JP2021140341A - Settlement terminal device, settlement system, and commodity sales data processing device - Google Patents

Abstract

To suppress confusion at a job site when a failure occurs in a settlement system supporting non-cash settlement.SOLUTION: A settlement terminal device comprises: settling means which can execute non-cash settlement supporting non-cash settlement brands via communication with a settlement processing device; receiving means for receiving settlement acceptability information on acceptability of non-cash settlement; controlling means for controlling execution acceptability of non-cash settlement supporting the non-cash settlement brands according to reception of the settlement acceptability information by the receiving means; and outputting means for outputting brand supporting settlement acceptability information on execution acceptability of non-cash settlement supporting the non-cash settlement brands.SELECTED DRAWING: Figure 9

Description

The present invention relates to a payment terminal device, a payment system, and a product sales data processing device.

Non-cash payments using credit cards, etc., instead of cash, are widespread when purchasing products at stores. In non-cash payment, a payment terminal installed in a store communicates with a payment processing device such as a payment server (see, for example, Patent Document 1).

JP-A-2018-180984

Since non-cash payment involves communication between the terminal of the store and the payment processing device as described above, for example, when a communication failure occurs in a wide area, many stores cannot use non-cash payment. .. However, since it is difficult for each store to quickly and accurately grasp information on a failure, confusion is likely to occur at the site such as the store.

The present invention has been made in view of such circumstances, and an object of the present invention is to suppress confusion in the field when a failure occurs in a payment system that supports non-cash payment.

One aspect of the present invention that solves the above-mentioned problems is a payment means capable of executing non-cash payment corresponding to a non-cash payment brand via communication with a payment processing device, and payment availability information regarding the possibility of non-cash payment. A receiving means for receiving the above, a control means for controlling whether or not the non-cash settlement corresponding to the non-cash settlement brand can be executed according to the receipt of the settlement possibility information by the receiving means, and the non-cash settlement brand It is a payment terminal device provided with an output means for outputting brand-compatible payment availability information regarding whether or not non-cash payment can be executed.

One aspect of the present invention includes a payment terminal device that enables non-cash payment to be executed via communication with a payment processing device and is installed in each store, and a management device that manages each of the payment terminal devices. The management device includes a transmission means for transmitting payment possibility information regarding whether or not non-cash payment is possible to the payment terminal device, and the payment terminal device can execute non-cash payment in response to receiving the payment possibility information. It is a payment system provided with a control means for controlling the above.

One aspect of the present invention is a display control means for selectively displaying the use of a non-cash settlement brand used for non-cash settlement, and whether or not non-cash settlement corresponding to the non-cash settlement brand transmitted from a settlement agency server can be executed. A product sales data processing device that notifies about non-cash settlement brands that cannot be non-cash settlement based on the receiving means for receiving the brand-compatible settlement availability information regarding the above and the brand-compatible settlement availability information received by the receiving means. be.

It is a figure which shows the configuration example of the payment system in 1st Embodiment. It is a figure which shows the installation example of the POS terminal in 1st Embodiment. It is a figure which shows the appearance example of the POS terminal in 1st Embodiment. It is a figure which shows the configuration example of the POS terminal in 1st Embodiment. It is a figure which shows the configuration example of the payment terminal in 1st Embodiment. It is a figure which shows the configuration example of the settlement agency server in 1st Embodiment. It is a figure which shows an example of the settlement terminal management information in 1st Embodiment. It is a flowchart which shows the example of the processing procedure which the payment agent server and the payment terminal in the payment system of 1st Embodiment execute in connection with the provision of information about the occurrence of a failure. It is a figure which shows an example of the brand selection screen in 1st Embodiment. It is a flowchart which shows the example of the processing procedure which the payment agent server, the payment terminal, and the POS terminal in the payment system of the second embodiment execute in connection with the provision of information regarding the occurrence of a failure. It is a figure which shows an example of the settlement type selection screen and the brand selection screen in 3rd Embodiment. It is a figure which shows an example with the brand selection screen in 4th Embodiment.

<First Embodiment>
[Payment system configuration example]
Hereinafter, the payment system as an embodiment of the present invention will be described with reference to the drawings. An example of the payment system of the present embodiment is a case where payment using a credit card (credit card payment) is supported as payment without cash (non-cash payment).
FIG. 1 shows a configuration example of the payment system of the present embodiment.

The payment system of the figure includes a POS terminal 20 and a payment terminal 30 installed in each of a plurality of store STs. Although the figure shows an example in which one POS terminal 20 and one payment terminal 30 are provided for each store ST, the number of POS terminals 20 provided in the store ST and the POS terminal 20 The number of payment terminals 30 according to the number is not particularly limited.

The POS terminal 20 executes accounting-related processing (accounting processing), including, for example, a registration process for registering a product purchased by a customer and a settlement process for settlement of the registered product for each transaction.

The payment terminal 30 executes a payment process (terminal payment process) corresponding to the credit card in response to the case where the customer makes a payment by using the credit card payment. The payment terminal 30 is connected so as to be able to communicate with the POS terminal 20. The communication between the payment terminal 30 and the POS terminal 20 may be wired or wireless. In addition, the payment terminal 30 includes a card reader that reads information (card information) recorded on the credit card.
When making a credit card payment at the store ST, the clerk operates the POS terminal 20 to complete the product registration of the corresponding transaction, determine the total amount, and then transfer the determined total amount to the payment terminal 30. Send it.
In addition, the clerk (which may be a customer) reads the card information of the customer's credit card and selects the credit card brand (an example of a non-cash payment brand) to be used this time as a payment terminal. Do for 30.
In response to the reception of the total amount from the POS terminal 20 and the operation performed as described above, the payment terminal 30 acquires the total amount, the card information, and the brand information indicating the selected brand.

At the store ST, a member store contract is signed with an acquirer of at least one of the credit card brands that is determined to be used at the store. Therefore, the brand of the credit card that the customer can use at the store ST differs depending on which brand acquirer the store ST has a member store contract with. In addition, the store ST concludes a membership contract with an issuer that issues credit cards to customers (card users).

The payment terminal 30 transmits a payment processing request including the brand information, the card information, and the total amount acquired as described above to the payment agent server 40 (an example of the management device).
The payment agent server 40 (an example of a management device) executes payment processing in response to a payment processing request transmitted from the payment terminal 30. The payment agency server 40 includes an acquirer server 50 and an issuer server 80 corresponding to each brand in the payment processing, and the acquirer server and the issuer server corresponding to the brand indicated by the brand information included in the received payment processing request. , Authenticate the validity of the credit card used. The payment agent server 40 performs payment processing when authentication is established.

Further, the payment agent server 40 is communicably connected to the call center terminal 60, the telecommunications carrier terminal 70, and the like.
The call center terminal 60 is, for example, a terminal provided in a call center operated by a payment agent corresponding to the payment agent server 40. The call center is a department that responds to inquiries from the store ST, which has a contract for a credit card payment agency service, via telephone or network.
The telecommunications carrier terminal 70 is a telecommunications carrier terminal that provides a line used for communication between devices in the payment system of the present embodiment.

[Configuration example of POS terminal]
FIG. 2 is a diagram showing an installation example of a POS terminal. FIG. 2A is a perspective view of the POS terminal 20 and the like as viewed from the customer side. FIG. 2B is a perspective view of the POS terminal 20 and the like as viewed from the clerk side. As shown in FIG. 2A, a counter is placed on the right side of the POS terminal 20 when viewed from the customer side.

FIG. 3 is a diagram showing an example of the appearance of the POS terminal. FIG. 3A is a perspective view of the POS terminal 20 as viewed from the customer side. FIG. 3B is a perspective view of the POS terminal 20 as viewed from the clerk side. FIG. 4 is a diagram showing a configuration example of the POS terminal 20. In FIGS. 3 and 4, the same parts are designated by the same reference numerals.

Hereinafter, a configuration example of the POS terminal 20 shown in FIG. 4 will be described with reference to FIG. The POS terminal 20 in the figure is a CPU 201, a ROM 202, a RAM 203, a hard disk 204, a customer side display unit 205, a customer side scanner unit 206, a card reader 208, a change machine 209, and a clerk side display unit 210. A key operation unit 211, a clerk side scanner unit 212, a printing unit 213, an audio output unit 214, and a communication unit 215 are provided. These can communicate with each other via the bus.

The CPU 201 is a central processing unit, and controls the operation of the POS terminal 20 by reading and executing a program stored in the ROM 202.
The ROM 202 is a read-only memory, and stores various information used by the CPU 201 including a program.

The RAM 203 is a read / write memory and stores various information. For example, the RAM 203 includes information acquired from the outside (for example, a product master acquired from a higher-level device (not shown)), information generated in the process (for example, registration information generated in the registration process, and generated in the settlement process). Settlement information, etc.) is memorized. In the following description, either one or both of the registration information and the settlement information may be referred to as transaction information.

The hard disk 204 stores various information. The hard disk 204 may store, for example, a program executed by the CPU 201 instead of the ROM 202. Further, instead of the RAM 203, information acquired from the outside or information generated in the process may be stored.

The customer side display unit 205 is a touch display for the customer, displays various information to the customer, and receives various inputs from the customer.
The customer side scanner unit 206 is a customer scanner unit, and for example, optically reads a barcode (product code, etc.) attached to a product.

The customer side scanner unit 206 is used when the customer registers the product, but the customer may register the product by another method. For example, when a product order button or the like is displayed on the customer side display unit 205, the customer can operate (press) the order button to register the product.

The card reader 208 can read information such as a transportation card, a membership card, and a point card and execute a process corresponding to payment. The card reader 208 of the present embodiment may include, for example, a card recognition unit (reading unit), a display unit, and an operation unit, but at least it may include a card recognition unit.

The card reader 208 may be configured to read card information from a credit card, but in the present embodiment, the credit card payment is performed by the payment terminal 30.

The change machine 209 (cash settlement unit) is a cash settlement mechanism, has a bill / coin slot and a bill / coin outlet, calculates the amount to be inserted into the slot, and determines the amount to be inserted and the purchase amount. The difference amount of change is calculated, and the change is discharged from the discharge port.

The clerk side display unit 210 is a touch display for the clerk, displays various information to the clerk, and receives various inputs from the clerk.
The key operation unit 211 is composed of various keys (buttons) and receives various inputs from a clerk.
The clerk side scanner unit 212 is a scanner unit for clerk, and for example, optically reads a bar code (product code or the like) attached to a product, a clerk code attached to a clerk's name tag, or the like.

The scanner unit 212 on the clerk side is used when the clerk registers the product, but the clerk may register the product by another method. For example, when a key corresponding to a product (for example, a key corresponding to a sports newspaper) is arranged in the key operation unit 211, the clerk may operate (press) the key to register the product. can. Further, when the preset key corresponding to the product is displayed on the display unit 210 on the clerk side, the clerk can operate the preset key to register the product.

The printing unit 213 is a printing unit that discharges a medium, and prints and issues various media such as a receipt. The printing unit 213 is one printing unit that can rotatably change the direction from the clerk side to the customer side and from the customer side to the clerk side (direction of the medium issuing port). The orientation of the printing unit may be changed manually, or may be automatically changed (mechanically controlled, etc.) according to the transition of the operation mode, for example. The correctness of the orientation of the printing unit may be detected by a sensor or the like.

The audio output unit 214 outputs audio. For example, the voice output unit 214 outputs voice guidance and the like.
The communication unit 215 executes communication with other devices connected by the network in the store in the same store ST and external devices of the store ST connected via the network.

[Example of payment terminal configuration]
A configuration example of the payment terminal 30 will be described with reference to FIG. The payment terminal 30 in the figure includes a POS-compatible communication unit 301, a server-compatible communication unit 302, a card reader 303, a touch panel display unit 304, a key operation unit 305, and a control unit 306.

The POS-compatible communication unit 301 executes communication with the POS terminal 20 in the same store ST. The POS-compatible communication unit 301 may be configured to execute communication in response to a data interface such as USB (Universal Serial Bus). Further, the POS-compatible communication unit 301 may support communication by either a wired method or a wireless method.
The server-compatible communication unit 302 communicates with the payment agent server 40 via, for example, a dedicated line or a network. Further, the server-compatible communication unit 302 communicates with the acquirer server 50, the call center terminal 60, the communication operator terminal 70, and the like.

The card reader 303 reads the card information recorded on the credit card. In addition to the credit card number given to the credit card, the card information may include information such as the name of the holder, the expiration date, and the brand of the credit card.

The touch panel display unit 304 displays an image under the control of the control unit 306, and accepts an operation performed by touching an operation body such as a finger with the display surface.
The key operation unit 305 is an operation unit in which physical keys are arranged. The key in the key operation unit 305 includes, for example, a numeric keypad, an enter key, a cancel key, and the like used for a number operation.

The control unit 306 executes various controls for realizing the function as the payment terminal 30. The function as the control unit 306 is realized, for example, by executing a program by a CPU (Central Processing Unit) included in the payment terminal 30.

[Payment agency server configuration example]
A configuration example of the payment agent server 40 will be described with reference to FIG. The settlement agency server 40 in the figure includes a communication unit 401, a control unit 402, and a storage unit 403.

The communication unit 401 executes communication with the payment terminal 30. Further, the communication unit 401 executes communication with the acquirer server 50, the call center terminal 60, the communication operator terminal 70, and the like.

The control unit 402 executes various controls for realizing the function as the payment agent server 40. The function as the control unit 402 is realized by the CPU included in the payment agent server 40 executing the program.

The storage unit 403 stores various types of information corresponding to the payment agent server 40. The storage unit 403 stores the payment terminal management information. The payment terminal management information is information for each payment terminal 30 managed by the payment agency server 40. The payment terminal 30 managed by the payment agent server 40 is a payment terminal 30 installed in the store ST where the payment agent concludes a contract with the payment agent corresponding to the payment agent server 40 to receive the payment agent service. Is.

FIG. 7 shows an example of payment terminal management information. The payment terminal management information in the figure stores the payment terminal identifier, address, store identifier, contract brand information, and area information corresponding to each payment terminal 30.
The payment terminal identifier is an identifier that uniquely identifies the corresponding payment terminal 30.
The address is an address on the network assigned to the corresponding payment terminal 30.
The store identifier is an identifier that uniquely indicates the store ST in which the corresponding payment terminal 30 is installed.
The contract brand information is information indicating the brand (contract brand) of the credit card contracted as a member store by the store ST indicated by the corresponding store identifier.
Area information is provided by the store ST indicated by the corresponding store identifier among the divided areas (areas) classified according to predetermined rules (for example, city / town / village unit, area classification by zip code, area classification by mesh set on the map, etc.). It is information indicating the included division area (area).

[Overview of troubleshooting in payment systems]
In the payment system of the present embodiment, in the payment process, communication between the payment terminal 30 and the payment agent server 40, communication between the payment agent server 40 and the acquirer server 50, and the like are performed. For this reason, there is a problem that the credit card payment using the payment terminal 30 cannot be performed at the store ST included in the area where the communication failure has occurred for some reason.
When such a failure occurs, for example, the acquirer provides the member store with information on the failure that has occurred. However, it takes a considerable amount of time, for example, about 30 minutes, for grasping the situation and identifying the cause from the occurrence of the failure to the provision of information from the acquirer to the store ST. In addition, even if an inquiry is made to a call center or the like by telephone or the like in such a case, there are many cases where it is not effective as a countermeasure against troubles because the coping method has not been specified yet or the telephone cannot be connected.
For this reason, at the site such as the store ST in the area where the failure occurred, it is confusing because it is not possible to understand the cause of why the credit card payment using the payment terminal 30 cannot be performed until the information on the failure is provided. It's easy to do.

Therefore, the payment system of the present embodiment is configured so that information regarding the occurrence of a failure can be provided to the store ST as quickly as possible as described below.

[Example of processing procedure]
An example of a processing procedure executed by the payment agent server 40 and the payment terminal 30 in the payment system of the present embodiment in connection with the provision of information regarding the occurrence of a failure will be described with reference to the flowchart of FIG.

First, an example of the processing procedure of the settlement agency server 40 will be described.
Step S101: The payment agency server 40 collects information (fault information) regarding some failure in the payment system. The failure information is transmitted from, for example, the acquirer server 50, the call center terminal 60, the telecommunications carrier terminal 70, etc. to the payment system in response to the occurrence of a failure.
Step S102: The payment agency server 40 determines whether or not a failure has occurred in the payment system based on the result of collecting the failure information in step S101. If it is determined that no failure has occurred, the process is returned to step S101.

Step S103: When it is determined in step S102 that a failure has occurred, the settlement agent server 40 identifies the area where the failure has occurred (failure occurrence area) based on the failure information collected so far. The settlement agency server 40 maps, for example, the area where the failure occurred, the point, etc. shown in the collected failure information on the map in which the area division is set, and distributes the mapped area and the point where the failure occurred. Therefore, the failure occurrence area can be specified.

Step S104: If it is determined in step S102 that a failure has occurred, the payment agent server 40 identifies a non-settlement brand. Non-settlement brands are credit card brands that cannot be settled due to a failure. As for the situation of failure, there are cases where payment is not possible for a specific brand of credit card brands, but payment is possible for other brands. The step S104 identifies a non-settlement brand associated with the occurrence of this failure in response to such a failure situation. The payment agent server 40 can identify the non-settlement brand based on the information indicating the brand in which payment is not possible, which is indicated in the collected failure information. In addition, the non-settlement brand may be specified for each classified area included in the failure-occurring area. In this case, as the failure occurrence situation, the non-settlement brand specified between the divided areas in the failure occurrence area may differ.

The failure occurrence area specified in step S103 and the non-settlement brand specified in step S104 correspond to the determination result regarding the failure status (failure occurrence status) that has occurred this time.

Step S105: After the process of step S104, the payment agent server 40 transmits the usage suspension information to each of the payment terminals 30 to be notified of the failure. The payment terminal 30 to be notified of the failure is the payment terminal 30 introduced at the store ST included in the failure occurrence area specified in step S103. The payment agent server 40 may target the payment terminal 30 whose area indicated by the area information is included in the failure occurrence area specified in step S103 among the payment terminals 30 managed by the payment terminal management information. ..
The suspension information is information regarding suspension of use of credit card payment. Specifically, the usage suspension information of the present embodiment includes information indicating a brand identified as a non-settlement brand in step S104. That is, the usage suspension information is information that instructs the payment terminal 30 to suspend credit card payment on a brand-by-brand basis.

Steps S106 and S107 will be described later because they are effective processes when the process is returned to step S105 because it is determined that the failure has not been resolved in step S110 described later. When it is determined in step S102 that a failure has occurred and step S105 is executed for the first time, the processing of steps S106 and S107 may be skipped and the processing may proceed from step S105 to step S108.

Step S108: The settlement agency server 40 collects failure information and determines what the failure status (failure occurrence status) that has occurred this time is at present. The payment agent server 40 may be configured to identify the current failure occurrence area and the current non-settlement brand as the determination of the failure occurrence status here.

Step S109: The settlement agency server 40 determines whether or not the failure occurrence status determined in step S108 has changed from the failure occurrence status so far. If it is determined that there is no change in the failure occurrence status, the process is returned to step S108. Specific examples of the change in the failure occurrence status determined in step S109 include an increase, decrease, movement of the failure occurrence area, a change in the non-settlement brand, and the like.

Step S110: When it is determined in step S109 that there is a change in the failure occurrence status, the settlement agent server 40 determines whether or not the failure has been resolved as a result of the change in the failure occurrence status. As a result of the change in the failure occurrence status, the settlement agency server 40, for example, is in a situation where failure information is not collected, or even when failure information is collected, as a result of analysis based on the content of the failure information, etc. When it is determined that no failure has occurred, it may be determined that the failure has been resolved.
If it is determined that the failure has not been resolved, the process is returned to step S105.

When the process is returned from step S110 to step S105 as described above, the payment agent server 40 requests the payment terminal 30 corresponding to the failure occurrence area according to the failure occurrence situation after the change in step S105. Send suspension information. The usage suspension information transmitted at this time has the content of instructing the suspension of use of the non-settlement brand specified under the failure occurrence situation after the change.

Step S106: When the process is returned from step S110 to step S105, the payment agent server 40 further determines whether or not there is a payment terminal 30 in which the failure has been resolved due to the change in the failure occurrence status this time. For example, the settlement agency server 40 was included in the failure occurrence area before the failure occurrence situation changed, but in response to the change in the failure occurrence situation, the store ST is no longer included in the failure occurrence area. The payment terminal 30 is determined as the payment terminal 30 for which the failure has been resolved.

Step S107: When it is determined in step S106 that there is a payment terminal 30 whose failure has been resolved, the payment agency server 40 transmits a usage suspension cancellation notification to the payment terminal 30 which has determined that the failure has been resolved. The suspension cancellation notice notifies that credit card payment of all brands is possible when the obstacle is resolved.
After the processing in step S107, or when it is determined in step S106 that there is no payment terminal 30 for which the failure has been resolved, the processing proceeds to step S108.

Step S111: When it is determined in step S110 that the failure has been resolved, the settlement agent server 40 transmits a usage suspension cancellation notice. In the step S111, the payment agent server 40 may transmit the usage suspension cancellation notification only to the payment terminal 30 to which the usage suspension information is transmitted in the final step S105. Alternatively, in step S111, a notice of cancellation of suspension of use may be transmitted to all payment terminals 30 managed by the payment terminal management information by broadcasting.

Next, an example of the processing procedure of the payment terminal 30 will be described.
Step S201: The payment terminal 30 determines whether or not the usage suspension information transmitted from the payment agent server 40 has been received in step S105.

Step S202: A brand (contract brand) contracted by the corresponding store ST as a member store is registered in the payment terminal 30. In the payment process, the payment terminal 30 causes the touch panel display unit 304 to display a brand selection screen for selecting the brand of the credit card used in this transaction from the contract brands. The clerk performs an operation of selecting a brand (brand selection operation) on the brand selection screen, and then causes the payment terminal 30 to execute the terminal payment process.
When it is determined in step S201 that the suspension information has been received, the payment terminal 30 performs a brand selection operation on the brand selection screen of the contract brand indicated as the suspension brand by the suspension information among the contract brands. Is set to disabled.

Step S203: The payment terminal 30 notifies that a failure has occurred at present in response to receiving the usage suspension information.

FIG. 9 shows an example of a mode of the brand selection screen displayed on the touch panel display unit 304 according to the setting that the brand selection operation is disabled for a certain contract brand in step S202.
The brand selection screen in the figure is an example in the case where there are four contract brands, brand A, brand B, brand C, and brand D. On the brand screen in the figure, brand selection buttons BT (BT-A, BT-B, BT-C, BT-D) corresponding to each of the contracted brands, brand A, brand B, brand C, and brand D, are arranged. Has been done. As a brand selection operation, the clerk touches the brand selection button BT corresponding to the brand of the credit card used by the customer.

The brand selection screen in the figure shows an example in which the brand selection operation is disabled for the contract brands B and D among the contract brands A to D. In this case, among the brand selection buttons BT-A to BT-D arranged on the brand selection screen, the brand selection buttons BT-B and BT-D corresponding to the contract brands B and D in which the brand selection operation is disabled are set. Is grayed out and cannot be operated. By displaying the brand selection button BT like this, among the contract brands A to D, the contract brands A and C can be used for credit card payment, while the contract brands B and D are used for credit card payment. It is clearly stated that it is not possible. The display of such a brand selection button BT is an example of an aspect of outputting brand-compatible settlement availability information.

Further, on the brand selection screen of the figure, the failure occurrence notification ALT is displayed. The failure occurrence notification ALT is an example of the failure occurrence notification according to step S203.
The failure occurrence notification ALT is displayed in response to the reception of the suspension information. In the failure notification ALT in the figure, a message notifying that a failure has occurred in the payment system at present is displayed in characters, for example, "A payment system failure is occurring." In addition, in the failure notification ALT in the figure, the non-settlement brands that cannot be used for credit card payment at the payment terminal 30 at present, such as "crowded: brand B, brand C", are brand B and brand D. A message of something is displayed in characters. The display of such a failure occurrence notification ALT is an example of an aspect of outputting brand-compatible settlement availability information.

In the failure occurrence notification ALT, for example, only a message notifying that a failure has occurred in the payment system may be shown. In this case, even if the non-settlement brand is not specified in the failure notification ALT, the clerk can grasp that at least one of the contract brands cannot be settled by credit card. This is an example of the output mode.
In addition, the failure occurrence area information may be included in the usage suspension information, and the failure occurrence notification ALT may be used to notify the area where the failure has occurred.
Further, even if the display on the touch panel display unit 304 transitions from the brand selection screen to another screen, the failure occurrence notification ALT may be continuously displayed on the other screen after the transition.

The explanation is returned to FIG.
Step S204: If it is determined in step S201 that the usage suspension information is not received, or after the processing of step S203, has the payment terminal 30 received the usage suspension cancellation notification transmitted in step S107 or step S111? Judge whether or not.

If it is determined in step S204 that the notice of cancellation of suspension of use is not received, the process is returned to step S201. As a result, depending on steps S202 and S203 when it is determined that the suspension information has been received in the second and subsequent steps S201, the brand selection that reflects the change in the non-settlement brand as the change in the failure occurrence status. The button BT is displayed and the failure occurrence notification ALT is displayed.

Step S205: When it is determined in step S204 that the notice of cancellation of suspension of use has been received, the payment terminal 30 is set so that the brand selection operation for all contract brands can be performed. As a result, when the payment terminal 30 subsequently displays the brand selection screen, the brand selection button BT corresponding to all contract brands can be operated.

Step S206: Further, the payment terminal 30 ends the failure occurrence notification performed in step S203 in response to the receipt of the usage suspension release notification. Specifically, the payment terminal 30 erases the failure occurrence notification ALT that has been displayed so far.
The payment terminal 30 may display a message notifying that the failure has been resolved on the touch panel display unit 304 when the failure occurrence notification ALT is deleted. The message notifying that the failure has been resolved may be deleted after a certain period of time from the start of the display, or is deleted according to the confirmation operation of the clerk (for example, the operation for the confirmation button displayed together with the message). You may do so.

<Second Embodiment>
Subsequently, the second embodiment will be described. In the first embodiment, the failure occurrence notification is performed on the payment terminal. On the other hand, in the present embodiment, as described below, the POS terminal 20 connected to the payment terminal 30 at the store ST is configured to notify the occurrence of a failure.

With reference to the flowchart of FIG. 10, an example of a processing procedure executed by the payment agent server 40, the payment terminal 30, and the POS terminal 20 in the payment system of the present embodiment in connection with the provision of information regarding the occurrence of a failure will be described. In the figure, the steps that are the same as those in FIG. 8 are designated by the same reference numerals as those in FIG.

The settlement agency server 40 of the present embodiment executes the processes of steps S101 to S110 in the same manner as in FIG.

The payment terminal 30 of the present embodiment executes steps S203-1 and S206-1 as follows, instead of ending the failure occurrence notification in step S203 and the failure occurrence notification in step SS206 in FIG.

Step S203-1: The payment terminal 30 transmits the usage suspension information to the POS terminal 20.
The usage suspension information transmitted in step S203-1 has a format and contents adapted to the mode of failure occurrence notification performed by the POS terminal 20 by the payment terminal 30 based on the usage suspension information received in step S201. It may be the information generated so as to be. The suspension information transmitted in step S203-1 includes information indicating which of the contract brands is currently regarded as a non-settlement brand. Further, when the usage suspension information received in step S201 includes information indicating the current failure occurrence area, the usage suspension information transmitted in step S203-1 also includes information indicating the current failure occurrence area. You can.

Step S206-1: The payment terminal 30 transmits a notice of cancellation of suspension of use to the POS terminal 20. The usage suspension cancellation notification transmitted in step S206-1 is in a format adapted to the mode of the failure resolution notification performed by the payment terminal 30 on the POS terminal 20 based on the usage suspension cancellation notification received in step S204. It may be information generated so as to be the contents.
As described above, in the present embodiment, the payment terminal 30 transmits the usage suspension information and the usage suspension cancellation notification to the POS terminal 20 as a mode for outputting the brand payment availability information.

Subsequently, an example of the processing procedure executed by the POS terminal 20 will be described.
Step S301: The POS terminal 20 determines whether or not the usage suspension information transmitted from the payment terminal 30 has been received in step S203-1.

Step S302: The POS terminal 20 notifies the occurrence of a failure in response to receiving the usage suspension information transmitted from the payment terminal 30. As the failure occurrence notification in step S302, the POS terminal 20 is configured to display the failure occurrence notification ALT in FIG. 9 at a predetermined position on the display surface on the clerk side display unit 210. good.

Step S303: After the processing of step S302, or when it is determined in step S301 that the usage suspension information is not received, the POS terminal 20 receives the usage suspension cancellation notification transmitted from the payment terminal 30 in step S206-1. Determine if it has been done.

If it is determined in step S303 that the notification of cancellation of suspension of use is not received, the process is returned to step S301. As a result, depending on step S302 when the suspension information is received in the second and subsequent steps S301, the failure occurrence notification ALT is displayed so that the change in the non-settlement brand as the change in the failure occurrence status is reflected. Will be done.

Step S304: When it is determined in step S303 that the usage suspension release notification has been received, the POS terminal 20 ends the failure occurrence notification performed in step S302. Specifically, the POS terminal 20 erases the failure occurrence notification that has been displayed on the clerk side display unit 210.
The POS terminal 20 may display a message notifying that the failure has been resolved on the clerk side display unit 210 when the failure occurrence notification is deleted. In this case as well, the message notifying that the failure has been resolved may be deleted after a certain period of time from the start of display, or may be performed by a clerk's confirmation operation (for example, an operation on the confirmation button displayed together with the message). It may be erased accordingly.

In the POS terminal 20, the clerk performs an operation according to the accounting according to each transaction regardless of whether or not the credit card payment is performed. Therefore, by displaying the failure occurrence notification on the clerk side display unit 210 of the POS terminal 20 as in the present embodiment, the clerk can easily notice the occurrence of the failure. Further, the size of the display surface of the clerk side display unit 210 of the POS terminal 20 is larger than that of the touch panel display unit 304 of the payment terminal 30. Therefore, it is possible to make the display of the failure occurrence notification easy to see and to display detailed information.

In addition, in this embodiment, the settlement terminal 30 may also perform the failure occurrence notification together with the POS terminal 20.

<Third Embodiment>
In each of the above embodiments, the payment terminal 30 executes the payment process only for the credit card as the non-cash payment type, and notifies the failure occurrence only for the credit card. On the other hand, in the payment system of the present embodiment, the payment terminal 30 is configured to enable payment not only by a credit card but also by other predetermined non-cash payment types. Along with this, in the payment system of the present embodiment, it is possible to notify the occurrence of a failure for a non-cash payment type that can be settled by the payment terminal 30.
On that basis, the payment system of the present embodiment has a configuration in which the payment terminal 30 notifies the occurrence of a failure, as in the first embodiment.

The payment agency server 40 of the present embodiment is further connected to a server corresponding to each brand of non-cash payment type other than the credit card contracted by the store ST with respect to the configuration of FIG.
Then, in executing the process of FIG. 8, the settlement agency server 40 of the present embodiment collects failure information corresponding to each of the non-cash settlement types contracted by the store ST (step S101), and a failure occurs. If this is the case, the failure area and the non-settlement brand are identified (steps S102 to S104). In this case, the payment agency server 40 transmits the usage suspension information indicating that payment is not possible for each brand of the non-cash payment type contracted by the store ST to the payment terminal according to the failure occurrence status (step S105).
The payment terminal 30 of the present embodiment sets the operation of selecting the suspension brand to be disabled in response to the reception of the suspension information, and notifies the occurrence of a failure (steps S201 to S203). The payment terminal 30 may be configured to notify the occurrence of a failure, for example, as follows.

FIG. 11A shows an example of a payment type selection screen displayed on the touch panel display unit 304 of the payment terminal 30 of the present embodiment. On the payment operation screen of the figure, the non-cash payment type selection button BT1 (BT1-1 to BT1-5) is arranged. The non-cash payment type selection button BT1 is a button in which a clerk performs an operation of selecting a non-cash payment type to be used for payment processing.
In the example of the figure, the non-cash payment type selection button BT1-1 is a button operated when selecting the use of a credit card as the non-cash payment type.
The non-cash payment type selection button BT1-2 is a button operated when selecting the use of a transportation IC card as the non-cash payment type.
The non-cash settlement type selection button BT1-3 is a button operated when selecting the use of electronic money as the non-cash settlement type.
The non-cash payment type selection button BT1-4 is a button operated when selecting the use of code payment as the non-cash payment type.
The non-cash payment type selection button BT1-5 is a button operated when selecting the use of a debit card as the non-cash payment type.

When the non-cash payment type selection button BT1 is operated, the display on the touch panel display unit 304 is changed from the payment type selection screen in the figure to the display of the brand selection screen corresponding to the operated non-cash payment type selection button BT1. Will be done. The brand selection screen is a screen on which an operation of selecting a brand that can be processed by the payment terminal 30 in the non-cash payment type is performed.

On the payment type selection screen of the figure, among the non-cash payment type selection buttons BT1, the non-cash payment type selection button BT1-3 corresponding to the non-cash payment type of electronic money is displayed as "failure occurred". This is a failure occurrence notification that notifies that a failure has occurred in at least one of the brands included in the non-cash settlement type as electronic money.

When the non-cash payment type selection button BT1-3 is operated in the state of performing such a failure notification, the touch panel display unit 304 displays, for example, the brand selection screen shown in FIG. 11B. Is displayed.

On the brand selection screen in the figure, the brand selection button corresponding to each of the three electronic money brands "electronic money A", "electronic money B", and "electronic money C" in the non-cash payment type as electronic money. BT2 (BT2-1, BT2-3, BT2-2) is arranged. In such a brand selection screen, the store ST has a contract with each electronic money brand of "electronic money A", "electronic money B", and "electronic money C", and the payment terminal 30 has these three electronic devices. It shows that payments corresponding to the money brand are possible. The clerk operates the brand selection button BT2 corresponding to the brand of electronic money used by the customer for payment. The payment terminal 30 selects a brand corresponding to the operated brand selection button BT2 as the brand of the electronic money to be processed, communicates with the payment agent server 40, and responds to the electronic money of the selected brand. Execute payment processing. At this time, the payment terminal 30 can perform the payment process by communicating with a terminal such as a smartphone or the like that functions as, for example, an electronic money card of the selected brand or an electronic money card of the selected brand.

However, on the brand selection screen of the figure, of the brand selection buttons BT2, the second brand selection buttons BT2-1 and BT-3 from the top are in an active state in which they can be operated. On the other hand, the brand selection button BT2-2 arranged at the bottom of the brand selection button BT2 cannot be operated due to, for example, graying out, and a message "communication failure" is displayed. This indicates that among the electronic money brands that the payment terminal 30 can handle payment processing, "electronic money 003" cannot be processed due to a communication failure at present.
If no failure has occurred in any of the brands of electronic money, the brand selection buttons BT2-1, BT2-2, and BT2-3 are arranged in this order from top to bottom on the brand selection screen. That is, the brand selection button BT2 is arranged in the order of "electronic money A", "electronic money B", and "electronic money C" from top to bottom.
However, as in this case, in a situation where "electronic money B" is a non-settlement brand, the brand selection button BT2-2 corresponding to "electronic money B" is located at the bottom of the brand. The arrangement of the selection button BT2 is changed. By changing the arrangement in this way, the brand selection buttons BT2 that can be operated are collectively arranged on the upper side, so that the brand selection operation can be easily performed.

<Fourth Embodiment>
Subsequently, the fourth embodiment will be described. Similar to the third embodiment, the payment system of the present embodiment is configured so that the payment terminal 30 can perform not only a credit card but also a payment corresponding to another predetermined non-cash payment type. Along with this, in the payment system of the present embodiment, it is possible to notify the occurrence of a failure for a non-cash payment type that can be settled by the payment terminal 30.
On that basis, the payment system of the present embodiment has a configuration in which the POS terminal 20 notifies the occurrence of a failure, as in the second embodiment.

In the payment system of the present embodiment, the payment terminal 30 transmits to the POS terminal 20 usage suspension information indicating a non-settlement brand for each non-cash payment type contracted by the store ST. The POS terminal 20 notifies the occurrence of a failure based on the received suspension information.

The failure occurrence notification in the present embodiment may be performed on the brand selection screen displayed on the clerk side display unit 210 of the POS terminal 20. The brand selection screen is displayed according to the operation of the clerk when the customer makes a non-cash settlement when the POS terminal 20 shifts to the settlement according to, for example, the subtotal corresponding to one transaction.

FIG. 12 shows an example of the brand selection screen. On the brand selection screen in the figure, the brand selection button BT3 (BT3-1, BT3-2, BT3-3, BT3-4) associated with the brand for each non-cash payment type of credit card, electronic money, and code payment. , BT3-11, BT3-12, BT3-21, BT3-22).
The brand selection buttons BT3-1, BT3-2, BT3-3, and BT3-4 correspond to the brands of credit card A, credit card B, credit card C, and credit card D, which belong to the non-cash payment type of credit card, respectively. do.
The brand selection buttons BT3-11 and BT3-12 correspond to the brands of electronic commerce A and electronic commerce C, which belong to the non-cash settlement type of electronic commerce, respectively.
The brand selection buttons BT3-21 and BT3-22 correspond to the brands of code payment D and code payment F, which belong to the non-cash payment type of electronic money, respectively.
The clerk selects the non-cash payment type and its brand to be used for this payment by operating the brand selection button BT3 corresponding to the non-cash payment type used by the customer and the brand.
The POS terminal 20 specifies the selected non-cash payment type and brand, and instructs the payment terminal 30 to perform payment processing. The payment terminal 30 executes payment processing according to the designated non-cash payment type and brand.

<Modification example>
Hereinafter, a modified example of the present embodiment will be described.

[First modification]
In each of the above embodiments, the failure-occurring area and the non-settlement brand are specified according to the failure occurrence.
As an example of this modification, the non-settlement brand is specified according to the occurrence of a failure, but the area where the failure occurs is not specified. In this modification, the settlement agent server 40 may omit the process of step S103 under the process of FIG. 8 or FIG. In this case, the payment terminal 30 that is the destination of the usage suspension information in step S105 and the payment terminal 30 that is the destination of the usage suspension cancellation notification in step S107 or step S111 are all managed by the payment terminal management information, respectively. It may be transmitted to the payment terminal 30 of. Further, in this case, the non-settlement brands indicated by the suspension information include all the non-settlement brands corresponding to the entire failure area.
In the case of this modification, the payment agent server 40 may transmit the usage suspension information indicating the same non-settlement brand to all the payment terminals 30 managed by the payment terminal management information.

[Second modification]
In this modification, contrary to the first modification, the failure area is specified according to the failure occurrence, but the non-settlement brand is not specified. In this modification, the settlement agent server 40 may omit the process of step S104 under the process of FIG. 8 or FIG. In this case, in step S105, the payment agent server 40 transmits the usage suspension information that does not reflect the specific result of the non-settlement brand to the payment terminal 30 of the store ST included in the failure occurrence area. The payment terminal 30 that has received such usage suspension information may be set in step S202 so that, for example, the brand selection operation of all contract brands is disabled.

[Third variant]
In each of the above embodiments, the failure-occurring area and the non-settlement brand are immediately identified according to the determination that the failure has occurred.
On the other hand, in this modified example, when it is determined that a failure has occurred, the settlement agency server 40 first setstles without specifying either the failure-occurring area brand or the non-settlement brand. The usage suspension information (primary usage suspension information) is transmitted to all the payment terminals 30 managed by the terminal management information. The payment terminal 30 that has received the primary usage suspension information sets the selection operation to be disabled for all contract brands.
After transmitting the primary usage suspension information, the payment agency server 40 monitors the failure status while collecting the failure information, and the failure occurrence area and the non-settlement brand (first modification) identified according to the change in the failure status. , Either the failure occurrence area or the non-settlement brand may be specified according to the second modification), and the usage suspension information (secondary usage suspension information) and the usage suspension cancellation notification should be transmitted. May be made. The secondary usage suspension information has contents instructing the suspension of use of the specified non-settlement brand.
For example, depending on the situation and cause of the failure, it may take time for the payment agent server 40 to identify the failure area and the non-settlement brand. According to the configuration of this modification, first, each of the payment terminals 30 under the control of the payment agency server 40 is set so that credit card payment is not possible for all contract brands in response to the occurrence of a failure. The failure occurrence notification is also performed. That is, under this modified example, it is possible to quickly inform the store ST side that a failure has occurred.
After that, each time the failure is gradually recovered, the contract brand for which credit card payment was not possible returns to the state where credit card payment is possible for each of the payment terminals 30. Can be done.

[Fourth variant]
In each of the above embodiments, a case where a credit card is used for non-cash payment and the payment terminal 30 supports credit card payment is given as an example. However, the non-cash payment that the payment terminal 30 can handle may be a payment using an electronic money card, a point card, or a transportation card.

[Fifth variant]
It should be noted that the device for transmitting the usage suspension information and the usage suspension cancellation notification according to the failure occurrence status is other than the payment agency server 40, and a device such as another server connected to the payment terminal 30 so as to be able to communicate with the payment terminal 30. May be done. Further, for example, a plurality of devices distributed on the network may cooperate with each other to transmit the usage suspension information and the usage suspension cancellation notification according to the failure occurrence status.

[6th variant]
In each of the above embodiments, an example is a configuration of a payment system called an inward rotation method in which the POS terminal 20 and the payment agent server 40 are connected to the payment terminal 30 and the POS terminal 20 itself does not communicate with the payment agent server 40. Listed in. In the inward payment system, since the POS terminal 20 does not hold the information of the non-cash payment card such as a credit card, the security of the information of the non-cash payment card can be easily ensured.
On the other hand, when the payment terminal and the payment agent server are connected to the POS terminal, the information of the non-cash payment card read by the payment terminal is transmitted from the POS terminal to the payment agent server. The configuration of a payment system called a point-of-sale method is also known. The configuration related to the failure occurrence notification of the present embodiment may also be applied to the payment system of the outer loop method. In this case, first, the POS terminal can notify the occurrence of a failure based on the usage suspension information transmitted from the payment agent server. Further, by transmitting (transferring) the usage suspension information from the POS terminal to the payment terminal, the payment terminal can notify the occurrence of a failure.

[7th variant]
In each of the above embodiments, an example is given in which a non-cash settlement brand is performed according to the operation of a clerk. However, for example, the payment terminal 30 recognizes the non-cash payment type and brand based on the information read from the non-cash payment card used by the customer (may be a terminal such as a smartphone having a card function), and performs the payment process. It may be made to do.
In this case, as a failure notification, for example, after presenting a list of non-cash payment types, brands, etc. that can be handled at the store ST, it is shown that the list items of non-settlement brands are in a non-settlement state. May be displayed in a predetermined manner. Alternatively, a list item or icon of a non-settlement brand may be displayed for notification.

[8th modification]
The payment terminal 30 and the POS terminal 20 may perform a failure notification by voice. In this case, the payment terminal 30 and the POS terminal 20 may perform failure occurrence notification by voice and display in parallel.

<Summary of Embodiment>
(1) As described above, one aspect of the present embodiment is to communicate a non-cash payment (for example, credit card payment) corresponding to a non-cash payment brand with a payment processing device (for example, a payment agent server 40). The payment method that can be executed via the above, the receiving means that receives the payment possibility information (for example, usage suspension information, usage suspension cancellation notification) regarding the possibility of non-cash payment, and the payment possibility information are received by the receiving means. According to the control means (steps S202 and S205) for controlling whether or not the non-cash settlement corresponding to the non-cash settlement brand can be executed, and the brand-compatible settlement regarding the feasibility of executing the non-cash settlement corresponding to the non-cash settlement brand. A payment terminal device (for example, a payment terminal 30) including an output means for outputting availability information.

According to the above configuration, the payment terminal 30 can receive payment availability information in response to a failure in the payment system. The payment terminal 30 controls whether or not non-cash payment can be executed corresponding to the non-cash payment brand in response to receiving the payment possibility information, and outputs information regarding whether or not the non-cash payment corresponding to the brand can be executed. ..
As a result, for example, the store clerk at the store ST can not perform non-cash payment on a brand-by-brand basis by checking the information regarding whether or not non-cash payment can be executed, which is output in response to a failure in the payment system. Can be grasped. As a result, it is possible to suppress confusion at the site when a failure occurs in a payment system that supports credit card payment or the like.

For example, the settlement agency server 40 of the settlement agency monitors the communication status with each of the acquirer server 50 and the issuer server 80, and transmits the settlement availability information to the settlement terminal, so that the store ST can take measures. Therefore, it is possible to avoid the stagnation of payment processing at the store ST due to the occurrence of a failure in advance. In addition, for example, a payment agency or a call center determines the occurrence of a failure based on information about a failure reported from a store, etc., and the non-cash settlement brand or non-cash settlement that has become unavailable cannot be used. Notifying information about the area By notifying the payment terminal of payment availability information, it is possible to take appropriate measures such as an announcement to the customer in advance by a clerk or the like at the store ST.

(2) One aspect of the present embodiment is the payment terminal device according to (1), wherein the control means uses a non-cash payment brand that cannot execute non-cash payment for non-cash payment. Control so that it cannot be selected as a cash settlement brand.

According to the above configuration, it is possible to prevent the operation of selecting a brand to be used for credit card payment from being accepted for a brand for which credit card payment is not possible due to the occurrence of a failure. As a result, in the store, a brand that cannot accept credit card payments is no longer selected as a brand used for credit card payments, so that confusion at the site can be effectively suppressed.

(3) One aspect of the present embodiment is the payment terminal device according to (1) or (2), wherein the output means is a product that executes product sales data processing corresponding to a transaction to be settled. The brand-compatible payment availability information is output to the sales data processing device (for example, the POS terminal 20).

According to the above configuration, the POS terminal 20 can perform a failure occurrence notification based on the brand-compatible payment availability information.

(4) One aspect of the present embodiment is the payment terminal device according to any one of (1) to (3), wherein the output means is for selecting a non-cash payment brand to be used for non-cash payment. On the screen for this purpose, the content of the brand-compatible payment availability information is reflected.

According to the above configuration, on the screen where the operation for selecting the non-cash settlement brand is performed, the non-settlement brand is displayed. Therefore, the clerk does not select or prevents the non-settlement brand from being selected. It is possible to improve the operability regarding the selection of the cash settlement brand.

(5) One aspect of the present embodiment is a payment terminal device (for example, a payment terminal 30) that enables non-cash payment to be executed via communication with a payment processing device and is installed in each store, and the payment terminal device. The management device includes a management device (for example, a payment agent server 40) that manages each of the above, and the management device includes a transmission means for transmitting payment availability information regarding the possibility of non-cash payment to the payment terminal device. Is a payment system including a control means for controlling whether or not non-cash payment can be executed in response to receiving the payment availability information.

According to the above configuration, the payment terminal 30 controls whether or not non-cash payment can be executed in response to the occurrence of a failure in the payment system. In this case, the clerk can grasp that the failure has occurred, for example, because the execution of the non-cash payment is stopped (prohibited) on the payment terminal 30. As a result, it is possible to suppress confusion at the site when a failure occurs in a payment system that supports credit card payment or the like.

(6) One aspect of the present embodiment is the payment system according to (4), wherein the management device is a payment terminal that meets a predetermined condition from among the payment terminal devices installed in each store. The transmission means transmits the payment possibility information to the payment terminal device specified by the specific means.

According to the above configuration, payment availability information can be transmitted only to the payment terminal 30 that meets the condition that, for example, the payment terminal 30 is installed in the store ST in the failure area. As a result, it is possible to prevent the failure occurrence notification from being performed at the store ST in the area where the failure has not occurred.

(7) One aspect of the present embodiment is a display control means for selectively displaying the use of the non-cash settlement brand used for non-cash settlement, and a non-cash corresponding to the non-cash settlement brand transmitted from the settlement agency server. Product sales that notify about non-cash settlement brands that cannot be non-cash settlement based on the receiving means that receives brand-enabled settlement availability information regarding the execution availability of payment and the brand-compatible settlement availability information received by the receiving means. It is a data processing device (for example, a POS terminal).

According to the above configuration, it is possible to notify the non-settlement brand on the POS terminal of the outbound payment system.

A program for realizing the functions as the above-mentioned POS terminal 20, payment terminal 30, payment agency server 40, etc. is recorded on a computer-readable recording medium, and the program recorded on the recording medium is stored in the computer system. By reading and executing, the above-mentioned processing as the POS terminal 20, the payment terminal 30, the payment agent server 40, and the like may be performed. Here, "loading and executing a program recorded on a recording medium into a computer system" includes installing the program in the computer system. The term "computer system" as used herein includes hardware such as an OS and peripheral devices. Further, the "computer system" may include a plurality of computer devices connected via a network including a communication line such as the Internet, WAN, LAN, and a dedicated line. Further, the "computer-readable recording medium" refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, or a CD-ROM, or a storage device such as a hard disk built in a computer system. As described above, the recording medium in which the program is stored may be a non-transient recording medium such as a CD-ROM. The recording medium also includes an internal or external recording medium that can be accessed from the distribution server to distribute the program. The code of the program stored in the recording medium of the distribution server may be different from the code of the program in a format that can be executed by the terminal device. That is, the format stored in the distribution server does not matter as long as it can be downloaded from the distribution server and installed in a form that can be executed by the terminal device. The program may be divided into a plurality of parts, downloaded at different timings, and then combined by the terminal device, or the distribution server for distributing each of the divided programs may be different. Furthermore, a "computer-readable recording medium" is a volatile memory (RAM) inside a computer system that serves as a server or client when a program is transmitted via a network, and holds the program for a certain period of time. It shall also include things. Further, the above program may be for realizing a part of the above-mentioned functions. Further, it may be a so-called difference file (difference program) that can realize the above-mentioned function in combination with a program already recorded in the computer system.

20 POS terminal, 30 payment terminal, 40 payment agency server, 50 acquirer server, 60 call center terminal, 70 carrier terminal, 80 issuer server, 201 CPU, 202 ROM, 203 RAM, 204 hard disk, 205 customer side display, 206 Customer side scanner unit, 208 card reader, 209 change machine, 210 clerk side display unit, 211 key operation unit, 212 clerk side scanner unit, 213 printing unit, 214 audio output unit, 215 communication unit, 301 POS compatible communication unit, 302 server compatible communication unit, 303 card reader, 304 touch panel display unit, 304 touch panel display unit, 305 key operation unit, 306 control unit, 401 communication unit, 402 control unit, 403 storage unit

Claims (7)

A payment method that can execute non-cash payments corresponding to non-cash payment brands via communication with a payment processing device,
Receiving means for receiving payment availability information regarding non-cash payment availability,
A control means for controlling whether or not the non-cash settlement corresponding to the non-cash settlement brand can be executed according to the receipt of the settlement possibility information by the receiving means.
A payment terminal device including an output means for outputting brand-compatible payment availability information regarding whether or not non-cash payment can be executed corresponding to the non-cash payment brand. The payment terminal device according to claim 1, wherein the control means controls a non-cash payment brand that cannot execute non-cash payment so that it cannot be selected as a non-cash payment brand used for non-cash payment. The payment terminal device according to claim 1 or 2, wherein the output means outputs the brand-compatible payment availability information to a product sales data processing device that executes product sales data processing corresponding to a transaction to be settled. The output means is any one of claims 1 to 3 so that the screen for selecting a non-cash settlement brand to be used for non-cash settlement is displayed so as to reflect the content of the brand-compatible settlement availability information. The payment terminal device described in. It is equipped with a payment terminal device that enables non-cash payment to be executed via communication with a payment processing device and is installed in each store, and a management device that manages each of the payment terminal devices.
The management device is
A transmission means for transmitting payment availability information regarding the possibility of non-cash payment to the payment terminal device is provided.
The payment terminal device is
A payment system including a control means for controlling whether or not non-cash payment can be executed in response to receiving the payment availability information. The management device is
A specific means for identifying a payment terminal that meets a predetermined condition from among the payment terminal devices installed in each store is provided.
The payment system according to claim 5, wherein the transmission means transmits payment availability information to a payment terminal device specified by the specific means. A display control means that selectively displays the use of non-cash payment brands used for non-cash payments,
A receiving means for receiving brand-compatible payment availability information regarding whether or not non-cash payment can be executed corresponding to a non-cash payment brand sent from a payment agent server.
A product sales data processing device that notifies a non-cash settlement brand that cannot be non-cash settlement based on the brand-compatible settlement availability information received by the receiving means.

Images