JP6940193B1 - Payment systems, payment methods and payment programs - Google Patents

Abstract

PROBLEM TO BE SOLVED: To realize a payment system capable of simultaneously executing a payment process and a currency exchange process. SOLUTION: A payment system 1 according to one form of the present disclosure includes a payment device 2 in which product information for payment of a product purchased by a customer is registered, and a money processing device 3 for processing money input by the customer. , A control device 4 for controlling the payment device 2 and the money processing device 3. The control device 4 controls the money processing device 3 so as to execute money exchange while the product information is registered in the payment device 2. [Selection diagram] Fig. 1

Description

The present disclosure relates to payment systems, payment methods and payment programs.

In recent years, a payment system capable of performing a payment process for settling a product purchased by a customer and a currency exchange process for exchanging input money, as disclosed in Patent Documents 1 and 2, has been put into practical use. ing. Such a payment system is configured to execute exchange processing based on an exchange mode or a command for switching to a single operation command.

Japanese Unexamined Patent Publication No. 2005-4346 Japanese Unexamined Patent Publication No. 2010-39584

The payment systems of Patent Documents 1 and 2 are configured to execute only one of the payment processing and the exchange processing, and have a problem that the settlement processing and the exchange processing cannot be executed at the same time.

One of the objectives to be achieved by the embodiments disclosed herein is to provide a payment system, payment method and payment program that contributes to the solution of the problem. It should be noted that this object is only one of the purposes that the plurality of embodiments disclosed herein seek to achieve. Other objectives or issues and novel features will be apparent from the description or accompanying drawings herein.

The payment system of the first aspect is
A payment device that registers product information for payment of products purchased by customers, and
A money processing device that processes the money input by the customer,
A control device that controls the payment device and the money processing device,
With
The control device controls the money processing device so as to execute the exchange of money while the product information is registered in the payment device.

The payment method of the second aspect is
The process of registering product information for payment of products purchased by customers, and
The process of executing the exchange of money inserted by the customer while registering the product information, and
To be equipped.

The payment program of the third aspect is
The process of registering product information for payment of products purchased by customers, and
The process of executing the exchange of money inserted by the customer while registering the product information, and
Let the computer run.

According to the above aspect, it is possible to realize a payment system, a payment method, and a payment program capable of simultaneously executing a payment process and a currency exchange process.

It is a block diagram which shows the structure of the payment system of Embodiment 1. FIG. It is a block diagram which shows the structure of the payment system of Embodiment 2. It is a perspective view which shows the appearance of the payment apparatus of the payment system of Embodiment 2. It is a block diagram which shows the structure of the 3rd input part in the payment system of Embodiment 2. It is a perspective view which shows the appearance of the money processing apparatus of the payment system of Embodiment 2. It is a flowchart which shows the flow of the payment method of Embodiment 2. It is a flowchart which shows the flow of the payment method of Embodiment 2. It is a flowchart which shows the flow of the payment method of Embodiment 2. It is a figure which shows the display example of the incentive image which gives an incentive of the reverse exchange processing of money to a customer. It is a figure which shows the image which shows the type and the number of money of money, and the display example of the 1st decision part and the 2nd decision part. It is a figure which shows the display example of the image which shows that the input amount is insufficient with respect to the total purchase amount of a product. It is a figure which shows an example of the hardware configuration included in a payment system.

Hereinafter, the best mode for carrying out the present disclosure will be described with reference to the accompanying drawings. However, the present disclosure is not limited to the following embodiments. Further, in order to clarify the explanation, the following description and drawings have been simplified as appropriate.

<Embodiment 1>
The payment system and payment method of the present embodiment will be described. FIG. 1 is a block diagram showing a configuration of a payment system according to the present embodiment. As shown in FIG. 1, the payment system 1 includes a payment device 2, a money processing device 3, and a control device 4.

Product information for payment of a product purchased by a customer is registered in the payment device 2. The money processing device 3 processes the money input by the customer. The control device 4 controls the payment device 2 and the money processing device 3. At this time, the control device 4 can control the money processing device 3 so as to execute the exchange of money while the product information is registered in the payment device 2.

As described above, the payment system 1 and the payment method of the present embodiment can exchange money input by the customer while the product information is registered. That is, the settlement process and the exchange process can be executed at the same time.

<Embodiment 2>
A payment system and a payment method according to a preferred embodiment will be described. First, the configuration of the payment system of the present embodiment will be described. FIG. 2 is a block diagram showing the configuration of the payment system of the present embodiment. FIG. 3 is a perspective view showing the appearance of the payment device of the payment system of the present embodiment. FIG. 4 is a block diagram showing a configuration of a third input unit in the payment system of the present embodiment. FIG. 5 is a perspective view showing the appearance of the money processing device of the payment system of the present embodiment.

As shown in FIG. 2, the payment system 11 of the present embodiment includes a payment device 21, a money processing device 31, and a control device 41. The payment device 21 includes, for example, a first input unit 22, a second input unit 23, a first display unit 24, a third input unit 25, a second display unit 26, a speaker 27, and a receipt printer 28. ing.

Specifically, the payment device 21 is, for example, a POS (Point Of Sale) terminal capable of face-to-face self-payment as shown in FIG. 3, provided with a first input unit 22 as a keyboard, and a display for store employees. A second input unit 23 and a first display unit 24 are provided as a combined operation panel, and a third input unit 25 and a second display unit 26 are provided as a customer display / operation panel.

Then, as shown in FIG. 4, the third input unit 25 is operated by the customer to execute the exchange processing, the first determination unit 25a, and the third input unit 25a, which is operated by the customer to execute the payment processing. The determination unit 25b of 2 is provided.

Although details of such a payment device 21 will be described later, product information (that is, product price, product code, etc.) purchased by a customer via a first input unit 22 or a second input unit 23 by a store employee. The configuration is such that the settlement process of the product is executed by registering the quantity, discount, etc.) and instructing (that is, determining) the settlement process via the second determination unit 25b.

Since the processing of the payment device 21 can employ the processing of a general payment device, detailed description thereof will be omitted. However, the product code or the like may be registered via a barcode reader, a self-order terminal, a handy terminal, or the like.

As shown in FIGS. 2 and 5, the money processing device 31 includes a coin insertion unit 32, a coin discharge unit 33, a bill insertion / discharge unit 34, and a money identification sensor 35. Although the details of such a money processing device 31 will be described later, when the money deposited (that is, inserted) from the coin insertion unit 32 and the bill insertion / discharge unit 34 passes through the money transfer path, the money identification sensor 35 is used. Detects the type and number of coins, executes forward exchange processing or reverse exchange processing on the deposited money, and withdraws (that is, discharges) change when the goods are settled.

As the mechanism of the money processing device 31, a general mechanism of the money processing device 31 can be adopted, and therefore detailed description thereof will be omitted. Here, in the forward exchange process, the equivalent payout process from the high denomination to the low denomination is executed, and in the reverse exchange process, the equivalent payout process from the low denomination to the high denomination is executed.

Although the details will be described later, the control device 41 performs payment processing of the product purchased by the customer based on the operation of the first input unit 22, the second input unit 23, or the third input unit 25 of the payment device 21. The payment device 21 is used to execute the payment device 21, or to cause the money processing device 31 to execute the exchange processing of the money deposited from the coin insertion unit 32 or the bill insertion / discharge unit 34 of the money processing device 31. And the money processing device 31 is controlled.

Next, the flow of the payment method of the present embodiment will be described. Here, in the following description, it is assumed that the customer is given an incentive for reverse exchange processing as exchange. However, when giving an incentive for the forward exchange process to the customer, it can be carried out in substantially the same manner as the following flow.

6 to 8 are flowcharts showing the flow of the payment method of the present embodiment. First, the payment system 11 is in a standby state in which money can be deposited from the coin insertion unit 32 and the bill insertion / discharge unit 34 of the money processing device 31 (S1).

Next, the control device 41 controls the payment device 21 so that the second display unit 26 of the payment device 21 displays an incentive image that gives the customer an incentive for the reverse exchange processing of money (S2). Here, FIG. 9 is a diagram showing a display example of an incentive image that gives the customer an incentive for the reverse exchange process of money.

On the second display unit 26, for example, as shown on the right side of FIG. 9, "the coins you have are exchanged to the minimum number of coins, which gives the customer an incentive for the reverse exchange processing of coins. An incentive image saying "Please insert a bill." Is displayed. That is, the second display unit 26 functions as an incentive unit that gives the customer an incentive for the reverse exchange processing of money. However, the customer may be given an incentive for the reverse exchange process of money by voice from the speaker 27.

Next, the control device 41 determines whether or not the customer has deposited money from the coin insertion unit 32 or the bill insertion / discharge unit 34 of the money processing device 31 (S3). When the money identification sensor 35 of the money processing device 31 discriminates the type of money deposited from the coin insertion unit 32 and the bill insertion / discharge unit 34 and outputs information indicating the discrimination result to the control device 41, the control device 41 , Recognizes the deposit event in which money is deposited in the currency processing device 31 (YES in S3), and integrates the number of coins for each type of currency (S4).

Next, the control device 41 determines whether or not the product information has been registered from the first input unit 22 or the second input unit 23 of the payment device 21 (S5). When a store employee registers product information via the first input unit 22 or the second input unit 23, and the first input unit 22 or the second input unit 23 outputs the product information to the control device 41. (YES in S5), the control device 41 recognizes the purchase event of the product.

Next, the control device 41 determines whether or not the registration of the product information is completed (S6). For example, when the product registration end information is input via the first input unit 22 or the second input unit 23 of the payment device 21, the control device 41 determines that the product information registration is completed (S6). YES), it is determined whether or not the total amount of money deposited is equal to or greater than the total purchase amount of the product (S7). On the other hand, when the control device 41 determines that the registration of the product information has not been completed (NO in S6), the control device 41 returns to the step of S6.

Next, the control device 41 is an image showing the type and number of money deposited by the second display unit 26 of the payment device 21 when the total amount of money deposited is equal to or greater than the total purchase amount of the product (YES in S7). Is displayed, and the payment device 21 is controlled so as to display the first determination unit 25a and the second determination unit 25b (S8). Here, FIG. 10 is a diagram showing an image showing the type and number of coins, and a display example of the first determination unit and the second determination unit.

On the second display unit 26, for example, as shown in FIG. 10, an image showing the relationship between the type of money deposited and the number of coins (quantity), the first determination unit 25a and the second determination unit 25b are provided. Is displayed. At this time, on the second display unit 26, the product name to be purchased, the quantity, the total amount for each product, the subtotal, the quantity of all the products, the total purchase amount, etc. are displayed based on the product information, and the "input" is displayed. Would you like to see the inquiry image asking "Do you want to pay with the cash you received?"

When the customer commands the exchange processing of coins via the first determination unit 25a, the control device 41 executes the reverse exchange processing of the deposited coins and withdraws the reverse exchanged coins from the coin discharge unit 33. At the same time, the money processing device 31 is controlled so that the bills are withdrawn from the bill insertion / discharge unit 34, and the process returns to the process of S1 (S9). At this time, the payment process of the product is performed again by depositing the exchanged money from the coin insertion unit 32 or the bill insertion / discharge unit 34 of the money processing device 31, or via the second input unit 23 of the payment device 21. It is advisable to execute the payment process by registering customer information such as a credit card.

On the other hand, when the customer commands the payment processing of the product via the second determination unit 25b, the control device 41 executes the payment processing of the product using the deposited money, and the receipt printer 28 issues the receipt. The payment device 21 is controlled so as to be performed, and the process returns to the process of S1 (S9). At this time, the control device 41 controls the money processing device 31 so that when the total amount of money deposited is larger than the total purchase amount of the product, the change is withdrawn from the coin discharging unit 33 or the bill insertion / discharging unit 34. do.

When the total amount of money deposited is less than the total purchase amount of the product (NO in S7), the control device 41 displays an image indicating that the input amount is insufficient for the total purchase amount of the product. The payment device 21 is controlled so that the display unit 26 displays it (S10). Here, FIG. 11 is a diagram showing a display example of an image indicating that the input amount is insufficient with respect to the total purchase amount of the product.

On the second display unit 26, for example, as shown in FIG. 11, "Insufficient cash. Please insert into the money processing device" indicating that the input amount is insufficient for the total purchase amount of the product. "Is displayed. Also at this time, it is preferable that the second display unit 26 displays the product name and quantity to be purchased, the total amount of each product, the subtotal, the quantity of all products, the total purchase amount, and the like based on the product information.

In the control device 41, the customer inserts the coin insertion unit 32 or the bill insertion unit of the money processing device 31 between the time when the image indicating that the input amount is insufficient is displayed on the second display unit 26 and the time when a predetermined period elapses. -It is determined whether or not money has been deposited from the discharge unit 34 (S11).

When the customer deposits money from the coin insertion unit 32 or the bill insertion / discharge unit 34 of the money processing device 31 (YES in S11), the process returns to the process of S7. On the other hand, when the customer does not deposit money from the coin insertion unit 32 or the bill insertion / discharge unit 34 of the money processing device 31 (NO in S11), the control device 41 invalidates the settlement process and deposits the deposited money. The settlement device 21 and the money processing device 31 are controlled so as to withdraw money from the coin discharging unit 33 and the bill insertion / discharging unit 34, and the process returns to the process of S1.

When the information indicating the discrimination result is not input from the money identification sensor 35 of the money processing device 31 (NO in S3), that is, when the control device 41 does not recognize the deposit event, as shown in FIG. 7, the control device 41 of the payment device 21 It is determined whether or not the product information is registered from the first input unit 22 and the second input unit 23 (S12).

When a store employee registers product information via the first input unit 22 or the second input unit 23, and the first input unit 22 or the second input unit 23 outputs the product information to the control device 41. , The control device 41 recognizes the purchase event of the product (YES in S12).

Next, the control device 41 determines whether or not the customer has deposited money from the coin insertion unit 32 or the bill insertion / discharge unit 34 of the money processing device 31 before the registration of the product information is completed (S13). ). When it is determined that the customer has not deposited money from the coin insertion unit 32 or the bill insertion / discharge unit 34 of the money processing device 31 (NO in S13), the control device 41 is the total of the product name, quantity, and product to be purchased. The payment device 21 is controlled so that the second display unit 26 displays an incentive image that gives the customer an incentive for payment of the amount, the subtotal, the quantity of all products, the total purchase amount, and the total purchase amount (S14).

Next, between the time when the second determination unit 25b and the like are displayed on the second display unit 26 and the time when a predetermined period elapses, the customer enters the coin insertion unit 32 and the bill insertion / discharge unit of the money processing device 31. It is determined whether or not the total purchase amount of money has been deposited from 34 (S15).

When the customer deposits the total amount of money purchased from the coin insertion unit 32 or the bill insertion / discharge unit 34 of the money processing device 31 (YES in S15), the control device 41 uses the deposited money to process the settlement of the product. This is executed to control the payment device 21 so that the receipt printer 28 issues a receipt, and the process returns to the process of S1 (S16).

On the other hand, if the purchase event of the product is not recognized (NO in S12), the process returns to the process of S1. Further, if the customer deposits money from the coin insertion unit 32 or the bill insertion / discharge unit 34 of the money processing device 31 before the registration of the product information is completed (YES in S13), the process proceeds to S4. If the customer does not deposit the total amount of money purchased from the coin insertion unit 32 or the bill insertion / discharge unit 34 of the money processing device 31 (NO in S15), the settlement process is invalidated and the process returns to the process of S1.

When the purchase event of the product is not recognized (NO in S5), as shown in FIG. 8, the control device 41 uses the image showing the type and number of deposited coins and the first determination unit 25a as the second. The payment device 21 is controlled so that the display unit 26 displays it (S17).

Then, the control device 41 allows the customer to wait from the time when the type of money deposited on the second display unit 26, the image showing the number of coins, and the first determination unit 25a are displayed until a predetermined period elapses. It is determined whether or not the money exchange process is ordered via the first determination unit 25a (S18).

When the customer commands the currency exchange process via the first determination unit 25a (YES in S18), the control device 41 executes the reverse exchange process of the deposited coins and ejects the reverse exchanged coins to the coin discharge unit. The coin processing device 31 is controlled so as to withdraw from 33 and withdraw bills from the bill insertion / discharge unit 34, and the process returns to the process of S1 (S19).

On the other hand, when the customer does not instruct the currency exchange process via the first determination unit 25a (NO in S18), the control device 41 ejects the deposited money into the coin discharge unit 33 or the bill insertion / discharge unit 34. The money processing device 31 is controlled so as to withdraw money from, and the process returns to the process of S1.

As described above, the payment system 11 and the payment method of the present embodiment can exchange money input by the customer while the product information is registered. That is, the settlement process and the exchange process can be executed at the same time.

Moreover, in the payment system 11 and the payment method of the present embodiment, the money deposited in the coin insertion unit 32 and the bill insertion / discharge unit 34 of the money processing device 31 during the payment processing of the product is used for the payment processing of the product. Since it can be used, it can contribute to shortening the settlement time of the product.

In addition, the customer can exchange money while registering the product information of the product to be purchased. Therefore, when the customer exchanges money in order, it is possible to settle without change when the product is settled, and when the customer exchanges money in reverse, it becomes easier to understand the type and number of coins owned, and the payment of the product becomes easier. It can be carried out.

<Other embodiments>
Although the present disclosure has been described as a hardware configuration in the above-described first and second embodiments, the present disclosure is not limited thereto. The present disclosure can also be realized by causing a CPU (Central Processing Unit) to execute a computer program to process each component.

For example, the payment system of the above embodiment can be provided with the following hardware configuration. FIG. 12 is a diagram showing an example of a hardware configuration included in the payment system.

The device 51 shown in FIG. 12 includes a processor 53 and a memory 54 together with the interface 52. The payment system described in the above embodiment is realized by the processor 53 reading and executing the program stored in the memory 54. That is, this program is a program for making the processor 53 function as the payment system of the above embodiment.

The programs described above are stored using various types of non-transitory computer readable medium and can be supplied to a computer (a computer including an information notification device). Non-transient computer-readable media include various types of tangible storage media. Examples of non-temporary computer-readable media include magnetic recording media (eg, flexible disks, magnetic tapes, hard disk drives), magneto-optical recording media (eg, magneto-optical disks). Further, this example includes a CD-ROM (Read Only Memory), a CD-R, and a CD-R / W. Further, this example includes semiconductor memories (eg, mask ROM, PROM, EPROM, flash ROM, RAM). The program may also be supplied to the computer by various types of transient computer readable medium. Examples of temporary computer-readable media include electrical, optical, and electromagnetic waves. The temporary computer-readable medium can supply the program to the computer via a wired communication path such as an electric wire and an optical fiber, or a wireless communication path.

The above embodiment is merely an example relating to the application of the technical idea obtained by the inventor of the present invention. That is, the technical idea is not limited to the above-described embodiment, and it goes without saying that various changes can be made.

1 Payment system 3 Money processing device 4 Control device 11 Payment system 21 Payment device, 22 First input unit, 23 Second input unit, 24 First display unit, 25 Third input unit, 25a First determination Unit, 25b Second determination unit, 26 Second display unit, 27 Speaker, 28 Receipt printer 31 Money processing device, 32 Coin insertion unit, 33 Coin ejection unit, 34 Banknote insertion / ejection unit, 35 Money identification sensor 41 Control Equipment 51 equipment, 52 interfaces, 53 processors, 54 memories

Claims (6)

A payment device that registers product information for payment of products purchased by customers, and
A money processing device that processes the money input by the customer,
A first decision unit provided in the payment device and operated by the customer to exchange the money.
The customer to exchange money so that the money put into the money processing device for exchange is used for the settlement of the goods, which is provided in the payment device provided with the first determination unit. A second decision unit operated by the customer in order to control a payment device provided with a first decision unit operated by
A control device that controls the payment device and the money processing device,
With
The first determination unit can be operated by the customer while the product information is registered in the payment device provided with the first determination unit.
When the customer operates to exchange the money through the first determination unit while the product information is registered in the payment device provided with the first determination unit, the control device operates. , The money processing device so as to execute the exchange of the money while the product information is registered in the payment device provided with the first determination unit operated by the customer to exchange the money. A payment system to control. The payment system according to claim 1, wherein the currency exchange is a reverse currency exchange that minimizes the number of coins. The payment system according to claim 1 or 2, further comprising an incentive unit that provides the customer with an incentive for reverse exchange that minimizes the number of coins. The payment system according to claim 3 , wherein the incentive unit gives the incentive to the customer while the product information is registered in the payment device. The process in which the payment device registers product information for payment of products purchased by customers, and
When the customer orders money exchange processing while the product information is registered in the payment device provided with the first determination unit via the first determination unit provided in the payment device. , While the control device is registering the product information in the payment device provided with the first determination unit operated by the customer to command the money exchange process , the customer inputs the product. The process of controlling a money processing device to perform money exchange, and
The money for the customer to exchange through a second decision unit provided in a payment device provided with the first decision unit operated by the customer to command the exchange process of the money. When instructing the settlement processing of the goods using the money inserted into the processing device, the control device orders the exchange processing of the goods to execute the settlement of the goods using the inserted money. A step of controlling a payment device provided with the first determination unit operated by the customer for the purpose.
A payment method that includes. The process of registering product information for payment of products purchased by customers by the payment device, and
When the customer orders money exchange processing while the product information is registered in the payment device provided with the first determination unit via the first determination unit provided in the payment device. , While registering the product information in the payment device provided with the first determination unit operated by the customer to instruct the exchange processing of the money, the exchange of money inserted by the customer is performed. The process of controlling the monetary processor to execute, and
The money for the customer to exchange through a second decision unit provided in a payment device provided with the first decision unit operated by the customer to command the exchange process of the money. When instructing the settlement processing of the goods using the money put into the processing device, the customer is instructed to exchange the money to execute the settlement of the goods using the put in money. A process of controlling a payment device provided with the first determined unit that has been operated, and
A payment program that lets your computer run.

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