JP6692654B2 - Payment device - Google Patents

Description

  The present invention relates to a charge-type card payment device.

Conventionally, there is a payment device that can settle a purchased product with a charge-type card (for example, Patent Document 1).
However, the conventional payment device may find that the remaining charge of the card is insufficient at the time of payment processing after product selection. In this case, it is necessary to stop the processing. Therefore, the conventional payment device may not be able to perform the payment process smoothly.

JP, 2010-86202, A

  An object of the present invention is to provide a payment device that can perform payment processing smoothly.

  The present invention solves the problems by the following solving means. It should be noted that, for ease of understanding, reference numerals corresponding to the embodiments of the present invention will be given and described, but the present invention is not limited thereto. Further, the configurations described with reference numerals may be appropriately improved, or at least a part of them may be replaced with other components.

The first invention is a reader that communicates with a rechargeable card (10) that includes an operation unit (42) that accepts operations of a purchaser, a display unit (42), and an IC chip (16) that stores the remaining charge. The control unit includes a writer (30) and a control unit (47, 47a), and the control unit charges while the card and the reader / writer communicate while receiving a product selection operation from the operation unit. According to the fact that the card and the reader / writer have communicated after performing the balance display processing (S3, S5) of reading out the balance and displaying the information regarding the charge balance on the display unit, and accepting the operation for determining the product from the operation unit. Then, the settlement process (S12, S20), which is a process of updating the determined amount of the product by subtracting the remaining charge amount of the IC chip of the card, is performed. It is a device.
A second aspect of the present invention is the settlement apparatus according to the first aspect, wherein the control unit (47, 47a) includes a card (10) communicated in the settlement process and a card (10) communicated in the balance display process. Irrespective of whether or not they match each other, payment is executed in the payment processing.
In a third aspect of the present invention, in the settlement apparatus according to the first or second aspect, the control unit (47, 47a), in the balance display processing (S12, S20), provides information about the charge balance and The payment device is characterized in that the display unit displays information related to the comparison result of the prices of the products selected by the operation unit.
A fourth aspect of the present invention is the settlement apparatus according to any one of the first to third aspects, wherein in the balance display process, when the control unit communicates with another card by exchanging the card, The settlement device is configured to display, on the display unit, information regarding a result of comparison between the remaining charge amount of another card and the amount of money of the product selected by the operation unit.
A fifth invention is the settlement apparatus according to any one of the first to fourth inventions, wherein the control unit (47, 47a) communicates with a plurality of cards (10) in the balance display process (S5). In this case, the settlement device is configured to display information on a result of comparison between the total remaining charge amount of a plurality of cards and the amount of money of the product selected by the operation unit on the display unit.
A sixth invention is the payment apparatus according to any one of the first to fifth inventions, further comprising a touch panel (42) that also serves as the operation unit and the display unit.

  According to the present invention, it is possible to provide a payment device that can perform payment processing smoothly.

It is a perspective view of the payment device 20 of the embodiment. It is a figure explaining the structure of the payment system 1 of embodiment. It is a flow chart at the time of product purchase of an embodiment. It is a figure explaining the transition of the screen at the time of the goods purchase of embodiment, and the transition of the memory information of IC chip 16 (16A, 16B). It is a figure explaining the transition of the screen at the time of the goods purchase of embodiment, and the transition of the memory information of IC chip 16 (16A, 16B).

(Embodiment)
Hereinafter, embodiments of the present invention will be described with reference to the drawings and the like.
FIG. 1 is a perspective view of a payment device 20 of the embodiment.
FIG. 2 is a diagram illustrating a configuration of the payment system 1 of the embodiment.
The payment system 1 is a system related to payment of the card 10.
The card 10 is a rechargeable card. The management company of electronic money issues the card 10 to a purchaser who is a user, and the purchaser carries the card 10. The operating company is, for example, a transportation company or a retail company.
The payment system 1 is one in which a purchaser uses a card 10 to purchase a product or the like with a payment device 20 installed at a station or the like. The purchased product is sent to the destination specified by the payment device 20.
Here, the purchaser may have a plurality of cards 10 that can be used in the payment system 1. The reason for this is, for example, to properly use transportation cards and retail cards. As will be described later, the payment system 1 enables the purchaser to use a plurality of cards 10 for one product purchase.

(Configuration of payment system 1)
The payment system 1 includes a card 10, a payment device 20, and a server 50.
The card 10 is a non-contact type IC card.
The card 10 includes an antenna 11 and an IC chip 16.
The antenna 11 is a loop coil antenna that communicates by an electromagnetic induction method.
The IC chip 16 is an integrated circuit. The IC chip 16 includes a storage unit that stores programs and information necessary for the operation of the card 10, and a control unit that controls the card 10 by executing various programs stored in the storage unit.

The IC chip 16 includes an identification information storage unit 16a and a balance storage unit 16b.
The identification information storage unit 16a stores card identification information, that is, purchaser identification information. The card identification information is unique information given to each card 10.
The balance storage unit 16b stores the charge balance of the card 10. Although detailed description is omitted, the purchaser uses, for example, a charging device provided in a station, a retail store, or the like when charging the card 10.

The payment device 20 is a device in which a reader / writer 30 and a tablet terminal 40 are connected by a cable or wirelessly. The reader / writer 30 and the tablet terminal 40 are fixed to the case 25.
The tablet terminal 40 and the server 50 can communicate with each other via the communication network 2 such as the Internet.
The tablet terminal 40 and the server 50 are computers.
In the embodiment, the computer refers to an information processing device including a storage device, a control device, and the like. The tablet terminal 40 and the server 50 are information processing devices including storage units 46 and 56, control units 47 and 57, and are included in the concept of a computer.
The storage units 46 and 56 are storage devices for storing information, programs and the like necessary for the operation of the tablet terminal 40 and the server 50. The storage units 46 and 56 include hard disks, semiconductor memory devices, and the like.
The control units 47 and 57 are devices for performing arithmetic processing necessary for the operation of the tablet terminal 40 and the server 50, and for controlling these in a centralized manner. The control units 47 and 57 are composed of, for example, a CPU (central processing unit). The control units 47 and 57 realize various functions of the embodiment by appropriately reading and executing various programs stored in the storage units 46 and 56.

As shown in FIG. 1, the payment device 20 is, for example, a stationary device installed in a store such as a station or a retail store.
It should be noted that although one payment device 20 is illustrated in a simplified manner in FIG. 2, the payment system 1 actually includes a plurality of payment devices 20. Each payment device 20 is installed at each station or the like.

The reader / writer 30 includes an antenna 31.
The antenna 31 includes a loop coil antenna (not shown) and the like.
The antenna 31 is for communicating with the antenna 11 of the card 10 by an electromagnetic induction method. The communication distance is, for example, about 100 mm. When the card 10 is held over the antenna 31, the card 10 and the reader / writer 30 can communicate with each other.

As the tablet terminal 40, a so-called tablet personal computer can be used.
Instead of the tablet terminal 40, the payment device 20 may use a device in which a touch panel 42 is connected to a stationary personal computer.
Further, the payment apparatus 20 is configured such that a stationary personal computer is connected to a display unit (which may be a touch panel) such as a liquid crystal display device, an operation unit such as buttons, and the reader / writer 30 and these are assembled in one case. Good. In this case, the unity of the device can be improved.
The tablet terminal 40 includes a touch panel 42, a communication unit 45 (wireless communication unit), a storage unit 46, and a control unit 47.
The touch panel 42 has the functions of a display device (display unit) and an input device (operation unit), and is a device that can also function as these. The touch panel 42 is, for example, a device in which a liquid crystal display device is combined with an electrostatic capacitance type input device. The touch panel 42 is operated by the purchaser or the like.

The communication unit 45 is a communication device for wirelessly communicating with the server 50.
The communication unit 45 is, for example, a unit that can communicate over several tens of meters. The communication unit 45 may be directly connected to the communication network 2 or may be connected to the communication network 2 via a wireless LAN or the like.
Since the payment device 20 includes the communication unit 45, the payment device 20 can be installed in a station or the like without connecting a wired LAN cable or the like. Therefore, the payment device 20 has a high degree of freedom in installation.

The storage unit 46 stores the payment program 46a.
The settlement program 46a is a program related to approval processing.
The control unit 47 includes a payment processing unit 47a.
The payment processing unit 47a performs payment processing and the like according to the payment program 46a.
Detailed processing of the control unit 47 will be described later.

The server 50 is managed by the operating company of the card 10.
The server 50 includes a storage unit 56 and a control unit 57.
The storage unit 56 stores the remaining charge amount of the card 10, the usage history, and the card identification information in association with each other.
The control unit 57 manages information in the storage unit 56, performs communication processing with the payment device 20, and the like.

(Processing of settlement system 1)
The process of purchasing the product in the settlement system 1 for purchasing the product will be described.
FIG. 3 is a flowchart when purchasing a product according to the embodiment.
FIG. 4 and FIG. 5 are diagrams for explaining transitions of screens and transitions of stored information of the IC chips 16 (16A, 16B) when purchasing products according to the embodiment.
Hereinafter, a description will be given from the time when the purchaser starts the operation of the tablet terminal 40 of the payment device 20 to purchase the product. Further, in the following description, an example will be mainly described in which the purchaser has two cards 10 (10A, 10B) and uses them to make a payment.
The information of the IC chips 16A and 16B of the two cards 10A and 10B is "remaining charge of 5000 yen" and "remaining charge of 7,000 yen", respectively (see FIGS. 4B and 4C).

In step S (hereinafter referred to as “S”) 1, the settlement processing unit 47a of the control unit 47 of the tablet terminal 40 performs a selection screen display process.
As shown in FIG. 4A, the payment processing unit 47a displays the product selection screen 61 on the touch panel 42 in this process.
The product selection screen 61 includes a product name display 61a, a quantity display 61b, a payment amount display 61c, a decision button 61d, and a card touch guide display 61e.

The product name display 61a indicates a product such as a steak set and sake, and their prices.
The number display 61b indicates the number of selected products. In this example, one steak set and one sake are selected. When changing the number of products, the purchaser may operate the "+ button" and "-button".
The payment amount display 61c indicates the total amount of the product, that is, the payment amount. In this example, it is displayed as 11,000 yen.
The enter button 61d is a button operated when the process proceeds to the settlement execution confirmation screen 64. When the purchaser wants to proceed to settlement with the content displayed on the product selection screen 61, the purchaser may operate the enter button 61d.
The card touch guidance display 61e is a display that prompts the purchaser to hold the card 10 over the reader / writer 30. In this example, the text is "When the card is touched, the remaining charge is displayed". When the purchaser wants to check the remaining charge of the card 10, he or she may hold the card 10 over the reader / writer 30 according to the card touch guide display 61e.

In S2, the payment processing unit 47a of the tablet terminal 40 determines whether the card 10 is held up. When the purchaser holds the card 10 over the reader / writer 30, the reader / writer 30 starts communication with the card 10. The payment processing unit 47a can make this determination based on the output from the reader / writer 30.
If the payment processing unit 47a determines that the card 10 is held over the reader / writer 30 (S2: YES), the process proceeds to S3, while if it is determined that the card 10 is not held over (S2: NO), S6. Proceed to.

In step S3, the payment processing unit 47a performs a charge balance display process for the card 10.
The payment processing unit 47a performs this processing in the following order.
Here, an example in which the card 10A is held up will be described.
(1) The card identification information and the remaining charge amount are read from the IC chip 16A of the card 10A.
(2) The balance of the charge is compared with the price of the product selected on the touch panel 42.

(3) As shown in FIG. 4B, the charge balance display screen 62 is displayed on the touch panel 42.
The charge balance display screen 62 includes a product name display 62a, a quantity display 62b, a payment amount display 62c, a decision button 62d, a charge balance display 62f, an amount comparison result display 62g, and another card touch guidance display 62h.
The respective displays 62a to 62d are similar to the respective displays 61a to 61d of the product selection screen 61.

The charge balance display 62f and the amount comparison result display 62g are information relating to the charge balance of the card 10A.
The charge balance display 62f indicates the charge balance "remaining amount of 5,000 yen" of the IC chip 16A of the card 10A.
The amount-of-money comparison result display 62g is information relating to the result of comparison between the remaining charge amount and the amount of money of the product selected on the touch panel 42. In this example, the remaining charge amount is 6000 yen short of the payment amount, so this display is "deficient 6000 yen." Although the description is omitted, if the remaining charge amount is sufficient for the settlement amount, the settlement processing unit 47a may display, for example, "insufficient 0 yen".

In this way, the payment processing unit 47a can display information on the remaining charge amount on the touch panel 42 in response to the communication between the card 10A and the reader / writer 30.
Further, the payment processing unit 47a repeats the processing from S1 by the processing of S6: NO described later. Thereby, the settlement processing unit 47a can read out the remaining charge amount and display it on the touch panel 42 while accepting the product selection operation from the touch panel 42.
As a result, the purchaser can confirm the remaining charge amount, that is, the purchaseable amount, even when selecting a product.

  The other card touch guidance display 62h is a display that prompts the purchaser to hold another card 10 different from the card 10A over the reader / writer 30. In this example, the text is “Display the remaining charge amount when another card is touched”. When the purchaser wants to check the remaining charge amount of another card 10 different from the card 10A, he or she may hold the other card 10 over the reader / writer 30 according to the other card touch guide display 62h.

In S4, the payment processing unit 47a determines whether or not another card 10 different from the card 10A in S2 is held over the reader / writer 30.
The settlement processing unit 47a can determine whether or not the two cards are different by comparing the read card identification information in the processing of S4 and the processing of S2 to S3.
If the settlement processing unit 47a determines that the other card 10 is held over the reader / writer 30 (S4: YES), the process proceeds to S5, while if it is determined that the other card 10 is not held over (S4: NO). , S6.

In S5, the payment processing unit 47a performs a total charge balance display process.
The payment processing unit 47a performs this processing in the following order.
Here, an example in which a card 10B is held over as another card 10 will be described.
(1) The card identification information and the balance of the charge are read from the IC chip 16B of the card 10B.
(2) The total charge balance, which is the sum of the charge balance of the card 10B and the charge balance of the card 10A read in S2 to S3, is calculated.
(3) The settlement processing unit 47a compares the total remaining charge amount with the amount of the product selected on the touch panel 42.

(4) As shown in FIG. 4C, the total charge balance display screen 63 is displayed on the touch panel 42.
The total charge balance display screen 63 includes a product name display 63a, a quantity display 63b, a settlement amount display 63c, an enter button 63d, a charge balance display 63f, a charge balance display 63i of another card, a total charge balance display 63j, and a comparison result display 63k. Equipped with.
The respective displays 63a to 63d and 63f are similar to the respective displays 62a to 62d and 62f of the remaining charge balance display screen 62.
The charge balance display 63i of the other card indicates the charge balance of the card 10B.
The comparison result display 63k is information regarding the comparison result between the total remaining charge amount and the amount of money of the product selected on the touch panel 42. In this example, since the remaining charge amount is larger than the settlement amount, this display is “deficient 0 yen”.
Although the description is omitted, if the total remaining charge amount is insufficient for the settlement amount, the shortage amount may be displayed as in the above-described remaining charge amount display screen 62.
In this way, the settlement processing unit 47a can display information on the remaining charge amount and the total remaining charge amount of the card 10B on the touch panel 42 in response to the communication between the card 10B and the reader / writer 30. Further, similar to S3 described above, these information can be displayed on the touch panel 42 while accepting a product selection operation from the touch panel 42.

In this example, two cards 10A and 10B have been described, but the total charge balance display screen 63 (charge balance, amount comparison result display, etc.) can be displayed even with three or more cards 10.
In this way, the settlement apparatus 20 can confirm the total remaining charge amount of the plurality of cards 10. Therefore, the purchaser can confirm whether or not the product can be purchased by making payments with a plurality of cards 10 when the remaining charge amount is insufficient for one card 10, for example.

  In S6, the payment processing unit 47a determines whether or not any of the decision buttons 61d to 63d has been selected. If the settlement processing unit 47a determines that any one of these is selected, the process proceeds to S7, while if it is determined that none of them is selected (S6: NO), the process from S1 is repeated. .

In S7, the payment processing unit 47a receives the input of the destination of the product. In this processing, the payment processing unit 47a may display a destination input screen including a software keyboard or the like on the touch panel 42, for example.
In S8, as shown in FIG. 5A, the payment processing unit 47a displays a payment execution confirmation screen 64.
The payment execution confirmation screen 64 includes a product name display 64a, a quantity display 64b, a payment amount display 64c, a return button 64d, and a touch guidance display 64m.
The respective displays 64a to 64c are similar to the respective displays 61a to 61c of the product selection screen 61.

The return button 64d is a button operated when returning to the product selection screen 61.
The touch guidance display 64m is a display prompting the purchaser to hold the card 10 over the reader / writer 30. In this example, the text is "When the card is touched, payment is executed."
If the purchaser makes a mistake in the contents of the payment execution confirmation screen 64, he / she may operate the return button 64d. On the other hand, if the purchaser determines that the payment execution confirmation screen 64 is to be actually executed, the card 10 Over the reader / writer 30. When the card 10 is held over the reader / writer 30, the card 10 and the reader / writer 30 start communication.

  In S9, when the purchaser holds the card 10 over the reader / writer 30, the IC chip 16 of the card 10 and the payment processing unit 47a of the tablet terminal 40 start the payment processing. That is, the payment processing unit 47a starts the payment processing in response to the communication between the reader / writer 30 and the card 10.

The settlement processing unit 47a proceeds with the settlement process regardless of whether the card 10 read in the settlement process and the card 10 read in the processes up to S6 match. That is, the processing up to S6 and the processing after S9 are independent processing relating to the remaining charge amount.
Therefore, if the purchaser knows, for example, by the charge balance display screen 62 and the total charge balance display screen 63 described above that the charge balances of the cards 10A and 10B and the total charge balance are insufficient, it is sufficient. The payment may be made by changing to a card 10 having a sufficient charge balance.

In S10, the settlement processing unit 47a determines whether or not the remaining charge amount is sufficient for the settlement amount.
If the settlement processing unit 47a determines that the remaining charge amount is sufficient for the settlement amount (S10: YES), the process proceeds to S20, while if it is determined that the remaining charge amount is not sufficient (S10: NO), Proceed to S11.
The remaining charge amount used by the settlement processing unit 47a for this determination differs between the case of the processing only from S9 and the case of the processing from S14 described later.

Here, first, the remaining charge amount when the remaining charge amount of the card 10A is read by the processing of only S9 will be described. The remaining charge amount in the latter case will be described later.
After performing the same processing as S3, the settlement processing unit 47a determines that the remaining charge amount of one card 10A is not sufficient for the settlement amount (S10: NO), and proceeds to S11.

In S11, the payment processing unit 47a performs a balance shortage screen display process.
As shown in FIG. 5B, the settlement processing unit 47a displays the balance shortage screen 65 on the touch panel 42 in this process.
The balance shortage screen 65 includes a payment amount display 65c, a return button 65d, a charge balance amount display 65f, an amount comparison result display 65g, a total balance payment guidance display 65m, and a payment continuation button 65n.
The respective displays 65c and 65d are similar to the respective displays 64c and 64d of the settlement execution confirmation screen 64.
The respective displays 65f and 65g are similar to the respective displays 62f and 62g of the charge balance display screen 62. The payment processing unit 47a displays the respective displays 65f and 65g by performing the same processing as S3.

The total balance settlement guidance display 65m is a display for guiding the purchaser to perform the total balance settlement, that is, the total charge balance of the plurality of cards 10. In this example, the text is "Do you want to continue settlement with the total balance?"
The payment continuation button 65n is a button operated when the purchaser selects the total balance payment.
If the purchaser wants to return to the product selection screen 61, he / she can operate the return button 65d, and if he / she decides to make the total balance payment, he / she can operate the payment continuation button 65n.
Here, an example in which the purchaser operates the payment continuation button 65n will be described.

In step S12, the payment processing unit 47a performs payment processing for the card 10A.
As shown in FIG. 5 (B), the settlement processing unit 47a subtracts all the remaining charge amount of the card 10A to update the remaining charge amount to 0 yen.

In S13, the payment processing unit 47a displays the touch instruction screen 66 of another card on the touch panel 42.
The touch instruction screen 66 for other cards is a screen for prompting the user to hold the card 10 other than the card 10A over the reader / writer 30.
According to this screen, the purchaser may separate the card 10A from the reader / writer 30 and then hold the card 10B, which is the other card 10, over the reader / writer 30.
As a result, the card 10B and the reader / writer 30 start communication.

In S14, the settlement processing unit 47a performs a total charge balance calculation process.
The payment processing unit 47a performs this processing in the following order.
(1) The card identification information and the balance of the charge are read from the IC chip 16B of the card 10B.
(2) The total charge balance, which is the sum of the charge balance of the card 10B and the payment amount of the card 10A in S12 (that is, the charge balance of the card 10A read in S10), is calculated.
Then, the payment processing unit 47a returns to the processing from S10.

In the processing of S10 that is repeated, the settlement processing unit 47a uses the total remaining charge amount of the plurality of cards 10A and 10B as the remaining charge amount, and determines whether or not the amount is sufficient for the settlement amount.
In this example, the total remaining charge is sufficient for the settlement amount (S10: YES), and the process proceeds to S20.

  In this example, the two cards 10A and 10B have been described, but even with three or more cards 10, it is possible to use the total remaining charge to determine whether or not the payment amount is sufficient.

In S20, as shown in FIG. 5D, the payment processing unit 47a performs the payment processing of the card 10B.
That is, the payment processing unit 47a subtracts the shortage amount "6000 yen" from the remaining charge amount of the card 10B to update the remaining charge amount to 1,000 yen.

The payment processing unit 47a also displays a payment completion screen 67 on the touch panel 42. The settlement completion screen 67 of FIG. 5D is an example of the case where the total balance settlement is performed with the cards 10A and 10B.
The payment completion screen 67 includes a payment amount display 67c, a card payment result display 67o, and another card payment result display 67p.
The settlement amount display 67c indicates the total amount settled by the total balance settlement.
The card payment result display 67o shows the payment details of the card 10A in S12. In this example, the display is “card 10A balance 5000 yen → 0 yen”.
The other card payment result display 67p shows the payment details of the card 10B in S20. In this example, the display is “card 10B balance 7000 yen → 1000 yen”.
By confirming these displays, the purchaser can confirm the remaining charge amount of the card 10 after settlement.

In S21, the payment processing unit 47a communicates with the server 50 to transmit information about payment to the server 50.
The payment processing unit 47a associates the post-update charge balance, the product, the delivery address, and the like with the card identification information read from the identification information storage unit 16a of the IC chip 16 (16A, 16B) as the information regarding the payment. Send things.
Although detailed description is omitted, when the control unit 57 of the server 50 receives these information, the control unit 57 updates the information in the storage unit 56 by performing the same processing as S12 and S20. As a result, the information in the IC chip 16 of the card 10 and the information in the storage unit 56 of the server 50 match. The information in the storage unit 56 of the server 50 is used, for example, when the card 10 is reissued due to a card loss.
Note that the communication with the server 50 is not limited to this mode of sequential execution, and may be, for example, every few minutes, every several payments, or a fixed time.
If the management of the card 10 and the management of the product are different operators, the control unit 47 sends information such as the product and the delivery address to the server (not shown) of the product administrator. You can send it.
Then, the control unit 47 of the tablet terminal 40 ends the process.

  As described above, the payment device 20 of the present embodiment displays the remaining charge amount of the card 10 when selecting a product. Therefore, the purchaser can proceed to the payment processing after confirming that the remaining charge amount of the card 10 is sufficient for the payment amount, so that the payment system 1 can smoothly perform the payment processing.

  Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and various modifications and changes can be made, such as modifications described below, which are also applicable. It is within the technical scope of the present invention. In addition, the effects described in the embodiments are merely enumeration of the most suitable effects generated by the present invention, and the effects according to the present invention are not limited to those described in the embodiments. The embodiment described above and the modification described later can be appropriately combined and used, but detailed description thereof will be omitted.

(Variation)
(1) In the embodiment, the payment device displays an example in which “insufficient 0 yen” is displayed when the remaining charge amount and the total remaining charge amount are sufficient, but the present invention is not limited to this.
In this case, the payment device may display, on the touch panel, the amount of money (the remaining amount of charge remaining after deduction) obtained by subtracting the amount of payment from the remaining charge amount, for example. In this case, the purchaser can confirm the amount of money that can be additionally purchased in addition to the selected product.

(2) In the embodiment, when the payment device communicates with another card by exchanging the card held over the reader / writer, the result of comparison between the total charge remaining amount of the card and the other card and the payment amount Although the example of displaying the information on the touch panel is shown, the invention is not limited to this.
In this case, the payment device may display information on the result of comparison between the remaining charge amount of the other card and the payment amount on the touch panel. In this case, the purchaser can confirm the information regarding the comparison result between each card and the payment amount.

(3) In the embodiment, the payment device includes the touch panel that also serves as the display unit and the operation unit, but the present invention is not limited to this. The payment device may include, for example, a display unit such as a liquid crystal display device, and a mechanical operation unit (for example, a button, a cross key, a lever, a keyboard, etc.) that receives a purchaser's operation. As described above, the payment device may have a configuration in which the display unit and the operation unit are independent.

  1 ... Payment system 10, 10A, 10B ... Card 16, 16A, 16B ... IC chip 16b ... Balance storage unit 20 ... Payment device 30 ... Reader / writer 40 ... Tablet type terminal 42 ... Touch panel 45 ... Communication unit 46 ... Storage unit 46a ... Payment program 47 ... Control unit 47a ... Payment processing unit 50 ... Server

Claims (4)

An operation unit that accepts the purchaser's operations,
Display part,
A reader / writer that communicates with a charge-type card that includes an IC chip that stores the remaining charge amount;
And a control unit,
The control unit is
While accepting a product selection operation from the operation unit, the remaining charge amount is read according to the communication between the card and the reader / writer, and the remaining amount display process is performed to display information regarding the remaining charge amount on the display unit.
After accepting a product determination operation from the operation unit, in response to the communication between the card and the reader / writer, a payment process that is a process of updating the amount of the determined product by subtracting it from the remaining charge of the IC chip of the card. the stomach line,
In the balance display processing, when communicating with a plurality of cards, displaying information on the total charge balance of a plurality of cards and the comparison result of the amount of money of the product selected on the operation unit on the display unit,
Payment device characterized by. The payment device according to claim 1,
The control unit performs payment in the payment process regardless of whether the card communicated in the payment process and the card communicated in the balance display process match.
Payment device characterized by. In the payment device according to claim 1 or 2,
In the balance display process, the control unit displays, on the display unit, information about a comparison result of the charge balance and the amount of the product selected by the operation unit as the information about the charge balance.
Payment device characterized by. The payment device according to any one of claims 1 to 3 ,
A touch panel that doubles as the operation unit and the display unit;
Payment device characterized by.

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