JP2009032036A - Electronic money terminal, and method and system for canceling settlement - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To perform canceling of a settlement using electronic money in a terminal other than a terminal through which the settlement is performed. <P>SOLUTION: When the settlement is canceled, information for a sale related to the settlement is read from a receipt issued at the time of settlement for a canceling object, and sales information stored at the time of settlement is retrieved with the read information for the sale related to the settlement. When the retrieval of sales information is successful, settlement canceling is executed, and when the retrieval of sales information is not successful, settlement canceling in other electronic money terminals is requested to the other electronic money terminal having sales information corresponding to the information for the sales related to the settlement, and settlement canceling in the own electronic money terminal is executed upon receipt of a completion report of settlement canceling in the other electronic money terminal. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an electronic money terminal that handles electronic money using a portable device such as a non-contact IC card (hereinafter simply referred to as an IC card) as an electronic wallet, a settlement cancellation method in the electronic money terminal, and the electronic The present invention relates to an electronic money terminal system using a money terminal.

  An electronic money terminal (referred to as a contactless IC card payment terminal, payment terminal or terminal) linked with a host controller (hereinafter also referred to as a master station) such as a POS register and a card control unit (hereinafter also referred to as a slave station). In some cases, the master station manages merchandise sales information such as each register, and the slave station manages the transaction details of the card.

  When purchasing goods or services using an IC card, first, a payment instruction is transmitted from the master station to the slave station, and the slave station that receives it sends the IC card held by the customer through a reader / writer for a non-contact IC card The corresponding usage amount is deducted from the transaction, the transaction details are stored in a storage device provided in the slave station, and the settlement result is notified to the master station.

The master station receives the settlement result from the slave station, stores the sales information from the contents in a storage device provided in the master station, and finally delivers the product or service to the customer.
The usage amount is collected from the IC card user based on the detailed information stored in the slave station. That is, the slave station and the center server held by the IC card provider are regularly connected, and the IC card provider collects usage charges from the IC card user based on the detailed information held by the slave station.

  Therefore, when canceling a transaction once settled by returning a product purchased with an IC card, it is necessary to cancel both the product sales information of the master station and the transaction details of the slave card. It has been common practice to cancel at a contact IC card payment terminal (a set of a master station and a slave station).

  When a product purchased with an IC card is returned at a store with multiple contactless IC card payment terminals such as a mass retailer, it must be returned at the purchased terminal even though other terminals can be used. Inconvenienced the person. For example, there is an inconvenience that a user who does not know the circumstances applies for a return to a terminal that is not a purchased terminal, is rejected, and must reapply for a purchased terminal.

  Since it is inconvenient and inconvenient if cancellation cannot be performed unless the terminal is the same as the terminal purchased in this way, as described in Patent Document 1 below, transaction is performed by managing the cancellation on the center side. It has been proposed to enable a transaction cancellation operation from a terminal other than the terminal that performed the transaction.

In Patent Document 1, each POS terminal transmits data from a transaction generated at its own terminal to the store server, means for instructing the store server to cancel the transaction generated at another POS terminal, and transmits from the store server. There is described a POS system which has means for executing a cancellation instruction of a terminal transaction to be executed, and the store server transmits a cancellation instruction of a transaction transmitted from other than the POS terminal where the transaction has occurred to the POS terminal where the transaction has occurred. Yes.
JP 2002-230649 A

  According to the method disclosed in Patent Document 1, it is possible to cancel a transaction from a terminal other than the terminal that performed the transaction. However, the POS system described in Patent Document 1 is for cash settlement, and it is possible to store transaction settlement data in a store server. However, in a POS system using electronic money, Transaction settlement data is transmitted to a center server held by an IC card provider that issues electronic money, and is not allowed to be stored in a POS system in a store after transmission. Therefore, in a POS system using electronic money, revocation management cannot be performed by the store server.

  Accordingly, an object of the present invention is to provide a settlement cancellation control method and system that enables cancellation of settlement even at a terminal other than a terminal that has settled using electronic money.

  The electronic money terminal of the present invention stores sales information related to payment and issues a receipt on which information about sales related to payment is printed. When the settlement is canceled, the information about the sales related to the settlement is read from the receipt issued at the time of the settlement to be canceled, and the sales information stored at the time of settlement is searched by the information about the sales related to the settlement. If the sales information can be searched, the settlement cancellation is executed. If the sales information cannot be searched, the other electronic money terminal has sales information corresponding to the sales information related to the payment. When requesting payment cancellation at the terminal and receiving notification of completion of payment cancellation at the other electronic money terminal, the payment cancellation at the own electronic money terminal is executed.

The electronic money terminal system of the present invention is such that the electronic money terminal is connected to a network via a server, and makes a payment cancellation request between the electronic money terminals via the server. Means for receiving a request for cancellation of payment in another electronic money terminal having sales information corresponding to information on sales related to the payment of
Means for notifying the other electronic money terminal of the received request to cancel the settlement at the other electronic money terminal;

  According to the present invention, cancellation of payment can be made from any electronic money terminal on the same open network without being lined up with the same electronic money terminal that has made payment, thereby improving convenience for the user. Can do.

  FIG. 1 is a diagram showing a system configuration example according to an embodiment of the present invention. Each electronic money terminal 10 is connected via a server 90 via a network 20 such as a LAN. It is assumed that each electronic money terminal 10 notifies the server 90 of information indicating that its own terminal can communicate when it is activated. Hereinafter, the electronic money terminal 10 is simply referred to as a terminal 10.

FIG. 2 is a diagram illustrating a configuration example of the terminal 10 according to an embodiment of the present invention.
In the example shown in FIG. 2, the terminal 10 is composed of a master station 30 connected to the network 20 side and a slave station 40 connected to the center server 70 side via an external network 60 and having a read / write function of the contactless IC card 50. The

The master station 30 includes a master control unit 31, a network control unit 32 for terminal, a storage device 33, and a communication control unit 34 for slave station.
The slave station 40 includes a main control unit 41, a communication control unit 42 for the sensor, a storage device 43, a communication control unit 44 for the master station, a communication control unit 45 for the IC card 50, and a reader / writer (hereinafter referred to as a “reader / writer”). , R / W.) 46.

As can be seen from the configuration of the slave station 40, the slave station 40 has a function related to the handling of electronic money, and the master station 30 is a part having a function for a conventional POS.
Of course, it is not essential that the payment terminal for electronic money is composed of a master station and a slave station each having a main control unit, and the terminal configuration shown in FIG. 2 is merely an example.

  FIG. 3 is a diagram showing a sequence flow of settlement processing in the terminal illustrated in FIG. The flow on the master station 30 side is executed by the main control unit 31 of the master station 30, and the flow on the slave station 40 side is executed by the master control unit 41 of the slave station 40. The settlement process itself can use the conventional settlement process as it is.

When the transaction is started, the main station 30 reads product information such as a price using a bar code reader (not shown) as shown in step S331 in FIG.
Next, in step S332, the settlement instruction including the amount calculated from the price information read in step S331 is transmitted from the master station 30 to the slave station 40.

The slave station 40 that has received the settlement instruction reduces the corresponding usage amount from the IC card 50 held by the customer through the R / W 46 in step S341.
Next, in step S342, detailed information is created by assigning a different transaction number for each transaction, the process proceeds to step S343, and the detailed information created in step S342 is stored in the storage device 43 provided in the slave station 40. The settlement result including the transaction number is returned to the main station 30.

The master station 30 that has received the settlement result response from the slave station 40 creates sales information in step S333. This sales information naturally includes the transaction number of this transaction.
Next, the main station 30 stores the settlement result and the sales information in the storage device 33 provided in the main station 30 in step S335.

  Next, in step S336, the main station 30 creates a receipt from the sales information of this transaction and ends the process. The sales information printed on the receipt need not be the same as the sales information created in step S333. In short, sales information sufficient to specify a transaction may be printed on the receipt.

The created receipt is handed to the user and the payment is completed.
It should be noted that there may be a limit on the maximum number of storages for a set of sales information and terminal information written in the IC card in step 344, and in this case, the writing area is used cyclically.

  Aggregation of store sales information in this settlement is performed with the sales information stored in the storage device 33 in the main station 30. Further, the usage amount is collected from the IC card user based on the detailed information stored in the storage device 43 by the slave station 40.

Next, the cancellation process for the transaction settled by the settlement process flow shown in FIG. 3 will be described with reference to FIGS.
FIG. 4 is a diagram showing a sequence flow of settlement cancellation processing in the terminal illustrated in FIG. As in the case of FIG. 3, the flow on the master station 30 side is executed by the main control unit 31 of the master station 30, and the flow on the slave station 40 side is executed by the master control unit 41 of the slave station 40.

The payment cancellation process is started when the user brings the receipt in which the sales information created by the payment process shown in FIG. 3 is described to any terminal in the store and requests cancellation.
When the payment cancellation process is started, the main station 30 reads the receipt brought in by the user who wishes to cancel the payment by reading means (not shown) in step S431, and acquires sales information.

Next, in step S432, the sales information of the same transaction content stored in the storage device 33 is searched based on the sales information read in step S431.
In step S433, it is determined whether sales information can be searched. If the search can be performed, the process proceeds to step S434. If the search cannot be performed, the process proceeds to step S435 to perform the other terminal settlement cancellation process and the process is terminated. The details of the other terminal settlement cancellation process will be described later with reference to FIG.

In step S434, a settlement cancellation request is transmitted to the slave station 40 by specifying the transaction number of the settlement result related to the sales information acquired in step S431.
In step S442, the slave station 40 deletes the detailed information stored in the storage device 43, or adds detailed information indicating that the detailed information of the received transaction number has been canceled (delivery of detailed information with the IC card provider). In step S443, the corresponding usage amount is increased to the IC card 50 held by the customer through the R / W 46 and a cancellation completion response is sent to the main station 30.

Receiving the cancellation completion response, the main station 30 deletes the sales information and the settlement result corresponding to the receipt in step S436, and completes the settlement cancellation process.
FIG. 5 is a diagram showing a sequence flow of another terminal settlement cancellation processing for canceling settlement at another terminal.

  In step S532, the main station 30 requests the server 90 to cancel the settlement using the sales information acquired in step S431 shown in FIG. 4 as a parameter, and waits for a response from the server 90 as shown in step S533. Details of the processing in the server 90 will be described later with reference to FIG.

  Next, in step S534, it is determined whether the response from the server 90 is a terminal corresponding to the sales information passed as a parameter in step S532. If there is no corresponding terminal, the process is terminated, and if there is, the process proceeds to step S535 and waits for completion of settlement cancellation at the corresponding terminal.

  Next, in step S536, it is determined whether there is a response of normal completion as a result of waiting for completion of settlement cancellation in step S535. If there is no normal completion response, the process ends. If there is a normal completion response, the process proceeds to step S537.

  In step S537, similarly to the processing in step S434 shown in FIG. 4, an increase in the usage amount of the sales for which the transaction is canceled by designating the transaction number of the settlement result related to the sales information acquired in step S431 and canceling the settlement. To the slave station 40.

  Then, the slave station 40 increases the corresponding usage amount to the IC card 50 held by the customer through the R / W 46 in step S541, and responds to the master station 30 that cancellation has been completed, similarly to the process in step S443 shown in FIG. Then, the process ends.

Next, processing in the server 90 will be described.
The server 90 that has received the request for canceling the settlement inquires of the terminal that has received the information that communication is possible at the time of activation whether the received sales information is present. The inquiry may be made for each terminal, or for a plurality of devices at the same time. The terminal having the relevant sales information (settled terminal) responds to the server to the effect.

  The server 90 requests the terminal that has made a response to cancel the settlement of sales information, and at the same time responds that the terminal that has made the settlement cancellation request has a terminal with sales information and that the settlement is being canceled.

  As described above, the processing in the server 90 is an intermediary process between the settlement request source terminal and the request destination terminal, and does not directly cancel the settlement. As described above, in electronic money transactions, transaction settlement data is transmitted to a center server held by an IC card provider that issues electronic money. This is because it is not allowed to be stored in 90.

FIG. 6 is a diagram for explaining the processing flow of the settlement cancellation mediation processing in the server 90 described above.
The settlement cancellation mediation process shown in FIG. 6 is started when the server 90 receives the settlement cancellation request for the sales information transmitted in step S532 shown in FIG. 5 from the terminal of the settlement cancellation request source.

  First, in step S61, the terminal is requested to search for sales information corresponding to the sales information transmitted as a parameter to each terminal, and a response is waited for. As described above, the sales information search request can be made for each terminal or for a plurality of devices at the same time.

  Next, in step S62, it is determined whether there is a response with information corresponding to the sales information requested for the search from any terminal. If there is no response with corresponding information, the process proceeds to step S69, where the requesting terminal responds that there is no corresponding terminal, and the process ends.

  If there is a response with the corresponding information, the process proceeds to step S63, and the terminal that has made the response with the corresponding information is requested to cancel the settlement of the sales information requested from the requesting terminal. Responds to the terminal that there is a corresponding terminal.

  Next, in step S65, a response from the requested terminal that requested the cancellation of the settlement of sales information in step S63 is waited for. When there is a response to the settlement cancellation completion from the request destination terminal, in step S66, the request termination terminal is notified of the settlement cancellation completion and the processing is terminated.

FIG. 7 is a diagram for explaining the processing flow of the sales information search process in the terminal requested to search for sales information in step S61 shown in FIG.
The sales information search process is started by receiving a sales information search request from the server 90.

When activated, in step S71, the sales information stored in the storage device 33 of its own terminal is searched.
Next, the process proceeds to step S72, where it is determined whether or not there is corresponding sales information. If there is no corresponding sales information, the process ends. If there is, the server 90 responds that the corresponding information is present in step S73 and ends the process.

FIG. 8 is a diagram for explaining the processing flow of the payment cancellation processing in the request destination terminal that has received the sales information payment cancellation processing request in step S63 shown in FIG.
The settlement cancellation process of the requested terminal is started when the main station 30 receives a sales information search request from the server 90.

When the main station 30 is activated, the main station 30 searches the sales information stored in the storage device 33 for sales information related to the settlement to be canceled in step S831.
In step S832, the transaction number attached to the sales settlement result is acquired from the sales information searched in step S831, and a cancellation request is notified to the slave station 40 using the acquired transaction number as a key.

  When the slave station 40 is notified of the cancellation request, it deletes the detailed information stored in the storage device 43 or adds detailed information indicating that the detailed information of the received transaction number has been canceled in step S841 (IC card business If the detailed information delivery with the person has been completed, etc.), the master station 30 responds to the cancellation completion.

  Receiving the cancellation completion response, the main station 30 deletes the sales information and settlement result corresponding to the receipt in step S833, responds to the server 90 with normal completion in step S834, and ends the process.

  In the above description, the server 90 that has received the corresponding sales information requests the request destination terminal to cancel the payment, but the request source terminal receives the terminal information (IP address, host name) of the request destination terminal. Etc.), and a request for cancellation of payment can be made directly from the request source terminal to the request destination terminal.

  As described above, the electronic money terminal and the electronic money terminal according to the embodiment of the present invention have been described in detail with reference to the configuration diagram and the processing flow diagram regarding the settlement cancellation method, the server, and the electronic money terminal system. Obviously, the terminal and the server have means for executing the processing described in each processing flow. It is also clear that these means and settlement cancellation method can be realized by a computer program.

It is a figure which shows the system configuration example by one embodiment of this invention. It is a figure which shows the structural example of the terminal by one embodiment of this invention. It is a figure which shows the sequence flow of a payment process. It is a figure which shows the sequence flow of a payment cancellation | release process. It is a figure which shows the sequence flow of other terminal payment cancellation processing. It is a figure explaining the processing flow of settlement cancellation mediation processing in a server. It is a figure explaining the processing flow of the sales information search process in the terminal requested to search for sales information. It is a figure explaining the processing flow of the payment cancellation process in the terminal which received the payment cancellation process request of sales information.

Explanation of symbols

10 terminal 20 network 30 master station 31 master control unit 32 network control unit 33 storage device 34 communication control unit (vs. slave station)
40 Slave station 41 Main control unit 42 Communication control unit (to center)
43 Storage device 44 Communication control unit (to main station)
45 Communication control unit (to card)
46 Reader / Writer 50 Non-contact IC card 60 External network 70 Center server 90 Server

Claims (10)

In an electronic money terminal that handles portable information devices that are connected to each other via a server and have an electronic money function,
Sales information storage means for storing sales information related to the payment at the time of payment;
A receipt issuing means for issuing a receipt printed with information on sales related to the settlement;
A receipt reading means for reading information about sales related to the payment from a receipt issued at the time of the payment to be canceled when the payment is canceled;
Sales information search means for searching sales information stored in the sales information storage means by information about the sales related to the read settlement,
A payment cancellation completion means for executing the payment cancellation when the sales information can be searched;
Payment cancellation request means for requesting other electronic money terminal having sales information corresponding to the information about the sales related to the payment to cancel the payment in the other electronic money terminal when the sales information cannot be searched;
Upon receiving a notification of completion of payment cancellation at the other electronic money terminal;
An electronic money terminal comprising: The electronic money terminal according to claim 1,
An electronic money terminal comprising: a settlement cancellation request accepting unit that accepts a settlement cancellation request from another electronic money terminal; and a unit that executes settlement cancellation at a local station of the settlement that is a target of the accepted settlement cancellation. The electronic money terminal according to claim 2,
It consists of a master station and slave stations.
The main station includes the settlement cancellation requesting unit, the receipt issuing unit, and the receipt reading unit,
The slave station includes means for communicating with the portable information device;
An electronic money terminal characterized by The electronic money terminal according to claim 2,
The settlement cancellation requesting unit is for requesting settlement cancellation at another electronic money terminal via the server,
The electronic money terminal characterized in that the payment cancellation request receiving means receives a payment cancellation request from another electronic money terminal via the server. The electronic money terminal according to any one of claims 1 to 4,
The portable information device is a contactless IC card that performs contactless communication,
An electronic money terminal comprising a reader / writer for exchanging data in a contactless manner with the contactless IC card. In a method of canceling payment by an electronic money terminal that handles portable information devices that are connected to each other via a server and have an electronic money function,
At the time of settlement, sales information relating to the settlement is stored in a storage device,
Issue a receipt printed with information about the sales related to the settlement;
At the time of payment cancellation, read information on sales related to the payment from the receipt issued at the time of payment to be canceled,
Search sales information stored in the storage device by information about the sales related to the read settlement,
If the sales information can be searched, the settlement cancellation is executed and completed.
When the sales information cannot be searched, the other electronic money terminal having sales information corresponding to the information about the sales related to the settlement is requested to cancel the settlement in the other electronic money terminal,
Upon receiving a notification of completion of payment cancellation at the other electronic money terminal, execute payment cancellation at the own electronic money terminal.
A payment cancellation method using an electronic money terminal. In the settlement cancellation method according to claim 6,
The portable information device is a contactless IC card that performs contactless communication,
A settlement cancellation method, wherein the electronic money terminal has a reader / writer for exchanging data without contact with the contactless IC card. In an electronic money terminal system comprising a server and an electronic money terminal that is connected to each other via the server and handles portable information devices having an electronic money function,
The electronic money terminal is
Sales information storage means for storing sales information related to the payment at the time of payment;
A receipt issuing means for issuing a receipt printed with information on sales related to the settlement;
A receipt reading means for reading information about sales related to the payment from a receipt issued at the time of the payment to be canceled when the payment is canceled;
Sales information search means for searching sales information stored in the sales information storage means by information about the sales related to the read settlement,
A payment cancellation completion means for executing the payment cancellation when the sales information can be searched;
Payment cancellation request for requesting other electronic money terminal having sales information corresponding to information related to the sales related to the payment to cancel the payment in the other electronic money terminal via the server when the sales information cannot be searched Means,
Upon receiving a notification of completion of payment cancellation at the other electronic money terminal, and having means for executing payment cancellation at the own electronic money terminal,
Means for receiving a payment cancellation request in another electronic money terminal having sales information corresponding to information on sales related to the payment from the electronic money terminal;
Payment cancellation request notification means for notifying the other electronic money terminal of the received request for cancellation of payment in the other electronic money terminal,
The electronic money terminal further executes a payment cancellation request reception means for receiving a payment cancellation request from another electronic money terminal by a notification from the server, and executes a payment cancellation at the local station of the payment that is the target of the payment cancellation. Means,
An electronic money terminal system comprising: The electronic money terminal system according to claim 8.
The settlement cancellation request notification means transmits information about sales related to the settlement to the other electronic money terminal,
The server further includes means for receiving, from the other electronic money terminal, a response indicating that the other electronic money terminal has sales information corresponding to information related to the sales related to the settlement; and the other electronic money terminal that has made the response Means for transmitting the terminal information to the electronic money terminal that has requested the settlement cancellation;
The electronic money terminal further comprises means for receiving terminal information of another electronic money terminal that has made the response from a server, and requesting the other electronic money terminal to cancel the payment at the other electronic money terminal. Money terminal system. An electronic money terminal for handling a portable information device having a computer connected to a network via a server and having an electronic money function,
Sales information storage means for storing sales information related to the payment at the time of payment;
A receipt issuing means for issuing a receipt printed with information on sales related to the settlement;
A receipt reading means for reading information about sales related to the payment from a receipt issued at the time of the payment to be canceled when the payment is canceled;
Sales information search means for searching sales information stored in the sales information storage means by information about the sales related to the read settlement,
A payment cancellation completion means for executing the payment cancellation when the sales information can be searched;
Payment cancellation request means for requesting other electronic money terminal having sales information corresponding to the information about the sales related to the payment to cancel the payment in the other electronic money terminal when the sales information cannot be searched;
Upon receiving a notification of completion of payment cancellation at the other electronic money terminal;
A program characterized by operating as an electronic money terminal.

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