JP7369065B2 - Payment system - Google Patents

Description

The present invention relates to a payment system in which a user performs payment processing using a payment device.

BACKGROUND ART Conventionally, when making a payment, a user may operate a payment device to process the payment himself. For example, in a supermarket, the merchandise that a user purchases is registered in a register by a clerk, but the user may pay the bill using a payment device. In such cases, when registering products at the register, the user's face image and sales information are associated and stored, and the user's face image is detected when the user leaves the store without paying and returns to the store, etc. Then, a warning may be given to the store staff.

Patent No. 5961408

By the way, while the user is processing the payment using the payment device, the user leaves the payment device due to lack of cash for the amount to be paid and tries to call a family member or withdraw cash. There are cases where the user leaves the payment device because the terminal receives a call.

In such a case, there is a risk that the next user who uses the payment device will continue to perform the payment processing for the previous user without noticing that the previous user's payment processing is in progress.

An object of the present invention is to provide a payment system that can prevent a user using a payment device from continuing the payment processing of a previous user.

The payment system of the present invention includes a payment device, an acquisition device that acquires characteristics of a user who performs payment processing with the payment device, and a verification process that verifies changes or disappearances of the user characteristics acquired by the acquisition device. means, and a detection means for detecting a change or departure of a user who performs payment processing by the verification processing means , and the payment device is configured such that the detection means detects a change or separation of a user before the payment processing is completed. a control means for interrupting or canceling the payment process when the user has left the computer; and a storage unit for storing the characteristics of the user acquired by the acquisition means in association with the processing history of the payment process by the user. In this case, after the payment processing is interrupted by the control means, when the acquisition means again acquires the characteristics of the user stored in the storage section, the characteristics of the user whose payment processing was interrupted are stored in the storage section. The payment processing is restarted based on the processing history of the payment processing .

Further, the payment system of the present invention includes a payment device, an acquisition device for acquiring characteristics of a user who performs payment processing with the payment device, and a check process for checking changes or disappearances of the characteristics of the user acquired by the acquisition device. The payment device includes a verification processing means, and a detection device for detecting a change or separation of a user who performs payment processing by the verification processing device, and the payment device is configured such that the detection device detects whether the user a control means for suspending or canceling the payment process when a change or separation is detected; and a storage unit for storing the characteristics of the user acquired by the acquisition means and the processing history of the payment process by the user in association with each other. and when the acquisition means is unable to acquire the characteristics of the user stored in the storage unit again even after a predetermined period of time has passed after the payment processing is interrupted by the control unit, the storage unit This is to cancel the interrupted payment processing of the user stored in the .

Moreover, the said acquisition means is an imaging means which acquires a user's face image.

Further , the payment device is capable of executing a new payment process when the acquisition means acquires user characteristics that are not stored in the storage unit after the payment process is interrupted. .

According to the payment system of the present invention, it is possible to prevent a user using a payment device from continuing the payment processing of a previous user.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is an explanatory diagram of a payment system showing an embodiment of the present invention. It is a perspective view of the payment device of the payment system same as the above. It is a block diagram of the payment system same as the above. It is a flowchart of the processing procedure of the payment system same as the above.

Hereinafter, one embodiment of the present invention will be described with reference to the drawings.

FIG. 1 shows an explanatory diagram illustrating the payment system 10. The payment system 10 is applied, for example, to payment of medical fees at a hospital facility.

The payment system 10 includes a payment device 11 and an acquisition means 12 for acquiring characteristics of a user A, such as a patient, who makes payment using the payment device 11.

The payment device 11 is a medical fee payment machine that is operated by the user A himself to process the payment of medical fees.

The acquisition means 12 acquires characteristics for identifying the user A from biometric information such as the user A's face, characteristics of the user A's movements, and the like. As the acquisition means 12 of this embodiment, a camera 13, which is an imaging means for acquiring user A's face image, is used. The camera 13 is a face authentication camera, and is installed above the payment device 11 to take at least a facial image of the user A who stands in front of the payment device 11 and operates it. Furthermore, if there is one or more users A waiting to pay after user A who operates the payment device 11, the camera 13 may also take a picture of the face of user A who is waiting to pay. . Note that the camera 13 may be provided in the payment device 11.

Next, FIG. 2 shows a perspective view of the payment device 11.

The payment device 11 includes a payment device main body 20 having an operation surface operated by the user A on the front surface. On the upper front side of the payment device main body 20, a display operation section 21 composed of a touch panel display and a receipt issuing port 22 for issuing a receipt in the case of card payment are provided.

On the front middle left side of the payment device body 20, there is an issuing port 23 for issuing medical fee receipts, prescriptions, etc., a barcode reader 24 for reading one-dimensional barcodes, two-dimensional barcodes, etc., and a credit card PIN. A numeric keypad 25 for inputting numbers, a coin deposit/withdrawal port 26 for inserting coins and dispensing change coins and return coins, and a speaker 27 for providing voice guidance etc. are provided.

On the middle right side of the front of the payment device main body 20, there are a card insertion slot 28 for inserting and removing a medical card and credit card, a bill insertion slot 29 for inserting banknotes, and a banknote dispensing opening 30 for dispensing change and returned bills. It is provided.

Next, FIG. 3 shows a block diagram of the payment system 10.

In the payment system 10, a payment device 11, a camera 13 serving as an acquisition means 12, and a management device 14 are communicably connected via a network. Note that the camera 13 may be communicably connected to the payment device 11. Also connected to the network is a medical accounting server that calculates medical fees according to the contents of medical treatment and stores the calculated medical fees in association with user A's identification information.

The payment device 11 includes a display operation section 21, a printer 31, a card reader 32, a barcode reader 24, a numeric keypad 25, a bill processing section 33, a coin processing section 34, a communication section 35, a storage section 36, and a control section 37. There is.

The printer 31 is, for example, a laser printer or a thermal printer, and prints receipts, prescriptions, medical statements, and the like.

The card reader 32 reads card information from the patient ticket or credit card inserted into the card insertion slot 28. Note that a contactless reader (or a contactless reader/writer for reading and writing) that reads information from a contactless IC card or a mobile terminal having a contactless IC without contacting the information may also be provided.

The banknote processing unit 33 determines the denomination and authenticity of the banknotes inserted into the banknote insertion slot 29, counts the number of banknotes determined to be genuine for each denomination, and then stores the banknotes in an internal banknote storage unit. Store it in. Further, upon receiving an instruction to dispense bills as change, the bill processing section 33 dispenses a specified number of bills of each denomination from the bill storage section to the bill dispensing port 30.

The coin processing unit 34 determines the denomination and authenticity of the coins inserted into the coin deposit/withdrawal port 26, counts the number of coins determined to be genuine for each denomination, and stores the coins in an internal coin storage. Store it in the section. Further, upon receiving an instruction to pay out coins as change, the coin processing section 34 pays out the specified number of coins of each denomination from the coin storage section to the coin deposit/withdrawal port 26.

The communication unit 35 is an interface unit for connecting and communicating with a network.

The storage unit 36 is a storage device composed of a hard disk device, nonvolatile memory, etc., and stores various data. The storage unit 36 stores the characteristics of the user A acquired by the acquisition means 12, that is, the characteristics of the face image of the user A photographed by the camera 13, in association with the processing history of the payment process by the user A. is included.

The control unit 37 is constituted by a microcomputer including a CPU, ROM, RAM, etc., and controls the entire payment device 11 according to a program.

The control unit 37 includes a detection means 38 that detects that the user A who performs the payment process on the payment device 11 moves from in front of the payment device 11 and is replaced by another user A, or leaves the front of the payment device 11. It has a function. The detection means 38 uses the characteristics of the user A acquired by the acquisition means 12, that is, uses the face image of the user A taken with the camera 13, and performs a matching process on the facial image data taken before and after the images taken with the camera 13. Then, it is detected that the user A who performs the payment processing in front of the payment device 11 is replaced or leaves the payment processing device 11.

The control unit 37 has the following control functions.

If the detection means 38 detects that the user A has been replaced or left before the user A who started the payment process with the payment device 11 completes the payment process, the control unit 37 controls the payment process of the user A. Control the suspension or cancellation of processing.

When the payment process is interrupted, the control unit 37 associates and stores the characteristics of the user A acquired by the acquisition means 12, that is, the face image of the user A taken with the camera 13, and the processing history of the payment process by the user A. control unit 36 to store the information.

The control unit 37 controls the camera 13 to acquire the characteristics of the user A stored in the storage unit 36 again within a predetermined time after interrupting the payment process, that is, within a predetermined time. When the face image of user A stored in is photographed, the payment processing is controlled to be restarted based on the processing history of the interrupted payment processing of the user A stored in the storage unit 36. Note that the predetermined time after the payment processing is interrupted can be set as appropriate, but for example, it may be within the same day, and may be outside the predetermined time from the next day onward.

The control unit 37 controls the control unit 37 when the acquisition unit 12 is unable to acquire the characteristics of the user A stored in the storage unit 36 again even after a predetermined time has elapsed after interrupting the payment process, that is, when the predetermined time has elapsed. If the camera 13 is unable to capture the face image of the user A stored in the storage unit 36 again, the suspended payment processing of the user A stored in the storage unit 36 is controlled to be canceled. .

The control unit 37 controls when the acquisition means 12 acquires characteristics of another user A that are not stored in the storage unit 36 after interrupting the payment process, that is, when the camera 13 acquires characteristics of another user A that are not stored in the storage unit 36. When a face image of user A is photographed, a new payment process is executed.

The control unit 37 analyzes the facial expressions and movements of the user A photographed by the camera 13, and if it is determined that the user A is confused or is operating the payment device 11 incorrectly, the control unit 37 turns on the speaker. The operation may be guided by a voice from 27 or a screen on the display/operation section 21.

Furthermore, the management device 14 is used to verify the identity of the user by comparing a pre-registered face image of the user A with a face image of the user A taken by the camera 13.

Next, the processing procedure of the payment system 10 will be explained with reference to the flowchart of FIG. 4.

In the payment device 11, the user A1 who comes in front of the payment device 11 inserts, for example, a medical examination ticket into the card insertion slot 28, and the information on the medical examination card is read by the card reader 32 to obtain identification information of the user A1. Accordingly, payment is accepted (YES in step S1). The patient ticket is returned from the card insertion slot 28 after the information is read.

When the payment device 11 accepts the payment, the camera 13 photographs the user A1 (step S2) and obtains a face image of the user A1.

Note that the camera 13 may photograph the user A1 coming in front of the payment device 11 and acquire facial information of the user A1 before the payment device 11 accepts the payment. In this case, instead of using a medical card or the like, the management device 14 may verify the identity of the user A1 using a facial image taken by the camera 13, and then accept payment. Furthermore, when a parent pays for a child's medical expenses, the face of the parent who has been registered as a family member may be recognized in advance and the payment may be accepted.

Furthermore, although the camera 13 may take pictures all the time, it may also use a motion sensor, for example, and may take pictures in response to the detection of the user A by the motion sensor, thereby reducing the load of image processing by the control unit 37 and the like. It can be reduced.

Then, upon receiving the payment, the payment device 11 starts payment processing (step S3). In the payment process of the payment device 11, medical expense data associated with the identification information of the user A1 is acquired, and the payment amount and payment method are displayed on the display operation section 21.

The user A1 checks the screen display on the display/operation unit 21, selects a payment method on the display/operation unit 21, and inserts cash or a credit card. In the case of cash, the amount of cash that exceeds the medical expenses is paid out, and change is paid out, receipts and medical bills are issued, and in some cases, prescriptions are issued. In the case of a credit card, the card information read by the card reader 32 is authenticated by a predetermined authentication server to complete the payment process and issue a receipt or medical statement. In some cases, we also issue prescriptions.

During the payment process, the payment device 11 determines whether the user A1 photographed by the camera 13 has moved from in front of the payment device 11 and been replaced by another user (for example, user A2) or not. It is monitored whether the user has left the front of the device 11 (step S4). This monitoring is executed until the payment processing is completed (step S5).

If the payment processing by the payment device 11 is completed without the user A1 being replaced or leaving (NO in step S4), the payment processing for the user A1 is ended.

In addition, before the payment processing for user A1 is completed (NO in step S5), the payment device 11 allows user A1 to move from the front of the payment device 11 to another user (for example, user A2). When the detection means 38 detects that the user A1 has been replaced or has left the payment device 11 (YES in step S4), the payment processing for the user A1 is interrupted midway (step S6). The payment process can be interrupted by temporarily locking the screen of the display operation unit 21 to prevent other users (for example, user A2) from continuing to operate the screen, and also by locking the screen of the display operation unit 21 to prevent other users (for example, user A2) from continuing the operation. The shutter is closed to make it impossible to insert cash or to prevent the insertion of a credit card into the card insertion slot 28.

Furthermore, the payment device 11 associates the face image of the user A1 photographed by the camera 13 with the processing history of the intermediate stage of the payment process by the user A1, and stores them in the storage unit 36 (step S7).

Thereafter, the payment device 11 determines whether the face image of the user A1 who has returned to the payment device 11 has been captured by the camera 13 (step S8), and whether a predetermined time has elapsed since the user A1 left. (Step S9), it is monitored whether a face image of a new user other than user A1 (for example, user A2) has been photographed with the camera 13 before the payment device 11 (step S10).

Then, within a predetermined period of time, when the user A1 who is in the middle of the payment process returns to the front of the payment device 11, and the camera 13 again photographs the face image of the user A1 stored in the storage unit 36 (YES in step S8). , reads out the processing history of user A1's payment processing stored in the storage unit 36 (step S11), releases the suspension of user A1's payment processing, and completes the suspended stage of user A1's payment processing. Restart from.

In addition, if multiple payment devices 11 are connected to a network, if user A1 comes to a payment device 11 other than the payment device 11 from which he left during the payment processing, that payment device 11 will The payment process may be resumed from the intermediate stage where it was interrupted, or the display operation unit 21 or the like may be used to guide the user A1 to restart the payment process on the payment device 11 from which the user A1 left in the middle of the payment process. Good too.

Further, if the camera 13 is unable to capture the face image of the user A1 stored in the storage unit 36 again even after a predetermined period of time has passed (YES in step S9), the face image of the user A1 stored in the storage unit 36 cannot be captured. The interrupted payment process is canceled (step S12). In this case, the payment device 11 may accept a new payment by the user A1, or the payment device 11 may not accept the payment by the user A1 and may accept the payment at a counter of the hospital facility.

Furthermore, if the user A1 moves from in front of the payment device 11 and is replaced, for example, by the next user A2 in line for payment, the camera 13 is transferred to the new user A2 who is not stored in the storage unit 36. In order to photograph a face image of user A2 (YES in step S10), a new payment process for user A2 is executed. A new payment process for user A2 starts from reception of payment (step S1).

Note that if the detection means 38 detects that the new user A2 has been replaced or left before the payment process is completed, the payment process is interrupted or canceled in the same way as for the user A1.

Next, operation guidance for user A who uses the payment device 11 will be explained.

The control unit 37 of the payment device 11 analyzes the facial expressions, movements, and actions of the user A photographed by the camera 13, and determines that the user A is confused or is operating the payment device 11 incorrectly. In this case, the correct operation is guided by the sound from the speaker 27 and the screen of the display operation section 21.

For example, if it is determined that the barcode reader 24 is trying to hold up a sheet of paper with a barcode displayed on its back side or in an incorrect orientation, it will be guided by voice or screen to guide the user to hold up the barcode correctly.

If it is determined that something other than a banknote is being inserted into the banknote insertion slot 29, the user is informed by voice or screen that the operation is erroneous, and the shutter of the banknote insertion slot 29 is closed to prevent erroneous insertion.

If it is determined that you are trying to insert something other than coins into the coin deposit/withdrawal slot 26, you will be notified by voice or screen that this is an incorrect operation, and the shutter of the coin deposit/withdrawal slot 26 will be closed to prevent incorrect insertion. .

If it is determined that User A is about to leave the payment device 11 when he or she has forgotten to take something output from the payment device 11 (receipts, receipts, change, etc.), an audio message will be displayed to notify the user that something has been left behind. Guide on screen.

If it is determined that the user A is about to leave the payment device 11 after leaving his/her luggage in a luggage rack or the like, the user A is informed by voice or screen that the luggage has been left behind.

It is possible to insert multiple bills or coins at once, but if it is determined that User A is inserting bills or coins one at a time, a voice or screen will guide you that you can insert multiple bills or coins at once.

If it is determined that several seconds have passed while the user A is holding a medium such as a card, banknote, or coin in his/her hand, the user will be guided by voice or screen to the location of the insertion slot for the corresponding medium. For example, in the case of a card, the type of payment method (magnetic, IC, or non-contact) may be determined, and the procedure for using the payment method that is easiest for user A to operate the card may be guided. Payment methods that are easy to use with cards are contactless, IC, and magnetic, in that order. If the type of card cannot be determined, the user may be guided to hold the card up to the camera 13.

Further, if it is determined that assistance is required, such as when user A is a wheelchair user, an attendant may be called or the content or arrangement displayed on the display/operation unit 21 may be changed.

If it is determined that User A has a confused expression, the user will be guided by voice or screen on the next operation to perform.

In this way, by providing guidance to user A who gets confused or makes a mistake when operating the payment device 11, it is possible to prevent mistakes and also to reduce the amount of time it takes to complete the payment process due to confusion or mistakes. It is possible to prevent this from occurring and improve the efficiency of payment processing.

According to the payment system 10 of the present embodiment, the detection means 38 detects that the user A has been replaced or left before the user A who started the payment process with the payment device 11 completes the payment process. In this case, since the payment processing of user A is controlled to be interrupted or canceled, it is possible to prevent user A who uses the payment device 11 from continuing the payment processing of the previous user A. . Further, it is also possible to prevent medical accidents caused by receiving the prescription of the previous user A by mistake.

In order to acquire the characteristics of the user A acquired by the acquisition means 12, the detection means 38 can detect that the user A has been replaced or left.

Since the camera 13, which is the imaging means, captures the facial image of the user A, the detection means 38 can accurately detect that the user A has changed places or left.

When the payment processing is interrupted, the characteristics of the user A acquired by the acquisition means 12 and the processing history of the payment processing by the user A are stored in the storage unit 36 in association with each other. Available.

If the acquisition means 12 acquires the characteristics of the user A stored in the storage unit 36 again within a predetermined time after interrupting the payment processing, the interrupted payment processing of the user A stored in the storage unit 36 Since the payment process is restarted based on the processing history of the process, the user A can restart the payment process not from the beginning but from the interrupted stage, improving convenience for the user A.

If the acquisition means 12 is unable to acquire the characteristics of the user A stored in the storage unit 36 again even after a predetermined period of time has passed after interrupting the payment process, the characteristics of the user A stored in the storage unit 36 In order to cancel the interrupted payment process, the payment of the user A can be returned to an unpaid state. In this case, a flag may be set in the hospital's medical accounting system so that it can be easily seen that the payment of the user A is still unpaid.

To wait for user A who is in the middle of payment in order to execute a new payment process when the acquisition means 12 acquires the characteristics of another user A that are not stored in the storage unit 36 after interrupting the payment process. The payment device 11 can handle payment processing for another user A without stopping.

Note that the acquisition means 12 that acquires the characteristics of user A is not limited to the camera 13 that photographs the face image of user A, and may be various sensors including, for example, a depth sensor that uses infrared rays or ultrasonic waves. Alternatively, it may be a motion sensor that captures characteristic movements such as user A's walking posture. Further, the characteristics of the user A may be acquired not only from the face image but also from the movements of the iris or lips.

Furthermore, if it is detected that User A has left the payment device 11 without taking change or a credit card, the staff member may be notified at least of the fact that the user has left the payment device 11 without taking change or credit card. good. Note that the information to be notified to the staff member may include information about what item was left behind and information about user A's characteristics. By doing so, the staff member can immediately recognize the fact that something has been left behind, so they can immediately rush to the payment device 11 in question and make the payment device 11 available for use by the next user A. or notify user A. Further, a mechanism may be provided to take in change, credit cards, etc. left behind in the payment device 11. By doing this, it becomes possible to prevent forgotten change, credit cards, etc. from being taken away by a third party, and it also allows the next user A to carry out their own payment process. .

Further, in the embodiment described above, the payment is accepted by reading the information on the patient ticket with the card reader 32 and acquiring the identification information of the user A1, but the method of accepting the payment is not limited to this. For example, payment may be accepted by reading a two-dimensional code, such as a barcode or QR code (registered trademark), to which the identification information of user A1 is linked. This barcode or two-dimensional code may be written on a piece of paper with a number written on it, which the user A1 receives from a hospital accounting counter, for example.

In addition to medical fee payment machines, the payment system 10 also includes automatic payment machines in supermarkets where customers can pay by themselves, automatic teller machines that can pay utility bills, etc., and facility usage fees for accommodation facilities, golf courses, etc. It can be applied to various payment devices that involve payment, such as payment.

Although the embodiments of the present invention and their modifications have been described above, various combinations of configurations, partial omissions, replacements, and changes are also possible.

10 Payment system
11 Payment device
12 Acquisition method
13 Camera as an imaging means
36 Memory section
37 Control unit as control means
38 Detection means A User

Claims (4)

A payment device,
Acquisition means for acquiring characteristics of a user who performs payment processing with the payment device;
Verification processing means for verifying changes or disappearances of the user's characteristics acquired by the acquisition means;
and a detection means for detecting a change or departure of a user who performs payment processing by the verification processing means ,
The payment device is
A control means for suspending or canceling the payment processing when the detection means detects that the user has been replaced or left before the payment processing is completed;
a storage unit that associates and stores the characteristics of the user acquired by the acquisition means and the processing history of payment processing by the user;
When the acquisition means again acquires the characteristics of the user stored in the storage unit after the payment processing is interrupted by the control unit, the interrupted payment processing of the user stored in the storage unit Resume payment processing based on the processing history of
A payment system characterized by: A payment device,
Acquisition means for acquiring characteristics of a user who performs payment processing with the payment device;
Verification processing means for verifying changes or disappearances of the user's characteristics acquired by the acquisition means;
and a detection means for detecting a change or departure of a user who performs payment processing by the verification processing means,
The payment device is
A control means for suspending or canceling the payment processing when the detection means detects that the user has been replaced or left before the payment processing is completed;
comprising a storage unit that associates and stores the characteristics of the user acquired by the acquisition means and the processing history of payment processing by the user;
If the acquisition means is unable to acquire the user characteristics stored in the storage unit again even after a predetermined period of time has passed after the control unit interrupts the payment processing, the characteristics of the user stored in the storage unit are stored in the storage unit. Cancel the suspended payment process for the user
A payment system characterized by: The payment system according to claim 1 or 2, wherein the acquisition means is an imaging means that acquires a face image of the user . A claim characterized in that the payment device is capable of executing a new payment process when the acquisition means acquires user characteristics that are not stored in the storage unit after the payment process is interrupted. The payment system described in any one of Items 1 to 3 .

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