JP7048203B2 - Debit payment system and debit payment method - Google Patents

Description

The present invention relates to a debit payment system and a debit payment method capable of efficiently purchasing goods and cashing out at a store.

Conventionally, an automated teller machine (ATM) has been installed in stores such as convenience stores, and users often use this automated teller machine to withdraw desired cash from their bank accounts. Considering the installation space and cost of stores, it is difficult to introduce automatic teller machines in every store.

For this reason, there is known a technique for cashing out using a cash register terminal provided in a store. For example, in Patent Document 1, if the cash-out flag is not included, the product amount is set as the settlement amount, and if the cash-out flag is included, the settlement amount is the product amount plus a fee. A cash-out processing system is disclosed that is configured to execute cash provision processing when a payment instruction is given by setting and a withdrawal completion notification is received for a payment instruction including a cash-out flag.

Japanese Unexamined Patent Publication No. 2008-77481

However, the above-mentioned Patent Document 1 has a problem that it cannot properly meet the needs of users because it performs an alternative process of purchasing a product by bank settlement or cashing out cash. There is.

Specifically, users who visit convenience stores rarely come to the store only for the purpose of cashing out, but rather often want to cash out at the same time as purchasing the product. This is because if the purpose is only cash out, it is considered that the contractor's bank with a low fee or a store equipped with an automated teller machine will be visited.

In such a case, according to the above-mentioned Patent Document 1, it is necessary to perform two payment processes, that is, the purchase of the product by the bank payment and the cash out, and the user cannot quickly achieve the desired purpose. In addition, if the queue at the cash register is long and the user performs the payment process twice, a situation arises in which the user in the queue is made to wait further.

The present invention has been made to solve the above-mentioned problems of the prior art, and an object of the present invention is to provide a debit payment system and a debit payment method capable of efficiently purchasing products and cashing out at a store. ..

In order to solve the above-mentioned problems and achieve the object, the present invention is a notification unit that notifies the debit terminal of the store of the settlement request amount including the product amount of the product to be purchased by the user and the withdrawal amount of the user. A payment terminal having a payment processing unit that performs payment processing for the product and withdrawal processing for the withdrawal amount when receiving a notification from the debit terminal that the debit payment request has been accepted, and the above. The management is provided with a debit terminal that makes a debit payment request including a payment request amount notified from the payment terminal to a predetermined management device and notifies the payment terminal of the debit payment result notified from the management device. The device further includes a withdrawal usage fee processing unit that manages collection and payment of the withdrawal usage fee of the withdrawal amount by a debit card, and the withdrawal usage fee processing unit collects the withdrawal usage fee from the user's savings bank. However, it is characterized by managing to pay a part of it to the store .

Further, in the above invention, in the above invention, when the payment processing unit receives a notification from the debit terminal that the debit payment request has been accepted, the change machine is instructed to withdraw the money including the withdrawal amount. The change machine is characterized in that the withdrawal amount included in the withdrawal instruction received from the payment terminal is paid out.

Further, the present invention is characterized in that, in the above invention, the payment terminal further includes a code reading unit for reading a code indicating the product price and / or the withdrawal price.

Further, the present invention is characterized in that, in the above invention, the payment terminal further includes an input receiving unit that receives input of the withdrawal amount from the user.

Further, the present invention has a notification unit for notifying the debit terminal of the store of the payment request amount consisting of the withdrawal amount of the user, and a change machine when receiving a notification from the debit terminal that the debit payment request has been accepted. A payment terminal having a withdrawal instruction unit that gives a withdrawal instruction including the withdrawal amount, and a debit payment request including the payment request amount notified from the payment terminal are made to a predetermined management device. The management device includes a debit terminal that notifies the payment terminal of the debit payment result notified from the management device, and a change machine that pays out the withdrawal amount included in the withdrawal instruction received from the payment terminal. The withdrawal usage fee processing unit that manages the collection and payment of the withdrawal usage fee of the withdrawal amount by the debit card is further provided, and the withdrawal usage fee processing unit collects the withdrawal usage fee from the user's savings bank. It is characterized by managing the department to pay to the store .

Further, the present invention has a notification unit for notifying the debit terminal of the store of the payment request amount consisting of the withdrawal amount of the user, and a currency exchange machine when receiving a notification from the debit terminal that the debit payment request has been accepted. A payment terminal having a withdrawal instruction unit that gives a withdrawal instruction including the withdrawal amount, and a debit payment request including the payment request amount notified from the payment terminal are made to a predetermined management device. The management device includes a debit terminal that notifies the payment terminal of the debit payment result notified from the management device, and a currency exchange machine that pays out the withdrawal amount included in the withdrawal instruction received from the payment terminal. The withdrawal usage fee processing unit that manages the collection and payment of the withdrawal usage fee of the withdrawal amount by the debit card is further provided, and the withdrawal usage fee processing unit collects the withdrawal usage fee from the user's deposit bank. It is characterized by managing the department to pay to the store .

Further, the present invention comprises a payment request amount notification step in which the payment terminal notifies the debit terminal of the store of the payment request amount obtained by adding the product amount of the product to be purchased by the user and the withdrawal amount of the user, and the debit. The terminal makes a debit payment request including the payment request amount notified from the payment terminal to a predetermined management device, and notifies the payment terminal of the debit payment result notified from the management device. And, when the payment terminal receives a notification from the debit terminal that the debit payment request has been accepted, the payment processing step of performing the payment processing of the product and the withdrawal processing of the withdrawal amount is included. In the management device, the withdrawal usage fee processing step for managing the collection and payment of the withdrawal usage fee of the withdrawal amount by the debit card is further included, and the withdrawal usage fee processing step further includes the withdrawal usage fee as the user's savings bank. It is characterized by collecting from and managing to pay a part of it to the store .

Further, in the present invention, the payment terminal notifies the debit terminal of the store of the payment request amount consisting of the withdrawal amount of the user, and the debit terminal notifies the debit terminal of the payment request amount. A debit payment request including the above is made to a predetermined management device, and a payment result notification step of notifying the payment terminal of the debit payment result notified from the management device, and the payment terminal making a debit payment from the debit terminal. When the notification that the request has been accepted is received, the withdrawal instruction step for instructing the change machine to withdraw including the withdrawal amount and the withdrawal instruction received by the change machine from the payment terminal The withdrawal usage fee processing step includes a payout step for paying out the included withdrawal amount, and further includes a withdrawal usage fee processing step for managing the collection and payment of the withdrawal usage fee of the withdrawal amount by the debit card in the management device. Is characterized in that the withdrawal usage fee is collected from the user's savings bank and a part of the withdrawal usage fee is paid to the store .

Further, in the present invention, the payment terminal notifies the debit terminal of the store of the payment request amount consisting of the withdrawal amount of the user, and the debit terminal notifies the debit terminal of the payment request amount. A debit payment request including the above is made to a predetermined management device, and a payment result notification step of notifying the payment terminal of the debit payment result notified from the management device, and the payment terminal making a debit payment from the debit terminal. When the notification that the request has been accepted is received, the withdrawal instruction step for instructing the exchange machine to withdraw including the withdrawal amount and the withdrawal instruction received by the exchange machine from the payment terminal The withdrawal usage fee processing step includes a payout step for paying out the included withdrawal amount, and further includes a withdrawal usage fee processing step for managing the collection and payment of the withdrawal usage fee of the withdrawal amount by the debit card in the management device. Is characterized in that the withdrawal usage fee is collected from the user's deposit bank and a part of the withdrawal usage fee is paid to the store .

According to the present invention, it is possible to efficiently purchase goods and cash out at a store.

FIG. 1 is an explanatory diagram for explaining the concept of the debit payment system according to the first embodiment. FIG. 2 is an explanatory diagram of sharing of operating costs in the debit payment system according to the first embodiment. FIG. 3 is a perspective view showing the appearance of a POS register, a change machine, and a debit terminal. FIG. 4 is a diagram showing an internal configuration of a POS register, a change machine, and a debit terminal. FIG. 5 is a flowchart showing a processing procedure related to debit settlement of the POS register. FIG. 6 is a diagram showing the configuration of the management server. FIG. 7 is an explanatory diagram of a processing procedure related to the management server. FIG. 8 is an explanatory diagram of cash out according to the second embodiment. FIG. 9 is an explanatory diagram of a configuration in which a money changer is used for withdrawal of cash out. FIG. 10 is a diagram showing an internal configuration of a money changer and a debit terminal. FIG. 11 is an explanatory diagram of operation when a money changer is used.

Hereinafter, preferred embodiments of the debit payment system and the debit payment method according to the present invention will be described in detail with reference to the accompanying drawings.

<Concept of debit payment system>
First, the concept of the debit payment system according to the first embodiment will be described. FIG. 1 is an explanatory diagram for explaining the concept of the debit payment system according to the first embodiment. As shown in FIG. 1, in this debit payment system, a POS (Point Of Sales) register 20, a change machine 30, and a debit terminal 40 are provided in a store 10.

The POS register 20, the change machine 30, and the debit terminal 40 are installed at the cash register in the front area where the product shelves are installed in the store 10 of a commercial facility such as a supermarket or a convenience store. The POS register 20 is a payment terminal that accepts input of product names and prices for products purchased by users and performs processing related to payment. The change machine 30 is a device connected to the POS register 20 to perform deposit processing of money handed over by the user to the cashier and to withdraw money as change. The debit terminal 40 is connected to the POS register 20 and is also connected to the management server 50 outside the store 10 to execute a process related to debit payment.

Debit settlement is a settlement performed by debiting the settlement amount from the deposit account using a debit card associated with the deposit account of a financial institution or the like. Normally, the POS register 20 calculates a product price that is the sum of the prices of the products to be purchased, and this product price is the settlement price. As described above, in addition to using a debit card for purchasing products, the debit payment system according to the present embodiment makes it possible to use the debit card for cash withdrawal.

Specifically, the POS register 20 accepts the input of the product amount (1) and the input of the withdrawal amount to be withdrawn in cash (2). The POS register 20 totals the product amount and the withdrawal amount to obtain the settlement request amount, and notifies the debit terminal 40 of the settlement request amount (3).

Upon receiving the notification of the payment request amount from the POS register 20, the debit terminal 40 reads the identification information from the debit card presented by the user (4) and manages the payment request including the debit card identification information and the payment request amount. It is transmitted to the server 50 (5).

When the management server 50 receives the payment request from the debit terminal 40, the management server 50 determines whether or not the payment request amount can be withdrawn from the deposit account associated with the identification information of the debit card. If the payment request amount can be withdrawn, the payment request amount is debited from the deposit account as the payment amount, and the payment permission is transmitted to the debit terminal 40 (6).

The debit terminal 40 notifies the POS register 20 of the payment permission received from the management server 50 (7). When the POS register 20 receives the payment permission from the debit terminal 40, the POS register 20 completes the payment process of the product and transmits a withdrawal instruction for the withdrawal amount to the change machine 30 (8). The change machine 30 receives a withdrawal instruction from the POS register 20 and pays out cash for the withdrawal amount (9).

As described above, in the debit payment system according to the first embodiment, the POS register 20 accepts the input of the withdrawal amount together with the product amount, executes the debit payment with the payment amount obtained by adding the product amount and the withdrawal amount, and purchases the product. At the same time, cash for the withdrawal amount can be handed to the user.

Next, the sharing of operating costs in the debit payment system according to the first embodiment will be described. FIG. 2 is an explanatory diagram of sharing of operating costs in the debit payment system according to the first embodiment. As described above, the debit terminal 40 of the store 10 is connected to the management server 50. As shown in FIG. 2, the management server 50 is connected to the member store management bank 60 and the savings bank 80.

The member store management bank 60 is responsible for withdrawing and transferring the payment amount in the payment by the debit card. The savings bank 80 is a financial institution in which a user or a store has opened a savings account, and particularly issues a debit card to the user. The merchant management bank 60 and the savings bank 80 are connected via the clearing center 70. When the user presents the debit card at the store 10 and requests the debit settlement, the settlement amount is deducted from the deposit account of the user of the savings bank 80, and the settlement amount is transferred to the deposit account of the store 10. The clearing center 70 establishes a debit settlement by processing the withdrawal from the user's deposit account and the transfer to the deposit account of the store 10.

Here, a settlement fee is levied on debit settlement. In this embodiment, the settlement fee paid by the store 10 to the management server 50 is 120 yen per case. The management server 50 pays the settlement fee to the member store management bank 60 as it is. The member store management bank 60 pays a settlement fee to the clearing center 70, but the settlement fee paid by the member store management bank 60 to the clearing center 70 is set to be less than the settlement fee received by the member store management bank 60 from the management server 50. The difference is the benefit of the member store management bank 60. In the example of FIG. 2, the settlement fee paid by the member store management bank 60 to the clearing center 70 is set to 40 yen per case, and the difference in the fees obtained by the member store management bank 60 is 80 yen per case. ..

The clearing center 70 pays the settlement fee from the member store management bank 60 to the savings bank 80 as it is. Therefore, the savings bank 80 will receive 40 yen per debit payment.

Here, in the debit payment system according to the present embodiment, the savings bank 80 pays the withdrawal usage fee for the withdrawal of cash by the debit card. Specifically, the savings bank 80 pays a withdrawal usage fee of 160 yen to the management server 50 for each cash withdrawal using a debit card. The management server 50 receives payment of the withdrawal usage fee from the savings bank 80 and pays the withdrawal usage fee to the store 10. The withdrawal usage fee paid by the management server 50 to the store 10 is set to be smaller than the withdrawal usage fee received by the management server 50 from the savings bank 80, and the difference thereof is the profit of the management server 50. In the example of FIG. 2, the withdrawal usage fee paid by the management server 50 to the store 10 is set to 140 yen per case, and the difference between the usage fees obtained by the management server 50 is 20 yen per case.

In this way, if the settlement fee is imposed on the debit payment and the withdrawal usage fee is imposed on the cash withdrawal by the debit card, the store 10 will charge the settlement fee and the withdrawal usage fee when the cash withdrawal by the debit card is performed. You can get the difference between. In FIG. 2, the store 10 can obtain a profit of 20 yen for each cash withdrawal by a debit card.

On the other hand, the savings bank 80 bears the difference between the settlement fee and the withdrawal usage fee. In FIG. 2, 120 yen is borne by the savings bank 80 for each cash withdrawal by debit card. This burden is smaller than the operating cost per transaction that would be expected if an automated teller machine was installed. Therefore, it is possible to reduce the burden on the savings bank 80 by providing withdrawals using a debit card instead of installing an automated teller machine at the store 10.

<Device configuration>
Next, the configuration of the POS register 20, the change machine 30, and the debit terminal 40 will be described. FIG. 3 is a perspective view showing the appearance of the POS register 20, the change machine 30, and the debit terminal 40. As shown in FIG. 3, the POS register 20 has an operation unit 22 such as an operation key operated by the cashier, a display unit 21a for the cashier, and a display unit 21b for the user.

The POS register 20 can be placed on the change machine 30. The change machine 30 has an operation display unit 32, a bill slot 33a, a bill slot 33b, a coin slot 34a, and a coin slot 34b. Further, the debit terminal 40 has a card reader 42, a display unit 43, and an operation unit 44.

FIG. 4 is a diagram showing the internal configurations of the POS register 20, the change machine 30, and the debit terminal 40. As shown in FIG. 4, the POS register 20 includes a display unit 21, an operation unit 22, a barcode reader 23, a printing unit 24, a communication unit 25, and a control unit 26. The display unit 21 includes a display unit 21a for the cashier and a display unit 21b for the user. The barcode reader 23 is a device that reads a barcode attached to a product. Further, the bar code may be used to specify the withdrawal amount, not limited to the product. That is, a barcode corresponding to a withdrawal amount such as 10,000 yen or 5,000 yen is prepared, and the withdrawal amount is specified by reading the barcode selected by the user. Although the barcode is illustrated here, a code coded by any method such as a QR code (registered trademark) can be used to specify the product information and the withdrawal amount.

The printing unit 24 is a printer for issuing a receipt on which the transaction details are printed when a transaction such as a product purchase or a cash withdrawal is performed. The communication unit 25 is a communication interface for communicating with the change machine 30 and the debit terminal 40.

The control unit 26 is a control unit that controls the entire POS register 20, and includes a settlement request amount calculation unit 26a, a settlement request processing unit 26b, a settlement processing unit 26c, and a receipt issuing unit 26d. Actually, the programs corresponding to these functional units are stored in a ROM or non-volatile memory (not shown), and these programs are loaded into the CPU (Central Processing Unit) and executed to calculate the payment request amount. The processes corresponding to the 26a, the settlement request processing unit 26b, the settlement processing unit 26c, and the receipt issuing unit 26d are executed.

The settlement request amount calculation unit 26a is a processing unit that calculates the settlement request amount by adding the product amount and the withdrawal amount when the input of the product amount and the input of the withdrawal amount are accepted. The product price can be input by the barcode reader 23 or the operation unit 22. Similarly, the withdrawal amount can be input by the barcode reader 23 or the operation unit 22. In addition, the user may input the withdrawal amount by himself / herself from a terminal that can be operated by the user.

The settlement request processing unit 26b is a processing unit that notifies the debit terminal 40 of the settlement request amount calculated by the settlement request amount calculation unit 26a and causes the debit terminal 40 to transmit the settlement request. An upper limit may be set for the payment request amount. When the settlement request amount calculated by the settlement request amount calculation unit 26a exceeds the upper limit, it is determined that the settlement is not possible without notifying the debit terminal 40 of the settlement request amount.

When the payment processing unit 26c receives the payment permission from the debit terminal 40, the payment processing unit 26c performs the payment processing of the product and the processing of transmitting the withdrawal instruction of the withdrawal amount to the change machine 30. If the debit terminal 40 receives that payment is not possible, the payment processing unit 26c notifies that payment cannot be made. This notification may be performed using, for example, a display output to the display unit 21. Further, the settlement processing unit 26c can perform cash settlement, credit settlement, and the like for the settlement of the product amount, but the description of these settlements will be omitted.

The receipt issuing unit 26d is a processing unit that issues a receipt after payment. The product name, amount, quantity, etc. of the product are printed on the receipt. When cash is withdrawn, the withdrawal amount is printed. Receipts for purchasing goods and receipts for cash withdrawals may be issued separately.

The debit terminal 40 has a communication unit 41, a card reader 42, a display unit 43, an operation unit 44, and a control unit 45. The communication unit 41 is a communication interface that communicates with the POS register 20 and the management server 50.

The card reader 42 is used to read the identification information from the debit card. The display unit 43 is used for displaying the operating state of the debit terminal 40 and the like. The operation unit 44 is used for inputting a personal identification number from the user and the like.

The control unit 45 is a control unit that controls the entire debit terminal 40, and has an authentication data reception unit 45a and a debit payment processing unit 45b. The authentication data receiving unit 45a accepts a personal identification number or the like input by the operation unit 44 as authentication data.

The debit payment processing unit 45b is a management server that includes a payment request amount notified from the POS register 20, debit card identification information read by the card reader 42, and authentication data received by the authentication data reception unit 45a. Send to 50. Then, the settlement result transmitted from the management server 50 is notified to the POS register 20. The settlement result is either a settlement permit indicating that settlement is possible or a settlement impossibility indicating that a settlement request cannot be made.

The change machine 30 has a communication unit 31, an operation display unit 32, a bill storage unit 33, a coin storage unit 34, and a control unit 35. The communication unit 31 is a communication interface that communicates with the POS register 20. The operation display unit 32 is an input / output interface such as a touch panel display, and is used for notifying the cashier and accepting operations by the cashier.

The bill storage unit 33 is a storage unit that stores bills for each denomination. The bill storage unit 33 identifies the denomination, authenticity, and the like of the bill inserted into the bill insertion slot 33a, and transports the bill to the corresponding storage. Further, the banknote storage unit 33 pays out the banknotes by ejecting the banknotes from the banknote ejection port 33b based on the withdrawal instruction from the control unit 35.

The coin storage unit 34 is a storage unit for storing coins for each denomination. The coin storage unit 34 identifies the denomination, authenticity, etc. of the coin inserted in the coin insertion slot 34a, and conveys the coin to the corresponding storage. Further, the coin storage unit 34 pays out coins by ejecting the coins from the coin ejection port 34b based on the withdrawal instruction from the control unit 35.

The control unit 35 is a control unit that controls the entire change machine 30. The control unit 35 notifies the POS register 20 of the total amount of money inserted, and withdraws the money based on the payment instruction from the POS register 20. Further, the control unit 35 manages the amount of money stored in the bill storage unit 33 and the coin storage unit 34 by denomination.

Next, the processing procedure related to the debit settlement of the POS register 20 will be described. FIG. 5 is a flowchart showing a processing procedure related to debit settlement of the POS register 20. The settlement request amount calculation unit 26a of the POS register 20 first accepts the input of the product amount (step S101) and the input of the withdrawal amount (step S102).

The settlement request amount calculation unit 26a calculates the settlement request amount by adding up the product amount and the withdrawal amount (step S103). The settlement request processing unit 26b determines whether or not the settlement request amount calculated by the settlement request amount calculation unit 26a is equal to or less than the upper limit (step S104). When the payment request amount exceeds the upper limit (step S104; No), the payment processing unit 26c notifies the display unit 21 that payment is not possible (step S110), and ends the processing.

If the settlement request amount calculated by the settlement request amount calculation unit 26a is equal to or less than the upper limit (step S104; Yes), the settlement request processing unit 26b debits the settlement request amount calculated by the settlement request amount calculation unit 26a. Notify the terminal 40 (step S105).

After that, if payment is not permitted but payment is not permitted from the debit terminal 40 (step S106; No), the payment processing unit 26c notifies the debit terminal 40 that payment is not possible by displaying output to the display unit 21 (step S110). End the process.

On the other hand, if the payment permission is received from the debit terminal 40 (step S106; Yes), the payment processing unit 26c setstles the product (step S107) and sends a withdrawal instruction of the withdrawal amount to the change machine 30. (Step S108). After step S108, the receipt issuing unit 26d issues a receipt (step S109) and ends the process.

<Management server configuration>
Next, the configuration of the management server 50 will be described. FIG. 6 is a diagram showing the configuration of the management server 50. As shown in FIG. 6, the management server 50 includes a display unit 51, an input unit 52, a communication unit 53, a storage unit 54, and a control unit 55.

The display unit 51 is a display device such as a liquid crystal display device. The input unit 52 is an input device such as a keyboard and a mouse. The communication unit 53 is a communication interface that communicates with the debit terminal 40, the server of the member store management bank 60, the server of the savings bank 80, and the like.

The storage unit 54 is a storage device such as a hard disk device or a non-volatile memory, and stores payment history data 54a, fee data 54b, and usage fee data 54c. The settlement history data 54a is data showing the history of settlement by debit settlement. The fee data 54b is data showing a history of settlement fees charged for debit settlement. The usage fee data 54c is data showing a history of withdrawal usage fees charged for withdrawing cash by a debit card.

The control unit 55 is a control unit that controls the entire management server 50, and has a debit payment processing unit 55a, a payment fee processing unit 55b, and a withdrawal usage fee processing unit 55c. Actually, the programs corresponding to these functional units are stored in a ROM or non-volatile memory (not shown), and these programs are loaded into the CPU (Central Processing Unit) and executed to execute the debit payment processing unit 55a. , The settlement fee processing unit 55b and the withdrawal usage fee processing unit 55c will each execute the corresponding processes.

The debit payment processing unit 55a receives the payment request from the debit terminal 40 and sends the debit payment request to the member store management bank 60. Then, a process of transmitting the payment result received from the member store management bank 60 to the debit terminal 40 is performed. Further, the debit payment processing unit 55a registers the content of the debit payment in the payment history data 54a.

The settlement fee processing unit 55b manages the collection and payment of the settlement fee related to the debit settlement, and registers the collection and payment history of the settlement fee in the fee data 54b.

The withdrawal usage fee processing unit 55c manages the collection and payment of the usage fee related to the withdrawal of cash by the debit card, and registers the collection and payment history of the usage fee in the usage fee data 54c.

Next, the processing procedure related to the management server 50 will be described. FIG. 7 is an explanatory diagram of a processing procedure related to the management server 50. First, the debit terminal 40 receives the notification of the payment request amount from the POS register 20 (step S201), reads the identification information from the debit card (step S202), and accepts the authentication data (step S203). Then, a payment request including the payment request amount, the debit card identification information, and the authentication data is transmitted to the management server 50 (step S204).

The management server 50 transmits the debit payment request to the bank server 90 of the member store management bank 60 based on the payment request received from the debit terminal 40 (step S211). The bank server 90 receives the debit payment request and executes the debit payment (step S221). In this debit settlement, the bank server 90 identifies the deposit account from the identification information of the debit card shown in the debit settlement request, and authenticates using the authentication data shown in the debit settlement request. If the authentication is successful and the balance of the deposit account is equal to or greater than the payment request amount, the bank server 90 determines that the payment is permitted. If the authentication fails, or if the balance of the deposit account is less than the payment request amount, the bank server 90 determines that payment is not possible. The bank server 90 transmits the payment result to the management server 50 (step S222).

The management server 50 transmits the payment result received from the bank server 90 to the debit terminal 40 (step S212). The debit terminal 40 transmits the payment result received from the management server 50 to the POS register 20 (step S205). Further, the management server 50 updates the payment history data 54a (step S213), the fee data 54b (step S214), and the usage fee data 54c (step S215) according to the payment result, and performs processing. finish.

As described above, in the debit payment system according to the present embodiment, the POS register 20 accepts the input of the withdrawal amount together with the product amount, executes the debit payment with the payment amount obtained by adding the product amount and the withdrawal amount, and purchases. Withdraw cash for the withdrawal amount together with the product. Therefore, it is possible to efficiently purchase products and cash out at the store.

Further, since the change machine 30 can be used for withdrawal related to cash out, the cash out service can be provided by effectively utilizing the existing equipment.

In addition, since the debit settlement fee is paid from the store side to the bank side and the cashout usage fee is paid from the bank side to the store side, it is possible to realize an operation that is advantageous for the store side. Furthermore, by making the difference between the fee and the usage fee borne by the bank lower than the cost required for installing and operating the automated teller machine, it is possible to realize an operation that is beneficial to the bank.

In the first embodiment, the cash-out accompanied by the purchase of the product has been described, but the purchase of the product is not indispensable, and it is possible to perform only the cash-out. In the second embodiment, cash out without purchasing a product will be described.

<When only cashing out with the POS register>
FIG. 8 is an explanatory diagram of cash out according to the second embodiment. In FIG. 8, as in the first embodiment, the store 10 is provided with a POS (Point Of Sales) register 20, a change machine 30, and a debit terminal 40.

In this configuration, when the POS register 20 accepts only the input of the withdrawal amount to be withdrawn in cash (1), the POS register 20 adds the fee for debit settlement to the withdrawal amount to obtain the settlement request amount (2), and the debit terminal Notify 40 of the payment request amount (3).

Upon receiving the notification of the payment request amount from the POS register 20, the debit terminal 40 reads the identification information from the debit card presented by the user (4) and manages the payment request including the debit card identification information and the payment request amount. It is transmitted to the server 50 (5).

When the management server 50 receives the payment request from the debit terminal 40, the management server 50 determines whether or not the payment request amount can be withdrawn from the deposit account associated with the identification information of the debit card. If the payment request amount can be withdrawn, the payment request amount is debited from the deposit account as the payment amount, and the payment permission is transmitted to the debit terminal 40 (6).

The debit terminal 40 notifies the POS register 20 of the payment permission received from the management server 50 (7). When the POS register 20 receives the payment permission from the debit terminal 40, the POS register 20 transmits a withdrawal instruction for the withdrawal amount to the change machine 30 (8). The change machine 30 receives a withdrawal instruction from the POS register 20 and pays out cash for the withdrawal amount (9).

As described above, in the debit payment system according to the second embodiment, when the POS register 20 accepts the input of the withdrawal amount, the debit payment is executed with the payment amount including the fee, and the cash for the withdrawal amount is given to the user. You can hand it over. That is, when the cash out is performed independently, the burden on the store 10 is reduced by collecting the debit settlement fee from the user.

<Cash out withdrawal from the money changer>
Withdrawals in cash out are not limited to change machines, and may be made by other devices. For example, a money changer can be used for cash out withdrawals. FIG. 9 is an explanatory diagram of a configuration in which a money changer is used for withdrawal of cash out.

In the configuration shown in FIG. 9, the store 110 is provided with a money changer 120 and a debit terminal 40. The change machine 120 accepts the input of coins and performs a currency exchange process of paying out a combination of coins having the same total amount but different denominations. Further, the money changer 120 has a function as a payment terminal for performing debit payment related to cash out.

Specifically, the money changer 120 accepts the input of the withdrawal amount to be withdrawn in cash (1), adds the fee for debit settlement to the withdrawal amount to obtain the settlement request amount (2), and makes the settlement request amount to the debit terminal 40. (3).

Upon receiving the notification of the payment request amount from the money changer 120, the debit terminal 40 reads the identification information from the debit card presented by the user (4) and manages the payment request including the debit card identification information and the payment request amount. It is transmitted to the server 50 (5).

When the management server 50 receives the payment request from the debit terminal 40, the management server 50 determines whether or not the payment request amount can be withdrawn from the deposit account associated with the identification information of the debit card. If the payment request amount can be withdrawn, the payment request amount is debited from the deposit account as the payment amount, and the payment permission is transmitted to the debit terminal 40 (6).

The debit terminal 40 notifies the change machine 120 of the payment permission received from the management server 50 (7). When the money changer 120 receives the payment permission from the debit terminal 40, the money changer 120 pays out cash for the withdrawal amount (8).

FIG. 10 is a diagram showing an internal configuration of a money changer 120 and a debit terminal 40. As shown in FIG. 10, the money changer 120 includes a communication unit 121, an operation display unit 122, a bill storage unit 123, a coin storage unit 124, and a control unit 125.

The communication unit 121 is a communication interface for communicating with the debit terminal 40. The operation display unit 122 is an input / output interface such as a touch panel display, and is used for notifying the user and accepting operations by the user.

The bill storage unit 123 is a storage unit that stores bills for each denomination. The bill storage unit 123 identifies the denomination, authenticity, etc. of the inserted bill and transports it to the corresponding storage. Further, the bill storage unit 123 pays out the bills based on the withdrawal instruction from the control unit 125.

The coin storage unit 124 is a storage unit for storing coins for each denomination. The coin storage unit 124 identifies the denomination, authenticity, etc. of the inserted coin and transports it to the corresponding storage. Further, the coin storage unit 124 pays out coins based on a withdrawal instruction from the control unit 125.

The control unit 125 is a control unit that controls the entire change machine 120. The control unit 125 includes a currency exchange processing unit 125a, a settlement request amount calculation unit 125b, a settlement request processing unit 125c, and a settlement processing unit 125d.

The exchange processing unit 125a is a processing unit that performs exchange processing for paying out a combination of coins having the same total amount as the inserted coins and different denominations.

The settlement request amount calculation unit 125b is a processing unit that calculates the settlement request amount by adding a fee to the withdrawal amount when the input of the withdrawal amount is received. The withdrawal amount can be input by the operation display unit 122 or the like.

The settlement request processing unit 125c is a processing unit that notifies the debit terminal 40 of the settlement request amount calculated by the settlement request amount calculation unit 125b and causes the debit terminal 40 to transmit the settlement request. An upper limit may be set for the payment request amount. When the settlement request amount calculated by the settlement request amount calculation unit 125b exceeds the upper limit, it is determined that the settlement is not possible without notifying the debit terminal 40 of the settlement request amount.

When a payment permission is received from the payment processing unit 125d and the debit terminal 40, a process of outputting a withdrawal instruction of the withdrawal amount to the bill storage unit 123 or the coin storage unit 124 is performed. If the debit terminal 40 receives that payment is not possible, the payment processing unit 125d notifies that payment cannot be made. This notification may be performed, for example, by using the display output to the operation display unit 122.

The debit terminal 40 has a communication unit 41, a card reader 42, a display unit 43, an operation unit 44, and a control unit 45. Since these configurations and operations are the same as those of the debit terminal 40 shown in the first embodiment, the description thereof will be omitted.

Next, the operation when using a money changer will be described. FIG. 11 is an explanatory diagram of operation when a money changer is used. First, the owner of the money changer 120 has a money changer 120 installed in the store 110 and a management terminal 130 for managing the debit terminal 40.

The management terminal 130 transmits fee-related information related to fee setting to the management server 50 (1). The management server 50 generates information on the fee collected by the money changer 120 based on the fee-related information (2), and notifies the store 110 of the fee (3).

At the store 110, a fee is set in the money changer 120, and when the user performs a cash-out operation, an explanation regarding the fee is notified (4). After that, if the user performs a cash-out operation, a payment request is transmitted from the debit terminal 40 of the store 10 to the management server 50 (5).

The management server 50 receives the payment request and executes the payment process (6), and as a result, cash is paid out from the money changer 120 (7). In addition, funds are transferred from the user's account, which is the user, to the account of the holder of the money changer 120 (8). The funds transferred at this time are the total of fees, withdrawal amounts, and usage fees. The management server 50 generates information related to the transfer of funds (9), notifies the user, the holder of the money changer 120, and the like of the information related to the transfer of funds (10), and ends the process.

As described above, in the debit payment system according to the second embodiment, when the input of the withdrawal amount is accepted, the debit payment is executed with the payment amount including the fee, and the cash for the withdrawal amount is handed to the user. Can be done. In this way, by collecting an appropriate fee from the user at the time of cash out, it is possible to reduce the burden when the store 10 provides the cash out service at the cash register and contribute to the spread of the cash out service.

It should be noted that Examples 1 and 2 do not limit the present invention, and the present invention can be carried out by appropriately changing the configuration and operation.

For example, a money changer may be connected to the POS register, and cash withdrawal related to cash out may be made from the money changer. Further, the change machine and the debit terminal may be connected so that cash out can be performed without using the POS register. Further, the debit terminal may have a function as a payment terminal. Further, the present invention can be applied to any money processing machine, not limited to a change machine or a money changer.

The debit payment system and the debit payment method of the present invention are useful for efficiently purchasing products and cashing out at stores.

10, 110 stores 20 POS registers 21, 43, 51 Display unit 22, 44 Operation unit 23 Bar code reader 24 Printing unit 25, 31, 41, 53, 121 Communication unit 26, 35, 45, 55, 125 Control unit 26a, 125b Settlement request amount calculation unit 26b, 125c Payment request processing unit 26c, 125d Payment processing unit 26d Receipt issuing unit 30 Change machine 32, 122 Operation display unit 33, 123 Banknote storage unit 34, 124 Coin storage unit 40 Debit terminal 42 Card reader 45a Authentication data reception department 45b Debit payment processing department 50 Management server 52 Input department 54 Storage unit 55a Debit payment processing department 55b Payment fee processing department 55c Withdrawal usage fee processing department 60 Merchant management bank 70 Clearing center 80 Deposit bank 90 Bank center 120 Currency exchange machine 125a Currency exchange processing unit 130 Management terminal

Claims (9)

A notification unit that notifies the debit terminal of the store of the payment request amount, which is the sum of the product amount of the product to be purchased by the user and the withdrawal amount of the user, and a notification that the debit payment request has been accepted from the debit terminal. A payment terminal having a payment processing unit that performs payment processing for the product and withdrawal processing of the withdrawal amount when received.
It is provided with a debit terminal that makes a debit payment request including a payment request amount notified from the payment terminal to a predetermined management device and notifies the payment terminal of the debit payment result notified from the management device.
The management device further includes a withdrawal usage fee processing unit that manages the collection and payment of the withdrawal usage fee of the withdrawal amount by a debit card.
The withdrawal usage fee processing unit is a debit payment system characterized in that the withdrawal usage fee is collected from a user's savings bank and a part of the withdrawal usage fee is paid to a store . The payment processing unit
When the notification that the debit payment request has been accepted is received from the debit terminal, the change machine is instructed to withdraw including the withdrawal amount.
The change machine
The debit payment system according to claim 1, wherein the withdrawal amount included in the withdrawal instruction received from the payment terminal is paid out. The debit payment system according to claim 1 or 2, wherein the payment terminal further includes a code reading unit that reads a code indicating the product amount and / or the withdrawal amount. The debit payment system according to claim 1, 2 or 3, wherein the payment terminal further includes an input receiving unit that receives input of the withdrawal amount from the user. When the notification unit that notifies the debit terminal of the store of the payment request amount consisting of the withdrawal amount of the user and the notification that the debit payment request is accepted from the debit terminal are received, the withdrawal amount is given to the change machine. A payment terminal having a withdrawal instruction unit that gives a withdrawal instruction including
A debit terminal that makes a debit payment request including a payment request amount notified from the payment terminal to a predetermined management device and notifies the payment terminal of the debit payment result notified from the management device.
Equipped with a change machine that pays out the withdrawal amount included in the withdrawal instruction received from the payment terminal.
The management device further includes a withdrawal usage fee processing unit that manages the collection and payment of the withdrawal usage fee of the withdrawal amount by a debit card.
The withdrawal usage fee processing unit is a debit payment system characterized in that the withdrawal usage fee is collected from a user's savings bank and a part of the withdrawal usage fee is paid to a store . When the notification unit that notifies the debit terminal of the store of the payment request amount consisting of the withdrawal amount of the user and the notification that the debit payment request has been accepted from the debit terminal are received, the withdrawal amount is sent to the money changer. A payment terminal having a withdrawal instruction unit that gives a withdrawal instruction including
A debit terminal that makes a debit payment request including a payment request amount notified from the payment terminal to a predetermined management device and notifies the payment terminal of the debit payment result notified from the management device.
Equipped with a money changer that pays out the withdrawal amount included in the withdrawal instruction received from the payment terminal.
The management device further includes a withdrawal usage fee processing unit that manages the collection and payment of the withdrawal usage fee of the withdrawal amount by a debit card.
The withdrawal usage fee processing unit is a debit payment system characterized in that the withdrawal usage fee is collected from a user's savings bank and a part of the withdrawal usage fee is paid to a store . A payment request amount notification step in which the payment terminal notifies the debit terminal of the store of the payment request amount, which is the sum of the product amount of the product to be purchased by the user and the withdrawal amount of the user.
The debit terminal makes a debit payment request including a payment request amount notified from the payment terminal to a predetermined management device, and notifies the payment terminal of the debit payment result notified from the management device. Notification step and
When the payment terminal receives a notification from the debit terminal that the debit payment request has been accepted, the payment processing step of performing the payment processing of the product and the withdrawal processing of the withdrawal amount is included.
The management device further includes a withdrawal fee processing step for managing the collection and payment of the withdrawal fee for the withdrawal amount by the debit card.
The withdrawal usage fee processing step is a debit payment method characterized in that the withdrawal usage fee is collected from a user's savings bank and a part thereof is managed to be paid to a store . A payment request amount notification step in which the payment terminal notifies the debit terminal of the store of the payment request amount consisting of the withdrawal amount of the user.
The debit terminal makes a debit payment request including a payment request amount notified from the payment terminal to a predetermined management device, and notifies the payment terminal of the debit payment result notified from the management device. Notification step and
When the payment terminal receives a notification from the debit terminal that the debit payment request has been accepted, the withdrawal instruction step of instructing the change machine to withdraw including the withdrawal amount, and
The change machine includes a payout step of paying out the withdrawal amount included in the withdrawal instruction received from the payment terminal.
The management device further includes a withdrawal fee processing step for managing the collection and payment of the withdrawal fee for the withdrawal amount by the debit card.
The withdrawal usage fee processing step is a debit payment method characterized in that the withdrawal usage fee is collected from a user's savings bank and a part thereof is managed to be paid to a store . A payment request amount notification step in which the payment terminal notifies the debit terminal of the store of the payment request amount consisting of the withdrawal amount of the user.
The debit terminal makes a debit payment request including a payment request amount notified from the payment terminal to a predetermined management device, and notifies the payment terminal of the debit payment result notified from the management device. Notification step and
When the payment terminal receives a notification from the debit terminal that the debit payment request has been accepted, a withdrawal instruction step for instructing the money changer to withdraw money including the withdrawal amount, and a withdrawal instruction step.
The exchange machine includes a payout step of paying out the withdrawal amount included in the withdrawal instruction received from the payment terminal.
The management device further includes a withdrawal fee processing step for managing the collection and payment of the withdrawal fee for the withdrawal amount by the debit card.
The withdrawal usage fee processing step is a debit payment method characterized in that the withdrawal usage fee is collected from a user's savings bank and a part thereof is managed to be paid to a store .

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