JP2008310457A - Settlement method selection system in settlement terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement method allowing a customer to select a settlement type by reading all of a plurality of settlement types possessed by settlement media. <P>SOLUTION: The plurality of settlement types registered in the settlement media owned by the customer are read; a list of a plurality of read settlement types and sums that can be dealt is displayed on a screen; and the customer selects the plurality of settlement types before starting transactions based on the displayed information. A settlement terminal and a noncontact IC card reader/writer perform the transactions using the settlement media, based on an order selected by the customer. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

The present invention includes a non-contact IC card reader / writer, displays a settlement type on a display unit based on information read by the non-contact IC card reader / writer, is selected by a user at a selection unit, and a selected transaction The present invention relates to a payment terminal that performs payment processing by a method.

In recent years, with the shift to cashless, payment media such as contactless IC cards and mobile terminals with electronic money and credit functions are rapidly spreading. In addition, non-contact IC card reader / writers that can handle various types of payments are becoming popular in stores and the like.

In an electronic money terminal that can support multiple types of electronic money services on a single device,
When selecting an electronic money service that performs payment processing using a payment medium having a plurality of types of electronic money services, only the electronic money service stored in the IC chip of the payment medium can be selected by the selection means. There is provided an electronic money terminal that performs a payment process using an electronic money service selected by (see Patent Document 1).

Also, a payment card processing device has been proposed that automatically selects a payment method based on a plurality of types of payment order recorded in the payment medium and performs payment processing when payment processing is performed with a payment medium having a plurality of payment types. (See Patent Document 2). Information necessary for the settlement media processing apparatus is to be registered in the settlement media using a dedicated apparatus.

JP 2006-301780 A Japanese Patent Laid-Open No. 11-2559577

According to the conventional example, in Patent Document 1, the selectable payment types are limited to electronic money.

Further, in Patent Document 2, since there is no act of selecting a settlement type by a customer at the time of transaction, transaction processing is performed smoothly, but a dedicated terminal for writing the priority order of settlement types in the settlement medium in advance is required. In addition, since the settlement order is fixed unless rewritten by a dedicated terminal, it is difficult to change the settlement type at the time of payment.

The object of the present invention is to process a transaction with a payment medium having a plurality of payment types, so that a customer holding the payment medium can freely select the payment type, and the exchange between the customer and the staff is simplified as much as possible. The purpose is to perform settlement processing smoothly.

In order to solve the above-described problem, the present invention reads a plurality of payment types such as credit, electronic money, and points stored in an IC chip of a payment medium when performing payment processing with the payment medium, and displays the display unit. If you can select the customer in the selection section and the balance is insufficient for one payment type, select multiple payment types for the customer before starting the transaction. It was also possible to select and write the selected payment type and order to the payment media.

By displaying the settlement possible amount as described above, the transaction possible amount for each settlement type can be confirmed at a glance. In addition, the user can select the payment type smoothly by operating the selection unit.

As described above, since the selected payment type and order can be written in the dedicated area of the payment medium, the frequently used payment type is displayed at the top of the display unit,
Easier for customers to select.

The settlement type and settlement available amount stored in the settlement medium can be confirmed at a glance, and a plurality of settlement types possessed by the settlement medium can be selected before the user performs the settlement process.

  The contents of the present invention will be described below with reference to FIGS.

First, FIG. 1 is a configuration diagram of a payment terminal and a non-contact IC card reader / writer, and FIG. 3 is a display example diagram of a settlement type and a possible transaction amount on the display unit of the non-contact IC card reader / writer.
FIG. 4 is a display example of the payment amount, the selected payment type, and the transaction amount on the display unit of the payment terminal. An outline will be described with reference to this figure and a flowchart.

The non-contact IC card reader / writer 100 is connected to the payment terminal 200. Non-contact I
The C card reader / writer is a device that reads from and writes to an IC chip of a contactless payment medium, and includes a selection unit 101, a display unit 102, a reader / writer unit 103, and the like. Also,
The payment terminal is a device that executes various transactions requested by credits, electronic money, points, and the like, and includes a display unit 201, an input unit 202, a printing unit 203, a control unit 204, and the like. The control unit 204 includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program and data, and controls various processes and transactions.

Each part will be described below. First, the payment medium 10 is a general term for a non-contact type IC card or mobile terminal incorporating an IC chip. Payment processing with credit, electronic money, points, etc. can be performed.

The display unit 201 of the payment terminal displays an operation guidance screen when an attendant handles the payment terminal,
This is a mechanism for displaying the operating status of the payment terminal.

The input unit 202 is a mechanism in which an attendant selects a settlement type, selects a business such as “transaction”, “balance inquiry”, and “cancel”, and inputs a transaction amount.

  The printing unit 203 is a mechanism that prints transaction details on a statement slip.

On the other hand, the reader / writer unit 103 of the non-contact IC card reader / writer is a mechanism for reading / writing to a settlement medium held by a customer.

  The display unit 101 is a mechanism for displaying information read by the reader / writer unit 103.

  The selection unit 102 is a mechanism by which a customer selects a payment type.

FIG. 1 is a configuration diagram of a payment terminal and a contactless IC card reader / writer. The IC chip of the payment medium 10 manages information on a plurality of payment types such as credit, electronic money, and points. When the user holds the payment medium over the reader / writer unit 103, the reader / writer unit reads out the registered payment types, inquires the balance of priorities and electronic money, and displays the payment type on the display unit 102. And the amount available for trading.

Next, a transaction flow in the case where a customer performs a transaction at a payment terminal using a payment medium will be described with reference to the drawings. FIG. 2 shows an example of a transaction processing flow at a payment terminal using a payment medium. 3 and 4 are examples of screens displaying information read by the non-contact IC card reader / writer on the display unit. FIG. 3 shows a screen on which the user confirms on the non-contact IC card reader / writer side, and FIG. 4 shows an image of a screen on which the clerk confirms on the settlement terminal side the contents selected by the user.

First, the payment menu is displayed on the display unit 201 of the payment terminal 200. When the clerk selects the “contactless IC card” transaction with the input unit 202 (S11), the control unit 20 of the payment terminal is selected.
4 displays an instruction screen for holding the payment medium on the display unit 201 and the display unit 102 of the non-contact IC card reader / writer 100, and also displays the payment medium 10 on the reader / writer unit 103.
Command to read. When the user holds the payment medium 10 over the reader / writer unit 103,
The reader / writer unit reads the settlement type and various information registered from the IC chip of the settlement medium 10 (S12), and the settlement unit control unit 204 displays the display unit 102 of the contactless IC card reader / writer and the display unit of the settlement terminal. In 201, the payment amount, the settlement type selected by the user and the transaction amount are displayed (S13) (FIG. 3) (FIG. 4). The display order on the display unit 102 at this time is the order of priority of the types of payment registered in the payment medium. For example, “credit A” “credit B” “electronic money A” “electronic money B”, etc. Various payment types registered in the held payment medium 10 and the respective transaction possible amounts are displayed.

Next, when the user determines a settlement means to trade from among the settlement types that can be traded by pressing the button of the selection unit 101 (S14), the selection unit 101 detects the selection and selects the information selected. The control unit 204 of the payment terminal is notified, and the control unit 204 calculates whether the transaction possible amount has reached the payment amount (S15), and the payment type selected by the display unit 201 of the payment terminal and the payment type Display payment amount. When the result calculated in S15 has not reached the payment amount,
The processes from S14 to S15 are repeated until the payment amount is reached. Further, the display unit 201 displays all of the selected payment type and the payment amount for the payment type.

Subsequently, the control unit 204 displays an instruction screen for holding the payment medium over the display unit 102 and the display unit 201, and the control unit 204 instructs the reader / writer unit 103 to specify the type of payment according to the priority order and to instruct the payment medium to be read. put out. The reader / writer unit 103 waits in a state of waiting for the settlement medium. Next, when the user holds the payment medium, the reader / writer unit 103 performs a transaction for the amount instructed by the control unit 204 (S16). If multiple payment types are specified, the processing from S16 to S17 is repeated. The control unit 204 issues a write instruction to the payment medium with the transaction order of the payment type designated this time as a priority order to the reader / writer unit 103, and the reader / writer unit writes the payment type and priority order to the payment medium 10 (S18). )
. Finally, the control unit 204 provides support for printing the statement slip to the printing unit 203.

Here, the payment terminal and the non-contact IC card reader / writer are separate devices, but these two devices may be integrated. Further, not only contactless payment media but also payment types possessed by contact payment media can be added to payment types that a user can select.

The block diagram of a payment terminal and a non-contact IC card reader / writer. The flowchart at the time of non-contact IC card payment. An example of a display of a non-contact IC card reader / writer display unit. A display example of a payment terminal display unit.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... Payment media, 100 ... Non-contact IC card reader / writer, 101 ... Selection part (non-contact IC card reader / writer), 102 ... Display part (non-contact IC card reader / writer), 10
DESCRIPTION OF SYMBOLS 3 ... Reader / writer part (non-contact IC card reader / writer), 200 ... Payment terminal, 201 ... Display part (settlement terminal), 202 ... Input part (settlement terminal), 203 ... Printing part (settlement terminal), 204
... control unit (payment terminal).

Claims (4)

A card reader / writer that reads payment media with multiple payment types, a display that displays information read by the card reader / writer, and a selection that selects payment types from multiple payment types read by the card reader / writer A non-contact IC card reader / writer mainly on the payment media customer side, a display unit for displaying the non-contact IC card reader / writer, guidance for attendants, etc., and printing for receipt printing A plurality of selectable payment types and transactable amounts read from the payment medium are displayed on the display surface of the display unit of the non-contact IC card reader / writer, A payment terminal that allows the user to select the desired payment type and perform payment processing with the selected payment type. 2. When a balance shortage occurs in one settlement type with reference to the transaction possible amount, the customer is allowed to select a plurality of types of settlement before performing settlement processing, and the settlement processing is performed in the selected order.
The payment terminal described. The payment terminal according to claim 1, wherein when a plurality of payment types are read from the payment medium, the priority of the payment types selected by the user can be written in a dedicated area of the payment media by a non-contact IC card reader / writer. The payment terminal according to claim 1, wherein when a plurality of payment types are read from the payment medium, the payment types are displayed on a display unit of the non-contact IC card reader / writer according to the priority order registered in the payment medium.

Images