JP3738903B2 - POS affiliated payment terminal and payment system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a credit card payment terminal associated with POS (point-of-sale information management) and a payment system therefor.
[0002]
[Prior art]
POS (Point-of-Sale Information Management) means that when a product is sold at a storefront, the barcode attached to the product is read with a reader, the product name and price are confirmed, and at the same time, inventory management of the product is performed based on the data. It is a system that tries to be useful for sales management. And by using credit cards together, it is possible to collect customer credit information, which is effective for grasping sales trends.
[0003]
An outline of the operation system when using a POS and a credit card together is shown in FIG. In the credit card handling member store cashier counter, a POS processing terminal and a credit card processing terminal are usually provided, and the POS processing terminal and the credit card processing terminal are connected by a cable or the like. First, a commodity is read at a POS processing terminal, and the amount of money is input by reading a barcode or the like. The amount is notified to the credit card processing terminal.
[0004]
At the credit card processing terminal, the customer keeps the credit card and reads the card. The credit card processing terminal determines a handling card company and displays on the terminal a payment method that can be handled by the handling company. Select the payment method and the number of payments. If necessary, the customer inputs a password or the like. The credit card is returned to the customer. The credit card processing terminal communicates with the handling card company and performs settlement processing. Of course, in some cases, payment may not be possible. When the settlement process is performed, the transaction is finalized, and the result is notified to the POS processing terminal. A shopping statement is issued from the POS processing terminal, and a credit card sales slip is issued from the credit card processing terminal.
[0005]
In this operation system, regarding the cooperation between the POS processing terminal and the credit card processing terminal, since the operation on the credit card processing terminal side is essential for the payment method selection etc., the operation becomes complicated. In order to ensure operability, it is necessary to arrange a key and a display of a considerable size, and there is a problem that there is a limit to miniaturization of the terminal.
[0006]
Regarding the amount mismatch between the POS processing terminal and the credit card processing terminal, the POS processing terminal and the credit card processing terminal each independently confirm the transaction, so the POS processing terminal cancels the transaction during the processing of the credit card processing terminal. If this happens, there is a problem that the amount of money is inconsistent.
[0007]
Regarding settlement at a credit card processing terminal, a conventional credit card processing terminal is premised on processing based on transaction amount data received from the POS processing terminal. Therefore, the POS processing terminal and the credit card processing terminal are Since a series of processing proceeds while interlocking, in order for one store clerk to perform processing, a POS processing terminal and a credit card processing terminal need to be in the immediate vicinity, and it is necessary to enter a customer's PIN However, there is a problem that it is essential for the customer to move to the POS processing terminal installation location.
[0008]
There are two types of credit card processing: centralized cashier type and department store cashier type. The centralized cash register type is a type that is used in general retail stores, supermarkets, and the like, and the customer himself / herself carries the goods to the checkout offices existing in several places in the store and performs the checkout. That is, it is a type in which settlement processing such as cash payment and credit card processing between the customer and the store is performed only at a limited place such as a settlement office in the store. On the other hand, the department store cash register type is a type that is operated at department stores and restaurants, etc., and the customer makes cash payment or credit card submission to the store clerk at the product sales floor or window, and receives the clerk. Will go to the checkout in the store or office to perform the checkout process. That is, the customer is the type that has to deposit cash or a credit card with a store clerk.
[0009]
[Problems to be solved by the invention]
  The present invention intends to provide a POS-attached processing terminal and a settlement system therefor that solve the above-mentioned problems occurring between a POS processing terminal and a credit card processing terminal. Specifically, it is possible to perform all operations on the POS processing terminal side, and a miniaturized POSAttached payment terminalPOS-attached payment terminal and its payment system that can avoid the occurrence of inconsistency when the POS processing terminal cancels the transaction during the processing of the credit card processing terminal and can avoid the occurrence of inconsistency in the settlement amount It is something to try. Here, the POS affiliated payment terminal is a processing terminal that is attached to the POS processing terminal and enables credit card processing to be performed on the POS processing terminal side.
[0010]
A POS processing terminal for the above purpose is not known at this time. A credit card processing system that prevents leakage of a personal identification number (Japanese Patent Application Laid-Open No. 2002-208071), a payment terminal that can update points (Japanese Patent Application Laid-Open No. 2002-109237), and a payment terminal that includes a payment means and an alarm reporting means -338353), a payment terminal for encrypting card information to prevent fraud of the card information (Japanese Patent Laid-Open No. 2001-256568), a high-security payment terminal used for an IC card (Japanese Patent Laid-Open No. 2001-256565), standby power consumption To a payment terminal (Japanese Patent Laid-Open No. 2001-256553) that makes zero, a payment terminal (Japanese Patent Laid-Open No. 2001-250065) that makes it possible to identify abnormal processing when processing various cards, a credit payment approval determination function, and a credit company Credit processing device having an approval inquiry function for Japanese Patent Application Laid-Open No. 2000-163476 , But the settlement terminal equipped with various functions have been disclosed, POS annex settlement terminal incorporating the functions of a credit card processing terminal is not known.
[0011]
[Means for Solving the Problems]
  The basis of the present invention is that a POS affiliated payment terminal is attached to a conventional POS processing terminal, and a POS affiliated payment terminal capable of performing both POS processing and credit card processing on the POS processing terminal side is provided. is there. The gist of the present invention is as follows.Means for obtaining product information such as product name, product number and product price, means for inputting product price, means for notifying the product number to the POS processing terminal, information on payment method of credit card company, payment conditions, etc. Means for notifying the processing terminal, means for charging the POS processing terminal to confirm whether or not the inputted product price matches the product price acquired by the POS processing terminal, and a transaction if the two product prices match A POS-attached payment terminal and a payment system therefor provided with means for receiving confirmation of confirmation from a POS processing terminal and means for receiving a notice of transaction suspension from a POS processing terminal.
[0013]
  And the POS affiliated payment terminalA credit card is read, a card company corresponding to the credit card is determined, a handling payment method of the card company, a means for acquiring payment conditions, a means for displaying the acquired handling payment method, a means for displaying payment conditions, a handling payment method, payment Means for determining conditions and means for performing settlement processing with the corresponding card company can be provided. This POS affiliated payment terminal is mainly suitable for a department store cashier type.
[0014]
The POS-attached payment terminal can include means for receiving card information such as a card company, a handling payment method, and payment conditions from the card information management center, and means for storing the received card information. The card information storage means is a database of a card company determination table and a handling payment method table, and can further include an IC processing parameter and an authentication public key. When processing a credit card equipped with an IC chip, an IC processing parameter and an authentication public key are required. The card information management center is an organization that collects, organizes, and stores various information related to credit cards from credit card companies.
[0015]
The present invention is also a POS payment system in which a POS-attached payment terminal having a credit card processing function is connected to a POS processing terminal by a cable or wirelessly. The POS processing terminal reads a bar code, etc., acquires product information such as a product name, product number, price, etc., a card company handling payment method, a means for receiving payment condition information from a POS affiliated payment terminal, a confirmation And a means for notifying the POS affiliated payment terminal of the payment method, a means for notifying the POS processing terminal of confirmation of transaction confirmation in response to a request for confirmation of transaction confirmation from the POS processing terminal.
[0017]
  POS processing terminalMeans for obtaining the product price, payment method of the card company, means for receiving payment condition information from the payment terminal attached to the POS,Means for determining whether or not the product price notified from the POS-attached payment terminal matches the acquired product price, and means for notifying the POS-attached payment terminal of confirmation of transaction confirmation when the two product prices match as well asThis is a POS payment system having means for notifying a transaction stop of a transaction to a POS affiliated payment terminal..
[0018]
A feature of the present invention is to provide a POS settlement system that performs batch processing of both merchandise sales processing and credit card processing. The system is configured by adding a POS-attached payment terminal to a POS processing terminal that has been conventionally used. The POS affiliated payment terminal basically notifies the POS processing terminal of information such as the handling payment method for each credit card company held in the POS affiliated payment terminal at each transaction, and the payment method at the POS processing terminal. In addition to enabling selection and the like, the transaction confirmation at the POS-attached settlement terminal is performed based on an instruction from the POS, thereby avoiding inconsistency.
[0019]
In addition, for department store cashier type, the POS affiliated payment terminal basically checks the amount matching with the POS processing terminal after first entering the amount at the POS affiliated payment terminal and tentatively confirming the transaction. Thus, the operations of the POS-attached payment terminal and the POS-attached payment terminal can be performed separately. In addition, when performing processing at the POS affiliated payment terminal, the product number acquired at the POS affiliated payment terminal is notified to the POS processing terminal, and the sales amount is received from the POS processing terminal, thereby avoiding inconsistency in transaction amounts. it can.
[0020]
DETAILED DESCRIPTION OF THE INVENTION
Below, this invention is demonstrated based on the embodiment. FIG. 2 shows an example of the interlocking process using the POS affiliated payment terminal. A POS processing terminal and a POS affiliated payment terminal are installed at a credit card handling member store cashier counter and connected to each other by a cable. When a customer purchases a product, a barcode attached to the product is read by a reader. The POS processing terminal acquires information such as a product name, a product number, and a price from a barcode or the like. Among these, the product price is notified to the POS affiliated settlement terminal. The POS affiliated payment terminal receives the price of the product. On the other hand, the card deposited from the customer is put on a card reader to obtain card information. The POS affiliated payment terminal determines the corresponding card company based on the card company table in the storage device, and acquires payment methods and payment conditions that can be handled by the card company from the handling payment method table in the storage device. The handling payment method and payment conditions are notified to the POS processing terminal. The customer selects and determines a payment method and a payment condition that can be handled on the POS processing terminal. The customer's selection, the determined payment method, and payment conditions are notified from the POS processing terminal to the POS affiliated payment terminal. The payment method and payment conditions are, for example, one-time payment and two-time payment.
[0021]
When the payment terminal and payment conditions are received from the POS processing terminal, the POS affiliated payment terminal communicates with the card company and processes whether or not payment processing is possible. If settlement is not possible, this is notified to the POS processing terminal. If settlement is possible, the POS processing terminal is requested to confirm whether the transaction can be confirmed. The POS processing terminal notifies the POS-attached settlement terminal of a notification that the transaction can be confirmed according to the request. At this time, if the transaction cannot be confirmed, the transaction is canceled. The POS processing terminal issues a shopping statement receipt and a credit sales slip when the transaction is confirmed.
[0022]
In the conventional processing, since the operation on the credit card processing terminal side is indispensable for selection of the payment method, the operation is complicated. The credit card processing terminal has a considerable size for ensuring operability. It is necessary to arrange keys and a display, and there is a limit to downsizing the credit card processing terminal. Further, since the credit card processing terminal confirms the transaction independently of the POS processing terminal, inconsistency occurs when the POS processing terminal side stops the transaction in the middle of the processing of the credit card processing terminal. There was a problem such as. On the other hand, in the present invention, a POS-attached payment terminal for credit card processing is provided, and information such as the handling payment method for each credit card company held in the POS-attached payment terminal is POS processed each time a transaction is made. Inconsistency occurs by taking measures to enable payment method selection at the POS processing terminal in cooperation with the terminal, and confirming the transaction at the POS affiliated payment terminal based on an instruction from the POS processing terminal It is possible to avoid this.
[0023]
As a result, all operations can be performed on the POS processing terminal side, operability is improved, and only a card reader and a key and a display necessary for inputting a personal identification number need be arranged on the POS attached payment terminal. The POS-attached payment terminal can be greatly reduced in size. Also, in the event that the POS processing terminal side cancels the transaction during the processing of the POS affiliated payment terminal, it is possible to avoid the occurrence of inconsistency by sending a transaction suspension notification from the POS processing terminal to the POS affiliated payment terminal. It becomes.
[0024]
The processing operation example of the centralized cash register type POS-attached payment terminal has been described above. A processing operation example of the POS affiliated payment terminal for the department store cash register type will be described below. An example is shown in FIG. In other words, the POS processing terminal and the POS affiliated payment terminal are installed at the credit card handling member store cashier counter, but they are installed at a distance from each other and are often connected wirelessly. When a customer purchases a product, a barcode attached to the product is read by a reader. The read information is taken into the POS attached payment terminal. At this time, the POS affiliated payment terminal includes at least means for obtaining a product number. A bar code is generally used as a means for obtaining the product number, but is not limited thereto. The product number is notified from the POS affiliated payment terminal to the POS processing terminal. The POS processing terminal refers to the product master and acquires product price information. This product price is notified from the POS processing terminal to the POS affiliated payment terminal. On the other hand, the card deposited from the customer is put on a card reader to obtain card information. The card information is taken into the POS attached payment terminal. The POS affiliated payment terminal determines the corresponding card company based on the card company table in the storage device, and acquires payment methods and payment conditions that can be handled by the card company from the handling payment method table in the storage device. The handling payment method and payment conditions are displayed on the POS-attached payment terminal. The customer selects and determines a payment method and a payment condition that can be handled on the POS-attached payment terminal. The customer's selection, payment method to be determined, and payment conditions are, for example, one-time payment and two-time installment payment. The POS-attached payment terminal communicates with the card company based on the customer's selection, the determined payment method, and payment conditions to determine whether payment processing is possible. If settlement is not possible, this is notified to the POS processing terminal. If settlement is possible, the POS processing terminal is requested to confirm whether the transaction can be confirmed. The POS processing terminal notifies the POS-attached settlement terminal of a notification that the transaction can be confirmed according to the request. The POS processing terminal issues a shopping statement receipt and a credit sales slip when the transaction is confirmed. At this time, if the transaction cannot be confirmed, the transaction is canceled.
[0025]
In this case, further, by entering the product price, and by inputting the amount calculated with a calculator, etc., if necessary, avoiding an inconsistency in the amount with the POS processing terminal and simplifying the processing on the POS processing terminal side. Can also be achieved. Of course, in this case, it is necessary to add a product registration function to the POS-attached payment terminal.
[0026]
In the conventional processing, it is assumed that the credit card processing terminal performs processing based on the transaction amount data received from the POS processing terminal, and accordingly, a series of processing proceeds while interlocking with the POS processing terminal. Therefore, in order for one store clerk to perform processing, a POS processing terminal needs to be nearby. For this reason, when it is necessary to input the customer's personal identification number, it is essential for the customer to move to the place where the credit card processing terminal is installed.
[0027]
In addition, if it is necessary to have a customer enter a personal identification number in the department store type, linking the POS processing terminal and the credit processing terminal makes the operation for the store clerk complicated and increases the processing time per customer. Therefore, the current situation is that it is not used practically. Specifically, 1) The store clerk takes the card from the customer, goes to the checkout office, and performs credit processing at the credit card processing terminal. 2) The store clerk returns to the customer with the PIN number input device and asks the customer for the password. 3) Encrypted password data is notified from the password input device to the credit card processing terminal wirelessly. 4) The store clerk takes the password input device to the credit card processing terminal. Return, 5) The clerk takes the receipt and the purchased product output from the credit card processing terminal, returns to the customer, and hands them over to the customer. During this time, the POS processing terminal linked with the credit card processing terminal can only perform settlement processing for one customer during the above processing, resulting in a problem of waiting for another customer.
[0028]
Therefore, when it is necessary to input a personal identification number, the customer must move to the cash register. For this reason, in a store having a department store type cash register, a credit card company has taken into consideration that the act of having a customer input a personal identification number does not occur in credit card processing.
[0029]
Another example of the department store type is shown in FIG. In this method, the amount of money is first entered at the POS-attached settlement terminal to tentatively confirm the transaction, and then the amount matching check with the POS processing terminal is performed. That is, a POS processing terminal and a POS affiliated payment terminal are installed at a credit card handling member store cashier counter and are connected to each other wirelessly. When a customer purchases a product, the product price is input to the POS affiliated payment terminal. At this time, if necessary, the amount calculated by the calculator can be input to the POS-attached payment terminal. The product price can also be read from the barcode. The card deposited from the customer is loaded into a card reader to obtain card information. The card information is taken into the POS attached payment terminal. The POS affiliated payment terminal determines the corresponding card company based on the card company table in the storage device, and acquires payment methods and payment conditions that can be handled by the card company from the handling payment method table in the storage device. The handling payment method and payment conditions are displayed on the POS-attached payment terminal. The customer selects and determines a payment method and a payment condition that can be handled on the POS-attached payment terminal. The customer's selection, payment method to be determined, and payment conditions are, for example, one-time payment and two-time installment payment. The POS-attached payment terminal communicates with the card company based on the customer's selection, the determined payment method, and payment conditions to determine whether payment processing is possible. If settlement is not possible, this is notified to the POS processing terminal. If settlement is possible, the POS processing terminal is requested to confirm whether the transaction can be confirmed. At this time, the POS affiliated payment terminal simultaneously notifies the POS processing terminal of the product price. On the other hand, the POS processing terminal reads the barcode and acquires product information. The product price acquired in this way is compared with the product price notified from the POS-attached settlement terminal, and if the two values match, the POS processing terminal notifies the POS-attached settlement terminal of a transaction finalization notification. The POS processing terminal issues a shopping statement receipt and a credit sales slip when the transaction is confirmed. At this time, if the transaction cannot be confirmed, the transaction is canceled.
[0030]
In the department store type, the present invention is such that after the amount is first input at the POS-attached settlement terminal and the transaction is temporarily confirmed, the amount-matching check with the POS processing terminal is performed, whereby the POS-attached settlement terminal and the POS processing terminal. In addition, when the processing at the POS-attached payment terminal is performed first, the product number acquired at the POS-attached payment terminal is notified to the POS processing terminal, and the sales amount is obtained from the POS processing terminal. By receiving it, it became possible to avoid inconsistencies in transaction amounts. This eliminates the need for the customer to move to the cash register and performs the payment process based on the sales amount received from the POS processing terminal, thereby avoiding the occurrence of inconsistency in the payment amount.
[0031]
On the other hand, with IC cards, it is obliged for customers to enter a PIN, and in stores with department store type cashiers, traditional customers remain at the product sales floor, and only the store clerk is at the checkout office. There is a demand for the development of a new system that can follow the operational form of going. This terminal is exactly for realizing this demand. That is, in order to realize the operation of “customer password input” that is difficult to achieve with the current method, a method of tentatively confirming a transaction with a POS-attached payment terminal has been devised. The point here is that it is possible to check before the transaction is finalized whether or not there is an inconsistency in the amount of money between the POS processing terminal and the POS affiliated payment terminal by adopting a provisional confirmation method. Is a point.
[0032]
Next, a payment system composed of a POS processing terminal and a POS-attached payment terminal will be described. FIG. 5 shows a payment system using a POS processing terminal and a POS-attached payment terminal. A POS processing terminal and a POS affiliated payment terminal are installed in a credit card handling member store. The POS processing terminal and the POS affiliated payment terminal are connected by a cable or wirelessly. The POS processing terminal is connected to the system of the member store headquarters, and the POS affiliated payment terminal is connected to the card information center via OBN via the router. The POS processing terminal mainly handles merchandise, and the POS affiliated payment terminal mainly handles credit card processing. The POS affiliated payment terminal includes a card company determination table for determining a card company, and a storage unit for a handling payment method table for acquiring payment methods that can be handled by the card company. Furthermore, the key used in the authentication process by the public key cryptosystem for confirming the IC processing parameters and the authenticity of the IC credit card for processing the credit card mounted with the IC chip, that is, the CA public key is used. I have.
[0033]
Data such as a card company determination table, a handling payment method table, an IC processing parameter, and a CA public key, which are provided to the POS affiliated payment terminal, are downloaded from the card information center as necessary. When these data are changed or newly added, the data is automatically transmitted from the card information center to the POS affiliated payment terminal. Data such as a card company determination table, a handling payment method table, an IC processing parameter, and a CA public key are notified from each card company to the card information center by MT, FD, or the like. The card information center organizes and stores data notified from the card company. The organized data is notified to the POS-attached settlement terminal as necessary. In addition, the meaning of the abbreviation in FIG. 5 is as follows. IC (integrated circuit) means a credit card equipped with an IC chip. OBN (Open Business Network) means a communication network using Internet technology. MT (magnetic tape) means a magnetic tape. FD means a flexible disk. The CA public key (authentication public key) means a key used in authentication processing by a public key cryptosystem performed to confirm the authenticity of the IC card. In this way, the POS-attached payment terminal holds all data necessary for credit card processing.
[0034]
【The invention's effect】
In the present invention, by linking the POS affiliated payment terminal possession table to the POS processing terminal, all operations can be performed by the POS processing terminal, and the operability can be improved. Since only the necessary keys and display need be arranged, the POS-attached payment terminal can be greatly reduced in size. And since it is possible to avoid an inconsistency in the amount of money between the POS processing terminal and the POS affiliated payment terminal, if the POS processing terminal aborts the transaction in the middle of the processing of the POS affiliated payment terminal, a transaction suspension notification is sent to the POS processing terminal. To the terminal, the occurrence of inconsistency can be avoided.
[0035]
In addition, since the department store cashier type employs a system in which transactions are provisionally settled at a POS affiliated payment terminal, the need to move the customer to the cashier is eliminated. Since the amount information is acquired by notifying the product number from the POS affiliated payment terminal to the POS processing terminal, the payment processing is performed based on the sales amount received from the POS processing terminal, thereby avoiding the occurrence of inconsistency in the payment amount. it can.
[Brief description of the drawings]
FIG. 1 is a diagram showing a general POS operation system
FIG. 2 is a diagram showing an example of an interlocking process using a POS-attached payment terminal.
FIG. 3 is a diagram showing another example of linked processing using a POS-attached payment terminal.
FIG. 4 is a diagram showing another example of interlocking processing using a POS-attached payment terminal.
FIG. 5 is a diagram showing an overall system of a POS-attached settlement terminal

Claims (6)

Means for acquiring product information such as product name, product number and product price, means for inputting product price, means for notifying the product number to the POS processing terminal, payment method of credit card company, information on payment conditions, etc. Means for notifying the processing terminal, means for requesting the POS processing terminal to confirm whether or not the inputted product price matches the product price acquired by the POS processing terminal, and a transaction if the two product prices match A POS affiliated settlement terminal comprising means for receiving confirmation of confirmation from the POS processing terminal and means for receiving notification of transaction suspension from the POS processing terminal. Read the credit card, determine the card company corresponding to the credit card, determine the payment method of the card company, the means for acquiring the payment conditions, the acquired payment method, the means for displaying the payment conditions, the payment method, and the payment conditions The POS-attached payment terminal according to claim 1, further comprising: means for performing payment processing with the corresponding card company. 3. The apparatus according to claim 1, further comprising means for receiving card information such as a payment method of a corresponding card company and payment conditions from the card information management center, and means for storing the received card information. POS affiliated payment terminal. 4. The POS affiliated payment terminal according to claim 3, wherein the card information storage means is a database of a card company determination table and a handling payment method table. A POS payment system in which the POS-attached payment terminal according to any one of claims 1 to 4 is connected to a POS processing terminal by a cable or wirelessly. The POS processing terminal obtains the product price, the payment method of the card company, the means for receiving payment condition information from the POS affiliated settlement terminal, and the product price notified from the POS affiliated settlement terminal matches the obtained product price. 6. A means for determining whether or not to perform the transaction, a means for notifying a confirmation of transaction confirmation to the POS-attached settlement terminal when both the product prices match, and a means for notifying the POS-attached settlement terminal of the transaction stoppage. The POS payment system described.

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