JP2013125308A - Payment processing system and payment processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To achieve both the convenience to a user and efficient recovery of a deficient prepaid value while avoiding a state where a prepaid value is always negative, in accordance with fundamental principles of prepaid services, in the case of allowing a state where the prepaid value associated with a storage medium becomes negative in relation with commercial products which the user purchases.SOLUTION: When a payment processing system 10 performs payment processing by subtracting a prepaid value stored in a card 2, it is determined whether an amount of payment exceeds a balance of the prepaid value or not, and data associated with the card 2 satisfies a prescribed condition or not in the case of the amount of payment exceeding the balance of the prepaid value. If it satisfies the prescribed condition, the amount of payment is subtracted from the prepaid value to perform payment processing making the prepaid value negative.

Description

  This invention is a situation in which the prepaid value is always negative in accordance with the basic philosophy of the prepaid service when a state in which a negative amount is generated in the prepaid value associated with the storage medium in relation to the product purchased by the user is allowed. The present invention relates to a settlement processing system and a settlement processing method capable of achieving both user convenience and efficient recovery of a minus prepaid value.

  Conventionally, prepaid value such as electronic money is charged to a card in advance, and when this card is touched on a payment terminal, the prepaid value corresponding to the amount of the product is subtracted from the prepaid value charged on the card A settlement processing system that performs settlement is known.

  In such a payment processing system, if the prepaid value charged on the card is less than the amount of the product, the user pays the difference or the entire amount in cash, or the prepaid value is added to the card and the payment is processed. The For this reason, when the delivery of cash between the user and the store clerk is prohibited, such as in an employee cafeteria where such a payment processing system is introduced, the payment processing is performed after the prepaid value is additionally charged to the card. There is a need.

  However, since a burden is imposed on the user when an additional charge for the prepaid value is requested each time, a conventional technique is known that enables a smooth settlement process by the user by allowing a negative prepaid value.

  For example, in Patent Document 1, when the prepaid value is less than the amount of the product, the prepaid value is set to 0 and the shortage of the prepaid value is managed by the server, and the shortage of the prepaid value managed by this server is stored. A settlement processing device is disclosed in which value is settled by post-processing. Specifically, after the prepaid value is additionally charged to the card, the user accesses the server and offsets the shortage managed by the server with the prepaid value, and the credit settlement of the shortage managed by the server 2. A method 3 is disclosed in which the shortage managed by the server is withdrawn from the user's electronic money account.

  Further, in Patent Document 2, when prepaid value settlement processing is performed in a specific settlement processing device, even if there is a shortage of prepaid value, the prepaid value up to a predetermined upper limit is lent and settled. A technique that allows processing is disclosed.

JP 2008-217632 A JP 2008-181300 A

  However, since the ones in Patent Documents 1 and 2 allow a minus amount of the prepaid value for any user, the prepaid value is always minus for some users, and the prepaid prepaid method is used. Situations may occur that are contrary to the purpose of value. As a result, the minus prepaid value cannot be collected, and there is a risk that a loss may occur in the prepaid service provider.

  In addition, according to the method 1 of Patent Document 1, it is necessary for the user to access the server after additional charging to offset the shortage of the prepaid value, which results in forcing the user to work. In particular, when the user is not in an environment where the server can be accessed, the shortage of the prepaid value cannot be offset. In addition, as in methods 2 and 3 of Patent Document 1 above, in order to offset the shortage by credit or electronic money account, at least the card needs to correspond to the credit or electronic money account. A closed system that associates a prepaid value with a certificate cannot offset the shortfall due to credit or electronic money accounts.

  Furthermore, according to the above-mentioned Patent Document 2, since the card can be used even if the prepaid value is insufficient until the loan amount reaches the upper limit, when the number of users increases, The problem is who will bear the shortfall. In the first place, prepaid value means valuable value that the user has purchased in advance, so it is not appropriate to allow the existence of shortage of prepaid value without any expectation of compensation for the shortage. It is necessary to efficiently collect the minutes.

  For these reasons, the situation where the prepaid value is always negative in accordance with the basic philosophy of the prepaid service when the state where the prepaid value associated with the card is negative due to the product purchased by the user is allowed. It is an important issue how to realize a payment processing system that can achieve both the convenience of the user and the efficient recovery of the prepaid value of the minus amount while suppressing the above. Such a problem occurs not only when a prepaid card value is associated with a card but also when a prepaid card value is associated with another storage medium such as a mobile phone terminal.

  The present invention has been made to solve the above-described problems of the prior art, and allows a state where a negative value is generated in a prepaid value associated with a storage medium in relation to a product purchased by a user. , Payment processing system and payment processing capable of achieving both user convenience and efficient collection of negative prepaid value while suppressing the situation where the prepaid value is always negative in accordance with the basic philosophy of prepaid service It aims to provide a method.

  In order to solve the above-described problems and achieve the object, the present invention is a payment processing system that performs a payment process by subtracting a prepaid value associated with a storage medium, and performs the payment process using the storage medium A first determination unit that determines whether or not the settlement amount exceeds the prepaid value, and the storage medium stores the settlement amount when the first determination unit determines that the settlement amount exceeds the prepaid value A second determination unit that determines whether or not the associated information satisfies a predetermined condition; and when the second determination unit determines that the predetermined condition is satisfied, the settlement amount is converted into the prepaid value. And a payment processing means for performing the payment while subtracting from the value to make the prepaid value a negative value.

  Further, in the above invention, the present invention further includes a usage history storage unit that stores a usage history of each storage medium, and the second determination unit is configured to perform the predetermined determination based on the usage history stored in the usage history storage unit. It is characterized by determining whether these conditions are satisfy | filled.

  Further, the present invention is characterized in that, in the above invention, the second determination means determines that the predetermined condition is satisfied when a last use date indicated in the use history is within a predetermined period. To do.

  Further, the present invention is characterized in that, in the above-mentioned invention, the second determination means determines that the predetermined condition is satisfied when a predetermined approval operation is performed by a user or a person in charge of settlement. .

  Further, the present invention is characterized in that, in the above invention, the second determination means determines that the condition is satisfied when the prepaid value before settlement is a positive value.

  Further, the present invention is the above invention, wherein the second determination means determines that the predetermined condition is satisfied when information specifying a user who uses the storage medium is associated with the storage medium. It is characterized by doing.

  Further, the present invention is characterized in that, in the above invention, the first determining means further comprises a notifying means for notifying the occurrence of a debt amount when it is determined that the settlement amount exceeds the prepaid value. To do.

  Further, the present invention is a payment processing method for performing a payment process by subtracting a prepaid value associated with a storage medium, and whether or not a payment amount when performing a payment process using the storage medium exceeds the prepaid value Whether the information associated with the storage medium satisfies a predetermined condition when it is determined by the first determination step that determines whether or not the payment amount exceeds the prepaid value by the first determination step A second determination step for determining whether or not the predetermined condition is satisfied by the second determination means, and subtracting the settlement amount from the prepaid value to make the prepaid value negative And a payment processing step of making the payment while setting the value.

  According to the present invention, it is determined whether or not the payment amount when performing a payment process using a storage medium exceeds the prepaid value, and when it is determined that the payment amount exceeds the prepaid value, the payment amount is associated with the storage medium. If it is determined whether or not the information satisfies a predetermined condition, and it is determined that the predetermined condition is satisfied, the payment amount is subtracted from the prepaid value and the payment is made while setting the prepaid value as a negative value. In the case of accepting a state in which a negative value is generated in the prepaid value associated with the storage medium in relation to the product purchased by the user, while suppressing the situation where the prepaid value is always negative in accordance with the basic principle of the prepaid service. Therefore, it is possible to achieve both the convenience of the user and the efficient collection of the prepaid value for the minus amount.

FIG. 1 is an explanatory diagram for explaining the settlement processing method according to the first embodiment. FIG. 2 is a diagram illustrating a system configuration of the payment processing system according to the first embodiment. FIG. 3 is a diagram showing an internal configuration of the settlement processing apparatus and server shown in FIG. FIG. 4 is an explanatory diagram for explaining usage history data and card history data. FIG. 5 is a diagram showing an internal configuration of the charging device shown in FIG. FIG. 6 is an explanatory diagram for explaining the settlement process according to the first embodiment. FIG. 7 is a flowchart illustrating the payment processing procedure of the payment processing apparatus according to the first embodiment. FIG. 8 is a diagram illustrating an internal configuration of the settlement apparatus and the server according to the second embodiment. FIG. 9 is a flowchart illustrating the payment processing procedure of the payment processing apparatus according to the second embodiment.

  Hereinafter, preferred embodiments of a payment processing system and a payment processing method according to the present invention will be described in detail with reference to the accompanying drawings.

  First, the settlement processing method according to the first embodiment will be described. FIG. 1 is an explanatory diagram for explaining the settlement processing method according to the first embodiment. In the payment processing method according to the first embodiment, the payment processing apparatus 10 calculates the payment amount by reading the price of the product 1 with a barcode or the like (step S1). Further, the settlement processing apparatus 10 reads a card ID and a prepaid value balance that uniquely identifies the card from the card 2 (step S2). The card 2 incorporates an IC (Integrated Circuit) chip, and stores data including a card ID and a prepaid value balance in the IC chip.

  The payment processing apparatus 10 determines whether or not the payment amount exceeds the prepaid value balance read from the card 2. If the payment amount is equal to or less than the balance of the prepaid value read from the card 2 (step S3; No), a payment process (step S7) is performed. Specifically, the settlement amount is subtracted from the read prepaid value balance, and the prepaid value balance stored in the card 2 is updated with the value after subtraction.

  If the settlement amount exceeds the balance of the prepaid value (step S3; Yes), the settlement processing apparatus 10 determines whether or not to allow settlement (hereinafter referred to as minus settlement) in which the balance of the prepaid value becomes a negative value. Data for determination is acquired (step S4).

  If the acquired data does not satisfy the condition for allowing negative settlement (step S5; No), the settlement processing apparatus 10 does not perform the settlement process (step S6). On the other hand, if the acquired data satisfies the condition for permitting negative settlement (step S5; Yes), the settlement processing apparatus 10 performs a settlement process (step S7). Specifically, the settlement amount is subtracted from the read prepaid value balance, and the prepaid value balance stored in the card 2 is updated with the value after subtraction. At this time, since the balance before the subtraction is less than the settlement amount, the value after the subtraction is a negative value, and the card 2 stores a negative value as the prepaid value balance.

  As described above, the payment processing apparatus 10 can perform payment even if the balance of the prepaid value is less than the payment amount if the predetermined condition is satisfied. Therefore, the prepaid value is determined in accordance with the basic philosophy of the prepaid service. It is possible to achieve both the convenience of the user and the efficient collection of the prepaid value for the minus while suppressing the situation that is always negative.

  Next, the system configuration of the payment processing system according to the first embodiment will be described. FIG. 2 is a diagram illustrating a system configuration of the payment processing system according to the first embodiment. As shown in the figure, this payment processing system includes one or more payment processing devices 10, one or more charging devices 20, a server 30, and an administrator terminal 40 connected via a communication line. Yes.

  The payment processing device 10 is a device that performs payment using the prepaid value stored in the card 1. Specifically, a settlement processing device for sale of merchandise at a retail store, a settlement processing device for fare settlement at a passage gate such as a station, a settlement processing device for price settlement at a restaurant or the like.

  The charging device 20 is a device that accepts money deposit and adds the prepaid value of the card 2. The process of adding prepaid value by depositing money is called charging. The payment processing device 10 may have a charge function. However, when the payment processing device 10 is a device for payment at a pass gate at a station or a restaurant, etc., payment is made to a plurality of users. Since it is required to perform continuously, it is preferable to provide the charging device 20 for charging separately from the settlement processing device 10.

  The server 30 is a management device that manages the payment history by the payment processing device 10, the charge history by the charging device 20, and various data associated with the card. The administrator terminal 40 is a terminal used by an administrator who manages the payment processing system.

  Next, the internal configuration of the settlement processing apparatus 10 and the server 30 shown in FIG. 2 will be described. FIG. 3 is a diagram showing an internal configuration of the payment processing apparatus 10 and the server 30 shown in FIG. As shown in FIG. 3, the payment processing apparatus 10 includes a display unit 11, a barcode reader 12, a card reader / writer 13, a communication unit 14, and a control unit 15.

  The display unit 11 includes a fluorescent display tube, a color liquid crystal display, and the like. The display unit 11 displays the payment amount and whether or not payment is possible. The barcode reader 12 is a device that reads a barcode printed or pasted on a product. The card reader / writer 13 is a device that reads and writes data from and to the card 2. The communication unit 14 is an interface unit for performing data communication with the server 30 via a communication line.

  The control unit 15 is a control unit that controls the settlement processing apparatus 10 as a whole, and includes a settlement amount calculation unit 15a, a minus settlement determination unit 15b, a condition determination unit 15c, and a settlement processing unit 15d. Actually, programs corresponding to these functional units are stored in a ROM or a non-volatile memory (not shown), and these programs are loaded into a CPU (Central Processing Unit) and executed, whereby the settlement amount calculation unit 15a. The negative settlement determination unit 15b, the condition determination unit 15c, and the settlement processing unit 15d are caused to execute corresponding processes.

  The settlement amount calculation unit 15a is a processing unit that decodes the barcode read by the barcode reader 12 and calculates the settlement amount from the price of the product indicated by the barcode. When there are a plurality of products to be settled, the barcodes printed or pasted on the plurality of products are sequentially read and decoded, and the total price is set as the settlement amount.

  The minus payment determination unit 15b is a first determination unit that determines whether the payment amount calculated by the payment amount calculation unit 15a exceeds the balance of the prepaid value read from the card 2, and the payment amount exceeds the balance. If the payment is negative, the payment is determined to be normal.

  The condition determination unit 15c is a processing unit that determines whether or not a condition for allowing negative settlement is satisfied. Specifically, the condition determination unit 15c transmits the card ID of the card 2 read by the card reader / writer 13 to the server 30, acquires data associated with the card ID from the server 30, and the acquired data is a condition. It is determined whether or not the above is satisfied.

The conditions for accepting negative settlement are:
That the last use date is within the specified period,
The current prepaid value balance is positive,
The number of past payments is greater than or equal to a predetermined number of times,
The number of past charges is greater than or equal to a predetermined number,
The number of negative payments made in the past is less than or equal to the specified number,
To make up for the negative prepaid value by charging within the specified period after making a negative settlement in the past,
User's personal information is registered for the card ID,
The attribute associated with the card ID is the specified attribute;
A predetermined approval operation has been performed by the user or the person in charge of settlement,
Etc. are used. These conditions may be used alone or in combination.

  The settlement processing unit 15d performs a settlement process of subtracting the settlement amount calculated by the settlement amount calculation unit 15a from the prepaid value balance of the card 2 and rewriting the prepaid value balance of the card 2 with the value after the subtraction.

  The settlement processing unit 15d determines that a normal settlement is determined by the minus settlement determination unit 15b, a minus settlement is determined by the minus settlement determination unit 15b, and a condition for allowing the minus settlement is satisfied by the condition determination unit 15c. If it is determined, the settlement process is performed. When the normal settlement is performed, the balance after settlement is a positive value, and when the minus settlement is performed, the balance is a negative value. Further, when a negative settlement is performed, the display unit 11 is controlled to display that the negative settlement has been performed, thereby informing the user that charging is necessary. Note that when the negative settlement is made, the administrator terminal 40 may be notified.

  When the payment processing is performed, the payment processing unit 15d transmits the payment date and time, the card ID, the payment amount, and the balance to the server 30 as a payment history. The settlement history may be transmitted for each settlement process or may be transmitted to the server 30 after the settlement history for a predetermined time is accumulated.

  The settlement processing unit 15d does not perform the settlement process when the minus settlement determination unit 15b determines that the settlement is negative and the condition determination unit 15c determines that the condition for allowing the negative settlement is not satisfied. If payment processing is not performed, the payment processing unit 15d causes the display unit 11 to display a notification that the payment processing has not been performed due to a shortage of balance.

  As shown in FIG. 3, the server 30 can be connected to a display unit 31 and an input unit 32. The display unit 31 is a liquid crystal panel, a display device, or the like, and the input unit 32 is a keyboard, a mouse, or the like.

  The server 30 includes a communication unit 33, a storage unit 34, and a control unit 35. The communication unit 33 is an interface unit for data communication with the payment processing device 10, the charging device 20, the administrator terminal 40, and the like via a communication line.

  The storage unit 34 is a storage device such as a hard disk device or a nonvolatile memory, and stores usage history data 34a and card management data 34b. FIG. 4 is an explanatory diagram for explaining the usage history data 34a and the card management data 34b.

  As shown in FIG. 4, the usage history data 34a includes items such as usage date and time, card ID, payment amount, charge amount, and balance. The use date indicates the date when the card was used. The card ID is data that uniquely identifies the card. The payment amount indicates a value subtracted from the prepaid value by the payment processing, and the charge amount indicates a value of the prepaid value added by the charge. The balance indicates the balance of the prepaid value after the settlement process or charge is performed.

  The usage history data 34a shown in FIG. 4 indicates that “1000” was charged to the card with the card ID “00001” at 11:00 on October 1, and the balance became “1000”. Further, it is shown that “700” is subtracted from the card having the card ID “00001” by the settlement process at 11:05 on October 1, and the balance becomes “300”.

  Similarly, at 11:09 on October 1, “510” is subtracted from the card with the card ID “00023” by the settlement process, and the balance becomes “1330”. Further, it is shown that “380” is subtracted from the card having the card ID “00001” by the settlement process at 12:15 on October 2, and the balance becomes “−80”. Furthermore, “1000” is charged to the card with the card ID “00001” at 12:20 on October 2, and the balance is “920”.

  As shown in FIG. 4, the card management data 34b includes items of card ID, attribute, name, balance, number of settlements, number of charges, number of negative settlements, and number of compensations within a period. The attribute indicates an attribute given to the card. Specifically, attributes such as “employee” and “visitor” are set for the card in an in-house cafeteria. The name is the name of the user of the card. The balance indicates the balance of the prepaid value of the card, and the number of settlements indicates the number of times the card is used for the settlement process. The number of charges indicates the number of times that the card has been charged. The number of negative payments indicates the number of times negative payment has been made by the card. The number of in-period compensations indicates the number of times the prepaid value that has become negative due to charging during the designated period after the negative settlement is made.

  The card management data 34b shown in FIG. 4 includes the attribute “employee”, name “XX YY”, balance “920”, settlement count “2”, charge count “2”, minus settlement count on the card with the card ID “00001”. “1” and the number of in-period compensations “1” are associated with each other. That is, the card with the card ID “00001” is the user “XX YY”, the current balance is “920”, so far two payment processes and two charges have been performed. It is shown that one out of the payment processing is a negative payment, and after such a negative payment, charging is performed within a designated period and the balance becomes 0 or more.

  The control unit 35 shown in FIG. 3 is a control unit that controls the server 30 as a whole, and includes a history management unit 35a and a card management unit 35b. Actually, programs corresponding to these functional units are stored in a ROM or a non-volatile memory (not shown), and these programs are loaded into a CPU (Central Processing Unit) and executed, whereby the history management unit 35a and The card management unit 35b is caused to execute a corresponding process.

  When the payment history is received from the payment processing apparatus 10, the history management unit 35a adds the payment date and time, the card ID, the payment amount, and the balance indicated in the payment history to the usage history data 34a. Similarly, when receiving the charge history from the charging device 20, the history management unit 35a adds the charge date and time, the card ID, the charge amount and the balance indicated in the charge history to the usage history data 34a.

  The card management unit 35b is a processing unit that generates and manages card management data 34b. Specifically, when the usage history data 34a is updated, the card management unit 35b updates the card management data 34b based on the updated contents. In addition, when a card ID is received from the payment processing apparatus 10, a process of transmitting data associated with the card ID to the payment processing apparatus 10 is performed.

  Next, the internal configuration of the charging device 20 shown in FIG. 2 will be described. FIG. 5 is a diagram showing an internal configuration of the charging device 20 shown in FIG. As shown in FIG. 5, the charging device 20 includes a display operation unit 21, a card reader / writer 22, a communication unit 23, a money processing unit 24, and a control unit 25.

  The display operation unit 21 includes a touch panel display or the like, and displays a total amount of money inserted by the user, accepts an operation for designating an amount used for charging, and the like. The card reader / writer 22 is a device that reads and writes data from and to the card 2. The communication unit 23 is an interface unit for performing data communication between the server 30 and the administrator terminal 40 via a communication line.

  When the user inserts money, the money processing unit 24 determines the denomination and authenticity of the inserted money and conveys it to a money storage unit (not shown) to control the denomination and quantity of the determined money. To the unit 25. Further, the denomination and the number of coins designated by the control unit 25 are conveyed from the money storage unit to the outside.

  The control unit 25 is a control unit that controls the entire charging device 20, and includes a money management unit 25a, a deposit amount calculation unit 25b, and a charge processing unit 25c. In practice, programs corresponding to these functional units are stored in a ROM or non-volatile memory (not shown), and these programs are loaded into a CPU (Central Processing Unit) and executed, whereby the money management unit 25a, The process corresponding to each of the deposit amount calculation unit 25b and the charge processing unit 25c is executed.

  The money management unit 25 a is a management unit that manages the money inside the charging device 20. The money management unit 25a manages the stored number of sheets stored for each denomination and the upper limit number of sheets that can be stored, and indicates that the stored number is near full, indicating that the stored number has reached the upper limit number. The administrator terminal 40 is notified when full, indicating near empty indicating that the number of stored sheets has approached 0, or empty indicating that the stored number of sheets has reached 0 is detected.

  The deposit amount calculation unit 25b calculates the total amount of money inserted by the user from the denomination and quantity of the currency determined by the currency processing unit 24, and controls display on the display operation unit 21. After confirming the deposit amount, the user selects an amount to be used for charging out of the deposit amount.

  The charge processing unit 25c adds the prepaid value corresponding to the amount selected by the user to the balance of the card deceived by the card reader / writer 22, and causes the money processing unit 24 to return any remaining deposit amount. When charging is performed, the charge processing unit 25c transmits the charge date / time, card ID, charge amount, and balance to the server 30 as a settlement history.

  Next, the settlement process according to the first embodiment will be described. Here, for simplicity of explanation, it is assumed that 1 yen corresponds to the frequency “1” of the prepaid value, and the balance of the prepaid value is shown in units of yen.

  FIG. 6 is an explanatory diagram for explaining the settlement process according to the first embodiment. As shown in FIG. 6, if a settlement process with a settlement amount of 380 yen is performed in a state where the balance of the prepaid value is 300 yen, the balance becomes a negative settlement with a balance less than the settlement amount. For this reason, if a predetermined condition is not satisfied, the settlement is impossible and the settlement process cannot be performed.

  On the other hand, if a predetermined condition is satisfied, negative settlement is permitted and settlement processing is performed. By this settlement processing, the settlement amount 380 yen is subtracted from the balance 300 yen, and the balance is updated to -80 yen.

  If a charge of 1000 yen is made in a state where the balance is -80 yen, the balance is updated to 920 yen. It should be noted that the next settlement process is not allowed when the balance is -80 yen. This is because the condition that the balance is a positive value is not satisfied.

  In this way, even if the balance once becomes a negative value, it is possible to reduce the prepaid value for the convenience of the user while suppressing the situation where the prepaid value is always negative by charging the next time to make up It is possible to achieve both efficient recovery.

  Next, the payment processing procedure of the payment processing apparatus 10 will be described. FIG. 7 is a flowchart showing a payment processing procedure of the payment processing apparatus 10. First, the payment amount calculation unit 15a of the payment processing apparatus 10 calculates the payment amount from the price indicated by the barcode read by the barcode reader 12 (step S101).

  When the card reader / writer 13 reads the balance of the card ID and the prepaid value from the card 2 (step S102), the minus settlement determination unit 15b determines whether the settlement amount exceeds the prepaid value (step S103).

  If the settlement amount exceeds the balance (step S103; Yes), the condition determination unit 15c transmits the card ID to the server 30 (step S104), and receives data associated with the card ID from the server 30 (step S105). .

  The condition determining unit 15c uses the data received from the server 30 to determine whether or not a condition for accepting negative settlement is satisfied (step S106). If the condition is not satisfied (step S106; No), the settlement is performed. The processing unit 15d causes the display unit 11 to display that the settlement process has not been performed due to a shortage of balance (step S107), and ends the process.

  If the payment amount is equal to or less than the balance (step S103; No), or if the condition allowing the negative payment is satisfied (step S106; Yes), the payment processing unit 15d performs the payment calculated by the payment amount calculation unit 15a. The settlement is performed by subtracting the amount from the prepaid value balance of the card 2 and rewriting the prepaid value balance of the card 2 with the value after the subtraction (step S108), and the process is terminated.

  As described above, in the first embodiment, when the payment processing apparatus 10 performs the payment processing by subtracting the prepaid value stored in the card 2, it is negative whether the payment amount exceeds the balance of the prepaid value. When the payment determination unit 15b determines that the payment amount exceeds the balance of the prepaid value, the condition determination unit 15c determines whether or not the data associated with the card 2 satisfies a predetermined condition, and the predetermined condition If so, the payment processing is performed by subtracting the payment amount from the prepaid value and making the payment value negative, so that the prepaid value associated with the storage medium in relation to the product purchased by the user. In the case of accepting a situation where a negative amount is allowed, the convenience of the user is suppressed while suppressing the situation where the prepaid value is always negative in accordance with the basic principle of the prepaid service. It is possible to achieve both the efficient recovery of prepaid value minus min.

  Specifically, it becomes more convenient for users who perform payment processing because it is not necessary to charge the payment by interrupting or holding the payment processing due to lack of balance at the time of payment processing, and the effect on subsequent users Can also be minimized.

  In addition, congestion such as time zones where payment processing is concentrated can be alleviated, which is also beneficial for operators of payment processing systems. Furthermore, it is not necessary to arrange personnel in order to deal with a user who does not have a charging means when a balance shortage occurs.

  In the first embodiment described above, the configuration has been described in which the payment processing apparatus 10 determines whether or not the data associated with the card 2 satisfies the condition for allowing negative settlement. However, the condition for allowing negative settlement is described. The determination as to whether or not the condition is satisfied may be made on the server side. Therefore, in the second embodiment, a configuration will be described in which it is determined on the server side whether or not a condition for allowing negative settlement is satisfied.

  FIG. 8 is a diagram illustrating an internal configuration of the settlement apparatus and the server according to the second embodiment. The payment processing apparatus 110 illustrated in FIG. 8 is different from the payment processing apparatus 10 illustrated in FIG. 3 in that a determination requesting unit 15e is provided instead of the condition determination unit 15c. 8 is different from the server 30 shown in FIG. 3 in that the control unit 35 further includes a condition determination unit 35c. Since other configurations and operations are the same as those of the settlement processing apparatus 10 and the server 30 shown in FIG. 3, the same components are denoted by the same reference numerals and description thereof is omitted.

  If the negative payment determination unit 15b determines that the payment amount exceeds the balance of the prepaid value, the determination request unit 15e requests the server 130 to determine the condition by transmitting the card ID to the server 130.

  When receiving the card ID from the payment processing apparatus 110, the condition determination unit 35c of the server 130 reads data associated with the card ID from the card management data 34b and determines whether or not the read data satisfies the condition.

  The conditions used for the determination by the condition determination unit 35c are the same as the conditions required for the determination by the condition determination unit 15c shown in the first embodiment. The condition determination unit 35c notifies the payment processing apparatus 110 that the payment is permitted when the read data satisfies the condition, and determines that the payment processing apparatus 110 is unable to pay the payment when the read data does not satisfy the condition. Notice.

  The settlement processing unit 15d of the settlement processing device 110 performs settlement processing when the minus settlement determination unit 15b determines that the settlement is normal, and when the minus settlement determination unit 15b determines that the settlement is minus settlement and receives settlement permission from the server 130. I do. When it is determined that the negative settlement is made by the negative settlement determination unit 15b and the settlement impossible is received from the server 130, the settlement process is not performed.

  Next, the payment processing procedure of the payment processing apparatus 110 will be described. FIG. 9 is a flowchart showing a payment processing procedure of the payment processing apparatus 110. First, the payment amount calculation unit 15a of the payment processing apparatus 110 calculates the payment amount from the price indicated by the barcode read by the barcode reader 12 (step S201).

  When the card reader / writer 13 reads the balance of the card ID and the prepaid value from the card 2 (step S202), the minus settlement determination unit 15b determines whether or not the settlement amount exceeds the prepaid value (step S203).

  If the settlement amount exceeds the balance (step S203; Yes), the determination request unit 15e transmits the card ID to the server 130 (step S204) and receives the determination result from the server 130 (step S205).

  If the received determination result is that payment is not possible (step S206; No), the payment processing unit 15d causes the display unit 11 to display that the payment processing has not been performed due to a shortage of balance (step S206). S207), the process is terminated.

  When the payment amount is equal to or less than the balance (step S203; No) or when payment permission is received from the server 130 (step S206; Yes), the payment processing unit 15d calculates the payment amount calculated by the payment amount calculation unit 15a. Is subtracted from the prepaid value balance of the card 2 and a settlement process is performed to rewrite the prepaid value balance of the card 2 with the value after the subtraction (step S208), and the process ends.

  As described above, even if the server 130 determines whether or not the condition for allowing negative settlement is satisfied, the storage medium is related to the product purchased by the user as in the first embodiment. In the case of accepting a condition in which a negative value is generated in the prepaid value associated with the It is possible to achieve both efficient recovery.

  In the first and second embodiments, the configuration in which the settlement amount is calculated based on the price read from the barcode is illustrated, but any method can be used for calculating the settlement amount. For example, in a payment processing apparatus installed in a cafeteria, a method of calculating the payment amount by recognizing the shape and size of tableware placed on a tray may be used. Moreover, when implementing as a passing gate of a station, the method of calculating a payment amount from the data which shows the boarding station memorize | stored in the card | curd can be used.

  The conditions for allowing negative settlement shown in the first and second embodiments are merely examples, and can be changed as appropriate. For example, the next use probability may be obtained from the use history, and negative settlement may be permitted if the next use probability is equal to or greater than a predetermined value.

  Further, the charge deadline may be changed from minus settlement depending on the usage frequency. Specifically, if the usage frequency is high, a margin of one week is given before the charge deadline, and if the usage frequency is low, the day of the day is set as the charge deadline.

  Further, instead of the condition that the balance before settlement is a positive value, negative settlement may be allowed up to a set amount. At this time, if the negative settlement has not been charged for a predetermined period or longer, the negative settlement may be rejected even if the set amount is not reached until the next charging.

  Further, the card may be used as a card key for purposes other than payment, for example, entrance / exit. When it can be used as a card key, the balance can be confirmed when entering or leaving the room, and if it is a negative value, an operation such as notifying of the necessity of charging can be performed.

  Moreover, in the said Example 1 and 2, although detailed description about the form of a card | curd was abbreviate | omitted, not only an IC card but a magnetic card etc. may be sufficient. Further, although the “card” has been described as an example here for convenience of explanation, the present invention can also be applied to a case where a chip, a stick, a portable terminal, or the like is used in addition to such a card.

  Each illustrated configuration is schematic in function, and does not necessarily need to be physically configured as illustrated. That is, the form of distribution / integration of each device is not limited to the one shown in the figure, and all or a part thereof may be functionally or physically distributed / integrated in an arbitrary unit according to various loads or usage conditions. Can be configured.

  As described above, the payment processing system and the payment processing method according to the present invention allow a prepaid service when a negative value is allowed in a prepaid value associated with a storage medium in relation to a product purchased by a user. In accordance with the basic philosophy, it is suitable for both the convenience of the user and the efficient recovery of the prepaid value for the minus while suppressing the situation where the prepaid value is always negative.

1 Product 2 Card 10, 110 Payment processing device 11 Display unit 12 Bar code reader 13 Card reader / writer 14 Communication unit 15 Control unit 15a Settlement calculation unit 15b Minus payment determination unit 15c Condition determination unit 15d Settlement processing unit 15e Determination request unit 20 Charging device 21 Display operation unit 22 Card reader / writer 23 Communication unit 24 Money processing unit 25 Control unit 25a Money management unit 25b Deposit amount calculation unit 25c Charge processing unit 30, 130 Server 31 Display unit 32 Input unit 33 Communication unit 34 Storage unit 34a Usage history data 34b Card management data 35 Control unit 35a History management unit 35b Card management unit 35c Condition determination unit 40 Administrator terminal

Claims (8)

A payment processing system that performs a payment process by subtracting a prepaid value associated with a storage medium,
First determination means for determining whether or not a payment amount when performing a payment process using the storage medium exceeds the prepaid value;
Second determination means for determining whether or not information associated with the storage medium satisfies a predetermined condition when the first determination means determines that the payment amount exceeds the prepaid value;
Payment processing means for subtracting the payment amount from the prepaid value and making the payment while making the prepaid value a negative value when the second determination means determines that the predetermined condition is satisfied. A payment processing system characterized by comprising. It further comprises usage history storage means for storing the usage history of each storage medium,
The payment processing system according to claim 1, wherein the second determination unit determines whether or not the predetermined condition is satisfied based on a usage history stored in the usage history storage unit.   3. The settlement processing system according to claim 2, wherein the second determination unit determines that the predetermined condition is satisfied when a last use date indicated in the use history is within a predetermined period. .   The payment processing system according to claim 1, wherein the second determination unit determines that the predetermined condition is satisfied when a predetermined approval operation is performed by a user or a person in charge of payment.   The payment processing system according to claim 1, wherein the second determination unit determines that the condition is satisfied when a prepaid value before payment is a positive value.   The said 2nd determination means determines with satisfy | filling the said predetermined conditions, when the information which identifies the user who uses the said storage medium is linked | related with the said storage medium. The payment processing system described.   The information processing apparatus according to any one of claims 1 to 6, further comprising notification means for notifying generation of a debt amount when the first determination means determines that the settlement amount exceeds the prepaid value. The payment processing system described in 1. A payment processing method for performing a payment process by subtracting a prepaid value associated with a storage medium,
A first determination step of determining whether or not a payment amount when performing a payment process using the storage medium exceeds the prepaid value;
A second determination step of determining whether information associated with the storage medium satisfies a predetermined condition when the first determination step determines that the payment amount exceeds the prepaid value;
A payment processing step of subtracting the payment amount from the prepaid value and making the payment while making the prepaid value a negative value when the second determination means determines that the predetermined condition is satisfied; A settlement processing method characterized by including.

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