JP2023004289A - Payment device, program and payment method - Google Patents

Abstract

To provide a payment method in which settlement information on electronic money or the like stored in a medium such as a point card can be handled without making a user feel complicated and without impairing the versatility of the payment method.SOLUTION: First acquisition means acquires identification information of a payer and settlement information from information held by a first medium. Second acquisition means acquires settlement information from information held by a second medium different from the first medium. Waiting means, when instructed to settle a transaction after the identification information and the settlement information are acquired by the first acquisition means, is instructed to use the settlement information acquired by the first acquisition means or waits for the settlement information to be acquired by the second acquisition means. When instructed to use the settlement information, settlement means settles the transaction with the payer using the settlement information acquired by the first acquisition means. When the second acquisition means acquires the settlement information, the settlement means settles the transaction with the payer using the settlement information acquired by the second acquisition means.SELECTED DRAWING: Figure 3

Description

The embodiments of the present invention relate to a payment device, its program, and a payment method for the payment device.

In recent years, point cards having electronic money functions, so-called point cards with electronic money, have been widely used. With the point card with electronic money, service points accumulated by settling transactions at a point card affiliated store can be charged into house-type electronic money that can be used at the affiliated store, so customers can be retained.

There are two types of point cards with electronic money: interlocking type and non-interlocking type. A linked point card with electronic money is a card in which the electronic money attached to the card is used to automatically pay the price of a transaction set as a transaction for giving service points by reading the card data. . Therefore, it is easy to use in stores where the payment method is limited to electronic money. However, it is not possible to meet the demands of customers who want to settle transactions by means of payment methods other than electronic money.

On the other hand, a non-linked type electronic money attached point card is not limited to the electronic money attached to the card as a payment method. Therefore, it is possible to pay for the transaction to which the service points are given by a payment method other than electronic money such as cash or credit card. It is also possible to pay for the transaction with electronic money attached to another point card. However, even when a customer pays for a transaction with electronic money attached to a point card, the data on the same point card must be re-read before payment, which is cumbersome.

JP-A-07-037147 JP 2012-048694 A

The problem to be solved by the embodiments of the present invention is to provide a payment device that can deal with payment using payment information such as electronic money held in a medium such as a point card without feeling complicated without impairing the versatility of the payment method. and

In one embodiment, the settlement device includes first acquisition means, second acquisition means, standby means, and settlement means. The first acquisition means acquires the identification information of the payer and the payment information used for settlement of the transaction with the payer from the information held by the first medium. The second acquisition means acquires payment information from information held by a second medium different from the first medium. The standby means, when instructed to settle the transaction after the identification information and the payment information are acquired by the first acquisition means, are instructed to use the payment information acquired by the first acquisition means, or are instructed to use the payment information acquired by the first acquisition means. It waits for acquisition of payment information by means. When instructed to use the payment information, the payment means settles the transaction with the payment person using the payment information acquired by the first acquisition means. When the second acquisition means acquires the settlement information, the settlement means settles the transaction with the settler using the settlement information acquired by the second acquisition means.

FIG. 1 is a block diagram showing the functional configuration of a settlement device that is an embodiment; FIG. 4 is a schematic diagram showing the main data structure held by a medium used in one embodiment; FIG. 2 is a block diagram showing the main circuit configuration of a POS terminal, which is an example of a settlement device; FIG. 4 is a flow chart showing the essential procedure of transaction settlement processing executed by the processor of the POS terminal; FIG. FIG. 4 is a flow chart showing the essential procedure of transaction settlement processing executed by the processor of the POS terminal; FIG. 4 is a schematic diagram showing an example of an inquiry screen; FIG.

An embodiment of a settlement device will be described below with reference to the drawings.
FIG. 1 is a block diagram showing the functional configuration of the settlement device 10. As shown in FIG. The settlement device 10 is a device that settles transactions with a settlement person at a store. A payer is, for example, a customer who purchases a product sold at a retail store such as a mass retailer or a specialty store. A payer is a user who uses services provided by a facility store such as a hot bath facility, a sports gym, or an esthetic salon. The settlement device 10 has functions as a reading unit 11 , a storage unit 12 , an input unit 13 , a display unit 14 , a registration unit 15 , an accounting unit 16 and a communication unit 17 .

The reading unit 11 reads data recorded on the medium 20 . The medium 20 is a general term for data holding media such as IC cards, magnetic cards, wireless tags, bar codes, and two-dimensional data codes. When the medium 20 is an IC card, the reading unit 11 is an IC card reader. When the medium 20 is a magnetic card, the reading unit 11 is a magnetic card reader. When the medium 20 is a wireless tag, the reading unit 11 is a wireless tag reader. If the medium 20 is a bar code or two-dimensional data code, the reading section 11 will be a code scanner. The barcode or two-dimensional data code may be affixed or printed on the base material as a label, or may be displayed on the display of a portable information terminal such as a smartphone or tablet terminal. may The reading unit 11 can be rephrased as reading means.

The medium 20 is owned by a payer who has become a member of the store. The medium 20 is used when a settlement person settles a transaction at a store that has become a member. The store may be an independent store or a chain store. The member is, for example, a point service member who is awarded points for settlement of transactions. The member may be, for example, a preferential member who is given points or similar privileges by visiting the store. The medium 20 has identification information for identifying that the owner of the medium 20 is a member. This identification information is hereinafter referred to as a member ID.

The medium 20 also holds settlement information used for settlement of transactions at the store. The payment information is, for example, information related to electronic money. Information related to electronic money is identification information corresponding to the balance of electronic money, so-called electronic money ID. The electronic money ID may be the same as the member ID, or may be different. The payment information is not limited to the electronic money ID. For example, the balance of electronic money may be recorded by the medium 20 as information related to electronic money, that is, payment information. The payment information may also be information related to credit cards, such as credit card numbers.

In addition, below, a member is a point service member. Settlement information is an electronic money ID. The medium 20 is assumed to be an IC card or a magnetic card. That is, in this embodiment, the point card with electronic money is used as an example of the medium 20 . As for the medium 20, the point card with electronic money owned by the first owner is referred to as the first medium 201, and the point card with electronic money owned by the second owner is referred to as the second medium 202. show.

The storage unit 12 stores the data of the medium 20 read by the reading unit 11 . The storage unit 12 has at least a storage area 121 for the member ID read from the medium 20 and a storage area 122 for the electronic money ID. The storage unit 12 can be rephrased as storage means.

The input unit 13 receives input of data relating to transactions with the payer. For example, the input unit 13 receives input of data related to product purchase by the payer. For example, the input unit 13 receives input of data relating to the facility usage status of the payer. The input unit 13 can be rephrased as input means.

The display unit 14 displays data related to the transaction to the store clerk or the payer. For example, the display unit 14 displays the price of the product purchased by the payer, the total amount, and the like. For example, the display unit 14 displays the facility usage fee or the like according to the usage status of the payer. The display unit 14 can be rephrased as display means.

The registration unit 15 registers transaction sales data based on the data input via the input unit 13 . For example, the registration unit 15 registers sales data of products purchased by a settlement person. For example, the registration unit 15 registers the sales data of the facility accompanying the use of the payer. The registration unit 15 can be rephrased as registration means.

The accounting unit 16 accounts for the settlement amount calculated based on the sales data registered by the registration unit 15 . The settlement amount is, for example, the total amount of products purchased by the settlement person. The settlement amount is, for example, the usage fee of the facility used by the settlement person. The accounting section 16 supports at least electronic money payments. The accounting unit 16 preferably also accepts payment methods other than electronic money, such as cash payment and credit card payment. The accounting unit 16 can be rephrased as accounting means.

The communication unit 17 connects the communication network 30 . The communication unit 17 performs data communication with the point server 40 and the electronic money server 50 via the communication network 30 . The communication network is typically an intranet. The communication network may be a WAN (Wide Area Network), a LAN (Local Area Network), the Internet, or the like. The communication unit 17 can be rephrased as communication means.

A point server 40 manages a point database 41 . The point database 41 is a collection of point records generated for each member. A point record is a data record that records the member ID of a member and the points owned by the member.

The electronic money server 50 manages an electronic money database 51 . The electronic money database 51 is a collection of electronic money records generated for each member. The electronic money record is a data record in which the member's electronic money ID and the electronic money balance owned by the member are recorded. By the way, the member can convert the points of the point record containing his own member ID into electronic money and charge the electronic money of the electronic money record containing his own electronic money ID.

FIG. 2 is a schematic diagram showing a main data structure 21 held by the medium 20. As shown in FIG. As shown, the medium 20 has a data structure 21 including a type code, member ID, electronic money ID and cooperation flag. The type code is data indicating that the medium 20 is a point card with electronic money. The member ID and electronic money ID are as described above.

The link flag is 1-bit data for identifying whether or not the point card is linked with the electronic money function. A member who becomes a point service member and obtains a point card with electronic money does not necessarily need to use the electronic money associated with the point card for settlement of transactions. Electronic money associated with a point card is house-type electronic money that can be used only at point card affiliated stores. A point member who does not use house-type electronic money to settle transactions invalidates the function of electronic money. In that case, the cooperation flag is 1-bit data indicating non-cooperation, for example, "0". A point member who uses in-house electronic money to settle transactions at member stores activates the electronic money function. In that case, the cooperation flag is 1-bit data indicating cooperation, for example, "1".

Next, as one aspect of the settlement apparatus 10, a POS terminal 60 installed at a checkout counter of a retail store or facility store will be illustrated.

FIG. 3 is a block diagram showing the essential circuit configuration of the POS terminal 60. As shown in FIG. The POS terminal 60 includes a processor 61, a main memory 62, an auxiliary storage device 63, a clock 64, a communication interface 65, a keyboard 66, a scanner 67, a display 68, a printer 69, a card reader 70, a change machine interface 71, a system transmission line 72, and the like. Prepare. The system transmission line 72 includes an address bus, a data bus, control signal lines and the like. The system transmission line 72 connects the processor 61 and other units directly or via a signal input/output circuit, and transmits data signals exchanged between them.

The POS terminal 60 constitutes a computer by connecting a processor 61 , a main memory 62 , an auxiliary storage device 63 , a clock 64 and a communication interface 65 via a system transmission line 72 . The POS terminal 60 connects devices such as a keyboard 66 , a scanner 67 , a display 68 , a printer 69 , a card reader 70 and a change dispenser interface 71 to the computer via a system transmission line 72 .

The processor 61 corresponds to the central portion of the computer. The processor 61 controls each part to realize various functions of the POS terminal 60 according to an operating system or application program. The processor 61 is, for example, a CPU (Central Processing Unit).

The main memory 62 corresponds to the main memory portion of the computer. Main memory 62 includes a non-volatile memory area and a volatile memory area. The main memory 62 stores an operating system or application programs in a non-volatile memory area. The main memory 62 may store data necessary for the processor 61 to control each part in a non-volatile or volatile memory area. The main memory 62 uses a volatile memory area as a work area in which data is appropriately rewritten by the processor 61 . The non-volatile memory area is, for example, ROM (Read Only Memory). A volatile memory area is, for example, a RAM (Random Access Memory).

The auxiliary storage device 63 corresponds to the auxiliary storage portion of the computer. For example, an EEPROM (Electric Erasable Programmable Read-Only Memory), HDD (Hard Disc Drive), SSD (Solid State Drive), or the like can be the auxiliary storage device 63 . The auxiliary storage device 63 stores data used when the processor 61 performs various types of processing, data created by processing in the processor 61, and the like. The auxiliary storage device 63 may store the above application programs.

A clock 64 keeps the date and time. The processor 61 processes the date and time kept by the clock 64 as the current date and time.

Communication interface 65 connects communication network 30 . The POS terminal 60 performs data communication with the point server 40 and the electronic money server 50 connected to the communication network 30 via the communication interface 65 .

The keyboard 66 is an input device provided with various function keys necessary for the POS terminal 60, such as a subtotal key, a cancel key, and a close key, in addition to numeric keys for inputting numerical values.

The scanner 67 is an input device that scans and reads barcodes attached to products, for example. The scanner 67 may be of a type that reads barcodes by scanning laser light, or may be of a type that reads barcodes from images captured by an imaging device.

The display 68 is an output device having a screen capable of displaying various screen information such as an initial screen, a product registration screen, a small plan screen, an inquiry screen, etc., which will be described later. The display 68 includes an operator display and a customer display. The display 68 may be a touch panel having a touch sensor arranged on the screen.

A printer 69 is an output device for printing transaction receipts, credit slips, and the like.

The card reader 70 is an input device that reads data from a point card with electronic money, which is the medium 20 . That is, the card reader 70 is an IC card reader or a magnetic card reader. A medium from which data can be read by the card reader 70 is not limited to a point card with electronic money. For example, if the card reader is an IC card reader, it is possible to read the data of credit cards made up of IC cards, common electronic money cards, and the like. A common electronic money card is, for example, a card compatible with transportation electronic money. For example, if the card reader is a magnetic card reader, it is possible to read data from magnetic cards such as credit cards and prepaid cards.

The change machine interface 71 connects an automatic change machine (not shown). The change machine interface 71 inputs the amount data of the money thrown into the automatic change machine from the automatic change machine. The change machine interface 71 outputs change data to the automatic change machine. An automatic change machine to which change data is input automatically dispenses money corresponding to the change data as change.

In the POS terminal 60 having such a configuration, the card reader 70 functions as the reading section 11 and the main memory 62 functions as the storage section 12 . Therefore, the main memory 62 has a member ID storage area 121 and an electronic money ID storage area 122 . In the POS terminal 60, the keyboard 66 and scanner 67 function as the input unit 13, the display 68 functions as the display unit 14, the processor 61 functions as the registration unit 15 and accounting unit 16, and the communication interface 65 functions as the communication unit 17. function as

The POS terminal 60 is equipped with a control program that controls the processor 61 to operate as first acquisition means 611 , second acquisition means 612 , standby means 613 , payment means 614 and provision means 615 . The control program is one of application programs stored in the main memory 62 or auxiliary storage device 63 . A method for installing the control program in the main memory 62 or the auxiliary storage device 63 is not particularly limited. The control program can be recorded on a removable recording medium or distributed via network communication and installed in the main memory 62 or the auxiliary storage device 63 . The recording medium may be of any form, such as CD-ROM, memory card, etc., as long as it can store the program non-temporarily and is readable by the apparatus.

The first acquisition means 611 is means for acquiring identification information of a payer and payment information used for settlement of transactions with the payer from the information held by the first medium 201 . In this embodiment, the first medium 201 is a point card with electronic money. The identification information of the payer is the member ID. The settlement information is an electronic money ID.

The second acquisition means 612 is a means for acquiring payment information from information held by a second medium 202 different from the first medium 201 . In this embodiment, the second medium 202 is a point card with electronic money different from the point card with electronic money that is the first medium 201 . The settlement information is an electronic money ID.

After the identification information (member ID) and the payment information (electronic money ID) are acquired by the first acquisition means 611, the standby means 613 receives the payment information acquired by the first acquisition means 611 when payment of the transaction is instructed. It is means for waiting for a command to use information (electronic money ID of first medium 201) or acquisition of settlement information (electronic money ID of second medium 202) by second acquiring means 612. FIG.

The settlement means 614 is a means for settling transactions with a settlement person using the settlement information (electronic money ID of the first medium 201) acquired by the first acquisition means 611 when the use of the settlement information is commanded. is. Also, the settlement means 614 is a means for settling a transaction with a settlement person using the settlement information (electronic money ID of the second medium 202) when the second acquisition means acquires the settlement information. be.

The provision means 615 is a means for providing a service based on transaction settlement to a settlement person identified by the identification information (member ID) acquired by the first acquisition means 611 . The service is a point service.

FIGS. 4 and 5 are flow charts showing main procedures of transaction settlement processing executed by the processor 61 of the POS terminal 60. FIG. In the case of a retail store, the transaction settlement process is a process from the registration of the sales data of the products purchased by the settlement person to the completion of accounting for the total amount. In the case of a facility store, the transaction settlement process is a process from registering the sales data of the facility accompanying the use of the payer to completing accounting for the facility usage fee.

The operations of the first obtaining means 611, the second obtaining means 612, the standby means 613, the payment means 614, and the providing means 615 of the POS terminal 60 will be described below in accordance with the transaction settlement processing procedure shown in FIGS. do. It should be noted that the procedure and contents of the operations described below are examples. As long as similar effects can be obtained, the procedure or content of the operation can be changed as appropriate.

As shown in FIG. 4, the processor 61 first displays an initial screen on the display 68 as ACT1 when transaction settlement processing is started. The initial screen is a screen that notifies the operator of the start of transaction settlement processing. For example, the initial screen is a screen for instructing the operator to have the card reader 70 read the data of the point card with electronic money when the payer is a member of the point service. The operator is typically a store clerk. The payer may be the operator. The operator who confirms the initial screen causes the card reader 70 to read the data of the point card with electronic money owned by the payer if the payer is a member of the point service. If the payer is not a point service member, the operator inputs a cancel key on the keyboard 66, for example.

The processor 61 confirms in ACT2 whether or not the transaction is for a point service member. For example, when the cancel key of the keyboard 66 is input, the processor 61 recognizes that the transaction is not for the point service member. The processor 61 determines NO in ACT2 and processes the transaction with the non-member. Since this process is well known in existing POS terminals, a description thereof will be omitted here.

When a point card with electronic money is read by the card reader 70, that is, when the type code of the data structure 21 indicates a point card with electronic money, the processor 61 recognizes that the transaction is made by a point service member. The processor 61 determines YES in ACT2 and proceeds to ACT3.

The processor 61 confirms in ACT3 whether or not the card is a point card linked with electronic money functions. When the cooperation flag of the data structure 21 is "0", the electronic money function of the point card with electronic money is invalid. The processor 61 determines NO in ACT3 and proceeds to ACT4. Processor 61 writes the member ID of data structure 21 into storage area 121 as ACT 4 .

On the other hand, when the cooperation flag of the data structure 21 is "1", the electronic money function of the point card with electronic money is valid. The processor 61 determines YES in ACT3 and proceeds to ACT5. The processor 61 writes the member ID of the data structure 21 into the storage area 121 and writes the electronic money ID into the storage area 122 as ACT5.
Here, the processor 61 operates as the first acquisition means 611 by the processing of ACT4 and ACT5.

After completing the processing of ACT4 or ACT5, the processor 61 acquires member information as ACT6. Specifically, the processor 61 generates a member information inquiry command including the member ID stored in the storage area 121 and controls the communication interface 65 to transmit it to the point server 40 . By this control, an inquiry command is transmitted from the communication interface 65 to the point server 40 via the communication network 30 . Upon receiving the inquiry command, the point server 40 searches the point database 41 and acquires member information including point data from the point record containing the member ID in the inquiry command. The point server 40 returns a response command including the member information to the POS terminal 60 that sent the inquiry command. Thus, processor 61 can acquire member information from point server 40 . Processor 61 stores member information in main memory 62 .

The processor 61 displays a registration screen on the display 68 as ACT7. In the case of a retail store, the registration screen is a screen that accepts input of data related to products purchased by the payer. In the case of a facility store, the registration screen is a screen for accepting the input of data relating to the facility usage status of the payer.

The processor 61 confirms whether or not a registration operation has been performed as ACT8. In the case of a retail store, the registration operation is an operation of inputting data related to the product purchased by the payer via the keyboard 66, scanner 67, or the like. In the case of a facility store, the registration operation means inputting data relating to the facility usage status of the payer via the keyboard 66, the scanner 67, or the like. If the registration operation has not been performed, the processor 61 determines NO in ACT8 and proceeds to ACT9. The processor 61 checks in ACT9 whether or not a subtotal operation has been performed. A subtotal operation is, for example, an operation of inputting a subtotal key on the keyboard 66 . If the subtotal operation has not been performed, the processor 61 determines NO in ACT9 and returns to ACT8. In this way, the processor 61 waits for registration operations or subtotal operations for ACT8 and ACT9.

When the registration operation is performed in the standby state of ACT8 and ACT9, the processor 61 determines YES in ACT8 and proceeds to ACT10. The processor 61 executes registration processing as ACT10. Specifically, the processor 61 registers the sales data of the product purchased by the payer or the sales data of the facility used by the payer based on the data input by the registration operation. The processor 61 also updates the registration screen based on the result of the registration process. After that, the processor 61 returns to the waiting state of ACT8 and ACT9.

If the subtotal operation is performed in the standby state of ACT8 and ACT9, the processor 61 determines YES in ACT9 and proceeds to ACT11. It is assumed that at least one registration operation has been performed. If the subtotal operation is performed without the registration operation, the processor 61 invalidates the subtotal operation.

If a subtotal operation is performed after at least one registration operation has been performed, the processor 61 determines YES in ACT9 and proceeds to ACT11. The processor 61 displays the microplan on the display 68 as ACT11. The sub-plan screen is a screen that displays a sub-total amount. The subtotal amount is the total amount of goods purchased by the payer in the case of a retail store. In the case of a facility store, the subtotal amount is the facility usage fee calculated according to the facility usage status of the payer. After confirming the subplan, the operator performs the tightening operation. The closing operation is, for example, an operation of inputting the closing key of the keyboard 66 .

The processor 61 that has controlled the display of the subplan screen confirms in ACT 12 whether or not the tightening operation has been performed. If the tightening operation has not been performed, the processor 61 determines NO in ACT12 and returns to ACT8. The processor 61 returns to the waiting state of ACT8 and ACT9. At this time, the screen of the display returns from the small plan screen to the previous registration screen. Therefore, the operator can perform the registration operation again even after performing the subtotal operation.

If the tightening operation is performed, the processor 61 determines YES in ACT12 and proceeds to ACT13. The processor 61 displays a payment method selection screen on the display 68 as ACT13. The payment method selection screen is a screen for accepting selection input of a payment method. Payment methods include cash, credit cards, electronic money cards, and the like. If the payer wishes to pay in cash, the operator selects cash from the payment method selection screen. The operator selects a credit card from the payment method selection screen when the settler wishes to pay by credit card. The operator selects electronic money from the payment method selection screen when the payer desires electronic money payment.

The processor 61 displaying the payment method selection screen waits for the payment method to be selected in ACT 21 of FIG. Then, when one of the payment methods is selected by a key operation or a touch operation on the payment method selection screen, the processor 61 determines YES in ACT21 and proceeds to ACT22. The processor 61 confirms whether or not electronic money payment has been selected as ACT22.

If a payment method other than electronic money is selected, the processor 61 determines NO in ACT22 and executes first other processing [other processing 1]. The first other processing is settlement processing according to the selected payment method. For example, if cash payment is selected, the processor 61 executes a cash transaction settlement process in which the total amount or the facility usage fee is subtracted from the deposit amount. For example, when credit card payment is selected, the processor 61 executes settlement processing based on the credit transaction of the credit card read by the card reader 70 . For example, in the case of code settlement using a bar code, two-dimensional code, or the like, the processor 61 executes settlement processing based on the code read by the scanner 67 . These settlement processes are well-known processes in existing POS terminals, so detailed descriptions thereof are omitted here.

On the other hand, if electronic money payment is selected, the processor 61 determines YES in ACT22 and proceeds to ACT23. The processor 61 confirms whether or not the electronic money ID is written in the storage area 122 as ACT23.

If the electronic money ID is not written in the storage area 122, the point card with electronic money read by the card reader 70 while the initial screen is being displayed is set not to cooperate with house-type electronic money, that is, the cooperation flag is "0". is a card of Processor 61 determines NO in ACT 23 and executes second other processing [other processing 2]. The second other processing is, for example, settlement processing using transportation electronic money. Since this payment processing is a well-known processing in existing POS terminals, detailed description thereof will be omitted here.

When an electronic money ID is written in the storage area 122, the point card with electronic money read by the card reader 70 while the initial screen is being displayed is set to cooperate with house-type electronic money, that is, the cooperation flag is set to "1". is a card of The processor 61 determines YES in ACT23 and proceeds to ACT24. Processor 61 displays inquiry screen 80 (see FIG. 6) on display 68 as ACT 24 .

FIG. 6 is a schematic diagram showing an example of an inquiry screen 80. As shown in FIG. The inquiry screen 80 is a screen displaying a message 82 to the operator together with an OK button 81 . The message 82 indicates that the payer should press the OK button 81 if the payment is to be made with the electronic money of the point card with electronic money read while the initial screen is being displayed, and that another point card with electronic money should be entered. This is the contents of notifying the operator to read the point card when paying for the transaction with electronic money.

After confirming the message 82, the operator presses the OK button 81 when the payer pays the transaction with electronic money on the point card read while the initial screen is displayed. When the payer pays for the transaction with electronic money on another point card with electronic money, the operator causes the card reader 70 to read the data on the point card with electronic money.

The processor 61 displaying the inquiry screen 80 confirms whether or not the OK button 81 has been input as ACT25. If the OK button 81 is not pressed, the processor 61 determines NO in ACT25 and proceeds to ACT26. The processor 61 checks in ACT 26 whether or not the card data has been read by the card reader 70 . If the card data has not been read, the processor 61 determines NO in ACT26 and returns to ACT25. If the card data has been read, the processor 61 determines YES in ACT26 and proceeds to ACT27. The processor 61 confirms in ACT 27 whether or not the card data is data of a point card with electronic money. If the card data is not the data of the point card with electronic money, the processor 61 determines NO in ACT27 and returns to ACT25. Thus, the processor 61 displaying the inquiry screen 80 waits for the OK button 81 to be input or the data of the point card with electronic money to be read in ACT25 to ACT27.
Here, the processor 61 operates as the standby means 613 by the processing of ACT25 to ACT27.

When the OK button 81 is input in the standby state of ACT25 to ACT27, the processor 61 determines YES in ACT25 and proceeds to ACT28. The processor 61 acquires the electronic money ID from the storage area 122 of the main memory 62 as ACT28. Processor 61 then proceeds to ACT30.
Here, the processor 61 operates as the second acquisition means 612 by the processing of ACT28.

In the standby state of ACT25 to ACT27, if the data of the point card with electronic money is read, that is, if the type code of the data structure 21 indicates the point card with electronic money, the processor 61 determines YES in ACT27. and proceed to ACT29. The processor 61 acquires the electronic money ID of the data structure 21 as ACT29. Processor 61 then proceeds to ACT30.

Thus, when the OK button 81 is pressed while the inquiry screen 80 is being displayed, the processor 61 acquires the electronic money ID from the storage area 122 of the main memory 62 . If the data of the point card with electronic money is read while the inquiry screen 80 is being displayed, the processor 61 acquires the electronic money ID from the point card.

The processor 61 that has acquired the electronic money ID acquires the electronic money balance as ACT30. Specifically, processor 61 generates a balance inquiry command including the electronic money ID and controls communication interface 65 to transmit the command to electronic money server 50 . By this control, a balance inquiry command is transmitted from the communication interface 65 to the electronic money server 50 via the communication network 30 . Upon receiving the balance inquiry command, the electronic money server 50 searches the electronic money database 51 and acquires the electronic money balance from the electronic money record containing the electronic money ID in the inquiry command. The electronic money server 50 returns a response command including the balance to the POS terminal 60 that sent the inquiry command. Thus, the processor 61 can obtain the electronic money balance from the electronic money server 50 . The processor 61 stores the electronic money balance in the main memory 62 .

The processor 61 that has acquired the electronic money balance executes electronic money settlement processing as ACT 31 . That is, the processor 61 deducts the settlement amount from the electronic money balance. The processor 61 then generates a balance update command including the electronic money ID and the balance of the electronic money after the settlement amount has been deducted, and controls the communication interface 65 to transmit the command to the electronic money server 50 . By this control, a balance update command is transmitted from the communication interface 65 to the electronic money server 50 via the communication network 30 . Upon receiving the balance update command, the electronic money server 50 searches the electronic money database 51 and changes the balance of the electronic money record containing the electronic money ID in the update command to the balance in the update command.
Here, the processor 61 operates as the settlement means 614 by the processing of ACT30 and ACT31.

If the balance of the electronic money is insufficient for the settlement amount, the processor 61 regards the payment of the price with the electronic money as an error. In that case, the settlement person will pay the price by a payment method other than electronic money.

The processor 61 that has completed the electronic money settlement process executes a point addition process as ACT32. Specifically, the processor 61 calculates service points based on the settlement amount. Processor 61 then generates a point update command including the point ID and service points stored in storage area 121 and controls communication interface 65 to transmit the command to point server 40 . With this control, a point update command is transmitted from the communication interface 65 to the point server 40 via the communication network 30 . Upon receiving the point update command, the point server 40 searches the point database 41 and adds the service points in the update command to the points in the point record containing the point ID in the update command.
Here, the processor 61 operates as the providing means 615 by the processing of ACT32.

After completing the point addition process, the processor 61 controls the printer 69 as ACT 33 to print a receipt. The processor 61 also displays a transaction completion screen on the display 68 as ACT34. The transaction completion screen is a screen for notifying the operator that the transaction has been completed. With this, the processor 61 ends the transaction settlement process.

According to the POS terminal 60 in which the processor 61 operates as the first acquiring means 611, the second acquiring means 612, the standby means 613 and the settlement means 614, the following effects can be obtained.

For example, there is a case where two people who make payments each own a point card with electronic money want to add points to one of the point cards with electronic money, but want to pay with the other point card with electronic money. In this case, the operator first causes the card reader 70 to read the data of one of the point cards with electronic money (first medium 201). Thereby, the processor 61 operates as the first acquisition means 611 .

The operator then performs a registration operation, a subtotal operation, and a closing operation. Since a payment method selection screen is displayed on the display 68 according to the closing operation, the operator selects electronic money as the payment method. Then, an inquiry screen 80 is displayed on the display 68 . That is, processor 61 operates as waiting means 613 .

According to the message on the inquiry screen 80, the operator causes the card reader 70 to read the data of the other point card with electronic money (second medium 202). Thereby, the processor 61 operates as the second acquisition means 612 .

The processor 61 deducts the settlement amount from the electronic money balance specified by the electronic money ID of the other electronic money attached point card. That is, processor 61 operates as settlement means 614 .

As described above, according to the POS terminal 60 of the present embodiment, by simply causing the card reader 70 to read the data of the other point card with electronic money in accordance with the message on the inquiry screen 80, Transactions can be settled with electronic money from a point card with electronic money that is not a point card.

Moreover, the processor 61 acts as a providing means 615 . That is, the processor 61 adds the service points given in the current transaction to the accumulated points of the point service member specified by the member ID of one of the point cards with electronic money. Therefore, the POS terminal 60 satisfies the request of a settler who wishes to give points to one point card with electronic money but wants to settle the account with the electronic money of the other point card with electronic money with a simple operation. can be done.

On the other hand, the operator responds to the request of the payer to use one of the point cards with electronic money for both point awarding and payment, following the message on the inquiry screen 80 and pressing the OK button 81 . Then, the processor 61 deducts the settlement amount from the balance of the electronic money specified by the electronic money ID of one of the point cards with electronic money. That is, processor 61 operates as settlement means 614 . The processor 61 also adds the service points given in the current transaction to the accumulated points of the point service member specified by the member ID of one of the point cards with electronic money. That is, the processor 61 operates as the providing means 615 .

In this way, the POS terminal 60 satisfies the request of the settler who wishes to use one of the point cards with electronic money for both the awarding of points and the payment by a simple operation of inputting the OK button 81.例文帳に追加can be done. There is no need to reread one of the point cards with electronic money. Therefore, according to the POS terminal 60, it is possible to deal with payment by a point card with electronic money without feeling complicated, without impairing the versatility of the payment method.

By the way, the POS terminal 60 has a card reader 70 as reading means for reading information from a point card with electronic money. Then, the first acquiring means 611 executed by the processor 61 acquires the member ID and the electronic money ID from the point card with electronic money read by the card reader 70 before the payment of the transaction is instructed. The second acquiring means 612 acquires the electronic money ID from the point card with electronic money read by the card reader 70 after the payment of the transaction is instructed. In this manner, the POS terminal 60 can use the single card reader 70 to perform both the operations of the first obtaining means 611 and the second obtaining means. Therefore, the operator can easily handle the point card with electronic money, and the POS terminal 60 is easy to use.

In addition, standby means 613 displays OK button 81 as an operation button for commanding use of the electronic money acquired by first acquisition means 611 on display 68 which is a display unit. Then, when the OK button 81 is operated, the POS terminal 60 determines that use of the electronic money ID obtained by the first obtaining means 611 has been commanded. On the other hand, when another point card with electronic money is read by the card reader 70, the POS terminal 60 determines to use the electronic money ID acquired from the point card with electronic money. Therefore, the operator can operate the OK button 81 at the timing when the OK button 81 is displayed on the display 68 . Alternatively, the operator may cause the card reader 70 to read another point card with electronic money. In this way, since the operator is not required to perform complicated operations, the POS terminal 60 is easy to use.

Although the embodiment of the settlement apparatus has been described above, the embodiment is not limited to this.
For example, in the above-described embodiment, the POS terminal 60 installed at the checkout counter of a retail store or a facility store is exemplified as one aspect of the payment apparatus 10 . The settlement device is not limited to this kind of POS terminal 60 . For example, a registration device having a function as the registration unit 15 and a checkout device having a function as the checkout unit 16 are provided, and the registration device is operated by the store clerk and the checkout device is operated by the customer himself/herself. The present invention can also be applied to semi-self payment devices. In this case, an inquiry screen 80 is displayed on the touch panel of the accounting device. A customer who pays with electronic money on the point card with electronic money presented to the clerk can touch the OK button 81 on the inquiry screen 80 . Also, a customer who settles with electronic money on another point card with electronic money can read the point card with electronic money with the card reader of the checkout device.

In addition, a semi-self or full self-service payment system in which the registration device is composed of a tablet terminal attached to a shopping card, and the bar code, etc. of the product is read by the scanner of the tablet terminal when the customer purchases the product at the sales floor. I have a device. Similarly, a semi-self or full-self payment system in which the registration device is configured with a smartphone and carried by the customer, and when the customer purchases the product at the sales floor, the barcode, etc. of the product is photographed with the smartphone's camera. There is also device payment. It is possible to apply the present invention to such settlement devices.

In the above embodiment, the service provided by the providing means 615 is the point service. The type of service is not limited to point service. For example, it may be a value discount service according to transaction results. Moreover, the service does not necessarily have to be provided.

In the above embodiment, the medium 20 is a point card with electronic money. The medium 20 need not necessarily be a card. The medium 20 may be an information terminal in which an application program capable of displaying a bar code or two-dimensional data code including a member ID and an electronic money ID is installed.

The text data of the OK button 81 and the message 82 displayed on the inquiry screen 80 are not limited to those illustrated. Also, instead of the OK button 81, a message may be displayed that prompts the user to enter a predetermined key on the keyboard 66. FIG.

The cooperation flag may be deleted from the data structure 21 shown in FIG. That is, the point member who receives the point card with electronic money may be restricted so that the electronic money must be paid with house-type electronic money.

Additionally, while several embodiments of the invention have been described, these embodiments have been presented by way of example and are not intended to limit the scope of the invention. These novel embodiments can be implemented in various other forms, and various omissions, replacements, and modifications can be made without departing from the scope of the invention. These embodiments and modifications thereof are included in the scope of the invention, and are included in the scope of the invention described in the claims and equivalents thereof.

DESCRIPTION OF SYMBOLS 10... Settlement apparatus, 11... Reading unit, 12... Storage unit, 13... Input unit, 14... Display unit, 15... Registration unit, 16... Accounting unit, 17... Communication unit, 20... Medium, 30... Communication network, 40 ... point server, 41 ... point database, 50 ... electronic money server, 51 ... electronic money database, 60 ... POS terminal, 61 ... processor, 62 ... main memory, 63 ... auxiliary storage device, 64 ... clock, 65 ... communication interface, 66...Keyboard, 67...Scanner, 68...Display, 69...Printer, 70...Card reader, 80...Inquiry screen, 81...OK button.

Claims (6)

a first acquisition means for acquiring identification information of a payer and payment information used for settlement of transactions with the payer from information possessed by a first medium;
a second acquiring means for acquiring the payment information from information possessed by a second medium different from the first medium;
When settlement of the transaction is instructed after the identification information and the settlement information are acquired by the first acquisition means, use of the settlement information acquired by the first acquisition means is commanded, or standby means for waiting for the acquisition of the payment information by the second acquisition means;
When the use of the settlement information is commanded, the transaction with the settlement party is settled by the settlement information acquired by the first acquisition means, and the settlement information is acquired by the second acquisition means. In this case, a settlement means for settlement of transactions with the settlement party using the settlement information acquired by the second acquisition means;
payment device. Providing means for providing a service based on the settlement of the transaction to a settlement person identified by the identification information acquired by the first acquisition means;
2. The payment device of claim 1, further comprising: reading means for reading information from a medium;
further comprising
The first acquisition means acquires the identification information of the settler and the settlement information from the information of the first medium read by the reading means before the settlement of the transaction is instructed,
3. The settlement apparatus according to claim 1, wherein said second acquisition means acquires said settlement information from information on said second medium read by said reading means after settlement of said transaction is instructed. The standby means displays an operation button for instructing the use of the payment information acquired by the first acquisition means on the display unit, and when the operation button is operated, the payment information is used. 4. The settlement apparatus according to claim 3, further comprising: determining to use the information for settlement acquired by said second acquisition means when information on said second medium is read by said reading means. the computer of the payment device,
a first acquisition means for acquiring identification information of a payer and payment information used for settlement of transactions with the payer from information possessed by a first medium;
a second acquiring means for acquiring the payment information from information possessed by a second medium different from the first medium;
When settlement of the transaction is instructed after the identification information and the settlement information are acquired by the first acquisition means, use of the settlement information acquired by the first acquisition means is commanded, or standby means for waiting for the acquisition of the payment information by the second acquisition means; and
When the use of the settlement information is commanded, the transaction with the settlement party is settled by the settlement information acquired by the first acquisition means, and the settlement information is acquired by the second acquisition means. In this case, a settlement means for settlement of transactions with the settlement party using the settlement information acquired by the second acquisition means;
A program to function as a first acquiring means for acquiring identification information of a settler and settlement information used for settlement of transactions with the settler from information possessed by a first medium; and a second medium different from the first medium. A payment device comprising a second acquisition means for acquiring the payment information from information held by a medium,
When settlement of the transaction is instructed after the identification information and the settlement information are acquired by the first acquisition means, use of the settlement information acquired by the first acquisition means is commanded, or Waiting for the acquisition of the payment information by the second acquisition means;
when the use of the settlement information is commanded, settlement of the transaction with the settlement party with the settlement information acquired by the first acquisition means;
A settlement method, wherein when the settlement information is acquired by the second acquisition means, the transaction with the settlement person is settled using the settlement information acquired by the second acquisition means.

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