JP7370439B2 - Payment terminals and programs - Google Patents

Description

Embodiments of the present invention relate to payment terminals and programs.

A POS terminal, which is a product sales data processing device, is connected to a payment terminal that processes payments by credit card or electronic money. The payment terminal executes credit payment processing and electronic money payment processing based on payment amount information received from the POS terminal.

In electronic money payment, if the card amount information stored on the card is greater than the payment amount information, the payment terminal executes payment processing by subtracting the payment amount information from the card amount information. However, when the card amount information is less than the payment amount information, the payment terminal executes the following process.

That is, the payment terminal executes payment processing for the amount of card amount information to complete the payment. The payment terminal then transmits payment information for the paid amount to the POS terminal. The POS terminal that received this payment information performs payment error processing because the payment amount information transmitted by the POS terminal is different from the payment information received from the payment terminal.

In this way, the payment terminal processes the completion of the payment, while the POS terminal processes the payment error, which creates a contradiction and becomes a problem.

The problem to be solved by the present invention is to provide a payment terminal and a program that do not cause inconsistency between the processing of the payment terminal and the processing of the product sales data processing device even when the card amount information is less than the payment amount information. That's true.

The payment terminal of the embodiment includes a payment amount receiving unit that receives payment amount information from a product sales data processing device, and a balance receiving unit that receives balance information stored in an electronic money medium from an external device that reads information on the electronic money medium. and a charging operation receiving means that accepts an operation to charge amount information to an electronic money medium, and the balance information received by the balance receiving means is insufficient with respect to the payment amount information received by the payment amount receiving means. a determining means for determining whether the electronic money medium is a chargeable medium; and a determining means for determining whether the electronic money medium is a chargeable medium; A payment means that performs electronic money payment processing if the balance information is not insufficient for the payment amount information after charging the amount information to the medium, and a charge key, the payment means is configured to charge the electronic money medium. If the type of the electronic money medium is such that the electronic money payment processing is prohibited when the balance information is insufficient, the electronic money payment processing is not performed, and the electronic money payment processing is prohibited when the balance information is insufficient. If it is a type that is not prohibited, the determining means determines whether the electronic money medium is a chargeable medium on the condition that the charge key has been operated.

The program of the embodiment includes a computer as a payment terminal equipped with a charge key , a payment amount receiving means that receives payment amount information from a product sales data processing device, and a payment amount receiving means that receives payment amount information stored in an electronic money medium. balance receiving means that receives information from an external device that reads information; charge operation receiving means that receives an operation to charge amount information to an electronic money medium; and the balance information received by the balance receiving means is received by the payment amount receiving means determining means for determining whether the electronic money medium is a chargeable medium when the received payment amount information is insufficient; Functions as a payment means that performs electronic money payment processing if the balance information is not insufficient for the payment amount information after accepting the charging operation by the charging operation receiving means and charging amount information to the electronic money medium. and the payment means does not perform the electronic money payment process if the type of the electronic money medium is a type that prohibits the electronic money payment process when the balance information is insufficient, and If the type does not prohibit the electronic money payment process when information is insufficient, the determining means determines whether the electronic money medium is a chargeable medium on the condition that the charge key is operated.

FIG. 1 is a diagram showing the system configuration of the embodiment. FIG. 2 is a plan view showing the appearance of the payment terminal. FIG. 3 is a block diagram showing the hardware configuration of the payment terminal. FIG. 4 is a memory map showing a portion of the memory of the payment terminal. FIG. 5 is a functional block diagram showing the functional configuration of the payment terminal. FIG. 6 is a flowchart showing the flow of control processing of the payment terminal. FIG. 7 is a diagram showing an example of a display on a payment terminal. FIG. 8 is a flowchart showing the flow of control processing of the payment terminal. FIG. 9 is a diagram showing an example of another display on the payment terminal.

Hereinafter, embodiments of a payment terminal and a program will be described in detail with reference to the accompanying drawings. Note that the embodiment described below is one embodiment of a payment terminal and a program, and does not limit the configuration, specifications, etc. thereof. This embodiment is an example of application to a payment terminal that is installed in a store such as a supermarket and performs payment of transactions.

FIG. 1 is a diagram showing the configuration of a POS system 1 according to this embodiment. As shown in the figure, the POS system 1 includes a POS terminal 2 as a product sales data processing device and a payment terminal 3. The POS system 1 is connected to a center server 5 of a credit company, bank, or the like. Further, in the POS system 1, the payment terminal 3 is connected to the electronic money terminal 4. Further, in the POS system 1, the payment terminal 3 and the electronic money terminal 4 are connected to be communicable by wire or wirelessly. Further, the payment terminal 3 and the POS terminal 2 and the center server 5 are connected to each other so as to be communicable by wire or wirelessly.

The payment terminal 3 is a device having a payment function that reads card information from an IC card, a magnetic card, etc., and performs card payment processing by communicating with a server of a card company.

The electronic money terminal 4 accesses a contactless card that electronically stores financial information using near field communication technology such as NFC (Near Field Communication), and displays the payable amount stored on the card. This is a terminal that executes payment processing using information (hereinafter referred to as "card amount information"). The electronic money terminal 4 reads card amount information from the card and transmits it to the payment terminal 3.

The POS terminal 2 is a device that processes product sales data for products purchased by a customer, and performs payment processing for one transaction. Further, when performing card payment such as a credit card or debit card, the POS terminal 2 performs payment processing for one transaction (card payment processing) in conjunction with the payment terminal 3.

As shown in FIG. 1, the POS terminal 2 is provided with a display section 22 for clerks and a display section 23 for customers at the top of a main body 21 of the POS terminal 2. Each of the display sections 22 and 23 is constituted by an LCD (Liquid Crystal Display) or an LCD with a touch panel disposed on its surface, and displays the product name, the amount of the product, the total amount of one transaction, and the like. Further, a keyboard 24 is provided on the top surface of the main body 21, and is provided with a cash payment key, a credit payment key, etc. for selecting a payment method such as cash payment or credit payment. Furthermore, a printer 25 for printing receipts and the like is provided inside the main body 21. The receipt paper printed by the printer 25 is issued from a receipt issuing port 26 provided at the top of the main body 21.

The center server 5 performs a check such as a negative check on the card in response to the payment processing authentication request from the payment terminal 3, and then sends a command to the payment terminal 3 to perform the authentication.

Next, the payment terminal 3 will be explained in detail. FIG. 2 is a diagram showing the appearance of the payment terminal 3, and FIG. 3 is a block diagram showing the hardware configuration of the payment terminal 3. In FIG. 2, a power switch 36 is provided on the side of the main body 31 of the payment terminal 3. Furthermore, an upper surface panel 37 that can be opened and closed with respect to the main body 31 is provided on the upper part of the main body 31. By opening the top panel 37, a roll of receipt paper can be set inside the main body 31. Further, on the surface of this upper panel 37, there is provided a display section 32 on which a touch panel, which is an operation section 33, is disposed.

A card reader 34 is provided on the upper side of the main body 31 to read information stored in a payment card. As the card for payment, for example, a credit card, a debit card, etc. can be used.

Inside the main body 31, there is provided a printing section 57 (see FIG. 3) that prints payment-related information, sales reports, etc. on the above-mentioned receipt paper. The printed receipt paper is issued from a receipt issuing port 35 provided between the main body 31 and the top panel 37.

Next, in FIG. 3, the payment terminal 3 includes a control section 100 for controlling each section. As shown in FIG. 3, the control unit 100 connects a CPU (Central Processing Unit) 51 that centrally controls each unit to a ROM (Read Only Memory) 52 via bus lines 55 such as an address bus and a data bus. , RAM (Random Access Memory) 53 are connected to each other. Further, a memory section 54 and a controller 56 are connected to the control section 100 via a bus line 55. In the control unit 100, the CPU 51 operates according to a control program 541 stored in the memory unit 54 and developed in the RAM 53, thereby executing a control process to be described later.

The memory unit 54 is a nonvolatile memory such as a flash memory that retains stored information even when the power is turned off, and stores programs including the control program 541. The memory unit 54 also stores a storage unit 542 shown in FIG. Further, the RAM 53 temporarily stores information read from the memory section 54.

Further, the controller 56 connects the display section 32 and the operation section 33. The controller 56 executes various controls based on commands from the control unit 100. The display unit 32 displays various information including images of keys. The operation unit 33 is a touch panel provided on the display unit 32, and various key operations are performed by touching the touch panel at positions corresponding to the keys displayed on the display unit 32.

Further, the controller 56 connects the printing section 57 and the card reading section 34. The printing unit 57 pulls out the leading edge of the receipt paper stored inside the main body 31 and prints payment information and the like on the receipt paper using, for example, a thermal head. The card reading section 34 magnetically or electrically reads card information stored in the payment card.

Further, the bus line 55 connects communication I/Fs (Interfaces) 59, 60, and 61. The communication I/F 59 is connected to the POS terminal 2. The communication I/F 60 is connected to the electronic money terminal 4. The communication I/F 61 is connected to the center server 5. The payment terminal 3 sends and receives information to and from the POS terminal 2, electronic money terminal 4, and center server 5 via each communication I/F 59, 60, and 61.

FIG. 4 is a memory map showing the storage section 542 of the memory section 54 of the payment terminal 3. As shown in FIG. In FIG. 4, the storage section 542 includes a payment amount storage section 5421, a payment prohibition flag section 5422, a payment selection screen information section 5423, and a card amount information storage section 5424.

The payment amount storage unit 5421 stores payment amount information included in the payment command received from the POS terminal 2. The payment amount information is created based on the total amount information when the POS terminal 2 processes the product information of the products purchased by the customer.

The payment prohibition flag section 5422 sets the payment prohibition flag "1" when the payment prohibition key 72 is turned on in FIG. 7, which will be described later, during maintenance and inspection of the payment terminal. Further, the payment prohibition flag section 5422 sets the payment prohibition flag "0" when the payment prohibition key 72 is turned off.

The payment selection screen information section 5423 stores screen information of a payment selection screen 73 that is displayed on the display section 32 and will be described later.

The card amount information storage unit 5424 stores the card amount information received and input from the electronic money terminal 4.

Next, control of the payment terminal 3 of the embodiment will be explained using FIGS. 5 to 9. FIG. 5 is a functional block diagram showing the functional configuration of the payment terminal 3. As shown in FIG. The payment terminal 3 operates by the control unit 100 according to programs such as the control program 541 stored in the memory unit 54, so that the payment terminal 3 receives a receiving unit 101, an input unit 102, a determining unit 103, a payment control processing unit 104, a transmitting unit 105, A determining means 106, a charging means 107, a deficit amount calculating means 108, a payment restoration means 109, and a notification means 110 are realized.

The receiving means 101 has a function of receiving payment amount information from the POS terminal 2, which is a product sales data processing device.

The input means 102 has a function of inputting amount information stored on the card.

The determining means 103 has a function of determining whether the payment amount information received by the receiving means 101 is more or less than the amount information input by the input means 102 in terms of amount.

If the determining means 103 determines that the amount information is larger than the payment amount information, the payment control means 104 executes the payment processing based on the payment amount information received by the receiving means 101, and the payment control means 104 executes payment processing based on the payment amount information received by the receiving means 101, If it is determined that the amount is less than that, it has a function to execute error processing that prohibits payment processing.

The transmitting means 105 has a function of transmitting payment processing information or error processing information by the payment control means 104 to the product sales data processing device.

The determining means 106 has a function of determining the types of cards for which payment processing can be prohibited.

The charging means 107 has a function of charging amount information to the card.

The shortfall amount calculation means 108 has a function of calculating shortfall amount information from the payment amount information and the amount information.

The payment restoration means 109 has a function that allows payment processing to be executed when the information on the amount charged by the charging means 107 is larger in amount than the information on the insufficient amount calculated by the amount in shortage calculation means 108.

The notification means 110 has a function of notifying that payment amount information has been received from the POS terminal 2, which is a product sales data processing device.

FIG. 6 is a flowchart showing the flow of control processing of the payment terminal 3. More specifically, FIG. 6 is a flowchart showing the flow of control processing when a maintenance person or the like performs maintenance and inspection of the payment terminal 3.

In FIG. 6, the control unit 100 displays a setting screen 71 for performing maintenance and inspection on the display unit 32 (step S11). FIG. 7 shows an example of the setting screen 71 displayed on the display unit 32 by the control unit 100. In FIG. 7, the control unit 100 displays a payment prohibition key 72 on the display unit 32. When the payment prohibition key 72 is operated in an off state, it becomes an on state, and when operated in an on state, it becomes an off state.

When the payment prohibition key 72 is operated to the ON state, the control unit 100 sets a payment prohibition flag “1” in the payment prohibition flag section 5422 of the storage unit 542. Further, when the payment prohibition key 72 is operated to the OFF state, the control unit 100 sets a payment prohibition flag “0” in the payment prohibition flag section 5422 of the storage unit 542.

Returning to the explanation of FIG. 6. Next, the control unit 100 determines whether a payment item has been added (step S12). When a new payment item is added during maintenance and inspection work, a new payment program is added to the control program 541 of the memory unit 54. The control unit 100 determines whether or not to add a new payment item by examining the control program in the memory unit 54.

If it is determined that the new payment item has been added (Yes in step S12), the control unit 100 updates the information displayed on the payment selection screen stored in the payment selection screen information section 5423 and adds a new payment item ( Step S13).

If it is determined that the payment item is not added (No in step S12), the control unit 100 determines whether the payment prohibition key 72 has been operated (step S21). If it is determined that it has been operated (Yes in step S21), then the control unit 100 determines whether the payment prohibition key 72 is in the on state (step S22). If it is determined that it is in the on state (Yes in step S22), the control unit 100 sets the payment prohibition flag of the payment prohibition flag unit 5422 to “1” (step S23).

Further, if it is determined in step S22 that the payment prohibition key 72 is not in the on state (that is, in the off state) (No in step S22), the control unit 100 sets the payment prohibition flag in the payment prohibition flag section 5422 to "0". ” (step S24). Note that if it is determined that the payment prohibition key 72 has not been operated (No in step S21), the control unit 100 returns to step S11 and waits.

FIG. 8 is a flowchart showing the flow of control processing of the payment terminal 3 during payment processing. In FIG. 8, the control unit 100 (receiving means 101) determines whether a payment command has been received from the POS terminal 2 (step S41). In the embodiment, when a payment other than cash is selected at the POS terminal 2, the POS terminal 2 sends a payment command to the payment terminal 3 to perform payment processing with a card, and the communication I/F 59 of the payment terminal 3 sends a payment command to the payment terminal 3. receives the payment command. The payment command includes payment amount information. The control unit 100 stores the payment amount information in the payment amount storage unit 5421.

If the control unit 100 determines that the payment command has been received from the POS terminal 2 (Yes in step S41), the control unit 100 displays the payment selection screen 73 (step S42). Here, FIG. 9 shows an example of the payment selection screen 73 displayed in step S42.

In FIG. 9, the control unit 100 displays business keys 81, 82, 83, 84, and 85 indicating the type of business including the charge key 84 on the display unit 32. The charge key 84 is used to update the card amount information in order to charge the amount to the card in electronic money payment. The control unit 100 also displays the type of payment item in the area 91. In the example of FIG. 9, the control unit 100 displays four types of payment items: credit payment 86, debit payment 87, XY card payment 88, and electronic money payment 89, in area 91. Therefore, the payment terminal 3 can perform payment processing using these four types of cards. That is, the memory unit 54 stores four types of payment processing programs: a credit payment processing program, a debit payment processing program, an XY payment processing program, and an electronic money payment processing program.

Returning to the explanation of FIG. Next, the control unit 100 (notification means 110) displays a command reception display 90 indicating that the payment command has been received on the payment selection screen 73 of the display unit 32 (step S43). The operator touches and operates the payment item desired by the customer from among the payment items 86, 87, 88, and 88 displayed on the display unit 32. The control unit 100 determines whether the payment item operated by the operator is an electronic money payment item, that is, whether electronic money payment is selected (step S44).

If it is determined that electronic money payment has been selected (Yes in step S44), the control unit 100 (input means 102) receives card amount information (step S45). Then, the control unit 100 stores the received card amount information in the card amount information storage unit 5424 (step S45). The card amount information is received by the communication I/F 60 from the electronic money terminal 4 by holding the card over the electronic money terminal 4.

Next, the control unit 100 (determination means 103) compares the amount of payment amount information stored in the payment amount storage portion 5421 with the card amount information stored in the card amount information storage portion 5424, and It is determined whether the amount information is less than the payment amount information (step S46).

If it is determined that the card amount information is less than the payment amount information (Yes in step S46), the control unit 100 determines that the payment prohibition flag stored in the payment prohibition flag unit 5422 of the storage unit 542 is “1”. It is determined whether there is one (step S47). If it is determined that the payment prohibition flag is "1" (Yes in step S47), the control unit 100 (determination means 106) determines whether the card is of a type for which payment can be prohibited. (Step S48). Whether or not the card is a type of card that can be prohibited for payment is determined by each issuing company that issued the card, and the payment terminal 3 collects information on card companies that can prohibit payment and card companies that cannot prohibit payment. information is stored in advance.

If it is determined that the card is of a type for which payment can be prohibited (Yes in step S48), the control unit 100 (payment control means 104) prohibits payment processing using the electronic money (step S49). Prohibiting payment processing using electronic money means not allowing payment processing using electronic money to be executed. Further, if it is determined that the card is not of a type for which payment can be prohibited (No in step S48), the control unit 100 executes the process of step S71, which will be described later.

Next, the control unit 100 determines whether the charge key 84 has been operated (step S50). If it is determined that the transaction has not been operated (No in step S50), the control unit 100 (error processing means 104) executes error processing to treat the payment as an error (step S51). Then, the control unit 100 displays an error message on the display unit 32 indicating that the payment process is an error process and that the card amount is insufficient (step S52). Then, the control unit 100 (transmission means 105) transmits to the POS terminal 2 that the payment has been processed as an error (step S53). The POS terminal 2, which has received the error processing information from the payment terminal 3, cancels the payment at the POS terminal 2 and executes the error processing.

On the other hand, if it is determined in step S50 that the charge key 84 has been operated (Yes in step S50), the control unit 100 determines whether the card can be charged (step S61). There are two types of electronic money cards: cards that can be charged at the payment terminal 3 and cards that cannot be charged. Cards that can be charged and cards that cannot be charged are determined on a card-by-card basis depending on the card structure, card security mechanism, etc. The payment terminal 3 stores in advance the types of cards that can be charged and the types of cards that cannot be charged. The payment terminal 3 receives card type information from the electronic money terminal 4. The control unit 100 (second determining means 109) determines the type of the received card and determines whether or not the card can be charged.

If it is determined that the card cannot be charged (No in step S61), the control unit 100 executes error processing in step S50. If it is determined that the card can be charged (Yes in step S61), the control unit 100 (deficiency amount calculation means 108) calculates the insufficient amount information from the payment amount information and the card amount information ( Step S62). Next, the control unit 100 (charging means 107) charges the card with the card amount information operated by the operator or the customer (step S63). Then, the control unit 100 determines whether the charged amount is sufficient based on the amount information of the charged amount and the shortage amount information (step S64). If the charged amount is greater than the insufficient amount, the control unit 100 determines that the charged amount is sufficient.

If it is determined that the charged amount is insufficient (No in step S64), the control unit 100 displays the insufficient amount and the insufficient amount on the display unit 32 (step S65). The control unit 100 then returns to step S49 and urges further charging. On the other hand, if it is determined that the charge amount is sufficient (Yes in step S64), the control unit 100 executes a payment process in step S81, which will be described later.

Further, if the control unit 100 determines in step S47 that the payment prohibition flag is not “1” (that is, “0”) (No in step S47), the control unit 100 controls the card amount information storage unit. Payment processing is executed using the card amount information stored in 5424 (step S71). When the payment processing is completed, the control unit 100 displays a message indicating that the payment has been completed on the display unit 32 (step S72). Then, the control unit 100 transmits information indicating the completion of payment and information on the unpaid amount to the POS terminal 2 (step S73).

Some POS terminals 2 are capable of paying the unsettled amount at the payment terminal 3 when the amount remains unsettled. When such a POS terminal 2 receives unsettled amount information from the payment terminal 3, it executes a payment process for the unsettled amount using another payment method (for example, cash payment).

If it is determined in step S46 that the card amount information is not insufficient (No in step S46), the control unit 100 (payment control means 104, payment restoration means 109) stores the card amount information and payment amount information. The electronic money payment process is executed based on (step S81). When the payment processing is completed, the control unit 100 displays a message indicating the completion of the payment on the display unit 32 (step S82). Then, the control unit 100 (transmission means 105) transmits information indicating that the electronic money payment has been completed to the POS terminal 2 (step S83).

Further, if it is determined in step S44 that a payment item other than electronic money payment has been selected (No in step S44), the control unit 100 executes payment processing corresponding to the selected payment item (step S91). . Further, if it is determined in step S41 that the payment command has not been received (No in step S41), the control unit 100 executes other processing (step S92).

According to this embodiment, when the card amount is insufficient for electronic money payment, the payment at the payment terminal 3 is prohibited, so both the payment terminal 3 and the POS terminal 2 prohibit the payment. be able to. Therefore, there is no conflict between the payment processing at the payment terminal 3 and the payment processing at the POS terminal 2.

Furthermore, in the embodiment, when the card amount included in the card amount information is insufficient, the payment terminal 3 charges the card, so that the payment process can be executed without causing an error in the payment process.

Furthermore, in the embodiment, if the amount of money is charged in excess of the amount that is insufficient, the payment terminal 3 can execute the payment process without causing an error in the payment process.

Further, in the embodiment, since the type of card that can be charged is determined and the card is charged if the card is chargeable, the payment terminal 3 automatically performs the charging process for the card that can be charged. , in the case of a card that cannot be charged, payment processing can be prohibited and error processing can be executed.

Further, in the embodiment, since the payment terminal 3 displays a command reception display 90 indicating that the payment command has been received, the operator can confirm that the payment command has been received.

Note that the embodiments are presented as examples and are not intended to limit the scope of the invention. This novel embodiment can be implemented in various other forms, and various omissions, substitutions, and changes can be made without departing from the gist of the invention. This embodiment and its modifications are included within the scope and gist of the invention, as well as within the scope of the invention described in the claims and its equivalents.

For example, in the embodiment, the payment terminal 3 is described as being separate from the POS terminal 2, but the housings of both may be integrated. Further, the payment terminal 3 and the electronic money terminal 4 may be integrated.

The program executed by the payment terminal 3 of the embodiment is an installable or executable file that can be read by a computer such as a CD-ROM, flexible disk (FD), CD-R, or DVD (Digital Versatile Disk). Provided recorded on a possible recording medium.

Further, the program executed by the payment terminal 3 of the embodiment may be stored on a computer connected to a network such as the Internet, and may be provided by being downloaded via the network. Further, the program executed by the payment terminal 3 may be provided or distributed via a network such as the Internet.

Further, the program executed by the payment terminal 3 of the embodiment may be provided by being incorporated in a ROM or the like in advance.

100 Control unit 101 Payment means 102 Receiving means 103 First judgment means 104 Error processing means 105 Transmission means 106 Charging means 107 Shortage amount calculation means 108 Settlement restoration means 109 Second judgment means

JP2009-75986A

Claims (6)

a payment amount receiving means for receiving payment amount information from the product sales data processing device;
balance receiving means for receiving balance information stored in the electronic money medium from an external device that reads information on the electronic money medium;
a charge operation reception means for accepting an operation of charging amount information to an electronic money medium;
determining whether the electronic money medium is a chargeable medium when the balance information received by the balance receiving means is insufficient with respect to the payment amount information received by the payment amount receiving means; means and
When the electronic money medium is a chargeable medium, after accepting a charging operation by the charging operation receiving means and charging amount information to the electronic money medium, the balance information is insufficient with respect to the payment amount information. If not, a payment method that processes electronic money payments,
Charge key and
Equipped with
The payment means does not perform the electronic money payment process if the type of the electronic money medium is a type that prohibits the electronic money payment process when the balance information is insufficient; If the type does not prohibit the electronic money payment process in the event of a shortage, the determining means determines whether the electronic money medium is a chargeable medium on the condition that the charge key is operated.
Payment terminal. The amount of money that is insufficient for payment is calculated from the payment amount information and the balance information, and the amount of money to be charged is calculated from the amount of money charged by the operation accepted by the charging operation receiving means and the amount of shortage. The system further comprises a shortfall amount display means for displaying the shortfall amount on a display unit when there is a shortfall in electronic money payment processing.
The payment terminal according to claim 1. a payment amount receiving means for receiving payment amount information from the product sales data processing device;
balance receiving means for receiving balance information stored in the electronic money medium from an external device that reads information on the electronic money medium;
a charge operation reception means for accepting an operation of charging amount information to an electronic money medium;
determining whether the electronic money medium is a chargeable medium when the balance information received by the balance receiving means is insufficient with respect to the payment amount information received by the payment amount receiving means; means and
When the electronic money medium is a chargeable medium, after accepting a charging operation by the charging operation receiving means and charging amount information to the electronic money medium, the balance information is insufficient with respect to the payment amount information. If not, a payment method that processes electronic money payments,
a setting means for setting whether or not to prohibit the electronic money payment processing when the balance information is insufficient with respect to the payment amount information;
Transmitting means for transmitting the result of payment processing to the product sales data processing device;
Equipped with
If the setting means is set to not prohibit the electronic money payment processing, the payment means may process the electronic money according to the balance information even if the balance information is insufficient for the payment amount information. Process the payment,
The transmitting means transmits unsettled amount information indicating an unsettled amount in the electronic money payment process to the product sales data processing device.
Payment terminal. The method further comprises a storage means for setting for each type of electronic money medium whether or not to prohibit the electronic money payment processing by the payment terminal when the balance information is insufficient with respect to the payment amount information. ,
The payment terminal according to claim 3 . A computer as a payment terminal equipped with a charge key ,
a payment amount receiving means for receiving payment amount information from the product sales data processing device;
balance receiving means for receiving balance information stored in the electronic money medium from an external device that reads information on the electronic money medium;
a charge operation reception means for accepting an operation of charging amount information to an electronic money medium;
determining whether the electronic money medium is a chargeable medium when the balance information received by the balance receiving means is insufficient with respect to the payment amount information received by the payment amount receiving means; means and
When the electronic money medium is a chargeable medium, after accepting a charging operation by the charging operation receiving means and charging amount information to the electronic money medium, the balance information is insufficient with respect to the payment amount information. If not, a payment method that processes electronic money payments,
and make it work ,
The payment means does not perform the electronic money payment process if the type of the electronic money medium is a type that prohibits the electronic money payment process when the balance information is insufficient; If the type does not prohibit the electronic money payment process in the event of a shortage, the determining means determines whether the electronic money medium is a chargeable medium on the condition that the charge key is operated.
program. A computer as a payment terminal,
a payment amount receiving means for receiving payment amount information from the product sales data processing device;
balance receiving means for receiving balance information stored in the electronic money medium from an external device that reads information on the electronic money medium;
a charge operation reception means for accepting an operation of charging amount information to an electronic money medium;
determining whether the electronic money medium is a chargeable medium when the balance information received by the balance receiving means is insufficient with respect to the payment amount information received by the payment amount receiving means; means and
When the electronic money medium is a chargeable medium, after accepting a charging operation by the charging operation receiving means and charging amount information to the electronic money medium, the balance information is insufficient with respect to the payment amount information. If not, a payment method that processes electronic money payments,
a setting means for setting whether or not to prohibit the electronic money payment processing when the balance information is insufficient with respect to the payment amount information;
Transmitting means for transmitting the result of payment processing at the payment terminal to the product sales data processing device;
Equipped with
If the setting means is set to not prohibit the electronic money payment processing, the payment means may process the electronic money according to the balance information even if the balance information is insufficient for the payment amount information. Process the payment,
The transmitting means transmits unsettled amount information indicating an unsettled amount in the electronic money payment process to the product sales data processing device.
program.

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