JP5747793B2 - Payment terminal and payment system - Google Patents

Description

  The present invention relates to a payment terminal and a payment system that perform payment using money information recorded on a payment recording medium.

  Conventionally, as a technology related to a payment terminal and a payment system for performing payment using money information (electronic money information, etc.) recorded on a payment recording medium (IC card, mobile phone, etc.), product sales data shown in Patent Document 1 below Processing devices are known. In this merchandise sales data processing device, when change is generated in the merchandise sales data processing, a receipt having a cash voucher portion coded so as to have a monetary value equivalent to the change and a normal receipt portion is issued. Is done. By using the receipt issued in this way as a cash voucher, it is not necessary for the customer to carry a prepaid card or the like, and the handling of change is reduced.

  Further, in the electronic money payment system shown in Patent Document 2 below, when a user performs a predetermined operation on a mobile phone and displays an intention to use a valid coupon, the payment terminal device uses the mobile phone in this payment process. Coupon information is acquired and settlement processing using the coupon is performed. Then, the coupon is invalidated by the settlement terminal device notifying the mobile phone that the coupon has been used. Thereby, the coupon information digitized also restricts the number of times of use, like the coupon printed on paper.

JP 2003-067841 A JP 2007-280065 A

  By the way, in a portable payment terminal, generally, in order to avoid unauthorized payment using a payment terminal illegally obtained due to theft or the like, payment can be made from a payment recording medium such as an IC card. The specifications were such that it was not possible to deposit money on a recording medium. However, there is a case where a refund corresponding to the return of the purchased product is required after the settlement processing using the IC card or the like, or the amount of money is mistakenly deducted from the IC card or the like due to an erroneous operation by a salesperson. In such a case, there is a problem that the place must be refunded in cash because the payment terminal does not have a deposit function even though the purpose of use of the IC card or the like is unused. In addition, even if cash is not refunded in this way, there is a problem that it is necessary to visit a store or the like equipped with a terminal device having a deposit function and deposit the amount corresponding to the refund to the IC card or the like based on the transaction receipt. there were.

  In the configuration disclosed in Patent Document 1, cash is not used by using a bar-coded discount ticket. However, no mention is made of copy countermeasures and customer information protection for the discount ticket itself. There is a problem in terms of security with respect to copying and theft of discount tickets. In addition, the configuration disclosed in Patent Document 2 is a technology that utilizes a discount coupon (discount ticket) in a mobile phone that functions as a recording medium for settlement. There is a problem that it is difficult to apply to.

  The present invention has been made in order to solve the above-described problems. The purpose of the present invention is to prevent fraud related to a refund after settlement using monetary information even if a settlement terminal having no deposit function is used. It is to provide a settlement terminal and a settlement system that can be suppressed.

  In order to achieve the above object, the invention described in claim 1 performs a payment using the monetary information recorded on the prepaid payment recording medium (C, 50) and performs a depositing function on the payment recording medium. The terminal side communication means (40) capable of reading and writing information recorded in the payment recording medium and the payment amount corresponding to the payment using the terminal side communication means Terminal-side deduction means (21) for deducting from the balance of the settlement recording medium, withdrawal information for canceling the settlement and refunding, and specific information for identifying the settlement recording medium used for the settlement Encoding means (21) for encrypting and encoding as a refund code (Q), and display means (25, 51) for displaying the refund code on a portable medium (R) so as to be optically readable. With It is characterized in.

  The invention described in claim 2 is the payment terminal according to claim 1, wherein the recording medium for payment is an IC card.

  According to a third aspect of the present invention, in the payment terminal according to the first or second aspect, the display means (25) prints the refund code on a paper medium (R) so as to be optically readable. It is characterized by displaying.

  The invention described in claim 4 is the payment terminal according to claim 1, wherein the payment recording medium is a portable terminal (50) having a display unit (51) and capable of using the money information, The display unit functions as the display unit that displays the withdrawal code so as to be optically readable by the portable terminal.

  According to a fifth aspect of the present invention, in the payment terminal according to any one of the first to fourth aspects, the terminal side reading means (30) for optically reading the refund code and the terminal side reading means The terminal-side reading means obtains the refund information and the specific information by decoding the read-back code, and the terminal-side reading means performs the reduction by the terminal-side reduction means when the terminal-side reduction means performs the reduction. When the withdrawal code is read, if the payment recording medium to be reduced matches the settlement recording medium specified from the specified information of the read withdrawal code, the withdrawal information of the withdrawal code Terminal-side discount means (21) for discounting the refund amount according to the amount from the amount to be reduced.

  The invention described in claim 6 is a payment having the payment terminal (20) according to any one of claims 1 to 5 and a depositing device (11) having a deposit function for the settlement recording medium. In the system (10), the depositing device decodes the payment code read by the device-side reading means (13) and the device-side reading means that optically reads the payment code. The device-side decrypting means (12) for acquiring the withdrawal information and the specific information, the device-side communication means (14) capable of reading and writing information recorded on the payment recording medium, and the device-side reading means When the refund code is read, a refund amount corresponding to the refund information of the refund code is given to the payment recording medium specified from the specified information of the refund code. And payment means for payment using (12), characterized in that it comprises a.

The invention described in claim 7 is a payment terminal (20) according to any one of claims 1 to 5 and a payment device (11) for performing a payment using the monetary information recorded on the payment recording medium. ), Wherein the payment device is a device side reading means (13) for optically reading the payment code, and the payment code read by the device side reading means. The device-side decrypting means (12) for obtaining the refund information and the specific information by decrypting the information, the device-side communication means (14) capable of reading and writing information recorded on the settlement recording medium, and the settlement Device-side deduction means (12) for deducting the payment amount corresponding to the amount from the balance of the recording medium for payment using the device-side communication means, and the device-side reading means when deducting by the device-side deduction means By the payment When the payment code is read, if the payment recording medium to be reduced matches the payment recording medium specified from the specific information of the read payment code, the payment information of the payment code is included in the payment information. And a device-side discount means (12) for discounting the corresponding refund amount from the amount to be reduced.
In addition, the code | symbol in each said parenthesis shows the correspondence with the specific means as described in embodiment mentioned later.

  According to the first aspect of the present invention, the encoding means encrypts and codes the refund information for canceling the payment and returning the payment information and the specific information for specifying the payment recording medium used for the payment as the refund code. The The refund code thus coded is displayed on the portable medium so as to be optically readable by the display means.

As a result, when a refund is received after payment using the monetary information recorded on the payment recording medium, the refund code encoded by encoding the refund information and the specific information is optically stored on a portable medium. Can be displayed in a readable manner. Then, the refund code displayed in this way is optically read and decoded and brought to a device having a deposit function to be read by the device so that the refund information of the refund code is displayed. The corresponding refund amount can be deposited into the settlement recording medium. In particular, since the specific information is acquired by reading the refund code, forgery or illegal use of the refund code can be prevented by prohibiting the refund to the settlement recording medium different from the specific information. Also, by depositing the refund amount into the settlement recording medium, it is possible to eliminate the need for possession of cash for the refund to the salesperson using the settlement terminal.
Therefore, even when using a payment terminal that does not have a deposit function, fraud related to a refund after payment using money information can be suppressed.

  Even if an IC card is used as the settlement recording medium as in the second aspect of the invention, the payment code displayed as described above is optically read and decoded to have a deposit function. By making the device read, the refund amount corresponding to the refund information of the refund code can be deposited into the IC card.

  According to the invention of claim 3, since the display means prints and displays the refund code on a paper medium so as to be optically readable, the refund code can be displayed easily and at low cost. Can be improved.

  In the invention of claim 4, a portable terminal that has a display unit and can use monetary information is adopted as the settlement recording medium. The display unit functions as a display unit that displays the payout code so as to be optically readable. This eliminates the need for a medium for displaying a refund code, such as a paper medium, thereby improving convenience related to the refund.

  In the invention of claim 5, when the refund code is read by the terminal side reading means at the time of the reduction by the terminal side reduction means, it is specified from the payment recording medium to be reduced and the specified information of the read refund code. When the payment recording medium matches, the refund amount corresponding to the refund information of the refund code is discounted from the reduced amount by the terminal side discount means.

  Thereby, the above-mentioned withdrawal information and specific information are acquired by reading the withdrawal code by the terminal side reading means and decoding it by the terminal side decoding means. When the terminal side reducing means reduces, that is, when the monetary information of the settlement recording medium is reduced in accordance with the purchase of the product, the settlement record specified from the settlement recording medium and the specific information When the medium matches, the refund amount corresponding to the refund information is discounted from the amount to be reduced. Thereby, even a payment terminal that does not have a deposit function can perform a discount corresponding to a refund.

  In a sixth aspect of the present invention, a settlement system includes the settlement terminal according to any one of the first to fifth aspects and a depositing device having a deposit function. Then, in the depositing device, when the refund code is read by the device side reading unit, the payment recording medium specified by the specific information of the refund code is responded to the refund information of the refund code. The refund amount is deposited by the depositing means using the device side communication means.

  As a result, in the depositing device, the above-described withdrawal information and specific information are obtained by reading the withdrawal code by the device side reading means and decoding it by the device side decoding means. Then, a payment amount corresponding to the refund information is paid to the settlement recording medium specified by the specific information by the depositing means, so that a refund to the settlement recording medium different from the specific information is prohibited and the refund is made. Forgery and unauthorized use of the business code can be prevented. Further, since the refund amount is deposited in the settlement recording medium, it is possible to eliminate the need for possession of cash for the withdrawal for the user of the settlement terminal and the depositing device. Further, since the user of the depositing device only performs the operation of reading the refund code and does not need to examine the contents related to the refund, it is possible to reduce the labor related to the refund of the user of the depositing device.

  In a seventh aspect of the present invention, a payment system includes the payment terminal according to any one of the first to fifth aspects and a payment device that performs a payment using money information recorded on the payment recording medium. Have. Then, in the payment device, when the refund code is read by the device-side reading means at the time of the reduction by the device-side reduction means, the payment recording medium is identified from the specific information of the payment recording code to be reduced and the read refund code. When the payment recording medium matches, the refund amount corresponding to the refund information of the refund code is discounted from the reduced amount by the device-side discount means.

  Thereby, in the payment apparatus, the above-described withdrawal information and specific information are obtained by reading the withdrawal code with the equipment side reading means and decrypting with the equipment side decoding means. When the amount is reduced by the device-side reduction means, that is, when the monetary information of the payment recording medium is reduced in accordance with the purchase of the product, the payment recording medium specified from the payment recording medium and the specific information is recorded. When the medium matches, the refund amount corresponding to the refund information is discounted from the amount to be reduced, so discounts on the payment recording medium different from the specific information are prohibited, and counterfeiting code and fraudulent use Can be prevented. In particular, in the payment system according to the present invention, since the payment device does not need to have a deposit function, even a payment device having no deposit function can be adopted as a payment device. Further, since the refund amount is discounted from the purchase amount, it is possible to eliminate the need for possession of cash for the refund to the user of the settlement terminal or the settlement device.

It is explanatory drawing which illustrates notionally the payment system which concerns on 1st Embodiment. FIG. 2 is a block diagram schematically showing an electrical configuration of the payment terminal in FIG. 1. It is a flowchart which illustrates the flow of the payment process by the control part of the payment terminal in 1st Embodiment. It is explanatory drawing explaining the refund slip printed in the printing part. It is a flowchart which illustrates the flow of the refund process by the control part of the POS register in 1st Embodiment. It is a flowchart which illustrates the flow of the discount process by the control part of the payment terminal in 2nd Embodiment. It is explanatory drawing which illustrates notionally the payment system which concerns on 3rd Embodiment. It is a flowchart which illustrates the flow of the payment process by the control part of the payment terminal in 3rd Embodiment.

[First Embodiment]
Hereinafter, a settlement terminal and a settlement system according to a first embodiment of the present invention will be described with reference to the drawings. FIG. 1 is an explanatory diagram for conceptually explaining a payment system 10 according to the first embodiment.
A payment system 10 shown in FIG. 1 is a terminal that performs payment related to purchase of a product, a stationary POS register 11 installed in the store S, and a salesperson who sells the product in a sales area away from the store S. (Hereinafter, referred to as “sales person outside store”). The payment terminal 20 and the POS register 11 are configured to perform a payment process by performing non-contact communication (wireless communication) with a payment recording medium such as a cash card or a credit card as well as cash. In the first embodiment, a non-contact type IC card C is employed as the settlement recording medium. The IC card C is electronic money as financial information having a monetary value by a prepaid method. Is configured to be available.

First, the configuration of the payment terminal 20 will be described with reference to FIG. FIG. 2 is a block diagram schematically showing the electrical configuration of the payment terminal 20 of FIG.
The payment terminal 20 is configured not to have a payment function to the payment recording medium in order to avoid illegal payment due to theft or the like. As shown in FIG. 2, the payment terminal 20 includes a control unit 21 that controls the payment terminal 20 as a whole. The control unit 21 is composed mainly of a microcomputer, has a CPU, a system bus, an input / output interface, and the like, and can constitute an information processing apparatus together with the memory 22, and can process information processing such as settlement processing. It has a function. In addition, a display unit 23, a key operation unit 24, a printing unit 25, and the like are connected to the control unit 21.

  The display unit 23 includes, for example, a liquid crystal display and the like, and is configured to be controlled by the control unit 21. The display unit 23 operates in response to a command related to display processing and the like from the control unit 21. The key operation unit 24 is configured to give an operation signal to the control unit 21, and the control unit 21 receives an operation signal from these to perform processing according to the content of the operation signal. ing.

  The printing unit 25 is configured as a known printer that is provided in the mobile terminal, and is configured to print a refund slip R, which will be described later, in response to a command from the control unit 21. The printing unit 25 may correspond to an example of a “display unit” described in the claims. Further, the printing unit 25 may be a printer or the like that is configured with separate parts. Further, a battery 26 and a power supply unit 27 serving as a power source are accommodated in the casing, and power is supplied to the control unit 21 and various electric components by these.

The information code reading unit 30 and the IC card communication unit 40 are connected to the control unit 21.
The information code reading unit 30 has a function of optically reading an information code such as a barcode attached to a product, and includes an image recognition module 31. The image recognition module 31 includes an illumination light source, a light receiving sensor (not shown), and the like. Irradiation light from the illumination light source is reflected by the information code, and reflected light is received by the light receiving sensor via the reading port. The light receiving signal corresponding to the reflected light is output from the light receiving sensor to the control unit 21. In the control unit 21, information of the information code is acquired based on the light reception signal. 1 and 2 exemplify a state in which the barcode B displayed on the product G is optically read by the information code reading unit 30. The information code reading unit 30 may correspond to an example of a “terminal side reading unit” recited in the claims.

  The IC card communication unit 40 includes an IC card reader control unit 41, an IC card reader communication unit 42, and an antenna 43. The IC card reader control unit 41 controls the IC card reader communication unit 42 to perform non-contact communication (radio communication) using an electromagnetic wave with the IC card C via the IC card reader communication unit 42 and the antenna 43. The payment-related information related to the payment such as balance information stored in the IC card C is readable and writable. The IC card communication unit 40 may correspond to an example of “terminal side communication means” recited in the claims.

  The POS register 11 is a payment device that performs payment using the electronic money recorded on the IC card C and has a deposit function for the IC card C. In addition to the deposit function, the POS register 11 Has the same payment function. The POS register 11 controls the POS register 11 as a whole to realize the above-described payment function, a control unit 12 for performing a refund process, which will be described later, an information code reading unit 30 of the payment terminal 20, and IC card communication. The scanner 13 and the IC card communication unit 14 having functions equivalent to those of the unit 40 are provided. In the POS register 11, a predetermined encryption key for decrypting and decrypting a refund code (described later) captured by the scanner 13 in a refund process is stored in advance in a memory or the like. The POS register 11 corresponds to an example of “payment device” described in the claims. The scanner 13 corresponds to an example of “apparatus side reading means” described in the claims, and the IC card communication unit 14 corresponds to an example of “apparatus side communication means” described in the claims. obtain.

  Next, payment processing using the IC card C by the control unit 21 of the payment terminal 20 will be described with reference to FIGS. 3 and 4. FIG. 3 is a flowchart illustrating the flow of the payment process by the control unit 21 of the payment terminal 20 in the first embodiment. FIG. 4 is an explanatory diagram for explaining the refund slip R printed by the printing unit 25.

  In the payment process according to the present embodiment, an information code (for example, a barcode) attached to a product at the time of purchase of a product by an outside-sales salesperson carrying the payment terminal 20 is imaged by the information code reading unit 30. The product information reading process shown in FIG. 3 is performed, and the captured information code is decoded (decoded), thereby obtaining purchase information, a product name, a purchase price, and the like regarding the purchased product. Note that the purchase information is not limited to being acquired by reading by the information code reading unit 30, and for example, purchase information that is directly input according to the operation of the key operation unit 24 may be acquired.

  Next, a reduction process shown in step S103 is performed. In this process, by making non-contact communication with the IC card C held near the antenna 43 for payment, the purchase amount is reduced from the balance to the IC card C, and predetermined information on payment is made. Is memorized. In addition, the control part 21 which performs the said reduction process can correspond to an example of the "terminal side reduction means" as described in a claim.

  If there is no return of the product purchased in this way (No in S105), the processing from the product information reading process is repeated.

  On the other hand, if the purchased product is returned (Yes in S105), the return information reading process shown in step S107 is performed, and the information code attached to the product to be returned is imaged and decoded by the information code reading unit 30. By doing so, the information regarding the goods for return is acquired. Subsequently, a card information acquisition process shown in step S109 is performed. In this process, the IC card communication unit 40 reads a purchase history or the like stored in the IC card C when purchasing a return target product presented by the refunder. Then, in the determination process shown in step S111, it is determined whether or not the purchase history read as described above includes a history of purchasing a product to be returned. Here, if the purchase history does not include the purchase history of the merchandise to be returned (No in S111), the settlement processing is terminated without performing processing such as a refund code generation processing described later. .

  On the other hand, if the purchase history includes a history of purchasing the product to be returned (Yes in S111), it is determined that the IC card C is the IC card at the time of purchasing the product to be returned, and the step The refund code generation process shown in S113 is performed. In this process, based on specific information for identifying the IC card C when the merchandise to be returned is purchased, for example, the card number and refund information for canceling the settlement and refunding, for example, the refund amount, etc. Code Q is generated. The refund code Q is configured as a QR code (registered trademark) in which the refund information and the specific information are encrypted by the encryption key so that they can be decrypted.

  Specifically, the refund code Q includes a public area where information can be acquired without using the encryption key, and a private area where information encrypted using the encryption key can be decrypted and acquired. It is comprised so that it may have. In the public area, for example, a refund amount, transaction date and time, slip number, store name, sales person name, etc. are recorded, and in the non-public area, for example, IC card deposit amount, IC card payment amount, card balance , A card number, a terminal ID for specifying a payment terminal at the time of payment, a card transaction serial number, and the like are recorded. Note that the control unit 21 that performs the refund code generation processing can correspond to an example of “encoding means” described in the claims.

  Subsequently, the printing process shown in step S115 is performed. In this process, print information for printing such as a refund code Q generated in the refund code generation process and a description about the refund is output to the printing unit 25. In response to this print information, the printing unit 25 issues a refund slip R by printing and displaying on the paper medium a refund code Q and a description about the refund, as shown in FIG.

  When the refund slip R is printed and issued in this manner, the salesperson outside the store gives the printed refund slip R to the refunder who receives the refund. Then, the refunder brings the received refund slip R into the store S where the POS register 11 is installed, and uses the refund slip R and the IC card C used when the refund slip R is issued to store the goods in the store S. Give it to a salesperson who sells it (hereinafter referred to as in-store salesperson). The salesperson in the store who has received the refund slip R and the IC card C takes an image of the refund code Q displayed on the refund slip R using the scanner 13 and holds the received IC card C over the IC card communication unit 14. .

  As a result, the control unit 12 of the POS register 11 performs a refund process for depositing into the IC card C according to the refund amount of the refund slip R. This refund process will be described in detail with reference to FIG. FIG. 5 is a flowchart illustrating the flow of a refund process by the control unit 12 of the POS register 11 in the first embodiment.

  First, the decryption process shown in step S201 is performed, and information such as the refund amount recorded in the public area of the photographed refund code Q is decrypted, and information such as the card number recorded in the non-public area is the above information. Decrypted using the encryption key. In addition, the control part 12 which performs a decoding process can correspond to an example of the "apparatus side decoding means" as described in a claim.

  Next, in the determination process shown in step S203, it is determined whether or not the card number decoded from the refund code Q matches the card number of the IC card acquired by the IC card communication unit 14, If they do not match, it is determined that they are not the same card, and the payout process ends without performing the deposit process described later.

  On the other hand, if the card number decoded from the refund code Q and the card number of the IC card acquired by the IC card communication unit 14 match (Yes in S203), it is determined that they are the same card, step S205. The deposit process shown in FIG. In this process, the IC card communication unit 14 is used to increase the balance of the IC card C according to the refund amount decrypted from the refund code Q, and predetermined information relating to the refund is written to the IC card C. . That is, in the refund process according to the present embodiment, only the IC card C used for payment can receive a refund. The refunder may receive the refund slip R immediately after returning it to the salesperson outside the store, or may give the refund slip R to the salesperson outside the store at a later date. Moreover, the control part 12 which implements a money_receiving | payment process can correspond to an example of the "payment means" as described in a claim.

  As described above, in the settlement terminal 20 according to the first embodiment, when the purchased product is returned, the withdrawal information for canceling the settlement and refunding and the IC card C used for the settlement are specified. The card number (specific information) is encrypted and encoded as a refund code Q. The refund code Q thus encoded is displayed on the refund slip R by the printing unit 25 so as to be optically readable.

Thus, when a refund is received after settlement using electronic money (money information) recorded on the IC card C, a refund code Q in which the refund information and the specific information are encoded and encoded can be carried. It can be displayed on the refund slip R as a medium so as to be optically readable. Then, the refund code Q displayed in this way is brought to the POS register 11 and is read by the POS register 11 so that the refund amount corresponding to the refund information of the refund code Q is transferred to the IC card C. You can deposit money. In particular, since the card number (specific information) is acquired by reading the refund code Q, the counterfeit or illegal use of the refund code Q is prevented by prohibiting the refund to an IC card different from the card number. be able to. Further, by depositing the refund amount into the IC card, it is possible to eliminate the need for possession of cash for refund to the salesperson who uses the settlement terminal 20.
Therefore, even if the payment terminal 20 that does not have a deposit function is used, fraud related to a refund after payment using money information can be suppressed.

  The printing unit 25 prints and displays the refund code Q as a refund slip R on a paper medium so as to be optically readable, so that the refund code Q can be displayed easily and at low cost. Portability can be improved.

  The payment system 10 includes the payment terminal 20 configured as described above and the POS register 11 having a deposit function. Then, in the POS register 11, when the refund code Q is read by the scanner 13, the IC card C identified from the card number (specific information) of the refund code Q is stored in the refund code Q. A refund amount corresponding to the refund information is deposited using the IC card communication unit 14.

  Thereby, in the POS register 11, the above-described withdrawal information and card number (specific information) are obtained by reading and decoding the withdrawal code Q with the scanner 13. Since the refund amount corresponding to the refund information is paid to the IC card C identified from the card number, as described above, the refund to the IC card different from the card number is prohibited, and the refund code Forgery and unauthorized use of Q can be prevented. In addition, the salesperson in the store who is a user of the POS register 11 only performs the operation of reading the refund code Q, and it is not necessary to examine the contents related to the refund. Can be reduced.

[Second Embodiment]
Next, a payment terminal and a payment system according to the second embodiment will be described with reference to FIG. FIG. 6 is a flowchart illustrating the flow of discount processing by the control unit 21 of the payment terminal 20 in the second embodiment.
In the second embodiment, the discount processing using the refund slip R issued as described above is performed, so that the discount corresponding to the refund is performed at the settlement terminal 20. Mainly different from the payment terminal related to.

Hereinafter, discount processing by the control unit 21 of the settlement terminal 20 in the second embodiment will be described in detail with reference to the flowchart shown in FIG.
The refunder who has received the refund slip R printed as described above passes the refund slip R and the IC card C used when the refund slip R is issued to another salesperson when purchasing another product. The salesperson outside the store who has received the refund slip R and the IC card C takes an image of the refund code Q displayed on the refund slip R using the information code reading unit 30, and also receives the received IC card C as an IC card communication unit. Hold it over 40 antennas 43.

  In this way, when the refund code Q is captured at the time of product purchase (Yes in step S301), the decryption process shown in step S303 is performed, and the refund amount recorded in the public area of the captured refund code Q is recorded. Information is decrypted, and information such as a card number recorded in the private area is decrypted using the encryption key. In addition, the control part 21 which performs a decoding process can correspond to an example of the “terminal side decoding means” described in the claims.

  Next, the card information acquisition process shown in step S305 is performed. In this process, a process for reading the card number of the IC card C held over the antenna 43 is performed. Subsequently, in the determination process shown in step S307, it is determined whether or not the card number decoded in the decoding process matches the card number read in the card information acquisition process.

  If both card numbers match (Yes in S307), a reduction process is performed in consideration of the discount amount shown in step S309. In this process, the amount obtained by discounting the refund amount from the purchase amount is reduced from the balance of the IC card C held over the antenna 43. In addition, the control part 21 which implements the reduction process in consideration of the discount amount can correspond to an example of “terminal-side discount unit” described in the claims.

  On the other hand, if the card numbers do not match (No in S307), the discount using the refund code Q becomes invalid, and a reduction process not considering the discount amount shown in step S311 is performed. In this process, since the card numbers do not match, the purchase amount is deducted from the balance of the IC card C held over the antenna 43 without considering the refund amount in order to prevent unauthorized use of the refund code Q. .

  As described above, in the payment terminal 20 according to the second embodiment, when the payout code Q is read by the information code reading unit 30 when the IC card C is reduced using the payment terminal 20, the reduction is made. When the IC card C to be read matches the IC card specified from the card number (specific information) of the read refund code Q, the refund amount corresponding to the refund information of the refund code Q is reduced by the above amount. Discounted from the amount to be paid.

  Thus, the above-described withdrawal information and card number are obtained by reading and decoding the withdrawal code Q by the information code reading unit 30. When the amount is reduced, that is, when the electronic money (money information) of the IC card C is reduced in accordance with the purchase of the product, the IC card C and the IC card specified from the card number match. In this case, the refund amount corresponding to the refund information is discounted from the amount to be reduced. Thereby, even a payment terminal that does not have a deposit function can perform a discount corresponding to a refund.

  Note that the discount processing described above may be performed by the POS register 11. In this case, the POS register 11 functions as a “settlement device” described in the claims. Moreover, the control part 12 functions as an example of the "apparatus side reduction means" and the "apparatus side discount means" as described in a claim by implementing the discount process using the refund slip R mentioned above. Moreover, the discount process mentioned above may be implemented in the payment apparatus which does not have a payment function like the payment terminal 20. FIG.

[Third Embodiment]
Next, a payment terminal and a payment system according to the third embodiment will be described with reference to FIGS. FIG. 7 is an explanatory diagram conceptually illustrating the payment system 10 according to the third embodiment. FIG. 8 is a flowchart illustrating the flow of the payment process by the control unit 21 of the payment terminal 20 in the third embodiment.
The third embodiment is mainly different from the payment terminal according to the first embodiment in that a mobile phone 50 is used as the payment recording medium instead of the non-contact type IC card C.

  The cellular phone 50 shown in FIG. 7 is configured to be able to use electronic money as monetary information having a monetary value in a prepaid manner, like the IC card C described above. Is stored in a memory or the like. In other words, using the electronic money of the mobile phone 50, merchandise can be purchased at the payment terminal 20 or the POS register 11. In addition, the mobile phone 50 includes a display unit 51 configured by a liquid crystal display or the like, and information for displaying the refund code Q received from the settlement terminal 20 by executing a predetermined application ( The refund code Q can be displayed on the display unit 51 using the code information).

Next, payment processing using the mobile phone 50 by the control unit 21 of the payment terminal 20 will be described in detail with reference to the flowchart shown in FIG.
Similar to the first embodiment, there is a return after purchasing a product using the mobile phone 50 (Yes in S105), and the return information reading process shown in step S107 and the card information acquisition process shown in step S109 are performed. When the read purchase history includes the purchase history of the product to be returned (Yes in S111), the refund code generation process shown in step S113 is performed, and the refund code Q is generated. Subsequently, a code information transmission process shown in step S115a is performed. In this process, code information for the refund code Q is transmitted to the mobile phone 50. When the code information transmitted in this way is received by the mobile phone 50, a refund code Q can be displayed on the display unit 51 of the mobile phone 50 by using this code information.

  Then, the refunder brings the mobile phone 50 into the store S where the POS register 11 is installed, and the refund code Q displayed on the display unit 51 can be read by the scanner 13, and the IC card communication unit 14. Hold it over a position where non-contact communication is possible.

  Thus, the control unit 12 of the POS register 11 performs the above-described refund process, and the card number decoded from the refund code Q and the card number of the mobile phone 50 acquired by the IC card communication unit 14 are obtained. If they match (Yes in S203), the deposit process described above is performed.

  As described above, in the payment terminal 20 according to the third embodiment, the mobile phone 50 that has the display unit 51 and can use electronic money (money information) is employed as the payment recording medium. The display unit 51 functions as a display unit that displays the refund code Q so as to be optically readable. This eliminates the need for a medium for displaying the refund code Q, such as a paper medium, as in the first embodiment, so that the convenience related to the refund can be improved.

  Note that discount processing may be performed using the refund code Q displayed on the display unit 51 of the mobile phone 50 as in the second embodiment. Even if it does in this way, there exists an effect similar to the said 2nd Embodiment.

  In this embodiment, the mobile phone 50 is used as the payment recording medium. However, the present invention is not limited to this, and a payment function having a display unit that can display the refund code Q based on the received code information. You may employ | adopt the portable terminal which has as said recording medium for payment.

In addition, this invention is not limited to said each embodiment, You may actualize as follows.
(1) In the first and second embodiments, the IC card C is adopted as the settlement recording medium. However, the present invention is not limited to this, and electronic money can be used as monetary information having a monetary value by a prepaid method. A payment recording medium configured as described above, for example, a mobile phone may be used as the payment recording medium.

(2) In the first and second embodiments, the refund code Q is not limited to be printed and displayed optically readable on a paper medium as a refund slip R by the printing unit 25. For example, the mobile terminal It may be displayed optically readable on a portable medium such as a display unit.

10 ... Payment system 11 ... POS register (Payment equipment, Payment equipment)
12. Control unit (equipment side decryption means, deposit means, equipment side reduction means, equipment side discount means)
13 ... Scanner (device side reading means)
14 ... IC card communication unit (device side communication means)
20 ... settlement terminal 21 ... control unit (terminal-side deduction means, encoding means, terminal-side decoding means, terminal-side discount means)
25. Printing section (display means)
30: Information code reading unit (terminal side reading means)
40 ... IC card communication unit (terminal side communication means)
50 ... Mobile phone (settlement recording medium, mobile terminal)
51. Display section (display means)
B ... Barcode (attached to the product)
G ... Product (product for sale)
C ... IC card (settlement recording medium)
Q ... Refund code R ... Refund slip (paper medium)
S ... Store (store system)

Claims (7)

A payment terminal that performs payment using money information recorded on a prepaid payment recording medium and does not have a deposit function for the payment recording medium;
Terminal-side communication means capable of reading and writing information recorded on the payment recording medium;
Terminal-side reduction means for reducing the payment amount corresponding to the payment from the balance of the payment recording medium using the terminal-side communication means;
Encoding means for encrypting and encoding refund information for canceling the payment and refunding and specific information for specifying the recording medium for payment used for the payment;
Display means for displaying the withdrawal code optically readable on a portable medium;
A payment terminal comprising:   The payment terminal according to claim 1, wherein the payment recording medium is an IC card.   The settlement terminal according to claim 1 or 2, wherein the display means displays the withdrawal code by printing it on a paper medium so as to be optically readable. The payment recording medium is a portable terminal that can use the money information having a display unit,
The settlement terminal according to claim 1, wherein the display unit functions as the display unit that displays the payout code so as to be optically readable by the mobile terminal. Terminal side reading means for optically reading the withdrawal code;
Decoding the refund code read by the terminal-side reading means, thereby obtaining the refund information and the specific information;
When the payment code is read by the terminal side reading means during the reduction by the terminal side reduction means, the payment specified by the specific information of the payment recording medium to be reduced and the payment code read. A terminal-side discount means for discounting the refund amount corresponding to the refund information of the refund code from the amount to be reduced when the recording medium matches,
The payment terminal according to any one of claims 1 to 4, further comprising: A payment system comprising the payment terminal according to any one of claims 1 to 5 and a depositing device having a depositing function with respect to the payment recording medium,
The depositing equipment is:
Device-side reading means for optically reading the withdrawal code;
By decoding the refund code read by the device side reading means, the device side decoding means for acquiring the refund information and the specific information,
Device-side communication means capable of reading and writing information recorded on the payment recording medium;
Refund amount corresponding to the refund information of the refund code for the settlement recording medium specified from the specific information of the refund code when the refund code is read by the device side reading means Depositing means for depositing using the device side communication means,
A payment system comprising: A payment system comprising: the payment terminal according to any one of claims 1 to 5; and a payment device that performs payment using money information recorded on the payment recording medium,
The payment device is:
Device-side reading means for optically reading the withdrawal code;
By decoding the refund code read by the device side reading means, the device side decoding means for acquiring the refund information and the specific information,
Device-side communication means capable of reading and writing information recorded on the payment recording medium;
Device-side reduction means for reducing the payment amount corresponding to the payment from the balance of the payment recording medium using the device-side communication means;
When the refund code is read by the device-side reading means during the reduction by the device-side reduction means, the settlement specified by the specific information of the payment recording medium to be reduced and the withdrawal code read. Device-side discount means for discounting the refund amount corresponding to the refund information of the refund code from the amount to be reduced when the recording medium matches,
A payment system comprising:

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