JP2002133137A - Settlement processing terminal, settlement processing system and settlement processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement processing terminal, a settlement processing system and a settlement processing method enabling settlement using a settlement card in conducting the processing through the settlement processing terminal. SOLUTION: The settlement processing terminal 101 is provided with a card reader for reading information recorded in the settlement card 107 for performing a settlement accompanied by dealing, a record medium reading part for reading image information recorded in a memory card 108, and a communicating part for transmitting the information read from the settlement card 107, the image information read from the memory card 108 and a processing request for the image information read from the memory card 108 through a network 106 to a server 102 of an intermediate processing institution.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment processing terminal, a payment processing system, and a payment processing method suitable for payment of a print order of an image captured by a digital camera.

[0002]

2. Description of the Related Art At present, image data photographed by a digital camera is usually stored in a recording medium called a memory card, a floppy (registered trademark) disk, or a hard disk of a personal computer.

In order to print an image photographed by the digital camera, a user transmits image data to a print service via a personal computer connected to the Internet and performs print processing (Japanese Patent Laid-Open No. 10-7861).
8) has been proposed.

However, users who do not have a personal computer use DP
A method of ordering print processing at an E-store
0-340174, JP-A-10-337856) have been proposed.

[0005]

In the case where print processing is performed by a dedicated payment processing terminal, the payment method has been performed by directly putting cash into the payment processing terminal.

Although it is convenient for the user to be able to make direct payments on the spot, collecting money by putting money directly into the payment processing terminal means that money is put into the payment processing terminal in terms of management. It is necessary to store money and change in advance, and there is a problem that it takes time and effort to maintain the payment processing terminal.

[0007] When ordering prints via the Internet, payment by credit card is also possible. In this case, the card type, card number, name holder, expiration date, etc. described on the credit card are specified. There is a problem that payment must be performed correctly due to an input error or the like.

The present invention has been made in view of the above circumstances,
It is an object of the present invention to provide a payment processing terminal, a payment processing system, and a payment processing method that enable payment using a payment card when performing processing through a payment processing terminal.

[0009]

In order to achieve the above object, a payment processing terminal according to the present invention comprises a payment card reading section for reading information recorded on a payment card for performing a payment accompanying a transaction, and a recording medium. A recording medium reading unit that reads image information recorded in a payment card; an intermediate processing institution that requests processing of the information read from the payment card, the image information read from the recording medium, and the image information read from the recording medium via a network And a communication unit for transmitting to the server.

Further, the processing of the image information read from the recording medium is a print processing of the image information.

[0011] Further, the payment processing system according to the present invention is a payment card reading unit for reading information recorded on a payment card for performing payment accompanying a transaction, which is connected to each other via a network, and a recording card recorded on a recording medium. A recording medium reading unit that reads image information, and transmits to the server of the intermediate processing institution via the network a request for processing the information read from the payment card, the image information read from the recording medium, and the image information read from the recording medium. At least one or more payment processing terminals having a communication unit for performing payment processing, at least one or more servers that perform payment processing based on information recorded on the payment card, and that are used for intermediate processing institutions. At least one or more servers for sorting and transmitting the received information, And at least one server for processing the received image information, wherein the server used for the intermediate processing institution transmits information read from the payment card received from the payment processing terminal to the server of the payment institution. Transmitting the image information read from the recording medium received from the payment processing terminal and a processing request for the image information read from the recording medium to a server of the processing plant, and performing the payment associated with the processing request for the image information. It is performed using a card.

Further, the processing of the image information read from the recording medium performed by the server used in the processing factory is a print processing of the image information.

Further, in the settlement processing method according to the present invention, the settlement processing terminal reads information recorded on a settlement card for performing settlement associated with the transaction, and the settlement processing terminal is recorded on a recording medium. Reading the read image information, and the payment processing terminal sends a processing request for the information read from the payment card, the image information read from the recording medium, and the image information read from the recording medium via a network to an intermediate processing institution. Sending to the server of
A step in which the server of the intermediate processing institution transmits the information read from the payment card to a payment institution via a network, and wherein the server of the intermediate processing institution reads out the image information read from the recording medium and the image information read from the recording medium; Transmitting a processing request for the processed image information to a server of a processing plant via a network, and the server of the processing plant performs image information processing based on the image information read from the recording medium and the image information read from the recording medium. And a step in which the settlement institution server performs settlement using the settlement card in accordance with the processing request for the image information.

Further, the processing of the image information read from the recording medium is a print processing of the image information.

As described above, according to the present invention, in the payment processing terminal, both the information recorded on the payment card and the image information recorded on the recording medium are read, and the payment for the processing of the image information is settled. Since the payment is made based on the information on the card, there is no need to make payment by cash, and the burden of cash management on the payment processing terminal can be reduced.
There is no need to prepare change, and the information recorded on the payment card is transmitted to, for example, a server of a payment institution via a network. Can be omitted.

[0016]

Preferred embodiments of the present invention will be described in detail below with reference to the accompanying drawings. However, the dimensions of the components described in this embodiment,
The materials, shapes, relative arrangements, and the like are not intended to limit the scope of the present invention only to them unless otherwise specified.

In the following drawings, the same members as those described in the above-mentioned drawings are denoted by the same reference numerals. Further, the description of the embodiment of the payment processing system according to the present invention described below also serves as the description of the embodiment of the payment processing terminal and the payment processing method according to the present invention.

First, an overall configuration of an embodiment of a settlement processing system according to the present invention will be described with reference to FIG. FIG. 1 is an overall configuration diagram of an embodiment of a payment processing system according to the present invention.

As shown in FIG. 1, the system of the present embodiment is connected to each other by a network 106.
Payment processing terminal 101, server of intermediate processing institution (server used for intermediate processing institution) 102, server of payment institution (server used for payment institution) 103, server 104 of content company, server of processing factory ( (A server used in a processing factory) 105.

However, the settlement processing terminal 10 shown in FIG.
1. Intermediate processing institution server 102, settlement institution server 1
03, the number of the server 104 of the content company and the number of the server 105 of the processing factory are not limited to one, and may be any number of one or more.

The settlement processing terminal 101 requests the user to save image information, print image information, download information, etc., for image information recorded on the memory card 108 as a recording medium as a constituent element of the present invention. It is a terminal used when doing.

The settlement processing terminal 101 is a memory card 10
In addition to 8, information of a payment card 107 such as a credit card for performing payment is read.

The payment card 107 is generally a credit card, but is not limited to a credit card. For example, a point card, a debit card, an IC card, or the like can be used.

If the information recorded on the card is a credit card, a point card, or a debit card, the card information is stored as magnetic recording information. It is stored as digital information in a memory.

As the memory card 108, for example, a compact flash (CF), a smart media (S
M), a memory stick (MS), a multimedia card, an SD memory card, a PC card (the above is a registered trademark or a trademark), and the like.

The capacity of the memory card 108 is 2 MB, 4 MB, 8 MB, 16 MB, 32 MB,
4 MB, 96 MB and the like are generally used, but a capacity other than these may be used, or a capacity such as several hundred MB may be used.

Of course, the maker, standard and capacity of the data recording medium are not limited to such a case.
Others may be used.

The server 102 of the intermediate processing institution receives the image information, the information and the payment processing request transmitted from the payment processing terminal 101.

Then, the received information is distributed to appropriate servers via the network 106.

Therefore, the intermediate processing institution may be the same as the institution, the institution, the content company, or the processing plant of the settlement processing terminal 101, or may be an independent organization. Is also good.

The settlement institution server 103 performs settlement based on the settlement request transmitted from the intermediate processing institution server 102 and the information recorded on the settlement card.

The content company server 104 downloads the content based on a request for downloading content such as music data, image data, and game data transmitted from the server 102 of the intermediate processing organization.

The server 105 of the processing factory performs, for example, print processing of image information based on the image information transmitted from the server 102 of the intermediate processing organization and the processing request.

Next, the payment processing terminal 101 shown in FIG.
Will be described with reference to FIG. FIG. 2 shows FIG.
1 is an external view of a payment processing terminal 101 shown in FIG.

As shown in FIG. 2, the payment processing terminal 10
1 includes a password input pad 201 for inputting a password and the like, a card reader 202 as a payment card reading unit, which is a constituent element of the present invention, for reading information recorded on the payment card 107, and a memory. An insertion slot 203 as a recording medium reading unit, which is a component of the present invention, for inserting the card 108 and reading image information recorded on the memory card 108, performing various displays and inputting information by a touch panel type And a receipt output port 205 for outputting a receipt 206 on which a result of the reception at the payment processing terminal, a result of the payment processing, and the like are described.

The settlement processing terminal 101 shown in FIG. 2 is connected to the network 106 by wire or wirelessly.

The image information recorded on the memory card 108 may be, for example, image information captured and recorded by the digital camera 207.

Next, the internal structure of the payment processing terminal 101 shown in FIGS. 1 and 2 will be described with reference to FIG.
FIG. 3 is a block diagram of the internal configuration of the payment processing terminal shown in FIGS.

As shown in FIG. 3, the settlement processing terminal
It has a control unit 301 that controls the operation of the entire payment processing terminal.

[0040] Further, it has a recording medium reading unit 302 corresponding to the insertion slot 203, a communication unit 303 for exchanging information between the settlement processing terminal and the external network, and a display unit 304 corresponding to the panel display 204. .

A receipt printing unit 305 for printing and outputting the receipt 206 and a card reader 20
2 has a payment card reading unit 306 and a memory unit 307 for recording various information.

Further, a password input pad 308 corresponding to the password input pad 201 and a power supply 309 for supplying power to the entire payment processing terminal are provided.

Next, the operation of the settlement processing system according to the present invention shown in FIG. 1 will be described with reference to FIGS. FIG. 4 is an operation schematic diagram of the settlement processing system according to the present invention shown in FIG. 1, and FIG. 5 is a flowchart of the operation of the settlement processing system according to the present invention shown in FIG.

A user 407 requesting storage and print processing of image information recorded on a memory card or the like first goes to the store 401 where the payment processing terminal 101 is installed with the memory card.

However, in the following description, the payment processing terminal 1
01 is installed in the store 401, but the present invention is not limited to such a case, and the settlement processing terminal 101 may be installed in a place other than the store 401, or as a store. Is also the DP as shown in FIG.
Not limited to E stores, convenience stores, department stores,
The store may be an arbitrary store such as a home appliance store or a discount store, or a public facility such as a city hall or a library.

Next, the user 407 enters the intermediate processing institution 40
2, an order for image print processing and information download (ordering, hereinafter, an example of image print processing order will be described as an example) and a settlement request for the order are made.

At this time, the order and the order are shown in FIG.
This will be described with reference to FIG. In FIG. 5, the transition of the operation is described based on the screen displayed on the panel display 204 of the payment processing terminal 101.

As shown in FIG. 5, when the user inserts a memory card into the insertion slot 203 of the payment processing terminal 101, a message is displayed on the panel display 204 of the payment processing terminal 101 as in step S501 of FIG. Prompts the user to insert a memory card.

Next, on the panel display 204 of the settlement processing terminal 101, a screen for selecting an image in the memory card (step S502) and a screen for inputting the number of images (step S50)
3) A total charge display screen (step S504) and a payment card selection screen (step S505) are displayed.

The user operates the panel display 204
Select the image and payment method according to the display. here,
It is assumed that a credit card has been selected.

Next, the user inserts a credit card as a payment card into the card reader 202 of the payment processing terminal 101.
The payment card 107 is inserted into (step S506).

The payment card reading unit 306 in the payment processing terminal 101 connected to the card reader 202 reads the magnetic recording information stored in the payment card 107 and sends this information via the communication unit 303 to the intermediate processing institution. To the server 102.

At this time, in addition to the magnetic recording information read by the card reader 202, the password of the payment card determined in advance by the user may be input through the password input pad 201 (step S507).

The above image information, print processing order information,
The intermediate processing institution 402 that has received the payment card information transmits the payment card information of the received information from the server 102 of the intermediate processing institution to the payment institution 4 in order to confirm the credit of the user.
03 to the server 103 to confirm the credit.

If there is no problem with the credit, the print processing order information and the image information are transmitted to the server 105 of the print processing factory 404, assuming that the user's order has been accepted.

The print processing factory 404 determines the delivery date of the print processing for the received order, and transmits information on the delivery date of the image print from the server 105 of the processing factory to the settlement processing terminal 101.

Then, the payment processing terminal 101 displays the delivery date on the panel display 204 of the payment processing terminal 101 (step S508), issues a receipt (step S509), and ends the order receiving operation in the payment processing terminal 101 (step S509). Step S510).

Next, as shown in FIG. 4, the intermediate processing organization 402 makes a print processing request to the processing factory 404 based on the print order request received from the settlement processing terminal 101.

The processing factory 404 performs image information print processing based on a processing request from the intermediate processing institution 402, and sends the completed print to the distribution company 405.

Here, the reason why the processing plant 404 sends the completed print to the distribution company 405 is to simply execute the process of sending the print to the user, and without passing through the distribution company 405, The 404 may send the print directly.

The distribution company 405 sends the received print as a merchandise delivery, for example, to the store 401 where the settlement processing terminal 101 used by the user is installed.

Of course, the distribution company 405 may send the print directly to the user 407, or may send it to another place.

The user 407 receives the print 406 from the store 401.

On the other hand, the intermediate processing institution 402
03, a fee such as a commission and a print processing fee is requested.

The settlement institution 403 is the intermediate processing institution 4
After paying the price for 02, the user 407 is settled by, for example, withdrawing the price from the account.

Here, the order request, settlement request, payment request, processing request, etc. shown in FIG. 4 are performed between the servers via the network 106 as shown in FIG.

As described above, in the present embodiment, the processing from the user's ordering of the print to the receipt of the print is performed in the payment processing terminal 101, and the payment is performed using the payment card such as a credit card. Therefore, the burden of cash management on the payment processing terminal 101 is reduced, and it is not necessary to prepare change or the like in the payment processing terminal 101, and the payment processing can be easily performed by using a payment card.

[0068]

As described above, according to the present invention, both the information recorded on the settlement card and the image information recorded on the recording medium are read from the settlement processing terminal, and the settlement of the processing for the image information is performed. Since the payment processing is performed using the payment card, the burden of cash management on the payment processing terminal can be reduced, and change and the like need not be prepared in the payment processing terminal, and the security for the payment processing terminal can be improved. Because it is possible and payment by payment card,
It is possible to easily execute the settlement.

[Brief description of the drawings]

FIG. 1 is an overall configuration diagram of an embodiment of a payment processing system according to the present invention.

FIG. 2 is an external view of the payment processing terminal shown in FIG.

FIG. 3 is a block diagram of an internal configuration of the payment processing terminal shown in FIGS. 1 and 2;

FIG. 4 is an operation schematic diagram of the settlement processing system according to the present invention shown in FIG. 1;

FIG. 5 is a flowchart of an operation of the settlement processing system according to the present invention shown in FIG. 1;

[Explanation of symbols]

 101 Payment Processing Terminal 102 Intermediate Processing Institution Server 103 Payment Institution Server 104 Content Company Server 105 Processing Plant Server 106 Network 107 Payment Card 108 Memory Card 201 PIN Input Pad 202 Card Reader 203 Insert Port 204 Panel Display 205 Receipt Output Mouth 206 Receipt 207 Digital camera 301 Control unit 302 Recording medium reading unit 303 Communication unit 304 Display unit 305 Receipt printing unit 306 Payment card reading unit 307 Memory unit 308 PIN input pad 309 Power supply 401 Store 402 Intermediate processing organization 403 Payment organization 404 Processing Factory 405 Logistics company 406 Print 407 User

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 422 G06F 17/60 422 G03B 27/46 G03B 27/46 B C G06K 17/00 G06K 17 / 00 L 19/00 19/00 Q (72) Inventor Tadao Suzuki 2-17-17 Akasaka, Minato-ku, Tokyo Digipuri Co., Ltd. F-term (reference) 2H106 BA23 BA95 5B035 AA13 BA09 BC00 5B058 CA01 KA01 KA04 KA06 KA12 KA33 YA01 YA18

Claims (6)

[Claims] 1. A payment card reading unit for reading information recorded on a payment card for performing a payment associated with a transaction; a recording medium reading unit for reading image information recorded on a recording medium; A communication unit for transmitting information, image information read from the recording medium, and a processing request for the image information read from the recording medium to a server of an intermediate processing institution via a network. . 2. The payment processing terminal according to claim 1, wherein the processing of the image information read from the recording medium is a print processing of the image information. 3. A payment card reader for reading information recorded on a payment card for performing payment associated with a transaction, which is connected to each other via a network, and a recording medium reader for reading image information recorded on a recording medium. A communication unit for transmitting information read from the payment card, image information read from the recording medium, and a processing request for image information read from the recording medium to a server of an intermediate processing institution via a network. One or more payment processing terminals, at least one or more servers that are used for a payment institution and perform payment processing based on information recorded on the payment card, and distribute and transmit received information used for an intermediate processing institution And at least one or more servers for processing received image information used in a processing plant. The server used for the intermediate processing institution transmits information read from the payment card received from the payment processing terminal to the server of the payment institution, and receives the information from the payment processing terminal. Transmitting the image information read from the recording medium and a processing request for the image information read from the recording medium to a server of the processing plant, and performing a payment associated with the processing request for the image information using the payment card. Settlement processing system. 4. A process of image information read from a recording medium performed by a server used in the processing plant,
4. The payment processing system according to claim 3, wherein the image information is printed. 5. A step in which a payment processing terminal reads information recorded on a payment card for performing payment associated with a transaction; a step in which the payment processing terminal reads image information recorded on a recording medium; A step in which the payment processing terminal transmits a processing request for the information read from the payment card, the image information read from the recording medium, and the image information read from the recording medium to a server of the intermediate processing institution via a network; A step in which the server of the intermediate processing institution transmits the information read from the payment card to the payment institution via the network; and the server of the intermediate processing institution reads out the image information read from the recording medium and the information read from the recording medium. Transmitting a processing request for image information to a server in a processing plant via a network; A step of performing image information processing based on the image information read from the recording medium and the image information read from the recording medium; and a server of the payment institution uses the payment card to perform payment associated with the processing request for the image information. A settlement processing method comprising the steps of: 6. The payment processing method according to claim 5, wherein the processing of the image information read from the recording medium is a print processing of the image information.