JP2018200550A - Settlement device and program - Google Patents

Abstract

To allow for effective utilization of data read from a card medium.SOLUTION: A settlement device of an embodiment comprises settlement means which performs settlement processing based on settlement information transmitted from a registration device which performs registration processing of a transaction as a settlement object. The settlement means performs the settlement processing using, in combination, data in a first system read from a card medium and data in a second system read from the card medium.SELECTED DRAWING: Figure 5

Description

  Embodiments described herein relate generally to a settlement apparatus and a program.

  Magnetic cards (magnetic stripe cards), which are card media used for credit card payments, have magnetic stripes on the front and back surfaces, respectively. Magnetic stripes on the front and back sides are magnetically different. Data is recorded. For example, the magnetic data of the magnetic stripe on the front surface is recorded by the JIS method, and the magnetic data of the magnetic stripe on the back surface is recorded by the ISO method. Further, even in an IC card type credit card adopting an IC chip, data equivalent to ISO or JIS magnetic data is recorded in the IC chip. Here, the JIS format data and the ISO format data include, for example, a card issuing company code, a membership number, an expiration date, and the like as common information. In the payment apparatus, at least common information can be acquired and payment processing can be performed. On the other hand, the additional information used in the settlement processing differs between JIS data and ISO data. For example, JIS data includes additional information for a partner company such as a partner company code, business format, partner company ID, and point information. The ISO data includes additional information for a card company such as a service code and an authentication code.

  The settlement apparatus is configured to be able to read both JIS data and ISO data from a magnetic card or IC chip in a magnetic card or IC card reading operation. Then, according to a predetermined priority (JIS priority / ISO priority), information related to the card company (card issuing company code, etc.) included as common information in the magnetic data and related to the handling card company set in the settlement device The payment method is determined by comparing with the information. In other words, since the required information is determined depending on the usage form of the operation destination that operates the settlement apparatus, for example, depending on the business condition of the store, the settlement apparatus uses one of the two types of magnetic data read. Only magnetic data is used for payment processing. That is, only magnetic data including a necessary information is used. For this reason, the settlement apparatus determines the priority of the JIS mode for handling JIS data and the ISO mode for handling ISO data at the time of manufacture or at the installation destination. Some cards have only one type of magnetic data recorded, so instead of fixing to one of the modes, a priority is set, and the higher priority type of magnetic data is attempted to be acquired. If there is no data, it is possible to acquire magnetic data of a method with a lower priority.

  In this way, the settlement apparatus determines which method of magnetic data is used preferentially.

  For this reason, information obtained from both types of magnetic data is used alone, and there is a possibility that optimum operation can be performed by combining information obtained from both types of magnetic data.

Japanese Patent Laid-Open No. 06-282557

  A problem to be solved by an embodiment is to enable effective use of data read from a card medium.

  In one embodiment, the settlement apparatus includes a settlement unit that performs a settlement process based on settlement information transmitted from a registration apparatus that performs a registration process for a transaction to be settled. The settlement means performs settlement processing using a combination of the first method data read from the card medium and the second method data read from the card medium.

The block diagram which shows the utilization condition of the payment apparatus which concerns on embodiment. The block block diagram of the payment apparatus shown by FIG. The figure which shows the flowchart of the credit sales declaration process performed by CPU provided in the payment apparatus in FIG. The figure which shows the 1st part of the detailed flowchart of the data reading process in FIG. The figure which shows the 2nd part of the detailed flowchart of the data reading process in FIG. The figure which shows the detailed flowchart of the payment method determination process in FIG. The figure for demonstrating the 1st table created by ISO handling information and the 2nd table created by JIS handling information. The figure which shows the detailed flowchart of the payment approval process in FIG. The figure which shows an example of the service screen in the sign terminal in FIG. The figure which shows another example of the service screen in the sign terminal in FIG.

Hereinafter, embodiments of a settlement apparatus will be described with reference to the drawings.
FIG. 1 is a block diagram illustrating a usage status of a payment apparatus 10 according to the embodiment.
The payment apparatus 10 may be connected to the reading terminal 20, the pin pad terminal 30, and the sign terminal 40. The payment apparatus 10 is connected to the registration apparatus 50.

  The payment apparatus 10 can perform payment without being linked to the registration apparatus 50, or can be paid to be linked with the connected registration apparatus 50. In the case of performing payment in conjunction with each other, the payment apparatus 10 executes a payment process based on payment information sent from the registration apparatus 50 to the payment apparatus 10.

  For settlement by the settlement apparatus 10, a known settlement method similar to that used in other existing settlement apparatuses can be used. The settlement method is, for example, credit settlement, debit settlement, prepaid settlement, electronic money settlement, or point settlement. Card media are widely used for the above-mentioned various settlements. As the card medium, a magnetic card (magnetic stripe card), a contact IC (Integrated Circuit) card, a non-contact IC card, or the like is applied. Each of these cards records data using a magnetic stripe, a contact IC chip or a non-contact IC chip. In addition, an electronic device (for example, a mobile phone, a smartphone, a tablet PC, or the like) equipped with a non-contact type IC chip may be used for the above various payments.

  The settlement apparatus 10 includes a card reader 101 that reads a magnetic card.

  The reading terminal 20 is provided to read information stored in the non-contact type IC chip. Although not particularly illustrated, the reading terminal 20 includes a reading unit and a display device. The reading unit reads information stored in the non-contact type IC chip in a non-contact manner by wireless communication. The reading unit rewrites information stored in the non-contact type IC chip. The display device displays various information. The various types of information displayed on the display device are, for example, a settlement amount, a sentence that prompts a medium equipped with a non-contact type IC chip to approach the reading unit, or a sentence that notifies that the settlement is completed.

  The pin pad terminal 30 reads information from the contact type IC card. The pin pad terminal 30 includes a card slot, a pin pad, and a display device, although not particularly illustrated. By inserting the contact IC card from the card insertion slot, the electrode provided in the pin pad terminal 30 and the electrode of the contact IC chip mounted on the contact IC card can be brought into contact with each other. The pin pad terminal 30 reads information recorded on the contact type IC chip through the contact between the electrodes. The pin pad includes a numeric keypad, a confirmation button, a correction button, a button to which various functions are assigned, and the like. The pin pad is used to input a personal identification number (pin) by an operation by a shopper. The display device displays a settlement amount, a sentence that prompts the user to insert the contact type IC card into the card slot, or a sentence for notification that the settlement is completed.

  Although not particularly illustrated, the sign terminal 40 has a touch panel including a display device and a touch detection member arranged in a state of being stacked on the display surface of the display device. In the touch panel, when the operator tries to touch the display surface of the display device with a stylus pen or the like, the touch detection member detects the position to be touched and outputs it as coordinate position information. Then, the color of one or a plurality of display pixels corresponding to the coordinate position is changed. The operator enters a signature (signature) on the display surface of the display device with a stylus pen or the like. A sign corresponding to the movement of the operator is displayed on the display surface. Then, in response to a predetermined confirmation operation after the completion of the sign entry operation, the sign terminal 40 takes the sign displayed on the display surface as image data and outputs it to the settlement apparatus 10. Accordingly, the settlement apparatus 10 can use the image data from the sign terminal 40 as card holder verification information at the time of a credit transaction approval inquiry to the card company.

  As a position detection method of the touch detection member in the sign terminal 40, various methods such as a film resistance method, a capacitance method, an electromagnetic induction method, an optical method, and an elastic wave method can be used. As the display device, a liquid crystal display is typically used. Note that the display device includes a backlight.

  The registration device 50 is also referred to as a POS (point of sale) terminal, and is a device having a function of performing registration processing for a product that is a target of a commercial transaction. The registration device 50 has a function of performing a settlement process for the settlement of the price for the registered product. The registration device 50 also has a function of sending payment information to the payment device 10 in order to cause the payment device 10 to perform payment processing. The registration device 50 is not limited to a POS terminal, and an electronic cash register (ECR) may be used.

  Further, the settlement apparatus 10 has a function of transmitting credit transaction information including settlement amount information to the settlement server 60 via a network such as a store LAN (local area network) not shown. The payment server 60 has a function of transmitting credit transaction information from the payment apparatus 10 to the card company 80 via the payment network 70.

  FIG. 2 is a block diagram of the settlement apparatus 10. In FIG. 2, the same elements as those shown in FIG. 1 are denoted by the same reference numerals as those shown in FIG.

  In addition to the card reader 101 described above, the settlement apparatus 10 includes a central processing unit (CPU) 102, a main storage device 103, an auxiliary storage device 104, a communication device 105, a printing machine 106, a graphic controller 107, a display device 108, a touch A detection member 109, a speaker 110, and communication connectors 1051 to 1055 are provided.

  The CPU 102 corresponds to a central part of a computer that performs processing and control necessary for the operation of the settlement apparatus 10. The CPU 102 controls each unit of the payment apparatus 10 to realize various functions as the payment apparatus 10 according to programs such as a basic input / output system (BIOS), an operating system, and application software. Further, the CPU 102 may control the reading terminal 20, the pin pad terminal 30, and the sign terminal 40 via the communication device 105.

  The main storage device 103 corresponds to the main storage portion of the computer. The main storage device 103 includes a read only memory (ROM) and a random access memory (RAM).

  The ROM stores programs such as the BIOS, operating system, or application software. The ROM may store data necessary for the CPU 102 to execute processing for controlling each unit of the payment apparatus 10. The RAM stores data necessary for the CPU 102 to execute processing. The RAM is also used as a work area where information is appropriately rewritten by the CPU 102.

  The auxiliary storage device 104 corresponds to the auxiliary storage portion of the computer. The auxiliary storage device 104 is, for example, an EEPROM (registered trademark) (electrically erasable programmable read-only memory), a hard disk drive (HDD), or a solid state drive (SSD). The auxiliary storage device 104 stores data used when the CPU 102 performs various processes, data generated by the processes in the CPU 102, and the like. The auxiliary storage device 104 may store a program such as the above operating system or application. Sales data and the like may also be stored in the auxiliary storage device 104. The auxiliary storage device 104 also responds to the card processing priority mode indicating the processing priority of data recorded on the card medium, the holder verification mode indicating the card medium holder verification method, and the information content read from the card medium. Various flags are stored. Therefore, the storage area of the auxiliary storage device 104 is provided with a priority storage unit 1041, a verification method storage unit 1042, and a flag storage unit 1043 for storing them.

  The application program stored in the main storage device 103 or the auxiliary storage device 104 includes a control program described regarding control processing described later. As an example, the settlement apparatus 10 is transferred to a user in a state where the control program is stored in the main storage device 103 or the auxiliary storage device 104. However, the settlement apparatus 10 may be transferred to the user in a state where the control program is not stored in the main storage device 103 or the auxiliary storage device 104. Then, the control program separately transferred to the user may be written to the main storage device 103 or the auxiliary storage device 104 under the operation of the user or a service person. The transfer of the control program at this time can be realized by recording on a removable recording medium such as a magnetic disk, a magneto-optical disk, an optical disk, or a semiconductor memory, or by downloading via a network.

  Communication connectors 1051 to 1055 are connected to the communication device 105. The communication device 105 communicates with devices connected to the communication connectors 1051 to 1055. The reading terminal 20, the pin pad terminal 30, the sign terminal 40, and the registration device 50 are connected to the communication connectors 1051 to 1054. The payment server 60 is connected to the communication connector 1055.

  The communication connectors 1051 to 1054 are, for example, terminals for connecting cables conforming to RS-232C, USB (universal serial bus), SCSI (small computer system interface), IEEE 1394, Ethernet (registered trademark), or other interface standards. It is. Note that the payment apparatus 10 may wirelessly communicate with the reading terminal 20, the pin pad terminal 30, the sign terminal 40, and the registration apparatus 50 without using the communication connectors 1051 to 1054. For example, a wireless LAN or Bluetooth (registered trademark) can be used for the wireless communication.

  The communication connector 1055 is, for example, a terminal for connecting an Ethernet cable or a telephone line. Note that the payment apparatus 10 may wirelessly communicate with the payment server 60 without using the communication connector 1055. For example, a wireless LAN or a cellular phone line can be used for the wireless communication. That is, the payment apparatus 10 and the payment server 60 include the Internet, a telephone line network, a mobile phone line network such as 3G or LTE (registered trademark) (long term evolution), a dedicated line, another network, or a combination thereof. It can be connected via a network.

  Note that the number of communication connectors provided in the settlement apparatus 10 is not limited to five. For example, six or more communication connectors may be provided to connect various types of cables or to connect other devices. If wireless communication is used for connection between the payment device 10 and a part of the reading terminal 20, the pin pad terminal 30, the sign terminal 40, the registration device 50, and the payment server 60, a part of the communication connectors 1051 to 1055 is used. May be omitted.

  The printing machine 106 prints a settlement slip or the like. As the printing machine 106, various types of printers such as a thermal printer, an ink jet printer, or a laser printer can be used.

  The graphic controller 107 performs processing of an image to be displayed on the display device 108 and control of the display device 108 under a command from the CPU 102.

  As the display device 108, a liquid crystal display is typically used. Note that the display device 108 includes a backlight. The touch detection member 109 is arranged in a state of being stacked on the display surface of the display device 108. The display device 108 and the touch detection member 109 constitute a touch panel. When the operator touches the display surface of the display device 108 with a finger or the like, the touch detection member 109 detects the position that is the target of the touch operation and outputs it as coordinate position information. That is, the touch detection member 109 is an example of an input unit that inputs an operation by the operator. As a position detection method of the touch detection member 109, various methods such as a film resistance method, a capacitance method, an electromagnetic induction method, an optical method, and an elastic wave method can be used.

  The speaker 110 emits a sound corresponding to the sound signal sent from the CPU 102.

  Hereinafter, the operation of the settlement apparatus 10 will be described. Note that the content of the processing described below is an example, and various processing that can obtain the same result can be used as appropriate.

  FIG. 3 is a flowchart of the credit sales declaration process executed by the CPU 102. The control process shown in this flowchart is performed in response to an operator of the settlement apparatus 10 performing an input operation on, for example, a credit sales declaration button displayed on the touch panel. That is, when detecting that the credit sales declaration button has been input, the CPU 102 starts the control process shown in FIG. 3 according to the control program stored in the main storage device 103 or the auxiliary storage device 104.

  First, the CPU 102 waits for input of a payment amount by credit (Act 101). The payment amount is included in the payment information sent from the registration device 50 to the payment device 10, for example. Alternatively, the settlement amount is input by a touch operation on the touch panel. When the payment amount by credit is input (YES in Act 101), the CPU 102 executes a payment amount input process (Act 102). That is, for example, the CPU 102 receives payment information for payment for a commodity for which a commercial transaction is registered in the registration device 50 by the communication device 105 and stores the payment information in the main storage device 103. Alternatively, the CPU 102 may store the payment amount input by the touch operation on the touch panel including the display device 108 and the touch detection member 109 as the payment information in the main storage device 103. Since the registration process in the registration apparatus 50 and the payment amount input process in the settlement apparatus 10 may be the same as those in the existing registration apparatus and settlement apparatus, description thereof is omitted here.

  When the settlement amount input process is completed, the CPU 102 determines the type of card that can be handled by credit settlement (Act 103). The card type includes a magnetic card, a contact type IC card, a non-contact type IC card, etc., and the type of card that can be handled by the settlement apparatus 10 is set in the setting information file. The setting information file is stored in the auxiliary storage device 104, for example. The CPU 102 refers to the setting information file and determines the type of card that can be handled.

  When the CPU 102 determines a card type that can be handled, the CPU 102 selects a device to be used in accordance with the card type (Act 104). That is, the CPU 102 selects the card reader 101 when a magnetic card is included as a handleable card, selects the pin pad terminal 30 when a contact IC card is included, and includes a non-contact IC card. If so, the reading terminal 20 is selected. Incidentally, the type of device used according to the type of card is also set in the setting information file, and the CPU 102 refers to the setting information file and selects a usable device.

  When the CPU 102 selects a usable device, the CPU 102 causes the display device 108 to display the usable device type (Act 105). At this time, since the usable device becomes operable, the CPU 102 waits for the card to be read via the operable device (Act 106). When it is detected that the card has been read via any device (YES in Act 106), the CPU 102 checks the device to be read (Act 107).

  If the reading destination device is a device corresponding to the magnetic card, that is, the card reader 101 (“Accept magnetic card” in Act 107), the CPU 102 proceeds to the processing in Act 111.

  On the other hand, when the device of the reading destination is a device corresponding to the contact type IC card or the non-contact type IC card, that is, the pin pad terminal 30 or the reading terminal 20 (“ACT card compatible” in Act 107), the CPU 102 Then, the card medium (IC card) holder verification method is checked (Act 108).

  In general, in an IC card type credit card, an IC card holder verification method is determined based on information set in the payment apparatus 10 and the IC card in advance. As a method for verifying the owner of an IC card in a conventional settlement apparatus, a password (pin) input is generally used. However, it is also possible to omit the input of the personal identification number according to the request of the IC card holder and shift to the holder verification method using a signature (signature). On the other hand, there are cases where IC card holder verification methods differ from country to country in each country, and in some countries, the holder verification using a signature rather than a personal identification number is common. Therefore, if priority is given to the input of the password, there is a concern that it will be difficult for a traveler from abroad to operate. Therefore, in the present embodiment, as a card medium (IC card) holder verification method, information indicating whether the PIN code is fixed, the signature is fixed, the PIN code or the signature is selected is set in the setting information file. . The CPU 102 refers to the setting information file and checks the card medium (IC card) holder verification method. Then, the CPU 102 sets information related to the holder verification mode indicating the card medium holder verification method in the verification method storage unit 1042.

  When the CPU 102 finishes checking the owner verification method, it checks whether the owner verification method can select either a personal identification number or a signature (Act 109). If not selectable, that is, if the code number is fixed or the signature is fixed (NO in Act 109), the CPU 102 proceeds to the processing of Act 111.

  On the other hand, when the holder verification method allows selection of either a password or a signature (YES in Act 109), the CPU 102 determines whether the cardholder selects a password or a signature. Is awaited (Act 110). If either the password or the signature is selected by, for example, a touch operation on the touch panel (YES in Act 110), the CPU 102 proceeds to the processing in Act 111. At this time, the CPU 102 stores, in the verification method storage unit 1042, information for identifying whether the personal identification number or the signature is selected as the owner verification method.

  In Act 111, the CPU 102 executes a data reading process. That is, the CPU 102 reads the magnetic card data by the card reading device 101, or the contact type IC card or the non-contact type IC card by the pin pad terminal 30 or the reading terminal 20 in a state where the owner verification method is fixed to the password or the signature. The data of the contact type IC card or the non-contact type IC card is read by the pin pad terminal 30 or the reading terminal 20 in a state where the owner verification method can select either the PIN number or the signature. When either the password or the signature is selected as the holder verification method, the data reading process is executed.

  4A and 4B are flowcharts of data reading processing executed by the CPU 102. FIG. First, the CPU 102 determines the type of the read card medium (Act 201). For example, in Act 107 of FIG. 3, when the device of the reading destination is checked, information indicating which device has been read is stored in the main storage device 103, and the CPU 102 confirms this information, thereby the card. The type can be determined.

  If the CPU 102 determines that the read card medium is a magnetic card (“magnetic card” in Act 201), the CPU 102 determines whether or not the card data stored in the main storage device 103 includes ISO data. (Act 202). If the CPU 102 determines that the ISO data is not included in the card data (NO in Act 202), the CPU 102 advances the control process to the Act 214 in FIG. 4B. That is, if the magnetic card read by the card reader 101 is a card that does not have a magnetic stripe on the back side on which ISO data is to be recorded, or if it is present, the magnetic card is defective. If the data could not be read, the processing from Act 214 is advanced.

  If it is determined in Act 202 that the card data contains ISO data (YES in Act 202), the CPU 102 executes an ISO search process (Act 203). The ISO search process is a process for searching a table of handling card company information stored in advance in the main storage device 103 of the settlement apparatus 10, for example. Information relating to the handling card company set in the settlement apparatus is set in the table. The CPU 102 specifies a table search range from the membership number included in the ISO data, searches the search range, and handles the card company setting number, brand code, and issuing card company (domestic or overseas). Acquire such information.

  As a result of the ISO search process, the CPU 102 determines whether or not the corresponding information, that is, information relating to the handling card company has been acquired from the table (Act 204). When the CPU 102 cannot acquire the corresponding information from the table (NO in Act 204), the control process proceeds to the Act 212 in FIG. 4B.

  When the CPU 102 can acquire the corresponding information from the table in Act 204 (YES in Act 204), the brand code included in the acquired information relating to the handling card company is a preset brand code of the service target. It is determined whether or not there is (Act 205). This is performed by determining whether the value of the first digit of the three-digit service code included in the card data is “2” or “5” (that is, “2XX” or “5XX”). If the CPU 102 determines that the brand code is not the service target (NO in Act 205), the control process proceeds to Act 213 in FIG. 4B.

  If the CPU 102 determines in Act 205 that the brand code of the information relating to the handling card company is the service target brand code (YES in Act 205), whether or not the settlement apparatus 10 can handle the IC card. Is determined (Act 206). This depends on whether the reading terminal 20 or the pin pad terminal 30 is connected to the settlement apparatus 10. If the CPU 102 determines that the reading terminal 20 or the pin pad terminal 30 is not connected to the settlement apparatus 10 and that the IC card cannot be handled (NO in Act 206), the control process is changed to the Act 211 process. Proceed.

  If it is determined in Act 206 that the settlement apparatus 10 can handle the IC card (Yes in Act 206), the CPU 102 transitions from the process for the magnetic card to the process for the IC card (Act 207). Thus, the CPU 102 ends the process for the magnetic card read by the card reader 101.

  On the other hand, when the CPU 102 determines that the card medium read in Act 201 is an IC card (“IC card” in Act 201), the CPU 102 determines whether or not the brand of the IC card is a handling target (Act 208). ). Information related to a brand to be handled by the settlement apparatus 10 is set in a setting information file. The CPU 102 refers to the setting information file and determines whether the brand of the IC card is a handling target. CPU102 complete | finishes the process with respect to the IC card read by the reading terminal 20 or the pin pad terminal 30, when the brand of an IC card is outside a handling object (NO of Act208).

  If it is determined in Act 208 that the IC card brand is to be handled (YES in Act 208), the CPU 102 executes the ISO search process similar to the process in Act 203 (Act 209). As a result of the ISO search process, the CPU 102 determines whether or not information related to the handling card company has been acquired from the search range of the table specified from the membership number included in the ISO data (Act 210). If the CPU 102 determines that the corresponding information cannot be acquired from the table (NO in Act 210), the CPU 102 ends the process for the IC card read by the reading terminal 20 or the pin pad terminal 30.

  When the CPU 102 can acquire the corresponding information from the table in Act 210, that is, the information relating to the handling card company (Yes in Act 210), the CPU 102 advances the control process to the Act 211 process.

  In Act 212 of FIG. 4B, the CPU 102 determines whether or not the card data stored in the main storage device 103 includes JIS data. In other words, if the information relating to the handling card company cannot be obtained from the ISO data included in the card data, the CPU 102 determines whether the card data includes JIS data.

  When the CPU 102 determines that the JIS format data is not included in the card data (NO in Act 212), the CPU 102 performs a display for notifying that the card medium cannot be handled (NO in Act 212) ( Act 220). When the notification is displayed in this way, the CPU 102 ends the process for the magnetic card read by the card reader 101.

  In response to the notification that this handling is not possible, operators such as salespersons and cashiers report to the shopper who makes payment that the card medium cannot be handled, and have the customer change to cash payment. Or change to use a different card medium.

  If it is determined in Act 212 that the card data contains JIS data (YES in Act 212), the CPU 102 advances the control process to Act 214. That is, the CPU 102 cannot obtain information related to the handling card company from the ISO data included in the card data, but if the card data includes JIS data, the control process is the process of Act 214. Will proceed.

  Also in Act 213 of FIG. 4B, the CPU 102 determines whether or not the card data stored in the main storage device 103 includes JIS data. In other words, the CPU 102 obtains information related to the handling card company from the ISO data included in the card data, but if the brand code included in the information is not a service target, the card data includes JIS data. It is determined whether or not. If the CPU 102 determines that the JIS format data is not included in the card data (NO in Act 213), the CPU 102 advances the control process to the Act 211 process.

  If it is determined in Act 213 that the card data includes JIS data (Act 213 YES), the CPU 102 advances the control process to Act 214. That is, when the brand code included in the information related to the handling card company specified from the ISO data included in the card data is not a service target, the CPU 102 performs control when the card data includes JIS data. The process proceeds to the process of Act 214.

  In Act 214, the CPU 102 executes a JIS search process. The JIS search process is a process for searching a table of handling card company information stored in advance in the main storage device 103 of the settlement apparatus 10, for example, and the table search range is specified from the member number included in the JIS data. Is done. By searching this search range, the CPU 102 can acquire information related to the partner company such as the partner company code, business category, and partner company ID.

  As a result of the JIS search process, the CPU 102 determines whether or not the corresponding information, that is, information related to the partner company has been acquired from the table (Act 215). The CPU 102 could not obtain the information corresponding to the table (NO in Act 215), and extracts ISO card company data from the membership number included in the JIS data (Act 216). The CPU 102 executes the ISO search process described above using the extracted ISO card company data (Act 217).

  As a result of the ISO search process, the CPU 102 determines whether or not corresponding information, that is, information relating to the handling card company has been acquired from the table (Act 218). If the CPU 102 fails to acquire the corresponding information from the table (NO in Act 218), the CPU 102 determines whether or not the read card medium corresponds to a card medium having ISO data (Act 219). When the CPU 102 determines that the read card medium corresponds to a card medium having ISO system data (YES in Act 219), the control process proceeds to the above-described Act 211.

  If the CPU 102 determines in Act 219 that the card medium does not fall under the ISO system (No in Act 219), the CPU 102 displays on the display device 108 a notification that the card medium cannot be handled (Act 220). When the notification is displayed in this way, the CPU 102 ends the process for the magnetic card read by the card reader 101.

  If the CPU 102 determines in Act 215 or Act 218 that the corresponding information has been acquired from the table (YES in Act 215, YES in Act 218), the CPU 102 sets a JIS corresponding flag stored in the flag storage unit 1043 (Act 221). If the JIS applicable flag is set in this way, the CPU 102 advances the control process to the above-described Act 211 process.

In Act 211, the CPU 102 determines a card company that handles credits from the card data. That is, the CPU 102 reads the data of the contactless brand non-contact type IC card or the contact type IC card by the reading terminal 20 or the pin pad terminal 30, and if the information related to the handling card company can be acquired from the card data, A card company handling credits is determined from the card data. When the card reading device 101 reads the magnetic card data, the CPU 102 determines a card company that handles credit from the card data when the following conditions are satisfied.
・ Condition 1. The process of Act 202 is “NO”, and the process of Act 215, Act 218, or Act 219 is “YES”.
・ Condition 2 When the Act 204 process is “NO”, the Act 212 process is “YES”, and any of the Act 215, Act 218, or Act 219 process is “YES”.
-Condition 3. The case where Act 205 is “NO” and Act 213 is “NO”.
・ Condition 4 When Act 205 is “NO”, Act 213 is “YES”, and any of Act 215, Act 218, or Act 219 is “YES”.

  When the CPU 102 determines a card company that handles credits, the CPU 102 proceeds to the processing of Act 112 in FIG. In Act 112, the CPU 102 performs a payment method determination process.

  FIG. 5 is a flowchart of the payment method determination process executed by the CPU 102. The CPU 102 first determines whether or not the read card medium corresponds to a card medium having ISO system data (Act 231). When it is determined that the read card medium corresponds to a card medium having ISO system data (YES in Act 231), the CPU 102 determines ISO handling information (Act 232).

  In the settlement apparatus 10, “handling result”, “card company”, “brand”, “issuer”, “multi-currency”, “credit / debit prepaid”, “signature” are handled as ISO handling information for each card company. It has a handling card company information file storing information related to each item of “less”, “payment method” and “customer linkage”. The handling card company information file is stored in the auxiliary storage device 104, for example. The CPU 102 obtains ISO handling information associated with the card company determined in the process of Act 211 from the handling card company information file, and confirms it by creating the first table T1 shown in FIG. The first table T1 is stored in the main storage device 103, for example.

  Incidentally, the item “handling result” is information for identifying whether or not the settlement apparatus 10 can handle the item. The item “card company” is a unique number set for each card company. The item “brand” is a brand code of the card company. The item “issuer” is information for identifying whether the card issuer is domestic or foreign. The item “multi-currency” is information for identifying whether or not the settlement apparatus 10 can perform multi-currency settlement processing. The item “credit / debit prepaid” is information for identifying whether a credit function, a debit function or a prepaid function is provided. The item “signless” is information for identifying whether or not signless is possible. The item “payment method” is information for specifying a payment method such as lump sum payment or installment payment. The item “customer linkage” is information for identifying whether or not the customer point service system is linked.

  When CPU 102 finishes determining ISO handling information, CPU 102 determines whether or not the read card medium corresponds to a card medium having JIS data (Act 233). When the CPU 102 determines that the read card medium does not correspond to a card medium having JIS data (No in Act 233), the CPU 102 proceeds to Act 235.

If the CPU 102 determines in Act 231 that the read card medium does not correspond to a card medium having ISO format data (No in Act 231), or the card medium read in Act 233 has JIS format data. If it is determined that it corresponds to (Yes in Act 233), the JIS handling information is confirmed (Act 234).
In the payment apparatus 10, “handling result”, “card company”, “brand”, “issuer”, “multi-currency”, “credit / debit prepaid”, “signature” as JIS confirmation information for each card company. It has a handling card company information file storing information related to each item of “less”, “payment method” and “customer linkage”. The handling card company information file is stored in the auxiliary storage device 104, for example. The CPU 102 acquires the JIS handling information associated with the card company determined in the process of Act 211 from the handling card company information file, and confirms it by creating the second table T2 shown in FIG. The second table T2 is stored in the main storage device 103, for example.

When the CPU 102 finishes determining the JIS handling information, the CPU 102 proceeds to the processing of Act 235.
In Act 235, the CPU 102 determines a payment method. That is, only the ISO data is included in the card data and only the first table T1 is created, or only the JIS data is included in the card data and only the second table T2 is created. When the first table T1 and the second table T2 are created, the CPU 102 determines a payment method.

  The payment apparatus 10 uses only the ISO mode (first mode) data read from the card medium to perform payment processing, and only the JIS mode (second mode) data read from the card medium. A second mode in which payment processing is performed using a combination mode, and a combination mode in which payment processing is performed using a combination of ISO data read from a card medium and JIS data. The priorities in these three modes are set in the priority storage unit 1041 in advance. Here, the priority storage unit 1041 functions as a priority storage unit.

  Here, when the preset priority is ISO priority, that is, first mode priority, the CPU 102 determines a payment method according to the information in the first table T1. However, when only the second table T2 is created, the CPU 102 determines the payment method according to the information in the second table T2.

  When the preset priority is JIS priority, that is, second mode priority, the CPU 102 determines a payment method according to the information in the second table T2. However, when only the first table T1 is created, the CPU 102 determines the payment method according to the information of the first table T1.

  When the preset priority is the combination mode, the CPU 102 determines the payment method according to the information in the first table T1 or the second table T2 in accordance with the priority condition. The priority condition is based on the presence or absence of the item “handling result” of the ISO handling information and the JIS handling information. However, when only the first table T1 is created, the CPU 102 determines the payment method according to the information of the first table T1, and when only the second table T2 is created, the CPU 102 stores the second table T2. Determine the payment method according to the information.

  The execution of various services is determined by a combination of determination results. For example, regarding the multi-currency service, when the item “brand” is the target, the item “issuer” is outside the country, and the item “multi-currency” is set to be available, the multi-currency service is provided. For example, for a lump-sum payment service using a debit card or prepaid card, if the item “brand” is the target, the item “credit / debit prepaid” is debit prepaid, and the item “payment method” is lump sum, the debit card or prepaid card is used. A lump sum payment service is provided. For example, for the signless service, if the item “brand” is the target, the item “issuer” is domestic or overseas, the item “signless” is possible, and the item “payment method” is a lump sum, the signless service is provided Is done.

Returning to FIG.
When the payment method determination process is performed in Act 112 and the payment method is determined, the CPU 102 waits for the input of the determined payment method (Act 113). For example, when the corresponding payment method is input by a touch operation on the touch panel (YES in Act 113), the type of the card medium read in the data reading process is determined (Act 114). When the card medium is a magnetic card (“Magnetic card” in Act 114), the CPU 102 executes a payment approval process (Act 114).
When the card medium is an IC card (“IC card” in Act 114), the CPU 102 determines whether or not to verify the card holder (Act 115). If the card holder is not verified (NO in Act 115), the CPU 102 executes a payment approval process (Act 114).
When verifying the cardholder (YES in Act 115), the CPU 102 executes a cardholder verification process (Act116). The cardholder verification processing method is set in the handling card company information file. The CPU 102 refers to the handling card company information file, acquires a cardholder verification processing method, and performs verification processing according to the method. For example, when the cardholder verification method is a personal identification number, the CPU 102 accepts a personal identification number input by the pin pad terminal 30. The CPU 102 receives a password, which is cardholder verification information input at the pin pad terminal 30, by the communication device 105 and stores it in the main storage device 103. When the card holder verification process is completed, the CPU 102 executes a payment approval process (Act 114). In addition, when the input of the payment method is unnecessary, the CPU 102 passes through the processing of Act113.

  FIG. 7 is a flowchart of the payment approval process executed by the CPU 102. First, the CPU 102 performs card authentication (Act 301). That is, the CPU 102 sends the authorization information including the card data read by the data reading process of Act 111 in FIG. 3 and the payment method determined by the Act 112 payment process to the settlement server 60 by the communication device 105. Send. Then, the CPU 102 waits for an authorization response indicating normal approval (Act 302).

  Here, when a temporary communication failure occurs in the Ethernet cable or the telephone line connecting the settlement apparatus 10 and the settlement server 60, or the wireless LAN or the cellular phone line, that is, in the section A shown in FIG. Transmission is not completed. When it is determined that the transmission has not been completed, that is, when a communication error occurs in the section A, the CPU 102 determines whether or not to perform retransmission. This may be, for example, determining whether or not a predetermined number of retransmissions have been performed, or determining whether or not the settlement apparatus 10 is permitted to perform retransmissions. When determining that the retransmission is not performed, the CPU 102 advances the control process to the process of Act 303.

  On the other hand, if it is determined that retransmission is to be performed, the CPU 102 executes a retransmission process for transmitting the authorization information to the settlement server 60. When this retransmission processing is completed, the CPU 102 waits for an authorization response indicating normal approval (Act 302).

  The payment server 60 transmits the authorization information transmitted from the payment apparatus 10 to the card company 80 via the payment network 70. Upon receiving an authorization response indicating normal approval from the card company 80, the settlement server 60 returns an authorization response indicating the normal approval to the settlement apparatus 10. On the other hand, a communication error occurs in the section B that is a section between the payment server 60 and the payment network 70 or the section C that is a section between the payment network 70 and the card company 80 as shown in FIG. If the authorization information cannot be transmitted to the card company 80, the settlement server 60 returns a communication error response to the settlement apparatus 10.

  The settlement server 60 can determine whether or not a communication error has occurred in the section B based on whether or not an authorization response from the settlement network 70 has been received. Therefore, when the settlement server 60 determines that a communication error has occurred in the section B, the settlement server 60 transmits a communication error response indicating that a communication error has occurred in the section B to the settlement apparatus 10. Further, the payment network 70 can determine whether or not a communication error has occurred in the section C based on whether or not an authorization response from the card company 80 has been received. Accordingly, when the settlement network 70 determines that a communication error has occurred in the section C, the settlement network 70 transmits a communication error response indicating that a communication error has occurred in the section C to the settlement server 60, and receives the payment server. 60 transmits a communication error response indicating that a communication error has occurred in the section C to the settlement apparatus 10.

  If CPU 102 determines in Act 302 that an authorization response indicating normal approval has been received from settlement server 60 (YES in Act 302), the process proceeds to Act 307.

  On the other hand, when the CPU 102 fails to receive an authorization response indicating normal approval in Act 302 (No in Act 302), the CPU 102 acquires a handling method at the time of communication failure (Act 303). That is, when a communication error response is received from the settlement server 60 or when a time-out occurs without receiving an authorization response indicating normal approval, the CPU 102 acquires a handling method at the time of communication failure.

  The handling method at the time of communication failure of each card company is set in the aforementioned handling card company information file. The CPU 102 refers to the handling card company information file and acquires the handling method at the time of communication failure.

  The CPU 102 analyzes the acquired handling method and determines whether or not a transaction is possible even when there is a communication failure (Act 304). When the transaction is set to be impossible (NO in Act 304), the CPU 102 ends the payment approval process.

  CPU102 confirms whether cancellation operation was performed, when it is a setting which can be traded also at the time of a communication failure (YES of Act304) (Act305). For example, when a cancel button displayed on the touch panel is touched (YES in Act 305), the CPU 102 ends the payment approval process.

  When the cancel operation is not performed, for example, when the execution button displayed on the touch panel is touched (NO in Act 305), the CPU 102 executes communication failure sales processing (Act 306). That is, the CPU 102 executes processing for registering the current credit transaction information in the main storage device 103 as sales data for which payment approval has not been obtained due to the occurrence of a communication failure. Thereafter, the CPU 102 proceeds to the process of Act 307.

  In Act 307, the CPU 102 determines whether or not the card holder verification process has been executed. When the cardholder verification process has been executed (YES in Act 307), the CPU 102 proceeds to the process in Act 312.

  When the cardholder verification process has not been executed (NO in Act 307), the CPU 102 determines whether or not the set cardholder verification method is capable of electronic signature (Act308). If the electronic signature is impossible, that is, if the password has been verified or no sign is received, the processing proceeds to Act 311.

  On the other hand, if the electronic signature is possible, the CPU 102 determines whether or not to use the electronic signature (Act 309). When the password is not input in the verification process, the CPU 102 determines to use the electronic signature (YES in Act 309). And CPU102 receives the signature input by the signature terminal 40 (Act310). The CPU 102 receives the sign image data, which is the cardholder verification information input at the sign terminal 40, by the communication device 105 and stores it in the main storage device 103. When the electronic signature processing is thus completed, the CPU 102 proceeds to the processing of Act 311.

  On the other hand, when it is determined in Act 309 that the electronic signature is not used (NO in Act 309), the CPU 102 proceeds to the process in Act 312.

  Note that the sign terminal 40 used for sign input for cardholder verification is a dedicated terminal, and has not been used for cardholders who do not use a signature as a verification method. Therefore, on the sign terminal 40, by displaying a service screen for displaying point data and sales promotion information, or displaying operation confirmation information for cardholders such as confirmation of point use and issuance of coupons. The sign terminal 40 may be used effectively. FIG. 8A shows, as an example of a service screen displayed on the display screen 41 of the sign terminal 40, a screen displaying point data and a confirmation key when using the point data. Moreover, FIG. 8B has shown the screen which displayed coupon ticket information and its issue confirmation as another example of a service screen. In this case, the coupon ticket can be issued by the printing machine 106 of the settlement apparatus 10.

  In Act 311, the CPU 102 controls the printing press 106 to issue a sales slip. In Act 312, the CPU 102 controls the printing press 106 to issue a handwritten signature sales slip. If the sales slip or the handwritten signature sales slip is issued in this way, the CPU 102 ends the payment approval process.

  When the payment approval process is completed, the CPU 102 ends the process of the flowchart shown in FIG. Thereafter, the CPU 102 waits for the start of the credit declaration process for the next shopper.

  Thus, when the CPU 102 executes control processing based on the control program, the computer having the CPU 102 as a central part functions as a settlement means.

  As described above, according to the present embodiment, the payment processing based on the payment information transmitted from the registration device 50 that performs the registration processing for the transaction to be settled is performed using the JIS method data and the ISO method data read from the card medium. Since the payment process is performed using a combination of these, the data read from the card medium can be used effectively.

  By the way, even if the card companies are the same, the ISO data and the JIS data include different information in addition to the common information. Also, which information is required differs depending on the card company. Moreover, even if the same card company, which information is necessary differs depending on the partner company. Therefore, the card company setting that shows what combination of data is used for each card company and the payment process that is used for each card setting according to the partner company Are stored in the main storage device 103 or the auxiliary storage device 104. These card company settings and card handling settings can be stored when the combination mode is selected as the card processing priority. Then, in the combination process, the combination data is selected according to the card company setting and the card handling setting and the settlement process is performed.

  For example, the ISO system data includes common information A and non-common information B, the JIS system data includes common information A and non-common information C, and the card company is set to the common information A and JIS. When the combination of using the non-common information C of the system is indicated, the settlement processing is performed using the common information A of the ISO system or the JIS system and the non-common information C of the JIS system. However, this is a case where the partner company specified by the partner company code included in the JIS data does not correspond to the card handling setting, and the combination data can be determined only by the card company setting.

  In the case of a partner company corresponding to the card handling setting, settlement processing according to the card handling setting is performed. For example, when the card handling setting indicates a combination of using both ISO and JIS non-common information, ISO or JIS common information A, ISO non-common information B, and JIS non-common information Settlement processing is performed using C.

  The payment apparatus 10 includes a JIS mode in which payment processing is performed using only JIS data read from a card medium, and an ISO mode in which payment processing is performed using only ISO data read from the card medium. Since it has a combination mode in which payment processing is performed using a combination of JIS data read from a card medium and ISO data, payment using only JIS data or only ISO data Processing can also be performed.

  Furthermore, since the priorities in these three modes can be set, an operator such as a service person can make settings according to the operation mode of the operation destination when the settlement apparatus 10 is installed at the operation destination. It has become.

  In the combination mode, the combination method of the JIS method data and the ISO method data is determined based on the information indicating the card company read from the card medium, so the data required by each card company was used. Payment processing is possible.

  Alternatively, in the combination mode, the combination method of the JIS data and the ISO data is determined based on the information indicating the partner company read from the card medium. The settlement processing used can be performed.

  In addition, according to the present embodiment, payment processing using not only a magnetic card but also an IC card as a card medium is possible. In the ISO mode, a payment method is determined based on issuing country information read from the IC card. be able to.

  Furthermore, according to the present embodiment, if the cardholder verification method is selected and set in advance as one of PIN number fixing, signature fixing, and PIN / sign selection, and PIN / sign selection is set. In actual settlement processing using an IC card, a shopper can select either a personal identification number or a signature in advance. As a result, settlement processing for travelers from abroad can be performed smoothly.

The present invention is not limited to the above embodiment.
For example, the priority storage unit 1041, the verification method storage unit 1042, and the flag storage unit 1043 may be provided in the main storage device.

In addition to the function of the payment apparatus 10, the payment apparatus can be realized as having at least one function of the reading terminal 20 and the pin pad terminal 30.
At least one of the reading terminal 20 and the pin pad terminal 30 may not be connected to the settlement apparatus 10.

Instead of the touch panel including the display device 108 and the touch detection member 109, a display device such as a liquid crystal display and an input device such as a keypad may be provided. In this case, the CPU 102 inputs an operation on the input device instead of the touch operation.
The display device 108 may be a display device other than a liquid crystal display such as an organic EL (electric-luminescence) display, a cathode ray tube display, or electronic paper.
The settlement apparatus 10 may have a settlement function using cash or the like.

  In addition, although several embodiments of the present invention have been described, these embodiments are presented as examples and are not intended to limit the scope of the invention. These novel embodiments can be implemented in various other forms, and various omissions, replacements, and changes can be made without departing from the scope of the invention. These embodiments and modifications thereof are included in the scope and gist of the invention, and are included in the invention described in the claims and the equivalents thereof.

    DESCRIPTION OF SYMBOLS 10 ... Payment apparatus, 101 ... Card reader, 102 ... CPU, 103 ... Main storage device, 104 ... Auxiliary storage device, 1041 ... Priority storage part, 1042 ... Verification method storage part, 1043 ... Flag storage part, 105 ... Communication Device: 1051 to 1055: Communication connector, 106: Printing machine, 107: Graphic controller, 108: Display device, 109: Touch detection member, 110: Speaker, 20: Reading terminal, 30: Pin pad terminal, 40: Sign terminal, 41 Display screen 50 Registration device 60 Payment server 70 Payment network 80 Card company

Claims (6)

  Payment processing based on payment information transmitted from a registration device that performs registration processing for transactions subject to payment is used in combination with data of the first method read from the card medium and data of the second method read from the card medium A settlement apparatus comprising settlement means for performing settlement processing. The settlement means is
A first mode in which payment processing is performed using only data of the first method read from the card medium;
A second mode in which payment processing is performed using only data of the second method read from the card medium;
A combination mode in which payment processing is performed using a combination of the data of the first method and the data of the second method read from the card medium;
The settlement apparatus according to claim 1.   3. The settlement apparatus according to claim 2, further comprising priority storage means for storing priorities in the three modes possessed by the settlement means.   The payment means determines a combination method of the data of the first method and the data of the second method based on information indicating a card company read from the card medium in the combination mode. 4. The settlement apparatus according to any one of items 3.   The payment means determines a combination method of the data of the first method and the data of the second method based on information indicating a partner company read from the card medium in the combination mode. 4. The settlement apparatus according to any one of items 3 to 3. A computer that controls a settlement apparatus that performs a settlement process based on settlement information transmitted from a registration apparatus that performs a registration process for a transaction to be settled;
A program for functioning as a payment means for performing a payment process using a combination of data of a first method read from a card medium and data of a second method read from the card medium.