JP2014119807A - Electronic money settlement device and electronic settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To attain improvement in operability and ease of use by automating a setting of an electronic money to be preferentially used and providing a mechanism to perform an electronic settlement.SOLUTION: An electronic money settlement device 31 giving a point according to a settlement amount and including a radio reader writer part 313 capable of an electronic settlement by a plurality of electronic moneys has: a storage part 312 in which point data to be given to a settlement money is stored for each electronic money; an a control part 310 that, when a storage medium capable of a settlement by a plurality of electronic moneys is held up over the radio reader writer, refers to the point data stored in the storage part, selects an electronic money having the largest number of points to be given and performs an electronic settlement process by the selected electronic money.

Description

  The present invention relates to an electronic money settlement apparatus and an electronic settlement system that can be preferentially selected and settled with electronic money having a high point grant rate, for example, suitable for installation in a vending machine.

  Unmanned machines such as vending machines can make electronic payments using contactless IC cards with built-in storage media such as RFID (Radio Frequency IDentification) chips, and electronic money held in mobile terminals such as smartphones and mobile phones. A simple electronic money payment device is installed. Such an electronic money payment apparatus is connected to a main control unit of a vending machine, and when receiving a payment command including a payment amount from the main control unit, communicates with a storage medium built in a portable terminal holding electronic money. And execute desired settlement processing with the electronic money settlement server.

  As such an electronic money settlement apparatus, for example, Edy (registered trademark), WAON (registered trademark), nanoco (registered trademark), etc., an electronic money settlement apparatus that allows businesses to settle different electronic money with a single device It has been known.

  Further, for example, according to Patent Document 1, it is provided with electronic money basic setting means for setting which type of electronic money is preferentially settled, and by this electronic money basic setting means, electronic money to be preferentially used is set. There is also known an electronic money settlement apparatus in which a type is set in advance and when a user operates a product selection unit, settlement can be made with preferentially used electronic money set by an electronic money basic setting unit.

JP 2008-299575 A

  By the way, also in the field of electronic payment using the electronic money described above, as with cash payment, service provision by a point program that gives points to the payment amount of electronic money has become common. For this reason, the number of consumers who use electronic money to acquire points is increasing. In addition, when a mobile terminal with a built-in storage medium capable of electronic payment with a plurality of electronic money is used for payment with electronic money having the highest point grant rate, the consumer currently has a higher point grant rate. It is necessary to know in advance the data indicating, and an operation for selecting the electronic money is required, and therefore, the operability is poor.

  Furthermore, according to the technique disclosed in Patent Document 1 described above, electronic money set preferentially for electronic payment is left to the operation by the maintenance operator, and thus there is a problem in terms of practicality. there were. In addition, since the point grant rate was not taken into consideration at all, the priority electronic money set by the maintenance worker and the electronic money with a high point grant rate that the consumer wants to use do not necessarily match, and therefore in terms of usability. There was a problem.

  An object of the present invention is to provide an electronic money settlement apparatus and an electronic settlement system that improve operability and usability by providing a mechanism for performing electronic settlement by automating the setting of electronic money to be used with priority. There is to do.

  An electronic money payment system according to a first aspect of the present invention is an electronic payment apparatus including a reader / writer that can make electronic payments with a plurality of electronic money, which gives points according to a payment amount. Then, the electronic money settlement apparatus has a storage unit that stores point data given to the settlement amount for each electronic money, and a storage medium that can be settled with a plurality of electronic money over a reader / writer. And a control unit that selects the electronic money with the largest number of points given to the payment amount, and performs electronic payment processing with the selected electronic money. Features.

  According to this configuration, the control unit automatically selects the electronic money having the largest points when the consumer holds the storage medium that can be settled with a plurality of electronic money over the reader / writer. Electronic payment processing with electronic money. This frees consumers from setting priority electronic money and enables them to make payments using electronic money that they want to use without being aware of electronic money with a high point grant rate, thus improving operability and usability. Peeled off.

  The control unit refers to the point data stored in the storage unit when a storage medium capable of settlement with a plurality of electronic money is held over the reader / writer, and the valid period from when the point is granted until the point disappears The shortest electronic money may be selected, and electronic payment processing may be performed using the selected electronic money.

  According to such a configuration, the control unit automatically selects the electronic money with the shortest point validity period, and performs electronic settlement processing with the selected electronic money. For this reason, the consumer can make a payment with the electronic money he / she wants to use without being aware of the point validity period, and therefore the usability can be improved.

  When the control unit holds a storage medium that can be settled with multiple electronic money over the reader / writer, the control unit refers to the point data stored in the storage unit and selects the electronic money with the largest number of points that can be used at one time. Then, electronic payment processing may be performed with the selected electronic money.

  According to this configuration, the control unit automatically selects the electronic money having the largest number of points that can be used at one time, and performs electronic payment processing using the selected electronic money. For this reason, the consumer can make a payment with the electronic money he / she wants to use without being aware of the number of points that can be used at one time, thus improving usability.

  The electronic settlement apparatus includes a point selection operation unit, and when the control unit detects an operation of the point selection operation button, the control unit refers to the point data stored in the storage unit and converts the possessed points to the electronic money having the highest exchange rate. You may exchange for points.

  According to this configuration, when the control unit detects an operation of the point selection operation button, the control unit exchanges the stored points for points of electronic money having the highest exchange rate. For this reason, the consumer can exchange the possession points without being aware of the electronic money having a high exchange rate, and thus the usability can be improved.

  A communication unit that acquires point data from a portal site that publishes a plurality of point programs provided by a business operator that manages and operates each electronic money, and writes the data to a storage unit under the control of the control unit; You may have.

  According to such a configuration, the communication unit acquires by communication from a portal site that publishes a plurality of point programs provided by a business operator that manages and operates each electronic money. Therefore, the point data stored in the storage unit is automatically updated, and the consumer can be provided with the latest point program without being aware of the change of the point program for each electronic money.

  An electronic payment system according to a second aspect of the present invention includes an electronic money payment server managed by each business operator operating each electronic money, and an electronic money payment device capable of payment with a plurality of electronic money. An electronic payment system connected via a communication network. The communication network is further connected to a point management server that publishes a point program in which points granted according to the settlement amount by each business operator are collected for each electronic money. The electronic money settlement apparatus communicates with the point management server at an arbitrary timing, acquires point data given based on the point program, and is given points according to the obtained point data at the time of settlement by electronic money. The electronic money having the largest value is selected, and electronic payment is performed with the selected electronic money.

  According to such a configuration, the electronic money settlement apparatus communicates with the point management server at an arbitrary timing, acquires point data given based on the point program, and allows the consumer to settle with a plurality of electronic money When the medium is held over the reader / writer, the electronic money with the largest points is automatically selected and electronic settlement processing is performed. For this reason, the consumer can make a payment with the electronic money he / she wants to use without being conscious of the electronic money with a high point grant rate, and thus can provide an easy-to-use electronic payment system.

  According to the present invention, it is possible to provide an electronic money settlement apparatus and an electronic settlement system that improve usability as well as operability by providing a mechanism for performing electronic settlement by automating the setting of electronic money to be preferentially used. can do.

1 is a system configuration diagram of an electronic settlement system according to an embodiment of the present invention. It is a block diagram which shows the structure of the electronic money payment apparatus concerning embodiment of this invention. It is an operation | movement sequence diagram of the electronic payment system concerning Example 1. FIG. 7 is a flowchart illustrating a selection processing procedure of the electronic money settlement apparatus according to the first embodiment. It is a figure which shows the point data acquisition sequence of the electronic payment system concerning Example 1. FIG. 7 is a flowchart illustrating a point data acquisition process procedure of the electronic money settlement apparatus according to the first embodiment. FIG. 10 is an operation sequence diagram of the electronic settlement system according to the second embodiment. 12 is a flowchart illustrating an electronic money selection processing procedure of the electronic money settlement apparatus according to the second embodiment.

  Hereinafter, an embodiment for carrying out the present invention (hereinafter simply referred to as the present embodiment) will be described in detail with reference to the accompanying drawings.

(Configuration of the embodiment)
FIG. 1 is a schematic configuration diagram showing a configuration of an electronic payment system 1 to which an electronic money payment apparatus 31 according to this embodiment is connected. According to FIG. 1, the electronic payment system 1 collects the electronic money payment servers 10A to 10D managed and operated by the respective electronic money operators and the point programs provided by the respective electronic money operating companies. Point management server 20 that collects and discloses as a point data the point grant rate given according to the payment amount for each person (electronic money), and the vending machine on which the electronic money settlement apparatus 31 according to the present embodiment is mounted And a higher-level device 30.

  The portable terminal 50 carried by the consumer has a built-in storage medium in which a plurality of electronic money is held, and the consumer holds the portable terminal 50 over the detection surface of the electronic money settlement apparatus 31 so that the electronic money settlement server 10A. Electronic payment is made between 10D and 10D.

  The host device 30 is connected to the electronic money settlement servers 10A to 10D and the point management server 20 via a communication network 40 such as an IP (Internet Protocol) network. The point management server 20 is a portal site that publishes information related to a company's point program, such as “Point Search Club” (http://www.poitan.net/aboutus.php). It is a site that systematically summarizes point exchange services that spread beyond the boundaries of industries and spreads like a network, and provides support for users to efficiently collect points. ing.

  The electronic payment system 1 according to the present embodiment includes electronic money payment servers 10A to 10D managed by respective operators operating respective electronic money, and an electronic money payment device 31 capable of payment using a plurality of electronic money. Are connected via the communication network 40. The communication network 40 is further connected to a point management server 20 that publishes a point program in which points given according to the payment amount by each business operator are collected for each electronic money. Then, as will be described later, the electronic money settlement apparatus 31 communicates with the point management server 20 at an arbitrary timing, acquires point data provided based on the point program, and is provided according to the acquired point data. For example, electronic payment is performed with the electronic money selected with the portable terminal 50 carried by the consumer.

  An internal configuration of the electronic money settlement apparatus 31 according to the present embodiment is shown in FIG. According to FIG. 2, the electronic money settlement apparatus 31 is an apparatus capable of settlement with four types of electronic money of type A, type B, type C, and type D, and includes a control unit 310, a communication unit 311, and a storage. A unit 312, a wireless reader / writer unit 313, a display unit 314, an operation unit 315, and an audio output unit 316.

  The communication unit 311 is a network interface that controls a communication interface between the electronic money settlement servers 10A to 10D and the point management server 20 connected via the communication network 40 and the electronic money settlement apparatus 31 according to the present embodiment. A unit that performs data communication based on, for example, TCP / IP (Transmission Control Protocol / Internet Protocol).

  The storage unit 312 is assigned with an application storage area 312A and a work data storage area 312B, and programs or data are stored in the respective areas. Specifically, the application storage area 312A stores type A to type D application programs for settlement of the above-described four types of electronic money. The work data storage area 312B stores point data acquired from the point management server 20 by communication at every settlement or at regular or irregular intervals.

  The “point data” here includes point grant rate information and target point conversion rate information. The point grant rate information includes, as data items, an electronic money type, a point grant rate (%), a point validity period (days), and a maximum available point. The point grant rate is the rate at which points are awarded for the payment amount of electronic money (points / payment amount [%]), and the point validity period is the point that is used after the points are granted The maximum point that can be used is the maximum number of points that can be used at one time.

  The target point conversion rate information includes an electronic money type and a point conversion rate as data items, and examples of the point conversion rate include an A point, a B point, and a C point (hereinafter referred to as an electronic money brand). ). Note that the point conversion rate refers to a conversion rate at the time of exchanging points given by settlement with electronic money managed and operated by a certain business operator for points managed and operated by another business enterprise. Such information must always be the latest point data. The update method will be described later.

  The wireless reader / writer unit 313 is configured such that a non-contact IC card or a storage medium such as an RFID chip incorporated in the portable terminal 50 is placed on the detection surface of the electronic money settlement device 31, thereby ). As a result, the control unit 310 rewrites the value of electronic money that is electronic value information stored in the storage medium. For this reason, the wireless reader / writer unit 313 includes an R / W antenna and a communication module. The R / W antenna propagates power and data wirelessly (contactlessly) to the storage medium, and the communication module performs modulation / demodulation to access the storage medium and read / write data (electronic value). .

  The display unit 314 is a display device that displays operation guidance, the type of electronic money to be settled, and the balance of electronic money owned by the consumer. The display unit 314 changes the type of color to be emitted and lights or blinks the electronic money. It also includes an LED (Light Emitted Diode) that informs the operating state of money. The operation unit 315 is a button for manually selecting the electronic money to be used, and includes a button (point selection operation button) that is pressed when the consumer intentionally displays the point exchange, as will be described later. The voice output unit 316 provides voice guidance for electronic payment operation by the portable terminal 50 or the like.

  Note that the control unit 310 is connected to the main control unit 300 (CPU 301 and RAM 302) of the host device 30, and receives a payment request including a payment amount from the main control unit 300 (CPU 301), the selected electronic money is used. Execute payment processing. The plurality of electronic money settlement servers 10 </ b> A to 10 </ b> D are connected via the communication unit 311 and the communication network 40. The communication unit 311 communicates point data under the control of the control unit 310 from a portal site (point management server 20) that publishes a plurality of point programs provided by a business operator that manages and manages each electronic money. And is written in the work data storage area 312B of the storage unit 312. The acquisition of the point data by communication may be performed for each settlement, or regularly or irregularly.

  When the consumer holds the portable terminal 50 (storage medium) that can be settled with a plurality of electronic money over the wireless reader / writer unit 313, the control unit 310 stores the points stored in the work data storage area 312B of the storage unit 312. With reference to the data (point grant rate information), the electronic money having the largest awarded point is selected, and electronic settlement processing is performed with the selected electronic money. Control unit 310 may refer to point data (point grant rate information), select electronic money with the shortest point validity period, and perform electronic payment processing with the selected electronic money. Further, the control unit 310 may refer to the point data (point grant rate information), select the electronic money having the largest number of points that can be used at one time, and perform electronic payment processing using the selected electronic money. . Further, when detecting the operation of the point selection operation button 317, the control unit 310 refers to the point data (target point conversion rate information), and manages and operates the retained points by another business operator having the highest conversion rate. You may exchange for points of electronic money.

(Operation of the embodiment)
Hereinafter, the operation of the electronic settlement system 1 centering on the electronic money settlement apparatus 31 according to the present embodiment will be described in detail with reference to FIGS. In the following description, a case where the electronic money settlement apparatus 31 acquires point data in advance by communication and executes a settlement process is described as Example 1, and the electronic money settlement apparatus 31 acquires point data by communication for each settlement. A case where the settlement process is executed is described as a second embodiment.

Example 1.
First, the basic operation of the payment system 1 according to the first embodiment will be described with reference to the operation sequence diagram of FIG. Although not shown here, the electronic money settlement apparatus 31 is composed of a plurality of electronic money point grant rate information and target point conversion rate information that can be electronically settled in advance from the point management server 20 via the communication network 40. It is assumed that the point data is acquired by communication, and the contents stored in the work data storage area 312B of the storage unit 312 are updated to the latest information.

  First, when the electronic money settlement apparatus 31 receives a settlement instruction including the settlement amount transmitted from the host device 30 (step S301), the electronic money settlement apparatus 31 enters a state of waiting for the portable terminal 50 that can settle with a plurality of electronic money (step S301). S31). At this time, the electronic money settlement apparatus 31 is in a “waiting for holding” state by outputting a light emission command to the display unit 314 and urging the consumer to hold the portable terminal 50 over the detection surface of the electronic money settlement apparatus. Is notified (step S302). At the same time, a capture command is output to the wireless reader / writer unit 313 (step S303). When the consumer holds the portable terminal 50 over the detection surface of the electronic money settlement apparatus 31, the wireless reader / writer unit 313 sends a capture response to the control unit 310. Return (step S304).

  The control unit 310 that has received the capture response refers to a storage medium built in the portable terminal 50 and searches for an available electronic money brand that detects which type of electronic money is available for electronic payment. Then, the point data (point grant rate information) obtained by referring to the work data storage area 312B of the storage unit 312 is compared with the detected available electronic money brand, and the most of the detected electronic money brands. A process of preferentially selecting electronic money having a high point grant rate is executed (step S32).

  Subsequently, the control unit 310 outputs a light emission command to the display unit 314, notifies the consumer that the portable terminal 50 is still in the “waiting for holding” state (step S305), and notifies the wireless reader / writer unit 313 of a capture command. Is output (step S306). Here, since the portable terminal 50 is continuously held over the detection surface of the electronic money settlement apparatus 31, when the wireless reader / writer unit 313 returns a capture response (step S307), the control unit 310 displays the display unit 314. The light emission command is output to the consumer to notify the consumer that the payment is being processed (step S308).

  Subsequently, settlement processing by the control unit 310 is executed. The payment process here means a process of rewriting the value information of the electronic money stored in the storage medium built in the portable terminal 50 based on the payment amount transmitted from the host device 30. That is, the control unit 310 issues a processing command to the wireless reader / writer unit 313 (step S309), and knows the normal end of the payment processing based on the processing response issued from the wireless reader / writer unit 313 (step S310). And a light emission command is output to the display part 314, and a process end is notified to a consumer (step S311). At the same time, an output command is issued to the voice output unit 316 (step S312), and the voice output unit 316 receiving this outputs a voice message indicating the end of the settlement process.

  Next, the control unit 310 returns a settlement response to the settlement request to the host device 30 (step S313), and outputs a capture command to the wireless reader / writer unit 313 (step S314). Then, it waits for a capture response from the wireless reader / writer unit 313 (step S315), issues a stop command to the audio output unit 316, terminates the audio output (step S316), and simultaneously issues a turn-off command to the display unit 314. Then, the end of the settlement process is notified (step S317). As described above, the consumer who is notified of the end of the payment process by voice and display stops the operation of holding the portable terminal 50 over the detection surface of the wireless reader / writer unit 313.

  FIG. 4 is a flowchart showing the detailed procedure of the electronic money selection process (step S32 in FIG. 3) by the control unit 310 of the electronic money settlement apparatus 31 described above. That is, when executing the electronic money selection process, the control unit 310 outputs a capture command to the wireless reader / writer unit 313, and returns a capture response when the consumer holds the portable terminal 50 over the detection surface of the electronic money settlement apparatus 31. The portable terminal 50 capturing process is executed (step S401). When receiving this capture response (step S402 “Yes”), the control unit 310 executes a search process for available electronic money brands (step S403).

  That is, the control unit 310 communicates with the mobile terminal 50 to refer to a storage medium built in the mobile terminal 50, and depending on the type of electronic money stored in the storage medium, electronic payment using any type of electronic money Detect available electronic money brands that indicate whether The electronic money having the highest point grant rate among the detected available electronic money brands compared to the point data (point grant rate information) obtained by referring to the work data storage area 312B of the storage unit 312. Processing for preferentially selecting a brand is executed (step S404). If there is an electronic money brand with the same point grant rate, an electronic money selection process for selecting according to a predetermined priority order is executed.

  Subsequently, when the control unit 310 detects that the consumer has pressed the point selection operation button by the operation unit 317 (step 405 “Yes”), the point data stored in the work data area 320B of the storage unit 32 (point conversion rate information) ), The process of converting the retained points into points of the point brand having the highest conversion rate is executed (step S406). Finally, the control unit 310 executes an electronic payment process that rewrites the value information of the electronic money stored in the storage medium built in the portable terminal 50 based on the payment amount transmitted from the host device 30 (step S407). ). In this way, when the operation unit 315 (point selection operation button) is pressed, the stored points can be exchanged without being conscious of electronic money having a high conversion rate, so that the usability is improved.

  Next, the operation of the electronic settlement system 1 when acquiring point data will be described with reference to the operation sequence diagram of FIG. Here, an example is shown in which the electronic money settlement apparatus 31 periodically accesses the point management server 20 to acquire point data. That is, the electronic money settlement apparatus 31 performs time monitoring (step S51), and notifies the host device 30 that communication is in progress when a predetermined time has elapsed, and the main control unit 300 performs the point data acquisition during the point data acquisition. Access to the electronic money settlement apparatus 31 is prohibited (step S501), and the communication unit 311 is activated to request point data from the point management server 20 via the communication network 40 (step S502).

  The point management server 20 that has received the point data request communicates, for example, the latest point data including the point grant rate information and the point conversion rate information shown in FIG. 2 to the requested electronic money settlement apparatus 31. Transmission is performed via the network 40 (step S503). The electronic money settlement apparatus 31 that has received the point data executes a point data acquisition process in which the communication unit 311 writes and updates the work data storage area 312B of the storage unit 312 under the control of the control unit 310 (step S52). . Finally, the electronic money settlement apparatus 31 notifies the host device 30 of the normal end of communication based on the point data acquisition (step S504), and releases access from the main control unit 300.

  FIG. 6 is a flowchart showing the detailed procedure of the point data acquisition process performed by the control unit 310 of the electronic money settlement apparatus 31 described above. According to FIG. 6, the control unit 310 constantly monitors the time (step S601), and detects the scheduled transmission time defined in advance (step S601 “Yes”), activates the communication unit 311 and activates the communication network 40. A point data acquisition process is performed in which the point data is requested to the point management server 20 via the path, the latest point data is acquired, and the work data storage area 312B of the storage unit 312 is written and updated (step S602).

  5 and 6, only the example in which the electronic money settlement apparatus 31 periodically accesses the point management server 20 to acquire the point data has been described. You may make it access for every payment demonstrated in Example 2 mentioned later. In any case, every time point data is updated, it is necessary to obtain the latest point data and refresh the point data written in the work data storage area 312B of the storage unit 312.

  According to the electronic money settlement apparatus 31 according to the first embodiment described above, the electronic money having the highest point grant rate among the point data (point grant rate information) acquired from the point management server 20 is automatically and preferentially used. However, for example, when a button indicating that payment is to be made with electronic money having a high point grant rate is assigned to the operation unit 315 and this button is not pressed, The payment may be made with automatically selected electronic money, and when this button is pressed, the payment may be made with manually selected electronic money.

  In addition to the point grant rate, refer to the point valid period or the maximum available point indicated in the point grant rate information, and give priority to the electronic money with the shortest point valid period or the largest available maximum point You may choose to make an electronic payment. According to the former, since the electronic money with the shortest point validity period is automatically selected and electronic payment processing is performed with the selected electronic money, the consumer wants to use the electronic money that he / she wants to use without being aware of the point validity period. It becomes possible to settle with. Further, according to the latter, since the electronic money having the largest number of points that can be used at one time is automatically selected and the electronic payment processing is performed with the selected electronic money, the consumer can use the points that can be used at a time. You can make payments with electronic money you want to use without being aware of the number. Therefore, usability is improved.

Example 2
Next, the operation of the electronic settlement system 1 according to the second embodiment will be described with reference to the operation sequence diagram of FIG. The electronic payment system 1 according to the second embodiment acquires point data by communication and executes a payment process for each payment. For this reason, the difference from the operation sequence diagram of the first embodiment shown in FIG. 3 is that point data acquisition (step S72) is performed between the waiting processing by the control unit 310 (step S71) and the electronic money selection (step S73). ) Has been inserted.

  That is, the electronic money payment apparatus 31 (control unit 310) outputs a light emission command to the display unit 314 and outputs a light emission command indicating that the payment processing is being performed to the consumer (step S705), and then via the communication unit 311. A point data request is issued to the point management server 20 (step S706). The point management server 20 that has received the point data request via the communication network 40 sends the point data (point grant rate information) shown in FIG. 2 to the electronic money settlement apparatus 31 that requested the same, for example, via the communication network 40. Send. In the electronic money settlement apparatus 31 that has received the point grant rate information, the communication unit 311 writes the work money storage area 312B of the storage unit 312 under the control of the control unit 310.

  Thereafter, the control unit 310 refers to the electronic money storage medium built in the portable terminal 50 to detect electronic money information indicating what type of electronic money is available for electronic payment, and stores the work data stored in the storage unit 312. The point grant rate information obtained by referring to the region 312B is compared with the previously detected electronic money information, and the electronic money with the highest point grant rate is preferentially selected from the detected electronic money information. The processing is executed (step S73), and then the settlement processing is performed (step S74), which is the same as the sequence shown in FIG.

  FIG. 8 is a flowchart showing the detailed procedure of the electronic money selection process by the control unit 310 of the electronic money settlement apparatus 31 described above. The difference from the flowchart of the first embodiment shown in FIG. 4 is that there is a point between the brand search process for available electronic money (step S803) and the priority selection process for electronic money with a high point grant rate (step S805). The data acquisition process (step S804) is added.

  In other words, the control unit 310 refers to the storage medium built in the portable terminal 50 when executing the electronic money selection process (step S73 in FIG. 7), and indicates which type of electronic money can be used for electronic payment. After executing the brand search process of available electronic money for detecting information (step S803), the communication unit 311 is activated and a point data request is issued to the point management server 20. Then, the point data is acquired from the point management server 20 via the communication network 40 by communication, and the latest point data is written in the work data storage area 312B of the storage unit 312 (step S804). Then, it compares with point data (point grant rate information) obtained by referring to the work data storage area 312B of the storage unit 312 and preferentially selects the electronic money with the highest point grant rate among the detected electronic money The process is executed (step S805). The process up to execution of the settlement process with the selected electronic money is the same as that in FIG. 4 of the first embodiment.

  Also in the electronic money settlement apparatus 31 according to the second embodiment described above, as in the first embodiment, for example, a button for indicating that payment is made with electronic money having a high point grant rate is assigned to the operation unit 315, and this button is pressed. If not, the payment may be made by electronic money selected automatically as described above, and when this button is pressed, the payment may be made by manually selected electronic money. In addition to the point grant rate, refer to the point valid period or the maximum available point indicated in the point grant rate information, and give priority to the electronic money with the shortest point valid period or the largest available maximum point You may choose to make an electronic payment.

  The electronic money settlement apparatus 31 according to the second embodiment obtains point data through communication with the point management server 20 every time payment is made, in addition to the same effects as the effects of the first embodiment described above. Therefore, although the communication traffic is increased as compared with the second embodiment, since the latest point data can always be obtained, electronic money with a high point grant rate can be selected from time to time, and an electronic device with a high point conversion rate can be selected. Exchange to money becomes possible.

(Effect of embodiment)
As described above, according to the electronic money settlement apparatus 31 according to the present embodiment, when a consumer holds a storage medium that can be settled with a plurality of electronic money over the wireless reader / writer unit 313, the points awarded are the largest. Electronic money is automatically selected, and electronic payment processing is performed using the selected electronic money. This frees consumers from setting priority electronic money and enables them to make payments using electronic money that they want to use without being aware of electronic money with a high point grant rate, thus improving operability and usability. Peeled off. Electronic money with a high point grant rate is often used frequently, and therefore often coincides with the electronic money that the consumer wants to settle, so the highly convenient electronic money settlement apparatus 31 can be provided.

  In addition, the electronic money with the shortest point validity period may be automatically selected and electronic payment processing may be performed with the selected electronic money. In this case, the consumer wants to use without paying attention to the point validity period. It becomes possible to settle with electronic money, and therefore, usability can be improved. Alternatively, the electronic money having the largest number of points that can be used at one time may be selected, and electronic payment processing may be performed using the selected electronic money. In this case, the electronic money having the largest number of points that can be used at one time may be selected. It selects automatically and performs electronic payment processing with the selected electronic money. For this reason, the consumer can make payment with the electronic money he / she wants to use without being aware of the number of points that can be used at one time, thus improving usability.

  Further, when the operation of the operation unit 315 (point selection operation button) is detected, the retained points may be exchanged for points of electronic money having the highest conversion rate. It is possible to exchange possession points without being conscious of electronic money having a rate, and therefore, it is expected to improve usability and convenience. Since the point data is configured to be acquired by communication from a portal site that publishes a plurality of point programs provided by an operator that manages and operates each electronic money, the point data stored in the storage unit 312 is automatically The consumer is provided with the latest point program without being aware of the change of the point program for each electronic money. As the point data, the point data acquired by the maintenance worker offline may be written into the work data area 320B of the storage unit 320 by manual input by the operation unit 317.

  As mentioned above, although preferred embodiment of this invention was explained in full detail, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 1 ... Electronic payment system, 10A-10D ... Electronic money payment server, 20 ... Point management server, 30 ... Host apparatus, 31 ... Electronic money payment apparatus, 40 ... Communication network, 50 ... Portable terminal, 310 ... Control part, 311 ... Communication unit 312... Storage unit 312 A Application storage area 312 B Work data storage area 313 Wireless reader / writer unit 314 Display unit 315 Operation unit 316 Audio output unit

Claims (6)

An electronic money settlement apparatus including a wireless reader / writer unit capable of electronic settlement with a plurality of electronic moneys, which gives points according to a settlement amount,
A storage unit for storing point data given to the settlement amount for each electronic money;
When the storage medium capable of settlement with the plurality of electronic money is held over the wireless reader / writer unit, the electronic device having the largest number of points given to the settlement amount is referred to with reference to the point data stored in the storage unit A control unit that selects money and performs electronic payment processing with the selected electronic money;
An electronic money settlement apparatus comprising: The controller is
When a storage medium capable of settlement with a plurality of electronic money is held over the wireless reader / writer unit, the point data stored in the storage unit is referred to, and the point validity from when the point is granted until the point disappears 2. The electronic money settlement apparatus according to claim 1, wherein electronic money having the shortest period is selected, and electronic settlement processing is performed with the selected electronic money. The controller is
If you hold a storage medium that can be settled with multiple electronic money over the wireless reader / writer unit, refer to the point data stored in the storage unit and select the electronic money with the most points that can be used at one time 3. The electronic money settlement apparatus according to claim 1, wherein electronic settlement processing is performed with the selected electronic money. It has an operation part,
The controller is
When the exchange to the electronic money point by the operation of the operation unit is detected, the point data stored in the storage unit is referred to and the possession point of a certain electronic money is changed to the point of the other electronic money having the highest exchange rate. 2. The electronic money settlement apparatus according to claim 1, wherein the electronic money settlement apparatus is exchanged. The point data is acquired by communication from a portal site that publishes a plurality of point programs provided by an operator that manages and operates each of the electronic money, and is written in the storage unit under the control of the control unit Communication department,
The electronic money settlement apparatus according to claim 1, further comprising: An electronic payment system in which an electronic money payment server managed by each operator operating each electronic money and an electronic money payment device capable of payment by a plurality of electronic money are connected via a communication network,
The communication network is further connected to a point management server that publishes a point program in which points given according to the payment amount by each operator are collected for each electronic money,
The electronic money payment apparatus includes:
The point data given based on the point program is obtained by communicating with the point management server at an arbitrary timing, and the electronic device having the largest point given according to the obtained point data at the time of settlement with the electronic money. An electronic payment system, wherein money is selected and electronic payment is performed with the selected electronic money.

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