JP7133447B2 - Payment processing system and payment processing method - Google Patents

Description

Article 30, Paragraph 2 of the Patent Act applies On June 22, 2018, it was published as a driver for multi-service, change specifications.

The present invention relates to a payment processing system and a payment processing method.

In recent years, various payment processing systems for purchasing products using electronic money have been proposed. For example, in the system described in Patent Document 1, when a customer visiting a store inserts a debit card into a card reader of a cash register, card information of the debit card is transmitted from the cash register to the host computer of the financial institution. The validity of the debit card is then determined while establishing communication with the financial institution's host computer. Further, when it is determined that the debit card is valid, settlement processing using the debit card is executed.

JP-A-2001-216569

By the way, in the system described in the above document, if a communication error occurs between the register and the host computer of the financial institution while the validity of the debit card is being determined, the debit card settlement process is stopped. . Then, after the communication environment was restored, a correction process was sent from the cash register to the host computer of the financial institution to the effect that the debit card settlement process was cancelled. In other words, regardless of whether the debit card is valid or not, payment processing is uniformly canceled in the event of a communication error, so there is still room for improvement in terms of user convenience.

The present invention has been made in view of such circumstances, and its object is to provide a payment processing system and a payment processing method that can improve the convenience of payment processing using electronic money.

A payment processing system that solves the above problems is configured to be able to communicate with a payment processing unit that performs payment processing for products using electronic money, and to be able to communicate with the payment processing unit. and a processing determination unit that determines whether or not settlement processing by the settlement processing unit can be established. The processing determination unit receives payment information received from the reading unit, The history of the settlement information is compared with the history of the existing settlement information, and if the comparison is established, it is determined that the settlement processing is established.

A payment processing method for solving the above problems includes a receiving step of receiving payment information from a reading unit, and comparing the payment information received in the receiving step with the history of the payment information stored in the payment processing unit. It includes a collation step, and a judgment step of judging that the settlement process is established when the collation is established in the collation step.

According to the above configuration, even if a communication error occurs between the payment processing unit and the reading unit, the payment information received from the reading unit can be compared with the payment information history stored in the payment processing unit. determines whether or not the settlement process was established immediately before the communication error occurred. Therefore, regardless of whether or not a communication error has occurred, it becomes easier to secure an opportunity to execute the payment processing, and the convenience of the payment processing can be enhanced.

In the above payment processing system, when the payment processing unit fails to receive the payment information transmitted from the reading unit, the processing determination unit includes the payment information received by the payment processing unit from the reading unit; It is preferable to collate with the payment information stored in the payment processing unit.

According to the above configuration, the payment information is verified on the condition that the payment information transmitted from the reading unit could not be received, so the frequency of verification of the payment information can be appropriately suppressed.

In the payment processing system described above, it is preferable that the reading unit transmits the payment information to the processing determination unit in response to an instruction from the payment processing unit.

According to the above configuration, since the conditions for transmitting the payment information from the reading unit are set in advance, it is possible to appropriately reduce the frequency of transmitting the payment information.

In the payment processing system described above, it is preferable that the payment information is information including processing date and time of payment processing.

According to the above configuration, when a communication error occurs, based on whether the processing date and time of payment processing received from the reading unit in the past and the processing date and time of payment processing stored in the payment processing unit match. It can be determined whether or not the settlement process has been established.

In the payment processing system described above, it is preferable that the payment processing unit and the processing determination unit are provided in the same device.

According to the above configuration, it is possible to simplify the system configuration of the payment processing system.

In the above payment processing system, when the payment processing unit fails to receive the payment information from the reading unit and receives from the reading unit a response to an instruction to cancel payment processing from the payment processing unit, the reading It is preferable to request the payment information from the department.

According to the above configuration, it is possible to request payment information from the reading section after accurately determining whether or not a communication error has occurred between the payment processing section and the reading section.

1 is a schematic diagram showing a schematic configuration of an embodiment of a payment processing system; FIG. 4 is a sequence chart showing the flow of product payment processing executed by the payment processing system according to the embodiment; 4 is a sequence chart showing the flow of product payment processing executed by the payment processing system according to the embodiment; 4 is a sequence chart showing the flow of product payment processing executed by the payment processing system according to the embodiment; 4 is a sequence chart showing the flow of product payment processing executed by the payment processing system according to the embodiment; 4 is a sequence chart showing the flow of product payment processing executed by the payment processing system according to the embodiment;

An embodiment of a payment processing system will be described below with reference to the drawings.

The payment processing system of the present embodiment includes a payment processing device such as a POS system (Point of sale system) and a reader/writer terminal. In this system, when payment information is input to the payment processing device, the payment information is transferred from the payment processing device to the reader/writer terminal, and the reader/writer terminal prompts the purchaser of the product to read the IC card. Then, when the purchaser of the product holds the IC card over the reader/writer terminal, non-contact communication is performed between the IC card and the reader/writer terminal, and payment processing for the product using electronic money is executed. Then, when the product settlement process is executed, the balance amount of the electronic money recorded in the IC card is updated to the amount obtained by subtracting the purchase price of the product.

As shown in FIG. 1, the payment processing apparatus 100 is configured by, for example, a cash register installed in a store. The control unit 110 of the payment processing apparatus 100 controls product payment processing using electronic money, and is connected to an operation unit 130 , a display unit 140 and an interface unit 150 . The operation unit 130 is, for example, a keyboard, and is operated by a store clerk at the store where the payment processing apparatus 100 is installed when inputting the payment amount. The display unit 140 is, for example, a liquid crystal display, and displays the settlement amount entered through the operation unit 130 . The interface unit 150 transmits and receives payment information including the payment amount to and from the reader/writer terminal 200 .

The storage unit 120 of the payment processing apparatus 100 stores various information read and written by the control unit 110 when executing the payment processing program. Various types of information include history information of payment information D1 generated each time the control unit 110 executes payment processing for a product. In this case, the payment information D1 includes the payment amount and the date and time of payment processing.

The control unit 210 of the reader/writer terminal 200 controls communication processing with the payment processing apparatus 100 and reading processing of the IC card 300 as an example of an information medium executed during product payment processing. , and the communication unit 240 . The interface unit 230 transmits and receives payment information to and from the payment processing apparatus 100 . The communication unit 240 communicates with the IC card 300 and transmits/receives the card information D3 of the IC card 300 between the control unit 210 and the IC card 300 . The card information D3 of the IC card 300 includes the identification information of the IC card 300 and the balance amount.

The storage unit 220 of the reader/writer terminal 200 stores payment information D2 that is transmitted/received to/from the payment processing apparatus 100 when the control unit 210 executes payment processing for products with the payment processing apparatus 100 . In this case, the payment information D2 includes the most recent information regarding the payment amount and the date and time of payment processing. That is, the control unit 210 of the reader/writer terminal stores the payment information D2 in the storage unit 220 each time the payment processing for the product is executed. update the payment information D2 stored in

The control unit 310 of the IC card 300 manages card information D3 including the balance amount of electronic money. The control unit 310 of the IC card 300 controls reading processing of the IC card 300 through communication with the reader/writer terminal 200 and is connected to the communication unit 330 . The communication unit 330 communicates with the reader/writer terminal 200 and transmits/receives the card information D3 of the IC card 300 between the control unit 310 of the IC card 300 and the reader/writer terminal 200 . In addition, when the payment processing for the product is executed, the communication unit 240 transmits information regarding the payment processing to the data center 400 . At this time, the communication unit 240 may read the updated card information D3 from the IC card 300 and transmit it to the data center 400 . Note that the data center 400 comprehensively manages information related to product payment processing and card information D3 of the IC cards 300 possessed by a plurality of users.

When the payment processing is executed between the reader/writer terminal 200 and the IC card 300, the control unit 110 of the payment processing apparatus 100 receives a message from the reader/writer terminal 200 indicating that the payment processing has been executed. When this message is received, the control unit 110 determines that the settlement process has been completed. Further, when the payment processing is executed between the reader/writer terminal 200 and the IC card 300, the control unit 210 of the reader/writer terminal 200 stores information on the payment processing in the storage unit 220, and stores the information. It transmits to the data center 400 through the communication unit 240 . In this case, the information regarding payment processing may include card information D3 of IC card 300 after payment processing.

In addition, the control unit 210 of the reader/writer terminal 200 updates the card information D3 with the amount obtained by subtracting the settlement amount from the balance amount of the IC card 300 as the new balance amount, and updates the card information D3 after the update through the communication unit 240. Send to IC card 300 .

Then, when the settlement processing apparatus 100 receives a telegram indicating that the settlement process has been executed from the control unit 210 of the reader/writer terminal 200, the settlement processing apparatus 100 presents to the store clerk through the display unit 140 that the settlement process has been completed.

Next, the flow of product payment processing executed by the payment processing system of the present embodiment will be described.

As shown in FIG. 2 , in the case of product payment processing, first, a store clerk inputs a payment amount through the operation unit 130 of the payment processing device 100 . Then, the payment processing apparatus 100 issues a payment command to the reader/writer terminal 200 and prompts the reader/writer terminal 200 to start payment processing. Note that the payment processing apparatus 100 stores the payment information D1 included in the payment command in the storage unit 120 as history information each time the payment command is issued.

When the reader/writer terminal 200 receives the payment command issued by the payment processing apparatus 100, the reader/writer terminal 200 waits until the purchaser of the product holds the IC card 300 over it. Then, when the IC card 300 is held over the reader/writer terminal 200 , settlement processing is started between the IC card 300 and the reader/writer terminal 200 .

In this case, the reader/writer terminal 200 reads the card information D3 from the IC card 300 and compares the balance amount of the IC card 300 with the settlement amount. Then, the reader/writer terminal 200 determines that the settlement process has been completed on the condition that the balance amount of the IC card 300 is equal to or greater than the settlement amount, or that the IC card 300 is a valid card.

When the reader/writer terminal 200 determines that the payment process has been completed, the reader/writer terminal 200 overwrites and saves the payment information D2 included in the payment command received from the payment processing apparatus 100 in the storage unit 220 as the latest payment information. In addition, when the reader/writer terminal 200 determines that the payment processing is successful, it issues a payment response to the payment processing apparatus 100 . When the payment processing apparatus 100 receives the payment response issued by the reader/writer terminal 200, the payment processing apparatus 100 presents the success of the payment process to the store clerk through the display unit 140. FIG.

When the reader/writer terminal 200 determines that the settlement process has been completed, the reader/writer terminal 200 updates the card information D3 with an amount obtained by subtracting the settlement amount from the balance amount of the IC card 300 as a new balance amount, and updates the card information D3 after the update. to the IC card 300 . Then, the IC card 300 overwrites and saves the updated card information D3 received from the reader/writer terminal 200 in the storage unit 320 .

In addition, when the reader/writer terminal 200 determines that the payment process has been established, it transmits payment establishment data indicating that the payment process has been established to the data center 400 .

Here, as shown in FIG. 3, the communication environment between the payment processing apparatus 100 and the reader/writer terminal 200 may temporarily deteriorate due to noise, changes in the wireless communication environment, poor contact of communication cables, and the like. be. In this case, even if the reader/writer terminal 200 determines that the payment process is successful and issues a payment response to the payment processing apparatus 100, the issued payment response may disappear before it reaches the payment processing apparatus 100. . As a result, the settlement process is established between the reader/writer terminal 200 and the IC card 300, the card information D3 of the IC card 300 is updated, and the settlement completion data is transmitted from the reader/writer terminal 200 to the data center 400. is performed, the notification of successful settlement is not presented to the store clerk through the settlement processing device 100.例文帳に追加As a result, the store clerk has to request the reader/writer terminal 200 to read the IC card 300 again from the purchaser of the product, which may lead to double payment. On the other hand, the purchaser of the product may feel inconvenient to purchase the product using the IC card 300, or may lose the opportunity to purchase the product because only the balance amount of the IC card 300 is reduced. there were.

In this regard, as shown in FIG. 4 , in the present embodiment, the payment processing apparatus 100 starts timing from the time when the payment command is issued to the reader/writer terminal 200 . The payment processing apparatus 100 determines that the payment response has not been received when no payment response is issued from the reader/writer terminal 200 even after a certain period of time has passed since the payment command was issued.

When the payment processing apparatus 100 determines that the payment response has not been received, the payment processing apparatus 100 issues a payment information confirmation command to the reader/writer terminal 200 . Upon receiving the payment information confirmation command issued by the payment processing apparatus 100 , the reader/writer terminal 200 reads the most recent payment information D<b>2 stored in the storage unit 220 . The reader/writer terminal 200 then issues a payment information confirmation response including the most recent payment information D2 to the payment processing apparatus 100 .

More specifically, the reader/writer terminal 200 sends a payment information confirmation response to the payment processing apparatus 100 using the latest payment information D2 as the information on the processing date and time of the payment process included in the payment command received from the payment processing apparatus 100. issue.

Upon receiving the payment information confirmation response issued by the reader/writer terminal 200, the payment processing apparatus 100 combines the latest payment information D2 included in the received payment information confirmation response with the payment information D1 stored in the storage unit 120. Compare with historical information. More specifically, the payment processing apparatus 100 collates the processing date and time of the payment processing included in the latest payment information D2 with the processing date and time of the payment processing included in the latest payment information among the history information of the payment information D1. . Then, the payment processing apparatus 100 determines that the matching of the payment information D1 and D2 is established on the condition that the processing dates and times of these payment processing match or are within a predetermined allowable time. That is, the payment processing apparatus 100 sets the processing date and time of the payment processing when the payment processing apparatus 100 finally issued a payment command to the reader/writer terminal 200, and when the reader/writer terminal 200 determines that the payment processing is established. , or within a predetermined allowable time, regardless of whether or not a payment response has been received from the reader/writer terminal 200, it is determined that the payment has been completed. Then, when the payment processing apparatus 100 determines that the matching of the payment information D1 and D2 is successful, the payment processing apparatus 100 presents the establishment of the payment information D1 and D2 to the store clerk through the display unit 140 . Note that the predetermined allowable time is, for example, 10 seconds.

The processing date and time of the payment processing is not limited to the processing date and time of the payment processing included in the payment command received from the payment processing apparatus 100. For example, when the IC card 300 is held over the reader/writer terminal 200, the IC card 300 receives the card information D3. , the time when the reader/writer terminal 200 determines that the settlement process has been established, or the time when the updated card information D3 is transmitted from the reader/writer terminal 200 to the IC card 300. .

By the way, as shown in FIG. 5, for example, if the IC card 300 is insufficiently held over the reader/writer terminal 200, the settlement process between the reader/writer terminal 200 and the IC card 300 may not be completed. There is When the reader/writer terminal 200 detects that processing has not been completed, the reader/writer terminal 200 notifies the payment processing apparatus 100 of the processing that has not been completed. Further, when the payment processing apparatus 100 is notified by the reader/writer terminal 200 that processing has not been completed, the payment processing apparatus 100 issues a re-settlement command to the reader/writer terminal 200 to restart the payment processing. Then, when the payment processing in which the unfinished processing has occurred ends normally, the reader/writer terminal 200 determines that the unfinished processing has ended.

In this case, depending on the timing of incomplete payment processing, a situation may arise in which the payment processing is not completed while the card information D3 of the IC card 300 is updated. As a result, even though the purchaser of the product has not purchased the product, the settlement amount is deducted from the balance amount of the IC card 300, which reduces the reliability of the product settlement process using electronic money. In addition to the damage, there is a risk that the purchase of the next product will not be possible due to insufficient balance.

In this regard, as shown in FIG. 6, in the present embodiment, payment processing apparatus 100 starts timing when a re-settlement command is issued, and when a predetermined time elapses after issuing a re-settlement command, , a settlement history confirmation command is issued to the reader/writer terminal 200 . This re-settlement command is a command for the reader/writer terminal 200 to accept re-reading of the IC card 300 . When the reader/writer terminal 200 receives the payment history confirmation command issued by the payment processing apparatus 100, the reader/writer terminal 200 issues a payment history confirmation response to the payment processing apparatus 100 on the condition that the unfinished processing has been determined. .

When the payment processing apparatus 100 receives the payment history confirmation response issued by the reader/writer terminal 200, the payment processing apparatus 100 notifies the occurrence of incomplete processing through the display unit 140. FIG. Then, the payment processing apparatus 100 accepts a refund operation input by the store clerk through the operation unit 130 based on the notification of the occurrence of incomplete processing by the display unit 140 . Also, upon receiving a refund operation, the payment processing apparatus 100 issues a refund command to the reader/writer terminal 200 .

When the reader/writer terminal 200 receives the refund command issued by the payment processing apparatus 100, the reader/writer terminal 200 waits until the purchaser of the product holds the IC card 300 over it. Then, when the IC card 300 is held over the reader/writer terminal 200 , the refund process is started between the IC card 300 and the reader/writer terminal 200 .

In this case, the reader/writer terminal 200 reads card information D3 from the IC card 300 . Then, the reader/writer terminal 200 recovers the card information D3 as a new balance amount by adding the settlement amount for which processing has not been completed to the balance amount of the IC card 300, and restores the recovered card information D3 to the IC card. 300. Then, the IC card 300 overwrites and saves the recovered card information D3 received from the reader/writer terminal 200 in the storage unit 320 . Further, when the refund process with the IC card 300 is completed, the reader/writer terminal 200 issues a refund response to the payment processing apparatus 100 and notifies the payment processing apparatus 100 of the completion of the refund process.

As described above, according to the above embodiment, the following effects can be obtained.

(1) The payment processing apparatus 100 compares the payment information D2 received from the reader/writer terminal 200 with the history of the payment information D1 stored in the payment processing apparatus 100, and when the comparison is successful, the payment processing is established. It is determined that As a result, even if a communication error occurs between the payment processing apparatus 100 and the reader/writer terminal 200, it is possible to determine whether or not the payment process was successful immediately before the communication error occurred. Therefore, regardless of whether or not a communication error has occurred, it becomes easier to secure an opportunity to execute the payment processing, and the convenience of the payment processing can be enhanced.

(2) If the payment processing apparatus 100 fails to receive the payment information D2 transmitted from the reader/writer terminal 200, the payment processing apparatus 100 receives the payment information D2 from the reader/writer terminal 200 and the payment information D2. The payment information D1 stored in the processing device 100 is collated. That is, since the payment information D1 and D2 are checked on the condition that the payment information D2 transmitted from the reader/writer terminal 200 cannot be received, the frequency of checking the payment information D1 and D2 can be appropriately suppressed. can.

(3) The reader/writer terminal 200 transmits payment information D<b>2 to the payment processing apparatus 100 in response to an instruction from the payment processing apparatus 100 . Accordingly, since the conditions for transmitting the payment information D2 from the reader/writer terminal 200 are set in advance, the frequency of transmitting the payment information D2 can be appropriately suppressed.

(4) Payment information D1 and D2 is information including the date and time of payment processing. As a result, whether or not the processing date and time of payment processing received from the reader/writer terminal 200 in the past and the processing date and time of payment processing stored in the payment processing apparatus 100 match or are within a predetermined allowable time. Based on this, it is possible to determine whether or not the settlement process was established at the time when the communication error occurred. Accordingly, even when the communication environment between the payment processing apparatus 100 and the reader/writer terminal 200 becomes unstable and the communication becomes uncertain, the payment processing can be performed reliably.

(5) The payment processing apparatus 100 has a function of collating the payment information D1 and D2, and a function of determining whether or not the settlement process is established based on the collation result of the payment information D1 and D2. As a result, it is possible to simplify the system configuration of the payment processing system.

The above embodiment can also be implemented in the following forms.

- In the above-described embodiment, the payment processing apparatus 100 cancels the payment if the payment request is not received from the reader/writer terminal 200 even after a certain period of time has passed since the payment command was transmitted to the reader/writer terminal 200. A command may be transmitted to the reader/writer terminal 200 . Then, the payment processing apparatus 100 may transmit a payment information confirmation command on condition that a payment cancellation request is received from the reader/writer terminal 200 as a response to the payment cancellation command.

In the above embodiment, at least the function of the reader/writer terminal 200 to collate the payment information D1 and D2 and the function to determine whether or not the settlement process is established based on the collation result of the payment information D1 and D2 It may have one function. That is, these functions may be provided in the same device or may be provided in separate devices. In addition, at least one of the function of collating the payment information D1 and D2 and the function of determining whether or not the settlement process is established based on the collation result of the payment information D1 and D2 is performed by the payment processing apparatus 100 and the reader. It may be provided in a device different from the writer terminal 200 .

- In the above-described embodiment, the payment information may include, for example, an identification number assigned to each payment process, and a payment condition consisting of a combination of the store in the payment process, the type and number of products, the payment amount, and the like.

- In the above embodiment, if the reader/writer terminal 200 has an operation unit for inputting payment information, the payment processing apparatus 100 does not necessarily have to issue a payment command to the reader/writer terminal 200 .

- In the above embodiment, the reader/writer terminal 200 overwrites the latest information with the payment information D2 stored in the storage unit 220 each time the payment process is executed. Alternatively, the reader/writer terminal 200 may store the history of the payment information D2 in the storage unit 220 each time the payment process is executed. In this case, the payment processing apparatus 100 may check the payment information D1 and D2 by checking the identification number assigned to each payment process, the date and time of the payment process, and the like.

- In the above embodiment, the case where the payment processing apparatus 100 is a cash register installed in a store has been described as an example. However, the payment processing apparatus 100 is not necessarily limited to a register, and may be an information medium such as a tablet terminal that is connected to the reader/writer terminal 200 by wire or wirelessly.

- In the above-described embodiment, as the product payment processing using electronic money, the product payment processing using the IC card 300 has been described as an example. However, as payment processing for products using electronic money, it is also possible to apply other payment processing such as payment processing for products using a debit card or credit card.

100... payment processing apparatus as an example of a payment processing unit, 110... control unit, 120... storage unit, 130... operation unit, 140... display unit, 150... interface unit, 200... reader/writer terminal as an example of a reading unit, 210... Control unit 220... Storage unit 230... Interface unit 240... Communication unit 300... IC card as an example of information medium 310... Control unit 320... Storage unit 330... Communication unit D1... Payment information , D2... Payment information, D3... Card information.

Claims (5)

a payment processing unit that performs payment processing for products using electronic money;
a reading unit configured to be communicable with the payment processing unit and reading information related to electronic money stored in an information medium;
a processing determination unit that determines whether or not the settlement processing is established by the settlement processing unit;
The payment information includes the processing date and time of the payment process generated by the payment processing unit for each payment process,
The payment information history is the payment information of the payment process that the payment processing unit saves for each payment process,
When the payment processing unit fails to receive the payment information transmitted from the reading unit , the processing determination unit determines the processing date and time included in the most recent payment information in the reading unit received from the reading unit. , matching the processing date and time included in the latest payment information in the history of the payment information stored in the payment processing unit, and the two processing dates and times match, or the two processing dates and times are matched. A settlement processing system, wherein it is determined that the settlement processing has been established when it is within a predetermined allowable time . The payment processing system according to claim 1 , wherein the reading unit transmits the most recent payment information in the reading unit to the processing determination unit in response to an instruction from the payment processing unit. The payment processing system according to claim 1 or 2 , wherein the payment processing unit and the processing determination unit are provided in the same device. When the payment processing unit cannot receive the payment information from the reading unit and receives a response from the reading unit to the instruction to cancel the payment processing from the payment processing unit, the payment processing unit The payment processing system according to any one of claims 1 to 3 , wherein the most recent payment information in the reading unit is requested. The payment information includes the processing date and time of the payment process generated by the payment processing unit for each payment process,
The payment information history is the payment information of the payment process that the payment processing unit saves for each payment process,
a receiving step in which, when the payment processing unit fails to receive the payment information transmitted from the reading unit, the processing determination unit receives the latest payment information in the reading unit from the reading unit ;
The processing date and time included in the payment information received by the processing determination unit in the receiving step, and the processing date and time included in the latest payment information in the history of the payment information stored in the payment processing unit. A collation step in which the processing determination unit collates the
a determination step in which the processing determination unit determines that the settlement process is established when the two processing dates and times match or the two processing dates and times are within a predetermined allowable time in the collation step; A settlement processing method characterized by comprising:

Images