JP2020077082A - Settlement terminal, program, and settlement method - Google Patents

Abstract

To provide a settlement terminal that can surely notify a clerk of a member store whether or not signatureless settlement is applicable.SOLUTION: A settlement terminal 1 includes: an identification information acquisition part 15 that acquires identification information used for settlement; a payment amount reception part 13 that receives an input of a payment amount; a storage part 54 that stores signatureless limit amount information; a signatureless settlement determination part 105 that determines whether or not the signatureless settlement is possible based on identification information, the payment amount, and the signatureless limit amount information; and a display part 12 that displays the determination result of the signatureless settlement determination part.SELECTED DRAWING: Figure 1

Description

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

In various payment terminals typified by a credit card payment terminal that performs payment using a credit card, card information is read from the credit card and a payment slip of the credit card is output. The signature of the holder of the credit card is written on this settlement slip.
In order to avoid the trouble of printing a payment slip or sending a signed payment slip to a credit card company, and avoiding cashier congestion, signless payment is introduced in small-value transactions.

  In signless settlement, the maximum transaction amount that can be settled is determined between the credit card company and each member store. For this reason, in transactions that exceed the maximum amount of signless settlement, it is necessary to verify the identity (signature, etc.).

  Whether or not the transaction can be applied with the signless settlement is left to the judgment of the clerk of each member store. For this reason, it is easy to make an error in determining whether or not the signless settlement is applicable. In addition, since an extra burden is put on the store clerk, it is hindering improvement of convenience of the store clerk. Further, in a transaction in which signless settlement is not applied, if the settlement slip is not signed by the customer, the member store may be lost.

JP, 2013-164727, A

  The problem to be solved by the present invention is to provide a payment terminal, a program, and a payment method capable of reliably transmitting to a clerk of a member store whether or not signatureless payment is applicable.

  The payment terminal of the embodiment is an identification information acquisition unit that acquires identification information used for payment, a payment amount reception unit that receives an input of a payment amount, a storage unit that stores signless limit amount information, the identification information, A signless payment determination unit that determines whether or not signless payment is possible based on the payment amount and the signless limit amount information, and a display unit that displays a determination result of the signless payment determination unit.

  The payment terminal of the embodiment includes a printing unit that prints a payment slip and a confirmation button that confirms the determination result of the signless payment determination unit. When the confirmation button is pressed, the printing unit causes the card payment slip to be displayed. The payment terminal according to claim 1, wherein the payment terminal is printed.

  In the payment terminal of the embodiment, the display unit is a touch panel that displays operation operations, and displays the confirmation button.

  In the payment terminal of the embodiment, the printing unit prints the determination result of the signless payment determination unit on the payment slip.

  The program of the embodiment includes a storage control unit that causes a computer to store signless limit amount information in a storage unit, identification information acquired by an identification information acquisition unit for use in payment, and a payment amount received by a payment amount reception unit. And signless settlement determination means for determining whether or not signless settlement is possible based on the signless limit amount information stored in the storage section, and display control means for displaying the determination result of the signless settlement determination means on the display section. , And make it work.

  A payment method according to an embodiment includes a storage step of storing signless limit amount information, an identification information acquisition step of acquiring identification information used for payment, a payment amount acceptance step of accepting an input of a payment amount, the identification information, A signless payment determination step of determining whether or not a signless payment is possible based on the payment amount and the signless limit amount information, and a display step of displaying a determination result of the signless payment determination step.

It is a perspective view showing an example of composition of settlement terminal 1 of one embodiment. 2 is a block diagram showing a hardware configuration of payment terminal 1. FIG. It is a functional block diagram which shows the functional structure of the payment terminal 1. It is a flow chart which shows signless settlement processing. (A), (b) is a figure which shows the example of a display of the display part 12, (c), (d) shows the example of printing of a card settlement slip.

  Hereinafter, a signature input device and a payment terminal according to embodiments will be described with reference to the drawings. In each drawing, the same reference numerals are given to the same configurations.

FIG. 1 is a perspective view showing a configuration example of a payment terminal 1 of the embodiment.
The payment terminal 1 includes a power switch 16 on the side of the main body 10. Further, the payment terminal 1 includes a top panel 11 that is openable and closable with respect to the main body 10 on the top of the main body 10. The payment terminal 1 can set a roll-shaped receipt paper inside the main body 10 when the top panel 11 is opened. The top panel 11 also includes a display unit 12 provided with a touch panel that is an operation unit 13. The display unit 12 is, for example, a touch panel display or the like, and displays operation operations and the like.

  The payment terminal 1 includes a card reading unit (identification information acquisition unit) 15 on the upper side surface of the main body 10 for reading information stored in a payment card for payment from the payment card.

  The payment terminal 1 includes, inside the main body 10, a printing unit 57 (see FIG. 2) that prints information related to payment, a sales report, and the like (card payment slip) on the above-mentioned receipt paper. The printed receipt paper is issued from a receipt issuing port 14 provided between the main body 10 and the top panel 11.

FIG. 2 is a block diagram showing the hardware configuration of the payment terminal 1.
The payment terminal 1 includes a control unit 100 for controlling each unit. The control unit (computer) 100 includes a CPU (Central Processing Unit) 51 that centrally controls each unit, a ROM (Read Only Memory) 52, and a RAM (Random Access Memory) 53. The CPU 51 connects to the ROM 52 and the RAM 53 via a bus line 55 such as an address bus and a data bus.

  The CPU 51 of the control unit 100 expands the program stored in the ROM 52 or the storage unit 54 into the RAM 53. Then, the CPU 51 controls the settlement terminal 1 by operating according to the program loaded in the RAM 53. Further, the control unit 100 is connected to the storage unit 54, the controller 56, and external I / Fs (Interfaces) 58, 59, 60, 61 via the bus line 55.

  The storage unit 54 is a non-volatile memory such as a flash memory that retains stored information even when the power is turned off. The storage unit 54 also stores a program including the control program 541. The control program 541 is, for example, a payment program used at the time of payment processing of the payment terminal 1.

  The controller 56 is connected to the display unit 12, the operation unit 13, the printing unit 57, and the card reading unit 15. The controller 56 executes various controls based on commands from the control unit 100. The display unit 12 displays various kinds of information including an image of a key for operating the payment terminal 1. For example, the key is a change candidate key described later. The operation unit 13 (payment amount receiving unit) is a touch panel provided on the display unit 12, and accepts various key operations by touching the touch panel at a position corresponding to a key displayed on the display unit 12.

  The printing unit 57 includes a platen roller and a print head. The platen roller pulls out and conveys the receipt paper stored inside the main body 10 by rotating it. The print head is, for example, a thermal head. The print head prints the details of the product purchased by the customer (card payment slip) on the receipt paper conveyed by the platen roller. The card reading unit 15 reads the card information stored magnetically.

The external I / F 58 is connected to the center server or the like via a wired or wireless communication line (for example, the Internet or a LAN (Local Area Network)).
The external I / Fs 59, 60, 61 are connected to external devices.
The external I / F 59 is used to connect to the POS terminal 5.
The external I / F 60 is used to connect to the electronic money terminal 2. The electronic money terminal 2 reads the card information from the non-contact IC card.
The external I / F 61 is used for connection with the pin pad terminal 3. The pin pad terminal 3 reads card information from a credit card, a debit card, or the like.
The payment terminal 1 transmits / receives various information to / from the electronic money terminal 2, the pin pad terminal 3, the POS terminal 5, and the like via the external I / Fs 59, 60, 61.
The payment terminal 1 reads card information from a payment card via the electronic money terminal 2, the pin pad terminal 3, or the card reading unit 15 and uses it for payment.

The payment card is a card used for payment by a credit card, a debit card, a contactless IC card, or the like. The payment card has a storage medium that stores identification information for identifying the payment card as information that enables payment. The payment terminal 1 can identify the customer and make a payment by reading the identification information.
Such payments are cashless payments, such as post-pay (post-payment) using a credit card, real-time payment (immediate payment) using a debit card or QR code (registered trademark), and prepaid (contactless IC card). Prepayment method) is included.

The storage unit 54 stores the payment information table T, the signless application information S, and the like.
The payment information, for example, stores payment identification information, card brand, product information, and amount of money as input information. The payment identification information is identification information that can identify the payment. The card brand is the brand of the payment card used for payment. The product information is identification information that can identify the product or service to be purchased. The amount of money is the amount of money for the product or service to be purchased.
The signless application information S is the maximum amount of transactions to which the signless settlement is applied. In other words, it is the maximum amount to which signless settlement is applied.

Next, control of the payment terminal 1 of the embodiment will be described.
FIG. 3 is a functional block diagram showing a functional configuration of the payment terminal 1.
The control unit 100 of the payment terminal 1 operates according to a program such as the control program 541 stored in the storage unit 54, so that the payment card reading unit 101, the input control unit 102, the display control unit 103, the signless payment determination unit 105. And functions as the settlement unit 107.

The payment card reading unit 101 reads card information from the payment card via the card reading unit 15. The card information is information that enables payment using a credit card, and is, for example, identification information that can identify a customer or card information.
The product information and the payment amount (the sum of the product price and the consumption tax) may be received from the POS terminal 5 connected via the external I / F 59 and stored in the payment information table T.

  The input control unit 102 accepts inputs of various key operations via the operation unit 13 which is a touch panel provided on the display unit 12. As a result, the input control unit 102 receives the input of payment information regarding the payment processing related to one transaction. More specifically, the input control unit 102 receives an input for selecting the card brand of the payment card, an input for product information, and the like. Then, the input control unit 102, which is a storage control unit, stores the plurality of pieces of information input in each step in the payment information of the payment information table T.

  The display control unit 103, which is a display control unit, displays various information on the display unit 12. In particular, the display control unit 103 displays the determination result of the signless settlement determination unit 105 (signless settlement possible or signless settlement impossible) on the display unit 12.

  The signless payment determination unit 105, which is a signless payment determination unit, compares the payment information (payment amount) stored in the payment information table T with the signless payment limit amount stored in the signless application information S, and signs. Judge whether or not payment is possible. Specifically, if the payment amount is less than or equal to the signless payment limit amount, it is determined that the signless payment is possible, and if the payment amount exceeds the signless payment limit amount, the signless payment is not possible.

  The payment unit 107, which is a payment means, uses the payment information stored in the payment information table T to execute payment related to one transaction.

Next, a process (payment method) for executing signless payment using the payment terminal 1 will be described.
FIG. 4 is a flowchart showing the signless settlement process.

The signless settlement process is performed at the end of the credit settlement process.
First, the card information is read (step S1). The operator of the payment terminal 1 (clerk of the member store) inserts the credit card into the card reading unit 15 to read the card information from the credit card.
Next, the operator of the payment terminal 1 performs various key operations via the operation unit 13 (touch panel) provided on the display unit 12 to input payment information. Specifically, the payment amount (transaction amount) is input (step S2), and then the payment method (lump sum payment, installment payment) is input (step S3). Further, a credit inquiry is made to the credit card company (step S4). That is, the payment terminal 1 connects to the credit inquiry server via the external I / F 58.

When the payment terminal 1 receives the reply from the credit inquiry server, the payment terminal 1 confirms whether the credit card payment has been established (step S5).
When the credit card payment is successful, it is determined whether or not the signless payment is possible.
On the other hand, when the credit card payment is not successful, the printing unit 57 is driven to issue the card payment slip (slip for card company) and the customer copy (so-called receipt). The fact that the credit card payment is not successful is printed on the card payment slip (step S14). Then, the credit settlement process (signless settlement process) is stopped.

To determine whether or not signless settlement is possible, first, it is confirmed whether or not the store where the credit settlement process is performed is a store where the signless settlement is permitted (step S6). It is confirmed whether or not the signatureless settlement permission information is stored in the signatureless application information S of the storage unit 54.
If the signless payment permission information is stored in the signless application information S, the store is permitted to signless payment, and if it is not stored, the store is not allowed to signless settlement.

  In the case of a store where the signless payment is permitted, it is subsequently determined whether or not the payment amount allows the signless payment (step S7). The signless payment upper limit amount stored in the signless application information S of the storage unit 54 is compared with the payment information (payment amount) stored in the payment information table T. If the payment amount is less than the signless payment limit amount, it is determined that the signless payment is possible, and if the payment amount exceeds the signless payment limit amount, the signless payment is impossible.

If the payment amount is less than the signless payment limit, signless payment is performed.
First, the fact that signless settlement is possible is displayed on the display unit 12 (step S8, FIG. 5A). This surely informs the operator of the payment terminal 1 that signless payment will be performed.
Further, a "confirmation button" is displayed on the operation unit 13 of the display unit 12 (step S9). This is to allow the operator of the payment terminal 1 to approve the signless payment. Then, it waits until the "confirmation button" is pressed.
When the operator presses the “confirmation button” displayed on the operation unit 13, the printing unit 57 is driven to issue the card payment slip and the customer copy. On the card payment slip, the fact that the payment is signed is printed (step S10). That is, the credit card holder's signature field is not printed on the card payment slip (FIG. 5C).
In this way, the credit settlement process and the signless settlement process are completed.

Returning to step S6 and step S7, if the payment amount exceeds the signless payment limit in the store where the signless payment is not permitted, the credit card holder is signed without performing the signless payment. Is performed.
First, the fact that signless settlement is not possible is displayed on the display unit 12 (step S11, FIG. 5B). This surely informs the operator of the payment terminal 1 that the signless payment is not performed.
Furthermore, a "confirmation button" is displayed on the operation unit 13 of the display unit 12 (step S12). This is to allow the operator of the payment terminal 1 to approve that the signless payment is not performed (the signature of the holder of the credit card is requested). Then, it waits until the “confirmation button” is pressed.
When the operator presses the "confirmation button" displayed on the operation unit 13, the printing unit 57 is driven to issue the card payment slip and the customer copy (step S13). On the card payment slip, the fact that the payment is not signless is printed. Specifically, the credit card holder's signature field is printed on the card payment slip (FIG. 5D).
Therefore, the operator of the payment terminal 1 presents the card payment slip to the holder of the credit card and asks for the signature.
In this way, the credit settlement process (non-signless settlement process) is completed.

  As described above, in the payment terminal 1, the control unit 100 (signless payment determination unit 105) determines whether or not signless payment is possible based on the card information, the payment amount, and the signless limit amount information. Then, the determination result is displayed on the display unit 12. Therefore, it is possible to notify the operator of the settlement terminal 1 of whether or not the signless settlement is possible (whether or not the signature of the holder of the credit card is requested).

A “confirmation button” is displayed on the operation unit 13 which is a touch panel, and when the “confirmation button” is pressed, the printing unit 57 prints the card payment slip. As a result, the operator of the payment terminal 1 can surely approve whether or not signless payment is required (whether or not to ask for the signature of the holder of the credit card).
Further, the printing unit 57 prints on the card payment slip whether or not the signless payment is possible (a judgment result of the signless payment judgment unit). Therefore, the owner of the credit card can surely recognize whether or not the signless settlement is necessary (whether or not the signature is required).

In the above-described embodiment, the case where the determination result of the control unit 100 (signless settlement determination unit 105) is displayed on the display unit 12 has been described, but the present invention is not limited to this. A dedicated display unit (for example, LED or the like) may be provided on the top panel 11 of the payment terminal 1.
A warning alarm may be sounded at the same time as the display on the display unit 12.

  In the above-described embodiment, the case where the “confirmation button” is displayed on the operation unit 13 which is a touch panel has been described, but the present invention is not limited to this. A dedicated “confirmation button” may be provided on the top panel 11 of the payment terminal 1.

The payment terminal 1 is not limited to a dedicated terminal including the card reading unit 15 and the printing unit 57. The payment terminal 1 may be a tablet computer or a smartphone. That is, the card reading unit or the printing unit may be connected to the tablet computer or the smartphone to function as the payment terminal 1. The card reading unit and the printing unit are not limited to the wired connection and may be a wireless connection. It may be the case where the printing unit is not provided.
The storage unit that stores the signless limit amount information and the signless payment determination unit that determines whether or not the signless payment is possible may be provided in a dedicated server. In other words, a tablet computer or the like is connected to a dedicated server via the Internet to perform credit payment processing and signless payment processing. In this case, the tablet computer or the smart phone functions as the payment amount acceptance unit and the display unit.
The payment amount acceptance unit is not limited to the operation unit 13, and may be a case where the payment amount acceptance unit is received from the external I / F 58 to 61 or the like.

  The card information is not limited to being stored in a credit card. The card information may be stored in a smartphone or an IC chip. Not only the case of using the card information but also the case of making a payment by using the identification number associated with the card information as a key. That is, the card information is an example of identification information used for cashless payment. In other words, the identification information includes a credit card number, an identification number associated with the credit card number (for example, biometric authentication information), and the like.

  In the above-described embodiment, the case of printing a card payment slip (slip for a card company) has been described, but the present invention is not limited to this. It may be a case where the holder of the credit card makes an electronic signature on the touch panel display or the like of the payment terminal 1.

  The embodiments of the present invention 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 spirit of the invention. These embodiments and modifications thereof are included in the scope and gist of the invention, and are also included in the invention described in the claims and the equivalent scope thereof.

1 payment terminal
12 Display
13 Operation part (payment amount reception part)
15 Card reading unit (identification information acquisition unit)
54 storage
57 Printing section
100 Control unit (computer)
101 payment card reader
102 Input control unit
103 display control unit
105 Signless payment determination unit (signless payment determination means)
107 Payment Department
541 Control program

Claims (6)

An identification information acquisition unit that acquires identification information used for payment,
A payment amount reception section that receives input of payment amount,
A storage unit for storing signless limit amount information,
A signless payment determination unit that determines whether or not a signless payment is possible based on the identification information, the payment amount, and the signless limit amount information,
A display unit that displays the determination result of the signless payment determination unit;
Payment terminal equipped with. A printing unit that prints the payment slip,
A confirmation button for confirming the determination result of the signless payment determination unit,
Equipped with
The payment terminal according to claim 1, wherein when the confirmation button is pressed, the printing unit prints the card payment slip.   The payment terminal according to claim 2, wherein the display unit is a touch panel that displays operation operations, and displays the confirmation button.   The payment terminal according to claim 2, wherein the printing unit prints the determination result on the payment slip. Computer,
Storage control means for storing the signless limit amount information in the storage part;
A signature for determining whether or not a signless payment is possible based on the identification information acquired by the identification information acquisition unit for use in payment, the payment amount received by the payment amount reception unit, and the signless limit amount information stored in the storage unit. Less payment determination means,
Display control means for displaying the determination result of the signless settlement determination means on a display unit;
And a program to make it work. A storage process for storing signless limit information,
An identification information acquisition step of acquiring identification information used for payment,
A payment amount acceptance process for accepting the input of the payment amount,
A signless payment determination step of determining whether or not a signless payment is possible based on the identification information, the payment amount, and the signless limit amount information,
A display step for displaying the determination result of the signless settlement determination step,
A payment method having.

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