JP2006268424A - Settlement system and settlement terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement system and a settlement terminal, capable of outputting image information having a large information amount onto a slip as an advertisement for sales promotion. <P>SOLUTION: This settlement system 1 having a host 30 and the settlement terminal 10 has: a telegram transmission/reception part 12 exchanging telegrams with the host 30; a storage part 13 storing a plurality of pieces of the image information each including a character; a control pat 11 reading the designated image information from the storage part 13 on the basis of image information designation information included in the telegram received from the host 30, and transmitting it to a printing part 14; and the printing part 14 printing the image information transmitted from the control part 11 on the slip 40. The host 30 transmits the telegram including the image information designation information for designating specific image information from the plurality of pieces of the image information stored in the storage part 13 of the settlement terminal 10 to the settlement terminal 10. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a payment system and a payment terminal for outputting additional information in a credit payment process.

  Generally, a payment system entrusts computer management work to a payment terminal installed in a store, a card processing center that provides information necessary for credit payment processing through a network such as a payment terminal and a communication line, and the card processing center. Consists of a card company.

  Note that the card company has signed a contract with the store regarding the installation of a payment terminal, and has installed a payment terminal at the store.

In the settlement process, information on purchased goods, amount, etc. is printed on a slip and presented to the customer, and the store keeps a copy. A method of printing an advertisement for sales promotion on this slip and collecting an advertisement fee is disclosed (for example, Patent Document 1).
JP 2003-150849 A

  However, in the conventional configuration, the advertisement is expressed by a character code. In the case of character codes, although there is a merit that the amount of information is small and the data transfer time is short, the appeal to customers is inferior.

  The communication speed of the network has been dramatically improved, and even if image information with a large amount of information is transmitted, it is completed within a reasonable time. In addition, the information storage capacity of the payment terminal has been improved, and it has become possible to store a large amount of image information in the apparatus and search and display it according to customer conditions.

  An object of the present invention is to provide a settlement system and a settlement terminal capable of outputting image information with a large amount of information as an advertisement for sales promotion on a voucher.

  In order to achieve the above object, a payment system of the present invention is a payment system comprising a host and a payment terminal, wherein the payment terminal exchanges a message transmission / reception unit for exchanging messages with the host, and image information including characters. A plurality of storage units, a control unit that reads image information specified based on image information designation information included in a message received from the host, and transmits the image information to the printing unit; and the control unit that is transmitted from the control unit A printing unit that prints image information on a voucher, and the host settles the message including image information designation information that designates specific image information from among a plurality of image information stored in the storage unit of the settlement terminal. Send to the terminal.

  According to this configuration, the payment terminal can print the image information designated by the host on the slip.

  In the payment system of the present invention, the host specifies image information based on the personal information of the individual to be processed for payment received from the payment terminal.

  According to this configuration, the host can print on the slip the image information that seems to be optimal for the individual (hereinafter referred to as a customer) to be processed for payment.

  In the payment system of the present invention, the host specifies the image information based on the location information received from the payment terminal where the payment terminal is installed.

  According to this configuration, the host can print image information that seems to be optimal for the place where the payment terminal is installed on the slip by the payment terminal.

  In addition, the payment system of the present invention can change or delete image information stored in the storage unit of the payment terminal or delete new image information by a device connected to the payment terminal via a communication line such as a host. Add.

  According to this configuration, the device connected to the payment terminal can change or delete the image information stored in the storage unit of the payment terminal and add new image information.

  In the payment system of the present invention, the image information stored in the storage unit of the payment terminal has an identification number, and the payment terminal hosts all the identification numbers of the image information stored in the storage unit. The host designates an identification number included in the image information designated from all the identification numbers received from the settlement terminal, and transmits this identification number to the settlement terminal as image information designation information.

  According to this configuration, the host can select the image information to be printed from the image information stored in the storage unit of the payment terminal and notify the payment terminal. Further, since the payment terminal stores image information in the storage unit in advance and receives the identification number of the image information at the time of printing, the communication time between the host and the payment terminal can be shortened, and the waiting time of the customer can be shortened.

  The payment terminal of the present invention is specified based on a message transmission / reception unit for exchanging messages with the host, a storage unit for storing a plurality of image information including characters, and image information designation information included in a message received from the host. A control unit that reads out the image information from the storage unit and transmits the image information to the printing unit, and a printing unit that prints the image information transmitted from the control unit on a slip.

  According to this configuration, the payment terminal can print the image information designated by the host on the slip.

  The settlement terminal of the present invention reads a message transmission / reception unit for exchanging messages with the host, a storage unit for storing at least one image information including characters, and all image information stored in the storage unit. A control unit that transmits the image information transmitted from the control unit to a slip.

  According to this configuration, the payment terminal can read and print the character information for managing the image information and all the image information stored in the storage unit as part of the maintenance function.

  In addition, the payment terminal of the present invention can change or delete image information stored in the storage unit of the payment terminal or delete new image information by a device connected to the payment terminal via a communication line such as a host. Add.

  According to this configuration, the payment terminal can accept change or deletion of image information stored in the storage unit of the payment terminal or addition of new image information from a device connected via a communication line.

  As described above, according to the present invention, it is possible to provide a payment system and a payment terminal that can output image information with a large amount of information as an advertisement for sales promotion on a slip.

(Embodiment 1)
Hereinafter, Embodiment 1 of the present invention will be described with reference to FIGS.

  FIG. 1 is a diagram showing the configuration of the settlement system of the present invention.

  In FIG. 1, 1 is a payment system, 10 is a payment terminal for executing payment processing, 20 is a communication line for transmitting and receiving data between the payment terminal 10 and the host 30, and 30 is information necessary for payment processing in the payment terminal 10. A host that provides

  FIG. 2 is a diagram showing the configuration of the settlement terminal of the present invention.

  In FIG. 2, 10 is a payment terminal, 11 is a control unit for controlling the entire payment terminal 10, 12 is a message transmission / reception unit connected to the communication line 20 and exchanges messages with the host 30, and 13 is an image including characters. A storage unit for storing a plurality of information; 14 a printing unit for printing image information transmitted from the control unit 11 on a slip; 15 a display unit for displaying an operating state of the apparatus and operation guidance; and 16 for operating the payment terminal 10. The key input unit integrated with the purchase unit information input unit for inputting the price, the number of purchases, and the type of the purchase item, and 17 is owned by the customer and is used for authentication in the settlement process A card reading unit that reads a payment card that provides information necessary for processing. The payment card provides at least a customer identification number that uniquely identifies the customer.

  The configuration of the storage unit 13 will be described in detail with reference to FIG.

  FIG. 3 is a diagram showing the configuration of the host of the present invention.

  In FIG. 3, 30 is a host, 31 is a control unit for controlling the entire host 30, 32 is a message transmission / reception unit that is connected to the communication line 20 and exchanges messages with the payment terminal 10, and 33 is image information including characters. A storage unit for storing a plurality of information, a display unit for displaying the operating state of the apparatus and operation guidance, and a key input unit for operating the host 30.

  The configuration of the storage unit 33 will be described in detail with reference to FIG.

  FIG. 4 is a diagram illustrating a configuration of the storage unit 13 of the payment terminal 10.

  4A is an image information identification number table that stores an image information identification number that uniquely identifies image information. FIG. 4B is an image information table that stores image information, and the address of the image information identification number table. And the address of the image information table correspond to each other. That is, the image information at address n in the image information identification number table is stored at address n in the image information table.

  When receiving the image information update request message shown in FIG. 5, the payment terminal 10 changes or deletes the image information identification number table and the image information table, and adds new image information.

  FIG. 5 is a diagram showing a configuration of a message related to the image information update process.

  FIG. 5A shows a message used when changing and adding new image information in the image information update request message, and sets the image information identification number and the image information to be changed or added and changed or added as the business type. To send.

  FIG. 5B is a message used for deletion of the image information update request message, and is transmitted as a set of image information identification numbers to be deleted and deleted as a business type.

  FIG. 5C shows an image information update result message, which is transmitted as a set of image information identification numbers that have been changed, added, or deleted as a business type and processed.

  FIG. 5D shows an authentication request message in the settlement process. The customer identification number read from the customer card as the authentication request information, the price, the number of purchases, and the type of purchase purchased by the customer, and the image shown in FIG. A set of information identification number tables is transmitted.

  FIG. 5E shows an authentication result message in the payment process. When the authentication result in the host 30 and the authentication result can be settled, the image information identification number of the image information to be printed on the slip is sent as a set.

  FIG. 6 is a diagram illustrating a configuration of the storage unit 33 of the host 30.

  6A is an image information identification number table that stores an image information identification number for uniquely identifying image information, and FIG. 6B is an image information table that stores image information.

  FIG. 6C is a personal information table for storing customer personal information and an image information identification number linked to the personal information. The personal information includes customer identification number + gender, date of birth, or occupation.

  FIG. 6D is a location information table that stores location information of a payment terminal and an image information identification number linked to the location information. The location information is configured by a payment terminal identification number + location information.

  FIG. 6E is a settlement terminal identification number table that stores settlement terminal identification numbers and location information.

  FIG. 6F is a customer identification number table that stores customer personal information, and defines gender, date of birth, and occupation as personal information.

  Next, settlement processing will be described.

  FIG. 7 is a flowchart of the payment process.

  First, processing on the payment terminal 10 side will be described. Note that the storage unit 13 of the payment terminal 10 stores a payment terminal identification number, N pieces of image information, and image information identification numbers of the payment terminal 10 in advance.

  A case where a customer purchases a music CD will be described as an example.

  When the customer presents the music CD and the settlement card to the store clerk, when the store clerk instructs the start of the settlement process from the operation unit of the key input unit 16, the settlement terminal 10 starts the settlement process (S010).

  When the store clerk inputs the price (¥ 2,000), the number of purchases (one), and the type (music CD) of the purchased item through the purchased item information input unit of the key input unit 16, the payment terminal 10 inputs the purchased item. Price (¥ 2,000), the number of purchases (one), and the type (music CD) are stored in the storage unit 13 (S020).

  When the clerk requests the customer to read the payment card and the customer causes the card reading unit 17 to read the payment card, the payment terminal 10 stores the input card information, for example, information including at least the customer identification number. Store in the unit 13 (S030).

  The payment terminal 10 includes the payment terminal identification number, the input customer identification number, the price of the purchased item (¥ 2,000), the number of purchases (one), the type (music CD), and the image information of FIG. The identification number table is read from the storage unit 13, edited as the authentication request message in FIG. 5D and transmitted to the host 30 (S 040).

  The settlement terminal 10 receives the authentication result message of FIG. The authentication result message is set with the image information identification number of the image information to be printed on the slip when the authentication result and the authentication result can be settled. When the settlement is possible, the image information identification number is printed in the storage unit 13. The image information identification number is stored in the storage area (S050).

  The settlement terminal 10 displays the authentication result on the display unit 15 (S060).

  The settlement terminal 10 stores the input customer identification number, the price of the purchased item (¥ 2,000), the number of purchases (one), the type (music CD), and the image information identification number for printing. The image information identification number is searched from the image information identification number table of FIG. 4A, the address of the image information identification number table is determined, and the image information from the image information table of FIG. 4B corresponding to the address is determined. Is edited as a slip and output to the printing unit 14.

  FIG. 9 is a diagram showing a print example of a slip.

  9, 40 is a slip, 41 is a header portion of the slip 40, 42 is a purchase information portion of the slip 40, 43 is an advertisement portion of the slip 40, the header portion 41 is store information, the type of slip, etc. The information to be printed is fixedly stored in the storage unit 13 of the payment terminal 10. The purchase information part 42 is information indicating a signature and a customer purchase information part. The advertising unit 43 is an advertisement presented to the customer by the card company or the store, receives the image information identification number as a part of the authentication result message of FIG. 5E from the host 30, and corresponds to the image information identification number Image information is read from the storage unit 13 and printed.

  For example, a record company contracts with a card company to print an advertisement of the record company, the record company's advertisement is stored in the card company's host 30, and the record company designates by gender, date of birth (age) or occupation. Records company advertisements can be printed on vouchers in the area where customers and payment terminals are installed.

  Next, processing of the host 30 will be described.

  It is assumed that M pieces of image information and image information identification numbers are stored in the storage unit 33 of the host 30 in advance.

  Further, a personal information table indicating the designation of the image information identification number based on the personal information in FIG. 6C and a location information table indicating the designation of the image information identification number based on the location information of the settlement terminal in FIG. 6D are stored. The image information identification number is defined based on the personal information of the customer and the location information of the payment terminal.

  Also, a payment terminal identification number table for storing the payment terminal identification number and location information in FIG. 6 (e), and a customer identification number table for storing the personal information of the customer in FIG. 6 (f) are stored. M, such as sex, date of birth, and occupation, are defined as location information and customer personal information.

  The operator of the host 30 activates the host 30 and sets a specification standard for image information using the key input unit 36 (S110). The image information designation criteria include personal information priority and payment terminal location information priority. Note that the specification criteria for the image information are not limited to the above-described embodiment, and may be added.

  When receiving the authentication request message from the payment terminal 10, the host 30 confirms the authentication request information and determines whether payment is possible or not (S120). In the present embodiment, only settlement is explained.

  The host 30 selects an image information identification number of the image information based on the image information designation criteria (S130). If the personal information has priority, the personal information table of FIG. 6C is referred to from the customer identification number of the authentication request message, and the image information identification number of the selected image information is acquired. If the location information of the settlement terminal is given priority, the settlement terminal identification number table of the authentication request message is referred to the settlement terminal identification number table in FIG. 6 to obtain the settlement terminal location information. With reference to the location information table of (d), the image information identification number of the selected image information is acquired.

  The host 30 edits the authentication result and the image information identification number selected in S130 as an authentication result message, and transmits it to the settlement terminal 10 (S140).

  The host 30 stores the authentication result of the settlement process in the storage unit 33 (S150).

  The host 30 may return to S120 after S150 and perform a continuous process such as waiting for reception of the next authentication request message.

  The operator of the host 30 ends the authentication process of the host 30 (S160).

  As described above, the payment terminal 10 can print the image information designated by the host 30 on the slip.

  In addition, the host 30 can print image information that seems to be optimal on a slip using a payment terminal based on personal information such as the sex, date of birth (age), and occupation of the customer.

  Further, the host 30 can print image information that seems to be optimal based on the place where the payment terminal is installed on the slip by the payment terminal.

  For example, in the case of the Japanese series of professional baseball, it is possible to respond appropriately to the region, such as image information of the winning team in the area of the winning team and image information of gratitude for support in the area of the losing team. It is.

  Further, since the image information identification number is exchanged between the payment terminal 10 and the host 30 during the payment process, the communication amount and the processing time can be reduced as compared with the case where the image information is downloaded and printed during the payment process. .

  As a result, no extra waiting time for the customer is generated.

(Embodiment 2)
Next, changing or deleting image information and adding new image information will be described.

  1 to 6 are the same as those in the first embodiment of the present invention, and thus the description thereof is omitted.

  FIG. 8 is a diagram showing a flowchart of image information update.

  First, the processing of the host 30 will be described.

  It is assumed that M pieces of image information and image information identification numbers are stored in advance in the storage unit 33 of the host 30 as shown in FIGS.

  The operator of the host 30 activates the host 30 and starts an image information update process by the key input unit 36 (S210).

  The host 30 selects the image information and the image information identification number to be transmitted to the settlement terminal 10 from the M pieces of image information and the image information identification number in FIGS. 6A and 6B (S220).

  Note that the selection criterion is based on the validity period, the location where the payment terminal 10 is installed, and the like.

  If changed or added, the host 30 edits the image information update request message in FIG. 5A, and if deleted, edits the image information update request message in FIG. 5B and sends it to the payment terminal 10 (S230). ).

  The host 30 receives the image information update result message of FIG. 5C as a result of change, addition or deletion (S240).

  The host 30 stores the change, addition, or deletion result in the storage unit 33 (S250).

  The operator of the host 30 ends the image information update process using the key input unit 36 (S260).

  In this embodiment, a method of transmitting to one settlement terminal 10 is described. However, after S250, the process may return to S220 and proceed to processing of the next settlement terminal 10.

  There are tens of thousands of payment terminals 10 to be subjected to the image information update processing in Japan alone, and it is common to carry out the processing in several days by night processing.

  Next, processing on the payment terminal 10 side will be described. Note that the storage unit 13 of the payment terminal 10 stores a payment terminal identification number, N pieces of image information, and image information identification numbers of the payment terminal 10 in advance.

  In the present embodiment, a method will be described that is performed by night processing after the store sales are completed.

  The store clerk keeps the payment terminal 10 powered on even after the end of business, and makes the image information update request message receivable (S310).

  The settlement terminal 10 receives the image information update request message (S320).

  The settlement terminal 10 invalidates the key input so that it becomes invalid even if operated by a store clerk during the image information update process, and displays “image information update process in progress” on the display unit 15 (S330).

  The payment terminal 10 updates the image information (S340).

  If the image information update request message is changed, the settlement terminal 10 searches from the image information identification number table of FIG. 4A and determines the address of the image information identification number table. Further, the image information in the image information table in FIG. 4B corresponding to the address is overwritten with the image information received earlier.

  If the image information update request message is added, the payment terminal 10 adds the image information update request message to the head of the image information identification number table in FIG. 4A and the image information table in FIG.

  If the image information update request message is deleted, the settlement terminal 10 searches from the image information identification number table in FIG. 4A and determines the address of the image information identification number table. Further, the image information in the image information identification number table in FIG. 4A corresponding to the address and the image information in the image information table in FIG. 4B are deleted, and the addresses after the address are shifted upward.

  The settlement terminal 10 edits and transmits the image information update result message of FIG. 5C as a result of the change, addition or deletion (S350).

  The settlement terminal 10 validates the key input and displays “image information updated” on the display unit 15 (S360).

  The store clerk confirms the guidance on the display unit 15, confirms that the previous day's image information maintenance processing has been completed normally, and proceeds to the settlement processing for that day (S370).

  As a method for confirming the result of the image information update, a function for printing the image information identification number table in FIG. 4A and the image information table in FIG. May be.

  A plurality of image information identification numbers and image information may be set in the image information update result message.

  As described above, a device connected to the payment terminal 10, for example, the host 30, can change or delete image information stored in the storage unit 13 of the payment terminal 10 or add new image information.

  Further, the settlement terminal 10 can actually print the result of changing or deleting image information or adding new image information in a part of the maintenance function.

  For example, in the case of the Japanese series of professional baseball, the date on which the victory is decided must be the same day. It is difficult to distribute image information to tens of thousands of payment terminals all at once after winning. By distributing several patterns of image information in advance and appropriately changing the image information identification number, it is possible to flexibly cope with it.

  The settlement system and the settlement terminal of the present invention can output image information with a large amount of information as an advertisement for sales promotion on a slip, and can flexibly handle even when the application date of the image information is uncertain. Useful for terminals.

The figure which shows the structure of the payment system of this invention. The figure which shows the structure of the payment terminal of this invention The figure which shows the structure of the host of this invention The figure which shows the structure of the memory | storage part of the payment terminal of this invention. The figure which shows the structure of the message | telegram regarding the image information update process of this invention The figure which shows the structure of the memory | storage part of the host of this invention Flowchart of settlement processing of the present invention Flowchart of image information update of the present invention The figure which shows the example of printing of the voucher of this invention

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Payment system 10 Payment terminal 11 Control part of payment terminal 12 Message transmission / reception part of payment terminal 13 Storage part of payment terminal 14 Printing part of payment terminal 15 Display part of payment terminal 16 Key input part of payment terminal 17 Card reading of payment terminal Unit 20 Communication line 30 Host 31 Host control unit 32 Host message transmission / reception unit 33 Host storage unit 35 Host display unit 36 Host key input unit 40 Voucher 41 Voucher header portion 42 Voucher purchase information portion 43 Voucher advertisement Part

Claims (8)

A payment system including a host and a payment terminal, wherein the payment terminal includes a message transmission / reception unit for exchanging messages with the host, a storage unit for storing a plurality of image information including characters, and a message received from the host A control unit that reads image information designated based on image information designation information from the storage unit and transmits the image information to a printing unit; and a printing unit that prints the image information transmitted from the control unit on a slip; Is a payment system that transmits to the payment terminal a message including image information specifying information for specifying specific image information from among a plurality of image information stored in the storage unit of the payment terminal. The payment system according to claim 1, wherein the host specifies image information based on personal information of an individual to be processed for payment received from a payment terminal. The payment system according to claim 1, wherein the host specifies image information based on location information where the payment terminal is installed, which is received from the payment terminal. The apparatus connected to the payment terminal via a communication line such as a host changes or deletes image information stored in the storage unit of the payment terminal or adds new image information. The payment system according to any one of the above. The image information stored in the storage unit of the payment terminal has an identification number, and the payment terminal transmits all the identification numbers included in the image information stored in the storage unit to the host. The settlement according to any one of claims 1 to 4, wherein an identification number included in image information to be designated is designated from among all identification numbers received from a terminal, and the identification number is transmitted to the settlement terminal as image information designation information. system. A message transmission / reception unit for exchanging messages with the host, a storage unit for storing a plurality of image information including characters, and image information specified based on image information specification information included in a message received from the host is read from the storage unit. A settlement terminal comprising: a control unit that transmits the information to the printing unit; and a printing unit that prints image information transmitted from the control unit on a slip. A message transmission / reception unit for exchanging messages with the host, a storage unit for storing at least one image information including characters, and a control unit for reading all image information stored in the storage unit and transmitting the image information to the printing unit A payment terminal comprising: a printing unit that prints image information transmitted from the control unit on a slip. 8. A device connected to a payment terminal via a communication line such as a host changes or deletes image information stored in the storage unit of the payment terminal or adds new image information. Payment terminal.

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