JP2020154539A - Settlement system, settlement method, and settlement program - Google Patents

Abstract

To provide a settlement system, a settlement method, and a settlement program, that can make it easier to use settlements by cash-outs.SOLUTION: A settlement system 1 includes a mobile terminal 2 and a settlement terminal 3. The mobile terminal 2 is loaded, in advance, with a cash-out available amount into first loaded amount information 2a1 by a loading section 2b. The settlement terminal 3 stands by the first loaded amount information 2a1 at a loaded amount information inquiry section 3b upon obtaining an invoiced amount 5b at a time of purchase settlement. The mobile terminal 2 connects to the settlement terminal 3 over a short-distance wireless communication by being held over the settlement terminal 3, and transmits the first loaded amount information 2a1 thereto upon receiving a loaded amount information inquiry. The settlement terminal 3 subtracts the invoiced amount 5b from the cash-out available amount included in the received first loaded amount information 2a1, and transmits a balance amount to the mobile terminal 2.SELECTED DRAWING: Figure 1

Description

The present invention relates to a payment system, a payment method, and a payment program capable of efficiently performing payment at a store and cashing out.

Conventionally, when a user purchases a product at a store, payment is made in cash. In cash settlement, when a product is purchased, the user withdraws cash in advance using an automated teller machine (ATM) or the like, and the cash is settled at the cash register of the store. In order to purchase a product, it was necessary to obtain cash by either method before payment.

In recent years, in order to reduce such trouble, a payment method called cash out that enables cash withdrawal at a store cash register is known (for example, Patent Document 1). In cash-out payment, when purchasing a product, the user presents a cash-out compatible cash card at the cash register and enters a PIN to withdraw cash at the store cash register. The user makes a payment with the withdrawn cash. However, the cash register that accepts cash out payments must support cash out payments.

On the other hand, a payment method called electronic money has become widespread. In electronic money payment, when purchasing a product, the user operates in advance from a mobile terminal such as a smartphone via a network, and charges the amount from a bank account or the like contracted by the user. At the cash register of a store, a mobile terminal charged with an amount of money can be used for payment by holding it over an RFID (Radio Frequency Identifier) reader connected to the payment terminal. After the settlement, the settled amount is deducted from the charged amount, and you cannot use more than the charged amount. However, the cash register that accepts electronic money needs to support payment by electronic money. In addition, it is usually not possible to withdraw an electronic money charge as cash.

JP-A-2018-28871

However, from the business side, cashiers that support cashouts are not currently widespread because new introductions are costly, making it difficult for users to make payments by cashouts. In addition, payment by cash out requires time for communication processing with the bank server after the user enters the PIN at the cash register, which makes the waiting time for the cash register longer, so the current service is There is a problem that it is only used for cash withdrawals at the cash register of the counter.

On the other hand, from the user side, it is not possible to withdraw cash by electronic money payment, so if cash is required after payment at the cash register, it is time-consuming to withdraw at an ATM. It was.

The present invention has been made in view of these respects, and an object of the present invention is to provide a payment system, a payment method, and a payment program that can facilitate the use of cash-out payment at low cost.

According to one aspect of the present invention, in a payment system including a mobile terminal that accepts input of a charge amount and supports charging of electronic money from a bank account via a network, and a payment terminal that supports payment by electronic money. The payment terminal has a storage unit that holds the first charge amount information including the cashout possible amount and a charge unit that adds the charge amount to the cashout possible amount, and the payment terminal cashes at the time of payment by cashout. It has a cash-out control unit that cashes out the remaining amount of money that can be out.

Further, according to one aspect of the present invention, a mobile terminal that holds the first charge amount information including the cashout possible amount and adds the charge amount to the cashout possible amount, and cash at the time of payment by cashout. A payment method for making a payment is provided with a payment terminal that cashes out the remaining amount of money that can be withdrawn.

Further, according to one aspect of the present invention, a mobile terminal that holds the first charge amount information including the cashout possible amount and adds the charge amount to the cashout possible amount, and cash at the time of payment by cashout. Provide a payment program that cashes out the remaining amount of money that can be out.

According to the disclosed technology, it is possible to provide a payment system, a payment method and a payment program that can facilitate the use of cash-out payment, and improve the service.

It is a figure for demonstrating the payment system of 1st Embodiment. It is a figure which shows an example of the pre-cash-out system of the 2nd Embodiment. It is a figure which shows the hardware configuration example of the smartphone of the 2nd Embodiment. It is a figure which shows the hardware configuration example of the POS terminal of the 2nd Embodiment. It is a figure which shows the hardware configuration example of the bank server of the 2nd Embodiment. It is a sequence diagram of the main processing executed by the pre-cash-out system of the second embodiment. It is a flowchart of the charge processing executed by the pre-cash-out system of the second embodiment. It is an example of a screen displayed on the smartphone of the second embodiment, (A) is a main screen, and (B) is a charge amount input screen. It is an example of a screen displayed on the smartphone of the second embodiment, (A) is a charge success screen, and (B) is a charge failure screen. It is a flowchart of the cash-out process executed by the pre-cash-out system of the 2nd Embodiment. It is an example of a screen displayed on the smartphone of the second embodiment, (A) is a cash-out menu screen, and (B) is a cash-out amount input screen. An example of a screen displayed on the smartphone of the second embodiment, (A) is a cash-out success screen, and (B) is a cash-out failure screen.

Hereinafter, embodiments will be described in detail with reference to the drawings.
[First Embodiment]
First, the payment system of the first embodiment will be described with reference to FIG. FIG. 1 is a diagram for explaining a payment system according to the first embodiment.

The payment system 1 includes a mobile terminal 2 and a payment terminal 3. The mobile terminal 2 is connected to the payment terminal 3 by short-range wireless communication at the time of cash out. In such a payment system 1, the mobile terminal 2 is charged with a charge amount in advance, and the charge amount is received between the payment terminal 3 and the payment terminal 3 for payment and withdrawal by cash out. Further, the payment system 1 is used in stores such as restaurants and retail stores.

The mobile terminal 2 is pre-installed with a cash-out application used for charging the amount to be cashed out via the wide area network. Further, the mobile terminal 2 has a storage unit 2a, a charge unit 2b, a charge amount information transmission unit 2c, and an update charge amount information reception unit 2d.

The storage unit 2a holds the first charge amount information 2a1 including the cash-out possible amount. The first charge amount information 2a1 includes a cash-out possible amount set by being charged and a normal electronic money charge amount.

The charge unit 2b updates the cash-out possible amount referred from the storage unit 2a by adding the charge amount 5a. The charge amount information transmission unit 2c transmits the first charge amount 2a1 when the charge amount information inquiry is received. The renewal charge amount information receiving unit 2d receives the second charge amount information including the balance after cash out from the payment terminal 3 by short-range wireless communication.

When the renewal charge amount information receiving unit 2d receives the second charge amount information including the remaining amount after cash out from the renewal charge amount information transmitting unit 3d, the first charge amount information 2a1 of the storage unit 2a is stored in the second charge amount information 2a1. Update with the charge amount information of.

The payment terminal 3 accepts payment by the mobile terminal 2 and withdraws cash by cash out. Further, the settlement terminal 3 has a billing amount acquisition unit 3a, a charge amount information inquiry unit 3b, a cash withdrawal unit 3c, an update charge amount information transmission unit 3d, and a cashout control unit 3e.

The billing amount acquisition unit 3a acquires the billing amount obtained by totaling the amounts of the items to be settled. The charge amount information inquiry unit 3b transmits a charge amount information request, which is an inquiry for charge amount information, to the charge amount information transmission unit 2c, and receives the first charge amount information 2a1.

The cash withdrawal unit 3c withdraws cash 5c in response to withdrawal by cash out. The renewal charge amount information transmitting unit 3d transmits the second charge amount information referred to from the cashout control unit 3e to the renewal charge amount information receiving unit 2d.

The cash-out control unit 3e calculates the remaining amount obtained by subtracting the billing amount referred to from the billing amount acquisition unit 3a from the cash-out possible amount referred to by the charge amount information inquiry unit 3b at the time of settlement by cash-out.

Further, the cash-out control unit 3e causes the cash-out control unit 3e to withdraw the remaining amount in cash from the cash-out unit 3c after the settlement is made with the cash-out possible amount at the time of settlement by cash-out.
The cash-out control unit 3e may perform cash-out after updating the update charge amount information receiving unit 2d. Further, the cash-out control unit 3e may accept the input of the cash-out possible amount, and a part of the cash-out possible amount may be targeted for cash-out.

Next, the flow of payment by such a payment system 1 will be described. In the following, payment by a store will be described as an example.
First, prior to the settlement, the charge unit 2b of the mobile terminal 2 accepts the input of the charge amount 5a and withdraws the charge amount 5a from the bank account via the network. Further, the charge unit 2b updates the cash-out possible amount with the sum of the cash-out possible amount referred from the storage unit 2a and the charge amount 5a.

The billing amount acquisition unit 3a of the payment terminal 3 acquires the total amount of the purchased items to be settled as the billing amount 5b. Regarding the total amount, it is assumed that the scan of the purchased item has been completed in advance by the standard function of the payment terminal 3.

The cash-out control unit 3e refers to the billing amount referred to by the billing amount acquisition unit 3a from the cash-out possible amount included in the first charge amount information 2a1 acquired from the charge amount information inquiry unit 3b at the time of settlement by cash-out. Subtract 5b to get the balance.

The cash-out control unit 3e causes the update charge amount information transmission unit 3d to transmit the second charge amount information including the cash-out possible amount after cash-out to the update charge amount information receiving unit 2d. When the update charge amount information receiving unit 2d receives the second charge amount information, the update charge amount information receiving unit 2d updates the first charge amount information 2a1 of the storage unit 2a with the second charge amount information.

Finally, the cash-out control unit 3e causes the cash withdrawal unit 3c to cash out the remaining amount as cash 5c, and completes the settlement.
The payment system 1 has a mobile terminal 2 and a payment terminal 3. The mobile terminal 2 charges the first charge amount information 2a1 with the cash-out possible amount in advance by the charge unit 2b. When the payment terminal 3 acquires the billing amount 5b at the time of purchase settlement, the charge amount information inquiry unit 3b waits for the first charge amount information 2a1.

When the mobile terminal 2 is held over the payment terminal 3 to connect to the payment terminal 3 by short-range wireless communication and receives a charge amount information inquiry, the mobile terminal 2 transmits the first charge amount information 2a1. The payment terminal 3 subtracts the billing amount 5b from the cash-out possible amount included in the received first charge amount information 2a1, and sends the remaining amount to the mobile terminal 2. Further, the payment terminal 3 cashes out the remaining amount as cash 5c and completes the payment.

As a result, from the business side, for example, by repairing the payment terminal 3 compatible with electronic money payment, it becomes possible to introduce payment by cash out at low cost. Further, from the user side, by charging the cash-out possible amount on the mobile terminal 2 in advance, the cash-out can be quickly used on the payment terminal 3. Furthermore, it is possible to facilitate the use of cash-out payment.

[Second Embodiment]
In the second embodiment, the case where the first embodiment is used in a store will be described more specifically. First, the pre-cash-out system of the second embodiment will be described with reference to FIG. FIG. 2 is a diagram showing an example of a pre-cash-out system according to the second embodiment.

The pre-cash-out system 10 of the second embodiment includes a smartphone 20, a POS (Point Of Sale) terminal 30 having an RFID reader 34, a bank server 40, and a network 71. The smartphone 20 and the bank server 40 are connected by a network 71. At the time of cash out, the smartphone 20 and the POS terminal 30 are connected by short-range wireless communication via the RFID reader 34.

The smartphone 20 is used for charging a cash-out possible amount from a bank account via a network and for cash-out executed by being held over an RFID reader 34 at a POS terminal 30. In addition, the smartphone 20 has an application corresponding to charge and cash out installed. Such a smartphone 20 includes a part of the functions of the mobile terminal 2 of the first embodiment.

The POS terminal 30 is installed at a cash register such as a store and is operated by an employee to settle a customer's purchased item. In addition, the POS terminal 30 performs short-range wireless communication with the smartphone 20 for payment by cash out. Such a POS terminal 30 includes a part of the functions of the payment terminal 3 of the first embodiment.

The communication between the POS terminal 30 and the smartphone 20 is not limited to short-range wireless communication, and may be realized by optical communication between a two-dimensional bar code and a bar code reader.
The bank server 40 receives a communication regarding the charge of the amount from the bank account from the smartphone 20 via the network 71, and performs a withdrawal process regarding the bank account. Further, the bank server 40 is installed in a bank or the like, and in the advance cash-out system 10, it communicates with the smartphone 20 only at the time of charging, and does not communicate with the smartphone 20 and the POS terminal 30 at the time of cash-out.

In such a pre-cash-out system 10, the smartphone 20 accesses the bank server 40 via the network 71 in advance of the settlement by cash-out, and the cash-out possible amount is charged after a predetermined procedure.

When payment by cash out is used, in the POS terminal 30, the smartphone 20 is held over the RFID reader 34, the billing amount is subtracted from the cash out possible amount by short-range wireless communication, and the balance is cashed out in cash. The payment is completed.

Next, a hardware configuration example of the smartphone 20 will be described with reference to FIG. FIG. 3 is a diagram showing a hardware configuration example of the smartphone according to the second embodiment.
The smartphone 20 as shown in FIG. 3 includes a control unit 21, a display 22, and a touch panel 23.

The entire device of the control unit 21 is controlled by a CPU (Central Processing Unit) 21a. A RAM (Random Access Memory) 21b and a plurality of peripheral devices are connected to the CPU 21a via a bus 21g. The RAM 21b is used as the main storage device of the control unit 21. The RAM 21b stores an OS program to be executed by the CPU 21a and an application program for control. Further, the RAM 21b stores various data necessary for processing by the CPU 21a.

The various data required for processing are the application used to charge from the bank account and the charge amount after charging.
Peripheral devices connected to the bus 21g include a memory card 21c, a communication interface 21d, a graphic control unit 21e, and an input / output interface 21f. The memory card 21c is used as an auxiliary storage device for the control unit 21. The OS program and application program are stored in the memory card 21c. Further, the memory card 21c stores various data necessary for processing by the CPU 21a.

A display 22 is connected to the graphic control unit 21e. The graphic control unit 21e causes the display 22 to display the image being processed according to the command from the CPU 21a. A touch panel 23 is connected to the input / output interface 21f. The input / output interface 21f transmits the signal sent from the touch panel 23 to the CPU 21a via the bus 21g.

The communication interface 21d is connected to the network 71 and transmits / receives data to / from the bank server 40. The RFID 21h communicates with the POS terminal 30 when using the cash out.

With the hardware configuration as described above, the processing function of the smartphone 20 of the present embodiment can be realized.
Next, a hardware configuration example of the POS terminal 30 will be described with reference to FIG. FIG. 4 is a diagram showing a hardware configuration example of the POS terminal according to the second embodiment.

The POS terminal 30 as shown in FIG. 4 includes a control unit 31, a display 32, a keyboard 33, an RFID reader 34, a drawer 35, an automatic change machine 36, and a receipt printer 37.

The entire device of the control unit 31 is controlled by the CPU 31a. The RAM 31b and a plurality of peripheral devices are connected to the CPU 31a via a bus 31g. The RAM 31b is used as the main storage device of the control unit 31. The RAM 31b stores an OS program to be executed by the CPU 31a and an application program for control. Further, the RAM 31b stores various data necessary for processing by the CPU 31a. Various data required for processing are applications required for payment processing by cash out, and include a function of acquiring the total billing amount at the time of payment, a function of acquiring the charge amount from the smartphone 20, and the like.

Peripheral devices connected to the bus 31g include an HDD (Hard Disk Drive) 31c, a communication interface 31d, a graphic control unit 31e, and an input / output interface 31f. The HDD 31c is used as an auxiliary storage device for the control unit 31. The OS program and application program are stored in the HDD 31c. Further, the HDD 31c stores various data necessary for processing by the CPU 31a.

A display 32 is connected to the graphic control unit 31e. The graphic control unit 31e causes the display 32 to display the image being processed according to the command from the CPU 31a. A keyboard 33 is connected to the input / output interface 31f. The input / output interface 31f transmits the signal sent from the keyboard 33 to the CPU 31a via the bus 31g.

The communication interface 31d is connected to a network in a store (not shown) and transmits / receives data. When the smartphone 20 is held over, the RFID reader 34 performs short-range wireless communication with the RFID 21h regarding cash out.

The drawer 35 holds money, cash of banknotes, etc. inside the main body, and is withdrawn so that it can be taken out as needed. The automatic change machine 36 withdraws cash at the time of cash out. The receipt printer 37 prints and outputs the settlement amount and the cash-out amount on the receipt after the settlement.

With the hardware configuration as described above, the processing function of the POS terminal 30 of the present embodiment can be realized.
Next, a hardware configuration example of the bank server 40 will be described with reference to FIG. FIG. 5 is a diagram showing a hardware configuration example of the bank server according to the second embodiment. The bank server 40 as shown in FIG. 5 includes a control unit 41, a display 42, and a keyboard 43.

The entire device of the control unit 41 is controlled by the CPU 41a. The RAM 41b and a plurality of peripheral devices are connected to the CPU 41a via a bus 41g. The RAM 41b is used as the main storage device of the control unit 41. The RAM 41b stores an OS program to be executed by the CPU 41a and an application program for control. Further, the RAM 41b stores various data necessary for processing by the CPU 41a.

The various data required for processing are information necessary for accepting withdrawals from a bank account when connected online from a smartphone 20, but since they have little relation to the present invention, they are omitted here. ..

Peripheral devices connected to the bus 41g include an HDD 41c, a communication interface 41d, a graphic control unit 41e, and an input / output interface 41f. The HDD 41c is used as an auxiliary storage device for the control unit 41. The OS program and application program are stored in the HDD 41c. Further, the HDD 41c stores various data necessary for processing by the CPU 41a.

A display 42 is connected to the graphic control unit 41e. The graphic control unit 41e causes the display 42 to display the image being processed according to the command from the CPU 41a. A keyboard 43 is connected to the input / output interface 41f. The input / output interface 41f transmits the signal sent from the keyboard 43 to the CPU 41a via the bus 41g.

The communication interface 41d is connected to the network 71 and transmits / receives data to / from the smartphone 20.
With the hardware configuration as described above, the processing function of the bank server 40 of the present embodiment can be realized.

Next, the main process executed by the pre-cash-out system 10 having the above configuration will be described with reference to FIG. FIG. 6 is a sequence diagram of the main processing executed by the pre-cash-out system of the second embodiment.

The main process is a summary of the overall process flow of the pre-cash-out system 10, and includes a charge process and a cash-out process. At the start of the main processing, the smartphone 20 possessed by the user who wishes to use the cash out is about to be charged.

[Step S01] The control unit 21 of the smartphone 20 is charged. The charge process is a process in which the control unit 21 of the smartphone 20 connects to the bank server 40 via the network 71 and charges the charge amount from the bank account. The details of the charge process will be described later.

[Step S02] The control unit 31 of the POS terminal 30 acquires the billing amount, which is the total of the purchased items of the user. Further, the control unit 31 of the POS terminal 30 causes the display 32 to display a selection screen (not shown) including a total billing amount and a payment method selection button.

[Step S03] The control unit 31 of the POS terminal 30 selects cash out from the keyboard 33 as the payment method on the selection screen, and performs payment processing by cash out.
[Step S04] The control unit 31 of the POS terminal 30 transmits an inquiry of the charge amount to the smartphone 20 via the RFID reader 34. The charge amount includes the amount that can be cashed out, and may include the charge amount by ordinary electronic money.

[Step S05] When the control unit 31 of the smartphone 30 is held over the RFID reader 34, the control unit 31 returns a charge amount including the cash-out possible amount to the RFID reader 34 by short-range wireless communication from the RFID 21h.

[Step S06] The control unit 31 of the POS terminal 30 makes a payment by cash-out processing. The cash-out process is a process in which the smartphone 20 and the POS terminal 30 perform short-range wireless communication to perform cash-out. Details will be described later.

[Step S07] The control unit 31 of the POS terminal 30 causes the RFID reader 34 to transmit the charge amount with the updated cash-out possible amount to the RFID 21h.
[Step S08] The control unit 21 of the smartphone 20 updates the held charge amount with the received charge amount.

[Step S09] The control unit 21 of the smartphone 20 causes the RFID 21h to transmit the update completion of the charge amount to the RFID reader 34.
[Step S10] The control unit 31 of the POS terminal 30 subtracts the billed amount from the cash-out amount, and when change occurs, causes the automatic change machine 36 to pay out the cash. Further, the control unit 31 of the POS terminal 30 causes the receipt printer 37 to issue a receipt.

As a result, the main process of the pre-cash out system 10 is completed.
Next, the charge process executed by the pre-cash-out system 10 having the above configuration will be described with reference to FIGS. 7 to 9. FIG. 7 is a flowchart of the charge process executed by the pre-cash-out system of the second embodiment. FIG. 8 is an example of a screen displayed on the smartphone of the second embodiment, (A) is a main screen, and (B) is a charge amount input screen. 9A and 9B are screen examples displayed on the smartphone of the second embodiment, where FIG. 9A is a charge success screen and FIG. 9B is a charge failure screen. The pre-cash-out system 10 is in the state of step S01 of the main process.

[Step S11] The control unit 21 of the smartphone 20 causes the display 22 to display the main screen 81 as shown in FIG. 8A. The main screen 81 includes a display of the main screen, a charge button, and an end button at the upper part. When the charge button is pressed, the screen transitions from the bank account to the screen for charging the amount of money via the network 71. When the end button is pressed, the charge process is terminated.

[Step S12] The control unit 21 of the smartphone 20 determines whether or not the charge button has been pressed. When the control unit 21 of the smartphone 20 determines that the charge button has been pressed, the next process proceeds to step S13. Further, when the control unit 21 of the smartphone determines that the charge button is not pressed, it waits until it is pressed.

[Step S13] The control unit 21 of the smartphone 20 causes the display 22 to display the charge amount input screen 82 as shown in FIG. 8B. The charge amount input screen 82 includes a display of the remaining charge amount, a customer ID input field, a password input field, and a charge amount input field. Further, the charge amount input screen 82 includes a confirmation button and an end button. The display of the remaining charge amount displays the total amount of the current charge amount.

The customer ID input field is a field in which predetermined recognition information contracted between the user and the bank is input using the touch panel 23. The customer ID input field is input as "123456" as shown in FIG. 8B, for example. Further, the customer ID may be a bank account number.

The password input field is a field in which predetermined recognition information similar to the customer ID is input using the touch panel 23. Since it is not preferable that the password input field is exposed to the eyes of others, it may be masked as "*****" after input as shown in FIG. 8 (B). Further, the personal identification number may be a personal identification number for a bank cash card.

The charge amount input field is a field in which the amount of money desired to be charged is input using the touch panel 23.
When the confirmation button is pressed, the input of the entered customer ID field, password field, and charge amount field is confirmed. When the end button is pressed, the charge process is terminated.

[Step S14] The control unit 21 of the smartphone 20 determines whether or not the charge amount has been input. The case where the charge amount is input refers to the case where the confirmation button is pressed after the customer ID field, the password field, and the charge amount field are input on the charge amount input screen 82.

When the control unit 21 of the smartphone 20 determines that the charge amount has been input, the next process proceeds to step S15. Further, when the control unit 21 of the smartphone 20 determines that the charge amount has not been input, it waits until the charge amount is input.

[Step S15] The control unit 21 of the smartphone 20 transmits an account withdrawal inquiry including a customer ID, a password, and a charge amount to the bank server 40 via the network 71.

Upon receiving the account withdrawal inquiry, the bank server 40 determines whether the customer ID and the PIN are correct, and if they are correct, whether the balance of the deposit amount in the bank account corresponding to the customer ID is equal to or greater than the charge amount. Whether or not it is determined, but since it has little relation to the present invention, details will be omitted. Further, the bank server 40 finally determines whether or not the charge amount can be withdrawn, and transmits the account withdrawal inquiry result to the smartphone 20. When the bank server 40 determines that the charge amount can be withdrawn, the bank server 40 processes the charge amount withdrawal from the bank account.

[Step S16] The control unit 21 of the smartphone 20 receives the account withdrawal result from the bank server 40 via the network 71.
[Step S17] The control unit 21 of the smartphone 20 determines whether or not the account withdrawal result is normal. The case where the withdrawal result is normal is the case where the customer ID and the PIN are normally authenticated and the balance of the deposit amount in the bank account is equal to or more than the charge amount.

When the control unit 21 of the smartphone 20 determines that the account withdrawal result is normal, the next process proceeds to step S18. When the control unit 21 of the smartphone 20 determines that the account withdrawal result is not normal, the next process proceeds to step S19.

[Step S18] The control unit 21 of the smartphone 20 adds the charge amount to the charge balance and saves it.
[Step S19] The control unit 21 of the smartphone 20 causes the display 22 to display the charge failure screen 84 as shown in FIG. 9B. The charge failure screen 84 includes a display of "Charging failed", a display of the remaining charge amount, and an end button.

As for the display of the remaining charge amount, the remaining charge amount held by the smartphone 20 before the charge processing is displayed as it is. When the end button is pressed, the charge process is completed.

[Step S20] The control unit 21 of the smartphone 20 causes the display 22 to display the charge success screen 83 as shown in FIG. 9A.
The charge success screen 83 includes a display of the charge amount, a display of the remaining charge amount, and an end button. As for the display of the charge amount, the amount of successful charge is displayed.

As for the remaining charge amount, the amount obtained by adding the charge amount to the remaining charge amount before charging is displayed. When the end button is pressed, the charge process is terminated.
As a result, the charge process of the pre-cash out system 10 is completed.

Next, the cash-out process executed by the pre-cash-out system 10 having the above configuration will be described with reference to FIGS. 10 to 12. FIG. 10 is a flowchart of a cash-out process executed by the pre-cash-out system of the second embodiment. FIG. 11 is an example of a screen displayed on the POS terminal 30 of the second embodiment, (A) is a cash-out menu screen, and (B) is a cash-out amount input screen. FIG. 12 is an example of a screen displayed on the smartphone of the second embodiment, (A) is a cash-out success screen, and (B) is a cash-out failure screen. The pre-cash out system 10 is in the state of step S06 of the main process.

[Step S21] The control unit 31 of the POS terminal 30 causes the display 32 to display the cash-out menu screen 91 as shown in FIG. 11A.
The cash-out menu screen 91 includes a display of the cash-out menu screen, a full cash-out button, a partial cash-out button, and an end button.

The full cash out button has a function of advancing the process to the process of cashing out the entire amount of the cash out possible amount currently charged in the smartphone 20.

The partial amount cash-out button is pressed by operating the keyboard 33 to specify a part of the cash-out possible amount currently charged in the smartphone 20 and proceed to the process of cashing out. Have.

When the end button is pressed, the cash-out process is terminated.
[Step S22] The control unit 31 of the POS terminal 30 determines whether or not the partial amount cash out button has been pressed. When the control unit 31 of the POS terminal 30 determines that the partial amount cash out button has been pressed, the next process proceeds to step S24. Further, when the control unit 31 of the POS terminal 30 determines that the partial amount cash out button has not been pressed, the next process proceeds to step S23.

[Step S23] The control unit 31 of the POS terminal 30 determines whether or not the full cash out button has been pressed. When the control unit 31 of the POS terminal 30 determines that the full cash out button has been pressed, the next process proceeds to step S27. Further, when the control unit 31 of the POS terminal 30 determines that the full cash out button has not been pressed, the next process returns to step S22.

[Step S24] The control unit 31 of the POS terminal 30 causes the display 32 to display the cash-out amount input screen 92 as shown in FIG. 11B.
The cash-out amount input screen 92 includes a display of the remaining charge amount, an input field for the cash-out amount, a confirmation button, and an end button.

The display of the remaining charge amount shows the total of the current remaining charge amount. The cash-out amount input field accepts the cash-out amount input from the keyboard 33.
When the confirmation button is pressed, the input cash-out amount is confirmed. When the end button is pressed, the cash-out process is terminated.

[Step S25] The control unit 31 of the POS terminal 30 determines whether or not the cash-out amount has been input. The case where the cash-out amount is input is the case where the cash-out amount is input and the confirmation button is pressed on the cash-out amount input screen 92.

When the control unit 31 of the POS terminal 30 determines that the cash-out amount has been input, the next process proceeds to step S26. Further, when the control unit 31 of the POS terminal 30 determines that the cash-out amount has not been input, it waits until it is input.

[Step S26] The control unit 31 of the POS terminal 30 determines whether or not the cash-out amount is equal to or less than the charge amount. Here, the charge amount includes the amount that can be cashed out, and is hereinafter referred to as the charge amount.

When the cash-out amount is less than or equal to the charge amount, the charge remaining amount acquired in step S05 of the main processing is compared with the cash-out amount input in step S25 of the charge processing, and the cash-out amount is larger. Or both are the same.

When the control unit 31 of the POS terminal 30 determines that the cash-out amount is equal to or less than the charge amount, the next process proceeds to step S27. Further, when the control unit 31 of the POS terminal 30 determines that the cash-out amount is not less than or equal to the charge amount, the next process proceeds to step S30.

[Step S27] The control unit 31 of the POS terminal 30 determines the cash-out amount. The cash-out possible amount is the amount charged to the smartphone 20, and the cash-out amount is either the total amount of the cash-out possible amount selected in step S23 or the amount of the input accepted in step S24. Is it?

[Step S28] The control unit 31 of the POS terminal 30 determines whether or not the billed amount is equal to or less than the cashout amount. When the invoiced amount is less than or equal to the cashout amount, the invoiced amount is less than the cashout amount by comparing the invoiced amount acquired in step S02 of the main process with the cashout amount determined in step S27. , The same case.

When the control unit 31 of the POS terminal 30 determines that the billed amount is equal to or less than the cash-out amount, the next process proceeds to step S29. Further, when the control unit 31 of the POS terminal 30 determines that the billed amount is not equal to or less than the cashout amount, the next process proceeds to step S30.

[Step S29] The control unit 31 of the POS terminal 30 reduces the cash-out amount from the charge amount.
[Step S30] The control unit 31 of the POS terminal 30 displays the cash-out failure screen 94 as shown in FIG. 12 (B).

The cash-out failure screen 94 includes a display of a cash-out failure screen, a display of "cash-out failure", a display of the remaining charge amount, and an end button.
As for the remaining charge amount, the remaining charge amount before the cash-out process is displayed as it is. When the end button is pressed, the cash-out process is terminated. In step S30, it is assumed that the end button is pressed.

[Step S31] The control unit 31 of the POS terminal 30 displays the cash-out success screen 93 as shown in FIG. 12 (A). The cash-out success screen 93 includes a display of the cash-out success screen, a display of the cash-out amount, a display of the remaining charge amount, and an end button. As for the display of the cash-out amount, the amount of successful cash-out is displayed.

The display of the remaining charge amount is the remaining amount after cash out. When the end button is pressed, the cash-out process is terminated.
As a result, the cash-out process of the pre-cash-out system 10 is completed.

The advance cash-out system 10 includes a smartphone 20, a POS terminal 30 including an RFID reader 34, and a bank server 40. The smartphone 20 and the bank server are connected by a network 71. The smartphone 20 and the POS terminal 30 are connected by short-range wireless communication by the RFID reader 34.

The smartphone 20 charges the cash-out possible amount from the bank server 40 that manages the bank account contracted by the user in advance before using the cash-out.
The POS terminal 30 subtracts the billed amount from the cash-out possible amount in the charge amount of the smartphone 20 at the time of payment by cash-out, and cashes out the remaining amount in cash.

As a result, the business operator can introduce payment by cash out at low cost by, for example, repairing the POS terminal 30 that supports electronic money payment. Further, the user side can save the trouble of performing the cash-out operation on the POS terminal 30 by charging the cash-out possible amount in the charge amount with the smartphone 20 in advance at the time of cash-out.

Therefore, it is possible to facilitate the use of cash-out payment.
The present invention is not limited to the embodiments described above, and various configurations or shapes can be taken without departing from the gist of the present invention.

1 Payment system 2 Mobile terminal 2a Storage unit 2a1 First charge amount information 2b Charge unit 2c Charge amount information transmission unit 2d Update charge amount information reception unit 3 Payment terminal 3a Billing amount acquisition unit 3b Charge amount information inquiry unit 3c Cash withdrawal Unit 3d Update charge amount information transmission unit 3e Cash-out control unit 5a Charge amount 5b Billing amount 5c Cash 10 Advance cash-out system 20 Smartphone 21 Control unit 21a CPU
21b RAM
21c Memory card 21d Communication interface 21e Graphic control unit 21f Input / output interface 21g Bus 21h RFID
22 Display 23 Touch panel 30 POS terminal 31 Control unit 31a CPU
31b RAM
31c HDD
31d Communication interface 31e Graphic control unit 31f Input / output interface 31g Bus 32 Display 33 Keyboard 34 RFID reader 35 Drawer 36 Automatic change machine 37 Receipt printer 40 Bank server 41 Control unit 41a CPU
41b RAM
41c HDD
41d Communication interface 41e Graphic control unit 41f Input / output interface 41g Bus 42 Display 43 Keyboard 71 Network 81 Main screen 82 Charge amount input screen 83 Charge success screen 84 Charge failure screen 91 Cashout menu screen 92 Cashout amount input screen 93 Cashout success Screen 94 Cash out failure screen

Claims (7)

A storage unit that holds the first charge amount information including the cashout possible amount,
A charge unit that adds the charge amount to the cash-out available amount,
With a mobile terminal that has
A cash-out control unit that cashes out the remaining amount of the cash-out available amount in cash when making a payment by cash-out.
With a payment terminal that has
Payment system with. The mobile terminal has a charge amount information transmission unit that transmits the first charge amount when receiving a charge amount information inquiry.
The payment terminal transmits a charge amount information inquiry to the billing amount acquisition unit that acquires the billing amount obtained by totaling the amounts of the items to be settled, and the charge amount information transmitting unit, and receives the first charge amount information. It has a charge amount information inquiry department,
The cash-out control unit sets the remaining amount as the remaining amount by subtracting the billing amount referred from the billing amount acquisition unit from the cash-out possible amount referred to by the charge amount information inquiry unit at the time of settlement by cashout. The payment system according to claim 1, wherein the payment system is characterized by the above. At the time of cash out, the cash out control unit updates the remaining amount as a second charge amount information including the cash out possible amount.
The payment terminal has an update charge amount information transmission unit that transmits the second charge amount information referred to from the cashout control unit to the update charge amount information receiving unit.
When the mobile terminal receives the second charge amount information from the update charge amount information transmitting unit, the mobile terminal updates the first charge amount information in the storage unit with the second charge amount information. It has a monetary information receiver and
The payment system according to claim 2, wherein the cash-out control unit performs cash-out after updating the renewal charge amount information receiving unit. The payment terminal has a cash withdrawal unit corresponding to withdrawal by cash out.
The payment system according to claim 3, wherein the cash-out control unit causes the remaining amount to be withdrawn in cash from the cash withdrawal unit at the time of cash-out. The payment system according to claim 1, wherein the cash-out control unit accepts an input of the cash-out possible amount and can target a part of the cash-out possible amount for cash out. Holds the first charge amount information including the cashout possible amount,
A mobile terminal that adds the charge amount to the cashout available amount, and
A payment method for making a payment with a payment terminal that cashes out the balance of the cash-out possible amount at the time of payment by cash-out. Holds the first charge amount information including the cashout possible amount,
A mobile terminal that adds the charge amount to the cashout available amount, and
A payment program that cashes out the balance of the cash-out available amount when making a cash-out payment.

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