JP2018181379A - Settlement terminal and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement terminal which does not cause inconsistency between processing of the settlement terminal and processing of a POS terminal even when money amount information stored in a card is smaller than settlement amount information.SOLUTION: The settlement terminal includes: reception means for receiving settlement amount information from a commodity sales data processor; input means for inputting amount information stored in a card; determination means for determining whether the settlement amount information received by the reception means is smaller or larger than the amount information input by the input means in terms of money amount: settlement control means for performing settlement processing on the basis of the settlement amount information received by the reception means when the determination means determines that the amount information is larger than the settlement amount information in terms of money amount and performing error processing to prohibit settlement processing when the determination means determines that the amount information is smaller than the settlement amount information in terms of money amount; and transmission means for transmitting the settlement processing information or the error processing information generated by the settlement control means to the commodity sales data processor.SELECTED DRAWING: Figure 8

Description

  Embodiments of the present invention relate to a payment terminal and a program.

  The POS terminal, which is a commodity sales data processing apparatus, is connected to a settlement terminal that processes settlement with credit and electronic money. The settlement terminal executes a credit settlement process and an electronic money settlement process based on the settlement amount information received from the POS terminal.

  In the electronic money settlement, when the card amount information stored in the card is larger than the settlement amount information, the settlement terminal executes a settlement process in which the settlement amount information is subtracted from the card amount information. However, when the card amount information is less than the settlement amount information, the settlement terminal executes the following process.

  That is, the settlement terminal executes settlement processing for the amount of the card amount information to complete settlement. Then, the settlement terminal transmits, to the POS terminal, the settlement information for the settled amount. The POS terminal that has received this settlement information sets the settlement error processing because the settlement amount information transmitted by the POS terminal is different from the settlement information received from the settlement terminal.

  As described above, there is a contradiction that the settlement terminal performs settlement processing and the POS terminal performs settlement error processing.

  The problem to be solved by the present invention is to provide a settlement terminal and a program that do not cause contradiction between the processing of the settlement terminal and the processing of the commodity sales data processing apparatus even if the card amount information is less than the settlement amount information. It is.

  The settlement terminal of the embodiment includes a first acquisition unit that acquires a settlement amount for settling a transaction, a second acquisition unit that acquires the amount of electronic money stored in the amount storage, and an amount of the electronic money. If the type of electronic money is a type that prohibits payment when the amount is short for the payment amount, the amount of the electronic money is not used for payment, and the amount of the electronic money is for the payment amount And a payment means for using the amount of the electronic money for payment if there is a shortage and the type of the electronic money is a type for permitting payment.

  A program according to an embodiment includes a computer, a first acquisition unit that acquires a settlement amount for settling a transaction, a second acquisition unit that acquires the amount of electronic money stored in the amount storage, and the electronic money If the type of the electronic money is a type that prohibits payment if the amount is insufficient for the payment amount, the amount of the electronic money is not used for payment, and the amount of the electronic money is the payment amount. If there is a shortage with respect to the type of electronic money and the type of electronic money is a type for permitting payment, the electronic money is used as a payment means for payment.

FIG. 1 is a diagram showing a system configuration of the embodiment. FIG. 2 is a plan view showing the appearance of the settlement terminal. FIG. 3 is a block diagram showing the hardware configuration of the payment terminal. FIG. 4 is a memory map showing a part of the memory of the settlement terminal. FIG. 5 is a functional block diagram showing a functional configuration of the payment terminal. FIG. 6 is a flowchart showing a flow of control processing of the settlement terminal. FIG. 7 is a diagram showing an example of display of the payment terminal. FIG. 8 is a flowchart showing a flow of control processing of the settlement terminal. FIG. 9 is a diagram showing an example of another display of the settlement terminal.

  Hereinafter, embodiments of the payment terminal and the program will be described in detail with reference to the attached drawings. The embodiment described below is an embodiment of a payment terminal and a program, and the configuration, specifications, and the like thereof are not limited. The present embodiment is an application example to a settlement terminal which is introduced to a store such as a supermarket and performs settlement of transactions.

  FIG. 1 is a view showing the configuration of a POS system 1 according to the present embodiment. As shown in the figure, the POS system 1 has a POS terminal 2 as a commodity sales data processing device and a settlement terminal 3. The POS system 1 is connected to a center server 5 such as a credit company or a bank. Further, in the POS system 1, the settlement terminal 3 is connected to the electronic money terminal 4. Further, in the POS system 1, the payment terminal 3 and the electronic money terminal 4 are communicably connected by wire or wirelessly. The payment terminal 3 and the POS terminal 2 and the center server 5 are communicably connected by wire or wirelessly.

  The settlement terminal 3 is a device having a settlement function that performs card settlement processing by reading card information from an IC card, a magnetic card or the like and communicating with a server of a card company.

  The electronic money terminal 4 accesses the non-contact type card in which money information is stored electronically using a near field communication technology such as NFC (Near Field Communication), and the amount of money that can be settled stored in the card It is a terminal that executes payment processing using information (hereinafter referred to as "card amount information"). The electronic money terminal 4 reads out the card amount information from the card and transmits it to the settlement terminal 3.

  The POS terminal 2 is a device that performs commodity sales data processing of a commodity purchased by a customer, and performs settlement processing of one transaction. Further, when performing card settlement such as a credit card or a debit card, the POS terminal 2 performs settlement processing (card settlement processing) of one transaction in conjunction with the settlement terminal 3.

  As shown in FIG. 1, the POS terminal 2 is provided with a display unit 22 for a store clerk and a display unit 23 for a customer on the upper part of the main body 21 of the POS terminal 2. Each of the display units 22 and 23 is constituted by an LCD (Liquid Crystal Display) or an LCD provided with a touch panel on the surface, and displays a product name, a product price, a total price of one transaction, and the like. A keyboard 24 is disposed on the upper surface of the main body 21, and a cash settlement key, a credit settlement key, etc. for selecting a settlement method such as cash settlement or credit settlement are provided. Further, a printer 25 for printing a receipt or the like is provided inside the main body 21. The receipt sheet printed by the printer 25 is issued from a receipt issue port 26 provided in the upper part of the main body 21.

  The center server 5 checks, for example, a negative check of a card in response to an authentication request for payment processing from the payment terminal 3, and then transmits a command for executing authentication to the payment terminal 3.

  Next, the settlement terminal 3 will be described in detail. FIG. 2 is a view showing the appearance of the payment terminal 3, and FIG. 3 is a block diagram showing the hardware configuration of the payment terminal 3. In FIG. 2, a power switch 36 is provided on the side of the main body 31 of the payment terminal 3. Further, an upper surface panel 37 which can be opened and closed with respect to the main body 31 is provided on the upper portion of the main body 31. By opening the top panel 37, the rolled receipt paper can be set inside the main body 31. Further, on the surface of the upper surface panel 37, a display unit 32 in which a touch panel as the operation unit 33 is disposed on the surface is provided.

  At the upper part of the side surface of the main body 31, a card reading unit 34 for reading information stored in a card for payment from the card is provided. As a payment card, for example, a credit card or a debit card can be used.

  Inside the main body 31, there is provided a printing unit 57 (see FIG. 3) for printing information on payment, sales report and the like on the above-mentioned receipt sheet. The printed receipt paper is issued from a receipt issue port 35 provided between the main body 31 and the upper surface panel 37.

  Next, in FIG. 3, the settlement terminal 3 includes a control unit 100 for controlling each unit. As shown in FIG. 3, the control unit 100 sends a central processing unit (CPU) 51 that centrally controls each unit to a read only memory (ROM) 52 and a read only memory (ROM) 52 via a bus line 55 such as an address bus and a data bus. , RAM (Random Access Memory) 53 are connected. Further, a memory unit 54 and a controller 56 are connected to the control unit 100 via a bus line 55. The control unit 100 executes control processing described later by the CPU 51 operating according to the control program 541 stored in the memory unit 54 and expanded in the RAM 53.

  The memory unit 54 is a non-volatile memory such as a flash memory that holds stored information even after the power is turned off, and stores programs including the control program 541. The memory unit 54 also stores the storage unit 542 shown in FIG. In addition, the RAM 53 temporarily stores the information read from the memory unit 54.

  Further, the controller 56 connects the display unit 32 and the operation unit 33. The controller 56 executes various controls based on the command from the control unit 100. The display unit 32 displays various information including the image of the key. The operation unit 33 is a touch panel provided on the display unit 32, and executes various key operations by touching the touch panel at a position corresponding to the key displayed on the display unit 32.

  Further, the controller 56 connects the printing unit 57 and the card reading unit 34. The printing unit 57 draws out the front end of the receipt sheet stored inside the main body 31, and prints payment information and the like on the receipt sheet using, for example, a thermal head. The card reading unit 34 reads card information stored in the payment card magnetically or electrically.

  In addition, the bus line 55 connects the communication I / F (Interface) 59, 60, 61. The communication I / F 59 is connected to the POS terminal 2. The communication I / F 60 is connected to the electronic money terminal 4. The communication I / F 61 is connected to the center server 5. The settlement terminal 3 transmits / receives information to / from the POS terminal 2, the electronic money terminal 4 or the center server 5 via each of the communication I / Fs 59, 60, 61.

  FIG. 4 is a memory map showing the storage unit 542 of the memory unit 54 of the settlement terminal 3. In FIG. 4, the storage unit 542 includes a payment amount storage unit 5421, a payment prohibition flag unit 5422, a payment selection screen information unit 5423, and a card price information storage unit 5424.

  The settlement amount storage unit 5421 stores the settlement amount information included in the settlement command received from the POS terminal 2. The settlement amount information is created based on the total amount information when the POS terminal 2 processes the item information of the item purchased by the customer.

  The settlement prohibition flag unit 5422 sets a settlement prohibition flag “1” when the settlement prohibition key 72 is turned on in FIG. 7 described later in maintenance inspection of the settlement terminal. Further, when the settlement prohibition key 72 is turned off, the settlement prohibition flag unit 5422 sets the settlement prohibition flag “0”.

  The payment selection screen information unit 5423 stores screen information of a payment selection screen 73, which will be described later, displayed on the display unit 32.

  The card amount information storage unit 5424 stores card amount information received from the electronic money terminal 4 and input.

  Next, control of the settlement terminal 3 according to the embodiment will be described with reference to FIGS. 5 to 9. FIG. 5 is a functional block diagram showing a functional configuration of the payment terminal 3. As shown in FIG. In the settlement terminal 3, the control unit 100 operates according to a program such as the control program 541 stored in the memory unit 54 to receive the reception unit 101, the input unit 102, the determination unit 103, the settlement control processing unit 104, the transmission unit 105, The determination means 106, the charge means 107, the shortage amount calculation means 108, the payment revival means 109, and the notification means 110 are realized.

  The receiving unit 101 has a function of receiving settlement amount information from the POS terminal 2 which is a commodity sales data processing apparatus.

  The input means 102 has a function of inputting the amount information stored in the card.

  The judging means 103 has a function of judging whether the payment amount information received by the receiving means 101 is more or less than the amount information inputted by the input means 102.

  If the determination means 103 determines that the amount information is greater than the amount of settlement amount information, the settlement control means 104 executes the settlement processing based on the amount of settlement amount information received by the receiving means 101, and the amount information is the settlement amount information When it is determined that the amount of money is smaller, it has a function of executing an error process that prohibits the settlement process.

  The transmitting means 105 has a function of transmitting settlement processing information or error processing information by the settlement control means 104 to the commodity sales data processing apparatus.

  The determination unit 106 has a function of determining the type of card that can prohibit payment processing.

  The charge means 107 has a function of charging the card with money amount information.

  The shortage amount calculation means 108 has a function of calculating the shortage amount information from the settlement amount information and the amount information.

  The settlement revival means 109 has a function that enables the settlement process to be performed when the money amount information charged by the charge means 107 is more in money amount than the shortage amount information calculated by the shortage amount calculation means 108.

  The notification unit 110 has a function of notifying that the settlement amount information has been received from the POS terminal 2 which is a commodity sales data processing apparatus.

  FIG. 6 is a flowchart showing a flow of control processing of the settlement terminal 3. More specifically, FIG. 6 is a flowchart showing a flow of control processing when a maintenance person or the like performs maintenance inspection of the settlement terminal 3.

  In FIG. 6, the control unit 100 causes the display unit 32 to display a setting screen 71 for performing maintenance and the like (step S11). FIG. 7 shows an example of the setting screen 71 displayed on the display unit 32 by the control unit 100. In FIG. 7, the control unit 100 causes the display unit 32 to display the settlement prohibition key 72. When the settlement prohibition key 72 is operated in the off state, it is turned on, and when it is operated in the on state, it is turned off.

  When the settlement prohibition key 72 is operated to the ON state, the control unit 100 sets the settlement prohibition flag “1” in the settlement prohibition flag unit 5422 of the storage unit 542. Also, when the settlement prohibition key 72 is operated to the OFF state, the control unit 100 sets the settlement prohibition flag “0” in the settlement prohibition flag unit 5422 of the storage unit 542.

  It returns to the explanation of FIG. Next, the control unit 100 determines whether a payment item has been added (step S12). When a new settlement item is added in maintenance and inspection work, a new settlement program is added to the control program 541 of the memory unit 54. The control unit 100 investigates the control program of the memory unit 54 to determine whether to add a new settlement item.

  If it is determined that it has been added (Yes in step S12), the control unit 100 updates the information displayed on the settlement selection screen stored in the settlement selection screen information unit 5423 and adds a new settlement item ((step S12) Step S13).

  When it is determined that the addition of the settlement item is not performed (No in step S12), the control unit 100 determines whether the settlement prohibition key 72 is operated (step S21). If it is determined that the operation has been performed (Yes in step S21), the control unit 100 then determines whether the settlement prohibition key 72 is in the on state (step S22). If it is determined that it is in the on state (Yes in step S22), the control unit 100 sets the settlement prohibition flag of the settlement prohibition flag unit 5422 to "1" (step S23).

  When it is determined in step S22 that the settlement prohibition key 72 is not in the on state (that is, in the off state) (No in step S22), the control unit 100 sets the settlement prohibition flag of the settlement prohibition flag unit 5422 to "0. "" (Step S24). When it is determined that the settlement prohibition key 72 is not operated (No in step S21), the control unit 100 returns to step S11 and stands by.

  FIG. 8 is a flowchart showing a flow of control processing of the settlement terminal 3 at the time of settlement processing. In FIG. 8, the control unit 100 (the receiving unit 101) determines whether a settlement command has been received from the POS terminal 2 (step S41). In the embodiment, when the settlement other than cash is selected in the POS terminal 2, the POS terminal 2 transmits a settlement command for executing the settlement process with the card to the settlement terminal 3, and the communication I / F 59 of the settlement terminal 3 Receives a payment command. The settlement command contains settlement amount information. Control unit 100 stores payment amount information in payment amount storage unit 5421.

  If the control unit 100 determines that a settlement command has been received from the POS terminal 2 (Yes in step S41), the control unit 100 displays a settlement selection screen 73 (step S42). Here, FIG. 9 shows an example of the payment selection screen 73 displayed in step S42.

  In FIG. 9, the control unit 100 causes the display unit 32 to display task keys 81, 82, 83, 84, 85 indicating the type of task including the charge key 84. The charge key 84 is used to update card amount information in order to charge the card in the electronic money settlement. The control unit 100 also displays the type of payment item in the area 91. In the example of FIG. 9, the control unit 100 displays four types of settlement items in the area 91: credit settlement 86, debit settlement 87, XY card settlement 88, and electronic money settlement 89. Therefore, the settlement terminal 3 can execute the settlement process with the four types of cards. That is, the memory unit 54 stores four types of payment processing programs: a credit payment processing program, a debit payment processing program, an XY payment processing program, and an electronic money payment processing program.

  It returns to the explanation of FIG. Next, the control unit 100 (notification means 110) displays a command reception display 90 indicating that the payment command has been received on the payment selection screen 73 of the display unit 32 (step S43). The operator touches and operates the portion of the settlement item desired by the customer from the settlement items 86, 87, 88, 88 displayed on the display unit 32. Control unit 100 determines whether the settlement item operated by the operator is a settlement item of electronic money, that is, whether electronic money settlement is selected (step S44).

  If it is determined that the electronic money payment is selected (Yes in step S44), the control unit 100 (input unit 102) receives the card amount information (step S45). Then, the control unit 100 stores the received card amount information in the card amount information storage unit 5424 (step S45). The card amount information is received by the communication I / F 60 from the electronic money terminal 4 by holding the card over the electronic money terminal 4.

  Next, the control unit 100 (judgment means 103) compares the amount of payment between the payment amount information stored in the payment amount storage unit 5421 and the card amount information stored in the card amount information storage unit 5424. It is determined whether the money amount information is smaller than the payment amount information (step S46).

  When it is determined that the card amount information is less than the payment amount information (Yes in step S46), the control unit 100 determines that the settlement prohibition flag stored in the settlement prohibition flag unit 5422 of the storage unit 542 is "1". It is determined whether there is any (step S47). If it is determined that the settlement prohibition flag is “1” (Yes in step S47), the control unit 100 (determination unit 106) determines whether the card is of a type that can prohibit settlement. (Step S48). It is decided for each issuing company that issued the card whether or not it is a card of a type that can not be settled, and the settlement terminal 3 is a card company that can not be settled and information of a card company that can not be settled And the information of are stored in advance.

  If it is determined that the card is of a type for which payment prohibition is possible (Yes in step S48), the control unit 100 (payment control means 104) prohibits payment processing using the electronic money (step S49). The prohibition of the settlement process with the electronic money means that the settlement process with the electronic money is not performed. In addition, when it is determined that the card is not of a type for which the payment can not be prohibited (No in step S48), the control unit 100 executes the process of step S71 described later.

  Next, control unit 100 determines whether charge key 84 has been operated (step S50). If it is determined that the operation has not been performed (No in step S50), the control unit 100 (error processing means 104) executes an error process in which the settlement is an error (step S51). Then, the control unit 100 causes the display unit 32 to display an error message indicating that the payment process has become an error process and that the card amount is insufficient (step S52). Then, the control unit 100 (transmission unit 105) transmits to the POS terminal 2 that the payment has been subjected to error processing (step S53). The POS terminal 2 having received the error processing information from the settlement terminal 3 cancels the settlement in the POS terminal 2 and executes the error processing.

  On the other hand, when it is determined in step S50 that the charge key 84 has been operated (Yes in step S50), the control unit 100 determines whether the card can be charged (step S61). There are cards that can be charged at the payment terminal 3 and cards that can not be charged for electronic money cards. Cards that can be charged and cards that can not be charged are determined on a card-by-card basis, depending on the structure of the card and the security mechanism of the card. The settlement terminal 3 stores in advance the types of chargeable cards and the types of non-chargeable cards. The settlement terminal 3 receives card type information from the electronic money terminal 4. The control unit 100 (second determination unit 109) determines the type of the received card to determine whether it is a chargeable card.

  If it is determined that the card can not be charged (No in step S61), the control unit 100 executes the error processing in step S51. If it is determined that the card can be charged (Yes in step S61), the control unit 100 (the shortage amount calculation means 108) calculates the missing amount information from the payment amount information and the card amount information ( Step S62). Next, the control unit 100 (charging means 107) charges the card with the card amount information charged by the operator or the customer (step S63). Then, the control unit 100 determines whether the charged amount is sufficient based on the charged amount information and the shortage amount information (step S64). If the charged amount is larger than the shortage amount, the control unit 100 determines that the charged amount is sufficient.

  If it is determined that the charged amount is insufficient (No in step S64), the control unit 100 displays the insufficient amount and the insufficient amount on the display unit 32 (step S65). Then, the control unit 100 returns to step S49 and urges further charging. On the other hand, when it is determined that the charge amount is sufficient (Yes in step S64), the control unit 100 executes settlement processing in step S81 described later.

  Further, when the control unit 100 determines that the settlement prohibition flag is not “1” (ie, “0”) in step S47 (No in step S47), the control unit 100 stores the card amount information storage unit. Payment processing is executed using the card amount information stored in 5424 (step S71). Then, when the settlement process is completed, the control unit 100 displays the end of settlement on the display unit 32 (step S72). Then, the control unit 100 transmits the information indicating the end of the payment and the unsettled amount information to the POS terminal 2 (step S73).

  Some POS terminals 2 can execute settlement on the POS terminal 2 when the amount of the unsettled portion occurs in the settlement terminal 3. When such POS terminal 2 receives the unsettled amount information from the settlement terminal 3, the POS terminal 2 executes settlement processing for the unsettled amount using another settlement means (for example, cash settlement).

  If it is determined in step S46 that the card amount information is not insufficient (No in step S46), the control unit 100 (payment control means 104, payment revival means 109) The electronic money settlement process is executed based on (step S81). Then, when the settlement process is completed, the control unit 100 displays a message indicating the end of the settlement on the display unit 32 (step S82). Then, the control unit 100 (transmission unit 105) transmits information indicating that the electronic money payment is completed to the POS terminal 2 (step S83).

  When it is determined in step S44 that a payment item other than electronic money payment has been selected (No in step S44), control unit 100 executes payment processing corresponding to the selected payment item (step S91). . When it is determined in step S41 that a settlement command has not been received (No in step S41), the control unit 100 executes other processing (step S92).

  According to such an embodiment, since the settlement at the settlement terminal 3 is prohibited when the card amount is insufficient in electronic money settlement, both the settlement terminal 3 and the POS terminal 2 prohibit the settlement. be able to. Therefore, there is no contradiction between the settlement process at the settlement terminal 3 and the settlement process at the POS terminal 2.

  Further, in the embodiment, when the card amount included in the card amount information is insufficient, the settlement terminal 3 charges the card, so that the settlement process can be executed without making the settlement process an error.

  Further, in the embodiment, when charging is performed more than the shortage amount, the settlement terminal 3 can execute the settlement process without causing the settlement process to be an error.

  Further, in the embodiment, since the type of chargeable card is determined and charging is performed in the case of chargeable card, the settlement terminal 3 automatically executes charge processing on the chargeable card. If the card can not be charged, the settlement process can be inhibited and the error process can be executed.

  Further, in the embodiment, since the settlement terminal 3 performs the command reception display 90 indicating that the settlement command has been received, the operator can confirm the reception of the settlement command.

  The embodiments are presented as examples, and are not intended to limit the scope of the invention. This novel embodiment can be implemented in other various forms, and various omissions, replacements, and changes can be made without departing from the scope of the invention. This embodiment and its modifications are included in the scope and the gist of the invention, and are included in the invention described in the claims and the equivalents thereof.

  For example, in the embodiment, the settlement terminal 3 has been described as a separate entity from the POS terminal 2, but both housings may be integrated. Further, the settlement terminal 3 and the electronic money terminal 4 may be integrated.

  The program executed by the payment terminal 3 of the embodiment is a file in an installable format or an executable format and read by a computer such as a CD-ROM, a flexible disk (FD), a CD-R, a DVD (Digital Versatile Disk), etc. It is recorded and provided on a possible recording medium.

  Further, the program executed by the payment terminal 3 of the embodiment may be stored on a computer connected to a network such as the Internet and provided by being downloaded via the network. Also, the program executed by the payment terminal 3 may be provided or distributed via a network such as the Internet.

  Further, the program executed by the payment terminal 3 of the embodiment may be configured to be provided by being incorporated in advance in a ROM or the like.

100 control unit 101 settlement means 102 reception means 103 first determination means 104 error processing means 105 transmission means 106 charge means 107 shortage amount calculation means 108 settlement recovery means 109 second judgment means

JP, 2009-75986, A

Payment terminals embodiment includes a first acquiring means for acquiring the amount of payment to settle a transaction, a second obtaining means for obtaining the amount of the stored electronic money to the amount storage means, the amount of pre-Symbol electronic money And a payment means for using the amount of the electronic money for payment if the amount of the electronic money is insufficient for the payment amount and the type of the electronic money is a type for permitting payment.

Program embodiments, a computer, a first obtaining means for obtaining the amount of payment to settle a transaction, a second obtaining means for obtaining the amount of the stored electronic money to the amount storage means, before Symbol electronic money If the amount of money is insufficient for the amount of payment and the type of electronic money is a type for permitting payment, the electronic money is used as a payment means for payment.

Claims (11)

A first acquisition unit for acquiring a settlement amount for settling a transaction;
A second acquisition unit that acquires the amount of electronic money stored in the amount storage unit;
If the type of electronic money is a type that prohibits payment when the amount of electronic money is insufficient for the payment amount, the amount of electronic money is not used for payment, and the amount of electronic money is Payment means for using the amount of the electronic money for payment if the amount of the payment is insufficient and the type of the electronic money is a type for permitting payment;
Payment terminal having. The electronic payment system further comprises a cash payment means capable of making cash payments on the unsettled amount if there is an unsettled amount after using the amount of the electronic money for payment by the payment means.
The payment terminal according to claim 1. A payment receiving unit for receiving payment of the amount of the electronic money to the amount storage when the amount of the electronic money is not used for payment by the payment unit;
The settlement terminal according to claim 1 or 2. When the amount of the electronic money after the receipt of the deposit is received by the deposit accepting means is insufficient with respect to the settlement amount, the electronic money further has a notifying means for notifying that the amount of the electronic money is insufficient. ,
The settlement terminal according to claim 3. The system further comprises setting means for setting whether to prohibit payment by the settlement terminal when the amount of the electronic money is insufficient for the settlement amount,
If the payment means is set not to prohibit payment in the setting means when the amount of the electronic money is short with respect to the payment amount, the amount of the electronic money is for the payment amount. Use the amount of the electronic money for payment even if the
The settlement terminal according to any one of claims 1 to 4. First acquiring means for acquiring a first amount for settling a transaction;
A second acquisition unit that acquires the second amount stored in the amount storage unit based on the medium;
If the type of medium is a type that prohibits payment when the second amount is short with respect to the first amount, the second amount is not used for payment, and the second amount A payment means for using the second amount for payment if the second amount is insufficient for the first amount and the type of the medium is a type that permits the payment;
Payment terminal having. The payment means may further comprise cash payment means for making it possible to pay with cash to the unsettled amount if there is an unsettled amount after using the second amount for payment by the payment means.
The payment terminal according to claim 6. A payment receiving unit for receiving payment of the second amount to the amount storage when the second amount is not used for payment by the payment unit;
The settlement terminal according to claim 6 or 7. When the second amount of money after receipt of payment by the deposit acceptance means is less than the first amount, the information processing apparatus further comprises notification means for informing that the second amount is insufficient.
The payment terminal according to claim 8. And a setting unit configured to set whether to prohibit payment by the settlement terminal when the second amount is insufficient for the first amount.
If the payment means is set in the setting means not to prohibit payment when the second amount is insufficient for the first amount, the second amount is the first amount. Use the second amount for payment even if the amount is insufficient for
The settlement terminal according to any one of claims 6 to 9. Computer,
A first acquisition unit for acquiring a settlement amount for settling a transaction;
A second acquisition unit that acquires the amount of electronic money stored in the amount storage unit;
If the type of electronic money is a type that prohibits payment when the amount of electronic money is insufficient for the payment amount, the amount of electronic money is not used for payment, and the amount of electronic money is Payment means for using the amount of the electronic money for payment if the amount of the payment is insufficient and the type of the electronic money is a type for permitting payment;
Program to make it work.

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