WO2020184067A1 - Payment system, payment device, and payment processing method - Google Patents

Abstract

The present invention increases the efficiency of processing relating to preparing change when receiving cash for payment. A payment device 10 calculates a payment amount by totaling the prices of goods that have been registered (S1), receives cash from a user (S2), and calculates, as a change amount, the difference between the payment amount and a received amount, which is the total amount of the cash that was received (S3). The payment device 10 generates a two-dimensional barcode in which the change amount and a notification destination have been encoded (S4), and outputs said barcode by displaying or printing the barcode (S5). A terminal device 70 of the user reads the two-dimensional barcode (S6), and charging of electronic money is executed by transmitting the change amount, the notification destination, and the user's account to a management server 80 (S7). After charging, the management server 80 notifies the payment device 10 indicated as the notification destination that charging is complete (S8). The payment device 10 receives the notification of charging completion from the management server 80 and ends the processing for issuing change.

Description

Payment system, payment device and payment processing method

The present invention relates to a payment system, a payment device, and a payment processing method that accept money from a user and settle the payment amount.

Conventionally, various stores such as convenience stores and supermarkets are often provided with a POS (Point Of Sale) cash register and a change machine communicatively connected to the POS cash register. For example, the clerk identifies the price of the product by performing a product registration operation for reading the barcode attached to the product using the barcode reader of the POS cash register. When the clerk inserts the money received from the customer who is the user into the change machine, the change is withdrawn from the change machine.

A technology (see, for example, Patent Document 1) that realizes a configuration called semi-self-registration in which a clerk performs the process of specifying the price of a product by a product registration operation and the customer performs deposits and withdrawals, and the customer from the product registration operation to deposit and withdrawal A technique (see, for example, Patent Document 2) for realizing a configuration called self-registration is also known.

Japanese Unexamined Patent Publication No. 2012-08532 Japanese Unexamined Patent Publication No. 2010-08615

However, with the conventional technology, withdrawal of money as change is a burden for both the store and the customer. Specifically, stores are forced to prepare sufficient money in preparation for withdrawal of change. Since it takes time for the customer to withdraw the change and receive it, if the response time required for each customer becomes long, it becomes a burden on the store. In some cases, the delivery of change caused trouble between the store and the customer. It is also desirable for customers to have a short response time. In particular, the delivery of small changes can be a hassle for customers.

From these facts, when accepting money and making payments, how to streamline the processing related to change and reduce the burden on stores and customers has become an important issue.

The present invention has been made to solve the above-mentioned problems of the prior art, and is a payment system, a payment device, and a payment process that can streamline the processing related to change when money is accepted and payment is performed. The purpose is to provide a method.

In order to solve the above-mentioned problems and achieve the object, the present invention is a payment system having a payment device that receives money from a user and makes a payment for the payment amount, and the money received by the payment device. When the received amount, which is the amount of money, exceeds the settlement amount, the calculation means for calculating the difference between the received amount and the settlement amount as the change amount and the information related to the addition of the electronic value corresponding to the change amount are output. It is characterized by including an output means for providing an electronic value and an giving means for giving the electronic value to the user based on the information output by the output means.

Further, in the present invention, in the above invention, the output means outputs an image in which information relating to the addition of electronic value is encoded by displaying and / or printing, and the adding means optically outputs the image. It is characterized by reading and specifying the information related to the addition of the electronic value.

Further, in the present invention, in the above invention, the output means is provided in the payment device to output information including the change amount, and the granting means is provided in the terminal device of the user to provide the change. It is characterized in that the electronic value of the amount of money is added to the balance of the predetermined electronic value of the user.

Further, in the above invention, the present invention is a payout processing means provided in the payment device and terminates the change payout process when a notification indicating that the electronic value addition process by the terminal device is completed is received. It is characterized by further providing.

Further, in the present invention, in the above invention, the output means is provided in the terminal device of the user to output information including the addition destination of the electronic value, and the granting means is provided in the payment device. Therefore, the electronic value of the change amount is added to the addition destination.

Further, in the present invention, in the above invention, the output means adds the electronic value of the change amount among a plurality of payout methods including cash payout and payout by adding the electronic value. When the payout by is selected, the information relating to the addition of the electronic value corresponding to the change amount is output.

Further, in the present invention, the present invention further includes a determination device for determining the settlement amount, and the determination device includes the calculation means and either the output means or the granting means. And.

Further, in the present invention, the present invention further includes a determination device for determining the payment amount, and the payment device includes the calculation means and either the output means or the granting means. And.

Further, the present invention is further characterized in that, in the above invention, a setting means for setting a condition for the balance of the electronic value and a process using the electronic value to be executed when the condition is satisfied is further provided. And.

Further, in the present invention, in the above invention, the output means and the granting means grant a part of the change amount to the user as the electronic value, and the payment device uses money for the rest of the change amount. It is characterized by paying out.

Further, the present invention is a settlement device that accepts money from a user and makes a settlement for the settlement amount, and when the acceptance amount, which is the amount of the accepted money, exceeds the settlement amount, the acceptance amount is combined with the acceptance amount. A calculation means for calculating the difference from the settlement amount as a change amount, an output means for outputting information related to the addition of an electronic value corresponding to the change amount, and an electronic value addition process by the user's terminal device. It is characterized in that it is provided with a payout processing means for ending the payout processing of the change when receiving a notification indicating that the change has been completed.

Further, the present invention is a payment processing method that accepts money from a user and makes a payment for the settlement amount, and when the received amount, which is the amount of money received by the payment device, exceeds the settlement amount, the above-mentioned Based on the calculation step of calculating the difference between the received amount and the settlement amount as the change amount, the output step of outputting the information related to the addition of the electronic value corresponding to the change amount, and the information output by the output step. It is characterized by including an giving step of giving the electronic value to the user.

According to the present invention, when money is accepted and settled, the processing related to change can be made more efficient.

FIG. 1 is an explanatory diagram for explaining the concept of the payment system according to the first embodiment. FIG. 2 is a perspective view showing an external configuration of the payment device. FIG. 3 is a functional block diagram showing a functional configuration of the payment device. FIG. 4 is a configuration diagram showing a configuration of a bill processing unit. FIG. 5 is a configuration diagram showing a configuration of a coin processing unit. FIG. 6 is a functional block diagram showing the configuration of the terminal device shown in FIG. FIG. 7 is a flowchart showing a processing procedure when the payment device receives money and makes a payment. FIG. 8 is a flowchart showing the details of the change payout process shown in FIG. 7. FIG. 9 is an explanatory diagram for selecting a change payout method. FIG. 10 is an explanatory diagram of a configuration when the payment device reads the two-dimensional code. FIG. 11 is a specific example of totaling the payment history. FIG. 12 is an explanatory diagram for explaining the concept of the payment system according to the second embodiment. FIG. 13 is a functional block diagram showing a functional configuration of the POS cash register and the change machine shown in FIG. FIG. 14 is a flowchart showing a processing procedure of the change machine. FIG. 15 is an explanatory diagram regarding the use of charged electronic money. FIG. 16 is an explanatory diagram of a configuration in which the POS cash register notifies the payment device of the payment amount.

Hereinafter, the payment system, the payment device, and the payment processing method according to the first embodiment will be described with reference to the attached drawings. In the first embodiment, the case where the present invention is applied to a payment system having a payment device arranged in a store such as a convenience store or a supermarket will be shown.

<Concept of payment system according to Example 1>
FIG. 1 is an explanatory diagram for explaining the concept of the payment system according to the first embodiment. The payment device 10 shown in FIG. 1 is a self-registration device installed in a store such as a convenience store or a supermarket, where a customer who is a user performs from product registration operation to deposit / withdrawal. Although the details will be described later, the payment device 10 has a built-in POS cash register (cash register) 20 for registering goods and a change machine 30 for depositing and withdrawing money.

When the user performs a registration operation on the product to be purchased, the payment device 10 calculates the payment amount by totaling the prices of the registered products (S1). The payment device 10 accepts the deposit of money by the user (S2), and calculates the difference between the received amount, which is the total amount of the deposited money, and the settlement amount as the change amount (S3).

The payment device 10 can give change as electronic money for the amount of change, instead of paying out the change in money. Electronic money is granted by adding the amount to be granted to the balance of the user's electronic money account. The process of adding an amount to the balance of an electronic money account in this way is called electronic money charging.

When the change is given as electronic money, the payment device 10 generates a two-dimensional code in which the information related to the charge of the electronic money is encoded (S4). The information related to the charge of electronic money includes the amount of change and the notification destination. This notification destination specifies where to notify the completion of charging of electronic money. The address of the payment device 10 or the like is used as the notification destination.

The payment device 10 outputs the generated two-dimensional code (S5). This output may be performed by display output to the display unit, print output to the receipt, or the like.

The user's terminal device 70 optically reads the two-dimensional code output to the payment device 10 (S6), decodes the two-dimensional code, and specifies the change amount and the notification destination. The terminal device 70 executes electronic money charging by transmitting a charge request including the specified change amount and notification destination and information for identifying the user's account managed by the own device to the management server 80 ( S7).

The management server 80 manages the balance of the electronic money account. When the management server 80 receives the charge request from the terminal device 70, the management server 80 adds the change amount to the balance of the account indicated in the charge request and notifies the payment device 10 designated as the notification destination of the completion of the charge (S8). .. The payment device 10 completes the change payout process by receiving a notification of charge completion from the management server 80.

In this way, when the received amount of money, which is the amount of money received, exceeds the payment amount, the payment device 10 calculates the difference between the received amount and the payment amount as a change amount, and charges the change amount as electronic money. The information required for this is output as a two-dimensional code. The user's terminal device 70 reads the two-dimensional code and charges the electronic money for the change amount.

By using such a configuration, when accepting money and making a settlement, it is possible to streamline the processing related to change and reduce the burden on the store and the user. Specifically, since it is possible to give change as an electronic value, it is possible to reduce the amount of money prepared for change. Compared to the case of handing over change in cash, the response time can be shortened and troubles between the store and the user can be suppressed. The response time is shortened and the delivery of change is not required, which improves convenience for customers.

<Device configuration>
The configuration of the payment device 10 will be described. FIG. 2 is a perspective view showing an external configuration of the payment device 10. As shown in FIG. 2, the payment device 10 includes a display operation unit 21, a bar code reader 22, a card reader 23, a display operation unit 32, a bill insertion slot 41a, a bill ejection port 42a, and a coin insertion slot 51 of the POS cash register 20. It has a coin payout outlet 55. The display operation unit 32, the bill insertion slot 41a, the bill ejection outlet 42a, the coin insertion slot 51, and the coin payment outlet 55 are provided in the change machine 30 (see FIGS. 3 to 5).

The payment device 10 is provided with a product stand 11 and a product stand 12. One of the product stand 11 and the product stand 12 is a stand on which unregistered products are placed, and the other is a stand on which registered products are placed. For example, the product stand 11 is used for placing an unregistered product, and the product stand 12 is used for placing a registered product. In this case, an illustration of a shopping basket is attached to the product stand 11, and an illustration of a shopping bag is attached to the product stand 12.

A user who is a customer of a store places the product to be purchased on the product stand 11 with the product to be purchased in the shopping cart, takes out the product, holds it on the barcode reader 22 and registers it, and registers this product on the product stand. The operation of moving to 12 will be repeated. The bar code reader 22 can acquire information such as the name and price of the product by reading the barcode attached to the product. The payment device 10 registers the product using the information acquired from the barcode.

The display operation unit 21 of the POS cash register 20 includes a liquid crystal touch panel display, can display operation guidance and display registered products, and can accept various operation inputs. The card reader 23 is used when making a payment with a payment card. Payment cards include credit cards, debit cards and prepaid cards.

The bill insertion slot 41a and the coin insertion slot 51 are used for inserting bills and coins, respectively. The bill outlet 42a and the coin payout outlet 55 are used for bills and coins, respectively. For example, after registering the product, the user confirms the price displayed on the display operation unit 21, and inserts the money to be the consideration of the product into the bill insertion slot 41a and the coin insertion slot 51. Then, if the change withdrawal process is required, the settlement device 10 withdraws the change money to the bill ejection port 42a and the coin payment outlet 55. As described above, the payment device 10 can also charge electronic money with change.

The display operation unit 32 of the change machine 30 includes a liquid crystal touch panel display, and displays the change machine 30 such as the display of the denomination amount of money stored in the change machine 30 and the display related to the detected obstacle. Accepts operations related to the change machine 30.

FIG. 3 is a functional block diagram showing the functional configuration of the payment device 10. As shown in FIG. 3, the payment device 10 has a built-in POS cash register 20 for registering goods and a change machine 30 for depositing and withdrawing money.

The POS cash register 20 has a printing unit 24, a communication unit 25, and a POS control unit 26 in addition to the display operation unit 21, the barcode reader 22, and the card reader 23 already described. The printing unit 24 is used for issuing a receipt or the like on which transaction details are printed. The transaction details printed on the receipt include the date and time, the name and price of the registered product, the amount of money inserted, and the amount of change. The communication unit 25 is a communication interface that communicates with the change machine 30 and an external server. The external server includes a server that manages sales and a management server 80.

The POS control unit 26 controls the POS cash register 20. The POS control unit 26 includes a registration unit 26a, a settlement processing unit 26b, a calculation unit 26c, a payout processing unit 26d, and an output unit 26e. The POS control unit 26 can acquire the weight measurement result from the weight sensor 27a and the weight sensor 27b provided on the product stand 11 and the product stand 12, respectively. Here, a configuration in which the weight sensor 27a is provided on the product stand 11 used for mounting the unregistered product and the weight sensor 27b is provided on the product stand 12 used for mounting the registered product will be described as an example.

The registration unit 26a registers the product to be purchased. Specifically, when the barcode reader 22 reads the barcode attached to the product and acquires information such as the product name and price, the registration unit 26a registers the product using the acquired information. The information of the registered product is displayed on the display operation unit 21.

The registration unit 26a determines whether or not the registered product is placed on the product stand 12 by using the measurement results of the weight sensor 27a and the weight sensor 27b. When the registered product is placed on the product stand 12, the next product can be registered.

The decrease in the measurement result of the weight sensor 27a that occurred before the product was registered corresponds to the weight of the product. When the measurement result of the weight sensor 27b increases by the weight of the product, it is determined that "the registered product has been placed on the product stand 12", and the next product can be registered.

When the measurement result of the weight sensor 27a is equivalent to the weight of the shopping cart and the registration unit 26a determines that the last registered product is placed on the product stand 12, the registration unit 26a ends the product registration.

When the registration unit 26a completes the registration of the product, the payment processing unit 26b calculates the payment amount by summing the prices of all the registered products and displays it on the display operation unit 21. The payment processing unit 26b completes the transaction by making a payment for the payment amount, and issues a receipt. This payment may be made by a payment card or cash.

When payment by a payment card is selected, the payment processing unit 26b acquires information such as a card ID from the payment card inserted in the card reader 23 and sends the payment together with the purchase amount to an external server to make the payment.

When cash payment is selected, the payment processing unit 26b instructs the change machine 30 to accept payment and acquires the received amount from the change machine 30. The settlement processing unit 26b causes the calculation unit 26c to calculate the change amount.

The calculation unit 26c compares the received amount with the settlement amount. As a result of the comparison, if the received amount matches the settlement amount, no change is required and the settlement processing unit 26b completes the settlement.

If the received amount exceeds the settlement amount, the calculation unit 26c calculates the difference between the received amount and the settlement amount as the change amount.

The payout processing unit 26d performs a process of paying out the change when the change amount is calculated by the calculation unit 26c. The payout processing unit 26d selects a change payout method. The change payout method includes cash payout and electronic money charge payout. The payout processing unit 26d displays the selectable change payout method on the display operation unit 21 and accepts the user's selection operation to select the change payout method.

When electronic money charge is selected as the change payout method, the payout processing unit 26d notifies the output unit 26e of the change amount. The payout processing unit 26d waits for the notification of charge completion from the management server 80. Upon receiving the notification of charge completion, the payout processing unit 26d completes the change payout process. On the other hand, when cash payout is selected as the change payout method, the payout processing unit 26d instructs the change machine 30 to withdraw the change amount. Upon receiving the notification of the completion of withdrawal from the change machine 30, the payout processing unit 26d completes the withdrawal process of change. When the change withdrawal process is completed, the settlement processing unit 26b completes the settlement.

The output unit 26e uses the change amount and the address of the own device notified to the payout processing unit 26d as information related to the charging of electronic money, and generates a two-dimensional code in which these information are encoded. The output unit 26e outputs a two-dimensional code by displaying output to the display operation unit 21 or printing output to the receipt by the printing unit 24.

The change machine 30 includes a communication unit 31, a storage unit 33, a control unit 34, a bill processing unit 40, and a coin processing unit 50, in addition to the display operation unit 32 already described. The communication unit 31 is a communication interface for communicating with the POS cash register 20.

The storage unit 33 is a storage device composed of a non-volatile memory such as a flash memory or a secondary storage medium such as a hard disk device. The storage unit 33 stores the current amount data 33a. The amount data 33a is data indicating the amount of money stored in each of the bill processing unit 40 and the coin processing unit 50.

The bill processing unit 40 is a unit that stores bills by denomination. The coin processing unit 50 is a unit for storing coins by denomination. Details of the banknote processing unit 40 and the coin processing unit 50 will be described later.

The control unit 34 controls the change machine 30. The control unit 34 has a deposit processing unit 34a and a withdrawal processing unit 34b.

The deposit processing unit 34a controls the deposit processing of money. When the POS cash register 20 instructs the deposit processing unit 34a to accept the deposit, the deposit processing unit 34a permits the bill processing unit 40 and the coin processing unit 50 to insert money.

The deposit processing unit 34a acquires the number of coins inserted into the bill processing unit 40 and the coin processing unit 50 by denomination, and calculates the total amount of the inserted coins. The deposit processing unit 34a transmits the calculated total amount to the POS cash register 20 as the received amount.

The withdrawal processing unit 34b controls the withdrawal processing of money. Specifically, when the withdrawal processing unit 34b receives a withdrawal instruction from the POS cash register 20, it determines the denomination and the number of coins to be paid out according to the instructed amount, and determines the bill processing unit 40 and coin processing. A payout instruction is output to the unit 50. The withdrawal processing unit 34b notifies the POS cash register 20 when the withdrawal of change is completed normally.

Next, the details of the banknote processing unit 40 and the coin processing unit 50 will be described. FIG. 4 is a configuration diagram showing the configuration of the banknote processing unit 40. As shown in FIG. 4, the banknote processing unit 40 includes a banknote receiving unit 41, a banknote payout unit 42, a withdrawal reject unit 43, a cassette mounting unit 44, a circular transport unit 45, and a banknote identification unit 46. It has a bill storage unit 47 for each denomination.

The bill receiving unit 41 is a processing unit that accepts the insertion of bills into the bill insertion slot 41a and delivers the bills one by one to the circular transport unit 45. The banknote payout unit 42 temporarily stores the banknotes transported one by one from the circuit transport unit 45, and when all the banknotes to be paid out are prepared, the banknotes are paid out by ejecting them from the banknote outlet 42a. ..

In this way, with respect to banknotes, since all the banknotes to be paid out are collected before the banknotes are put out, the withdrawal process of the banknotes does not occur in a partially withdrawn state.

The withdrawal reject unit 43 collects banknotes that are not suitable for withdrawal, such as the denomination cannot be identified. For example, during the withdrawal process, among the banknotes drawn out from the banknote storage unit 47, the banknotes that could not be identified by the banknote identification unit 46 due to a transport abnormality such as double feeding or skewing are transported to the withdrawal reject unit 43. Will be done. Of the banknotes taken in from the banknote receiving unit 41 during the deposit process, the banknotes that could not be identified by the banknote identification unit 46 due to stains or the like are returned to the banknote payout unit 42 as deposit rejected banknotes.

The cassette mounting unit 44 is configured so that the storage cassette 60 used for collecting sales and replenishing change can be attached and detached.

The plurality of banknote storage units 47 are set with denominations corresponding to each, and can store the banknotes of the set denomination and can pay out the stored banknotes one by one.

The circuit transport unit 45 is a connection connecting the central circuit transport path and the banknote receiving section 41, the bill payout section 42, the withdrawal reject section 43, the cassette mounting section 44, and the plurality of banknote storage sections 47 and the circuit transport path. Including the transport path. The circuit transport path is provided with a bill identification unit 46 for identifying the denomination, authenticity, positive / loss, front / back, transport state, etc. of the bill.

The circuit transport unit 45 can transport banknotes one by one by rotationally driving the circuit transport path in the clockwise direction and the counterclockwise direction in FIG. Specifically, when the banknotes are stored in the bill storage unit 47, the circuit transport path is rotationally driven clockwise in FIG. 4, and when the banknotes are fed out from the banknote storage unit 47, the circuit transport path is shown in FIG. It will be rotationally driven counterclockwise in. In addition to the rotation drive control, the circular transport unit 45 controls the banknote transport destination by switching the banknote transport path between the circuit transport path and each connected transport unit.

FIG. 5 is a configuration diagram showing the configuration of the coin processing unit 50. As shown in FIG. 5, the coin processing unit 50 includes a coin insertion slot 51, a deposit coin transport unit 52, a coin storage unit 53 for each denomination, a withdrawal coin transport unit 54, and a coin payout outlet 55. The deposit coin transport unit 52 is provided with a deposit coin identification unit 52a, and the withdrawal coin transport unit 54 is provided with a withdrawal coin identification unit 54a.

The deposit coin transport unit 52 takes in the coins inserted into the coin insertion slot 51 one by one in a one-layer, one-row state. Specifically, the deposit coin transport unit 52 is provided with a coin feeding mechanism including a feeding belt, and when a coin is detected to be inserted into the coin insertion slot 51, the coin feeding mechanism is driven to move the coin to 1. It is paid out one by one.

The deposit coin identification unit 52a identifies the denomination, authenticity, correct loss, front and back, transport state, etc. of the coin delivered to the deposit coin transport unit 52. The deposit coin transport unit 52 determines the coin transport destination based on the identification result of the deposit coin identification unit 52a. Coins that are not suitable for storage in the coin storage unit 53, such as those that cannot be identified as genuine or have stains, are rejected and the coin payout outlet 55 is the destination. If the coin is suitable for storage in the coin storage unit 53, the coin storage unit 53 corresponding to the identification result of the denomination is the transport destination.

A denomination corresponding to each of the plurality of coin storage units 53 is set, and the bills of the set denomination are stored, and the stored coins are fed out to the withdrawal coin transport unit 54 one by one. be able to.

The withdrawal coin transport unit 54 conveys the coins drawn out from the coin storage unit 53 and throws them out to the coin payout outlet 55. The withdrawal coin identification unit 54a is provided in front of the coin payment outlet 55, and identifies the denomination of the coin to be ejected to the coin payment outlet 55.

Next, the configuration of the terminal device 70 shown in FIG. 1 will be described. FIG. 6 is a functional block diagram showing the configuration of the terminal device 70 shown in FIG. The terminal device 70 includes a display operation unit 71, a speaker 72, a camera 73, a communication unit 74, a storage unit 75, and a control unit 76. For example, a smartphone is used as a terminal device 70.

The display operation unit 71 is an input / output interface for performing display output and operation input, such as a touch panel display. The speaker 72 is an output interface that outputs audio. The camera 73 is an imaging device used for imaging a two-dimensional code or the like. The communication unit 74 is a communication interface for data communication with the management server 80 or the like via a predetermined network such as the Internet.

The storage unit 75 is a storage device such as a non-volatile memory. The storage unit 75 stores various programs, management data 75a, and the like. The management data 75a includes at least information that identifies the electronic money account and the address of the management server 80. The management data 75a may include the balance of the electronic money account and the like.

The control unit 76 is a CPU (Central Processing Unit) or the like, and realizes functions such as a code reading unit 76a and an electronic money processing unit 76b by reading a predetermined program from the storage unit 75 and executing the program.

The code reading unit 76a detects the two-dimensional code from the image capture result by the camera 73 and decodes the detected two-dimensional code. When the two-dimensional code output by the payment device 10 is imaged by the camera 73, the code reading unit 76a can detect and decode the two-dimensional code and specify the information related to the charge of electronic money. The information related to the charge of electronic money includes the address of the payment device 10 as the notification destination and the change amount.

The electronic money processing unit 76b performs electronic money balance inquiry, electronic money payment, electronic money charging, and the like. When inquiring the balance of electronic money, the electronic money processing unit 76b accesses the management server 80 with reference to the management data 75a, and acquires the balance of the user's account. When making a payment using electronic money, the electronic money processing unit 76b transmits a payment request including the payment amount and the notification destination, and information for identifying the user's account managed by the own device to the management server 80. When charging the electronic money, the electronic money processing unit 76b transmits a charge request including the charge amount and the notification destination and the information for identifying the user's account managed by the own device to the management server 80.

<Explanation of processing>
A processing procedure when the payment device 10 accepts money and makes a payment will be described. FIG. 7 is a flowchart showing a processing procedure when the payment device 10 accepts money and makes a payment. First, the registration unit 26a identifies the name, price, and the like of the product to be purchased by reading the barcode of the product with the barcode reader 22 (step S101).

The payment processing unit 26b calculates the payment amount by summing the prices of all the products specified by the registration unit 26a (step S102), and instructs the change machine 30 to accept the payment. When the change machine 30 receives the payment (step S103), the calculation unit 26c compares the received amount with the settlement amount (step S104).

As a result of comparison, if the received amount matches the settlement amount (step S105; No), no change is required, and the settlement processing unit 26b completes the settlement (step S108), and the process ends.

When the received amount exceeds the settlement amount (step S105; Yes), the calculation unit 26c calculates the difference between the received amount and the settlement amount as the change amount (step S106). The payout processing unit 26d performs a change payout process (step S107), and the settlement processing unit 26b completes the settlement (step S108) to end the process.

FIG. 8 is a flowchart showing the details of the change payout process shown in FIG. 7. First, the payout processing unit 26d selects a change payout method (step S201). As a change payout method, cash payout, electronic money charge payout, and the like can be selected.

When the payout processing unit 26d selects cash payout as the change payout method (step S202; Yes), the payout processing unit 26d instructs the change machine 30 to withdraw the change amount. The change machine 30 pays out the amount of money (step S207), and the change payout process is completed (step S206).

When the payout processing unit 26d selects electronic money as the change payout method (step S202; No), the output unit 26e uses the change amount, the address of the own device, and the like as information related to the charge of electronic money, and uses these information as codes. The converted two-dimensional code is generated (step S203). The output unit 26e outputs the two-dimensional code by the display output to the display operation unit 21 or the print output to the receipt by the print unit 24 (step S204).

The payout processing unit 26d determines whether or not the notification of charge completion has been received from the management server 80 (step S205). If the charge completion notification has not been received (step S205; No), the payout processing unit 26d waits for the reception of the charge completion notification (step S205). Upon receiving the charge completion notification (step S205; Yes), the payout processing unit 26d completes the change payout process (step S206).

<Modification example>
In the above description, a configuration in which either cash or electronic money is selected as the change payout method has been illustrated, but one of the payout methods including a plurality of electronic money may be selectable. FIG. 9 is an explanatory diagram for selecting a change payout method. FIG. 9A is an example of a screen shown on the display operation unit 21. On the screen of the display operation unit 21, a message "Please select a method for receiving change", a button for selecting "cash", a button for selecting "electronic money A", and "electronic money B" are displayed. A button to select "" is displayed. "Electronic money A" and "electronic money B" are different brands of electronic money, and the user can select a desired brand of electronic money.

When the user selects "electronic money A" or "electronic money B", the two-dimensional code is displayed on the screen of the display operation unit 21 as shown in FIG. 9B. In the example shown in FIG. 9B, a two-dimensional code, a message "Please receive the change", and a message "Change 990 yen" are displayed. Therefore, when the terminal device 70 reads the two-dimensional code and charges the electronic money, 990 yen is added to the account balance of the user's electronic money.

Next, a case where the payment device 10 reads the two-dimensional code will be described. FIG. 10 is an explanatory diagram of a configuration when the payment device 10 reads a two-dimensional code. In FIG. 10, when the user performs a registration operation on the product to be purchased, the payment device 10 calculates the payment amount by totaling the prices of the registered products (S1). The payment device 10 accepts the deposit of money by the user (S2), and calculates the difference between the received amount, which is the total amount of the deposited money, and the settlement amount as the change amount (S3).

On the other hand, the terminal device 70 generates a two-dimensional code that encodes information related to the charging of electronic money (S4a). The information related to the charging of electronic money includes information for identifying the user's account managed by the own device. The terminal device 70 displays and outputs the generated two-dimensional code to the display operation unit 71 (S5a).

When the user holds the two-dimensional code displayed on the terminal device 70 over the payment device 10, the payment device 10 optically reads the two-dimensional code (S6a), decrypts the two-dimensional code, and accounts for the user. To identify. The settlement device 10 executes the electronic money charge by transmitting the charge request including the specified account and the change amount to the management server 80 (S7a).

The management server 80 is a device that manages the balance of the electronic money account. When the management server 80 receives the charge request from the payment device 10, the management server 80 adds the change amount to the balance of the account indicated in the charge request and notifies the payment device 10 which is the request source of the completion of the charge (S8). The payment device 10 completes the change payout process by receiving a notification of charge completion from the management server 80.

Next, the use of payment history will be explained. For example, if both the function to charge change and the normal charge are possible, the usage status of electronic money by the user can be analyzed in detail by aggregating the change charge and the normal charge separately. Can be done.

In addition, it is possible to predict the user's trend by distinguishing whether the payment was made in cash or electronic money, and whether the change was received in cash or electronic money. For example, a user who pays in cash and receives change with electronic money is likely to use electronic money in subsequent payments. In addition, users who pay in cash and receive change in cash are likely to continue to pay in cash.

If such a prediction is made and preferential treatment is given to users who charge change to electronic money, it is possible to guide users who are paying in cash to use electronic money. In addition, the settlement history may be aggregated and analyzed by store, region, time zone, and user attribute.

FIG. 11 is a specific example of aggregation of payment history. In the example shown in FIG. 11, the customer unit price of a user who made a payment with common electronic money is 1200 yen, the monthly store visit frequency is 8 times, the next month's store visits are 8 times, and the next month's customer unit price is 1250 yen. , The most common means of payment next month is common electronic money.

The customer unit price of users who settled with house-type electronic money is 1300 yen, the monthly store visit frequency is 10 times, the next month's store visits are 10 times, the next month's customer unit price is 1300 yen, and the most payments for the next month. The means is house-type electronic money.

The customer unit price of users who paid in cash and received change in cash is 800 yen, and the customer unit price for the next month is 900 yen. As for cash users who pay and receive change, the frequency of visits to the store and the number of visits to the store next month are unknown because the users cannot be individually identified.

The customer unit price of users who paid in cash and charged change to common electronic money is 1000 yen, the number of visits to the store next month is 8 times, the customer unit price of the next month is 1100 yen, and the most common means of payment for the next month is the common type. It is electronic money. It should be noted that the frequency of monthly visits to the store is unknown because users who paid in cash cannot identify the previous usage.

The customer unit price of users who paid in cash and charged change to house type electronic money is 900 yen, the number of visits to the store next month is 12, the customer unit price of the next month is 1450 yen, and the most means of payment for the next month is the house type. It is electronic money. It should be noted that the frequency of monthly visits to the store is unknown because users who paid in cash cannot identify the previous usage.

Analyzing the aggregated results shown in FIG. 11, "Users who paid in cash and charged change to house-type electronic money will visit the store more often from the next month onward." "The change is not received in cash and is a common type. Or, users who have charged house-type electronic money are more likely to pay other than cash in subsequent transactions. "," Users who have charged change with house-type electronic money tend to increase the average customer price from the next month onward. ] And other analysis results can be obtained.

In the first embodiment, a payment device having a built-in POS cash register 20 for registering products and a change machine 30 for depositing and withdrawing money has been described as an example. However, what is a POS cash register and a device for depositing and withdrawing money? It may be a separate body. In the second embodiment, a configuration in which the POS cash register and the device for depositing and withdrawing money are separate bodies will be described.

<Concept of payment system according to Example 2>
FIG. 12 is an explanatory diagram for explaining the concept of the payment system according to the second embodiment. The POS cash register 120 and the change machine 130 shown in FIG. 12 are installed in stores such as convenience stores and supermarkets. The POS cash register 120 for registering products and the change machine 130 for depositing and withdrawing money are communicably connected and operated by a clerk.

When the clerk operates the POS cash register 120 and performs the registration operation for the product purchased by the user, the POS cash register 120 calculates the settlement amount by totaling the prices of the registered products (S1) and changes. A payment acceptance instruction is sent to the machine 130.

The change machine 130, which has received the payment acceptance instruction from the POS cash register 120, accepts the deposit of the money given to the clerk by the user (S2) and notifies the POS cash register 120 of the received amount. The POS cash register 120 calculates the difference between the received amount and the settlement amount notified from the change machine 130 as the change amount (S3), and transmits the change withdrawal instruction to the change machine 130.

On the other hand, the terminal device 70 generates a two-dimensional code that encodes information related to the charging of electronic money (S4a). The information related to the charging of electronic money includes information for identifying the user's account managed by the terminal device 70. The terminal device 70 displays and outputs the generated two-dimensional code to the display operation unit 71 (S5a).

When the two-dimensional code displayed on the terminal device 70 is held over the code reader 140, the change machine 130 optically reads the two-dimensional code (S6a), decodes the two-dimensional code, and identifies the user's account. .. The change machine 130 executes the electronic money charge by transmitting the charge request including the specified account and the change amount to the management server 80 (S7a).

The management server 80 manages the balance of the electronic money account. When the management server 80 receives the charge request from the change machine 130, the management server 80 adds the change amount to the balance of the account indicated in the charge request and notifies the change machine 130, which is the request source, of the completion of the charge (S8). The change machine 130 completes the change payout process by receiving the charge completion notification from the management server 80, and notifies the POS cash register 120 of the completion of the change payout.

<Device configuration>
FIG. 13 is a functional block diagram showing the functional configurations of the POS cash register 120 and the change machine 130 shown in FIG. The POS cash register 120 includes a display operation unit 121 composed of a touch panel display and the like, a barcode reader 122, a card reader 123, a printing unit 124, a communication unit 125, and a POS control unit 126. The printing unit 124 is used for issuing a receipt or the like on which the transaction details are printed. The transaction details printed on the receipt include the date and time, the name and price of the registered product, the amount of money inserted, and the amount of change. The communication unit 125 is a communication interface that communicates with the change machine 130 and the like.

The POS control unit 126 controls the POS cash register 120. The POS control unit 126 has a registration unit 126a, a settlement processing unit 126b, and a calculation unit 126c.

The registration unit 126a registers the product to be purchased. Specifically, when the barcode reader 122 reads the barcode attached to the product and acquires information such as the product name and price, the registration unit 126a registers the product using the acquired information. The information of the registered product is displayed on the display operation unit 121.

When the registration unit 126a completes the registration of the product, the payment processing unit 126b calculates the payment amount by summing the prices of all the registered products and displays it on the display operation unit 121. The settlement processing unit 126b completes the transaction by making a settlement for the settlement amount, and issues a receipt. This payment may be made by a payment card or cash.

When payment by payment card is selected, the payment processing unit 126b acquires information such as a card ID from the payment card inserted in the card reader 123 and sends the payment together with the payment amount to an external server to perform payment.

When cash payment is selected, the payment processing unit 126b instructs the change machine 130 to accept payment and acquires the received amount from the change machine 130. The settlement processing unit 126b causes the calculation unit 126c to calculate the change amount.

The calculation unit 126c compares the received amount with the settlement amount. As a result of the comparison, if the received amount matches the settlement amount, no change is required, and the settlement processing unit 126b completes the settlement.

When the received amount exceeds the settlement amount, the calculation unit 126c calculates the difference between the received amount and the settlement amount as the change amount, and instructs the change machine 130 to withdraw the change amount. When the change machine 130 notifies the withdrawal completion, the settlement processing unit 126b completes the change withdrawal process. When the settlement processing unit 126b completes the change withdrawal process, the settlement is completed.

The change machine 130 has a communication unit 131, a storage unit 133, a control unit 134, a bill processing unit 40, and a coin processing unit 50, in addition to a display operation unit 132 composed of a touch panel display or the like. The communication unit 131 is a communication interface that communicates with the POS cash register 120 and the management server 80.

The storage unit 133 is a storage device composed of a non-volatile memory such as a flash memory or a secondary storage medium such as a hard disk device. The storage unit 133 stores the current amount data 33a. The amount data 33a is data indicating the amount of money stored in each of the bill processing unit 40 and the coin processing unit 50.

The control unit 134 controls the change machine 130. The control unit 134 includes a deposit processing unit 134a, a withdrawal processing unit 134b, a payout processing unit 134c, a code reading unit 134d, and an electronic money processing unit 134e.

The deposit processing unit 134a controls the deposit processing of money. When the POS cash register 120 instructs the deposit processing unit 134a to accept the deposit, the deposit processing unit 134a permits the bill processing unit 40 and the coin processing unit 50 to insert money.

The deposit processing unit 134a acquires the number of coins inserted into the bill processing unit 40 and the coin processing unit 50 by denomination, and calculates the total amount of the inserted coins. The deposit processing unit 134a transmits the calculated total amount to the POS cash register 120 as the received amount.

The withdrawal processing unit 134b controls the withdrawal processing of money. Specifically, when the withdrawal processing unit 134b receives a withdrawal instruction from the POS cash register 120, it determines the denomination and the number of coins to be paid out according to the instructed amount, and processes the bill processing unit 40 and coins. A payout instruction is output to the unit 50.

The payout processing unit 134c selects a change payout method. The change payout method includes cash payout and electronic money charge payout. As an example, if the code reading unit 134d reads the two-dimensional code between the time when the payment processing unit 134c receives the money payment acceptance instruction and the time when the payment processing unit 134a completes the receipt of the payment, the payout processing unit 134c pays out the change. Set the method to "electronic money". On the other hand, if the code reading unit 134d does not read the two-dimensional code by the time the payment is accepted, the payout processing unit 134c sets the change payout method to "cash". The clerk who received the cash from the user confirms the user's wishes regarding the change payment method before inserting the cash into the change machine 130, and if the user wishes to pay with electronic money, enter the two-dimensional code. You just have to urge the code reader 140 to hold it.

When the change withdrawal instruction is received from the POS cash register 120 and the change withdrawal method is set to "cash", the withdrawal processing unit 134c causes the withdrawal processing unit 134b to withdraw the change amount of money, and the money is changed. When the withdrawal is completed, the POS cash register 120 is notified of the withdrawal completion. On the other hand, when the change payout method is set to "electronic money", the payout processing unit 134c causes the electronic money processing unit 134e to charge the electronic money for the change amount, and when the electronic money charge is completed, the electronic money is used. Notify the POS cash register 120 of the completion of withdrawal.

When the code reader 140 captures the two-dimensional code, the code reading unit 134d optically reads the two-dimensional code and decodes the two-dimensional code to identify the user's account to which the electronic money is charged. To do.

The electronic money processing unit 134e executes the electronic money charge by transmitting a charge request including the change amount specified by the payout processing unit 134c and the account specified by the code reading unit 134d to the management server 80. In this case, the payout of change is completed when the charge completion notification is received from the management server 80.

<Explanation of processing>
The processing operation of the change machine 130 will be described. FIG. 14 is a flowchart showing a processing procedure of the change machine 130. First, the deposit processing unit 134a receives a deposit acceptance instruction from the POS cash register 120 (step S301), permits the insertion of money into the banknote processing unit 40 and the coin processing unit 50, and accepts the deposit (step S302).

The payout processing unit 134c determines whether or not the code reading unit 134d has received the two-dimensional code before the receipt of the payment by the payment processing unit 134a is completed (step S303). If the code reading unit 134d receives the two-dimensional code before the receipt of payment by the deposit processing unit 134a is completed (step S303; Yes), the code reading unit 134d decodes the two-dimensional code and charges the electronic money. The destination user's account is specified (step S304), and the payout processing unit 134c sets the change payout method to "electronic money" (step S305). On the other hand, if the code reading unit 134d does not read the two-dimensional code by the time the payment is accepted (step S303; No), the payout processing unit 134c sets the change payout method to "cash" (step S306). ).

After step S305 or step S306, the deposit processing unit 134a acquires the number of coins inserted into the bill processing unit 40 and the coin processing unit 50 by denomination, and uses the total amount of the inserted coins as the received amount at the POS cash register. It is transmitted to 120 (step S307).

The payout processing unit 134c determines whether or not the change payout instruction has been received from the POS cash register 120 (step S308), and if the change payout instruction has not been received (step S308; No), the process ends as it is.

When the change payout instruction is received (step S308; Yes) and the change payout method is set to "electronic money" (step S309; Yes), the electronic money processing unit 134e is designated by the payout processing unit 134c. A charge request including the changed amount and the account specified by the code reading unit 134d is transmitted to the management server 80 (step S310). After that, the charge completion notification is received from the management server 80 (step S311), the withdrawal processing unit 134c notifies the POS cash register 120 of the completion of withdrawal with electronic money (step S312), and the process ends.

When the change withdrawal instruction is received (step S308; Yes) and the change withdrawal method is set to "cash" (step S309; No), the withdrawal processing unit 134c sends the change amount to the withdrawal processing unit 134b. Withdrawal of money (step S313). When the withdrawal of money is completed, the withdrawal processing unit 134c notifies the POS cash register 120 of the completion of withdrawal (step S314), and the processing is completed.

In this way, the change machine 130 notifies the POS cash register 120 so that the completion of withdrawal by paying out money and the completion of withdrawal by charging electronic money can be distinguished. Therefore, the POS cash register 120 can use the notified change withdrawal method for managing transaction history, printing receipts, and the like. Further, when the POS cash register 120 manages the amount of money in the change machine 130, it is possible to determine whether or not the amount of money needs to be changed by the method of withdrawing the change.

Note that FIG. 14 illustrates a case where the change withdrawal method is set depending on whether or not the two-dimensional code is accepted from the reception of the payment acceptance instruction to the completion of the payment, but the change withdrawal method can be set under arbitrary conditions. Can be done. For example, even if the two-dimensional code is received before the payment acceptance instruction is received, the change withdrawal method can be set to "electronic money". In addition, it may be possible to accept an operation for designating change withdrawal in cash.

FIG. 15 is an explanatory diagram regarding the use of charged electronic money. The user can set a condition for the balance of electronic money and a process to be executed when the condition is satisfied. As a result, for example, when the balance reaches a predetermined amount by charging change, it is possible to receive a service using electronic money, such as purchasing a specified product.

Specifically, as shown in FIG. 15, the user operates the terminal device 70 to connect to the management server 80, and sets the conditions for the balance and the contents of the processing to be executed (S11). After that, when the change is charged (S12) and the balance of the electronic money satisfies the condition, the management server 80 notifies the terminal device 70 that the condition is satisfied and that the set process is executed. Then, the service providing device 150 corresponding to the process is requested to execute the process (S14). As a result, the service providing device 150 executes the processing of the contents preset by the user (S15).

The content of the process to be executed can be set arbitrarily. For example, it may be a process of converting the balance of electronic money into points of another point service to be used, or a process of transferring it to another set account. It may be a process of depositing the balance of electronic money into the user's own bank account or the like. The balance of electronic money may be used for investment such as investment trusts and savings periods, and purchase of gift certificates (gift certificates, travel tickets, regional promotion tickets, etc.).

Further, the execution of the process may be performed automatically, or the user may be notified to select whether or not to execute the process.

<Modification example>
FIG. 16 is an explanatory diagram of a configuration in which the POS cash register notifies the payment device of the payment amount. In the configuration shown in FIG. 16, when the POS cash register 220 accepts the registration of the product to be purchased and calculates the settlement amount (S1), the POS cash register 220 notifies the settlement device 210 of the calculated settlement amount (S1a).

Upon receiving the notification of the settlement amount from the POS cash register 220, the settlement device 210 accepts the deposit of money (S2) and calculates the difference between the acceptance amount and the settlement amount, which is the total amount of the deposited money, as the change amount (S2). S3).

The settlement device 210 can select whether to pay out the money for the change amount or to give it as electronic money for the change amount. When the change is given as electronic money, the payment device 210 generates a two-dimensional code in which the information related to the charge of the electronic money is encoded (S4). The information related to the charge of electronic money includes the amount of change and the notification destination. This notification destination specifies where to notify the completion of charging of electronic money. The address of the payment device 210 or the like is used as the notification destination.

The payment device 210 outputs the generated two-dimensional code (S5). This output may be performed by display output to the display unit, print output to the receipt, or the like.

The user's terminal device 70 optically reads the two-dimensional code output to the payment device 210 (S6), decodes the two-dimensional code, and specifies the change amount and the notification destination. The terminal device 70 executes electronic money charging by transmitting a charge request including the specified change amount and notification destination and information for identifying the user's account managed by the own device to the management server 80 ( S7).

The management server 80 manages the balance of the electronic money account. When the management server 80 receives the charge request from the terminal device 70, the management server 80 adds the change amount to the balance of the account indicated in the charge request and notifies the payment device 210 designated as the notification destination of the completion of the charge (S8). .. The payment device 210 completes the change payout process by receiving a notification of charge completion from the management server 80.

As described above, according to the first and second embodiments, it is the amount of money received by the payment device in the payment system having the payment device that receives the money from the user and makes the payment for the payment amount. When the received amount exceeds the settlement amount, the difference between the received amount and the settlement amount is calculated as the change amount, and the information related to the addition of electronic value corresponding to the change amount is output, and based on the output information. Electronic value can be given to users. Therefore, when money is accepted and settled, the processing related to change can be made more efficient.

According to the above embodiment, an image in which information related to the addition of electronic value is encoded is output by display and / or printing, and the image is optically read to specify the information related to the addition of electronic value. Can be done.

According to the above embodiment, the payment device outputs information including the change amount, and the user's terminal device adds the electronic value of the change amount to the balance of the user's predetermined electronic value. it can. In this case, the payment device ends the change payout process when it receives a notification indicating that the electronic value addition process by the terminal device is completed.

Regarding the addition process, the terminal device of the user may output information including the addition destination of the electronic value, and the settlement device may add the electronic value of the change amount to the addition destination.

Withdrawal of change amount can be selected from multiple withdrawal methods including cash withdrawal and withdrawal by adding electronic value.

Although the explanation is omitted in the above embodiment, it is also possible to give a part of the change amount to the user as an electronic value and pay out the rest of the change amount in money. For example, banknotes may be paid out in cash, and the amount that cannot be paid out in banknotes may be given as an electronic value. Further, for example, the user may be able to set conditions such as giving less than 100 yen as an electronic value and paying out 100 yen or more in cash.

According to the above embodiment, the POS cash register, which is a device for determining the payment amount, is made to calculate the change amount, and either the output of information related to the addition of electronic value or the addition of electronic value is performed. It can be configured to do this.

According to the above embodiment, the POS cash register, which is a device for determining the payment amount, notifies the payment device of the payment amount, the payment device calculates the change amount, and is related to the addition of electronic value. It can be configured to either output information or add electronic value.

According to the above embodiment, it is possible to set a condition for the balance of the electronic value and a process using the electronic value to be executed when the condition is satisfied.

Although the explanation is omitted in the above-described embodiment, preferential treatment and benefits may be given when payout by giving electronic value is selected. Specifically, a coupon may be issued when the change is charged to electronic money. As the coupon, the coupon of the store where the charged electronic money can be used may be automatically selected. Further, a plurality of coupons may be displayed in order based on a priority order or a discount rate specified in advance by the user, and the user may select the coupon. In addition, a coupon may be selected based on the user's usage record of electronic money, user's attributes, action range, and the like.

The details of the settlement by the user, specifically, the transaction result printed on the receipt may be used as data and can be sold to the seller who requests this information. For example, when the user operates the "sell receipt" button before payment, the payment amount is discounted and the transaction details are transmitted to a predetermined server. At this time, in addition to the transaction results printed on the receipt such as the details of the purchased product, the time of day, and the store, the user data such as the age, gender, range of action, and purchase history of the user may be further sold.

At this time, it is also possible to generate a two-dimensional code including transaction results and user information. In this case, transaction results and user information can be easily managed in association with payment. In addition, the settlement amount may be discounted on the condition that the transaction result and the user information are included in this way.

In the above-described embodiment, the case of purchasing a product has been described as an example, but the present invention can be applied to any payment such as provision of a service. Further, the receipt is not limited to the mode used for printing the transaction result and the two-dimensional code, and can also be used for printing the payment target. Specifically, the receipt can be used for printing the content itself such as an illustration, printing a two-dimensional code that functions as the content by encoding, issuing a ticket, and the like.

In the above-described embodiment, the explanation has been given using a two-dimensional code as an example, but it may be configured to output information related to the addition of electronic value using short-range wireless communication.

In the above embodiment, electronic money was illustrated as the electronic value, but the electronic value is not limited to the electronic money. For example, when using virtual currency as an electronic value, the amount of change may be credited to the user's virtual currency account. It may also be a digital currency directly connected to a bank account.

In the above-described embodiment, the payment device for self-checkout has been mainly described, but the present invention can be applied to any payment device such as a manned checkout where a clerk performs from registration operation to deposit / withdrawal, and a semi-self-checkout. it can. Further, in the above-described embodiment, an example of a device for settling the price of a product in a supermarket or the like has been described, but it can be applied to a device for arbitrary settlement such as a ticket vending machine or a vending machine at a station. is there.

In the above-described embodiment, the case where the payment device 10 or the terminal device 70 generates the two-dimensional code is illustrated, but the payment device 10 or the terminal device 70 requests an external device to generate the two-dimensional code and externally. It may be configured to acquire and output the two-dimensional code generated by the device of. As the external device, for example, a server that manages the payment of electronic money can be used.

In the above-described embodiment, the configuration in which the change payout method is selected according to the user's designation has been mainly described, but the change payout method may be automatically selected. Specifically, the payment system may select a change payment method specified in advance by the user, or may select an account according to the balance and frequency of use when there are multiple electronic money accounts. .. It is also possible for the payment system to display the accounts in order according to the balance, frequency of use, etc., and assist the user in designating.

Each configuration shown in the above embodiment is a schematic function, and does not necessarily have to be physically shown. That is, the form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of the device is functionally or physically distributed / integrated in an arbitrary unit according to various loads and usage conditions. Can be configured.

The payment system, payment device, and payment processing method of the present invention are useful for streamlining the processing related to change when receiving money and making a payment.

10,210 Payment device 11,12 Product stand 20,120,220 POS register 21,32,71,121,132 Display operation unit 22,122 Bar code reader 23,123 Card reader 24,124 Printing unit 25,31,74 , 125, 131 Communication unit 26, 126 POS control unit 26a, 126a Registration unit 26b, 126b Payment processing unit 26c, 126c Calculation unit 26d, 134c Payout processing unit 26e Output unit 27a, 27b Weight sensor 30, 130 Change machine 33, 75 , 133 Storage unit 33a Revenue data 34, 76, 134 Control unit 34a, 134a Deposit processing unit 34b, 134b Withdrawal processing unit 40 Banknote processing unit 41 Banknote processing unit 41 Banknote receiving unit 41a Banknote slot 42 Banknote payout unit 42a Gold reject unit 44 Cassette mounting unit 45 Circular transport unit 46 Banknote identification unit 47 Banknote storage unit 50 Coin processing unit 51 Coin slot 52 Deposit coin transport unit 52a Deposit coin identification unit 53 Coin storage unit 54 Withdrawal coin transport unit 54a Withdrawal Coin identification unit 55 Coin payout exit 60 Storage cassette 70 Terminal device 72 Speaker 73 Camera 75a Management data 76a, 134d Code reader 76b, 134e Electronic money processing unit 80 Management server 140 Code reader 150 Service provider

Claims (12)

A payment system that has a payment device that accepts money from users and makes payments for the payment amount.
When the received amount, which is the amount of money received by the payment device, exceeds the payment amount, a calculation means for calculating the difference between the received amount and the payment amount as a change amount, and
An output means for outputting information related to the addition of electronic value corresponding to the change amount, and
A payment system including a granting means for imparting the electronic value to the user based on the information output by the output means. The output means outputs an image in which information relating to the addition of electronic value is encoded by displaying and / or printing.
The payment system according to claim 1, wherein the granting means optically reads the image to specify information related to the gifting of electronic value. The output means is provided in the payment device and outputs information including the change amount.
Claim 1 or 2 is characterized in that the granting means is provided in the terminal device of the user and adds the electronic value of the change amount to the balance of the predetermined electronic value of the user. Payment system described in. A claim provided in the payment device, further comprising a payout processing means for terminating the change payout process when receiving a notification indicating that the electronic value addition process by the terminal device is completed. The payment system according to item 3. The output means is provided in the terminal device of the user and outputs information including the addition destination of the electronic value.
The payment system according to claim 1 or 2, wherein the granting means is provided in the payment device and adds electronic value for the change amount to the addition destination. When the output means selects the payment by the electronic value from among a plurality of payment methods including the cash payment and the payment by the electronic value for the payment of the change amount. The payment system according to any one of claims 1 to 5, wherein information relating to the addition of electronic value corresponding to the change amount is output. Further having a determination device for determining the settlement amount,
The payment system according to any one of claims 1 to 6, wherein the determination device includes the calculation means and either the output means or the granting means. Further having a determination device for determining the settlement amount,
The payment system according to any one of claims 1 to 6, wherein the payment device includes the calculation means and either the output means or the granting means. Any of claims 1 to 8, further comprising a setting means for setting a condition for the balance of the electronic value and a process using the electronic value to be executed when the condition is satisfied. The payment system described in one. The output means and the granting means grant a part of the change amount to the user as the electronic value.
The payment system according to any one of claims 1 to 9, wherein the payment device pays out the rest of the change amount in money. A payment device that accepts money from users and makes payments for the payment amount.
When the received amount, which is the amount of money received, exceeds the settlement amount, a calculation means for calculating the difference between the received amount and the settlement amount as a change amount, and
An output means for outputting information related to the addition of electronic value corresponding to the change amount, and
A payment device provided with a payout processing means for terminating the change payout process when a notification indicating that the electronic value addition process has been completed by the user's terminal device is received. It is a payment processing method that accepts money from users and makes payments for the payment amount.
When the amount of money received by the payment device exceeds the amount of money received, the calculation step of calculating the difference between the amount of money received and the amount of payment as a change amount, and
An output step that outputs information related to the addition of electronic value corresponding to the change amount, and
A payment processing method including a granting step of imparting the electronic value to the user based on the information output by the output step.

Images