JP4864564B2 - Price settlement system - Google Patents

Description

  The present invention relates to a payment settlement system that uses an IC card in which electronic money information and service point information are stored to make a payment for product purchases in conjunction with a POS register.

  An IC (Integrated Circuit) card is obtained by embedding an IC chip having a calculation and storage function in a business card size plastic card. Since an IC card can record a larger amount of data than a magnetic card, a plurality of application information can be stored in one IC card and information can be transmitted to and received from an external terminal. (For example, refer to Patent Document 1). Further, since the IC card is more difficult to counterfeit than the magnetic card, the IC card is used as a settlement means by storing information of electronic money representing a monetary value.

POS IC card with electronic money function (hereinafter referred to as “electronic money card”)
When used in conjunction with a (Point Of Sales System) register, payment at the time of product purchase can be made with electronic money recorded on an IC card. In payment systems using credit cards, payment data is centrally managed. In payment systems using electronic money cards, payment data is not centrally managed, and immediate payment is made on the spot. Make payments quickly.

  Furthermore, a store that has issued a point card that gives service points according to the purchase price of a product provides a more convenient service by adding a point card function to an electronic money card.

  In a payment settlement system in which an electronic money card and a POS register are linked, a contactless IC card that exchanges information by holding the IC card over a reading terminal is convenient because payment can be made quickly and easily. is there. A non-contact type IC card has an IC chip and an antenna embedded in the card. The non-contact type IC card uses a radio wave transmitted from an external reading terminal for communication, and the power required for driving the IC chip is also derived from the radio wave. It has gained.

Japanese Patent Laid-Open No. 11-272809

  However, when the payment is made using an IC card having the functions of an electronic money card and a point card, the following inconvenience occurs because the IC card itself has no display function.

  In the case of making payment using electronic money, the customer does not know the balance of electronic money until the payment is made. For example, in the supermarket example, if a customer who purchases a product is placed in a queue waiting for payment by the POS register, and the input of the product code is completed by the barcode reader, and the electronic money balance is insufficient at the time of paying the price, From that point on, the shortage of balance must be dealt with. As a result, it takes a long time for payment. In addition, since the waiting time becomes longer for other customers waiting for settlement, the queue continues for a long time when there are many customers.

  Further, with respect to the point card, since the customer does not know the point balance until the time of settlement, the point use timing is lost and the customer service is not effectively used.

  An object of the present invention is a price settlement system in which an IC card having a function of an electronic money card and a point card and a POS register are linked to each other. The purpose is to provide a payment system so that customer service can be used effectively.

The present invention is a payment settlement system that settles the total amount of product prices using an IC card in which an electronic money balance and a service point balance are recorded,
Communicating with the IC card, the first card communication unit for reading the electronic money balance and service point balance from the IC card,
And Table radical 113 that displays the electronic money balance and the service point balance read by the first card communication unit,
A product reading unit that reads a product code attached to one or more purchased products;
A POS register that calculates and settles the total price of the product price based on the product code read by the product reading unit ;
Communicating with the IC card, reading the electronic money balance and service point balance from the IC card, and determining at least one of the electronic money balance and service point balance as at least a total amount of product prices calculated by the POS register Including a second card communication unit that rewrites a part of the balance to a settled balance ,
The display unit
Before reading of commodity codes by the commodity reading portion is performed, Ri displayable der the electronic money balance and service point balance,
When the product code is read by the product reading unit, the electronic money balance and the service point balance read by the first card communication unit and the total price of the product price calculated by the POS register are displayed. , Displaying the difference between the total amount and the balance of at least one of the electronic money balance and service point balance,
When the electronic money balance and the service point balance are read by the second card communication unit after the difference is displayed on the display unit, the POS register reads at least one of the electronic money balance and the service point balance. is a payment settlement system which is characterized that you settle at least a portion of the total amount.

In the present invention, member identification information indicating that the owner of the IC card is a member is recorded on the IC card so as to be readable by the first card communication unit.
A product information display unit for displaying product information including a product price when a product code is read by the product reading unit;
The product information display unit displays member product information for a predetermined product when the member identification information is read by the first card communication unit,
When the member identification information is read by the first card communication unit, the POS register calculates the total price of the product price using the product price included in the product information for members.

According to the present invention, the POS register includes an input unit for inputting a deposit amount of electronic money to the IC card.
When the deposit amount is input by the input unit, the second card communication unit rewrites the electronic money balance of the IC card with a new electronic money balance to which the deposit amount is added.

The present invention, in that the first card communication unit and the second card communication unit, the communication operation and the communication operation by the second card communication unit according to the first card communication unit can be performed in parallel Features.

The present invention, wherein the first card communication unit and before Symbol Table radical 113, characterized in that it is incorporated in a common housing.

According to the present invention, the electronic money balance and service point balance read by the first card communication unit, from the display of the table radical 113, to allow the settlement of the total amount of the commodity price by the POS register, the price The checkout system is configured. Therefore, a customer who purchases a product using an IC card confirms whether the electronic money balance is sufficient and whether there are service points available before making a payment for the total amount of the purchased product. As a result, even when there is a shortage in the balance of electronic money, it is possible to quickly deal with it, and it is possible to obtain time for making a decision on the use of points and to use points easily. As a result, the payment is made smoothly, and the sales promotion mechanism called service points is effectively utilized.

Also, payment settlement system, a terminal for communicating with the IC card, the since the first card communication unit separately having a second card communication unit for payment, as described above, the customer, the first card After the IC card is read by the communication unit, the electronic money balance and the service point balance are confirmed in advance, and the contents of the IC card are rewritten by the second card communication unit, so that the total price of the product price can be quickly settled. In the payment settlement system having only the second card communication unit for payment, the customer is informed of the electronic money balance and the service point balance for the first time when making a payment. In some cases, the processing takes time, but the price settlement system of the present invention in which the contents of the IC card are informed to the customer in advance does not have such an inconvenience. Accordingly, the payment can be made smoothly and the service points can be used effectively.
In addition, before the payment by the second card communication unit, the POS register calculates the difference between the electronic money balance and the service point balance read by the first card communication unit and the total price of the product price, The difference can be displayed. As a result, when an electronic money balance shortage occurs, the operator of the POS register may notify the customer about the shortage of the balance before reading the IC card information by the second card communication unit for payment. As a result, the processing time for payment settlement is shortened. In addition, since the customer himself / herself can recognize the shortage of the electronic money balance before the payment by the second card communication unit, it is possible to respond quickly.

According to the present invention, when the first card communication unit reads that the member identification information is recorded on the IC card owned by the customer, the product code attached to the product is read by the product reading unit. When the product is displayed, the product information display unit displays product information for the member. Since the customer usually watches the product price displayed on the product information display unit carefully, the product information for members displayed by the product information display unit is highly appealing and promotes the membership system. Will be effectively utilized.

Further, the operator of the POS register can ask the customer to use the service point before the payment by the second card communication unit, and the customer himself can make a decision on the use of the service point. Is obtained. As a result, it becomes easier for customers to use service points, which are sales promotion mechanisms, and for the POS register operator to read the IC card information by the second card communication unit and then use the points again. Since there is no need to confirm with the customer, the processing time for payment is reduced.

Further, according to the present invention, since electronic money can be deposited into the IC card at the time of payment for the goods by the second card communication unit, even if a shortage of electronic money balance occurs, the payment processing can be performed in a short time. It can be performed.

According to the invention, payment settlement system, a communication operation and communication operation by the second card communication unit according to the first card communication unit, since can be performed in parallel, the customer who finished reading product codes first When the purchased card is settled by the two- card communication unit, the first card communication unit can read information recorded on the IC card of the next customer waiting for payment. Thus, the next customer can know the information of the IC card owned by the next customer without waiting for the previous customer to complete the settlement.

According to the present invention, since the first card communication unit and table radical 113 are incorporated in a common housing, it is made compact as a whole, if the commodity reading section and POS register can not afford to be installation space also, it can be installed and the Table radical 113 first card communication unit in a compact space.

  FIG. 1 is a diagram schematically showing a payment settlement system 1 according to an embodiment of the present invention. The payment settlement system 1 controls the first and second card reading terminals 10a and 10b (to be collectively referred to as the card reading terminal 10) and the card reading terminal 10 for communicating with the IC card owned by the customer. A main body control device 20, a product reading device 30 that reads a product code attached to a product, and a POS register 40 are included. Among these, the first and second card reading terminals 10a and 10b and the main body control device 20 are connected via the first cable 51 and the second cable 52, respectively, and the main body control device 20, the POS register 40, and the product reading device. The devices 30 are connected via a third cable 53 and a fourth cable 54, respectively.

  The product reading device 30 is provided in a central portion 65a in the longitudinal direction of the top plate of the checkout table 65 on which the product to be checked is placed. The POS register 40 is provided on a register mounting table 66 adjacent to one end portion 65 b in the longitudinal direction of the top plate of the checkout table 65. Further, the first card reading terminal 10 a is installed on the top plate of the checkout table 65 in the vicinity of the product reading device 30, and the second card reading terminal 10 b is set on the checkout table 65 of the top plate of the cash register mounting table 66. It is installed near.

  Hereinafter, the basic flow of payment settlement using the payment settlement system 1 will be described. Here, in this embodiment, a case where the IC card owned by the customer is a non-contact type IC card will be described. Information can be exchanged between the card reading terminal 10 and the IC card by holding the IC card close to the card reading terminal 10. Also, the store where the payment settlement system 1 is provided has a membership card in which the electronic money balance, member identification information indicating that it is a member of the store, and the service point balance are recorded as data on a contactless IC card. Suppose that it is issued. The service point is given to the customer according to the purchase price of the product, can be converted into cash, and can be used for purchase of the product at a store where the service point can be used. In the present embodiment, it is assumed that service points are given only to members.

  In FIG. 1, a customer 61 who wants to purchase a product first places a shopping basket (not shown) containing the product to be purchased on the other end portion 65 c side of the top plate of the checkout table 65 in the longitudinal direction. Thereafter, when the customer 61 holds the member card owned by the customer 61 over the first card reading terminal 10a, the first card reading terminal 10a reads the electronic money balance, the member identification information and the service point balance recorded on the member card. Read. Information on the membership card read by the first card reading terminal 10 a is transmitted to the POS register 40 by the main body control device 20.

  The card information display unit 12a provided in the first card reading terminal 10a displays the read electronic money balance and the service point balance. Therefore, the customer can check whether the electronic money balance is sufficient and whether there are service points available. The POS register 40 is provided with a display device 45a for a clerk and a display device 45b for a customer, and the read electronic money balance and the service point balance are displayed on the display device 45a for the clerk. The store clerk 63 can guide the customer 61 about the deposit of electronic money and the use of service points by looking at the electronic money balance and the service point balance displayed on the display device 45a of the POS register 40.

  Next, the store clerk 63 reads the product code attached to the product purchased by the customer 61 using the product reading unit 31 provided in the product reading device 30. Based on the read product code, the type and price of the product are displayed on the product information display unit 32 provided in the product reading device 30. At this time, since the customer 61 is confirmed to be a member from the reading result by the first card reading terminal 10a, the product information display unit 32 is a member who has appealing power such as a member price applied only to the member. Display product information for.

  When reading of the product codes of all the purchased products purchased by the customer is completed, the display devices 45a and 45b of the POS register 40 display the electronic money balance and the service point balance together with the total amount of the products. The difference between the total amount and the total amount of electronic money balance and service point balance is displayed.

  The store clerk 63 can check the information displayed on the display device 45a for the store clerk in the POS register 40 to check whether there is a shortage of electronic money balance and the presence of available service points. You can immediately ask about depositing electronic money and using service points. Further, the customer 61 can quickly make a decision on the selection of a settlement method and the use of service points by looking at the information displayed on the customer display device 45b of the POS register 40.

  In the case of settlement with electronic money, the customer 61 holds the member card over the second card reading terminal 10b, so that the purchase price of the product is deducted from the electronic money balance of the member card of the customer 61. At this time, when the electronic money balance is insufficient, the payment can be made after depositing the electronic money into the membership card. After the payment is made, the service point corresponding to the purchase price is added to the membership card of the customer 61, and the payment is completed.

  Thus, by reading the information recorded in advance on the IC card owned by the customer before reading the product code of the purchased product by the first card reading terminal 10a, a series of checkout processes becomes smooth. In addition to shortening the processing time, the point service for sales promotion is effectively utilized, and the customer can be satisfied with the display of the product price for the member, thereby promoting the sales.

  FIG. 2 is a block diagram showing a configuration of the payment settlement system 1 shown in FIG. As described above, the payment settlement system 1 includes the first and second card reading terminals 10a and 10b, the main body control device 20, the product reading device 30, and the POS register 40. Hereinafter, each component of the payment settlement system 1 will be described.

First, the first and second card reading terminals 10a and 10b will be described.
The first card reading terminal 10a and the second card reading terminal 10b have the same configuration, and each include a card communication unit 11 and a card information display unit 12.

  The card communication unit 11 includes an antenna unit 13 for data transmission / reception and a signal processing unit 14 which is a circuit for performing signal processing such as data modulation, demodulation, encoding and decoding, and the signal processing unit 14 controls the main body. It is connected to a control unit 21 described later of the device 20. Specifically, the input signal received from the IC card via the antenna unit 13 is demodulated and decoded by the signal processing unit 14 and then sent to the control unit 21 of the main body control device 20. On the other hand, the output signal given from the main body control device 20 is encoded and modulated by the signal processing unit 14 and then transmitted to the IC card via the antenna unit 13.

  For the card communication unit 11, the card information display unit 12, the antenna unit 13, and the signal processing unit 14, the reference numeral of the first card reading terminal 10a is appended with a subscript “a”, and the second card reading terminal 10b In some cases, a reference character “b” is added to the reference symbol of what is provided to distinguish the reference characters. Further, the card communication unit 11a of the first card reading terminal 10a may be described as the first card communication unit 11a, and the card communication unit 11b of the second card reading terminal 10b may be described as the second card communication unit 11b. .

  In the present embodiment, the card communication unit 11 has both functions of reading data from the IC card and writing data to the IC card. Among these, the 1st card communication part 11a is used as a card reading part which reads the information recorded exclusively on the IC card. On the other hand, the second card communication unit 11b is used as a card rewriting unit for reading information recorded on the IC card and rewriting information recorded on the IC card at the time of payment.

  The card information display unit 12 of the card reading terminal 10 includes a display device such as a liquid crystal display and is connected to the control unit 21 of the main body control device 20. The card information display unit 12 is based on the control of the control unit 21, and as shown in FIG. 4 to be described later, a balance information display screen 70 including a display area for the electronic money balance and service point balance read by the card communication unit 11. Is displayed.

Next, the main body control device 20 will be described.
The main body control device 20 includes a control unit 21 and a communication unit 22 that is a communication interface for connecting to the POS register 40. Furthermore, the main body control device 20 includes a power supply unit (not shown), and power is supplied to the card reading terminal 10 by the power supply unit.

  The control unit 21 of the main body control device 20 is connected to the signal processing unit 14 and has a function of controlling transmission / reception of data to / from an IC card held over the card reading terminal 10. Here, the control unit 21 is configured such that data transmission / reception via the first card communication unit 11a and data transmission / reception via the second card communication unit 11b are individually controlled. Accordingly, when the second card communication unit 11b is paying for the purchased product, the first card communication unit 11a can read the IC card owned by another customer in parallel. The customer can know the information of the IC card owned by the customer without waiting for the customer who is making a payment to complete the payment.

  Further, the control unit 21 is connected to the POS register 40 via the communication unit 22, transmits information read by the card communication unit 11 to the POS register 40, and instructs the POS register to pay for the price and increase / decrease service points. 40 has a function of receiving from 40. When receiving the price settlement and service point increase / decrease instructions, the control unit 21 rewrites the information stored in the IC card held over the second card reading terminal 10b based on the instructions.

  Further, the control unit 21 is connected to the card information display unit 12 and has a function of causing the card information display unit 12 to display information on the electronic money balance and the service point balance read by the card communication unit 11. Although not shown, the card reading terminal 10 is provided with a speaker and a light emitting diode, and the control unit 21 reads the information from the IC card and writes for payment, when the speaker and the light emitting diode are used. The card user is notified by sound and light.

As a configuration for realizing the functions of the control unit 21 described above, the control unit 21 includes, for example, two control units for individually controlling the first and second card communication units 11a and 11b, and a POS register. 40 is configured to include a controller for controlling the communication via the communication unit 22 and the card information display unit 12 and the like. The two control units and the controller are a microprocessor, a ROM (Read Only Memory) and a RAM, respectively.
The above functions are realized by executing an internal memory such as (Random Access Memory) and executing a control program stored in the ROM.

Next, the product reading device 30 will be described.
The product reading device 30 includes a product reading unit 31 and a product information display unit 32. The product reading unit 31 and the product information display unit 32 are connected to a later-described control unit 41 of the POS register 40. The product code attached to the product is read by the product reading unit 31, and the read product code data is transmitted to the control unit 41 of the POS register 40. The merchandise information display unit 32 includes a display device such as a liquid crystal display, and based on an instruction from the control unit 41 of the POS register 40, as shown in FIG. A product information display screen 80 including a product information display area is displayed.

  In the present embodiment, a barcode is used as a product code attached to a product, and the product reading unit 31 includes a scanner as a barcode reader that reads the barcode. As the product code, an RFID (Radio Frequency Identification) tag may be used instead of the barcode, and in this case, the product reading unit 31 is configured by a reader to which an antenna is connected.

Next, the POS register 40 will be described.
The POS register 40 is an electronic cash register having a function of totaling sales results for each product, and includes a control unit 41, a product information storage unit 42, a purchased product storage unit 43, and a total amount storage unit 44. , A display unit 45, an input unit 46, and a communication unit 47. The POS register 40 is constructed on the basis of a computer having a microprocessor, ROM and RAM (not shown), and an external storage device such as a hard disk device, and the control program stored in the ROM and the external storage device is executed. The computer is caused to function as the control unit 41, the product information storage unit 42, the purchased product storage unit 43, the total amount storage unit 44, the display unit 45, the input unit 46, and the communication unit 47.

  The control unit 41 controls the product reading device 30 and the product information storage unit 42, the purchased product storage unit 43, the total amount storage unit 44, the display unit 45, the input unit 46, and the communication unit 47 of the POS register 40. Further, the control unit 41 calculates the total amount by adding the product prices, and calculates the difference between the total amount and these balances when receiving the electronic money balance and the service point balance from the main body control device 20. Or calculate service points based on the purchase price of the product.

  The product information storage unit 42 stores product information such as a product name and a product price in association with the barcode attached to the product. Further, the product information storage unit 42 stores, for a predetermined product, member information for members discounted from the normal product price and product information for members such as service points. The product information stored in the product information storage unit 42 is read by the control unit 41 corresponding to the barcode read by the product reading unit 31. Note that the POS register 40 is not configured by the POS register 40 alone as in the present embodiment, but may be configured as one of POS registers that are a plurality of terminals connected to a server via a network. . In this case, a product information storage unit is provided as a common file on the server, and the control unit 41 of the POS register 40 reads product information from the product information storage unit provided in the server via the network.

  The purchased product storage unit 43 stores a product name and a product price corresponding to the barcode read by the product reading unit 31 based on an instruction from the control unit 41.

  The total amount storage unit 44 stores the total amount of product prices of products purchased by the customer. Specifically, when the product reading unit 31 reads a barcode, the control unit 41 reads the product price corresponding to the barcode from the product information storage unit 42 and integrates it, and the total amount storage unit 44. Remember me. When the member identification information is read from the IC card owned by the customer by the first card communication unit 11a, the member price is integrated for a product whose member price is discounted from the normal product price. And stored by the total amount storage unit 44.

  The display unit 45 includes display devices 45a and 45b such as a liquid crystal display. The display devices 45a and 45b are provided with a display device 45a for a store clerk who is an operator of the POS register 40 and a display device 45b for a customer. As shown in FIG. 7 to be described later, the display unit 45 displays a total price display screen 90b including a display area for the total price of the product price calculated by the control unit 41. When the electronic card balance and the service point balance recorded on the IC card owned by the customer are read by the first card communication unit 11a, the total price of the product price and the IC card are recorded by the display unit 45. The difference from the balance is further displayed.

  The input unit 46 is used to input an instruction to the POS register 40 such as an instruction to end reading of a product code and an instruction of a payment method, and to input data such as a deposit amount of electronic money. . The input unit 46 includes a keyboard on which various input keys are arranged. When various input keys such as an amount key are pressed, an instruction and data are input to the POS register 40.

  The communication unit 47 is a communication interface for transmitting and receiving data to and from the main body control device 20.

  FIG. 3 is an external perspective view of the card reading terminal 10 shown in FIGS. 1 and 2. The card reading terminal 10 shown in FIG. 3 has a card holding part 111 with an antenna part 13 built in on one surface, and a non-contact type IC card is held over the card holding part 111, whereby the IC card and the card Data is exchanged with the communication unit 11. The liquid crystal display 112 of the card information display unit 12 is provided on the card holding unit 111, and the signal processing unit 14 is incorporated in the housing.

  As described above, since the card communication terminal 11 and the card information display unit 12 are incorporated into a common housing, the card reading terminal 10 is configured to be compact as a whole. Even when the card is installed and there is not enough space, the two card reading terminals 10 can be installed in a small space.

  FIG. 4 is a diagram showing an example of a balance information display screen 70 displayed by the card information display unit 12a of the first card reading terminal 10a shown in FIGS. The balance information display screen 70 includes an area 71 for displaying a service point balance read by the first card communication unit 11a and an area 72 for displaying a card balance as an electronic money balance.

  FIG. 5 is a diagram illustrating an example of a product information display screen 80 displayed by the product information display unit 32 of the product reading device 30 illustrated in FIGS. 1 and 2. The product information display screen 80 includes an area 81 for displaying the product name and an area 82 for displaying the normal product price based on the product code read by the product reading unit 31. Furthermore, when the member identification information recorded on the IC card owned by the customer is read by the first card communication unit 11a, the discount amount from the normal product price is calculated for the product for which the discount price for the member is set. An area 83 to be displayed and an area 84 to display the discounted member price are included. The product information for members displayed by the product information display unit 32 is not limited to the member price, but may be various information having appealing power such as a service point rate.

  FIG. 6 is a diagram showing an example of a balance information display screen 90a displayed by the display device 45a for the clerk of the POS register 40 shown in FIG. When the first card communication unit 11a reads the electronic money balance and the service point balance into the IC card owned by the customer, as described above, the card information display unit 12a of the first card reading terminal 10a displays the balance information. The screen 70 is displayed, and the customer can know the balance information of the IC card owned by the customer. In addition to this, a balance information display screen 90a is displayed on the display device 45a of the POS register 40 in order to notify the store clerk who is an operator of the POS register 40 of the balance information as shown in FIG.

  As shown in FIG. 6, the balance information display screen 90a includes an area 92a for displaying a point balance that can be used as a service point, and an area 93a for displaying a card balance that is an electronic money balance. The balance information display screen 90a further includes an area 91a for displaying the total amount of products purchased by the customer as the sales amount, but at the time before the product code attached to the purchased product is read by the product reading unit 31. , 0 (zero) is displayed.

  FIG. 7 is a diagram showing an example of a total price display screen 90b of purchased products displayed by the display unit 45 of the POS register 40 shown in FIGS. Similar to the balance information display screen 90a shown in FIG. 6, the total amount display screen 90b displays an area 91b for displaying the total amount of products purchased by the customer as a sales amount and a point balance usable as a service point. An area 92b and an area 93b that displays a card balance that is an electronic money balance are included, and an area 94b that displays the difference between the total price of the purchased product and the balance of the IC card owned by the customer is further included. .

  FIG. 8 is a flowchart showing the flow of the payment settlement process in the payment settlement system 1 shown in FIGS. 1 and 2. The price settlement process shown in FIG. 8 is started when a customer who wants to purchase a product holds the IC card over the card holding section 111 of the first card reading terminal 10a for the price settlement.

  When the IC card is held over the card holding unit 111 of the first card reading terminal 10a and the response of the IC card is received by the first card communication unit 11a (YES in step a1), the control unit 21 of the main body control device 20 The first card communication unit 11a is made to read information recorded on the IC card (step a2). The control unit 21 of the main body control device 20 determines whether or not the member identification information is included in the read information (step a3). When the member identification information is recorded (YES in step a3). The service point balance and the member identification information are transmitted together with the electronic money balance to the control unit 41 of the POS register 40 (step a4). In the control unit 41 of the POS register 40, the subsequent step is performed under the condition that the customer is a member, for example, by setting a flag indicating that it is a member card. Further, the control unit 41 of the POS register 40 displays the balance information display screen 70 shown in FIG. 4 on the card information display unit 12a of the first card reading terminal 10a, and the display unit 45 of the POS register 40 displays FIG. Is displayed (step a5).

  As a result, the customer uses the electronic money balance and the service point balance displayed by the card information display unit 12a of the first card reading terminal 10a to check whether the electronic money balance is sufficient before making the payment. You can know if there are any possible service points. Therefore, since the shortage of electronic money balance can be dealt with promptly at the time of settlement, the time required for payment settlement is shortened, the time for making a decision to use points is obtained, and service points can be used easily. Further, the store clerk can guide the customer about the deposit of the electronic money balance and the use of the service point by looking at the balance information display screen 90a displayed on the display device 45a of the POS register 40. Checkout processing becomes possible.

  Next, the store clerk reads the barcode attached to the purchased product. At this time, when a barcode which is a product code attached to the purchased product is read by the scanner which is the product reading unit 31 (step a6), the control unit 41 of the POS register 40 corresponds to the read barcode. The product name and product price are read from the product information storage unit 42 and stored in the purchased product storage unit 43 in association with the member identification information, and the product price is accumulated and stored in the total amount storage unit 44 (step a7). . At this time, the products for which the member price for the member is determined in advance are stored and accumulated at the member price. Further, the control unit 41 of the POS register 40 displays the product information display screen 80 shown in FIG. 5 on the product information display unit 32 of the product reading device 30 (step a8).

  Therefore, the customer recognizes appealing product information for members on the product information display screen 80 displayed by the product price display unit 32 when the barcode attached to the product is read by the product reading unit 31. And sales promotion is planned.

  While the bar code is read for all purchased products by the store clerk, the product reading unit 31 reads the product (step a6), the POS register 40 stores the purchased product, and the product price is integrated (step a7). ) And display of product information (step a8) by the product information display unit 32 are repeated (NO in step a9).

  When an instruction to end reading of the product code is input through the input unit 46 of the POS register 40 (YES in step a9), the control unit 41 of the POS register 40 calculates the total amount of purchased products and the balance recorded on the card. The difference is calculated (step a10). The calculation result is displayed as a total amount display screen 90b shown in FIG. 7 by the display unit 45 of the POS register 40 (step a11).

  Therefore, the operator of the POS register 40 who is a salesclerk of the store looks at the screen 90b displayed on the display device 45a of the POS register 40 and holds the IC card over the second card reading terminal 10b for payment. Before, you will know if there is no shortage of electronic money balance and if there are service points available. Further, the customer can also check the screen 90b displayed on the display device 45b of the POS register 40 to confirm whether or not the electronic money balance is insufficient and the available service point balance.

  At this time, if an electronic money balance shortage has occurred, the operator of the POS register 40 can notify the customer of the shortage of the balance before payment, and the customer may recognize the shortage of the balance himself. As a result, smooth settlement processing becomes possible. Further, when there is an available service point, the operator of the POS register 40 can guide the customer about the use of the service point before the payment is made, and the customer himself / herself also views the total amount display screen 90b. Service points can be used effectively.

  After the total amount is displayed (step a11), the process proceeds to a settlement process described later (step a12), and the payment settlement process is completed.

  If the member identification information is not recorded on the IC card read by the first card communication unit 11a in step a3 described above (NO in step a3), the electronic money balance is stored in the control unit 41 of the POS register 40. Is transmitted (step a13), but the member identification information and the balance of service points given to the member are not transmitted. Therefore, the subsequent steps a13 to a20 in the POS register 40 are performed under the condition that the customer is not a member.

  Thereafter, the control unit 41 of the POS register 40 causes the card information display unit 12a of the first card reading terminal 10a to display only the electronic money balance in the balance information display screen 70 shown in FIG. The display unit 45 displays information excluding the service point balance in the balance information display screen 90a shown in FIG. 6 (step a14). Subsequently, while the bar code of the purchased product is read by the store clerk, the product reading unit 31 reads the product (step a15), the POS register 40 stores the purchased product, and the product price is integrated (step). a16) and display of product information by the product information display unit 32 (step a17) are repeated (NO in step a18). In steps a16 and a17, the product price becomes a normal price applied to customers excluding members.

  When a product code reading end instruction is input through the input unit 46 of the POS register 40 (YES in step a18), the control unit 41 of the POS register 40 displays the total amount of purchased products and the electronic money balance recorded on the card. Is calculated (step a19), and is displayed on the display unit 45 of the POS register 40 by removing the service point balance from the total amount display screen 90b shown in FIG. 7 (step a20). Thereafter, the process proceeds to a settlement process described later (step a12), and the payment settlement process is completed.

  If the response of the IC card is not detected by the first card communication unit 11a at step a1 described above (NO at step a1), the product reading unit 31 reads the product (step a21) and the POS register 40 purchases the product. And the product price display (step a22) and the display of product information by the product information display unit 32 (step a23) are repeated under the condition that the customer is not a member (NO in step a24). The regular price is used. When an instruction to end reading the product code is input through the input unit 46 of the POS register 40 (YES in step a24), the total price of the product price of the purchased product is displayed (step a25), and the process proceeds to a settlement process described later ( Step a12), the payment settlement process is completed.

  FIG. 9 is a flowchart showing in detail the settlement process (step a12) in the flow of the payment settlement process shown in FIG. The price settlement process is started when a price settlement method is input after the display unit 45 of the POS register 40 displays the total price of the product price of the purchased product (step b1). At this time, the settlement method is (i) when settlement is made with both electronic money and service points (step b1 is NO and step b2 is YES), and (ii) settlement is made with electronic money without using service points. If (step b1 is NO and step b2 is NO), (iii) if payment is made with cash using service points (step b1 is YES and step b20 is YES), and (iv) use service points The case is divided into four cases (step b1 is YES and step b20 is NO).

  These settlement methods are input by pressing an input key for inputting a settlement method provided in the input unit 46 of the POS register 40. In order to perform a smooth settlement process, if there is a service point that can be used, the control unit 41 of the POS register 40 may control the service point so that the service point is always used (YES in step b2).

  First, (i) when an instruction for electronic money payment (NO in step b1) and use of service points (YES in step b2) is input by the input unit 46 of the POS register 40, an IC card is used for payment. Therefore, the second card communication unit 11b waits for an IC card response until the IC card is held over the card holding unit 111 of the second card reading terminal 10b (NO in step b3).

  When the second card communication unit 11b receives the response from the IC card (YES in step b3), the control unit 21 of the main body control device 20 stores the electronic money balance recorded on the IC card in the second card communication unit 11b, The service point balance and member identification information are read. The read IC card information is transmitted to the control unit 41 of the POS register 40 by the control unit 21 of the main body control device 20 (step b4). The control unit 41 of the POS register 40 compares the total of the electronic money balance and the service point balance with the total price of the purchased product price (step b5), and determines that the total card balance is equal to or greater than the total price of the product price. If so (YES at step b5), the process proceeds to full card payment processing (step b9).

  In the full amount card settlement process (step b9), the settlement amount is transmitted from the control unit 41 of the POS register 40 to the control unit 21 of the main body control device 20, and the second card communication is performed based on an instruction from the control unit 21 of the main body control device 20. The part 11b rewrites the electronic money balance and the service point balance recorded on the IC card into a balance obtained by subtracting the payment amount. That is, the service point balance of the IC card is rewritten to 0 (zero) in order to be used for settlement, and the remaining price excluding the service point is subtracted from the electronic money balance of the IC card.

  In the point grant processing after the next price settlement (step b11), the customer IC card is a member card in which the service point balance is recorded based on an instruction from the control unit 21 of the main body control device 20, depending on the purchased product. Earn service points. Specifically, the number of service points to be added is calculated based on purchase of goods by the control unit 41 of the POS register 40 and transmitted to the control unit 21 of the main body control device 20. The second card communication unit 11b rewrites the service point balance recorded on the IC card with a balance obtained by adding the number of service points received from the control unit 41 of the POS register 40. Thus, the settlement process ends.

  When the control unit 41 of the POS register 40 determines that the sum of the electronic money balance and the service point balance is less than the total amount of the purchased product price in step b5 described above (NO in step b5), the control unit 41 of the POS register 40 When an instruction to perform additional deposit is input by the input unit 46 (YES in step b6), the deposit amount is input by the input unit 46 (step b7). The input of the deposit amount is performed when the operator of the POS register 40 presses the amount key for inputting the amount provided in the input unit 46. The input deposit amount data is transmitted from the control unit 41 of the POS register 40 to the control unit 21 of the main body control device 20, and based on an instruction from the control unit 21 of the main body control device 20, the second card communication unit 11b performs IC An additional deposit process (step b8) is performed in which the electronic money balance recorded on the card is rewritten to the balance with the deposit amount added. Next, the full card payment process (step b9) and the point grant process (step b11) described above are performed, and the payment process ends.

  As described above, by using the information of the IC card read by the first card communication unit 11a, it is known that the balance of the card is insufficient at the end of the barcode reading before the payment, so the second card At the time of payment for a product by the reading terminal 10b, electronic money can be quickly deposited into the IC card, and the time required for a series of payment settlement processes can be shortened. Here, when additional payment is necessary due to a shortage of electronic money balance, the control unit 41 of the POS register 40 controls the electronic money to be transferred regardless of the operation of the input key (YES in step b6). And a smoother settlement process is possible.

  In step b6 of the payment process, if an instruction not to add money is input (NO in step b6), a partial card payment process (step b10) is performed. In the partial card settlement process (step b10), both the electronic money balance and the service point balance recorded on the IC card by the second card communication unit 11b are based on an instruction from the control unit 21 of the main body control device 20. It is rewritten to 0 (zero) which is the balance after the partial card settlement. With respect to the remaining amount obtained by subtracting the electronic money balance and the service point balance from the purchase amount of the merchandise, the settlement is completed when an instruction to complete the cash settlement is input by the input unit 46 of the POS register 40. After the partial card settlement process (step b10), the above-described point grant process (step b11) is performed, and the settlement process ends.

  Next, (ii) the flow of processing when an instruction of electronic money settlement (NO in step b1) and non-use of service points (NO in step b2) is input by the input unit 46 of the POS register 40 is as described above. This is the same as steps b3 to b10 when using the service points.

  In brief, the second card communication unit 11b waits for an IC card response (NO in step b12) and receives a response from the IC card (YES in step b12). Information recorded on the IC card The read information is transmitted to the control unit 41 of the POS register 40 by the control unit 21 of the main body control device 20 (step b13). When the control unit 41 of the POS register 40 determines that the electronic money balance is equal to or greater than the total price of the purchased merchandise price (YES in step b14), full card payment processing (step b18) is performed. In the full card payment process (step b18), the second card communication unit 11b rewrites the electronic money balance of the IC card into an electronic money balance obtained by subtracting the payment amount transmitted from the control unit 41 of the POS register 40. Thereafter, the above-described point grant process (step b11) is performed, and the price settlement ends.

  If it is determined in step b14 that the electronic money balance is less than the total price of the purchased product price (NO in step b14) and an instruction for additional payment is input (YES in step b15), After the input (step b16), an additional deposit process (step b17) similar to step b8 described above is performed. Subsequently, the above-described full card payment processing (step b18) and point grant processing (step b11) are performed, and the payment processing ends.

  If an instruction not to add money is input in step b15 described above (NO in step b15), the process proceeds to a partial card settlement process (step b19). In the partial card settlement process (step b19), only the electronic money balance is rewritten to 0 (zero), which is the balance after settlement. Thereafter, the above-described point grant process (step b11) is performed, and the settlement process ends.

  Next, (iii) a case where an instruction for cash settlement (YES in step b1) and use of service points (YES in step b20) is input by the input unit 46 of the POS register 40 will be described.

  In the case of (iii), when the second card communication unit 11b waits for an IC card response (NO in step b21) and receives a response from the IC card (YES in step b21), it is recorded on the IC card. The read information is transmitted to the control unit 41 of the POS register 40 by the control unit 21 of the main body control device 20 (step b22). Thereafter, when the control unit 41 of the POS register 40 determines that the service point balance is equal to or greater than the total price of the purchased product price (YES in step b23), the service point is applied to the entire price settlement amount. (Step b24). That is, the control unit 21 of the main body control device 20 sets the service point balance of the IC card to the second card communication unit 11b so that the service point balance obtained by subtracting the settlement amount received from the control unit 41 of the POS register 40 is obtained. Let them be rewritten. Further, the above-described point grant process (step b11) is performed, and the settlement process ends.

  If the control unit 41 of the POS register 40 determines that the service point balance is less than the total price of the purchased product price in step b23 described above (NO in step b23), the service point is included in part of the price settlement. Is applied (step b25), and the remaining price is processed in cash (step b26). That is, the control unit 21 of the main body control device 20 rewrites the second card communication unit 11b so that the service point balance of the IC card becomes 0 (zero) (step b25), and cash is input by the input unit 46 of the POS register 40. A settlement completion instruction is input (step b26), and the settlement is completed. Thereafter, the process proceeds to the above-described point grant process (step b11).

  Next, (iv) when an instruction for cash settlement (YES in step b1) and service point non-use (NO in step b20) is input by the input unit 46 of the POS register 40, the input to the POS register 40 When an instruction to complete cash settlement is input by the unit 46 (step b27), and further an instruction not to add service points is input (NO in step b28), the settlement process ends.

  When an instruction to add a service point is input by the input unit 46 of the POS register 40 in step b28 described above (YES in step b28), a service point corresponding to the purchase price is given. In this case, based on the instruction of the control unit 21 of the main body control device 20, the second card communication unit 11b goes through the IC card response waiting state (NO in step b29) and receives a response from the IC card (step b). b29 YES), the above-described point grant processing (step b11) is performed.

  The above-described embodiment is merely an example of the present invention, and the configuration can be changed within the scope of the present invention. For example, in the present embodiment, the case where the IC card owned by the customer is a non-contact type IC card has been described, but the card communication unit 11 is also used for the contact type IC card for the contact type IC card. It can be applied in the same manner by configuring with a reader. Further, the present invention can be similarly applied to a configuration in which an RF antenna and an IC chip are incorporated in a mobile phone instead of an IC card.

  In the present embodiment, service points are given only to members of the dealer, but service points may be given even if they are not members of the dealer. In this case, when the control unit 21 of the main body control device 20 determines that the card is not a membership card in step a3 of FIG. 8 (NO in step a3), the control unit 41 of the POS register 40 is set in step a13. Electronic money balance and service point balance are transmitted. In step a14, the electronic money balance and the service point balance are displayed. Further, the difference calculated in step a19 is the difference between the total of the electronic money balance and the service point balance and the total amount of the purchased product.

  In the present embodiment, when the electronic money balance is insufficient, the deposit amount is input by pressing the amount key provided in the input unit 46 of the POS register 40 by the operator of the POS register 40. However, for example, when the IC card has a credit card function in addition to the electronic money function, the credit card may be automatically charged.

It is a figure showing typically price settlement system 1 which is one embodiment of the present invention. It is a block diagram which shows the structure of the payment settlement system 1 shown in FIG. FIG. 3 is an external perspective view of the card reading terminal 10 shown in FIGS. 1 and 2. It is a figure which shows an example of the balance information display screen 70 displayed by the card information display part 12a of the 1st card reading terminal 10a shown in FIG. 1 and FIG. It is a figure which shows an example of the merchandise information display screen 80 displayed by the merchandise information display part 32 of the merchandise reading apparatus 30 shown in FIG. 1 and FIG. It is a figure which shows an example of the balance information display screen 90a displayed by the display part 45 of the POS register | resistor 40 shown in FIG. It is a figure which shows an example of the total amount display screen 90b of the purchased goods displayed by the display part 45 of the POS register | resistor 40 shown in FIG. 1 and FIG. It is a flowchart which shows the flow of the price adjustment process in the price adjustment system 1 shown in FIG. 1 and FIG. It is a flowchart which shows a payment process in detail among the flows of the price adjustment process shown in FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Price settlement system 10a 1st card reading terminal 10b 2nd card reading terminal 11a 1st card communication part 11b 2nd card communication part 12a, 12b Card information display part 20 Main body control apparatus 30 Goods reading apparatus 31 Goods reading part 32 Goods information Display unit 40 POS register 45a, 45b Display unit 46 Input unit

Claims (5)

A payment settlement system that settles the total amount of product prices using an IC card in which electronic money balance and service point balance are recorded,
Communicating with the IC card, the first card communication unit for reading the electronic money balance and service point balance from the IC card,
And Table radical 113 that displays the electronic money balance and the service point balance read by the first card communication unit,
A product reading unit that reads a product code attached to one or more purchased products;
A POS register that calculates and settles the total price of the product price based on the product code read by the product reading unit ;
Communicating with the IC card, reading the electronic money balance and service point balance from the IC card, and determining at least one of the electronic money balance and service point balance as at least a total amount of product prices calculated by the POS register Including a second card communication unit that rewrites a part of the balance to a settled balance ,
The display unit
Before reading of commodity codes by the commodity reading portion is performed, Ri displayable der the electronic money balance and service point balance,
When the product code is read by the product reading unit, the electronic money balance and the service point balance read by the first card communication unit and the total price of the product price calculated by the POS register are displayed. , Displaying the difference between the total amount and the balance of at least one of the electronic money balance and service point balance,
When the electronic money balance and the service point balance are read by the second card communication unit after the difference is displayed on the display unit, the POS register reads at least one of the electronic money balance and the service point balance. , payment settlement system according to claim that you settle at least a portion of the total amount. In the IC card, member identification information indicating that the owner of the IC card is a member is recorded so as to be readable by the first card communication unit,
A product information display unit for displaying product information including a product price when a product code is read by the product reading unit;
The product information display unit displays member product information for a predetermined product when the member identification information is read by the first card communication unit,
2. The POS register calculates a total price of a product price using a product price included in the product information for members when the member identification information is read by the first card communication unit. The payment system described in. The POS register includes an input unit for inputting a deposit amount of electronic money to the IC card,
The second card communication unit, when the deposit amount is input by the input unit, according to claim 1, characterized in that rewriting the electronic money balance of the IC card, the new electronic money balance added to the entering amount Or the payment system described in 2 . Claim wherein the first card communication unit and the second card communication unit, the communication operation and the communication operation by the second card communication unit according to the first card communication unit, characterized in that can be executed in parallel The price settlement system according to any one of 1 to 3 . Wherein the first card communication unit and before Symbol Table radical 113, payment settlement system according to any one of claims 1-4, characterized in that built into a common housing.

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