JPH09114892A - Device and system for settlement of accounts - Google Patents

Abstract

PROBLEM TO BE SOLVED: To efficiently execute a settling processing and to reduce the number of settling devices by providing a shared settling function which permits reception without regard to the kind of a settling card and settle-processes by sharing in spite of a single device. SOLUTION: When a customer pays a price for merchandise he/she buys with a card, a settling card insertion port 16 receive-permits the insertion of the settling card 19 such as a cash card 19a, a credit card 19b, an electronic wallet 19c and executes the settling for shopping by means of this inserted settling card 19. At this time a display 12 switch-displays an input operation guide corresponding to the kind of the inserted using card to make input keys 13 such as function keys input-operated in accordance with this displayed guide to decide the contents of transaction. In addition, when the input keys 13 is provided with a switch key, the display picture of the display 12 is switched to an optional operation picture by input-operating this switch key when a hybrid card is inserted.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement apparatus for settlement of shopping using a settlement card such as a credit card, a cash card, an electronic wallet card, and a prepaid card. More specifically, a single settlement apparatus accepts a plurality of types of settlement cards. The present invention relates to a payment device and a payment system that allow payment processing.

[0002]

2. Description of the Related Art Generally, in the case of payment for shopping using a credit card, personal authentication is carried out by communicating with a credit company at the time of payment for the shopping, and if the payment for the shopping is permitted by this personal authentication, the purchase is made from an account of a financial institution. The amount has been withdrawn. In addition to this credit card system, in recent years, an electronic wallet system has been known that uses an electronic wallet card having a monetary value such as a cash card or an IC card to make payment for shopping.

In this electronic wallet system, the owner of the electronic wallet card stores information in the electronic wallet card to deduct the monetary value from the account of his financial institution by using a depositing terminal such as a telephone or an automatic teller machine. If you use this electronic wallet card to make payments for shopping, the clerk inserts this card into the payment terminal of the store and pays money according to the purchase from the inserted electronic wallet card. Value is subtracted, and the subtracted monetary value is transmitted to an account of a financial institution of a store by using a public line or stored in a storage unit of a payment terminal for data management.

However, at the time of this payment, the store side needs a number of payment terminals corresponding to the payment cards in order to handle and accept two or more kinds of payment cards such as credit cards, electronic wallet cards and cash cards. On the store side, multiple payment terminals were required, resulting in high cost, and because multiple installation locations were required, the space around the cash register in the store was narrow.

Also, when making a payment using an electronic wallet card,
If the subtracted monetary value is transmitted to the account of the financial institution of the store by using the public line, there is a problem that the fee of the financial institution and the communication cost are required and the profit of the store is reduced.

[0006]

SUMMARY OF THE INVENTION Therefore, the present invention has a common settlement function that accepts regardless of the type of settlement card and performs settlement processing in common even though it is a single unit, and this settlement operation is simple. An object of the present invention is to provide a payment device and a payment system that can be realized.

[0007]

According to the first aspect of the present invention,
A payment device that accepts and processes two or more types of media having different payment methods, and is characterized by including switching means for switching to operation guidance corresponding to the type of the accepted media.

According to the second aspect of the invention, the first medium (credit card, cash card) to which no value is added and the second medium (electronic wallet card) to which value is added are accepted and settled. A settlement device for processing, a discriminating means for discriminating the type of medium used in the settlement processing, and a first medium when the discriminating means discriminates the first medium.
When the discriminating means discriminates the second medium, the second display means performs the operation display corresponding to the settlement processing of the medium,
And a second display unit for displaying an operation corresponding to the settlement processing of the medium.

According to a third aspect of the present invention, the settlement apparatus is composed of a portable wireless terminal device.

According to a fourth aspect of the present invention, there is provided a first medium to which no value is added and a second medium to which a value is added, a settlement device that receives the medium and performs settlement processing, and the settlement device. When the settlement process is performed, the first settlement means for performing settlement processing using the network and the settlement device for making the settlement using the first medium perform the settlement using the first settlement means. When the settlement apparatus uses the second medium to make a settlement, the settlement system is provided with a second settlement unit that writes the settlement information to another value medium.

[0011]

According to the present invention, a plurality of payment media can be processed by one payment device, so that payment processing can be performed efficiently, and the number of payment devices installed can be reduced, so that the cost can be reduced. . Further, since the operation guide is switched to and displayed according to the type of medium at the time of payment, it is possible to efficiently perform payment processing for a plurality of media used at the time of payment. Further, by configuring the payment device with a portable wireless terminal device, it is possible to perform payment processing from an arbitrary place when conducting outdoor business activities. Furthermore, at the time of payment for a medium having value, the payment information using this medium can be stored in another recording medium and managed without going through a network, so that communication costs can be reduced.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below in detail with reference to the drawings. FIG. 1 shows a card payment system, and a card payment device 11 used in this card payment system has a small rectangular shape suitable for being carried by a store clerk or a salesperson, and has a front face for operation guidance. , An input key 13 thereof, and a printer 14, an upper surface has an antenna 15 for wireless communication, and a lower surface has a payment card insertion slot 16 and a store card insertion slot 17. However, a loading card insertion port 18 is opened on one side surface.

As shown in FIGS. 2 to 4, the above-mentioned display 12 displays the input operation guide according to the type of the inserted usage card, and the input keys 13 such as the function keys are displayed according to the display guide. Input the transaction and decide the transaction details.

The input key 13 is provided with various keys such as function keys and ten keys necessary for input operation at the time of settlement. For example, when a switching key is provided as shown in FIG. By inputting this switching key, the display screen of the display unit 12 is switched to an arbitrary operation screen when a hybrid card (a card including a cash card, a credit card, and an electronic wallet card) is inserted. You can

When the settlement is completed, the settlement information of the product purchased by the customer is printed out by the printer 14 each time and the slip 14a is issued. The payment card insertion slot 16 described above
Is a cash card 19a or a credit card 19 when a customer pays for a product purchased with a card.
b, the payment card 19 such as the electronic wallet card 19c is inserted and accepted, and the payment card 19 inserted therein is used for shopping settlement.

Further, when the cash card 19a is inserted at this time, the personal identification of the customer set by communicating with the transaction designated bank 21 of the transaction user through the network 20 for wireless communication is carried out, and the customer himself or herself. If it is confirmed that the payment is permitted, the purchase amount is deducted from the account of the transaction designated bank 21 and processed.

When the credit card 19b is inserted at this time, the customer is personally authenticated by communicating with the credit company 22 ... If there is authentication, the payment is permitted and the purchase amount is deducted from the account of the transaction financial institution and processed.

Further, when the electronic wallet card 19c having the value information attached to the card itself is inserted, the purchase amount is reduced from the value information given to the electronic wallet card 19c and debit processing is performed.

This single card payment device 11 stores and manages the payment information when the payment is made using the payment card 19. At this time, when the cash card 19a or the credit card 19b to which the value information is not attached to the card itself is used, the data processing is completed by only one of the cash card 19a and the credit card 19b, but the electronic wallet card 19c. When using, store card 2 to be inserted into store card insertion slot 17 at the same time
The payment information is stored in 3 and the two cards 19c and 23 are stored.
Is used together to process data.

The above-mentioned store card insertion slot 17 allows the store card 23 to be received and the store card 2 inserted therein.
3 stores the payment information when the electronic wallet card is used for operation management, and when the electronic wallet card 19c is inserted into the payment card insertion slot 16, the store is inserted into the store card insertion opening 17 in accordance with this. The card 23 is inserted and the payment operation is performed in pairs. Therefore, when many store cards 23 issued for each store are allowed to be handled, many stores can efficiently use one card settlement apparatus 11.

The loading card insertion slot 18 is
A loading card 24 for recording and setting a program that allows the newly affiliated financial institution to handle the payment card 19 is inserted. In the figure, 25 is an IC contact portion.

FIG. 6 shows a block diagram of a control circuit of the card settlement apparatus. The CPU 61 controls each circuit device according to a program stored in the ROM 62, and the control data is read by R.
It is stored so that it can be read by the AM 63.

The payment card data processing unit 64 reads the data of the payment card 19 inserted at the time of payment and determines whether the inserted payment card 19 is a cash card 19a, a credit card 19b or an electronic wallet card 19c,
In addition, the validity of the cash card is judged and the proper cash card 19
If it is determined to be a or a credit card 19b, the settlement information is settled through these determined cards, and if it is determined to be an electronic wallet card 19c, the electronic wallet card 19c.
The purchase amount is deducted from, and the deducted deduction information is written into the electronic wallet card 19c.

Further, the store card data processing unit 65 reads the data of the store card 23 inserted at the same time at the time of payment and judges the validity of the inserted store card 23,
At this time, the settlement information settled using the electronic wallet card 19c is written and processed.

The loading card data processing unit 66 is
Read the information on the inserted loading card 24,
Set up a new transaction with a new affiliated financial institution. FIG. 7 shows an example of a RAM table 71 that stores and manages payment information. In the RAM table 71, transaction designated bank codes 72a, 72b ... Used for payment and credit company codes 73a, 73b. Each electronic wallet card issuing agency code 74a, 74b used at the time of payment ...
, A cash card operation program 75, a credit card operation program 76, and an electronic wallet card operation program 77, which store data necessary for payment processing. When the payment card 19 is inserted, this payment card 19 is stored. Card data of 19 and each usage code 72a, 72b ..., 73a, 7 stored in the RAM table 71
3b ..., 74a, 74b ..., depending on whether or not the cash card 19a or the credit card 1
It is determined whether it is 9b or electronic wallet card 19c.

Further, the CPU 61 uses the cash card 19
When it is determined that "a" has been inserted, the operation procedure for controlling the cash card operation program 75 and inputting the payment information using the cash card 19a is displayed on the display unit 12.
When it is determined that the credit card 19b is inserted, the credit card operation program 76 is controlled to display the operation procedure for inputting the payment information using the credit card 19b on the display unit 12. . Similarly, when it is determined that the electronic wallet card 19c is inserted, the electronic wallet card operation program 77 is controlled to guide the operation procedure for inputting the payment information using the electronic wallet card 19c on the display unit 12, CPU
Reference numeral 61 switches and displays the optimum operation guidance according to the type of each inserted usage card.

The card payment device 11 configured as described above
Figure 8 shows the processing operation of the card payment system that makes payment using
~ It demonstrates with reference to the flowchart of FIG. Now, when any one of the cash card 19a, the credit card 19b, and the electronic wallet card 19c is inserted into the payment card insertion slot 16 of the card payment device 11, the card data is immediately transferred to the payment card data processing unit 64. The card is read (steps n1 to n2), and the CPU 61 collates the read card data with the code data stored in the RAM table 71 to determine the card type (step n3). Card 19c
If it is determined that the card has been inserted, then the store card 23
When the store card 23 is inserted and the payment preparation is completed, as shown in FIG. 3, an input item for withdrawal or balance inquiry corresponding to the electronic wallet card 19c is displayed and displayed, as shown in FIG. When the withdrawal item is input and designated, the settlement information to be used for settlement is sequentially input according to the input designation (steps n4 to n5).

When a settlement transaction using the electronic wallet card 19c is established in accordance with this, the CPU 61 executes settlement processing, writes the settlement information in the electronic wallet card 19c and the store card 23, and drives the printer 14. Then, the slip 14a on which the payment information is printed is printed out at the same time, and the two-piece set payment process using the electronic wallet card 19c and the store card 23 is completed. In this case, since individual payment information can be stored and managed in one of the two store cards 23 used as a set, the payment information for each customer can be arbitrarily read later using this store card 23. Yes (steps n6 to n8).

On the other hand, when it is determined that the credit card 19b is inserted, as shown in FIG. 2, the display unit 12 displays input items for one-time payment / revolving / inquiry / balance inquiry corresponding to the credit 19b. When the customer is guided and the payment information requested by the customer is input in accordance with the guidance, the CPU 6
1 checks the authentication information of the customer against the credit company code (steps n9 to n10), and if payment by the credit card 19b is permitted by this authentication, the purchase amount of the customer from the account of the transaction financial institution of the customer. Withdrawal processing is performed, and the payment information thus withdrawn is displayed on the display unit 12, and the slip 14a on which the payment information is printed is printed out and the payment processing with the credit card 19b is completed (steps n11 to n13).

If it is determined that the cash card 19a has been inserted, then the personal identification number for identifying the customer is input, and the personal identification number is collated by communicating with the designated transaction bank 21 of the transaction user ( Step n14), when it is confirmed that the customer is the customer himself, the settlement is permitted, and as shown in FIG. 4, an input item for withdrawal or balance inquiry corresponding to the cash card 19a is displayed and displayed on the display unit 12, and Based on this, the customer's payment information is input, and the purchase amount is deducted from the account of the transaction designated bank 21 based on the input and specified payment information (steps n15 to n16).

The withdrawn payment information is displayed and displayed on the display 12, and the slip 14a on which the payment information is printed is printed out to complete the payment processing by the cash card 19a (steps n17 to n18).

As described above, one card payment device can process a plurality of types of payment cards such as cash cards, credit cards, and electronic wallet cards, so that the payment process can be performed efficiently, and the number of installed card payment devices can be increased. Since it can be reduced, the cost can be reduced. Further, since the operation guide is switched to and displayed according to the type of payment card at the time of payment, it is possible to efficiently perform payment processing on a plurality of payment cards used at the time of payment. Further, by configuring the card payment device with a portable wireless terminal device, it is possible to perform payment processing from an arbitrary place when conducting business activities outdoors. Further, when a card with a value such as an electronic wallet card is settled, the settlement information using this card can be stored and managed in another store card without going through the network, so that communication costs can be reduced.

In the correspondence between the present invention and the configuration of the above-described embodiment, the settlement apparatus and the wireless terminal device of the present invention correspond to the card settlement apparatus 11 of the embodiment. The first medium corresponds to the payment system, and the first medium is the cash card 19a of the payment card 19.
And the credit card 19b, the second medium is
Corresponds to the electronic wallet card 19c of the payment card 19, the first
The display means and the second display means correspond to the display device 12, the switching means, the discriminating means, the first settlement means and the second settlement means correspond to the CPU 61, and another value medium is a store card. Although it corresponds to No. 23, the present invention is not limited to the configuration of the above-described embodiment.

For example, the printer 14 is the card settlement device 11
However, it is possible to print out by connecting to a printer of another device.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram of a card payment system of the present invention.

FIG. 2 is a display explanatory view showing operation guidance when using a credit card according to the present invention.

FIG. 3 is a display explanatory view showing operation guidance when using the electronic wallet card of the present invention.

FIG. 4 is a display explanatory view showing operation guidance when using a cash card according to the present invention.

FIG. 5 is a plan view showing an arrangement state of input keys of the card payment device of the present invention.

FIG. 6 is a block diagram of a control circuit of the card payment device of the present invention.

FIG. 7 is an explanatory diagram showing a RAM table of the card payment device of the present invention.

FIG. 8 is a flowchart showing the processing operation of the card payment device of the present invention.

FIG. 9 is a flowchart following FIG. 8 of the present invention;

[Explanation of symbols]

 11 ... Card payment device 12 ... Display device 14a ... Voucher 15 ... Antenna 19 ... Payment card 19a ... Cash card 19b ... Credit card 19c ... Electronic wallet card 20 ... Network 23 ... Store card 61 ... CPU

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Toru Kurumo Omron Co., Ltd. 10 Hanazono Todocho, Ukyo-ku, Kyoto-shi, Kyoto

Claims (4)

[Claims] 1. A settlement apparatus which receives and settlement processing of two or more types of media having different settlement methods, the settlement apparatus having a switching means for switching to operation guidance corresponding to the type of the received medium. 2. A settlement device for accepting and processing a first medium to which no value is added and a second medium to which a value is added, the type of medium used for the settlement process When the determination means determines the first medium, the determination means determines an operation display corresponding to the settlement processing of the first medium, and the determination means determines the second medium. And a second display unit that displays an operation corresponding to the settlement process of the second medium when the determination is made. 3. A payment device comprising the payment device according to claim 1 or 2 as a portable wireless terminal device. 4. A first medium to which no value is added and a second medium to which a value is added, a settlement device that accepts the medium and performs settlement processing, and a settlement processing using the settlement device. When the first settlement means for performing settlement processing using a network and the settlement apparatus perform settlement using the first medium, the settlement is performed using the first settlement means, and the second settlement method is performed by the settlement apparatus. Second payment means for writing payment information to another value medium when the payment is made using the medium.