JP6585388B2 - Payment system - Google Patents

Description

  The present invention relates to a payment system that performs payment of electronic money.

Currently, settlement of commercial transactions using electronic money is widely performed. In a commercial transaction using electronic money, an IC (integrated circuit) chip for storing electronic money information is mounted on an IC card or a mobile phone (hereinafter referred to as an IC card), and the IC card or the like is mounted on a dedicated reader / writer. By making them close, electronic money information is read and written by non-contact communication.
In electronic money settlement, electronic money withdrawal information is written into an IC card or the like, and the settlement processing is completed upon receipt of a write completion response from the IC card or the like. If the IC card or the like is suddenly separated from the reader / writer during the settlement process by non-contact communication, the settlement process is not completed. Depending on the timing at which normal reading and writing cannot be performed, the case where the electronic money withdrawal information is written to the IC card or the like is not completed, and the case where the electronic money withdrawal information is not written to the IC card or the like is not completed. Occurs.

In a store in which a payment system such as an IC card is incorporated in a register that receives money and prints a receipt, an incomplete receipt is printed when the payment processing for the IC card or the like is not completed. A store clerk can know that payment processing has not been completed by an incomplete receipt. In this case, the store clerk can make a correct settlement process by making a balance inquiry of the IC card or the like. For example, if there is no record of withdrawal on the IC card or the like, the store clerk performs the settlement process again. If there is a withdrawal record on the IC card or the like, the store clerk performs a refund procedure with cash or the like and performs another settlement process so that double settlement is not performed.
In Patent Document 1, when there is no response to the effect that the money amount change process has been executed from the electronic money card at the time of settlement using the electronic money card, the balance of the electronic money card is forcibly read and the money amount change process succeeds. A system for determining whether or not was successful has been disclosed.

JP 2013-016197 A

Payments using IC cards, etc. are not printed on receipts such as payment of game fees at the amusement hall, payment of usage fees for copy machines, payment at vending machines, or payment at self-service gas stations. Payment processing may be performed in a situation or in a situation where a store attendant is not nearby.
In such a case, if the incomplete payment process occurs, it is difficult for the store staff to know the incomplete generation. In addition, it is difficult for a store clerk to confirm later whether or not electronic money withdrawal has been recorded on an IC card or the like when payment processing has not been completed. In addition, even if the user declares that payment processing has not been completed, it is difficult for a store clerk to check whether electronic money has been withdrawn from the IC card or the like at the time of completion.

  The present invention provides a payment system capable of appropriately dealing with the incomplete payment process even when payment is made for an IC card or the like in a situation where a receipt is not printed or a store staff is not nearby. It is another object of the present invention to provide an information processing apparatus.

In order to achieve the above object, the payment system of the present invention provides
A reader / writer that performs non-contact communication to read / write data of an IC chip in which electronic money information is stored;
An incomplete determination unit for determining whether an incomplete payment process includes a process of writing information obtained by drawing electronic money to the IC chip via the reader / writer;
A notification unit that transmits an electronic message notifying incomplete when it is determined that the payment processing is incomplete;
A portable terminal having a function of reading information of the IC chip, a function of receiving the electronic message, and a display unit for outputting an image;
With
The notification unit transmits the electronic message notifying incompletion to the portable terminal,
The portable terminal includes an information output processing unit that reads electronic money information from the IC chip and outputs the information to the display unit.
In this configuration, the portable terminal is carried by a store clerk. As a result, if the payment process is not completed even if payment is made for IC cards etc. in the situation where receipt printing is not performed or the store clerk is not nearby, the clerk will receive an electronic message. It is possible to know that payment processing has not been completed. Further, a store clerk can use a portable terminal to read information for inquiring about the settlement process from an IC card or the like, and deal with the incomplete settlement process.

Preferably, the electronic message includes a settlement amount of settlement processing determined to be incomplete and a balance before settlement.
The information output processing unit may output current balance information of the IC chip.
According to this configuration, when payment processing has not been completed, a staff member who has a portable terminal can know the payment amount of the payment processing that has not been completed and the balance before payment from an electronic message. . Furthermore, the staff can read balance information from an IC card or the like using a portable terminal. From these, it is possible to confirm whether or not electronic money has been withdrawn in the incomplete payment process.

Preferably, an extraction unit that extracts information on a payment that may match a payment determined to be incomplete from the payment history read from the IC chip;
An information output unit for outputting the information extracted by the extraction unit;
Further comprising a,
The payment history includes identification information for identifying a reader / writer that has written to the IC chip in each payment.
The extraction unit includes a list storage unit that stores identification information registered in a reader / writer installed in the same store as the extraction unit of the reader / writer, and the information of the list storage unit and the settlement Based on the identification information of the history, from the payment history information of the IC chip, the payment information of other stores is excluded to extract the payment information,
The information output unit may If you configured not to output the settlement information of the other stores.
In addition, the payment information includes the date and time the payment occurred,
The extraction unit further estimates and extracts payment information that may match the payment determined to be incomplete from the payment information of the same store based on the date and time information,
The information output unit may output only the estimated settlement information as the settlement information to be displayed.
According to this configuration, if payment processing is not completed and another payment processing is performed with the same IC card or the like, it is confirmed whether or not electronic money has been withdrawn in the payment processing that has not been completed. can do. Further, it is possible to avoid output of unrelated payment information by extracting information by the extraction unit.

More preferably, the payment history includes identification information for identifying a reader / writer that has written to the IC chip in each payment.
The extraction unit includes:
Based on the identification information, from the payment history information of the IC chip, the payment information written by the reader / writer determined to have not completed the payment processing or the payment information written at the same store is extracted. Good.
According to this configuration, it is possible to easily extract information that may have been settled due to the extraction of information by the extraction unit. In addition, the extraction of information by the extraction unit suppresses the output of payment information other than the store where payment processing has not been completed. Disclosure of store settlement information can be avoided.
More preferably, the electronic message is an electronic mail.
According to this configuration, it is possible to transmit an electronic message notifying that payment processing has not been completed to a portable terminal at low cost using a general-purpose function.

An information processing apparatus according to the present invention
It is determined whether or not the settlement process has been completed, including the process of writing the information extracted from the electronic money to the IC chip by using a reader / writer that performs reading and writing of the data of the IC chip in which the electronic money information is stored by non-contact communication. An end-determination department;
A notification unit that transmits an electronic message notifying the completion of the payment processing to a portable terminal having an information output processing unit that reads information from the IC chip and outputs the information to a display unit When,
It was set as the structure provided with.
According to this configuration, when the payment process is not completed, an electronic message notifying the completion can be transmitted to a staff member of a store carrying a portable terminal capable of coping with the completion of the payment process. it can. Therefore, even if the receipt printing is not performed, or the clerk at the store is not nearby, even if the payment processing of the IC card or the like is incomplete, the clerk can know the incomplete and the payment processing is incomplete Can deal with.
Preferably, the notifying unit includes a settlement amount of settlement processing determined to be incomplete and a balance before settlement to the portable terminal from which the information output processing unit outputs current balance information of the IC chip. The electronic message may be transmitted.
According to this configuration, the store clerk who has the portable terminal uses the settlement amount and the balance before settlement included in the electronic message, and the current balance information read from the IC card or the like using the portable terminal. Thus, it is possible to confirm whether electronic money has been withdrawn in the incomplete payment process.

  According to the present invention, incomplete payment processing can be appropriately dealt with even when payment is made for an IC card or the like in a situation where a receipt is not printed or a store attendant is not nearby. .

1 is a system configuration diagram showing an example in which a settlement system according to an embodiment of the present invention is applied to a playground. It is a block diagram which shows the internal structure of the information processing apparatus of FIG. It is a block diagram which shows the internal structure of the portable terminal of FIG. It is a block diagram which shows the internal structure of the information terminal of FIG. It is a sequence diagram which shows the 1st example of the flow of a process when payment processing is not completed. It is a data chart which shows the content of the payment incomplete notification. It is a sequence diagram which shows the 2nd example of the flow of a process when the payment process is not completed. It is a data chart which shows an example of payment history, such as an IC card. It is a figure which shows the in-store R / W_ID list | wrist used when an information terminal extracts the information of a payment history.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a system configuration diagram showing an example in which a settlement system according to an embodiment of the present invention is applied to a playground.
The settlement system according to the present embodiment is a system that can use settlement such as an IC card for payment of a game fee at an amusement park. A game machine 110 is provided in the playground.
The settlement system according to the present embodiment includes an information processing apparatus 10, an information terminal 20, a reader / writer 35, and a portable terminal 40. This payment system is connected to a management center 100 such as an IC card via an external network 150 such as the Internet. An IC card or the like is a card having an IC chip in which electronic money information is stored, a mobile phone (for example, a smartphone), or the like.

The reader / writer 35 performs reading and writing of data of the IC chip by performing non-contact communication by short-range wireless communication such as NFC (Near Field Communication) with an IC chip mounted on an IC card or the like. The reader / writer 35 is installed as a settlement means of the game machine 110.
The information processing apparatus 10 performs communication with the management center 100 and reading / writing of IC chip data via the reader / writer 35 to perform IC chip settlement processing. Further, the information processing apparatus 10 performs control to enable the game machine 110 to start in conjunction with IC chip settlement processing. The information processing apparatus 10 may be a general-purpose PC (Personal Computer), a tablet terminal, or the like.

The management center 100 is a server that comprehensively manages payment information of IC chips processed by payment devices in various places. Electronic money payment processing is centralized in the management center 100, and the payment device (reader / writer 35) used by the user performs only the minimum necessary processing to constitute a thin client payment system. ing. When the management center 100 totals the settlement information for each store, the actual fee is paid to the store based on the total.
The information terminal 20 is a non-portable computer and has its own reader / writer 23 (see FIG. 4), which is operated by a store clerk to read and display information from an IC card or the like. Communication with 100 is performed for settlement processing. The information terminal 20 may be an article sales information terminal such as a POS register, for example.
The portable terminal 40 is a portable communication terminal having a display unit 45 (see FIG. 3) such as a so-called smartphone, has a function of receiving an e-mail, and is owned by a store attendant. Furthermore, the portable terminal 40 is equipped with a non-contact communication reader 44 (see FIG. 3), and has a function of reading information from the IC chip by non-contact communication such as NFC.

Next, details of each component of the system will be described.
FIG. 2 is a block diagram illustrating an internal configuration of the information processing apparatus.
The information processing apparatus 10 includes a network communication unit 11. The network communication unit 11 communicates with the management center 100 via the external network 150.
The information processing apparatus 10 further includes a storage unit 12, a control unit 13, and a notification unit 14. The storage unit 12 is a memory that stores a program of the game machine 110 and various data. The control unit 13 performs IC chip settlement processing by reading and writing data of the IC chip via the reader / writer 35 and communicating with the management center 100. In addition, the control unit 13 controls whether or not the game machine 110 can be started and controls the notification unit 14 in accordance with the IC chip settlement process. In addition, the control unit 13 has a function as an incomplete determination unit, and after the payment process is started, the payment process is incomplete when the management center 100 times out without receiving a payment completion notification. Judge.
In response to a request from the control unit 13, the notification unit 14 transmits a predetermined e-mail to the recipients registered in advance via the network communication unit 11. This electronic mail corresponds to an example of an electronic message according to the present invention.

For example, when a settlement request for an IC chip is generated via the reader / writer 35, the control unit 13 transmits settlement information indicating the fee of the game machine to the management center 100 via the network communication unit 11, and the management center 100 100 performs settlement processing of settlement information (processing such as withdrawal of electronic money). Further, when the settlement processing result is received from the management center 100 via the network communication unit 11, the control unit 13 permits the start of the game machine corresponding to the settlement and executes the program stored in the storage unit 12. When the payment process is not completed, the control unit 13 instructs the notification unit 14 to transmit an e-mail indicating that the payment is not completed, as will be described in detail later.
A reader / writer 35 is connected to the I / O port 33. The reader / writer 35 to be connected may be singular or plural. The control unit 13 inputs / outputs data and commands to / from a specified reader / writer 35 via the I / O port 33 in order to read / write data of the IC chip.

The game machine 110 is connected to the I / O port 123. The game machine to be connected may be singular or plural. When a plurality of game machines are connected, a plurality of reader / writers 35 may be connected to the I / O port 33 in a one-to-one correspondence with each game machine, and one reader is connected to the I / O port 33. Only the writer 35 may be connected, and settlement of each game machine may be performed by only one unit. The control unit 13 inputs and outputs a command permitting the start of the game, data notifying the state of the game machine 110, and the like with the designated game machine 110 via the I / O port 123.
Each block in FIG. 2 may be realized by hardware, software realized by a CPU (Central Processing Unit) executing a control program, or by cooperation of software and hardware. It may be realized.
FIG. 3 is a block diagram showing the internal configuration of the portable terminal.
The portable terminal 40 includes a control unit 41, a wireless communication unit 42, a notification unit 43, a non-contact communication reader 44, a display unit 45 that displays an image, an operation unit 46 such as a button or a touch panel, and an information output processing unit 47. I have.

The wireless communication unit 42 can perform cellular communication, for example, and can be connected to the external network 150. The wireless communication unit 42 may be configured to be able to communicate with the information processing apparatus 10 by performing wireless communication connected to a local area network such as WiFi (Wireless Fidelity) communication. The notification unit 43 notifies the owner, for example, by outputting a notification sound, driving a vibrator, or other means. The non-contact communication reader 44 is configured to read electronic money information from an IC card or the like by non-contact communication such as NFC. The control unit 41 inputs an electronic mail received via the wireless communication unit 42 and performs control processing corresponding to the electronic mail. The control unit 41 controls the operation of the notification unit 43 and the information output processing unit 47 according to the operation of the operation unit 46. The information output processing unit 47 performs processing for reading the balance of an IC card or the like via the non-contact communication reader 44 and outputting it to the display unit 45.
FIG. 4 is a block diagram showing a functional configuration of the information terminal.
The information terminal 20 includes an information output process including a control unit 21, a communication unit 22, a reader / writer 23, an information output unit 24 that outputs information such as display or printing, an operation unit 25 such as a keyboard or a mouse, and an extraction unit 26a. A portion 26 is provided.

The communication unit 22 is connected to the external network 150 or the local network of the information processing apparatus 10 and communicates with the management center 100 and the information processing apparatus 10. The reader / writer 23 reads and writes electronic money information from an IC card or the like. The control unit 21 performs control such as communication via the communication unit 22, activation control of the information output processing unit 26 according to the operation of the operation unit 25, and settlement processing via the reader / writer 23. The information output processing unit 26 reads settlement history information such as an IC card, causes the extraction unit 26 a to extract settlement information, and causes the information output unit 24 to output the settlement information. Although it is possible to extract all payment information stored in an IC card or the like, only the payment information made in the same store is extracted from the payment history of the IC card or the like in consideration of the personal information of the user. It is preferable. The extraction unit 26a stores in advance a list (see FIG. 9) of identification information (hereinafter referred to as R / W_ID) registered in the reader / writer 35 installed in the store. Based on this, payment information is extracted. The R / W_ID is information that can uniquely identify each reader / writer among all the reader / writers provided in settlement apparatuses in various places.
Each block in FIG. 3 and FIG. 4 may be realized by hardware, software realized by a CPU executing a control program, or may be realized by cooperation of software and hardware. .

<Description of operation>
Next, an operation when payment processing is not completed in the payment system having the above-described configuration will be described.
FIG. 5 is a sequence diagram showing a first example of a process flow when the settlement process is not completed. FIG. 6 is a data chart showing the contents of the payment incomplete notification.
First, when the user performs an operation of designating the game machine 110, the operation information is transmitted to the information processing apparatus 10 and the reader / writer 35, and the information processing apparatus 10 determines a payment amount, and payment is started. (Step S1).
When settlement is started, a settlement request is transmitted from the reader / writer 35 via the information processing apparatus 10, and the management center 100 receives it (step S2).

When the settlement request is received, the management center 100 transmits a settlement start request to the reader / writer 35, and the reader / writer 35 enters a settlement mode in which communication with an IC card or the like is possible. Here, when an IC card or the like approaches (touches) the reader / writer 35, the management center 100 communicates with the IC card or the like via the information processing apparatus 10 and the reader / writer 35 according to a predetermined algorithm, and executes a settlement process. (Step S3).
Near the end of the payment process, the management center 100 issues a write request for writing payment amount withdrawal data to an IC card or the like (step S4).
Here, if the processing is normally performed, the withdrawal amount withdrawal data is written to the IC card or the like, and a response to the completion of writing is sent from the IC card or the like to the management center 100. Thereafter, the management sensor 100 notifies the information processing apparatus 10 that the payment is complete, and the payment process is completed.

On the other hand, the flow of FIG. 5 shows an example in which the user releases the IC card or the like from the reader / writer 35 at the timing during writing. In this case, the management center 100 is disconnected from the IC card or the like without receiving a write completion response from the IC card or the like. In this case, the management center 100 transmits a retouch request to the reader / writer 35 (step S5).
When a retouch request is made, the reader / writer 35 enters an operation mode for requesting and waiting for retouch of the IC card or the like (step S6).
Here, when the predetermined time has elapsed without retouching the IC card or the like, the management center 100 determines that the payment process has not been completed because there is no response (step S7). Further, the information processing apparatus 10 determines that the payment process has not been completed because there is no response when a predetermined time has elapsed from the start of payment in Step S1 without being notified of completion of payment from the management center 100 (Step S7).
When the control unit 13 of the information processing apparatus 10 determines that the payment process has not been completed, the control unit 13 controls the notification unit 14 to transmit an email indicating that the payment is not completed. Thereby, the notification part 14 transmits a predetermined | prescribed electronic mail to the portable terminal 40 registered previously (step S8).

As shown in FIG. 6, in the payment incomplete notification, the payment ID given from the management center 100, the date and time of payment processing, the card ID that uniquely identifies the IC card used for the payment processing, The settlement amount of the settlement process, the balance before settlement such as an IC card, and the R / W_ID of the reader / writer 35 used for the settlement process are included. These are shown in the email.
When the control unit 41 of the portable terminal 40 automatically receives the e-mail indicating that the payment has not been completed (step S9), the control unit 41 notifies the holder by the notification unit 43 (for example, activation of the vibrator), and the content of the e-mail It outputs to the display part 45 (step S10).
The store clerk can know from the e-mail that payment processing has not been completed. Further, even when there are a plurality of reader / writers 35, it is possible to know which reader / writer 35 has not yet completed the payment process. When payment processing is not completed, use of a service (for example, a game) is not started. The clerk can rush to the site and give an incomplete explanation to the user and make an explanation to confirm whether electronic money has been withdrawn.

A store clerk operates the portable terminal 40 to activate the function of the information output processing unit 47 and holds the IC card or the like over the portable terminal 40. Thereby, the information output processing unit 47 reads the current balance of the IC card or the like via the non-contact communication reader 44 (step S11) and displays it on the display unit 45 (step S12).
The store clerk can confirm whether the settlement balance described in the e-mail has been withdrawn by comparing the balance before settlement described in the e-mail with the current balance. For example, if there is no withdrawal from the balance of the IC card or the like, the clerk can explain the fact to the user and make another payment with the IC card or the like to start the game. If there is a withdrawal from the balance of the IC card or the like, the clerk can explain the fact to the user, refund it with cash or the like, and then settle it again with the IC card or the like and start the game.

Next, the flow of processing when the user is performing another payment process from the receipt of an e-mail whose payment notification has not been completed until the store clerk rushes to the user will be described.
FIG. 7 is a sequence diagram illustrating a second example of a process flow when the settlement process is not completed. FIG. 8 is a data chart showing an example of a settlement history of an IC card or the like. FIG. 9 is a data chart showing the in-store R / W_ID list used when the information terminal extracts the payment history information.
As described with reference to FIG. 5, it is assumed that the portable terminal 40 receives an e-mail indicating that payment has not been completed (step S9), and the notification and e-mail display (step S10) are performed. Furthermore, after that, the store clerk rushed to the user and explained to the user that the payment process was not completed, and confirmed that another payment was made with an IC card after the payment process was completed. Suppose that Whether another payment has been made may be confirmed by checking the balance of the IC card or the like in step S11 in FIG. 5 that the balance does not match. Or you may confirm by collation with the date and time of the payment processing which was not completed, and the date and time of final payment, such as an IC card. Alternatively, it may be confirmed by asking the user whether payment has been made thereafter.

In this case, the store clerk explains to the user and guides the user to the information terminal 20. Then, the staff operates the information terminal 20 to activate the information output processing unit 26.
As a result, the information output processing unit 26 of the information terminal 20 reads the settlement history from the IC card or the like (step S21), and the extraction unit 26a is based on the list of reader / writer R / W_IDs registered in the store in advance. Then, the settlement information performed in the store is extracted from the settlement history (step S22).
Specifically, as shown in FIG. 8, a plurality of past payment information is recorded in the payment history read from the IC card or the like. Each payment information includes a payment ID, a balance before payment, a payment amount, an occurrence date and time, an R / W_ID of the reader / writer used for the payment processing, and the like. The extraction unit 26a can extract the payment processed by the reader / writer 35 of the store from the payment history using the in-store R / W_ID list shown in FIG.
When the extraction unit 26a of the information terminal 20 extracts the payment information, the payment information extracted by the information output unit 24 is output (step S23).

The store clerk searches the output payment information and the e-mail information of the payment incomplete notification to find out whether there is payment information with the same R / W_ID at the same date and time, and determines whether or not there is a withdrawal in the incomplete payment processing Can be confirmed. If there is no use of a service (for example, a game) and a balance is withdrawn, it is possible to take appropriate measures such as performing a refund procedure with cash or the like.
As described above, according to the payment system of the present embodiment, when the information processing apparatus 10 determines that the payment process has not been completed, it transmits an email indicating that the payment is not completed to the portable terminal 40. Therefore, the clerk of the store that possesses the portable terminal 40 can know when the payment processing has not been completed even if the employee is not near the payment place.
In addition, the e-mail of incomplete settlement notification includes the settlement amount of the incomplete settlement process and the balance information before settlement, and the portable terminal 40 can make a balance inquiry such as an IC card. Therefore, it is possible to read out a small amount of information from the IC card or the like and confirm whether electronic money has been withdrawn from the IC card or the like by an incomplete payment process.

In addition, when an incomplete payment process cannot be verified only by checking the balance of an IC card or the like, the payment history in the store can be extracted and output from the IC card or the like by using the information terminal 20. . Therefore, the store clerk can collate incomplete payment processing without disclosing the payment history of other stores, which is the user's personal information. Then, the clerk can appropriately deal with the incomplete settlement process.
As mentioned above, although each embodiment of this invention was described, this invention is not limited to said embodiment. For example, the payment system may have a plurality of portable terminals so that a plurality of staff members of the store can respectively carry them. In the embodiment, one information processing apparatus 10 includes a control unit 13 (incomplete determination unit) that determines whether payment processing has not been completed and a notification unit 14 that transmits an incomplete email. Although an example is shown, it may be distributed and arranged in another information processing apparatus. Further, the management center 100 may be configured to transmit an incomplete email.

Further, in the embodiment, the example in which the payment information of the store is extracted and output from the payment history has been shown. However, only the payment information performed by the reader / writer 35 on which the incomplete payment processing has been performed is obtained from the payment history. You may extract and output. In addition, payment information estimated as incomplete payment processing may be extracted from the time information and output. Further, such information extraction may be performed by a portable terminal, and the extracted information may be displayed and output.
In the embodiment, an electronic mail is shown as an electronic message according to the present invention. For example, an electronic message of a communication application that can send text information and the like in real time by designating a destination. May be applied. In addition, the details specifically shown in the embodiments can be changed as appropriate without departing from the spirit of the invention.

In the embodiment, as the incomplete determination unit, the control unit 13 of the information processing apparatus 10 performs a payment when a timeout occurs without receiving a notification of completion of payment from the management center after the payment process is started. Although the configuration for determining that processing has not been completed is shown, the method for determining whether processing has not been completed is not limited thereto. For example, if the management center is configured to notify the information processing apparatus that the payment has not been completed when payment processing has not been completed, the notification may indicate that the payment has not been completed. Further, in the case of a system in which the reader / writer performs most information processing in the payment processing, the notification of payment completion or the notification of payment incomplete may be performed by the reader / writer instead of the management center.
Furthermore, in the above-described embodiment, the case where the payment system of the present invention is used for an amusement park has been described. However, the payment system of the present invention is, for example, payment of a copy machine usage fee, payment of a vending machine, It can be effectively used in a facility where payment is made in a situation where a receipt is not printed, such as payment at a self-service gas station, or where a store staff is not nearby.

DESCRIPTION OF SYMBOLS 10 Information processing apparatus 12 Memory | storage part 13 Control part 14 Notification part 20 Information terminal 21 Control part 23 Reader / writer 24 Information output part 26 Information output process part 26a Extraction part 35 Reader / writer 40 Portable terminal 41 Control part 44 Non-contact communication reader 45 Display unit 47 Information output processing unit 100 Management center 150 External network

Claims (4)

A reader / writer that performs non-contact communication to read / write data of an IC chip in which electronic money information is stored;
An incomplete determination unit for determining whether an incomplete payment process includes a process of writing information obtained by drawing electronic money to the IC chip via the reader / writer;
A notification unit that transmits an electronic message notifying incomplete when it is determined that the payment processing is incomplete;
The IC function of reading information of the chip, the electronic function for receiving a message, the display unit for outputting the image, and an information output processing unit that outputs the electronic money information read from the IC chip on the display unit a portable terminal having a,
An extraction unit that extracts information on payment that may be matched with the payment that has been determined to be incomplete from the payment history that is used in the store and read from the IC chip;
An information output unit for outputting the information extracted by the extraction unit;
With
The payment history includes identification information for identifying a reader / writer that has written to the IC chip in each payment.
The extraction unit includes a list storage unit that stores identification information registered in a reader / writer installed in the same store as the extraction unit of the reader / writer, and the information of the list storage unit and the settlement Based on the identification information of the history, from the payment history information of the IC chip, the payment information of other stores is excluded to extract the payment information,
The information output unit does not output payment information of other stores .   The payment information includes the date and time that the payment occurred,
  The extraction unit further estimates and extracts payment information that may match the payment determined to be incomplete from the payment information of the same store based on the date and time information,
  The payment system according to claim 1, wherein the information output unit outputs only the estimated payment information as the displayed payment information. The electronic message includes the settlement amount of the settlement process determined to be incomplete and the balance before settlement.
3. The settlement system according to claim 1, wherein the information output processing unit outputs current balance information of the IC chip. The settlement system according to any one of claims 1 to 3 , wherein the electronic message is an electronic mail.

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