JP5457022B2 - Payment processing device - Google Patents

Description

  The present invention relates to a payment processing apparatus, and more particularly to a payment processing apparatus that performs a payment process with a recording medium such as an IC card.

  Various electronic payment systems have been provided in which valuable value information is recorded on a recording medium such as an IC card, so-called “electronic money card”, and the value of goods and services is settled using this valuable value information. Has been. Since these electronic payment systems do not need to have cash at the time of payment, there are advantages such as ease of payment processing not only on the user side but also on the store side. In addition, security is also taken into consideration, and mutual authentication processing is performed with the electronic payment module prepared in the electronic payment terminal device, and only when the mutual authentication is established, the electronic payment processing is performed on the electronic money card. Will be implemented. That is, in the electronic money card, predetermined security is ensured by recording valuable value information in a secure storage area that can be read and written only by an electronic settlement module for which mutual authentication has been established.

  Here, most of the electronic payment modules described above are uniquely developed in each electronic payment system, and mutual authentication is not established with an electronic money card with a different electronic payment system. It is also impossible to read and write valuable information. Therefore, for example, even if the user owns an electronic money card corresponding to the electronic payment system of one electronic payment operator, the electronic payment terminal device on the store side becomes an electronic payment system of another electronic payment operator. When the electronic payment module is provided, the electronic money card presented by the user cannot be handled and electronic payment cannot be performed.

  In recent years, recording media (IC cards, mobile phones, etc.) on which a plurality of settlement service information are recorded have become widespread, and in order to support such recording media, the settlement service information to be applied can be selected alternatively. A vending machine (payment processing apparatus) is proposed that performs a payment process with a recording medium placed in a predetermined communicable area in accordance with the selected payment service information (for example, patent document) 1).

JP 2008-65799 A

  However, in the vending machine as described above, an antenna unit (reader / writer unit) that performs communication with an IC card placed in a predetermined communicable area and an electronic payment button (selection) that selects payment service information. Therefore, after the user selects the payment service information by pressing the electronic payment selection button once, it is necessary to put the IC card in the communicable area of the antenna unit. In other words, in order for a user to perform a payment process, two operations (hereinafter also referred to as two actions), an operation of selecting payment service information and an operation of placing an IC card in the communicable area of the antenna unit thereafter. ) Is required. Therefore, there is a possibility that these operations become complicated for the user, and improvement in convenience is required.

  In view of the above circumstances, the present invention provides a payment processing apparatus capable of improving convenience by allowing selection of payment service information in a state where a recording medium is placed in a communicable area of an antenna unit. For the purpose.

In order to achieve the above object, a settlement processing apparatus according to claim 1 of the present invention is provided for each settlement service information to be applied, and a selection unit that selects settlement service information by pressing, and a predetermined unit. And an antenna unit for reading and writing data according to the payment service information selected through the selection means, and based on the selected payment service information. In the payment processing apparatus for performing payment processing, the selection unit is configured to perform the operation when the recording medium held in the vicinity of the antenna unit is placed in a communicable area of the antenna unit. It is arrange | positioned in the position which can be pressed down with a finger | toe.

According to a second aspect of the present invention, there is provided the settlement processing apparatus according to the first aspect, wherein the selection means is arranged in the antenna unit centering on a portion spaced upward from the center of the antenna unit by a predetermined distance. Each of the antennas is disposed so as to fall within a radius having a length substantially equal to the radius of the communicable area .

  According to the present invention, when the selection means is operated by a hand holding the recording medium, the recording medium is disposed at a position where it is trapped by the communicable area of the antenna unit. The recording medium to be held is placed in the communicable area of the antenna unit. As a result, the user can select payment service information and perform payment processing in one action, and there is no possibility of becoming complicated. Therefore, it is possible to improve convenience by allowing the selection of the settlement service information while holding the recording medium in the communicable area of the antenna unit.

  Hereinafter, preferred embodiments of a settlement processing apparatus according to the present invention will be described in detail with reference to the accompanying drawings.

  1 and 2 schematically show a vending machine to which a settlement processing apparatus according to an embodiment of the present invention is applied, FIG. 1 is a perspective view, and FIG. 2 shows an internal configuration. It is explanatory drawing shown simply. FIG. 3 is a block diagram showing a control system of the vending machine to which the settlement processing apparatus according to the embodiment of the present invention is applied. The vending machine illustrated here is for selling commodities such as canned beverages and beverages containing plastic bottles, and includes a main body cabinet 1. The main body cabinet 1 is formed as a rectangular heat-insulating housing whose front surface is open. Inside the main body cabinet 1, a plurality of columns 2 are juxtaposed side by side, left and right. Each column 2 stores the same type of product along the vertical direction. A product unloader 3 is provided below the column 2. The product unloader 3 is configured to unload one product at a lowest level from the product group stored in the corresponding column 2 when a command is given. The product taken out rolls a product shooter (not shown) or the like and then reaches a product outlet 10 described later.

  The vending machine is provided with an outer door 4 at one side edge of the main body cabinet 1. The outer door 4 opens and closes the front opening of the main body cabinet 1. On the front side, the display window 5, the coin insertion slot 6, the bill insertion slot 7, the amount indicator 8, the coin return slot 9, the commodity outlet 10, While a product selection button 11 is provided, a coin processor 12 (see FIG. 3), a coin collection box (not shown), and a banknote processor 13 (see FIG. 3) are provided on the rear side of the outer door 4. is there.

  The display window 5 is a window for allowing the user to visually recognize the product sample 14. The coin slot 6 is an opening through which a user inserts coins. The coins inserted through the coin insertion slot 6 are identified by the coin processor 12 and then stored in the coin collection box. The banknote insertion slot 7 is an opening for a user to insert a banknote. The banknote inserted through the banknote insertion slot 7 is identified by the banknote processing machine 13. The bill insertion slot 7 has a function for returning bills that could not be identified by the bill processor 13. The amount display 8 is for displaying the amount of money input. The coin return port 9 is an opening for returning a coin that could not be identified by the coin processing machine 12 or a coin to be changed to the user. The coin return slot 9 has a function for returning the coins inserted through the coin slot 6 when the user operates the return lever 15. The product outlet 10 is an opening through which a user takes out the product in the column 2 carried out by the product carry-out machine 3.

  The product selection button 11 is a push button switch for the user to select a purchased product, and is prepared for each product sample 14 visually recognized through the display window 5. When the product selection button 11 is pressed, the product selection button 11 outputs information on the assigned product etc. to the basic operation control unit 20 described later as a product signal.

  The vending machine includes a basic operation control unit 20 and a settlement processing device 30 in addition to the above-described components.

  The basic operation control unit 20 performs overall control of basic operations of the vending machine, that is, operations such as merchandise selection, money processing, and merchandise removal, based on programs and data stored in the basic operation memory 21 in advance. is there. In particular, when a product signal is output from the pressed product selection button 11, the basic operation control unit 20 uses the payment amount of the product included in the product signal as a payment amount signal, and the electronic payment control unit of the payment processing device 30. In addition, a product processing operation is controlled by receiving a settlement processing end signal from the electronic settlement control unit 33 of the settlement processing device 30.

  The payment processing device 30 includes an electronic payment selection button (selection means) 31, an antenna unit 32, and an electronic payment control unit 33. As shown in FIG. 4, the electronic payment selection button 31 is a push button switch that is provided for each payment service information to be applied and selects payment service information. The vending machine according to the present embodiment applies, for example, a total of four payment service information A, B, C, and D, and four electronic payment selection buttons 31 are provided. When the electronic payment selection button 31 is pressed and payment service information is selected, the selected payment service information is output to the electronic payment control unit 33 as an electronic payment selection signal.

  The antenna part 32 has a substantially circular shape. When the electronic money card 40 is arranged in a predetermined access area (communication available area), the antenna unit 32 can read and write information from / to an IC memory 41 of the electronic money card 40 described later, and the IC Information can be transmitted to and received from the control unit 42. Further, when the electronic money card 40 is placed in a predetermined access area, the antenna unit 32 outputs to the electronic settlement control unit 33 as a holding signal that the electronic money card 40 is held.

  Here, the arrangement relationship between the electronic payment selection button 31 and the antenna unit 32 will be described. As shown in FIG. 4, the electronic payment selection buttons 31 are respectively arranged above the antenna unit 32. More specifically, centering on a point O ′ spaced about 10 cm upward from the center O of the antenna unit 32, the antenna unit 32 falls within a radius r ′ having a size substantially equal to the radius r of the access region. Electronic payment selection buttons 31 are arranged respectively. That is, the electronic payment selection button 31 is disposed at a position where the electronic money card 40 is placed on the access area of the antenna unit 32 when operated by a hand holding the electronic money card 40. The “hand” here refers to a hand of a general adult, and about 10 cm is only shown as an example of the length from the fingertip of the index finger of the general adult to the center of the palm.

  The electronic money card 40 is a non-contact type IC card including an IC chip, and includes an IC memory 41 and an IC control unit 42 as shown in FIG. The IC memory 41 records payment service information 43 necessary for executing payment processing. In the present embodiment, the settlement service information 43 is constituted by the business operator identification information 43a and the valuable value information 43b, and a plurality of settlement service information 43 of different business operators is stored in the IC memory 41 of the electronic money card 40 respectively. It is recorded. The business operator identification information 43a is for identifying an electronic payment business operator and is recorded in a plain text state in the shared area of the IC memory 41. The valuable value information 43b is an electronic valuable value used as a price when the settlement process is performed, and varies depending on each business in a secure memory area of the IC memory 41 that requires individual authentication for each business. It is recorded in an encrypted state. The IC control unit 42 has a main function of managing the settlement service information 43 recorded in the IC memory 41. The electronic money card 40 in the present embodiment is a recording medium on which a plurality of (for example, three) payment service information 43 is recorded. Specifically, a total of three payment service information 43 of A, B, and C is recorded. Thus, in the present embodiment, the antenna unit 32 that can read and write information in a non-contact state with respect to the IC memory 41 of the electronic money card 40 is applied.

  The electronic payment control unit 33 performs overall control of electronic payment processing in accordance with programs and data recorded in the electronic payment memory 34 in advance, and instructions and information given through the basic operation control unit 20. A settlement processing unit 331, a display processing unit 332, and a timer unit 333 are provided.

  When the payment service information 43 of the electronic money card 40 is given through the antenna unit 32, the payment processing unit 331 can execute the payment process on the condition that the payment service information 43 corresponds. It is. The payment processing performed by the payment processing unit 331 is to perform subtraction processing of the corresponding valuable value information 43b based on the operator identification information 43a included in the payment service information 43 when a payment amount is given, and then The fact that the payment process has been completed is output to the basic operation control unit 20 as a payment process end signal. Note that the authentication key, encryption key, and decryption key for each business operator that are required when subtracting the valuable value information 43b recorded in the IC memory 41 are prepared in the settlement processing unit 331 in advance. And In this embodiment, it is assumed that the settlement processing unit 331 corresponds to a total of four settlement service information 43 of A, B, C, and D.

  When the electronic payment processing through the payment processing unit 331 is possible, the display processing unit 332 turns on an LED (not shown) built in the antenna unit 32 and displays that electronic payment processing is possible. On the other hand, if electronic payment processing through the payment processing unit 331 is impossible, the LED is turned off to display that electronic payment processing is impossible. Here, whether or not electronic payment processing through the payment processing unit 331 is possible is determined based on data, programs, and the like stored in the electronic payment memory 34. The timer unit 333 measures time.

  FIG. 6 is a flowchart showing the contents of the electronic payment process performed by the electronic payment control unit 33 described above. Hereinafter, with reference to FIG. 6, a case where electronic money settlement processing is performed for the price of a product in the settlement processing apparatus 30 (the vending machine to which the present embodiment is applied) according to the present embodiment will be described. In the following description, it is assumed that the settlement service information C (43) is selected for convenience of explanation.

  This vending machine is in a product selection standby state, and when the product selection button 11 is pressed by the user, a product signal is output. When the product operation signal is input, the basic operation control unit 20 receives the product signal. The payment amount of the product included in the signal is output to the electronic payment control unit 33 as a payment amount signal. In this way, when the payment amount signal is given to the electronic payment control unit 33 (step S101: Yes), the electronic payment control unit 33 enters the electronic payment selection button 31 into a standby state (steps S102 and S103). When the time set in advance through the timer unit 333 elapses (step S103: Yes), the electronic settlement control unit 33 returns the procedure without performing the later-described processing and ends the current processing.

  On the other hand, when the electronic payment selection button 31 corresponding to the payment service information C (43) is pressed in the waiting state where the electronic payment selection button 31 is pressed, that is, the payment service information C (43) is selected (step S102). : Yes), the electronic settlement control unit 33 determines whether or not electronic settlement processing is possible through the display processing unit 332 (step S104). If it is determined that electronic payment processing is impossible (step S104: No), the LED of the antenna unit 32 is kept off to display that electronic payment processing is impossible (step S105). ). As a result, the user can recognize that electronic payment processing cannot be performed with the selected payment service information C (43). After displaying that electronic payment processing is not possible in step S105, the procedure is returned without executing the processing described later, and the current processing is terminated.

  On the other hand, when it is determined in step S104 that electronic payment processing is possible (step S104: Yes), the electronic payment control unit 33 turns on the LED of the antenna unit 32 through the display processing unit 332 and performs electronic payment processing. Is displayed (step S106). As a result, the user can recognize that electronic payment processing can be performed with the selected payment service information C (43).

  When displaying that electronic payment processing is possible, the electronic payment control unit 33 causes the antenna unit 32 to be in a standby state for reading the electronic money card 40 (steps S107 and S108). When the time set in advance through the timer unit 333 elapses (step S108: Yes), the electronic settlement control unit 33 returns the procedure without performing the later-described processing and ends the current processing.

  On the other hand, when the electronic money card 40 is placed in the access area of the antenna unit 32 in the reading standby state and confirmed by the card sense response from the IC control unit 42 (step S107: Yes), it is selected in the above step S102. Based on the settlement service information C (43), settlement processing is performed through the settlement processing unit 331 (step S109). As a result of this settlement processing, the valuable value information 43b of the settlement service information C (43) recorded on the electronic money card 40 is subtracted. When such a settlement process is performed, the procedure is returned to end the current process.

  When the payment process is performed in this way, a payment process end signal is output from the electronic payment control unit 33 of the payment processing apparatus 30 to the basic operation control unit 20. As a result, the basic operation control unit 20 to which the settlement processing signal is given causes the selected product to be carried out through the product carry-out machine 3. The product thus carried out is guided to the product outlet 10, and the user can receive the product from the product outlet 10.

  By the way, as described above, when the electronic payment selection button 31 is operated by a hand holding the electronic money card 40, the electronic money card 40 is disposed at a position where it is trapped by the access area of the antenna unit 32. Therefore, as shown in FIG. 7, when the user presses the electronic payment selection button 31 corresponding to the payment service information C (43) with, for example, the right index finger, the electronic money card 40 held with the right hand is held. Is deceived by the access area of the antenna unit 32. As a result, the user does not need to move the right hand in the processing of step S102 to step S109 described above, and only one operation, that is, one action is sufficient.

  As described above, according to the payment processing apparatus 30 according to the embodiment of the present invention, when the electronic payment selection button 31 is operated by a hand holding the electronic money card 40, the electronic money card 40 is an antenna. Since they are arranged at positions that are deceived by the access area of the unit 32, the user can select the settlement service information 43 and perform settlement processing with one action, which may be complicated. There is no. Therefore, the convenience can be improved by allowing the selection of the settlement service information 43 while the electronic money card 40 is placed in the access area of the antenna unit 32.

  The preferred embodiment of the present invention has been described above, but the present invention is not limited to this, and various modifications can be made.

  For example, the payment processing apparatus 30 according to the above-described embodiment is applied to a vending machine, but the present invention may be applied to a device other than a vending machine. The device itself may be used.

  In the above-described embodiment, the payment processing apparatus 30 includes the antenna unit 32 and the electronic payment selection button 31 provided on the front surface of the outer door 4 of the vending machine. The antenna unit and the selection means (electronic payment selection button 31) may be provided on a horizontal plane. In this case, the selection means is provided in the back area close to the antenna unit. More specifically, when the selection means is operated by a hand holding the recording medium (electronic money card 40), the recording medium Is placed at a position where it is covered by the communicable area of the antenna section. Even with such a configuration, the user can select the settlement service information and perform the settlement process with one action, and there is no possibility of becoming complicated. Therefore, the convenience can be improved by allowing the selection of the payment service information with the recording medium placed in the communicable area of the antenna unit.

  As described above, the payment processing apparatus according to the present invention is useful for executing payment processing with an electronic money card such as an IC card.

It is the perspective view which showed typically the vending machine to which the payment processing apparatus which is embodiment of this invention was applied. It is explanatory drawing which showed simply the internal structure of the vending machine to which the payment processing apparatus which is embodiment of this invention was applied. It is a block diagram which shows the control system of the vending machine to which the payment processing apparatus which is embodiment of this invention was applied. It is explanatory drawing which expands and shows the electronic payment selection button and antenna part which were arrange | positioned at the outer door shown in FIG. It is a block diagram which shows typically the structure of the electronic money card | curd shown in FIG. It is a flowchart which shows the content of the electronic payment process which the electronic payment control part of the payment processing apparatus which is embodiment of this invention implements. It is explanatory drawing which shows an example of a user's operation with respect to the electronic payment selection button and antenna part which comprise the payment processing apparatus which is this Embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Main body cabinet 4 Outer door 30 Payment processing apparatus 31 Electronic payment selection button 32 Antenna part 33 Electronic payment processing part 331 Payment processing part 332 Display processing part 333 Timer part 34 Electronic payment memory

Claims (2)

Select through the selection means between a selection means that is provided for each payment service information to be applied and that selects the payment service information by pressing, and a recording medium placed in a predetermined communicable area A payment processing apparatus that performs a payment process based on the selected payment service information, and an antenna unit that reads and writes data according to the payment service information
The selection means is arranged in the vicinity of the antenna unit and at a position where it can be pressed by a finger of the hand when the recording medium held by the hand is trapped in a communicable area of the antenna unit. A payment processing apparatus.   The selection means are respectively arranged so as to fall within a radius having a length approximately equal to the length of the radius of the communicable area in the antenna portion, with a portion spaced a predetermined distance upward from the center of the antenna portion. The settlement processing apparatus according to claim 1, wherein:

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