JP5850410B2 - Payment terminal and payment system - Google Patents

Description

  The present invention relates to a payment terminal and a payment system that handle a plurality of types of electronic money.

  2. Description of the Related Art Conventionally, as a payment terminal that handles a plurality of types of electronic money, an electronic payment processing apparatus disclosed in Patent Document 1 is known. In this electronic payment processing apparatus, after the sales data of the purchased product is registered, the customer holds the electronic money-attached medium (payment medium), so that the electronic money balance of each brand stored in the electronic money-added medium can be obtained. When the priority is set for the electronic money information of each brand according to the specified electronic money balance, a brand selection screen in which the brand image of each electronic money information is arranged according to this priority is displayed on the display unit. Then, the electronic money indicated by the brand image touch-operated by the customer is selected as the electronic money for executing the payment process, and the electronic money payment is executed.

JP 2010-186418 A

  By the way, in the payment terminal as shown in the above-mentioned Patent Document 1, in order to select the electronic money to be used, the screen is touched after the payment medium is held over. Two stages of work are required. This two-stage work is necessary not only for a payment medium charged with a plurality of types of electronic money, but also for a payment medium charged with a single type of electronic money. In addition, there is a problem that it is very inconvenient for a customer who frequently uses electronic money every time it is used. In addition, there is a possibility that a customer may erroneously perform a touch operation for selecting electronic money. If payment processing is executed while the touch operation is incorrect, a different type of electronic money from the electronic money desired for payment is used. There is a problem of making a payment with.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide a payment terminal capable of selecting electronic money to be used for payment from a plurality of types of electronic money without performing an input operation. And providing a payment system.

In order to achieve the above object, the settlement terminal (10, 10a) according to claim 1 includes a plurality of communication means (20, 50) for communicating with a settlement medium (C, 60) in which electronic money information is recorded, A reading means (30, 50) for optically reading a selection code (Q) in which selection information for selecting electronic money to be used for payment from various types of electronic money is in communication with the communication means The payment processing means (11) capable of executing payment processing using the electronic money information of the payment medium and the payment information based on the selection information obtained by reading the selection code by the reading means. Selecting means (11) for selecting the type of electronic money used by the processing means.
In addition, the code | symbol in each said parenthesis shows the correspondence with the specific means as described in embodiment mentioned later.

  In the invention of claim 1, selection information for selecting electronic money to be used for payment from a plurality of types of electronic money is recorded in the selection code, which can be obtained by reading the selection code by the reading means. Based on the selected information, the type of electronic money used by the settlement processing unit is selected by the selection unit.

As a result, when using electronic money, the user such as a customer selects electronic money because the payment medium is simply held up against the antenna of the communication means so that the reading code is read by the reading means. There is no inconvenience without working consciously. In particular, since the selection information according to the user's request is recorded in the selection code, the electronic money of a different type from the electronic money for which payment is desired is not selected.
Therefore, it is possible to select electronic money to be used for settlement from a plurality of types of electronic money without performing input work.

  In the invention of claim 2, since the selection information is set so that the higher the priority of the various electronic money set in advance, the selection information reflects the priority according to the user's request. By setting, it is possible to reliably select the electronic money desired by the user without performing an input operation.

  In the invention of claim 3, since the selection information is set so that the electronic money with insufficient balance is not selected even if the priority is high, the remainder is paid in cash because the electronic money with insufficient balance is selected. Such a situation can be eliminated.

  In the invention of claim 4, since the selection information is selected as the balance of the electronic money information is larger, it is possible to suppress the selection of electronic money with insufficient balance.

  In the invention of claim 5, at least part of the selection information is encrypted so as to be decipherable by a predetermined encryption key, and the selection information is deciphered from the selection code read by the reading means. The predetermined encryption key is stored in advance in the storage means.

  If the selection information can be freely obtained by optically reading the selection code, it is known that the payment medium can be used for electronic money, which may cause a problem in terms of security. Therefore, by encrypting at least a part of the selection information with a predetermined encryption key and storing the predetermined encryption key in the storage means of the payment terminal in advance, it becomes difficult for a third party to acquire the selection information, and Leakage of information related to electronic money on the medium can be suppressed.

  In the invention of claim 6, since the type of electronic money used by the settlement processing unit is notified by the notification unit, the user can surely grasp the type of electronic money used for the settlement.

  According to the seventh aspect of the present invention, the communication means is arranged so that its antenna can communicate with the settlement medium that holds the selection code readable with respect to the reading means, and therefore only the selection code is held over the reading means. Thus, it becomes possible to communicate with the settlement medium, and the convenience of settlement using the electronic money of the settlement medium can be further enhanced.

  The invention according to claim 8 comprises the payment terminal according to any one of claims 1 to 7 and one or more payment media, wherein the payment media can use electronic money information. It is a portable terminal provided with the display part which can display the code for selection on a screen. Thereby, at the time of payment using electronic money, the selection code is displayed on the display unit, so that it is not necessary to always display the selection code by pasting it with a paper medium or the like. As a result, it is difficult for a third party to acquire the selection information, and leakage of information related to the electronic money of the settlement medium can be suppressed.

  According to a ninth aspect of the present invention, the settlement medium includes input means for inputting change information for changing the selection information, and update means for updating the selection code based on the change information. As a result, when the selection information is changed, the selection code reflecting the user's intention is updated by the update means when the information necessary for the change is input by the input means, so the electronic money is selected. The selection information for doing so can be easily changed according to the user's intention.

It is explanatory drawing which shows schematic structure of 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. FIG. 3 is a block diagram schematically showing an electrical configuration of the information code reading device of FIG. 2. It is explanatory drawing explaining the selection information encoded as a code for selection. It is a flowchart which illustrates the flow of the payment process implemented in a payment processing apparatus. It is explanatory drawing explaining another example of the selection information encoded as a code for selection. It is explanatory drawing which shows schematic structure of the payment system which concerns on 2nd Embodiment.

[First Embodiment]
Hereinafter, a first embodiment of a payment terminal and a payment system according to the present invention will be described with reference to the drawings. FIG. 1 is an explanatory diagram showing a schematic configuration of the settlement system 1 according to the first embodiment.
A settlement system 1 shown in FIG. 1 is a system for realizing settlement using electronic money information (money information) recorded on a settlement recording medium (settlement medium) such as an IC card, A payment terminal 10 having a function and one or more payment media are provided. In the payment terminal 10 shown in this embodiment, as shown in FIG. 1, a payment process using an IC card C that can use a plurality of types of electronic money as a payment medium will be described as an example.

First, the configuration of the payment terminal 10 will be described in detail with reference to FIGS. 2 and 3. FIG. 2 is a block diagram schematically showing the electrical configuration of the payment terminal 10 of FIG. FIG. 3 is a block diagram schematically showing an electrical configuration of the information code reader 30 of FIG.
The payment terminal 10 is a terminal that performs payment processing by selecting predetermined electronic money from a plurality of types of electronic money recorded on a payment medium. For example, a settlement place of a store such as a convenience store or a restaurant Is arranged. The payment terminal 10 includes a payment processing device 11, a wireless communication device 20, and an information code reading device 30. The settlement processing device 11 corresponds to an example of “settlement processing unit” and “selection unit” described in the claims, and the wireless communication device 20 is an example of “communication unit” described in the claims. The information code reading device 30 can correspond to an example of a “reading unit” recited in the claims.

  The payment processing apparatus 11 shown in FIG. 1 acquires payment information such as the purchase price of a commodity to be settled, and performs a payment process using the IC card C held over the wireless communication apparatus 20 based on the payment information. It is configured as a computer. As shown in FIG. 2, the payment processing apparatus 11 includes a control unit 12, a memory 13, a display unit 14, a key operation unit 15, a communication interface 16, and the like. The control unit 12 is configured by a microcomputer or the like, for example, and has a function of controlling the entire payment processing apparatus 11 according to a predetermined control program stored in the memory 13. The control unit 12 communicates not only with the wireless communication device 20 and the information code reading device 30 but also with an external device connected to the payment processing device 11 such as a host device such as a bank server and an external host device. Information is input / output via the interface 16.

  The memory 13 is configured by a known storage medium such as a ROM, a RAM, and a nonvolatile memory, and stores various types of information handled by the settlement processing device 11. The display unit 14 is configured as a touch panel, and has a configuration in which a transparent touch pad is overlaid on a display panel formed of a liquid crystal panel, an EL panel, or the like. The display panel is configured such that the display timing and display contents are controlled by the control unit 12, and when the touch pad is pressed by a user such as a customer, information on the pressing operation is transmitted to the control unit 12. It is configured to output. The key operation unit 15 includes a plurality of keys, and is configured to give an operation signal to the control unit 12 in accordance with a key operation of a service provider such as a store clerk. The control unit 12 includes the key operation unit 15. When an operation signal is received from the camera, an operation corresponding to the operation signal is performed. The communication interface 16 is configured by, for example, a well-known LAN interface or the like, and is configured to perform wireless communication or wired communication with the external device in cooperation with the control unit 12.

Next, the configuration of the wireless communication device 20 will be described.
The wireless communication apparatus 20 shown in FIG. 1 has a substantially box-shaped casing 21 and an outer shape, and a settlement recording medium such as an IC card C held over a holding surface 21 a provided on the upper surface of the casing 21. This is a stationary communication device having a function of performing wireless communication with respect to payment related information related to payment with a (wireless communication medium). Examples of the payment related information include medium information recorded on the IC card C such as a card number for distinguishing from other IC cards and balance information.

  As shown in FIG. 2, a control unit 22 that controls the entire wireless communication device 20 is provided in the housing 21 of the wireless communication device 20. The control unit 22 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 23 and has an information processing function. ing. Further, a display unit 24, a buzzer 25, a communication interface 26, a wireless communication unit 27, and the like are mainly connected to the control unit 22.

  The display unit 24 is arranged in the vicinity of the holding surface 21 a and is configured to be controlled by the control unit 22, and operates in response to a command related to display processing and the like from the control unit 22. The buzzer 25 is configured by a known buzzer and is configured to notify the settlement state by generating a predetermined sound according to a signal from the control unit 22. The communication interface 26 is configured as an interface for performing data communication related to payment related information with the payment processing apparatus 11, and is configured to perform communication processing in cooperation with the control unit 22. Note that the buzzer 25 may correspond to an example of “notification means” described in the claims.

  The wireless communication unit 27 is configured to be controlled by the control unit 22, and is not caused by electromagnetic waves with the IC card C held over the holding surface 21a via the antenna 27a disposed in the vicinity of the holding surface 21a. Perform contact communication (wireless communication). Thereby, the wireless communication unit 27 detects that the IC card C is held over the holding surface 21a, and reads medium information (payment related information) such as a card number and balance information stored in the IC card C. It functions to perform.

Next, the configuration of the information code reading device 30 will be described.
An information code reader 30 shown in FIG. 1 is configured as a stationary reader that optically reads an information code such as a barcode or a two-dimensional code. The information code reading device 30 has a substantially box-shaped casing 31 and the outer surface of the casing 31 is provided with a reading port 31a for taking in reflected light from the information code. .

  As shown in FIG. 3, a circuit unit for optically reading an information code is accommodated in the housing 31, and this circuit unit mainly includes an illumination light source 32, a light receiving sensor 34, and an imaging. An optical system such as a lens 33 and a microcomputer (hereinafter referred to as “microcomputer”) system such as a memory 37 and a control circuit 40 are configured.

  The optical system is divided into a light projecting optical system and a light receiving optical system. The illumination light source 32 constituting the light projecting optical system functions as an illumination light source capable of emitting the illumination light Lf, and is composed of, for example, a red LED and a lens provided on the emission side of the LED.

  The light receiving optical system includes a light receiving sensor 34, an imaging lens 33, a reflecting mirror (not shown), and the like. The light receiving sensor 34 is configured as an area sensor in which light receiving elements, which are solid-state imaging elements such as C-MOS and CCD, are arranged two-dimensionally, and receives reflected light Lr irradiated and reflected by the information code. It is configured to be possible. The light receiving sensor 34 is mounted on a printed wiring board (not shown) so as to be able to receive incident light incident through the imaging lens 33. The imaging lens 33 functions to collect incident light incident from the outside through the reading port 31 a and form an image on the light receiving surface 34 a of the light receiving sensor 34. In this embodiment, after the illumination light Lf emitted from the illumination light source 32 is reflected by the information code, the reflected light Lr is collected by the imaging lens 33 and a code image is formed on the light receiving surface 34a of the light receiving sensor 34. I am letting you image.

  The microcomputer system includes an amplification circuit 35, an A / D conversion circuit 36, a memory 37, an address generation circuit 38, a synchronization signal generation circuit 39, a control circuit 40, a communication interface 41, and the like.

  An image signal (analog signal) output from the light receiving sensor 34 of the optical system is input to the amplification circuit 35 and amplified by a predetermined gain, and then input to the A / D conversion circuit 36. Converted into a digital signal. When the digitized image signal, that is, image data (image information) is generated and input to the memory 37, it is stored in a predetermined code image information storage area. The synchronization signal generation circuit 39 is configured to generate a synchronization signal for the light receiving sensor 34 and the address generation circuit 38. The address generation circuit 38 is based on the synchronization signal supplied from the synchronization signal generation circuit 39. Thus, the storage address of the image data stored in the memory 37 can be generated.

  The control circuit 40 is constituted by a microcomputer capable of controlling the entire information code reading device 30 and has a CPU, a system bus, an input / output interface and the like, and has an information processing function. It is composed. Then, the control circuit 40 performs a known decoding process on the image data of the information code stored in the memory 37, thereby obtaining character data encoded as the information code. The communication interface 41 is configured as an interface for performing data communication related to reading of an information code with the payment processing apparatus 11, and is configured to perform communication processing in cooperation with the control circuit 40. .

Next, the payment processing performed by the payment processing apparatus 11 which is a characteristic part of the present invention will be described in detail with reference to FIGS. 4 and 5. FIG. 4 is an explanatory diagram for explaining selection information encoded as the selection code Q. FIG. 5 is a flowchart illustrating the flow of the payment process performed by the payment processing apparatus 11.
In the present embodiment, selection information for selecting the type of electronic money desired by the user from among a plurality of types of electronic money that can be used with a predetermined IC card C is encoded as a QR code (registered trademark). ing. Specifically, this QR code (hereinafter referred to as a selection code Q) is generated so as to be able to read the priority for each electronic money set according to the user's request, as illustrated in FIG. It is affixed to a part of the front surface or the back surface of the IC card C (see FIG. 1). The selection information selection code Q illustrated in FIG. 4 is, for example, a code prepared for an IC card C that can use four types of electronic money, and “Money B” has the highest priority. , “Money A” and “Money D” are set in the order of priority, and “Money C” is set to have the lowest priority.

  In the payment process performed by the payment processing device 11, the type (brand) of electronic money is selected based on the selection information obtained by reading the selection code Q by the information code reading device 30. Settlement is performed using the selected electronic money.

Hereinafter, the settlement process using the selection code Q generated as described above will be described in detail with reference to the flowchart shown in FIG.
First, when the payment processing device 11, the wireless communication device 20, and the information code reading device 30 of the payment terminal 10 are activated, the control unit 12 of the payment processing device 11 is in a state in which the payment information can be acquired and wireless communication is performed. The device 20 is ready to read the IC card C by wireless communication, and the information code reading device 30 is ready to optically read the information code. When the payment information is acquired, the control unit 12 starts a settlement process. The payment information may be acquired according to a key operation of the key operation unit 15, or an information code such as a barcode displayed on the purchased product is optically read by the information code reading device 30. May be acquired.

  First, the determination process shown in step S101 of FIG. 5 is performed, and it is determined whether or not the information code Q for selection has been read by the information code reader 30. If the selection information code Q has not been read (No in S101), the determination process shown in Step S103 is performed, and it is determined whether or not the IC card C has been read by the wireless communication device 20, and the IC card C is read. If not (No in S103), the determination process from step S101 is repeated.

  When the IC card C is held over the holding surface 21a of the wireless communication device 20 by a user who does not use the selection code Q during the repeated determination of No in steps S101 and S103, medium information recorded on the IC card C Is obtained, Yes is determined in step S103, and the first settlement process shown in step S105 is performed. In this process, based on the acquired medium information, the type of electronic money that can be used by the IC card is displayed on the display unit 14 in a selectable manner, and the type of electronic money is selected according to the touch operation of the display unit 14. Then, processing related to the settlement based on the payment information is performed using the selected type of electronic money.

  In addition, when the selection code Q affixed to the IC card C by the user is held over the reading port 31a of the information code reading device 30 during the repeated determination, the selection code Q is read to read the selection code Q. Information is acquired, it is determined as Yes in step S101, and it is determined in the determination process shown in step S107 whether or not the IC card C is read by the wireless communication device 20 within a predetermined time. Then, when the IC card C is continuously held over the holding surface 21a by the user holding the selection code Q over the reading port 31a, the medium information recorded on the IC card C is acquired, and Yes in step S107. Determined. If the IC card C is not read by the wireless communication device 20 within the predetermined time, it is determined No in step S107, and the processing from step S101 is performed.

  As described above, when the medium information is acquired immediately after reading the selection code Q, the selection process shown in step S109 is performed. In this process, the type of electronic money is selected based on the selection information and medium information acquired as described above. In the example shown in FIG. 4, “Money B” having the first priority is selected.

  Subsequently, the second settlement process shown in step S111 is performed. In this process, a process related to settlement based on the payment information is performed using the electronic money selected as described above. When this settlement is completed (Yes in S113) or when the settlement shown in Step S105 is completed, a notification process shown in Step S119 is performed. In this process, a notification signal for notifying the type of the selected electronic money is output to the wireless communication device 20 via the communication interface 16. Upon receiving this notification signal, the wireless communication device 20 causes the buzzer 25 to generate an identification electronic sound for identifying the type of electronic money selected based on the notification signal. As a result, the user who has listened to the identifying electronic sound can easily recognize the type of electronic money used for the settlement.

  On the other hand, if the settlement is not completed because the remaining balance of the selected electronic money is small (No in S113), an instruction to pay the remaining amount obtained by subtracting the remaining amount from the purchase amount in cash is made in the determination process shown in Step S115. It is determined whether or not it is input. Here, when the key operating unit 15 is operated by a service provider such as a store clerk who has confirmed with a user such as a customer and an instruction to pay the remaining amount in cash is input (Yes in S115), the third process shown in step S117 Payment processing is performed. In this process, in accordance with the above instruction, a settlement is made in which the entire balance of the selected type of electronic money is used as part of the payment, and the remainder is paid in cash to complete the settlement. In this case as well, the notification process shown in step S119 is performed, and the buzzer 25 generates an identification electronic sound for identifying the type of electronic money. In the third settlement process, not only the total balance of the selected type of electronic money is used as part of the payment but also the balance of the selected type of electronic money according to the user's request. The payment may be performed so that a part of the payment is used as a part of the payment.

  When the service provider confirmed with the user inputs an instruction to use other electronic money without using cash (No in S115), the selection changing process shown in step S121 is performed. In this process, the electronic money with the next highest priority is selected based on the selection information acquired as described above. For example, when the selection code Q of the selection information illustrated in FIG. 4 is read and “money B” having the highest priority is selected, if the balance is insufficient, “money having the next highest priority” A "is selected. Then, the process shown in step S111 is performed based on the type of electronic money selected in this way.

  As described above, in the payment terminal 10 and the payment system 1 according to the present embodiment, the selection code Q is recorded with selection information for selecting electronic money to be used for payment from a plurality of types of electronic money. Accordingly, based on the selection information obtained by reading the selection code Q by the information code reading device 30, the type of electronic money used by the settlement processing device 11 is selected by the selection processing shown in step S109.

As a result, when using electronic money, the payment code medium such as the IC card C is simply held up against the antenna 27a of the wireless communication device 20 so that the information code reading device 30 reads the selection code Q. There is no inconvenience because the user does not work with awareness of electronic money selection. In particular, since the selection information according to the user's request is recorded in the selection code Q, electronic money of a type different from the electronic money for which payment is desired is not selected.
Therefore, it is possible to select electronic money to be used for settlement from a plurality of types of electronic money without performing input work.

  In addition, since the selection information is set so that the higher the priority of various kinds of electronic money set in advance, the selection information is set reflecting the priority according to the user's request. Thus, it is possible to reliably select the electronic money desired by the user without performing the input operation.

  Further, since the type of electronic money used by the payment processing device 11 is notified by the identification electronic sound generated by the buzzer 25, the user can surely grasp the type of electronic money used for payment. it can.

  In the notification process shown in step S119, the type of electronic money used by the payment processing device 11 may be further displayed on the display unit 24 of the wireless communication device 20 or the display unit 14 of the payment processing device 11. Thereby, since the type of electronic money selected using both hearing and vision is notified, the user can more reliably grasp the type of electronic money.

FIG. 6 is an explanatory diagram for explaining another example of the selection information encoded as the selection code Q.
In the present embodiment, the selection information is not limited to being set based on the priority order for each electronic money as illustrated in FIG. 4. For example, even if the priority is high, the electronic money with insufficient balance is selected. May be set not to be selected.

  Specifically, as illustrated in FIG. 6, the selection information includes a selection flag for deciding whether or not to select the electronic money when the balance is insufficient. However, the selection flag is set to “1” for the electronic money to be selected, and the selection flag is set to “0” for the electronic money that is not selected when the balance is insufficient.

  Thereby, in the selection process shown in step S109, the type of electronic money is selected based on the selection flag in addition to the medium information and the priority order, so that the selection flag is set even if the priority order is high. Electronic money set to “0” is not selected if the balance is insufficient. For example, when the selection code Q in which the selection information shown in FIG. 6 is encoded is read, if the balance of “money B” is insufficient in balance, “money B” having the highest priority in the above selection process. Is selected, and “money A” having the next highest priority is selected.

  As a result, it is possible to eliminate the situation in which the unintended electronic money is selected in a shortage balance state and the remainder is paid in cash. By setting all selection flags to “0”, if at least one of the electronic money balances exceeds the purchase amount, the balance is paid in cash because the insufficient electronic money is selected. The situation can be eliminated.

  Further, in the present embodiment, the selection information may be set such that the selection information is selected as the balance of the electronic money information increases. Thereby, it is possible to suppress selection of electronic money with insufficient balance.

  In the present embodiment, the selection code Q may be encrypted such that at least a part of the selection information can be decrypted with a predetermined encryption key. That is, the selection information can be divided into a public part and a private part as necessary. In this case, the predetermined encryption key is stored in advance in the memory 37 of the information code reading device 30 so that the selection information is decrypted from the selection code Q read by the information code reading device 30. The memory 37 may correspond to an example of “storage means” recited in the claims.

  If the selection information can be obtained freely by optically reading the selection code Q, it is known that the IC card C (settlement medium) can be used for electronic money, which is a problem in terms of security. There is a possibility. Therefore, at least part of the selection information, for example, the type of electronic money that can be used, the card number, the selection flag, and the like are encrypted with a predetermined encryption key and encoded as a private part, and the predetermined encryption key is encoded as an information code. By storing in advance in the memory 37 of the reading device 30, it becomes difficult for a third party to obtain the encrypted selection information, and leakage of information regarding the electronic money of the IC card C can be suppressed.

[Second Embodiment]
Next, a payment terminal and a payment system according to the second embodiment will be described with reference to FIG. FIG. 7 is an explanatory diagram showing a schematic configuration of the payment system 1a according to the second embodiment.
In the second embodiment, in order to further enhance the convenience of settlement using electronic money, a reader 50 is employed instead of the wireless communication device 20 and the information code reader 30, and an IC card C is used as a settlement medium. Instead of using the mobile phone 60, the payment terminal and the payment system according to the first embodiment are mainly different. Therefore, substantially the same components as those of the settlement terminal and the settlement system of the first embodiment are denoted by the same reference numerals and description thereof is omitted.

  As shown in FIG. 7, the payment system 1a employed in the present embodiment is configured to include a payment terminal 10a and one or more mobile phones 60 that function as a payment medium. The settlement terminal 10 a includes a reading device 50 instead of the wireless communication device 20 and the information code reading device 30. The reading device 50 is a known reading device having the functions of both the wireless communication device 20 and the information code reading device 30, and optically reads the information code held over the reading port 31a and holds it over the holding surface 21a. It functions to communicate with respect to settlement related information including the medium information to the settled settlement medium. In particular, in the reading device 50, the reading port 31a also has a holding surface 21a, and an antenna 27a is disposed in the vicinity of the reading port 31a. That is, the antenna 27a is arranged to be able to communicate with the settlement medium in a state where the selection code Q is readable over the reading port 31a. The reading device 50 may correspond to an example of “communication means” and “reading means” recited in the claims.

  Similarly to the IC card C, the mobile phone 60 functions as a settlement medium capable of settlement using a plurality of types of electronic money. By executing a predetermined program, the mobile phone 60 is displayed on the display unit 61. The selection code Q is displayed (see FIG. 7).

  In such a configuration, when the mobile phone 60 is brought close to the reading device 50 so that the display unit 61 on which the selection code Q is displayed is held over the reading port 31a in the state where the settlement process is started, the selection code is displayed. Q is optically read (Yes in S101), and medium information of the mobile phone 60 is acquired by wireless communication (Yes in S107).

  As described above, the reading device 50 is arranged so that the antenna 27a can communicate with the mobile phone 60 that holds the selection code Q displayed on the display unit 61 over the reading port 31a. The user can communicate with the mobile phone 60 simply by holding Q over the reading port 31a, and the user can complete the payment with only one operation, so that the convenience of the payment using the electronic money of the mobile phone 60 is further enhanced. Can do.

  Even when the above-described IC card C is employed instead of the mobile phone 60, the IC card C can be communicated only by holding the selection code Q displayed on the IC card C over the reading port 31a of the reading device 50. The convenience of settlement using the electronic money of the IC card C can be further enhanced.

  In particular, in this embodiment, a mobile phone 60 including a display unit 61 that can use electronic money information and can display a selection code Q on the screen is used as a settlement medium. Thereby, at the time of settlement using electronic money, the selection code Q is displayed on the screen of the display unit 61, so that it is not necessary to always display the selection code Q by pasting it with a paper medium or the like. As a result, it is difficult for a third party to acquire the selection information, and leakage of information related to the electronic money of the settlement medium can be suppressed. Even if the mobile phone 60 is adopted in place of the IC card C in the payment terminal 10 described above, the above-described effects are obtained.

  In the present embodiment, the mobile phone 60 executes the installed dedicated program, and the change information for changing the selection information according to the input means such as the operation key of the mobile phone 60 is input. The selection code Q may be generated so as to change the content of the selection information. As a result, when the selection information is changed, the selection information Q reflecting the user's intention is updated by inputting the change information necessary for the change by the input means. Selection information for selection can be easily changed according to the user's intention. Note that the mobile phone 60 may correspond to an example of “update means” described in the claims.

In addition, this invention is not limited to said each embodiment, For example, you may actualize as follows.
(1) In the first embodiment, the selection code Q is not limited to being attached to a part of the front surface or part of the back surface of the IC card C, but is printed on a different member different from the IC card C. May be displayed.

(2) The selection code Q is not limited to being configured as a QR code, but may be configured by an information code of another code type such as a data matrix code or a maxi code.

(3) The selection information is not limited to include priority and balance information and a selection flag, and may be configured to further include other information for selecting electronic money. .

(4) The settlement medium is not limited to the IC card C or the mobile phone 60, but may be a settlement recording medium in which electronic money information is recorded so that electronic money can be used.

(5) The reading device 50 may be configured integrally with the settlement processing device 11.

DESCRIPTION OF SYMBOLS 1, 1a ... Payment system 10, 10a ... Payment terminal 11 ... Payment processing apparatus (payment processing means, selection means)
20 ... Wireless communication device (communication means)
30. Information code reading device (reading means)
50. Reading device (communication means, reading means)
60 ... Mobile phone (settlement medium)
C ... IC card (medium for settlement)
Q ... Selection code

Claims (9)

A communication means for communicating with a settlement medium in which electronic money information is recorded;
Reading means for optically reading a selection code in which selection information for selecting electronic money to be used for payment from a plurality of types of electronic money is recorded;
Payment processing means capable of performing payment processing using electronic money information of the payment medium in a state in which communication is possible by the communication means;
A payment terminal comprising: selection means for selecting a type of electronic money used by the payment processing means based on the selection information obtained by reading the selection code by the reading means; .   2. The settlement terminal according to claim 1, wherein the selection information is set so that a higher priority of various kinds of electronic money set in advance is selected.   The payment terminal according to claim 2, wherein the selection information is set so that electronic money with insufficient balance is not selected even if the priority is high.   2. The settlement terminal according to claim 1, wherein the selection information is set so that a larger balance of electronic money information is selected. The selection code is encrypted such that at least a part of the selection information can be decrypted with a predetermined encryption key,
5. The storage device according to claim 1, further comprising a storage unit that stores the predetermined encryption key in advance so that the selection information is decrypted from the selection code read by the reading unit. The payment terminal described in.   The payment terminal according to any one of claims 1 to 5, further comprising notification means for notifying a type of electronic money used by the payment processing means. The selection code is configured to be displayed on the settlement medium,
The communication means is arranged such that its antenna is communicable with the settlement medium that holds the selection code readable to the reading means. The payment terminal according to item. A payment system comprising the payment terminal according to any one of claims 1 to 7 and one or more payment media.
The payment system, wherein the payment medium is a portable terminal including a display unit that can use electronic money information and display the selection code on a screen.   The settlement medium includes input means for inputting change information for changing the selection information, and update means for updating the selection code based on the change information input by the input means. The settlement system according to claim 8.

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