JP5866615B1 - Transaction processing system, transaction processing method, transaction processing apparatus, transaction communication terminal, and program - Google Patents

Abstract

In a payment method in which information necessary for authentication of a card used for payment processing is transmitted and received between the card and a payment destination device, the deterioration of security for authentication information is suppressed even in an offline state, and the card is used. Make payments smoothly. In a transaction processing system, a transaction processing device, when communication between the transaction processing device and a settlement destination device is disabled, is input IC card brand information, transaction amount, payment method, number of payments The transaction settlement information including the customer authentication information, the card number read from the IC card, and the expiration date is transmitted to the transaction communication terminal. When the transaction communication terminal transmits a settlement request including the transaction settlement information transmitted from the transaction processing device to the settlement destination device, the transaction communication terminal transmits a transmission request transmission completion report including the transaction settlement information to the transaction processing device. When the transaction processing device receives the transmission completion report, the transaction processing device prints a predetermined slip. [Selection] Figure 5

Description

  The present invention relates to a transaction processing system, a transaction processing method, a transaction processing device, a transaction communication terminal, and a program used for performing a settlement processing procedure in a transaction.

  For example, when a payment process using a card (for example, a credit card) is performed in the sale of goods, a conventional transaction processing apparatus (for example, a payment terminal apparatus) responds that a credit inquiry is made to the card owner and there is no particular problem. Is obtained, sales information is transmitted to a predetermined settlement destination apparatus (for example, a settlement center apparatus operated by a settlement center or a settlement relay center apparatus operated by a settlement relay center) related to settlement (sales registration). When the line between the transaction processing device and the payment destination device is unavailable, if the sales amount per transaction is less than the predetermined amount, the customer will store the RAM (Random Access Memory) in the transaction processing device. Information and sales information are stored and stored as transaction information. Such accumulation of transaction information is called “tanking”. After the number of transaction information for each number of sales tanked reaches a certain value and the line is restored, the transaction processing device transmits the tanked transaction information to the settlement destination device in a lump. As a prior art related to such tanking, for example, a transaction processing apparatus shown in Patent Document 1 has been proposed.

JP-A-2-75097

  In the prior art including the above-mentioned Patent Document 1, when the store is crowded (for example, when the number of purchasers temporarily increases during weekends, or when the store conducts some kind of campaign or time sale service, the number of purchasers increases rapidly In such a case, there is a problem that the transaction processing apparatus previously deployed in the store cannot sufficiently handle the payment process. If this problem is not solved, a long line of buyers will be created in the store, which will cause the purchaser to wait for a long time, and convenience for the purchaser will be reduced.

  In order to solve the above-described problem, the present invention provides a transaction processing device and a settlement even when the number of transaction processing devices deployed in the store cannot sufficiently handle the card settlement processing of the customer (customer). Transaction processing system, transaction processing method, transaction processing capable of smoothly performing settlement using IC credit card and avoiding prolonged waiting time of customer card settlement by using external device for communication with center device An object is to provide a device, a transaction communication terminal, and a program.

The present invention, card number, between the settlement SakiSo location is settled destination of transactions using the IC card that holds the expiration date, have rows connections for settlement of transactions using the IC card, the payment the authentication of the IC card by the above apparatus, a transaction processing system of the thin client which performs settlement of the transaction between the payment destination device, connectable to said transaction processing equipment, the brand information of the IC card, the card number, the expiration date, transaction amount, payment method, the number of payments is input, and a transaction communication terminal of portable, the transaction communication terminal, the IC card brand information of which has been input, the card number the expiration date, transaction amount, payment method, the transaction settlement information including the number of payments sent to the transaction processing system, said transaction processing system, the transaction payment transmitted from the transaction communication terminal When receiving a broadcast, and transmits a payment request including the transaction settlement information received in the payment destination device, the transaction processing apparatus, which has transmitted the payment request including the transaction settlement information to the payment destination device, A transaction processing system that prints a customer copy and a store copy .

Further, the present invention provides a transaction processing method in a transaction processing system where the transaction processing unit and a portable transaction communication terminal Thin client is connected, the transaction processing system, the card number, holds the expiry The transaction communication is performed with the settlement destination device by authentication of the IC card by the settlement destination device with the settlement destination device which is the settlement connection destination of the transaction using the IC card, and the transaction communication the terminal, brand information of the IC card to be used in the settlement of the transaction, the card number, the expiration date, transaction amount, payment method, the transaction settlement information including the number of payments is entered, the transaction communication terminal has been input wherein sends the transaction settlement information to the transaction processor, the transaction processing apparatus receives the transaction payment information transmitted from the transaction communication terminal, including the transaction settlement information received Sends a payment request to the payment destination device, the transaction processing apparatus, when transmitting a payment request including the transaction settlement information to the payment destination device, that can be printed the customer copy and store copy, transaction processing method It is.

Further, the present invention is between a payment destination of the transaction settlement destination device using the IC card to hold the card number, the expiration date, have rows connections for settlement of transactions using the IC card, the the authentication of the IC card by the payment receiving device, a first communication unit intends row settlement of the transaction between the payment destination device, a second communication unit that communicates with the portable transaction communication terminal , the transaction communication the card brand information of which has been input by the terminal, the card number, the expiration date, transaction amount, print payment method, an acquisition unit acquire the transaction settlement information including the number of payments, the customer copy and store copy The first communication unit transmits a settlement request including the transaction settlement information acquired by the acquisition unit to the settlement destination device, and the printing unit includes the transaction settlement information. Settlement request is the settlement If it is sent to the apparatus prints the customer copy and store copy, a transaction processor.

Further, the present invention is between a payment destination of the transaction settlement destination device using the IC card to hold the card number, the expiration date, have rows connections for settlement of transactions using the IC card, the the authentication of the IC card by the payment destination apparatus, with the row intends transaction apparatus settlement of the transaction between the payment destination device, a third communication unit for communicating, brand information of the IC card, the card number, the expiration date, transaction amount, payment method, and an input unit for transaction settlement information is input including the number of payments, the third communication unit, the transaction settlement information inputted by the input unit To the transaction processing device, and when the settlement request including the transaction settlement information is transmitted from the transaction processing device to the settlement destination device, printing of the customer copy and the store copy printed by the transaction processing device is completed. report Receiving a transaction communication terminal.

Further, the present invention provides the transaction processing apparatus, which is a computer, to the payment destination apparatus by authenticating the IC card by a payment destination apparatus that is a payment connection destination of a transaction using an IC card having a card number and an expiration date. a step of performing a settlement of the transaction between, brand information of the IC card to be used in the settlement of the transaction, the card number, the expiration date, transaction amount, payment method, the transaction settlement information including the number of payments, the obtaining from the transaction communication terminal capable of communicating portable and transaction processing device, a payment request including the transaction settlement information, before sending the Kike' Sumisaki device, settlement request including the transaction settlement information And a step of printing a customer copy and a store copy when transmitted to the settlement destination apparatus.

Furthermore, the present invention inputs the transaction settlement information including the brand information, card number, expiration date, transaction amount, payment method, and number of payments of the IC card used for settlement of the transaction into a portable transaction communication terminal which is a computer. a step that is, the transaction settlement information inputted, have line connections related settlement of transactions using the IC card between said a payment destination of transactions using the IC card settlement destination apparatus, wherein the authentication of the IC card by the payment destination device, transmitting the settlement of the transaction to the row intends transaction apparatus between the payment destination device, the transaction processing the transaction payment request the including the payment information from the device If it is sent to the settlement destination device, the transaction processing apparatus for realizing the steps of: receiving a print completion report customer copy and store copy image printed by the program A.

  According to the present invention, even when the number of transaction processing devices installed in a store cannot sufficiently handle the card payment processing of a customer (customer), the communication between the transaction processing device and the payment center device. By using an external device, payment using an IC credit card can be performed smoothly, and an increase in waiting time for customer card payment can be avoided.

The figure which shows an example of the system configuration | structure of the transaction processing system of 1st Embodiment. The figure which shows an example of the hardware constitutions of the transaction processing apparatus (parent machine) of each embodiment The figure which shows an example of the hardware constitutions of the external device (slave unit) of 1st Embodiment The figure which shows an example of the block configuration of the software of the transaction processing apparatus of each embodiment, and an external device The figure which shows an example of the connection path | route of the transaction processing apparatus of an offline state, an external apparatus, and a settlement center apparatus Operation explanatory drawing explaining the 1st example of the processing flow of the transaction processing apparatus of an offline state of a 1st embodiment, and an external device Operation explanatory diagram for explaining a second example of the processing flow of the transaction processing apparatus and the external apparatus in the offline state of the first embodiment Operation explanatory diagram for explaining a third example of the processing flow of the transaction processing apparatus in the offline state and the external apparatus of the first embodiment The flowchart explaining an example of the operation | movement procedure of communication between an external device and a payment relay center apparatus. (A)-(H) The figure which shows an example of the various screens displayed on an external device The figure which shows an example of the system configuration | structure of the transaction processing system of 2nd Embodiment. The figure which shows an example of the hardware constitutions of the external device of 2nd Embodiment The figure which shows an example of the connection path | route of the transaction processing apparatus of an offline state, an external apparatus, and a settlement center apparatus Operation explanatory drawing explaining an example of the processing flow of the transaction processing apparatus and external apparatus of a normal online state of 2nd Embodiment Operation explanatory drawing explaining an example of the processing flow of the transaction processing apparatus and external apparatus of an offline state of 2nd Embodiment Operation explanatory diagram showing an example of a processing flow of the transaction processing apparatus of the second embodiment in the case where the normal online state is restored (A), (B) The figure which shows an example of the various screens displayed on the transaction processing apparatus at the time of recovering to an online state

(Background to the first embodiment)
The conventional transaction processing apparatus including Patent Document 1 cannot perform an online payment service (hereinafter referred to as “online payment”) when the line with the payment destination apparatus is disconnected. Not only when the line is disconnected, but when the line of the store where the transaction processing device is installed is broken or short-circuited, when the network of the line is down, or when the payment destination device itself is down ( In other words, there is a problem that online payment cannot be performed in the same manner even when the use is stopped. However, even when online payment cannot be performed, the conventional transaction processing apparatus can perform offline payment service (hereinafter referred to as “offline payment”). That is, the conventional transaction processing device, if the sales amount does not exceed the upper limit of the transaction amount determined in advance based on the member store contract between the store and the acquirer (or third-party payment processor or issuer), Offline payment can be performed without communication with a payment destination apparatus.

  By the way, in order to make a payment using the IC credit card function, a conventional transaction processing apparatus, for example, a PIN (Personal Identification Number) input by a customer using a PINPAD provided in the transaction processing apparatus or its attached device, and a transaction Verification is performed with card information read by a reading device provided in the processing device or its attached device. The PIN verification is performed in the transaction processing apparatus, and when the verification matches (authentication), settlement using the IC credit card function becomes possible.

  In contrast, a new payment method (for example, international unification of financial transaction IC cards) in which information necessary for authentication of a card used for payment processing is transmitted and received between a card and a payment destination device via a transaction processing device. In the payment method using the EMV level 2 IC credit card function of the standard EMV specification), the transaction processing device installed in the store is connected to the payment center device when the line is disconnected. When the network is down (that is, offline), there is a problem that not only online payment but also offline payment using an IC credit card function cannot be performed. The offline payment using the IC credit card function is a payment that is performed only between the transaction processing device and the IC credit card and does not use the payment center device.

  In other words, in the new payment method described above, the transaction processing apparatus can access the memory in the chip built in the IC credit card, but various information (for example, card number, expiration date) stored in the memory is encrypted. Therefore, it can be decrypted for the first time at the settlement destination device and cannot be decrypted by the transaction processing device. For this reason, authentication of an IC credit card is performed not by a transaction processing apparatus but by a settlement destination apparatus. In this new settlement method, the transaction processing device inputs by the customer using the encrypted card information read by the reading device provided in the transaction processing device or its accessory device and the PINPAD provided in the transaction processing device or its accessory device. The received PIN is transmitted to the settlement destination apparatus. IC credit card authentication (for example, PIN verification) is performed not by the transaction terminal device but by the settlement destination device. Therefore, in order to perform payment using the IC credit card function in the offline state, the operator performs offline payment using the magnetic credit card function using the information recorded in the magnetic stripe provided together with the IC credit card. Need to do.

  Since the IC credit card is provided with a magnetic stripe, it is possible to perform settlement using the magnetic credit card function of the IC credit card. However, various information recorded in the magnetic stripe is not encrypted, and security is deteriorated as compared with settlement using the IC credit card function. Furthermore, in the payment using the magnetic credit card function, there is a limit on the upper limit of the transaction amount determined in advance based on a member store contract between the store and the acquirer (or a third-party payment processor or issuer). It is difficult to sell products beyond the upper limit, and it is difficult for acquirers or issuers to expect an increase in store commission rates.

  Therefore, in the following first embodiment, in a payment method in which information necessary for authentication of a card used for payment processing is transmitted and received between the card and the payment destination device, a line with the payment destination device cannot be used. Examples of transaction processing system, transaction processing method, transaction processing apparatus, transaction communication terminal, and program for suppressing deterioration of security for authentication information and smooth settlement using a card even in an offline state including when a trouble occurs or when a failure occurs Will be described.

  Hereinafter, each embodiment which specifically disclosed a transaction processing system, a transaction processing method, a transaction processing device, a transaction communication terminal, and a program according to the present invention will be described with reference to the drawings. In each of the following embodiments, the transaction processing apparatus according to the present invention (hereinafter also referred to as “parent device”) uses a card (for example, an IC credit card) to perform a settlement process for a transaction (for example, purchase of goods or provision of services). Installed in stores (stores that have signed a merchant contract that handles card payments with acquirers and issuers (card issuers), also known as “member stores”) It will be described as a payment terminal device. Further, the transaction communication terminal (hereinafter also referred to as “slave device”) according to the present invention can execute a general-purpose application, and the transaction processing device and the settlement relay center device or the settlement center device are in an offline state. In the case of (described later), it will be described as a communication terminal having an alternative function of performing a settlement process of the transaction processing apparatus.

(First embodiment)
In the first embodiment, a new payment method (for example, a financial transaction IC card) in which information necessary for authentication of a card used for payment processing is transmitted and received between the card and the payment relay center device via the transaction processing device. The payment relay center device has an EMV level 2 IC credit card function of the EMV specification which is an international unified standard of the same), the line between the thin client transaction processing device and the payment relay center device is disconnected. Example of payment using a transaction processing device and a transaction communication terminal (external device) installed in a store when the network is down or the network of the line is down (hereinafter referred to as “offline state”) Will be described. When the line between the transaction processing apparatus of the thin client and the settlement relay center apparatus is available, the normal state where the line network is not down is referred to as “online state”.

  FIG. 1 is a diagram illustrating an example of a system configuration of a transaction processing system 10 according to the first embodiment. In the transaction processing system 10 shown in FIG. 1, a thin client transaction processing device 1 to which a symbol reader 45 (see FIG. 2) is connected and a payment relay center device 5 as an example of a predetermined payment destination device are connected to a network (intranet). NW1 and Internet NW2), transaction processing device 1 and portable external devices 2, 2a, 2b are connected via a layer 3 switch or router (L3SW / RT) 9 provided in intranet NW1 ing. The external devices 2, 2 a, 2 b and the settlement relay center device 5 are connected via the mobile phone network NW 3 or the public telephone network NW 4, and the settlement relay center device 5 and the settlement center device 6 are connected via the Internet NW 5. Connected. Transaction processing apparatus 1 and symbol reader 45 are connected by, for example, a wired cable.

  The intranet NW1 is, for example, a wireless or wired local area network in a store where the transaction processing apparatus 1 is deployed. The Internet NW2 and NW5 are networks connected using a wireless network or a wired network as an interface. The wireless network is, for example, a wireless LAN (Local Area Network), a wireless WAN (Wide Area Network), 3G, HSPA (High Speed Packet Access), LTE (Long Term Evolution), or WiGig (Wireless Gigabit). The wired network is, for example, IEEE 802.3 / Ethernet (registered trademark) (ETHERNET (registered trademark)). The cellular phone network NW3 is a wide area network configured using, for example, 3G, HSPA, or LTE. The public telephone line network NW4 is a network configured using, for example, an existing telephone line. Note that the mobile phone network NW3 and the public phone network NW4 may use other connection networks such as an Internet connection network via an access point which is a spot of WiFi (registered trademark). The Internet NW 5 may use another connection network such as an intranet or a dedicated line.

  The transaction processing device 1 is a thin client type payment terminal device, and information on various items related to transaction payment processing using a card CrD (see transaction payment information described later) is touched by a user (for example, a store clerk or a customer). Input to TP and read card number and expiration date of card CrD. However, in the payment system in which the payment relay center device 5 has an EMV specification EMV level 2 IC credit card function, the card number and expiration date information of the card CrD are encrypted in the card CrD, and the transaction processing device Even if 1 is read, it cannot be decrypted and remains encrypted and can be decrypted by the settlement relay center device 5. In addition, the transaction processing apparatus 1 is a card that uses an EMV specification EMV level 2 IC credit card function with the settlement relay center apparatus 5 via the intranet NW1 and the Internet NW2 or the Internet NW2 in the online state ( IC credit card) Communication related to transaction settlement by CrD. On the other hand, the transaction processing device 1 is in an offline state with the settlement relay center device 5 via the external device 2 (the same applies to the external devices 2a and 2b) and the mobile phone network NW3 or the public phone network NW4. Communication related to transaction settlement processing by a card (IC credit card) CrD using an EMV specification EMV level 2 IC credit card function is performed. A specific configuration of the transaction processing apparatus 1 will be described with reference to FIG.

  The external devices 2, 2 a, 2 b are communication terminals (for example, smartphones, tablet terminals) having a portable casing that can be carried and capable of communicating data by wire or wirelessly, and are provided with layer 3 switches or routers 9. It is connected to transaction processing device 1 via. Further, the external devices 2, 2a, 2b perform transaction settlement processing in accordance with instructions from the transaction processing device 1 with the settlement relay center device 5 via the mobile phone network NW3 or the public telephone network NW4. Communicate about. The specific configuration of the external devices 2, 2a, 2b will be described with reference to FIG.

  The settlement relay center device 5 is sent from a third-party processor (that is, an issuer (card issuing company) or acquirer (a company that recruits member stores that handle specific card transactions and supervises sales information based on member store card transactions)). This is a server apparatus (settlement relay center) for settlement relay processing in a company that acts as a proxy for settlement processing from each member store in response to business consignment. The settlement relay center device 5 can decrypt the encrypted information of the card number and the expiration date read by the transaction processing device 1 or the external devices 2, 2a, 2b from the card CrD. The settlement relay center device 5 performs transaction settlement processing from the transaction processing device 1 or the external devices 2, 2a, 2b via the intranet NW1, the Internet NW2, the Internet NW2, the mobile phone network NW3, or the public telephone network NW4. In response to a request for credit inquiry or sales registration, the settlement center apparatus 6 is inquired about whether or not to make a credit decision, and further, the settlement center apparatus 6 is requested to perform sales registration processing.

  The settlement center device 6 is a settlement processing server device (settlement center) operated by, for example, an issuer or acquirer who has a member store contract directly with a member store. The settlement center device 6 sends the credit result or the credit inquiry judgment result or the sales registration processing result to the transaction processing device 1 or the external device via the settlement relay center device 5 in response to the judgment inquiry from the settlement relay center device 5. Responds to devices 2, 2a, 2b.

  FIG. 2 is a diagram illustrating an example of a hardware configuration of the transaction processing apparatus (parent device) 1 according to each embodiment. The transaction processing apparatus 1 shown in FIG. 2 includes a CPU (Central Processing Unit) 21, a magnetic card reader unit 23, a contact IC card reader / writer unit 25, a non-contact IC card reader / writer unit 27, and a loop antenna unit 29. A PINPADI / F unit 31, a key input unit 33, a touch input unit 35, a display unit 37, a printer I / F unit 39, a printer 41, a symbol reader I / F unit 43, and a symbol reader 45. A wired network I / F unit 47, a wide area wireless communication unit 49 to which a wide area wireless communication antenna 49A is connected, a local wireless communication unit 51 to which a local wireless communication antenna 51A is connected, and a flash ROM (Read Only Memory) 55 and a RAM (Random Access Memory) 57.

  The CPU 21 performs control processing for overall control of the operations of each unit of the transaction processing apparatus 1, data input / output processing with other units, data calculation (calculation) processing, and data storage processing. For example, the CPU 21 executes each process according to the code defined in the program according to the present invention, so that any one of the wired network I / F unit 47, the wide area wireless communication unit 49, and the local wireless communication unit 51 is performed in the online state. The settlement processing of transactions using the card CrD is performed with the settlement relay center device 5. In the offline state, the CPU 21 instructs the external devices 2, 2a, 2b via the local wireless communication unit 51 to perform transaction settlement processing using the card CrD. Details of other operations of the CPU 21 will be described later.

  The magnetic card reader unit 23 is disposed inside a slit (not shown) provided on the side of the housing of the transaction processing apparatus 1 and has a function of reading a magnetic stripe provided on a card (for example, an IC credit card) CrD. And reading various information registered in the card CrD from the read magnetic stripe and outputting it to the CPU 21.

  The contact-type IC card reader / writer unit 25 is provided in a contact-type IC card insertion slot (not shown) provided on the side surface of the housing of the transaction processing apparatus 1 (for example, the lower left side of the page with respect to the transaction processing apparatus 1 shown in FIG. 1). Card information recorded on a chip (not shown) in the contact IC card is read or written via an electrode of a contact IC card (for example, card CrD) that is arranged inside and inserted into the insertion slot. The card information read by the contact type IC card reader / writer unit 25 is input to the CPU 21.

  The non-contact IC card reader / writer unit 27 is connected to, for example, a loop antenna unit 29 arranged so as to be substantially parallel to the display unit 37 of the transaction processing apparatus 1, and is connected to a predetermined short-range wireless communication (for example, NFC (Near Field Communication)) is used to perform wireless communication with a card CrD (for example, an IC credit card) in a contactless manner, and read and write card information recorded on the card CrD. The card information read by the non-contact IC card reader / writer unit 27 is input to the CPU 21.

  The PINPADI / F unit 31 is connected to the PINPAD 7, which is a numeric keypad device used when, for example, the purchaser of the product inputs a PIN (Personal Identification Number) as an example of authentication information, and is input by the purchaser. The PIN information obtained is output to the CPU 21.

  The key input unit 33 is, for example, a push-type button provided on the housing of the transaction processing device 1. For example, the key input unit 33 is used for various information (for example, card brand) related to a card used for the payment process in the payment process or for the payment process. It is used for an input operation by a store clerk of various necessary information (for example, payment method, number of payments). The key input unit 33 may also be used when the owner of a card used for payment processing inputs a PIN.

  The touch input unit 35 has a function of detecting a touch input on the touch panel TP of the transaction processing apparatus 1.

  The display unit 37 is configured using, for example, an LCD (Liquid Crystal Display) or an organic EL (Electroluminescence), and has a function of controlling display on the touch panel TP of the transaction processing apparatus 1. In the present embodiment, the touch input unit 35 and the display unit 37 constitute the touch panel TP of the transaction processing apparatus 1.

  The printer I / F unit 39 acquires, for example, data of a predetermined slip (for example, a customer copy and a store copy) for indicating that the transaction settlement processing has been normally completed, and outputs the data to the printer 41.

  The printer 41 as an example of a printing unit is stored in the housing of the transaction processing apparatus 1 and uses predetermined coupon data (for example, customer coupons and store coupons) data output from the printer I / F unit 39. Prints a slip.

  The symbol reader I / F unit 43 acquires the encrypted data of the one-dimensional barcode or the two-dimensional barcode BD1 read by the symbol reader 45 (see FIG. 1) and outputs it to the CPU 21. Note that the CPU 21 decodes the data of the one-dimensional barcode or the two-dimensional barcode.

  The symbol reader 45 reads the one-dimensional barcode or the two-dimensional barcode and outputs data (encrypted information) related to the reading result to the symbol reader I / F unit 43.

  The wired network I / F unit 47 is connected to the Internet NW2 which is a wired network or the intranet NW1 of the store, and communicates with the settlement relay center device 5 via the Internet NW2, or via the intranet NW1 and the Internet NW2. Communication with the settlement relay center device 5.

  The wide area wireless communication unit 49 is connected to the wide area wireless communication antenna 49A, and is connected via a telephone line via an access point (not shown) uniquely developed by a company operating the Internet NW2 or the settlement relay center device 5. A wide area wireless communication channel (for example, WAN (Wide Area Network)). Communication in a wide area wireless communication path uses mobile communication such as W-CDMA (Wideband Code Division Multiple Access), UMTS (Universal Mobile Telecommunications System), CDMA (Code Division Multiple Access) 2000, LTE (Long Term Evolution), and the like. It may be done.

  The local wireless communication unit 51 is connected to the local wireless communication antenna 51A, and the external device 2 for introducing products installed in the store via a relay device such as a layer 3 switch or router 9 provided in the intranet NW1. , 2a, 2b, for example, has a function of performing wireless LAN communication. The local wireless communication unit 51 may perform communication other than wireless LAN communication (for example, Bluetooth (registered trademark) communication).

  The flash ROM 55 has a function of storing various data. The stored data includes, for example, program codes and data of applications (payment processing applications) used for payment processing with the payment relay center device 5, and applications related to various operations (respective business processing applications). Program code and data, and other programs and data for controlling each part of the transaction processing apparatus 1 may be used.

  The RAM 57 as an example of a storage unit is a memory used for temporarily storing processing data generated in the middle of arithmetic processing, for example, during arithmetic processing accompanying the operation of the CPU 21. For example, the RAM 57 temporarily stores transaction settlement information (see later) and the like transmitted from the external devices 2, 2a, 2b.

  FIG. 3 is a diagram illustrating an example of a hardware configuration of the external device (child device) 2 according to the first embodiment. Since the external devices 2, 2a and 2b shown in FIG. 1 have the same configuration, the external device 2 will be described below as an example. The external device 2 shown in FIG. 3 includes a CPU 22, a magnetic card reader unit 24, a contact IC card reader unit 26, a non-contact IC card reader / writer unit 28, a loop antenna unit 30, a key input unit 34, Touch input unit 36, display unit 38, wide area wireless communication unit 50 connected to wide area wireless communication antenna 50A, local wireless communication unit 52 connected to local wireless communication antenna 52A, flash ROM 56, RAM 58, The battery BT, the power supply unit 62, and the PINPAD unit 64 are included.

  The CPU 22 performs control processing for overall control of operations of each unit of the external device 2, data input / output processing with other units, data calculation (calculation) processing, and data storage processing. For example, CPU22 performs each process according to the code prescribed | regulated to the program which concerns on this invention, and according to the instruction | indication from the transaction processing apparatus 1 in the offline state, the wide area radio | wireless communication part 50 is sent from the transaction processing apparatus 1 It instructs the settlement relay center device 5 to transmit a settlement request including the transmitted transaction settlement information. Details of other operations of the CPU 22 will be described later.

  The magnetic card reader unit 24 is disposed inside a slit (not shown) provided on the side of the casing of the external device 2 and has a function of reading a magnetic stripe provided on a card (for example, an IC credit card) CrD. Then, various information registered in the card CrD is read from the read magnetic stripe and output to the CPU 22. The magnetic card reader unit 24 may not be provided in the external device 2.

  The contact-type IC card reader unit 26 is provided in a contact-type IC card insertion slot (not shown) provided on the side surface of the housing of the external device 2 (for example, the lower left side of the page with respect to the transaction processing device 1 shown in FIG. 1). The card information recorded on the chip (not shown) in the contact IC card is read or written via the electrode of the contact IC card (for example, card CrD) that is arranged and inserted into the insertion slot. The card information read by the contact IC card reader unit 26 is input to the CPU 22. Further, the contact IC card reader unit 26 may not be provided in the external device 2.

  The non-contact IC card reader / writer unit 28 is connected to, for example, a loop antenna unit 30 disposed so as to be substantially parallel to the display unit 38 of the external device 2 and uses predetermined short-range wireless communication (for example, NFC). Then, wireless communication is performed without contact with the card CrD (for example, an IC credit card), and card information recorded on the card CrD is read or written. The card information read by the non-contact IC card reader / writer unit 28 is input to the CPU 22. The non-contact IC card reader / writer unit 28 may not be provided in the external device 2.

  The key input unit 34 is, for example, a software keyboard displayed on the display unit 38 or a push-type button provided on the housing of the external device 2. For example, various types of information relating to a card used for the payment process at the time of the payment process (For example, a card brand) and various information necessary for settlement processing (for example, a payment method and the number of payments) are used for an input operation by a store clerk. The key input unit 34 may also be used when the owner of a card used for payment processing inputs a PIN.

  The touch input unit 36 has a function of detecting a touch input to the touch panel TP2 of the external device 2.

  The display unit 38 is configured using, for example, an LCD or an organic EL, and has a function of controlling display on the touch panel TP2 of the external device 2. In the present embodiment, the touch input unit 36 and the display unit 38 constitute a touch panel TP2 of the external device 2.

  The wide area wireless communication unit 50 is connected to the wide area wireless communication antenna 50A and performs wireless communication using a wide area wireless communication path (for example, WAN (Wide Area Network)) via the cellular phone network NW3 or the public telephone network NW4. It has a function. Communication in the wide area wireless communication path may be performed using mobile communication such as W-CDMA, UMTS, CDMA2000, LTE, and the like.

  The local wireless communication unit 52 is connected to the local wireless communication antenna 52A and communicates with the transaction processing device 1 deployed in the store via a relay device such as a layer 3 switch or router 9 deployed in the intranet NW1. For example, it has a function of wireless LAN communication. The local wireless communication unit 52 may perform communication other than wireless LAN communication (for example, Bluetooth (registered trademark) communication).

  The flash ROM 56 has a function of storing various data. The stored data includes, for example, program codes and data of applications (payment processing applications) used for payment processing with the payment relay center device 5, and applications related to various operations (respective business processing applications). Program code and data, and other programs and data for controlling each part of the external device 2 may be used.

  The RAM 58 as an example of a storage unit is a memory used for temporarily storing processing data generated in the middle of arithmetic processing, for example, during arithmetic processing accompanying the operation of the CPU 22. For example, the RAM 58 temporarily stores transaction settlement information (described later) transmitted from the transaction processing apparatus 1.

  The battery BT is a rechargeable secondary battery. The electric power stored in the battery BT is supplied to the power supply unit 62.

  The power supply unit 62 supplies power necessary for the operation of each unit to each unit of the external device 2 using the power supplied from the battery BT.

  The PINPAD unit 64 is a software keyboard in which a numeric keypad that is used when, for example, a purchaser of a product inputs a PIN (password) as an example of authentication information is displayed on the display unit 38. The PINPAD unit 64 may not be provided in the external device 2.

  FIG. 4 is a diagram illustrating an example of a software block configuration of the transaction processing devices 1 and 1a and the external devices 2 and 2c according to each embodiment. In FIG. 4, only a part of each unit shown in FIG. 2 is illustrated as hardware of the transaction processing apparatuses 1 and 1a, and not all hardware is illustrated. Similarly, only a part of each unit shown in FIG. 3 is illustrated as hardware of the external devices 2 and 2c, and not all hardware is illustrated.

  When the transaction processing apparatus 1 or 1 a executes an application installed in the transaction processing apparatus 1 or 1 a, one or more software modules (that is, applications) are executed on an OS (Operating Software) 91 that is basic software. The component parts) are operating together. In FIG. 4, for example, the software module includes an application BL1 that performs a payment procedure in the transaction processing devices 1 and 1a, an application BL2 that communicates with the payment relay center device 5 or the payment center device 6 and performs a payment procedure, and an external device. 2 includes an application BL3 that communicates with the second payment input application and a data communication library BL4.

  When the external device 2 or 2c executes an application installed in the external device 2 or 2c, the external device 2 or 2c links one or more software modules (that is, components constituting the application) on the OS 92 that is basic software. Is working. In FIG. 4, for example, the software module includes an application BL5 that performs input of payment information and communication with the application of the transaction processing device 1 or 1a (an application dedicated to payment input of the external device) BL5, another application BL6 of the external device 2, and data The communication library BL7 is included at least.

  In the present embodiment, since the transaction processing device 1 and the settlement relay center device 5 cannot directly communicate with each other in the offline state, information (transaction settlement information) necessary for settlement of the transaction according to the instruction FL1 from the transaction processing device 1 ) Is input or read, for example, in the external device 2 (see FIGS. 6 to 8). The external device 2 transmits a settlement request including transaction settlement information obtained by input or reading to the settlement relay center device 5. The transaction settlement information is information necessary for transaction settlement, for example, information input in the external device 2 (for example, brand information of the card CrD, transaction amount, payment method, number of payments, purchaser (customer) PIN) And information on the card number and expiration date of the card CrD read by the external device 2 (however, encrypted in the card CrD).

  FIG. 5 is a diagram illustrating an example of a connection path of the transaction processing apparatus 1, the external apparatuses 2, 2 a, 2 b and the settlement center apparatus 6 in the offline state. In FIG. 5, for example, all of the input ports of the settlement relay center device 5 corresponding to the intranet NW1, the Internet NW2, and the Internet NW2 are in an unusable state, and the transaction processing device 1 and the settlement relay center device 5 communicate with each other. If it is not possible, any of the input ports of the settlement relay center device 5 corresponding to the intranet NW1, the Internet NW2, and the Internet NW2 may be in an unusable state.

  In the offline state shown in FIG. 5, the details will be described with reference to FIGS. 6 to 9, but since the transaction processing device 1 and the settlement relay center device 5 cannot communicate directly, the transaction processing device 1 includes external devices 2, 2 a, 2b is instructed to transmit to the settlement relay center device 5 a settlement request including transaction settlement information obtained by input and reading in the transaction processing device 1 or the external devices 2, 2a, 2b. In response to an instruction from the transaction processing device 1, the external device 2 uses the wide area wireless communication path (that is, the mobile phone line network NW3 or the public telephone line network NW4) that can be used by the external device 2, and the transaction processing device 1 Alternatively, a settlement request including transaction settlement information obtained by input and reading in the external device 2 is transmitted to the settlement relay center device 5.

  Next, details of operation procedures of the transaction processing device 1 and the external device 2 of the transaction processing system 10 of the present embodiment will be described with reference to FIGS. FIG. 6 is an operation explanatory diagram illustrating a first example of the processing flow of the transaction processing apparatus 1 and the external apparatus 2 in the offline state according to the first embodiment. FIG. 7 is an operation explanatory diagram illustrating a first example of a processing flow of the transaction processing apparatus 1 and the external apparatus 2 in the offline state according to the first embodiment. FIG. 8 is an operation explanatory diagram illustrating a first example of the processing flow of the transaction processing apparatus 1 and the external apparatus 2 in the offline state according to the first embodiment. In the description of FIG. 7 and FIG. 8, the same step number is assigned to the same process as the description of FIG. 6, and the description is simplified or omitted.

  In FIG. 6, in the offline state, transaction processing apparatus 1 waits for acquisition of transaction settlement information obtained by input and reading in external apparatus 2.

  First, the CPU 22 of the external device 2 prompts the store clerk to read a card (for example, an IC credit card) to activate the payment processing application on the display unit 38 of the touch panel TP2 (card scan prompt). ) Is displayed.

  Thereafter, the store clerk performs an operation of inputting information on the transaction content to be processed for settlement on the touch panel TP2 while confirming with the customer. The CPU 22 detects these input operations via the touch input unit 36.

  After the prompt is displayed, either the contact IC credit card or the contactless IC credit card card brand displayed on the display unit 38 is selected by the input operation of the store clerk who uses the external device 2, and this selection is made. Information regarding the card brand is input to the CPU 22 (S1).

  Next, when the store clerk performs a reading operation of the IC credit card held by the customer, the contact type IC card reader unit 26 or the non-contact IC card reader / writer unit 28 records on the contact type IC credit card or the non-contact IC credit card. The read information is read (S2). However, as described above, the information read in step S2 (that is, the card number and expiration date information) is encrypted in the card CrD, and the CPU 22 cannot decrypt it. When the CPU 22 receives the encrypted information read by the contact-type IC card reader unit 26 or the non-contact IC card reader / writer unit 28, the CPU 22 displays an input screen for transaction details to be processed in the payment processing application on the touch panel TP2. It is displayed on the display unit 38.

  Subsequently, a transaction amount is input by an input operation of a store clerk, and information regarding the input transaction amount is input to the CPU 21 (S3). Further, a payment method (for example, one-time payment, installment payment, etc.) is selected, the number of payments is input, and information regarding the selected payment method and the input number of payments is input to the CPU 22 (S4).

  Since the card CrD used in the present embodiment is a contact type IC credit card or a contactless IC credit card, after the payment method and the information on the number of payments in step S4 are input, the customer responds to the instructions of the store clerk. Then, a PIN (password) is input to the PINPAD unit 64 (for example, a numeric keypad from “0” to “9”) displayed as a software keyboard on the display unit 38 of the touch panel TP2 (S5). Thereby, transaction settlement information in one transaction is obtained in the external device 2.

  The CPU 22 determines whether or not the transaction amount input in step S3 exceeds the transaction amount upper limit in the offline state defined in advance by the member store contract between the acquirer or issuer and the member store (store) ( S6). Information on the transaction amount upper limit (for example, the upper limit amount of 100,000 yen per transaction) is stored in, for example, the CPU 22 or the flash ROM 56, but may be appropriately updated according to the renewal of the member store contract. When the CPU 22 determines that the transaction amount upper limit is not exceeded, the transaction request is processed as a transaction request including transaction settlement information (that is, brand information, card number, expiration date, transaction amount, payment method, number of payments, PIN). It transmits to the apparatus 1 (S7). Thereafter, the external device 2 waits for reception of a print completion report from the transaction processing device 1.

  The transaction processing apparatus 1 receives the settlement request including the transaction settlement information transmitted in step S7 (S21), and may provide the settlement request including the transaction settlement information (in other words, credit inquiry processing and credit). If it is determined that, each request for sales registration processing) is transmitted to the settlement relay center device 5 via the external device 2 (S22). That is, in the transmission / reception process of the external device 2 shown in FIG. 9, the external device 2 sends a settlement request including transaction settlement information transmitted from the transaction processing device 1 (that is, the transaction processing device 1 sends the settlement relay center device 5 to the settlement relay center device 5. (Data to be transmitted) is received (S31), and the data received in step S31 is transmitted to the settlement relay center device 5 (S32). The settlement relay center device 5 transmits the data transmitted from the external device 2 to the settlement center device 6, and when the settlement is completed normally in the settlement center device 6 (that is, it is determined that there is no problem in the credit inquiry, the sales In the case of registration), the settlement relay center device 5 receives a response to that effect from the settlement center device 6 and responds (transfers) to the external device 2. As a result, the external device 2 can receive a response indicating that the payment is normally completed, and transfers the response indicating that the payment is normally completed to the transaction processing device 1 (S32). After this, the external device 2 deletes the data received in step 31 (see above) (S33).

  When the transaction processing device 1 receives a response from the external device 2 indicating that the payment has been successfully completed, the transaction processing device 1 prints a predetermined voucher (for example, a customer gift and a store gift) indicating that the payment has been successfully completed ( Printing) (S23), a print completion report indicating that the slip printing is completed is generated and transmitted to the external device 2 (S24).

  The external device 2 receives the voucher print completion report transmitted from the transaction processing device 1 (S8). The external device 2 receives transaction completion information printed on the voucher after receiving the voucher printing completion report (ie, brand information, card number, expiration date, transaction amount, payment method, number of payments, PIN). Is deleted (S9). If settlement of the transaction using the card CrD (IC credit card) continues (S10, NO), the process returns to step S1. On the other hand, when the settlement of the transaction using the card CrD (IC credit card) does not continue (S10, YES), the flow shown in FIG. 6 ends.

  Next, in FIG. 7, transaction settlement information is obtained by input and reading in the transaction processing apparatus 1. Specifically, first, the CPU 21 of the transaction processing apparatus 1 prompts the store clerk to read a card (for example, an IC credit card) in order to activate the payment processing application on the display unit 37 of the touch panel TP. Prompt (card scan prompt).

  Thereafter, the store clerk performs an operation of inputting information related to the transaction contents to be processed for settlement on the touch panel TP while confirming with the customer. The CPU 21 detects these input operations via the touch input unit 35.

  After the prompt is displayed, the card brand of the contact type IC credit card or the non-contact type IC credit card displayed on the display unit 37 is selected by the input operation of the store clerk who uses the transaction processing apparatus 1, and this Information regarding the selected card brand is input to the CPU 21 (S1).

  Next, when the store clerk performs the reading operation of the IC credit card held by the customer, the contact IC card reader / writer unit 25 or the non-contact IC card reader / writer unit 27 becomes a contact type IC credit card or a non-contact IC credit card. The recorded information is read (S2). However, as described above, the information read in step S2 (that is, the card number and expiration date information) is encrypted in the card CrD, and the CPU 21 cannot decrypt it. When the CPU 21 receives the encrypted information read by the contact IC card reader / writer unit 25 or the non-contact IC card reader / writer unit 27, the CPU 21 displays a transaction content input screen to be processed in the payment processing application on the touch panel TP. Are displayed on the display unit 37.

  Subsequently, a transaction amount is input by an input operation of a store clerk, and information regarding the input transaction amount is input to the CPU 21 (S3). Further, a payment method (for example, one-time payment, installment payment, etc.) is selected, the number of payments is input, and information regarding the selected payment method and the input number of payments is input to the CPU 22 (S4).

  Since the card CrD used in the present embodiment is a contact type IC credit card or a contactless IC credit card, after the payment method and the information on the number of payments in step S4 are input, the customer responds to the instructions of the store clerk. Then, a PIN (password) is input to PINPAD 7 (for example, a numeric keypad from “0” to “9”) displayed as a software keyboard on the display unit 37 of the touch panel TP (S5). Thereby, transaction settlement information in one transaction is obtained in the transaction processing apparatus 1.

  The CPU 21 determines whether or not the transaction amount input in step S3 exceeds the transaction amount upper limit in the offline state preliminarily defined by the member store contract between the acquirer or the issuer and the member store (store) ( S6). Information on the transaction amount upper limit (for example, the upper limit amount of 100,000 yen per transaction) is stored in, for example, the CPU 21 or the flash ROM 55, but may be appropriately updated according to the renewal of the member store contract. When the CPU 21 determines that the transaction amount upper limit is not exceeded, the settlement request (in other words, brand information, card number, expiration date, transaction amount, payment method, number of payments, PIN) (in other words, Each request of credit inquiry processing and sales registration processing when it is determined that credit may be given is transmitted to the settlement relay center device 5 via the external device 2 (S22).

  After step S22, the transaction processing apparatus 1 completes the printing of a predetermined slip, and then sets transaction settlement information related to the transaction printed on the slip (namely, brand information, card number, expiration date, transaction amount, payment method). , Payment count, PIN) is deleted (S9a). If settlement of the transaction using the card CrD (IC credit card) continues (S10, NO), the process returns to step S1. On the other hand, when the settlement of the transaction using the card CrD (IC credit card) does not continue (S10, YES), the flow shown in FIG. 7 ends.

  Next, in FIG. 8, transaction settlement information is obtained by input and reading in the transaction processing device 1 and input in the external device 2. In other words, the brand information of the card CrD input in step S1 shown in FIG. 6, the transaction amount input in step S3, and information regarding the payment method and the number of payments input in step S4 are stored in the CPU 22 of the external device 2. Entered.

  First, when the store clerk performs a reading operation of an IC credit card held by a customer, the transaction processing apparatus 1 uses a contact IC credit card or a non-contact in the contact IC card reader / writer unit 25 or the non-contact IC card reader / writer unit 27. The information recorded on the contact IC credit card is read (S2). However, as described above, the information read in step S2 (that is, the card number and expiration date information) is encrypted in the card CrD, and the CPU 21 cannot decrypt it. When the CPU 21 receives the encrypted information read by the contact IC card reader / writer unit 25 or the non-contact IC card reader / writer unit 27, the CPU 21 displays a screen for inputting the purchaser (customer) PIN in the payment processing application. It is displayed on the display unit 37 of the touch panel TP. The customer inputs a PIN (personal identification number) to PINPAD 7 (for example, a numeric keypad device from “0” to “9”) according to an instruction from the store clerk (S5).

  Further, in the external device 2, the CPU 22 sets the transaction amount upper limit under the offline state in which the transaction amount input in step S3 is preliminarily defined by the member store contract between the acquirer or issuer and the member store (store). It is determined whether or not it exceeds (S6). When the CPU 22 determines that the transaction amount upper limit is not exceeded, the CPU 22 transmits the input various information (that is, brand information, transaction amount, payment method, number of payments) to the transaction processing apparatus 1 (S7b). Thereafter, the external device 2 waits for reception of a print completion report from the transaction processing device 1.

  The transaction processing apparatus 1 receives various information (that is, information relating to the transaction amount, payment method, and number of payments) transmitted in step S7b (S21). Thereby, together with the information acquired in steps S2 and S5, transaction settlement information in one transaction is obtained in the external device 2.

  The processing from step S22 to step S24 is the same as that in FIG. The external device 2 receives the voucher print completion report transmitted from the transaction processing device 1 (S8). The external device 2 deletes some information (ie, brand information, transaction amount, payment method, number of payments) from the transaction settlement information related to the transaction printed on the slip after receiving the report on completion of printing the slip. (S9b). If settlement of the transaction using the card CrD (IC credit card) continues (S10, NO), the process returns to step S1. On the other hand, when the settlement of the transaction using the card CrD (IC credit card) does not continue (S10, YES), the flow shown in FIG. 6 ends.

  FIG. 10A to FIG. 10H are diagrams illustrating examples of various screens displayed on the external device 2. In order to simplify the description, each screen shown in FIGS. 10A to 10H will be described as being displayed on the external device 2, but the transaction processing device 1 as in the example shown in FIG. Or may be displayed on the external device 2 or the transaction processing device 1 as in the example shown in FIG. In this case, the corresponding screen is displayed in the corresponding processing shown in FIG. 7 or FIG.

  FIG. 10A shows a brand information selection screen WD1 of the card CrD, which is displayed on the display unit 38 in step S1 of FIG. FIG. 10B shows a display screen WD2 of the card number and expiration date of the card CrD, which is displayed on the display unit 38 in step S2 of FIG. However, in the present embodiment, the card number and the expiration date cannot be decrypted by the external device 2 or the transaction processing device 1 but can be decrypted by the settlement relay center device 5, so that the screen shown in FIG. 10B is encrypted. The card number and expiration date are displayed, or an asterisk (*) is displayed so that it cannot be seen by a third party.

  FIG. 10C shows a transaction amount input screen WD3 for a transaction using the card CrD, which is displayed on the display unit 38 in step S3 of FIG. FIG. 10D is an input screen WD4 for a payment method and the number of payments, and is displayed on the display unit 38 in step S4 of FIG. FIG. 10E shows a PIN input screen WD5, which is displayed on the display unit 38 in step S5 of FIG.

  FIG. 10F is a screen WD6 on which transaction settlement information (partial excerpt) is displayed in the transaction processing apparatus 1, and is displayed on the display unit 37 in step S22 of FIG. FIG. 10G is displayed on the display units 37 and 38 of the transaction processing apparatus 1 and the external apparatus 2 when the external apparatus 2 is transmitting a settlement request including transaction settlement information to the settlement relay center apparatus 5. This is a screen WD7. FIG. 10H is a transmission report display screen WD8 indicating that a settlement request including transaction settlement information has been transmitted to the settlement relay center apparatus 5.

  As described above, in the transaction processing system 10 of the present embodiment, the transaction processing device 1 is input by the external device 2 when communication between the transaction processing device 1 and the settlement relay center device 5 is disabled (offline state). Transaction settlement information including the brand information, transaction amount, payment method, number of payments, customer authentication information, card number read from the IC credit card, and expiration date of the received IC credit card to the external device 2 . When the external device 2 transmits the settlement request including the transaction settlement information transmitted from the transaction processing device 1 to the settlement relay center device 5, the external device 2 transmits a settlement request transmission completion report including the transaction settlement information to the transaction processing device 1. To do. When the transaction processing apparatus 1 receives the transmission completion report, the transaction processing apparatus 1 prints a predetermined slip (for example, a customer copy and a store copy regarding settlement of transactions using an IC credit card).

  Thereby, the transaction processing system 10 uses the payment relay center device 5 in the payment method in which information necessary for authentication of the IC credit card used for the payment processing is transmitted and received between the IC credit card and the payment relay center device 5. Even when an off-line state including when the line is unavailable or when a failure occurs, the external device 2 is used for communication between the transaction processing device 1 and the payment relay center device 5 to perform payment using an IC credit card. It can be done smoothly. Further, the transaction processing system 10 uses a magnetic credit card function that uses information recorded on the magnetic stripe of the IC credit card even in an offline state including when the line with the settlement relay center device 5 is unavailable or when a failure occurs. Since payment does not have to be used and payment using an IC credit card function can be used, it is possible to suppress deterioration of security for customer authentication information.

  In the transaction processing system 10, IC credit card brand information, transaction amount, payment method, number of payments, and customer authentication information are input by the external device 2, and the IC credit card card number and expiration date are stored in the external device. 2 is read from the IC credit card, and the transaction processing device 1 transmits a print completion report of a predetermined slip to the external device 2. After receiving the print completion report, the external device 2 deletes the IC credit card brand information, card number, expiration date, transaction amount, payment method, number of payments, and customer authentication information.

  Thereby, the transaction processing system 10 allows the external device 2 to make an alternative settlement of the transaction processing device 1 even when the line between the transaction processing device 1 and the settlement relay center device 5 is not available or is in an offline state including when a failure occurs. It can be temporarily used as a means (that is, a transaction settlement information input tool and a wide area wireless communication tool with the settlement relay center device 5). Furthermore, the transaction processing system 10 can delete the transaction settlement information remaining in the external device 2 by printing completion report of a predetermined slip indicating that the settlement of the transaction using the IC credit card has been normally completed. Even when a general-purpose application other than payment (for example, an e-mail application or a website browsing application) is used, it is possible to accurately ensure the security of the personal information of the customer who is the object of payment.

  In the transaction processing system 10, the IC credit card brand information, transaction amount, payment method, number of payments, and customer authentication information are input by the transaction processing apparatus 1, and the IC credit card card number and expiration date are After being read from the IC credit card by the processing device 1, the transaction processing device 1 prints a predetermined slip, then the IC credit card brand information, card number, expiration date, transaction amount, payment method, number of payments, and Delete customer authentication information.

  Thereby, the transaction processing system 10 allows the external device 2 to make an alternative settlement of the transaction processing device 1 even when the line between the transaction processing device 1 and the settlement relay center device 5 is not available or is in an offline state including when a failure occurs. It can be temporarily used as a means (that is, a wide area wireless communication tool with the settlement relay center device 5). Furthermore, since the transaction processing system 10 can delete the transaction settlement information remaining in the transaction processing device 1 by the print completion report of the predetermined slip indicating that the settlement of the transaction using the IC credit card has been normally completed, It is possible to accurately secure the security of the personal information of customers who have been subject to payment.

  In the transaction processing system 10, the IC credit card brand information, transaction amount, payment method, and number of payments are input by the external device 2, and customer authentication information is input by the transaction processing device 1. The card number and the expiration date are read from the IC credit card by the transaction processing device 1, and the transaction processing device 1 transmits a print completion report of a predetermined slip to the external device 2. After receiving the print completion report, the external device 2 deletes the IC credit card brand information, transaction amount, payment method, and number of payments.

  Thereby, the transaction processing system 10 allows the external device 2 to make an alternative settlement of the transaction processing device 1 even when the line between the transaction processing device 1 and the settlement relay center device 5 is not available or is in an offline state including when a failure occurs. It can be temporarily used as a means (that is, a part of transaction settlement information input tool and a wide area wireless communication tool with the settlement relay center device 5). Furthermore, the transaction processing system 10 can delete the transaction settlement information remaining in the external device 2 by printing completion report of a predetermined slip indicating that the settlement of the transaction using the IC credit card has been normally completed. Even when a general-purpose application other than payment (for example, an e-mail application or a website browsing application) is used, it is possible to accurately ensure the security of the personal information of the customer who is the object of payment.

  In addition, the transaction processing device 1 of the present embodiment allows the IC credit card brand information, card number, expiration date even when the communication between the transaction processing device 1 and the settlement relay center device 5 is disabled (offline state). When transaction settlement information including transaction amount, payment method, number of payments, customer authentication information is transmitted to the external device 2, and the external device 2 transmits a settlement request including transaction settlement information to the settlement relay center device 5, In response to a settlement request transmission completion report including transaction settlement information from the external device 2, a predetermined voucher (for example, a customer deduction and a store deduction relating to transaction settlement using an IC credit card) is printed.

  Thereby, the transaction processing apparatus 1 cannot use the line with the payment relay center apparatus 5 in the payment method in which information necessary for authentication of the IC credit card is transmitted and received between the IC credit card and the payment relay center apparatus 5. Even in an off-line state including when a trouble occurs or when a failure occurs, an IC credit card can be obtained with a thin client type simple device configuration by using the external device 2 for communication between the transaction processing device 1 and the settlement relay center device 5. You can make payments smoothly.

  In addition, the external device 2 of the present embodiment allows the IC credit card brand information, transaction amount, payment method, even when communication between the transaction processing device 1 and the settlement relay center device 5 is disabled (offline state). Transaction settlement information including the number of payments, customer authentication information, an IC credit card number, and an expiration date is transmitted to the transaction processing apparatus 1. The external device 2 sends a settlement request including transaction settlement information to the settlement relay center device 5 using wide area wireless communication between the external device 2 and the settlement relay center device 5 in response to an instruction from the transaction processing device 1. And transmits a settlement request transmission completion report including transaction settlement information to the transaction processing apparatus 1.

  As a result, the external device 2 can use not only general-purpose applications (e.g., mail application, website browsing application) other than payment, but also an alternative payment of the transaction processing device 1 related to payment of a transaction using an IC credit card. It can be temporarily used as a means (that is, a transaction settlement information input tool and a wide area wireless communication tool with the settlement relay center device 5).

(Second Embodiment)
FIG. 11 is a diagram illustrating an example of a system configuration of a transaction processing system 10A according to the second embodiment. In the description of FIG. 11, the same description as that of the transaction processing system 10 shown in FIG. 1 in the first embodiment is simplified or omitted, and different contents will be described. In the transaction processing system 10A shown in FIG. 11, a thin client transaction processing device 1a to which a symbol reader 45 (see FIG. 2) is connected and a payment center device 6 as an example of a predetermined payment destination device are connected to a network (intranet NW1). And the transaction processing device 1a and the portable external devices 2c, 2ca, 2cb are connected via a layer 3 switch or router (L3SW / RT) 9 provided in the intranet NW1. Yes. Further, the external devices 2c, 2ca, 2cb and the settlement center device 6 are connected via a mobile phone network NW3 or a public phone network NW4. Transaction processing apparatus 1 and symbol reader 45 are connected by, for example, a wired cable.

  The transaction processing device 1a is a thin client type payment terminal device, and information on various items related to transaction payment processing using a card CrD (refer to transaction payment information described later) is touched by a user (for example, a store clerk or a customer). Input to TP and read card number and expiration date of card CrD. In the present embodiment, the read card number and expiration date may be encrypted in the card CrD or may not be encrypted.

  The external devices 2c, 2ca, 2cb are communication terminals (for example, smartphones, tablet terminals) that have a portable case that can be carried and can communicate data by wire or wirelessly. Via the transaction processing apparatus 1a. The external devices 2c, 2ca, and 2cb relate to transaction settlement processing in accordance with instructions from the transaction processing device 1a with the settlement center device 6 via the mobile phone network NW3 or the public telephone network NW4. Communication may be performed. The specific configuration of the external devices 2, 2a, 2b will be described with reference to FIG.

  FIG. 12 is a diagram illustrating an example of a hardware configuration of the external devices (slave devices) 2c, 2ca, and 2cb according to the second embodiment. Since the external devices 2c, 2ca, and 2cb shown in FIG. 12 have the same configuration, the external device 2c will be described below as an example. The external device 2c shown in FIG. 12 has a configuration in which the PINPAD unit 64 is removed from the external device 2 shown in FIG. 3, and the other configuration is the same as that of the external device 2, and thus detailed description thereof is omitted. Further, as a difference from the external device 2 in the first embodiment, the external device 2 c of the present embodiment can communicate with the settlement center device 6.

  FIG. 13 is a diagram illustrating an example of connection paths of the transaction processing device 1a, the external devices 2c, 2ca, 2cb, and the settlement center device 6 in the offline state. In the description of FIG. 13, description of contents overlapping with those of FIG. 5 is simplified or omitted, and different contents are described. In FIG. 13, for example, all of the input ports of the settlement center device 6 corresponding to the intranet NW1, the Internet NW2, and the Internet NW2 are unusable, and communication between the transaction processing device 1a and the settlement center device 6 is not possible. If there is, any of the input ports of the settlement center device 6 corresponding to the intranet NW1, the Internet NW2, and the Internet NW2 may be in an unusable state.

  In the offline state shown in FIG. 13, the details will be described with reference to FIGS. 15 and 16, but the transaction processing device 1 a and the settlement center device 6 cannot communicate directly, and the transaction processing device 1 a includes external devices 2 c, 2 ca, 2 cb. The transaction settlement information (similar to the transaction settlement information of the first embodiment) input in step 1 is accumulated (tanked) in the transaction processing apparatus 1a, and the transaction settlement information is used between the transaction processing apparatus 1a and the card CrD. After performing conditional settlement (that is, offline settlement), a predetermined slip (that is, customer coupon and store coupon) is printed.

  In addition, transaction processing device 1a is connected to external device 2c. 2ca. 2cb may be instructed to transmit to the settlement center device 6 a settlement request including transaction settlement information obtained by input in the external devices 2c, 2ca, 2cb. In this case, the external devices 2c, 2ca, and 2cb can use the wide area wireless communication path (that is, the mobile phone network NW3 or the public telephone line) that can be used by the external devices 2c, 2ca, and 2cb in response to an instruction from the transaction processing device 1a A settlement request including transaction settlement information obtained by input in the external devices 2c, 2ca and 2cb is transmitted to the settlement center device 6 using the network NW4).

  Next, details of operation procedures of the transaction processing device 1a and the external device 2c of the transaction processing system 10A of the present embodiment will be described with reference to FIGS. FIG. 14 is an operation explanatory diagram illustrating an example of a processing flow of the transaction processing device 1a and the external device 2c in the normal online state according to the second embodiment. FIG. 15 is an operation explanatory diagram illustrating an example of a processing flow of the transaction processing apparatus 1a and the external apparatus 2c in the offline state according to the second embodiment. FIG. 16 is an operation explanatory diagram illustrating an example of a processing flow of the transaction processing apparatus 1a according to the second embodiment when the normal online state is restored. In the description of FIG. 14, the description overlapping the description of FIG. 6 corresponding to the first embodiment is simplified or omitted, and in the description of FIG. 15, the description of the overlapping contents of FIG. 14 is simplified or omitted. The different contents will be described.

  In FIG. 14, in the normal online state, the transaction processing device 1a waits for acquisition of transaction settlement information obtained by input in the external device 2c.

  In the external device 2c, when the store clerk performs a reading operation of the IC credit card held by the customer after step S1, the contact IC card reader unit 26 or the non-contact IC card reader / writer unit 28 The information recorded on the non-contact IC credit card is read and input to the CPU 22 (S2a). In step S2, information read in the same manner as in the first embodiment (that is, card number and expiration date information) is encrypted in the card CrD, but the CPU 22 may or may not be decrypted. . In FIG. 14, when a contact type IC credit card or a contactless IC credit card is not used but a magnetic credit card is used, the PIN input in step S5 is omitted.

  If the CPU 22 determines in step S6 that the transaction amount upper limit has not been exceeded, the transaction request includes a transaction request information (ie, brand information, card number, expiration date, transaction amount, payment method, number of payments) The data is transmitted to the processing device 1a (S7). If a PIN is input in step S5, the PIN is also transmitted to the transaction processing apparatus 1a because the transaction settlement information includes the PIN. Thereafter, the external device 2c waits for reception of a print completion report from the transaction processing device 1a.

  In the tanking process of the transaction processing device 1a shown in FIG. 15, the transaction processing device 1a receives a settlement request including transaction settlement information in step S21 (S21), and a settlement request including this transaction settlement information (in other words, credit inquiry) And when it is determined that credit can be given, each request for sales registration processing) is transmitted to the settlement center device 6 (S22a). As a result, if it is determined that there is no problem in the credit inquiry, the sales registration process is executed, and the settlement center device 6 transmits a response to the effect that the sales registration has been executed to the transaction processing apparatus 1a.

  When the transaction processing device 1a receives a response indicating that the sales registration has been executed from the settlement center device 6, the transaction processing device 1a prints (prints) a predetermined slip (for example, a customer copy and a store copy) indicating that the sales registration has been executed. (S23), a print completion report indicating that the slip printing is completed is generated and transmitted to the external device 2 (S24). When a magnetic credit card is used, the transaction processing apparatus 1a also prints a signature slip for having the customer's signature (signature) entered in step S24.

  The operation of the external device 2c after the voucher print completion report is transmitted from the transaction processing device 1a is the same as that in FIG.

  Next, in FIG. 15, even in the offline state, the transaction processing device 1a waits for acquisition of transaction settlement information obtained by input in the external device 2c.

  Processing for inputting each piece of transaction settlement information in the external device 2c (steps S1 to S5), determination of whether or not the transaction amount upper limit in step S6 has been exceeded, and the settlement request including the transaction settlement information in step S7 Each process up to the transmission is the same as that shown in FIG.

  The transaction processing device 1a receives the settlement request including the transaction settlement information in step S21 (S21), but because it is offline, it tanks the transaction settlement information included in the settlement request transmitted from the external device 2c (S31). ), A conditional settlement using transaction settlement information (that is, offline settlement) is performed between the transaction processing apparatus 1a and the card CrD (S31). The processing of transaction processing device 1a and external device 2c after step S31 is the same as the processing after step S23 of FIG.

  In the line restoration process of the transaction processing device 1a shown in FIG. 16, when the offline state is restored to the normal online state (S41, YES), the transaction processing device 1a performs the transaction settlement information (that is, the branding) tanked in step S31. A settlement request including information, card number, expiration date, transaction amount, payment method, number of payments (and PIN if necessary) is transmitted to the settlement center device 6 for sales registration (S42).

  When the sales registration is performed in the settlement center device 6, the transaction processing device 1a receives a response indicating that the sales registration has been executed from the settlement center device 6 (S43). When the transaction processing apparatus 1a receives the response indicating that the sales registration has been executed, the transaction processing apparatus 1a deletes the transaction settlement information for which the sales registration has been completed (S44).

  FIGS. 17A and 17B are diagrams showing examples of various screens displayed on the transaction processing apparatus 1a when the normal online state is restored. FIG. 17A shows the display unit while the transaction processing apparatus 1a transmits a settlement request including transaction settlement information tanked in the offline state to the settlement center apparatus 6 after the offline state is restored to the normal online state. 37 is a screen WD11 displayed on the screen 37. FIG. 17B is a screen WD12 displayed on the display unit 37 when a settlement request including the tanked transaction settlement information is transmitted to the settlement center device 6.

  As described above, in the transaction processing system 10A of the present embodiment, the external device 2c allows the transaction settlement including the brand information, card number, expiration date, transaction amount, payment method, and number of payments of the input card (for example, IC credit card). The information is transmitted to the transaction processing device 1a, and the transaction processing device 1a receives the transaction settlement information transmitted from the external device 2c, and transmits a settlement request including the received transaction settlement information to the settlement center device 6. The transaction processing device 1a prints a predetermined slip when a settlement request including transaction settlement information is transmitted to the settlement center device 6.

  As a result, the transaction processing system 10 </ b> A enables the transaction processing device 1 and the settlement relay center even when the number of transaction processing devices 1 a installed in the store cannot sufficiently handle the card payment processing of the customer (customer). By using the external device 2 for communication with the device 5, payment using an IC credit card can be performed smoothly, and a long waiting time for the customer's card payment can be avoided. Therefore, the transaction processing system 10A can effectively suppress a decrease in sales opportunities to customers, and can reduce both a decrease in store sales and a decrease in revenue based on the acquirer's commission rate.

  In transaction processing system 10A, transaction processing device 1a transmits a print completion report of a predetermined slip to external device 2c. After receiving the print completion report, external device 2c receives the card brand information and card number. , Delete expiration date, transaction amount, payment method, number of payments.

  Thereby, the transaction processing system 10A can delete the transaction settlement information remaining in the external device 2 by printing completion report of a predetermined slip indicating that the settlement of the transaction using the card has been normally completed. Even when using a general-purpose application (for example, an e-mail application or a web site browsing application) other than the above, it is possible to accurately ensure the security for the personal information of the customer who is the object of settlement.

  Further, in the transaction processing system 10A, the transaction processing device 1a accumulates transaction settlement information in the transaction processing device 1a when the communication between the transaction processing device 1a and the settlement center device 6 is disabled, After performing conditional settlement (that is, offline settlement) using transaction settlement information between the processing device 1a and the card, a predetermined slip is printed.

  Accordingly, the transaction processing system 10A performs offline payment between the transaction processing device 1a and the card even in an offline state including when the line between the transaction processing device 1a and the settlement center device 6 is not available or when a failure occurs. Settlement process.

  Further, in the transaction processing system 10A, the transaction processing device 1a, when the communication between the transaction processing device 1a and the settlement center device 6 is restored to the online state, makes a conditional settlement using the accumulated transaction settlement information ( In other words, the payment center apparatus 6 is requested to register sales for offline payment.

  As a result, when the communication between the transaction processing device 1a and the settlement center device 6 is restored to the online state, the transaction processing system 10A performs the offline registration sales registration processing performed in the offline state. Can be done.

  Further, the transaction processing device 1a of the present embodiment acquires transaction settlement information including the card brand information, card number, expiration date, transaction amount, payment method, and number of payments input by the portable external device 2c. The settlement request including the acquired transaction settlement information is transmitted to the settlement center device 6 that is the settlement connection destination of the transaction using the card. The transaction processing device 1a prints a predetermined slip when a settlement request including transaction settlement information is transmitted to the settlement center device 6.

  As a result, the transaction processing device 1a and the transaction center device can be used even if the number of transaction processing devices 1a deployed in the store cannot sufficiently handle the card payment processing of the customer (customer). The external device 2 is used for communication with the customer 6 so that payment using an IC credit card can be performed smoothly, a predetermined slip indicating that the payment has been normally completed can be printed, and customer card payment can be made. The waiting time can be avoided.

  Further, the external device 2c of the present embodiment transmits transaction settlement information including the card brand information, card number, expiration date, transaction amount, payment method, and number of payments to the transaction processing device 1a. When a settlement request including settlement information is transmitted to the settlement center device 6, a print completion report of a predetermined slip printed by the transaction processing device 1a is received.

  As a result, the external device 2c can use not only general-purpose applications other than payment (for example, mail application, website browsing application) but also transaction processing apparatus 1a related to transaction payment using a card (for example, IC credit card). It can be temporarily used as an alternative settlement means (that is, a transaction settlement information input tool and a wide area wireless communication tool with the settlement center device 6).

  As mentioned above, although various embodiment was described with reference to drawings, it cannot be overemphasized that this indication is not limited to this example. It will be apparent to those skilled in the art that various changes and modifications can be made within the scope of the claims, and these are naturally within the technical scope of the present disclosure. Understood.

  In the above-described embodiment, payment processing using a credit card (more specifically, a magnetic credit card, a contact IC credit card, or a non-contact IC credit card) has been described as an example of the purchaser's card transaction. However, the present invention is not limited to payment processing using a credit card, and may be applied to payment processing using, for example, a debit card, electronic money, a prepaid card, a postpay card, a point card, an electronic coupon, or an electronic gift certificate.

  In the payment method in which information necessary for authentication of a card used for payment processing is transmitted and received between the card and the payment destination device, the present invention detects when a line with the payment destination device is unavailable or when a failure occurs. Even in an offline state, it is useful as a transaction processing system, transaction processing method, transaction processing device, transaction communication terminal, and program that suppresses deterioration of security with respect to authentication information and smoothly performs settlement using a card.

  In addition, the present invention provides the transaction processing device 1 and the payment relay center device 5 even when the number of transaction processing devices 1a deployed in the store cannot sufficiently handle the customer's (customer) card payment processing. Transaction processing system, transaction processing method, transaction processing device, which can smoothly perform settlement using an IC credit card and avoid a prolonged waiting time for customer card settlement, by using the external device 2 for communication between It is useful as a transaction communication terminal and program.

1 Transaction processing device (master unit)
2, 2a, 2b, 2c, 2ca, 2cb External device (slave unit)
5 Settlement relay center device 6 Settlement center device 7 PINPAD
9 Layer 3 switch or router (L3SW / RT)
21, 22 CPU
23, 24 Magnetic card reader unit 25 Contact type IC card reader / writer unit 26 Contact type IC card reader unit 27, 28 Non-contact IC card reader / writer unit 29, 30 Loop antenna unit 31 PINPADI / F unit 33, 34 Key input unit 35 , 36 Touch input unit 37, 38 Display unit 39 Printer I / F unit 41 Printer 43 Symbol reader I / F unit 45 Symbol reader 47 Wired network I / F unit 49, 50 Wide area wireless communication unit 49A, 50A Wide area wireless communication antenna 51 , 52 Local wireless communication unit 51A, 52A Local wireless communication antenna 53 POSI / F unit 55, 56 Flash ROM
57, 58 RAM
62 Power supply unit 64 PINPAD unit BDR Symbol reader BT Battery NW1 Intranet NW2, NW5 Internet NW3 Mobile phone network NW4 Public phone network TP, TP2 Touch panel

Claims (9)

Card number, between the settlement SakiSo location is settled destination of transactions using the IC card that holds the expiration date, have rows connections for settlement of transactions using the IC card, said by the payment destination device A thin client transaction processing device that performs settlement of the transaction with the settlement destination device by authentication of the IC card ;
Connectable to said transaction processing equipment, the brand information of the IC card, the card number, the expiration date, transaction amount, payment method, payment number is input, and a transaction communication terminal portable,
The transaction communication terminal transmits brand information of the input the IC card, the card number, the expiration date, transaction amount, payment method, the transaction settlement information including the number of payments in the transaction processing apparatus,
The transaction processing device receives the transaction settlement information transmitted from the transaction communication terminal, transmits a settlement request including the received transaction settlement information to the settlement destination device,
The transaction processing device prints a customer allowance and a store allowance when a settlement request including the transaction settlement information is transmitted to the settlement destination device.
Transaction processing system. The transaction processing system according to claim 1,
The transaction processing device transmits a print completion report of the customer copy and store copy to the transaction communication terminal,
After receiving the printing completion report, the transaction communication terminal deletes the IC card brand information, card number, expiration date, transaction amount, payment method, number of payments,
Transaction processing system. The transaction processing system according to claim 1,
The transaction processing device includes a storage unit, and stores direct transaction settlement information in the storage unit when direct communication between the transaction processing device and the payment destination device is disabled, and the IC card After performing conditional settlement using the transaction settlement information between and the customer print and store copy ,
Transaction processing system. The transaction processing system according to claim 3,
The transaction processing device, when direct communication between the transaction processing device and the settlement destination device is enabled, sales registration of conditional settlement using the transaction settlement information stored in the storage unit Requesting the payment destination device,
Transaction processing system. A Thin Client transaction apparatus and transaction processing method in the portable transaction processing system transaction and a communication terminal is connected to,
The transaction processing apparatus is configured to authenticate the IC card by the settlement destination apparatus with a settlement destination apparatus that is a settlement connection destination of a transaction using an IC card having a card number and an expiration date. Settlement of the transaction with
The transaction communication terminal, brand information of the IC card to be used in the settlement of the transaction, the card number, the expiration date, transaction amount, payment method, the transaction settlement information including the number of payments is input,
The transaction communication terminal sends the transaction settlement information inputted to the transaction processor,
The transaction processing apparatus receives the transaction payment information transmitted from the transaction communication terminal, sends a payment request including the transaction settlement information received in the payment destination device,
The transaction processor, when transmitting a payment request including the transaction settlement information to the payment destination device, that can be printed the customer copy and store copy,
Transaction processing method. Card number, between a payment destination of the transaction settlement destination device using the IC card that holds the expiration date, have rows connections for settlement of transactions using the IC card, the IC by the payment destination device the card authentication of a first communication unit intends row settlement of the transaction between the payment destination device,
A second communication unit for communicating with a portable transaction communication terminal;
And the transaction the card brand information entered by the communication terminal, the card number, the expiration date, transaction amount, payment method, get the transaction settlement information including the number of payments acquisition unit,
A printing section for printing a customer copy and a store copy ,
The first communication unit transmits a payment request including the transaction payment information acquired by the acquisition unit to the payment destination device,
The printing unit prints the customer allowance and the store allowance when a settlement request including the transaction settlement information is transmitted to the settlement destination device.
Transaction processing device. Card number, between a payment destination of the transaction settlement destination device using the IC card that holds the expiration date, have rows connections for settlement of transactions using the IC card, the IC by the payment destination device the card authentication, between the row intends transaction apparatus settlement of the transaction between the payment destination device, a third communication unit for communicating,
Brand information of the IC card, the card number, the expiration date, a transaction amount, payment method, an input unit for transaction settlement information including the number of payments is input, the,
The third communication unit transmits the transaction settlement information input by the input unit to the transaction processing device, and a settlement request including the transaction settlement information is transmitted from the transaction processing device to the settlement destination device. Receiving a report of completion of printing of the customer copy and the store copy printed by the transaction processing device,
Transaction communication terminal. To a transaction processing device that is a computer,
The settlement of the transaction with the settlement destination device by authentication of the IC card by the settlement destination device that is the settlement connection destination of the transaction using the IC card holding the card number and the expiration date;
Brand information of the IC card to be used in the settlement of the transaction, the card number, the expiration date, transaction amount, payment method, the transaction settlement information including the number of payments, the transaction processing apparatus capable of communicating with a portable transaction communication Obtaining from the terminal;
Sending a payment request including the transaction settlement information, before Kike' Sumisaki device,
When a payment request including the transaction payment information is transmitted to the payment destination device, a step of printing a customer copy and a store copy is realized.
program. To a portable transaction communication terminal that is a computer,
Step of inputting transaction settlement information including IC card brand information, card number, expiration date, transaction amount, payment method, and number of payments used for transaction settlement;
The transaction settlement information inputted, have line connections related settlement of transactions using the IC card between said a payment destination of transactions using the IC card settlement destination apparatus, wherein by the payment destination device the authentication of the IC card, and transmitting the settlement of the transaction to the row intends transaction apparatus between the payment destination device,
When a settlement request including the transaction settlement information is transmitted from the transaction processing apparatus to the settlement destination apparatus, a step of receiving a customer copy and store copy print completion report printed by the transaction processing device is realized. To make
program.

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