JP6103510B2 - Transaction processing system, transaction processing method, transaction processing apparatus, transaction communication terminal, and program - Google Patents

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 apparatus transmits the tanked transaction information to the settlement destination apparatus 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

  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. The IC credit card authentication (for example, PIN verification) is performed not by the transaction processing apparatus but by the settlement destination apparatus. 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.

  In order to solve the above-described problems, the present invention provides a payment method 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. Transaction processing system, transaction processing method, transaction processing device, transaction communication terminal, and program for smoothly performing payment using a card by suppressing deterioration of security for authentication information even in an offline state including when it cannot be used or when a failure occurs The purpose is to provide.

  The present invention relates to a transaction processing apparatus that performs a connection related to transaction settlement using the IC card between a settlement destination apparatus that is a settlement connection destination of a transaction using an IC card and the settlement destination apparatus, and the transaction A transaction communication terminal that can be connected to the processing device and the payment destination device, and makes a connection related to the payment of the transaction using the IC card with the payment destination device. When the communication between the processing device and the payment destination device is in an impossible state, any one of the input payment information is transmitted to the transaction terminal device for each of a plurality of different payment information input processes related to the transaction. Further, the settlement processing request including any one of the settlement information input in the final input processing is transmitted to the transaction communication terminal, and the transaction communication terminal transmits the settlement received from the transaction processing device. When the information is transmitted to the settlement destination device, a screen for prompting input of the settlement information corresponding to the next input processing is transmitted to the transaction processing device, and the settlement processing request transmitted from the transaction processing device is transmitted. When transmitted to the settlement destination device, the settlement completion report transmitted from the settlement destination device is transmitted to the transaction processing device, and the transaction processing device receives the settlement completion report when receiving the settlement completion report. It is a transaction processing system that prints votes.

  The present invention also relates to a transaction processing method in a transaction processing system in which a payment destination device, a thin client transaction processing device and a transaction communication terminal are connected, and communication between the transaction processing device and the payment destination device. The transaction processing device makes a connection for settlement of the transaction using the IC card with the settlement destination device that is a settlement connection destination of the transaction using the IC card, and the transaction processing device When the communication between the processing device and the settlement destination device is in an impossible state, the transaction processing device receives any of the input settlement information for each of a plurality of different settlement information input processes related to the transaction. When the transaction communication terminal transmits the payment information transmitted from the transaction processing device to the payment destination device, the transaction communication terminal transmits the payment information corresponding to the next input process. The transaction processing device transmits a payment processing request including any of the payment information input in the final input processing to the transaction communication terminal, When the transaction communication terminal transmits the settlement processing request transmitted from the transaction processing device to the settlement destination device, the transaction communication terminal transmits a settlement completion report transmitted from the settlement destination device to the transaction processing device, The transaction processing apparatus is a transaction processing method for printing a slip relating to the transaction when the settlement completion report is received.

  In addition, the present invention provides a first communication unit that performs connection related to transaction settlement using the IC card with a settlement destination device that is a settlement connection destination of a transaction using an IC card, the settlement destination device, A second communication unit that communicates with a transaction communication terminal that performs a connection related to transaction settlement using the IC card, and a plurality of different settlement information related to the transaction via the second communication unit. An acquisition unit that acquires the transaction information, and a printing unit that prints a slip relating to the transaction, wherein the second communication unit is in a state in which communication between the first communication unit and the payment destination device is not possible. , Each time the payment information is input, the payment processing request is transmitted to the transaction communication terminal, and further includes the payment information input in the final input processing. To the transaction communication terminal, When the payment information is transmitted to the payment destination device, the second communication unit receives a screen that prompts input of the payment information corresponding to the next input process, and the printing unit receives the second information The transaction processing apparatus prints a slip on the transaction when the communication settlement completion report is received by the communication unit.

  In addition, the present invention provides a third communication unit that performs a connection related to transaction settlement using the IC card with a settlement destination device that is a settlement connection destination of a transaction using an IC card, and the settlement destination device. A fourth communication unit that performs communication with a transaction processing device that performs connection related to transaction settlement using the IC card, and an input unit that receives a plurality of different settlement information regarding the transaction. The third communication unit is input by the input unit for each of a plurality of different payment information input processes related to the transaction when communication between the transaction processing device and the payment destination device is disabled. Any one of the payment information is transmitted to the payment destination apparatus, and further, a payment processing request including any of the payment information input in the final input process is transmitted to the payment destination apparatus, and the fourth The communication department When the settlement information transmitted from the processing device is transmitted to the settlement destination device, a screen for prompting input of the settlement information corresponding to the next input processing is transmitted to the transaction processing device, and the transaction processing device A transaction communication terminal that transmits a settlement completion report transmitted from the settlement destination device to the transaction processing device when the transmitted settlement processing request is transmitted to the settlement destination device.

  In addition, the present invention provides a transaction processing apparatus, which is a computer, in a state where communication between the transaction processing apparatus and a settlement destination apparatus that is a settlement connection destination of a transaction using an IC card is possible. When the communication between the transaction processing device and the payment destination device is not possible, a plurality of different pieces of payment information related to the transaction are input. For each process, when any of the input payment information is transmitted to a transaction communication terminal that communicates with the payment destination device, and the payment information is transmitted to the payment destination device, Receiving a screen for prompting input of the settlement information corresponding to the input process, transmitting a settlement process request including any of the settlement information input in the final input process to the transaction communication terminal, and receiving the settlement process request In When receiving the settlement completion report Flip was, to print the copy form relating to the transaction, for implementing the respective processing, a program.

  In addition, the present invention is in a state in which communication between a transaction processing device that performs connection related to transaction settlement using an IC card and a settlement destination device that is a settlement connection destination of the transaction is disabled in a transaction communication terminal that is a computer In this case, for each input process of a plurality of different payment information related to the transaction, any of the input payment information is transmitted to the payment destination device, and any of the payment information input in the final input process When the payment processing request including the following information is transmitted to the payment destination apparatus and the payment information transmitted from the transaction processing apparatus is transmitted to the payment destination apparatus, the payment information corresponding to the next input process is input. When the screen for prompting is transmitted to the transaction processing apparatus and the settlement processing request transmitted from the transaction processing apparatus is transmitted to the settlement destination apparatus, the settlement completion transmitted from the settlement destination apparatus is completed. Sending a tell to the transaction processing unit, for realizing the respective processing a program.

  In addition, the present invention provides a transaction processing apparatus that performs connection related to transaction settlement using the card between a settlement destination apparatus that is a settlement connection destination of a transaction using a card and the settlement destination apparatus, and the transaction A transaction communication terminal that can be connected to the processing device and the payment destination device, and that makes a connection related to transaction payment using the card with the payment destination device, and the transaction communication terminal relates to the transaction For each input process of a plurality of different payment information, any of the input payment information is transmitted to the transaction processing device, and further includes a payment process including any of the payment information input in the final input process The transaction processing device transmits a request to the transaction processing device, and the transaction processing device transmits the settlement information transmitted from the transaction communication terminal to the settlement destination device, and determines the decision corresponding to the next input processing. When a screen prompting input of information is transmitted to the transaction communication terminal and the settlement processing request transmitted from the transaction communication terminal is transmitted to the settlement destination device, a settlement completion report transmitted from the settlement destination device is transmitted. It is a transaction processing system which transmits to the transaction communication terminal and further prints a slip relating to the transaction.

The present invention is also a transaction processing method in a transaction processing system in which a settlement destination device, a transaction processing device, and a transaction communication terminal are connected, wherein the transaction communication terminal includes a plurality of different pieces of settlement information related to a transaction using a card. For each input process, any one of the input settlement information is transmitted to the transaction processing apparatus, and the transaction processing apparatus transmits the settlement information transmitted from the transaction communication terminal to the settlement destination apparatus. A screen for prompting input of the settlement information corresponding to the next input process is transmitted to the transaction communication terminal, and the transaction communication terminal further selects any one of the settlements input in the final input process. When a payment processing request including information is transmitted to the transaction processing device, the transaction processing device transmits the payment processing request transmitted from the transaction communication terminal to the payment destination device. Sending the transmitted settlement completion report from the payment destination device to the transaction communication terminal, further, printing a copy vote regarding the transaction, a transaction processing method.

  In addition, the present invention communicates between a first communication unit that performs connection related to transaction settlement and a portable transaction communication terminal with a settlement destination device that is a settlement connection destination of a transaction using a card. A second communication unit for performing a transaction, an acquisition unit for acquiring a plurality of different settlement information regarding the transaction input by the transaction communication terminal via the second communication unit, and a printing unit for printing a coupon for the transaction The first communication unit transmits any of the input payment information to the payment destination device for each input process of the payment information, and is further input in the final input process. The settlement processing request including any of the settlement information is transmitted to the settlement destination device, and the second communication unit responds to the next input process when the settlement information is transmitted to the settlement destination device. A screen prompting you to enter the payment information And Shin, the printing unit, when the settlement completion report of the transaction by the first communication unit is received, printing the copy form relating to the transaction, a transaction processor.

  In addition, the present invention provides a third communication unit that performs communication with a transaction processing device that performs connection related to payment of a transaction using a card, and an input unit that receives a plurality of different payment information regarding the transaction, A display unit that displays a screen that prompts input of the payment information, and the third communication unit is configured to input any one of the input units input by the input unit for each of a plurality of different payment information input processes related to the transaction. The settlement information is transmitted to the transaction processing device, and the display unit transmits the settlement information via the transaction processing device when the settlement information is transmitted by the transaction processing device to a settlement destination device that is a settlement connection destination of the transaction. A screen for prompting input of the payment information corresponding to the next input process transmitted from the payment destination apparatus is displayed, and the third communication unit receives any of the payments input in the final input process. information A settlement processing request including the transaction processing device is transmitted to the transaction processing device, and further transmitted from the settlement destination device via the transaction processing device when the transaction processing device transmits the settlement processing request to the settlement destination device. And a transaction communication terminal that instructs the transaction processing device to print a coupon for the transaction in response to a settlement completion report regarding the settlement of the transaction.

  Further, the present invention provides a transaction connection destination of the transaction for any one of a plurality of different payment information input processes relating to a transaction using a card to a transaction processing apparatus that is a computer. When receiving a screen that is transmitted to the settlement destination device and prompts the input of the settlement information corresponding to the next input process transmitted from the settlement destination device, the input of the settlement information to the screen is portable. The transaction communication terminal is sent to the settlement destination apparatus, and a settlement completion report of the transaction transmitted from the settlement destination apparatus is transmitted to the settlement destination apparatus including any of the settlement information input in the final input process. Is a program for realizing the respective processes of printing a voucher relating to the transaction.

  Furthermore, the present invention connects to the transaction communication terminal, which is a computer, any one of the input payment information for each of a plurality of different payment information input processes related to a transaction using a card. A screen for prompting input of the settlement information corresponding to the next input processing when the settlement information is transmitted to the transaction processing apparatus and the settlement information is transmitted to the settlement destination apparatus that is a settlement connection destination of the transaction by the transaction processing apparatus. And the settlement processing request including any of the settlement information input in the final input process is transmitted to the transaction processing device, and the settlement processing request is transmitted to the settlement destination device by the transaction processing device. The transaction processing device is instructed to print a coupon for the transaction in response to a settlement completion report regarding the settlement of the transaction transmitted from the settlement destination device. For realizing the process of respectively a program.

  According to the present invention, in a payment method 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, when a line with the payment destination device is unavailable or a failure occurs. Even in an offline state including time, it is possible to suppress the deterioration of the security for the authentication information, and the settlement using the card can be performed smoothly.

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 The figure which shows an example of the block configuration of the software of the transaction processing apparatus and external apparatus of 3rd 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 payment relay center apparatus Operation explanatory diagram illustrating a first example of a processing flow of an external device as an input device for payment information in the offline state according to the third embodiment The flowchart explaining an example of the operation | movement procedure of communication between the transaction processing apparatus which relayed the external apparatus, and the settlement relay center apparatus. Operation explanatory drawing explaining an example of the processing flow of the external apparatus as a relay apparatus of the payment information in the offline state of 3rd Embodiment Flowchart explaining an example of printing (printing) processing in transaction processing apparatus Operation explanatory diagram for explaining a second example of the processing flow of the external device as the payment information input device in the offline state of the third embodiment Operation explanatory diagram for explaining a third example of the processing flow of the external device as the payment information input device in the offline state of the third embodiment The figure which shows an example of the connection path | route of the transaction processing apparatus of the normal online state of 4th Embodiment, an external device, and a payment relay center apparatus. The figure which shows an example of the connection path | route of the transaction processing apparatus of the offline state of a 4th Embodiment, an external device, and a payment relay center apparatus. The figure which shows an example of the block configuration of the software of the transaction processing apparatus and external apparatus of 4th Embodiment Operation explanatory diagram illustrating an example of a processing flow of the external device in the normal online state according to the fourth embodiment Operation explanatory drawing explaining an example of the processing flow of the transaction processing apparatus of the normal online state of 4th Embodiment Operation explanatory drawing explaining an example of the processing flow of the external apparatus as an input apparatus of the payment information in the offline state of 4th Embodiment The flowchart explaining an example of the operation | movement procedure of communication between a transaction processing apparatus and a payment relay center apparatus. Operation explanatory drawing explaining an example of the processing flow of the external apparatus as a relay apparatus of the payment information in the offline state of 4th Embodiment The figure which shows an example of the connection path | route of a transaction processing apparatus and an external device in case tanking processing is performed in an extended offline state The figure which shows an example of the connection path | route of the transaction processing apparatus after returning to a normal online state, an external device, and a payment relay center apparatus The figure which shows an example of the block configuration of the software of a transaction processing apparatus and an external apparatus when a tanking process is performed in the offline state of 4th Embodiment The flowchart explaining an example of the operation | movement procedure of an external device and a transaction processing apparatus in case a tanking process is performed in the extended offline state of 4th Embodiment. The flowchart explaining an example of the operation | movement procedure of the transaction processing apparatus when a tanking process is performed in the extended offline state of 4th Embodiment.

  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 apparatus 1. 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 to it. 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 (transmits) to the external device 2. As a result, the external device 2 can receive a response indicating that the payment is normally completed, and transmits a 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).

(Background to the second embodiment)
Next, before explaining an example of the transaction processing system of the second embodiment, the background to the transaction processing system of the second embodiment will be briefly described. 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 purchases increases suddenly. 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.

  Therefore, in the second embodiment, even when the number of transaction processing devices 1a installed in the store cannot sufficiently handle the card payment processing of the customer (customer), the transaction processing device 1 and the payment relay center An example of a transaction processing system 10A that can smoothly perform settlement using an IC credit card by using the external apparatus 2 for communication with the apparatus 5 and can avoid a prolonged waiting time for customer card settlement will be described. .

(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).

(Background to the third embodiment)
Next, before explaining an example of the transaction processing system of the third embodiment, the background to the transaction processing system of the third embodiment will be briefly described. In the first embodiment described above, the external device 2 displays the transaction settlement information input screen (for example, see FIGS. 10A to 10H) generated by the settlement relay center device 5 using a script or the like, A settlement request including transaction settlement information input by the customer is transmitted to the transaction processing apparatus 1 of the thin client. Accordingly, the external device 2 can continuously accept the input process for the transaction settlement information input screen by the store employee and customer input processes. However, as the transaction settlement information (hereinafter simply referred to as “settlement information”) input screen is described such that the procedure of “input prompt to input to input confirmation screen” can be implemented multiple times in one page, for example, such a continuous If the input process is not described using a script language such as JavaScript (registered trademark) or a software component such as ActiveX (registered trademark) (hereinafter referred to as not being generated in a script format or the like) The transaction processing device 1 or the external device 2 needs to request and acquire a payment information input screen with the payment relay center device 5 for each payment information input process, and use it for the customer or store clerk input processing. It was.

  Therefore, in the following third embodiment, when the payment information input screen is not generated in a script format or the like in the first embodiment, the transaction processing device 1 or the external device 2 performs the payment information input processing. A description will be given of an example of the transaction processing system 10 that requests and acquires a payment information input screen with the payment relay center device 5 and causes a customer or a store clerk to input it.

(Third embodiment)
The system configuration example of the transaction processing system 10 according to the third embodiment is the same as the system configuration example of the transaction processing system 10 according to the first embodiment. Different contents will be described. The internal configuration of transaction processing apparatus 1 and external devices 2, 2a, 2b of the present embodiment is the same as the internal configuration of transaction processing apparatus 1 shown in FIG. 2 and external device 2 shown in FIG. Omitted.

  FIG. 18 is a diagram illustrating an example of a software block configuration of the transaction processing device 1 and the external device 2 according to the third embodiment. FIG. 19 is a diagram illustrating an example of connection paths of the transaction processing apparatus 1, the external apparatus 2, and the settlement relay center apparatus 5 in the offline state. FIG. 18 shows a flow of processing (instructions FL2 and FL3) between transaction processing apparatus 1 and settlement relay center apparatus 5 via external apparatus 2 in the offline state shown in FIG.

  In FIG. 18, only a part of each unit illustrated in FIG. 2 is illustrated as hardware of the transaction processing apparatus 1, and all hardware is not illustrated. Similarly, only a part of each unit shown in FIG. 3 is illustrated as hardware of the external device 2, and not all hardware is illustrated. Further, in the description of FIG. 18, description of the same content as that of FIG. 4 is omitted, and different content is described.

  In FIG. 18, when the external device 2 executes an application installed in the external device 2, one or more software modules (that is, components constituting the application) are linked on the OS 92 that is the basic software. Is working. In FIG. 18, for example, the software module is an application for inputting payment information and communicating with an application of the transaction processing apparatus 1 (application for exclusive use of payment input of the external apparatus 2) BL5, another application BL6 of the external apparatus 2, and data communication. The library BL7 and the local / wide area communication application BL8 are 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, the instruction FL1 from the transaction processing device 1 (see FIG. 4, that is, the instruction FL2 shown in FIG. 18). In the reverse direction), input processing (hereinafter referred to as reading processing is also included as part of the input processing) of information (settlement information) necessary for transaction settlement is performed, for example, in the external device 2 (FIG. 20). To FIG. 25). The settlement information is information necessary for settlement of the transaction, 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 The information including the card number of the card CrD read by the external device 2 and information on the expiration date (encrypted in the card CrD).

  In FIG. 18, the external device 2 transmits to each transaction processing device 1 an acquisition request for screen data that includes the input payment information for each input process and prompts the user to input payment information in the next input process (FIG. 18). The forward direction of the instruction FL2 shown in FIG. 18 (see the instruction FL2F shown in FIG. 19). The transaction processing device 1 includes an application BL1 that performs a payment procedure in the transaction processing device 1, an application BL2 that communicates with the payment relay center device 5 or the payment center device 6, and performs a payment procedure, a data communication library BL4, and a local wireless communication unit 51, the local wireless communication unit 52, the data communication library BL7, the local / wide area communication application BL8, and the wide area wireless communication unit 50 (refer to the forward direction of the instruction FL3 shown in FIG. 18 (see the instruction FL3F shown in FIG. 19)). An acquisition request for each process is transmitted to the settlement relay center device 5. The acquisition request for each input process here includes the payment information input in the corresponding input process and is not required until it is a screen data acquisition request for prompting input of the payment information in the next input process. For example, the payment information itself input in the corresponding input process may be transmitted to the payment relay center apparatus 5 without the acquisition request, and the same applies to the following embodiments. In response to an acquisition request for each input process, the settlement relay center device 5 receives a reception response (processing result) that the corresponding settlement information has been input and screen data that prompts input of the settlement information in the requested next input process. Are transmitted to the external device 2. Screen data that prompts input of payment information is transmitted in a direction opposite to the screen data acquisition request (that is, in the order of instruction FL3R and instruction FL2R). As a result, the external device 2 is connected to the transaction processing device 1 every time the transaction information is input to the external device 2 when the communication between the transaction processing device 1 and the settlement relay center device 5 is offline. Instead, the payment information input instead can be transmitted to the payment relay center device 5, and screen data for prompting the input of the payment information in the next input processing can be displayed.

  In addition, the external device 2 transmits a settlement request including the settlement information input in the final input process to the transaction processing device 1 (refer to the forward direction of the instruction FL2 shown in FIG. 18 (refer to the instruction FL2F shown in FIG. 19)). . The transaction processing device 1 includes an application BL1 that performs a payment procedure in the transaction processing device 1, an application BL2 that communicates with the payment relay center device 5 or the payment center device 6, and performs a payment procedure, a data communication library BL4, and a local wireless communication unit 51, local wireless communication unit 52, data communication library BL7, local / wide area communication application BL8, and wide area wireless communication unit 50 (refer to forward direction of instruction FL3 shown in FIG. 18 (instruction FL3F shown in FIG. 19)), settlement The request is transmitted to the settlement relay center device 5. The settlement relay center device 5 executes a settlement process using all the settlement information transmitted from the external device 2 in response to the settlement request, and when the settlement process is completed normally, a settlement completion report to that effect is sent. Transmit to the external device 2. The settlement completion report is transmitted in the direction opposite to the settlement request (that is, in the order of the instruction FL3R and the instruction FL2R). Thereby, the external device 2 completes the settlement of the settlement using the settlement information input to the external device 2 by the store clerk or the customer even when the communication between the transaction processing device 1 and the settlement relay center device 5 is offline. A report can be acquired instead of the transaction processing apparatus 1, and a settlement completion report can be transmitted to the transaction processing apparatus 1.

  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. 20 to 25. FIG. 20 is an operation explanatory diagram illustrating a first example of a processing flow of the external device 2 as the payment information input device in the offline state according to the third embodiment. FIG. 21 is a flowchart illustrating an example of an operation procedure of communication between the transaction processing device 1 that relays the external device 2 and the settlement relay center device 5. FIG. 22 is an operation explanatory diagram illustrating an example of a processing flow of the external apparatus 2 as a settlement information relay apparatus in the offline state according to the third embodiment. FIG. 23 is a flowchart illustrating an example of a printing (printing) process in transaction processing apparatus 1. FIG. 24 is an operation explanatory diagram illustrating a second example of the processing flow of the external apparatus 2 as the payment information input apparatus in the offline state according to the third embodiment. FIG. 25 is an operation explanatory diagram illustrating a third example of the processing flow of the external apparatus as the payment information input apparatus in the offline state according to the third embodiment.

  In FIG. 20, the external device 2 serving as a payment information input device activates a payment processing application in response to, for example, a store clerk's operation, and displays an initial screen of the payment processing application (for example, a plurality of menus related to payment processing). Are displayed on the display unit 38 of the touch panel TP2 (S51). The external device 2 includes the data indicating that the initial screen has been displayed, and requests the transaction processing device 1 to obtain a screen data requesting input of settlement information corresponding to the next input process (for example, “brand selection” in step S52). Transmit (see “C” in FIG. 20).

  With this transmission, in FIG. 21, transaction processing apparatus 1 receives the target data or command (for example, the acquisition request described above) transmitted from external apparatus 2 (S71), and receives the target data via external apparatus 2. Alternatively, a command or the like (for example, the acquisition request described above) is transmitted to the settlement relay center device 5 (S72, see “G” in FIG. 21).

  With this transmission, in FIG. 22, the external device 2 having a role as a settlement information relay device receives the target data or command (for example, the acquisition request described above) transmitted from the transaction processing device 1 (S81). The target data or command (for example, the acquisition request described above) is transmitted to the settlement relay center device 5 (S82). The external device 2 responds from the settlement relay center device 5 (for example, screen data that prompts input of settlement information corresponding to the next input process (for example, “brand selection” in step S52) in response to the acquisition request described above). Is received (S83). The external device 2 transmits the response data from the settlement relay center device 5 to the transaction processing device 1 (S84, refer to “H” in FIG. 21), and deletes the response data after the transmission (S85).

  Note that in steps S81 to S85 shown in FIG. 22 and FIG. 33 (described later), the external devices 2 and 2c as the information and data relay devices have actually received the payment application data (for example, the external devices 2 and 2c). Even if the target data or command, the processing result received from the settlement relay center device 5 or the screen data for prompting the input of the settlement information corresponding to the next input processing) is transmitted / received, regardless of the contents of the data, It is transmitted and received as a simple data string.

  By the transmission in step S84, in FIG. 21, transaction processing apparatus 1 transmits response data transmitted from external apparatus 2 as a relay apparatus for information and data to external apparatus 2 (S73, see “D” in FIG. 20). ). The external device 2 receives the response data, and causes the display unit 38 of the touch panel TP2 to display screen data that prompts input of settlement information in the next input process (for example, “brand selection” in step S52) included in the response data.

  By the transmission of step S73, the external device 2 (see FIG. 20) → transaction processing device 1 (see FIG. 21) → external device 2 (see FIG. 22) → settlement with respect to the “settlement initial screen load” in step S51 shown in FIG. Payment information input processing between the external device 2 and the settlement relay center device 5 is in the order of relay center device 5 → external device 2 (see FIG. 22) → transaction processing device 1 (see FIG. 21) → external device 2. This is done via the processing device 1.

  20, “Brand selection” in step S52, “Read card number / expiration date” in step S53, “Amount input” in step S54, “Payment method / number of times input” in step S55, “ “PIN input” and “settlement request transmission” in step S57 are performed in the same manner as described above in step S51.

  As described in the first embodiment, information on the card brand of the card (for example, IC credit card) selected by the store clerk's input operation is input to the CPU 22 of the external device 2 in the “brand selection”. (S52) As a result of the processing in step S52, screen data relating to “reading of card number / expiration date” in step S53 is displayed on the display unit 38.

  In “reading card number / expiration date”, the information read by the contact IC card reader unit 26 or the non-contact IC card reader / writer unit 28 is input to the CPU 22 of the external device 2 (S53), and as a processing result of step S53. Screen data relating to “amount input” in step S 54 is displayed on the display unit 38.

  In the “input amount”, transaction amount information is input to the CPU 22 of the external device 2 by an input operation of the store clerk (S54), and the screen data related to “payment method / number of times input” in step S55 is displayed on the display unit 38 as the processing result of step S54. Is displayed.

  In “payment method / number of times input”, each information of the payment method and the number of times of payment is input to the CPU 22 of the external device 2 by an input operation of the store clerk (S55), and the screen data related to “PIN input” of step S56 as the processing result of step S55 Is displayed on the display unit 38.

  In “PIN input”, which is a payment information input process, the customer's own PIN is input to the CPU 22 of the external device 2 by the customer's input operation (S56), and the screen data relating to “settlement request” in step S57 as the processing result of step S56. Is displayed on the display unit 38.

  In “settlement request transmission” which is the final input process, a settlement request (settlement process request) is generated by the CPU 22 of the external device 2 by an input operation of the store clerk (S57), processed in the same order as described above in step S51, and settlement relay When the settlement is normally completed in the center device 5, the external device 2 receives the settlement completion report transmitted from the settlement relay center device 5. In this case, in response to the settlement completion report, the external device 2 issues a print (printing) instruction including print data of a voucher (for example, a customer copy and a store copy) related to transaction settlement using a card (for example, an IC credit card). Is transmitted to the transaction processing apparatus 1 (see S58, “E” in FIG. 23).

  With this transmission, in FIG. 23, transaction processing apparatus 1 receives a print instruction including the print data of the slip (S91), and prints the slip on printer 41 (S92). The transaction processing apparatus 1 transmits data of the voucher print result (for example, the voucher print data itself or data indicating that the voucher has been printed; the same applies hereinafter) to the external apparatus 2 (S93, “ After that, the data on the result of printing the slip is deleted (S94). The external device 2 receives the print result data of the slip transmitted from the transaction processing device 1. If necessary, the external device 2 may display data on the printed result of the slip on the display unit 38 of the touch panel TP2.

  After the external device 2 receives the data of the voucher print result, the external device 2 receives settlement information (that is, brand information, card number, expiration date, transaction amount, payment method, number of payments, PIN, etc.) related to the transaction printed on the voucher. (Settlement request) is deleted (S59). If settlement of the transaction using the card CrD (IC credit card) continues (S60, NO), the process returns to step S51. On the other hand, when the settlement of the transaction using the card CrD (IC credit card) does not continue (S60, YES), the flow shown in FIG. 20 ends.

  Next, in FIG. 24, unlike FIG. 20, the external device 2 does not have a role as a payment information input device, but only has a role as a payment information relay device. In other words, in FIG. 24, there is no instruction FL2F shown in FIG. 19, and the transaction processing device 1 has a role as an input device for payment information. That is, payment information is input by the transaction processing device 1 that is the starting side of the instruction FL3F shown in FIG. Note that instruction FL2F shown in FIG. 19 is the forward direction of instruction FL2 shown in FIG. 18, and instruction FL3F shows the forward direction of instruction FL3 shown in FIG. In addition, the instruction FL2R shown in FIG. 19 is the reverse direction of the instruction FL2F, the instruction FL3R shown in the figure shows the reverse direction of the instruction FL3F, and the same applies to the following embodiments.

  Specifically, in FIG. 24, the transaction processing apparatus 1 activates a payment processing application in response to, for example, a store clerk's operation, and an initial screen of the payment processing application (for example, a screen on which a plurality of menus related to payment processing are arranged) ) Is displayed on the display unit 37 of the touch panel TP1 (S101). The transaction processing device 1 includes a data indicating that the initial screen has been displayed, and requests the external device 2 to obtain screen data that prompts the user to input settlement information corresponding to the next input process (for example, “brand selection” in step S102). Transmit (see “G” in FIG. 22).

  With this transmission, in FIG. 22, the external device 2 having a role as a settlement information relay device receives the target data or command (for example, the acquisition request described above) transmitted from the transaction processing device 1 (S81). The target data or command (for example, the acquisition request described above) is transmitted to the settlement relay center device 5 (S82). The external device 2 responds to the response data from the settlement relay center device 5 (for example, the data indicating that the initial screen is displayed in the transaction processing device 1 and the next input processing corresponding to the acquisition request described above (for example, “brand” in step S102). Screen data prompting input of settlement information corresponding to “selection”) is received (S83). The external device 2 transmits the response data from the settlement relay center device 5 to the transaction processing device 1 (S84, refer to “H” in FIG. 21), and deletes the response data after the transmission (S85).

  In FIG. 24, the transaction processing apparatus 1 receives the response data transmitted from the external apparatus 2 as a relay apparatus for information and data by the transmission / reception in steps S81 to S84, and the next input process (for example, included in the response data) Screen data that prompts input of payment information in “Brand selection” in step S102 is displayed on the display unit 37 of the touch panel TP1.

  With regard to the “settlement initial screen load” in step S101 shown in FIG. 24, the transaction processing device 1 (see FIG. 24) → the external device 2 (see FIG. 22) → the settlement relay center device 5 → the external device 2 The payment information input process between the transaction processing device 1 and the payment relay center device 5 is performed via the external device 2 in the order of the transaction processing device 1 (see FIG. 24).

  24, “Brand selection” in step S102, “Read card number / expiration date” in step S103, “Input amount” in step S104, “Payment method / number of times input” in step S105, “ “PIN input” and “settlement request transmission” in step S107 are performed in the same order as described above in step S101.

  In “brand selection”, information about the card brand of the card (for example, IC credit card) selected by the store clerk's input operation is input to the CPU 21 of the transaction processing apparatus 1 (S102), and the processing result of step S103 is shown as the processing result of step S102. Screen data relating to “read card number / expiration date” is displayed on the display unit 37.

  In “reading of card number / expiration date”, the information read by the contact IC card reader / writer unit 25 or the non-contact IC card reader / writer unit 27 is input to the CPU 21 of the transaction processing apparatus 1 (S103), and the process of step S103 is performed. As a result, screen data relating to “money input” in step S104 is displayed on the display unit 37.

  In “input amount”, information on the transaction amount is input to the CPU 21 of the transaction processing apparatus 1 by an input operation of the store clerk (S104), and the screen data related to “payment method / number of times input” in step S105 is displayed on the display unit as the processing result of step S104. 37.

  In “payment method / number of times input”, each information of the payment method and the number of times of payment is input to the CPU 21 of the transaction processing apparatus 1 by an input operation of the store clerk (S105), and the screen related to “PIN input” in step S106 as the processing result of step S105 Data is displayed on the display unit 37.

  In “PIN input” as the final input process in FIG. 24, the customer's own PIN is input to the CPU 21 of the transaction processing apparatus 1 by the customer's input operation (S106), and a settlement request including the PIN is further transmitted via the external apparatus 2. To the settlement relay center device 5. When a settlement completion report indicating that the settlement is normally completed in the settlement relay center apparatus 5 is obtained as a credit result, the transaction processing apparatus 1 uses the settlement completion report transmitted from the settlement relay center apparatus 5 as an external device. 2 via. That is, screen data related to “credit result confirmation from settlement relay center device 5” in step S107 is displayed on the display unit 37 as the processing result in step S106.

  In “Credit result confirmation from settlement relay center device 5”, the screen data of the settlement completion report transmitted from settlement relay center device 5 is displayed on display unit 37 of transaction processing device 1 (S107). In this case, the transaction processing apparatus 1 uses the print data of a slip (for example, a customer copy and a store copy) relating to a transaction settlement using a card (for example, an IC credit card) according to the settlement completion report. In step S108, printing is performed.

  After printing, the transaction processing apparatus 1 deletes the settlement information (that is, brand information, card number, expiration date, transaction amount, payment method, number of payments, PIN, settlement request) related to the transaction printed on the slip (S109). ). If settlement of the transaction using the card CrD (IC credit card) continues (S110, NO), the process returns to step S101. On the other hand, when the settlement of the transaction using the card CrD (IC credit card) does not continue (S110, YES), the flow shown in FIG. 24 ends.

  Next, in FIG. 25, unlike FIGS. 20 and 24, the external device 2 has a role as an input device for a part of settlement information, and the transaction processing device 1 also functions as an input device for the remaining settlement information. Further, the external device 2 has a role as a relay device for payment information. In other words, in FIG. 25, a part of settlement information is input by the external device 2 on the start side of the instruction FL2F shown in FIG. 19, and the transaction processing device 1 on the start side of the instruction FL3F shown in FIG. The remaining payment information is input by.

  That is, in FIG. 25, the external device 2 performs “loading initial screen load” in step S51, “brand selection” in step S52, “amount input” in step S54, and “payment method / number input” in step S55. Is performed in the same manner as steps S51, S52, S54, and S55 shown in FIG. A detailed description of these processes has been described with reference to FIG. When the external device 2 transmits a settlement request to the transaction processing device 1 in step S57, the transaction processing device 1 receives the settlement request transmitted from the external device 2. The transaction processing apparatus 1 performs “read card number / expiration date” in step S103 in FIG. 25, “PIN input” in step S106, and “credit result confirmation from settlement relay center apparatus 5” in step S107. Steps S103, S106, and S107 shown in FIG. A detailed description of these processes has been described with reference to FIG.

  In “Confirmation of credit result from settlement relay center device 5”, when the screen data of the settlement completion report is displayed on the display unit 37 of the transaction processing device 1 from the settlement relay center device 5, the transaction processing device 1 In response to the completion report, the printer 41 prints (prints) using print data of a slip (for example, a customer copy and a store copy) regarding settlement of a transaction using a card (for example, an IC credit card) (S108).

  The transaction processing device 1 notifies the external device 2 that printing of the slip is completed (S108a), and after printing, the settlement information (that is, card number, expiration date, PIN) input in the transaction processing device 1 is displayed. Delete (S109).

  The external device 2 receives that the printing of the slip has been completed (S58a), and deletes the payment information (that is, brand information, transaction amount, payment method, number of payments, payment request) input in the external device 2. (S59). If settlement of the transaction using the card CrD (IC credit card) continues (S60, NO), the process returns to step S51. On the other hand, when the settlement of the transaction using the card CrD (IC credit card) does not continue (S60, YES), the flow shown in FIG. 25 ends.

  As described above, in the transaction processing system 10 of the present embodiment, when the communication between the transaction processing device 1 and the settlement relay center device 5 is in a state where communication is possible (usually in an online state), the transaction processing device 1 uses an IC credit card. A connection related to transaction settlement using an IC credit card is performed with the settlement relay center device 5 which is a settlement connection destination of the used transaction, and settlement processing is performed. In addition, when communication between the transaction processing device 1 and the settlement relay center device 5 is in an impossible state (offline state), the transaction processing device 1 is input for each of a plurality of different payment information input processes related to the transaction. A screen acquisition request that prompts input of payment information corresponding to the next input process including any payment information is transmitted to the external device 2. When the external device 2 transmits the acquisition request transmitted from the transaction processing device 1 to the settlement relay center device 5, the external device 2 transmits screen data corresponding to the acquisition request to the transaction processing device 1. When the transaction processing apparatus 1 receives screen data, the transaction processing apparatus 1 prompts input of settlement information for the screen data. Transaction processing apparatus 1 transmits a payment processing request including any payment information input in the final input process to external device 2. When the external apparatus 2 transmits the settlement processing request transmitted from the transaction processing apparatus 1 to the settlement relay center apparatus 5, the external apparatus 2 transmits the settlement completion report transmitted from the settlement relay center apparatus 5 to the transaction processing apparatus 1. When the transaction processing apparatus 1 receives the settlement completion report, the transaction processing apparatus 1 prints a slip relating to the transaction.

  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 the connection to the line is not available or when the line is offline, including when a failure occurs, payment is made for each input process of payment information by using the external device 2 for communication between the transaction processing device 1 and the payment relay center device 5. Since an information input screen can be acquired and displayed, payment using an IC credit card can be smoothly and accurately performed while sequentially confirming the payment. 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.

  Further, in the transaction processing system 10, as payment information, for example, 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, valid The deadline is read from the IC credit card by the external device 2, and the transaction processing device 1 transmits a report of completion of printing the 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 indicating that the settlement of the transaction using the IC credit card has been completed normally. Even when using a general-purpose application (for example, an e-mail application or a website browsing application), it is possible to accurately ensure the security of the personal information of the customer who is the object of payment.

  Further, in the transaction processing system 10, as payment information, for example, IC credit card brand information, transaction amount, payment method, number of payments, customer authentication information are input by the transaction processing device 1, and the IC credit card card number, The expiration date is read from the IC credit card by the transaction processing device 1. The transaction processing device 1 prints the slip, and then the IC credit card brand information, card number, expiration date, transaction amount, payment method, payment Delete the number of times 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 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 transaction processing device 1 by printing the report indicating that the settlement of the transaction using the IC credit card has been completed normally. The security for the personal information of the targeted customers can be secured accurately.

  Further, in the transaction processing system 10, as payment information, for example, 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 expiration date of the IC credit card are read from the IC credit card by the transaction processing device 1, and the transaction processing device 1 transmits a report printing completion report 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 indicating that the settlement of the transaction using the IC credit card has been completed normally. Even when using a general-purpose application (for example, an e-mail application or a website browsing application), 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 can be input for each input process of payment information even when communication between the transaction processing device 1 and the payment relay center device 5 is disabled (offline state). The screen data acquisition request for prompting the input of the payment information corresponding to the next input process is transmitted to the external device 2 and further includes any of the payment information input in the final input process. A settlement processing request is transmitted to the external device 2. Further, when the transaction processing apparatus 1 receives screen data, the transaction processing device 1 prompts the user to input settlement information for the screen data, and when receiving a transaction settlement completion report, the transaction processing device 1 uses a transaction slip (for example, transaction using an IC credit card). Customer's copy and store's copy).

  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 when offline, including when a failure occurs or when a failure occurs, an external device 2 is used for communication between the transaction processing device 1 and the payment relay center device 5, thereby obtaining a payment information input screen for each payment information input process. Therefore, with a simple apparatus configuration of a thin client type, payment using an IC credit card can be smoothly and accurately performed while sequentially confirming.

  In addition, the external device 2 of the present embodiment includes screen data that includes one of the input payment information for each of a plurality of different payment information input processes related to a transaction, and prompts input of payment information corresponding to the next input process. Acquisition request is transmitted to the settlement relay center device 5, and further, a settlement processing request including any settlement information input in the final input processing is transmitted to the settlement relay center device 5. Further, when the external device 2 transmits the acquisition request transmitted from the transaction processing device 1 to the settlement relay center device 5, the external device 2 transmits screen data corresponding to the acquisition request to the transaction processing device 1. When the transmitted settlement processing request is transmitted to the settlement relay center apparatus 5, the settlement completion report transmitted from the settlement relay center apparatus 5 is transmitted 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).

(Background to the fourth embodiment)
Next, before explaining an example of the transaction processing system of the fourth embodiment, the background to the transaction processing system of the fourth embodiment will be briefly described. In the second embodiment described above, the external device 2c displays a transaction settlement information input screen (for example, see FIGS. 10A to 10H) generated by the settlement relay center device 5 in a script format, etc. Or a payment request including payment information input by the customer is transmitted to the transaction processing apparatus 1 of the thin client. Therefore, the external device 2 can continuously input the payment information input screen by the store clerk or customer input processing. However, when the payment information input screen is not generated in a script format or the like, the transaction processing device 1 or the external device 2 normally sets the payment relay center device for each payment information input process in the online state or the offline state. It is necessary to request and obtain a payment information input screen with 5 and provide it to a customer or store clerk input process.

  Therefore, in the following fourth embodiment, in the second embodiment, when the payment information input screen is not generated in a script format or the like, the transaction processing device 1 or the external device in the normal online state or offline state 2 illustrates an example of a transaction processing system 10A that requests and acquires a payment information input screen with the payment relay center device 5 for each payment information input process, and causes a customer or a store clerk to input the payment information input screen.

(Fourth embodiment)
The system configuration example of the transaction processing system 10A according to the fourth embodiment is the same as the system configuration example of the transaction processing system 10 according to the first embodiment. Different contents will be described. The internal configuration of the transaction processing device 1a, external devices 2c, 2ac, and 2bc of the present embodiment is the same as the internal configuration of the transaction processing device 1 shown in FIG. 2 and the external device 2 shown in FIG. Omitted.

  FIG. 26 is a diagram illustrating an example of connection paths of the transaction processing device 1a, the external devices 2c, 2ac, 2bc, and the settlement relay center device 5 in the normal online state according to the fourth embodiment. FIG. 27 is a diagram illustrating an example of connection paths of the transaction processing apparatus 1a, the external apparatuses 2c, 2ac, 2bc, and the settlement relay center apparatus 5 in the offline state according to the fourth embodiment. FIG. 28 is a diagram illustrating an example of a software block configuration of the transaction processing device 1a and the external device 2c according to the fourth embodiment. In FIG. 28, the flow of processing between the external devices 2c, 2ac, 2bc and the transaction processing device 1a in the normal online state shown in FIG. 26 (see instructions FL2F, FL2R, FL3aF, FL3aR), the external device 2c in the offline state The flow of processing between the transaction processing device 1a and the settlement relay center device 5 (see instructions FL2F, FL2R, FL3bF, FL3bR) is shown.

  Also, in FIG. 28, only a part of each unit shown in FIG. 2 is illustrated as hardware of the transaction processing apparatus 1a, and not all hardware is illustrated. Similarly, only a part of each unit illustrated in FIG. 3 is illustrated as hardware of the external device 2c, and not all hardware is illustrated. Furthermore, in the description of FIG. 28, the description of the same content as the description of FIG. 4 or 18 is omitted, and a different content will be described.

  In FIG. 28, when executing the application installed in the external device 2c, the external device 2c links one or more software modules (that is, components constituting the application) on the OS 92 that is the basic software. Is working. In FIG. 28, the software module includes, for example, an application for payment information input and communication with the application of the transaction processing apparatus 1 (application for exclusive use of payment input of the external apparatus 2) BL 5, the other application BL 6 of the external apparatus 2, and data communication. The library BL7 and the local / wide area communication application BL8 are included at least.

  In the present embodiment, information (settlement of payment) required for settlement of transactions is performed in accordance with the instruction FL1 from the transaction processing apparatus 1a (see FIG. 4, that is, the reverse direction of the instruction FL2 shown in FIG. 28) from both the normal online state and the offline state. The information input process is performed, for example, in the external device 2c (see FIGS. 29 to 33). In addition, the input process of information (settlement information) necessary for transaction settlement may be performed by the external devices 2ac and 2bc (see FIG. 31).

In FIG. 28, the external devices 2c, 2ac, and 2bc each include an input request for screen data including input payment information and prompting input of payment information in the next input process.
It is transmitted to transaction processing apparatus 1a (refer to forward direction of instruction FL2 shown in FIG. 28 (instruction FL2F shown in FIG. 26 or FIG. 27)). The transaction processing device 1a normally has an application BL1 that performs payment processing in the transaction processing device 1a, an application BL2 that performs a payment procedure by communicating with the payment relay center device 5 or the payment center device 6, and local / wide area communication. Via the switching application BL9, the data communication library BL4, and the wired network I / F unit 47 (refer to the forward direction of the instruction FL3a shown in FIG. 28 (instruction FL3aF shown in FIG. 26)), an acquisition request for each input process is sent to the settlement relay center. Transmit to device 5. In response to an acquisition request for each input process, the settlement relay center device 5 receives a reception response (processing result) that the corresponding settlement information has been input and screen data that prompts input of the settlement information in the requested next input process. To the transaction processing apparatus 1a. The screen data that prompts the input of the payment information is transmitted in the direction opposite to the screen data acquisition request (that is, in the order of the instruction FL3aR and the instruction FL2R). As a result, in the normal online state, the transaction processing device 1a sends the payment information input on behalf of the transaction processing device 1 to the payment relay center device 5 every time the payment information of the clerk or customer is input to the external device 2c. It is possible to transmit, display screen data for prompting input of payment information in the next input process, and use the external device 2c as an input device for payment information.

  In FIG. 28, in the offline state, the transaction processing apparatus 1a communicates with the application BL1, the settlement relay center apparatus 5 or the settlement center apparatus 6 that performs a settlement process in the transaction processing apparatus 1a, and the application BL2 that performs the settlement procedure. , The local / wide area communication switching application BL9, the data communication library BL4, the local wireless communication section 51, the local wireless communication section 52, the data communication library BL7, the local / wide area communication application BL8, and the wide area wireless communication section 50 (FIG. 28). The acquisition request for each input process in the forward direction of the indicated instruction FL3b (see the instruction FL3bF shown in FIG. 27) is transmitted to the settlement relay center device 5. In response to an acquisition request for each input process, the settlement relay center device 5 receives a reception response (processing result) that the corresponding settlement information has been input and screen data that prompts input of the settlement information in the requested next input process. Are transmitted to the external device 2c. The screen data that prompts the input of the payment information is transmitted in the opposite direction to the screen data acquisition request (that is, in the order of the instruction FL3bR and the instruction FL2R). As a result, when the communication between the transaction processing device 1a and the settlement relay center device 5 is in an offline state, the external device 2c sends the transaction processing device 1a to the transaction processing device 1a every time the clerk or customer payment information is input to the external device 2c. The payment information input instead can be transmitted to the payment relay center device 5, screen data for prompting the input of payment information in the next input processing can be displayed, and the external device 2c can be used as the payment information input device and the relay device. Can do. The external devices 2ac and 2bc have a role as a payment information input device, but do not have a role as a payment information relay device, and so on.

  In the normal online state, the external device 2c transmits a settlement request including the settlement information input in the final input process to the transaction processing device 1a (forward direction of the instruction FL2 shown in FIG. 28 (shown in FIG. 26). See instruction FL2F)). The transaction processing device 1a includes an application BL1 that performs payment processing in the transaction processing device 1a, an application BL2 that communicates with the payment relay center device 5 or the payment center device 6, and performs a payment procedure, a local / wide area communication switching application BL9, data A settlement request is transmitted to the settlement relay center device 5 via the communication library BL4 and the wired network I / F unit FL3a (refer to the forward direction of the instruction FL3a shown in FIG. 28 (instruction FL3aR shown in FIG. 26)). In response to the payment request, the payment relay center device 5 executes the payment processing using all the payment information transmitted from the transaction processing device 1a, and when the payment processing is completed normally, a payment completion report to that effect. Is transmitted to the transaction processing apparatus 1a. Data indicating the settlement completion report is transmitted in the direction opposite to the settlement request (that is, in the order of the instruction FL3aR and the instruction FL2R). Thereby, the transaction processing apparatus 1a can acquire the payment completion report of the payment using the payment information input by the store clerk or the customer to the external apparatus 2c in the normal online state.

  Further, in the offline state, the external device 2c transmits a payment request including the payment information input in the final input process to the transaction processing device 1a (forward direction of the instruction FL2 shown in FIG. 28 (the instruction shown in FIG. 27). FL2F)). The transaction processing device 1a includes an application BL1 that performs payment processing in the transaction processing device 1a, an application BL2 that communicates with the payment relay center device 5 or the payment center device 6, and performs a payment procedure, a local / wide area communication switching application BL9, data Through the communication library BL4, the local wireless communication unit 51, the local wireless communication unit 52, the data communication library BL7, the local / wide area communication application BL8, and the wide area wireless communication unit 50 (forward direction of the instruction FL3b shown in FIG. The payment request is transmitted to the payment relay center device 5 (see instruction FL3bF). In response to the payment request, the payment relay center device 5 executes the payment processing using all the payment information transmitted from the external device 2c, and when the payment processing is completed normally, a payment completion report to that effect is sent. It transmits to the external device 2c. Data indicating the settlement completion report is transmitted in the opposite direction to the settlement request (that is, in the order of the instruction FL3bR and the instruction FL2R). Thereby, the external device 2c completes the settlement of the settlement using the settlement information input by the store clerk or the customer to the external device 2c even when the communication between the transaction processing device 1a and the settlement relay center device 5 is offline. A report can be acquired instead of the transaction processing apparatus 1a, and a settlement completion report can be transmitted to the transaction processing apparatus 1a. The instruction FL3aF shown in FIG. 26 is the forward direction of the instruction FL3a shown in FIG. 28, and the instruction FL3aR shown in FIG. 26 is the reverse direction of the instruction FL3a shown in FIG. In addition, instruction FL3bF shown in FIG. 27 is the forward direction of instruction FL3b shown in FIG. 28, and instruction FL3bR shown in FIG. 27 shows the reverse direction of instruction FL3b shown in FIG.

  Next, details of operation procedures of the transaction processing device 1a and the external devices 2c, 2ac, 2bc of the transaction processing system 10A of the present embodiment will be described with reference to FIGS. FIG. 29 is an operation explanatory diagram illustrating an example of a processing flow of the external devices 2c, 2ac, and 2bc in the normal online state according to the fourth embodiment. FIG. 30 is an operation explanatory diagram illustrating an example of a processing flow of the transaction processing apparatus 1a in the normal online state according to the fourth embodiment. FIG. 31 is an operation explanatory diagram illustrating an example of a processing flow of the external devices 2ac and 2bc as the payment information input device in the offline state according to the fourth embodiment. FIG. 32 is a flowchart for explaining an example of an operation procedure of communication between the transaction processing device 1 a and the settlement relay center device 5. FIG. 33 is an operation explanatory diagram illustrating an example of a processing flow of the external apparatus 2c as a settlement information relay apparatus in the offline state according to the fourth embodiment.

  In FIG. 29 (that is, in a normal online state), the external devices 2c, 2ac, 2bc having a role as a payment information input device start a payment processing application in accordance with, for example, a store clerk's operation, and An initial screen (for example, a screen on which a plurality of menus related to payment processing are arranged) is displayed on the display unit 38 of the touch panel TP2 (S151). The external devices 2c, 2ac, and 2bc transact the acquisition request of the screen data that includes the data indicating that the initial screen is displayed and prompts the user to input settlement information corresponding to the next input process (for example, “brand selection” in step S152). It transmits to the processing apparatus 1a (refer "J" of FIG. 30).

  By this transmission, in FIG. 30, the transaction processing device 1a receives the target data or command (for example, the acquisition request described above) transmitted from the external devices 2c, 2ac, 2bc (S171), and receives the target data or command ( For example, the above acquisition request) is transmitted to the settlement relay center device 5 (S172).

  The transaction processing device 1a receives the response data from the settlement relay center device 5 and transmits it to the external devices 2c, 2ac, 2bc (see S173, “K” in FIG. 29). The external devices 2c, 2ac, 2bc receive the response data, and display screen data for prompting input of settlement information in the next input process (for example, “brand selection” in step S152) included in the response data, on the display unit 38 of the touch panel TP2. To display.

  With regard to the “settlement initial screen load” of step S151 shown in FIG. 29 by transmission of step S173, external devices 2c, 2ac, 2bc (see FIG. 29) → transaction processing device 1a (see FIG. 30) → settlement relay center device 5 → Transaction information input processing between the external devices 2c, 2ac, 2bc and the settlement relay center device 5 is performed via the transaction processing device 1 in the order of transaction processing device 1a (see FIG. 30) → external devices 2c, 2ac, 2bc. Done.

  29, “Brand selection” in step S152, “Read card number / expiration date” in step S153, “Input amount” in step S154, “Payment method / number input” in step S155, “ “PIN input” and “settlement request transmission” in step S157 are performed in the same order as described above in step S151.

  As described in the third embodiment described above, in the “brand selection”, information on the card brand of the card (for example, IC credit card) selected by the store clerk's input operation is stored in the external devices 2c, 2ac, 2bc. The data is input to the CPU 22 (S152), and screen data relating to “reading of card number / expiration date” in step S153 is displayed on the display unit 38 as a processing result of step S152.

  In “reading card number / expiration date”, the information read by the contact IC card reader unit 26 or the non-contact IC card reader / writer unit 28 is input to the CPU 22 of the external device 2c, 2ac, 2bc (S153), and step S153. As a result of the above processing, the screen data related to “money input” in step S154 is displayed on the display unit 38.

  In “Amount Input”, transaction amount information is input to the CPU 22 of the external device 2c, 2ac, 2bc by an input operation of the store clerk (S154), and screen data relating to “payment method / number of times input” in step S155 as the processing result of step S154. Is displayed on the display unit 38.

  In “payment method / number of times input”, each information of the payment method and the number of times of payment is input to the CPU 22 of the external devices 2c, 2ac, 2bc by the store clerk's input operation (S155). Is displayed on the display unit 38.

  In “PIN input”, which is a payment information input process, the customer's own PIN is input to the CPU 22 of the external device 2c, 2ac, 2bc by the customer's input operation (S156), and the “payment request” in step S157 is obtained as a result of the process in step S156. Is displayed on the display unit 38.

  In “settlement request transmission” that is the final input process, a settlement request (settlement process request) is generated by the CPU 22 of the external devices 2c, 2ac, and 2bc by a store clerk's input operation (S157). When the payment request is made and the payment relay center device 5 completes the payment normally, the external devices 2c, 2ac, 2bc send the payment completion report transmitted from the payment relay center device 5 from the transaction processing device 1a. Receive. In this case, the external devices 2c, 2ac, 2bc, according to the settlement completion report, prints including print data of a voucher (for example, a customer deduction and a store deduction) relating to transaction settlement using a card (for example, an IC credit card). A (printing) instruction is transmitted to the transaction processing apparatus 1a (S158, see “E” in FIG. 23). Here, the description of FIG. 23 is omitted.

  After the external device 2c, 2ac, 2bc receives the print result data of the slip, the settlement information (ie, brand information, card number, expiration date, transaction amount, payment method, payment) regarding the transaction printed on the slip (Number of times, PIN, settlement request) is deleted (S159). If settlement of the transaction using the card CrD (IC credit card) continues (S160, NO), the process returns to step S151. On the other hand, when the settlement of the transaction using the card CrD (IC credit card) does not continue (S160, YES), the flow shown in FIG. 29 ends.

  Next, in FIG. 31 (that is, in the offline state), the processing shown in FIG. 29 is similarly performed in the external devices 2c, 2ac, and 2bc, and thus detailed description thereof is omitted. However, when the external devices 2c, 2ac, 2bc transmit an acquisition request or a settlement request to the transaction processing device 1a in the processing of step S151 to step S157 shown in FIG. 31, the operation of the transaction processing device 1a in FIG. This is different from the operation of the transaction processing apparatus 1a. That is, as in the third embodiment, in the offline state, when the transaction processing device 1a receives an acquisition request or a settlement request transmitted from the external devices 2c, 2ac, and 2bc, for example, it functions as a relay device for settlement information. An acquisition request or a settlement request is transmitted to the settlement relay center device 5 via the external device 2c that has it (see FIGS. 32 and 33).

  Specifically, in FIG. 32, the transaction processing device 1a receives the target data or commands (for example, the acquisition request described above) transmitted from the external devices 2c, 2ac, 2bc (S171), and passes through the external device 2c. Then, the target data or command (for example, the acquisition request described above) is transmitted to the settlement relay center device 5 (S272, see “G1” in FIG. 33).

  With this transmission, in FIG. 33, the external device 2c having a role as a settlement information relay device receives the target data or command (for example, the acquisition request described above) transmitted from the transaction processing device 1a (S81), The target data or command (for example, the acquisition request described above) is transmitted to the settlement relay center device 5 (S82). The external device 2c sends the response data from the settlement relay center device 5 (for example, data indicating that the initial screen is displayed on the external device 2c and the next input process corresponding to the acquisition request described above (for example, “brand selection in step S152 ") Is received (S83). The external device 2c transmits the response data from the settlement relay center device 5 to the transaction processing device 1a (S84, refer to “H1” in FIG. 32), and deletes the response data after transmission (S85).

  As described above, in the transaction processing system 10A of the present embodiment, when the communication between the transaction processing apparatus 1a and the settlement relay center apparatus 5 is in a state where communication is possible (usually in an online state), the transaction processing apparatus 1a uses an IC credit card. A connection related to transaction settlement using an IC credit card is performed with the settlement relay center device 5 which is a settlement connection destination of the used transaction, and settlement processing is performed. Further, when the communication between the transaction processing device 1a and the settlement relay center device 5 is in an impossible state (offline state), the transaction processing device 1a is input for each of a plurality of different payment information input processes related to the transaction. A screen acquisition request for prompting input of payment information corresponding to the next input process including any payment information is transmitted to the external device 2c. When the external device 2c transmits the acquisition request transmitted from the transaction processing device 1a to the settlement relay center device 5, the external device 2c transmits screen data corresponding to the acquisition request to the transaction processing device 1a. When the transaction processing apparatus 1a receives the screen data, the transaction processing device 1a prompts input of settlement information for the screen data. The transaction processing device 1a transmits a payment processing request including any payment information input in the final input processing to the external device 2c. When the external device 2c transmits the settlement processing request transmitted from the transaction processing device 1a to the settlement relay center device 5, the external device 2c transmits the settlement completion report transmitted from the settlement relay center device 5 to the transaction processing device 1a. When the transaction processing device 1a receives the settlement completion report, the transaction processing device 1a prints a slip relating to the transaction.

  As a result, the transaction processing system 10A allows the payment required for authentication of the IC credit card used for the payment processing to be transmitted and received between the IC credit card and the payment relay center device 5, even in a normal online state. The external device 2c is used as a payment information input device for communication between the transaction processing device 1a and the payment relay center device 5 even in an offline state including when the line with the relay center device 5 is unavailable or when a failure occurs. Thus, the payment information input screen can be acquired and displayed for each payment information input process. For example, the external devices 2c, 2ac, and 2bc can be used instead of the payment information input device, and an IC credit card is used. It can be done smoothly and accurately while confirming the payments that have been made. Further, the transaction processing system 10A uses a magnetic credit card function that uses information recorded in the magnetic stripe of the IC credit card even when the line with the settlement relay center device 5 is not available or is in an offline state including 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 10A, for example, IC credit card brand information, transaction amount, payment method, number of payments, and customer authentication information are input by the external devices 2c, 2ac, and 2bc as payment information. The card number and the expiration date are read from the IC credit card by the external devices 2c, 2ac, and 2bc, and the transaction processing device 1a transmits a report printing completion report to the external devices 2c, 2ac, and 2bc. After receiving the print completion report, the external devices 2c, 2ac, 2bc delete the IC credit card brand information, card number, expiration date, transaction amount, payment method, number of payments, and customer authentication information.

  As a result, the transaction processing system 10A deals with the external devices 2c, 2ac, and 2bc even when the line between the transaction processing device 1a and the settlement relay center device 5 is not available or is in an offline state including when a failure occurs even in the normal online state. The processing apparatus 1a 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 relay center apparatus 5). Furthermore, the transaction processing system 10A can delete the transaction settlement information remaining in the external devices 2c, 2ac, 2bc by printing completion report indicating that the settlement of the transaction using the IC credit card has been completed normally. For example, 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 10A, for example, IC credit card brand information, transaction amount, payment method, number of payments, and customer authentication information are input by the transaction processing device 1a as payment information, and the IC credit card card number, The expiration date is read from the IC credit card by the transaction processing device 1a. The transaction processing device 1a prints the slip, and then the IC credit card brand information, card number, expiration date, transaction amount, payment method, payment Delete the number of times and customer authentication information.

  As a result, the transaction processing system 10A allows the external devices 2c, 2ac, and 2bc to be connected to the transaction processing device 1 even when the line between the transaction processing device 1a and the settlement relay center device 5 is not available or includes an offline state. It can be temporarily used as an alternative payment means (that is, a wide area wireless communication tool with the payment relay center device 5). Furthermore, the transaction processing system 10A can delete the transaction settlement information remaining in the transaction processing device 1a by printing completion report indicating that the settlement of the transaction using the IC credit card has been completed normally. The security for the personal information of the targeted customers can be secured accurately.

  In the transaction processing system 10A, for example, IC credit card brand information, transaction amount, payment method, and number of payments are input by the external devices 2c, 2ac, and 2bc as payment information, and customer authentication information is stored in the transaction processing device. The card number and expiration date of the IC credit card input by 1a are read from the IC credit card by the transaction processing device 1a, and the transaction processing device 1a sends a print completion report of the voucher to the external devices 2c, 2ac, 2bc. To do. After receiving the print completion report, the external devices 2c, 2ac, 2bc delete the IC credit card brand information, transaction amount, payment method, and number of payments.

  As a result, the transaction processing system 10A deals with the external devices 2c, 2ac, and 2bc even when the line between the transaction processing device 1a and the settlement relay center device 5 is not available or is in an offline state including when a failure occurs even in the normal online state. The processing device 1a can be temporarily used as an alternative settlement 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 10A can delete the transaction settlement information remaining in the external devices 2c, 2ac, 2bc by printing completion report indicating that the settlement of the transaction using the IC credit card has been completed normally. For example, 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.

  Further, for example, when the communication between the transaction processing device 1a and the settlement relay center device 5 is in a disabled state (offline state), the transaction processing device 1a of the present embodiment is input every time the payment information is input. The screen data acquisition request for prompting the input of the payment information corresponding to the next input process is transmitted to the external device 2c, and any of the payment information input in the final input process A payment processing request including “” is transmitted to the external device 2c. Further, when the transaction processing device 1a receives the screen data, the transaction processing device 1a prompts the user to input settlement information for the screen data. When the transaction processing device 1a receives the transaction settlement completion report, the transaction processing device 1a performs a transaction slip (for example, transaction using an IC credit card). Customer's copy and store's copy).

  As a result, the transaction processing device 1a cannot use the line with the payment relay center device 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 device 5. Even in an off-line state including when a trouble occurs or when a failure occurs, the external devices 2c, 2ac, and 2bc are used for communication between the transaction processing device 1a and the payment relay center device 5 so that the payment information Since the input screen can be acquired and displayed, the thin client type simple device configuration can be smoothly and accurately performed while sequentially confirming the payment using the IC credit card.

  In addition, the external device 2c of the present embodiment includes screen data that includes one of the input payment information for each of a plurality of different payment information input processes related to a transaction, and prompts the user to input payment information corresponding to the next input process. Acquisition request is transmitted to the settlement relay center device 5, and further, a settlement processing request including any settlement information input in the final input processing is transmitted to the settlement relay center device 5. Further, when the external device 2c transmits the acquisition request transmitted from the transaction processing device 1a to the settlement relay center device 5, the external device 2c transmits screen data corresponding to the acquisition request to the transaction processing device 1a. When the transmitted settlement processing request is transmitted to the settlement relay center apparatus 5, the settlement completion report transmitted from the settlement relay center apparatus 5 is transmitted to the transaction processing apparatus 1a.

  As a result, the external device 2c 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 relating 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).

  In the above-described fourth embodiment, the description has been made on the assumption that communication between the external device (for example, the external device 2c) and the settlement relay center device 5 can be used even in the offline state. However, in addition to the offline state of the fourth embodiment, when communication between the external device (for example, the external device 2c) and the settlement relay center device 5 is not available (hereinafter referred to as “extended offline state”). If the transaction processing devices 1 and 1a are thin client type payment terminal devices, the payment processing between the transaction processing devices 1 and 1a and the payment relay center device 5 or the payment center device 6 cannot be executed. In this case, offline settlement is performed between the rich client type transaction processing apparatus 1b and the card CrD (for example, IC credit card), for example, within a range not exceeding the upper limit determined by the contract between the acquirer and the member store. There is a need to do.

  Therefore, referring to the drawings after FIG. 34, in the extended offline state in which all communication with settlement relay center device 5 is unavailable, between transaction processing device 1b and card CrD (for example, IC credit card). An example of a transaction processing system 10A that performs offline settlement will be described. In addition, since the internal structure of the transaction processing apparatus 1b is the same as the internal structure of the transaction processing apparatus 1 shown in FIG. 2, detailed description is abbreviate | omitted.

  FIG. 34 is a diagram illustrating an example of a connection path between the transaction processing device 1b and the external devices 2c, 2ac, and 2bc when the tanking process is performed in the extended offline state. FIG. 35 is a diagram illustrating an example of connection paths of the transaction processing device 1b, the external devices 2c, 2ac, 2bc, and the settlement relay center device 5 after being restored to the normal online state. FIG. 36 is a diagram illustrating an example of a software block configuration of the transaction processing device 1b and the external devices 2 and 2c when the tanking process is performed in the offline state according to the fourth embodiment.

  Further, in FIG. 36, only a part of each unit shown in FIG. 2 is illustrated as hardware of the transaction processing apparatus 1b, and not all hardware is illustrated. Similarly, only a part of each unit illustrated in FIG. 3 is illustrated as hardware of the external device 2c, and not all hardware is illustrated. Furthermore, in the description of FIG. 36, the description of the same content as the description of FIG. 4, FIG. 18 or FIG.

  In the extended offline state shown in FIG. 36, input of information (settlement information) necessary for the settlement of the transaction by the instruction FL1 from the transaction processing apparatus 1b (see FIG. 4, that is, the reverse direction of the instruction FL2 shown in FIG. 28). The processing is performed, for example, in the external device 2c (see FIG. 37).

  In FIG. 36, the external device 2c transmits a screen data acquisition request that includes the input payment information for each input process and prompts the user to input the payment information in the next input process to the transaction processing apparatus 1b (FIG. 36). (Refer to the forward direction of instruction FL2 shown in 36) In the extended offline state, the transaction processing device 1b includes an application BL1 that performs payment processing in the transaction processing device 1b, an application BL3 that communicates with a payment input-only application of the external device 2c, a data communication library BL4, and a local wireless communication unit 51. 36, via the local wireless communication unit 52, the data communication library BL7, an application BL5 (application exclusively for payment input of the external device 2c) that communicates with payment information input and the transaction processing device 1b (instruction FL4 of the instruction FL4 shown in FIG. 36) (Refer to the forward direction), response data for the acquisition request for each input process (that is, the reception response (processing result) that the corresponding payment information has been input in response to the acquisition request for each input process and the next input requested) Screen data for prompting input of settlement information in the process) is transmitted to the external device 2c. Thereby, the external device 2c can transmit the input payment information to the transaction processing device 1b every time the clerk or customer payment information is input to the external device 2c even in the extended offline state. Screen data that prompts input of information can be displayed, and the external device 2c can be used as an input device for payment information.

  Further, in the extended offline state, the external device 2c transmits a payment request including the payment information input in the final input processing to the transaction processing device 1b (refer to the forward direction of the instruction FL2 shown in FIG. 36). Similarly, transaction processing apparatus 1b (refer to the forward direction of instruction FL4 shown in FIG. 36) determines the transaction upper limit amount (offline settlement upper limit amount in the extended offline state) determined in advance by a contract between the acquirer and the member store. As long as it does not exceed, offline payments are made in response to payment requests. When the transaction processing apparatus 1b is normally terminated as a result of the offline settlement, the transaction processing apparatus 1b transmits a settlement completion report to that effect to the external apparatus 2c. Thereby, the external device 2c can acquire a settlement completion report of settlement using the settlement information input by the store clerk or the customer to the external device 2c even in the extended offline state.

  When the extended offline state is restored to the normal online state, the transaction processing device 1b communicates with the application BL1, the payment relay center device 5 or the payment center device 6 that performs the payment processing in the transaction processing device 1b. Via the application BL2, the data communication library BL4, and the wired network I / F unit 47 that perform the payment procedure (refer to the forward direction of the instruction FL5 shown in FIG. 36), the payment relay center device 5 or the payment center device 6 is in the extended offline state. Send the result of tanking.

  Next, details of operation procedures of the transaction processing device 1b and the external device 2c of the transaction processing system 10A of the present embodiment will be described with reference to FIGS. FIG. 37 is a flowchart for explaining an example of operation procedures of the external device 2c and the transaction processing device 1b when tanking processing is performed in the extended offline state according to the fourth embodiment. FIG. 38 is a flowchart for explaining an example of the operation procedure of the transaction processing apparatus 1b when the tanking process is performed in the extended offline state according to the fourth embodiment.

  In FIG. 37 (that is, in the extended offline state), the external devices 2c, 2ac, and 2bc having a role as a payment information input device start a payment processing application in response to, for example, a store clerk's operation, and An initial screen (for example, a screen on which a plurality of menus related to payment processing are arranged) is displayed on the display unit 38 of the touch panel TP2 (S351). The external devices 2c, 2ac, and 2bc transact a request for obtaining screen data including data indicating that the initial screen has been displayed and prompting for input of settlement information corresponding to the next input process (eg, “brand selection” in step S352). The data is transmitted to the processing device 1b (see “L” in FIG. 38).

  With this transmission, in FIG. 38, the transaction processing apparatus 1b receives the target data or command (for example, the acquisition request described above) transmitted from the external devices 2c, 2ac, 2bc (S371), and receives the target data or command ( For example, the above acquisition requests) are accumulated and stored as offline settlement data (offline tanking) (S372).

  After performing offline tanking, transaction processing apparatus 1b provides response data (for example, screen data that prompts input of payment information corresponding to the next input process (for example, “brand selection” in step S352) in response to the acquisition request) described above. It transmits to the external devices 2c, 2ac, 2bc (see S373, “M” in FIG. 37). The external devices 2c, 2ac, 2bc receive the response data, and display screen data for prompting input of settlement information in the next input process (for example, “brand selection” in step S352) included in the response data. To display.

  With regard to the “settlement initial screen load” in step S351 shown in FIG. 37, the external device 2c, 2ac, 2bc (see FIG. 37) → transaction processing device 1b (see FIG. 37) → external device 2c, 2ac, In the order of 2bc, payment information input processing between the external devices 2c, 2ac, 2bc and the transaction processing device 1b is directly performed.

  37, “Brand selection” in step S352, “Read card number / expiration date” in step S353, “Input amount” in step S354, “Payment method / number of times input” in step S355, “ “PIN input” and “settlement request transmission” in step S357 are performed in the same order as described above in step S351.

  As described in the third embodiment described above, in the “brand selection”, information on the card brand of the card (for example, IC credit card) selected by the store clerk's input operation is stored in the external devices 2c, 2ac, 2bc. The data is input to the CPU 22 (S352), and screen data relating to “reading of card number / expiration date” in step S353 is displayed on the display unit 38 as a processing result of step S352.

  In “reading card number / expiration date”, the information read by the contact IC card reader unit 26 or the non-contact IC card reader / writer unit 28 is input to the CPU 22 of the external device 2c, 2ac, 2bc (S353), and step S353. As a result of the above processing, the screen data related to “money input” in step S354 is displayed on the display unit 38.

  In “Amount Input”, transaction amount information is input to the CPU 22 of the external device 2c, 2ac, 2bc by an input operation of the store clerk (S354), and screen data relating to “payment method / number of times input” in step S355 as the processing result of step S354. Is displayed on the display unit 38.

  In the “payment method / number of times input”, each information of the payment method and the number of times of payment is input to the CPU 22 of the external devices 2c, 2ac, 2bc by an input operation of the store clerk (S355). Is displayed on the display unit 38.

  In “PIN input”, which is an input process of payment information, the customer's own PIN is input to the CPU 22 of the external devices 2c, 2ac, 2bc by the customer's input operation (S356), and the “payment request” in step S357 is obtained as a result of the process in step S356. Is displayed on the display unit 38.

  In the “settlement request transmission” that is the final input process, when a settlement request (settlement process request) is generated by the CPU 22 of the external devices 2c, 2ac, and 2bc by a store clerk's input operation (S357), the transaction processing apparatus 1b It is checked whether or not the transaction amount transmitted in S354 has exceeded the transaction upper limit deadline (S366). Transaction processing apparatus 1b performs offline payment when it is determined that the transaction upper limit is not exceeded (S367). Transaction processing apparatus 1b transmits a settlement completion report of offline settlement to external devices 2c, 2ac, and 2bc when offline settlement is normally completed. In this case, the external devices 2c, 2ac, 2bc, according to the settlement completion report, prints including print data of a voucher (for example, a customer deduction and a store deduction) relating to transaction settlement using a card (for example, an IC credit card). A (printing) instruction is transmitted to the transaction processing apparatus 1b (S358, refer to “E” in FIG. 23). Here, the description of FIG. 23 is omitted.

  After the external device 2c, 2ac, 2bc receives the print result data of the slip, the settlement information (ie, brand information, card number, expiration date, transaction amount, payment method, payment) regarding the transaction printed on the slip (Number of times, PIN, settlement request) is deleted (S359). If settlement of the transaction using the card CrD (IC credit card) continues (S360, NO), the process returns to step S351. On the other hand, when the settlement of the transaction using the card CrD (IC credit card) does not continue (S360, YES), the flow shown in FIG. 37 ends.

  When the extended offline state is restored to the normal online state, the transaction processing apparatus 1b sends a request for sales registration including the offline payment data offline-processed in step S372 and the offline payment processing result to the payment relay center apparatus 5 or The data is transmitted to the settlement center device 6 (see FIG. 16).

  As described above, in the transaction processing system 10A of the present embodiment, the transaction processing device 1b accumulates the acquisition requests transmitted from the external devices 2c, 2ac, 2bc in the extended offline state, and between the acquirer and the member store. When it is determined that the transaction upper limit determined in advance by the contract is not exceeded, offline settlement is performed with a card CrD (for example, an IC credit card). Moreover, the transaction processing apparatus 1b prints a slip relating to the transaction after performing offline settlement.

  As a result, the transaction processing device 1b is in an extended offline state in which communication between the transaction processing device 1b and the settlement relay center device 5 or between the external devices 2c, 2ac, 2bc and the settlement relay center device 5 cannot be used. However, since offline payment is possible using the card CrD within a range that does not exceed the transaction upper limit, loss of purchase opportunities for customers can be reduced. This will also allow merchants to mitigate the decline in sales, and acquirer can mitigate the decline in commission revenue based on merchant sales.

  Further, in the transaction processing system 10A of the present embodiment, the transaction processing device 1b, when the communication between the transaction processing device 1b and the settlement relay center device 5 is restored to the normal online state, stores the stored offline payment data. The payment relay center device 5 is requested to register the sales of the used offline payment.

  As a result, when the communication between the transaction processing device 1b and the settlement relay center device 5 is restored to the normal online state, the transaction processing system 10A relays the offline registration sales registration processing performed in the offline state. This can be done for the center device 5.

  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 2, 2a, 2b, 2c, 2ca, 2cb External Device 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 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 (19)

A payment destination device which is a payment connection destination of a transaction using an IC card;
A transaction processing device for making a connection for settlement of transactions using the IC card with the settlement destination device;
A transaction communication terminal that is connectable to the transaction processing device and the payment destination device, and performs a connection related to transaction payment using the IC card with the payment destination device;
When the transaction processing device is in a state where communication between the transaction processing device and the settlement destination device is disabled, any one of the settlement information input for each of a plurality of different settlement information input processes related to the transaction Is transmitted to the transaction communication terminal, and further, a settlement processing request including any of the settlement information input in the final input processing is transmitted to the transaction communication terminal,
The transaction communication terminal is
When the settlement information transmitted from the transaction processing device is transmitted to the settlement destination device, a screen for prompting input of the settlement information corresponding to the next input processing is transmitted to the transaction processing device,
When the settlement processing request transmitted from the transaction processing device is transmitted to the settlement destination device, the settlement completion report transmitted from the settlement destination device is transmitted to the transaction processing device,
The transaction processing apparatus
When receiving the settlement completion report, a voucher for the transaction is printed.
Transaction processing system. The transaction processing system according to claim 1,
The payment information is at least the IC card brand information, card number and expiration date, transaction amount, payment method, number of payments, customer authentication information,
The IC card brand information, card number and expiration date, transaction amount, payment method, number of payments, customer authentication information are input by the transaction communication terminal,
The transaction processing device transmits a print completion report of the slip to the transaction communication terminal,
The transaction communication terminal, after receiving the print completion report, deletes at least one of the IC card brand information, card number and expiration date, transaction amount, payment method, number of payments, customer authentication information,
Transaction processing system. The transaction processing system according to claim 1,
The payment information is at least the IC card brand information, card number and expiration date, transaction amount, payment method, number of payments, customer authentication information,
The IC card brand information, card number and expiration date, transaction amount, payment method, number of payments, customer authentication information are input by the transaction processing device,
The transaction processing device deletes at least one of the IC card brand information, card number and expiration date, transaction amount, payment method, number of payments, and customer authentication information after printing the slip.
Transaction processing system. The transaction processing system according to claim 1,
The payment information is at least the IC card brand information, card number and expiration date, transaction amount, payment method, number of payments, customer authentication information,
First payment information comprising a part of the payment information is input by the transaction communication terminal,
Second settlement information consisting of information other than the first settlement information among the settlement information is input by the transaction processing device,
The transaction processing device transmits a print completion report of the slip to the transaction communication terminal,
The transaction communication terminal, after receiving the printing completion report, deletes at least one of the first settlement information,
The transaction processing apparatus deletes at least one of the second settlement information after printing the slip.
Transaction processing system. The transaction processing system according to claim 1,
The payment information is at least the IC card brand information, card number and expiration date, transaction amount, payment method, number of payments, customer authentication information,
The brand information, transaction amount, payment method, and number of payments of the IC card are input by the transaction communication terminal,
The card number and expiration date, customer authentication information is input by the transaction processing device,
The transaction processing device transmits a print completion report of the slip to the transaction communication terminal,
After receiving the printing completion report, the transaction communication terminal deletes the IC card brand information, transaction amount, payment method, number of payments,
The transaction processing device, after printing the slip, deletes the card number and expiration date of the IC card, customer authentication information,
Transaction processing system. A transaction processing method in a transaction processing system in which a settlement destination device, a transaction processing device of a thin client, and a transaction communication terminal are connected,
When communication between the transaction processing device and the settlement destination device is possible,
The transaction processing device performs connection related to transaction settlement using the IC card with the settlement destination device which is a settlement connection destination of the transaction using the IC card,
When communication between the transaction processing device and the payment destination device is in an impossible state,
The transaction processing device transmits any of the input settlement information to the transaction communication terminal for each input process of a plurality of different settlement information related to the transaction,
When the transaction communication terminal transmits the payment information transmitted from the transaction processing device to the payment destination device, the transaction communication terminal displays a screen for prompting input of the payment information corresponding to the next input processing on the transaction processing device. Send
Furthermore,
The transaction processing device transmits a payment processing request including any of the payment information input in the final input processing to the transaction communication terminal,
When the transaction communication terminal transmits the payment processing request transmitted from the transaction processing device to the payment destination device, the transaction communication terminal transmits a payment completion report transmitted from the payment destination device to the transaction processing device,
The transaction processing device prints a slip on the transaction when the settlement completion report is received,
Transaction processing method. A first communication unit that performs connection related to settlement of a transaction using the IC card with a settlement destination device that is a settlement connection destination of the transaction using the IC card;
A second communication unit that communicates with a transaction communication terminal that performs a connection related to transaction settlement using the IC card with the settlement destination device;
An acquisition unit that acquires a plurality of different settlement information related to the transaction via the second communication unit;
A printing section that prints a slip on the transaction,
When the communication between the first communication unit and the settlement destination device is in an incapable state, the second communication unit receives any of the entered settlement information for each transaction information input process. Transmitting to the communication terminal, and further transmitting to the transaction communication terminal a payment processing request including any of the payment information input in the final input processing,
When the payment information is transmitted to the payment destination device, the second communication unit receives a screen that prompts input of the payment information corresponding to the next input process,
The printing unit prints a slip on the transaction when a settlement completion report of the transaction is received by the second communication unit;
Transaction processing device. A third communication unit that performs connection related to settlement of transactions using the IC card with a settlement destination device that is a settlement connection destination of transactions using the IC card;
A fourth communication unit that performs communication with a transaction processing device that performs connection related to transaction settlement using the IC card with the settlement destination device;
An input unit for inputting a plurality of different settlement information related to the transaction,
The third communication unit, which is input by the input unit for each input process of a plurality of different settlement information related to the transaction, when communication between the transaction processing device and the settlement destination device is not possible The settlement information is transmitted to the settlement destination device, and further, a settlement processing request including any of the settlement information input in the final input process is transmitted to the settlement destination device,
The fourth communication unit is
When the settlement information transmitted from the transaction processing device is transmitted to the settlement destination device, a screen for prompting input of the settlement information corresponding to the next input processing is transmitted to the transaction processing device,
When the settlement processing request transmitted from the transaction processing device is transmitted to the settlement destination device, the settlement completion report transmitted from the settlement destination device is transmitted to the transaction processing device.
Transaction communication terminal. To a transaction processing device that is a computer,
Transaction settlement using the IC card with the settlement destination device when communication between the transaction processing device and the settlement destination device which is the settlement connection destination of the transaction using the IC card is possible Make connection
When communication between the transaction processing device and the payment destination device is in an impossible state,
For each input process of a plurality of different payment information related to the transaction, any of the input payment information is transmitted to a transaction communication terminal that communicates with the payment destination device,
When the payment information is transmitted to the payment destination device, a screen for prompting input of the payment information corresponding to the next input process is received,
Sending a payment processing request including any of the payment information input in the final input processing to the transaction communication terminal;
When a settlement completion report corresponding to the settlement processing request is received, a slip for the transaction is printed, for realizing each processing.
program. To a transaction communication terminal that is a computer,
When communication between a transaction processing device that performs connection related to payment of a transaction using an IC card and a payment destination device that is a payment connection destination of the transaction is not possible,
For each input process of a plurality of different payment information related to the transaction, send any of the input payment information to the payment destination device,
Sending a settlement process request including any of the settlement information input in the final input process to the settlement destination apparatus;
When the settlement information transmitted from the transaction processing device is transmitted to the settlement destination device, a screen for prompting input of the settlement information corresponding to the next input processing is transmitted to the transaction processing device,
In order to realize the respective processes of transmitting the settlement completion report transmitted from the settlement destination device to the transaction processing device when the settlement processing request transmitted from the transaction processing device is transmitted to the settlement destination device. of,
program. A payment destination device which is a payment connection destination of a transaction using a card;
A transaction processing device for making a connection for settlement of transactions using the card with the settlement destination device;
A transaction communication terminal that is connectable to the transaction processing device and the payment destination device, and that performs connection related to transaction payment using the card with the payment destination device;
The transaction communication terminal transmits any of the input settlement information to the transaction processing apparatus for each of a plurality of different settlement information input processes related to the transaction, and further, any of the settlement information input in the final input process. Sending a payment processing request including the payment information to the transaction processing device,
The transaction processing apparatus
When the settlement information transmitted from the transaction communication terminal is transmitted to the settlement destination device, a screen for prompting input of the settlement information corresponding to the next input process is transmitted to the transaction communication terminal,
When the settlement processing request transmitted from the transaction communication terminal is transmitted to the settlement destination device, a settlement completion report transmitted from the settlement destination device is transmitted to the transaction communication terminal, and a slip relating to the transaction Print
Transaction processing system. The transaction processing system according to claim 11,
The payment information is at least the brand information of the card, card number and expiration date, transaction amount, payment method, number of payments, customer authentication information,
The transaction processing apparatus transmits a print completion report indicating completion of printing of the coupon to the transaction communication terminal, and the transaction communication terminal receives the print completion report, and then receives the brand information of the card, the card number, and Delete expiry date, transaction amount, payment method, number of payments, customer authentication information,
Transaction processing system. The transaction processing system according to claim 11,
The transaction processing device has a storage unit, and accumulates the payment information transmitted from the transaction communication terminal in the storage unit when communication between the transaction processing device and the payment destination device is disabled. And after making a payment using the payment information with the card, printing the coupon.
Transaction processing system. The transaction processing system according to claim 13,
After the transaction processing device and the payment destination device are ready for communication, the transaction processing device is configured to register the sales registration of the payment using the payment information stored in the storage unit. Request to the destination device,
Transaction processing system. A transaction processing method in a transaction processing system in which a settlement destination device, a transaction processing device, and a transaction communication terminal are connected,
The transaction communication terminal transmits any of the input payment information to the transaction processing device for each input processing of a plurality of different payment information related to a transaction using a card, and the transaction processing device When the payment information transmitted from the terminal is transmitted to the payment destination device, a screen for prompting input of the payment information corresponding to the next input process is transmitted to the transaction communication terminal,
Furthermore,
The transaction communication terminal transmits a payment processing request including any of the payment information input in the final input processing to the transaction processing device,
When the transaction processing device transmits the settlement processing request transmitted from the transaction communication terminal to the settlement destination device, the transaction processing device transmits a settlement completion report transmitted from the settlement destination device to the transaction communication terminal, A transaction processing method for printing a slip on the transaction. A first communication unit that performs connection related to settlement of the transaction with a settlement destination device that is a settlement connection destination of a transaction using a card;
A second communication unit for communicating with a portable transaction communication terminal;
An acquisition unit that acquires a plurality of different settlement information related to the transaction input by the transaction communication terminal via the second communication unit;
A printing section that prints a slip on the transaction,
For each payment information input process, the first communication unit transmits any of the input payment information to the payment destination apparatus, and further, any of the payments input in the final input process. Sending a payment processing request including information to the payment destination device;
When the payment information is transmitted to the payment destination device, the second communication unit receives a screen that prompts input of the payment information corresponding to the next input process,
The printing unit prints a slip on the transaction when a settlement completion report of the transaction is received by the first communication unit;
Transaction processing device. A third communication unit that communicates with a transaction processing device that performs connection related to settlement of transactions using a card;
An input unit for inputting a plurality of different settlement information related to the transaction;
A display unit that displays a screen that prompts input of the payment information,
The third communication unit is
For each input process of a plurality of different settlement information related to the transaction, send any of the settlement information input by the input unit to the transaction processing device,
The display unit
Corresponding to the next input process transmitted from the settlement destination device via the transaction processing device when the settlement information is transmitted by the transaction processing device to a settlement destination device that is a settlement connection destination of the transaction Display a screen prompting you to enter the payment information
The third communication unit is
Sending a payment processing request including any of the payment information input in the final input processing to the transaction processing device;
Furthermore,
When the transaction processing device sends the settlement processing request to the settlement destination device, the transaction processing device responds to the settlement completion report related to the settlement of the transaction transmitted from the settlement destination device via the transaction processing device. Instructing the transaction processing device to print a slip on
Transaction communication terminal. To a transaction processing device that is a computer,
For each input process of a plurality of different payment information related to a transaction using a card, any of the input payment information is transmitted to a payment destination device that is a payment connection destination of the transaction,
When receiving a screen for transmitting the payment information corresponding to the next input process transmitted from the payment destination device, the portable transaction communication terminal is prompted to input the payment information for the screen,
Sending a settlement process request including any of the settlement information input in the final input process to the settlement destination apparatus;
When a settlement completion report of the transaction transmitted from the settlement destination device is received, a slip for the transaction is printed, and each process is realized.
program. To a transaction communication terminal that is a computer,
For each input process of a plurality of different settlement information related to a transaction using a card, any one of the input settlement information is transmitted to a transaction processing device that performs connection related to the settlement of the transaction,
When the transaction information is transmitted by the transaction processing device to a settlement destination device that is a settlement connection destination of the transaction, a screen that prompts input of the settlement information corresponding to the next input processing is displayed.
Sending a payment processing request including any of the payment information input in the final input processing to the transaction processing device;
When the settlement processing request is transmitted to the settlement destination apparatus by the transaction processing apparatus, a printout of the coupon relating to the transaction is printed in response to a settlement completion report regarding settlement of the transaction transmitted from the settlement destination apparatus. In order to realize each processing to instruct the transaction processing device,
program.

Images