the payment means having the third priority a) recognized at 28 is selected, and the selected means is displayed on the display 9 and the customer display 10 of the POS terminal 1 and the display 15 of the IC card reader / writer 12 ( Step S3
0), and the process ends. Therefore, steps S22-
In step S30, the function of the settlement selecting means is executed.

If the total sales amount is not within the settable range of the settlement means (the third highest priority settlement means) recognized in step S28 (N in step S29),
Since the IC card 16 cannot make a payment according to the payment request information table T1, the display 9 or the customer display 10 of the POS terminal 1 and the display 15 of the IC card reader / writer 12 indicate that the payment cannot be made. Error processing such as displaying on the screen (step S3
After performing 1), the process returns to step S5, where the deposit / current total key 4
c, credit card key 4d, debit card key 4
e, waiting for any manual operation of the electronic money key 4f.

When the settlement means selection processing is completed as described above, the process proceeds to step S17, where the settlement processing by the settlement means selected in the settlement means selection processing is executed, and the processing ends. Here, the function of the settlement execution means is executed.

In step S6, the keyboard 4
Is determined to have been operated (Y in step S6), a settlement process using cash is executed (step S18), and the process ends.

Here, the priority order of each settlement means and the settlement range which defines the amount of money that can be settled by each settlement means is the EEPRO of the multifunctional IC card 16 as the user desired information.
If stored in M39, the most appropriate settlement means is selected based on these priorities and the possible settlement range, and the settlement process is executed. Accordingly, the payment according to the intention of the card owner can be performed based on the user desire information preset in the multi-function IC card 16 without the owner of the multi-function IC card 16 notifying the operator of the payment means. Since the processing is executed, the processing efficiency of the settlement processing is improved.

Next, a second embodiment of the present invention will be described with reference to FIG.
It will be described based on. The same parts as those described in the first embodiment of the present invention are denoted by the same reference numerals, and description thereof will be omitted. In the first embodiment,
In the EEPROM 39 of the IC card 16, the payment request information table T1 in which the priority order of the payment means and the like are stored as data is stored, but in the present embodiment, the POS is set.
The difference is that the payment request information table T2 in which the priorities of the payment means and the like are converted into data is stored in the HDD 23 (storage unit) of the terminal 1.

FIG. 10 is an example of the settlement request information table T2, where e indicates the priority of the settlement means, f indicates the settlement means, and g indicates the lower limit of the amount payable by the settlement means. , H indicate the upper limit of the amount that can be paid by the settlement means. For example, in the example shown in FIG. 10, the highest priority among the settlement means is settlement by electronic money, and the lower limit is “$ 1” and the upper limit is “$ 9”.
9,999 ". In other words, it is defined that settlement by electronic money is possible in the range of" $ 1 to $ 99,999 ". It is a payment by cash card, the lower limit is “$ 500” and the upper limit is “$ 99,99
9 ". That is, it is defined that the settlement by the bank card of the financial institution is possible in the range of" $ 500 to $ 99,999 ". The lowest priority is given to the credit card. , The lower limit is “$ 3,000” and the upper limit is “$ 99
9,999 ". That is, it is defined that the settlement by the credit card is possible in the range of" $ 3,000 to $ 999,999 ". Payment-side desired information for selecting one payment method from the means (priority and possible settlement range)
Functions as a payment-side desired information storage table for storing the information in the HDD 23.

The setting of the settlement request information table T2 may be set, for example, by the request of the owner of the POS terminal 1 or by the request of a financial institution.

Therefore, in the present embodiment and the first embodiment, the settlement means selection process (FIG. 8) executed when the automatic selection key 4g is operated (Y in step S9 shown in FIG. 8). The contents of step S13) indicated by 8 will be partially different. Here, only the differences will be described with reference to FIG. 9. In the first embodiment, step S2 is performed.
1, the payment desired information table T1 is read from the “payment desired information parameter” area 39e of the EEPROM 39 of the IC card 16, but in the present embodiment, the payment desired information table T2 is read from the HDD 23 of the POS terminal 1 ( Only the information acquisition means) is different. That is, for example, the total sales amount is “$ 300”
In the case where the customer wishes to settle the payment by cash card, the settlement area “$ 5” settable by the cash card defined in the desired information table T2.
The settlement process is rejected because the value does not satisfy "00 to $ 99,999".

Here, for example, when the priority order of each settlement means and the settlement possible range that defines the amount of money that can be settled by each settlement means are stored in the storage unit as settlement-side desired information, these priorities and The most suitable settlement means is selected based on the settlement possible range, and the settlement processing is executed. Accordingly, the payment processing according to the intention of the payment side can be executed based on the payment side desired information preset in the storage unit of the payment apparatus without the owner of the multifunctional IC card notifying the operator of the payment means. Therefore, the processing efficiency of the settlement process is improved.

Note that the settlement request information table T2 contains the PO
The present invention is not limited to the one provided in the HDD 23 of the S terminal 1, but may be another external storage device or the like.

Next, a third embodiment of the present invention will be described with reference to FIG.
This will be described with reference to FIG. Note that the same parts as those described in the first embodiment or the second embodiment of the present invention are denoted by the same reference numerals, and description thereof will be omitted. In the present embodiment, the EEPROM of the IC card 16 is used.
39 stores a settlement request information table T1 in which the priority order of the settlement means is converted into data.
The difference from the first and second embodiments is that the DD 23 stores a settlement request information table T2 in which the priorities of settlement means and the like are converted into data. The contents of the settlement means selection processing are also different from those of the first and second embodiments. This is different from the first embodiment and the second embodiment.

FIG. 11 is a flowchart schematically showing the flow of the settlement means selecting process according to the present embodiment.
As shown in FIG. 11, in the settlement means selecting process according to the present embodiment, first, in step S41, the counter is set to “N = 1 (N:
IC card 1 after initializing to
6 is read from the "payment desired information parameter" area 39e of the EEPROM 39 (step S42: user information acquisition means), and the priority a is N.
Recognize the payment means (N = 1) (in this embodiment, payment by credit card) (step S4)
3), proceed to the approval process of step S44.

Here, the approval processing in step S44 will be described. FIG. 12 is a flowchart schematically showing the flow of the approval process. As shown in FIG. 12, in the approval process, after reading the settlement request information table T2 from the HDD 23 of the POS terminal 1 (step S51: information acquisition unit), the settlement unit (IC card) in which the total sales amount is recognized in step S43. The priority a on the 16 side is N (N = 1)
It is determined based on the settlement desired information table T2 whether or not the settlement is within the settable range of the settlement unit (step S5).
2).

The settlement means (priority a on the IC card 16 side is N (N
If the payment order is within the settlement possible range of the (= 1) -order settlement means) (Y in step S52), the settlement by the settlement means with the priority a on the IC card 16 side being N (N = 1) is approved. Then, an approval signal to the effect is generated (step S53), and the approval process ends.

If the total sales amount is not within the settable range of the settlement means recognized in step S43 (the settlement means whose priority order a on the IC card 16 side is Nth (N = 1)) (step S43). (N in S52), a rejection signal indicating that the settlement by the settlement means of the Nth (N = 1) priority order a on the IC card 16 side is not approved is generated (step S54), and the approval process ends.

In the following step S45, it is determined whether or not the settlement by the settlement means having the Nth (N = 1) priority a on the IC card 16 side has been approved in the approval processing in step S44. If an approval signal is generated in the approval process of step S44, it is determined that the payment has been approved (Y in step S45), and the IC card 16
Side selects the settlement means whose priority order a is N (N = 1), and displays this on the display 9 and the customer side display 10 of the POS terminal 1 and the display 15 of the IC card reader / writer 12 (step S1). S46), the process ends.

On the other hand, if a denial signal is generated in the approval process of step S44 and it is determined that the settlement has not been approved (N in step S45), the process proceeds to step S45.
Go to 47. In step S47, the IC card 1
It is determined whether or not the approval process of step S44 has been executed for all the settlement means of No. 6. Here, “N =
It is determined whether or not the approval process of step S44 has been executed for all the payment means of the IC card 16 based on whether or not the value is "3".
This is because the priority order a is set to only the third rank in 1. Note that the number of priorities N of the settlement means is “3”
However, the present invention is not limited to this, and varies depending on the number of payment means provided in the IC card 16.

If "N = 3" is not satisfied (step S4
N of 7), since the approval process of step S44 has not been executed for all the settlement means of the IC card 16, N is incremented by "1" (step S4).
8) The processing of steps S43 to S45 is executed again.
Therefore, in steps S42 to S48, the function of the settlement adjustment selecting means is executed.

If “N = 3” (Y in step S 47), the approval process in step S 44 has been executed for all the settlement means of the IC card 16, and settlement is performed in any settlement means. Error processing (step S31), such as displaying on the display 9 or the customer-side display 10 of the POS terminal 1 and the display 15 of the IC card reader / writer 12 that the payment cannot be performed, since the payment cannot be performed. Then, the process returns to step S5 shown in FIG. 8, and waits for manual operation of any of the deposit / current total key 4c, credit card key 4d, debit card key 4e, and electronic money key 4f.

Therefore, for example, if the total sales amount is “$
In the case of 2,000 ", the settlement by the credit card whose priority order a is defined as the first in the settlement request information table T1 of the IC card 16 is recognized as the customer's desired settlement means. “￥ 2,
000 ”is a credit card payment range“ $ 3,000 to $ 999,99 ”defined in the payment request information table T2 of the HDD 23 of the POS terminal 1.
9 "is not satisfied, the settlement by the credit card is rejected. Next, the settlement by the cash card of the financial institution in which the priority order a is defined as second in the settlement request information table T1 of the IC card 16 is recognized. Then, the total sales amount “$ 2,000” is
Since the payment possible range “$ 500 to $ 99,999” by the bank card of the financial institution defined in the payment request information table T2 of the HDD 23 of the terminal 1 is satisfied, it is determined that the request of the customer and the store match. In other words, the settlement process using the cash card of the financial institution is executed.

Here, the user desired information of the payment desired information table T1 preset in the multifunctional IC card 16 and the payment side desired information of the payment desired information table T2 preset in the HDD 23 of the POS terminal 1 are stored. The settlement means that can be compared and satisfy both wishes are adjusted and selected, and the settlement processing is executed. Thereby, the multifunctional IC card 1
6 does not notify the operator of the payment method,
Since the settlement processing that satisfies both of the wishes is performed based on the user desire information set in advance in the multifunctional IC card 16 and the settlement-side wish information preset in the HDD 23 of the POS terminal 1, the settlement is performed. The processing efficiency of the processing is improved.

Next, a fourth embodiment of the present invention will be described with reference to FIG.
This will be described with reference to FIG. The same parts as those described in the first to third embodiments of the present invention are denoted by the same reference numerals, and description thereof is omitted. In the present embodiment, the I
The "spare" area 39d of the EEPROM 39 of the C card 16
Is used as a "point card program / data" area, so that the IC card 16 has a point function. Here, the point function is to accumulate and add points according to the total purchase price of goods, and to give a privilege such as a discount when the accumulated points reach a predetermined number of points. Further, since the IC card 16 is provided with the point function, the contents of the sales processing are different from those of the first to third embodiments.

FIG. 13 is an explanatory diagram schematically showing the storage area of the EEPROM 39. As shown in FIG. 13, the EEPROM 39 has an "electronic money program / data" area 39a for storing a program and data relating to settlement by electronic money, and a "debit" for storing a program and data relating to settlement by a cash card of a financial institution. Card program / data area 39b, credit card program / data area 3 for storing programs and data related to credit card settlement
9c, “point card program / data” area 39 for storing the total points obtained by adding points according to the total purchase price of the merchandise and exhibiting the point card function.
d, a "settlement desired information parameter" area 39e for storing a settlement desired information table T1 in which the priority order of settlement means by the IC card 16 is converted into data, and a "combination table" area 39f for storing combinations of various settlement means. It is configured.

FIG. 14 is a flowchart schematically showing the flow of the sales processing of the present embodiment. As shown in FIG. 14, steps S1 to S6 of the sales processing according to the present embodiment are not different from steps S1 to S6 of the sales processing shown in FIG. 8, and a description thereof will be omitted.

If it is determined that the IC card 16 has been inserted (Y in step S5), the process proceeds to step S5.
Proceeding to 61, it is determined whether or not points can be used (discount). To determine whether or not this point can be used (discounted), refer to “Point Card Program / Data”
The determination is made based on whether or not the accumulated points stored in the area 39d have reached the predetermined number of points.

"Point card program / data"
If the accumulated points stored in the area 39d have reached the predetermined number of points and it is determined that the points can be used (discounted) (Y in step S61), the points corresponding to the predetermined number of points are obtained. The redemption amount ￥ P is calculated (step S62), the point sales amount ￥ P is subtracted from the total sales amount calculated in step S4 to calculate a new total sales amount (step S63), and the process proceeds to step S7. For example, when the total sales amount calculated in step S4 is "$ 2,000" and the point exchange amount $ P is "$ 500", the new total sales amount is "$ 1,500". ".

On the other hand, if it is determined that the accumulated points stored in the “point card program / data” area 39d have not reached the predetermined number of points and that the points cannot be used (discounted). (N in step S61), the process directly proceeds to step S7.

Here, as shown in FIG. 14, steps S7 to S18 of the sales processing according to the present embodiment are not different from steps S7 to S18 of the sales processing shown in FIG. Omitted. However, in steps S7 to S18 of the sales processing of the present embodiment, the total sales amount used in performing the settlement processing is not the total sales amount calculated in the use step S4 when the points are used, but is the point. This is a new total sales amount from which the exchange amount ΔP has been reduced.

After the settlement processing is executed by the various settlement means, points corresponding to the total sales amount are added to the accumulated points stored in the “point card program / data” area 39 d of the IC card 16. And the process of reducing the predetermined number of points used in the calculation of the point exchange amount $ P (step S64) is performed, and the process ends.

The settlement means selection processing in step S13 of the sales processing according to the present embodiment includes the settlement means selection processing described in the first embodiment, the settlement means selection processing described in the second embodiment, Any of the settlement means selection processing described in the third embodiment may be used.

Here, the EEP of the multifunctional IC card 16
If the number of points accumulated in the ROM 39 has reached the predetermined number of points, the multifunctional IC card is obtained by subtracting the point exchange amount corresponding to the predetermined number of points from the total sales amount prior to the settlement processing by the settlement execution means. 16 improves the convenience and speed of settlement.

In each of the embodiments, the control program is stored in the HDD 23. However, the present invention is not limited to this. The control program is stored in a storage medium such as an FD or a CD-ROM (both not shown). You may. Note that F
D and CD-ROM are not fixedly provided in the POS terminal 1 and have a form as a replaceable storage medium that can be handled alone, and an FD drive or CD-ROM (not shown)
By using the drive to read out the control program, each process by the microcomputer 17 becomes possible.

Further, in each of the embodiments, the POS terminal 1 is applied as a settlement apparatus. However, the present invention is not limited to this, and one having a settlement function such as a card terminal, a vending machine, a kiosk terminal, an automatic ticket vending machine, etc. Is fine.

Further, in each of the embodiments, the contact type IC card 16 is applied as the multifunctional IC card. However, the present invention is not limited to this, and a non-contact type IC card such as a wireless IC card is applied. You may do it.

Further, the settlement means of the multi-function IC card is the multi-function IC card described in each embodiment.
The present invention is not limited to the combination of each settlement means possessed by the C card, but may be any combination of two or more different settlement means.

[0097]

According to the first aspect of the present invention, there is provided a multi-functional type having a microcomputer and a memory, for transmitting and receiving data corresponding to a plurality of types of settlement means and causing the settlement apparatus to execute a desired settlement process. The IC card is provided with a user desired information storage table for storing in the memory user desired information for selecting one of the settlement means from the respective settlement means, for example, the priority order of each settlement means and each settlement means By storing, in the memory, a settable range that defines the amount that can be settled in the memory as user desired information, it is possible to select a settlement unit in accordance with these priorities and the settable range.

According to the second aspect of the present invention, in the multifunctional IC card according to the first aspect, a point card function of accumulating points in the memory is provided.
An easy-to-use multifunctional IC card can be provided.

According to the third aspect of the present invention, there is provided a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means, wherein a user stored in a memory of a multifunctional IC card is used. User information obtaining means for obtaining user desired information for selecting a desired payment means, and payment selecting means for selecting the payment means based on the user desired information obtained by the user information obtaining means And settlement execution means for executing settlement processing by the settlement means selected by the settlement selection means,
For example, when the priority order of each settlement means and the settlement range defining the amount of money that can be settled by each settlement means are stored in the memory of the multi-function IC card as the user desired information, the priority order and settlement By selecting the most appropriate payment means based on the possible range and executing the payment processing, the multifunctional IC card owner can set the multifunctional IC card in advance without notifying the operator of the payment means. Since the payment processing can be executed according to the intention of the card holder based on the user's desired information, the processing efficiency of the payment processing can be improved.

According to the fourth aspect of the present invention, in a payment apparatus for processing a sales amount by an arbitrary one of a plurality of types of payment means, one payment means is selected from each of the plurality of payment means. Information acquisition means for acquiring from the settlement-side desired information storage table storing the settlement-side desired information, and settlement selection means for selecting the settlement means based on the settlement-side desired information acquired by the information acquisition means;
A settlement execution means for executing a settlement process by the settlement means selected by the settlement selection means, for example, a settlement range defining a priority of each settlement means and an amount which can be settled by each settlement means is settled on the settlement side. In the case where the information is stored in the storage unit as the desired information, the owner of the multi-function type IC card can select the optimal payment means based on these priorities and the payable range, and execute the payment processing, so that Even without notifying the payment means to the operator, it is possible to execute the payment processing according to the intention of the payment side based on the payment side desired information set in advance in the storage unit of the payment apparatus. Improvement can be achieved.

According to the fifth aspect of the present invention, there is provided a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means, wherein a user stored in a memory of a multifunctional IC card is used. User information obtaining means for obtaining user desired information for selecting a desired payment means, and payment side desired information storage for storing payment side desired information for selecting one payment means from the respective payment means. An information acquisition unit acquired from a table, and the settlement side request information acquired by the information acquisition unit is compared with the user desired information acquired by the user information acquisition unit, and the settlement that can satisfy both wishes is performed. Settlement adjustment selecting means for adjusting and selecting the means, and settlement executing means for executing settlement processing by the settlement means selected by the settlement adjustment selecting means. The user's desired information set in advance in the smart IC card is compared with the desired payment side information set in the storage unit of the payment device, and the payment means that can satisfy both wishes is adjusted and selected. By executing the process,
Even if the owner of the multi-function IC card does not notify the operator of the settlement means, the user's desired information set in the multi-function IC card and the settlement-side desired information set in the storage unit of the settlement device can be combined. Since the settlement processing that satisfies both wishes can be executed based on the above, the processing efficiency of the settlement processing can be improved.

According to the invention set forth in claim 6, in the settlement apparatus according to any one of claims 3 to 5, the points stored in the memory of the multi-function IC card have reached a predetermined number of points. In this case, the convenience and speed of settlement by the multifunctional IC card are realized by subtracting a point exchange amount corresponding to a predetermined number of points from the sales amount prior to the settlement processing by the settlement execution means. can do.

According to the seventh aspect of the present invention, there is provided a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means, a microcomputer and a memory, and a plurality of kinds of settlement means. A multi-function IC card that transmits and receives data corresponding to the means and causes the payment apparatus to execute a desired payment process. A user for selecting one payment means from the respective payment means in the payment method using the multi-function IC card. A user desired information storing step of storing desired information in the memory of the multifunctional IC card; and a user information obtaining step of obtaining the user desired information stored in the memory of the multifunctional IC card. A payment selection step of selecting the payment means based on the acquired user desired information, and a payment execution step of performing payment processing by the selected payment means. For example, when the priority order of each settlement means and the settlement range defining the amount that can be settled by each settlement means are stored in the memory of the multi-function IC card as the user desired information, the priority order and settlement By selecting the optimal payment means based on the possible range and executing the payment processing, the multifunctional IC card can be set in advance in the multifunctional IC card without the owner of the multifunctional IC card notifying the operator of the payment means. Since the payment process can be executed according to the cardholder's intention based on the user request information,
The processing efficiency of the settlement process can be improved.

According to the eighth aspect of the present invention, in a settlement method using a settlement apparatus for performing settlement processing of a sales amount by any one of a plurality of kinds of settlement means, one settlement is made from each settlement means. A payment-side desired information storing step of storing the payment-side desired information for selecting the means in a storage unit; an information obtaining step of obtaining the payment-side desired information stored in the storage unit; A settlement selection step of selecting the settlement means based on information; and a settlement execution step of executing settlement processing by the selected settlement means. For example, priority can be set for each settlement means or settlement can be performed by each settlement means. If the settlement range that defines the amount is stored in the storage unit as settlement-side desired information,
By selecting the most suitable payment means based on these priorities and the payment possible range and executing the payment processing, the multifunctional IC card owner can store the payment device without having to notify the operator of the payment means. Since the settlement process can be executed according to the intention of the settlement side based on the settlement-side desired information set in advance in the section, the processing efficiency of the settlement process can be improved.

According to the ninth aspect of the present invention, there is provided a settlement apparatus for performing settlement processing of a sales amount by any one of a plurality of types of settlement means, a microcomputer, and a memory. A multi-function IC card that transmits and receives data corresponding to the means and causes the payment device to execute a desired payment process. The user stored in the memory of the multi-function IC card A user information obtaining step of obtaining desired information; a payment side desired information storing step of storing payment side desired information for selecting one payment means from the respective payment means in a storage unit; An information acquisition step of acquiring the settlement-side desired information, and comparing the acquired settlement-side desired information with the user-desired information, and adjusting and selecting the settlement means capable of satisfying both wishes. A payment adjustment selecting step, and a payment execution step of executing a payment process by the selected payment means. The user preference information set in the multifunctional IC card and the storage section of the payment device are set in advance. The owner of the multifunctional IC card notifies the operator of the payment means by comparing the received payment side desired information, adjusting and selecting a payment means capable of satisfying both wishes, and executing the payment processing. At least, it is possible to execute a payment process that satisfies both of the user's desires based on the user's desired information preset in the multi-function IC card and the payment-side desired information preset in the storage unit of the payment device. Therefore, the processing efficiency of the settlement processing can be improved.

According to the tenth aspect of the present invention, a computer readable program is stored for use in a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means. A storage medium, wherein the program comprises: a user information obtaining function for obtaining user desired information for selecting a settlement means desired by the user stored in a memory of the multifunctional IC card; The computer causes the computer to execute a payment selection function of selecting the payment means based on user desired information and a payment execution function of performing a payment process by the selected payment means. In the case where the settlement range defining the amount that can be settled by each settlement means is stored in the memory of the multifunctional IC card as the user desired information By selecting the most appropriate settlement means based on these priorities and the settlement possible range and executing the settlement processing, the multifunctional IC card owner does not need to notify the operator of the settlement means without having to notify the operator of the settlement means. Since the payment process according to the intention of the card holder can be executed based on the user desired information set in advance on the card, the processing efficiency of the payment process can be improved.

According to the eleventh aspect of the present invention, a program which is used in a settlement apparatus for performing a settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means and which can be read by a computer is stored. A storage medium, wherein the program includes a payment-side desired information storage function of storing payment-side desired information for selecting one payment unit from the payment units in a storage unit, and the storage unit stores the payment-side desired information stored in the storage unit. An information acquisition function for acquiring settlement-side desired information, a settlement selection function for selecting the settlement unit based on the acquired settlement-side desired information, a settlement execution function for executing settlement processing by the selected settlement unit, Is executed by the computer, and for example, the settlement priority range of each settlement means and the settlement possible range that defines the amount that can be settled by each settlement means are recorded as settlement-side desired information. When stored in the section, and select the optimum means of payment based on these priorities and settlement range, by executing the settlement process, multifunctional I
Even if the owner of the C card does not notify the payment means to the operator, the payment processing can be executed according to the intention of the payment side based on the payment side desired information preset in the storage unit of the payment apparatus. The processing efficiency of the settlement process can be improved.

According to the twelfth aspect of the present invention, a program which is used in a settlement apparatus for performing settlement processing of a sales amount by any one of a plurality of kinds of settlement means and which can be read by a computer is stored. A storage medium, wherein the program comprises: a user information acquisition function for acquiring user desired information stored in a memory of a multi-function type IC card for selecting a desired payment means; A payment-side desired information storage function for storing payment-side desired information for selecting one payment means from the means in the storage unit; an information acquisition function for obtaining the payment-side desired information stored in the storage unit; The settlement-side desired information obtained and the user-desired information acquired by the user-information acquiring means are compared, and a decision is made to adjust and select the settlement means that can satisfy both wishes. And selecting the adjustment function, a settlement execution function for executing a settlement process by the selected the payment means,
Is executed by the computer, and the user request information preset in the multi-function IC card is compared with the settlement side request information preset in the storage unit of the settlement device, and the settlement means capable of satisfying both the wishes. Is adjusted and selected, and the payment process is executed, so that the owner of the multifunctional IC card does not notify the operator of the payment means, and the user desired information and the payment set in advance in the multifunctional IC card are settled. Since the settlement process that satisfies both wishes can be executed based on the settlement-side desired information set in advance in the storage unit of the device, the processing efficiency of the settlement process can be improved.

[Brief description of the drawings]

FIG. 1 shows a POS terminal and an IC according to a first embodiment of the present invention.
FIG. 2 is an external perspective view schematically showing a card reader / writer.

FIG. 2 is a plan view showing an arrangement of various keys of a keyboard of the POS terminal.

FIG. 3 is a plan view showing an arrangement of various keys of a keyboard of the IC card reader / writer.

FIG. 4 is a block diagram showing an electrical connection of each unit provided in the POS terminal and the IC card reader / writer.

FIG. 5 is a block diagram showing the electrical connection of each part of the IC card.

FIG. 6 is an explanatory diagram schematically showing a storage area of an EEPROM.

FIG. 7 is an explanatory diagram schematically showing an example of a settlement request information table.

FIG. 8 is a flowchart schematically showing a flow of a sales process.

FIG. 9 is a flowchart schematically showing a flow of a settlement means selection process.

FIG. 10 is an explanatory diagram schematically illustrating an example of a settlement desire information table according to the second embodiment of this invention.

FIG. 11 is a flowchart schematically showing a flow of a settlement means selecting process according to the third embodiment of the present invention.

FIG. 12 is a flowchart schematically showing a flow of an approval process.

FIG. 13 is an explanatory diagram schematically showing a storage area of an EEPROM according to a fourth embodiment of the present invention.

FIG. 14 is a flowchart schematically showing a flow of a sales process.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Payment apparatus 16 Multifunctional IC card 23 Storage part, storage medium 34 Microcomputer 39 Memory T1 User desired information storage table T2 Payment side desired information storage table

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06K 17/00 G06K 17/00 R 5B058 19/07 G07G 1/12 321P 19/00 321L G07G 1/12 321 G06K 19/00 NU F term (reference) 2C005 MA33 MB08 SA04 SA05 SA06 SA23 3E042 AA01 CC02 CC04 CD04 EA01 5B035 AA06 BB09 BC02 CA22 5B049 AA02 CC00 DD04 EE21 FF08 5B055 CB00 KK05 5B058 KA08

Claims (12)

[Claims] 1. A multifunctional IC card having a microcomputer and a memory for transmitting and receiving data corresponding to a plurality of types of payment means and causing a payment apparatus to execute a desired payment process. A multifunctional IC card comprising a user desired information storage table for storing user desired information for selecting the settlement means in the memory. 2. The multifunctional IC card according to claim 1, further comprising a point card function of accumulating points in said memory. 3. A settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means, wherein a user selects a desired settlement means stored in a memory of a multifunctional IC card. Information acquiring means for acquiring user desired information for the user, settlement selecting means for selecting the settlement means based on the user desired information acquired by the user information acquiring means, and selecting by the settlement selecting means A settlement execution means for executing settlement processing by the settlement means. 4. A settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means, wherein settlement-side desired information for selecting one settlement means from each of the settlement means is stored. Information acquisition means for acquiring from the settlement-side desired information storage table; settlement-selection means for selecting the settlement means based on the settlement-side desired information acquired by the information acquisition means; and the settlement selected by the settlement selection means A settlement execution means for executing settlement processing by the means. 5. A settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means, wherein a user selects a desired settlement means stored in a memory of a multifunctional IC card. User information obtaining means for obtaining user desired information for, and information obtaining means for obtaining from a payment side desired information storage table storing payment side desired information for selecting one payment means from each of the payment means. A settlement device that compares the settlement-side desired information acquired by the information acquisition device with the user desired information acquired by the user information acquisition device, and adjusts and selects the settlement device that can satisfy both wishes; A settlement apparatus comprising: an adjustment selection unit; and a settlement execution unit that executes settlement processing by the settlement unit selected by the settlement adjustment selection unit. 6. When the number of points stored in the memory of the multi-function type IC card has reached a predetermined number of points, the sales amount is calculated according to the predetermined number of points prior to the settlement processing by the settlement execution means. The settlement apparatus according to any one of claims 3 to 5, wherein the point exchange amount is reduced. 7. A payment device for performing payment processing of a sales amount by an arbitrary one of a plurality of types of payment means, a microcomputer, and a memory for transmitting and receiving data corresponding to the plurality of types of payment means. And a multi-function IC card that causes the payment device to execute a desired payment process. The multi-function IC card includes: a user-desired information for selecting one payment unit from the payment units; Storing a user desired information stored in the memory of the card; a user information obtaining step of obtaining the user desired information stored in the memory of the multifunctional IC card; and obtaining the obtained user desired information A settlement selecting step of selecting the settlement means based on the settlement method, and a settlement execution step of executing settlement processing by the selected settlement means. 8. A settlement method using a settlement device for performing settlement processing of a sales amount by an arbitrary settlement unit among a plurality of settlement units, wherein a settlement side for selecting one settlement unit from each of the settlement units. A settlement-side desired information storage step of storing desired information in a storage unit; an information acquisition step of acquiring the settlement-side desired information stored in the storage unit; and setting the settlement unit based on the acquired settlement-side desired information. A settlement method comprising: a settlement selection step for selecting; and a settlement execution step for executing settlement processing by the selected settlement means. 9. A settlement device for performing settlement processing of a sales amount by an arbitrary one of a plurality of types of settlement means, a microcomputer, and a memory, for transmitting and receiving data corresponding to the plurality of kinds of settlement means. And a multi-function IC card that causes the payment device to execute a desired payment process. The user information for acquiring the user desired information stored in the memory of the multi-function IC card An acquisition step; a payment-side desired information storage step of storing payment-side desired information for selecting one payment means from the respective payment means in a storage unit; and obtaining the payment-side desired information stored in the storage unit. A payment adjustment selecting step of comparing the obtained payment side desired information with the user desired information, and adjusting and selecting the payment means that can satisfy both the desired information; Settlement method characterized by comprising the settlement execution step of executing a settlement process by-option has been the payment means. 10. A storage medium which is used in a settlement apparatus for performing settlement processing of a sales amount by an arbitrary one of a plurality of kinds of settlement means and stores a computer-readable program, the program comprising: A user information obtaining function for obtaining user desired information for selecting a payment means desired by the user stored in the memory of the multifunctional IC card, and a user information obtaining function based on the obtained user desired information. A storage medium for causing the computer to execute a settlement selection function of selecting a settlement unit and a settlement execution function of executing settlement processing by the selected settlement unit. 11. A storage medium which is used in a settlement apparatus for performing settlement processing of a sales amount by an arbitrary settlement means among a plurality of kinds of settlement means and stores a computer-readable program, wherein the program A payment-side desired information storage function for storing, in a storage unit, payment-side desired information for selecting one payment unit from each of the payment units; and information for acquiring the payment-side desired information stored in the storage unit. A storage medium for causing the computer to execute an acquisition function, a settlement selection function of selecting the settlement unit based on the acquired settlement-side desired information, and a settlement execution function of executing settlement processing by the selected settlement unit. . 12. A storage medium which is used in a payment apparatus for performing payment processing of a sales amount by an arbitrary one of a plurality of types of payment means, and stores a computer-readable program, the program comprising: A user information acquisition function for acquiring user desired information for selecting a desired payment means stored in the memory of the multi-function type IC card; and selecting one payment means from the respective payment means. A payment-side desired information storage function for storing the payment-side desired information for storing in the storage unit; an information acquisition function for obtaining the payment-side desired information stored in the storage unit; A settlement adjustment selection function of comparing the user desired information acquired by the user information acquiring means and adjusting and selecting the settlement means capable of satisfying both wishes; And a settlement function for executing a settlement process by the settlement means.