JP2018018519A - Settlement processing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement processing system capable of settlement by making equipment such as a POS at a shop unnecessary and sharing the equipment among shops.SOLUTION: A settlement processing system 1 includes: a settlement terminal enabling shops to share itself; a shop approval device provided at least one for each of the shops for uniquely identifying a shop that has used the settlement terminal; and an approval server for performing approval processing of information uniquely approved by the shop approval device. The settlement terminal includes commercial transaction information input unit, a card information input unit, a shop approval input unit, and a communication unit. The shop approval device uniquely identifies a shop that has used the settlement terminal, the approval server performs approval processing of information uniquely approved by the shop approval device, and these consecutive processes are carried out on a shop-by-shop basis.SELECTED DRAWING: Figure 1

Description

The present invention relates to a payment processing system that eliminates the need for facilities such as POS at stores and can make payments by using the stores in common.

When a commercial activity is performed in a store and a product is sold or a service is provided along with the commercial activity, it is necessary to settle the commercial activity. This settlement process is generally performed using a POS system installed in the store. When the POS system is used, the equipment cost increases, and various settlement systems have been proposed in place of the POS system (Patent Documents 1 to 4).
The proposed payment system acquires information necessary for payment by connecting a reading device such as a credit card to a smartphone or tablet, etc., and uses a communication function such as a smartphone or tablet between the payment server. Payment information is exchanged, and payment processing is performed on the payment server based on the payment information.

JP 2012-252665 A JP 2013-206256 A JP 2014-075038 A Japanese Patent Laid-Open No. 2015-185089

However, when the settlement system disclosed in Patent Literature 1 to Patent Literature 4 is applied to a smartphone or a tablet lent for purchase of goods in a store across a plurality of stores, the same store If used as a payment terminal, there is no problem even if it is used as a payment terminal. However, if it is used as a payment terminal in another store, a problem occurs. That is, even if payment is made at store B using the payment terminal for store A, the store information (fixed) held by the payment terminal does not change, so payment information (store information + product information + credit card information) , It would be wrong information purchased at the A store.
Therefore, even if a smartphone, a tablet, or the like is lent as a payment terminal, there is a problem that it cannot be used in common between, for example, A store and B store.

  As shown in Patent Document 4, in a payment system that lends a payment terminal such as a smartphone or tablet to a purchaser of a product in a store, information related to the store is input to a smartphone or tablet that is lent to the purchaser of the product, Purchasers lent in the same store can use smartphones and tablets, but cannot use them in other stores.

  For example, in a tourist spot, a visitor visiting the tourist spot may purchase a product by walking across the store. By using a smartphone or tablet as a payment terminal instead of a POS system at each different store, If it can be purchased, it is convenient.

  However, when the payment terminals such as smartphones and tablets shown in Patent Literature 1 to Patent Literature 4 are applied to a payment terminal where a visitor visiting a sightseeing spot lends at a different store as in the above example, for the A store Since the store information (fixed) held by the payment terminal does not change even if payment is made at the B store using the payment terminal of No., the payment information (store information + product information + credit card information) is purchased at the A store. The information will be incorrect.

  An object of the present invention is to provide a payment processing system that does not require facilities such as POS in stores and can make payments by using them in common between stores.

  In order to solve the above-described problems, the payment processing system according to the present invention is a payment processing system that performs payment processing of commercial activity in a store using a payment server, and a payment terminal used for the commercial activity in the store is common among the stores. A store approval device for uniquely identifying the store where the payment terminal is used, and an approval process for information uniquely approved by the store approval device An authorization server that performs the transaction, and the payment terminal acquires a card information of a card issued for the merchandise and a merchandise information input unit that obtains information on the merchandise in the store. Information of the store in addition to the input unit, the store approval input unit for acquiring the information of the store uniquely approved by the approval server, and the information on the business and the card information A communication unit that outputs a string with the settlement information to the settlement server, characterized by comprising a.

  The payment terminal of the payment processing system according to the present invention includes a display unit that displays information on the commercial activity input to the commercial activity information input unit, and the store approval device is configured to display the commercial activity displayed on the display unit. The store is uniquely specified in correspondence with the information.

  The payment terminal of the payment processing system according to the present invention has a touch panel, and the store approval device inputs information for uniquely specifying the store on a panel surface of the touch panel.

  The store approval device of the settlement processing system according to the present invention has a plurality of contacts that are brought into contact with the panel surface of the touch panel, and the arrangement of the plurality of contacts on the coordinate plane uniquely identifies the store. It is characterized by constituting information.

  The approval server of the payment processing system according to the present invention stores a store master of information on the store in which the store approval device is arranged and a product master of merchandise to be handled by the store. The store information is read out and output to the store approval input unit of the payment terminal, the product subject to the commercial action is read out and output to the commercial action information input unit of the payment terminal, and the commercial action information input unit is The information of the commercial action is input based on information on a product subject to the commercial action.

  The settlement server of the settlement processing system according to the present invention stores a store master of information on the store in which the store approval device is arranged and a product master of a target item of a commercial action handled by the store, The store information is read out and output to the store approval input unit of the payment terminal, the product subject to the commercial action is read out and output to the commercial action information input unit of the payment terminal, and the commercial action information input unit is The information of the commercial action is input based on information on a product subject to the commercial action.

  In the settlement processing system according to the present invention, two or more store approval devices are arranged in the store where the business action is performed, and the two or more store approval devices each store the store at an arbitrary position in the store. It is characterized by specifying as the same store.

  The store approval device of the payment processing system according to the present invention adds characteristic information for classifying information on commercial activities in addition to the information specifying the store, and the store approval device It is characterized in that statistical information is acquired separately.

  The payment server of the payment processing system according to the present invention performs payment processing based on payment information in which the store information is linked in addition to the information on the commercial activity and the card information.

  As described above, according to the present invention, at least one store approval device is arranged for each store, the store where the payment terminal is used is uniquely identified with the store approval device, and the store approval is provided with an approval server. In order to perform approval processing of information uniquely approved by the device, a series of these processing is executed for each store, and even if a payment terminal is used between stores, the store corresponding to the store that performs payment is used. Information is switched, and the payment terminal can be used in common between stores.

  Since it has the effects as described above, for example, a payment terminal is lent to a foreign tourist, and the same lent payment terminal is used for payment processing of business activities at various different stores in the travel destination. Will be able to.

  Furthermore, according to the present invention, it is not necessary to install other facilities by installing only the store approval device, and the settlement processing can be executed by the settlement server instead of the POS system that increases the facility cost.

  In addition, according to the present invention, a customer card, a payment terminal, and a store approval device are required for payment, but the customer owns the card, each store owns the store approval device, and possesses it Is different. Moreover, since the memory | storage part of a payment terminal does not memorize | store the information regarding a card | curd and a shop, high security can be ensured.

  Further, according to the present invention, the approval server or the settlement server stores the information on the store where the store approval device is arranged and the product master of the merchandise to be handled by the store, and stores the store information and Since the merchandise master can be read out and input to the commercial transaction information input unit of the settlement terminal, the commercial transaction information can be easily input.

  In addition, according to the present invention, since one or more store approval devices are arranged in the store where the business conduct is performed, information regarding the product can be immediately input at the place where the purchaser selects the product, A plurality of salespersons each carry a store approval device, and each salesperson can individually input product information.

  Moreover, according to the present invention, the store approval device has a plurality of contacts that are brought into contact with the panel surface of the touch panel of the payment terminal, and the arrangement of the plurality of contacts on the coordinate plane uniquely identifies the store. Configure. Thereby, since a store approval apparatus can be simplified, it can be provided at low cost.

  Moreover, according to this invention, in addition to the information which specifies the said store, the characteristic information for classifying the information of commercial activity is added, and two or more store approval apparatuses are arranged in the store where commercial activity is performed. , For example, store approval devices such as “by gender” and “by age” can be prepared in the same store, and it becomes possible to obtain statistics by using different store approval devices, so that customers' needs and trends can be known .

It is a block diagram which shows the structure of the payment processing system which concerns on this invention. It is a figure which shows the flow of information between apparatuses in the payment processing system regarding 1st Embodiment, and operation | movement. It is a flowchart of operation | movement in the payment processing system regarding 1st Embodiment. It is a figure which shows an example of the payment display screen for performing the payment displayed on the display part of the payment terminal. It is a figure which shows an example of the payment completion display screen for notifying the payment completion displayed on the display part of the payment terminal. It is a figure which shows the flow and operation | movement of information between apparatuses in the payment processing system regarding 2nd Embodiment. It is a flowchart of operation | movement in the payment processing system regarding 2nd Embodiment. It is a figure which shows the flow and operation | movement of information between apparatuses in the payment processing system regarding 3rd Embodiment. It is a flowchart of operation | movement in the payment processing system regarding 3rd Embodiment.

  The present invention uniquely identifies a payment terminal that can be used in common between stores owned by a customer (rented) and a store in which the payment terminal arranged in the store is used for the settlement process of a commercial activity. It is a payment processing system that can make a payment using a card issued for a customer's business action without using a facility such as a POS at the store. In the following, a case where a postpaid credit card issued by a plurality of credit card companies is used as a card issued for a customer's business will be described as an example. The card is not limited to a card, and may be another card, for example, a prepaid electronic money card. In the following description, the card 33 issued for a commercial action is referred to as a credit card 33.

In this invention, since the memory | storage part of a payment terminal does not memorize | store the information regarding a store and the information which concerns on a customer, the same payment terminal can be utilized in common between other stores.
In addition, for the settlement of the commercial conduct, the credit card 33 possessed by the customer, the settlement terminal 5, and the store approval device 35 disposed in each store are required. The customer has a credit card 33, and the store has a store approval device 35, and the owners are different.

  The best mode for carrying out a settlement processing system according to the present invention will be described below with reference to the drawings.

  FIG. 1 is a block diagram showing a configuration of a payment processing system according to the present invention. As shown in FIG. 1, the payment processing system 1 includes a payment terminal 5 that is owned by a customer or a store and can be used in common between the stores, and a store approval device 35 that is owned by the store and uniquely identifies the store. In order to communicate with the approval server 40 that performs the approval processing of the information uniquely approved by the store approval device 35, the payment server 50 that performs the payment processing of the commercial activity, the payment terminal 5, the approval server 40, and the payment server 50. Communication network 70.

  In addition, the commercial act in the present invention refers to an act involving settlement including merchandise sales at a store, payment of an accommodation fee for a trip, purchase of a ticket, and the like. The store in the present invention means not only a general store installed in a building but also a place where money is paid in a commercial transaction such as a flea market or a wagon sale. In addition, the object of commercial activities in the store includes not only products but also services, etc. If the object can be paid in commercial transactions, it includes not only tangible but also intangibles.

  The settlement terminal 5 is composed of, for example, a tablet terminal and includes a control unit 6 composed of a computer. The control unit 6 of the payment terminal 5 includes an input unit 7, a display unit 17, a card reading unit 30, and a communication unit 25. Note that the payment terminal 5 is not limited to a tablet terminal, and may be another device such as a smartphone or a terminal dedicated for payment, but is not limited thereto.

  The control unit 6 is configured by a computer and controls the entire payment terminal 5. The computer of the control unit 6 stores a settlement program in advance, and performs various settlement processes by executing the settlement program.

  The input unit 7 of the payment terminal 5 is used for inputting information on commercial behavior, approval information, and the like. The commercial behavior information input unit 8 for temporarily storing the business behavior information of the payment terminal 5 and the payment terminal are used. An approval information input unit 9 that acquires and stores information that uniquely identifies a store, a card information input unit 11 that acquires card information read from a card 33 issued for a commercial activity, and a store approval device 35 are unique. And the store approval input unit 12 for acquiring information (store ID) of the store approved by the approval server 40 based on the information specified in the above.

  The business conduct information input unit 8 of the payment terminal 5 inputs and temporarily stores information on the business conduct of the payment terminal 5. Here, the commercial action information is a purchased product name, a monetary amount, and the like input from the display unit. In addition, when the store is a duty-free store and conducts commercial activities related to duty-free goods, information on the passport defined by law may be acquired as information on the commercial activities at the duty-free store.

  Further, when the approval server 40 and the settlement server 50 have a product master, the store information and the product master are read from the approval server 40, and the store information and the merchandise subject to business handled by the store are read from the product master as the business action information. The information may be temporarily stored in the information input unit 8.

The store approval device 35 shown in FIG. 1 is for uniquely identifying a store, uniquely identifies the store, and approves the settlement amount paid by the customer with the credit card 33 for the goods and services as the store. It is a device for.
The approval information input unit 9 of the payment terminal 5 acquires and stores information that is input by the store approval device 35 and uniquely specifies the store where the payment terminal is used.

  The display unit 17 of the settlement terminal 5 displays information on the commercial activity input to the commercial activity information input unit 8. The display unit 17 is of a touch panel type that displays various types of information and can input information. In the settlement process, the coordinates of the plurality of contacts 37 of the store approval device 35 that are in contact with the display unit 17 by the electronic stamp 35 that contacts and approves the store as the store approval device 35 in correspondence with the information on the business conduct. The arrangement on the surface is read, and the arrangement data on the coordinate plane of the plurality of contacts 37 is output to the approval information input unit 9 as store approval information.

The communication unit 25 of the payment terminal 5 includes a payment information output unit 26 and an approval information output unit 27.
The payment information output unit 26 of the payment terminal 5 associates the store information (store ID) stored in the store approval input unit 12 with the information on the business operation stored in the business operation information input unit 8 and the card information in the card information input unit 11. The settled payment information is output to the payment server 50.

  The approval information output unit 27 of the settlement terminal 5 reads out the information (store approval information) input to uniquely identify the store by the store approval device 35 in correspondence with the information on the business conduct from the approval information input unit 9 and reads the approval server. 40, the information of the uniquely approved store (store ID) from the approval server 40 is received, and the store information (store ID) is output to the store approval input unit 12.

  In the present invention, the payment information links the information on the business activities acquired by the business activity information input unit 8, the card information acquired by the card information input unit 11, and the store information (store ID) acquired by the store approval input unit 12. It is attached. Specifically, there are information on business activities such as product name, number of products purchased, amount of goods, consumption tax, total price, card information such as card number of credit card 33, card information such as purchase date, etc. Store information such as a store name that is performed and uniquely specified by the store approval device is included.

  The payment terminal 5 has a card reading unit 30 that reads information of the credit card 33 for payment. The card reading unit 30 shown in FIG. 1 shows a form built in the payment terminal 5, but the card reading unit 30 may be externally connected to the payment terminal 5 to read information on the credit card 33.

  The store approval device 35 shown in FIG. 1 is for uniquely identifying a store, uniquely identifies the store, and approves the settlement amount paid by the customer with the credit card 33 for the goods and services as the store. Hereinafter, an example of using the electronic stamp 35 as the store approval device 35 will be described as an embodiment of the present invention.

  The store where the business operation has been performed is identified and approved by the store approval device 35. However, the store approval device 35 for identifying and approving the store is not limited to the electronic stamp 35, and may be another device. For example, the card reading unit 30 may read a card in which an ID and a password set in advance are input or a code for identifying a store is stored. Moreover, you may make it combine with either the card | curd which memorize | stored the electronic stamp 35 and ID, a password, or the code which identifies a shop. Further, a two-dimensional code for specifying a store, for example, a QR code (registered trademark) may be set, and the QR code may be read by a camera or the like.

  Further, as the store approval device 35, biometric authentication (fingerprint, vein, iris, face), short-range communication, position information, wireless AP (SSID detection), and sound waves may be used to specify the store. For example, it is possible to specify a store from the location information of the store. A store is specified by detecting a wireless access point (SSID detection) in near field communication. It is also possible to specify a store by detecting sound waves from a sound source that emits a specific frequency for each store. It is also possible to specify a store using biometric authentication such as fingerprints, veins, irises, and faces of the person in charge of the store.

  The electronic stamp 35 as the store approval device 35 has an approval information unit 36 and a plurality of contacts 37 that are brought into contact with the panel surface of the touch panel of the display unit 17 in the payment terminal 5. Constitutes information for uniquely identifying the store. In this way, by assigning the store information (store ID) corresponding to the arrangement of the plurality of contacts 37 on the coordinate plane, the store can be uniquely identified. Data information of arrangement on the coordinate plane of the plurality of contacts 37 by contact with the information on the commercial action by the electronic stamp 35 is input to the approval information input unit 9 as store approval information.

  Further, the approval information unit 36 of the store approval device 35 is the same store as the store information that uniquely identifies the store where the payment terminal 5 is used by touching the panel surface (display unit 17) of the touch panel of the payment terminal 5. It is also possible to add characteristic information for categorizing information on business activities within the system and acquire statistical information by using the characteristic information properly. Examples of the characteristic information include “by gender” information, “by age” information, “by clerk” information, and the like.

One or more store approval devices 35 are arranged in the store where the business conduct is performed. In addition, when two or more store approval devices 35 are installed in a store where a commercial activity is performed, two or more store approval devices 35 are stores that have been approved by two or more store approval devices 35 at an arbitrary position of the store. Identify the same store.
By arranging a plurality of store approval devices 35 having different characteristic information in a store, for example, a plurality of electronic stamps 35 having characteristic information set as “by gender”, “by age”, etc. are prepared in the same store. By properly using 35, it becomes possible to add the characteristic information for classifying the commercial action information and acquire statistics, and to know the customer's needs, trends and the like.

Instead of the characteristic information in the approval information unit 36, the meaning of the arrangement on the coordinate plane of the plurality of contacts 37 may include the same store and the characteristic information.
By collecting these characteristic information by the approval server 40 and the settlement server 50, it is possible to obtain statistics on the usage status of the store approval device 35 and, in turn, the usage status of the customer.

  A plurality of contacts 37 are arranged on the electronic stamp 35 as the store approval device 35, and when the plurality of contacts 37 touch the touch panel provided on the display unit 17, information on the arrangement of the plurality of contacts 37 on the coordinate plane. Is stored in the approval information input unit 9 as store approval information. The contact 37 and the touch panel may be a general capacitance type or pressure sensitive type, and are not particularly limited thereto.

The approval server 40 is a server that performs the approval process of the store approval information of the store approval device 35 input to the approval information input unit 9 in the payment terminal 5 and transmits the approval result to the store approval input unit 12 of the payment terminal 5. is there.
As shown in FIG. 1, the control unit 41 of the approval server 40 is connected to a communication network 70 to communicate with the payment terminal 5 and a store approval device stored in the approval information input unit 9 of the payment terminal 5. An approval processing unit 43 that performs the approval process 35 and a store database 44 that stores store information (store ID) corresponding to the store approval device 35.

  The control unit 41 of the approval server 40 is configured by a computer and controls the entire approval server 40. The computer of the control unit 41 stores an approval processing program of the store approval device 35 in advance, and performs various processes by executing the approval processing program of the store approval device 35.

  The approval processing unit 43 of the approval server 40 searches the store database 44 for the store approval information input to the approval information input unit 9 by the store approval device 35 in association with the information on the business conduct, and the information of the store approval device 35 is stored in the store. It is checked whether it is registered in the database 44. When registered in the store database 44, the store approval device 35 performs a process of approving information uniquely identified. For example, when the arrangement on the coordinate plane of the plurality of contacts 37 touched by the electronic stamp 35 is information that uniquely identifies the store, the store information (store ID) stored in the store database 44 is output as approval. To do. Store information (store ID) approved by the approval server 40 is stored in the store approval input unit 12 of the payment terminal 5.

  The store database 44 (shown in FIG. 6) stores store information such as store information (store ID). In order to identify the store, information of the store approval device 35 disposed in the store is stored. For example, when the store approval device 35 is the electronic stamp 35, the arrangement data on the coordinate plane of the plurality of contacts 37 is stored as store approval information, or the characteristic information for classifying the commercial action information is stored. To do. Registration of the store in the store database 44 and update of the content may be provided with means for requesting a change to the manager of the store database 44 at the time of initial registration, or by the store being able to perform maintenance on the Web itself, but is particularly limited. It is not a thing.

  The merchandise master 45 (shown in FIG. 6) stores merchandise items handled by the store, reads store information and merchandise master from the approval server 40, and stores the merchandise information and merchandise items handled by the store. The information is output to the business activity information input unit 8 of the settlement terminal 5 as the business activity information. In the product master 45, information such as the product name in the store, the price of the product, and the discount rate is registered. The maintenance of the contents of the product master 45 may be provided with a means for requesting a change from the store to the manager of the product master 45 or allowing the store to perform maintenance on the Web or the like, but is not particularly limited.

  The settlement server 50 is a server that performs a settlement process based on the settlement information associated with the business activity information, the card information, and the store information output by the settlement information output unit 26.

  As shown in FIG. 1, the payment server 50 includes a communication unit 52 that communicates with the payment terminal 5 by connecting to a communication network 70, a payment processing unit 53 that performs a payment process for information on business activities, store information, and a card. And a database 54 as a storage unit storing information.

  The control unit 51 of the settlement server 50 is configured by a computer and controls the entire settlement server 50. The computer of the control unit 51 stores a settlement processing program for business activity information, and performs various processes by executing the settlement processing program for business activity information.

  The settlement processing unit 53 searches the database 54 based on store information and card information from the settlement terminal 5 and performs settlement processing.

  Specifically, the payment server 50 receives a payment request from the payment terminal 5, and determines whether store information (store ID) and card information from the payment terminal 5 are registered in the database 54 by the payment processing unit 53. After confirmation, the settlement amount is stored together with the store identification information and card information after confirmation. When there is no problem in the settlement process, the settlement terminal 5 is notified of acceptance completion via the communication unit 52. In addition, when there is a problem with the payment process, a notification of non-acceptance is sent to the payment terminal 5 via the communication unit 52.

  The database 54 stores card information of credit cards used by customers. As card information, for example, a customer name, a card number, an expiration date, an upper limit amount, and the like are stored. The card information stored in the database 54 is general card information and is not particularly limited.

  As shown in FIG. 1, the payment terminal 5, the approval server 40, and the payment server 50 are connected via a communication network 70 (communication network). The communication network 70 is not limited to the wide area network such as the Internet and a telephone line network, and may be any network that functions as a communication network (communication network).

[First Embodiment]
Next, settlement processing in the settlement processing system 1 according to the first embodiment will be described with reference to FIGS. FIG. 2 is a diagram showing an information flow and operation between devices in the payment processing system according to the first embodiment, and FIG. 3 is a flowchart of an operation in the payment processing system according to the first embodiment. FIG. 4 is a diagram showing an example of a payment display screen for performing payment displayed on the display unit of the payment terminal, and FIG. 5 is a payment completion display for notifying completion of payment displayed on the display unit of the payment terminal. It is a figure which shows an example of a screen. In the following description, an embodiment using the tablet terminal 5 as the payment terminal 5 and the electronic stamp 35 as the store approval device 35 will be described.

  As shown in FIGS. 2 and 3, the customer or the store inputs the product name and the purchase price of the product to the tablet terminal 5 as the payment terminal 5 (step S1). Further, the product name and the purchase price of the product may be manually input using the keys displayed on the display unit. Further, the two-dimensional code may be read by a built-in camera or the like.

  After inputting the product name and the purchase price of the product, the credit card 33 is set in the card reading unit 30, and the tablet terminal 5 reads out the card information and inputs the card information into the card information input unit 11 (step S2). .

  After reading the card information, the tablet terminal 5 displays the information on the business activities (purchased products) in the store and the credit card information (card information) on the display unit 17 of the tablet terminal 5 as shown in FIG. (Step S3). The information on the commercial behavior displayed on the display unit 17 includes information on the product name, number of products purchased, the price of the product, the consumption tax, the total price, the purchase date, etc. The credit card information includes the name of the card company, the credit card Includes type, card number, card expiry date, etc. Further, in the lower right portion of the display unit 17, a contact area 18 for contacting the electronic stamp 35 indicated by a dotted line is displayed. The tablet terminal 5 incorporates an application for recognizing the coordinate information of the contact 37 of the electronic stamp 35 in contact with the contact area 18 as store information uniquely specified by the electronic stamp 35.

  The person in charge of the store brings the electronic stamp 35 into contact with the contact area 18 of the display unit 17 of the tablet terminal 5 (step S4). The arrangement information on the coordinate plane of the plurality of contacts 37 of the electronic stamp 35 that has been in contact with the contact area 18 is read by an application incorporated in the tablet terminal 5 and is input to the approval information input unit 9 as store approval information (step). S5).

  The tablet terminal 5 reads the store approval information of the electronic stamp 35 from the approval information input unit 9, and transmits it from the approval information output unit 27 to the approval server 40 via the communication network 70 (step S6).

The approval server 40 searches the store database 44 storing store information using the received information as a key, and performs an approval process for determining whether or not the store uniquely identified by the electronic stamp 35 is included in the store database 44. If the store database 44 includes a store uniquely identified by the electronic stamp 35, the store information (hereinafter referred to as store ID) is acquired (step S7). The approval server 40 returns the acquired store ID to the payment terminal 5 (step S8).
The store ID approved by the approval server 40 is input to the store approval input unit 12 of the payment terminal 5. Thereby, the store is specified by the electronic stamp 35 brought into contact with the payment terminal 5, and approval for payment at the store is obtained. When the store information ID approved by the approval server 40 is input to the store approval input unit 12, information on the approved store is displayed in the contact area 18 shown in FIG. The approved store information includes settlement time, store ID, store name, person in charge and the like.

  On the other hand, when the approval server 40 cannot acquire the store ID from the information of the electronic stamp 35, a notification that the store is not approved is notified to the tablet terminal 5, and a display indicating that the store is not approved is displayed on the display unit 17 ( Step S15).

  After the acquisition of the store ID by the approval server 40, the tablet terminal 5 receives the commercial activity information acquired by the commercial activity information input unit 8, the card information acquired by the card information input unit 11, and the acquired by the store approval input unit 12. Settlement information associated with the store ID is created (step S9).

  The settlement information output unit 26 in the communication unit 25 from the tablet terminal 5 transmits the settlement information in which the store ID (store information) is linked to the above-described commercial action information and card information to the settlement server 50 via the communication network 70. (Step S10).

  The settlement server 50 performs a settlement process for the settlement information from the tablet terminal 5 (step S11). Specifically, the settlement server 50 checks whether the store handles, for example, a product based on the approved store ID and the information on the business conduct, and then uses the approved store ID and card information. Based on this, it is checked whether or not the card payment in the store is possible, and if these checks are OK, the payment processing is executed.

  As described above, the store ID approved when checking the business information and card information in the store is linked, and the store ID is switched between stores using the payment terminal. Even if the payment terminal is used, the store information is switched corresponding to the store where the payment is made, and the payment terminal can be used in common between the stores.

  The settlement server 50 returns the settlement result of the settlement process to the tablet terminal 5 (step S12). Further, the settlement information and the result of the settlement process are stored in the settlement database 54 (step S13).

  The tablet terminal 5 displays the settlement result from the settlement server 50 (step S14). FIG. 5 shows an example in which the settlement result is displayed on the display unit 17 of the tablet terminal. As shown in FIG. 5, “settled” is displayed superimposed on the display of information to be settled shown in FIG.

  On the other hand, if the payment server 50 fails in the payment process, the payment failure information is output to the tablet terminal 5, and the tablet terminal 5 displays a message indicating that the payment is not successful (step S16).

  The tablet terminal 5 automatically deletes payment information such as card information and store ID after a predetermined time after receiving a payment end notification from the payment server 50. In addition, before deleting the payment information, if the store is a duty-free store and a business operation related to a duty-free product is performed, a form or the like defined by law may be printed. By automatically erasing the payment information, the tablet terminal 5 does not store data such as card information and store ID. Therefore, the tablet terminal 5 is returned to the lender, or is lost to others due to an accident such as loss. Even if you pass, these important data will not be leaked.

[Second Embodiment]
Next, settlement processing in the settlement processing system according to the second embodiment will be described with reference to FIGS.

  In the first embodiment, the customer or the store manually inputs the product name and the purchase price of the product on the tablet terminal 5 as the settlement terminal 5 manually using the keys displayed on the display unit. ing. However, with such an input, not only is it time-consuming to input at the customer or the store side, but there may be cases where the commercial action is not performed correctly due to an input error or the like. Therefore, in the present embodiment, the approval server 40 stores a store master (store database) 44 of information on the store where the store approval device 35 is arranged and a product master (product database) 45 of merchandise to be handled by the store. The stored store information is read out from the store master 44 and input to the approval information input unit 9, and the merchandise item is read out from the product master 45 and output to the commercial activity information input unit 8 of the payment terminal 5. Then, the commercial behavior information input unit 8 is configured to input the information on the commercial behavior based on the target product of the commercial behavior.

FIG. 6 is a diagram showing the flow and operation of information between devices in the payment processing system according to the second embodiment, and FIG. 7 is a flowchart of the operation in the payment processing system according to the second embodiment.
In the following description, an embodiment using the tablet terminal 5 as the settlement terminal 5 and the electronic stamp 35 as the store approval device 35 will be described.

  In the settlement processing system according to the second embodiment, a store is first specified on the tablet terminal 5 by the electronic stamp 35, and a commercial action is started.

  When starting a commercial act, first, a contact area 18 indicated by a dotted line is displayed on the display unit 17 of the tablet terminal 5 at the lower right of the display unit 17. As shown in FIG.6 and FIG.7, the person in charge of a shop contacts the electronic stamp 35 to the contact area 18 of the display part 17 of the tablet terminal 5 (step S20).

  The tablet terminal 5 reads the arrangement on the coordinate plane of the plurality of contacts 37 of the electronic stamp 35 that is in contact with the contact area 18 and inputs it into the approval information input unit 9 as store approval information (step S21).

  The tablet terminal 5 reads the store approval information from the approval information input unit 9 and transmits it from the approval information output unit 27 to the approval server 40 via the communication network 70 (step S22).

  The approval server 40 searches the store database 44 storing store information using the received information as a key, and acquires a store ID that is store information (step S23).

  In addition, the approval server 40 calls a product handled by the store from the product master 45 which is a database storing products to be handled by the store ID (step S24), and obtains information on the product master related to the store ID. Return to the tablet terminal 5 (step S25).

  Then, a plurality of products handled by the store and the purchase price of the products are displayed on the display unit 17 of the tablet terminal 5 from the product master 45 (step S26). The customer or the store side selects and inputs the product name and the purchase price of the product on the display unit 17 of the tablet terminal 5 (step S27). Thus, the input of the product name and the purchase price of the product is selected from the list displayed on the display unit 17 that is output from the approval server 40 that stores the product master 45 that stores the product to be commercialized, Enter the product name and the purchase price of the product.

  On the other hand, the store ID approved based on the store master 44 of the approval server 40 is input to the store approval input unit 12 of the payment terminal 5. As a result, the store is uniquely identified by the electronic stamp 35 that is in contact with the tablet terminal 5, and the contact area 18 shown in FIG. 4 contains information about the store such as the time of settlement, the store ID, the store name, and the person in charge. Displayed and approved for settlement at the store. On the other hand, when the approval server 40 cannot acquire the store ID from the information of the electronic stamp 35, a notification that the store is not approved is notified to the tablet terminal 5, and a display indicating that the store is not approved is displayed on the display unit 17 ( Step S36).

  Next, after inputting the product name and the purchase price of the product, the credit card 33 is set in the card reading unit 30, and the tablet terminal 5 reads out the card information and inputs the card information into the card information input unit 11 ( Step S28).

  After reading out the card information, the tablet terminal 5 associates the store ID acquired by the store approval input unit 12 with the information on the commercial activity acquired by the commercial activity information input unit 8 and the card information acquired by the card information input unit 11. The payment information is created (step S29).

  After creating the payment information, the tablet terminal 5 displays the payment information in which the store ID is associated with the business activity information and the card information on the display unit 17 of the tablet terminal 5, as shown in FIG. Among the payment information to be settled displayed on the display unit 17, the information on the commercial action includes information such as the product name, the number, the price of the product, the consumption tax, and the total price of the purchased product. The card information includes information such as the card company name, credit type, card number, card expiration date, and purchase date. The store information includes information such as a store ID, a store name, and a person in charge. Further, in the lower right portion of the display unit 17, a contact area 18 for contacting the electronic stamp 35 indicated by a dotted line is displayed. The tablet terminal 5 incorporates an application for recognizing the coordinate information of the contact 37 of the electronic stamp 35 in contact with the contact area 18 as store information uniquely specified by the electronic stamp 35.

  Next, a settlement button (not shown) is displayed on the display unit 17. This is a payment button for the store to approve payment after the customer and the store confirm the display contents.

  The person in charge of the store presses the settlement button on the display unit 17 of the tablet terminal 5 (step S30). Instead of the settlement button, the electronic stamp 35 may be contacted again.

  When the payment button is touched, the tablet terminal 5 associates the store ID acquired by the store approval input unit 12 with the information on the commercial activity acquired by the business activity information input unit 8 and the card information acquired by the card information input unit 11. Settlement information is transmitted to the settlement server 50 (step S31). The payment information output unit 26 in the communication unit 25 from the tablet terminal 5 transmits the payment information to the payment server 50 via the communication network 70.

  The settlement server 50 performs a settlement process for the settlement information from the tablet terminal 5 (step S32). Specifically, the settlement server 50 is handled by the store based on the approved store ID and the information on the business conduct. For example, it is checked whether or not it is a product, and then whether or not the card payment in the store is possible based on the approved store ID and card information, and these checks are OK Execute the settlement process.

  In the second embodiment, not only the effects of the first embodiment can be obtained, but also the approval server 40 includes a store master (store database) 44 and store information of the store where the store approval device 35 is arranged. Stores the merchandise master (product database) 45 of the merchandise subject to merchandise handled by the customer, reads the stored store information and merchandise subject merchandise from the masters 44 and 45, and stores the merchandise information of the payment terminal 5. Since it outputs to the input part 8 and the merchandise information input part 8 is inputting the said information of merchandise based on the information of a store and the goods for merchandise, it can save the effort of the customer or the store side input Not only can input mistakes be eliminated, but business activities can be performed correctly.

  The settlement server 50 returns the settlement result of the settlement process to the tablet terminal 5 (step S33). Further, the settlement information and the settlement process result are also stored in the database 54 for settlement (step S34).

The tablet terminal 5 displays the settlement result from the settlement server 50 (step S35). FIG. 5 shows an example in which the settlement result is displayed on the display unit 17 of the tablet terminal 5. As shown in FIG. 5, “settled” is displayed superimposed on the display of information to be settled shown in FIG.
On the other hand, if the payment server 50 fails in the payment process, the payment failure information is output to the tablet terminal 5, and the tablet terminal 5 displays a message indicating that the payment is not successful (step S37).

  The tablet terminal 5 automatically deletes payment information such as card information and store ID after a predetermined time after receiving a payment end notification from the payment server 50. In addition, before deleting the payment information, if the store is a duty-free store and a business operation related to a duty-free product is performed, a form or the like defined by law may be printed. By automatically erasing the payment information, the tablet terminal 5 does not store data such as card information and store ID. Therefore, the tablet terminal 5 is returned to the lender, or is lost to others due to an accident such as loss. Even if you pass, these important data will not be leaked.

  In the payment processing system according to the second embodiment, the approval of the store in the information of the store approval device 35 is first performed by the approval server 40, the store is specified, and the product information is acquired from the product master. Etc. and the input process of the amount of money are simplified, and high-speed processing becomes possible. Further, it is possible to prevent an input error due to manual input.

  In the second embodiment, the approval server 40 includes the store master and the product master. However, the settlement server 50 is the store master of the store information in which the store approval device 35 is arranged and the object of the business action handled by the store. The product master of the product is stored, the stored store information is read out and output to the store approval input unit 12 of the payment terminal 5, and the product subject to the commercial operation is read out and the business operation information input unit 8 of the payment terminal 5 is read out. The commercial action information input unit 8 may be configured to input the information on the commercial action based on the information on the target product of the commercial action.

[Third Embodiment]
Next, settlement processing in the settlement processing system according to the third embodiment will be described with reference to FIGS. FIG. 8 is a diagram showing the flow and operation of information between devices in the payment processing system according to the third embodiment, and FIG. 9 is a flowchart of the operation in the payment processing system according to the third embodiment.

  In the payment processing system according to the third embodiment, the authentication of the card information is performed by the authentication server by providing an authentication server instead of the payment server.

  The authentication server includes a communication unit connected to the communication network 70, an authentication processing unit that performs card authentication, and a database that stores card information.

  As shown in FIGS. 8 and 9, the customer or the store inputs the product name and the purchase price of the product to the tablet terminal 5 as the settlement terminal 5 (step S40). Further, the product name and the purchase price of the product may be manually input using the keys displayed on the display unit. As in the first embodiment, the two-dimensional code may be read by a built-in camera or the like.

  After inputting the product name and the purchase price of the product, the credit card 33 is set in the card reading unit 30, and the tablet terminal 5 reads out the card information and inputs the card information into the card information input unit 11 (step S41). .

  Next, after reading the card information, the tablet terminal 5 outputs the card information to the authentication server 60. The authentication server 60 searches the database for the card information from the tablet terminal 5 and authenticates whether it is a valid card by the authentication processing unit (step S42). The authentication result is output to the tablet terminal 5. At this time, the tablet terminal 5 temporarily inputs the card information and the card authentication result to the card information input unit 11.

  On the other hand, the authentication server 60 checks whether the card is valid from the card information. If the card authentication is not possible, a notification that the card authentication is not possible is sent to the tablet terminal 5 and a display indicating that the card cannot be used is displayed on the display unit 17 (FIG. Not shown) (step S55).

  After reading the card information, the tablet terminal 5 displays the information on the business activities (purchased products) in the store and the credit card information (card information) on the display unit 17 of the tablet terminal 5 as shown in FIG. (Step S43). The information on the commercial behavior displayed on the display unit 17 includes information on the product name, number of products purchased, the price of the product, the consumption tax, the total price, the purchase date, etc. The credit card information includes the name of the card company, the credit card Includes type, card number, card expiry date, etc. Further, in the lower right portion of the display unit 17, a contact area 18 for contacting the electronic stamp 35 indicated by a dotted line is displayed. The tablet terminal 5 incorporates an application for recognizing the coordinate information of the contact 37 of the electronic stamp 35 in contact with the contact area 18 as store information uniquely specified by the electronic stamp 35.

The person in charge of the store brings the electronic stamp 35 into contact with the contact area 18 of the display unit 17 of the tablet terminal 5 (step S44). The arrangement information on the coordinate plane of the plurality of contacts 37 of the electronic stamp 35 that has been in contact with the contact area 18 is read by an application incorporated in the tablet terminal 5 and is input to the approval information input unit 9 as store approval information (step). S45).
The tablet terminal 5 reads the store approval information from the approval information input unit 9 and transmits it from the approval information output unit 27 to the approval server 40 via the communication network 70 (step S46).

The approval server 40 searches the store database 44 storing store information using the received information as a key, and performs an approval process for determining whether or not the store uniquely identified by the electronic stamp 35 is included in the store database 44. If the store uniquely identified by the electronic stamp 35 is included in the store database 44, the store ID, which is the store information, is acquired (step S47). The approval server 40 returns the acquired store ID to the payment terminal 5 (step S48). The store ID approved by the approval server 40 is input to the store approval input unit 12 of the payment terminal 5. Thereby, the store is specified by the electronic stamp 35 brought into contact with the payment terminal 5, and approval for payment at the store is obtained. When the store information ID approved by the approval server 40 is input to the store approval input unit 12, information on the approved store is displayed in the contact area 18 shown in FIG. The approved store information includes settlement time, store ID, store name, person in charge and the like.
On the other hand, when the approval server 40 cannot acquire the store ID from the information of the electronic stamp 35, a notification that the store is not approved is notified to the tablet terminal 5, and a display indicating that the store is not approved is displayed on the display unit 17 ( Step S56).

After the acquisition of the store ID by the approval server 40, the tablet terminal 5 uses the store approval input unit 12 to acquire the store information acquired by the store information input unit 8 and the card information acquired by the card information input unit 11. The settlement information linked with the ID is created (step S49).
The settlement information output unit 26 in the communication unit 25 from the tablet terminal 5 transmits the settlement information in which the store ID (store information) is linked to the above-described commercial action information and card information to the settlement server 50 via the communication network 70. (Step S50).

  The settlement server 50 performs a settlement process for the settlement information from the tablet terminal 5 (step S51). Specifically, the settlement server 50 checks whether the store handles, for example, a product based on the approved store ID and the information on the business conduct, and then uses the approved store ID and card information. Based on this, it is checked whether or not the card payment in the store is possible, and if these checks are OK, the payment processing is executed.

  As described above, the store ID approved when checking the business information and card information in the store is linked, and the store ID is switched between stores using the payment terminal. Even if the payment terminal is used, the store information is switched corresponding to the store where the payment is made, and the payment terminal can be used in common between the stores.

  The settlement server 50 returns the settlement result of the settlement process to the tablet terminal 5 (step S52). Further, the settlement information and the settlement processing result are also stored in the database 54 for settlement (step S53).

The tablet terminal 5 displays the settlement result from the settlement server 50 (step S54). FIG. 5 shows an example in which the settlement result is displayed on the display unit 17 of the tablet terminal. As shown in FIG. 5, “settled” is displayed superimposed on the display of information to be settled shown in FIG.
On the other hand, when the settlement server 50 fails in the settlement process, the settlement process failure information is output to the tablet terminal 5, and the tablet terminal 5 displays a settlement failure message on the display unit (step S57).

  In this way, by providing the authentication server 60 for authentication of card information, the authentication of the card is performed by the authentication server 60, the approval of the store approval device is performed by the approval server 40, and the settlement of accounts is shared by the settlement server 50. By doing so, the burden on each server is reduced, and the security of the payment processing system can be further improved.

  As described above, according to the present invention, at least one store approval device is arranged for each store, the store approval device is used to uniquely identify the store where the payment terminal is used, and the approval server In order to perform the approval process of information uniquely approved by the store approval device, these series of processes will be executed for each store, and the store information is switched between stores using the payment terminal, Even if the payment terminal is used between the stores, the store information is switched corresponding to the store where the payment is made, and the payment terminal can be used in common between the stores.

  In addition, according to the present invention, it is not necessary to install other facilities by installing only the approval device, and the settlement process can be executed by the settlement server instead of the POS system in which the facility cost increases.

  In addition, according to the present invention, a customer card, a payment terminal, and a store approval device are required for payment, but the customer owns the card, each store owns the store approval device, and possesses it Is different. Moreover, since the memory | storage part of a payment terminal does not memorize | store the information regarding a card | curd and a shop, high security can be ensured.

  Further, according to the present invention, the approval server or the settlement server stores the information on the store where the store approval device is arranged and the product master of the merchandise to be handled by the store, and stores the store information and Since the merchandise master can be read out and input to the commercial transaction information input unit of the settlement terminal, the commercial transaction information can be easily input.

  In addition, according to the present invention, since one or more store approval devices are arranged in the store where the business conduct is performed, information regarding the product can be immediately input at the place where the purchaser selects the product, A plurality of salespersons each carry a store approval device, and each salesperson can individually input product information.

  Moreover, according to the present invention, the store approval device has a plurality of contacts that are brought into contact with the panel surface of the touch panel of the payment terminal, and the arrangement of the plurality of contacts on the coordinate plane uniquely identifies the store. Configure. Thereby, since a store approval apparatus can be simplified, it can be provided at low cost.

  Moreover, according to this invention, in addition to the information which specifies the said store, the characteristic information for classifying the information of commercial activity is added, and two or more store approval apparatuses are arranged in the store where commercial activity is performed. For example, by preparing store approval devices such as “by gender” and “by age group” in the same store, it becomes possible to obtain statistics by using the store approval devices properly, and know customer needs, trends, etc. it can.

  The present invention can be embodied in many forms without departing from its essential characteristics. Therefore, it is needless to say that the above-described embodiment is exclusively for description and does not limit the present invention.

1 Payment processing system 5 Payment terminal (tablet terminal)
6 Control unit (computer)
7 Input unit 8 Commercial information input unit 9 Approval information input unit 11 Card information input unit 12 Store approval input unit 17 Display unit 18 Contact area 25 Communication unit 26 Settlement information output unit 27 Approval information output unit 30 Card reading unit 33 Card (credit card)
35 Store Approval Device 36 Approval Information Unit 37 Contact 40 Approval Server 41 Control Unit 42 Communication Unit 43 Approval Processing Unit 44 Store Master 45 Product Master 50 Settlement Server 51 Control Unit 52 Communication Unit 53 Settlement Processing Unit 54 Database 60 Authentication Server 70 Communication network

Claims (9)

In a payment processing system that uses a payment server to perform payment processing for commercial activities at a store,
The payment terminal used for business activities in the store can be used in common between the stores,
At least one store for each store, a store approval device for uniquely identifying the store where the payment terminal is used;
An approval server for performing an approval process for information uniquely approved by the store approval device;
Have
The payment terminal is
A commercial behavior information input unit for acquiring information on the commercial behavior in the store;
A card information input unit for obtaining card information of a card issued for the commercial action;
A store approval input unit for acquiring information of the store uniquely approved by the approval server;
A communication unit that outputs the payment information associated with the store information in addition to the information on the business conduct and the card information to the payment server;
A payment processing system comprising: The payment terminal has a display unit for displaying information on the commercial activity input to the commercial activity information input unit,
The settlement processing system according to claim 1, wherein the store approval device uniquely identifies the store in association with the information on the commercial behavior displayed on the display unit. The payment terminal has a touch panel;
The payment processing system according to claim 1, wherein the store approval device inputs information for uniquely specifying the store on a panel surface of the touch panel. The store approval device has a plurality of contacts to be brought into contact with the panel surface of the touch panel,
The payment processing system according to claim 3, wherein the arrangement of the plurality of contacts on the coordinate plane constitutes information that uniquely identifies the store. The approval server stores a store master of information on the store where the store approval device is arranged and a product master of merchandise to be handled by the store, and reads the stored store information. Output to the store approval input unit of the payment terminal, read out the target product of the commercial action and output to the commercial action information input unit of the payment terminal,
The payment processing system according to any one of claims 1 to 3, wherein the commercial behavior information input unit inputs the information on the commercial behavior based on information on a target product of the commercial behavior. The settlement server stores a store master of information on the store where the store approval device is arranged and a product master of merchandise to be handled by the store, and reads the stored store information. Output to the store approval input unit of the payment terminal, read out the target product of the commercial action and output to the commercial action information input unit of the payment terminal,
The payment processing system according to any one of claims 1 to 3, wherein the commercial behavior information input unit inputs the information on the commercial behavior based on information on a target product of the commercial behavior. Two or more store approval devices are arranged in the store where the business conduct is performed,
The payment processing system according to claim 1, wherein the two or more store approval devices specify the stores as the same store at arbitrary positions in the store. In addition to the information for identifying the store, the store approval device adds characteristic information for classifying information on commercial activities,
The payment processing system according to claim 7, wherein the store approval device acquires statistical information by using the property information for each characteristic information.   The payment processing system according to claim 1, wherein the payment server performs a payment process based on payment information in which the store information is linked in addition to the commercial action information and the card information.

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